2016 Convention Information including Speaker Bios

63rd Annual Convention

June 15 -16, 2016 Delray Beach Marriott

Pride ● Passion ● Paying it Forward

Business By The Numbers

by Steve Richman, National Spokesperson and Customer Trainer,

Genworth Mortgage Insurance

MBA National Update

Bill Emerson, 2016 Chairman, Mortgage Bankers Association and Chief Executive Officer, Quicken Loans

How to Build a Social Media Strategy in the Mortgage In-dustry by Ben Smidt, Digital Marketing Program Specialist - Market-ing Promotions, Mortgage Guaranty Insurance Corporation

Economic Update

Doug Duncan, Vice President and Chief Economist, Fannie Mae

CMB Luncheon Meeting

with speaker John Cosculluela, CMB

Best Practices for Sales Success

by Scott Garvis, CEO, Dale Carnegie Training of South Florida

Executive Panel

Dan Klinger, Group President, Financial Services, K. Hovnanian American Mortgage

Darryl Derwort, Regional Manager, BB&T

Brett Lindquist, CEO, The Mortgage Firm

John Cosculluela, CMB, President and CEO, American Bancshares Mortgage, Inc.

James (Jimmy) Timmons, President, Universal American Mortgage

Education, motivation and a sprinkling of fun!

Brown L Whatley Award

Winner Announced

Thursday Night!

Prize Drawings

Thursday Night

Mardi Gras Pictures Thursday Night

Awards and Recognition

Welcome to the 63rd Annual Convention By Sandy Garcia, President, MBA of Florida

I would like to personally welcome each one of you to the MBA of Florida’s 63rd annual convention. I am happy to have the chance to meet you and answer any questions you may have. Our amazing convention committee, headed by Robert Villalon and Pat Gaver, did an outstanding job bringing in some top talent to speak at our con-vention. We also have lots of FUN planned with our Casino Night and Mardi Gras Ball.

As I bring my year as President to an end I want to thank every MBAF member, sponsor, director, committee member, our seven local chapter president’s and their members and our Executive Director for your support and direction. There is no way I could have represented the Mortgage Bankers Association of Florida without YOU.

Remember my theme, Pride, Passion and Pay it Forward. Use this in your everyday life and great things will come back to you!

Thank you to our 2016

Convention Committee

Robert Villalon, Mortgage Information Services, Inc. (Co-Chairs)

Pat Gaver, Capital City Bank, Residential Mortgage (Co-Chairs)

Cammie Aucoin, Sierra Pacific Mortgage

Michael Azzarello CMB, Caliber Home Loans

Mary Lou Bear, Branch Banking & Trust Co.

Alexander Castellanos, Florida Community Bank, N.A.

Margie Fletcher

Nigel Fullick, New Penn Financial, LLC

Sherry Gallitz, First Federal Bank of Florida

Sandy Garcia, American Bancshares Mortgage, Inc.

Randi Gocinski, Radian Guaranty

Suzanne LaCaria, Mortgage Guaranty Insurance Corp.

Doug Leever, Tropical Financial Credit Union

Georges Lussier, Branch Banking & Trust Co.

Candice Racine, Essent Guaranty, Inc.

Jay Ralstin, Waterstone Mortgage Corp.

Cathy Sherman, Capital City Bank, Residential Mortgage

Patti Spaniol, United Guaranty

Brenda Thomas, Mortgage Bankers Association of Florida

Francine Villa, American Bancshares Mortgage, Inc.

Sherry Wenrich, HomeBridge Financial Services, Inc

Holly Yelton, VyStar Credit Union

Proud MBA of Florida Sponsor!

Wednesday June 15, 2016—Registration Opens at 10 AM—Seacrest Foyer

2–4 PM Annual Business Meeting—ALL Attendees Welcome to come hear about your professional association, meet your Board of Directors and Committee Chairs and see what we have been doing all year! This is the best place to find information and get involved. It begins Now! AGENDA: MBAF Presidents Address and Welcome by Sandy Garcia, President, MBA of Florida New Overview! Member to Member - Learn about your professional association, MBA of Florida, and what we do for you. Hear from fellow members what their involvement has meant professionally and personally for them. If you are new or been around a while you will surely hear something you didn't know. Legislative Report, Eric Prutsman, Legislative Representative, MBA of Florida Committee Reports, Chairs as listed below: Bylaws, Brett Bosarge / Communications, Mary Gimeno Porges / Convention (Co-Chairs) Pat Gaver and Robert Villalon / Future Leaders, Michael Azzarello, CMB / Legislative, Kevin Strickland / Membership (Co-Chairs) Matthew Goldman, CLO, CRO and Dawn Henshaw / Secondary Conference (Co-Chairs) Kevin Strickland and Jay Ralstin / CMB Society of Florida, Carmen Fenn Drake, CMB / MPAC, Ben Fant Nominating Report and Election, Jay Ralstin, Past President Presentation of Awards and Plaques, Sandy Garcia, President, MBA of Florida and American BancShares Mortgage Closing our Business Meeting with Comments from State Representative Ritch Workman, Chairman of the House of Representative's Rules, Calendar & Ethics Committee 4:15—5:15 PM Business By The Numbers, by Steve Richman, National Spokesperson and Customer Trainer, Genworth Mortgage Insurance The Modern LO Explores who’s buying and who isn’t; Transactional vs. relationship sales; The four things everyone wants from your company; The three things everyone wants from you. Moderator: Dawn Henshaw, Genworth Mortgage Insurance 5:15 PM—Incoming Local Chapter Presidents—Reminder to please come to the MBAF Registration Desk for a Introduction Meeting!

6–8 PM Casino Night—Seacrest Ballroom A, B, C, D

We are bringing some fun back again to help you get a jump start on your evening out on the town in Delray Beach!

There will be lot’s of tables and slots for a chance to get some real funny bucks. This is all in fun folks, so come ready

to shoot the breeze. Refreshments and light snacks will be provided.

Afterwards take a nice walk around the local area and enjoy one of the many options for dinner and entertainment,

all within walking distance of the hotel.

a feeling of happiness that you get when you or someone you know does something good, difficult ~ PRIDE

We have a great day planned for you tomorrow starting with breakfast, then education sessions begin with a delicious lunch for you mid-day to

keep you going for more awesome sessions. Then get ready for super fun colorful evening at the Mardi Gras Installation Reception and Banquet,

so at least get rested enough to keep going tomorrow from 8 AM to 10 PM!

Thursday June 16, 2016—Registration Opens at 8 AM—Seacrest Foyer

8—9 AM—Local Chapter Presidents Breakfast Meeting– Ocean Breeze Room

Who Attends This? All Incoming Local Chapter Presidents, 2015/2016 Chapter Executive Committee Representative, Incoming MBAF President and the Executive Director. This meeting is to have open dialogue between the new chapter presidents and for the group to elect their chapter representative that has a seat on the Executive Committee.)

8—9 AM—Attendees Breakfast—O’Grady’s (off the lobby)

9—10 AM—MBA National Update Bill Emerson, 2016 Chairman, Mortgage Bankers Association and Chief Executive Officer, Quicken Loans, Inc. Welcome By Sandy Garcia, MBAF President and Moderator: Robert Villalon, Mortgage Information Services

MARDI GRAS MASK BINGO—This is your chance to win a great prize and have fun networking while you play! In keeping with our Mardi Gras theme, we will be playing a round of bingo throughout the convention. Your chance of winning increases as you attend more sessions and negotiate with other attendees for the mask you need! Details will be included in your regis-tration package and at the registration table. Good Luck! (Full convention attendees only eligible.)

Sessions Both Days in Seacrest Ballrooms E-F

Thursday June 16, 2016 - continued from previous page

10—11:30 AM—How to Build a Social Media Strategy in the Mortgage Industry by Ben Smidt, Digital Marketing Program Specialist - Marketing Promo-tions, Mortgage Guaranty Insurance Corporation

11:30—11:45 AM—Refreshment Break

11:45 AM—12:45 PM—Economic Update, Doug Duncan, Vice President and Chief Economist, Fannie Mae Always one of our most popular presenters! Don’t miss what Doug has to say. Moderator: Patti Spaniol, United Guaranty 12:45—2 PM—Attendee Buffet Luncheon located in O’Grady’s (off the lobby)

12:45—2 PM—CMB Luncheon Meeting—Ocean Breeze Room with speaker John Cosculluela, CMB, President and CEO, American Bancshares Mortgage Moderator: Carmen Fenn Drake, CMB, Stearns Lending 2—3:30 PM—BEST PRACTICES for SALES SUCCESS by Scott Garvis, CEO, Dale Carnegie Training of South Florida

3:30—3:45 PM—Refreshment Break 3:45—5 PM—Executive Panel—Come to hear your industry professionals provide information with questions and answers covering a variety of current mortgage banking issues. Dan Klinger, Group President, Financial Services, K. Hovnanian American Mortgage Darryl Derwort, Regional Manager, BB&T Brett Lindquist, CEO, The Mortgage Firm John Cosculluela, CMB, President and CEO, American Bancshares Mortgage, Inc. James (Jimmy) Timmons, President, Universal American Mortgage Company Moderator: Kevin Strickland, SunTrust Mortgage

PASSION a strong feeling of enthusiasm or excitement for something or about doing something

A sound social media strategy is vital to any organization in the mortgage industry, in particular those looking to increase business from first-time homebuyers. According to Pew Research Center, 90% of 18- to 29-year-olds use social media, and the American Press Institute reports 88% of Millenni-als get their news from Facebook. Given Millennials’ value to the industry and the fact that 73% of Millennials say they investigate opinions different than their own using social media, a company should consider having a presence in social media to engage and influence this key demographic. A strategic social media presence will allow you to reach this younger demographic and influence how Millennials learn about and perceive your company. Join us to find out how you can craft an effective social media policy that addresses regulatory compliance and leaves your company poised for

social media success. Learn how to implement strategies that can further your organization’s social media growth and engagement. And finally, better understand how to retain customers through proper social media use. Presentation Takeaways:

· Fact-based background information about the target demographic – Millennials

· Understand your website traffic audience and behavior analysis to increase ops

· How to craft a social media policy – compliance – do’s/don’t’s – employees

· Social media marketing strategies to enhance your efforts – tips/platforms/audience

· Collaboration tips and customer retention strategies

· Importance of brand reputation management – avoiding negative feedback

· How to evolve your social media strategy

Moderator: Suzanne LaCaria, MGIC

6 PM—Installation Reception—Foyer of Ballroom A, B, C - (Masks, hats, beads will be provided to you this evening unless you have your own you

would like to wear.) There will be a photo opportunities prior to the dinner. Some great surprises and a very fun night awaits you.

6:45 PM—Installation Banquet—Ballroom A, B, C - Mardi Gras themed evening. Please be colorful and festive! We will have our presentation of

the Brown L. Whatley award and the prize drawings will take place at the conclusion of the evening and the Bingo winner awarded. Popular practices on Mardi Gras include wearing masks and costumes, overturning social conventions, dancing, sports competitio ns, parades, debauchery, etc. Similar expressions to Mardi Gras appear in other European languages sharing the Christian tradition, as it is associated with the religious requirement for confession before Lent begins. In many areas, the term "Mardi Gras" has come to mean the whole period of activity related to the celebratory events, beyond just the single day. (Wikipedia)

Based on the time-tested Dale Carnegie principles of Winning Friends and Influencing People, this dynamic seminar introduces best practices for sales success. Participants will strengthen their attitude, focus on building strong internal and external relationships, and incorporate best practices to stand out in their professional field. Sales Professionals will learn the necessary skills to become true partners and advisors with their clients. They will learn and practice how to more quickly engage prospects, build trust and take total ownership of moving prospects through a sales process to gain commitment.

Participants will advance in their ability to: • Take total ownership of our approach to customers and gaining commitment • Incorporate Dale Carnegie’s famous principles for engaging and influencing people • Assess our attitude and understand the impact it has on our success • Incorporate sales best practices for results oriented appointments

Moderator: Doug Leever, Tropical Financial Credit Union

8—11 AM—MBAF Board of Directors Meeting—Salon D Your 2016-2017 Board of Directors will continue with their hard work this morning to have the first quarterly meeting of the year. They volunteer to be involved to ensure that all MBA of Florida Members and everyone enter-ing into and are in this industry has a solid professional association (around since 1952) to make sure the mortgage banking industry stays a viable ca-reer choice for thousands and they will continue to:

expression for describing the beneficiary of a good deed repaying it to others instead of to the original benefactor

Friday June 17, 2016

2016 Annual Convention

June 15-16

Delray Beach Marriott

John Cosculluela, CMB began a career in mortgage banking in

1985 with Vision Mortgage, a retail and wholesale lender. Company

employed over 100 employees, sold loans servicing retained to

Fannie Mae and servicing released to aggregators. The company

grew to consistently be in the top mortgage lenders in its market.

During his tenure he led different departments which included loan

production, fulfillment, secondary, and loan administration. He

has a thorough understanding of all facets of mortgage lending.

Mr. Cosculluela founded American Bancshares Mortgage, in 1995.

He serves as CEO and President. American Bancshares is a

privately owned Fannie Mae Seller/Servicer based in Miami Lakes,

Florida. The company’s growth plan includes acquisitions,

recruitment and branch office development throughout the North

East and South East US.

Mr. Cosculluela earned a Bachelor of Arts degree from the

University of Miami and is a Certified Mortgage Banker.

Thursday 12:45 PM

and

Thursday 3:45 PM

Douglas G. Duncan is Fannie Mae’s vice president and chief

economist. He is responsible for managing Fannie Mae’s Economic

& Strategic Research Group and the Economics & Mortgage Market

Analysis Group. In this leadership role, Duncan provides all

economic, housing, and mortgage market forecasts and analyses

and serves as the company’s thought leader internally and with

external constituent groups.

Named one of the country’s top four most accurate economists in

2010 by the Wall Street Journal, one of Bloomberg /

BusinessWeek’s 50 Most Powerful People in Real Estate, and one of

Inman News’ 100 Most Influential Real Estate Leaders for 2011,

Duncan is an important source of information and commentary on

the external business and economic environment, and is a key

spokesperson on the economy, housing, and mortgage markets.

Prior to joining Fannie Mae, Duncan served as senior vice president

and chief economist of the Mortgage Bankers Association (MBA)

since 2000. Duncan served as the primary spokesperson on

economic and mortgage market developments and performance for

the MBA, a trade group representing 3,000 companies that make

the majority of all residential, multifamily, and commercial real

estate loans in the U.S.

Before joining the MBA in 1992, Duncan worked on Capitol Hill as

a LEGIS Fellow and staff member on the Committee on Banking,

Finance, and Urban Affairs, and at the U.S Department of

Agriculture’s Economic Research Service. He has been elected to

the Board of Directors for the National Association of Business

Economists, is a member of the American Economics Association

and the American Real Estate and Urban Economics Association,

and is past president of the Housing Statistics Users Group.

Duncan received his Ph. D. in Agricultural Economics from Texas

A&M University and his B.S. and M.S. in Agricultural Economics

from North Dakota State University.

Douglas G. Duncan

Vice President and

Chief Economist

Fannie Mae

Thursday 11:45 AM

Darryl Derwort is a Senior Vice president and Group Mortgage

manager for BB&T covering Florida and Alabama. Once a licensed

Realtor, Darryl has been in the Real Estate and mortgage industry

in various capacities for over 34 years.

Having been a Realtor, loan officer and sales leader in the Real

Estate industry has led Darryl to be a leader in his field.

Thursday 3:45 PM

Bill Emerson is Chief Executive Officer of Quicken Loans, Inc., the

nation’s largest online home loan lender and second largest retail

mortgage lender. He is responsible for the leadership and growth of

Quicken Loans.

Bill joined the company in 1993 as a mortgage banker. His passion

and commitment for learning and growing, and his zeal for taking

care of clients, helped him take on many roles at the company.

Bill’s leadership ability afforded him the opportunity to run several

business units at Quicken Loans as well as lead mortgage

operations for the company, where he was responsible for driving

performance within Quicken Loans’ businesses. In February of

2002, Emerson was promoted to Chief Executive Officer.

Bill is an active spokesperson on the housing industry and has

testified before the United States Senate Committee on Banking,

Housing, and Urban Affairs and the House Financial Services

Subcommittee on Financial Institutions and Consumer Credit. He

serves as Chairman of the Mortgage Bankers Association. In

addition, Bill is the former Chairman of MBA’s Diversity Committee

and former Vice-Chairman of MBA’s Residential Board of

Governors. He serves on the MBA’s Board of Directors.

Dedicated to his community, Bill has been the recipient of the ALS

Association’s Iron Horse Award and the Salvation Army’s

prestigious William Booth Award, the non-profit’s highest honor.

He also supports the Alzheimer’s Association Greater Michigan

Chapter.

Bill earned a bachelor’s degree in business from Penn State, where

he was a member of the University’s 1982 National Championship

football team.

Bill and his wife reside in the Detroit area with their two children.

Bill Emerson

Chairman

MBA Washington and

Chief Executive Officer

Quicken Loans, Inc.

Thursday 9 AM

As Owner and CEO of Dale Carnegie Training Southeast Florida,

Scott Garvis is a trusted partner for driving results in the areas of

Sales Effectiveness, Leadership Development, and Employee

Engagement.

He brings more than 20 years of Professional Development and

Sales Management Experience, and under his leadership Dale

Carnegie Southeast Florida has consistently achieved double-digit

growth. In 2011 he was recognized as a recipient of the South

Florida Business Journal’s 40 under 40 award and also became an

approved and top-rated Vistage Speaker.

He currently serves on the Dale Carnegie International Franchisee

Association Board of Directors and contributes to developing and

updating Dale Carnegie Training’s programs utilized worldwide. He

is also a member of the Fort Lauderdale Executives Association,

and Pine Crest Fathers Club.

Scott and his team facilitate Customized Training and Executive

Coaching for Southeast Florida business professionals, and are very

involved in the local community. Scott is a South Florida native,

FSU alumnus, and currently lives in Hollywood, FL. Thursday 2 PM

Dan A. Klinger, Group President Financial Services of K.

Hovnanian American Mortgage, LLC. Mr. Klinger is responsible for

Mortgage and Title operations for K. Hovnanian Companies. This

includes operations in Florida, New Jersey, Pennsylvania,

Delaware, Ohio, Illinois, Minnesota, Maryland, Virginia, North

Carolina, Georgia, Texas, Arizona, and California.

Prior to joining the Company in 1999, Mr. Klinger was President of

Preferred Home Mortgage Co., a subsidiary of Engle Homes. He also

worked for CTX Mortgage Co., a subsidiary of Centex Homes. He

has been in the Mortgage industry for 33 years. Prior to entering

the Mortgage industry, Mr. Klinger was a high school physical

education teacher and head varsity baseball coach.

Mr. Klinger is actively involved with 4KIDS and Safe Place of South

Florida. These organizations are dedicated to the welfare and

fostering of children in crisis. Mr. Klinger was the proud recipient

of their 2015 Undercover Heroes award.

Mr. Klinger was named Miami Herald and Ft. Lauderdale Sun

Sentinel “Coach Of The Year” in 1982. Mr. Klinger is an alumnus of

the University of Michigan, where he earned a Bachelor's degree in

Education. Mr. Klinger has been married to his wife Chary for 32

years and they raised three beautiful children.

Thursday 3:45 PM

Thursday 3:45 PM

Brett got in the mortgage business in 1983 in Orlando. He started

The Mortgage Firm in 1995 with 2 partners, Todd Pierson and

Russ Stewart. The Mortgage Firm

currently has 300 employees and will close 1.2 billion in 2016.

Brett grew up in St. Pete/Clearwater. He studied at Florida State

and double majored in Finance and Real Estate. He swam for FSU

for 4 years and was captain of the team senior year.

Brett currently serves on two Board of Governors for the FSU

Business School and the Real Estate School.

He is married to an awesome wife, Cindy and they have 2 kids

Cole (son) 21 at FSU, Kendall (daughter) 16, sophomore at Lake

Mary HS.

● National speaker

● 20 years experience in mortgage industry

● Master Certified Sales Negotiation Trainer

● Certified Trainer in DiSC Behavioral Profiling

● Energized, taught and motivated more than 120,000

professionals across the US.

● Expert in the high LTV borrower market

● Has been a loan officer, account executive and manager

of a mortgage operation

● Trained Real Estate professionals through state

accredited CE classes on topics including Real Estate

Negotiations, Understanding the Real Estate Contract and

Making Settlement Simple

● Spoken at several mortgage banker and broker

association events

● Presented before loan officers representing over 500

different lending institutions

● Taught in the MBA program at the Sellinger Business

School

● Guest lectured for the Columbia University Business

Schools MBA program

● Served as an adjunct faculty member at Towson

University

Wednesday 4:15 PM

Ben Smidt serves as MGIC’s Digital Marketing Program Specialist. He leads corporate development and management of MGIC's digital marketing strategy. This includes establishing a clear vision for all digital marketing initiatives and providing strategic direction for the company's social media marketing efforts. His primary goal is to increase brand awareness and improve user experience (UX).

He holds an MA from Marquette University in media channel effectiveness and digital communications, as well as a BS from UW-Madison focused in communications. He resides with his wife, daughter and son in Wauwatosa, Wisconsin.

Thursday 10 AM

James “Jimmy” Timmons is the President of the mortgage

banking subsidiaries of Lennar Corporation, a Fortune 500

homebuilder real estate and financial services leader. In

addition to serving many of Lennar’s homebuyers, UAMC also

operates a traditional retail origination platform Eagle Home

Mortgage. He has served in this capacity, directing national

sales and operations teams for Universal American Mortgage

Company (UAMC) and for Eagle Home Mortgage, for the past

eleven years. Jimmy has been associated with the Lennar

Family of Companies for almost 20 years, previously serving as

Vice President in various financial roles. He prides himself on

building a company where people enjoy coming to work and

business partners feel like they are integral to the success of the

organization.

Jimmy currently serves on the Mortgage Bankers Association’s

Residential Board of Governors and is past chairman of the

National Association of Homebuilders High Production Housing

Finance Group. He lives in Fort Lauderdale, FL and enjoys

spending time with his daughter, Erica, traveling, snow skiing

and supporting his alma mater, the University of Miami.

James (Jimmy) Timmons

President

Universal American

Mortgage Company

Thursday 3:45 PM

Mark Your

Calendars

But mostly, get involved!

Help plan the 2017

conference and

convention.

Sign up for the committees!

We meet via conference calls

and work as a team selecting

relevant speakers /sessions,

fun events and more!

Email [email protected]

Sign up here at the MBAF

Registration Desk

OR Sign up information will

be sent to you via email

shortly