September | October 2009 Volume XVII Issue V B. Litton, Jr., Houston Rob Macioce, ... JW Marriott San Antonio Hill Country San Antonio, Texas ... Net Revenue VS Retail Branch Models:

The licensing training courses are on the calendar.

TMBA will be offering the first round of licensing courses before year end. One of several classes is projected to run concurrent with the upcoming TMBA Seminar in Dallas, November 16-18. The State of Texas requires every mortgage banker originator take 20 hours of education to obtain their license. For the convenience of those who take our course in Dallas with the Seminar, three consecutive days may seem quite the commitment but in one fail swoop students will knock out all the required pre-licensing class requirements.

Plans are still being finalized with national on course approval and arrangements with the hotel, but what we do know is that the class will be limited to 100 students and the deadline to get the hotel discounted rate has been extended to October 10th. Let Lisa in the TMBA office know how many seats you would like to reserve and watch for the registration information.

And that is not all. In our continuing effort to be your one-stop resource for complying with the new licensing laws, TMBA has also developed a course specifically tailored to help loan originators pass the required licensing tests. Also look for a course that will help companies build their quality control program to assure you are complying with all new regulations – and there are a bunch of them. You will see more on this in the upcoming months.

Of course, you can always get all of your licensing information at www.texasmortgagelicensing.org.

Sincerely,John Watson2009.2010 TMBA President

Texas Mortgage Bankers Association September | October 2009 Volume XVII Issue V

President’s MessageJohn Watson

Off icers President

John Watson, HoustonVice President

W. Scott Norman, AustinSecretary/Treasurer

David E. Frase, CMB, AMP, ArlingtonAssociate Representative

Billy F. Vaughn, DallasPast President S. Van Stewart, San AntonioPast President

Michael D. Minnis, HoustonExecutive Vice President

Lisa Vercher, AustinGeneral Counsel Larry Temple, Austin

DirectorsBarry R. Baker, CMB, Fort WorthRosemary E. Barbour, DallasTommy Bastian, AddisonBlane L. Bauch, Coraopolis, PAJudy A. Belanger, HoustonClifton A. Crabtree, HoustonCathy Gibb, HoustonKevin Gillespie, DallasDana Gompers, CMB, HoustonJ. Kevin Gugenheim, Aliquippa, PACharles E. Klein, WoodwayMarc N. Laird, HoustonMichael Lima, DallasLarry B. Litton, Jr., HoustonRob Macioce, SpringCalvin C. Mann, Jr., HoustonRobert D. O’Reilly, HoustonMark Raskin, AddisonTom Rhodes, AustinRon Rogers, LubbockSusan T. Stewart, San AntonioThomas Tallent, Fort WorthScott R. Valby, HoustonBilly F. Vaughn, DallasThomas F. Vetters, II, AustinRobert H. Wagnon, HoustonLance P. Welch, BoerneRob G. Wiggins, HoustonIan Wright, Dallas

www.texasmba.org www.texasmortgagel icensing.org

www.texasmba.org www.texasmortgagel icensing.org2

TMBA Mortgage Roundup September | October 2009 Volume XVII Issue V

Upcoming TMBA Meetings & Conferences

59th Annual Educational Seminar & MarketplaceNovember 16 - 17, 2009Westin Galleria | Dallas, Texas

Southern Secondary Market ConferenceFebruary 2 & 3, 2010Marriott Woodlands WaterwaThe Woodlands, Texas

6th Annual Southern States Servicing ConferenceApril 14 & 15, 2010Gaylord | Grapevine, Texas

94th Annual ConventionMay 16 - 18, 2010JW Marriott San Antonio Hill Country San Antonio, Texas

TMBA STAFFEXECUTIVE VICE PRESIDENTLisa [email protected]

MEMBERSHIP & MEETING COORDINATORShannon [email protected]

COMMUNICATIONS SPECIALISTJamie [email protected]

CONTENTSMissionUpcoming eventsStaffFuture of Mortgage LendingLicensingLegislative | Regulatory efforts

FEATURES020202031112

DEPARTMENTS0409141516

Educational seminarSecondary conferenceTMBPACFriends of TMBAMembership

MISSION

ADS192122

Global Green Insurance AgencyRenee HelmCertified-Shred

TMBA’s missionis to be committed to being a quality-focused association of real estate finance professionals that provides the best educational resources, government advocacy, and industry interaction available for building a viable, competitive, and profitable mortgage lending and servicing industry in the state of Texas.

leading Texas real estate finance industry since 1917.

http://www.texasmba.org/seminar


http://www.texasmba.org/secondary/



September | October 2009 Volume XVII Issue V TMBA Mortgage Roundup

3

TMBA will be offering the first round of licensing and test preparation courses before year end. If you are interested in training all your loan originators at one time, contact Cliff at [email protected] to schedule the training.

And that is not all, in our continuing effort to be your one-stop resource for complying with the new licensing laws, TMBA is developing a course that will help companies build their quality control program to assure you are complying with all new regulations – and there are several. Watch your email and www.texasmortgagelicensing.org for more information.

Other Upcoming Local Meetings &

Conferences

Austin Mortgage Bankers Association

Monthly LuncheonOctober 7, 2009 | 11:30 am

The Austin Country Club www.austinmba.org

Austin Mortgage Bankers Association

Monthly LuncheonOctober 12, 2009 | 10:00 am

Great Hills Country Club www.austinmba.org

Fort Worth Mortgage Bankers Monthly Luncheon

October 21, 2009 | 11:30 amPetroleum Club of Fort Worth

www.fortworthmba.org

Texas Mortgage Lending Law & Practices Deskbook Second Edition

Do you have theTMBA Deskbook? If not, order your copy today.A special thanks to members of the Regulatory Compliance Committee that make the Deskbook possible by volunteering their time and expertise. A complete list of Deskbook and Supplement authors can be viewed in the Acknowledgments section.

TMBA hosted three “The Future of Mortgage Lending” workshops within the last two months in Tyler, Lubbock, and McAllen. Special thanks to Commissioner Doug Foster, Texas Department of Savings and Mortgage Lending for speaking about the upcoming changes as a result of the S.A.F.E.

Mortgage Licensing Act. The S.A.F.E. Act established the federal minimum standards that include back ground checks, testing, and at least 20 hours of pre-licensing education and at least 8 hours of continuing education annually for loan originators. Commissioner Foster was able to explain the scope of the changes and what it will mean for the mortgage lenders in Texas.

Thank you TIB, The Independent Bankers Bank, and the McAllen Chamber of Commerce for helping sponsor these events. We had a total of 117 participants.

TX Licensing TMBA Course Update

The Future of Mortgage Lending re-cap

http://www.texasmba.org

http://www.texasmba.org/licensing.asp

http://www.texasmortgagelicensing.org

http://www.austinmba.org/catalog/product_info.php?products_id=42

http://www.austinmba.org/catalog/product_info.php?products_id=42

http://www.fortworthmba.org

http://www.texasmba.org/ed_tools/deskbook.asp

http://www.texasmba.org/ed_tools/deskbook.asp

http://www.texasmba.org/seminar/

http://www.texasmba.org/seminar/




It’s Our Move.

Educational Seminar & Marketplace59th Annual

Nov 16 & 17, 2009 | Westin Galleria | Dallas, Texas

MON Nov 16th 10:00 am Golf Tournament Hills of Prestonwood Country Club Noon Exhibitor Setup 2:00 – 6:00 pm Registration 5:00 – 6:00 pm FML Challenge UnRun 6:00 – 7:30 pm Opening Reception with Exhibitors

TUES Nov 17th 7:30 am Registration 8:00 – 9:00 am Breakfast with Exhibitors 9:00 – 10:00 am Welcome & Keynote 10:00 – 10:30 am Break with Exhibitors 10:30 am Concurrent Sessions Noon – 2:00 pm Lunch & Keynote 2:15 pm Concurrent Sessions 4:00 – 5:00 pm Closing Reception with Exhibitors Exhibitor Move-out 5:00 – 7:30 pm President’s Reception

visit www.texasmba.org/seminar for detailed schedule

and about time.

DEADLINE - Oct 23Sponsors. Tabletop-Exhibits. Program Advertising.Each of the above will receive additional recognition in the Seminar Program and signage if order and materials are received in the TMBA office before October 23rd.




5

Golf TournamentThe Hills of Prestonwood Country Club6600 Columbine Way | Plano, TX 75093mon, nov 16th 10:00 am

*All players must be registered for the Seminar in order to participate in the golf tournament. Sponsorships are still available for golf.

FML UnRUN ChallengeThe Future Mortgage Leaders UnRUN is back by popular demand! The FML Challange requires no running shoes and proceeds benefit the FML/James M. Wooten Scholarship fund.

The $30 registration fee will get you a t-shirt, two drink tickets, and a great networking opportunity.mon, nov 16th 5:00 - 6:00 pm

Mutating Modifications: The Changing Nature of the Home Affordable Modification Program

This session will discuss Home Affordable Modifications, where we are, where we are headed, and answers to all the questions you wanted to ask but could not or did not.

Panelist: Dave Worrall - Fannie Mae, VP for OperationsTBD - Freddie MacTBD - FHA

S.A.F.E. Act: Are You Ready?

The Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (S.A.F.E. Act) that became law in July of 2008 will impact all mortgage loan originators. This law will have a significant affect on loan originators employed by mortgage bankers. In this session you will learn key objectives of the Act and who’s in charge of enforcement. You will also develop a clear understanding of who must be licensed and who may simply register under the Act.

Speaker: H. Clifford Long

Net Revenue VS Retail Branch Models: The Ins & Outs of Branch Profitability Comp Plans

Moderator: Ian Wright, IMW Consulting, LLC.

Panelists:Todd Salmans, President - Prime LendingRay Daniel, CMB, EVP - Network Funding LPLinda Davidson, Net Revenue Operator - SFMC, LP

Alphabet Soup: How to Most Efficiently Manage the New ABC’s of Mortgage Lending

Moderator: Tracy Maynard Cole – Colonial National Mortgage

Panelists:Robert A. Cook, Managing Partner - Hudson Cook, LLPDebbie Dunn – CTX Mortgage Company

SESSION TOPICS EVENTS

FML/James M Wooten Scholarship FundThe TMBA Future Mortgage Leaders (FML) Program is dedicated to identifying and cultivating the next generation of industry leaders by awarding several scholarships to the MBA Future Mortgage Leaders program.

The Scholarship was developed in 1993 and has since become the primary focus for the Future Mortgage Leaders. Now called the Future Mortgage Leaders/James M. Wooten Scholarship, the program was designed focus on developing new leaders who will guide our organization and our industry in the years to come.

Scholarship ApplicationScholarship applications are accepted each year by DECEMBER 1! If you are interested in applying contact the TMBA office or visit www.texasmba.org to complete the application and for more information.



http://www.texasmba.org/docs/fml_scholarship_ap.pdf





Do you have any special needs addressed by the American Disabilities Act? Yes No – if yes, please attach a statement regarding any particular needs you may have and someone from our office will contact you.

Where did you hear about the Annual Educational Seminar & Marketplace? TMBA website TMBA Newsletter Email Blast Postcard Other :

Attendee InformationPlease copy and use one registration form per attendee unless you are signing up as a group registration.

first name last name middle initial

company title

mailing address

city state zip email

phone fax Are you a first time attendee? Yes No

TMBA | 59th Annual Educational Seminar & MarketplaceNovember 16 & 17, 2009 | Westin Galleria | Dallas, Texas

Payment

Check enclosed (payable to TMBA) AMEX MC Visa Total amount due:

CC number expiration date CVV2#

card holder first name last name signature

billing address (if different from above)

city state zip Total amount paid:

mail registration form to TMBA, 823 Congress Ave, Ste 220, Austin, Texas 78701 fax registration form to 512.480.8621or register online at www.texasmba.org/seminar

Texas Mortgage Bankers Association | 823 Congress Ave, Ste 220, Austin, Texas 78701 | 512.480.8622 p | 512.480.8621 f

Registration Form

Registration FeesPlease use one registration form per attendee before Oct 5th after Oct 5th member $175 $225 non-member $300 $350Group rate* members $135 $185 non-members $260 $310

*To receive the group rate, there must be at least six (6) attendees from the same company registering at the same time. All group registration forms must be submitted together for the group rate to apply.

handicap before Oct 5th after Oct 5th

Golf $125 $140

qty ordering

Un-Run Race (includes t-shirt) $30 per person $30 per person

President’s Reception* $50 per person $50 per person

*one reception ticket included with registration. Extra tickets are available and must be purchased by a seminar attendee.

Event Tickets



7

59th Annual

Seminar SponsorAffiliated MortgageBank of America MortgageBankers Insurance ServiceBarrett Daffin Frappier Turner & Engel, LLPBBVA Compass BankBeadles, Newman & Lawler, PCBlack, Mann & Graham, LLPBrown, Fowler & AlsupCitiMortgageColonial National MortgageCommerce TitleCornerstone Mortgage CompanyDallas Mortgage Bankers AssociationEnvoy MortgageFannie MaeFirst Continental Mortgage CompanyFort Worth Mortgage Bankers AssociationFreddie MacGregg & Valby, LLPHouston Capital MortgageHouston Mortgage Bankers AssociationHoustonian Mortgage Group, Inc.Ken Hughes & Associates, PCLawyers Title/Commonwealth Land TitleLegacy Mutual Mortgage/Gardner Financial Services LTDLitton Loan Servicing LPMcGlinchey Stafford and Youngblood & As-sociates, LLPMetLife Home LoansMortgage Guaranty Insurance CorporationPatriot Bank MortgagePeirsonPatterson, LLPPlatinum Title Partners

Polunsky & Beitel, LLPPrimeLendingPrimeWest Mortgage CorporationPrimus Services Group LLCRadian Guaranty, Inc.Republic Mortgage Insurance CompanyRepublic Title of TexasRobert A. Schlanger, PCRobertson | AnschutzRocky Mountain Mortgage CompanySente MortgageServiceLinkSouthwest Securities, FSBStewart Lender ServicesSWBC Mortgage CorporationTaylor Bean & WhitakerTexas Capital Bank, N.A.Wells Fargo Home Mortgage

Golf Lunch SponsorOrion Financial Group, Inc

Hole SponsorsEMortgage Logic, LLCMcGlinchey Stafford and Youngblood & Associates, LLPMortgage Banking SolutionsNetwork Funding LPOutsource Solutions, LLCPrimeLendingProDovis Mortgage, LLC.

as of October 6, 2009

SponsorsTHANK YOU

Educational Seminar & Marketplace





Tabletop-Exhibit OpportunitiesTMBA is excited to offer this extraordinary networking event to your company. With the licensing, education updates statewide, we anticipate a larger than normal crowd at the already popular event. As an exhibitor, you have the opportunity to showcase your products and services and plenty of time to network and create business opportunities.

To reserve your table, please complete the tabletop reservation form (www.texasmba.org/seminar) and return with payment to the TMBA office. SIgn up before October 23rd to get your name in the Seminar Program.

Program Advertisingfull page 5 x 8 inches, $500 eachhalf page 5 x 3 3/4 inches, $250 eachbusiness card 2 x 3 1/2 inches, $125 each

*ads must be submitted with appropriate image size and resolution (300 dpi).

Contact TMBA ([email protected]) before October 23rd if you are interested in advertising in the program.

Sponsorship LevelsTMBA depends on the continued support of its sponsors to develop quality programming and networking opportunities for its members. To express our appreciation for your generous contributions, we have expanded the menu of benefits to bring you a higher level of recognition. To sign up as a sponsor please complete the Sponsorship form (www.texasmba.org/seminar) and return to the TMBA office by mail or fax to 512.480.8621.

Golf SponsorshipsAs our golf tournament participation increases each year, so does your visibility to other mortgage banking professionals! Complete a sponsorship form to sign up.

Lunch - $1500 - SOLDBeverage Cart - $1000 (your own) - $500 (co-sponsor)Awards Sponsor - $750Hole Sponsor - $300Hole-in-One - $350

visit www.texasmba.org/seminar and select marketing opportunites for details and order form.

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59th Annual




9823 Congress Ave, Ste 220 | Austin, Texas 78701 | p 512.480.8622 | f 512.480.8621 | www.texasmba.org

Posi�oning yourself for the new market.Moving Past the Meltdown

��

visit www.texasmba.org/secondary for updates.

Southern Secondary Market ConferenceFebruary 2 & 3, 2010

Marriott Woodlands Waterway | The Woodlands, TXP 800.228.9290 | 1601 Lake Robbins Dr, The Woodlands, TX 77380

Texas Mortgage Bankers Associat ion

��

Warehouse Lending Learn about net worth requirements, products, eligibility, and overlays. How do you get started in this market?

Dealer PanelWhen will the MBS market return? What is selling/buying today? What is to come and what to look out for?

State of the Industry

Mergers & AcquisitionsWho is buying failed banks? Who is expanding, and what opportunities are there for strong companies?

Business Model Strategies Is your Business Positioned for the future? Retain vs. Released, using a sub-servicer, pipeline management (diversification), risk management, and servicing valuation.

What Does Selling Released Look Like Today?What are they looking for in a correspondent? What products are they buying and what is their general strategy?

�� 1:00 pm Registration 2:00 – 3:15 pm Warehouse Lending 3:30 – 5:00 pm Dealer Panel 5:30 – 7:00 pm Reception Dinner - on-your-own*�� 8:00 am Registration & Continental Breakfast 8:50 – 9:00 am Welcome 9:00 – 10:00 am State of the Industry 10:00 – 11:00 am Mergers & Aquisitions 11:30 – 1:00 pm Lunch & Keynote keynote 1:30 – 2:30 pm Business Model Strategies 2:30 – 3:30 pm Selling Released Today

3:30 - 4:30 pm Refreshments & Networking*subject to change (as of 10/2/09)

Meet with your clients at the many restaurants along the Woodlands Waterway (similar to San Antonio’s Riverwalk). The Woodlands Waterway is located right outside the Marriott Hotel and connects to the Woodlands Mall and the Cynthia Woods Mitchell Pavilion and Town Green Park.

*more dining and entertainment: www.thewoodlandscvb.com DINING AND ENTERTAINMENT for you and your clients.






mail registration form to TMBA, 823 Congress Ave, Ste 220, Austin, Texas 78701or fax registration form to 512.480.8621

register online www.texasmba.org/secondary

��

Please copy and use one registration form per attendee.

fi rst name last name middle initial

company title

mailing address

city state zip email

phone fax Are you a fi rst time attendee? Yes No

TMBA | Southern Secondary Market ConferenceFebruary 2 & 3, 2010 | Marriott Woodlands Waterway | The Woodlands, TX

��Please use one registration form per attendee by Jan 4th after Jan 4th

member $249 $299 non-member $374 $424

��

CC number expiration date CVV2#

card holder fi rst name last name signature

billing address (if different from above)

city state zip Total amount paid:

Check enclosed (payable to TMBA) AMEX MC Visa Total amount due:

Texas Mortgage Bankers Association | 823 Congress Ave, Ste 220, Austin, Texas 78701 | 512.480.8622 p | 512.480.8621 f

��

��Staying at the Marriott Woodlands Waterway Hotel and Convention Center puts you in the center of The Woodlands, TX. This in-cludes easy access to entertainment venues, retail shops, upscale restaurants, and Houston, Texas. We are a state of the art hotel offering a distinct setting for your next visit or meeting.

Call 800.228.9290 for room reservations. $179.00 single/double | *make your reservations by January 4, 2010.

Do you have any special needs addressed by the American Disabilities Act? Yes No – if yes, please attach a statement regarding any particular needs you may have and someone from our offi ce will contact you.

Where did you hear about the Conference? TMBA website TMBA Newsletter Email Blast Trade Magazine Ad Other :

source: website source: newsletter



11

deadline!

Texas Mortgage Bankers Association

823 Congress Ave, Ste 220, Austin, TX 78701 | 512.480.8622 p | 512.480.8621 f | www.texasmba.org | www.texasmortgagelicensing.org

Your Profession. Your Questions. All The Answers.Since 1917, Texas Mortgage Bankers Association (TMBA) has played an active role in educating our members and those in the residential mortgage industry. The Texas mortgage lending community has turned to Texas Mortgage Bankers Association for its leadership in industry education, legislative and regulatory initiatives and peer interaction. Today, TMBA’ continues to serve the mutual interests of its members in order to preserve, enhance and advance the mortgage lending and real estate finance business in the state of Texas.

leading Texas real estate finance industry since 1917

march 31, 2010

Mortgage banker loan originators must pass the national and state components of the SAFE Act mandated exam and have taken the 20 hours of approved pre-licensing course work by March 31, 2010.

questions?www.texasmortgagelicensing.org has answers to all your questions.When should a mortgage lender file the MU1 and MU2? Can the 20 hours required for the license be online classroom? Definition of “residential mortgage loan originator.” Credit report? How do I stay up-to-date on Texas pre-licensing and continuting education standards?



http://www.texasmortgagelicensing.org



Legislative | Regulatory Efforts. There were tremendous challenges in the 2009 Texas Legislative session prompted by legislators who believe a more restricted and regulated system of mortgage lending should be adopted in Texas. 7,419 House and Senate bills were introduced in the last legislative session. With TMBA and its lobbying efforts, three key bills support and developed by TMBA were approved and none of the legislation opposed by TMBA passed.

The three primary bills that TMBA actively supported and which have now become law are:

• HB 10 – the Texas version of the “model act” being adopted by all states to implement the federal S.A.F.E. legislation for licensing and regulating residential mortgage loan originators. The legislation contains all of the minimum standards and requirements of the federal law but does not impose any additional requirements that would be objectionable. TMBA was involved in every stage of the drafting of that legislation and in its passage.

• HB 2779 – This legislation amends the Texas Mortgage Banker Registration Act to provide the regulatory structure for the licensing and regulation (pursuant to the provisions of HB 10) of mortgage banker loan officers who originate home loans. The legislation was drafted by TMBA. Although there were a couple of technical changes made in the legislation during its passage, there were no objectionable provisions that were inserted.

• HB 2774 – The Texas Savings and Mortgage Lending Department, the Texas Department of Banking, and the Office of Consumer Credit Commissioner (all of which are governed by the Finance Commission) are funded by fees paid by individuals and entities who are regulated by those agencies. They receive no tax dollars. However, the monies they receive can be spent presently only if and how appropriated or designated by the Texas Legislature. The provisions added to HB 2774 removed the Finance Commission agencies from the legislative budget process. That will permit them to hire and retain the most competent and qualified people. This legislation is important to mortgage bankers since the Texas Department of Savings and Mortgage Lending presently registers mortgage bankers and will be the agency that licenses and regulates mortgage banker residential loan officers.

TMBA successfully opposed bills that would have resulted in:

• Legislation to prohibit a lender from using a credit score in setting a borrower’s interest rate.• Legislation that provided that the owner of residential real property could file a lawsuit against a lien holder within 30 days after a foreclosure sale “for a claim that arises out of the transaction under which the lien attached, regardless of whether the action would otherwise be barred by limitation”. Stated another way, a borrower could sue a lender on the original loan within 30 days after a foreclosure sale even if the original loan had been made 10 or 15 years earlier.

• Legislation which would have extended from the present 20 day time period to 60 days the minimum time of notice of foreclosure and which would require the foreclosing lien holder to publish notice of the foreclosure (with extensive information specified in the legislation) once a week for four weeks in a local newspaper prior to foreclosure. It was estimated that this requirement could cause a Houston foreclosure to cost more than $3,000 for the publication requirement if the notice was published in the Houston Chronicle.

• Legislation adding extensive new duties on a residential mortgage servicer including (1) any fee incurred by the servicer and assessed to the debtor must be assessed within 45 days with a clear explanation or the fee is waived, (2) a payment (even if it is insufficient) must be credited within one business day of the date received or an explanatory notification must be provided to the debtor, and (3) the mortgage servicer must maintain records of any dispute or error and provide detailed information if requested by the debtor.

continued on page 18



13

• Legislation that would prohibit a lender from refinancing an existing home loan unless the new loan has a “reasonable, tangible net benefit to the borrower considering all of the circumstances, including the terms of the new and refinanced loan and the borrower’s stated loan objectives, repayment ability, current and expected income, and current obligations”. The concern, of course, is that this subjective determination requirement would generate disputes and litigation.

• Legislation that would require 60 to 90 day mediation on a defaulted home loan before the mortgage servicer could foreclose.

• Legislation that would authorize a debtor on a “subprime mortgage” (as defined in the legislation) and negative amortization loans to defer foreclosure for up to 270 days.

• Legislation that would set a maximum interest rate of 9% on consumer loans (which obviously would include home loans) and would limit a late payment to $5 and also provide that no late payment fee could be levied against a senior citizen, anyone disabled, or low income individuals.

• Legislation that would have mandated a standard form of a payoff statement for home loans which a lender or mortgage servicer would be required to complete and provide if requested. The lender or mortgage servicer would be bound by the amount on this payoff statement for purposes of closing a transaction. Any amounts remaining owed because of a mistake by the lender or mortgage servicer would not constitute a lien against the property (as is the current law) but would remain the personal liability of the borrower.

• Legislation requiring a lender to contact the debtor in person or by telephone to advise the debtor of a home loan default and the opportunity to cure.

• Legislation that would have required mandatory counseling before a lender could make certain types of home loans to borrowers.

• Legislation that would have required lenders to provide to borrowers in connection with default and opportunity to cure notices (1) a description of the options available to debtor to prevent foreclosure (lawsuit?) and (2) a description of and warning against “typical activities that may be encountered by the debtor in connection with the foreclosure, including unconscionable actions or courses of action” (apparently, some form of deceptive trade practice act recitation).

• Legislation that would have required judicial – rather than the current non-judicial – foreclosure of certain types of loans, including most ARMs.

• Legislation that would have a required a filing in connection with a notice of foreclosure of extensive information about the loan being foreclosed upon, including: (1) the type of lien being foreclosed, (2) the initial interest rate on the loan, (3) the origination and maturity dates of the loan, (4) the initial amount of the debt, (5) whether the loan allows negative amortization or payment of interest only, (6) extensive information about the index if the interest rate could change, (7) whether the loan allows for a scheduled payment that is more than twice as large as the initial payment, (8) whether the loan has a prepayment penalty or allows for a change in interest rate when there is a default by the debtor or a decrease in the debtor’s credit score, (9) the type of default (whatever that means), (10) demographics of the debtor (whatever that means), (11) whether the property was the debtor’s residence, and (12) the Zip Code of the property. This extensive litany is provided to demonstrate just how impractical the legislation would have been.

• Legislation that would have required a $150 filing fee on every mortgage foreclosure with the money to be used for indigent legal services.

Legislative | Regulatory Efforts. continued.





Judith A. Belanger, Cornerstone Mortgage CompanyShawn Black, Black, Mann & Graham, LLPVickie Bourassa, Colonial National MortgageDavid Bravo, Cornerstone Mortgage CompanyAaron Bush, First Continental Mortgage CompanyMichael Bye, Lender Processing ServicesKristin Carroll, Sente MortgageLinda Clampitt, Colonial National MortgageClifton A. Crabtree, First Continental Mortgage CompanyNancy Darden, Colonial National MortgageRichard Davis, First Continental Mortgage CompanySusan Davis, First Continental Mortgage CompanyBill Dawley, First Continental Mortgage CompanyMichael Farris, PeirsonPatterson, LLPTimothy Fisher, First Continental Mortgage CompanyCheryl Freeman, First Continental Mortgage CompanyKendall A. Garrison, First Continental Mortgage CompanyDiane M. Gleason, Black, Mann & Graham, LLPDana Gompers, CMB, Envoy MortgageJonathan M. Grafflin, ChaseJ. Kevin Gugenheim, ServiceLinkKittie Gugenheim, Mortgage Guaranty Insurance CorporationRonald E. Hames, First Continental Mortgage CompanyWindy Hartl, First Continental Mortgage CompanyMike Holtkamp, Amegy Mortgage Company, LLCRoan King, First Continental Mortgage CompanyDebra A. Kingston, First Continental Mortgage CompanyMichael Lima, Fannie MaeRobin Lyons, Black, Mann & Graham, LLPGrace M. Maher, First Continental Mortgage CompanyKay W. Malaise, Colonial National MortgageCalvin C. Mann, Jr., Black, Mann & Graham, LLPFred McDonald, Great Western Financial Services, Inc.Barbara Moffett, Colonial National MortgageJames N. Moore, First Continental Mortgage CompanyJ. David Motley, CMB, Colonial National MortgageMichael Nasserfar, First Continental Mortgage CompanyW. Scott Norman, MetLife Reverse MortgageRobert D. O’Reilly, MetLife Home LoansAndy Perlman, First Continental Mortgage CompanyJeff Raich, Mortgage Guaranty Insurance CorporationMark Raskin, PrimeLendingDawn Robinson, PrimeLendingLinda S. Rollins, Black, Mann & Graham, LLPCody Sanderlin, First Continental Mortgage CompanyMark R. Sims, Colonial National MortgageThomas Tallent, Colonial National MortgageJoe Bob Thompson, FC Lending, Ltd.Scott R. Valby, Gregg & Valby, LLPBilly F. Vaughn, Lawyers Title Insurance CorporationThomas F. Vetters, II, Robertson | AnschutzJohn Watson, Sente MortgageMarcia Wilson, Colonial National Mortgageas of 10/09/09

TMBPAC

THANK YOU for your support!

ImportanceDecisions made by the State Legislature impact not only your livelihood, but your customer’s access to mortgage money as well. In order for our voice to be effective in the legislature, we must be successful at raising funds. We have the ability to support candidates who share our industry views. Also, we have a responsibility to protect not only our businesses, but an availability of competitive mortgage money to consumers. TMBPAC is a vehicle for individuals to collectively become involved in the political process in support of issues important to their work and lives.

Getting InvolvedYour TMBPAC contribution reflects the commitment of our industry statewide and works collectively with that of other mortgage industry professionals to help candidates favorable to our issues. Help protect the mortgage industry in Texas by making a contribution to the TMBPAC today!

To start your own company campaign, contact TMBPAC Chair Tim Fisher at [email protected].

Visit www.texasmba.org for more information or to donate today. Contribution forms are available onsite.

*All PAC contributions, like all other political contributions, must be made by individuals. Contributions can be accepted from individuals, sole proprietorships, partnerships and other political action committees. Corporation’s cannot fund TMBPAC. Mortgage bankers who operate as an individual or on an entrepreneur basis can contribute in that individual capacity. All political contributions are of public record and all PAC’s are required to make periodic reports to the Texas Ethic’s Commission of all contributions received and all contributions made to candidates. A PAC can make a contribution to another PAC unless it is precluded by its bylaws or governing documents. Contributions made to the TMBPAC are neither deductible as a business expense nor as a charitable contribution. Make your contribution online today!

Mission. To provide funds and direction for action to be taken on legislative initiatives.

2009

http://www.texasmba.org/tmbpac/tmbpac.asp





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“Friends of TMBA” is a 3-tier individual sponsorship opportunity which helps support TMBA education programs beginning with this year’s

annual convention.

The Seminar Committee will continue reaching out to “Friends of TMBA” at this

year’s annual Educational Seminar & Marketplace event. Join this prominent list of supportors by contacting the

TMBA office or Sheree Gilbert.

___________________________

1. Pawn - $252. Rook - $1003. King/Queen - $250 or more

For your support, your name will be

prominently display on the applicable event website, program, and on-site signage.

Friends of TMBATHANK YOU

Barry R. Baker, CMBPeggy BakerRosemary E. BarbourTommy BastianBlane L. BauchJudith A. BelangerThomas R. BellDennis BerryStephen BertrandRhiannon BolenJeff BolenKaren M. BootsMike BrubakerSteve BuiltaMark BuntingValerie CanonAmy J. CokeJoe CollinsPamela DaineRay J. Daniel, CMBGary DavisPam EastwoldMichelle EsparzaDavid E. Frase, CMB, AMPCathy GibbSheree GilbertR. Scott Gillen, CMBKevin GillespieJason Gillespie, CMBKittie GugenheimKelli HimebaughKyle KellerCharles E. Klein

Renessa KnowlesLaura C. LaRaiaStacy London, CMCH. Clifford LongCalvin C. Mann, Jr.Michael McFarlandPaulina S. McGrathMichael D. MinnisCarla MooreJodie MorganVicki MurphyRobert D. O’ReillyMichael PattersonCherie PheifferMary Pirrello, AMPMelissa PlaisanceKellyAnne PorterMark RaskinDawn RobinsonMary SimmonsS. Van StewartBilly F. VaughnThomas F. Vetters, IIChris VivianoJulie WalkerJohn WatsonRob G. WigginsIan Wright, AMP

as if 10/2009

for your support!





currentTMBA MEMBERSregular membersMark Abernathy | Capstar Lending, LLC, AustinRex Adams | Bank of America Mortgage, PlanoChristine Adams | University Federal Credit Union, AustinIrma Aguilar | Rocky Mountain Mortgage Company, El PasoJames R. Alexander | New South Federal Savings Bank, KilleenChris Allen | Texans Credit Union, RichardsonMichael Allen | Nations Reliable Lending, HoustonJerry Alred | Classic Home Financial, Inc, HoustonMylena Alred | Classic Home Financial, Inc, HoustonRodney Anderson | Supreme Lending, DallasTroy Anderson | ProDovis Mortgage, LLC., ArlingtonRussell Anderson | Colonial National Mortgage, PlanoDale H. Andreas, CMB,CPA | Amegy Mortgage Company, LLC, The WoodlandsTim Ashby | Security Service Federal Credit Union, San AntonioDonald F. Ashley | North Dallas Bank & Trust Co, DallasPhillip R. Askew | NorthMarq Capital, DallasGary Aston | Franklin American Mortgage Company, IrvingDolan Aucoin | Cendera Funding, Inc, Fort WorthBuzz Baker | Network Funding LP, HoustonBarry R. Baker, CMB | MSI, N Richland HillsPeggy Baker | Wells Fargo Home Mortgage, MansfieldCharles Bangert | ViewPoint Bank, PlanoHeath Barnes | Republic State Mortgage, HoustonGary Base | ViewPoint Bank, PlanoTim Beadnell | Indymac Mortgage Services, a Division of OneWest Bank, AustinPeter Beanland | Wells Fargo Home Mortgage, SouthlakeRob Beesley | TexasLending.com, DallasJudith A. Belanger | Cornerstone Mortgage Company, HoustonBrian Bennett | WR Starkey Mortgage, LLC, PlanoDennis Berry | New South Federal Savings Bank, AustinCarolyn Bertelson | DHI Mortgage, AustinJerry Bevers | Chase Home Finance, HoustonDebbie Bigelow, CMB, AMP | Amarillo National Bank, AmarilloPaulette Blackmon | Mortgages & More, Inc., PalestineKimberly Washington Bledsoe | Southwest Funding, L. P., DallasSean Bobbitt | Indymac Mortgage Services, a Division of OneWest Bank, AustinJeffrey E. Bode | Moncor Inc., AddisonDerek Bolls | Cornerstone Mortgage Company, HoustonDona Bonn | Indymac Mortgage Services, a Division of OneWest Bank, AustinKaren M. Boots | Affiliated Mortgage, RichardsonJohn L. Bradley | SWBC Mortgage Corporation, HoustonMike Bradshaw | Bank of America Mortgage, PlanoGavin Brady | Indymac Mortgage Services, a Division of OneWest Bank, AustinMark Bragg | Residential Credit Solutions, Inc., Fort WorthRonald I. Branch | JP Morgan Chase, HoustonEd Bratton | Chase Home Finance, DallasCameron Breed | SWBC Mortgage Corporation, AustinConnie Brewton | Indymac Mortgage Services, a Division of OneWest Bank, AustinNeal S. Brodbeck | Blanco National Bank, Spring BranchNancy J. Brooks | National Bank Mortgage Department, KilleenShawn Broussard | SFMC, LP, RichardsonKent Brown | Sente Mortgage, AustinTom Brown | New South Federal Savings Bank, HoustonBruce Brunner | Amherst Funding Group, LP, AustinBrad Buchanan | CitiMortgage, Inc., Highland VillageSteve Builta | Hometrust Mortgage Co., AustinGreg Burkett | Preferred Home Loan, HoustonRhonda Burns | CitiMortgage, Hickory CreekDiana Burns | Randolph-Brooks Federal Credit Union, Live OakMark Buskuhl | Southwest Funding, L. P., DallasMike Cannatti | Network Funding LP, AustinValerie V. Cardenas | International Bank of Commerce, McAllenMike Carity | Universal Mortgage Corporation, MequonNancy Carter | TRMS Hedge, San RafaelYvonne Case | University Federal Credit Union, AustinPatrick Casey | Bankers Financial Mortgage Group, DallasRex Chamberlain | Network Funding LP, HoustonJoseph Chapman | Bank of America Mortgage, HoustonCindy Chism | Bank of America Mortgage, AustinWilson Cituettes | Nations Reliable Lending, Houston

Linda Clampitt | Colonial National Mortgage, DallasJames Clapp | WR Starkey Mortgage, LLC, PlanoRobert J. Clemmer | Extracobanks, N.A. Dba Extraco Mortgage, WacoLonny Coffey | 1st Advantage Mortgage, L.L.C., ArlingtonSherry Colley | WR Starkey Mortgage, LLC, PlanoJoe Collins | TIB-The Independent Bankers Bank, IrvingBrian Collins | Cendera Funding, Inc, Fort WorthRichard F. Comparato | MetLife Home Loans, IrvingBrad Cope | CTX Mortgage Company, DallasLydia Cordova | Bank of America Mortgage, El PasoEric B. Couch | First Commercial Bank, New BraunfelsTom Couture | City Bank Mortgage, LubbockClifton A. Crabtree | First Continental Mortgage Company, HoustonKerri Crabtree | Wells Fargo Home Mortgage, BedfordYvette Crabtree Dobbins | Southwest Funding, L. P., DallasLarry Crisp | Indymac Mortgage Services, a Division of OneWest Bank, AustinMarc Croker | 1st Advantage Mortgage, L.L.C., ArlingtonCarolyn Crowson | American State Bank Home Loan Center, LubbockPat Crump | Farmers State Bank, CenterTracey Dace | CitiMortgage, Commerce TownshipDarel Daik | Noble Mortgage & Investments, LLC, HoustonPamela Daine | Everbank, CypressRay J. Daniel, CMB | Network Funding LP, AustinKerry Dannenberg | SWBC Mortgage Corporation, San AntonioKim Davidson | DHI Mortgage, San AntonioLinda Davidson | SFMC, LP, GarlandJerry Davis | ViewPoint Bank, PlanoWilliam Dawley | First Continental Mortgage Company, HoustonLaurie Deck | Randolph-Brooks Federal Credit Union, Live OakChris Denison | Amegy Mortgage Company, LLC, The WoodlandsPatrick L. Dennis | MetLife Home Loans, IrvingDan Diepenhorst | Legacy Mutual Mortgage/Gardner Financial Services LTD, San AntonioMary Dinkins | Cornerstone Mortgage Company, DallasStefanni Doran | Moncor Inc., AddisonScott Drescher | PrimeLending, DallasJanna Dretzka | TexasLending.com, DallasJames S. DuBose, CMB | Colonial National Mortgage, Fort WorthLouis Dunnam | HNB Mortgage, Big SpringCarol Durham | Omni American Bank, Fort WorthDebby Eastland | Bank of America Mortgage, PlanoTony Ebers | Indymac Mortgage Services, a Division of OneWest Bank, PasadenaNorma Edwards | City Bank Mortgage, LubbockJennifer Eggen | Wells Fargo Home Mortgage, MansfieldScott A. Everette | Supreme Lending, DallasPat O. Fain | Corsicana National Bank & Trust, CorsicanaLori A. Falk | CommunityBank of Texas, BeaumontJohn Farrell | Colonial National Mortgage, Fort WorthTimothy Fisher | First Continental Mortgage Company, HoustonJoyce Fisher | Capstar Lending, LLC, AustinMalcolm Fitzgerrell | Houstonian Mortgage Group, Inc., StaffordBilly J. Fleming | Texas Star Bank, S.S.B., LottElizabeth Folk | Litton Loan Servicing LP, HoustonScott Fontenot | Wells Fargo Home Mortgage, Des MoinesTroy A. Fore, Jr. | Intrust Mortgage, Inc., Fort WorthRobert J. Frank | CBRE Melody of Texas, LP, DallasDavid E. Frase, CMB, AMP | Southwest Securities, FSB, DallasBill R. Frazer | CBRE Melody of Texas, LP, HoustonCathy Freeman | Franklin American Mortgage Company, HoustonEric Friedman | Indymac Mortgage Services, a Division of OneWest Bank, AustinChristopher Gaas | CBRE Melody of Texas, LP, HoustonRussell T. Gaines | Southwest Guaranty, HoustonMike Gale | Secure Mortgage Company, HoustonRobert D. Gardner | Legacy Mutual Mortgage/Gardner Financial Services Inc., San AntonioRosie Garza | International Bank of Commerce, McAllenJames Geeslin | Extracobanks, N.A. Dba Extraco Mortgage, WacoLorraine George | Capstar Lending, LLC, AustinJuli Gerrard | 1st Advantage Mortgage, L.L.C., ArlingtonRobert W. Gerrard, Jr. | 1st Advantage Mortgage, L.L.C., ArlingtonCathy Gibb | Bank of America Mortgage, HoustonGordon B. Gilbert | Cornerstone Mortgage Company, Houston



17

Kevin Gillespie | CTX Mortgage Company, DallasJason Gillespie, CMB | Southwest Securities, FSB, ArlingtonDeborah Ginac | Capstar Lending, LLC, AustinBill Glasgow | Indymac Mortgage Services, a Division of OneWest Bank, AustinDana Gompers, CMB | Envoy Mortgage, HoustonGabe Guerra | Kleberg Bank Mortgage Center, Corpus ChristiPatricia Gustafson | Hometrust Mortgage Co., HoustonNicole Haggard LeBoeuf | Nations Reliable Lending, HoustonHarold W. Hahn | Rocky Mountain Mortgage Company, El PasoSherry R. Hall | Omni American Bank, Fort WorthTamara Hambright | Southwest Securities, FSB, ArlingtonAngela Hamilton | Republic State Mortgage, HoustonTina Hammel | Patriot Bank Mortgage, HoustonRon Hampton | First National Bank, GranburyMyatt Hancock | Hancock Mortgage Partners, LLC, Sugar LandBryan Harlan | ARK-LA-Tex Financial Services LLC, Dba Benchmark Mortgage, PlanoDon Harris | Alethes, LLC, AustinRobert Harry | Residential Credit Solutions, Inc., Fort WorthDan Hastings | Affiliated Mortgage, West MonroeRobert E. Havran | Omni American Bank, Fort WorthJana Haynes | Riverbend Bank Dba Riverbend Mortgage, Fort WorthJames Hecht | Bank of America Mortgage, PlanoJennifer Hedgepeth | DHI Mortgage, AustinTad Hensley | AmeriPro Funding Inc, AustinWalter Henson | Bank of Texas, DallasAntonio Hernandez | Amistad Bank, Del RioCecilia Hernandez | Bank of America Mortgage, BellaireJennifer Hernandez | Patriot Bank Mortgage, HoustonMarie Herrin | Amegy Mortgage Company, LLC, The WoodlandsMike Holtkamp | Amegy Mortgage Company, LLC, The WoodlandsLiz Hopkins | Litton Loan Servicing LP, HoustonJ.K. Huey, CMB, AMP | Wells Fargo Home Mortgage, San AntinioStewart Hunter | ARK-LA-Tex Financial Services LLC, Dba Benchmark Mortgage, PlanoPat Hymel | Indymac Mortgage Services, a Division of OneWest Bank, AustinBryan Jackson | Southwest Funding, L. P., DallasCharles Jackson, III | Bank of America Mortgage, AustinWilliam Jackson, CMB | NorthMarq Capital, DallasJudy James | Legacy Mutual Mortgage/Gardner Financial Services LTD, San AntonioJoe Jeffries | Bank of America Mortgage, San AntonioPam Jenkins | AmeriPro Funding Inc, AustinNeil Johnson | 1st Advantage Mortgage, L.L.C., ArlingtonDon Kalbacher | Legacy Mutual Mortgage/Gardner Financial Services LTD, San AntonioBob Kane | New South Federal Savings Bank, BirminghamDavid R. Kapavik | Lone Star Bank S.S.B., MoultonKim R. Karr, III | Wells Fargo Home Mortgage, EllisvilleLisa Kay | Everbank, DallasAmy Keen | DHI Mortgage, AustinTracy L. Kell | Willow Bend Mortgage, PlanoAnn Kelley | Litton Loan Servicing LP, HoustonMichael L. Kennemer | Moncor Inc., AddisonKale Kibbe | CBRE Melody of Texas, LP, HoustonDan Killian | Guaranty Bank, DallasKeith Kitterman | Everbank, DallasDarcus Kluge | Colonial National Mortgage, Fort WorthWilliam Knapp | Hometrust Mortgage Co., HoustonRenessa Knowles | PrimeWest Mortgage Corporation, LubbockNorman Koch | First Star Bank, BremondSharlow Koehl | Franklin Bank, SSB, HoustonLinda Komm | SWBC Mortgage Corporation, AustinTim Kongenske | First Mortgage Home Lendingdba/ Victory Mortgage, Flower MoundKathy Kreskai | SWBC Mortgage Corporation, SpringJames Kucherka | Texell Federal Credit Union, TempleDavid L. Kuebler | New South Federal Savings Bank, KilleenEric Kugler | RMC Vanguard Mortgage Corporation, HoustonTodd Kurio | Capstar Lending, LLC, AustinMarc N. Laird | Cornerstone Mortgage Company, HoustonLinda Lane | Premier Capital Lending, ArlingtonWayne C. Lapham | Republic State Mortgage, HoustonBrandon Latman | Indymac Mortgage Services, a Division of OneWest Bank, Pasadena

Max Leaman | PrimeLending, Round RockMary Legate | GenEquity Mortgage, Inc., IrvingDamon Leonetti | SunTrust Mortgage, Inc., HoustonDee Anne Lerma | Litton Loan Servicing LP, HoustonRoyce C. Lewis, III | Capital Mortgage Services of Texas, LubbockJack Lieberman | USA Mortgage Funding, LLC, AustinLinda Litt | Southwest Funding, L. P., DallasRon Litt | Southwest Funding, L. P., DallasLarry B. Litton, Sr. | Litton Loan Servicing LP, HoustonLarry B. Litton, Jr. | Litton Loan Servicing LP, HoustonLance Logan | WR Starkey Mortgage, LLC, PlanoStacy London, CMC | Houston Capital Mortgage, HoustonGil Lopez, III | GL Consulting LLC, SpringJames L. Ludman | The First National Bank of Jacksboro, Dba The Highlands Bank, DallasLance Ludman | WR Starkey Mortgage, LLC, PlanoSonya Luechauer | DHI Mortgage, AustinKirby Luechauer | DHI Mortgage, AustinDoug Luza | Chase Home Finance, HoustonSharon Lynn | New South Federal Savings Bank, BirminghamRob Macioce | Sente Mortgage, The WoodlandsJeffrey T. Majewski | CBRE Melody of Texas, LP, HoustonPete Makowiecki | MetLife Home Loans, IrvingMike Manley | Security Service Federal Credit Union, San AntonioRob W. Marr | Comerica Bank, Mortgage Banker Finance, DetroitBernie Martinek | ESB Mortgage Company, EnnisKaren Mastro | Indymac Mortgage Services, a Division of OneWest Bank, PasadenaAllen Maulsby | Colonial National Mortgage, Fort WorthJeff Mayer | BBVA Compass Bank, San AntonioTracy Maynard Cole | Colonial National Mortgage, Fort WorthJanice McClure | Litton Loan Servicing LP, HoustonRon McCord | First Mortgage Home Lendingdba/ Victory Mortgage, Flower MoundMichael O. McCoy | Mission Mortgage of Texas, Inc., AustinLeigh Ann McCoy | Mission Mortgage of Texas, Inc., AustinKathryn McCoy | University Federal Credit Union, AustinMarcus T. McCue | Guardian Mortgage Company, Inc., PlanoDeborah L. McDonald | First Continental Mortgage Company, HoustonDayna D. McElreath | Pioneer Bank, SSB, Dripping SpringsPaulina S. McGrath | Republic State Mortgage, HoustonPatti McKee | ViewPoint Bank, PlanoJames C. McMahan, II | ARK-LA-Tex Financial Services LLC Dba Benchmark Mortgage, PlanoLawrence J. Melody | CBRE Melody of Texas, LP, HoustonDavid Melrose | Dallas Home Loans, Inc., PlanoChristopher H. Meyers | Cornerstone Mortgage Company, HoustonTerri Miles | Mission Mortgage of Texas, Inc., AustinKindra Miller | CitiMortgage, IrvingKevin Miller | TexasLending.Com, DallasKatie Miller | TexasLending.com, DallasChristy Miller | Cendera Funding Inc., Fort WorthKeith Mills | Franklin American Mortgage Company, IrvingRick Mincher | Mission Mortgage of Texas, Inc., AustinJim Minge | Randolph-Brooks Federal Credit Union, Live OakRobert C. Mitchell | Cherry Creek Mortgage Co., Inc., Greenwood VillageTerry Mobly | Colonial National Mortgage, Fort WorthPat Monahan | Indymac Mortgage Services, a Division of OneWest Bank, AustinTom Monroe | Republic State Mortgage, DallasJodie Morgan | CitiMortgage, CoppellBruce Morris | Residential Credit Solutions, Inc., Fort WorthJ. David Motley, CMB | Colonial National Mortgage, Fort WorthGeorge A. Mountcastle | Iberiabank Mortgage Company, BedfordJames A. Nastars | University Federal Credit Union, AustinRebecca Nickolson | HNB Mortgage, Marble FallsDiane Nish | Bank of America Mortgage, PlanoW. Scott Norman | MetLife Reverse Mortgage, AustinCarol Norton | Indymac Mortgage Services, a Division of OneWest Bank, AustinKelly O’Bannon | Residential Credit Solutions, Inc., Fort WorthGene O’Bannon, CMB | ProDovis Mortgage, LLC., ArlingtonRobert D. O’Reilly | MetLife Home Loans, AustinJohn Olinski | Indymac Mortgage Services, a Division of OneWest Bank, Pasadena

currentTMBA MEMBERSregular members





Thomas Orr | Network Funding LP, HoustonChad Overhauser | AmeriPro Funding Inc, AustinLaura Owings | ProDovis Mortgage, LLC., ArlingtonJim Palmer | SWBC Mortgage Corporation, AustinJim Parks | ViewPoint Bank, PlanoJohn Parres | Indymac Mortgage Services, a Division of OneWest Bank, AustinZachry Parrott | Bank of America Mortgage, PlanoAndy Perlman | First Continental Mortgage Company, HoustonKathleen Pfeiffer | Security Service Federal Credit Union, San AntonioMarcia F. Phillips | Guardian Mortgage Company, Inc., RichardsonJulie Piepho | Cornerstone Mortgage Company, HoustonMary Pirrello, AMP | Southwest Securities, FSB, ArlingtonCraig Pizer | DHI Mortgage, AustinAdam Pongrass | WR Starkey Mortgage, LLC, PlanoMichael Porter | MetLife Home Loans, IrvingRobert Power | Bank of America Mortgage, PlanoRandy Present | DHI Mortgage, AustinCorinna Pryor | Indymac Mortgage Services, a Division of OneWest Bank, AustinTammy Pullen | Cornerstone Mortgage Company, HoustonMaria Quinones | Envoy Mortgage, HoustonSharon E. Randle | Amegy Mortgage Company, LLC, The WoodlandsMark Raskin | PrimeLending, DallasOwen Raun | RMC Vanguard Mortgage Corporation, HoustonKimberly Redd | Indymac Mortgage Services, a Division of OneWest Bank, AustinMark Reed | New South Federal Savings Bank, KilleenRonald E. Reese | NorthMarq Capital, DallasMary Reynolds | Alethes, LLC, AustinTom Rhodes | Sente Mortgage, AustinEddie Rinehart | Treaty Oak Mortage, AustinVon L. Ringger | Comerica Bank, Mortgage Banker Finance, DetroitBrandi Ripple | Alethes, LLC, AustinBill J. Roberson | SWBC Mortgage Corporation, San AntonioLaurie Roberts | University Federal Credit Union, AustinJeff Roberts | Litton Loan Servicing LP, HoustonDawn Robinson | PrimeLending, DallasPamela Robinson | Texas Capital Bank, N.A., DallasDavid Rockaway | FixFunding, LLC, DallasRon Rogers | PrimeWest Mortgage Corporation, LubbockMark Rogers | Residential Credit Solutions, Inc., Fort WorthShane Ross | Litton Loan Servicing LP, HoustonKay Roubadeaux | SFMC, LP, RichardsonTodd Salmans | PrimeLending, DallasSandra Samaniego | Rocky Mountain Mortgage Company, El PasoCody Sanderlin | First Continental Mortgage Company, HoustonNoll E. Saunders | Southwest Funding, L. P., FriscoJoy Savage | Affiliated Mortgage, San MarcosPamela Scheuerle | TexasLending.com, DallasJeff Schmidt | SWBC Mortgage Corporation, ArlingtonCraig Schrank | Willow Bend Mortgage, PlanoLynda Schultz | SWBC Mortgage Corporation, San AntonioStephanie Sealey | Comerica Bank, Mortgage Banker Finance, DallasBarb Sedall | Indymac Mortgage Services, a Division of OneWest Bank, AustinJohn Segrest | Kleberg Bank Mortgage Center, Corpus ChristiEddie Self | Patriot Bank Mortgage, DallasScott Sewell | Hometrust Mortgage Co., HoustonKay Shelley | Omni American Bank, Fort WorthMark Short | Guaranty Bank, DallasJosh Sigman | Legacy Mutual Mortgage/Gardner Financial Services LTD, San AntonioMark R. Sims | Colonial National Mortgage, Fort WorthMatthew Skoglund | Bank of America Mortgage, PlanoRuss Smith | Bank of America Mortgage, PlanoSteve Smith | Bank of America Mortgage, PlanoChuck Smith | San Antonio Federal Credit Union, San AntonioDanny L. Smith | Alethes, LLC, AustinSuzanne Smith | HNB Mortgage, MidlandPam Smithey | Chase Home Finance, DallasDoug Snyder | Chase Home Finance, AustinWilliam R. Starkey, Jr. | WR Starkey Mortgage, LLC, PlanoSusan T. Stewart | SWBC Mortgage Corporation, San AntonioS. Van Stewart | SWBC Mortgage Corporation, San Antonio

Ken Stiles | Premier Capital Lending, ArlingtonDebbie Stiles | Premier Capital Lending, ArlingtonJenny Stilwell | Guaranty Bank, DallasBrian Stoffers, CMB | CBRE Melody of Texas, LP, HoustonDennis Stowe | Residential Credit Solutions, Inc., Fort WorthPaul M. Stranz | Bank of America - Southwest Region, DallasJohn Svetina | Bank of America Mortgage, PlanoDouglas P. Sweet | Guardian Mortgage Company, Inc., RichardsonGregory J. Sweet | Guardian Mortgage Company, Inc., RichardsonJack D. Sweet | Guardian Mortgage Company, Inc., RichardsonThomas Tallent | Colonial National Mortgage, Fort WorthLesa Taylor | 1st Advantage Mortgage, L.L.C., ArlingtonGerald R. Taylor | Bankers Financial Mortgage Group, DallasRich Taylor | Patriot Bank Mortgage, HoustonLeigh Taylor | Amherst Funding Group, LP, AustinScott Taylor | GenEquity Mortgage, Inc., IrvingAndrew Taylor | Franklin American Mortgage Company, IrvingDavid Thompson | Dallas Home Loans, Inc., PlanoD. Richard Thompson | Envoy Mortgage, HoustonHenry Tinajero | Bank of the West, El PasoDean Todd | Cherry Creek Mortgage, The WoodlandsRobert Tompkins | Litton Loan Servicing LP, HoustonManuel Valdes | Chase Home Finance, San AntonioJim Van Steenhouse | Interlinc Mortgage, Inc., ConroeCraig M. Vecchiola | Colonial National Mortgage, Fort WorthArmando Velazquez | Bank of America Mortgage, Fort WorthPaul Vincent | RMC Vanguard Mortgage Corporation, HoustonBart Vincent | Indymac Mortgage Services, a Division of OneWest Bank, AustinChris Viviano | Houston Capital Mortgage, HoustonPatricia Wagner | DHI Mortgage, AustinRobert H. Wagnon | Republic State Mortgage, HoustonJulie Walker | PrimeLending, DallasKimberly Ward | Hancock Mortgage Partners, LLC, Sugar LandJoe Ware | SWBC Mortgage Corporation, San AntonioJohn Watson | Sente Mortgage, HoustonLance P. Welch | Sage Capital, BoerneFelicia Wells | Bank of America Mortgage, RichardsonRob G. Wiggins | Patriot Bank Mortgage, HoustonVictor Williams | Randolph-Brooks Federal Credit Union, Live OakMark Williamson | Guaranty Bank, DallasBill Wills | Bank of America Mortgage, Marcia Wilson | Colonial National Mortgage, Fort WorthMark Winter | DHI Mortgage, AustinRichard Woodruff | Alethes, LLC, AustinTrey Worley | Comerica Bank, Mortgage Banker Finance, DallasJohn Wren | New South Federal Savings Bank, HoustonIan Wright, AMP | IMW Consulting, LLC., DallasDon Yount | Southwest Funding, L. P., DallasRobert Zearfoss | Randolph-Brooks Federal Credit Union, Live OakShirley Rhea Zimmerman, CMB | Amarillo National Bank, AmarilloDavid Zugheri, CMB | Envoy Mortgage, Houston

as of 10/6/2009

currentTMBA MEMBERS regular members



19

currentTMBA MEMBERS affiliate membersJohn G. Aldridge, Jr. | McCalla Raymer, LLP, AtlantaWendy Bennetts | Mortgage Builder Software, Wake ForestCindy Bonewitz | Interthinx, Fort WorthVickie Brouse | Ken Hughes & Associates, PC, Flower MoundBrad Burney | Taylor, Bean and Whitaker, Little RockCraig Doyle | Doyle Legal Corporation, P.C., IndianapolisJohn Ducan | McCalla Raymer, LLP, San DiegoRobert Fuchs | SMH Capital, HoustonAnn Fulmer | Interthinx, TuckerDavid W. Green | The Stonehill Group, Inc., AtlantaThomas Harwell | Fiserv Lending Solutions, South BendKelli Himebaugh | Mortgage Builder Software, PhoenixAmber Hoffman | Potestivo & Associates, P.C., Rochester HillsKen Hughes | Ken Hughes & Associates, PC, Flower MoundTimothy W. Liston | Associated Software Consultants, Inc., Middlebrg HtsJohn C. Martin | Lone Star Title Company of El Paso, El PasoBill Mitchell | Mortgage Builder Software, JupiterKim Motsinger | Kroll Factual Data, LovelandBenjamin Paden | Doyle Legal Corporation, P.C., IndianapolisBrian Potestivo | Potestivo & Associates, P.C., Rochester HillsWilliam Sias | SMH Capital, HoustonKeven Smith | Mortgage Builder Software, SouthfieldDiane Snodgrass | Kroll Factual Data, LovelandStanley M. Street | Street Resource Group, Inc., AtlantaAngela Veda | Potestivo & Associates, P.C., Rochester HillsBill Wooten | MCT Trading, Argyle

as of 10/6/2009

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[email protected]





currentTMBA MEMBERS associate membersEdward Abbott | Freddie Mac, CarrolltonTama Adair-Williamson | Broadcast Marketing & Entertainment LLC, AustinJ. Alton Alsup | Brown, Fowler & Alsup, HoustonEverett L. Anschutz, Jr. | Robertson | Anschutz, HoustonPaul Anselmo | Signia Docs, Inc., ProsperJim F. Avant | Devlin & Pignuolo, PC, HoustonC. Donald Babers | U.S. Department of Housing & Urban Development, Ft WorthKeith Baker | North Lake College, IrvingGregory A. Balcom | Balcom Law Firm, P.C., HoustonMichael J. Barber, Jr. | TravisWolff Advisors & Accountants, DallasRosemary E. Barbour | Beadles, Newman & Lawler, PC, DallasRichard J. Barnes | Phoenix Capital, Inc., DenverNicholas Barrett | Nicholas Barrett & Associates, East ProvidenceTodd Barton | Fannie Mae, DallasTommy Bastian | Barrett Daffin Frappier Turner & Engel, LLP, AddisonBlane L. Bauch | ServiceLink, CoraopolisJohn F. Beadles | Beadles, Newman & Lawler, PC, Ft WorthDudley D. Beadles | Beadles, Newman & Lawler, PC, Ft WorthJay G. Beitel | Polunsky & Beitel, LLP, San AntonioThomas E. Black, Jr., CMB | Black, Mann & Graham, LLP, Flower MoundRhiannon Bolen | PMI Mortgage Insurance Co., McKinneyHilary B. Bonial | Brice, Vander Linden & Wernick, PC, DallasRhonda Bowens | Fannie Mae, DallasToni Bramley | MSI, McKinneyLindsay Bridges | Mortgage Banking Solutions, AustinSam J. Brown | Brown, Fowler & Alsup, HoustonMike Brubaker | Brubaker & Associates, HoustonJudi Brubaker | Brubaker & Associates, HoustonJack Bryant | MSI, N Richland HillsLarry J. Buckley | Brice, Vander Linden & Wernick, PC, DallasAngela Bujnoch | Republic Mortgage Insurance Company, HuttoScott Calhoun | Freddie Mac, CarrolltonRon Canady | Brubaker & Associates, HoustonValerie Canon | Optimal Blue, PlanoPam Carpenter | First Community Mortgage, KilleenMichael A. Carroll | Mortgage Guaranty Insurance Corporation, AustinTerry L. Carter | Lawyers Title Insurance Corp, DallasJeff Charbonneau | Gregg & Valby, LLP, HoustonChris Christensen | PeirsonPatterson, LLP, DallasJim Coates | Tritter & Associates, PLLC, HoustonLisa Cockrell | Codilis & Stawiarski, PC, HoustonAmy J. Coke | Polunsky & Beitel, LLP, DallasTara Cormier | Outsource Solutions, LLC, CarrolltonCasey Cornett | Lender Processing Services, Inc., HoustonClay A. Cornett | Lender Processing Services, Inc., RiversideClint Cornett | Appraisers Direct, Inc., Flower MoundDerek Darby | Shanks Darby, P.C., HoustonLaura S. Dees | TravisWolff Advisors & Accountants, DallasJim DeLoach | Butler & Hosch, P.A., DallasMary Beth Devlin | Devlin & Pignuolo, PC, HoustonMark G. Dotzour | Real Estate Center - Texas A&M, College StationShelley Douglass | Barrett Daffin Frappier Turner & Engel, LLP, AddisonVictor Draper | ProVest, LLC, GarlandAndrew Dubinsky | Encomia, LP, HoustonDavid F. Dulock | Black, Mann & Graham, LLP, HoustonAndrea Elliott | Mortgage Alternatives, DallasSteve Farrell | Old Republic Default Management Service, OrangeMichael Farris | PeirsonPatterson, LLP, DallasKathy Feeney | The National Firm, CarrolltonGarth Fenegan | SettlePou, DallasJamie Fertsch | Frost National Bank, AustinBarbara Fisher | Shanks Darby, P.C., HoustonJohn Fleming | Hays and Owens L.L.P., AustinRobert Forster | Barrett Daffin Frappier Turner & Engel, LLP, AddisonRobert K. Fowler | Brown, Fowler & Alsup, HoustonRobert F. Frappier | Barrett Daffin Frappier Turner & Engel, LLP, AddisonJay Frappier | Barrett Daffin Frappier Turner & Engel, LLP, AddisonRuth Garner | Robertson | Anschutz, HoustonTroy Garris | Weiner, Brodsky, Sidman & Kider, PC, Washington

Jennifer Gerlich | Gregg & Valby, LLP, HoustonJoanne Gierspeck | Mortgage Alternatives, HoustonSheree Gilbert | Republic Mortgage Insurance Corp., HoustonR. Scott Gillen, CMB | Stewart Lender Services, HoustonRandy Gilster | First American Corporation, WestlakeLauren S. Glass | Southside Bank, TylerGregory S. Graham | Black, Mann & Graham, LLP, DallasLesley Griggs | Texas Veterans Land Board, AustinL. Marc Grosz, III | Grosz & Associates, P.C., HoustonSuzanne Guerrero | Texas Veterans Land Board, AustinJ. Kevin Gugenheim | ServiceLink, AliquippaKittie Gugenheim | Mortgage Guaranty Insurance Corporation, HoustonMatthew Haddock | Matt Haddock, PLLC, DallasSheila Hair | Ruth Ruhl, PC - Attorney At Law, RockwallMarty Halseth | AIG United Guaranty Residential Insurance Company, AustinChip Halsey | Freddie Mac, Mc LeanKenneth K. Hargis | Venture Encoding Service, Inc., Ft WorthMiles Harper | Gainer, Donnelly & Desrouches, L.L.P., HoustonTimothy J. Harvard | Bishop, Payne, Harvard & Kaitcer, LLP, Ft WorthTodd Hedgcoth | Cave Canem Consulting, Inc., BedfordMichael T. Hernandez | Fannie Mae, DallasEarl Hersh | Gainer, Donnelly & Desrouches, L.L.P., HoustonLawrence Huff | Optimal Blue, PlanoThomas Iddings | Nicholas Barrett & Associates, East ProvidenceMichael D. Irwin | Frost National Bank, AustinAdam Isbell | Republic Mortgage Insurance Company, Ft WorthBill James | Lawyers Title Insurance Corp, DallasKen Johnson, CAP, CMC | Genworth Mortgage Insurance, PlanoBarry D. Johnson | SettlePou, DallasKevin Johnston | Gregg & Valby, LLP, HoustonMelanie Jones | EMortgage Logic, LLC, Ft WorthMichael D. Kaitcer | Bishop, Payne, Harvard & Kaitcer, LLP, Ft WorthKristopher S. Keith | Devlin & Pignuolo, PC, HoustonKyle Keller | Outsource Solutions, LLC, CarrolltonBeverly Kerbow | PMI Mortgage Insurance Co., Lago VistaMaureen Kersey | Barrett Daffin Frappier Turner & Engel, LLP, AddisonMitch Kider | Weiner, Brodsky, Sidman & Kider, PC, WashingtonLynda Kirkman | Radian Guaranty, Inc., CarrolltonCharles E. Klein | Mortgage Banking Solutions, WoodwayRead Koury | Grosz & Associates, P.C., HoustonCharles E. Kramer | Hunter & Kramer, PC, DallasLaura C. LaRaia | Middleberg Riddle & Gianna, DallasMichael P. Lau, CMB | Phoenix Capital, Inc., DenverDon W. Ledbetter | Don W. Ledbetter, PLLC, DallasE. D. Lester | Stewart Lender Services, HoustonCandy Lewis | AIG United Guaranty Residential Insurance Company, HoustonMichael Lima | Fannie Mae, DallasH. Clifford Long | Primus Services Group LLC, CoppellChris Long | Primus Services Group LLC, CoppellAnn Lopes | Nicholas Barrett & Associates, East ProvidenceDonald C. Lossman | Republic Mortgage Insurance Company, KingwoodJoe M. Lozano, Jr. | Brice, Vander Linden & Wernick, PC, DallasDavid L. Lykken | Mortgage Banking Solutions, Marble FallsKeller Mackie | Mackie Wolf & Zientz, P.C., DallasMarshall Mahurin | McGlinchey Stafford and Youngblood & Associates, LLP, DallasGary Maler | Real Estate Center - Texas A&M, College StationCalvin C. Mann, Jr. | Black, Mann & Graham, LLP, HoustonHeather Marchlinski | Devlin & Pignuolo, PC, HoustonAndrew Marsanick | Sollen Technologies, DallasKarla Martinet | Radian Guaranty, Inc., the ColonyJeff Mason | Mortgage Alternatives, HoustonStephen Massien | ServiceLink, AliquippaDavid A. McDougald | Grosz & Associates, P.C., HoustonMichael McFarland | Houston Capital Mortgage, HoustonJames McGurk | PCV Murcor, CoppellRalph McKee | Venture Encoding Service, Inc., Ft WorthRosemary McMullen | Venture Encoding Service, Inc., Ft WorthMickey P. McShan | AIG United Guaranty Residential Insurance Company, GarlandMike Mercer | Genworth Mortgage Insurance, Frisco



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currentTMBA MEMBERS associate membersCharlotte Meyer | Robertson | Anschutz, HoustonMichael D. Minnis | Platinum Title Partners, HoustonCarla Moore | PMI Mortgage Insurance Co., TomballAngie J. Moss | TravisWolff Advisors & Accountants, DallasRobert T. Mowrey | Locke Lord Bissell& Liddell Llp, DallasPhyllis Mueller | TAXease Funding, LP, DallasVicki Murphy | McGlinchey Stafford and Youngblood & Associates, LLP, DallasJason Nadeau | Stewart Lender Services, HoustonJanice Nakano | Weltman Weinberg & Reis Co., L.P.A., CincinnatiChad Neel | Lender Processing Services, Inc., WestminsterKaren M. Neeley | Cox Smith Matthews Inc., AustinMichael Neiman | PMI Mortgage Insurance Co., HinsdaleLorrie Newby | First American Real Estate Information Services, WestlakeCharles Newman | Beadles, Newman & Lawler, PC, Ft WorthJoni Neyland | Outsource Solutions, LLC, CarrolltonCarl Niendorff | Mackie Wolf & Zientz, P.C., DallasJann Okerlund | The National Firm, CarrolltonPamela Ormsby-Ripley | Radian Guaranty, The WoodlandsJay D. Owens | Don W. Ledbetter, PLLC, DallasLyman R. Paden | Locke Lord Bissell & Liddell LLP, HoustonMichael Patterson | PeirsonPatterson, LLP, ArlingtonChris A. Peirson | PeirsonPatterson, LLP, DallasMike Pelitere | Republic Mortgage Insurance Company, New OrleansCharles J. Pignuolo | Devlin & Pignuolo, PC, HoustonMelissa Plaisance | Republic Mortgage Insurance Company, CypressAaron C. Polasek | Brown, Fowler & Alsup, HoustonLauren R. Polunsky | Polunsky & Beitel, LLP, San AntonioAllan B. Polunsky | Polunsky & Beitel, LLP, San AntonioAnita Prestidge Knapp | Beadles, Newman & Lawler, PC, Ft WorthKristian Quinn | Radian Guaranty, Inc., DallasJeff Raich | Mortgage Guaranty Insurance Corporation, McKinneyTroy G. Rampy | AIG United Guaranty Residential Insurance Company, BedfordMason Rees | Sollen Technologies, DallasMary Ann Regan | Brubaker & Associates, HoustonGlen Rieke | Gregg & Valby, LLP, HoustonJames L. Robertson | Robertson | Anschutz, HoustonJames W. Robertson | Locke Lord Bissell & Liddell LLP, HoustonLinda S. Rollins | Black, Mann & Graham, LLP, Flower MoundTerry Ross | Barrett Daffin Frappier Turner & Engel, LLP, AddisonRuth Ruhl | Ruth Ruhl, PC - Attorney At Law, RockwallJohn Ruhl | Ruth Ruhl, PC - Attorney At Law, RockwallDebbie Scaglione | Gregg & Valby, LLP, HoustonJohn Schawe | Frost National Bank, AustinAndrew J. Schell, CMB, CPA | Mortgage Banking Solutions, AustinRobert A. Schlanger | Platinum Title Partners, HoustonMichael J. Schroeder | Michael J. Schroeder, PC, CarrolltonClaudia Schubert | North American Title Co, DallasBob Schultz | Venture Encoding Service, Inc., Ft WorthSteve Scott | Lawyers Title Company, IrvineVicki Sears | Beadles, Newman & Lawler, PC, Ft WorthRalph Sells | EMortgage Logic, Ft WorthRob Shands | Frost National Bank, AustinLois Shanks | Shanks Darby, P.C., HoustonGeorge M. Shanks, Jr. | Shanks Darby, P.C., HoustonWanda Sheppard | Fannie Mae, DallasBill Sherakas | First American Corporation, AustinJanice Shugart | Mortgage Alternatives, HoustonJ. Allen Smith | SettlePou, DallasDayna Smith | Appraisers Direct, Inc., Flower MoundMichelle Smith | PeirsonPatterson, LLP, DallasJames Smith | Lawyers Title Company, IrvineTeresa Snow | Gainer, Donnelly & Desrouches, L.L.P., HoustonRichard J. Sowan | TravisWolff Advisors & Accountants, DallasMary M. Speidel | Codilis & Stawiarski, PC, HoustonMichael J. Spoor | M. J. Spoor & Company, HoustonEdward J. Stankunas, CMB | North Lake College, IrvingJennifer Swearingen | PeirsonPatterson, LLP, ArlingtonRosemary Taft-Milby | Weltman Weinberg & Reis Co., L.P.A., CincinnatiTamara Tapman | Texas Veterans Land Board, San Antonio

Carolyn A. Taylor | Hughes, Watters & Askanase, LLP, HoustonLarry E. Temple | Law Offices of Larry E. Temple, AustinDonna Thompson | Old Republic Default Management Service, OrangeBarry Toney | Lawyers Title Insurance Corp, DallasMark Torabi | Barrett Daffin Frappier Turner & Engel, LLP, AddisonDonald Townsley | Triad Guaranty Insurance, DallasLiberty Tribe | Polunsky & Beitel, LLP, DallasRichard Triplett, CMB | Gregg & Valby, LLP, HoustonDavid M. Tritter | Tritter & Associates, PLLC, HoustonThomas R. Turet | Polunsky & Beitel, LLP, DallasScott R. Valby | Gregg & Valby, LLP, HoustonJeroen Van Cauwelaert | Sollen Technologies, DallasMichel Van Hee | Sollen Technologies, LLC, DallasLance Vander Linden | Brice, Vander Linden & Wernick, PC, DallasDominique M. Varner | Hughes, Watters & Askanase, LLP, HoustonBilly F. Vaughn | Lawyers Title Insurance Corporation, DallasFrank Veneziano | Weltman Weinberg & Reis Co., L.P.A., CincinnatiThomas F. Vetters, II | Robertson | Anschutz, AustinMichael Waldron | Weiner, Brodsky, Sidman & Kider, PC, WashingtonRuss Watts | First American Corporation, WestlakeAshley Wenmohs | Mortgage Guaranty Insurance Corporation, HoustonMax A. Wernick | Brice, Vander Linden & Wernick, PC, DallasCharles White | Mortgage Guaranty Insurance Corporation, DallasAmy White | Fannie Mae, DallasTara Williams | Stewart Lender Services, HoustonMarsha L. Williams | Middleberg Riddle & Gianna, DallasRob Withers | Optimal Blue, PlanoBrandon Wolf | Mackie Wolf & Zientz, P.C., DallasLawrence A. Young | Hughes, Watters & Askanase, LLP, HoustonEldon L. Youngblood | McGlinchey Stafford and Youngblood & Associates, LLP, DallasTom Yoxall | Locke Lord Bissell & Liddell LLP, DallasFred Zakula | ProVest LLC, ElmhurstMichael Zientz | Mackie Wolf & Zientz, P.C., Dallas

as of 10/6/2009





Documents

September | October 2009 Volume XVII Issue V B. Litton, Jr., Houston Rob Macioce, ... JW Marriott San Antonio Hill Country San Antonio, Texas ... Net Revenue VS Retail Branch Models: