MORTGAGE BANKING LAWYERS

Mitchel H. Kider Managing Partner

kider@thewbkfirm.com

202-557-3511

Mitch Kider is the Chairman and Managing Partner of Weiner Brodsky Kider PC, a national law firm specializing in the representation of financial institutions, residential homebuilders, and real estate settlement service providers. Mitch represents banks, mortgage companies, homebuilders, credit card issuers, and other financial service companies in a broad range of litigation and regulatory and compliance matters. He defends clients in investigations and enforcement actions before the Consumer Financial Protection Bureau, Department of Housing and Urban Development, Department of Justice, Department of Veterans Affairs, Federal Trade Commission, Fannie Mae, Freddie Mac, Ginnie Mae, and various state and local regulatory authorities and Attorneys General offices. In addition, Mitch acts as outside general counsel to smaller companies and special regulatory and litigation counsel to Fortune 500 companies.

Gregory S. Graham

Co-Managing Partner

ggraham@bmandg.com

972-353-4174

Black, Mann & Graham CoManaging Partner Gregory S. Graham has practiced in the areas of real estate, litigation, and bankruptcy law since 1989, and is currently licensed in Texas and admitted to practice before the United States District Courts for the Northern and Eastern Districts of Texas.

Mr. Graham is also currently licensed to practice law in Georgia and has been since 2017. He received his Juris Doctor degree from Southern Methodist University School of Law in 1989 after receiving a Bachelor of Arts cum laude from UT Dallas.

Mr. Graham’s affiliations include the Dallas MBA, where he previously served as a Director & Chairperson of the Legislative Committee; DFW Mortgage Brokers Association, where he previously served as Legal Counsel; MBA; NAMB; Texas AMB prior to its closure; and Texas MBA.

James W. Brody, Esq. Mortgage Banking Practice Group Chair

jbrody@johnstonthomas.com

415-246-3995

James Brody actively manages all the complex mortgage banking litigation, mitigation, and compliance matters for Johnston Thomas. Mr. Brody’s experience centers on those legal issues that arise during loan originations, loan purchase sales, loan securitizations, foreclosures, bankruptcy, and repurchase & indemnification claims. He received his B.A. in International Relations from Drake University and received his J.D., with a certified concentration in Advocacy, from the University of the Pacific, McGeorge School of Law. He was a recipient of the American Jurisprudence BancroftWhitney Award. He is licensed to practice law in California and has been admitted to practice in front of the United States District Courts for the Central, Eastern, Northern, and Southern Districts of California. In addition, Mr. Brody has served as lead litigation counsel for numerous mortgage banking and commercial related disputes venued in both state and federal courts, in a direct capacity or on a pro hac vice basis, in AZ, CA, FL, MD, MI, MN, MO, OR, NJ, NY, PA, TN, and TX.

Attorney marty.green@ mortgagelaw.com 214-691-4488 ext 203

Marty Green leads the Dallas office of Polunsky Beitel Green, one of the country's top residential mortgage law firms. Mr. Green is an accomplished attorney with more than 20 years of experience in the legal, banking and financial services industries. He is the former Executive Vice President and General Counsel for Dallas’ CTX Mortgage Co. and previously worked with the Baker Botts law firm in Dallas as Special Counsel. In his role as leader of the firm’s Dallas office, Mr. Green advises clients on the latest rules and regulations covering residential lending, in addition to building on Polunsky Beitel Green’s long tradition of delivering loan closing documents with speed and accuracy. Mr. Green is admitted to practice before all Texas state and federal district courts in addition to the U.S. Court of Appeals for the Fifth Circuit. An honors graduate of the University of Texas School of Law, he earned his undergraduate degree at Southern Utah University. Texas Monthly has selected him as a Super Lawyer multiple years.

Snapdocs Integrates With Mortgage Cadence LOS To Power Seamless Digital Closings

Snapdocs, the mortgage industry’s digital closing platform, announced the completion of its integration with Mortgage Cadence, an Accenture company. The integration enables lenders nationwide to use Snapdocs within Mortgage Cadence’s loan origination system (LOS) to streamline the closing process, reduce operating costs, and enhance the borrower experience.

“Lenders must do more with less in this tumultuous market, and conducting eClosings at scale offers a clear way to reduce loan costs, save valuable time, and deliver an enhanced borrower experience,” said Todd Maki, vice president of customer success. “Integrations with leading LOS providers like Mortgage Cadence allow lenders to easily consolidate new technologies into their existing stack, enabling a more efficient and successful implementation and ramp.”

With the new integrated solution, lenders can facilitate digital closings powered by Snapdocs and finalize closing documents without leaving the Mortgage Cadence Platform. Lenders can order required closing documents and data with any version of Mortgage Cadence and securely transmit them to Snapdocs to initiate the closing process. The completed documents are then encrypted and returned to the Mortgage Cadence Platform for secure storage. The result is a faster, more transparent, and more efficient experience for all parties involved in the closing.

“Many joint customers have asked for this integration, so we’re incredibly excited to bring a solution to market that saves lenders time and simplifies closings,” said Jim Rosen, executive vice president of services, Mortgage Cadence. “Working with great partners like Snapdocs paves the way for even more lenders to embrace digital mortgage tools and advances the entire industry toward an all- digital future.”

SOCi Enhances Social Compliance For Multi-Location Brands In Regulatory Industries

SOCi Inc., the marketing platform for multilocation brands, has enhanced its best-in-class Social product with additional social compliance solutions, allowing financial institutions to mitigate risks associated with potential social content violations while maintaining brand consistency.

By using SOCi’s social compliance solutions, combined with SOCi Listings and Reviews, corporate marketers and compliance teams can increase local brand visibility, engagements, and customer traffic all while adhering to the regulatory and compliance needs within the industry.

When sharing content to digital marketing channels, it is crucial for marketers in regulatory industries to remain compliant in their messaging to protect their companies from potential risks like steep regulatory fines, suspension, loss of business, or even legal action. SOCi offers the only multi-location marketing platform on the market with one central place to scale compliant, localized marketing across every channel, at every location.

According to a SOCi research report, localized content receives 12 times the engagement rate of more general or non-localized content. This type of content helps to differentiate and highlight local agents and increases online traffic to their pages, not just to corporate pages. Localized content offers a more engaging experience for prospective customers, ultimately driving more revenue and repeat business.

SOCi’s social compliance solutions, coupled with the Social tool, ensure brand and industry regulations are carefully followed, decreasing potential risk with keyword-based policies and allowing corporate and local teams the ability to quickly address post violations in real-time. SOCi’s social compliance solutions save time and eliminate the guesswork for local agents as corporate teams can provide automated content and brand supervision via approved, localized, and on-brand content libraries. Additionally, teams can archive and track all social media activity in one consolidated view.

FinLocker Integrates With Total Expert To Power The Entire Homeownership Journey

FinLocker, a pioneer in digital, consumerpermissioned personal financial fitness tools focused on homeownership, has completed an integration with Total Expert, the CRM and customer engagement platform purpose-built for modern financial institutions, to give mortgage lenders, banks and credit unions, and their loan officers, access to a wealth of data-driven insights throughout the homeownership journey of their customers.

The new integration allows for a seamless transfer of data between the two platforms, providing lenders and loan officers with a comprehensive view of their customers’ progression toward mortgage eligibility and homeownership. Data-driven insights at every stage of the homeownership journey, including credit, assets, and goals, will enable loan officers to identify potential roadblocks and take proactive measures to help their customers achieve mortgage eligibility. Mutual customers of Total Expert and FinLocker can now view additional milestones, achievements, and activities as part of their customer contact record in Total Expert.

”The integration is a game-changer for mortgage lenders, banks, and credit unions looking to expand top-of-the-funnel customer acquisition and deliver intent-level data-driven communications to consumers as they progress through the homeownership process using the FinLocker app,” said Chris Hazen, senior vice president of customer success with FinLocker.

”FinLocker has already increased app engagement using Total Expert’s Journeys. This enhanced partnership is a win-win for all parties involved, as it brings together two industry-leading platforms to provide an unparalleled level of service to the mortgage industry and empower financial institutions to provide an unmatched level of service to their customers.”

”FinLocker provides out-of-the-box marketing to make it simple for Synergy One’s loan officers to enroll more prospective homebuyers into the S1 FinFit app through our instance of Total Expert,” said Steve Majerus, CEO of Synergy One Lending.

”As a result of this integration, we have received a 360-degree view of our customers homebuying journey. The data sharing between FinLocker and Synergy One, facilitated by the integration with Total Expert, enables our loan officers to know when a prospective homebuyer has achieved mortgage eligibility milestones. FinLocker’s use of Total Expert to guide homebuyers through their entire homeownership journey using the S1 FinFit app also saves our loan officers time nurturing customers who are 6-18 months from purchasing a home and focus on closing the loans for those homebuyers who are mortgage ready.”

Newfi Lending Partners With Tavant, Integrates With Touchless Lending Document Analysis

Tavant, a Silicon Valley-based provider of digital lending solutions, and Newfi Lending, a technologyfocused multi-channel mortgage lender, announced the integration of Newfi’s digital mortgage experience with Touchless Lending Document Analysis. This partnership marks Tavant’s official expansion into Non-QM Lending and a significant step in the evolution of Newfi’s business and advancement in the mortgage industry.

Document Analysis is a proprietary product of Tavant’s Touchless Lending automation platform, designed to integrate with existing lender systems seamlessly, including CRMs, Point-of-Sales, LOS, and document management systems. Document Analysis completely transforms document processing by instantly recognizing documents, optimizing document-related workflows, and accurately automating document classification, indexing, splitting, categorization, pairing with borrowers, and data extraction. Leveraging Touchless Documents will provide Newfi with a more streamlined and seamless experience for all involved stakeholders.

Tavant’s partnership with Newfi to integrate Touchless Documents into their digital mortgage experience will feature machine-oriented classification, as well as handle Exception Processing for documents with low confidence rates, allowing for fully end-to-end document processing. Furthermore, documents processed through are sourced from Newfi’s Broker Portal (BLU), which is also integrated with Touchless Lending, specifically the platform’s Origination Experience designed for brokers and TPO partners.

LoanCare Launches LoanCare Analytics

LoanCare, a mortgage subservicer, has launched a proprietary, all-in-one portfolio management solution, LoanCare Analytics. The platform was built to support mortgage servicing rights (MSR) investors with a focus on customer engagement, liquidity, and credit risk.

“Having an all-in-one tool to manage servicing portfolios is more important than ever, as the market continues to move through volatile economic conditions. This is a significant technological advancement for the industry. It offers our clients unprecedented transparency into their loan portfolio and doesn’t require lenders to hire analysts to weed through the information,” said Dave Worrall, president of LoanCare. “Our investment in LoanCare Analytics was rooted in our quest to deliver levels of insight into loan portfolios like never before. Portfolio managers will benefit from real-time analytics when they need to make a quick decision on when they should buy or sell MSRs, without having to mine through millions of data points.”

According to the January 2023 Commentary from the Fannie Mae’s Economic & Strategic Research Group, there has been a recent upward trend in continuing unemployment claims, which despite still being low, historically suggests a broader economic downtown is imminent if there is a meaningful movement off of a cyclical bottom in this measure. LoanCare recognizes this trend and is empowering MSR owners with real-time analytics to make timely, informed decisions and actions as necessary.

LoanCare Analytics accelerates portfolio optimization analysis with extensive views and filtering, enabling MSR owners to connect the dots across their portfolio and take action down to the loan level. No matter the size of the company or level of expertise on the team, LoanCare Analytics can help all take advantage of data analytics to make smarter decisions across the servicing spectrum.

Blue Sage Releases LION Point Of Sale For Mortgage Lenders

Blue Sage Solutions, developers of the mortgage industry’s browser-based, end-to-end lending platform, announced the availability of LION, its point of sale, as a standalone offering for lenders to use with their chosen loan origination system.

A component of the Blue Sage Digital Lending Platform, LION enables banks, lenders and credit unions of all sizes to provide borrowers with a highly engaged, seamless digital experience while accelerating loan production and reducing costs. LION is highly configurable and supports dynamic workflows for purchase, refinances, and home equity transactions and is accessible from any device, anywhere, anytime.

LION not only reflects and reinforces each lender’s brand, but it can also be easily white labeled to support any number of affiliates and joint ventures to expand the lender’s footprint. And for larger institutions that want to control their own destiny, Blue Sage provides options to allow them to be self-sufficient.

With the LION POS, borrowers can shop and compare mortgage rates and associated closing costs, submit a loan application, auto-generate compliant initial disclosures, and interact with the lender or loan officer once the loan is submitted. Lenders can assign unsolicited loan applications submitted through LION to their sales team for follow up based on their own parameters.

The LION POS is bundled with Blue Sage’s Loan Officer Portal, which optimizes the sales process for sales teams and supports other aspects of loan production, including customer relationship management tools, side-by-side product and pricing quotes, and disclosure generation.

NON-QM LENDER RESOURCE GUIDE

Arc Home LLC Mount Laurel, NJ

Multi-channel mortgage leader with exceptional service and comprehensive mortgage solutions. When it comes to choosing your lending partner, there are many things to consider. Our products set the standard in the industry for innovation. Since that innovation is in our DNA, we will always be on the cutting edge of what matters most to you and your borrowers. At Arc Home, our priority is to provide the best customer experience from registration to closing, and we continue to invest in that philosophy every day.

business.archomellc.com

(844) 851-3600 sales@archomeloans.com

LICENSED IN: AL, AK, AZ, AR, CA, CO, CT, DC, DE, FL, GA, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, WY

Carrington Wholesale Dallas, TX

The Carrington Advantage Series is a full suite of Non-QM Loan solutions that “Delivers More” for you and your borrowers. Ideal for borrowers, like the self-employed, that don’t fit Agency or Government Qualified Mortgage standards based on credit quality, property type, documentation type, income documentation, or other borrower situations.

• FICOs 550+

• Primary wage earners FICO

• DTIs up to 50%

• Bank Statements (personal or business) accepted

• We don’t require disputed tradelines to be removed

With the Carrington Investor Advantage (DCR)

• DCR down to .75

• First-time investors are ok

• Only 48 months seasoning for major credit events

• 1x30x12 mortgage history ok

(866) 453-2400 carringtonwholesale.com

LICENSED IN: 47 States (excluding NH, MA & ND.)

Warehouse Lending Resource Guide

FirstFunding, Inc. Dallas, TX

Offers warehouse lines to correspondent lenders, community banks, credit unions, and secondary-market investors.

*Ease of use (Support staff, technology an other tools to support mortgage bankers) FirstFunding’s FlexClose Funding program allows our clients to fund outside the Fed wire restrictions. Same day and afterhours funding. Browser-based proprietary platform, customized reporting tools, and a dedicated customer service team.

Conventional Conforming, Jumbo, FHA, VA, USDA, Non-QM

(214) 8217800 firstfundingusa.com

LICENSED IN: CT, DC, DE, FL, GA, IL, MD, MA, NH, NJ, NY, NC, OH, PA, RI, SC, TN, TX, VA

APPRAISER & AMC RESOURCE GUIDE

Clear Capital Reno, NV

Clear Capital is a national real estate valuation technology company with a simple purpose: build confidence in real estate decisions to strengthen communities and improve lives. Our commitment to excellence is embodied by nearly 800 team members and has remained steadfast since our first order in 2001.

clearcapital.com

LICENSED IN: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, WY

Private Lender Resource Guide

Alpha Tech Lending West Hempstead, NY

DSCR Rental NO DOC Loans alphatechlending.com

Alpha Tech Lending is a trusted direct lender, with over a combined 30 years of experience in the private lending sector. We offer a variety of loan programs for non-owneroccupied residences that are customizable to suit your real estate investment needs. From fix and flips, long term rental, new construction, commercial bridge, and more. We lend to both new and experienced real estate professionals throughout the country. We value long term relationships built on trust. Our brokers are protected.

(888) 276-6565 info@alphatechlending.com

LICENSED IN: CT, DC, DE, FL, GA, IL, MD, MA, NH, NJ, NY, NC, OH, PA, RI, SC, TN, TX, VA

Stratton Equities Pine Brook, NJ

Stratton Equities is the leading Nationwide Direct Hard Money & NON-QM Lender that specializes in fast and flexible lending processes. Our Hard Money and Direct Private Money loan programs support the following investment projects:

• Fix and Flip

• Soft Money Loans

• Cash Out — Refinance

• Fixed Commercial Loans

• Commercial Bridge Loans

• Bridge Loans

• Stated Income/ No-Income Verification Loans

• Rental Loans

• Foreclosure Bailout Loan

• NO-DOC

• Blanket Loans

• Fixed Rental Programs

• Multi-Family Loan strattonequities.com

No Upfront fees! No Junk Fees! No Tax Returns!

(800) 962-6613 info@strattonequities.com

LICENSED IN: All States except for: AK, ND, NV, SD, UT

SPECIAL ADVERTISING SECTION: ORIGINATOR TECH DIRECTORY

COMPANY AREA OF FOCUS WEBSITE

Global DMS Appraisal Management Software globaldms.com

SPECIAL ADVERTISING SECTION: APPRAISER & AMC DIRECTORY

COMPANY AREA OF FOCUS WEBSITE

Clear Capital National real estate valuation technology company clearcapital.com

SPECIAL ADVERTISING SECTION: WAREHOUSE LENDING DIRECTORY

COMPANY AREA OF FOCUS WEBSITE

FirstFunding Inc. Offers warehouse lines to correspondent lenders, community banks, credit unions, and secondary-market investors. firstfundingusa.com

Independent Bank of Texas Mortgage warehouse lines of credit, from $2 million to $150 million, and fund over 200 delegated and non-delegated retail originators. Ifinancial.com nmplink.com/TheInterest nmplink.com/ThePrincipal nmplink.com/GC

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