2017 PROGRAM GUIDE - The Warren Group Events ... Leibert & Jacobson, PC Sponsored by: 11:45 a.m. –...

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1 | The New England Mortgage Expo 2017 PROGRAM GUIDE SCAN THE QR CODE TO DOWNLOAD THE DIGITAL PROGRAM GUIDE PRESENTED BY

Transcript of 2017 PROGRAM GUIDE - The Warren Group Events ... Leibert & Jacobson, PC Sponsored by: 11:45 a.m. –...

1 | The New England Mortgage Expo

2017 PROGRAM GUIDESCAN THE QR CODE TO DOWNLOAD

THE DIGITAL PROGRAM GUIDE

P R E S E N T E D B Y

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3 | The New England Mortgage Expo

Schedule at a Glance7:30 a.m. Registration

8:00 a.m. Exhibit Hall Opens

9:15 a.m. - 10:00 a.m. Concurrent Sessions

10:30 a.m. - 11:15 a.m. Concurrent Sessions

11:45 a.m. - 12:30 p.m. Concurrent Sessions

12:00 p.m. - 1:30 p.m. Buffet Lunch Inside The Exhibit Hall

1:45 a.m. - 2:30 p.m. Concurrent Sessions

2:45 p.m. Raffle Announcements

3:00 p.m.Exhibit Hall Closes

Platinum Sponsor

Gold Sponsors

Bronze Sponsor

Event Partners

RHODE ISLANDM O R T G A G E B A N K E R S A S S O C I A T I O N

Silver Sponsors

Supporting SponsorsMedia Sponsors

4 | The New England Mortgage Expo

BE SURE TO GET YOURGRAND PRIZE RAFFLE TICKET!

I am delighted to welcome you to the

2017 New England Mortgage Expo. The

Expo presents a world of opportunity

for the entire mortgage community, both

residential and commercial. We have

the largest attendee roster, the largest

exhibitor lineup, top industry speakers

and industry-leading event partners all

coming together for a spectacular day at

the Mohegan Sun. We have created a strong agenda with

ample networking opportunities and will deliver excitement

to the hall with live broadcasting, raffle prizes and more.

The coming year will likely be another one full of

challenges and opportunities for the mortgage industry.

As we move into what is likely to be a new economic

environment, I remain more committed than ever to the

importance of our industry and its ability to have a positive

impact on the lives of our consumers and the communities

that we serve. Mortgage lending is a noble enterprise and

one that all of us should be proud to be part of. It is critically

important that we continue be informed on industry and

regulatory trends and best practices. With that in mind,

the Expo has a terrific schedule of keynote addresses and

concurrent sessions focused on priorities for the coming

year and beyond. Our list of speakers include nationally

know subject matter experts.

Make sure to leave time for networking opportunities

at the Expo. It’s always a great venue to reconnect with

old friends and associates and to make new and valuable

professional connections. Of course, don’t forget to enjoy

all the wonderful dining and entertainment options available

at the Mohegan Sun – and by that I mean have fun!

I want to extend my sincere thanks to The Warren Group

for sponsoring this great event. I want to also extend

my heartfelt thanks to our Executive Director Barbara

Goodrich and her tireless staff, Denise and Patty, and to

all of the volunteers from the CMBA for all they do day

in and day out to support our mission and for helping to

make the New England Mortgage Expo the premiere event

of its kind in our region.

KEVIN MORAN

President, CT Mortgage Bankers Association, Inc.

WELCOME TO THE NEW ENGLAND MORTGAGE EXPO!

Sponsored by

ENTER TO WIN $500 CASH

5 | The New England Mortgage Expo

9:00 a.m. – 10:15 a.m.

THE COMMODITY CONUNDRUM: FINDING DIFFERENTIATORS IN A MARKET ASKING FOR SCALABILITY AND REPEATABILITY – PEQUOT/PAUGUSSETT

Steve Richman

In the ever changing market, you need a solid foundation to be able to compete, but you need unique

offerings and services to surpass the competition. In this session, we will explore the required foundation

(market, environment, product, customer and self-analysis) and then discover how to apply new ideas,

technologies and value adds to distance yourself from the competition. Additionally, we will discuss

making business partners “friends” and how to get your customers to think about you even when you are

not right there in front of them.

Presented by: Steve Richman, Genworth Financial

CLOSING YOUR MORTGAGE LOANS – YOU BETTER BE CAREFUL WHO YOU USE - SHINNECOCK/NIPMUC

Mike Krone

With CFPB imposing downstream liability on lenders as well as loan officers, you now need to be sure to

select attorneys and settlement companies that meet the minimum standards imposed by the ALTA and

CFPB. This session will discuss the new standards and how you will know if your settlement agent meets

them. We’ll discuss what to ask your current providers and what to be careful of in selecting closing

attorneys and settlement companies in New England. You will learn how the wrong selection can

adversely affect your closings and you. Remember, their failures and mistakes are now your liability!

Presented by: Mike Krone, Attorney, Kriss Law/Atlantic Closing & Escrow

Sponsored by:

ADDING VALUE TO OUR COMMUNITIES AND REAL ESTATE PARTNERS THROUGH RENOVATION FINANCING – ABENAKI

Eamon McKeon

An in-depth review of FHA 203(k) and Fannie Mae Home Style products.

Presented by: Eamon McKeon, Home Mortgage Consultant, Renovation Specialist,

Wells Fargo Home Mortgage

Sponsored by:

AGENDA

6 | The New England Mortgage Expo

10:30 a.m. – 11:15 a.m

RAISE THE BAR! LEAD AND COACH YOUR TEAM TO NEW HEIGHTS IN 2017 – PEQUOT/PAUGUSSETT

Doug Fleener

In this highly engaging program from customer experience and leadership performance expert Doug

Fleener, sales and operational managers will learn how to drive higher levels of performance in the coming

year. No fluffy theory here, just real world methodology you can apply – and benefit from – immediately.

Come prepared to learn, apply, and create a wildly successful 2017.

During this session, you will learn:

• The key to differentiation in a competitive market.

• The interconnectivity between standards, expectations, accountability, and results.

• The number one reason employees fall short of expectations, and the impact of raising the bar.

• The role leaders have in guiding their staff to higher levels of performance.

• Easy to learn and apply everyday coaching tools to raise your team’s bar and results.

Presented by: Doug Fleener, President & Managing Partner, Sixth Star Consulting

Sponsored by:

DAY 1 CERTAINTY™ – SHINNECOCK/NIPMUC

Sean Habron

Day 1 Certainty™ from Fannie Mae gives lenders freedom from reps and warrants plus greater speed and

simplicity, and enables an improved borrower experience. Fannie Mae delivers Day 1 Certainty with three

exciting new capabilities: the DU validation service, enhanced Property Inspection Waiver (PIW), and rep

and warrant relief on property value.

This session designed for Fannie Mae customer will provide an overview on these Day 1 Certainty

opportunities. The session will focus on details about the DU validation service, with brief descriptions of

the enhanced PIW and how to get property value accepted at submission to receive rep and warrant relief.

Presented by: Sean Habron, Relationship Manager, Fannie Mae

Sponsored by:

CMBA LEGISLATIVE UPDATE–THE CMBA PRESENTS: COPING WITH THE AFTERMATH OF DODD-FRANK WHILE CONTEMPLATING THE “AGE OF TRUMP”–THE MORTGAGE INDUSTRY IN A STATE OF FLUX? – SCHAGHTICOKE

What is in store for the mortgage industry in 2017? How will you need to change the way you do business going forward? Will

the onslaught of post-crash laws, regulations, and heightened enforcement activity finally abate? What should you focus on

at the federal and state level? This session will give you the information you need to know and will cover CT, MA and RI.

AGENDA continued

7 | The New England Mortgage Expo

Presented by: Norman Roos, Robinson & Cole, LLP, Ruth Dillingham, First American Title Insurance Co.,

David Pellegrino, Partridge Snow & Hahn, LLP, James Morin, Norcom Mortgage, Lawrence Garfinkel,

Hunt Leibert & Jacobson, PC

Sponsored by:

11:45 a.m. – 12:30 p.m.

TURN TRASH INTO TREASURE – PRODUCING PROFITS WITH PRIVATE LENDERS – PEQUOT/PAUGUSSETT

Jeffrey Tesch

Stop throwing money in the trash! With private lending, you have profitable solutions for deals that don’t fit

traditional guidelines. Jeffrey Tesch, Managing Director of RCN Capital® and a renowned authority on

private lending, will show you how to make money from your most commonly overlooked leads.

• Learn how private lenders can turn your simple referrals into thousands of extra dollars.

• See real life scenarios of brokers that have transformed commercial loan inquiries into cash with little to

no effort.

You won’t want to miss this breakout session!

Presented by: Jeffrey Tesch, Managing Director of RCN Capital®

Sponsored by:

COMPLIANCE WITH FEDERAL LENDING REGULATIONS AND MASTERING HMDA – SHINNECOCK/NIPMUC

With increased regulatory scrutiny of HMDA data for fair lending purposes

and the potential penalties associated with technical errors, it is crucial that

lenders are ready for the CFPB HMDA regulations. Please join our panel as they

provide a comprehensive review of the impact of Home Mortgage Disclosure

Act (HMDA) and the Consumer Financial Protection Bureau’s Regulation C on

the lending industry. Whether you are new to HMDA or have been reporting for

years, you will receive benefits from this seminar’s practical, “real world” approach to HMDA compliance.

Moderator by: Rich Hogan, Chief Compliance Officer, CATIC

Presented by: Sue Quilty, Vice President Loan Operations, Residential Mortgage Services, Inc. & Seth Bogden,

Vice President of Lending Technology for Specialized Data Systems (SDS)

Co-Sponsored by:

Rich Hogan Sue Quilt Seth Bogden

8 | The New England Mortgage Expo

12:00 p.m. – 1:30 p.m

BUFFET LUNCH IN THE EXHIBIT HALL

1:45 p.m. – 2:30 p.m

US RESIDENTIAL CONSTRUCTION OUTLOOK – PEQUOT/PAUGUSSETT

Bernard Markstein

Dr. Bernard Markstein’s presentation will provide a brief overview of the United States economy and the

housing market. He will address the following questions. How healthy is the U.S. economy? What does

the new administration mean for the economy and housing? What can be expected from Congress? What

is the Federal Reserve likely to do? What is the outlook for funding for infrastructure projects by the

federal government? Where are energy prices headed? What effect do problems abroad have on the U.S.

economy and the outlook?

From there, Dr. Markstein will turn to the outlook for housing and residential construction. He will discuss how

developments in the general economy drive residential construction. What are the factors driving demand for housing?

What forces are affecting the mix between demand for single-family housing and multifamily housing?

Presented by: Dr. Bernard Markstein, President and Chief Economist, Markstein Advisors

THE SECRET SHORTCUT TO DIGITAL TRANSFORMATION – SHINNECOCK/NIPMUC

Join Pavaso’s Nancy Pratt to learn about the most overlooked and unnecessarily feared step in making

the transformation to digital mortgages. You’ll be amazed to see that most in our industry have dragged

their heels on taking this step on the basis of pure misinformation – in spite of the acknowledged benefits!

In taking this proven approach, lenders and service providers alike will NOT experience significant

operational disruption; will NOT shut the door on secondary market investors and, in fact, will be able

to continue on, business as usual, wherever they deem it necessary. Be sure to attend this session for

practical tips on choosing the most flexible platform; a clear roadmap to easy implementation and real-life case studies

of businesses that have already made the change.

Presented by: Nancy Pratt, Vice President of Partner Relations and Government Affairs, Pavaso

Sponsored by:

AGENDA continued

Nancy Pratt

9 | The New England Mortgage Expo

FRAUD AND CONSEQUENCES – LESSONS FROM A MORTGAGE FELON – ABENAKI

Jerome Mayne

Vulnerabilities exist for everyone in today’s business world. While checklists, policies and fraud prevention

technologies are invaluable, they do not account for the human factor. Following policies and procedures,

and completing checklists isn’t enough. Side stepping the instinct to inquire and investigate is a product

of ethical complacency, indecision, and the lack of confidence in making tough choices in difficult

situations. The consequences lead to a lack of trust of an industry, a tarnished reputation of a company,

and the complete psychological collapse and loss of freedom of good people.

Jerome’s intimate story will help you identify your vulnerabilities. You’ll take away all the lessons you need to make the

best decisions in impossible situations and save everything you’ve worked for.

In his presentation you will understand:

CONNECTICUT CHAPTER APPRAISAL INSTITUTE PRESENTS: MEET THE APPRAISERS – SCHAGHTICOKE

A panel of appraisers will be doing Q&A with attendees.

Sponsored by:

• Where your vulnerabilities lie

• How easy it is to join a conspiracy – even if you didn’t intend to

• That real con men are out there and how they will recruit you

• How the phrases, “no harm, no foul” and “it’s not my job” are absolutely ridiculous

• The devastating effects committing fraud has on the

victims, your profession and your family

• How to maintain a relationship with your kids through snail mail and collect phone calls

• Once and for all whether or not there really is, in fact, a big guy named Bubba

10 | The New England Mortgage Expo

FLOORPLAN, EXHIBITORS & RAFFLE PRIZES20 1st Alliance Lending, LLC ����������������������������������������������������������

800 Apex Mortgage Corp �����������������������������������������������������������������

400 Asset Based Lending �����������������������������������������������������������������

560 Avantus �������������������������������������������������������������������������������������

180 Baillie & Hershman P�C���������������������������������������������������������������

90 Bankers Advisory ���������������������������������������������� Kindle E-Reader

600 Birchwood Credit Services, Inc� �������������������������������������������������

220 BSI Financial ������������������������������������������������������������������������������

430 Builder Finance Inc� ����������������������������� Omaha Steaks Gift Card

190 CalyxSoftware ����������������������������������������������������������������������������

780 CATIC ����������������������������������������������������������������������������������������

100 Cherrywood Commercial Lending, LLC �������$100 Visa Gift Card

390 CMA ������������������������������������������������������������������������������������������

890 CMBA ����������������������������������������������������������������������������������������

880 Colony American Finance ����������������������������������������������������������

740 Connecticut Housing Finance Authority �������������������������������������

440 Country Living From Farm Credit East ��������������Romotic Vacuum

210 Credit Plus ���������������������������������������������������������������������������������

280 CT Chapter of the Appraisal Institute������������������������������������������

960 Dalton & Finegold LLP ���������������������������������������������������������������

610 Ditech Home Loans �������������������������������������������������������������������

50 DocMagic, Inc� ��������������������������������������������������������������������������

870 Docu Prep, Inc� ��������������������������������������������������������������������������

150 Embrace Home Loans ���������������������������������������������������������������

650 Emerald Capital �������������������������������������������������������������������������

360 Emigrant Mortgage Company ����������������������������������������������������

670 EMM Wholesale �������������������������������������������������������������������������

530 Equity National Title �������������������������������������������������������������������

460 Equity Prime Mortgage ��� Stress balls, waterbottles, drawstring bags

70 Ernst Information Services ���������������������������������������������������������

320 Factual Data ����������������Bose SoundLink Mini Bluetooth Speaker

410 Fannie Mae ��������������������������������������������������������������������������������

580 First Guaranty Mortgage Corporation �����������������������������������������

620 First National Bank of America ���������������������������������������������������

520 First Rehab Lending ��������������������������������������������� Bottle of Wine

110 Flagstar Bank�����������������������������������������������������������������������������

940 Franklin American Mortgage Company ��������������������������������������

420 Freedom Mortgage ��������������������������������������������������������������������

850 Home Point Financial �����������������������������������������������������������������

340 IDS, Inc� �������������������������������������������������������������������������������������

550 Key Capital Mortgage ����������������������������������������������������������������

710 Kriss Law �����������������������������������������������������������������������������������

60 Land Home Financial Services, Inc���������������������������������������������

490 Law Offices of Sonja B� Selami, P� C� �����������������������������������������

370 LDWholesale���������������������������������������������������������� Apple Watch

130 Lee & Mason Financial Services, Inc ���������������������� Apple Watch

200 LendingQB ��������������������������������������������������������������������������������

640 Liberty Title & Escrow, LLC �����������������������������������������10” Tablet

920 LoanScorecard ��������������������������������������������������������������������������

760 LPC Services �����������������������������������������������������������������������������

270 Mass Mortgage Bankers Association �����������������������������������������

900 Merrimack Mortgage Company, LLC �����������������������������������������

840 Miniter Group �����������������������������������������������������������������������������

540 MortgageFlex Systems ��������������������������������������������������������������

10 National Credit Fixers �����������������������������������������������������������������

970 National Mortgage Insurance �����������������������������������������������������

660 New Penn Financial �������������������������������������������������������������������

720 & 730 Norcom Mortgage ���������������������������������������������������������������������

950 Optimal Blue ������������������������������������������������������������������������������

250 Parkside Lending ��������������������������������������������������������� Gift Card

910 PathSoftware �����������������������������������������������������������������������������

820 & 830 Pavaso ��������������������������������������������������������������������������������������

860 PerfectLO�com ��������������������������������������������������������������������������

300 Planet Home Lending Wholesale �����������������������������������������������

480 Planet Home Lending Correspondent Division ��������������������������

350 Plaza Home Mortgage, Inc���������������������������������������������������������

570 Pro-Mac Appraisals, LLC �����������������������������������������������������������

230 QuestSoft Corporation ���������������������������$100 Amazon Gift Card

770 QuickSilva ����� 4 day, 3 night all expenses paid trip to Hawaii for two

380 R�I� Mortgage Bankers Association ��������������������������������������������

330 Radian Guaranty ������������������������������������������������������������������������

590 RCN Capital �������������������������������������������������������������������������������

450 REMN Wholesale �����������������������������������������������������������������������

160 Res/Title� Inc� �����������������������������������������������������������������������������

170 Residential Home Funding ���������������������������������������������������������

630 Reverse Mortgage Funding, LLC �����������������������������������������������

930 Sabal �����������������������������������������������������������������������������������������

700 Scotsman Guide Media �������������������������������������������������������������

690 Sierra Pacific Mortgage ��� OGIO Endurance Cruz Soft Shell Jacket

790 Silver Hill Funding�����������������������������������������������������������������������

30 SIOR ������������������������������������������������������������������������������������������

260 Southwest Bank ������������������������������������������������������������������������

680 Strategic Information Resources ������������������������������������������������

290 The Warren Group ���������������������������������������������������������������������

500 U�S� Bank Home Mortgage ��������������������������������������������������������

240 United Wholesale Mortgage �������������������������������������������������������

470 Universal Credit Services �����������������������������������������������������������

140 ValueQuest Appraisal �����������������������������������������������������������������

120 Velocity ����������������������������������������������������������������������������� Tablet

310 XINNIX Inc ����������������������������������������������������������� Amazon Echo

11 | The New England Mortgage Expo

FLOORPLAN, EXHIBITORS & RAFFLE PRIZES

ENTRANCE

ENTRANCE

10

National Credit Fixers

201st Alliance

Lending, LLC

30

SIOR

860

PerfectLO

870

Docu Prep, Inc.

880Colony

American

Finance

890

CMBA

900M

errimack

Mortgage

Company

910

Path Softw

are

920

Loan Scorecard

930

Sabal

940Franklin

American

Mortgage Co.

950

Optimal

Blue

960

Dalton & Finegold LLP

970National

Mortgage

Insurance

5090

Bankers Advisory

DocMagic, Inc.

60100

Cherrywood Commercial Lending, LLC

Land Home Financial

Services, Inc

70110

Flagstar Bank

Ernst Information

Services

Virtual Golf

130

Lee & Mason Financial

Services, Inc

170Residential

Home Funding

140

ValueQuest Appraisal

180Baillie &

Hershman P.C.

150

Embrace Home Loans

190

Calyx Software

120160

Velocity

Res/Title. Inc.

250

Parkside Lending

260

Southwest Bank

270MA Mortgage

Bankers Association

280CT Chapter of the Appraisal

Institute

290

The Warren Group

410

Fannie Mae

420

Freedom Mortgage

430

Builder Finance Inc.

440Country Living

From Farm Credit East

450

REMN Wholesale

200

LendingQB

210

Credit Plus

220

BSI Financial

230

QuestSoft Corporation

240

United Wholesale Mortgage

360

Emigrant Mortgage Company

370

LDWholesale

380

R.I. Mortgage Bankers

Association

390

CMA

400

Asset Based Lending

FLOOR PLAN 2017PO

DCAS

T

330300

Radian Guaranty

Planet Home Lending

Wholesale

340310

IDS, Inc.

XINNIX Inc.

350320

Plaza Home Mortgage,

Inc.

Factual Data

830820 840 850

470

Universal Credit

Services

510

TBD

480

Planet Home Lending

Correspondent

520

First Rehab Lending

490

Law Offices of Sonja B.

Selami, P. C.

530Equity

National Title

460500

Equity Prime Mortgage

U.S. Bank Home

Mortgage

650

Emerald Capital

690

Sierra Pacific Mortgage

660

New Penn Financial

700

Scotsman Guide Media

670

EMM Wholesale

710

Kriss Law

640680

Liberty Title & Escrow,

LLC

Strategic Information Resources

Pavaso

590

RCN Capital

600Birchwood

Credit Services, Inc.

610

Ditech Home Loans

620First National

Bank of America

630Reverse

Mortgage Funding, LLC

770

QuickSilva

780

CATIC

790

Silver Hill Funding

800Apex

Mortgage Corp

Miniter Group

810

TBD

Home Point Financial

540

Mortgage Flex

Systems

550

Key Capital Mortgage

560

Avantus

570

Pro-Mac Appraisals,

LLC

580

First Guaranty Mortgage

Corporation

720

Norcom Mortgage

730 740

CT Housing Finance Authority

750

TBD

760

LPC Services

TBD

12 | The New England Mortage Expo

PLATINUM SPONSOR PROFILE

Our “whatever it takes” attitude is the foundation of what sets QuickSilva Real Estate Law, Title, and

Closing Services apart. As a national settlement agent, we offer highly competitive pricing, expedient

service, proactive communication, and your own dedicated paralegal team who are available days, night,

and weekends. These benefits, along with our trademark promise “We Close Anywhere at Anytime”

guarantees you and your clients peace of mind from application through closing. www.quicksilvatitle.com

A N A L Y T I C S Visit www.thewarrengroup.com, email [email protected] or call 617.896.5365 today to learn more.

BENEFITS INCLUDE:• Measure loan origination and loan activity against competition and market activity

• Recruit leading originators

• Identify loan originators for potential partnership and business relationships

• Attract new customers and new employees by highlighting your successes

• Find new opportunities for greater market penetration

• Create powerful advertising and promotional collateral

NEW LOAN ORIGINATOR MODULE | Provided By The Warren Group

WHERE DO THE TOP LOAN ORIGINATORS RANK IN YOUR MARKET?

Access the largest and most comprehensive mortgage and property database in New England for loan origination data. With customized interactive access, you can create the reports and analysis you need to build your lending portfolio. You’ll always have a Warren Group expert standing by to help you reach your objectives and uncover vital market intelligence.

VISIT US AT BOOTH #290 FOR A LIVE A DEMO.

GOLD SPONSOR PROFILES

13 | The New England Mortage Expo

In business for more than 50 years, CATIC® is dedicated to providing high-quality professional

services to its policy-issuing attorneys, insured lenders and home-buyers, and other

members of the real estate community. With its corporate headquarters located in Rocky

Hill, Connecticut, CATIC has offices throughout New England and does business through a

network of more than 2,200 agents. Our staff of trained real estate professionals is there to

assist with all aspects of your residential and commercial transactions and to provide you with

the guidance and resources you need to be successful in your business. www.catic.com

Fannie Mae serves the people who house America. We are a leading source of

financing for mortgage lenders, providing access to affordable mortgage financing in all

markets at all times. Our financing makes sustainable homeownership and workforce

rental housing a reality for millions of Americans. We listen to our customers and partners

to understand their needs, putting them at the center of everything we do. We apply our

experience and expertise to deliver innovative, smart solutions to help our customers

succeed. We are committed to making our company better. And we are moving forward

with our partners to build a stronger, safer, more efficient housing finance system –

one that continues to create housing opportunities for homebuyers and renters in all

communities across the nation. www.fanniemae.com

Kriss Law/Atlantic provides professional closing services to the mortgage lending

industry that are efficient, fast, and reasonably priced. Kriss Law specializes in residential

conveyancing in New England. Atlantic Closing & Escrow’s reach is national. Together Kriss

Law/Atlantic represent over 200 local, regional, and national mortgage lenders employing

real estate closing professionals and affiliates throughout the country, closing over $7 billion

in transactions annually. Visit www.krisslawatlantic.com and experience the Kriss Law/

Atlantic difference.

Sonja Selami has over 20 years of combined experience as an attorney both domestically and

abroad, with 10 years practicing in the field of real estate law. She started her own practice

in 2006, and has brought aboard a number of skilled attorneys along the way. Originally from

Albania, Sonja graduated with top honors from the Tirana University School of Law. She later

graduated from the New England School of Law, beginning her focus on matters of real estate.

Sonja began working closely with home buyers, sellers, lenders, and other real estate entities

in a variety of different types of estate transactions. Sonja and her practice were welcomed

by the Massachusetts Bar Association in 2006, and has assisted thousands of clients since.

Sonja continues to lead her team of experienced attorneys in their company offices in Newton,

Wellesley, Lexington, Norwell, and Franklin, Massachusetts. www.selamilaw.com

14 | The New England Mortage Expo

GOLD SPONSOR PROFILES continued

National Credit Fixers offers legal credit repair. We have been repairing credit for almost

20 years. Everything on a credit report must be 100% accurate and 100% verifiable. Our job

is to challenge and investigate items on consumer credit reports with the goal of removing

those negative accounts if they cannot meet the aforementioned standards. In addition

to the removal of negative items, we also help consumers with the establishment of new

positive trade accounts and help them establish positive budgeting and payment habits.

www.nationalcreditfixers.com

Norcom Mortgage is 26-year-old direct lender that offers retail, wholesale, and

correspondent channels. Whether you are currently a lender, broker, or bank, a Norcom

partnership provides you the avenue to differentiate and grow your business. At Norcom

Mortgage, our mission to provide lending solutions that are tailored to meet our clients’

needs through a clear, fair, and best-in-class client experience is made possible through our

core values of service, respect, and communication. www.Norcom-USA.com

Pavaso is a disruptive, next-generation digital ecosystem being used by lenders,

consumers, title companies, real estate agents, and investors today to communicate,

collaborate, and deliver any information, document, or process necessary to the overall

mortgage transaction. Pavaso’s Digital CloseSM application is the most robust eClosing

solution in the industry, and is empowering businesses to digitize the pre-closing process,

whether the closing is paper, hybrid, or fully digital. The result is a superior consumer

experience, a transparent process promoting compliance and consumer satisfaction, and a

competitive advantage for firms seeking to streamline processes, improve the time to fund

and more. www.pavaso.com

RCN Capital is a national, direct, private lender. Established in 2010, we provide short-term

commercial loans ranging from $50k to $2.5M+ for the purchase of non-owner occupied

residential and commercial properties, financing of renovation projects and bridge funding.

We lend to experienced real estate professionals, investors, and contractors throughout the

country. We value referrals; brokers are protected. www.rcncapital.com

GOLD SPONSOR PROFILES

When it comes to home loans we’ve got you covered: from fixed and adjustable loans to first-time home-buyer programs, construction loans, and everything in between. Just tell us what you want to do and we’ll tell you the best way to get there.

We are pleased to be a sponsor of The New England Mortgage Expo.

All loans subject to credit approval. Consult your Webster banker for details. The Webster Symbol and Webster Bank are registered in the U.S. Patent and Trademark Office.

Call 888.4WEBSTER (493.2783). Or visit WebsterBank.com today.

Buy. Build. Refinance. There’s a lot you can do with a Webster home loan.

16 | The New England Mortgage Expo