Karen Deis, the publisher of MortgageCurrentcy.com and President of Foundation Marketing, Inc., specializes in training real estate agents and loan originators on consumer-direct marketing strategies. She owned a real estate company, mortgage company and appraisal firm for 10 years and was a business partner with one of the largest builders in her area.

Tracey Rumsey is a loan officer with SWBC Mortgage in Bountiful, Utah. In the mortgage business since 1997, her knowledge of conventional, FHA, VA and Utah Housing lending is unsurpassed. She is a member of the Utah Mortgage Lenders Association (UMLA) and served as co-chair and chair for the UMLA Education Committee during 2006 and 2007. She is also a licensed real estate and mortgage continuing education instructor. Her first book, "Saving the Deal - How to Avoid Financing Fiascoes and Other Real Estate Dealers", AMACOM, New York, was released January 2008.

Kim Payne has a 30 year background in all aspects of mortgage banking, from establishing a wholesale lending division for a nationwide Bank to directing retail loan operations for several mortgage banking firms. She established Folsom Mortgage, Inc. 10 years ago. She says, "my niche is knowledge and caring service. I don't try to be all things to all people". She is an active member of American Mensa, past president of the Foothill chapter of Big Brothers/Big Sisters, and a lifetime member of the National Registry of Who's Who as well as a member of the Cambridge Who's Who in Business. She has been recognized as one of "The Top Ten Most Dependable Mortgage Brokers in Northern California" by Goldline Research. She is a regular contributor to her local newspaper, writing numerous articles on the basics of mortgages for consumers, as well as a speaker for MomToMom Productions (a professional roundtable of speakers who regularly address the surrounding communities on topics within their own expertise).

Dr. Gary Lacefield has worked for HUD as the Supervisor of Investigations (Southwest Region) for 8 years before starting his consulting business to assist mortgage companies & real estate agents in complying with Fair Housing, Equal Credit and Kickback issues.

Dr. Lacefield actively trains HUD field investigators and is considered an "expert witness" in lawsuits involving RESPA and fair housing issues.

David Reed has personally closed over 2,000 mortgage loans from California to Florida during his twenty years in the mortgage industry, and oversees each loan that is processed . CD Reed Mortgage Bankers is a dba of Alethes, LLC, one of the largest mortgage lenders in Central Texas and lends both residential as well as commercial money.

Reed walks his talk. He has appeared on CNBC, CNN, 'Fox and Friends', the 'Today' show in New York and is a best-selling real estate author, having written 'Mortgages 101,' 'Who Says You Can't Buy a Home!,' 'Mortgage Confidential,' 'Your Guide to VA Loans,' 'Real Estate Investor's Guide to Financing,' and 'An Insider's Guide to Refinancing Your Mortgage,' all published by Amacom books in New York City. His advice has appeared in the New York Times, Business Week, Kiplinger's, Parade Magazine, Washington Post, and Real Simple, as well as in numerous newspapers and magazines across the country. Reed is past President and Board Member of the Austin Mortgage Bankers Association and is a member of the Texas Mortgage Bankers Association.

Robert Pegg is the founder and publisher of The Niche Report (TheNicheReport.com), a B2B mortgage industry trade magazine with nearly 20,000 subscribers. He worked as an analyst for six years with Fannie Mae eventually ending up in their Mortgage Backed Securities team helping to create the “trading factors” used by Wall Street. After leaving Fannie Mae he originated loans as a wholesale mortgage broker for several years and eventually co-founded TNR in May 2007 to help educate and inform those in the loan originating arena.

Catherine Hall is the author and creator of the 203k in a box system. Ms. Hall has been a practicing FHA 203k Consultant since 1999 and has completed over 500 consultations in addition to having performed over 3000 home inspections. Ms. Hall has certification as a FEMA Disaster Relief Inspector, REAC Contract inspector, PA DEP Lead Risk Assessor, PA DEP Radon Measurement Technician, and PA DEP Licensed Pest Control Operator.

She has owned and operated Value Home Inspections since 1993 and for more than 7 years was the only certified female home inspector in Pennsylvania.

Ms. Hall holds leadership positions in various organizations including Montgomery County Partners for Home Ownership, Willow Grove Leads Group, and the Beacon Cooperative for Homeownership. Ms Hall has a large teaching background which includes courses at Temple University, Philadelphia Community College, Montgomery County Community College and Drexel's University Science Center as well as for thousands of small and large groups of prospective homebuyers in a cooperative venture with non-profit housing counseling agencies and community service organizations throughout the area.

She served as Board Treasurer for the National Association of Home Inspectors, East Penn Chapter and is currently Vice President of the Pennsylvania Home Inspectors Coalition.

Ms. Hall lives by the belief that education and information are the keys to success in all areas of life and she has devoted herself and her company to assisting people from all segments of the population to achieve the dream of safe home ownership.

David Hail entered the mortgage industry in 1981 after graduating from Ball State University with a degree in finance. He possesses a background in not only mortgage lending but real estate and home building, as well having obtained his real estate broker’s license in 1977 and creating a home building operation that built both entry level and luxury custom homes. His experiences give him a unique background and knowledge base that he effectively uses in his mortgage education classes and training materials.

From the very beginning, David primarily focused on government loan products due to the unique benefits they offered homebuyers and the time-tested stability these products provided in an ever-changing mortgage environment.

He is a recognized expert and trainer on both FHA and USDA Rural Housing loan programs and a former FHA Direct Endorsement (DE) and Rural Development underwriter. David has provided mortgage professional development and training classes all over the United States and written numerous books and training guides on these subjects.

Check out David's RD Guaranteed Housing "Comprehensive" Loan Origination Manual!

Brent Green has been in the mortgage industry since 1993. Brent is Vice President and Regional Operations Manager for First Place Bank. Brent oversees all lending, processing, underwriting and closing functions for the South East Michigan Region. He has his Direct Endorsement from HUD and his Certified Mortgage Banker (CMB) designation. Brent also serves on the Board of Governors for the Michigan Mortgage Lenders Association. Brent's experience covers everything from vacant land and new construction financing to investment property, government, & rehabilitation.

As a Marketing Expert, Scott Hudspeth has grown his referral partner database to hundreds of Real Estate Agents along with 100% referral business from his current and past clients. Scott is well respected by agents in his community and is often invited to offer his industry expertise in the local newspapers, radio and television station. Scott has been helping Agents and Loan officers all over the country to grow their business to levels unprecedented in the Mortgage Industry by offering innovative, cutting edge techniques that stay ahead of the pack and establish the industry standards.

Scott graduated from Northwestern Michigan College with his AAS in Aviation Degree, he finished his Flight Instructor License and worked as an instructor before he started his journey in the sales world. Scott has been in the mortgage business for 10 years and has an annual average of $24 Million in production. Scott closes 17-20 loans a month with an average loan size of $105,000, has a very successful Loan Officer coaching group.

David Reinholtz has been involved in the every aspect of the mortgage biz since 1985. He has trained tens of thousands of loan originators thru CloseMore University Seminar Series and LoanOfficerSchool.com, providing both online and live training throughout the United States.

His company is an approved education provider for The Conference of State Bank Supervisors & the National Mortgage Licensing System (NMLS) required pre-licensing (as mandated by the S.A.F.E. Act) and continuing education. He is currently the chairperson of the Education Committee for the California Association of Mortgage Professionals, also serving on their Board of Directors.

Denise Panza is a Senior Loan Consultant/Licensed Loan Originator in CT, NY, NJ, MA, FL & RI. She offers strategic solutions to her clients that encompass mortgages, home equity lines of credit, reverse mortgages and real estate investment.

Denise is considered an FHA expert in her profession and has been originating both residential and commercial loans for a decade and a half.

She has been quoted as the mortgage expert in several newspapers and frequently writes articles for The Hour out of Norwalk, CT. Denise is a graduate of Northeastern University in Boston and holds a teaching degree.

Attorney Wendy Bernard’s experience includes General Counsel, Director of Regulatory Compliance, Vice President of Quality Control, and Post-Funding Operations for Mortgage Banking/Broker institutions since 1993. She is a member of the bars of the states of Connecticut, New Jersey and New York and is also an Adjunct Professor of Business Law. She is also a Captain in the United States Army Reserve Judge Advocate General Corps (JAG).

Cathy McDaniel is the author of “A Road Map To Saving Your Home” which is available at the National Association of REALTORS bookshelf. Being in the real estate and mortgage industry since 1993, she joined American Real Estate University in 2007 as an educator. She has met over 25,000 real estate professionals over the last eighteen months with her signature course "Foreclosure REO Specialist” and is licensed in thirteen states as a continuing education instructor. Cathy serves as the event director for “Real Estate Industry Day” that features government agencies, mortgage and legal, to discuss loss mitigation, short sales, REOs, and foreclosure prevention that attracts over 800 attendees. Cathy believes that everyone in the real estate and mortgage industry today must be the “Trusted Advisor” in the community and she endorses the National Industry Standards for Homeownership Education and Counseling.