Keeping You Informed
Spring Newsletter
In This Issue
Mortgage Action Alliance
Newsletter Submissions
President's Message
61st Annual Convention
2015 Eastern Secondary Market Conference
Legislative Update
New 2014/2015 Board of Directors
Chapter News
Chapter Calender
MBA National Takes On Divisity
Compliance Essentials
Thank You Sponsors!
Want to be Extremely, Wildly, Radically Successful?
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





Brenda Thomas

Mortgage Bankers Association of Florida

P.O. Box 592245

Orlando, FL 32859-2245

407-855-6155 FAX: 407-855-0553 



Latisha Moore



Eric Prutsman

Prutsman & Associates, P.A.

P.O. Box 10448

Tallahassee, FL  32302-2448

850-894-6601 FAX: 850-894-6604

Cell: 850-210-2525


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.


CrossCheck Compliance, LLC 


Essent Guaranty

FACTintel LLC 

Genworth MI


Interthinx, Inc.

John Sena Agency, Inc. - 

DBA The Sena Group 

MERSCORP Holdings 

Mortgage Guaranty Insurance Corp.

Motivity Solutions 

National MI

Navigator Lending Solutions 


Residential Credit Solutions, Inc. 

Ronald R. Wolfe & Associates 


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

Michael Dunn

Steven Fraser
Alexis Gabriel 

Matthew Goldman, CLO

Holly Mobari

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.
CMB Society of Florida

Please join us at the Annual Convention Breakfast Meeting with speaker Tom Millon, CMB. It you are a CMB or interested in becoming one, this is a must attend! 


Also remember to sign on to our CMB Society of Florida LinkedIn Group "CMB Society of Florida"  where you can actively post comments or articles of interest. We welcome your comments and interaction either through LinkedIn or directly.  


Additionally if you have any updates for the CMB's please let me know. 


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. See you in June. 


Best regards,

Michael Azzarello, CMB

Chair, CMB Society of Florida

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.   

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. 
Welcome to the MBA of Florida's Spring Newsletter.
President's Message, Alexander Castellanos
Alex Castellanos


How many of you remember Barnett Bank? I never had the privilege of working with Barnett, I just had my first bank account with Barnett. I know many of our members started their career at Barnett and have fond memories of the company. This past Saturday I met with a dear friend of my dad's Carlos Arboleya Sr. Carlos was the first Cuban American to rise to become President and then CEO and Chairman of a Bank in the United States, a position he held at Barnett Bank South Florida. While that is quite an accomplishment in itself, when you get to know Carlos and learn his story you see what true leadership, determination and passion personify.  


Many years ago Carlos purchased his neighbor's house and converted it into his study and place to display and keep the collection of awards, achievements, articles, photos, and other collectibles he has accumulated over the years. As we went through some of them on Saturday morning, all I could think is how one simple man could have such a positive impact on a community, a company, an industry and a country. Many don't know but among the many things Carlos accomplished he personally assisted the FBI in capturing criminals and in negotiating peace during a prison riot where over a hundred guards were held captive. Carlos has been awarded many medals and other achievements but in talking to him you see one of his proudest is the Boy Scout Silver Buffalo, the highest medal the Boy Scouts award. Carlos is selfless man, he is humble and simple, and has an immense passion about doing things correctly, giving thanks and helping others. I invite you to visit his website to learn more about him,


Carlos is a testament to what America is all about, a man can arrive here with $45 dollars in his pocket, a wife and child and work his way up to the top. Along the way many doubted him, shut doors on him and pushed him down. He just picked himself up and kept on going, in the process he helped everyone around him achieve success by pulling them up with him as he rose to the top. He never lost sight of what being part of the community was by giving his time, talent and treasure to the causes that are dear to his heart. He continues to do it all with a passion that oozes from his soul. It is not a motivational speech it is his way of life.


I close my year as President first thanking all of you for the support you all have given me and secondly asking for each and every one of us to live our lives as Carlos has, being proud to be part of this great country, doing our part to serve our family, our clients, our community, our companies, our association and our industry, if we do that the rest will take care of itself.

I am very excited about our upcoming 61st Annual Convention June 18-19 at the Delray Beach Marriott, and I look forward to seeing you there.


Alex Castellanos

President, MBA of Florida 

61st Annual Convention
June 18-19
Delray Beach Marriott
It's going to be a good one folks!

Convention Brochure PDF

Convention Registration Form PDF
Register by MAY 2nd and SAVE $100

Convention Sponsorship Form PDF

Click Here to Access All Information Online

Delray Beach Marriott Hotel Reservation Link
Hotel still has rooms but is filling up fast. Reserve now!

Wednesday June 18th

10 AM Registration Open

2-4 PM Annual Business Meeting

4:15-5:15 PM - TEAMS "Together Everyone Achieves More Success"

Andre J. van Rensburg

You will have a complete understanding of the underlying principles of synergy so that you can assess your own effectiveness and strategically focus on those issues that may impede the efficiency of the team. "TEAMS" uses analogies with nature and the lessons that work teams can learn from animals that live in packs, herds and prides. You will be amazed at how the animals react and act in certain situations which leads to an understanding of what we can learn through nature.

6-7:30 PM ? Or Later! Talent Show and Reception!

Continuing with our TEAMS theme, join us for a fun filled and exciting time and watch as our Local Chapters bring us a look at the hidden talents of our members! There will be judging and a grand prize awarded. After the show the evening is yours to explore Delray Beach.


Thursday June 19th

8 AM Registration Open

7:45-9 AM-CMB Society of Florida Breakfast Meeting with speaker Tom Millon, CMB, President and CEO, Capital Markets Cooperative

8-9 AM-Incoming Local Chapter Presidents Orientation and Breakfast

The incoming Local Chapter Presidents will meet to review their state board duties and provide an orientation to the activities for the year. You will also elect someone as a representative on the MBAF Executive Committee from your group.

8-9 AM-Attendees Breakfast  

(attendees that are not going to the CMB or Local Chapter Breakfasts)

9-10 AM-Economic Update, Doug Duncan, PhD, Chief Economist, Fannie Mae

10-11 AM-Appraisal Panel

Dave Bortolotto, Chief Appraiser, Mortgage Information Services, Inc.

Tom Moser, QC Manager, Dart Appraisal

Mike Floyd, Chief Appraiser, Streetlinks

11-11:20 AM-Refreshment Break

11:20 AM-12:20 PM-Looking Beyond the Forest for the Trees:  

QM is Just the Beginning

Jennifer Creech, CEO/President, InHouse USA

QM and CFPB are the priorities most in the business are concerned about these days, and there are very good reasons for us to be focused on those topics.  But there is a bigger picture - a much bigger picture - beyond the trees in our industry's path.  The government is still our primary investor, and QM and QRM are initiatives intended to standardize investor-grade mortgages going forward so that we can reduce the government's involvement and return to an industry funded primarily by private capital.  What can the valuation community do to make that larger goal come to fruition and usher in new, better era for mortgage liquidity?  Among other things, we can use technology to manage our processes better and more transparently, provide superior products and service to our borrowers, and bring lenders greater control in their compliance and collateral risk scenarios.

In this session, Jennifer Creech, president and CEO of InHouse, Inc. illuminates the role of the valuations industry in creating a compliant, economical and transparent lending environment for the present and future.

12:20-1:30 PM-Networking Luncheon

1:30-2:30 PM-Executive Panel

Bob Cabrera, CEO, Regions Mortgage

Stan Middleman, CEO, Freedom Mortgage

Charles Clark, SVP, Director of Mortgage Warehouse Finance, EverBank

Jeffrey Walker, Executive Vice President, Retail National Production Manager, SunTrust Mortgage

2:30-2:45 PM-Refreshment Break

2:45-3:45 PM-Technology Showcase

Michael Kelleher, Co-Founder,Easy Mobile Apps

Vincent Furey, OpenClose

Don Rubin, New Account Sales, Calyx Software

Michael Dennis, Chief Security Evangelist, InnerTag Inc.

3:45-5 PM-Industry Panel

Christy Moss, Senior Account Manager Business Development, Fannie Mae

Terry Koerner, Account Manager, Community Lending, Freddie Mac

Tim Lange, Senior Director for Policy for the Nationwide Multistate Licensing System (NMLS)

David Westcott, Director, Homeownership Programs, Florida Housing Finance Corporation

Dan Rogers, III, Director, Atlanta Homeownership Center (HUD)

6-10 PM (Evening Dressy)

Installation Reception and Banquet

Installation of the 2014/2015

Officers and Local Chapter Presidents

Presentation of the Brown L. Whatley Award

(Reception at 6 PM-Dinner Seating at 6:45)


Friday June 20th

8-11 AM-2014/2015 Board of Directors Breakfast and Meeting  

Mark Your Calendars! 
Announcing our 12th Annual Eastern Secondary Market Conference with Exhibits 
February 11-13, 2015

We are going back to the Hyatt Regency Orlando, having very positive comments on this location except that the room rate was a bit high so we negotiated for a $219 rate, which is a savings of $30 per night from this past year!

We will be asking for committee volunteers and will send out a Call for Conference Presentations within the next couple of months.

If you are interested please email
Legislative Update

by Eric Prutsman, MBAF Legislative Representative 


Every legislative session is unique in its own way, and the 2014 Session is no different. For the first time in years, there hasn't been a rush by legislators to file foreclosure and property insurance reform legislation. Although there are still plenty of issues to address in the property insurance market, the absence of foreclosure bills appears to be an indicator that the Legislature is looking forward, not backward.


Earlier this Session, MBAF President Alex Castellanos, and other members of the Executive Committee, visited with legislators in Tallahassee to convey MBAF's appreciation for the Legislature's past efforts on behalf of our members. Those early-Session legislative meetings pay dividends later in Session when legislators check-in with MBAF to ask our advice on how a particular bill might impact the industry and our members.


We have worked closely this Session with State Representative Ritch Workman who has sponsored House Bill 631 relating to mortgage lending. The bill is a "clean-up" proposal that repeals various provisions of Chapter 494 that are no longer necessary due to federal preemption by regulations coming out of Washington, D.C. The Senate companion bill to HB 631 is SB 666, and is sponsored by State Senator Nancy Detert. Both bills are on track to be considered by their respective chambers.


Another issue that has been on the minds of many Floridians is finding a "fix" to the flood insurance crisis. Senator Jeff Brandes, and Representative Ed Hooper committed to finding a solution early in the Session. The bills, SB 542 and HB 879, authorize insurers to offer flood insurance in Florida. Although Congress continues to reassure constituents that it will find an answer, Sen. Brandes and Rep. Hooper decided that Florida should control its own destiny on the issue. The Senate has already passed its bill, and the House bill has passed all of its committees and is waiting to be heard on the House Floor.


With only a couple of week left of the 2014 Session, there still is plenty to do and plenty of bills that hope to make it to the Governor's desk. We'll return soon to report on what bills passed and which bills didn't. 


2014/2015 MBA of Florida's Board of Directors
We are pleased to announce our incoming Board of Directors. Installation takes place at the upcoming convention in June. Below are our Executive Officers, Directors, Local Chapter Presidents and Committee Chairs.




Jay Ralstin, Envoy Mortgage, LTD, Tallahassee



Sandy Garcia, Sierra Pacific Mortgage, Tampa



Kevin W. Strickland, SunTrust Mortgage Inc., Maitland



Pat Gaver, Capital City Bank,Tallahassee



Matthew Goldman, CLO, Orlando



Alex Castellanos, BB&T, Miami



(Elected at the Convention at the Local Chapter Presidents meeting on Thursday morning)


2014/2016 Directors (●TERM ENDS JUNE 2015)

● Dana Cummins, BB&T, Tallahassee

Ben Fant, Affiliated Mortgage Companies, Jacksonville

Dustin Owen, Winter Park

● Michael Azzarello, CMB, Jacksonville



Randi Gocinski, Radian, Coconut Creek

Cammie Aucoin, Sierra Pacific, Tampa

Brett Bosarge, BB&T, Tallahassee



● Dena Howrigan, United Guaranty, Palmetto



Margie Fletcher (elected 2005), Tallahassee

Chuck Ivy (elected 2006), EverBank, Jacksonville

Georges Lussier (elected 2010), BB&T, Sarasota




Patti Spaniol, United Guaranty, Rockledge



Mary Lou Bear, BB&T, Sarasota



Mick Dolan, Jacksonville



Robert Villalon, Miami Lakes



Teresa Walker, Habitat for Humanity of Lee and Hendry Counties, Inc., North Ft. Myers



Laura Hewitt, Prime Meridian Bank, Tallahassee



Bill Daniels, Raymond James Bank, Tampa




Brett Bosarge



Dana Cummins



Michael Azzarello, CMB

Kevin Strickland (always Vice President)



Matthew Goldman, CLO (always 2nd VP)



Sandy Garcia (always President-Elect)



Dena Howrigan

Pat Gaver (always Secretary-Treasurer)



Ben Fant



Sandy Garcia (always President-Elect)

Alex Castellanos (always Past President)

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. Below are some reports from our chapters on what is going on with them!  


by Matthew Goldman, CLO, MBA of Central Florida President  

MBA of Central Florida has had a great first quarter of 2014. In January we enjoyed a joint meeting with FAMP, and heard Andrea Lee Negroni, Of Counsel, BuckleySandler speak on "Social Media is HOT for Marketing - But Do You Know the Risks?" Then in February we learned about "Mortgage Originations Version 14 - What Systems Are You Running?" by Steve Richman, "That MI Guy," with Genworth Financial. We learned some interesting statistics in March from John B. Jung Jr. ,Senior who is Managing Director of BB&T Capital Markets who spoke on "Competing in Today's Global Economy." Our Chapter always collects at every meeting and event donations for SafeHouse of Central Florida which is a non-profit organization dedicated to seeing an end to the cycle of domestic violence. We continue at every meeting to raise funds for MPAC donations thank you to the support of our members. We are excited at our April meeting to begin a huge fundraiser for MPAC. We are selling a limited number of tickets for an opportunity to win a Tablet. Our chapter is determined to exceed our donation amount to MPAC from last year, and we believe this will enable us to do so. We are also excited for our 18th Annual Golf Tournament on Monday, May 19th, 2014 at Heathrow Country Club. For information on upcoming meetings and events please visit our website at


by Randy Galloway, MBA of Jacksonville President 

Our chapter partnered with FAMP, NEFBA and NEFAR to hold a North East Florida Real Estate Symposium which was well attended by over 250 industry folks.  We had sponsors for the event and offered a free full breakfast.  Our chapter brought in over $2500.00 for that event!  We continue to have over 20 attend our breakfast meetings the first Thursday of each month.  We have established our new leaders for 2014 - 2015 and they will take the reins at our June 5th Meeting.  We are in the beginning stages of planning our 2014 1st Annual Golf Tournament which will be held on October 10th.  At this time we continue to push forward, grow and be in involved as an organization.


by Randi Gocinski, MBA of South Florida President 

We started our year with Sue Dutcher, First American Title Insurance Company who presented "Referrals-One of the Keys to Your 2014 Plan" .  In February we has Steve Richman presenting "Mortgage Orginations Version 14, What System are you running" In March we had Susan Walsh from Radian present "Sell Like a Rock Star".  Our biggest meeting so far this year was April where we had Russell McInerney discuss "How You CAN get a condo approved over 75% LTV", there were 62 attendees!


May 2, 2014 MBA of South Florida holds its Second Annual Golf Tournament at Bonaventure Country Club.  Title Sponsor Mortgage Information Services, Gold Sponsor JPMorgan Chase, Silver Sponsors BB&T, Dart Appraisal, PRMG(Paramount Residential Mortgage Group), Bronze Sponsor UAMC(Universal American Mortgage Company) and American Bancshares. 100% of the raffle and mulligan ticket sales go directly to Make-A-Wish Southern Florida.  Our goal is to raise $5,000 to support one wish.  We currently have 70 golfers registering and hopefully more in the next week.


 MBA of Tallahassee 

(pictured Stephanie Kern (L) and Dana Cummins (R)  


The Women's Council of Realtors of Tallahassee, hosted the 23rd Annual Chili Cook off on 2/25/2014.  MBA of Tallahassee sponsored their past president, Dana Cummins, to cook.  Dana is a veteran winner of this event and has brought home the hot & Spiciest award 2009,2010,2012 and 2014!  WCR does this as one of their main fundraisers every year.  The WCR President will select a charity in the community to donate the proceeds to.

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


Click Here to Access the Chapters - Click the Chapter Links once on our web site! 

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

MBA National Takes On Diversity 

In order to serve consumers, the real estate finance industry must reflect the demographics of America in both our workforce and our lending. Census data indicates that by 2050, the United States will be "minority-majority." We've made progress in recent years, but not nearly enough


So we decided we needed a plan. We gathered some great minds and caring individuals, and got to work, the result of which was the 2013 launch of MBA's Diversity and Inclusion Committee. Over the next several months, you'll hear more about committee initiatives and how you can get involved, but right now, we invite you to join your colleagues at our first  Strategic Markets and Diversity Conference, taking place June 25-27 in Washington, DC.

This important event will bring together top industry experts to explore everything from best practices in fair lending, to growing your business through diverse markets, to recruiting and retaining top talent, to compliance under Dodd-Frank section 342. Don't miss this outstanding opportunity to discuss the many ways a more diverse workforce leads to innovation and growth.


MBA takes our leadership role in the real estate finance industry very seriously, and we are very excited about the potential of this new initiative. We hope you will join us in moving it forward. Register today.




Debra Still, CMB                                                              David H. Stevens

President and Chief Executive Officer, Pulte Mortgage  President and Chief Executive Officer, MBA

Chair, MBA Diversity and Inclusion Committee

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.

Thank You to Our 2014 Sponsors (more on the way for our convention too!)
There is still time to support us! Sponsorship Form - Click Here

Want to be Extremely, Wildly, Radically Successful?

Joel Peterson, Chairman, JetBlue Airways, Stanford Business School 

Submitted by Kristina Holmen-Mohr, CMB, LTG, AMP


Whichever adjective you select for the success you're seeking - extreme, wild, radical - is it really possible that a few tweaks could be all you need to reach these new heights?


Last week I read a popular LinkedIn post in which the author, Alex Banayan, promised to disclose "The 5 Traits of Wildly Successful People". This sounded like a bargain: just 5 steps to wild success. With such straightforward tips - be persistent, ignore convention, be a problem-solver, cut back on sleep, build good relationships - taking life to the next level sounded downright easy.


Indeed, countless blog posts list success-ensuring traits, the kinds of virtues or habits everyone should cultivate. Some recipes for success include as few as five ingredients, as did Mr. Banayan's, or as many as 50.

But here's the thing: Fun as it may be to peruse these lists, simply reading through grab bags of traits and attitudes won't ensure success in work and life. The very reason success is elusive is that it still requires a lot of hard and often tedious work. Not just daily work at the office, but the constant work of making ourselves into more effective, more adaptable, more thoughtful people. That's what it means to build character. No secrets here. Just hours, days, months, and years of persistence in doing what matters most, honoring commitments, and working well with others.


For over twenty years, I worked closely with Stephen R. Covey, author of "The Seven Habits of Highly Effective People" - one of the best-selling business books of all time, with 15 million copies sold in 38 languages. Many of today's list-like blog headlines are derivative of his famous title and insightful suggestions for building a principle-centered life.


Stephen - who passed away last year - might have been distressed at how his approach to building habits for successful living has morphed into a cottage industry of those peddling lists of secrets to wild financial windfalls and potent influence.


Stephen was not about these 'ends.' Instead, he was about being mindful of the person you become on the way there. He celebrated the idea of finding one's "true north," the guiding set of ethics and habits through which people develop character. He liked to quote Aristotle on the subject: "We are what we repeatedly do. Excellence, therefore, is not an act - but a habit."


Covey wasn't talking low-level habits like brushing your teeth, washing the dishes or showing up early for meetings. His "habits" were ones of character - the kind that take time and repetition to build. Some were about thinking, some were about doing, some were about treating others with respect - but they were all about building character, about doing the right things over and over until they become ingrained -- what Aristotle called the "stable equilibrium of the soul."


Aristotle's notion - the one Covey also espoused - is a profound one. Success in life is rooted in aligning our actions with our values, until our choices flow naturally, and without calculation, from our character. Like everything else worth doing, this is a matter of consistent, determined practice - as unromantic, familiar, and headline-unfriendly a secret as that may be.


So, nothing against lists, and nothing against anything that can inspire or help you become more successful. But, in my experience, there are no shortcuts to success.

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