Agenda

Saturday Oct 19 Sunday Oct 20 Monday Oct 21 Tuesday Oct 22

Registration & Information

Grand Ballroom Prefunction, 2nd Floor

Donation Drive for Pine Street Inn

Grand Ballroom Prefunction, 2nd Floor

The State HFA Value Proposition

NCSHB Educational & Development Workshop Session
Republic Ballroom, 2nd Floor
Open to HFA board members and executive directors only; continental breakfast available at 8:30 a.m.

Discuss the evolution of state HFAs, their central role in the housing system, and the key external factors that bear on their success. Board members of any tenure will benefit from understanding better the recent history and the current context that shapes today’s state HFA.

DISCUSSION LEADER
Stockton Williams, Executive Director | National Council of State Housing Agencies

PARTICIPANTS
Kim Herman, Executive Director | Washington State Housing Finance Commission
Ferdinand Perrault, Vice President/Senior Analyst, Housing Finance & State Revolving Fund Team | Moody’s Investors Service

The State HFA Business Model

NCSHB Educational & Development Workshop Session
Republic Ballroom, 2nd Floor
Open to HFA board members and executive directors only

While no two HFAs are exactly alike, they all share a similar model, which balances mission and business objectives. Explore their interplay as it affects both the underlying economics and the strategic choices all agencies must deal with in a highly competitive and rapidly changing environment.

DISCUSSION LEADER
Dean Christon, Executive Director | New Hampshire Housing Finance Authority

PARTICIPANTS
Eugene Slater, Chairman | CSG Advisors Incorporated
James Stretz, Senior Vice President | Stifel

Principles of Governance and Ethics for HFA Board Members

NCSHB Educational & Development Workshop Session
Republic Ballroom, 2nd Floor
Open to HFA board members and executive directors only

State HFA board members have governance responsibilities for organizations of considerable complexity and critical importance to the residents of their states. This session provides grounding in concepts and practices that make any HFA board stronger.

DISCUSSION LEADER
John Wagner, Partner | Kutak Rock LLP

Homeownership Task Force Meeting

Constitution B, 2nd Floor
Open to HFA executive directors and one designated staff member only; lunch available at 11:45 a.m.

NCSHB Educational & Development Workshop: Networking Lunch

Republic Foyer, 2nd Floor
Open to HFA board members and executive directors only

Community Meet-Up: Federal Liaisons

Independence West, 2nd Floor

DISCUSSION LEADERS
Marlena Gibson, Director of Policy and Planning | Delaware State Housing Authority
Francesc Martí, Director of Legislation | California Housing Finance Agency

Community Meet-Up: Special Needs Housing

Fairfax, 3rd Floor

DISCUSSION LEADERS
Michael Hawkins, Managing Director of Community Outreach | Virginia Housing Development Authority
Jennifer Henderson, Director, Planning and Housing Development | North Dakota Housing Finance Agency

Community Meet-Up: Information Technology

Commonwealth, 3rd Floor

DISCUSSION LEADERS
Kelly Becker, Director, Information Technology | Colorado Housing and Finance Authority
Jonathan Terbush, Information Security Officer | Colorado Housing and Finance Authority

Federal Policy Update

NCSHB Educational & Development Workshop Session
Republic Ballroom, 2nd Floor
Open to HFA board members and executive directors only

NCSHA’s policy and government affairs staff provides a comprehensive update on the wide array of federal regulatory and legislative issues in play that impact state HFAs and how NCSHA is responding to advance HFA interests. This session also highlights the key roles of HFA board members in advocacy on behalf of their HFAs.

DISCUSSION LEADER
Garth Rieman, Director of Housing Advocacy and Strategic Initiatives | National Council of State Housing Agencies

Opportunity Zones Focus Group Meeting

Constitution B, 2nd Floor
Open to HFA executive directors and one designated staff member only

Community Meet-Up: Multifamily Development

Back Bay A/B, 2nd Floor

DISCUSSION LEADERS
Darrell Beavers, Housing Development Director | Oklahoma Housing Finance Agency
Claudia O’Grady, Vice President, Multifamily Finance | Utah Housing Corporation

Community Meet-Up: Section 8 Contract Administrators

Back Bay D, 2nd Floor

DISCUSSION LEADERS
Isidoro Hernandez, Deputy Director of Programs | New Mexico Mortgage Finance Authority
Wendy Smith, Deputy Executive Director, Housing Production and Programs | Kentucky Housing Corporation

Community Meet-Up: Single-Family Servicing

Back Bay C, 2nd Floor

DISCUSSION LEADER
Pamela Holmes, Director of Single-Family Servicing | Virginia Housing Development Authority

The State HFA Toolbox: Key Federal Programs

NCSHB Educational & Development Workshop Session
Republic Ballroom, 2nd Floor
Open to HFA board members and executive directors only

Two of the programmatic pillars for state HFAs are Housing Credits and Housing Bonds. Program experts provide a high-level “101” (or refresher, for those familiar with the programs) on how these tools work and discuss current policy and operational issues.

DISCUSSION LEADER
Richard Godfrey, Principal Consultant | cfX Incorporated

PARTICIPANTS
Ansel Caine, Vice President | Caine Mitter & Associates Incorporated
James Tassos, Deputy Director of Tax Policy and Strategic Initiatives | National Council of State Housing Agencies

Disaster Planning and Response Focus Group Meeting

Gardner, 3rd Floor
Open to HFA executive directors and their designated staff members only

Community Meet-Up: Communications

Constitution A, 2nd Floor

DISCUSSION LEADERS
Jeremy Heidt, Director, Industry and Governmental Affairs | Tennessee Housing Development Agency
Denise Lord, Senior Director, Communications and Planning | MaineHousing

Community Meet-Up: Human Resources

Commonwealth, 3rd Floor
The first half of this Meet-Up will be dedicated to HR/IT crossover topics.

DISCUSSION LEADER
Patricia Donahue, Managing Director, Administration & Human Resources | New Hampshire Housing Finance Authority

Rural Housing Focus Group Meeting

Gardner, 3rd Floor
Open to HFA executive directors and their designated staff members only

SPECIAL GUEST SPEAKERS
Nancie-Ann Bodell, Assistant Deputy Administrator, Multifamily Housing Programs, Rural Development | U.S. Department of Agriculture
Michelle C. Corridon, Deputy Director, Single Family Housing Guaranteed Loan Division, Rural Development | U.S. Department of Agriculture

HFA Board Member Forum

NCSHB Educational & Development Workshop Session
Republic Ballroom, 2nd Floor
Open to HFA board members and executive directors only

The workshop concludes with an open discussion of business, programmatic, and policy issues on the minds of HFA Board members.

DISCUSSION LEADER
Stockton Williams, Executive Director | National Council of State Housing Agencies

Community Meet-Up: Internal Auditors

Fairfax, 3rd Floor

DISCUSSION LEADER
Ross Strodel, Internal Audit Director | Virginia Housing Development Authority

Community Meet-Up: Multifamily Asset Management and Compliance

Back Bay C, 2nd Floor

DISCUSSION LEADERS
Ashley Oliver, Multifamily Manager for Asset Management | Minnesota Housing
Neal Rogers, Director of Compliance and Asset Management | Virginia Housing Development Authority

Community Meet-Up: Single-Family Program

Back Bay A/B, 2nd Floor

DISCUSSION LEADERS
Vicki Bauer, Homeownership Program Manager | Montana Housing
Stephen Payson, Director of Homeownership Lending Operations | MassHousing

Registration & Information

Grand Ballroom Prefunction, 2nd Floor

Donation Drive for Pine Street Inn

Grand Ballroom Prefunction, 2nd Floor

NCSHA General Membership and Board of Directors Meeting

Republic B, 2nd Floor
Open to HFA executive directors only; breakfast available at 8:30 a.m.

Community Meet-Up: HOME and Housing Trust Fund

Back Bay A/B, 2nd Floor

DISCUSSION LEADERS
Jack Hawkins, HOME Programs Manager | Idaho Housing and Finance Association
Gloria Paradise, Director, Federal Grant Programs | New Hampshire Housing Finance Authority

Community Meet-Up: Legal

Commonwealth, 3rd Floor

DISCUSSION LEADER
Benjamin Frost, Director, Legal and Public Affairs | New Hampshire Housing Finance Authority

Community Meet-Up: Human Resources Continued

Fairfax, 3rd Floor

DISCUSSION LEADER
Clare Long, Director of Human Resources | Ohio Housing Finance Agency

Community Meet-Up: Information Technology Continued

Back Bay D, 2nd Floor

DISCUSSION LEADER
Nicole Lucas, Director of Information Technology | Tennessee Housing Development Agency

PARTICIPANTS
Christopher Henderson, Information Technology Director | Indiana Housing and Community Development Authority
Carl Rotella, Director of Information Technology | Rhode Island Housing
James Vivio, Senior Business System Analyst | Kentucky Housing Corporation

Community Meet-Up: Data and Analytics

Commonwealth, 3rd Floor

DISCUSSION LEADER
Jonathan Cabral, Interim Director of Planning, Research, and Evaluation | Connecticut Housing Finance Authority

Community Meet-Up: Finance

Back Bay A/B, 2nd Floor

DISCUSSION LEADERS
Blair Bingham, Finance Administrator  | Alabama Housing Finance Authority
Charles Karimbakas, Chief Financial Officer | MassHousing

Executive Directors Forum

Republic B, 2nd Floor
Open to HFA executive directors only; lunch available at 11:30 a.m.

Affordable Housing Tours

Hosted by:

MassHousing invites you to join their staff to tour of one of three unique communities in and around Boston: Whittier Street, Jackson Square, and Brockton. Each tour will visit exemplary housing developments that have contributed to community revitalization through public-private partnerships, visioning, and planning.

NCSHB Annual Business Meeting

Commonwealth, 3rd Floor
Open to HFA board members and executive directors only

Showplace Grand Opening

Constitution Ballroom & Foyer, 2nd Floor
Open to all registered attendees

The Showplace Scavenger Hunt is underway! The winner will be declared on Monday at 6:45 p.m. during the Showplace Happy Hour.

Sundaes in the Showplace

Constitution Ballroom & Foyer, 2nd Floor
Open to all registered attendees

Sponsored by CoreLogic

Leadership Circle Reception

Skywalk, 50th Floor, Prudential Tower, 800 Boylston Street
Open by invitation only to HFA executive directors and board members, top affiliate supporters, and top-tier conference sponsors.

To become a Leadership Circle member, contact membership@ncsha.org.

NCSHA is proud to recognize the Leadership Circle members for their generous support of the organization and this conference.

Cocktail or business casual attire appropriate.

The Board Chair’s Reception

Skywalk, 50th Floor, Prudential Tower, 800 Boylston Street
Open to all registered attendees

Enjoy the bird’s-eye view of Boston’s most famous landmarks — including Hancock Tower, Fenway Park, the Boston Common and Public Garden, the Charles River, MIT, and Harvard University — as you relax with old and new friends in the Skywalk Observatory at Prudential Tower.

Cocktail or business casual attire appropriate.

Registration & Information

Grand Ballroom Prefunction, 2nd Floor

Donation Drive for Pine Street Inn

Grand Ballroom Prefunction, 2nd Floor

Showplace Open

Constitution Ballroom & Foyer, 2nd Floor
Coffee available 7:30 a.m. – 8:15 a.m.

Celebratory Opening Plenary Featuring Presentation of the 2019 Awards for Program Excellence

Grand & Independence Ballrooms, 2nd Floor
Seated breakfast served 8:00 a.m. – 9:00 a.m.

Keynote Panel: Housing Solutions for Disaster Preparedness and Recovery

DISCUSSION LEADER
Tia Boatman Patterson, Executive Director | California Housing Finance Agency and Chair | NCSHA Board of Directors

PANELISTS
Thomas P. Bossert, Chief Strategy Officer | Trinity Cyber
G. Christopher Nunn, Commissioner | Georgia Department of Community Affairs/Georgia Housing and Finance Authority
Pamela Patenaude, Senior Advisor | IEM

Keynote Address: Federal Housing Finance Reform

Mark Calabria, Director | Federal Housing Finance Agency

Presentation of the 2019 Awards for Program Excellence

Maura Collins, Executive Director | Vermont Housing Finance Agency
Timothy Kenny, Executive Director | Nebraska Investment Finance Authority

These prestigious awards recognize state HFAs for innovative programs, projects, and practices in support of affordable housing. During this special ceremony, we celebrate the 2019 award winners and the outstanding work of all HFAs. Many of the entries are featured in sessions throughout the conference.

Networking Break in the Showplace

Constitution Ballroom & Foyer, 2nd Floor

CONCURRENT SESSIONS

Best of HFAs: Communications (CO, GO, MI)

Commonwealth, 3rd Floor

Discover how HFAs use the visual and digital arts to connect their audiences to real people who have benefitted from and are living successfully in affordable housing ― and in the process earn support for their programs. These entries from the 2019 Awards for Program Excellence are featured:

• Illinois: Entering the Frontier of Brand Storytelling
• Kentucky: Simply Home — Affordable Housing Creates Good Neighbors
• Minnesota: Visual Storytelling
• Wyoming: Real People, Real Stories Campaign

DISCUSSION LEADER
Josh Nguyen, Communications Specialist | Minnesota Housing

PARTICIPANTS
Jonathan Davidson, Managing Director, Corporate Planning and Accountability | Kentucky Housing Corporation
Kassidy Moore, Business Development and Marketing Services Manager | Wyoming Community Development Authority

Best of HFAs: Homeownership (GO, HO)

Republic Ballroom, 2nd Floor

Explore how HFAs are advancing creative new strategies for financing critical home repairs for seniors, reaching minority borrowers, and restoring troubled neighborhoods. These entries in the 2019 Awards for Program Excellence are featured in this session:

• Michigan: MSHDA’s Neighborhood Enhancement Program
• Minnesota: Reaching Households of Color or Hispanic Ethnicity
• North Carolina: Urgent Repair Program

DISCUSSION LEADER
Kim Freeman, Section Manager, Single Family/Weatherization | Oregon Housing and Community Services

PARTICIPANTS
Sonia Joyner, Director of Home Ownership Programs | North Carolina Housing Finance Agency
Kasey Kier, Assistant Commissioner, Single Family | Minnesota Housing
Tonya Young, Neighborhood Enhancement Team Manager | Michigan State Housing Development Authority

Blockchain and Other Emerging Financial Technologies (IT, MI)

Gardner, 3rd Floor

Blockchain, cryptocurrency, and related technologies are disrupting long-established practices and creating a new financial ecosystem. How will these impact the affordable housing finance system? Discuss emerging trends, issues, and opportunities in the financial technology sector and hear about valuable resources for further learning.

DISCUSSION LEADER
Timothy Kenny, Executive Director | Nebraska Investment Finance Authority

PARTICIPANTS
Arjun Mendhi, Chief Executive Officer | MTonomy
Wes Miller, Project Manager, NIFA Distributed Ledger Team | Nebraska Investment Finance Authority

Bond and Securities Market Update (FI, GO, LE)

Back Bay A/B, 2nd Floor

Industry experts describe the state of the current financial markets and discuss potential future developments with interest rates, regulatory changes, and economic growth and the impact they could have on affordable housing lending. Hear about a new report on the financial health of the HFA sector.

DISCUSSION LEADER
Michael Holliday, Chief Financial Officer | Nevada Housing Division

PARTICIPANTS
Mikiyon Alexander, Director, U.S. Public Finance | Fitch Ratings
Mike Awadis, Managing Director | Hilltop Securities Inc.
Mike Koessel, Director, Public Finance Department | Citi – Head of Housing Group

Capitalizing on Preservation Opportunities (DA, GO, LE, RE, RU, SH)

Back Bay C, 2nd Floor

Discuss preservation strategies for federally assisted rental properties, the Housing Credit portfolio, and naturally occurring affordable housing. Explore recapitalization financing options, best practices in capital needs assessments, factors in preserving at-risk developments, and challenges nonprofits may face in exercising their right of first refusal.

DISCUSSION LEADER
Kelan Craig, Director, Planning, Preservation, and Development | Ohio Housing Finance Agency

PARTICIPANTS
Julie Creamer, Senior Vice President, Acquisitions | Preservation of Affordable Housing, Inc.
David Davenport, Attorney | Winthrop & Weinstine, P.A.
George Maestas, Development Loan Manager | New Mexico Mortgage Finance Authority

The HFA Role in Disaster Response and Recovery (GO, HO, RE, RU, SH, SN)

Back Bay D, 2nd Floor

HFAs are playing a leading role in identifying and responding to the housing needs of their state’s most vulnerable residents after natural disasters. Discuss lessons learned and best practices in emergency response to acute housing loss, as well as more holistic and long-term repair and rehousing efforts.

DISCUSSION LEADER
Mark Lauseng, Executive Director | South Dakota Housing Development Authority

PARTICIPANTS
Paul Kimball, Director of Community Living Initiatives and Rental Assets | North Carolina Housing Finance Agency
Nicole LiBaire, Senior Associate | Technical Assistance Collaborative, Inc.
Marion McFadden, Senior Vice President, Public Policy and Senior Advisor, Resilience | Enterprise Community Partners, Inc.
Laura Shea, Chief of Programs | New Jersey Housing and Mortgage Finance Agency

What’s New from the EEOC? (HR, LE)

Fairfax, 3rd Floor

Get up to date on what’s new from the Equal Employment Opportunity Commission. Hear about developments under the Americans with Disabilities Act, Family and Medical Leave Act, and other employment laws.

TRAINER
Terence McCourt, Shareholder | Greenberg Traurig, LLP

Networking Lunch

Grand & Independence Ballrooms, 2nd Floor

Photo-Op for 2019 Award Recipients

Liberty C, 2nd Floor

Coffee and Dessert in the Showplace

Constitution Ballroom & Foyer, 2nd Floor

Latte Station in the Showplace

Constitution Ballroom & Foyer, 2nd Floor

Sponsored by Fannie Mae

CONCURRENT SESSIONS

Best of HFAs: Human Resources (GO, HR, LE, MI)

Fairfax, 3rd Floor

From creating more inclusive, customer-centric cultures to making more informed management decisions through HR data analysis, this session highlights recent successes of HFAs and their partners in human resources management. Featured in the session are these 2019 Awards for Program Excellence entries:

• Idaho: Human Resources Data Analysis for Management
• Indiana: Customer Service with a Purpose: Building a Customer Centric Culture
• Massachusetts: If You Know Better… You Do Better, MassHousing’s New Approach to Diversity Training

PARTICIPANTS
Lydia Aguirre, Director of Human Resources | Idaho Housing and Finance Association
Myra Carmona, Vice President of Talent and Culture | MassHousing
S. Kyleen Welling, Chief of Staff and Chief Operating Officer | Indiana Housing and Community Development Authority

Housing Credit QAP Innovations (DA, GO, LE, RE, RU, SH, SN)

Back Bay A/B, 2nd Floor

Explore state initiatives to refine Housing Credit qualified allocation plans (QAPs) to achieve various public policy objectives. Learn how income averaging, innovative cost control and construction methods, preservation demands, fair housing considerations, and demographic trends are dramatically altering QAP priorities and program outcomes.

DISCUSSION LEADER
James Tassos, Deputy Director of Tax Policy and Strategic Initiatives | National Council of State Housing Agencies

PARTICIPANTS
JD Bondurant, Director of Low Income Housing Tax Credit Programs | Virginia Housing Development Authority
Jill Cromartie, Division Director, Housing Finance and Development | Georgia Department of Community Affairs/Georgia Housing and Finance Authority
Christine Moran, Managing Director, Multifamily Finance Department | Illinois Housing Development Authority
Catherine Racer, Associate Director | Massachusetts Department of Housing and Community Development

Life After LIBOR (FI, LE)

Back Bay C, 2nd Floor

The London InterBank Offered Rate is set to expire at the end of 2021, impacting HFA financial instruments worth billions of dollars. How can HFAs modify their outstanding debt, loans, swaps, and derivatives to weather the transition smoothly? Learn about the Secured Overnight Financing Rate (SOFR) and other LIBOR replacements.

DISCUSSION LEADER
Gina Hickman, Deputy Director of Finance and Administration | New Mexico Mortgage Finance Authority

PARTICIPANT
Elizabeth Barber, Executive Vice President | Stifel
Nicholas Fluehr, Managing Director | Wells Fargo Securities
Ping Hsieh, Vice President/Senior Credit Officer | Moody’s Investors Service
Jeffrey Previdi, Vice Chair | Governmental Accounting Standards Board

Messaging and the Media, Part 1 (CO, GO)

Commonwealth, 3rd Floor

Public awareness of the affordable housing crisis is growing as the media focuses on the issue and presidential candidates offer their solutions. What are the most compelling affordable housing messages and stories and the best ways to tell them in your community?

TRAINERS
Eloise Harnett, Director | Group Gordon
Jeremy Robinson-Leon, President | Group Gordon

New Approaches to Housing Our Heroes (RE, SN)

Back Bay D, 2nd Floor

Explore how HFAs are engaging in new partnerships to end veteran homelessness. Learn about new initiatives to accelerate the use of project-basing HUD-VASH vouchers and expand HUD-VASH eligibility.

DISCUSSION LEADER
Kate Ferguson, Director of Multifamily Programs | California Housing Finance Agency

PARTICIPANTS
Patrick Sheridan, Executive Vice President, Housing | Volunteers of America
Jesse Vazzano, National Director of HUD-VASH, Homeless Programs Office | Veterans Health Administration
Mark Wiesendanger, Director of Development | MaineHousing
James Yates, Senior Consultant | Technical Assistance Collaborative, Inc.

Single-Family Lender Roundtable (HO, LE)

Republic Ballroom, 2nd Floor

Join a candid discussion with top HFA lender partners on their experiences working with HFA programs. Gain insight into how you can strengthen your lender relationships and address lender pain points to increase your affordable homeownership lending.

DISCUSSION LEADER
Lee Ann Smith, Director, Single-Family Homeownership | Oklahoma Housing Finance Agency

PARTICIPANTS
Rosella Campion, Branch Manager, loanDepot
Stephen O’Connor, Senior Vice President for Affordable Housing Initiatives | Mortgage Bankers Association
Phil Tocci, Regional Sales Leader | Academy Mortgage Corporation

SOC, ISO, and Related Cloud Compliance and Assurances (DA, IT, LE, MI)

Gardner, 3rd Floor

For security-conscious organizations, it is becoming standard practice to pursue certification and to require vendors to be certified in cybersecurity, risk management, and the handling of client data. Get more familiar with the jargon, discuss why certification matters, and benchmark your organization’s policies and practices against those of your peers.

DISCUSSION LEADER
Carl Rotella, Director of Information Technology | Rhode Island Housing

PARTICIPANTS
Ashish Kumar, Chief Information Officer | California Housing Finance Agency
Ryan Rodrigue, Principal | Wolf & Company, P.C.

Networking Break in the Showplace

Constitution Ballroom & Foyer – Showplace; Republic Foyer, 2nd Floor | North Tower Elevator Foyer, 3rd Floor

CONCURRENT SESSIONS

Balancing Cost and Durability in Affordable Housing (DA, GO, RE, RU, SH)

Back Bay C, 2nd Floor

What is the impact of higher quality construction materials on durability and operating costs and the life cycle cost of green building and energy-efficiency improvements? Learn how to control costs while ensuring high-quality, long-lasting affordable homes.

DISCUSSION LEADER
Holly Glauser, Director, Development | Pennsylvania Housing Finance Agency

PARTICIPANTS
Beverly Bates, Senior Vice President of Development | The Community Builders, Inc.
John Patterson, Director of Planning, Research, and Evaluation | Minnesota Housing
Mark Shelburne, Senior Manager, Public Policy | Novogradac & Company LLP

Best Practices in Behavioral and On-Site Candidate Interviewing (GO, HR, LE, MI)

Back Bay D, 2nd Floor

Discuss best practices in and critical components of behavioral interviewing, including the dynamics of the on-site interview. Explore processes to engage external candidates.

TRAINER
Tracy McMillan, Managing Principal | HCGA Consulting Partners

Data Visualization: Data-Based Decision-Making and the Power of Beauty (CO, DA, IT)

Gardner, 3rd Floor

Data visualization helps us understand data and draw conclusions quickly. See how HFAs and their partners are using data visualization tools and technologies to analyze large amounts of information and make data-driven decisions.

DISCUSSION LEADER
Patricia Amend, Director of Research, Information, and Marketing Strategies | North Carolina Housing Finance Agency

PARTICIPANTS
Thomas Bryan, Chief Financial Officer | Colorado Housing and Finance Authority
Ryan Kim, Senior Product Marketing Manager | ProLink Solutions, Inc.
Will Parry-Hill, Manager of Government and Industry Relations | North Carolina Housing Finance Agency
Jonathan Sakanai, Senior Business Intelligence Analyst/Project Manager | Colorado Housing and Finance Authority

Messaging and the Media, Part 2 (CO, GO)

Commonwealth, 3rd Floor

What are the most effective ways to drive positive media coverage and to respond to negative attention? Get media relations tips and techniques from top communications pros.

TRAINERS
Eloise Harnett, Director | Group Gordon
Jeremy Robinson-Leon, President | Group Gordon

Successful Reentry Housing Strategies (DA, RE, SN)

Fairfax, 3rd Floor

People with criminal records face significant barriers to housing. Learn more about the cycle of incarceration, homelessness, and recidivism. Discuss strategies and initiatives HFAs and their partners can take to help break the cycle.

DISCUSSION LEADER
Jennifer Ho, Commissioner | Minnesota Housing

PARTICIPANTS
Josh McKinney, Eastern Tennessee Real Estate Industry Advisor | Tennessee Housing Development Agency
Ryan Moser, Vice President, Strategy and Impact | CSH
Elizabeth Smith, Assistant Director, Rental Assistance | Illinois Housing Development Authority

What’s Next for the Housing Finance System? (FI, GO, LE)

Back Bay A/B, 2nd Floor

NCSHA staff addresses the prospects for housing finance reform and how it could impact HFA programs. Additional experts weigh in with their insights.

DISCUSSION LEADER
Monica Galuski, Director of Bond Finance and Chief Investment Officer | Texas Department of Housing and Community Affairs

PARTICIPANTS
Greg Zagorski, Senior Legislative and Policy Associate | National Council of State Housing Agencies
Marian Zucker, Senior Director, Sector Lead, USPF Housing | S&P Global Ratings

Working with FHA, USDA, Fannie Mae, and Freddie Mac (GO, HO, LE)

Republic Ballroom, 2nd Floor

Learn from senior agency officials the latest on FHA’s down payment assistance policy and USDA’s effort to expand lending to working families in rural areas. Hear about Fannie Mae and Freddie Mac’s plans for their HFA Preferred lending products.

DISCUSSION LEADER
Rhonda Kimble, Single-Family Director | Iowa Finance Authority

PARTICIPANTS
Michelle C. Corridon, Deputy Director, Single Family Housing Guaranteed Loan Division, Rural Development | U.S. Department of Agriculture
Jonathan Lawless, Vice President, Product Development and Affordable Housing | Fannie Mae
Erin Quinn, Director, HFA Engagement | Freddie Mac
Kevin Stevens, Director, Home Mortgage Insurance Division | U.S. Department of Housing and Urban Development

Networking Break in the Showplace

Constitution Ballroom & Foyer – Showplace; Republic Foyer, 2nd Floor | North Tower Elevator Foyer, 3rd Floor

CONCURRENT SESSIONS

Attacking the Gaps: Strategies for Financing Affordable Multifamily Housing (FI, RE)

Back Bay A/B, 2nd Floor

The need for affordable rental housing grows, but the resources seem to keep shrinking. Explore how you can better structure your multifamily deals to have the most impact. Gain insight into new funding sources and loan options. Hear about recent bond transactions.

DISCUSSION LEADER
Eric Enderlin, President | New York City Housing Development Corporation

PARTICIPANTS
Samphas Chhea, Senior Vice President | Jefferies LLC
Annie Lee, Vice President | J. P. Morgan
Geoffrey Proulx, Managing Director | Morgan Stanley

Best of HFAs: Operations (GO, HO, HR, MI)

Gardner, 3rd Floor

HFAs and their partners are using data visualization to innovate, measure, and improve internal operational performance. Three HFAs share their journeys in these 2019 Awards for Program Excellence entries:

• Colorado: How We Built Innovation
• Kentucky: Corporate Health Report: New Business Planning Scorecard Format
• Ohio: Visualizing Data for Operational Impact

PARTICIPANTS
Jonathan Davidson, Managing Director, Corporate Planning and Accountability | Kentucky Housing Corporation
Jim Durham, Director of Homeownership | Ohio Housing Finance Agency
Jaime Gomez, Deputy Executive Director and Chief Operating Officer | Colorado Housing and Finance Authority

Ending Homelessness Among Older Adults (RE, SN)

Fairfax, 3rd Floor

Across the country, the homeless population is growing older, and the number of older homeless Americans is on the rise. Discuss research into homelessness among older adults, how their unique needs impact homeless services, and replicable initiatives to house them.

DISCUSSION LEADER
Katie Fallon, Director of Housing Policy | Ohio Housing Finance Agency

PARTICIPANTS
Whitney Airgood-Obrycki, Senior Research Analyst | Harvard Joint Center for Housing Studies
Emily Cooper, Special Advisor on Housing | MassHealth
Anthony Richardson, Executive Vice President for Development | New York City Housing Development Corporation

Harnessing New Homeownership Business Opportunities (HO)

Republic Ballroom, 2nd Floor

Delve into the details of successful HFA initiatives to increase lending industry participation in their programs. Examine the results of a comprehensive survey on loan officers’ needs and preferences. Discuss opportunities for reaching more borrowers through manufactured housing lending.

DISCUSSION LEADER
Brenda Evans, Homeownership Administrator | Louisiana Housing Corporation

PARTICIPANTS
Lindsay Hall, Chief Operating Officer, Single-Family Programs | Tennessee Housing Development Agency
Brenda Hayden, Assistant Director, Homeownership | Rhode Island Housing
Renee Pfender, Vice President, Product Development | Essent Guaranty, Inc.
Doug Ryan, Senior Director of Affordable Homeownership | Prosperity Now

Hot Topics in Housing Credit Compliance (DA, GO, LE, RE, RU)

Back Bay C, 2nd Floor

Understand the new income averaging minimum set-aside election, more stringent IRS requirements for site visits and physical inspections, the impact of recent income limit and utility allowance changes, and new strategies for maintaining compliance in the Housing Credit extended use period. Learn about NCSHA’s efforts to work with IRS to reduce the compliance monitoring burden on state agencies.

DISCUSSION LEADER
Timothy Veenstra, Director, Asset Management | Illinois Housing Development Authority

PARTICIPANTS
Stephanie Naquin, Multifamily Compliance | Novogradac & Company LLP
Jennifer Schwartz, Director of Tax and Housing Advocacy | National Council of State Housing Agencies
Wendy Smith, Deputy Executive Director, Housing Production and Programs | Kentucky Housing Corporation

Maximizing Your ROI as a Conference Host or Exhibitor (CO)

Commonwealth, 3rd Floor

Does your organization host a conference? Exhibit at trade shows? Learn what to do before, during, and after an event to engage your audience; build awareness of your services and products; and earn the biggest return for your investment of marketing dollars.

DISCUSSION LEADER
Ashley Jared-Salow, Communications Director | Iowa Finance Authority

PARTICIPANTS
M. Elena Miranda, Vice President of Business Development | Housing and Development Services, Inc.
Na’Tisha Natt, Public Affairs Director | Louisiana Housing Corporation

Using HFA Research to Drive Program and Policy Development (DA, GO, HO, MI, RE)

Independence West, 2nd Floor

The results of HFA research initiatives can impact agencies’ policies and program development and optimize the allocation of resources. Hear about existing data sets HFAs can tap, new data collection strategies, and effective research methods.

DISCUSSION LEADER
Janel A. Young, Director, Policy and Strategic Initiatives | Louisiana Housing Corporation

PARTICIPANTS
Bryan Grady, Chief Research Officer | South Carolina State Housing Finance and Development Authority
John Patterson, Director of Planning, Research, and Evaluation | Minnesota Housing
Diane Smith, Interim Executive Director | Connecticut Housing Finance Authority

What HFAs and Their Partners Need to Know About Cybersecurity (GO, IT, LE, MI)

Back Bay D, 2nd Floor

Cybersecurity is the responsibility of every employee in an organization. Discover how security breaches happen, what to do when compromises occur, and simple practices to adopt to protect your systems.

DISCUSSION LEADER
Greg Blake, Chief Information Officer and Vice President, Administration | Idaho Housing and Finance Association

PARTICIPANTS
Paul Cackler, Chief Information Officer | New York City Housing Development Corporation
Delbert Collins, Director of Information Technology | South Carolina State Housing Finance and Development Authority
Tony Peleska, Chief Information Officer | Minnesota Housing

Networking Break in the Showplace

Constitution Ballroom & Foyer – Showplace; Republic Foyer, 2nd Floor | North Tower Elevator Foyer, 3rd Floor

CONCURRENT SESSIONS

Challenges and Opportunities in Mortgage Servicing (HO, LE)

Back Bay C, 2nd Floor

Hear from FHA about its newest servicing policies and initiatives. Discuss the latest trends in mortgage servicing and how they could impact your affordable homeownership programs.

DISCUSSION LEADER
Kathryn Newton, Director of Loan Servicing | Pennsylvania Housing Finance Agency

PARTICIPANTS
William Collins, Program Director, NSC – Loss Mitigation and Servicing | U.S. Department of Housing and Urban Development (invited)
Michael Greenbaum, Chief Operating Officer | Safeguard Properties Management, LLC
Dottie Sheppick, Managing Partner | Specialty Mortgage Product Solutions, LLC

Cybersecurity: Your Legal and Fiduciary Responsibilities (GO, IT, LE)

Back Bay D, 2nd Floor

What are your organization’s obligations when it comes to protecting your systems and user data? What regulations impact HFAs? What actions are required when you experience a breach? Examine the non-technical aspects of cybersecurity and how strong partnerships across departments help protect organizations.

DISCUSSION LEADER
Scot Berkey, Chief Information Officer | Illinois Housing Development Authority

PARTICIPANTS
Nick Akerman, Partner | Dorsey & Whitney LLP
Laszlo Gonc, Managing Partner | Next Era Transformation Group
Debbie Olson, Chief of Staff/Assistant Executive Director | Illinois Housing Development Authority

Incentives and Innovations in Housing as Healthcare (MI, RE, SN)

Fairfax, 3rd Floor

This is not just another panel on the connection between health and housing! Hear from housing and healthcare industry partners about incentives to encourage Managed Care Organizations, hospitals, and health systems to partner with housing agencies to secure health services for tenants and program participants.

DISCUSSION LEADER
Julie Cody, Assistant Director, Housing Finance | Oregon Housing and Community Services

PARTICIPANTS
Kevin Martone, Executive Director | Technical Assistance Collaborative, Inc.
Andy McMahon, Vice President, Policy, Health, and Human Services | United Health Care, Center of Health Care Policy and Evaluation
Christi Staples, Director, New England | CSH

Managing Your Organization’s Online Reputation (CO, HR)

Commonwealth, 3rd Floor

In this tight labor market, recruitment and retention can be impacted by your organization’s online reputation. Are you proactively managing your social media presence? Are you monitoring employee reviews of your agency on websites like Glassdoor.com? Hear how HR and Communications departments are teaming up to meet these challenges head-on.

TRAINER
Christina Maryland, Director of Communications | Natick Public Schools and Secretary | Public Relations Society of America Boston

Maximizing Your Single-Family Financing Activity (FI, HO)

Back Bay A/B, 2nd Floor

HFAs and industry experts discuss the latest strategies for financing single-family lending in a challenging market. Explore how HFAs can best balance the use of Mortgage Revenue Bond (MRB) and secondary market executions to most effectively serve homebuyers.

DISCUSSION LEADER
Caleb Yant, Chief Financial Officer | Oregon Housing and Community Services

PARTICIPANTS
Patricia Ho, Vice President | Caine Mitter & Associates Incorporated
Albert Luong, Director | Barclays
Eugene Slater, Chairman | CSG Advisors Incorporated
Hazim Taib, Chief Financial Officer | Connecticut Housing Finance Authority

The Washington Report (GO, HO, LE, RE)

Independence West, 2nd Floor

NCSHA staff and other experienced affordable housing advocates discuss the latest federal legislative and regulatory developments of key interest to HFAs and their partners. This session features up-to-date information on the campaign to enact the Affordable Housing Credit Improvement Act; FY 2020 appropriations; housing finance reform; and mission-sensitive regulations, including potential changes in Community Reinvestment Act rules, IRS compliance monitoring requirements, and HUD rule-making on disparate impact, mixed-status family eligibility for affordable housing, immigrants who may be classified as “public charges,” and down payment assistance.

DISCUSSION LEADER
Garth Rieman, Director of Housing Advocacy and Strategic Initiatives | National Council of State Housing Agencies

PARTICIPANTS
Marion McFadden, Senior Vice President, Public Policy and Senior Advisor, Resilience | Enterprise Community Partners, Inc.
Robert Moss, Principal, National Director of Governmental Affairs | CohnReznick LLP
Jennifer Schwartz, Director of Tax and Housing Advocacy | National Council of State Housing Agencies

Using HFA Resources in Opportunity Zones (DA, GO, HO, LE, RE, RU)

Republic Ballroom, 2nd Floor

Explore the use of HFA financing tools for affordable housing, community revitalization, and economic development in Opportunity Zones. Understand the impact of IRS guidance on the ability to combine Opportunity Zone incentives with Housing Credits, tax-exempt bonds, and other HFA resources. Discuss the impact of new investments on existing community residents.

DISCUSSION LEADER
Gary Heidel, Acting Executive Director | Michigan State Housing Development Authority

PARTICIPANTS
Sarah Brundage, Senior Director, Public Policy | Enterprise Community Partners, Inc.
Frederick Copeman, Senior Vice President, Equity Production | Boston Financial Investment Management
Sergei Kuzmenchuk, Chief Financial Officer | Maryland Department of Housing and Community Development

Showplace Happy Hour

Constitution Ballroom & Foyer, 2nd Floor

Stop by to unwind with your peers and consult with the many business solution providers exhibiting in the Showplace. This is your last chance to complete challenges in our Scavenger Hunt ― the winner will be declared at 6:45 p.m.!

Registration & Information

Grand Ballroom Prefunction, 2nd Floor

Donation Drive for Pine Street Inn

Grand Ballroom Prefunction, 2nd Floor

Tuesday Plenary Breakfast

Grand Ballroom, 2nd Floor
Seated breakfast served 7:45 a.m. – 8:45 a.m.

Keynote Address: The Future of Aging Services

Joseph F. Coughlin, Ph.D., Director, AgeLab | Massachusetts Institute of Technology

Created in 1999, Massachusetts Institute of Technology’s AgeLab invents new ideas and creatively translates technologies into practical solutions that improve people’s health and enable them to “do things” throughout their lifespans. Dr. Coughlin’s AgeLab team believes innovations in how homes are designed, services are delivered, or policies are implemented are of critical importance to our quality of life tomorrow.

Remarks from the Governor of Massachusetts

Charlie Baker, Governor | Commonwealth of Massachusetts

Pine Street Inn: 50 Years of Service in the Community

Lyndia Downie, President & Executive Director | Pine Street Inn

Networking Break

Republic Foyer, 2nd Floor | North Tower Elevator Foyer, 3rd Floor

CONCURRENT SESSIONS

Best of HFAs: Finance (FI, GO, MI)

Back Bay A/B, 2nd Floor

Learn how one HFA teamed up with a local hospital to secure funding for affordable and supportive housing. Hear how another HFA used an innovative financing technique to finance mixed-income development in a tough market. A third HFA describes its successful efforts to repurpose an abandoned warehouse into needed affordable housing. These entries in the 2019 Awards for Program Excellence are featured in this session:

• New Jersey: Hospital Partnership Subsidy Pilot Program
• New York City: Financing Mixed-Income Developments (Forward Securitization and M2 Program)
• Wisconsin: WHEDA Financing of Welford Sanders Historic Lofts

DISCUSSION LEADER
Melanie Weathers, Senior Financial Administrator | Florida Housing Finance Corporation

PARTICIPANTS
Katie Brennan, Chief of Staff | New Jersey Housing and Mortgage Finance Agency
Ellen Duffy, Senior Vice President for Debt Issuance and Finance | New York City Housing Development Corporation
Emily Francis, Commercial Credit Underwriter | Wisconsin Housing and Economic Development Authority

Best of HFAs: Technology (GO, IT, MI)

Gardner, 3rd Floor

This session highlights the innovative work of HFAs optimizing technology to meet business goals. Learn how Maryland created the first Opportunity Zone resource of its kind; Minnesota used a citizen development model to build and enhance a multifamily portal; and Tennessee built an in-house arsenal of customized and interconnected software. Featured 2019 Awards for Program Excellence entries include:

• Maryland: Maryland Opportunity Zone Information Exchange
• Minnesota: Multifamily Business Flow Portal
• Tennessee: Tailor-Made Information Dominance

DISCUSSION LEADER
Kelly Becker, Director, Information Technology | Colorado Housing and Finance Authority

PARTICIPANTS
Frank Dickson, Director, Strategic Business Initiatives | Maryland Department of Housing and Community Development
Christopher Larson, Information Technology Product Manager | Minnesota Housing
Nicole Lucas, Director of Information Technology | Tennessee Housing Development Agency
Tony Peleska, Chief Information Officer | Minnesota Housing

Best Practices in Rural and Native American Housing Development (FI, GO, HO, RE, RU)

Back Bay C, 2nd Floor

Hear about USDA, HFA, and private-sector financing opportunities for rural markets and Native American lands. Discuss the impact of construction labor shortages, area median income trends, and other challenges on development and preservation in these markets.

DISCUSSION LEADER
Lorraine Polak, Director, Rental Housing Development | South Dakota Housing Development Authority

PARTICIPANTS
Nancie-Ann Bodell, Assistant Deputy Administrator, Multifamily Housing Programs, Rural Development | U.S. Department of Agriculture
Julie Cody, Assistant Director, Housing Finance | Oregon Housing and Community Services
Elizabeth Glynn, Chief Executive Officer | Travois, Inc.

Litigation and Regulatory Hot Topics (GO, LE, RE)

Fairfax, 3rd Floor

Explore recent litigation and regulatory changes affecting HFAs, including the disparate impact rule and other Fair Housing issues, as well as HUD’s upcoming PBCA procurement. Gain valuable legal insight into risk management and compliance practices.

PARTICIPANTS
Bonnie Hochman Rothell, Partner and Chair of the Litigation Practice | Morris, Manning & Martin, LLP
C. Kelly Kroll, Of Counsel, Government Contracts | Morris, Manning & Martin, LLP

Measuring Success: A Focus on Supportive Housing (DA, RE, SN)

Back Bay D, 2nd Floor

HFAs have financed thousands of permanent supportive housing units in the United States, but how do we know whether these programs are having the desired outcomes and impacts? Explore how HFAs can create and operate high-quality, effective, and sustainable units. Learn the latest on measuring success, monitoring performance, and addressing concerns including the provision of technical assistance.

DISCUSSION LEADER
Matt Rayburn, Deputy Executive Director and Chief Real Estate Development Officer | Indiana Housing and Community Development Authority

PARTICIPANTS
Vicki Farden, Policy Specialist | Minnesota Housing
Neal Rogers, Director of Compliance and Asset Management | Virginia Housing Development Authority
Jennifer Trepinski, Director of Loan Originations | CSH

Solving the Single-Family Supply Crunch (HO)

Republic Ballroom, 2nd Floor

Discover how HFAs are adopting innovative programs to help combat the shortage of affordable for-sale housing. Explore initiatives that expand partnerships with Habitat for Humanity, construct affordable single-family homes in hot urban housing markets, and develop inventive funding sources for constructing new single-family homes.

DISCUSSION LEADER
Cynthia Peraza, Director of Single-Family Special Programs | Tennessee Housing Development Agency

PARTICIPANTS
Robert Cook, Senior Director, Finance | Washington State Housing Finance Commission
Christopher Miller, Senior Director, Housing Investments | District of Columbia Housing Finance Agency
Jacob Sipe, Executive Director | Indiana Housing and Community Development Authority

What Happens After You Collect the Data? (CO, DA, MI)

Commonwealth, 3rd Floor

Contact management ― who is responsible for keeping stakeholder data up to date? Data mining ― how far is too far? Security ― where do we start?! Analysis and presentation ― who’s our audience and what story are we telling? Effectiveness ― how do we measure it? Explore these and other pressing data questions during a lively discussion.

DISCUSSION LEADER
Lisa Bowman, Director of Marketing and Communications | National Council of State Housing Agencies

PARTICIPANTS
Patricia Amend, Director of Research, Information, and Marketing Strategies | North Carolina Housing Finance Agency
Connie Helmlinger, Manager of Public Relations and Marketing | North Carolina Housing Finance Agency
Mia Watson, Research and Communications Coordinator | Vermont Housing Finance Agency

Networking Break

Republic Foyer, 2nd Floor | North Tower Elevator Foyer, 3rd Floor

CONCURRENT SESSIONS

Best of HFAs: Rental (GO, MI, RE, RU, SN)

Back Bay C, 2nd Floor

Explore HFA programs to encourage production or preservation of affordable rental housing and innovative multifamily asset management or compliance monitoring practices. These entries in the 2019 Awards for Program Excellence are featured in this session:

• Rhode Island: Back to Basics Compliance Monitoring
• Vermont: Incentivizing Supportive Housing for the Homeless
• Virginia: Stretching the 9’s

DISCUSSION LEADER
Tonya Curry, Deputy Commissioner for Housing | Georgia Department of Community Affairs/Georgia Housing and Finance Authority

PARTICIPANTS
JD Bondurant, Director of Low Income Housing Tax Credit Programs | Virginia Housing Development Authority
Maura Collins, Executive Director | Vermont Housing Finance Agency
Michael DiChiaro, Assistant Director of Development, Asset Management, and Compliance | Rhode Island Housing

Best of HFAs: Special Needs Housing (GO, MI, SN)

Back Bay D, 2nd Floor

Explore how HFAs are identifying and responding to the housing needs of the most vulnerable in their states and utilizing partnerships to combat homelessness and house persons with special needs. These entries in the 2019 Awards for Program Excellence are featured in this session:

• Delaware: Empowering Our Partners to Provide Delawareans a Home4Good
• Idaho: This New Development Is a New Solution for Idaho Homelessness
• Kentucky: Riverport Landings Scholar House — From Foster Care to College Degree
• Tennessee: Redefining the Margins

DISCUSSION LEADER
Ben Mokry, Chief Strategy Officer | Mississippi Home Corporation

PARTICIPANTS
Susan Eliason, Director of Housing Development | Delaware State Housing Authority
Brady Ellis, Vice President, Housing Support Programs | Idaho Housing and Finance Association
Tracy Thurston, Managing Director, Multifamily Programs and Asset Management | Kentucky Housing Corporation
Don Watt, Director, Community Programs Division | Tennessee Housing Development Agency

Connecting Clients to Your Programs and Services (CO, HO)

Commonwealth, 3rd Floor

HFAs and their partners share fresh approaches to connecting with clients and introducing products and services. Explore the latest marketing trends and how to adapt them to reach your customers and promote your programs.

DISCUSSION LEADER
Connie Helmlinger, Manager of Public Relations and Marketing | North Carolina Housing Finance Agency

PARTICIPANT
Eric Gedstad, Director of Marketing | MassHousing
Yolanda McCutchen, Director of Public Relations | District of Columbia Housing Finance Agency

HFA Data in Action (DA, GO, MI)

Fairfax, 3rd Floor

Since 1987, NCSHA has collected and published data on HFAs and their programs in its annual State HFA Factbook. Earlier this year, NCSHA took the Factbook online with a new data visualization and reporting platform. Hear how NCSHA and the HFAs put that data to work and learn about other data initiatives on the horizon.

DISCUSSION LEADER
Stockton Williams, Executive Director | National Council of State Housing Agencies

PARTICIPANTS
Bruce Brensdal, Executive Director | Montana Housing
Glenn Gallo, Legislative and Policy Associate | National Council of State Housing Agencies
Jennifer Schwartz, Director of Tax and Housing Advocacy | National Council of State Housing Agencies

Taking It Online: Digital Mortgages, Apps, and Other Innovations (DA, HO, IT, LE, MI)

Republic Ballroom, 2nd Floor

Prospective homebuyers now expect the homebuying process to be completely digital, from hunting for a house, to applying for a mortgage, through closing on the sale. Learn how HFAs are developing consumer-empowering technologies to better serve potential borrowers, building secure and successful loan payment platforms, and leveraging new digital tools and partnerships to help working families stay in their homes.

DISCUSSION LEADER
Greg Blake, Chief Information Officer and Vice President, Administration | Idaho Housing and Finance Association

PARTICIPANTS
Stacy Barnes, Director, Governmental Relations and Public Affairs | Alaska Housing Finance Corporation
Jan Miyagishima, Director, Mortgage Operations | Alaska Housing Finance Corporation
Stephanie Moulton, Associate Professor and Director of Doctoral Studies, John Glenn College of Public Affairs | The Ohio State University
Danielle Samalin, CEO | Framework Homeownership

The Advantages and Disadvantages of Becoming a Direct Seller/Servicer (FI)

Back Bay A/B, 2nd Floor

Discuss the benefits and drawbacks of managing secularization in house or engaging with third parties. Market leaders offer insights on how to determine and implement the optimal securitization approach for your agency.

DISCUSSION LEADER
Debra Stephenson, Senior Controller | Washington State Housing Finance Commission

PARTICIPANTS
Mary Kladde, Senior Vice President, Mortgage Services | MetaSource
Michael Smale, Senior Vice President | Bayview Loan Servicing, LLC