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2022 Annual Meeting & Expo

November 1 - November 3


Thank you to everyone who attended the Annual Meeting & Expo.

Registered attendees can access copies of the PowerPoint slides by following the directions below. Links to the audio recordings will be added at a later date.

Accessing Session Recordings and Slides

  • Login to NRMLAonline.org with your username and password
  • Once you’re logged in, come back to this page and look for the Documents tab located at the top of this page next to the Registration Fees tab
  • Once you click the Documents tab, the session slides will be displayed in the same order they were presented in the agenda.

If you need assistance, please email Darryl Hicks, VP,, Communications, at dhicks@dworbell.com.

 

Show Full Agenda

Tuesday, November 1

Time Description
12:00pm

Registration Desk Open (Prefunction Space)

The registration desk will be open in the Prefunction Space from 12:00 pm to 6:30 pm.

1:00pm

Exhibit Hall Hours (Prefunction Space)

The Exhibit Hall will be open to all attendees from 1:00 pm to 6:30 pm in the Prefunction Space.

2:00pm

The Connection Between Social Security Optimization & Reverse Mortgages (Grand Ballroom Breakout 1)

Learn how reverse mortgages can bridge the gap to optimize your Client’s Social Security. This will include case studies and examples of interesting and complex Social Security cases and taking a holistic approach in helping your clients optimize their benefits.

Introductions by Jim Cory, Cherry Creek Mortgage, San Diego, CA

Presenter:

  • Thomas Drapala, National Association of Registered Social Security Analysts, Wantagh, NY

Approved for 1 CRMP Credit

 

 

Bio for Thomas Drapala

Thomas Drapala, RSSA is a Senior RSSA and relationship manager at the National Association of Registered Social Security Analysts and is a self-described Social Security geek. Tom is passionate about helping people live better and more profitable retirements by helping them maximize their Social Security benefits in conjunction with the financial service firms and the advisor networks that he supports. Tom is highly in demand as a speaker and loves working with and presenting to both advisors as well as their clients. Tom has a Masters in Financial Management from LIU Post and lives on Long Island with his wife and two young children.

3:15pm

Home Equity and Silver Divorce: Solutions and Partnership Opportunities (Grand Ballroom Breakout 1)

Using home equity to provide solutions for people entering or in retirement is essential to share with referral partners. Providing understandable education is a win-win solution especially with the increase of older adults divorcing. This interactive presentation will remind you of the growing need to help divorce attorneys with solutions to their clients’ housing and financial needs.  

 Presenter: 

  • Susan Haviland, CRMP, National Sales Trainer-Wholesale Division, Finance of America Reverse LLC, Marco Island, FL 

Approved for 1 CRMP Credit

 

 

Bio for Sue Haviland

Sue Haviland joined Finance of America Reverse LLC as National Sales Trainer-Wholesale Division in December 2020. Her background includes nearly 35 years in the mortgage business, the last 19 of which were focused on the reverse space. Sue is a Certified Reverse Mortgage Professional and has been an originator, trainer, speaker, author, and even hosted her own radio show, “Senior Spotlight with Sue Haviland,” which covered a wide variety of topics of interest to seniors. She founded Reverse Mortgage Success, a training company that trained loan officers who wanted to excel in the reverse space. Sue is President of Step Smart, an all-volunteer non-profit in southwest Florida that educates the public on the importance of fall prevention, the risk factors, and the simple steps they can take to make their home safer.

 

4:30pm

A Dive Into the Appraisal Process & Why it Matters (Grand Ballroom Breakout 1)

As home prices continue to increase and appraisals become more important, reverse lenders are asking themselves where cost savings and efficiencies can be found. In this session, we will cover how reverse lenders can maximize efficiency around appraisal operations by recognizing opportunities for improvement and how it ultimately impacts the borrower experience. Attendees will leave understanding:

  • Hidden costs within the appraisal process
  • Areas where gains in efficiency can be found
  • Future challenges to expect
  • How to choose the right appraisal partner

Presenter: Nick Turansky, National Account Director, Appraisal Logistics, Annapolis, MD

Approved for 1 CRMP Credit

 

 

Bio for Nick Turansky
Nick Turansky is the National Account Director at Appraisal Logistics, leading provider of high-quality appraisal management technology and compliance solutions for the residential mortgage industry. Before joining Appraisal Logistics, Nick served as National Sales Director for LenderX. Prior to his experience on the technology side, he served as Vice-President at Community National Bank and was a Regional Banking Manager for MetLife Bank. He started his career as a Branch Manager/AVP for Roslyn Savings Bank (formerly Roosevelt Savings Bank) and then as Senior Branch Manager for Accredited Home Lenders.

Sponsored by:

5:00pm

Welcome Reception (East West Terrace) *Weather Permitting*

Join us at our Welcome Reception to kick off the conference and have the chance to re-connect with old friends and to make new ones. At the reception, you will be able to enjoy complimentary drinks and light hor d’oeuvres to start your night. 

Sponsored by

Wednesday, November 2

Time Description
7:30am

Registration Desk Open

The registration desk will be open in the Prefunction Space from 7:30 am to 5:30 pm.

7:30am

Exhibit Hall Hours

The Exhibit Hall will be open to all attendees from 7:30 am to 5:30 pm in the Prefunction Space.

7:30am

Breakfast (Buckhead Ballroom)

Breakfast will be served in the Buckhead Ballroom from 7:30 am to 8:30 am.

Sponsored by

8:30am

The Value Proposition in a Rising Rate Environment (Highland 1-3)

Rising interest rates have reduced loan proceeds for borrowers, but a reverse mortgage can still be the best possible option for a secure retirement. If you want to continue closing loans, you need to effectively convey the value proposition to your clients. Two of the industry’s top trainers will share tips on how to do that.

Presenters:  

  • Craig Barnes, Corporate Education Leader, Reverse Mortgage Funding LLC, New Windsor, NY 
  • Jim McMinn, Director of Learning and Development, Longbridge Financial, LLC, Glastonbury, CT

Bio for Craig Barnes

In his role as national training leader, Craig Barnes, CRMP, provides educational services for all RMF associates and business partners. Barnes is a regular speaker at NRMLA events and has been a Certified Reverse Mortgage Professional (CRMP) since 2010. He serves on the Independent Certification Committee, which oversees the CRMP designation, and on NRMLA’s Education Committee. Barnes has been in the reverse space for over 15 years and a trainer for more than 30 years. He is a DDI Certified Master Trainer and holds a BS in Business Education.

Bio for Jim McMinn

Jim McMinn is Sales Training Manager at Longbridge Financial. An industry veteran, Jim brings 25 years’ experience in sales, training, and leadership roles and has worked exclusively in the reverse mortgage industry since 2002. Throughout his career, Jim has worked with several major mortgage lenders including Wells Fargo, MetLife, and most recently, Finance of America Reverse. In his role with Longbridge, Jim specializes in teaching others about all things reverse – the products, the history, the regulations, and his proven sales techniques. He has a passion for building relationships and takes a special sense of pride in coaching Longbridge sales staff and its partners so that clients can improve their cash flow to have a better retirement.

8:30am

Current State of the Secondary Market (Grand Ballroom Breakout 1)

Ginnie Mae’s HECM Mortgage-Backed Securities program provides valuable liquidity for the reverse mortgage industry. Subject matter experts will discuss the the HMBS market and the state of proprietary products. 

Moderator: Mark O’Neil, National Sales Leader, Wholesale and Correspondent, Reverse Mortgage Funding LLC, Harvard, MA

Presenters:  

  • Tim Wilkinson, Longbridge Financial, LLC, Mahwah, NJ 
  • Mike McCully, Partner, New View Advisors, Naples, FL 

Approved for 1 CRMP Credit

 

 

Bio for Mark O’Neil

Mark O’Neil joined Reverse Mortgage Funding as the firm’s first wholesale account executive in 2013. Since 2015, he has run third-party sales for the firm and has overseen growth of the channel, helping RMF become one of the leading investors in the country. Mark has nearly 20 years of combined experience in the reverse mortgage industry, including work in settlement and retail origination. Mark holds BA and BS degrees from the University of Massachusetts, where he graduated Manga Cum Laude, and a JD from Boston College Law School.

Bio for Mike McCully

Michael McCully is a career investment banker with more than 40 years of transaction, investment, and operational experience. New View Advisors provides strategic advisory, product development, credit risk management, and valuation services to the reverse mortgage industry. Mike worked on some of the mortgage industry’s earliest structured cash flow transactions before establishing himself in corporate finance and M&A in the 1990s. In the decade prior to forming New View Advisors in 2008, he led teams of professionals to buy, sell, and operate portfolio companies at Lehman Brothers, including Financial Freedom Senior Funding Corporation, then the nation’s largest reverse mortgage originator and servicer. Mr. McCully received his BA in Economics from Cornell University.

Bio for Tim Wilkinson

Tim Wilkinson, Vice President of Capital Markets and Pricing, has over 15 years of experience in financial markets, primarily in mortgages, with a focus in the reverse segment. He has experience in a variety of roles, ranging from loan trading and portfolio management to operations and systems implementation. Tim was one of the initial participants in the HMBS market and was involved in proprietary reverse mortgage securitization while at Lehman Brothers. Tim has extensive interest rate and credit hedging experience, and at Aurora Bank FSB, was responsible for daily pricing for mortgage origination. During his tenure at Longbridge, Tim was instrumental in obtaining Ginnie Mae HMBS Issuer approval, and since that time Tim has managed the issuance of over $7bn of HMBS pools. Tim has played a key role in Longbridge’s development of proprietary reverse mortgage products, as well as being responsible for pricing across all of Longbridge’s origination channels.

10:00am

Keynote Address: Julia Gordon, Assistant Secretary for Housing/Federal Housing Administration Commissioner (Grand Ballroom 2-3)

Don’t miss this opportunity to hear directly from the nation’s top housing official what her top priorities will be for the HECM program in the coming year and what other critical issues and trends she and her staff are seeing in the marketplace. 

Bio for Julia Gordon

Julia R. Gordon serves as the Assistant Secretary for Housing and Federal Housing Commissioner at the U.S. Department of Housing and Urban Development (HUD). Ms. Gordon was nominated for this role by President Biden and was confirmed by the U.S. Senate on May 12, 2022. Ms. Gordon brings to HUD more than 30 years of experience in housing finance, policy, and advocacy in both the public and private sectors. Throughout her career, Ms. Gordon has been both a strong advocate for and hands-on practitioner working to achieve equal justice, fairness and equity in housing, and consumer protections. As Assistant Secretary for Housing and Federal Housing Commissioner, Ms. Gordon is responsible for HUD’s policies, programs, and operations supporting the nation’s homebuyers, homeowners, renters, and communities. Prior to joining HUD, Ms. Gordon was most recently the President of the National Community Stabilization Trust (NCST) from 2019-2022 and Executive Vice President of NCST from 2015-2019. At NCST, Ms. Gordon was a passionate advocate and leader for housing equality and neighborhood investment, launching multiple new initiatives supporting neighborhood stabilization and affordable housing.
10:45am

Navigating the Current Market and Planning for the Future (Grand Ballroom 2-3)

Entrepreneur and long-time mortgage industry consultant Tim Rood interviews the leading executives and thought leaders in the reverse mortgage business to get their perspectives on the current trajectory of the reverse mortgage industry, NRMLA and within their own companies. 

Host: Tim Rood, Head of Industry Relations, SitusAMC, New York, NY 

Participants:  

  • Joe DeMarkey, Strategic Business Development Leader, Reverse Mortgage Funding LLC, Holliston, MA 
  • Mike Kent, President, PHH Mortgage Corporation dba Liberty Reverse Mortgage, Irvine, CA 
  • Christopher Mayer, CEO, Longbridge Financial, LLC, Mahwah, NJ
  • Ed Robinson, President and Chief Operating Officer, American Advisors Group, Irvine, CA 

Bio for Tim Rood

Tim Rood is Head of Government and Industry Relations for SitusAMC. In his role, Mr. Rood interfaces with policymakers and influencers on matters related to residential, multifamily, and commercial industries. Prior to joining SitusAMC, Mr. Rood served as the Chairman of The Collingwood Group, which he co-founded in 2009. Mr. Rood was also co-founder and managing director of the firm’s predecessor company, Capital Financial Solutions. The Collingwood Group’s primary focus is in the financial services sector, and the firm offers advisory and consultative services combined with access to decision-makers, financial sponsors, corporate boards, and senior industry executives. Mr. Rood brings nearly three decades of mortgage industry and entrepreneurial experience to SitusAMC. He advises organizations to optimize the business opportunities and to mitigate and manage the risks in and around Washington, DC. Mr. Rood is a sought-after and regular contributor to various national media outlets including CNBC, Bloomberg Television, FOX Business News, Washington Post, New York Times, Wall Street Journal, and the American Banker.

Bio for Joe DeMarkey

Joseph DeMarkey is the strategic business development leader of Reverse Mortgage Funding LLC. He is also responsible for government and industry relations. Previously, he was an assistant vice president at MetLife Bank, N.A., where he was responsible for sales management, product development, strategic business development and government and industry relations for the reverse mortgage division beginning in 2008. From 1998 to 2008, DeMarkey was a vice president at EverBank Reverse Mortgage Co. (formerly BNY Mortgage Company) where he managed retail sales and government and industry relations. He has served on NRMLA’s Board of Directors since 2003, was co-chairman from 2007 to 2009 and from 2012 to 2018 and currently serves as chairman of the Executive Committee.

 

Bio for Mike Kent

Michael Kent has served as President of Liberty Reverse Mortgage since April 2015. Before joining Liberty, Kent spent four years at Reverse Mortgage Solutions, Inc. (RMS) where he was President of Loan Originations. In addition to his reverse background, he has over 30 years of “forward” mortgage experience and he has held leadership roles across various lending functions, including sales, operations, and secondary markets. He currently serves as Co-Chairman of the National Reverse Mortgage Lenders Association. Michael was born and raised in Chicago and attended Southern Illinois University, Carbondale. He is active in several non-for-profits working in the areas of homelessness, world hunger and women’s cancer.

 

Bio for Christopher Mayer

Christopher Mayer is co-founder and CEO of Longbridge Financial, LLC, where he has led the growth of the company to a market leader and top-five issuer of HECM Mortgage-Backed Securities. Longbridge has worked with financial services companies to help bring reverse mortgages to a broader audience and introduced its industry-leading Platinum private-label reverse mortgage. The company has also developed a data and research program on reverse mortgages that allows it to identify and examine new opportunities. In his career as a professor, Dr. Mayer is a renowned expert on housing, credit markets, and securitization at Columbia Business School. He serves as the Paul Milstein Professor of Real Estate at Columbia Business School and holds affiliations with Standard & Poor’s, the Urban Institute, and the National Bureau of Economic Research. Dr. Mayer holds a BA in math and economics from the University of Rochester with highest honors and a PhD in economics from MIT.

 

Bio for Ed Robinson

As President and Chief Operating Officer, Ed is responsible for the day-to-day operations of AAG, including management of the P&L and ensuring key initiatives are well resourced and prioritized across the company. Ed joined AAG in 2021 with more than 30 years of combined professional and military leadership experience, most recently serving as COO of Genesis Financial Solutions. Previous roles include Senior Vice President of Real Estate and Mortgage at USAA, Head of Mortgage at Fifth Third Bank, Senior Vice President, Servicing Operations at PHH Corporation, and Vice President of Operations at Genworth US Mortgage Insurance (formerly GE Financial Assurance). Ed earned a Bachelor of Business Administration degree from Temple University and a Master of Business Administration degree from the University of North Carolina at Chapel Hill.

12:00pm

Networking Lunch (Buckhead Ballroom)

Join us for the networking lunch from 12:00 pm to 1:30 pm in Buckhead Ballroom.

Sponsored by

1:30pm

Moving the Needle: Accelerating Sales in Today's Market (Grand Ballroom Breakout 1) (Time subject to change)

In this interactive and engaging session, Steven Sless, Division President, at Primary Residential Mortgage, Inc., and Tabatha Addison, VP, Wholesale Lending at American Advisors Group, will provide a fresh perspective on the evolving borrower continuum and introduce a three-step process to accelerate your sales in our ever changing market.

• Revving your Engines: This session will begin by an overview of the borrower continuum.
• Picking up Speed: How have we as an industry adapted our approach?
• Cruising: We’ll introduce a three-step process to provide the tools to navigate away from selling and into discovery-based conversations.
• Crossing the finish line: What is your call to action?

Introductions: George Morales, Primary Residential Mortgage, Inc., Long Beach, CA

Bio for Tabatha Addison

With a passion for people and over 25 years of experience in Leadership, Sales and Professional Development, Tabatha has traveled the world facilitating, providing coaching and delivering training to a variety of audiences throughout Europe, Asia and North America. Tabatha’s mortgage experience began back in 2003 when she was hired to start up the Wholesale Sales and Leadership division for NovaStar Mortgage. After establishing an industry leading training division which supported 400+ sales professionals, Tabatha was promoted to Regional Vice President of Sales taking over the management of the two top divisions in Southern California. Tabatha joined American Advisors Group in 2013 as part of the Wholesale start up team, creating tailored training and marketing platforms for internal and external clients. In 2015, Tabatha spear headed the Business Development Division for Wholesale lending, and was promoted to VP of Sales in 2018.


Bio for Steven Sless

Steven J. Sless has nearly 20 years of mortgage industry experience, including 16 years devoted to reverse mortgages. He also is one of the only mortgage professionals to have earned the CLTC®: Certified Long-Term Care designation, demonstrating that he also has acquired the critical tools necessary to discuss the subject of longevity and its acute consequences on a client’s family – financially, physically and emotionally – years down the road. Prior to joining Primary Residential Mortgage, Inc. (PRMI) in 2019, he served as a Top Producing Loan Originator for Maverick Funding Corp, Branch Director for Home Point Financial and National Reverse Mortgage Director for US Mortgage Corp. After starting his tenure at PRMI as Division Manager, he opened The Steven J. Sless Group of PRMI, the Company’s first retail branch dealing exclusively with reverse mortgages. In 2021, The Sless Group opened its second branch in California and Steven was promoted to Division President and Reverse Mortgage Leader overseeing all reverse mortgage related activities across the entire organization.

2:30pm

Alternative FUNding Solutions to Safely Age In Place (Highland 1-3)(Time subject to change)

In today’s challenging environment, it’s harder to accomplish our clients’ goals with just a reverse mortgage. With so many threats, we need to look at alternative solutions and opportunities to increase business and serve more seniors. Now is the time to team up with other Aging In Place funding sources. By stacking as many funding solutions as possible, we can accomplish more of our seniors’ goals, even during this difficult time.

Moderator: Melanie Parks, Vice President, National Field Sales, Longbridge Financial, LLC, Bakersfield, CA

Presenters: 

  • Chris Orestis, Founder/President, Retirement Genius, Cumberland County, ME 
  • Carmen Perry, Vice President, National Accounts, Veterans Home Care®, St. Louis, MO 
  • Kelly Rogers, National Sales & Business Development Coach, Longbridge Financial, Sacramento, CA

Bio for Melanie Parks

Melanie Parks has been focusing on helping people attain a more financially secure retirement since 2003. Starting out as a Reverse Mortgage Loan Officer, she directly assisted hundreds of senior homeowners to unlock equity in their homes and secure a less stressful retirement. Through her efforts with homeowners Melanie quickly became the Top Producing Reverse Mortgage Loan Officer in the San Diego market. In 2013, Melanie brought her experience to American Advisors Group as Vice President of National Field Sales where she led the company’s west coast sales presence. After nine years with AAG, Melanie joined Longbridge Financial to launch their new National Field Sales Division as its Vice President. In this role, Melanie continues to build the National Field Sales team and works tirelessly to equip them with resources they need to be successful. She is excited to continue this work with homeowners on a larger scale as she aids her sales teams in the pursuit to demystify reverse mortgages.

Bio for Chris Orestis

Chris Orestis, CSA, President of Retirement Genius, is a nationally recognized financial, health/LTC, and retirement issues expert. He has over 25 years’ experience in the insurance and long-term care industries and is credited with pioneering the Long-Term Care Life Settlement over a decade ago. Known as a political insider and senior issues advocate, Orestis is a former Washington, D.C. lobbyist who has worked in both the White House and for the Senate Majority Leader on Capitol Hill.

 

Bio for Carmen Perry

As Vice President of National Accounts, Carmen develops and supports a nationwide network of home care and other senior care providers for Veterans Home Care’s brands. Carmen is responsible for these valued stakeholder relationships, identifying sales opportunities and developing comprehensive growth strategies for all parties involved. Carmen’s 20+ years of healthcare administration experience spans multiple levels of care from physician practices to renown hospitals and rehabilitation services. Having an extensive consulting background and subject matter expertise in VA Aid and Attendance benefits for older adult care, she’s a well-received speaker, podcast guest and presenter. Carmen serves on the Home Care Association of America’s (HCAOA) Veterans Affairs Committee and serves as a board member for the National Aging In Place Council, (NAIPC) with whom she co-wrote a book on senior care.

 

Bio for Kelly Rogers

Kelly Rogers is a Certified Gerontologist with more than 28 years of experience working with seniors and their families. She has a strong passion to educate and advocate for seniors, and her background in both senior care and financing makes her a perfect fit as the National Sales & Business Development Coach at Longbridge Financial, LLC. As a previous Senior Care Agency owner and co-founder, she uniquely understands the many challenges that agencies and seniors face. This experience has ignited a spark in her to educate people about additional ways to overcome the retirement and senior care crisis. Kelly is passionate about assisting seniors, their families, and care providers through the inclusion of housing wealth in retirement and care planning. This approach allows a higher quality of life, greater caregiver retention, better care for our seniors, and prevents costly and unnecessary hospital re-admittances. Kelly’s drive in life is truly helping seniors and their families understand how they can afford the proper services and care they deserve.

 

2:30pm

What Loan Officers Need to Know About Servicing (Grand Ballroom Breakout 1) (Time Subject to Change)

Servicing is a critical, yet misunderstood, part of the reverse mortgage process. Use this opportunity to better understand servicing policies and timelines, so that you can better inform your clients and their families. 

Panelists: 

  • Gail Balettie, SVP, Borrower Care and HUD & Investor Relations, Celink, Austin, TX
  • Rex Lamb, Manager, Risk Department, Celink, Austin, TX 
  • Ken Frye, PHH Mortgage Services, Argyle, TX

Approved for 1 CRMP Credit

 

 

Bio for Gail Balettie

Gail Balettie is Senior Vice President, Client Satisfaction for Celink. Prior to Celink, she spent 12 years at Financial Freedom Senior Funding Corporation where she initially served as First Vice President, National Production Operations Manager before moving over to servicing in 2011. Her reverse mortgage servicing experience has included leading borrower-facing functions, such as the call center, line of credit draws, payoffs and payment plan changes, as well as end of loan functions, like HUD Claims and Assignments. Balettie has over 25 years of mortgage operations and management experience, including 16 years in the reverse mortgage space. Balettie co-chairs NRMLA’s Servicing Committee and she is also active on the HUD Issues Committee. Balettie attended the University of Texas in Austin, majoring in Business Administration.

Bio for Rex Lamb

Rex Lamb joined Celink in June, 2018, as part of the Financial Freedom acquisition. He and has over 25 years of mortgage operations, compliance, and management experience. Mr. Lamb is responsible for managing the Celink Risk Department which includes Risk Management, Escalations, Quality Control, Vendor Management, and State Licensing. Prior to joining Celink, Mr. Lamb was with Financial Freedom as Director of Late Stage Default including Foreclosure, REO, and Bankruptcy. Prior to joining Financial Freedom, Mr. Lamb held officer titles at Selene Finance and Litton Loan Servicing in Houston, TX. He was responsible for servicing compliance, default operations, and analytics in various positions. Mr. Lamb is an active member of the National Reverse Mortgage Lenders Association.

Bio for Ken Frye
Ken Frye has over 30 years of Financial Services experience, including both forward and reverse loan servicing. In his current role as the Chief Operations Officer for PHH Reverse Servicing, Ken is responsible for all aspects of reverse servicing operations. Prior to joining PHH, Ken held various executive level positions within the mortgage industry, including Executive Vice President of Reverse Servicing for Ditech Mortgage. From 1998 to 2010, Ken was Head of Servicing and Senior Vice President of Wilshire Credit Corporation, a wholly owned subsidiary of Merrill Lynch. Ken started his financial career in Public Accounting focusing on Financial Services, which included roles with Ernst and Young as well as US Bank.
3:45pm

Reverse Mortgages and the Perfect Storm Facing Retirement Income in 2022 (Grand Ballroom 2-3)

As aging homeowners face significant challenges with high inflation and rising interest rates, 2022 presents the perfect storm to use the HECM as a buffer asset when devising portfolio coordination strategies. One of the nation’s top retirement planning experts will discuss these strategies in greater detail.

Presenter:

  • Wade Pfau, PhD, Professor of Retirement Income, The American College of Financial Services, Bryn Mawr, PA

Bio for Wade Pfau
Dr. Pfau is Professor of Retirement Income at The American College of Financial Services, a higher education institution for financial planners. He serves as co-editor of the Journal of Personal Finance. He also hosts the Retirement Researcher blog and is a monthly columnist for Advisor Perspectives, a RetireMentor for MarketWatch, a contributor to Forbes, and an Expert Panelist for The Wall Street Journal. Dr. Pfau’s research has been discussed in outlets that include print editions of The Economist, The New York Times, The Wall Street Journal, and Money Magazine.

4:30pm

NRMLA Reception

After a long day of learning and networking, join us for a light reception in the exhibit hall to wind down until the sponsor dinners and parties begin later that evening. 

Sponsored by

 

Thursday, November 3

Time Description
7:30am

Registration Desk Open (Prefunction Space)

The registration desk will be open in the Prefunction Space from 7:30 am to 12:00 pm

7:30am

Exhibit Hall Hours

The Exhibit Hall will be open to all attendees from 7:30 am to 11:00 am in the Prefunction Space. 

7:30am

Breakfast (Buckhead Ballroom)

Breakfast will be served in Buckhead Ballroom from 7:30 am to 8:30 am

Sponsored by 

8:30am

Cutting Edge Strategies in Sales Productivity: The Practical Applications of Neuroscience to High Performance (Grand Ballroom Breakout 1)

As a brilliant strategy consultant and executive coach, Lon Fuentes will teach you how to manage the four major neuromodulators in your brain that can help increase sales productivity without sacrificing work-life balance. In addition to helping you understand the biological and behavioral foundations of productivity, Lon focuses on creating your own high performance protocols that address strengths optimization, the science of prospecting and managing your personal energy.  

Presenter: Lon Fuentes, The Lon Fuentes Group, Orange, CA 

Bio for Lon Fuentes

Lon Fuentes is a strategy consultant who specializes in helping sales professionals achieve breakthrough productivity. As a certified executive coach, his passion and expertise revolve around practical applications of behavioral and cognitive techniques for personal transformation. He uses proven tools from behavioral science (strengths research, sales call reluctance, motivational mapping, applied neurobiology) in crafting customized, high performance coaching solutions for individuals and sales teams. Lon was the former Chief Administrative Officer of Financial Freedom, where he was responsible for the Office of Strategy Development, Human Resources, Strategic Communications, Training and Development, and Organizational Strategy. He started his career as a management consultant for Ernst and Young, after obtaining his MBA from the Wharton School of the University of Pennsylvania.

9:45am

Social Media Compliance and Best Practices (Highland 1-3)

Social media sites, like LinkedIn and Facebook, can be effective platforms to promote yourself and your reverse mortgage business, but there are rules you must follow. NRMLA’s outside counsel will provide best practices for setting up a social media strategy and policy and following pertinent state and federal regulations. 

Presenters: 

  • Jim Brodsky, Weiner Brodsky Kider PC, Washington, DC
  • Jim Milano, Weiner Brodsky Kider PC, Washington, DC

Approved for 1 CRMP Credit

 

 

Bio for Jim Brodsky
Jim is a founding member of the Weiner Brodsky law firm, who advises clients on strategic business initiatives, federal compliance and regulatory matters, mergers and acquisitions, asset purchases and sales, and secondary mortgage market transactions. As a former HUD Deputy Assistant Secretary, he has deep experience in FHA and Ginnie Mae (as well as Fannie Mae and Freddie Mac) requirements, issues and opportunities, and also is Co-General Counsel of the National Reverse Mortgage Lenders Association. Jim is a Director of Enterprise Community Development, the nation’s sixth largest affordable housing developer and community owner with over a billion dollars of investments in 16,000 homes in 110 communities in the mid-Atlantic.

Bio for Jim Milano

Jim Milano is a member of the law firm of Weiner Brodsky Kider PC, based in Washington DC, where he practices in the areas of mortgage banking, consumer finance, financial institutions and mortgage and secured transactions law. Milano serves as co-general counsel to the National Reverse Mortgage Lenders Association and is nationally recognized as one of the leading lawyers in the area of reverse mortgage law. A significant portion of Milano’s practice focuses on matters involving the marketing, origination and investment in, and servicing of, reverse mortgages.

 

9:45am

Reverse Mortgage Technology: Trends and Opportunities (Grand Ballroom Breakout 1)

NRMLA has invited the reverse mortgage industry’s top technology experts to share their perspectives on recent innovations, and what are the most critical changes that we must make to face the future effectively. 

Moderator: Robert Sivori, Roundpoint Mortgage Servicing Corporation, Franklin Lakes, NJ

Presenters: 

  • Sergey Dyakin, Chief Information Officer, Celink, Scarsdale, New York 
  • Thomas Martignoni, CEO, QuantumReverse, Raleigh, NC 
  • Stephen Ryczek, President, Constellation Mortgage Solutions, Southfield, MI 

Bio for Sergey Dyakin

Sergey Dyakin has extensive experience in managing technology development for mortgage and investment analysis products, as well as a deep expertise in modeling, acquisition, servicing and securitization. Prior to joining Celink, he was the founder of Aldan Group, a consulting company focused on cloud adoption by financial services companies. Dyakin’s involvement in reverse mortgages began at New York-based Fortress Investment Group from 2010 through 2016. During his time there, Dyakin helped Nationstar Mortgage Holdings Inc. create from scratch a leading reverse mortgage servicing business (Champion Mortgage).

Bio for Thomas Martignoni 

Thomas’ expertise is a blend of business and technology. He holds a master’s in computer science from the Swiss Institute of Technology as well as an Executive MBA from UNC. With 40 years of experience in technology companies — 15 years thereof as reverse mortgage technology executive — our industry is in his DNA. Thomas holds multiple patents, including patents on reverse mortgage technologies. Before starting QuantumReverse, he built and sold his old company, ReverseVision.

 

Bio for Stephen Ryczek

Stephen Ryczek is the President of Constellation Mortgage Solutions (CMS), a provider of enterprise mortgage loan origination and servicing technology, where he drives technology initiatives. As President since 2019, he is successfully positioning the company as a leading digital enterprise loan origination and servicing technology for the residential mortgage industry. Stephen also plays a key role with CMS’ parent company – Constellation Software Inc. – with key involvement in new acquisitions that continues to build Constellation’s fintech footprint in the mortgage industry. Under his leadership, he oversees multiple companies and drives cross-functional growth.

11:00am

NRMLA Business Meeting (Grand Ballroom 2-3)

NRMLA members must ratify the Nominating Committee Report and formally elect a new Board of Directors for the 2023 term. NRMLA executives will share updates on the association’s advocacy efforts. 

Panelists: 

  • Peter Bell, CEO, NRMLA, Washington, DC 
  • Joe DeMarkey, Strategic Business Development Leader, Reverse Mortgage Funding LLC, Holliston, MA 
  • Steve Irwin, President, NRMLA, Washington, DC
  • Mike Kent, NRMLA Co-Chair and President, PHH Mortgage Corporation dba Liberty Home Equity Solutions, Irvine, CA 
  • Scott Norman, NRMLA Co-Chair and VP, Field Retail, Finance of America Reverse LLC, Austin, TX 

Bio for Peter Bell

Peter Bell is the founder and CEO of the National Reverse Mortgage Lenders Association. He has a 45-year background as a housing policy analyst and advocate in Washington, DC. In addition to his work on reverse mortgages and retirement finance issues, he is a nationally recognized authority on affordable housing development and finance issues and is frequently called upon to testify before Congress or advise federal agencies on housing matters. In addition to NRMLA, Bell also serves as the CEO of two other national trade associations, National Aging in Place Council and the National Housing & Rehabilitation Association.

Bio for Joe DeMarkey

Joseph DeMarkey is the strategic business development leader of Reverse Mortgage Funding LLC. He is also responsible for government and industry relations. Previously, he was an assistant vice president at MetLife Bank, N.A., where he was responsible for sales management, product development, strategic business development and government and industry relations for the reverse mortgage division beginning in 2008. From 1998 to 2008, DeMarkey was a vice president at EverBank Reverse Mortgage Co. (formerly BNY Mortgage Company) where he managed retail sales and government and industry relations. He has served on NRMLA’s Board of Directors since 2003, was co-chairman from 2007 to 2009 and from 2012 to 2018 and currently serves as chairman of the Executive Committee.

Bio for Steve Irwin

As president of NRMLA, Steve Irwin oversees the association’s initiatives to serve as an educational resource, policy advocate and public affairs center for consumers, lenders and related professionals. His background includes experience with strategic planning, organizational design, portfolio acquisition, risk management and quality control. He received his B.A. from Grinnell College and his MBA from the University of San Francisco.

 

Bio for Mike Kent

Michael Kent has served as President of Liberty Reverse Mortgage since April 2015. Before joining Liberty, Kent spent four years at Reverse Mortgage Solutions, Inc. (RMS) where he was President of Loan Originations. In addition to his reverse background, he has over 30 years of “forward” mortgage experience and he has held leadership roles across various lending functions, including sales, operations, and secondary markets. He currently serves as Co-Chairman of the National Reverse Mortgage Lenders Association. Michael was born and raised in Chicago and attended Southern Illinois University, Carbondale. He is active in several non-for-profits working in the areas of homelessness, world hunger and women’s cancer.

Bio for Scott Norman

A 27-year mortgage banker, Scott Norman led the original campaign to amend the Texas Constitution to authorize reverse mortgages in the state in 1999, when he founded the Texas Association of Reverse Mortgage Lenders. He later closed the very first reverse mortgage loan in Texas. Norman has also testified numerous times before the legislatures of California, Arkansas and Minnesota to help craft legislation to protect senior homeowners around the country. He got his start in the mortgage business in Austin in 1993, later becoming President of the Austin Mortgage Bankers Association. Norman is currently the vice president of Field Retail and Government Relations for Finance of America Reverse and he serves as Co-Chairman of NRMLA’s Board of Directors for the 2021-2022 term.

11:30am

Reverse Mortgages: Observations From Legal Services Attorneys (Grand Ballroom 2-3)

The National Consumer Law Center is at the forefront of protecting reverse mortgage borrowers who are at risk of losing their homes. NRMLA has worked closely with NCLC over the years to improve the servicing process and in 2022 to ensure the federal Housing Assistance Program is operating efficiently to help reverse mortgage borrowers. We have invited representatives of NCLC to discuss these important efforts. 

Presenter: 

  • Sarah Bolling Mancini, Staff Attorney, National Consumer Law Center, Boston, MA 

Bio for Sarah Bolling Mancini

Sarah Bolling Mancini is a Staff Attorney with the National Consumer Law Center. Sarah graduated from Harvard Law School in 2007 and received a Skadden Fellowship for public interest work. For more than a decade she represented low-income homeowners as an attorney with the Home Defense Program of the Atlanta Legal Aid Society, Inc.  She clerked for the Honorable Amy Totenberg, U.S. District Court for the Northern District of Georgia.  Sarah has litigated on behalf of vulnerable homeowners facing predatory mortgage lending practices and the threat of foreclosure in state court, federal court, and bankruptcy court.  She now focuses on research, analysis, trainings, and policy advocacy related to foreclosures, mortgage servicing, home scams, and equitable access to the mortgage market. Sarah is a co-author of Georgia Real Estate Finance and Foreclosure LawCollier on Bankruptcy, and NCLC’s Mortgage LendingForeclosures and Mortgage Servicing, Fair Credit Reporting, and Truth in Lending treatises.

12:00pm

Conference Concludes

12:30pm

Board of Directors Meeting (The Library-Lobby Level)(Closed Session)

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