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Keeping You Informed

Fall Newsletter

November 2012
In This Issue
Visit our Chapters
60th Anniversary Donation
President's Message
10th Annual Eastern Secondary Market Conference with Exhibitis
Mel Martinez Confirms as a Speaker
60th Annual Convention
She did it!
MBA of Florida - Our History Since 1952
Thank You Sponsors
CMB Continuing Education/Recertification
Celebrating 60 Years
2012/2013 Board of Directors
Executive Committee


Daniel Harrison


[email protected]



Alex Castellanos


[email protected]



Jay Ralstin

Hancock Bank Mortgage Division

[email protected]



Sandy Garcia

Sierra Pacific Mortgage

[email protected]



Kevin W. Strickland

SunTrust Mortgage Inc

[email protected]



Dana Cummins


[email protected]


Michael A. Culbertson

JP Morgan Chase Bank, NA

[email protected]


Pat Gaver


[email protected] 


Tonya Mills


[email protected]


Matthew Goldman, CLO


[email protected]


John Cosculluela

American Bancshares Mortgage

[email protected]


Carole Hendricks


[email protected]


Jane Ashley

Seaside National Bank & Trust

[email protected]


Jamie A. Thornton


[email protected] 


Associate Director

Pauldie Howrigan

ServiceLink, FNF's National Lender Platform

[email protected]


Director Emeritus

Margie Fletcher (elected 2005)

[email protected]  


Chuck Ivy (elected 2006)


[email protected] 


Georges Lussier (elected 2010)


[email protected]
Local Chapter Presidents


Dustin Owen

Waterstone Mortgage Corp.

[email protected]



Joe Adamaitis


[email protected]



Diane Ekberg


[email protected]



Clarita Rosa

North American Title Co.

[email protected]



Ed Erickson

Fifth Third Bank

[email protected]



Dana Cummins


[email protected] 



Jay Craig Wright

Thank you for renewing! If your name is not shown we have not received your dues payment. Contact [email protected]

Alarion Bank


AmeriCU Mortgage

Ameris Bank

Atlantic Coast Bank

Bank of America Mortgage

Branch Banking & Trust Co.

Capital City Bank

Centennial Bank

Citizens First Wholesale Mortgage Company

Community Bank Destin



Essent Guaranty, Inc.


Florida Capital Bank Mortgage

Florida Commerce Credit Union

Florida Credit Union

Florida Housing Finance Corporation

Genworth Financial Home Equity Access, Inc.

Green Tree Servicing LLC

Group One Mortgage, Inc.

Hamilton Group Funding

Hancock Bank

InHouse Inc.


JP Morgan Chase Bank

M&I Bank

McCaughan Mortgage Company, Inc.

Mortgage Guaranty Insurance Corp.

MountainView Capital Holdings

North American Title Co.



Regions Mortgage

ServiceLink, FNF's National Lender Platform

Southern Title Holding Company

Stewart Lender Services

StoneHill Group, Inc.

SunTrust Mortgage

United Guaranty

United Lender Services Corp.

VyStar Credit Union

Wells Fargo Bank, N.A.


Individual Members

William Cannova

Michael P. Azzarello, CMB

Jane Ashley

John Chludzenski

John Cosculluela

Mr. Matthew Goldman, CLO

Sandy Garcia

Dorothy G Negrin, Esq.

Alan Verch, CMB

Jay Craig Wright

 Members Log In Link Below
You are able to view your membership record, search for other members, register for any conventions or conferences when available and view your committees that you are on. The main member contact is able to make changes and pay your dues too!  It's easy and takes just a minute to get started.
Member News
Andrew Castellanos
Meet Andrew Alexander Castellanos
Born August 29, 2012

Future leader of the MBA of Florida. Grandpa Ray Castellanos was MBAF president in 2004/2005 and daddy, Alexander Castellanos, is our incoming president to be installed this June 2013. Congratulations to a wonderful family.
Chapter News!

Send Us YOUR News.

Remember to send us your news. Anything you would like to get out to our members or that would be of interest of an industry nature please forward it to [email protected]

We welcome all submissions. 

Vote - November 6, 2012 

60th Anniversary Donations

We invite you to help us with a personal 60th Anniversary donation. As you know we are a volunteer association and have kept our cost down as much as possible throughout the years while maintaining a strong industry association. We ask for a minimun of $60 with other suggested amounts but you can give what amount works best for you. Please note your name will be listed as a 60th donor unless you ask to remain anonymous. This is considered a personal donation and is not included as a normal sponsorship.


Click Here to Access the Donation Payment Link  


Thank you for your support.

Welcome to the MBA of Florida's Fall Newsletter.

We accept your news and consider all articles from our members for submission. Send to [email protected]

President's Message, Dan Harrison
Dan for Pres pic

What an exciting and challenging time to be a Mortgage Banker! As we look forward to 2013, we see a mortgage industry that is still headed for more change but we remain very optimistic that our industry is recovering and getting stronger. What a great time to celebrate our Diamond (60th) Anniversary!


As we all know, the November election outcome could have major implications for our industry. Your Mortgage Bankers Association will be an active participant ready to move forward regardless of who wins the election. There are a number of recommendations from the Consumer Financial Protection Bureau (CFPB) that are due to impact all of us next year including a new TIL/GFE disclosure; a new HUD closing statement; significant Mortgage Servicing reforms and the addition of a specific definition for a Qualified Mortgage (QM), just to mention a few. All of these changes will have a tremendous influence on how we conduct business going forward and I would encourage everyone to be well informed and educated on these matters. It is vitally important that we have a seat at the table when these issues are being discussed and decisions are made that impact our industry. Your support and participation as a member of MBAF can make a difference and I thank all of you for your involvement during these challenging times.


When I was installed as your President in June, I was encouraged by the enthusiasm and commitment from the new Board members and knew right away we were going to have a great year. Your Board has already been busy on your behalf and I can report that we are very close to meeting our membership goals for the year and we expect to exceed those goals very soon. Financially, the MBAF is continuing to operate in the black and is ahead of budget. The real strength for MBAF remains at the local chapter level and with more participation and membership growth, the stronger your MBAF will be.


Your MBAF leaders have worked hard on two exciting conferences for 2013, the 10th Annual Eastern Secondary Market Conference with Exhibits and our 60th Annual Convention where we will celebrate our Diamond Anniversary! The Eastern Secondary Market Conference will be held March 13-15 at the Florida Hotel and Conference Center in Orlando, Florida. This event will be filled with fabulous speakers discussing timely issues that will impact each of us in 2013. The next event will be on June 19-20 as we meet for our annual MBAF convention at the Trade Winds Island Resort in St. Petersburg, Florida. Our theme for the convention, of course is "Celebrating our Diamond Anniversary" and it will be a very special program. The convention committee has been busy planning a great line-up of speakers, networking opportunities and some special anniversary events that you won't want to miss. The venue is outstanding and I hope you will plan to attend and be part of this great occasion.


So we certainly know and I will say it again, these are both exciting and challenging times to be a Mortgage Banker and I want to thank all of you for your continued support of this association. Your active participation is what makes our association strong and is the main reason we are celebrating our 60th Anniversary. I look forward to seeing you in Orlando next March!


Very truly yours,


Dan Harrison

MBAF President

10th Annual Eastern Secondary Market Conference with Exhibits 

Florida Hotel

March 13-15 (Wednesday-Thursday-Friday)

The Florida Hotel and Conference Center

1500 Sand Lake Road, Orlando, FL 32809

$149 Double Room (King is $20 more)

Reservations: 800-588-4656

Reservation Cut-off Date is February 20, 2013


Click Here to Access the Exhibitor Registration Information!


The conference committee is finalizing the program schedule with the speakers. Below is the outline of the conference for planning purposes. Mark your calendars. Registration is available already online not only for exhibitors but attendee registration is available as well.


Wednesday 3/13

1-5:30 PM-Exhibit Registration and Set-Up



(Announcements coming soon with sessions/speakers)

 Look for our first major speaker confirmation announcement just below!


6-7:30 PM-Exhibits Open with a Welcome Reception


Thursday 3/14

7:30 AM-5:30 PM-Exhibit Room Open All Day to allow you a place to meet with your exhibit appointments.


7:30-9 AM-Exhibit Room Opens-All Conference Attendee Breakfast and Networking Time



(Announcements coming soon with sessions/speakers)

10-10:30 AM-Refreshment Break with the Exhibitors

12 :30-2 PM-Luncheon with the Exhibitors and Networking Time

4-5:30 PM-Final Exhibit Time and Closing Networking Reception

(All exhibits and materials must be removed after the closing and no later than 7 PM.)


Exhibitors have 6.5 Hours Non-conflict exhibit time and a total of 11.5 hours open. The exhibit room will be open all day on Thursday for any business appointments/meetings you may make in between exhibit times. We realize this meeting brings a lot of networking opportunities and this gives you the space and time for these appointments.


Friday 3/15

8 - 9 AM - Breakfast

9 AM - 12 PM - SESSIONS 

(Announcements coming soon with sessions/speakers)  


Speaker Confirmed for the
Eastern Secondary Market Conference
Mel Martinez, Chairman of the Southeast U.S. & Latin America, JPMorgan Chase & Co.

Mel Martinez is Chairman of the Southeast U.S. and Latin America for JPMorgan Chase & Co. and serves on JPMorgan Chase's Executive Committee.


After more than a decade of public service, Mel joined JPMorgan Chase in July 2010. Based in Florida, he represents the firm to clients throughout the Americas - from individuals and businesses to large corporations, governments and nonprofit organizations.


Mel was elected to the United States Senate in 2004. Representing Florida as a U.S. Senator, Mel served on the following committees: Banking, Housing and Urban Affairs, Armed Services (Ranking Member of Sea Power Subcommittee), Foreign Relations, Energy and Natural Resources, Commerce and the Special Committee on Aging (Ranking Member). While serving in the Senate, Mel led efforts to reform Fannie Mae and Freddie Mac and was a critical voice on foreign policy issues throughout the Western Hemisphere.


Prior to his time in the Senate, Mel served as the 12th Secretary of the United States Department of Housing and Urban Development (HUD). As the first Cuban-American to serve in a President's cabinet, he became known for his efforts to increase homeownership for all Americans and his aggressive efforts to end chronic homelessness.


Mel also served as Mayor of Orange County (Orlando, FL) and he practiced law for 25 years. He received both his B.S. and J.D. degrees from Florida State University.


In addition to his role with JPMorgan Chase, he is actively involved on housing policy reform discussions as co-chair of the Bipartisan Policy Center's Housing Commission. Mel also serves on the boards of various corporations and civic organizations including Habitat for Humanity International, Marriott Vacations Worldwide, U.S. Global Leadership Coalition and the Hispanic Leadership Network.


Mel and his wife, Kitty, reside in Orlando; they have three children and four grandchildren.

60th Annual Convention 

TradeWinds Lobby

2013 Annual Convention

June 19-20-(21st Board Meeting only)

Theme: 60th Anniversary

TradeWinds Island Resorts on St. Pete Beach 

5600 Gulf Blvd., St. Pete Beach, FL 33706

800-808-9833 Reservations

$169 single/double

(Other room types if available at the time reservation is made)

Tropical View: $185 Gulf Front Parlor $195 One Bedroom Tropical View Suites: $209 Gulf Front Suites: $229

Included in the rate: Beach Cabana (1 per room, based on availability), Pool Towel Service, Self-Parking for one car per room, valet $8, In-room safes, Sending/receiving faxes, Daily newspaper delivered to your room, Fitness Center usage, Paddleboats, Miniature Golf, Unlimited credit card access calls in-room, Tennis court play on our har-tru courts, Wireless Internet Access in guest rooms common areas AND Meeting Space, Business Center, In room coffee/tea


More Info Coming Soon.


She Did It!  

Margie tri-pic for fall 2012

As we reported in our previous newsletter, but all were holding on to hope she wouldn't do it, Margie Fletcher officially retired after 49 years helping this industry. It was a heartfelt career for Margie and we wish her much happiness. However she still has guard duty of being the co-chair of our 60th Annual Convention!

See we had a good plan to keep her at least for a little while longer.

Click Here to Read a Great Article Provided by Tallahassee Realtor Magazine

So, to you Margie, we will see you soon. 
MBA of Florida - Our History Since 1952
Past pres history page
We are very proud of our 60th year and wanted to honor and commemorate our past history so we gathered as much information including past presidents pictures that we could find and placed it into one document. We also placed some of the historical facts and events of the time periods to give an idea and feel for the year. We hope you enjoy this walk into the past and that it will bring a better sense of understanding of how very much this association has meant to so many people. We will continue to make updates to this document and welcome any stories you have that would be fun to include. The link to the document is below.


2012 Sponsors List  
CMB News

CMB Logo CMB Continuing Education/Recertification:


During the second half of this year, the CMB Society of Florida has been actively involved with the national CMB Society and MBA working out details for a new Continuing Education requirement for CMB's.  The purpose of the CE initiative is to provide opportunities for CMB's to remain relevant and active in the CMB Society as well as the mortgage banking industry.    As the CMB designation is a perpetual one, that is, it is earned and no further education or requirements are necessary once it is awarded, a Working Group, was formed, along with the CMB Society Leadership to consider development of an alternative process to encourage CMBs to stay current with changing developments within the Industry and make the designation more robust.  Our Florida CMB's were actively involved in state level conference calls reviewing and providing comments on the national proposals.


The structure for a recertification program was developed and agreed to by a representative cross-section of CMBs who are active members of the national CMB Society, of which Florida had a number of representatives.  They took into consideration CMB members thoughts, ideas and feedback and came to a conclusive and comprehensive structure for a Re-certification program.  The proposal is out for vote by all CMB's through November 9, 2012.  An announcement will be made on the outcome of the proposal after all votes have been tabulated.


CMB speakers for the Eastern Secondary Conference and MBA of Florida Convention:


David Kittle, CMB and past chairperson of the MBA has agreed to speak at our Eastern Secondary Market Conference at the CMB breakfast meeting.

Lori Pinto, CMB and 2012 chairperson of the CMB Society of the MBA has agreed to speak at the CMB breakfast meeting at the 60th Annual Convention.


Respectively submitted,


Mike Azzarello, CM


CMB Resource Center - Click Here 


Celebrating 60 Years

Since 1952, the Mortgage Bankers Association of Florida (MBAF) has integrated the state's diverse real estate finance industry into a unified service organization.  The MBAF is committed to promoting sound and ethical business practices in the mortgage banking industry; providing a powerful and responsible presence in Florida's legislative arena; educating its members in the most up-to-date practices and methods, so members can grow and mature in their careers; serving as a forum for communication and social interaction among peers; and adapting to change in a mercurial business environment, in order to help mortgage bankers succeed in that environment.

60 years constant contact 
Brenda Thomas
Mortgage Bankers Association of Florida