Regional Conference Newsletter 2020
January 15, 2020
A Unique Regulatory Panel
Regulatory Panels often focus on topics that have already been addressed in depth prior to the conference. This year, our Regulatory Panel will address those issues of particular concern during the Conference, including those that have just come to the industry’s attention! Only speakers like those on our panel have the expertise as well as relationships with key players in both government and the private sector that enable them to speak to emerging issues in a meaningful way on short notice. And they will also address any questions from those in attendance.

Join us for this very special panel and hear from those who have the expertise that are consistently sought after by the industry for advice and guidance. And take away meaningful information on current matters important to your company. 

Speakers
Ken Markison, Esq.
Of Counsel
Weiner Brodsky Kider PC
Ken Markison joined Weiner Brodsky Kider PC last year as Of Counsel following decades as a leader in the housing and financial services legal community. Before coming to the firm, Ken’s career in industry and government included service as Vice President and Regulatory Counsel of the Mortgage Bankers Association, Assistant General Counsel for GSEs and RESPA at the U.S. Department of Housing and Urban Development and HUD liaison to the Oversight Board for the Resolution Trust Corporation.

At WBK, Ken advises lender and vendor companies, trade associations and other organizations that draw on his deep experience and expertise regarding the Dodd-Frank Wall Street Reform and Consumer Protection Act, Real Estate Settlement Procedures Act, Truth in Lending Act, Fair Housing Act, Home Mortgage Disclosure Act and virtually every other law regulating the primary and secondary mortgage market.

Ken is a prominent voice with legislators and regulators at all levels of government on financial regulatory issues. He graduated George Washington University Law with honors, is a member of the Maryland and DC Bars, a fellow of the American College of Consumer Financial Services Lawyers, and a frequent speaker at conferences across the country.
John V. Konyk
Executive Director of
Government Affairs
Weiner Brodsky Kider PC
Mr. Konyk is Executive Director of Government Affairs at Washington DC-based Weiner Brodsky Kider PC, one of the nation's leading law firms practicing in the financial services area.

Jack has over four decades of financial services experience, having held a wide array of front-line and back-office positions in consumer banking and lending disciplines with a concentration in all aspects of mortgage finance. Prior to joining Weiner Brodsky Kider, he spent 14 years at National City Bank, now merged into PNC, where he held a variety of senior level managerial positions in regulatory compliance, enterprise risk management, and public and government affairs management, for a number of National City’s consumer lending entities, most prominently National City Mortgage. His prior experience included similar positions at other prominent financial institutions, including the likes of Integra Bank and Mellon Bank.

Jack is an active participant in industry trade associations as well, a frequent speaker at conferences and seminars across the country, and a prominent voice for the industry with legislators and regulators at all levels of government. He is a past member of the Mortgage Bankers Association’s Board of Directors, is past Chair of its State and Local Legislative and Regulatory committee, past Regulatory Compliance Vice-Chair of its Legal Issues, Quality Assurance and Regulatory Compliance committee, a past member of its Residential Board of Governors, and remains an active member of a number of MBA committees. Jack is also Past Chairman of the Industry Advisory Council of the American Association of Residential Mortgage Regulators, and has had significant involvement with the Financial Services Roundtable’s Housing Policy Council and the American Bankers Association’s Mortgage Markets committee.  
Exhibitors as of January 14, 2020

ACS, LLP leads the industry in understanding the complex tax, audit and compliance issues unique to mortgage bankers. Our mission is to stay on the cutting edge of the planning and compliance issues that directly affect the mortgage banking community. Our professionals receive specialized training and deliver specialized services to your company. Please contact Santo Chiarelli, CPA at sc@acsaccounting.com

From One-Time Close and Manufactured Housing programs, to FHA Down Payment Assistance and Renovation products including FHA 203k and VA Renovation, AFR Wholesale is dedicated to helping clients bring families home. In addition to offering unique lending products, AFR fully invests in the success of its business partners by providing industry-leading technology, professional expertise and continuous opportunities for education.

Over 25+ years experience representing private lenders. Established in 1994, the firm has represented private lenders, investors, developers and small to mid-size growing businesses in all aspects of real estate transactions and related corporate matters. The firm’s attorneys and team have extensive experience with a wide range of private and commercial loans, from fix and flip loans to multi-million-dollar construction loans, bridge, and mezzanine financing.

Angel Oak Mortgage Solutions is the leader in the non-QM mortgage space. We offer alternative specialized mortgage solutions for brokers and correspondents throughout the country helping borrowers who don't fit conventional guidelines. We are pioneering a fresh approach to today's mortgage lending challenges helping partners to grow their business. 

The Bancorp is a commercial lender specializing 7(a) and 504 lending through the Small Business Administration. Loan amounts range from $100,000 to $10 million. We offer very competitive rates in both, fixed or variable programs. Commercial real estate and business acquisition loans require a small down payment of only 10%, with terms from 10 to 25 years.

We can talk about everything from Government to Conventional, to flexible home loan solutions for the underserved & Non-QM markets.

Cenlar FSB is the nation's leading loan servicing provider, delivering solutions to our client partners that are unmatched in quality, flexibility and innovation. For more information, call 1-888-subserve (782-7378)

Cherrywood Mortgage is a non-bank direct lender offering commercial real estate financing from $200,000 to $5,000,000 nationwide. At Cherrywood Mortgage we see value in every property, every business, every borrower, and we offer more flexibility than traditional lending sources without charging the high rates a hard money lender would charge.

At Coastal States Bank, we know finding the right mortgage warehouse lender to partner with is a key to your success and we are confident we have the solution you have been looking for. Whether you are looking for increased capacity or establishing your very first warehouse line, we can help! Our mortgage warehouse offering features lower funding fees, competitive cost of funds and the excellent customer service you expect from a Warehouse Lending team.

Commercial Mortgage Depot is a nationwide commercial real estate financing firm in New Jersey and New York that sets the highest standards in the industry and make our client’s needs our top priority! We offer wholesale first mortgage commercial loans as a direct lender. We also have the flexibility to tailor the right loan product for the borrower, as a correspondent or agent, through our investor network.

CSC® provides electronic recording (eRecording) that allows document submitters to quickly and securely record documents anywhere across the United States. Our solution reduces risk, document rejection, and processing time across a document’s life cycle. CSC was the first to provide eRecording, and we embody that same entrepreneurial spirit today—continually innovating by anticipating client needs, and setting the bar industry-wide for speed, efficiency, security, cost savings, and service.

erecording.com
Deephaven purchases and originates non-agency residential mortgage loans in partnership with originators nationwide. Our mission is to provide private capital market liquidity for responsible, new, alternative products made to borrowers who are unable to obtain traditional financing - Deephaven partners with originators who share the vision for rebuilding the non-government mortgage market. 

Ellie Mae is the leading cloud-based platform provider for the mortgage finance industry. Ellie Mae's technology solutions enable lenders to originate more loans, reduce origination costs, and shorten the time to close, all while ensuring the highest levels of compliance, quality and efficiency. Visit ‪EllieMae.com or call ‪(877) 355-4362 to learn more.

www.emigrant.com
Factual Data is a trusted provider of credit, risk mitigation, flood and verification services to the mortgage lending industry. Leveraging innovative technology and deep industry experience, Factual Data simplifies the mortgage lending process for its customers and their borrowers. For information, please visit www.factualdata.com .  

EVO-Commercial™ (EVO-C™), Global DMS' next generation appraisal technology for today's commercial real estate industry, is a completely configurable platform that requires no development intervention. EVO-C maximizes staff efficiency and reduces costs by simplifying competitive bidding through workflow automation, data collection, dashboards, and production metrics.

Jet Direct is a direct lender based in Long Island, NY and home to some of the finest professionals in the mortgage industry. With meticulous, precise underwriters; fast efficient processing & seasoned, knowledgeable sales team - Jet Direct is one of the fastest mortgage lenders in the nation.

Kwik Mortgage is a New-Jersey based lender with over two decades of experience. We offer our clients and partners enthusiastic service, a seamless digital experience, and a wide range of loan programs, including: Conventional, Jumbo, FHA, VA, and Non-Conventional.

Luxury Mortgage has been in business for more than 20 years. We offer a comprehensive menu of Non-QM and Jumbo programs to mortgage brokers and bankers. Our wide selection of products will help you to attract more borrowers, grow your business, and close more loans quickly and profitably!

At MCM Capital Solutions we have a passion for real estate and providing the best financing solutions for real estate investors across the country as they pursue their real estate investing goals. 

Mortgage News Network (MNN) produces industry-focused video programming with industry experts sharing insights that impact your business today and in the future. MNN is also the publisher of National Mortgage Professional Magazine , a monthly publication providing the most up-to-date news, insight and advice for today's mortgage professional.

Nationwide Property & Appraisal Services, LLC is an award winning full service Appraisal Management Company, licensed, bonded and insured to conduct business nationwide. Servicing many of the industry leaders in retail and wholesale lending. Using state of the art technology along with a knowledgeable staff, Nationwide is equipped to provide the best possible service custom tailored to meet each client’s specific needs. We are your One Stop solution for all your real estate appraisal needs.  

NewRez is a national mortgage lender whose financial strength allows us to develop and deliver innovative products that set us apart from other lenders, supported by a loan process that blends both the knowledge of our people and the benefits of technology into an unparalleled customer experience.

Priority Search Services, LLC provides loan tracking services and municipal tax, utility, assessment and flood searches. Through our PriorityTrac service, you can protect your loan portfolio by identifying delinquent municipal charges prior to a lien sale. For your convenience, these reports are available in a fully customizable spreadsheet format. Our dedicated staff takes pride in providing timely, accurate reports

QuestSoft is an established provider of comprehensive an automated compliance software, geocoding and verification services to the financial industry period the company's products enable more than 2,700 banks, credit unions and mortgage companies to simplify the collection , analysis , compilation, and reporting of key lending regulatory report data , including TRID, QM , ATR , H MDA, CRA, geocoding N4506T compliance period stop by their booth to see their newest offering. Fair Lending Relief.

Quicken Loans Mortgage Services partners with local brokers, community banks & credit unions offering competitive, personal mortgage solutions. NMLS #3030

RCN Capital is a national, direct, private lender. Established in 2010, we provide commercial loans for the purchase or refinance of non-owner occupied residential and commercial properties. We specialize in short-term fix & flip financing as well as long-term rental financing for real estate investors. We lend to experienced real estate professionals, investors and contractors throughout the country. We value referrals; brokers are protected. For more information on our company or our loan programs, visit our website at www.RCNCapital.com.

A commitment to excellence and superior experience for mortgage brokers and bankers are the pillars REMN Wholesale was built upon. Its industry leading, same-day turn times on new files, and bicoastal management teams have helped REMN to become one of the most trusted wholesale lenders in the country. Through its unmatched customer service and one of the most diverse ranges of mortgage products available, REMN Wholesale has proven itself to be one of the few wholesale lenders mortgage brokers and bankers can truly depend on.

REMN offers a full range of government and conventional loans, as well as renovation products, supported by regular training opportunities, an award winning closing department and a dedicated internal helpdesk.

Scotsman Guide helps mortgage professionals grow their financing networks and stay informed about market news, trends and topics. Our online search engines help originators and lenders connect easily and efficiently so they can close more loans.

SERVICE 1st has been a trusted leader with lenders nationwide since 1926, laying out the foundation for credit reporting. The company is continually building on the need for quality service and cost-effective solutions that our lenders demand in today’s competitive mortgage climate.

Sharestates is a pioneer in real estate marketplace lending. We offer borrowers and brokers fast access to capital at a competitive rate, and offer individual and institutional investors direct access to these rigorously vetted debt offerings through our online marketplace. For more information please visit www.sharestates.com

Sharestates is a real estate investment marketplace that allows individual and institutional investors to participate in rigorously vetted debt offerings. Sharestates has combined proprietary technology with a proven track record of business development expertise to become the fastest growing real estate crowdfunding marketplace.

Stratton Equities is the leading hard money & Non QM direct lender to national real estate investors.

Universal Credit Services, a top national CRA and Fannie Mae Day 1 Certainty Authorized Supplier. We provide merged credit reports, Verification of Employment Reports, VOD's, 4506T's, Marketing, Flood, Fraud, Appraisal Management Services and portfolio monitoring solutions. UCS provides premier customer service and products to meet the entire loan life cycle.

As the nation’s #1 wholesale lender, United Wholesale Mortgage understands how critical a full product mix and innovative technology are in helping originators develop relationships with their clients. UWM’s ‘Lending Made Easy’ culture is highlighted by superior communication, underwriting consistency and unrivaled service to originators on every loan.

Valuation Partners is a national appraisal management company. We are owned and managed by appraisers with over 30 years of experience. Our customers benefit from a unique process for facilitating purchase transactions, our expertly managed panel and staff appraisers, as well as innovative products like bifurcated appraisals and customized AVM reports.

Velocity Mortgage Capital is a nationwide, direct portfolio lender providing investment property loans for residential 1-4, multi-family, mixed-use and small commercial properties. Our asset-based investment property loans enable brokers to meet the unique needs of real estate investors who are tough to qualify, including W-2 employees, self-employed entrepreneurs and small business owners.

We Lend is a hard money lender focused on servicing real estate investors by providing quick and low-cost capital on their investment properties. We Lend’s approach to lending is centered around the investor, therefore allowing the investor to focus more on their investment and less on the loan process. So, whether you are an experienced real estate investor – We Lend team has the qualifications to exceed expectation and can assist in the expansion of your real estate portfolio.

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