Karen Deis is President of Foundation Marketing, Inc. which 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. She personally used each and every one of the ideas she talks about in her own businesses and will share both successes and failures when it comes to marketing to consumers.

Kelly McGuinness is President of United Mortgage Finance Group and has been cultivating loan officers since 1984. She is considered one of the mortgage industry experts in helping company owners and managers avoid the hiring mistakes that cost them hundreds of thousands of dollars.

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.

Tracey Rumsey is a loan officer with SWBC Mortgage in Bountiful, Utah. She has over 11 years experience with conventional, FHA, VA and Utah Housing lending. 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.

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.