09 Sept Oct.indd - Texas Mortgage Bankers Association

Texas Mortgage Bankers Association
September | October 2009 Volume XVII Issue V
O ff i c ers
President
John Watson, Houston
Vice President
W. Scott Norman, Austin
Secretary/Treasurer
David E. Frase, CMB, AMP, Arlington
Associate Representative
Billy F. Vaughn, Dallas
Past President
S. Van Stewart, San Antonio
Past President
Michael D. Minnis, Houston
Executive Vice President
Lisa Vercher, Austin
General Counsel
Larry Temple, Austin
D i re ctors
Barry R. Baker, CMB, Fort Worth
Rosemary E. Barbour, Dallas
Tommy Bastian, Addison
Blane L. Bauch, Coraopolis, PA
Judy A. Belanger, Houston
Clifton A. Crabtree, Houston
Cathy Gibb, Houston
Kevin Gillespie, Dallas
Dana Gompers, CMB, Houston
J. Kevin Gugenheim, Aliquippa, PA
Charles E. Klein, Woodway
Marc N. Laird, Houston
Michael Lima, Dallas
Larry B. Litton, Jr., Houston
Rob Macioce, Spring
Calvin C. Mann, Jr., Houston
Robert D. O’Reilly, Houston
Mark Raskin, Addison
Tom Rhodes, Austin
Ron Rogers, Lubbock
Susan T. Stewart, San Antonio
Thomas Tallent, Fort Worth
Scott R. Valby, Houston
Billy F. Vaughn, Dallas
Thomas F. Vetters, II, Austin
Robert H. Wagnon, Houston
Lance P. Welch, Boerne
Rob G. Wiggins, Houston
Ian Wright, Dallas
President’s
Message
John Watson
The licensing training courses are on the calendar.
TMBA will be offering the first round of licensing courses before year end.
One of several classes is projected to run concurrent with the upcoming
TMBA Seminar in Dallas, November 16-18. The State of Texas requires every
mortgage banker originator take 20 hours of education to obtain their license.
For the convenience of those who take our course in Dallas with the Seminar,
three consecutive days may seem quite the commitment but in one fail swoop
students will knock out all the required pre-licensing class requirements.
Plans are still being finalized with national on course approval and
arrangements with the hotel, but what we do know is that the class will be
limited to 100 students and the deadline to get the hotel discounted rate has
been extended to October 10th. Let Lisa in the TMBA office know how many
seats you would like to reserve and watch for the registration information.
And that is not all. In our continuing effort to be your one-stop resource for
complying with the new licensing laws, TMBA has also developed a course
specifically tailored to help loan originators pass the required licensing tests.
Also look for a course that will help companies build their quality control
program to assure you are complying with all new regulations – and there are
a bunch of them. You will see more on this in the upcoming months.
Of course, you can always get all of your licensing information at
www.texasmortgagelicensing.org.
Sincerely,
John Watson
2009.2010 TMBA President
www.texasmba.org
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www.texasmortgagelicensing.org
TMBA Mortgage Roundup
September | October 2009 Volume XVII Issue V
CONTENTS
FEATURES
02
02
02
03
11
12
DEPARTMENTS
04
09
14
15
16
ADS
19
21
22
Mission
Upcoming events
Staff
Future of Mortgage Lending
Licensing
Legislative | Regulatory efforts
U pcoming
TMBA Meetings
& Conferences
59th Annual Educational
Seminar & Marketplace
November 16 - 17, 2009
Westin Galleria | Dallas, Texas
Southern Secondary
Market Conference
February 2 & 3, 2010
Marriott Woodlands Waterwa
The Woodlands, Texas
Educational seminar
Secondary conference
TMBPAC
Friends of TMBA
Membership
6th Annual Southern
States Servicing Conference
April 14 & 15, 2010
Gaylord | Grapevine, Texas
Global Green Insurance Agency
Renee Helm
Certified-Shred
MISSION
94th Annual Convention
May 16 - 18, 2010
JW Marriott San Antonio Hill Country
San Antonio, Texas
TMBA S TAFF
TMBA’s mission
is to be committed
to being a quality-focused
association of real estate
finance professionals that
provides the best educational
resources, government advocacy,
and industry interaction
available for building a viable,
competitive, and profitable
mortgage lending and servicing
industry in the state of Texas.
EXECUTIVE VICE PRESIDENT
Lisa Vercher
lvercher@texasmba.org
MEMBERSHIP & MEETING
COORDINATOR
Shannon McKinley
smckinley@texasmba.org
COMMUNICATIONS SPECIALIST
Jamie Powers
jpowers@texasmba.org
leading Texas real estate finance industry since 1917.
2
www.texasmba.org
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www.texasmortgagelicensing.org
TMBA Mortgage Roundup
September | October 2009 Volume XVII Issue V
O th e r U p c o m i n g
Loc al M e e t i n g s &
C o n fe r e n c e s
TX Licensing
Austin Mortgage
Bankers Association
Monthly Luncheon
October 7, 2009 | 11:30 am
The Austin Country Club
www.austinmba.org
Austin Mortgage
Bankers Association
Monthly Luncheon
October 12, 2009 | 10:00 am
Great Hills Country Club
www.austinmba.org
Fort Worth
Mortgage Bankers
Monthly Luncheon
October 21, 2009 | 11:30 am
Petroleum Club of Fort Worth
www.fortworthmba.org
Texas Mortgage Lending Law &
Practices Deskbook Second Edition
Do you have
theTMBA
Deskbook? If not,
order your copy
today.
A special thanks to members of the
Regulatory Compliance Committee
that make the Deskbook possible by
volunteering their time and expertise.
A complete list of Deskbook and
Supplement authors can be viewed
in the Acknowledgments section.
TMBA Course Update
TMBA will be offering the first round of licensing and test
preparation courses before year end. If you are interested in
training all your loan originators at one time, contact Cliff at
cliff.long@texasmortgagelicensing.org to schedule the training.
And that is not all, in our continuing effort to be your one-stop
resource for complying with the new licensing laws, TMBA is
developing a course that will help companies build their quality
control program to assure you are complying with all new
regulations – and there are several. Watch your email and
www.texasmortgagelicensing.org for more information.
The Future of Mortgage
Lending re-cap
TMBA hosted three “The Future
of Mortgage Lending” workshops
within the last two months in
Tyler, Lubbock, and McAllen.
Special thanks to Commissioner
Doug Foster, Texas Department
of Savings and Mortgage Lending
for speaking about the upcoming
changes as a result of the S.A.F.E.
Mortgage Licensing Act. The S.A.F.E. Act established the federal
minimum standards that include back ground checks, testing, and
at least 20 hours of pre-licensing education and at least 8 hours of
continuing education annually for loan originators. Commissioner
Foster was able to explain the scope of the changes and what it
will mean for the mortgage lenders in Texas.
Thank you TIB, The Independent Bankers Bank, and the McAllen
Chamber of Commerce for helping sponsor these events. We
had a total of 117 participants.
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TMBA Mortgage Roundup
September | October 2009 Volume XVII Issue V
59th Annual
Educational Seminar & Marketplace
Nov 16 & 17, 2009 | Westin Galleria | Dallas, Texas
MON
Nov 16th
10:00 am Golf Tournament
Hills of Prestonwood Country Club
Noon Exhibitor Setup
2:00 – 6:00 pm Registration
5:00 – 6:00 pm FML Challenge UnRun
6:00 – 7:30 pm Opening Reception with
Exhibitors
TUES
Nov 17th
Registration
Breakfast with Exhibitors
Welcome & Keynote
Break with Exhibitors
Concurrent Sessions
Lunch & Keynote
Concurrent Sessions
Closing Reception with
Exhibitors
Exhibitor Move-out
5:00 – 7:30 pm President’s Reception
7:30 am
8:00 – 9:00 am
9:00 – 10:00 am
10:00 – 10:30 am
10:30 am
Noon – 2:00 pm
2:15 pm
4:00 – 5:00 pm
It’s Our Move.
visit www.texasmba.org/seminar
for detailed schedule
and about time.
DEADLINE - Oct 23
Sponsors.Tabletop-Exhibits.
Program Advertising.
Each of the above will receive additional recognition in the Seminar Program and
signage if order and materials are received in the TMBA office before October
23rd.
4
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TMBA Mortgage Roundup
September | October 2009 Volume XVII Issue V
SESSION TOPICS
EVENTS
Mutating Modifications: The Changing Nature
of the Home Affordable Modification Program
This session will discuss Home Affordable
Modifications, where we are, where we are headed,
and answers to all the questions you wanted to ask
but could not or did not.
Panelist:
Dave Worrall - Fannie Mae, VP for Operations
TBD - Freddie Mac
TBD - FHA
Golf Tournament
The Hills of Prestonwood Country Club
6600 Columbine Way | Plano, TX 75093
mon, nov 16th 10:00 am
*All players must be registered for the Seminar
in order to participate in the golf tournament.
Sponsorships are still available for golf.
FML UnRUN Challenge
S.A.F.E. Act: Are You Ready?
The Secure and Fair Enforcement for Mortgage
Licensing Act of 2008 (S.A.F.E. Act) that became
law in July of 2008 will impact all mortgage loan
originators. This law will have a significant affect
on loan originators employed by mortgage bankers.
In this session you will learn key objectives of the
Act and who’s in charge of enforcement. You will
also develop a clear understanding of who must
be licensed and who may simply register under the
Act.
Speaker: H. Clifford Long
Net Revenue VS Retail Branch Models:
The Ins & Outs of Branch Profitability Comp Plans
Moderator: Ian Wright, IMW Consulting, LLC.
Panelists:
Todd Salmans, President - Prime Lending
Ray Daniel, CMB, EVP - Network Funding LP
Linda Davidson, Net Revenue Operator - SFMC, LP
Alphabet Soup: How to Most Efficiently Manage
The Future Mortgage Leaders UnRUN is back by
popular demand! The FML Challange requires no
running shoes and proceeds benefit the FML/James
M. Wooten Scholarship fund.
The $30 registration fee will get you a t-shirt, two
drink tickets, and a great networking opportunity.
mon, nov 16th 5:00 - 6:00 pm
FML/James M Wooten
Scholarship Fund
The TMBA Future Mortgage Leaders (FML)
Program is dedicated to identifying and cultivating
the next generation of industry leaders by
awarding several scholarships to the MBA Future
Mortgage Leaders program.
The Scholarship was developed in 1993 and
has since become the primary focus for the
Future Mortgage Leaders. Now called the Future
Mortgage Leaders/James M. Wooten Scholarship,
the program was designed focus on developing
new leaders who will guide our organization and
our industry in the years to come.
the New ABC’s of Mortgage Lending
Moderator: Tracy Maynard Cole – Colonial National Mortgage
Panelists:
Robert A. Cook, Managing Partner - Hudson Cook, LLP
Debbie Dunn – CTX Mortgage Company
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Scholarship Application
Scholarship applications are accepted each year
by DECEMBER 1! If you are interested in applying
contact the TMBA office or visit www.texasmba.
org to complete the application and for more
information.
www.texasmortgagelicensing.org
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| October 2009 Volume XVII Issue V
TMBA | 59th Annual Educational September
Seminar
& Marketplace
TMBA Mortgage Roundup
Registration Form
November 16 & 17, 2009 | Westin Galleria | Dallas, Texas
Please copy and use one registration form per attendee unless you are signing up as a group registration.
Attendee Information
first name
last name
middle initial
company
title
mailing address
city
state
phone
zip
email
fax
Are you a first time attendee?
Do you have any special needs addressed by the American Disabilities Act?

Yes


Yes

No
No
– if yes, please attach a statement regarding any particular needs you may have and someone from our office will contact you.
Where did you hear about the Annual Educational Seminar & Marketplace?
TMBA website


TMBA Newsletter

Email Blast
Postcard


Other :
Registration Fees
Please use one registration form per attendee
before Oct 5th
after Oct 5th
 member
$175
$225
 non-member
$300
$350
Group rate*
 members
$135
$185
 non-members
$260
$310
*To receive the group rate, there must be at least six (6) attendees from the same company registering at the same time.
All group registration forms must be submitted together for the group rate to apply.
EventTickets
handicap

Golf
before Oct 5th
after Oct 5th
$125
$140
qty ordering

Un-Run Race (includes t-shirt)
$30 per person
$30 per person

President’s Reception*
$50 per person
$50 per person
*one reception ticket included with registration. Extra tickets are available and must be purchased by a seminar attendee.
Payment
Check enclosed (payable to TMBA)


CC number
card holder first name
AMEX

MC

Visa
Total amount due:
expiration date
CVV2#
last name
signature
billing address (if different from above)
city
state
zip
Total amount paid:
mail registration form to TMBA, 823 Congress Ave, Ste 220, Austin, Texas 78701
fax registration form to 512.480.8621or register online at www.texasmba.org/seminar
6
Texas Mortgage Bankers Association | 823 Congress Ave, Ste 220, Austin, Texas 78701 | 512.480.8622 p | 512.480.8621 f
www.texasmba.org

www.texasmortgagelicensing.org
TMBA Mortgage Roundup
September | October 2009 Volume XVII Issue V
Sponsors
THANK YOU
Seminar Sponsor
Affiliated Mortgage
Bank of America Mortgage
Bankers Insurance Service
Barrett Daffin Frappier Turner & Engel, LLP
BBVA Compass Bank
Beadles, Newman & Lawler, PC
Black, Mann & Graham, LLP
Brown, Fowler & Alsup
CitiMortgage
Colonial National Mortgage
Commerce Title
Cornerstone Mortgage Company
Dallas Mortgage Bankers Association
Envoy Mortgage
Fannie Mae
First Continental Mortgage Company
Fort Worth Mortgage Bankers Association
Freddie Mac
Gregg & Valby, LLP
Houston Capital Mortgage
Houston Mortgage Bankers Association
Houstonian Mortgage Group, Inc.
Ken Hughes & Associates, PC
Lawyers Title/Commonwealth Land Title
Legacy Mutual Mortgage/Gardner Financial
Services LTD
Litton Loan Servicing LP
McGlinchey Stafford and Youngblood & Associates, LLP
MetLife Home Loans
Mortgage Guaranty Insurance Corporation
Patriot Bank Mortgage
PeirsonPatterson, LLP
Platinum Title Partners
Polunsky & Beitel, LLP
PrimeLending
PrimeWest Mortgage Corporation
Primus Services Group LLC
Radian Guaranty, Inc.
Republic Mortgage Insurance Company
Republic Title of Texas
Robert A. Schlanger, PC
Robertson | Anschutz
Rocky Mountain Mortgage Company
Sente Mortgage
ServiceLink
Southwest Securities, FSB
Stewart Lender Services
SWBC Mortgage Corporation
Taylor Bean & Whitaker
Texas Capital Bank, N.A.
Wells Fargo Home Mortgage
59
Golf Lunch Sponsor
Orion Financial Group, Inc
Hole Sponsors
EMortgage Logic, LLC
McGlinchey Stafford and
Youngblood & Associates, LLP
Mortgage Banking Solutions
Network Funding LP
Outsource Solutions, LLC
PrimeLending
ProDovis Mortgage, LLC.
th
Annual
as of October 6, 2009
Educational Seminar & Marketplace
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OPPORTUNITIES.
MARKETING. SPONSORSHIP
Educational Seminar & Marketplace
TMBA Mortgage Roundup
September | October 2009 Volume XVII Issue V
Tabletop-Exhibit Opportunities
TMBA is excited to offer this extraordinary networking event
to your company. With the licensing, education updates
statewide, we anticipate a larger than normal crowd at
the already popular event. As an exhibitor, you have the
opportunity to showcase your products and services and
plenty of time to network and create business opportunities.
To reserve your table, please complete the tabletop
reservation form (www.texasmba.org/seminar) and return
with payment to the TMBA office. SIgn up before October
23rd to get your name in the Seminar Program.
Program Advertising
full page 5 x 8 inches, $500 each
half page 5 x 3 3/4 inches, $250 each
business card 2 x 3 1/2 inches, $125 each
*ads must be submitted with appropriate image size and
resolution (300 dpi).
Contact TMBA (jpowers@texasmba.org) before October
23rd if you are interested in advertising in the program.
Sponsorship Levels
TMBA depends on the continued support of its sponsors to
develop quality programming and networking opportunities
for its members. To express our appreciation for your
generous contributions, we have expanded the menu of
benefits to bring you a higher level of recognition. To sign
up as a sponsor please complete the Sponsorship form
(www.texasmba.org/seminar) and return to the TMBA office
by mail or fax to 512.480.8621.
59
Golf Sponsorships
As our golf tournament participation increases each year, so
does your visibility to other mortgage banking professionals!
Complete a sponsorship form to sign up.
Lunch - $1500 - SOLD
Beverage Cart
- $1000 (your own)
- $500 (co-sponsor)
Awards Sponsor - $750
Hole Sponsor - $300
Hole-in-One - $350
th
Annual
visit www.texasmba.org/seminar and select marketing
opportunites for details and order form.
8
www.texasmba.org
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www.texasmortgagelicensing.org
TMBA Mortgage Roundup
September | October 2009 Volume XVII Issue V
Moving Past the Meltdown
Posi�oning yourself for the new market.
������
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Warehouse Lending
1:00 pm Registration
Learn about net worth requirements, products, eligibility, and overlays.
How do you get started in this market?
2:00 – 3:15 pm Warehouse Lending
3:30 – 5:00 pm Dealer Panel
Dealer Panel
When will the MBS market return? What is selling/buying today?
What is to come and what to look out for?
5:30 – 7:00 pm Reception
�
Dinner - on-your-own*
�������������
State of the Industry
8:00 am Registration & Continental Breakfast
Mergers & Acquisitions
8:50 – 9:00 am Welcome
Who is buying failed banks? Who is expanding, and what
opportunities are there for strong companies?
9:00 – 10:00 am State of the Industry
10:00 – 11:00 am Mergers & Aquisitions
Business Model Strategies
Is your Business Positioned for the future? Retain vs. Released,
using a sub-servicer, pipeline management (diversification), risk
management, and servicing valuation.
What Does Selling Released Look Like Today?
What are they looking for in a correspondent? What products are
they buying and what is their general strategy?
11:30 – 1:00 pm Lunch & Keynote
keynote
1:30 – 2:30 pm Business Model Strategies
2:30 – 3:30 pm Selling Released Today
3:30 - 4:30 pm Refreshments & Networking
*subject to change (as of 10/2/09)
visit www.texasmba.org/secondary for updates.
�����������������������������
Meet with your clients at the many restaurants along the Woodlands Waterway (similar to San Antonio’s Riverwalk).
The Woodlands Waterway is located right outside the Marriott Hotel and connects to the Woodlands Mall and the
Cynthia Woods Mitchell Pavilion and Town Green Park.
*more dining and entertainment: www.thewoodlandscvb.com
DINING AND ENTERTAINMENT
for you and your clients.
Southern Secondary
Market Conference February 2 & 3, 2010
Texas Mortgage Bankers Associ a t i o n
Marriott Woodlands Waterway | The Woodlands, TX
P 800.228.9290 | 1601 Lake Robbins Dr, The Woodlands, TX 77380
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. t e xSte
a s220
m b|aAustin,
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 78701
www.texasmortgagelicensing.org
823 Congress
| p 512.480.8622 | f 512.480.8621 | www.texasmba.org
9
| October 2009 Volume XVII Issue V
TMBA | Southern Secondary September
Market
Conference
February 2 & 3, 2010 | Marriott Woodlands Waterway | The Woodlands, TX �����������������
TMBA Mortgage Roundup
Please copy and use one registration form per attendee.
��������������������
first name
last name
middle initial
company
title
mailing address
city
state
phone
zip
email
fax
Are you a first time attendee?

Yes

No
Do you have any special needs addressed by the American Disabilities Act?  Yes  No
– if yes, please attach a statement regarding any particular needs you may have and someone from our office will contact you.
Where did you hear about the Conference?
 TMBA website  TMBA Newsletter 
Email Blast
Trade Magazine Ad


Other :
�����������������
Please use one registration form per attendee
 member
 non-member
by Jan 4th
$249
$374
after Jan 4th
$299
$424
�������������������������
Staying at the Marriott Woodlands Waterway Hotel and Convention Center puts you in the center of The Woodlands, TX. This includes easy access to entertainment venues, retail shops, upscale restaurants, and Houston, Texas. We are a state of the art hotel
offering a distinct setting for your next visit or meeting.
Call 800.228.9290 for room reservations.
$179.00 single/double | *make your reservations by January 4, 2010.
�������
Check enclosed (payable to TMBA)


CC number
card holder first name
AMEX

MC

Visa
Total amount due:
expiration date
CVV2#
last name
signature
billing address (if different from above)
city
state
zip
Total amount paid:
mail registration form to TMBA, 823 Congress Ave, Ste 220, Austin, Texas 78701
or fax registration form to 512.480.8621
register online www.texasmba.org/secondary
Texas Mortgage Bankers Association | 823 Congress Ave, Ste 220, Austin, Texas 78701 | 512.480.8622 p | 512.480.8621 f
www.texasmba.org

www.texasmortgagelicensing.org
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source:newsletter
website
source:
TMBA Mortgage Roundup
September | October 2009 Volume XVII Issue V
Texas Mortgage Bankers Association
leading Texas real estate finance industry since 1917
Your Profession. Your Questions. All
Since 1917, Texas Mortgage Bankers Association (TMBA) has
played an active role in educating our members and those
in the residential mortgage industry. The Texas mortgage
lending community has turned to Texas Mortgage Bankers
Association for its leadership in industry education, legislative
and regulatory initiatives and peer interaction. Today, TMBA’
continues to serve the mutual interests of its members in
order to preserve, enhance and advance the mortgage
lending and real estate finance business in the state of Texas.
The Answers.
deadline!
Mortgage banker loan originators must
pass the national and state components
of the SAFE Act mandated exam and
have taken the 20 hours of approved prelicensing course work by March 31, 2010.
march 31, 2010
questions?
www.texasmortgagelicensing.org has answers to all your questions.
When should a mortgage lender file the MU1 and MU2? Can the 20 hours required for the license be online
classroom? Definition of “residential mortgage loan originator.” Credit report? How do I stay up-to-date on Texas prelicensing and continuting education standards?
823 Congress Ave, Ste 220, Austin, TX 78701 | 512.480.8622 p | 512.480.8621 f | www.texasmba.org | www.texasmortgagelicensing.org
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TMBA Mortgage Roundup
September | October 2009 Volume XVII Issue V
Legislative | Regulatory Efforts.
There were tremendous challenges in the 2009 Texas Legislative session
prompted by legislators who believe a more restricted and regulated
system of mortgage lending should be adopted in Texas. 7,419 House and
Senate bills were introduced in the last legislative session. With TMBA
and its lobbying efforts, three key bills support and developed by TMBA
were approved and none of the legislation opposed by TMBA passed.
The three primary bills that TMBA actively supported and
which have now become law are:
TMBA successfully opposed bills that would have resulted
in:
• HB 10 – the Texas version of the “model act” being
adopted by all states to implement the federal S.A.F.E.
legislation for licensing and regulating residential mortgage
loan originators. The legislation contains all of the minimum
standards and requirements of the federal law but does
not impose any additional requirements that would be
objectionable. TMBA was involved in every stage of the
drafting of that legislation and in its passage.
• Legislation to prohibit a lender from using a credit score in
setting a borrower’s interest rate.
• Legislation that provided that the owner of residential real
property could file a lawsuit against a lien holder within 30
days after a foreclosure sale “for a claim that arises out of
the transaction under which the lien attached, regardless of
whether the action would otherwise be barred by limitation”.
Stated another way, a borrower could sue a lender on the
original loan within 30 days after a foreclosure sale even if
the original loan had been made 10 or 15 years earlier.
• HB 2779 – This legislation amends the Texas Mortgage
Banker Registration Act to provide the regulatory structure
for the licensing and regulation (pursuant to the provisions of
HB 10) of mortgage banker loan officers who originate home
loans. The legislation was drafted by TMBA. Although there
were a couple of technical changes made in the legislation
during its passage, there were no objectionable provisions
that were inserted.
• HB 2774 – The Texas Savings and Mortgage Lending
Department, the Texas Department of Banking, and the
Office of Consumer Credit Commissioner (all of which
are governed by the Finance Commission) are funded by
fees paid by individuals and entities who are regulated by
those agencies. They receive no tax dollars. However,
the monies they receive can be spent presently only if and
how appropriated or designated by the Texas Legislature.
The provisions added to HB 2774 removed the Finance
Commission agencies from the legislative budget process.
That will permit them to hire and retain the most competent
and qualified people. This legislation is important to
mortgage bankers since the Texas Department of Savings
and Mortgage Lending presently registers mortgage bankers
and will be the agency that licenses and regulates mortgage
banker residential loan officers.
12
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
• Legislation which would have extended from the present
20 day time period to 60 days the minimum time of notice
of foreclosure and which would require the foreclosing lien
holder to publish notice of the foreclosure (with extensive
information specified in the legislation) once a week for
four weeks in a local newspaper prior to foreclosure. It
was estimated that this requirement could cause a Houston
foreclosure to cost more than $3,000 for the publication
requirement if the notice was published in the Houston
Chronicle.
• Legislation adding extensive new duties on a residential
mortgage servicer including (1) any fee incurred by the
servicer and assessed to the debtor must be assessed
within 45 days with a clear explanation or the fee is
waived, (2) a payment (even if it is insufficient) must be
credited within one business day of the date received or
an explanatory notification must be provided to the debtor,
and (3) the mortgage servicer must maintain records of any
dispute or error and provide detailed information if requested
by the debtor.
continued on page 18
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TMBA Mortgage Roundup
September | October 2009 Volume XVII Issue V
Legislative | Regulatory Efforts. continued.
• Legislation that would prohibit a lender from refinancing
an existing home loan unless the new loan has a
“reasonable, tangible net benefit to the borrower
considering all of the circumstances, including the terms of
the new and refinanced loan and the borrower’s stated loan
objectives, repayment ability, current and expected income,
and current obligations”. The concern, of course, is that
this subjective determination requirement would generate
disputes and litigation.
• Legislation that would require 60 to 90 day mediation on
a defaulted home loan before the mortgage servicer could
foreclose.
• Legislation that would authorize a debtor on a “subprime
mortgage” (as defined in the legislation) and negative
amortization loans to defer foreclosure for up to 270 days.
• Legislation that would set a maximum interest rate of
9% on consumer loans (which obviously would include
home loans) and would limit a late payment to $5 and also
provide that no late payment fee could be levied against a
senior citizen, anyone disabled, or low income individuals.
• Legislation that would have mandated a standard form
of a payoff statement for home loans which a lender or
mortgage servicer would be required to complete and
provide if requested. The lender or mortgage servicer
would be bound by the amount on this payoff statement for
purposes of closing a transaction. Any amounts remaining
owed because of a mistake by the lender or mortgage
servicer would not constitute a lien against the property (as
is the current law) but would remain the personal liability of
the borrower.
• Legislation requiring a lender to contact the debtor in
person or by telephone to advise the debtor of a home loan
default and the opportunity to cure.
• Legislation that would have required lenders to provide
to borrowers in connection with default and opportunity
to cure notices (1) a description of the options available
to debtor to prevent foreclosure (lawsuit?) and (2) a
description of and warning against “typical activities that
may be encountered by the debtor in connection with the
foreclosure, including unconscionable actions or courses of
action” (apparently, some form of deceptive trade practice
act recitation).
• Legislation that would have required judicial – rather than
the current non-judicial – foreclosure of certain types of
loans, including most ARMs.
• Legislation that would have a required a filing in
connection with a notice of foreclosure of extensive
information about the loan being foreclosed upon,
including: (1) the type of lien being foreclosed, (2) the initial
interest rate on the loan, (3) the origination and maturity
dates of the loan, (4) the initial amount of the debt, (5)
whether the loan allows negative amortization or payment
of interest only, (6) extensive information about the index if
the interest rate could change, (7) whether the loan allows
for a scheduled payment that is more than twice as large as
the initial payment, (8) whether the loan has a prepayment
penalty or allows for a change in interest rate when there
is a default by the debtor or a decrease in the debtor’s
credit score, (9) the type of default (whatever that means),
(10) demographics of the debtor (whatever that means),
(11) whether the property was the debtor’s residence, and
(12) the Zip Code of the property. This extensive litany is
provided to demonstrate just how impractical the legislation
would have been.
• Legislation that would have required a $150 filing fee on
every mortgage foreclosure with the money to be used for
indigent legal services.
• Legislation that would have required mandatory
counseling before a lender could make certain types of
home loans to borrowers.
w w w . t e x a s m b a . o rg

www.texasmortgagelicensing.org
13
TMBA Mortgage Roundup
September | October 2009 Volume XVII Issue V
2009
TMBPAC
Mission. To provide
funds and direction for action
to be taken on legislative
initiatives.
Importance
Decisions made by the State Legislature impact not only your
livelihood, but your customer’s access to mortgage money as
well. In order for our voice to be effective in the legislature,
we must be successful at raising funds. We have the ability
to support candidates who share our industry views. Also, we
have a responsibility to protect not only our businesses, but
an availability of competitive mortgage money to consumers.
TMBPAC is a vehicle for individuals to collectively become
involved in the political process in support of issues important
to their work and lives.
Getting Involved
Your TMBPAC contribution reflects the commitment of our
industry statewide and works collectively with that of other
mortgage industry professionals to help candidates favorable
to our issues. Help protect the mortgage industry in Texas by
making a contribution to the TMBPAC today!
To start your own company campaign, contact TMBPAC Chair
Tim Fisher at tfisher@fcmchou.com.
Visit www.texasmba.org for more information or to donate
today. Contribution forms are available onsite.
*All PAC contributions, like all other political contributions, must be
made by individuals. Contributions can be accepted from individuals,
sole proprietorships, partnerships and other political action committees.
Corporation’s cannot fund TMBPAC. Mortgage bankers who operate as an
individual or on an entrepreneur basis can contribute in that individual capacity.
All political contributions are of public record and all PAC’s are required to make
periodic reports to the Texas Ethic’s Commission of all contributions received
and all contributions made to candidates. A PAC can make a contribution to
another PAC unless it is precluded by its bylaws or governing documents.
Contributions made to the TMBPAC are neither deductible as a business
expense nor as a charitable contribution. Make your contribution online today!
THANK YOU
for your support!
14
www.texasmba.org

Judith A. Belanger, Cornerstone Mortgage Company
Shawn Black, Black, Mann & Graham, LLP
Vickie Bourassa, Colonial National Mortgage
David Bravo, Cornerstone Mortgage Company
Aaron Bush, First Continental Mortgage Company
Michael Bye, Lender Processing Services
Kristin Carroll, Sente Mortgage
Linda Clampitt, Colonial National Mortgage
Clifton A. Crabtree, First Continental Mortgage Company
Nancy Darden, Colonial National Mortgage
Richard Davis, First Continental Mortgage Company
Susan Davis, First Continental Mortgage Company
Bill Dawley, First Continental Mortgage Company
Michael Farris, PeirsonPatterson, LLP
Timothy Fisher, First Continental Mortgage Company
Cheryl Freeman, First Continental Mortgage Company
Kendall A. Garrison, First Continental Mortgage Company
Diane M. Gleason, Black, Mann & Graham, LLP
Dana Gompers, CMB, Envoy Mortgage
Jonathan M. Grafflin, Chase
J. Kevin Gugenheim, ServiceLink
Kittie Gugenheim, Mortgage Guaranty Insurance Corporation
Ronald E. Hames, First Continental Mortgage Company
Windy Hartl, First Continental Mortgage Company
Mike Holtkamp, Amegy Mortgage Company, LLC
Roan King, First Continental Mortgage Company
Debra A. Kingston, First Continental Mortgage Company
Michael Lima, Fannie Mae
Robin Lyons, Black, Mann & Graham, LLP
Grace M. Maher, First Continental Mortgage Company
Kay W. Malaise, Colonial National Mortgage
Calvin C. Mann, Jr., Black, Mann & Graham, LLP
Fred McDonald, Great Western Financial Services, Inc.
Barbara Moffett, Colonial National Mortgage
James N. Moore, First Continental Mortgage Company
J. David Motley, CMB, Colonial National Mortgage
Michael Nasserfar, First Continental Mortgage Company
W. Scott Norman, MetLife Reverse Mortgage
Robert D. O’Reilly, MetLife Home Loans
Andy Perlman, First Continental Mortgage Company
Jeff Raich, Mortgage Guaranty Insurance Corporation
Mark Raskin, PrimeLending
Dawn Robinson, PrimeLending
Linda S. Rollins, Black, Mann & Graham, LLP
Cody Sanderlin, First Continental Mortgage Company
Mark R. Sims, Colonial National Mortgage
Thomas Tallent, Colonial National Mortgage
Joe Bob Thompson, FC Lending, Ltd.
Scott R. Valby, Gregg & Valby, LLP
Billy F. Vaughn, Lawyers Title Insurance Corporation
Thomas F. Vetters, II, Robertson | Anschutz
John Watson, Sente Mortgage
Marcia Wilson, Colonial National Mortgage
as of 10/09/09
www.texasmortgagelicensing.org
TMBA Mortgage Roundup
September | October 2009 Volume XVII Issue V
Friends of TMBA
“Friends of TMBA” is a
3-tier individual sponsorship
opportunity which helps support
TMBA education programs
beginning with this year’s
annual convention.
The Seminar Committee will
continue reaching out to
“Friends of TMBA” at this
year’s annual Educational
Seminar & Marketplace event.
Join this prominent list of
supportors by contacting the
TMBA office or Sheree Gilbert.
___________________________
1. Pawn - $25
2. Rook - $100
3. King/Queen - $250 or more
For your support,
your name will be
prominently display on
the applicable event
website, program,
and on-site signage.
w w w . t e x a s m b a . o rg

THANK YOU
Barry R. Baker, CMB
Peggy Baker
Rosemary E. Barbour
Tommy Bastian
Blane L. Bauch
Judith A. Belanger
Thomas R. Bell
Dennis Berry
Stephen Bertrand
Rhiannon Bolen
Jeff Bolen
Karen M. Boots
Mike Brubaker
Steve Builta
Mark Bunting
Valerie Canon
Amy J. Coke
Joe Collins
Pamela Daine
Ray J. Daniel, CMB
Gary Davis
Pam Eastwold
Michelle Esparza
David E. Frase, CMB, AMP
Cathy Gibb
Sheree Gilbert
R. Scott Gillen, CMB
Kevin Gillespie
Jason Gillespie, CMB
Kittie Gugenheim
Kelli Himebaugh
Kyle Keller
Charles E. Klein
Renessa Knowles
Laura C. LaRaia
Stacy London, CMC
H. Clifford Long
Calvin C. Mann, Jr.
Michael McFarland
Paulina S. McGrath
Michael D. Minnis
Carla Moore
Jodie Morgan
Vicki Murphy
Robert D. O’Reilly
Michael Patterson
Cherie Pheiffer
Mary Pirrello, AMP
Melissa Plaisance
KellyAnne Porter
Mark Raskin
Dawn Robinson
Mary Simmons
S. Van Stewart
Billy F. Vaughn
Thomas F. Vetters, II
Chris Viviano
Julie Walker
John Watson
Rob G. Wiggins
Ian Wright, AMP
as if 10/2009
for your support!
www.texasmortgagelicensing.org
15
TMBA Mortgage Roundup
September | October 2009 Volume XVII Issue V
currentTMBA MEMBERSregular members
Mark Abernathy | Capstar Lending, LLC, Austin
Rex Adams | Bank of America Mortgage, Plano
Christine Adams | University Federal Credit Union, Austin
Irma Aguilar | Rocky Mountain Mortgage Company, El Paso
James R. Alexander | New South Federal Savings Bank, Killeen
Chris Allen | Texans Credit Union, Richardson
Michael Allen | Nations Reliable Lending, Houston
Jerry Alred | Classic Home Financial, Inc, Houston
Mylena Alred | Classic Home Financial, Inc, Houston
Rodney Anderson | Supreme Lending, Dallas
Troy Anderson | ProDovis Mortgage, LLC., Arlington
Russell Anderson | Colonial National Mortgage, Plano
Dale H. Andreas, CMB,CPA | Amegy Mortgage Company, LLC, The Woodlands
Tim Ashby | Security Service Federal Credit Union, San Antonio
Donald F. Ashley | North Dallas Bank & Trust Co, Dallas
Phillip R. Askew | NorthMarq Capital, Dallas
Gary Aston | Franklin American Mortgage Company, Irving
Dolan Aucoin | Cendera Funding, Inc, Fort Worth
Buzz Baker | Network Funding LP, Houston
Barry R. Baker, CMB | MSI, N Richland Hills
Peggy Baker | Wells Fargo Home Mortgage, Mansfield
Charles Bangert | ViewPoint Bank, Plano
Heath Barnes | Republic State Mortgage, Houston
Gary Base | ViewPoint Bank, Plano
Tim Beadnell | Indymac Mortgage Services, a Division of OneWest Bank, Austin
Peter Beanland | Wells Fargo Home Mortgage, Southlake
Rob Beesley | TexasLending.com, Dallas
Judith A. Belanger | Cornerstone Mortgage Company, Houston
Brian Bennett | WR Starkey Mortgage, LLC, Plano
Dennis Berry | New South Federal Savings Bank, Austin
Carolyn Bertelson | DHI Mortgage, Austin
Jerry Bevers | Chase Home Finance, Houston
Debbie Bigelow, CMB, AMP | Amarillo National Bank, Amarillo
Paulette Blackmon | Mortgages & More, Inc., Palestine
Kimberly Washington Bledsoe | Southwest Funding, L. P., Dallas
Sean Bobbitt | Indymac Mortgage Services, a Division of OneWest Bank, Austin
Jeffrey E. Bode | Moncor Inc., Addison
Derek Bolls | Cornerstone Mortgage Company, Houston
Dona Bonn | Indymac Mortgage Services, a Division of OneWest Bank, Austin
Karen M. Boots | Affiliated Mortgage, Richardson
John L. Bradley | SWBC Mortgage Corporation, Houston
Mike Bradshaw | Bank of America Mortgage, Plano
Gavin Brady | Indymac Mortgage Services, a Division of OneWest Bank, Austin
Mark Bragg | Residential Credit Solutions, Inc., Fort Worth
Ronald I. Branch | JP Morgan Chase, Houston
Ed Bratton | Chase Home Finance, Dallas
Cameron Breed | SWBC Mortgage Corporation, Austin
Connie Brewton | Indymac Mortgage Services, a Division of OneWest Bank, Austin
Neal S. Brodbeck | Blanco National Bank, Spring Branch
Nancy J. Brooks | National Bank Mortgage Department, Killeen
Shawn Broussard | SFMC, LP, Richardson
Kent Brown | Sente Mortgage, Austin
Tom Brown | New South Federal Savings Bank, Houston
Bruce Brunner | Amherst Funding Group, LP, Austin
Brad Buchanan | CitiMortgage, Inc., Highland Village
Steve Builta | Hometrust Mortgage Co., Austin
Greg Burkett | Preferred Home Loan, Houston
Rhonda Burns | CitiMortgage, Hickory Creek
Diana Burns | Randolph-Brooks Federal Credit Union, Live Oak
Mark Buskuhl | Southwest Funding, L. P., Dallas
Mike Cannatti | Network Funding LP, Austin
Valerie V. Cardenas | International Bank of Commerce, McAllen
Mike Carity | Universal Mortgage Corporation, Mequon
Nancy Carter | TRMS Hedge, San Rafael
Yvonne Case | University Federal Credit Union, Austin
Patrick Casey | Bankers Financial Mortgage Group, Dallas
Rex Chamberlain | Network Funding LP, Houston
Joseph Chapman | Bank of America Mortgage, Houston
Cindy Chism | Bank of America Mortgage, Austin
Wilson Cituettes | Nations Reliable Lending, Houston
16
www.texasmba.org

Linda Clampitt | Colonial National Mortgage, Dallas
James Clapp | WR Starkey Mortgage, LLC, Plano
Robert J. Clemmer | Extracobanks, N.A. Dba Extraco Mortgage, Waco
Lonny Coffey | 1st Advantage Mortgage, L.L.C., Arlington
Sherry Colley | WR Starkey Mortgage, LLC, Plano
Joe Collins | TIB-The Independent Bankers Bank, Irving
Brian Collins | Cendera Funding, Inc, Fort Worth
Richard F. Comparato | MetLife Home Loans, Irving
Brad Cope | CTX Mortgage Company, Dallas
Lydia Cordova | Bank of America Mortgage, El Paso
Eric B. Couch | First Commercial Bank, New Braunfels
Tom Couture | City Bank Mortgage, Lubbock
Clifton A. Crabtree | First Continental Mortgage Company, Houston
Kerri Crabtree | Wells Fargo Home Mortgage, Bedford
Yvette Crabtree Dobbins | Southwest Funding, L. P., Dallas
Larry Crisp | Indymac Mortgage Services, a Division of OneWest Bank, Austin
Marc Croker | 1st Advantage Mortgage, L.L.C., Arlington
Carolyn Crowson | American State Bank Home Loan Center, Lubbock
Pat Crump | Farmers State Bank, Center
Tracey Dace | CitiMortgage, Commerce Township
Darel Daik | Noble Mortgage & Investments, LLC, Houston
Pamela Daine | Everbank, Cypress
Ray J. Daniel, CMB | Network Funding LP, Austin
Kerry Dannenberg | SWBC Mortgage Corporation, San Antonio
Kim Davidson | DHI Mortgage, San Antonio
Linda Davidson | SFMC, LP, Garland
Jerry Davis | ViewPoint Bank, Plano
William Dawley | First Continental Mortgage Company, Houston
Laurie Deck | Randolph-Brooks Federal Credit Union, Live Oak
Chris Denison | Amegy Mortgage Company, LLC, The Woodlands
Patrick L. Dennis | MetLife Home Loans, Irving
Dan Diepenhorst | Legacy Mutual Mortgage/Gardner Financial Services LTD, San Antonio
Mary Dinkins | Cornerstone Mortgage Company, Dallas
Stefanni Doran | Moncor Inc., Addison
Scott Drescher | PrimeLending, Dallas
Janna Dretzka | TexasLending.com, Dallas
James S. DuBose, CMB | Colonial National Mortgage, Fort Worth
Louis Dunnam | HNB Mortgage, Big Spring
Carol Durham | Omni American Bank, Fort Worth
Debby Eastland | Bank of America Mortgage, Plano
Tony Ebers | Indymac Mortgage Services, a Division of OneWest Bank, Pasadena
Norma Edwards | City Bank Mortgage, Lubbock
Jennifer Eggen | Wells Fargo Home Mortgage, Mansfield
Scott A. Everette | Supreme Lending, Dallas
Pat O. Fain | Corsicana National Bank & Trust, Corsicana
Lori A. Falk | CommunityBank of Texas, Beaumont
John Farrell | Colonial National Mortgage, Fort Worth
Timothy Fisher | First Continental Mortgage Company, Houston
Joyce Fisher | Capstar Lending, LLC, Austin
Malcolm Fitzgerrell | Houstonian Mortgage Group, Inc., Stafford
Billy J. Fleming | Texas Star Bank, S.S.B., Lott
Elizabeth Folk | Litton Loan Servicing LP, Houston
Scott Fontenot | Wells Fargo Home Mortgage, Des Moines
Troy A. Fore, Jr. | Intrust Mortgage, Inc., Fort Worth
Robert J. Frank | CBRE Melody of Texas, LP, Dallas
David E. Frase, CMB, AMP | Southwest Securities, FSB, Dallas
Bill R. Frazer | CBRE Melody of Texas, LP, Houston
Cathy Freeman | Franklin American Mortgage Company, Houston
Eric Friedman | Indymac Mortgage Services, a Division of OneWest Bank, Austin
Christopher Gaas | CBRE Melody of Texas, LP, Houston
Russell T. Gaines | Southwest Guaranty, Houston
Mike Gale | Secure Mortgage Company, Houston
Robert D. Gardner | Legacy Mutual Mortgage/Gardner Financial Services Inc., San Antonio
Rosie Garza | International Bank of Commerce, McAllen
James Geeslin | Extracobanks, N.A. Dba Extraco Mortgage, Waco
Lorraine George | Capstar Lending, LLC, Austin
Juli Gerrard | 1st Advantage Mortgage, L.L.C., Arlington
Robert W. Gerrard, Jr. | 1st Advantage Mortgage, L.L.C., Arlington
Cathy Gibb | Bank of America Mortgage, Houston
Gordon B. Gilbert | Cornerstone Mortgage Company, Houston
www.texasmortgagelicensing.org
TMBA Mortgage Roundup
September | October 2009 Volume XVII Issue V
currentTMBA MEMBERSregular members
Kevin Gillespie | CTX Mortgage Company, Dallas
Jason Gillespie, CMB | Southwest Securities, FSB, Arlington
Deborah Ginac | Capstar Lending, LLC, Austin
Bill Glasgow | Indymac Mortgage Services, a Division of OneWest Bank, Austin
Dana Gompers, CMB | Envoy Mortgage, Houston
Gabe Guerra | Kleberg Bank Mortgage Center, Corpus Christi
Patricia Gustafson | Hometrust Mortgage Co., Houston
Nicole Haggard LeBoeuf | Nations Reliable Lending, Houston
Harold W. Hahn | Rocky Mountain Mortgage Company, El Paso
Sherry R. Hall | Omni American Bank, Fort Worth
Tamara Hambright | Southwest Securities, FSB, Arlington
Angela Hamilton | Republic State Mortgage, Houston
Tina Hammel | Patriot Bank Mortgage, Houston
Ron Hampton | First National Bank, Granbury
Myatt Hancock | Hancock Mortgage Partners, LLC, Sugar Land
Bryan Harlan | ARK-LA-Tex Financial Services LLC, Dba Benchmark Mortgage, Plano
Don Harris | Alethes, LLC, Austin
Robert Harry | Residential Credit Solutions, Inc., Fort Worth
Dan Hastings | Affiliated Mortgage, West Monroe
Robert E. Havran | Omni American Bank, Fort Worth
Jana Haynes | Riverbend Bank Dba Riverbend Mortgage, Fort Worth
James Hecht | Bank of America Mortgage, Plano
Jennifer Hedgepeth | DHI Mortgage, Austin
Tad Hensley | AmeriPro Funding Inc, Austin
Walter Henson | Bank of Texas, Dallas
Antonio Hernandez | Amistad Bank, Del Rio
Cecilia Hernandez | Bank of America Mortgage, Bellaire
Jennifer Hernandez | Patriot Bank Mortgage, Houston
Marie Herrin | Amegy Mortgage Company, LLC, The Woodlands
Mike Holtkamp | Amegy Mortgage Company, LLC, The Woodlands
Liz Hopkins | Litton Loan Servicing LP, Houston
J.K. Huey, CMB, AMP | Wells Fargo Home Mortgage, San Antinio
Stewart Hunter | ARK-LA-Tex Financial Services LLC, Dba Benchmark Mortgage, Plano
Pat Hymel | Indymac Mortgage Services, a Division of OneWest Bank, Austin
Bryan Jackson | Southwest Funding, L. P., Dallas
Charles Jackson, III | Bank of America Mortgage, Austin
William Jackson, CMB | NorthMarq Capital, Dallas
Judy James | Legacy Mutual Mortgage/Gardner Financial Services LTD, San Antonio
Joe Jeffries | Bank of America Mortgage, San Antonio
Pam Jenkins | AmeriPro Funding Inc, Austin
Neil Johnson | 1st Advantage Mortgage, L.L.C., Arlington
Don Kalbacher | Legacy Mutual Mortgage/Gardner Financial Services LTD, San Antonio
Bob Kane | New South Federal Savings Bank, Birmingham
David R. Kapavik | Lone Star Bank S.S.B., Moulton
Kim R. Karr, III | Wells Fargo Home Mortgage, Ellisville
Lisa Kay | Everbank, Dallas
Amy Keen | DHI Mortgage, Austin
Tracy L. Kell | Willow Bend Mortgage, Plano
Ann Kelley | Litton Loan Servicing LP, Houston
Michael L. Kennemer | Moncor Inc., Addison
Kale Kibbe | CBRE Melody of Texas, LP, Houston
Dan Killian | Guaranty Bank, Dallas
Keith Kitterman | Everbank, Dallas
Darcus Kluge | Colonial National Mortgage, Fort Worth
William Knapp | Hometrust Mortgage Co., Houston
Renessa Knowles | PrimeWest Mortgage Corporation, Lubbock
Norman Koch | First Star Bank, Bremond
Sharlow Koehl | Franklin Bank, SSB, Houston
Linda Komm | SWBC Mortgage Corporation, Austin
Tim Kongenske | First Mortgage Home Lending
dba/ Victory Mortgage, Flower Mound
Kathy Kreskai | SWBC Mortgage Corporation, Spring
James Kucherka | Texell Federal Credit Union, Temple
David L. Kuebler | New South Federal Savings Bank, Killeen
Eric Kugler | RMC Vanguard Mortgage Corporation, Houston
Todd Kurio | Capstar Lending, LLC, Austin
Marc N. Laird | Cornerstone Mortgage Company, Houston
Linda Lane | Premier Capital Lending, Arlington
Wayne C. Lapham | Republic State Mortgage, Houston
Brandon Latman | Indymac Mortgage Services, a Division of OneWest Bank, Pasadena
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Max Leaman | PrimeLending, Round Rock
Mary Legate | GenEquity Mortgage, Inc., Irving
Damon Leonetti | SunTrust Mortgage, Inc., Houston
Dee Anne Lerma | Litton Loan Servicing LP, Houston
Royce C. Lewis, III | Capital Mortgage Services of Texas, Lubbock
Jack Lieberman | USA Mortgage Funding, LLC, Austin
Linda Litt | Southwest Funding, L. P., Dallas
Ron Litt | Southwest Funding, L. P., Dallas
Larry B. Litton, Sr. | Litton Loan Servicing LP, Houston
Larry B. Litton, Jr. | Litton Loan Servicing LP, Houston
Lance Logan | WR Starkey Mortgage, LLC, Plano
Stacy London, CMC | Houston Capital Mortgage, Houston
Gil Lopez, III | GL Consulting LLC, Spring
James L. Ludman | The First National Bank of Jacksboro, Dba The Highlands Bank, Dallas
Lance Ludman | WR Starkey Mortgage, LLC, Plano
Sonya Luechauer | DHI Mortgage, Austin
Kirby Luechauer | DHI Mortgage, Austin
Doug Luza | Chase Home Finance, Houston
Sharon Lynn | New South Federal Savings Bank, Birmingham
Rob Macioce | Sente Mortgage, The Woodlands
Jeffrey T. Majewski | CBRE Melody of Texas, LP, Houston
Pete Makowiecki | MetLife Home Loans, Irving
Mike Manley | Security Service Federal Credit Union, San Antonio
Rob W. Marr | Comerica Bank, Mortgage Banker Finance, Detroit
Bernie Martinek | ESB Mortgage Company, Ennis
Karen Mastro | Indymac Mortgage Services, a Division of OneWest Bank, Pasadena
Allen Maulsby | Colonial National Mortgage, Fort Worth
Jeff Mayer | BBVA Compass Bank, San Antonio
Tracy Maynard Cole | Colonial National Mortgage, Fort Worth
Janice McClure | Litton Loan Servicing LP, Houston
Ron McCord | First Mortgage Home Lending
dba/ Victory Mortgage, Flower Mound
Michael O. McCoy | Mission Mortgage of Texas, Inc., Austin
Leigh Ann McCoy | Mission Mortgage of Texas, Inc., Austin
Kathryn McCoy | University Federal Credit Union, Austin
Marcus T. McCue | Guardian Mortgage Company, Inc., Plano
Deborah L. McDonald | First Continental Mortgage Company, Houston
Dayna D. McElreath | Pioneer Bank, SSB, Dripping Springs
Paulina S. McGrath | Republic State Mortgage, Houston
Patti McKee | ViewPoint Bank, Plano
James C. McMahan, II | ARK-LA-Tex Financial Services LLC
Dba Benchmark Mortgage, Plano
Lawrence J. Melody | CBRE Melody of Texas, LP, Houston
David Melrose | Dallas Home Loans, Inc., Plano
Christopher H. Meyers | Cornerstone Mortgage Company, Houston
Terri Miles | Mission Mortgage of Texas, Inc., Austin
Kindra Miller | CitiMortgage, Irving
Kevin Miller | TexasLending.Com, Dallas
Katie Miller | TexasLending.com, Dallas
Christy Miller | Cendera Funding Inc., Fort Worth
Keith Mills | Franklin American Mortgage Company, Irving
Rick Mincher | Mission Mortgage of Texas, Inc., Austin
Jim Minge | Randolph-Brooks Federal Credit Union, Live Oak
Robert C. Mitchell | Cherry Creek Mortgage Co., Inc., Greenwood Village
Terry Mobly | Colonial National Mortgage, Fort Worth
Pat Monahan | Indymac Mortgage Services, a Division of OneWest Bank, Austin
Tom Monroe | Republic State Mortgage, Dallas
Jodie Morgan | CitiMortgage, Coppell
Bruce Morris | Residential Credit Solutions, Inc., Fort Worth
J. David Motley, CMB | Colonial National Mortgage, Fort Worth
George A. Mountcastle | Iberiabank Mortgage Company, Bedford
James A. Nastars | University Federal Credit Union, Austin
Rebecca Nickolson | HNB Mortgage, Marble Falls
Diane Nish | Bank of America Mortgage, Plano
W. Scott Norman | MetLife Reverse Mortgage, Austin
Carol Norton | Indymac Mortgage Services, a Division of OneWest Bank, Austin
Kelly O’Bannon | Residential Credit Solutions, Inc., Fort Worth
Gene O’Bannon, CMB | ProDovis Mortgage, LLC., Arlington
Robert D. O’Reilly | MetLife Home Loans, Austin
John Olinski | Indymac Mortgage Services, a Division of OneWest Bank, Pasadena
www.texasmortgagelicensing.org
17
TMBA Mortgage Roundup
September | October 2009 Volume XVII Issue V
currentTMBA MEMBERS regular members
Thomas Orr | Network Funding LP, Houston
Chad Overhauser | AmeriPro Funding Inc, Austin
Laura Owings | ProDovis Mortgage, LLC., Arlington
Jim Palmer | SWBC Mortgage Corporation, Austin
Jim Parks | ViewPoint Bank, Plano
John Parres | Indymac Mortgage Services, a Division of OneWest Bank, Austin
Zachry Parrott | Bank of America Mortgage, Plano
Andy Perlman | First Continental Mortgage Company, Houston
Kathleen Pfeiffer | Security Service Federal Credit Union, San Antonio
Marcia F. Phillips | Guardian Mortgage Company, Inc., Richardson
Julie Piepho | Cornerstone Mortgage Company, Houston
Mary Pirrello, AMP | Southwest Securities, FSB, Arlington
Craig Pizer | DHI Mortgage, Austin
Adam Pongrass | WR Starkey Mortgage, LLC, Plano
Michael Porter | MetLife Home Loans, Irving
Robert Power | Bank of America Mortgage, Plano
Randy Present | DHI Mortgage, Austin
Corinna Pryor | Indymac Mortgage Services, a Division of OneWest Bank, Austin
Tammy Pullen | Cornerstone Mortgage Company, Houston
Maria Quinones | Envoy Mortgage, Houston
Sharon E. Randle | Amegy Mortgage Company, LLC, The Woodlands
Mark Raskin | PrimeLending, Dallas
Owen Raun | RMC Vanguard Mortgage Corporation, Houston
Kimberly Redd | Indymac Mortgage Services, a Division of OneWest Bank, Austin
Mark Reed | New South Federal Savings Bank, Killeen
Ronald E. Reese | NorthMarq Capital, Dallas
Mary Reynolds | Alethes, LLC, Austin
Tom Rhodes | Sente Mortgage, Austin
Eddie Rinehart | Treaty Oak Mortage, Austin
Von L. Ringger | Comerica Bank, Mortgage Banker Finance, Detroit
Brandi Ripple | Alethes, LLC, Austin
Bill J. Roberson | SWBC Mortgage Corporation, San Antonio
Laurie Roberts | University Federal Credit Union, Austin
Jeff Roberts | Litton Loan Servicing LP, Houston
Dawn Robinson | PrimeLending, Dallas
Pamela Robinson | Texas Capital Bank, N.A., Dallas
David Rockaway | FixFunding, LLC, Dallas
Ron Rogers | PrimeWest Mortgage Corporation, Lubbock
Mark Rogers | Residential Credit Solutions, Inc., Fort Worth
Shane Ross | Litton Loan Servicing LP, Houston
Kay Roubadeaux | SFMC, LP, Richardson
Todd Salmans | PrimeLending, Dallas
Sandra Samaniego | Rocky Mountain Mortgage Company, El Paso
Cody Sanderlin | First Continental Mortgage Company, Houston
Noll E. Saunders | Southwest Funding, L. P., Frisco
Joy Savage | Affiliated Mortgage, San Marcos
Pamela Scheuerle | TexasLending.com, Dallas
Jeff Schmidt | SWBC Mortgage Corporation, Arlington
Craig Schrank | Willow Bend Mortgage, Plano
Lynda Schultz | SWBC Mortgage Corporation, San Antonio
Stephanie Sealey | Comerica Bank, Mortgage Banker Finance, Dallas
Barb Sedall | Indymac Mortgage Services, a Division of OneWest Bank, Austin
John Segrest | Kleberg Bank Mortgage Center, Corpus Christi
Eddie Self | Patriot Bank Mortgage, Dallas
Scott Sewell | Hometrust Mortgage Co., Houston
Kay Shelley | Omni American Bank, Fort Worth
Mark Short | Guaranty Bank, Dallas
Josh Sigman | Legacy Mutual Mortgage/Gardner Financial Services LTD, San Antonio
Mark R. Sims | Colonial National Mortgage, Fort Worth
Matthew Skoglund | Bank of America Mortgage, Plano
Russ Smith | Bank of America Mortgage, Plano
Steve Smith | Bank of America Mortgage, Plano
Chuck Smith | San Antonio Federal Credit Union, San Antonio
Danny L. Smith | Alethes, LLC, Austin
Suzanne Smith | HNB Mortgage, Midland
Pam Smithey | Chase Home Finance, Dallas
Doug Snyder | Chase Home Finance, Austin
William R. Starkey, Jr. | WR Starkey Mortgage, LLC, Plano
Susan T. Stewart | SWBC Mortgage Corporation, San Antonio
S. Van Stewart | SWBC Mortgage Corporation, San Antonio
18
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Ken Stiles | Premier Capital Lending, Arlington
Debbie Stiles | Premier Capital Lending, Arlington
Jenny Stilwell | Guaranty Bank, Dallas
Brian Stoffers, CMB | CBRE Melody of Texas, LP, Houston
Dennis Stowe | Residential Credit Solutions, Inc., Fort Worth
Paul M. Stranz | Bank of America - Southwest Region, Dallas
John Svetina | Bank of America Mortgage, Plano
Douglas P. Sweet | Guardian Mortgage Company, Inc., Richardson
Gregory J. Sweet | Guardian Mortgage Company, Inc., Richardson
Jack D. Sweet | Guardian Mortgage Company, Inc., Richardson
Thomas Tallent | Colonial National Mortgage, Fort Worth
Lesa Taylor | 1st Advantage Mortgage, L.L.C., Arlington
Gerald R. Taylor | Bankers Financial Mortgage Group, Dallas
Rich Taylor | Patriot Bank Mortgage, Houston
Leigh Taylor | Amherst Funding Group, LP, Austin
Scott Taylor | GenEquity Mortgage, Inc., Irving
Andrew Taylor | Franklin American Mortgage Company, Irving
David Thompson | Dallas Home Loans, Inc., Plano
D. Richard Thompson | Envoy Mortgage, Houston
Henry Tinajero | Bank of the West, El Paso
Dean Todd | Cherry Creek Mortgage, The Woodlands
Robert Tompkins | Litton Loan Servicing LP, Houston
Manuel Valdes | Chase Home Finance, San Antonio
Jim Van Steenhouse | Interlinc Mortgage, Inc., Conroe
Craig M. Vecchiola | Colonial National Mortgage, Fort Worth
Armando Velazquez | Bank of America Mortgage, Fort Worth
Paul Vincent | RMC Vanguard Mortgage Corporation, Houston
Bart Vincent | Indymac Mortgage Services, a Division of OneWest Bank, Austin
Chris Viviano | Houston Capital Mortgage, Houston
Patricia Wagner | DHI Mortgage, Austin
Robert H. Wagnon | Republic State Mortgage, Houston
Julie Walker | PrimeLending, Dallas
Kimberly Ward | Hancock Mortgage Partners, LLC, Sugar Land
Joe Ware | SWBC Mortgage Corporation, San Antonio
John Watson | Sente Mortgage, Houston
Lance P. Welch | Sage Capital, Boerne
Felicia Wells | Bank of America Mortgage, Richardson
Rob G. Wiggins | Patriot Bank Mortgage, Houston
Victor Williams | Randolph-Brooks Federal Credit Union, Live Oak
Mark Williamson | Guaranty Bank, Dallas
Bill Wills | Bank of America Mortgage,
Marcia Wilson | Colonial National Mortgage, Fort Worth
Mark Winter | DHI Mortgage, Austin
Richard Woodruff | Alethes, LLC, Austin
Trey Worley | Comerica Bank, Mortgage Banker Finance, Dallas
John Wren | New South Federal Savings Bank, Houston
Ian Wright, AMP | IMW Consulting, LLC., Dallas
Don Yount | Southwest Funding, L. P., Dallas
Robert Zearfoss | Randolph-Brooks Federal Credit Union, Live Oak
Shirley Rhea Zimmerman, CMB | Amarillo National Bank, Amarillo
David Zugheri, CMB | Envoy Mortgage, Houston
as of 10/6/2009
www.texasmortgagelicensing.org
TMBA Mortgage Roundup
September | October 2009 Volume XVII Issue V
currentTMBA MEMBERS affiliate members
John G. Aldridge, Jr. | McCalla Raymer, LLP, Atlanta
Wendy Bennetts | Mortgage Builder Software, Wake Forest
Cindy Bonewitz | Interthinx, Fort Worth
Vickie Brouse | Ken Hughes & Associates, PC, Flower Mound
Brad Burney | Taylor, Bean and Whitaker, Little Rock
Craig Doyle | Doyle Legal Corporation, P.C., Indianapolis
John Ducan | McCalla Raymer, LLP, San Diego
Robert Fuchs | SMH Capital, Houston
Ann Fulmer | Interthinx, Tucker
David W. Green | The Stonehill Group, Inc., Atlanta
Thomas Harwell | Fiserv Lending Solutions, South Bend
Kelli Himebaugh | Mortgage Builder Software, Phoenix
Amber Hoffman | Potestivo & Associates, P.C., Rochester Hills
Ken Hughes | Ken Hughes & Associates, PC, Flower Mound
Timothy W. Liston | Associated Software Consultants, Inc., Middlebrg Hts
John C. Martin | Lone Star Title Company of El Paso, El Paso
Bill Mitchell | Mortgage Builder Software, Jupiter
Kim Motsinger | Kroll Factual Data, Loveland
Benjamin Paden | Doyle Legal Corporation, P.C., Indianapolis
Brian Potestivo | Potestivo & Associates, P.C., Rochester Hills
William Sias | SMH Capital, Houston
Keven Smith | Mortgage Builder Software, Southfield
Diane Snodgrass | Kroll Factual Data, Loveland
Stanley M. Street | Street Resource Group, Inc., Atlanta
Angela Veda | Potestivo & Associates, P.C., Rochester Hills
Bill Wooten | MCT Trading, Argyle
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19
TMBA Mortgage Roundup
September | October 2009 Volume XVII Issue V
currentTMBA MEMBERS associate members
Edward Abbott | Freddie Mac, Carrollton
Tama Adair-Williamson | Broadcast Marketing & Entertainment LLC, Austin
J. Alton Alsup | Brown, Fowler & Alsup, Houston
Everett L. Anschutz, Jr. | Robertson | Anschutz, Houston
Paul Anselmo | Signia Docs, Inc., Prosper
Jim F. Avant | Devlin & Pignuolo, PC, Houston
C. Donald Babers | U.S. Department of Housing & Urban Development, Ft Worth
Keith Baker | North Lake College, Irving
Gregory A. Balcom | Balcom Law Firm, P.C., Houston
Michael J. Barber, Jr. | TravisWolff Advisors & Accountants, Dallas
Rosemary E. Barbour | Beadles, Newman & Lawler, PC, Dallas
Richard J. Barnes | Phoenix Capital, Inc., Denver
Nicholas Barrett | Nicholas Barrett & Associates, East Providence
Todd Barton | Fannie Mae, Dallas
Tommy Bastian | Barrett Daffin Frappier Turner & Engel, LLP, Addison
Blane L. Bauch | ServiceLink, Coraopolis
John F. Beadles | Beadles, Newman & Lawler, PC, Ft Worth
Dudley D. Beadles | Beadles, Newman & Lawler, PC, Ft Worth
Jay G. Beitel | Polunsky & Beitel, LLP, San Antonio
Thomas E. Black, Jr., CMB | Black, Mann & Graham, LLP, Flower Mound
Rhiannon Bolen | PMI Mortgage Insurance Co., McKinney
Hilary B. Bonial | Brice, Vander Linden & Wernick, PC, Dallas
Rhonda Bowens | Fannie Mae, Dallas
Toni Bramley | MSI, McKinney
Lindsay Bridges | Mortgage Banking Solutions, Austin
Sam J. Brown | Brown, Fowler & Alsup, Houston
Mike Brubaker | Brubaker & Associates, Houston
Judi Brubaker | Brubaker & Associates, Houston
Jack Bryant | MSI, N Richland Hills
Larry J. Buckley | Brice, Vander Linden & Wernick, PC, Dallas
Angela Bujnoch | Republic Mortgage Insurance Company, Hutto
Scott Calhoun | Freddie Mac, Carrollton
Ron Canady | Brubaker & Associates, Houston
Valerie Canon | Optimal Blue, Plano
Pam Carpenter | First Community Mortgage, Killeen
Michael A. Carroll | Mortgage Guaranty Insurance Corporation, Austin
Terry L. Carter | Lawyers Title Insurance Corp, Dallas
Jeff Charbonneau | Gregg & Valby, LLP, Houston
Chris Christensen | PeirsonPatterson, LLP, Dallas
Jim Coates | Tritter & Associates, PLLC, Houston
Lisa Cockrell | Codilis & Stawiarski, PC, Houston
Amy J. Coke | Polunsky & Beitel, LLP, Dallas
Tara Cormier | Outsource Solutions, LLC, Carrollton
Casey Cornett | Lender Processing Services, Inc., Houston
Clay A. Cornett | Lender Processing Services, Inc., Riverside
Clint Cornett | Appraisers Direct, Inc., Flower Mound
Derek Darby | Shanks Darby, P.C., Houston
Laura S. Dees | TravisWolff Advisors & Accountants, Dallas
Jim DeLoach | Butler & Hosch, P.A., Dallas
Mary Beth Devlin | Devlin & Pignuolo, PC, Houston
Mark G. Dotzour | Real Estate Center - Texas A&M, College Station
Shelley Douglass | Barrett Daffin Frappier Turner & Engel, LLP, Addison
Victor Draper | ProVest, LLC, Garland
Andrew Dubinsky | Encomia, LP, Houston
David F. Dulock | Black, Mann & Graham, LLP, Houston
Andrea Elliott | Mortgage Alternatives, Dallas
Steve Farrell | Old Republic Default Management Service, Orange
Michael Farris | PeirsonPatterson, LLP, Dallas
Kathy Feeney | The National Firm, Carrollton
Garth Fenegan | SettlePou, Dallas
Jamie Fertsch | Frost National Bank, Austin
Barbara Fisher | Shanks Darby, P.C., Houston
John Fleming | Hays and Owens L.L.P., Austin
Robert Forster | Barrett Daffin Frappier Turner & Engel, LLP, Addison
Robert K. Fowler | Brown, Fowler & Alsup, Houston
Robert F. Frappier | Barrett Daffin Frappier Turner & Engel, LLP, Addison
Jay Frappier | Barrett Daffin Frappier Turner & Engel, LLP, Addison
Ruth Garner | Robertson | Anschutz, Houston
Troy Garris | Weiner, Brodsky, Sidman & Kider, PC, Washington
20
www.texasmba.org

Jennifer Gerlich | Gregg & Valby, LLP, Houston
Joanne Gierspeck | Mortgage Alternatives, Houston
Sheree Gilbert | Republic Mortgage Insurance Corp., Houston
R. Scott Gillen, CMB | Stewart Lender Services, Houston
Randy Gilster | First American Corporation, Westlake
Lauren S. Glass | Southside Bank, Tyler
Gregory S. Graham | Black, Mann & Graham, LLP, Dallas
Lesley Griggs | Texas Veterans Land Board, Austin
L. Marc Grosz, III | Grosz & Associates, P.C., Houston
Suzanne Guerrero | Texas Veterans Land Board, Austin
J. Kevin Gugenheim | ServiceLink, Aliquippa
Kittie Gugenheim | Mortgage Guaranty Insurance Corporation, Houston
Matthew Haddock | Matt Haddock, PLLC, Dallas
Sheila Hair | Ruth Ruhl, PC - Attorney At Law, Rockwall
Marty Halseth | AIG United Guaranty Residential Insurance Company, Austin
Chip Halsey | Freddie Mac, Mc Lean
Kenneth K. Hargis | Venture Encoding Service, Inc., Ft Worth
Miles Harper | Gainer, Donnelly & Desrouches, L.L.P., Houston
Timothy J. Harvard | Bishop, Payne, Harvard & Kaitcer, LLP, Ft Worth
Todd Hedgcoth | Cave Canem Consulting, Inc., Bedford
Michael T. Hernandez | Fannie Mae, Dallas
Earl Hersh | Gainer, Donnelly & Desrouches, L.L.P., Houston
Lawrence Huff | Optimal Blue, Plano
Thomas Iddings | Nicholas Barrett & Associates, East Providence
Michael D. Irwin | Frost National Bank, Austin
Adam Isbell | Republic Mortgage Insurance Company, Ft Worth
Bill James | Lawyers Title Insurance Corp, Dallas
Ken Johnson, CAP, CMC | Genworth Mortgage Insurance, Plano
Barry D. Johnson | SettlePou, Dallas
Kevin Johnston | Gregg & Valby, LLP, Houston
Melanie Jones | EMortgage Logic, LLC, Ft Worth
Michael D. Kaitcer | Bishop, Payne, Harvard & Kaitcer, LLP, Ft Worth
Kristopher S. Keith | Devlin & Pignuolo, PC, Houston
Kyle Keller | Outsource Solutions, LLC, Carrollton
Beverly Kerbow | PMI Mortgage Insurance Co., Lago Vista
Maureen Kersey | Barrett Daffin Frappier Turner & Engel, LLP, Addison
Mitch Kider | Weiner, Brodsky, Sidman & Kider, PC, Washington
Lynda Kirkman | Radian Guaranty, Inc., Carrollton
Charles E. Klein | Mortgage Banking Solutions, Woodway
Read Koury | Grosz & Associates, P.C., Houston
Charles E. Kramer | Hunter & Kramer, PC, Dallas
Laura C. LaRaia | Middleberg Riddle & Gianna, Dallas
Michael P. Lau, CMB | Phoenix Capital, Inc., Denver
Don W. Ledbetter | Don W. Ledbetter, PLLC, Dallas
E. D. Lester | Stewart Lender Services, Houston
Candy Lewis | AIG United Guaranty Residential Insurance Company, Houston
Michael Lima | Fannie Mae, Dallas
H. Clifford Long | Primus Services Group LLC, Coppell
Chris Long | Primus Services Group LLC, Coppell
Ann Lopes | Nicholas Barrett & Associates, East Providence
Donald C. Lossman | Republic Mortgage Insurance Company, Kingwood
Joe M. Lozano, Jr. | Brice, Vander Linden & Wernick, PC, Dallas
David L. Lykken | Mortgage Banking Solutions, Marble Falls
Keller Mackie | Mackie Wolf & Zientz, P.C., Dallas
Marshall Mahurin | McGlinchey Stafford and Youngblood & Associates, LLP, Dallas
Gary Maler | Real Estate Center - Texas A&M, College Station
Calvin C. Mann, Jr. | Black, Mann & Graham, LLP, Houston
Heather Marchlinski | Devlin & Pignuolo, PC, Houston
Andrew Marsanick | Sollen Technologies, Dallas
Karla Martinet | Radian Guaranty, Inc., the Colony
Jeff Mason | Mortgage Alternatives, Houston
Stephen Massien | ServiceLink, Aliquippa
David A. McDougald | Grosz & Associates, P.C., Houston
Michael McFarland | Houston Capital Mortgage, Houston
James McGurk | PCV Murcor, Coppell
Ralph McKee | Venture Encoding Service, Inc., Ft Worth
Rosemary McMullen | Venture Encoding Service, Inc., Ft Worth
Mickey P. McShan | AIG United Guaranty Residential Insurance Company, Garland
Mike Mercer | Genworth Mortgage Insurance, Frisco
www.texasmortgagelicensing.org
TMBA Mortgage Roundup
September | October 2009 Volume XVII Issue V
currentTMBA MEMBERS associate members
Charlotte Meyer | Robertson | Anschutz, Houston
Michael D. Minnis | Platinum Title Partners, Houston
Carla Moore | PMI Mortgage Insurance Co., Tomball
Angie J. Moss | TravisWolff Advisors & Accountants, Dallas
Robert T. Mowrey | Locke Lord Bissell& Liddell Llp, Dallas
Phyllis Mueller | TAXease Funding, LP, Dallas
Vicki Murphy | McGlinchey Stafford and Youngblood & Associates, LLP, Dallas
Jason Nadeau | Stewart Lender Services, Houston
Janice Nakano | Weltman Weinberg & Reis Co., L.P.A., Cincinnati
Chad Neel | Lender Processing Services, Inc., Westminster
Karen M. Neeley | Cox Smith Matthews Inc., Austin
Michael Neiman | PMI Mortgage Insurance Co., Hinsdale
Lorrie Newby | First American Real Estate Information Services, Westlake
Charles Newman | Beadles, Newman & Lawler, PC, Ft Worth
Joni Neyland | Outsource Solutions, LLC, Carrollton
Carl Niendorff | Mackie Wolf & Zientz, P.C., Dallas
Jann Okerlund | The National Firm, Carrollton
Pamela Ormsby-Ripley | Radian Guaranty, The Woodlands
Jay D. Owens | Don W. Ledbetter, PLLC, Dallas
Lyman R. Paden | Locke Lord Bissell & Liddell LLP, Houston
Michael Patterson | PeirsonPatterson, LLP, Arlington
Chris A. Peirson | PeirsonPatterson, LLP, Dallas
Mike Pelitere | Republic Mortgage Insurance Company, New Orleans
Charles J. Pignuolo | Devlin & Pignuolo, PC, Houston
Melissa Plaisance | Republic Mortgage Insurance Company, Cypress
Aaron C. Polasek | Brown, Fowler & Alsup, Houston
Lauren R. Polunsky | Polunsky & Beitel, LLP, San Antonio
Allan B. Polunsky | Polunsky & Beitel, LLP, San Antonio
Anita Prestidge Knapp | Beadles, Newman & Lawler, PC, Ft Worth
Kristian Quinn | Radian Guaranty, Inc., Dallas
Jeff Raich | Mortgage Guaranty Insurance Corporation, McKinney
Troy G. Rampy | AIG United Guaranty Residential Insurance Company, Bedford
Mason Rees | Sollen Technologies, Dallas
Mary Ann Regan | Brubaker & Associates, Houston
Glen Rieke | Gregg & Valby, LLP, Houston
James L. Robertson | Robertson | Anschutz, Houston
James W. Robertson | Locke Lord Bissell & Liddell LLP, Houston
Linda S. Rollins | Black, Mann & Graham, LLP, Flower Mound
Terry Ross | Barrett Daffin Frappier Turner & Engel, LLP, Addison
Ruth Ruhl | Ruth Ruhl, PC - Attorney At Law, Rockwall
John Ruhl | Ruth Ruhl, PC - Attorney At Law, Rockwall
Debbie Scaglione | Gregg & Valby, LLP, Houston
John Schawe | Frost National Bank, Austin
Andrew J. Schell, CMB, CPA | Mortgage Banking Solutions, Austin
Robert A. Schlanger | Platinum Title Partners, Houston
Michael J. Schroeder | Michael J. Schroeder, PC, Carrollton
Claudia Schubert | North American Title Co, Dallas
Bob Schultz | Venture Encoding Service, Inc., Ft Worth
Steve Scott | Lawyers Title Company, Irvine
Vicki Sears | Beadles, Newman & Lawler, PC, Ft Worth
Ralph Sells | EMortgage Logic, Ft Worth
Rob Shands | Frost National Bank, Austin
Lois Shanks | Shanks Darby, P.C., Houston
George M. Shanks, Jr. | Shanks Darby, P.C., Houston
Wanda Sheppard | Fannie Mae, Dallas
Bill Sherakas | First American Corporation, Austin
Janice Shugart | Mortgage Alternatives, Houston
J. Allen Smith | SettlePou, Dallas
Dayna Smith | Appraisers Direct, Inc., Flower Mound
Michelle Smith | PeirsonPatterson, LLP, Dallas
James Smith | Lawyers Title Company, Irvine
Teresa Snow | Gainer, Donnelly & Desrouches, L.L.P., Houston
Richard J. Sowan | TravisWolff Advisors & Accountants, Dallas
Mary M. Speidel | Codilis & Stawiarski, PC, Houston
Michael J. Spoor | M. J. Spoor & Company, Houston
Edward J. Stankunas, CMB | North Lake College, Irving
Jennifer Swearingen | PeirsonPatterson, LLP, Arlington
Rosemary Taft-Milby | Weltman Weinberg & Reis Co., L.P.A., Cincinnati
Tamara Tapman | Texas Veterans Land Board, San Antonio
w w w . t e x a s m b a . o rg

Carolyn A. Taylor | Hughes, Watters & Askanase, LLP, Houston
Larry E. Temple | Law Offices of Larry E. Temple, Austin
Donna Thompson | Old Republic Default Management Service, Orange
Barry Toney | Lawyers Title Insurance Corp, Dallas
Mark Torabi | Barrett Daffin Frappier Turner & Engel, LLP, Addison
Donald Townsley | Triad Guaranty Insurance, Dallas
Liberty Tribe | Polunsky & Beitel, LLP, Dallas
Richard Triplett, CMB | Gregg & Valby, LLP, Houston
David M. Tritter | Tritter & Associates, PLLC, Houston
Thomas R. Turet | Polunsky & Beitel, LLP, Dallas
Scott R. Valby | Gregg & Valby, LLP, Houston
Jeroen Van Cauwelaert | Sollen Technologies, Dallas
Michel Van Hee | Sollen Technologies, LLC, Dallas
Lance Vander Linden | Brice, Vander Linden & Wernick, PC, Dallas
Dominique M. Varner | Hughes, Watters & Askanase, LLP, Houston
Billy F. Vaughn | Lawyers Title Insurance Corporation, Dallas
Frank Veneziano | Weltman Weinberg & Reis Co., L.P.A., Cincinnati
Thomas F. Vetters, II | Robertson | Anschutz, Austin
Michael Waldron | Weiner, Brodsky, Sidman & Kider, PC, Washington
Russ Watts | First American Corporation, Westlake
Ashley Wenmohs | Mortgage Guaranty Insurance Corporation, Houston
Max A. Wernick | Brice, Vander Linden & Wernick, PC, Dallas
Charles White | Mortgage Guaranty Insurance Corporation, Dallas
Amy White | Fannie Mae, Dallas
Tara Williams | Stewart Lender Services, Houston
Marsha L. Williams | Middleberg Riddle & Gianna, Dallas
Rob Withers | Optimal Blue, Plano
Brandon Wolf | Mackie Wolf & Zientz, P.C., Dallas
Lawrence A. Young | Hughes, Watters & Askanase, LLP, Houston
Eldon L. Youngblood | McGlinchey Stafford and Youngblood & Associates, LLP, Dallas
Tom Yoxall | Locke Lord Bissell & Liddell LLP, Dallas
Fred Zakula | ProVest LLC, Elmhurst
Michael Zientz | Mackie Wolf & Zientz, P.C., Dallas
as of 10/6/2009
www.texasmortgagelicensing.org
21
TMBA Mortgage Roundup
22
www.texasmba.org
September | October 2009 Volume XVII Issue V

www.texasmortgagelicensing.org