12 P.M. to 3:30 P.M. 

Exhibitor Set Up 

1:30 to 2:30 P.M.

Today's Real Estate Market in Perspective
Mortgage Network, Inc. Executive Vice President Brian Koss

Brian Koss will be discussing today's real estate market and how individuals and companies need to and can change to adapt and grow in a healthy way.  We can do this by raising standards and holding ourselves accountable for how we run a business and treat our customers.

2:45 to 4:15 P.M.

Army Ranger in "Black Hawk Down" Mission Talks about Survival & Success

Keni Thomas is an engaging speaker whose story captivates audiences from beginning to end.  The highly successful movie, "Blackhawk Down," is based on his Army company's mission in Mogadishu, Somalia.  His presentation focuses on leadership, teamwork, and the importance of training.  From the motto of "Train as you fight.  Fight as you train," Keni shows how an emphasis on training and continuous improvement plays a vital role in the survival and success in battle and in life.

4:15 to 7:30 P.M.  

Meet the Exhibitors Reception:  Music, Games, Cash Bar, & Heavy Hors D'oeuvres
Why don't you stay a while & have some fun?

6 to 7:30 P.M.

Dessert, Coffee, & Raffle Drawings (Must be present to win)

7:30 to 8:30 A.M.

REGISTRATION & FULL BUFFET BREAKFAST

8:30 to 8:45 A.M.

Welcome
MBBA-NH President Gladys White

8:45 to 9:45 A.M.

Economic Update with a New England Focus
Freddie Mac Deputy Chief Economist Amy Crews Cutts

In today's shifting housing market, it is imperative to leverage mortgage and lending market trends to realize new possibilities for your borrowers and build your business. Freddie Mac's Deputy Chief Economist will discuss the near and longer term outlook for the nation and New England's economy, housing markets, and the mortgage market. What happens after the subprime crisis? What are the implications of higher foreclosures on originations? Where are interest rates headed? What are the risks and where are the opportunities? You'll find out here.

10:00 to 11 A.M.

THREE BREAKOUT SESSIONS (choose one):

1.

How to Stop Wasting Time and Stay Focused
Deb Titus, Dale Carnegie

Based on principles developed by Dale Carnegie such as "living in day-tight compartments" and his "magic formula for effective decisions", this revolutionary program will show you how to lock out distractions, resolve those nagging issues, prioritize activities by potential pay-off, and to concentrate only on those tasks that are worth your time investment.

2.

Reverse Mortgages:  Pros & Cons
Brenda Grauer, Trainer, AARP (invited)

Reverse mortgages are considerably different from other kinds of mortgage products, and they can be quite complicated. Because your borrower has a lot at stake in his/her home, it is important to thoroughly understand the details of this mortgage option.

This session provides an overview of the three main types of reverse mortgages. It also explains several alternatives to reverse mortgages—additional sources of income that might make more sense for your borrower's situation. Throughout the session, unfamiliar words and concepts are defined. After completing this session, you'll be better equipped to decide whether a reverse mortgage is right for your borrower.

3.

Understanding Appraisals in a Declining Market
MGIC Underwriter Brendan J. Browne

Learn how to interpret appraisals and avoid appraisal problems in a declining real estate market. 

11:15 to 12:15 P.M.

THREE BREAKOUT SESSIONS (choose one):

1.

How can You Earn MBBA-NH's Certified Mortgage Professional (CMP) designation & National Association of Mortgage Broker's (NAMB) Lending Integrity Seal of Approval
MBBA-NH Executive Director Meg Malette
NAMB New Hampshire State Delegate & MBBA-NH Board Member Jon Wentworth

Are you a professional in the mortgage finance industry?  Do you want to set yourself apart from your peers and advance your career?  Then MBBA-NH's CMP and NAMB's Lending Integrity Seal of Approval are for you!  Please join us to learn what the programs are all about, their requirements, time frame, benefits, costs, etc.  At the end of this session, you will have gained full knowledge of each program and know what you need to do to pursue these sought after professional designations.

2.

Getting Ready for a State Examination:  Privacy & Procedures
New Hampshire Banking Department Senior Examiner Michael Poulios

The New Hampshire Banking Department expects that all mortgage bankers and brokers pass the state examination process with flying colors!  Ensure that your business is compliant, especially with regard to written procedures and privacy within your company.  Mr. Poulios will review common violations, and there will be time for questions and answers.  So bring your questions to this informative session!

3.

FHA Reform:  The New Legislation and How to Implement with Your Client
Mortgage Training Solutions Trainer Cathy Parker

Come learn how to incorporate the new FHA guidelines.  A review of the basic program eligibility - maximum mortgage limits, borrower investment requirements, and sources of funds to close - will be discussed, as well as acceptable property types and enhancements to the basic program, i.e., Streamline K and EEM. 

1st Topic

Advanced Credit Issues
CBCInnovis Sales Representative Paula Deshaies

So you know how to read a credit report, but what determines a FICO score?  Some borrowers are not ready to purchase because of bad credit.  How can you counsel them to work toward repairing their credit?  Get the answers on credit supplements, and make sure you bring your own questions with you to this informative session.

2nd Topic

Legislative Update:  What's Going on Now?
Title Resource Guaranty Co. Regional Manager James J. Fleming

Mortgage finance legislation has been at the forefront of our legislators on Capitol Hill and at the Statehouse.  This legislative update will bring you current on the important issues, a must for everyone in mortgage finance today! 

3rd Topic

Effects of Natural Disasters on Flood and Home Owners Insurance
National Flood Insurance Program Richard Saboda
Liberty Mutual Sales Representative Jake French

Natural disasters have become more frequent with the onslaught of Hurricane Katrina and New Hampshire's Mother's Day floods of 2006.  Furthermore, meteorologists predict that the northeast will continue to experience an increase in storms.  This session will discuss how these storms have changed the way insurance companies now do business with their flood and home owners insurance.  Come learn how these changes will affect the way we do business in the mortgage finance industry and what insurance changes we can expect in the future.

3:15 to 4:15 P.M.

Breaking through Barriers:  Success IS Attitude
Former College Hockey Star & Quadriplegic Travis Roy

Eleven seconds was all it took. Eleven seconds to stop cold a shining career scarcely before it had taken off on the ice.

Travis Roy's story is a story about America's love affair with sports and the people who embrace its never-die spirit. Most of all, it is the story of one young man who surrendered to no limits and defied all odds, both before and after the tragedy that ended his game.