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NRMLA 2022 Western Regional Meeting

May 23 @ 1:00 pm - May 24 @ 3:00 pm

Thank you to everyone who attended this week’s Western Regional Meeting in Irvine, CA. Almost 220 professionals from 87 companies across 21 states participated.

Registered attendees can access copies of the PowerPoint slides by visiting the Western Regional Meeting landing page and logging into the web site with your username and password. 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

Monday, May 23

Time Description
11:00am

Registration Desk Open

The registration desk will be open from 11:00 am to 5:00 pm. in the James Ballroom Foyer.

9:00am

NRMLA Board of Directors Meeting (Closed session)

11:30am

NRMLA Lunch

Guest Speaker: Mark Schniepp, PhD, California Economic Forecast

NRMLA kicks off our first in-person meeting in two years with a distinguished guest speaker. Economist Mark Schniepp will address the most current evidence on the U.S. and California economies including the housing market, and discuss the likelihood and risks of inflation, higher interest rates, war, supply chain issues, financial market concerns, and a possible new wave of coronavirus.

Provided by

 

 


Mark Schniepp Bio
Dr. Schniepp is currently Director of the California Economic Forecast in Santa Barbara. The Company prepares forecasts and commentary on the regional economies of California. Dr. Schniepp prepares economic analysis and county level forecasts for Cal Trans, Kaiser Permanente, The California State Auditor’s Office, and other organizations throughout California He develops regional real estate and economic forecast publications and presents the findings at large public conferences in Ventura County, the Santa Clarita Valley, and Santa Barbara County. Dr. Schniepp served as Director of the Economic Forecast Project at the University of California, Santa Barbara, between 1988 and 2000. As a past member of the faculty of the Department of Economics at the University of California, Santa Barbara, he taught intermediate micro-economic and macroeconomic theory, applied regional modeling, applied econometrics, and forecasting. Dr. Schniepp also served as senior economist to the California State Controller from 1999 to 2003. Dr. Schniepp has a Ph.D. in economics from the University of California.

 

Documents
1:00pm

Break

1:30pm

Executive Committee Roundtable

Here’s your chance to engage directly with NRMLA’s top leadership who act on your behalf to further the reverse mortgage business. Get updates on member engagement, advocacy, PR, DEI and other committee activities.

 Presenters:

  • Joe DeMarkey, Strategic Business Development Leader, Reverse Mortgage Funding LLC, Holliston, MA
  • Steve Irwin, President, President, NRMLA, Washington, DC
  • Michael Kent, President, PHH Mortgage Corp. dba Liberty Reverse Mortgage, Rancho Cordova, CA
  • Scott Norman, Vice President of Field Retail & Government Relations at Finance of America Reverse LLC, Austin, TX

Joe DeMarkey Bio
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.

Steve Irwin Bio
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.

 

 

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

Scott Norman Bio
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.

2:30pm

Break

2:45pm

Update From FHA's Santa Ana Homeownership Center

The Santa Ana Homeownership Center implements and enforces FHA’s regulatory policies for Alaska, Arizona, California, Hawaii, Idaho, Nevada, Oregon and Washington as well as the Pacific Islands of American Samoa, Guam, and the Commonwealth of the Northern Marianas. Representatives from the Quality Assurance and Processing/Underwriting Divisions will update everyone on important regional issues as they pertain to HECM.

Introductions by Elly Johnson, President, All Reverse Pro, Hiram, GA and Co-Chair, NRMLA HUD Issues Committee
Presenters:

  • Frederick Griefer, Deputy Director
  • Anh Dong, HECM Servicing Specialist
  • Daniel Mooney, Senior Single-Family Housing Specialist
  • Esther Yamashiro, Housing Program Officer

Approved for 1 CRMP Credit

 

 

Frederick Griefer Bio
Frederick Griefer currently serves as the Deputy Director of the U.S. Department of Housing and Urban Development’s Santa Ana Homeownership Center, which insures single-family FHA mortgages, assures FHA mortgage quality, and oversees for Alaska, Arizona, California, Hawaii, Idaho, Nevada, Oregon and Washington as well as the Pacific Islands of American Samoa, Guam, and the Commonwealth of the Northern Marianas. After finishing grad school in California, he moved to Washington, DC to work for the federal government at the U.S. Department of Health and Human Services working on Grants Policy, the Environmental Protection Agency as the Team Leader for Recipient Oversight before moving to HUD where he served as Director of Grants Management and Director of Field Operations for the Office of Native American Programs. In 2019, he and his family decided to move back home to California to serve as Deputy Director at SAHOC

Anh Dong Bio
Anh Dong has over 25 years’ experience in the mortgage banking industry. She is a HECM Servicing Specialist in the Quality Assurance Division (QAD) at the Santa Ana Homeownership Center since 2012. Her prior experience includes Senior Housing Specialist positions in QAD and the Real Estate Owned Division within SAHOC and Loan Specialist at the Small Business Administration.

 

 

Daniel Mooney Bio
A very familiar “face of HUD” at NRMLA events, Dan commenced his career with FHA in October 2003 as an Underwriter, following a career as a US Navy carrier pilot and a 20+ year career in mortgage banking. In 2005, Dan was named leader of the HECM Team for the Processing & Underwriting Division in the Santa Ana Homeownership Center (SAHOC), quickly establishing a national reputation as an authority on reverse mortgages. In October 2009, he was promoted to Senior Single-Family Housing Specialist and assigned to the Quality Assurance Division in SAHOC, where he conducts Underwriting and HECM Servicing reviews of HUD approved mortgagees to ensure compliance with all FHA requirements. He also serves as the division’s HECM subject matter expert and maintains strong interaction with the industry at large. Dan has represented SAHOC, as well as FHA Headquarters, speaking at numerous events over the years, in support of HUD’s mission to expand homeownership and retention and enhance the effectiveness and efficiency of the industry’s interaction with the Department.

Esther Yamashiro
Esther Yamashiro joined the Santa Ana Homeownership Center (SAHOC) in 2008 as an underwriter and in 2009, she succeeded Dan Mooney as the HECM point of contact for the Division. She became a Branch Chief in the Processing and Underwriting Division in 2012, where she led the Lender Training Team. She also worked on several initiatives developing policy and processes during this time including LRS (Loan Review System) and FHA Catalyst. She brings her experience in Single-Family policies and programs to her current position as the Housing Program Officer for SAHOC with a focus on Education and Outreach. Prior to joining SAHOC, Esther spent 22+ years in private sector mortgage loan origination, underwriting and funding.

 

3:45pm

Break

4:00pm

Networking Means You Never Have to Say You’re Sorry

If you want to be the “go-to resource” for current and future clients, then join us for a special session to learn about the breadth of the longevity economy and eight ways to connect to vital resources in the aging in place market. You will learn practical tips to engage and collaborate with other senior service professionals.

Introductions: Tara Ballman, Executive Director, National Aging in Place Council, Costa Mesa, CA
Presenter:

  • Fritzi Gros-Daillon, Director of Education, Age Safe America, Vista, CA

Bio for Fritzi Gros-Daillon
Fritzi Gros-Daillon, MS, CSA, CAPS, UDCP, SHSS, is a successful entrepreneur in Senior Move Management, Environmental Consulting and Aging in Place Home Safety and Modification. Named Educator of the Year by the National Association of Home Builders for 2019 and Master Instructor in 2021, she teaches aging in place and universal design courses. Working with Age Safe America, she developed the Senior Home Safety Specialist certification and co-created an online Family Caregiver Essentials program. Her Master’s in Business from Columbia University, combined with CAPS and UDCP, gives her the experience, perspective and expertise to work with multi-discipline professionals and clients of all ages. Her book, “Grace and Grit: Insights to Real Life Challenges of Aging for Adult Children and their Parents”, won five national book awards and the Canadian Book Excellence award in 2016. The book offers insight, humor and a deeper understanding of the complexity of roles and decisions for older adults and families considering changes to their homes. A founding member of the NAIPC San Diego chapter, she has also served on the boards of The Foundation for Senior Wellbeing, the San Diego County Council on Aging and the National Association of Remodeling Industry, San Diego. She is a public speaker on topics of home safety and aging in place at state and national conferences, radio and podcasts.

Documents
5:30pm

Cocktails on the Lawn

Provided by

Tuesday, May 24

Time Description
8:00am

Registration Desk Open

The registration desk will be open from 8:00 am to 2:00 pm.

8:00am

Continental Breakfast

9:00am

Peer-to-Peer Loan Officer Coaching

Since joining Cherry Creek Mortgage in February, David Darling has been educating the company’s “forward” mortgage loan officers on how to successfully transition to reverse mortgages. Darling will share some of the important lessons that these loan officers have learned doing their first couple of reverse mortgages and offer tips for enriching the loan officer-borrower experience.

Presenter:

  • David Darling, CRMP, Director of Reverse Mortgage Training, Cherry Creek Mortgage

Bio for David Darling
Dave is a Certified Reverse Mortgage Professional, a designation held by fewer than 200 loan officers in the country. Dave is also a continuing education instructor for mortgage professionals and designs reverse mortgage software.

After 20+ years travelling extensively in Eastern Europe and South America while an international finance specialist, Dave settled in Carlsbad, CA and began doing reverse mortgages in 2006.

He and his wife enjoy vacationing in the National Parks, tropical destinations and intend to visit Patagonia next year. Fun fact: He still has the car he used in high school – a 1955 Triumph, which he and his son converted to electric in 2013.

Documents
10:00am

Break

10:30am

Reverse Mortgage Servicing Policies and Updates

Reverse mortgage servicers are on the front lines working with states to distribute nearly $10 billion in Housing Assistance Fund (HAF) proceeds to assist homeowners, including reverse mortgage borrowers, who are still struggling financially and are at risk of losing their homes. Our panel of subject matter experts will discuss what they’re doing to assist borrowers. They will also discuss common issues that are causing the most confusion for borrowers and heirs when a reverse mortgage becomes due and payable and what you can do to help educate your clients ahead of time.

Presenters:

  • Gail Balettie, SVP, Client Satisfaction, Celink, Austin, TX
  • Leslie Flynn, Director, PHH Mortgage Services, Houston, TX
  • Jorge Valadez, 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 Leslie Flynne
Leslie Flynne joined the reverse mortgage industry in July 2011. Currently with PHH Mortgage and formally with RMS, she has been responsible for managing a reverse REO division, all aspects of servicing operations, HUD regulations and compliance within servicing and Client Relations. Previously, Flynne was a consultant for the SolomonEdwards Group where she was directly involved in banking resolutions and asset liquidation for a government entity. From 1989 to 2008, she served in a variety of financial and operational director positions within Washington Mutual Bank and its predecessor Bank United, which included servicing operations for the commercial real estate lending portfolio, servicing operations for the commercial banking operations, branch acquisitions and consolidation and corporate mergers and acquisitions.

Bio for Jorge Valadez
Jorge Valadez is the Director of Default Servicing at PHH Mortgage with twenty years of mortgage servicing experience including seven in reverse. Prior to joining PHH, Jorge served in key leadership roles at Bank of America, First American Title, and Mr. Cooper.

Documents
11:30am

Lunch on your own

1:00pm

Protecting Our Clients From Bad Ads

Reducing deceptive advertising is a critical mission of NRMLA’s Ethics Committee. NRMLA’s outside counsel will review the federal laws that companies must follow when creating compliant and ethical reverse mortgage advertisements. They will also touch on the process used by the Ethics Committee to collect and review questionable advertisements, and how members can offer assistance.

Introductions by Tina Meilinger, Co-Chair, NRMLA Compliance Committee, and Senior Vice President, Allegiant Reverse Services, Roseville, CA

Presenters:

  • Jim Milano, Weiner Brodsky Kider PC, Washington, DC
  • Joel Schiffman, Weiner Brodsky Kider PC, Queen Creek, AZ

Approved for 1 CRMP Credit

 

 


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.

Bio for Joel Schiffman
Joel represents banks, savings associations, and companies in the financial services and mortgage industries nationwide. His practice embraces a variety of matters relating to mortgage banking, including the marketing, origination, servicing and secondary market disposition of mortgage loans, with an emphasis on reverse mortgages. Joel is Co-General Counsel of the National Reverse Mortgage Lenders Association and he currently serves on the Ethics Committee. Having spent more than two decades in senior management and in-house legal positions with financial institutions, Joel combines his considerable experience with a practical approach to accomplishing his clients’ business objectives. Prior to joining Weiner Brodsky Kider PC, Joel served as Senior Vice President and General Counsel of Financial Freedom Senior Funding Corporation, the nation’s largest reverse mortgage lender and servicer. Before assuming his responsibilities at Financial Freedom, Joel served as Associate General Counsel, First Vice President at two financial institutions, IndyMac Bank, F.S.B., and Great Western Bank, F.S.B., where he managed overall legal support for the mortgage banking operations of both institutions.

Documents
2:00pm

Top Producers Roundtable

In this free-flowing discussion, two experienced loan officers/sales managers share tips about their approach to selling reverse mortgages and what makes them successful.

Presenters:

  • Loren Riddick, CRMP, National Director of Reverse Mortgage Lending, Thrive Mortgage, Alcoa, TN
  • Steven Sless, CLTC®, Division President, Primary Residential Mortgage, Owings Mills, MD

Bio for Loren Riddick
Loren Riddick is a fifth generation native from the Smoky Mountains of East Tennessee. After earning an Associate Degree from Walters State Community College while playing basketball, Loren began a modeling and acting career in New York where he was featured in commercials and beyond with the likes of the “Cosby Show” and “All My Children.” Foregoing a promising career in show business, Loren followed his heart by leaving New York to be with his true love, Missi, who was attending East Tennessee State University. After earning a second degree from ETSU, Loren entered the mortgage business in 1999 and today is the National Sales Director, Reverse Mortgage Lending, at Thrive Mortgage. His passion for seniors and helping other forward mortgage professionals embrace the amazing news of the HECM is an undeniable passion for Loren and his team.

Bio for Steven Sless
Steven J. Sless has nearly 20 years of mortgage industry experience, including 13 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.

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Cutoff Date NRMLA Member Non-Member
Early Registration
April 8, 2022
$550.00 $725.00
Regular Rate
May 22, 2022
$650.00 $825.00
Onsite Registration
May 24, 2022
$750.00 $925.00

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Details

Start:
May 23 @ 1:00 pm
End:
May 24 @ 3:00 pm

Venue

Marriott Irvine Spectrum
7905 Irvine Center Drive
Irvine, CA 92618 United States
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Phone:
(949) 759-0200
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