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Keeping You Informed

Winter Newsletter

Winter 2013
In This Issue
60th Anniversary Donation
Visit our Chapters
Future Leaders Needed
Newsletter Submissions
President's Message
10th Annual Eastern Secondary Market Conference with Exhibitis
60th Annual Convention
Legislative Update
Spotlight on Leadership
Chapter News
Certified Mortgage Banker
MBA of Florida - Our History Since 1952
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

Wells Fargo

[email protected] 


Tonya Mills


[email protected]


Matthew Goldman, CLO


[email protected]


John Cosculluela

American Bancshares Mortgage

[email protected]


Carole Hendricks


[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 being a member of the MBA of Florida

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

Thomas Mortgage and Financial Services, Inc. 

United Guaranty

United Lender Services Corp.

VyStar Credit Union

Wells Fargo Bank, N.A.


Individual Members

Jane Ashley

Michael P. Azzarello, CMB

William Cannova

John Chludzenski

John Cosculluela

Sandy Garcia

Matthew Goldman, CLO

Dorothy G Negrin, Esq.

Daniel Smith 

Julie Sneed, 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
Pat Gaver has joined Wells Fargo. His new contact information is above in the Board of Directors listing.

News from Mortgage Support Services, Inc. Staffing Solutions



Office: 727-736-4100

Fax: 727-736-4149

 *Contact us for solutions to your staffing needs!

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.

Chapter News!
Future Leaders Needed







We need NEW recruits for our "Future Leaders".  


Applications will be accepted for the new Future Leaders Program until March 31st.  


Future Leaders Informational Brochure


Future Leaders Application 


For any questions please contact Kevin Strickland, Future Leaders Committee Chair at [email protected]

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. 
Welcome to the MBA of Florida's Winter Newsletter.

We accept your news and consider all articles from our members for submission. Send to [email protected]
President's Message, Dan Harrison
Dan Harrison

I know we've all heard it already, but where does the time go? It's hard to believe but we have a running start into 2013 and by the time you read this it will be February. In reflection, 2012 was a real turning point for our industry as we saw a majority of the markets in Florida show an increase in purchase production and home prices were stable to rising, something we had not seen in a few years. I know I am more encouraged than ever that the mortgage industry is poised to see even greater activity this year and we are already off to a fantastic start in 2013.


We were expecting some news from the CFPB to start 2013 and as most of you know, they have delivered. The CFPB has released information regarding the definition of QM for lenders, new rules for servicing of loans and new guidelines to protect consumers through the lending process. All the releases received are being reviewed by your Mortgage Bankers Association but there does not appear to be any surprises from the initial evaluation and all appear to be in line with what was expected. The link to the CFPB web site is here


The MBA of Florida leadership and committees have been busy working to bring you our 10th Annual Eastern Secondary Market Conference with Exhibits and the 60th Annual Convention. We want to share our excitement with you and hope to see you when you attend at least one of these important events in 2013. Many communications have gone out already about the Eastern Secondary Market Conference with Exhibits to be held March 13-15 at the Florida Hotel and Conference Center in Orlando. There is no argument we have secured some of the best speakers to provide the most extensive and up to date information available. You definitely want to be at this conference. As an example, you do not want to miss hearing Mel Martinez, currently the Chairman of the Southeast U.S. & Latin America division for JP Morgan Chase and the former head of HUD. He was elected to the United States Senate in 2004 representing Florida as U.S. Senator. 


Mr. Martinez will bring a wealth of knowledge and background to our conference and we are very excited to have him lead off our conference this year. He will be available for all your questions as well. To view the entire program and speaker bios, click this link:
10th Annual Eastern Secondary Market Conference Information

(or just read further down in this newsletter for the program and links to access the full information online.)


We are extremely happy to be celebrating our Diamond Anniversary at the Trade Winds Island Resort in St. Petersburg, June 19-20th. This is going to be a very special event as we celebrate 60 years as an industry leader and look back at our journey and history since 1953.

(Click Here to View our History Since 1953

Plans are already well under way for a great list of speakers, topics and events at the convention and we are looking forward to having everyone there to join us not only for the exceptional education we provide but for our hard earned chance to enjoy the festivities and to network and maybe even relax for a minute. Margie Fletcher and Tim Allen are heading up the convention committee this year, so you know this will be one of our best conventions ever! More information will be available in mid-February but registration is already open online. By logging in here you can get registered early Log In Here to Register


Membership and activities with all the local chapters in Florida are growing and we are hearing about a lot of exciting programs going on in every market. As your President, I want to personally thank all of you for your dedication and participation with the Mortgage Bankers Association of Florida and your local chapters. We all know what an important voice this association is on the local, state and national level and your involvement is a key part of that success. I look forward to an exciting year in 2013 and know that your association will be there to support you and your industry at all times.


I look forward to seeing you in Orlando March!


Very truly yours,


Dan Harrison

President, MBA of Florida 


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


2013 Eastern Secondary Market Conference Informational Brochure Including Speaker Bios 


Click Here to Access Conference, Hotel Information and Online Registration Link 


Wednesday 3/13

1-5:30 PM-Registration Open


3-4:30 PM-Mel Martinez, Chairman of the Southeast U.S.

& Latin America, JPMorgan Chase & Co.


4:30-6 PM-"Transition to Normal?"

Economic and Housing Update, Doug Duncan, PhD., Senior Vice President and Chief Economist, Fannie Mae


6-7:30 PM-Welcome Reception with our Exhibitors


Thursday 3/14

7 AM-Registration Open


(7:30 AM-6:45 PM-Exhibit Room Open All Day)


7:30-9 AM-CMB Breakfast with speaker David Kittle, CMB,

Senior Director of Industry Relations, IMARC

The CMB Society of Florida invites you to enjoy this breakfast meeting if you are a CMB or interested in hearing about becoming one. The breakfast is included in your registration fee but you must check off on the form if you will be attending. The attendee and exhibitor breakfast takes place at the same time in the exhibitor room for those not attending this CMB breakfast.


7:30-9 AM-Breakfast / Networking Time with Exhibitors


9-10 AM-Industry Update, Joe Garrett, Garrett, McAuley & Co.

In 2012, the MBA showed that the average mortgage banking company was earning somewhere around 105 bps per loan, yet we saw companies all the time earning as little as 20-30 bps, and we also saw top performers who were earning 175-200 bps or more.  We'll share with you why the bottom performers aren't making good money in this best of all times, and we'll share you with what all the Top Performers are doing and what their three most important practices are to earning well over the average.


10-10:30 AM-Refreshment Break and Networking Time in the Exhibit Room


10:30-11:30 AM- CEO Panel


Joe Nunziata, Co-CEO and Chairman, FBC Mortgage, LLC


Mark Johnson, President, Florida Capital Bank Mortgage


(To be announced)


11:30 AM -12:30 PM-Agency Updates

Michael L. Dawson, CFA, Vice President, Customer Business Services, Freddie Mac

Beth Millstein, Director of Business Development

Fannie Mae


12:30-2 PM-Luncheon with the Exhibitors


2- 3 PM-National Update, Bill Cosgrove, CMB

Vice Chairman, Mortgage Bankers Association, Washington, DC and President and CEO of Union National Mortgage Co.


3- 4 PM-Evolution of the Secondary Market including   Broker to Banker, Scott Eggen, Senior Vice President Capital Markets, PrimeLending


4- 4:15-Break


4:15-5:15 PM- Report on the Housing Finance Recommendations Issued on 2/25/2013 by the Housing Commission of the Bipartisan Policy Center

Rob Couch, CMB, Counsel, Bradley Arant Boult Cummings LLP

Rob Couch was appointed by the Bipartisan Policy Center to serve on its Housing Commission. The Commission was charged with creating "realistic and actionable policy recommendations" with bipartisan appeal that offer solutions to the nation's suffering housing sector, a crucial element of the economy. The Commission hosted regional forums across the country, actively seeking public input as well as expert advice from industry leaders. In addition, the Commission has conducted a review of the effectiveness of the current housing systems as well as the federal government's role therein. The commission considered the consequences of the current policies in conjunction with the future housing needs of a growing population. Former U.S. Senator and U.S. Secretary of Housing and Urban Development Mel Martinez explained that "we face new challenges for which we need a thoughtful and well-reasoned plan...This group of commissioners is positioned to do just that."

5:15-6:45 PM-Final Exhibit Time and Networking Reception

This is your final chance to have some interactions with our exhibitors and find out what you need to know to bring success to your business.


Friday 3/15

8 AM-Registration Open


8-9 AM-Breakfast


9-10 AM- Industry Update

Mark Fogarty, Editorial Director, Mortgage Group, SourceMedia

Alex J. Pollock, Resident Fellow, American Enterprise Institute


10-11 AM-Quality Assurance Panel

Keith E. Taylor, CRISC, Director, Product Performance

MERSCORP Holdings, Inc.

David Green, President, The StoneHill Group


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.


Legislative Update

By Eric Prutsman, Esq.


House and Senate members have returned to Tallahassee for Interim Committee Meetings scheduled prior to the opening day of Session: March 5, 2013. Although a few hundred bills have been filed, nearly two thousand bills will be filed between now and the first week of March.


We anticipate numerous foreclosure bills to be among the deluge of legislation that will be proposed for consideration. House Bill 87, filed by Representative Kathleen Passidomo, creates a "fast-track" process for foreclosures. Last year, Rep. Passidomo almost succeeded in passing her legislation but it stalled in the Senate during the last week of Session. Additionally, we anticipate legislation to address problems with Citizens Property Insurance, condominiums, and property taxes.


During the most recent committee week, the Legislative Budget Commission approved $60 million of homeowner relief as part of a $334 million grant from the $25 billion joint federal-state agreement that Florida entered with the nation's five largest mortgage servicers. The $60 million will allocated: $35 million for down payment assistance; $10 million for housing counseling; $5 million to the State's court system for foreclosure-related issues; $5 million for legal aid programs; and $5 million for the Attorney General's efforts to remedy the abuses of the foreclosure process. Also, an additional $200 million will likely be appropriated by the Florida Legislature for housing related programs. The agreement provides an estimated $8.4 billion in relief to Florida homeowners and addresses future mortgage loan servicing practices.


We will keep you updated as bills are filed and as legislation moves through the process.

provided by Kristina Holmen-Mohr


While many of us design goals, sometimes we struggle with exactly how to achieve them. The following is slightly modified from some Todd Duncan materials!


When it comes to consistent achievement, success truly lies in your daily routine. In fact, there's no better method for calculating one's probability for success than by observing what he or she does with regularity during the hours of each day. What would we discover if we observed you?


What daily and weekly activities define your life? If you recorded your top five daily and weekly habits on a piece of paper and then handed that piece of paper to someone you've never met, would that person deduce that you are successful based on your habits? If you're not sure then it's probably time to change your regular routine.


If you are serious about achieving leadership success each day - which will lead to big success over the long haul - make the following four habits part of your daily routine:


HABIT #1: GIVE MORE THAN YOU RECEIVE. Nearly three thousand years ago King Solomon wrote, "One man gives freely, yet grows all the richer; another withholds what he should give, and only suffers want." The proverb is still true today. The truest and most fulfilling way of living is by giving more than you receive every day. And as someone once said, "Those who give cheerfully, give twice - once to others, once to themselves." To be successful every day you must be in the habit of giving.


HABIT #2: LOOK FOR LESSONS EVERYWHERE. Henry Adams wisely noted, "They know enough who know how to learn." To reach your potential, you must learn, stretch, and grow every day. And the lessons are all around you: in the people that cross your path, in the places you visit, and in your everyday circumstances. Get in the habit of embarking on each day with a spirit of teachability. Regularly ask yourself: What can I learn from this person, place, or circumstance? Then put the valuable lessons you discover into practice right away.


HABIT #3: PRACTICE WHAT YOU PREACH. There is no substitute for integrity. It is the foundation of true success in any endeavor and the brickwork for significance in every relationship. General Robert E. Lee was once offered a generous $10,000 a year salary to act as the supposed head of an insurance company after the Civil War. His response was indicative of the expectations he placed on himself and those who served under him. He replied, "Excuse me, sir; I cannot consent to receive pay for services I do not render." If you desire daily success and lasting significance in your life, you must be in the habit of speaking and acting with integrity every day. Remember that, as Martin Luther King Jr. said, "The time is always right to do what is right."


HABIT #4: VALUE PEOPLE OVER EVERYTHING. Theodore Roosevelt said, "The most important single ingredient in the formula of success is knowing how to get along with people." In your professional life, how you interact with people - not policies, procedures or positions - will be the greatest determinant of your success. In your personal life, your relationships will either move you closer to your dreams or keep you from them. And at the end of your life, the legacy you leave will not be in the money you made nor in the things you owned but rather in the people you touched. If you desire to make a difference with your life, get in the habit of valuing people through your actions and words every day.


Invest in someone else's potential; tell your family and close friends you love them regularly; spend time with loved ones; and always recognize those who have touched your life and contributed to your success.


German religious writer Thomas `a Kempis noted, "One habit overcomes another." Receive those words as encouragement as you take steps to implement purposeful habits in your life and remove the habits that hinder you being a success every day.

MBA of Tampa Bay 2012 Child auction

MBA of Tampa Bay, by Jay Craig Wright, MBA Tampa Bay President


MBA Tampa Bay their 28th annual Children's Home Auction at the Florida Aquarium on Nov. 15th in Tampa. They are proud to announce they were able to donate $20,000. to the Children's Home. The venue was one to be remembered and we had a record number of supporters. Thanks to everyone who made this night so special.

Tampa Bay's golf tournament is April 12th at the Biltmore in Pinellas County. This is a huge event that benefits MPAC and our legislation commitment for MBAF. Please go to for more information.


  MBA S FL Group at Hospital

MBA of South Florida, by Clarita A. Rosa, FRP, MBA of South Florida President


MBA of South Florida did another wonder holiday trip to the Jackson Memorial Hospital Holtz Children's Ward to provide some jolly ho, ho, ho's and a slew of joyful memories. Click the link below to enjoy some photos.


MBA of South Florida's Holiday Visit~


Upcoming, the MBA of South Florida is hosting their First Annual Golf Tournament on March 22, 2013 at the Biltmore Hotel in Coral Gables. Visit our website to register for event: 

Member News:


North American Title Company is opening a New Branch location on Miami Beach....777 Arthur Godfrey Road. Grand opening in March 2013. Be on the look out for the grand "White Party" invite.

"Happiness is not a when or a where; it can be a here and a now.  But until you are happy with who you are you will never be happy because of what you have." - Zig Ziglar




MBA of Tallahassee,
by Dana Cummins, MBA of Tallahassee President


The MBA of Tallahassee sponsored 2 groups for their Christmas charity this year.  They did their our annual toy drive for the Migrant workers, which they have been sponsoring for the last 25 years.  They also collected cash donations from members and MBAT, totaling $500 for the Gretchen Everhart School.  Gretchen Everhart School is part of the Leon County School system and serves students with intellectual disabilities ages 3-22 years of age.  They focus on helping students apply skills from real life through trips to community settings. It is the goal of the school to help all students achieve to their maximum potential and enjoy an improved quality of life. Activities at the school include participation in Special Olympics, chorus, cheer leading, proms, dances, swimming instruction, family carnivals, and a special family camping trip each fall.


MBA of Jacksonville, by Diane Ekberg, MBA of Jacksonville President


Nationally known trainer and Coach Ken Taylor conducted a "Partners in Profit" workshop for the MBA of Jacksonville on Tuesday, January 8, 2013, at Deercreek Country Club.


A former mortgage banker in Jacksonville, Ken has provided coaching and training support to individuals and companies across the country. He has expanded his programs to include not only mortgage giants like Citi but also the Big 3 automakers in Detroit.


This workshop was kept very affordable for the 37 attendees by the generous sponsorship of Ameris Bank, Elite Title, EverBank, MGIC and Synovus Mortgage.


Framed by his "Model of Success," Ken's presentation provided takeaways in the form of tools and suggestions to create winning strategies.


CMB Logo

The Certified Mortgage Banker (CMB ) designation is the industry standard of professional success. It symbolizes respect, credibility, ethics, and achievement within real estate finance. Earning a CMB instantly places you at the top of our dynamic industry and makes you a part of the elite group that has achieved the highest level of professional success.

You can choose to earn a Commercial or Residential CMB or see if you qualify to earn an Executive CMB. Complete both Commercial and Residential CMB programs to earn your Master CMB. Achievement of these designations represents the epitome of dedication and expertise in the real estate finance industry


Since its inception in 1973, the CMB has been the highest professional designation for the real estate finance industry. The CMB community is made up of outstanding industry professionals and leaders. With such a great community, the designation continues to define excellence within the industry.



Whether obtaining the designation as a personal achievement in their careers, or as a testament to the industry, CMB designees exhibit the dedication that inspires other professionals to strive for excellence. In fact, more than 89% of CMB designees hold the title of vice president or higher, reflecting the level of leadership and commitment designees maintain.   
Be a CMB:
Enroll in the (residential or commercial) CMB program today. Contact us at (202) 557-2766 to learn how close you may already be to earning this distinction   
The Tools to Succeed


The designation program is comprised of several steps. From documentation to exam preparation through graduation, the CampusMBA staff helps you every step of the way.


We have all the right tools to help you succeed. CampusMBA offers award-winning training to help you meet the requirements and prepare for the exam.

If you are an individual who would like to demonstrate your commitment to professional excellence and distinguish yourself as a leader within the industry, the CMB designation is the program for you.


Residential. Commercial. Executive. Master.
Choose the path that is right for you.


When the program was initially developed, professionals who wished to earn the designation were required to learn both commercial and residential finance disciplines before they could earn the CMB. At that time, most lenders ran commercial shops within their organization, so it was expected that professionals could, and would, learn both parts of the industry.


The growth of the industry necessitated the division of companies to focus on more specialized operations and as a result, many new companies appeared on the playing field. Now many successful professionals are experts within their field and may never have had the opportunity or need to learn the other side of the business.


The CMB Society recognized this shift within the industry and resolved to address the progression of our workforce by segmenting the designation into these three distinct groups.

Once a candidate has accumulated 120 points and met the minimum point requirements, he or she is eligible to take the comprehensive written examination. You can prepare for the exam by registering for a prep course - a course designed to help you familiarize yourself with the topics covered on the both the written and oral exams.


Register for the next CMB Prep Course.


The CMB Prep Course is a 6 week instructor-driven on-line course and the best way to prepare for the 6 hour CMB exam. These prep courses are only offered a couple of times each year so take advantage when you can.


The next course starts February 8th.


Please visit CampusMBA for more details and let me know how I can help.


Mike Azzarello, CMB

Chairperson, CMB Society of Florida

[email protected] 


Register for the Written and Oral Exam Prep Course.    
Residential CMB Prep Course
February 8 - March 29, 2013


Commercial CMB Prep Course 



2013 sponsors

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.

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