NRMLA Annual Meeting 20 Michael Kent, PHH Mortgage dba Liberty Reverse Mortgage 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 has been involved in several not-for-profits working in the areas of homelessness, world hunger, and women’s cancer. Mike is married to Sandy Kent (formerly Tennekoon) another industry veteran. They have a blended family of seven incredible children. Mike and Sandy live on the edge of the Tahoe National Forest in Nevada City California. Justin Lally, Cambridge Credit Counseling Justin Lally is the Reverse Mortgage Counseling Manager at Cambridge Credit Counseling Corp., a 501(c)3 non-profit agency that offers housing, credit, bankruptcy and student loan counseling nationwide. He has been approved by the U.S. Department of Housing and Urban Development and has been providing HECM counseling since 2010. Justin is also a HUD Certified Housing Counselor, has obtained NCHEC Certification in Homeownership Counseling, and is a PFE Certified Debt Management Professional. Justin’s responsibilities include the training and continuing education of both new and current reverse mortgage counseling staff, development of new policies and procedures, and ensuring compliance with both internal and external agency requirements. Christopher Mayer, Longbridge Financial, LLC 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-two issuer of HECM MortgageBacked Securities in 2023. 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. Alanna McCargo, Ginnie Mae Alanna McCargo was sworn in as Ginnie Mae's 18th President in December 2021. She began her work with the Biden-Harris Administration as a Presidential Appointee in the Department of Housing and Urban Development (HUD) as Senior Advisor for Housing Finance for Secretary Marcia L. Fudge. Ms. McCargo's career in housing finance spans decades and has centrally focused on how America's housing finance system can equitably and affordably serve the capital and credit needs of all households. Prior to joining the Biden-Harris Administration, Ms. McCargo was Vice President of the Housing Finance Policy Center at the Urban Institute, a social and economic policy research firm where she led and developed evidence-based research and analysis on the U.S Housing Finance system. She helped to advance the national policy conversation around reducing racial homeownership and wealth gaps and removing barriers to accessing credit and capital. Ms. McCargo also served as Executive Director of the Mortgage Servicing Collaborative, a cross-sector initiative that identified and developed policy recommendations for mortgage servicing and securitization reforms to enable stability for the housing finance system through all economic cycles.
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