In This Issue
2018-2019 Board of Directors
Matthew Goldman, CLO, CRO
Atlantic Home Loans 
Michael Azzarello, CMB  
Sherry Gallitz
Union Home Mortgage
Michelle Knoebel, CMB
Doug Leever
Pat Gaver
Synovus Mortgage Group 
Brittany Johnson

Teresa Hale
HomeBridge Financial Services 
Timothy Bazell
Fidelity Bank Mortgage
Jeff Kaufman
iberiabank Mortgage Company
Tara Merritt
Atlantic Home Loans
Jaime Fiore
Synovus Mortgage Group
Sandy Garcia
Paramount Residential Mortgage (PRMG)
Robert Villalon
National MI
Associate Director
Dawn Henshaw
Genworth Mortgage Insurance
Margie Fletcher (elected 2005)
Georges Lussier (elected 2010)
Local Chapter Presidents
Brittany Johnson
Yvette Clermont, AMP, CMB
Mick Dolan
Dan E. Doherty
Charlie Suarez
John Irons
Becky Morris
Denise Drew
2019/2020 Committees
Soon, we will announce the 2019/2020 Committee Chairs for the upcoming year. A Call for Volunteers will go out, and we hope you will join us by selecting a committee to help move your association into the future. 
Annual Convention 
Eastern Secondary Market Conference
Future Leaders
Future Leaders
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 participants. For more information or to nominate a Future Leader please review the program information under the link below.
Online Store-Education and Designations

-It's the Mortgage Bankers Associations' FREE grassroots network.
-It gives You the opportunity to directly impact YOUR business and livelihood.
-It is vital to us as an industry that legislators and regulators who are making new laws and rules hear the industry's views, loud and clear.
-Politics is a numbers game.  Elected officials pay attention to efforts conducted by a large group of people.
-Letters from MAA members show elected officials that real people in their states or districts care about these issues.
Ready to join? Sign up with the app:  
Text MAA to the number 313131 
With the app: 
  • Receive updates on bills affecting the real estate finance industry
  • Let your elected officials know how those bills will impact you directly
  • Research bills that MBA is watching
  • Find contact information for your members of Congress
  • Learn about MORPAC, MBA's political action committee
Please email
or call (202) 557-2933 if you need any assistance with the app. 
MBA Goes To Tallahassee, by Sherry Gallitz, MBAF Vice President
On Monday, March 18 th and Tuesday, March19 th, the MBA of Florida leadership visited Tallahassee to speak with our elected representatives about industry concerns.
We were able to meet with House Representative Susan L. Valles and Ardian Zika followed by meeting with Senators Aaron Bean & Robert Bradley and were able to discuss issue such as National Flood Insurance, Affordable Lending and Electronic/Digital Home Closings.  The day closed with a tour the Floor of Florida Senate and House Chambers.
Those in attendance were: Francine Villa, Christie Bluff, Gina Dionisio, Yvette Clermont, Doug Leever, Denise Simmons, Sherry, Gallitz, Mike Azzarello, Tim Bazell, Elena Katsulos, Pat Gaver & Mick Dolan.

Click Here to View Some Photos on facebook!
Ellen Niewold Service Information
Lei sarà mancato ♥️ ♥️ ♥️
The service for Ellen Niewold will be April 27 @11am at St Mary Magdalene in Altamonte Springs reception to follow in the Parish life center.

Welcome to Spring 2019

We hope you enjoy hearing these updates from your association.
Presidents Message
by Matthew Goldman, CLO, CRO President
Summer is Coming!

Yes, it's April already! I hope everyone had a great start to the year, and with the first quarter behind us, we are full steam ahead into the second quarter and before you know it Fall will be here. So far it appears to be a very strong market with the recent rate decreases, we should all be very busy right now.
Mark Your Calendars for June 18-20, 2019. Better yet, register now!
To help you keep up with education, changes, networking and vendor products, make sure to check out our upcoming Back to Back Secondary Conference and Annual Convention in June. We are reaching out far and wide to get the word out to make sure everyone will join us, especially anyone in the industry who has not experienced either the secondary market or our convention programs. Scheduling both events back to back opens the door for you to be able to save time and money to be able to attend both events. This is really an amazing opportunity! Plus, to help you out even more, we extended the early registration deadline to May 31st. Take a few minutes to view the program sessions and speakers in the link above, you will see we have a very high level of speakers and program content that is very valuable to you and to further your industry knowledge. If you have ever wondered about the secondary market, or never even gave it much thought, you will be able to easily see how this affects the LO and OPS. I charge you to attend and learn, meet the speakers and listen to educate yourself. If your company does not invest in you, please invest in yourself, as it will make a better you. You will have the opportunity to meet so many industry professionals and gain a wide range of contacts that it doesn't make sense not to attend. I promise you will not be disappointed.
As always, call me if you want to chat or have questions about anything. I am here for everyone.
SYNERGY: Synergy is defined as the increased effectiveness that results when two or more people or businesses work together.
Synergy is also defined as a state in which two or more things work together in a particularly fruitful way that produces an effect greater than the sum of their individual effects. The whole is greater than the sum of its parts.  
Local Chapter News
Check the link above to view the various events taking place with the chapters throughout the year! As more events are confirmed they will be added to the calendar. MBA of Tampa Bay provided some highlights for us. What a great group of volunteers!
MBA Tallahassee  
by Becky Morris, MBA of Tallahassee President
It is springtime in Tallahassee and the outlook for MBAT is a bright one. This year has been amazing for us with record numbers at our luncheons, a renewed reputation, and much involvement in the community
For January, February, and March luncheons, we mixed it up a bit and it paid off. Fo r January we had the pleasure of having Blain Rada, CSP, Senior National Trainer & Instructional Designer, to come talk to us about "Seizing Market Share in a Purchase Market." It was true success with over 45 people in attendance. February's luncheon focused on the new Tax Reform. Carr Riggs & Ingram gave a very informative presentation on all of the changes and it was helpful both personally and professionally for all that attended. That luncheon brought in about 60 people. March was also a big hit with a presentation on "Reigniting Goals". We had Audra N Fournier, MBA, CPC, MBC of Partners for a Solution, LLC and she motivated to get our strategies in line and go for what we want. Our attendance was down a little with all the Spring Breakers out of town, but we still had an attendance of about 40.
We have been able to continue our monthly socials and the turn -out has been great. In February we had a social at Island Wing Co. In March, we had our annual bowling night and as always it was a fun filled night of competition amongst Lenders, Title Agents, and Appraisers, and Realtors in our area.
Probably the most important thing that happened for MBAT this spring was that we were nominated for Leon County Schools Partner of the Year as a response to the continued support of a local school, Gretchen Everhart, that supports of Children with Special Needs here in our area and surrounding areas. The event that we have each December is very near and dear to our heart so this recognition was well received for the en tire organization and highlights the support we are giving to our community.

Pictured at the ceremony for the above award:
Becky Morris, President (4 th bottom row)
Amy Malfa, Associate Director (5 th bottom row)
Leon County School Superintendent, Rocky Hanna (6th bottom row) 
MBA Tampa Bay 
by Denise Drews, MBA of Tampa Bay President
We were honored to have Dennie Black speak on January 8, 2019!
Dennis Black is a leader in the finance and mortgage industry, bringing his unique coaching/mentor model to the industry since 1984. This event was held at the Pinellas Realtor Organization building with nearly 90 attendees . Everyone got a lot out of this and we look forward to the next time.  
On February 12, 2019 Nathaniel Bittman brought us Emotional IQ!
Nathaniel Bittman has been serving in the mortgage industry since 1995. He has worked in origination, processing and underwriting. He is a past president of the MBA of Tampa Bay and is a certified instructor and coach for StrengthsFinder and DISC. He is certified in Emotional Intelligence and is a state educator for the Florida Association of Mortgage Professionals. This event was held at the Brio Tuscan Grille and had approximately 40 attendees. 

MBA Tampa Bay had our first sell out luncheon meeting! Chip White from Florida housing is a part of the state's Homebuyer Loan and Mortgage Credit Certificate Program and always a huge draw for our luncheons. We had over 55 in attendance and had to turn people away at the door.
We also were able to present our check to the Children's Home Network in the amount of $22,656, the proceeds from our 34 th annual silent auction to benefit the Children's Home Network. 
On April 9th we had a Referral Panel. This meeting was held at Brio Tuscan Grille and provided an interesting and lively presentation and Q&A session with our panelists
We are excited to close out our year with our final two events: 
May 10th, 2019 Annual Richard M Phillips Golf Tournament
at Lansbrook Golf Club! Registration begins at 11:30 a.m. with a shotgun start at 12:30 p.m. All proceeds to benefit MPAC
June 11th, Kelly Brockman with Genworth & Member Social and 2019 -2020 Board Installation
We will be meeting June 11 th from 4:00 - 7:00 pm at Brio Tuscan Grille. We are combining our meeting with our annual Member Social along with the Installation for our 2019-2020 Board.
Click the link at the beginning of this article to access the local chapters on line to register. 
Legislative Update, by Eric Prutsman, MBAF Legislative Representative
With less than two weeks left to the 2019 Legislative Session, this Legislature has been remarkable in how well the House and Senate have worked together to advance legislation. And although Governor DeSantis has not had an opportunity to use his line item veto on the budget, all indications are that Legislature is working closely with the Governor's Office to make sure his priorities on funding education, environmental issues, and hurricane relief are accomplished before gavel drops on the Session.
Your MBAF leadership had an opportunity to view the Legislature up close and personal when they came to Tallahassee to visit the Capitol on March 18 and 19. Meeting with House and Senate legislators, and taking to the Senate and House Chambers for meetings with key legislative leaders, the group had a behind-the-scenes view of what it takes to bring a bill to the House or Senate Floor. Extra thanks to Senator Aaron Bean for taking the time to meet with MBAF members from his district and from around the state, and then take them to the Senate Chamber and House Chamber.
As your MBAF leadership met with legislators, one of the key pieces of legislation discussed was the online notarization legislation that is currently working its way through the process. Senate Bill 548 and House Bill 409 authorize the use of remote online notarization and recognizes the legal validity of certain electronic legal documents in Florida. The bill permits notaries, civil-law notaries, and commissioners of deeds to register as online notaries and provide remote online notarizations through two-way, remote audio-visual communication technology. Additionally, the bill requires substantial record-keeping and security protocols for online notaries, including third-party identify verification (credentials analysis), and provides for the use of Remote Online Notarization (RON) platforms and software to facilitate online notarizations. The bills have advanced through all of their respective committee and await action by the full Senate and full House.
There will be plenty more to report as the final two weeks of Session gets underway, which is also when more than 90% of all of the legislation is passed, including the State's budget. We will provide an update in the next edition.
What we did at MBA's 2019 National Advocacy Conference (NAC) in Washington, DC , by Tim Allen, CMB, MBAF Past President and CMB Society Chairman
If you are involved in any facet of the real estate finance industry and have never attended the MBA's National Advocacy Conference (NAC), you are missing one of the best and most important events the Mortgage Bankers Association (MBA) provides to its membership. The NAC is the largest and only advocacy event focused solely on real estate finance issues.
The Mortgage Bankers Association did a fantastic job of preparing for our meetings that included online presentations before we traveled to DC and a full day of presentations before we made any calls to our legislators.  They provided us with comprehensive material to read and first-rate material to leave behind with legislators, their aids and their senior legislative assistants
Current real estate finance issues that we advocated for during our meetings included:
Enact GSE Reform to Create a Sustainable, More Vibrant Secondary Mortgage Market. Long-term conservatorship is not a healthy end-state for the housing finance system. MBA urges Congress to move forward on thoughtful, comprehensive GSE reform legislation that focuses on certain core principles, as outlined in the MBA's white paper:
Federal Housing Finance Programs Need Funding for Technology and Risk Management Improvements. The importance of federal housing finance programs for low- to moderate income families has grown in the years since the recession. To keep pace with changing program needs, more funding is needed to ensure that the Federal Housing Administration (FHA), Department of Veterans Affairs (VA), Department of Agriculture's (USDA's) Rural Housing Service and Ginnie Mae have the necessary technology, systems, and human capital to manage these programs in a financially sound manner.
 Access and Affordability: Inventory, Availability, and Scale. Access to and affordability of both owner-occupied and rental housing continues to challenge communities across the country. The affordable housing challenges range from local zoning regulations to unclear or contradictory regulations for self-employed borrowers to long-term impacts of historic government policies, like redlining, that discriminated against certain borrowers. 
 Reauthorization of the National Flood Insurance Program. Floods are the number one natural disaster in the United States in terms of lives lost and property damaged. The National Flood Insurance Program (NFIP) provides over 5 million property owners with insurance to protect their homes and businesses from losses due to flooding and serves as an integral component of recovery for communities across the country after major flooding events. MBA urges Congress to move swiftly to provide long-term reauthorization of the NFIP.
Enhancing Disaster Response Capabilities. The recent increase in the scope and frequency of natural disasters in the United States calls on the mortgage industry to remain on alert, and have the tools necessary to promote preparedness and to provide short-term mortgage relief and long-term repayment strategies for victims of natural disasters. To deliver relief fairly and consistently, the industry needs a common playbook across all the federal agencies and guarantors as well as consistent standards of property preservation and hazard mitigation programs.   
Increase Certainty for Lenders Participating in the FHA Program. The legal and reputational risks associated with originating Federal Housing Administration (FHA)-insured loans have increased markedly in recent years. MBA supports efforts to develop clearer standards and expectations for lenders doing business with FHA. Such improvements will incentivize greater lender participation and increase the availability of affordable mortgage credit, particularly for low- to moderate-income and first-time homebuyers.
For details on all these issues above and more and to learn how you can get involved in advocacy for the real estate industry check out the Mortgage Action Alliance, Inc.® (MAA). This voluntary, non-partisan and free nationwide grassroots lobbying network of real estate finance industry professionals, affiliated with the Mortgage Bankers Association (MBA), is dedicated to strengthening the industry's voice and lobbying power in Washington, DC and state capitals across America. To learn more, get involved with MAA to play an active role in how laws and regulations that affect the industry and consumers are created and carried out by lobbying and building relationships with policymakers. It only takes a moment to get started, and you do not have to be a member of the MBA to enroll. To join the MAA go to
The MBA speakers that presented at the NAC on the day before our legislative calls included:  
  • Robert D. Broeksmit, CMB, President and Chief Executive Officer, Mortgage Bankers Association
  • Rep. Josh Gottheimer (D-NJ), U.S. House of Representatives
  • Brian F. Stoffers, CMB, 2019 MBA Chairman-Elect, Global President, Debt & Structured Finance, CBRE
  • Rep. Steve Watkins (R-KS), U.S. House of Representatives
  • Rep. Gregory Meeks (D-NY), U.S. House of Representatives
  • Christopher M. George, 2019 MBA Chairman, Founder, President and CEO, CMG Financial
  • The Honorable Benjamin S. Carson Sr., M.D., Secretary, U.S. Department of Housing and Urban Development
  • Bill Killmer, Senior Vice President for Legislative and Political Affairs, Mortgage Bankers Association
  • Dan Fichtler, Director of Secondary and Capital Markets, Mortgage Bankers Association
  • Daniel Grattan, Associate Vice President, Legislative & Political Affairs, Mortgage Bankers Association
  • Rep. Terri Sewell, U.S. House of Representatives
  • Susan Stewart, 2019 MBA Vice Chairman, Chief Executive Officer, SWBC Mortgage
  • Tallman Johnson, Associate Vice President of Legislative Affairs, Mortgage Bankers Association
  • Pete Mills, Senior Vice President, Residential Policy & Member Engagement, Mortgage Bankers Association
  • There was also an entertaining presentation from Chris Wallace, Award-Winning Veteran Journalist, Host of FOX News Sunday 
Our first day ended with wonderful reception at the Library of Congress.  
We had outstanding representation from Florida and everyone from Florida did a fine job representing our industry on Capitol Hill!  The dress for the conference is always business attire but make sure you bring comfortable shoes because you'll be doing lots of walking!
The 2019 NAC delegation from the Florida Mortgage Bankers Association is listed below in alphabetical order. Sorry if I missed anybody.
  • Tim Allen, CMB |
  • Cristina Avila | Eagle Home Mortgage, LLC.
  • Doug Calabrese | Eagle Home Mortgage, LLC.
  • Yvette Clermont, CMB | Inlanta Mortgage Inc.
  • Traci Craven | PennyMac Financial Services, Inc.
  • Michael Dunn | FBC Mortgage, LLC
  • Laura Escobar, Eagle Home Mortgage, LLC.
  • Angela Folkers | Love Funding Corporation
  • Sherry Gallitz | Union Home Mortgage
  • Keith Gloeckl | Churchill Stateside Group LLC
  • Frank Graham | Eagle Home Mortgage, LLC.
  • Dario Jimenez | Union Home Mortgage
  • Kim Lanham | Digital Risk, LLC
  • Deborah Moore, CMB | Capital Markets Cooperative, LLC
  • Chanda Noe | Eagle Home Mortgage, LLC.
  • Richard Peek, CRMS | The Mortgage Firm
  • Rock Primas, CMB | Sourcepoint, Inc.
  • Jill Showell | Ocwen Financial Corporation
  • Victor Soler-Sala | Black Knight
  • Wendy Stamnas | Churchill Stateside Group LLC
  • Jeffrey Taylor | Digital Risk, LLC
  • David Todd | Eagle Home Mortgage, LLC.
  • Michael Tolbert | Triad Financial Services
  • Brad Vasto | Black Knight
A BIG "thank you" to everyone at the Mortgage Bankers Association for making this event bigger and better year after year! And a special shout out to MBA's Alden Knowlton Associate Vice President of Political Affairs at Mortgage and Alexis Gurganious Senior Grassroots Advocacy Assistant Legislative and Political Affairs for all their hard work and assistance!
A strong and unified voice is critical as we work to better our industry and the communities we serve. I hope you will join me next year at MBA's National Advocacy Conference 2020: April 21-22 | Renaissance Washington, DC.
Tim Allen, CMB®  Founder and CEO Office: 888.684.2220 | Email:
June 18-19-20, 2019  
Thank You Members! (as of 4-23-2019)
We value and appreciate your continued support. 

Financial Institution Members
*Acopia Home Loans
American Bancshares Mortgage
Ameris Bank
Apex Mortgage Corp.
Assurance Financial
Atlantic Home Loans
*Branch Banking & Trust
Better Mortgage Corporation
Capital City Bank
Centennial Bank
*Christensen Financial, Inc.
Deephaven Mortgage
Drummond Community Bank 
Eagle Home Mortgage
Embrace HomeLoans
Farm Credit of Northwest Florida
Fidelity Bank Mortgage
Finance of America Reverse LLC
First Commerce Credit Union
First Federal Bank of Florida
First Home Bank
Florida Capital Bank N.A.
Freedom Mortgage
Group One Mortgage, Inc.
*Guild Mortgage
Hancock Bank
*Homebridge Financial Services
Home Point Financial Corporation
*Iberiabank Mortgage Company
Inlanta Mortgage
K Hovnanian Companies
Paramount Residential Mortgage (PRMG)
PrimeLending, A PlainsCapital Company
Quicken Loans
Regions Mortgage
*resXpartners Warehouse Lending, a division of United Bank
SunTrust Mortgage
SWBC Mortgage
*Synovus Mortgage Group
*The Mortgage Firm
Union Home Mortgage
United States Automobile Association
VyStar Credit Union
Waterstone Mortgage
Associate Members
*Arch MI
*Doc Probe
Essent Guaranty
Fannie Mae
Freddie Mac
*Genworth Mortgage Insurance
Kahane & Associates, P.A.
KOW Building Consultants
MERSCORP Holdings, Inc.
*Mortgage Guaranty Ins. Corp.
Mortgage Information Services
*National MI
Rumberger Kirk & Cardwell
Seeman Holtz Property and Casualty, LLC
Shapiro, Fishman & Gache, LLC
Tampa Bay Community Development Corp.
The StoneHill Group
Western Technologies Group, LLC
Individual Members
Tim Allen, CMB 
Michael Azzarello, CMB
Amy Ellmore
Jim Flood 
Michelle Glass, Esq.
David Greif
Brittany Johnson 
Michelle Knoebel, CMB  
Doug Leever 
Michael Pollis 
Coleen T. Regan
Tolly Spence
Alan Verch, CMB
Paul Wholley 

Certified Mortgage Banker
The Certified Mortgage Banker (CMB) designation is the industry standard of professional success. It symbolizes respect, credibility, ethics, and achievement within real estate finance. Earning a CMB instantly places you at the top of our dynamic industry and makes you a part of the elite group that has achieved the highest level of professional success.
You can choose to earn a Commercial or Residential CMB. Complete both programs to earn your Master CMB. Achievement of these designations represents the epitome of dedication and expertise in the real estate finance industry. Since its inception in 1973, the CMB has been the highest professional designation for the real estate finance industry. The CMB community is made up of outstanding industry professionals and leaders. With such a great community, the designation continues to define excellence within the industry.
Whether obtaining the designation as a personal achievement in their career, or as a testament to the industry, CMB designees exhibit the dedication that inspires other professionals to strive for excellence. In fact, more than 89% of CMB designees hold the title of vice president or higher, reflecting the level of leadership and commitment designees maintain.
The Tools to Succeed
The designation program is comprised of several steps. From documentation, to exam preparation, through graduation, the MBA staff helps you every step of the way. They have all the right tools to help you succeed and offer award-winning training to help you meet the requirements and prepare for the exam. And you can track your progress with your online transcript. If you are an individual who would like to demonstrate your commitment to professional excellence and distinguish yourself as a leader within the industry-the CMB designation is the program for you: Residential - Commercial - Master.
Choose the path that is right for you
When the program was initially developed, professionals who wished to earn the designation were required to learn both commercial and residential finance disciplines before they could earn the CMB. At that time, most lenders had commercial shops within their organization, so it was expected that professionals could, and would learn both parts of the industry.
The growth of the industry necessitated the division of companies to focus on more specialized operations and many new companies appeared on the playing field as a result. Now many successful professionals are experts within their field and may never have the opportunity or need to learn the other side of the business.
The CMB Society recognized this shift within the industry and resolved to address the progression of our workforce by segmenting the designation into these three distinct groups.
CMB Society of Florida
CMB Logo
About the Certified Mortgage Bankers Society of Florida
The idea of a CMB Society within the MBAF began in 2011 . The purpose of the proposed Society would be to create awareness of the purpose of the CMB designation and promote membership in the CMB society. Tim Allen, CMB, who was the 2010/2011 Chairman of MBAF's CMB Committee, together with some others, came up with the idea of forming a State of Florida CMB Society, and having a breakfast at the MBAF Eastern Secondary Conference to discuss the idea. Ross Bennett, CMB founder and longtime Chairman of MBAF's CMB Committee also saw value in a Florida CMB Society and assisted Tim presenting the concept at the CMB Breakfast. Approximately 25 CMBs and Candidates attend the CMB Breakfast at the Eastern Secondary Conference and all the CMBs present voted unanimously to form a CMB Society of the MBAF.
The name of the organization is The Certified Mortgage Bankers Society of Florida. (CMB Society of Florida)
The purpose of the Certified Mortgage Bankers Society of Florida is:
  • To create awareness of the purpose of the CMB designation and promote membership in the CMB society.
  • To encourage qualified individuals to pursue the CMB designation.
  • To provide more opportunity for prospective CMBs to learn what it means to be a CMB.
  • To provide mentors and proctors for CMB candidates.
  • To provide a networking opportunity for Florida CMBs to meet and exchange knowledge and ideas.
  • To educate ourselves to national and local issues affecting our industry.
  • To act, if and when necessary, to influence positive change.
  • To encourage and enhance networking relationships.
Membership in the Certified Mortgage Bankers Society of Florida is divided into two categories:
A) Regular Members, both active and inactive, who have achieved the CMB designation; and regular members who have full rights and privileges of membership which entitle them to vote, hold office, proctor examinations and perform other duties as appropriate.
B) Candidate Members will allow individuals to attend certain functions and activities without the privileges of full membership.
The Certified Mortgage Bankers Society of Florida meetings are held at the Eastern Secondary Conference and at the Annual Convention of the MBA of Florida.
More information at and