Order Online:
CD only:	$449.00

Attend and get a full, comprehensive examination of the changes in FHA and TILA!

With so many important changes in FHA and TILA, we knew that one 90 minute conference wouldn’t suffice. So we decided to give each regulation its own in-depth session in order to address all the complex issues and your concerns. All for one low price!

Learn how the new FHA and TILA programs and requirements will affect you, and what steps you need to take to be ready for the changes.

FHA Mortgage Toolkit - Wednesday, October 15, 2008

The FHA is quickly becoming the primary financing tool in many markets. Its market share is growing dramatically and will progressively grow as Fannie Mae and Freddie Mac raise prices and tighten guidelines. It is clear that in the future the Federal Housing Administration (FHA) is going to be playing a prominent role in the residential mortgage market.

You must be up-to date on FHA program requirements to stay competitive in today’s mortgage market. And you must be up to date with the significant changes FHA has made to their products. Join FHA Mortgage Toolkit and find out what these changes mean for your institution and how you should implement them.

• What does the FHA offer lenders?
• FHA has many products available: 30 year fixed rate mortgages, ARMs, rehabilitation loans, FHASecure for refinancing (and refinance for borrowers in trouble), Hope for Homeowners – a new program for borrowers in trouble. Loans for manufactured housing, condominiums, and soon cooperative housing.
• FHA has a loan product for borrowers who have less than 10 percent for down payment that works as efficiently as any conventional product currently available.
• What FHA changes should you know about?
• The required down payment will increase to 3.5 percent on January 1, 2009.
• Mortgage loan limits will change in many markets when the stimulus legislation expires.
• Seller-funded down payment will not be permitted as of October 1, 2008.
• A moratorium on risk-based premiums begins on October 1, 2008.
• Condo program is being overhauled.
• And more!
• And much more!

About Our Expert Speakers:

Brian J. Chappelle is a founding partner of Potomac Partners – a Washington-based consulting firm specializing in mortgage finance industry representation.

Mr. Chappelle has held positions at the Mortgage Bankers Association of America as Senior Staff Vice President, Corporate Relations & Membership and Staff Vice President, Residential Finance/Government Agency Relations department. During his 13-year tenure at MBA, Mr. Chappelle managed the Association’s loan origination and servicing functions; represented MBA in dealing with the appropriate Federal agencies on matters related to FHA, VA, Fannie Mae and Freddie Mac and testified before both Houses of Congress on behalf of the Association.

Prior to joining MBA, Mr. Chappelle was Director of Single Family Development Division for the Federal Housing Administration where he administered FHA’s loan production activities including product development and underwriting requirements and had primary responsibility for the implementation of FHA’s Direct Endorsement and Adjustable Rate Mortgage Programs.

John Anderson is the owner/broker of Twin Oaks Realty, Inc. a family-owned, independent real estate company established in 1961. Mr. Anderson has extensive experience in FHA and VA products. He holds GRI, ABR, CRB, and CRS designations. Mr. Anderson is a member of the Federal Housing Policy Committee for 2008 and has previously served as its Chair and Vice Chair. Mr. Anderson previously chaired the Regulatory Issues Forum. Twin Oaks is a long time member of the National, Minnesota and Minneapolis Area Association of Realtors

New Requirements for Truth in Lending Practices - Thursday, October 23, 2008

TILA is undergoing major changes

What do you need to do to comply with the new requirements?

Recently, there have been dramatic changes to Truth-in Lending (TILA) requirements. On July 14, 2008 the Federal Reserve Board approved significant changes to TILA. Then on July 30, 2008, the President signed the Housing and Economic Recovery At of 2008 (HERA), which also included significant TILA Reforms.

How will the changing TILA requirements impact your institution? Join industry experts for New Requirements for Truth in Lending Practices as they bring you up-to-date on the the new TILA requirements and what you need to do to comply.

Topics of Discussion Include:

TILA 101: A Primer on TILA

• The Federal Reserve Board's expansive amendments to Regulation Z and how these amendments will impact your institution
• The four key provisions for governing higher-priced loans
• Protections for loans secured by a consumer's principal dwelling
• Stricter regulation of the lender's relationship with appraisers
• New timing rules for Good Faith Estimates
• New requirements for servicers
• Additional advertising standards
• New requirements under HERA for TILA disclosures
• And much more!

Who Should Attend:

• Loan Officers
• Compliance Officers
• Legal Counsel
• Everyone involved with ensuring with lending and TILA requirements for your institution

Registration Includes:

• Admittance to the 90-minute call for as many people as you can fit in a room with a speakerphone
• Access to the specially created presentation handouts (made available 48 hours in advance)
• Participation in the 30-minute live Q&A with the speakers following the presentation
• Certificates of attendance for all audio conference attendees

About Our Expert Speakers:

Stephanie Renner is an Associate Attorney in the Lexington office of Stites & Harbison PLLC. She is a member of the Business Litigation Service Group. Ms. Renner’s primary practice is financial institutions litigation, particularly representing residential lenders in a variety of actions. Her experience includes defense of consumer protection actions, investigation of loan fraud schemes and defending against allegations of non-compliance with state and federal mortgage lending laws and regulations.

Jennifer P. Stephens is an Associate Attorney in the Louisville office of Stites & Harbison PLLC. She is a member of the Business Litigation Service Group. Ms. Stephens concentrates on real estate litigation and title insurance defense, and she is a Vice-Chair of the ABA Title Insurance Litigation Committee and an editor for the ABA Real Estate Litigation Committee. Her work involves issues of loan fraud, priority disputes in foreclosure actions, bankruptcy and other aspects of real estate litigation.

Christy A. Ames is currently of Counsel at Stites & Harbison PLLC. Her practice includes general litigation with a focus on residential mortgage litigation. In addition, Ms. Ames advises clients on issues that pertain to mortgage lenders, brokers, and other financial institutions, including compliance with federal and state laws relating to mortgage lending and brokering, licensing, do-not call issues, disclosures, the Fair Labor Standards Act as it applies to the mortgage banking industry and privacy.

For permission to photocopy or use material electronically from A. S. Pratt publications you can visit the Copyright Clearance Center, Inc. online with your requests.

Or contact:

Copyright Clearance Center, Inc.
222 Rosewood Drive
Danvers, MA 01923
1-800-772-3350 - Phone in your requests
1-978- 646-8600 - Fax in your requests
info@copyright.com – Email your requests