11 A.M. 

Exhibitor Set Up 

12:30 to 1:30 P.M.
GENERAL SESSION

How to Avoid a Repeat of This Mess
Good economists don't know what happened.  Securitization did not cause the crisis; nothing changed in 2004.  There were enthusiastic borrowers, and there were enthusiastic investors.  Both thought house prices would continue to increase. 

Come to this informative session.  You will learn new reasons why the mortgage meltdown took place from an economist whose focus has been on the mortgage finance industry for many years.  You will also learn what is being done to ensure that history does not repeat itself.   

• Paul Willen, Senior Economist and Policy Advisor, Federal Reserve Bank of Boston

TWO BREAKOUT SESSIONS (choose one):


Andy Cadorette
Education Coordinator
New Hampshire Housing

Gladys White
Senior Loan Officer
Residential Mortgage Services

Mark E. Chalifour
Vice President
Merrimack Title Co., Inc.

BREAKOUT 1
(Two Programs:  A and B)

1:30 to 3:15 P.M.
A.  2 Hour Nontraditional Mortgage CE Course on Government Loans
(ID 1450/Provider 1400374)
Perfect refresher or if you're new to the industry on non-traditional mortgage products:  New Hampshire Housing, Veterans Administration, FHA, and Rural Development.

• Andy Cadorette, Education Coordinator, New Hampshire Housing

• Donna Howard, Senior Underwriter, Merrimack Mortgage Company

• Gladys White, Senior Loan Officer, Residential Mortgage Services

3:15 to 3:30 P.M.  BREAK

3:30 to 4:30 P.M.
B.  1 Hour SAFE CE - Purchase and Sales Agreement:  Getting the Facts Straight (ID 1459/Provider 1400374)
It all begins with the Purchase and Sales Agreement (P & S).  This course will emphasize the need to carefully review the P & S every time.  You will also learn what is important to a mortgage finance professional and what is important to a Realtor.  You work hard to achieve seamless mortgage transactions.  This course will help you reach this goal.

• Mark E. Chalifour, Vice President, Merrimack Title Co., Inc.

BREAKOUT 2
(Two Programs:  A and B)

1:30 to 2:30 P.M.
A.  Social Media and Their Impact
     Discover untapped opportunities with FaceBook, Twitter, and other
     networking sites to increase market share.

• Tony Matos, President, Altos Marketing Group

• Erik Janiak, Account Executive, Altos Marketing Group

2:30 to 2:45 P.M.  BREAK

2:45 to 4:15 P.M.
B.  Building Loan Volume through Marketing
     Get ready to fully arm yourself with time-tested sales techniques that
     work!

• Art Lindberg, Regional Vice President, SIDUS Financial

4:15 P.M.

Marketplace Cocktail Reception

• Support Our Exhibitors by saying "Hello"

• Cash Bar, Appetizers, and BINGO!

5:30 P.M.

Live Auction to Support MBBA-NH's College Scholarship Fund

6 P.M.

Exhibitor Prizes (must be present to win)

6:30 P.M.
    

Continue your evening . . . Dine in or out . . .
Shuttle service provided to hotel guests to and from local restaurants.  Shuttle reservations recommended by calling Jamie Comrie, Bellstaff Supervisor, Crowne Plaza Hotel, (603) 595-4192.

7:30 to 8:30 A.M.

REGISTRATION & FULL BUFFET BREAKFAST

8:30 to 9:30 A.M.
GENERAL SESSION

State of the Economy
Is the Deep Recession over in New Hampshire?   What are the leading indicators?  How does New Hampshire's economy compare to other New England states and the rest of the country?  Please buckle your seatbelts for a ride in search of economic prosperity. 

Dennis Delay, Research Consultant, New Hampshire Center for Public Policy
 

9:30 to 12:30 P.M.
TWO BREAKOUT SESSIONS
(choose one)

Ruth Dillingham
General Counsel
First American Title
Insurance Company

Mark McKeon
President
M. H. McKeon Appraisal Services

1. 3 Hour CE SAFE Federal Law:  New HUD Rule - RESPA Reform    (ID 1268/Provider 1400031)

• Ruth Dillingham, General Counsel, First American Title Insurance Company

Federal law that affects the mortgage finance industry will be discussed in an easy to follow and entertaining format.  All mortgage finance personnel are encouraged to attend this important session.  Knowing and understanding the laws that affect our industry is paramount.  

2. Industry Experts Share the Newest Information on the Following
    Programs:  

• FHA - Cathy Parker, President, Mortgage Training Solutions

• Rural Development—Colleen Ladew, Guaranteed Housing Specialist

• New Hampshire Housing—Brenda Mahoney, Assistant Director of Home Ownership, New Hampshire Housing

• FHA's HVCC—Mark McKeon, President, M. H. McKeon Appraisal Services

12:30 TO 1:30 P.M.

BUFFET LUNCH

1:30 TO 3:30 P.M.
TWO BREAKOUTS
(choose one)

Gary Coffin
President
Horizon Settlement Services

BREAKOUT 1
(one program)

1:30 P.M. to 3:30 P.M.
1.  2 Hour CE SAFE Business Ethics:
    The Golden Rule of Mortgage
    Finance (ID 1439/Provider 1400374)
Don't waste your time sweating over what is right and what is wrong.  Make the right decision every time.  Use the golden rule to guide you.  Concepts presented will be reinforced with case studies.  Other topics include fraud, consumer protection, and fair lending issues.

• Robert Anderson, Professor of Philosophy, St. Anselm College

• Gary Coffin, President, Horizon Settlement Services

• Rick Herrick, Senior Loan Officer, Mortgage Partners, Inc.

BREAKOUT 2
(Two programs:  A and B)

1:30 to 2:30 P.M.
A.  Investor Updates:
Find out unequivocally their latest guidelines and programs.  Get your questions answered here.  Just make sure you prepare a list beforehand!

• Fannie Mae - Scott Scarcia, Senior Account Manager, Fannie Mae

• Freddie Mac - Kathleen Herminghaus, Account Manager, Freddie Mac (invited)

2:30 to 3:30 P.M.
B.  Residential Energy Efficiency:  Big Changes Proposed
Now is the time for everyone to dust off their caulking guns and get them loaded for the "Cash for Caulkers" program.  Federal legislation is being proposed to create good living-wage jobs in construction and related industries by providing strong, short-term incentives for home energy efficiency improvements.  What are the possible impacts of this initiative on the mortgage finance industry?  Come learn about Home Star's gold and silver levels, Property Assessed Clean Energy (PACE), and the Building Performance Institute (BPI).

• Mary Downes, Energy Efficiency Specialist, New Hampshire Office of Energy and Planning

• George Malette, Certified Instructor of the Building Performance Institute (BPI), Manchester Community College

• Mark McKeon, President, M. H. McKeon Appraisal Services

3:30 to 4:15 P.M.
GENERAL SESSION

Denise Leonard
NAMB Government Affairs
Chairperson

Forum with State Legislators and Review of Affecting Federal Legislation
Please join us for not only a state of the state, but a state of the union, especially with regard to the mortgage finance industry.  All speakers have first-hand experience and will share their vast knowledge with us.

• Representative Edward Butler, Chairman of Commerce and Consumer Affairs Committee

• Senate Majority Leader Margaret "Maggie" Hassan

• Matt Langley, Northeast Regional Manager, Franklin American Mortgage

• National Association of Mortgage Brokers (NAMB) Government Affairs Chairperson Denise Leonard

• MBBA-NH Ethics/Legislative Chairperson Peter Simmons

• Moderator:  MBBA-NH Lobbyist Jim Demers of The Demers Group
   

4:15 P.M.

Please drop your evaluation forms off at the registration desk