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NRMLAs 2021 Virtual Annual Meeting

11/02/2021 @ 11:30 am - 11/04/2021 @ 5:00 pm

Thank you to everyone who attended the Virtual Summer Meeting this week. Over 400 professionals from 162 companies across 40 states and six countries participated.

Copies of the Zoom videos and slides will be posted to the Annual Meeting conference page and available to all registrants in a few days. We look forward to convening multiple in-person events in 2022.

Accessing Session Videos and Slides

  1. Login to NRMLAonline.org with your username and password
  2. 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
  3. Once you click the Documents tab, the session videos and 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 2

Time Description

Tips & How To’s from Longbridge Account Executives (All sessions are Eastern Time and subject to change)

Learn best practices to grow your business, how to recruit, submit a clean file, manage your day and work together with Ops.

Moderator: Bill Nolan, Wholesale Sales Manager

  • Geoffrey Bench, Senior National Account Executive
  • Bruce Ramirez, National Account Executive

Bill Nolan Bio: Bill Nolan brings over two decades of experience in both wholesale and retail lending to the Longbridge team. A dynamic leader in the reverse mortgage wholesale space, Bill specializes in consulting with partners to identify what customers truly need to compete in today’s market. Most recently Wholesale Field Sales Leader at Liberty Reverse Mortgage, Bill has a proven track-record of managing multi-billion-dollar branches across wholesale and correspondent lending operations. As Wholesale Sales Manager at Longbridge Financial, Bill coaches our team of core Account Executives to help their customers find the keys to increase volume and revenue.

Geoffrey Bench Bio: Geoffrey’s mortgage career began in 2004 as a forward loan originator. After a few years, Geoff transitioned to the wholesale side of the business as an Account Executive specializing in home equity loans. Following the market shift in 2008, Geoffrey moved into the reverse space as an originator with Wells Fargo. After successfully building his retail business he moved to MetLife, quickly establishing himself as one of the top retail consultants in the nation. In 2015, Geoffrey switched gears and moved over to the wholesale channel. In his role as an Account Executive at Longbridge Financial, LLC, Geoffrey leverages his extensive knowledge and experience to help his partners expand their reverse mortgage business. In his spare time, Geoff is an avid fan of live music, having seen hundreds of concerts all over the country. He also enjoys golf, skiing and spending time at the lake swimming and boating.

Bruce Ramirez Bio: Bruce T. Ramirez serves as an Account Executive for Longbridge Financial. He brings nearly a decade of experience in the reverse mortgage industry having held various roles across sales and management with AAG and Liberty Reverse Mortgage. Prior to his career in reverse mortgages, Bruce held a private healthcare practice as a Chiropractor for 15 years. Outside of the office, Bruce leads an exciting, active lifestyle – catching (and releasing) rattlesnakes, snow skiing, and playing and coaching soccer. He looks forward to his annual trip up the San Gabriel Mountains where he bungee jumps off the legendary Bridge to Nowhere.

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How Home Equity and Cash Flow Impact Aging in Place

The National Council on Aging recently published two important research papers that examined how home equity can impact cash flow and enable more older adults to age in place. We’ll share highlights and potential outcomes for the reverse mortgage space.

Introductions by Lori Erskine, Vice President, Wholesale, Mutual of Omaha Mortgage, Dripping Springs, TX


  • Barbara Stucki, PhD, BRStucki Consulting, Bend, OR

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Barbara Stucki Bio: Dr. Barbara Stucki has built her career helping older Americans manage the financial challenges of aging. Currently, she is principal at BRStucki Consulting. Prior to her consulting activities, Dr. Stucki was CEO of NestCare FPC, a startup company that developed an innovative home equity release product for seniors to age in place.

She also served as Vice President for Home Equity Initiatives for the National Council on Aging, where she oversaw NCOA’s national reverse mortgage counseling network and conducted research on the role of home equity as a retirement resource. Prior to NCOA, Barbara was a senior policy analyst for the American Council of Life Insurers, working on issues relating to long-term care insurance. She also spent six years at the Public Policy Institute at AARP working on long-term care financing and insurance.



Global Perspectives on Home Equity Extraction


  • David Burrowes, Chairman, Equity Release Council, UK
  • Steve Kyle, Secretary General, European Pensions and Property Asset Release Group

David Burrowes Bio: David is Chairman of the Equity Release Council and has been a practicing solicitor for 25 years. During this time, he was first a Councillor in Enfield and then Member of Parliament for Enfield Southgate between 2005 and 2017. David championed social justice and consumer protection and led campaigns on issues affecting elderly people.

David served as Parliamentary Private Secretary to three Cabinet Ministers and sat on the influential Home Affairs and Public Accounts Select Committees and was also Shadow Justice Minister from 2007-2010.

Steve Kyle Bio: Steve has over 40 years’ experience in the insurance, life and pensions industry in the UK and Europe, and has held Executive Director and senior management positions. He has worked for major groups, such as Aviva, and start-ups including Just Retirement. He was until recently a long serving Director of the UK’s Equity Release trade bodies (SHIP and the Equity Release Council) and has played an active role in promoting high levels of consumer protection, standards, innovation, and competition.

He has worked on policy development in the UK and Europe and has chaired various industry groups, including the ERC Solvency 2 Working Group. Steve was one of the founders of the European Pensions and Property Asset Release Group (EPPARG), which was set up in 2012 as a forum to foster dialogue between industry, the EU institutions and governments on innovative pensions and property asset release solutions and has been the Secretary General ever since.




Keynote Speaker: Principal Deputy Assistant Secretary Lopa Kolluri, Federal Housing Administration, U.S. Department of Housing and Urban Development, Washington, DC

Principal Deputy Assistant Secretary Lopa Kolluri serves as the senior housing official within the Federal Housing Administration.

She will provide HECM program updates and discuss other policy priorities.

PDAS Kolluri has more than 25 years of experience in affordable housing, community and economic development. She has served in executive-level positions in the public and private sector, both as a practitioner and policymaker at national, state and local levels.

Before joining HUD in February 2021, PDAS Kolluri had spent the previous four years serving as chief development and operating officer at the Philadelphia Housing Authority.




HMBS: Secondary Market Color and Perspectives

Ginnie Mae’s HECM Mortgage-Backed Securities program provides valuable liquidity for the reverse mortgage industry. Subject matter experts will discuss the current state of the HMBS market, prepayment concerns, LIBOR to CMT to SOFR transition and the current state of proprietary products.

Introductions by Jay Wright, Bradley, Birmingham, AL


  • Joseph J. Kelly, Partner, New View Advisors, New Providence, NJ
  • Michael McCully, Partner, New View Advisors, Naples, FL
  • Vanessa Warren, Managing Director, HECM Trading, Brean Capital, New York

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Joe Kelly Bio: Joe Kelly is a veteran securitization professional, primarily in prime mortgage assets, including reverse mortgages. Before establishing New View Advisors, Kelly managed all aspects of Lehman Brothers’ prime mortgage finance agenda, including the first U.S. reverse mortgage securitization in 1999, and SASCO 2006-RM1, one of three securitizations nominated for Total Securitization’s North American RMBS Deal of the Year. As a partner at New View Advisors, he provides product development, valuation, strategic advice and transaction management to HMBS issuers, proprietary whole loan issuers, servicers, investors, broker-dealers, lenders and rating agencies.


Mike McCully Bio: 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.


Vanessa Warren Bio: Vanessa Warren graduated from Vanderbilt University with her degree in Economics. She has previously worked at Deloitte & Touche as an analyst in the mortgage-backed securitization group and at Lehman Brothers in both principal banking and the Alt-A desk/Jumbo trading desk. She was an original founding partner and Head of Capital Markets at BNY Reverse Mortgage which later became Everbank Reverse Mortgage and then MetLife Reverse Mortgage, where she helped create and place the first GNMA HMBS pools. In 2011 Vanessa went back to the sell-side of Wall Street at Knight Capital as a Director in Reverse Mortgage Trading and later joined Brean Capital in 2014 as a Managing Director where she still resides. Her focus is on strategic reverse mortgage acquisitions and HECM/Jumbo reverse mortgage trading and securitization.


NRMLA Business Meeting

NRMLA members must ratify the Nominating Committee Report and formally elect a new Board of Directors for the 2022 term. NRMLA executives will also share updates on the association’s advocacy efforts.


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

Peter Bell Bio: 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.

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 & Government Relations at Finance of America Reverse LLC and he serves as Co-Chairman of NRMLA’s Board of Directors for the 2020-2021 term.



Never Tried Liberty? Our Partners Love Us, Come Try Us Out and See Why You Will Too!


  • Michael Kent, President
  • Judson Lyman, Director, Business Development
  • Wendy Metzger, COO
  • Teresa Simmons, Business Development Manager
  • Mary Smith, Senior Vice President, Sales and Marketing

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End of Day 1

Wednesday, November 3

Time Description

Real-Word Applications of Equity Elite® Expanded Eligibility and Simplified Borrower Qualification Enhancements

Please join National Wholesale and Correspondent Sales Leader Mark O’Neil for a unique look at real-world Equity Elite® success stories through the eyes of RMF’s own broker partners.

Mark’s special guests will share narratives of actual loans that came to fruition thanks to the expanded eligibility and simplified borrower qualification enhancements of our proprietary product suite—Equity Elite®.

Featured real-world application accounts will include:

  • An Equity Elite® reverse mortgage borrower under the age of 60
  • An expedited Equity Elite® loan approval using proceed and asset dissipation in lieu of income documentation
  • An Equity Elite® loan on a condo that was ineligible for a HECM

Mark O’Neil Bio: 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.


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Tapping Into the Reverse Mortgage Space

If you’re new to reverse mortgages, or want to brush up on your sales skills, Longbridge Financial Training Manager Jim McMinn will share his insights on sourcing business, identifying prospects and articulating key differences between forward mortgages and reverse mortgages.

Jim McMinn Bio: Jim 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.

Introductions by Megan Awalt, Vice President, Allegiant Reverse Services

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Check your Blind Spots: How to Close Your Reverse Mortgage in 30 days or Less

We all strive for efficiency, especially in an industry that serves an older clientele. Our panelists will share tricks and tips they’ve learned over the years to close reverse mortgages in 30 days or less.

Introductions by Ian Gates, Business Development, National Field Representatives, Claremont, NH


  • Kim Buckley, CRMP, C2 Financial, Alpine, CA
  • Renee Konstantine, CRMP, Mutzig Management, Inc. dba Estar Mortgage, San Diego, CA

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Kim Buckley Bio: Kimberly Buckley has 30+ years of experience in the industry as a Loan Processor, Account Manager and currently a Reverse Mortgage Specialist. She has been married to her husband for 36 years, raised three daughters and has two granddaughters and one grandson. As a hobby, she makes quilts for children in orphanages and seniors in nursing homes with Kingdom Quilters. She finds it is a terrific joy when she can give a senior citizen a better quality of life through a Reverse Mortgage Loan.


Renee Konstantine Bio: Seniors have many goals and Renee Konstantine enjoys helping them realize those goals, whatever they may be. Renee has many years of experience as a Reverse Mortgage Broker and holds the title of Certified Reverse Mortgage Professional.

Renee is well seasoned, having worked in the Financial Industry since the late 1980s. Her vast experience, knowledge, and ethics are a breath of fresh air while working with seniors who appreciate her hard work and perseverance in sometimes challenging situations.

When not helping people with their housing and financial needs, she spends her time hiking the local San Diego trails. Renee is also a classically trained French chef with a penchant for making homemade chocolates.



Home Equity’s Role In Funding In-Home Care: A Guide To Partnering With In-Home Care Agencies

Reverse mortgages offer a creative solution to help older homeowners who need assistance pay for the in-home care services that enable them to remain independent in the home that they love.  We invited two of the industry’s top trainers share tips to help you develop partnerships with in-home care agencies.


  • Barbara Cripple, CRMP, Finance of America Reverse, New Franklin, OH
  • Susan Haviland, CRMP, Finance of America Reverse, Marco Island, FL

Approved for 1 CRMP Credit




Barbara Cripple Bio: Barbara started at Finance of America Reverse in November 2020 as the Retail Sales Trainer. She has been in the mortgage business for 24 years with a focus on reverse mortgages for the last 14 years. Her passion for the reverse mortgage product and helping seniors is what keeps her motivated.

Most recently, she was the Operations Manager for a mortgage brokerage, Affinity Home Equity Solutions, LLC. As a producing manager, she trained loan officers, other support staff and taught continuing education to real estate agents.


Sue Haviland Bio: 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 17 of which were focused on the reverse space. Sue has been an originator, trainer, speaker, 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.




Top Producers Roundtable

In this free-flowing discussion, several of the reverse mortgage industry’s most successful loan officers share what makes them the best.

Moderator: Lisa Moriello, loanDepot, Shelton, CT


  • Catalina Gonzalez, Open Mortgage, Anaheim, CA
  • Matt Harrison, loanDepot, South Jordan, UT
  • Christina Harmes Hika, CRMP, Primary Residential Mortgage, Escondido, CA
  • Ryan Philip, CRMP, Longbridge Financial, Bloomfield, NJ
  • Hank Rhoads, Reverse Mortgage Funding, Lincoln, CA

Lisa Moriello Bio: Lisa Moriello’s career spans 35 years in the forward mortgage business and 25-plus years in reverse. Moriello manages the Shelton, CT, branch for loanDepot, a mortgage company headquartered in southern California that has originated more than $165 billion in mortgages over the past decade. She is responsible for managing the reverse mortgage division within the company and training its reverse mortgage sales force.


Catalina Gonzalez Bio: I have been a reverse mortgage originator for approximately 16 years. Working with this sector of our community has truly been the most rewarding. I listen to my clients’ concerns and their many stories, joyful or sad. Building relationships are important to me and earning their trust. Through my efforts and the support of Open Mortgage, we provide an invaluable service.


Christina Harmes Hika Bio: Christina Harmes Hika, CRMP, loves helping older homeowners keep their independence, enhance their retirement plan and enjoy their golden years. This passion has resulted in her extensive track record as a top reverse mortgage producer and sterling reputation as an industry leader. She brings 19 years of experience in real estate and mortgage lending, including nine years dedicated to reverse mortgages. At C2 Financial Corp, she was the #1 reverse mortgage producer and co-built its reverse mortgage division as the national assistant manager for four years. Women With Vision Magazine recognized her with its prestigious Women With Vision Award in 2020. In addition to managing and growing the Steven J. Sless Group’s West Coast Region, Christina helps expand the company’s infrastructure to educate and train PRMI’s 1,200+ traditional loan originators nationwide, guiding them in adding reverse mortgages to their practice. Active in the industry and the community, Christina was a founding member of the National Aging in Place Council San Diego Chapter.


Matt Harrison Bio: Matt has been in the real estate and mortgage industry for nearly 20 years. He currently works for loanDepot as a home loan strategist and has made HECM loans his niche. He is also a Certified High Trust Coach in the Todd Duncan ecosystem.


Ryan Philip Bio: I live in Belleville, New Jersey with my wife of two years. With a degree in finance I have spent the last 10 years exclusively in the reverse mortgage industry. I enjoy working with seniors, learning about their life experiences. I love to play basketball and go fishing on Lake George, NY; Point Pleasant, NJ or Marco Island, FL when visiting my mother.


Hank Rhoads Bio: Hank is a company top producer for the last five years, including a team of nine covering most of Northern CA with a storefront location in Sun City Lincoln Hills. Providing 24/7 access, Hank’s team has a long term, deep relationship in the 55+ communities in and near their office with 35 percent of their business from past
customer referrals. They sponsor or participate in about 20 different groups: RV club, men’s and women’s golf clubs, Rotary, Kiwanis, softball, and more. A student of lifelong learning whose first job was delivering newspapers at age 12, he has a bachelor’s degree and a master’s degree, in addition to training in financial planning and real estate.


End of Day 2

Thursday, November 4

Time Description

Just Keep Winning

You’ve been winning big with refinancing in 2021. Join our NRMLA session, Just Keep Winning, and get first-look access to FAR’s new partner strategies for next year, all designed to keep those wins coming as rates rise in 2022.

Presenters: Ryan Schmidt, Wholesale Marketing Director and Sue Haviland, CRMP, National Sales Trainer – Wholesale

Ryan Schmidt Bio: With over 12 years in the industry, Ryan’s deep knowledge of sales, technology and marketing brings a unique perspective to the FAR Wholesale Division. His innovative webinars and informative marketing sessions have been successful for several partners.




Sue Haviland Bio: 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 17 of which were focused on the reverse space. Sue has been an originator, trainer, speaker, 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.


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Compliance Corner: Permissible Activities Prior to Closing

With the recent publication of the draft HECM Handbook, we invited two compliance experts to give a refresher discussion of application and processing procedures and timelines and the rules that apply.

Introductions by Angel Booth, Senior Sales Executive, Premier Reverse Closings, Roseville, CA


  • Elly Johnson, All Reverse Pro, Hiram, GA
  • Jim Milano, Weiner Brodsky Kider PC, Washington, DC

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Approved  for 1 CRMP Credit




Elly Johnson Bio: Elly Johnson has spent over 40 years in mortgage banking with the past 27 years in an executive capacity with several of the industry’s largest reverse mortgage originators and servicing providers. She now uses her years of experience and knowledge of the Reverse Mortgage industry to assist others in all aspects of the Reverse business as the owner and President of All Reverse Pro. She is an active NRMLA member, industry speaker, co-chair of the NRMLA HUD issues committee and now serves on the NRMLA Board of Directors. In 2017, Elly received a “Career Achievement Award” from NRMLA for her thoughtful and tireless leadership in the Reverse Mortgage industry.

Jim Milano Bio: 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.




Regulatory Update

Our panel of legal experts will touch on what’s new at the Consumer Financial Protection Bureau and what to expect from the CFPB in the coming year, as well as provide regulatory updates impacting the origination and servicing of reverse mortgages.

Introductions by Megen Lawler, President/CEO, Bay Docs, Novato, CA


  • Michael Gordon, Bradley, Washington, DC
  • Soroush Shahin, Weiner Brodsky Kider PC, Washington, DC
  • Jay Wright, Bradley, Birmingham, AL

Provided by



Approved for 1 CRMP Credit




Michael Gordon Bio: Michael Gordon is an accomplished consumer finance lawyer with more than 20 years of experience as a law firm partner, senior federal regulator, and fintech general counsel. Michael serves as co-chair of Bradley’s Fintech team, and his practice includes consumer finance and fintech, blockchain and digital assets, banking and bank partnerships, consumer and commercial credit, payments, regulatory strategy, risk management and corporate governance matters for a range of clients. Prior to joining Bradley, Michael was on the start-up team that established the CFPB and served for five years in senior roles, including senior counselor to the director. He advised the director and senior agency officials on how best to utilize the CFPB’s authorities and whether to resolve significant matters through supervisory action or public enforcement.

Soroush Shahin Bio: Soroush’s practice focuses on federal and state regulatory compliance matters related to the financial services industry. He advises mortgage companies, financial institutions, and secondary market investors on federal and state law in the areas of mortgage banking, real estate finance and consumer finance, including requirements under FHA regulations, TILA, RESPA, ECOA, FCRA, FDCPA, TCPA, GLBA, ILSA, and the E-Sign Act. In addition, Soroush regularly counsels clients on origination and servicing requirements, marketing practices, compliance management systems, compensation issues, and regulatory approvals. Prior to joining the firm, he was Corporate Counsel and Vice President of Operations for an automotive lender.

Jay Wright Bio: Jay Wright advises some of the nation’s largest financial institutions and mortgage companies as they adapt to changes in the regulatory and judicial environments in which they operate. Wright’s regulatory practice involves assisting clients in the financial services and mortgage industries comply with obligations imposed on them by the Department of Housing and Urban Development, the Department of Justice, the Office of the Comptroller of the Currency, the Board of Governors of the Federal Reserve, the Consumer Financial Protection Bureau, and a host of state banking regulators and court systems. A significant portion of his practice is devoted to helping lenders and servicers of HECM reverse mortgages implement regulatory changes mandated by HUD, as well as interfacing directly with HUD to seek clarification about, or revision to, proposed regulatory changes.


Appraisal Issues and Trends

The appraisal is one of the most important steps in the reverse mortgage process since it determines how much a consumer can get from a reverse mortgage. Representatives from leading Appraisal Management Companies will discuss key marketplace issues and trends.

Moderated by Regina Eldridge, Success Mortgage Partners,


  • John T. Dingeman, MNAA, Chief Appraiser, Class Valuation, Van Nuys, CA
  • Mark Johnson, President, LRES, Orange, CA
  • Josh Van Horn, Chief Appraiser, Mortgage Information Services, Cleveland, OH

Regina Eldridge Bio: Regina Eldridge currently serves as the Director of the Reverse Mortgage Division of Success Mortgage Partners, Inc. Previous to her current position, she served multiple years in a wholesale capacity with our nation’s largest reverse mortgage lender. Her personal mission statement is to help industry professionals grow reverse business opportunities. Regina has dedicated over 25 years to positions which included traditional, unique and reverse mortgages combined. Beginning her career in a broker capacity, she developed and sold that business to join a national lender/banker. Through her years with lenders, banks and credit unions she has learned the value of diversity in relationships, as well as investing time in associations which further industry improvements and provide the unique opportunity to meet top industry professionals.

John Dingeman Bio: John Dingeman is a Certified Residential Appraiser in 11 states, a Registered Property Tax Agent in Arizona, and a Qualifying and Continuing Education Instructor for multiple course providers. Dingeman is the Past President of the National Association of Appraisers and the Coalition of Arizona Appraisers. He has also served on several boards, including the Arizona Board of Manufactured Housing, Phoenix Village Planning Committee, Homeowners Association and a charitable organization supporting foster children in Arizona called Arizona Helping Hands.

Mark Johnson Bio: Mark Johnson has more than 20 years of executive experience working for various Fortune 500 companies within the mortgage services industry. As President, he provides overall leadership and direction for the company’s operations. Prior to LRES, Mark was Division President of Mr. Cooper, and was previously Division President of Black Knight (formerly Lender Processing Services).



Josh Van Horn Bio: Joshua Van Horn is Senior Vice President, Chief Appraiser at Mortgage Information Services, Inc. (MIS), a leading national provider of valuation, title, and settlement services. In this role, he is responsible for all facets related to the operation of a national Real Estate appraisal production division including, but not limited to: being a liaison with MIS’ diverse base of clients on technical and production issues; direct appraisal responsibility for the entire appraisal division; training and over-seeing production coordinators and staff appraisers; development and implementation of appraisal policies; assist in technology innovations; manage over 8,000 subcontractor appraisers throughout the country. Mr. Van Horn is an Ohio Certified Residential Appraiser who began his appraisal career in 2005, has been with MIS since 2009 serving in multiple leadership positions, and has held the title of SVP, Chief Appraiser since 2019. In addition to his appraisal and management experience, on a personal note, Joshua is an Eagle Scout and is married with 2 daughters.


Engage Your Audience with Story Selling (All sessions are Eastern Time)

This presentation will teach you how to use stories to grow your business, deepen relationships, and establish trust with clients and customers.

Special Introduction: Scott Gordon, CEO, Open Mortgage

  • Cor Ashcroft, Multimedia Specialist, Open Mortgage
  • Zeb Lowe, Senior Director of Learning and Development, Open Mortgage
  • Josh Moran, Senior Vice President, Wholesale Lending, Open Mortgage
  • Patty Wills, National Retail Sales Manager, Open Mortgage

Cor Ashcroft Bio: Coy Ashcraft is the Multimedia Specialist at Open Mortgage. He is a car enthusiast, a music lover who plays guitar and piano in his spare time, and appreciates anything that is visual media. Coy has created the visual presentation you will see during this session.

Zeb Lowe Bio: Zeb Lowe is the Senior Director of Learning and Development at Open Mortgage. Zeb has over a decade of experience in both the mortgage Industry and the education sector as a Loan Originator (traditional and reverse), distance educator, course creator and designer, trainer and content creator. Zeb is also a tenured Instructor of English at Lamar Port Arthur (LSCPA) where he is able to draw from emerging academic instructional and learning methods to provide relatable, purpose-driven content to Loan Originators and clients.

Josh Moran Bio: Josh Moran started his career in the reverse space as an AE for Sun West Mortgage in 2007 and from there moved to Urban Financial, where he helped expand FAR’s footprint on the West Coast. In 2013, he moved to Live Well Financial as SVP of Wholesale, where he started and grew the wholesale and correspondent channels helping Live Well become a top 5 Lender. He is currently the SVP of wholesale lending at Open Mortgage, also helping to grow them into a top 5 wholesale lender in the space.

Patty Wills Bio: Patty Wills is the National Retail Sales Manager, Reverse Mortgages for Open Mortgage. She has been with Open for five years. She is a Certified Reverse Mortgage Professional, previously served on the NRMLA Board of Directors for five years, and is currently active in NRMLA Committees, including the Education Committee and Co-Chair of the DEI Committee. Patty has been a leader in reverse mortgages for over 20 years and has a strong commitment to our reverse mortgage customers and the industry.

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Annual Meeting Concludes

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Virtual 2021 Annual Meeting Registration

Cutoff Date NRMLA Member Non-Member
Early Registration
September 30, 2021
$75.00 $100.00
Regular Rate
November 4, 2021
$95.00 $125.00

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11/02/2021 @ 11:30 am
11/04/2021 @ 5:00 pm