
Thursday, June 12
7:30 a.m.–8:30 a.m. Continental Breakfast
7:30 a.m.–6:30 p.m. Conference Registration
7:30 a.m.–4:30 p.m. Table Top Exhibits Open
8:30 a.m.–10:00 a.m. Opening General Session: Outlook and Solutions for 2008 — A Conversation with Industry Leaders

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Moderator: Stephen O'Connor Senior Vice President of Government Affairs Mortgage Bankers Association
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Panelists: Brian Montgomery Assistant Secretary for Housing/Federal Housing Commissioner (FHA) U.S. Department of Housing and Urban Development (HUD)
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Michael J. Frenz, CMB Executive Vice President Ginnie Mae
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Joaquin Tremols Acting Director USDA Rural Development Single Family Housing Guaranteed Loan Division
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Judith Caden United States Department of Veterans Affairs (VA) Loan Guarantee Service
10:00 a.m.–10:30 a.m. Coffee Break
10:30 a.m.–11:45 a.m. Concurrent Sessions:
New Approaches to Credit Underwriting Hear industry experts explain policy changes that affect how you underwrite loans. Share ideas and discuss solutions to some
of the complex daily challenges underwriters face. Experts in credit policy, technology and risk management share insight
about important topical issues. Conference participants get unique opportunities to network with their peers and talk about
the latest trends and developments affecting their profession. Get the latest updates on issues, including: fraud prevention;
the evolution of non-traditional products; reverse mortgages; technology improvements for underwriting; policy changes from
private label investors and government agencies; appraisal reviews; and alternative credit lending /emerging markets.
Moderator: Norman Edwards Associate Vice President Mortgage Bankers Association
Speakers: Barrett Burns President & Chief Executive Officer VantageScore Solutions, LLC
Joanne M. Gaskin, AMP Strategic Alliance Director - Scoring Solutions Fair Isaac Corporation
Matthew Vitko Vice President - Sales PRBC
Emerging Trends in State Housing Finance Authorities State HFAs play a crucial role in assisting first-time homebuyers and low-to-moderate income families. Others find the mortgage
product that best suits their individual needs. Join HFA directors as they discuss how private lenders can get involved in
state programs; what role federal government lending products play in meeting the needs of their constituents; and what the
future of state HFAs looks like.
Moderator: Allen H. Jones, AMP Government Lending Executive Bank of America
Speakers: Cindy Bradley, CMB, CML Loan Production Manager Colorado Housing and Finance Authority
Theresa A. Parker Executive Director California Housing Finance Agency
Dottie Sheppick Executive Vice President - Strategic Products Countrywide Financial Corporation
Michele G. Watson, AMP Director - Homeownership Programs Virginia Housing Development Authority
11:45 a.m.–1:30 p.m. Luncheon Session: MBA Economic Forecast Attend this session and learn how to position yourself for the future. Hear about the state of the economy and the direction
of the real estate finance industry, and take advantage of a question and answer forum.
1:30 p.m.–2:45 p.m. Concurrent Sessions:
Reverse Lending Update The demand for reverse mortgages continues to grow, and FHA’s Home Equity Conversion Mortgage (HECM) remains one of the most
popular products in this space. Hear from both FHA and lenders about how recent changes and innovations to the HECM program
can make this important tool more useful.
Moderator: Cory Carlisle Associate Vice President - Loan Production Mortgage Bankers Association
Speakers: Ken Austin President Reverse Mortgage Solutions, Inc.
Margaret Burns Director - Office of Single Family Program Development U.S. Department of Housing and Urban Development
Justin Burch Senior Mortgage Banking Analyst Ginnie Mae
Jeffrey S. Taylor, CMB Vice President - Senior Products Group Wells Fargo Home Mortgage
Specialty Products Update — USDA Rural Housing and FHA Renovation Programs Government programs have a number of specialty products that allow you to serve more borrowers. This session updates lenders
on the FHA’s 203(k) Renovation Loan program and the Streamline K product, as well as the USDA’s Section 502 Guaranteed Program
of the Rural Housing Service.
Moderator: Jane C. King Vice President - Renovation Lending Freedom Mortgage Corporation
Speakers: Michelle C. Corridon Senior Loan Specialist USDA Rural Development
Richard J. Bradley Policy Specialist U.S. Department of Housing and Urban Development
2:45 p.m.–3:15 p.m. Refreshment Break
3:15 p.m.–4:30 p.m. Concurrent Sessions:
Mortgage Technology Update Panelists discuss technologies available now and in the near future that streamline the origination process and bring about
greater efficiencies. Topics to be discussed include the latest news on eMortgages, MERS, MISMO and their impact on mortgage
markets. What are the new technologies available, and who are the key players?
Moderator: Harry A. Gardner Vice President - Industry Technology Mortgage Bankers Association
Speakers: Michelle Corridon Senior Loan Specialist USDA Rural Development
Gabe Minton Chief Strategy Officer Mortgage Cadence, Inc.
VA Loan Guarantee Program Update VA’s Electronic Guarantee systems revolutionized the processing endorsement and guarantees, and it received the backing of
the U.S. Government on the mortgages originated. Learn how this system works to significantly lower your costs. Hear about
planned upgrades and get all your endorsement and guarantee questions answered.
Speakers: Michael Frueh Assistant Director - Loan Management Department of Veterans Affairs
Diane King Loan Specialist Department of Veterans Affairs
Lance Motta Chief, Oversight Unit/264C - Loan Guaranty Service Department of Veterans Affairs
Carl W. Wasson Supervisory Loan Specialist Department of Veterans Affairs
William White Supervisory Loan Specialist - Loan Policy Department of Veterans Affairs
5:00 p.m.–6:30 p.m. Networking Reception
Friday, June 13
8:30 a.m.–9:00 a.m. Coffee Service
8:30 a.m.–Noon Conference Registration
8:30 a.m.–10:30 a.m. Table Top Exhibits Open
9:00 a.m.–10:30 a.m. Second General Session: Meet HUD’s HOC Directors A new era in FHA customer service is launching in spring 2008. With the creation of the FHA Resource Center, FHA’s Homeownership
Center’s (HOC) function as the primary regional contact for all FHA lenders will change. Discover how the FHA Resource Center
will affect your interactions with FHA; how you can obtain answers faster; and how you can use the proposed internet knowledgebase
to get your questions answered 24 hours a day. Hear from the HOC directors on how their role will change and about the issues
their HOC is managing today.
Speakers: Joseph C. Bates Director, Santa Ana Homeownership Center U.S. Department of Housing and Urban Development
Charles Gardner Director, Single Family Atlanta Homeownership Center U.S. Department of Housing and Urban Development
Ben L. Johnson Director, Denver Homeownership Center U.S. Department of Housing and Urban Development Federal Housing Administration
Engram Lloyd Director, Philadelphia Homeownership Center U.S. Department of Housing and Urban Development
10:30 a.m.-10:45 a.m. Break
10:45 a.m.–noon Concurrent Sessions:
Appraisal and Collateral Issues Update This session will focus on several issues. First, the Uniform Residential Appraisal Report (URAR) forms have increased the
responsibilities of appraisers on conventional mortgages. Second, Fannie Mae and Freddie Mac reached a settlement with New
York Attorney General Andrew Cuomo and OFHEO to establish new appraisal requirements for mortgages the GSEs purchase. Under
the agreement, GSEs agreed to adopt a “Home Valuation Protection Code” that establishes requirements governing appraisal selection,
solicitation, compensation, conflicts of interest and corporate independence. Third, the FHA and VA have reformed their policies
to significantly reduce the differences between themselves and the conventional market. Hear industry participants at the
heart of these changes and learn how to properly interpret these developments.
Moderator: Norman Edwards Associate Vice President Mortgage Bankers Association
Speakers: Peter W. Gillispie Housing Program Policy Specialist/Appraiser Federal Housing Administration
Gerald A. Kifer Supervisory Appraiser U.S. Department of Veterans Affairs
Phillip L. Schulman, Esq. Partner K&L Gates
FHA Credit Policy and Underwriting Update As the industry changes, so do the underwriting requirements. Join representatives from FHA and find out what the new policy
changes are and learn about the trends and issues that may affect your business. Get the latest news on the expansion of
FHASecure, Risk-Based Premiums, Participation of non-approved brokers in FHa Originations Loan Transmittal, Approving Borrowers
with Non-Traditional Credit and much more.
Moderator: Josh Denney, AMP Associate Vice President - Public Policy Mortgage Bankers Association
Speakers: Jim Beavers Director U.S. Department of Housing and Urban Development
Margaret Burns Director - Office of Single Family Program U.S. Department of Housing and Urban Development
Joanne B. Kuczma Deputy Director - Home Mortgage Finance Federal Housing Administration
Donna Tomposki Director - home Valuation Policy Division, Office of Single Family Program U.S. Department of Housing and Urban Development.
Noon Conference Concludes
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