Happy Thanksgiving!


President's Message

By Doug Leever

President, MBA of Florida

Happy Holidays as we head into the Season and end of the year for 2022!

Mortgage Lenders and our customers have seen some dramatic changes over the past 4-5 years with interest rates (increases and decreases), record increases in home property values, massive loan production during the COVID 19 pandemic, and various other external factors that influence our Mortgage Industry!!!  As we each stabilize our work environments as we head into the end of 2022, we want to continue to grow in our support of our industry. Change is coming and seems to be on-going each year in the Mortgage World—as we all know---- the only thing constant with the Mortgage Industry is.....Change!  

The MBA both at the state and national level have continued to be very instrumental in supporting and developing within the Mortgage industry through our Networking opportunities, educational events and through Advocacy, locally and at the national level. All very critical to be successful in this Industry-you can always learn-and now more than ever is very important!!!

We are finalizing events for 2023 and am very excited to say we will have our First Loan Officer Summit for Florida in February to help support our loan originators in ‘what they need to do or improve on to be successful in 2023. We want them to leave this event with some best practices, new ideas, and ways that you can be more successful in today’s mortgage environment!

We are also in the planning stages for our 19th Annual Secondary Market Conference and 69th Annual Convention in June! The last two years events have been exceptional, and we fully expect to have another outstanding MBA event this upcoming year!!

Great success over the years here with the MBA through...

Networking—both at the State and Local Chapter levels—excellent opportunities to meet other mortgage professionals within the State of Florida! Learning about new technology, what are best practices with others in the Mortgage Industry, what works and does not work, how can we do better as business partners, lenders, servicers, etc.

Education—We held a webinar in September and looking forward to our in-person event in February! Our Education Committee co-chairs are Beth Larson and Dustin Owen. We thank them for moving us forward with great ideas.

Membership—There is good progress this year on developing our membership for the State of Florida—our co-chairs are Robert Villalon and Sandy Garcia, who we thank for keeping up the solid base of this association, our members!

Advocacy—our Legislative Representative, Eric Prutsman continues to bring his ‘A- game’ in Tallahassee and has been representing the MBA for 23 years. We look forward to hearing further updates and initiatives that affect our Mortgage Industry and what we as members of the MBA of Florida can do to support and continue to make our voices heard. Contributing to the Florida Political Action Committee continues to develop and help support our concerns and interests in the sessions in Tallahassee. Our MPAC representative is Deborah Moore. She stresses to keep the donations coming! Click Here to learn more about MPAC and to donate.

Yvette Clermont was able to attend the National Convention recently and provided some great take-a-ways from the event, written directly below. She did an awesome job representing herself and the MBA of Florida. We thank you Yvette for bringing us your experience.

And special thanks to our volunteer leadership that serve on our various committees, Executive Board and Board of Directors—both locally and at the state level. We would not be able to move forward without your efforts and time with your "second job" in the MBAF.

Please have a safe Holiday Season with friends and family!

MBA Annual Convention Nashville, Tennessee

by Yvette Clermont, CMB, MBAF President-Elect

I had the opportunity and pleasure to attend the MBA National Annual Convention this year. It was such an educational experience with plenty of networking chances to see other industry professionals.

I attended the mPower event on Saturday and enjoyed incredible speakers and it was an uplifting day. I highly recommend for anyone to attend and would be a great idea to bring a team as topics were really centered around teamwork. Speakers included soccer star Abby Wambach, Dethra Giles, and Kristy Fercho. mPower also brought Rita Morena on Tuesday, who shared stories of her life with humor and much joy. All were incredibly inspiring. 

On Sunday I attended the CMB meeting and luncheon, where Florida was given a shout out for the work Tim Allen put into adding the CMB's to our state website, and the number of CMBs we have in our state vs others. 

Matt Rocco, Chairman of the Board and CEO of Grandbridge Real Estate Capital, Charlotte, N.C., was sworn in Sunday as Chairman of the Mortgage Bankers Association, Mark Jones, CEO and Co-Founder of Amerifirst Home Mortgage, Kalamazoo, Mich.; and Laura Escobar, President of Lennar Mortgage, Miami, were also sworn in today as Chairman-Elect and Vice Chair, respectively. 

Market Outlook. The consensus is we’ll see rates into the higher 7’s and then likely down into the mid 5’s by later 2023. Companies still have 25-30% of staffing cuts to make. Recession coming; much less dramatic as the last, but nonetheless. Unemployment should rise to 5.9% by end of next year. Lower delinquencies will continue. Recommendations to members to review IT and technology to be certain using to fullest.

Political Landscape – Speaker Paul Ryan spoke of political landscape and its impact on housing. “A Republican-controlled Congress and a Democratic executive branch means nothing good or bad will happen over the next two years from a fiscal standpoint,” he said. “What this means for inflation is that it will put additional pressure on the Federal Reserve to finish the job. The sooner that happens, the better it will be.” Ryan said he does not expect Donald Trump to be the Republican nominee for President in 2024. 

Bob Broeksmit Encourages Industry to Take 'Long View' during these challenging times. Commissioner Julia Gordon of HUD stated it will be some time before we see a reduction the FHA MIP, as these things are normally an 18-month process. Sandra Thompson of FHFA - HFA announced targeted changes to Fannie Mae and Freddie Mac’s guarantee fee pricing by eliminating upfront fees for certain borrowers and affordable mortgage products, while implementing targeted increases to the upfront fees for most cash-out refinance loans. Alanna McCargo Ginnie -Ginnie Mae announced it is shortening the re-pooling seasoning requirement for re-performing loans from six months to three months and allowing issuers the option to pool re-performing loans into TBA eligible Ginnie Mae II Multi-Issuer Pools.

David Benson Fannie – Touched on expanding education and assistance with down payments to boost minority lending. Brought up looking forward to using bank statement data other pieces of financial data we’ve gathered to be able to qualify people who previously would not have been able to qualify for GSE loans.”  Coach K Krzyzewski spoke as well. He is a motivating speaker and gave excellent insight to overcoming difficult times. Not winning can be a teaching tool to show you where you need to improve. Other break-out sessions included DEI initiatives, non-qm, Opens Doors, MAA and Morpac as well as RON.

For anyone ever interested to attend this event I highly recommend it. 

2022/2023 Board of Directors

Thank YOU for ALL you do for the MBAF!


Doug Leever

We Florida Financial


Yvette Clermont, CMB, AMP

Inlanta Mortgage


Sherry Wenrich

Homebridge Financial Services, Inc.


Robert Villalon

National MI

2nd VICE PRESIDENT & Local Chapter REP

Timothy Bazell

South State Bank


Michelle Knoebel, CMB



(To View Online-Click Here)

Brian Chibbaro


Tim Allen, CMB

First Horizon

Dustin Owen, CMB

Waterstone Mortgage Corp.

Bob Niemi, CMB

Bradley Arant Boult Cummings LLP

Christie Buff, AMP


Dylan Rodriguez

Black Knight

Sandy Garcia

Paramount Residential Mortgage Group

Debbie Moore, CMB

Capital Markets Cooperative

Local Chapter Presidents

(To View Online-Click Here)



Michelle Mendez




Nicole Zich




Tom Reber




Robert Villalon



Mary Adams



Amanda Russell




Robert H.D Genders



June 20-21

Back-to-Back with

2023 Annual Convention

June 21-22

It's Confirmed! Mark Your Calendars!


Click for the Rosen Plaza Hotel Website

The Rosen Plaza Hotel is located in the heart of everything on International Drive across from the very popular Pointe Orlando-Click for Information!

AMAZING ROOM RATE $169 Single/Double (NO resort fee)!

The hotel is beautiful, very well-maintained public areas and sleeping rooms!

Easy to drive, only about 14 miles from the Orlando International Airport!

View the 2022 Event Photo Album on

Facebook-Click Here

CE Education and MORE!

Your MLO Continuing Ed Deadline is Coming! Use MLOCE30 for 30% OFF CE Courses! Or Use MORTGAGE25 for 25% Off Any Course.

Visit our Website

Click Here to View Committees and Sign Up All Committees are gearing up for the year. It pays to participate and be involved in the decisions and activities of your association!

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Click Here to Access the Future Leaders Information and Application

MBAF’s Future Leaders Program is dedicated to identifying and cultivating the next generation of industry leaders by delivering a comprehensive leadership training experience for selected participants through four events offered throughout the year.

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Click Here for Information on the Mortgage Action Alliance

Through the Mortgage Action Alliance (MAA), we give all real estate professionals a platform and a voice. It's time to use it to help shape policies and be part of building the next era of real estate finance. Signing up is free and quick!.

Thank You Members!

Have You Renewed?

Membership Renewals are due on July 1st. If you are not on the list below we have not received your payment yet. You can log in to renew online Click Here or email mbaf@mbaf.org for a hard copy of your invoice.


FEBRUARY 8, 2023

Citrus Club, Orlando, Florida

9 AM - 3 PM


Speakers and topics will help you develop your origination skills and help you grow your pipelines in the 2023 environment.


Registration and speaker details coming soon!

 (Sponsorships available. Email mbaf@mbaf.org for information)