Keeping You Informed

Winter Newsletter

In This Issue
Member News
Compliance Essentials
Mortgage Action Alliance
President's Message
Eastern Secondary Market Conference
Companies Registered for the Conference
Why Should We Join?
Legislative Update
61st Annual Convention
Visit our Chapters
Chapter News
Newsletter Submissions
Reminder-New PO Box
Thank You Sponsors!
Marion Harlan Whatley
2013/2014 Board of Directors
Executive Committee


Alex Castellanos




Jay Ralstin

Envoy Mortgage



Sandy Garcia

Sierra Pacific Mortgage



Kevin W. Strickland

SunTrust Mortgage Inc



Pat Gaver

Capital City Bank



Matthew Goldman, CLO



Daniel Harrison



John Cosculluela, CMB


Carole Hendricks


Michael Azzarello, CMB 

Jamie A. Thornton

Consumer Direct Mortgage, a Division of FirstBank   


Dana Cummins



Dustin Owen

Ben Fant
Affiliated Mortgage Companies

Associate Director

Dena Howrigan

United Guaranty


Director Emeritus

Margie Fletcher (elected 2005)  


Chuck Ivy (elected 2006)



Georges Lussier (elected 2010)


Local Chapter Presidents


Matthew Goldman, CLO



Joe Adamaitis 



Randy Galloway



Randi Gocinski




Tim Allen, CMB 

Sierra Pacific Mortgage



Brett Bosarge 




D.J. Rondeau

Thank you for being a member of the MBA of Florida
(*New Members This Year in Green)

Financial Institution Members

Academy Mortgage Corporation

Acopia Home Loans

Affiliated Mortgage

Ameris Bank  

Angel Oak Funding

Bank of America

BMO Harris Bank


Capital City Bank

Centennial Bank


Churchill Stateside Group, LLC 

Community Bank

ConsumerDirect Mortgage, Division of FirstBank  

CTC Mortgage LLC

Deephaven Mortgage

Embrace HomeLoans

Envoy Mortgage 


Farm Credit of NW Florida

First Commerce Credit Union

Florida Capital Bank

Florida Housing Finance Corp.

Franklin American 

Group One Mortgage

Hamilton Group Funding

Hancock Bank

K. Hovnanian American Mortgage
Liberty Home Equity

Regions Mortgage

Sierra Pacific

SunTrust Mortgage

The Mortgage Firm

Thomas Mortgage & Financial Services 

Towne Mortgage Company

VyStar Credit Union

Wells Fargo


Associate Members


Attorneys' Title Insurance Fund, Inc.



Essent Guaranty

Genworth MI 

Interthinx, Inc.

MERSCORP Holdings 

Mortgage Guaranty Insurance Corp. 

National MI

Navigator Lending Solutions 



Southern Title Holding Company

Stewart Lending Services 

The StoneHill Group 

United Guaranty



Local Chapters

Gulf Coast MBA

MBA of Central Florida

MBA of Jacksonville 

MBA of South Florida

MBA of SW Florida

MBA of Tallahassee

MBA of Tampa Bay


Individual Members

Jane Ashley

Michael Azzarello, CMB

William Cannova

Brent Chapman 

John Cosculluela, CMB 

Matthew Goldman, CLO

Julie Sneed

Alan Verch, CMB 


New Members Interested in Joining Click Here 


 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 

John Chludzenski Joins Sierra Pacific Mortgage 

I have made a career decision in my 30+ years in the mortgage industry to pursue a path as a licensed Mortgage Loan Originator. As a professional mortgage loan expert I can advise clients of their best options. When you are making one of the most expensive complex purchases and investment in your life you will feel more confident and comforted knowing that you have years of experience by your side throughout the entire mortgage process.

If you or a relative, colleague, or fellow countrymen are searching for any type of mortgage loan, please contact me. I am approved to originate in 25 states which includes yours. Thank you for your consideration.

John Chludzenski, AMP

Sierra Pacific Mortgage

4300 W. Cypress St. #100

Tampa, FL 33607

855-447-8800 office

813-610-4342 cell


ARCH Capital Group LTD. Announces Closing of Acquistion of CMG MI and PMI's Operating Platform - Press Release Here


Hamilton Group Funding Appoints Maria Fregosi as VP, Chief Capital Markets Officer - Press Release Here 

Compliance Essentials 

MBA Compliance Essentials provides a clear picture of what your company needs to do to comply with new and existing mortgage rules. MBA's in-depth resource guides include model policies and procedures, and are meant to support your company's creation of a robust Compliance Management System (CMS).

Materials are developed in collaboration with expert legal counsel from leading firms serving the real estate finance industry and the Mortgage Bankers Association (MBA). You get the benefit of the most in-demand attorneys focused on real estate finance, at an affordable cost.

Top Features


  • Sample policies and procedures
  • Compliance checklists and charts
  • Comprehensive background and analysis by top industry legal experts in conjunction with MBA in-house legal staff
  • Updates included as rules evolve

SPECIAL OFFER: Because of the MBA of Florida's partnership with the national MBA, MBAF members can purchase Compliance Essentials directly from MBAF at a significantly discounted price.

Huge savings to MBA of Florida and MBA members! It pays to join.

Mortgage Action Alliance

The Mortgage Action Alliance (MAA) is a voluntary, non-partisan and free nationwide grassroots lobbying network of real estate finance industry professionals, affiliated with the Mortgage Bankers Association. MAA is dedicated to strengthening the industry's voice and lobbying power in Washington, DC and state capitals across America. Get involved with MAA to play an active role in how laws and regulations that affect the industry and consumers are created and carried out by lobbying and building relationships with policymakers. It only takes a moment to get started, and you do not have to be a member of MBA to enroll.  View the simple step-by-step overview of how to join and how to participate.  


Example of how the MAA works for you.


Recent communication from MBA Washington:

Senate Passes Flood Insurance Provisions Reflecting MBA and MAA Advocacy Interests

On Thursday, the Senate passed S. 1926, the Homeowner Flood Insurance Affordability Act. This legislation, if signed into law, would place a four year delay on premium increases that are supposed to phase in next year under new and updated government flood maps. It also would allow homeowners to pass below-cost policies on to people who purchase their homes. Included in the bill is an MBA-supported amendment pertaining to National Flood Insurance Program escrow requirements. The amendment, sponsored by Senator Kay Hagan (D-NC), clarifies that only first liens originated after the statute's effective date must have escrow requirements for flood insurance. Additionally, as a result of strong MBA advocacy, an amendment by Senator Jeff Merkley (D-OR) was successfully defeated. This amendment, which was withdrawn, would have placed limitations on force-placed insurance and prohibited insurers from providing free tracking and administration services to servicers. Attention now turns to the House, where MBA has been laying the groundwork for consideration of the escrow provisions.

In addition to MBA's letter sent to Senate leadership, and MBA's joint letter with coalition partners - both on the amendments noted above, early this week hundreds of Mortgage Action Alliance (MAA) members contacted their Senators, successfully urging them to oppose the Merkley Amendment. To join MAA in future advocacy on behalf of the real estate finance industry, please click here.

For more information, please contact Meghan Sullivan, (202) 557-2866 or Brad Cheney, (202) 557-2913.
For more information on MAA, please contact Annie Gawkowski, (202) 557-2816.
Welcome to the MBA of Florida's Winter Newsletter.
President's Message, Alexander Castellanos
Alex Castellanos

February? It's amazing how time passes so fast when you are having fun. Is the party over for our business? Those of us that have been around know the beat goes on. Some may need to reinvent themselves but I think the current climate is ripe for innovation. The real question is which companies are going to take advantage of the opportunities and which are going to be like turtles and just hide in their shell. We MUST adapt to achieve.


QM versus Non QM, the lenders that understand and make NON QM loans will definitely have a market with less competition and with plenty of business opportunities. Furthermore we can add Conforming Vs. Non-Conforming, as the conforming rates and property values continue to increase more and more homeowners will be seeking non-conforming loans amounts. This is a great opportunity for mortgage bankers to grow market share and make loans in the non-conforming space, and it goes without saying that if FHFA lowers the conforming loan limits or if the agencies are eliminated or dramatically restructured the non-conforming space will play a pivotal role in the future of our industry.


Our business is a people business and we must never lose sight of that. Technology can make us more efficient, systems can make the manufacturing more standardized, laws can set the playing field but people are needed to guide, explain and provide advice and counsel. All the changes over the last few years have just made it more apparent that our business needs people now more than ever. Our clients will remember us more for the way we treated them and interacted with them including the recommendations we gave them, than the manner in which they submitted their application.  The mortgage industry is a noble profession. For most of our clients a home is the largest purchase they will make, and our guidance and advice empower them to make the decisions that will shape their lives for years to come. Never lose sight of why we do what we do; we help families have a home. Lastly, get ready as the largest generation in history is entering the home buying market. I am bullish on our business and look forward to a smarter more efficient mortgage industry.

I encourage each and every one of you to continue learning about the industry we are part of, visit for information on all the courses the MBA has to offer.


I look forward to seeing you at our upcoming Eastern Secondary Market Conference with Exhibits. Talk about some great education, outstanding speakers providing their best ideas and information along with plenty of opportunities to network with your fellow industry partners, you'll get this and more just one day away. If you have not yet registered you may still do so but on-site only at our MBAF Registration Desk in the International Ballroom Foyer of the Hyatt Regency Orlando. Don't miss out. The program and other information is below in this newsletter.


Alex Castellanos

President, MBA of Florida 

Eastern Secondary Market Conference with Exhibits
February 5-7, 2014 at the Hyatt Regency Orlando
(formerly the Peabody)

The conference begins this week! Pre-registration is closed but you may still sign up on-site at our registration desk in the International Ballroom H-K Foyer. 


Final Conference Brochure 


Conference Speaker Bios 


Conference Exhibitors 



Companies Pre-Registered

Accenture Mortgage Cadence

Acopia Home Loans

Affiliated Mortgage Company

Alarion Bank

Alston & Bird LLP

American Bancshares Mortgage, LLC

American Enterprise Institute

Ameris Bank

AmeriSave Mortgage Corporation

Arch MI

Associated Bank

Bay to Bay Lending LLC

BB&T Mortgage Correspondent Lending

BofI Federal Bank

Branch Banking & Trust Co.

BSI Financial Services

Capital City Bank

Capital City Bank Group

Capital City Bank, Residential Mortgage

Capital Markets Cooperative

Carrington Holding Compay LLC


Christensen Financial, Inc.


CitiMortgage, Inc.


CMG Financial

Compass Analytics

Consumer Direct Mortgage, a Division of FirstBank

Consumer Real Estate Finance Co.

CrossCheck Compliance LLC

Deephaven Mortgage

DocMagic, Inc.

Embrace HomeLoans, Inc.

Envoy Mortgage LTD

Essent Guaranty, Inc.


Fannie Mae

Fannie Mae-Washington

FBC Mortgage LLC

Fidelity Investments

Fifth Third Bank

First Federal Bank of Florida

First Florida Bank

First Guaranty Mortgage Corporation

First Tennessee Bank Warehouse Lending

Five Oaks Investment Corp.

Franklin American Mortgage Co.

Freddie Mac

Freedom Mortgage

Freedom Mortgage Structured Products Group

Genworth Mortgage Insurance

Georgia Banking Company

Green Tree Servicing LLC

Green Tree Servicing LLC - Correspondent

Group One Mortgage, Inc.

Hamilton Group Funding, Inc.

Hamilton Group Funding, Inc.

Home Financing Center


Kroll Factual Data

Manhattan Capital

Merscorp Holdings, Inc


Merscorp Holdings, Inc

MIAC (Mortgage Industry Advisory Corporation)

Mortgage Bankers Association (National)

Mortgage Builder

Mortgage Capital Trading, Inc. (MCT)

Mortgage Guaranty Insurance Corp.

Mortgage Information Services, Inc.

Mutual of Omaha Bank

National Bank of Commerce

National MI

Nationstar Correspondent Lending

Nationstar Mortgage

Nationwide Title Clearing, Inc.

NattyMac Warehouse

Norcom Mortgage

Peak Performance Resources Inc.

Peoples United Bank

PHH Mortgage

Phoenix Capital, Inc.

Pingora Asset Management

Platinum Home Mortgage Corp

Prime Meridian Bank


RBS Americas

Residential Credit Solutions, Inc.

Residential Finance Corp.

rjbWalzak Consulting, Inc.

Rob Chrisman, Inc.

Seaside National Bank & Trust

SG Capital Partners

Sierra Pacific Mortgage

Solidifi Inc.

Southern Trust

Sterne, Agee & Leach, Inc.

Stonegate Mortgage

Sunbelt Lending Services

SunTrust Mortgage

Texas Capital Bank

The Collingwood Group LLC

Thomson Reuters

U.S. Bank

United States Appraisals

Universal American Mortgage Company

W.J. Bradley Mortgage Capital LLC

Wells Fargo Bank, N.A.

Wells Fargo Funding

Wells Fargo Securities, LLC

Accenture Mortgage Cadence

a la mode, inc.

Capital Land Settlements, LLC

Ditio Appraisals

Entrust Solutions, LLC

Equitable Mortgage Solutions


Florida Capital Bank Mortgage

Impac Mortgage Holdings Inc.

InHouse, Inc.

Market Valuation Services

Mortech, a Zillow Business

Optimal Blue

Plaza Home Mortgage, Inc

Plaza Home Mortgage Correspondent Lending

Property Sciences

Regions - Correspondent Lending

The StoneHill Group, Inc.

United Guaranty

Vernis & Bowling, P.A. 

"Why should I, or my company, join up with an association?", Reprinted from Rob Chrisman by Brenda Thomas, MBA of Florida, Executive Director
I am on the distribution list for Rob Chrisman's daily emails and I really try to read through them as they include a wealth of information. Rob will be a speaker at the upcoming Secondary Market Conference and will provide an some important industry updates. However, recently he polled the mortgage industry associations regarding their thoughts on membership and the importance of involvement. Our association mirrors exactly the results from our sister groups. We really are ALL in this together. It's rather long but I am reprinting most of the article from Rob Chrisman from his January 11th distribution. Yes, it's that important.

I am fortunate to be able to visit with local, state, and national mortgage banker & broker associations, and I have seen their membership ranks swell. And I am periodically asked by others, "Why should I, or my company, join up with an association?" I took the liberty of asking the directors/presidents of several groups, including the MBA, for their thoughts - and thank you for responding. (This is not meant to be an all-inclusive list of organizations!)

Lisa Vercher, Executive Vice President of the Texas Mortgage Bankers Association writes, "TMBA membership affords a number of benefits including governmental and legislative advocacy, educational programming, peer interaction, and networking opportunities. Now more than ever membership is crucial to the protection and prosperity of our industry. Mortgage professionals can become leaders in the industry by actively participating as volunteers and committee members. These leaders play an integral role in sharing information, ideas, best practices, and current market developments which are vital for the success of the industry. Such leadership also provides opportunities to target trends and issues relevant to the mortgage industry with other committee members, peers, competitors and potential partners, while providing an opportunity for creative problem solving as well as professional enrichment."


"The number one reason to support your state MBA is for the legislative and regulatory advocacy. Your state MBA is on the front line with policy makers who make decisions that affect your ability to run your companies and provide services to your customers. Just because you don't have an interest in the political arena doesn't mean it doesn't have an interest in you! Support the associations that support you and your business" contributed Susan Milazzo, Executive Director of the California Mortgage Bankers Association. 


Kent Carter with the Oklahoma Mortgage Bankers Association sent, "As was stated at the 100th Annual MBA Convention in October, the mortgage finance industry has moved from "too big to fail" to "too small to comply." The advantage of receiving ongoing assistance from the MBA as well as critical compliance training at the local and state level allows independent mortgage companies and community banks to remain important resources for consumers. Educational programs and the ongoing dissemination of industry changes makes being a member of state organizations critical to those who intend to remain permanent mortgage lenders. Our advocacy efforts have kept some of the overreaching aspects of Dodd/Frank from harming the consumer with unrealistic demands. You and our state organizations will prosper with the involvement of all mortgage professionals."


Joanne Misuraca, Executive Director of the Michigan Mortgage Lenders Association  writes, "With all the legislative and regulatory changes affecting the industry, being a member of your state or local organization is the best way to keep up with it all! Participating on its committees, attending its educational events and networking with other members helps you stay connected and informed. The association provides the real estate finance industry access to the Legislature and state regulatory agencies to help produce and maintain the type of legislation and regulatory climate that permits lenders to fully meet the real estate financing needs of residents. It also provides educational opportunities to help members keep abreast of the rapidly changing mortgage origination, underwriting and servicing environment. The MMLA maintains timely contact with its members through newsletters, email legislative alerts and the MMLA website to relate industry trends and developments."


Candice Nicodin, President of the Mortgage Bankers Association of the Carolinas  pens, "Membership either at the state or local level is more diverse than ever. Each sector has wants and needs, therefore our paint brush must cover a broader area. As our members expand we keep an open ear and welcome change. Coming together as one unifies our position and allows for our voice to be heard. Our arsenal of defense for our members includes education, legislative issues or networking. It is our responsibility to keep our industry healthy and that is done with active participation within our membership." And Rhonda Marcum, Executive Director of MBAC adds, "Membership in the state association amplifies the voice of the individual members on state and federal legislative issues impacting our industry. It provides access to the educational venue provided through the state and serves as an excellent opportunity to network with other industry professionals."


Last but not least, the nationwide Mortgage Bankers Association (Tricia Migliazzo, VP of Membership: supplies, "The center of gravity in the mortgage universe has certainly shifted toward Washington, DC with the passage of the Dodd Frank Act, the implementation of more than 4000 pages of new federal rules, and the creation of new federal supervision and examination agency for independent mortgage bankers. It's more important than ever that community-based lenders be engaged with the MBA's federal advocacy efforts to create one loud and powerful voice for housing finance issues. That said, the role of the states remains critically important. We continue to see state policy makers trying to piggy back on the federal rules, creating costs, confusion and compliance risks that fall most heavily on state chartered lenders. In addition, the state and local MBAs provide critically important of grassroots, boots-on-the-ground support for our federal advocacy efforts, providing invaluable support for our industry issues from companies and employees in the districts and home states of the Representatives and Senators. That is why MBA has spent the past two years strengthening our partnership with the state and local MBAs. We have redoubled our efforts to provide timely information and grassroots engagement opportunities to the states on federal issues."


The MBA continued. "We have dedicated MBA significant staff resources to provide data, policy analysis and advocacy support to the state associations on the issues they are battling in state capitols across the country.  Most important, this partnership is being heard by policymakers and delivering wins for the industry. Some examples: Last fall, 17 state and local associations, working with the MBA, submitted letters to the 6 regulators working on the QRM rules urging that the QRM definition equal the QM, and we are winning that battle. In April 2013, more than 25 state and local associations came to Washington to lead their delegations on Capitol Hill as part of MBA's National Advocacy Conference. In 2013, MBA worked with our state associations to secure adoption of the uniform state Safe Act test (UST) by 39 regulators in 37 states and territories. Last year, MBA worked with the state associations in 6 states to block or amend legislation that would have created state servicing standards that duplicated or conflicted with the new federal rules. We believe in this partnership and are committed to making it stronger.  We are strongest as an industry when every company joins and supports their employees' participation in the local, state and national MBA."


Testimonials for MBA membership:

 "Our annual MBA Membership dues are the best investment we make every year." (Dan Klinger, K. Hovnanian American Mortgage, LLC.)


"Through active member engagement, you can lend your expertise to MBA's grassroots and national policy and legislative agendas to truly be the voice of the industry as the future of real estate finance in America is determined." (Bill Cosgrove, CMB, 2014 MBA Chairman-Elect, President and CEO, Union National Mortgage Co.)


"We get an opportunity to actually meet with legislators, decision makers, and regulators. Those are the folks who are formulating what the future of our industry is going to look like." (Chris George, CMG Financial.)


 "I've had the opportunity to testify on Capitol Hill - and what it let me see was how well-respected MBA is on the Hill - and how we speak with one voice." (Regina M. Lowrie, CMB, Vision Mortgage Capital.)


"New rules are complex, but they are not insurmountable to understand and implement. My company needs resources, education, and a voice in mortgage lending to operate in a compliant and profitable manner. That is why we are an active member of MBA." (Fowler Williams, CMB, Crescent Mortgage Company.)


"We started five years ago - and five years later we're five times the size. And a large part of that is due to the Mortgage Bankers Association." (Philip DeFronzo, Norcom Mortgage.)


"For more than ten years we have participated in MBA's peer-group benchmarking surveys. The information delivered to participants helps us recognize best practices, plan for the future and learn what others are doing to excel in the marketplace." (David Motley, CMB, Colonial National Mortgage.)

Legislative Update
Once again Eric Prustman called on our legislative team and he had our Legislative Chair Jay Ralstin present information on how the effects of the Biggert-Waters Flood Insurance Reform Act of 2012 is causing havoc within the mortgage banking and real estate industry. Jay prepared some remarks below to better educate the Senate.Our members also took action with the MAA and we all now know the positive outcome of this effort. Thanks to all who took an active approach and participated.

The impact of the Biggert-Waters Flood Insurance Reform Act of 2012 has taken some time to sink in, but now that the implementation date has arrived and the financial impact is being realized, it's getting plenty of attention.


Basically, the federal government is phasing out subsidies for flood insurance and the impact on cost and timing varies depending on the use and elevation of the property. The challenge that we face in the real estate business is that if the property is sold or if the policy lapses, subsidies will not be applied to the new premium and the full impact is immediately realized.


In Washington, bills have been written both houses of congress to either delay the implementation of the act or change the act to lessen the severity of the consequence. At the time this article is being written, it's uncertain how successful these efforts will be given the varied impact across the nation.   There are only a handful of states that have a significant impact being felt and Florida tops the list.   In an effort to help the situation with Florida legislation, Senator Brandes presented a bill to the Banking and Insurance committee last month. The Mortgage Bankers Association of Florida supported this bill that would allow for private insurance firms to compete in Florida for flood insurance policies. Currently, only the National Flood Insurance Program is available, and adding a private alternative will hopefully help keep premiums lower.
Don't MISS our 61st Annual Convention!

TEAMS - Together Everyone Achieves More Success

 1) Territory: Know your business, know your customer, know your competition and truly understand what justifies your existence in the territory your team occupies;


2) Trust: Create a culture of trust in the team - this starts at the top - This is about effective leadership;


3) Energize your team through rituals that strengthen the pack: Create effective and efficient communication channels to prevent conflict and misunderstanding;


4) Attention to detail and focus: Know the team objective and make sure every member of the team understand their role to achieve this objective - this is about setting and executing goals;


5) Maintenance: Constantly evaluate your team's position in terms of the past and the future. Train the new members of the team to learn from previous experiences - good and bad and be prepared to evolve with changing circumstances;


6) Strengths: Know and maximize the strengths of your team and its members.


From Andre Van Rensburg, our keynote speaker at the 61st Annual Convention. What to learn more? Register to attend!

Check out the Chapter Calendar of Events
Click the link to access Chapters calendar of events.

(Calendar updates come frequently so remember to check back for new listings.)
Chapter News

The MBA of Florida has seven chapters around the state:



Central Florida

Tampa Bay

Gulf Coast

SW Florida

South Florida


Each chapter has it's own local activities and meetings throughout the year. Each has it's own charity or charities they support. Not only are they actively engaging in education and networking they also support the communities where they live.


The holidays seem like a  long time ago already but the MBA of Jacksonville provided some photos of their Santa Brigade! They took presents to 95 children in the Wolfson's Children Hospital who would not be going home for Christmas. They had folks dressed up as Santa, Roudolph, Mrs. Claus and an Elf.





  It does a heart good! Thank you Jacksonville Chapter! 


MBA of South Florida, by Randi Gocinski, 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 holiday cheer to the children and their families this holiday season.  We were joined by one of Miami's Marching Bands and Color Guard.  A special thanks to Donny Rosenthal for continuing to make this special event happen for the past 30 years.  Click the link below to enjoy some photos.


MBA of South Florida had their first Annual Bowling Event.  Members and their families came out for a night of bowling and pizza.  We raised over $300 for IMPAC that evening. A special thank you to our sponsors for making this event happen, Affiliated Mortgage, All in One Mortgage, CIC Credit, Essent and Radian. 


Upcoming, the MBA of South Florida is hosting Second  Annual Golf Tournament on May 2, 2014  at the Bonaventure Country Club. This years event 100% of our raffle and mulligan ticket sales will go to Make-A-Wish South Florida.   Visit our website to register for event:


MBA of Tampa Bay President, DJ Rondeau 

Once again we had a huge turnout in support of our 29th annual Children's Home of Tampa Silent Auction. It was held this year at the Columbia Restaurant in Ybor City, Tampa. A total of 121 attendees and many sponsors helped the Tampa Chapter write a check to The Children's Home in the amount of $15,970.00 this year.


Our next big event is our annual golf tournament at Biltmore in Pinellas County on April 11th, 2014. Please go to if you are interested in attending or supporting this event for MPAC.

Each chapter is so very active and enjoys the benefit of monthly meetings for greater networking opportunities on a localize level.


Check them out at Click Here and then Click the Chapter Links 

CMB Society of Florida

The CMB Society of Florida is beginning a new year coinciding with the MBA of Florida's fiscal year, July 2013 through June 2014.  As chairperson again this year, I am reaching out to you as CMB's either residing in Florida or doing business in the state of Florida.  I wanted to take a few minutes of your time to congratulate you on your successes and encourage your continued participation within our CMB Society through written and oral communication to keep our CMB Society of Florida strong and informed.


One way of participating is through the CMB Society of Florida LinkedIn Group. If you have not already done so, please join our "CMB Society of Florida" LinkedIn Group and actively post comments or articles of interest. We welcome your comments and interaction either through LinkedIn or directly. Last year we organized to provide some feedback to the National CMB Society about Continuing Education requirements for CMB's. Although CE is not yet finalized, the program seems to make sense for the majority of CMB's partly as a result of your interest and feedback. I will do my best to keep you informed of any further action in that regard or other topics that will be of interest to us.


Finally, allow me to solicit some help to identify all CMB's in our group. Please review link here:


CMB's in Florida and email me ( with others not listed or missing contact information. I thank you for your dedication to our industry and look forward to open communication with each other going forward!


Best regards,

Michael Azzarello, CMB

Chair, CMB Society of Florida

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: 

We welcome all submissions. 
REMINDER to NOTE our NEW Post Office Box Number
P.O. Box 592245            Orlando, FL 32959-2245
For 2014 ALL Platinum Sponsors will be listed on the home page of our new web site all within the scrolling banner showing their logo and and the company link. The Convention Sponsorships are available now online. Support your professional association!
Marion Harlan Whatley
Marion Harlan Whatley (known as Muffet by her friends and family) passed away on January 22, 2014 at the age of 85. She was the daughter of Brown L. Whatley, founder of the MBA of Florida and  Past President of the Mortgage Bankers Association. She attended several of our past conventions, to present the Brown L. Whatley award, named after her father.

Who Was Brown L. Whatley


On June 30, 1952, Brown L. Whatley, president of Stockton, Whatley, Davin & Company, wrote to mortgage bankers throughout Florida suggesting that a state mortgage bankers association be organized.


The response was enthusiastic. More than sixty mortgage bankers throughout Florida met In Jacksonville on August 1, 1952, and formed the Mortgage Bankers Association of Florida.


At the annual meeting of the Mortgage Bankers Association of America held in October 1952, Brown L. Whatley was elected president, the first Florida mortgage banker to be so honored. It was largely through his influence and efforts that the 40th Annual Convention of the national association was held in Miami Beach the following year. The success of this convention, the first held in Florida, provided an auspicious start for the newly organized Mortgage Bankers Association of Florida.


Throughout his life, Brown L. Whatley maintained an active and enthusiastic interest in mortgage banking in Florida. In 1955, he established the Brown L. Whatley Award, represented by a silver bowl on which is engraved the name of the member honored each year for distinguished service to the Association.


On March 3, 1982, tragedy befell Brown L. Whatley. At the age of 81,he and his wife, Marion, died in an automobile accident while en route to the 24th Annual Silver Sand Dollar Mortgage Forum at Ponte Vedra, Florida. This annual event, which attracts mortgage bankers throughout the United States, was founded and named by Brown L. Whatley, who served as its chairman for 22 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.


Thank You for Reading! 

Brenda Thomas
Mortgage Bankers Association of Florida