Most know Rob from the mortgage commentary he sends out six days a week. But he began his career in mortgage banking - primarily capital markets - 35 years ago in 1985 with First California Mortgage, assisting in Secondary Marketing until 1988, when he joined Tuttle & Co., a leading mortgage pipeline risk management firm. He was an account manager and partner at Tuttle & Co. until 1996, when he moved to Scotland with his family for 9 months.
He returned to the United States in mid-1997 and ran Secondary for Standard Financial, a sub-prime lender in northern California. In late 1997 Rob was hired by CrossLand Mortgage to start, and be the president of, a sub-prime company named OnCall Mortgage (a division of CrossLand). OnCall Mortgage was in existence until Wells Fargo purchased First Security Bank (the owner of CrossLand) at the end of 2000.
Rob then joined CMG Mortgage, a wholesale mortgage bank, as the Director of Secondary Marketing. In early 2003 and re-joined Tuttle Risk Management Services, Inc. TRMS (now Compass) provides mortgage pipeline risk management for mortgage companies and thrifts that seek to originate and sell loans into the secondary mortgage market. In November of 2006 Rob left TRMS to become the Director of Capital Markets for RPM Mortgage, a retail residential lender you all know, leaving there in late 2008 to focus on not only publishing a widely read daily market commentary on current mortgage events but also on his family.
He is on the board of directors of Inheritance Funding Corporation, a financial services company which advances capital to heirs, of Doorway Home Loans, of AXIS Appraisal Management, and of the California MBA. He is also a member of the Secure Settlements Advisory Board, an associate of the STRATMOR Group, and of the Mortgage Bankers Association of the Carolinas and its membership committee. Rob has provided expert witness services for mortgage and real estate-related cases, has lectured to groups around the country.
Senior Vice President, Servicing Controls, Fairway Independent Mortgage Corporation
Angela is a mortgage industry veteran with 30+ years’ experience in Mortgage Servicing. Angela started her career in Investor Accounting and over the years, her experience expanded to encompass Servicing Transfers, Quality Controls/Assurance, Compliance, Controls, Change Management, Training, Communications, Subservicer Oversight, Servicing Product and Investor Integration and more. Angela has held leadership positions at First Horizon Home Loans, MetLife Bank, BOK Financial and currently with Fairway Independent Mortgage Corporation.
Angela is a proud Texan (born and raised) and resides in the DFW area with her family and her rascal of a dog, Berkeley.
VP Business Solutions, CrossCountry Mortgage LLC
Terry is a mortgage banker with over 27 years of industry experience mostly in retail lending, but has also been in wholesale and consumer direct. Chung was previously an SVP at bank owned mortgage banking subsidiaries and IMB’s for over 15 years and is a specialist in eClosing. With her experience in Secondary Marketing, Operations, Business Solutions and several startups over the years, she understands process flow from the ground floor, enterprise technology and requirements to execute.
Senior Partner, Attorney-at-Law, Flowers Davis PLLC
Celia oversees the Oil & Gas, Real Estate and Civil Litigation Sections. Celia is quadruple-Board Certified by the Texas Board of Legal Specialization in the areas of Oil & Gas Law, Residential Real Estate Law, Property Owners Association Law and Civil Trial Law. Board Certification is the highest, most public commitment to excellence in specific areas of the law. As of July 2019, 0.0086% of all active Texas attorneys are certified in four separate areas (nine out of 103,342), making this a most distinguished accomplishment.
Celia’s practice is focused on oil and gas matters, business and commercial litigation and real estate. She prepares title opinions, settles or litigates surface damage disputes, conducts receivership proceedings and pipeline condemnation proceedings, and litigates contracts. In addition to her law practice, Ms. Flowers owns East Texas Title Companies, licensed in eighteen East Texas Counties. Prior to attending law school, Ms. Flowers was a petroleum landman for approximately ten years.
The depth of Ms. Flowers’ expertise in the oil and gas, real estate and title insurance fields, along with her experience as a small business owner makes her uniquely qualified to advocate for her clients, her industries and her community. Her clients appreciate her deep understanding of the intertwining and complex issues that are often present in a single case.
Celia’s industries have honored her many times with board memberships, leadership positions, and invitations to speak out on national or statewide issues before the Consumer Financial Protection Bureau, and Texas Department of Insurance, among others. Since 2011, she has been honored to serve on the Texas Title Examination Standards Board, which formulates, develops, comments on and amends title examination standards for the Real Estate, Probate and Trust Law Section (REPTL) and for the Oil, Gas and Energy Resources Law Section of the State Bar of Texas. In addition, Celia’s clients and peers have ranked her at the highest level of professional excellence (5.0 out of 5.0 in each area of evaluation), earning her an AV Preeminent® rating on martindale.com. Celia is a Fellow in the College of the State Bar of Texas, an honorary society of lawyers who are among the best trained attorneys in Texas, having completed at least double the Continuing Legal Education (CLE) required by the State Bar of Texas.
In the community, Celia regularly teaches Legal and Ethics courses plus develops other MCE courses for East Texas Realtors. She is a frequent speaker to Landmen and Lenders throughout the area, keeping them abreast of legislative, real estate and mineral issues.
Senior Vice President, Default Operations, Fairway Independent Mortgage Corporation
Dewanna is an industry veteran with 20+ years’ experience in Mortgage Servicing. Dewanna started her career in Loss Mitigation and over the years, her experience expanded to encompass Subservicer oversight of Collections, Loss Mitigation, Pre-Foreclosure, Foreclosure, Bankruptcy, Claims and REO. Dewanna has held leadership positions at First Horizon Home Loans, MetLife Bank, Green Tree Servicing, BOK Financial and currently with Fairway Independent Mortgage Corporation.Dewanna is a proud alumni of Louisiana Tech University and the University of Louisiana at Lafayette. Dewanna resides in the DFW area with her two dogs Winston and Bella.
President, Founder, RUTH RUHL, P.C.
Celebrating 21 years, Ruth is the founder and President of RUTH RUHL, P.C., a law firm that specializes in residential real estate legal services for mortgage lenders and mortgage servicing companies. Ruth’s extensive knowledge of the industry comes from a career that began as a mortgage loan officer after graduating from the University of Texas at Austin with a B.B.A. in Finance. She earned a law degree from Oklahoma City University School of Law, graduating magna cum laude.
RUTH RUHL, P.C. is recognized as a nationally and state-wide woman-owned business.
Ruth is also a member of the American Bar Association, State Bar of Texas, College of the State Bar, National Mortgage Bankers Association, Texas Mortgage Bankers Association, Dallas Mortgage Bankers Association, Texas Academy of Mortgage Attorneys and American Mortgage Diversity Council.
Ruth currently serves on the Board of the Texas Mortgage Bankers Association. Past roles include Co-Chair of the 2018 Convention Committee, and Chair of the Servicing Committee and TMBPAC.
Founder, CEO, NotaryCam
After moving from investment banking to commercial real estate to escrow Rick Triola founded Settleware and NotaryCam, the pioneering leader in remote online notarization and mortgage closings, in 2012. In April 2019, NotaryCam executed the first RON eWill with all parties (testator, attorney, witnesses and notary) attending the session Recently, Rick has presented on the topic of RON/ROC at the 2018 Indiana Land Title Association Conference, the 2018 Texas Land Association Conference, the 2018 National Notary Association Conference, the 2019 Great River MBA Conference, the 2019 MBA of Florida's Annual Conference, and the 2019 MERS eMortgage Boot Camp. He has also been recognized as a 2019 HousingWire Tech Trendsetter, a 2018 HousingWire Vanguard and a 2017 MBA Tech All-Star.
Assistant Secretary for Housing and Federal Housing Commissioner, U.S. Department of Housing and Urban Development
Nominated for the role by President Trump and confirmed in July 2020 by the Senate, Mrs. Wade oversees the approximately 2,500 employees in HUD’s Office of Housing and the Federal Housing Administration. Wade previously served as General Deputy Assistant Secretary for the Office of Housing and Acting Federal Housing Commissioner from 2017-2018. Prior to returning to HUD, Wade served in a senior leadership role at the Office of Management and Budget.
Wade has broad knowledge and experience in financial and housing policy issues, having served as the Deputy Staff Director of the Senate Committee on Banking, Housing and Urban Affairs and as Republican Deputy Staff Director of the Senate Committee on Appropriations. With her background, Wade is well positioned to lead the work of HUD’s Office of Housing and the Federal Housing Administration. She has a keen understanding of how banking and housing policy impact the affordability of housing, taxpayer commitments, and by extension neighborhoods and communities.
Prior to her service in the Senate, Wade was the financial markets budget analyst for Rep. Paul Ryan on the House Budget Committee. She was also a policy adviser to Senator John McCain during the 2008 presidential race and has worked for the U.S. Options Clearing Corporation and Accenture. Wade graduated from Georgetown University with a B.A. in economics and earned an MBA from the Wharton School at the University of Pennsylvania.
Author, 'The Unexpected Spy, Former Special Agent, FBI, CIA
From 2000 - 2004, Tracy worked as Staff Operations Officer (SOO) at the Central Intelligence Agency's Counterterrorism Center Weapons of Mass Destruction Group and as a Special Agent for the FBI. During her time at the CIA, Tracy travelled to war zones and many other countries. Tracy received many awards for her service from both the CIA and from foreign intelligence offices, including the counterterrorism medal and multiple exceptional performance awards. After the CIA, Tracy became a Special Agent at the FBI's Los Angeles Field Office specializing in Chinese counterintelligence operations. Following her time at the CIA and FBI, Tracy enrolled in both a master's and a teaching credential program. She taught history and a self-created course on national security and foreign policy for almost fifteen years. Tracy now works as an author and sits on the Board of Directors of Girl Security, a nonpartisan organization increasing the representation of women in national security by building a pipeline for girls and young women through learning, training, and mentoring support. Tracy earned her degree in history from the University of Southern California and her Master's in education from Chapman University and has appeared on Fox and Friends, NPR, Good Morning America, The Glen Beck Shop, the number one podcast “The Juicy Scoop” and “SpyCast”, Good Morning Texas, D Magazine, and other national broadcasts. She has been published in Salon, NY Post, and Huffington Post.
Tracy’s book “The Unexpected Spy: My secret life chasing down some of the world’s most notorious terrorists” was released in February 2020. Additionally, ABC network and studio, in conjunction with Calamity Jane and Timberman/Beverly production companies are creating a TV series based on her book.
Chair, Whalen Global Advisors, LLC
Richard Christopher Whalen is an investment banker and author who lives in New York City. He is Chairman of Whalen Global Advisors LLC and focuses on the banking, mortgage finance and fintech sectors. Christopher is a contributing editor at National Mortgage News. He is a member of FINRA and Senior Advisor at J.V.B. Financial Group in New York.
From 2014 through 2017, Christopher was Senior Managing Director and Head of Research at Kroll Bond Rating Agency, where he was responsible for ratings by the Financial Institutions and Corporate Ratings Groups. He was a principal of Institutional Risk Analytics from 2003 through 2013.
Over the past three decades, Chris worked as an author, financial professional and journalist in Washington, New York and London. He has held positions in the House Republican Conference Committee, the Federal Reserve Bank of New York, Bear, Stearns & Co., Prudential Securities, Tangent Capital, and Carrington Mortgage Holdings.
Christopher holds a B.A. in History from Villanova University. He is the author of three books, including his most recent work “Ford Men: From Inspiration to Enterprise” (2017), a study of Ford Motor Co and the Ford family published by Laissez Faire Books. He is the author of "Inflated: How Money and Debt Built the American Dream" (2010) published by John Wiley & Sons; and co-author of “Financial Stability: Fraud, Confidence & the Wealth of Nations,” also published by John Wiley & Sons.
Christopher has served on the Economic Advisory Committee of FINRA for over a decade. He served as an advisor on Season 5 of the SHOWTIME series “Billions.” Chris is a member of The Lotos Club of New York. He previously served as a fellow at Indiana State University (2008-2014), a member of the Finance Department Advisory Council at Villanova School of Business (2013-2016) and board member of the Global Interdependence Center (2017-2019).
Christopher edits The Institutional Risk Analyst newsletter and contributes to other publications and forums. He has testified before Congress, the Securities and Exchange Commission and Federal Deposit Insurance Corporation. Chris appears regularly in such media outlets as CNBC, Bloomberg, Fox News and Business News Network. Christopher is active in social media under the Twitter handle “rcwhalen”.
|Altisource Solutions, Inc.|
|Black, Mann & Graham, LLP|
|Carrington Mortgage Services|
|Gregg & Valby, LLP|
|Mackie Wolf Zientz and Mann, PC|
|Southwest Funding, LP|
|SWBC Mortgage Corporation|
|Certainty Home Loans|
|Colonial Savings, F.A.|
|Fairway Independent Mortgage Corporation|
|Highlands Residential Mortgage|
|Mutual of Omaha Mortgage|
|Network Funding, LP|
|Republic State Mortgage Company|
|Robertson Anschutz Vetters, LLC|
|RUTH RUHL, P.C.|
|Wells Fargo Funding|
|Sandler Law Group|