Annemaria is President and CEO of The Compliance Group as well as the Founder of the company (2001). Annemaria has an extensive 20-year background in the mortgage lending industry and has worked for several large financial institutions as Compliance Manager and in mortgage banking. She is an ABA Compliance Graduate from the University of Oklahoma, and has received training in MBA, ABA, and FNMA and Freddie Mac requirements. She is a member of the MBA, CMBA and has Chaired the Sub-Compliance Committee of the Mortgage Quality Assurance and Compliance Committee. She is much in demand as a public speaker, is a published author and seminar participant, and has attended both the University of Oklahoma and Palomar College.
Thursday, July 31, 2008
Friday, July 25, 2008
Bruce Norris is joined this week by Executive Vice President for the California Association of Realtors, Joel Singer. Joel will also be a panelist at the I Survived Real Estate 2008 event. Bruce and Joel discuss how financing helped the huge California boom, the psychology of demand, the trade-up market, cheap money, lending standards, the last boom markets, down payments in last cycles, no documentation loans in this cycle, if lenders compensated too far the other way, lending practices today, the ease of borrowing, the long boom and the consumer forgetting about risk, home ownership for those that can afford it, speculation throughout the system, putting blame on certain groups, the current finance market, FHA, Fannie, and Freddie, seller financing in a down market, simple assumptions of the past, the unlikely chance it will come back, the Wellencamp Wars being phased out by the Garn-St Germain Act, the 203k loan program, the Nehemiah Program, why having skin-in-the-game is required by lenders, FHA loan limits and if they will be permanent, inventory levels in California, what makes a balanced market, sales activity up, if declining in inventory is healthy or if it means retail consumers are pulling their homes off the market, what happened to the median price and why it got hit so hard, the risk of people walking away, the different ways of rescuing people and their homes, the unintended consequences of government fixes, the market not being in full recovery mode just yet. Please see isurvived2008.com.C.A.R. Executive Vice President Joel Singer has held the Association’s top staff position since November 1989 after serving as C.A.R.’s chief economist and heading the Association’s public affairs department. Singer was instrumental in developing Real Estate Business Services Inc. (REBS), C.A.R.’s for-profit subsidiary, and serves as its president. He also is president and chief executive officer of RE FormsNet LLC. Singer joined C.A.R. in 1978.
Friday, July 18, 2008
Scott Whaley is President of the Real Wealth Family of Cos., acting Vice President of the National Real Estate Investors Association (National REIA), and the producer of the Real Wealth Mind Revolution program for superior personal performance and achievement.
For over 25 years, Scott Whaley has studied, implemented and coached others on the use of enhanced performance psychology tools. These tools include certifications as a trainer of NLP, Master Hypnotherapist and numerous other change focused systems. He was the first coach hired and helped design and implement the coaching program for the highest paid coach in the world, Anthony Robbins. He was promoted to the position of Master Coach for that organization within one year and is an authority on the Science of Achievement and Peak Performance. Scott has an extensive 14 year background in real estate from land development, owning his own investment and brokerage firm and mortgage loan officer as well as working as an asset manager for the RTC (Resolution Trust Corporation-the cleanup for the failed S&L Bubble).
Friday, July 11, 2008
Philip's commitment to educating homebuyers prompted the “7 Steps Licensing Program,” which allows mortgage brokers nationwide to become licensed in the 7 Steps and in turn help improve their clients' credit scores. He is also developing the 7 Steps Foundation, a charitable foundation that will allocate funds to help low-income and underserved Americans increase their credit scores and buy homes.
Philip has been featured in articles on credit and mortgage trends in the Los Angeles Times, New York Times.com, Wall Street Journal, Newsday, Woman's World Magazine, San Jose Mercury News, Bottom Line Magazine, Bankrate.com, and several others.
Philip created the Complete Financial Navigator™, a tool to analyze his borrowers' needs and financial picture, thereby helping borrowers overcome barriers to achieving their real estate goals. As a frequent guest lecturer at the
Philip was named
Friday, July 4, 2008
Bruce Norris is joined by Vice President of Marketing for RealtyTrac and panelist for I Survived Real Estate 2008, Rick Sharga. Bruce and Rick discuss preventive measures currently in the works to help the current real estate downturn, how these solutions are structured, market psychology, lenders being risk averse, social trends contributing to problems, lenders and the dance with Wall Street, the consumer and lenders as the true speculators, the definition of market value being skewed, RealtyTrac keeping up with the sheer numbers of foreclosures, military foreclosures and issues because of volume and people falling through the crack, fraud in the marketplace, how RealtyTrac counts foreclosures, conversation rate for notices of default, alt-A loans and what’s coming next, equity positions and behavior of different consumers, percentage of consumers buying with the intent to walk away from another home, the unintended consequence of adjusting principle on loans, percentage of US housing units facing foreclosure, REOs dictating prices in a market when they are the majority of listings, looking at the rest of 2008 and 2009, other areas not in the same position as California, other states that are doing well, California adjusting to allow for massive migration, why California could be extremely attractive in the coming years, underestimating the impact real estate had on jobs, auction attendance, the Internet and auctions in the coming years, bid4assets and RealtyTrac, shill bidding and the Internet auctions, realtytrac.com, isurvived2008.com
Rick joined RealtyTrac in 2004 as the Vice President of Marketing. He is responsible for building and maintaining the RealtyTrac brand, corporate positioning and messaging, public and investor relations, and marketing communications activities. As a spokesman for the company, Rick has been quoted extensively in the press on foreclosure, mortgage and real estate trends, and appeared on NBC Nightly News, CNN, CBS, ABC World News and NPR.
Prior to joining the company, Rick spent more than 20 years developing corporate and product branding strategies for technology start-up companies and international corporations such as DuPont, Fujitsu, Hitachi and Toshiba. Rick created and executed successful sales and marketing programs in B2B, technology, consumer electronics and retail for companies like JD Edwards, Philips, Cox Communications and Honeywell.
Rick began his career with one of the world’s largest ad agencies, Foote, Cone and Belding, and also had successful engagements with Ketchum Communications and McGraw-Hill. He founded his own consulting firm, CJ Patrick Company, in 2002 to help companies develop business and brand strategies that clearly communicate a unique value proposition, create a position of competitive advantage, and leverage the strength of their brands in the marketplace.
A nationally-recognized speaker on Branding, Rick spends his spare time taking Tae Kwon Do classes with his 10-year-old son, and trying to keep up with his increasingly-mobile 4-year-old daughter. He also continues in his lifelong quest to find the perfect wine to compliment his BBQ'd baby back ribs.Play Now