7:30 a.m.–5:30 p.m.
Conference Registration

7:30 a.m.–4:30 p.m.
Exhibits Open

7:30 a.m.–8:30 a.m.
Continental Breakfast

8:30 a.m.–10:00 a.m.
Opening Remarks by John A. Courson, President and Chief Executive Officer, Mortgage Bankers Association
Opening General Session: Outlook and Solutions for 2009 — A Conversation with the Industry Leaders
Mortgage bankers are torn between a desire to define their organization’s structure and strategy and a recognition that their world is in a constant state of flux. A tight credit market has brought about greater involvement by the federal government through FHA, VA, Fannie Mae, Freddie Mac, Ginnie Mae and RHS. Hear from top executives as they discuss changes taking place in these organizations and how you and your company can participate in these expanding opportunities.

Moderator:
Robert E. Story, Jr., CMB
2009 MBA Chairman-Elect
President
Seattle Financial Group

Speakers:
Mark Bologna
Director of Loan Guaranty
U.S. Department of Veteran Affairs

Brian D. Montgomery
Assistant Secretary of Housing/Federal Housing Commissioner
U.S. Department of Housing and Urban Development

Joseph J. Murin
President
Ginnie Mae

Philip Stetson
Acting Deputy Administrator for Single Family Housing
USDA Rural Development

10:00 a.m.–10:30 a.m.
Break

10:30 a.m.–11:45 a.m.
Transitioning Your Business to FHA
As lenders work to position their companies for success in today’s market, there are many challenges and transition issues for conventional, subprime, retail and wholesale originations from application through servicing. This session highlights the major issues lenders face with FHA lending and solutions for handling the shift.

Speaker:
Alice Alvey, CMB
President
Mortgage U, Inc.

David L. Lykken
Managing Partner
Mortgage Banking Solutions

11:45 a.m.–1:30 p.m.
Luncheon

1:30 p.m.–2:45 p.m.
FHA Enforcement: How to Survive HUD Audits
In the past few years, the volume of FHA lending has increased significantly, as has the number of mortgage lenders obtaining FHA approval. To maintain FHA approval, lenders must follow strict underwriting guidelines and adhere to stringent guidelines regarding, among other things, their offices. This session gives an update to FHA-approved lenders on the department’s monitoring and enforcement initiatives regarding FHA loans. These initiatives include routine audits by the Quality Assurance Division and the HUD Office of Inspector General, proceedings involving the Mortgagee Review Board, including loan indemnification and civil money penalties available to the department in each of these areas and much more.

Speaker:
Krista Cooley
Associate
K&L Gates

Jeffrey London
Chief of the Oversight Unit
VA Loan Guaranty Service

Mark A. Ross
Acting Director, HQ Quality Assurance Division
U.S. Department of Housing & Urban Development

2:45 p.m.–3:00 p.m.
Break

3:00 p.m.–4:15 p.m.
The Next Generation of Operations - What's In It for Me?
This lively panel discussion includes key leaders in the REO valuation and disposition industries, as well as the software and legal professions. A recognized visionary in the REO valuation industry will deliver an overview of the appraisal industry and where it is headed. A noted member of a highly recognized legal firm from Washington, DC will share their view on technologies and practices, litigation and future legislation. One of the members of the largest online auction platforms in the nation, who has more experience liquidating assets than anyone else in the country, will speak as to his experience in disposing of REO assets. Tying technology into operations and the thread that weaves it all together is software as a management tool for intellectual property. Listen as our expert shares the need for integrity and authenticity in corporate files. Join this panel of experts and challenge your thinking about topical issues facing the mortgage banking industry today.

Moderator:
Stephen Nation
Executive Vice President
Nation Technologies, Inc.

Speaker:
John Cirincione, SRA, CRE, FRICS
Director of Business Development
JVI Appraisal Division, LLC

Louis Fisher III
President
Ameribid, LLC

Margo Tank
Partner
Buckley Sandler, LLP

4:15 p.m.–4:30 p.m.
Break

4:30 p.m.-5:15 p.m.
Automated Underwriting: Are the Underwriting Tools still Usable?
What happens to automated underwriting in this market? Underwriting new loans versus modifications and refinances require different skills and different tools. Given the meltdown of credit, lenders have to refocus and ensure their staff is equipped with the right skills necessary to make prudent decisions. This panel focuses on the challenges of using existing underwriting tools and processes and looks at what is necessary going forward ensure that good decisions are made.

Speakers:
Allen H. Jones, AMP
Government Lending Executive
Bank of America

Geoffrey A. Oliver, CMB
Chief Executive Officer/Managing Partner
Hilltop Advisors, LLC

5:30 p.m.–6:30 p.m.
Reception

Wednesday, April 29

8:00 a.m.–8:30 a.m.
Conference Registration

8:00 a.m.–8:30 a.m.
Coffee Service

8:00 a.m.–10:30 a.m.
Exhibits Open

8:30 a.m.–9:30 a.m.
Second General Session: FHA, Veterans Administration and Rural Housing Program Update
Government programs have a number of specialty products that allow you to serve more borrowers. This session gives a detailed update to lenders on various loan programs offered by the FHA,VA and USDA's Rural Housing Service.

Moderator:
Andrew P. Szalay
Senior Public Policy Specialist - Government Affairs
Mortgage Bankers Association

Speakers:
Margaret Burns
Director - Office of Single Family Program Development
Federal Housing Administration

Gerald A. Kifer
Supervisory Appraiser
U.S. Department of Veteran Affairs

Joaquin Tremols
Acting Director
USDA Rural Development

William W. White
Supervisory Loan Specialist, Loan Policy
U.S. Department of Veterans Affairs
 
9:30 a.m.–10:00 a.m.
Break

10:00 a.m.–11:00 a.m.
Fraud, FHA Lenders and a Declining Economy
The contraction of the mortgage market and the closing of many lender shops leave the remaining lenders at higher risk of being targeted by mortgage fraudsters. Fraud not detected during underwriting can lead to loss of reputation, income and buybacks, as well as exclusion by the FHA. This session highlights fraud that takes advantage of government programs to assist troubled borrowers and capitalizes on lender process weakness in loan-modification and loss-mitigation programs. Participants hear about FHA action to address these issues, in addition to lender process improvements and reporting intended to spot these trends and stop fraud.

Moderator
Joyce F. Walsh
Senior Vice President, Central Mortgage Operations, Production Risk Management & Home Equity and Insurance Services
Bank of America

Speakers:
Ann Fulmer
Vice President
Interthinx

Anthony Medici
Special Agent in Charge
U.S. Department of Urban Development

Angelo D. Rea
Senior Vice President - Government Underwriting
Flagstar Bank

Rosemarie A. Wolfe
Director Quality Control
EquiFirst

11:15 a.m.-12:30 p.m.
Refinancing Options for Troubled Loans
Federal and private sector refinance initiatives are focused on restructuring mortgage debt obligations into loan-to-value and payment amounts that customers can afford. To write solid paper and prevent recidivism, lenders must understand current home values, forecasted home values and credit capacity. Join us for a discussion of the terms and pros and cons of various refinancing programs available to lenders to deal with non-performing loans, such as the U.S. Department of Housing and Urban Development’s (HUD) Hope for Homeowners, FDIC refinancing program and Fannie Mae and Freddie Mac programs, as well as other proprietary refinancing programs. Other items to be discussed include how to use best practices and market intelligence to support a home retention culture and how to properly implement a proactive refinance campaign.

Speakers:
Arthur B. Axelson
Partner
Reed Smith, LLP

Karen R. Smith
Executive Business Consultant
Loan Servicing Solutions
Financial Institution Services
Fiserv

12:30
Conference Concludes