Southern Secondary Market Conference


Jason Baker

Jason, Executive Vice President of Capital Markets at InterLinc Mortgage Services, LLC, has over 16 years of mortgage banking experience. He has both capital markets and servicing experience.  He has an MBA from Thunderbird, The American Graduate School of International Management where he was the student body vice president.

His hobbies include, serving as a scoutmaster, snow skiing, tennis and swimming.  He currently resides in Katy, Texas a suburb of Houston.”

Lee Barden

Vice President of Secondary Marketing at Gateway Mortgage Group LLC, Lee has over 30 years mortgage experience starting as college intern. After graduating worked as a Loan Officer for three years then moved to Secondary his early career was predominately with bank owned mortgage companies.  Since 2004 he has worked for independent mortgage companies.


Chuck BishopChuck Bishop

As the leader of Wells Fargo Funding’s Correspondent Business Opportunities, Solutions and Support team, Chuck Bishop is charged with managing diverse growth segments, channel business development, product and program implementation, sales support, communications, and increasing the production opportunities of correspondent clients.

Mr. Bishop is also responsible for: building and managing the overall business strategy for the correspondent funding channel; leading overall business development tactics, channel communications, sales implementation strategies, sales metrics and training; growing homeownership opportunities for low-to-moderate households, first-time homebuyers and ethnic minorities of all income levels; designing production and implementation tactics for the aggregation of Community Reinvestment Act (CRA)-eligible business in bank markets; and vested in leading multiple Wells Fargo team members in activities aimed at developing ethnically diverse talent for growth opportunities.


Lee CammererLee Cammerer

Lee Cammerer joined the Federal Home Loan Bank of Dallas in 2013 as the Mortgage Partnership Finance Manager. During his 20 years of experience in the mortgage industry, he has spent the majority of his career at US Bank working with the non-agency portfolio products in the Midwest and Southeast. Lee is a graduate of the Lindner College of Business at the University of Cincinnati.


Rob ChrismanRob Chrisman

Rob Chrisman began his career in mortgage banking - primarily capital markets - 30 years ago in 1985 with First California Mortgage, assisting in Secondary Marketing until 1988, when he joined Tuttle & Co., a leading mortgage pipeline risk management firm. He is on the board of directors of Peoples Bank, a mid-sized depository in Kansas, and of IFC, a financial services company which advances capital to heirs, He is also an advisor to the Board for First Mortgage, a member of the Secure Settlements Advisory Board, an associate of the STRATMOR Group, a member of the California Mortgage Bankers Association, and of the Mortgage Bankers Association of the Carolinas and its membership committee, and is on the Mortgage Advisory Board for the California Automobile Association. Rob has provided expert witness services for mortgage and real estate-related cases, has lectured to groups around the country. Rob holds a BS from Cal Poly, San Luis Obispo, and an MBA from UC Berkeley.


Garry CiponeriGarry Cipponeri

Garry Cipponeri is the President and CEO of TradeRoom Capital Partners LLC and TradeRoom Capital, LLC. Prior to founding TradeRoom Capital Partners LLC and TradeRoom Capital, LLC, Garry was the Senior Vice President and Director of the Capital Markets Department for Chase Home Finance, the Mortgage Banking arm of JPMorgan. He joined Chase in August of 2004, but has been in the mortgage business for 39 years, and specifically, Capital Markets and Secondary Marketing functions for 37 years. His responsibilities at Chase Home Finance included all hedging and asset sales, as well as securitization, sales operations, pledging, agency, government and MI relationships & captive MI’s. He also served as Chairman and President of Chase’s three private label security companies as well as running a specialized Asset Sales group. Prior to becoming part of the Chase team, he spent 19 years at CitiMortgage as their Senior Vice President for Secondary Marketing, responsible for hedging all pipeline and warehouse risk, selling all mortgage products and structuring Citi’s private label securities. He also served as President of CitiCorp Mortgage Securities Inc.

Garry is the former Chairman of the National MBA’s Residential Board of Governors (RESBOG); has served two terms as Chairman of the Mortgage Bankers Association’s Capital Markets Committee, and he has served on the MBA’s Board of Directors as well.

Garry graduated with a BS in Finance from Wayne State University.

Stephen B. FlemingStephen B. Fleming

Stephen, Senior Vice President of Phoenix Capital, Inc., leads the strategic client management and industry relations groups. Stephen’s responsibilities span bulk and flow servicing transactions, MSR analytics including best execution engagements, and servicing oversight. Prior to joining Phoenix, Stephen was a Senior Credit Trader at Fannie Mae in Washington DC, working on the both the bulk and flow Pricing Strategy teams. He began his career at JP Morgan Chase as an Assistant Vice President. Stephen is a frequent industry speaker, including various national, regional, and state MBA Conferences


James P. GainesJames P. Gaines, Ph. D

Dr. Jim Gaines is the Chief Economist at the Real Estate Center at Texas A&M University focused on housing and land development issues. He has more than 30 years experience in a broad array of professional real estate activities and has provided consulting services to numerous businesses, institutions, developers, and all levels of government organizations. He served as President of Rice Center, an urban research center affiliated with Rice University and was an associate professor of real estate and finance at the University of South Carolina.

Dr. Gaines earned his B.B.A., M.A. and Ph. D. degrees at the University of Georgia.

Mark Hanson Mark Hanson

Mark Hanson is the senior vice president of Freddie Mac’s Securitization Division. In this role, he oversees Freddie Mac's mortgage securitization efforts, including pass-thru, REMIC and strip issuance. He is also responsible for developing and implementing new mortgage security products and capabilities that meet the needs of institutional investors, broker/dealers, lenders, servicers and third party vendors.

Hanson was previously a vice president for Lazard Asset Management, where he managed mortgage and asset-backed positions for institutional clients. Since 1986, Hanson has held a number of positions, including a vice president of research for Donaldson, Lufkin & Jenrette, director of research for Freddie Mac's Securities Sales & Trading Group, and a security analyst for Metropolitan Life Insurance Company.

Hanson has a B.S. from Allegheny College and an MBA from the University of Rochester.


Brett Hively

Mr. Hively is the Managing Director of Client Development at Deephaven Mortgage. Prior to Deephaven, Brett was a Vice President at Goldman Sachs where he ran lender relationship management for the residential mortgage loan conduit. Prior to that, Brett was a Division Vice President at New Century Mortgage Corporation. He holds a M.A. and B.A. from Marshall University.


Tom Hutchens

Tom Hutchens is senior vice president of Angel Oak Mortgage Solutions, an Atlanta-based wholesale lender currently licensed in more than 20 states. Tom has been in the real estate lending business for nearly 20 years. Previously, Tom was a senior sales executive with Atlanta-based SouthStar Funding where he helped build one of the nation’s largest subprime lenders. In 2014, Tom joined Angel Oak Mortgage Solutions and is responsible for sales and marketing for the company.

Mike KennemerMichael L. Kennemer

Michael L. Kennemer, Chief Financial Officer of MAM, Board Member, manages all financial aspects of MAM with thirty years of experience in mortgage banking. Mr. Kennemer is poised and equipped to successfully handle the cyclical financial industry. At MAM, he is responsible for the secondary marketing, accounting, finance, treasury, human resources, investor and agency relations of the company. Previously, he was the National Sales Manager for the Correspondent Lending Division of National City Mortgage, where he helped grow the correspondent division to a top tier organization. Prior to National City, he was the Chief Financial Officer for Aegis Mortgage where he turned an unprofitable group at Aegis from losing more than $2 million per month in May 1999 to becoming profitable in November 1999. He also successfully ran the acquisition of New America Financial, which involved the purchase of $300 million of servicing and $500 million of residential mortgages loans and was involved in the successful sale of these assets.


Michael J. LimaMichael J. Lima

Michael J. Lima is Guardian Mortgage Company’s Chief Risk Officer responsible for leading Risk Management, Secondary Marketing, and the Servicing Division.  He joined the Company in June 2015 and has over 25 years of mortgage banking and capital markets experience.  Prior to Guardian, Michael was Senior Vice President of Capital Markets with Nationstar Mortgage and held several positions in servicing, risk management, and strategic sales during a seventeen year career with Fannie Mae.

Michael holds a B.B.A. in Finance from San Diego State University and an MBA in Finance and Real Estate from The University of Texas at Arlington.  He is an active member of the Texas Mortgage Bankers Association and has held a Director position since 2008.


F. Allen MaulsbyF. Allen Maulsby, CMB

Allen Maulsby serves as executive vice president and chief operating officer of Fort Worth based Colonial Savings, with responsibility for secondary marketing, underwriting, closing/post closing, imaging and shipping for the company’s retail and credit union mortgage divisions. He is also responsible for Colonial’s mortgage servicing department which manages approximately 155,000 loans for $25 billion. Maulsby joined the company in 1982 as manager in the defaulted loans department and was promoted to increasingly responsible positions until he was appointed to his current role in 2008.

Maulsby is a Certified Mortgage Banker and holds a B.A. degree in Government from the University of Texas at Austin.


Michael McAuleyMichael D. McAuley

Michael D. McAuley is the Managing Director for Garrett, McAuley & Co., a banking and mortgage banking consulting firm that helps lenders increase revenues, control costs and better manage risk. Mike has more than twenty years of commercial banking experience in financing mortgage bankers, homebuilders and related firms, most recently at JP Morgan Chase.

Mike is an acknowledged expert in the field of warehouse lending and mortgage banking and he consults with banks, mortgage bankers, credit unions and regulators. He focuses on assisting mortgage bankers with improving their strategies, finances, secondary marketing and operations.

Mike is a graduate of Georgetown University in Washington, D.C.; a past chairman of the RMA Warehouse Lenders Roundtable; member of the Warehouse Lending Subcommittee at the Texas Mortgage Bankers Association, and a Graduate with Distinction, Willis Bryant Award finalist, and Lecturer at the School of Mortgage Banking.


Brian McKinneyrBrian McKinney

Brian McKinney is the Chief Financial Officer for Benchmark Mortgage. Headquartered in Plano, TX, Benchmark has a nationwide network of retail branches. The company sells loans to FNMA, GNMA, and various other aggregator banks on both a servicing released and retained basis. Prior to joining Benchmark, Brian spent many years at GMAC Mortgage where he held various positions in both the Retail and Consumer Direct channels. Previous experience also included time at CTX Mortgage and MBNA.


Kristin MesserliKristin Messerli

Kristin Messerli is the Founder and Managing Director of Cultural Outreach Solutions, specializing in helping companies in the mortgage industry better reach and serve multicultural and Millennial homebuyers. Her expertise is in multicultural marketing, Millennial homeownership, and compliance with diversity regulations in the Dodd-Frank.

Kristin is a frequent speaker at national conferences in the industry and has written for numerous publications. In addition to her business, she consults with the National Association of Hispanic Real Estate Professionals (NAHREP) Consulting Services, and she is the co-author of the MBA’s Section 342 Compliance Essentials Toolkit.

Kristin started her career in the mortgage industry and later worked as a social worker both locally and abroad, training providers on culturally competent practice. Prior to starting her own business, she consulted with former McKinsey consultants at the Center for the Creation of Economic Wealth to develop international social enterprises.

Kristin is fluent in Spanish and holds her Masters in Public Administration from the University of Oklahoma.


Steve O’ConnorSteve O’Connor

Steve O'Connor is Senior Vice President of Public Policy and Industry Relations at the Mortgage Bankers Association (MBA). He manages MBA's residential policy process for legislative, regulatory, and industry issues. O'Connor directs MBA's regulatory advocacy efforts. He is also responsible for outreach to industry groups, consumer organizations, and other key stakeholders. O'Connor is a regular guest speaker on industry issues.

O’Connor leads MBA’s Consumer Affairs Advisory Council. He also serves on a number of industry boards, including the National Housing Conference, the National Association of Hispanic Real Estate Professionals, HOPE LoanPort, and Freddie Mac’s Affordable Housing Advisory Council.

O'Connor joined MBA in 1996. Previously, he worked in government affairs for the National Association of Realtors and Freddie Mac. He also worked for Skyline Financial Services Corporation. O'Connor holds a Bachelor's degree in political science from Marquette University and a Master's degree in political science from American University.


Gary OrtGary Ort

Gary is currently the President of Mortgage Finance Division for Texas Capital Bank. Gary joined Texas Capital Bank in January 2008 as Executive Vice President, Division Manager for the Mortgage Finance Division. Since that time, he has grown the warehouse lending business to become one of the top 5 warehouse lenders nationally, and has expanded the Mortgage Finance Division to include Correspondent Lending, MSR Lending, and Treasury Services. Gary has broad mortgage banking experience, including senior management positions in mortgage banking production, servicing and operations.  Gary resides in Allen, Texas and enjoys touring the country with his wife on their motorcycles.


Mary PirrelloMary Pirrello

Mary Pirrello is a senior vice president with NexBank.  NexBank, a Dallas based bank primarily serves institutional clients nationwide.  NexBank is an approved Fannie Mae, Freddie Mac, and Ginnie Mae seller-servicer and currently services over $3 billion of loans for others.  Ms. Pirrello is responsible for business development and managing relationships for the bank’s warehouse lending division. 

Mary has been an active board member of the TMBA for many years, serving in many capacities and will be sworn in as the association’s president in May of 2016.  Ms. Pirrello is a Future Leader, having received the James Wooten Scholarship award from TMBA in 2010.  Her involvement in the National MBA includes service on  the MORPAC committee and graduation from the school of mortgage banking, receiving the AMP designation.


Darryl Reeder

Multi Bank Securities, Inc

John A. SayreJohn A. Sayre

John Sayre is a Dallas-based mortgage banker with over 25 years of broad industry experience. That experience includes expertise in secondary marketing, mortgage servicing rights, customer management, and investor relations.

John is Senior Vice President of business development for Interactive Mortgage Advisors “IMA”, a leader in the market for the purchase, sale, and valuation of mortgage servicing rights.  Prior to IMA, John held senior business development roles at Caliber Home Loans and Nationstar Mortgage with a focus on acquiring mortgage servicing rights and subservicing transactions.  John was Vice President of Customer Management for Fannie Mae for 14 years and managed the account teams responsible for all lenders in the western US.  John’s background also includes 8 years in secondary marketing where he was responsible for hedging and trading for Home Savings of America, the largest lender in the country at the time.

He is a graduate of Claremont McKenna College in California with a degree in economics. John enjoys time with his family and has three children.


Renee SchultzRenee Schultz

Renee Schultz is Fannie Mae’s Senior Vice President – Capital Markets, reporting to the Executive Vice President and Head of Single-Family Business.  Ms. Schultz manages Fannie Mae’s Capital Markets Pricing and Sales Desk, the Credit Risk Transfer program, and the Whole Loan Conduit. Her teams are responsible for providing liquidity to lenders and the broader capital markets through establishing and implementing credit pricing terms, executing strategies to transfer credit risk associated with Fannie Mae’s single-family guaranty business, trading mortgage-backed securities (MBS) with capital markets participants, purchasing and subsequently securitizing whole loans, and purchasing pools and whole loans using Early Funding.  Ms. Schultz also oversees Fannie Mae’s MBS policy team, which ensures proper administration of matters related to the strategic and business value of Fannie Mae MBS.  Further, Ms. Schultz leads the Strategic Initiatives team responsible for Capital Markets strategic technology builds. 

Previously, Ms. Schultz was Vice President – Capital Markets Single-Family Products and Business Initiatives, where she was responsible for lender execution services, including MBS sales and trading, whole loan acquisition and conduit activities, and early funding transactions.  During her tenure at Fannie Mae she has also served as Director for the Portfolio Whole Loan and Municipal Asset Desks.  Ms. Schultz joined Fannie Mae in 1998.


Colonel (ret) Mark W. Tillman Colonel (ret) Mark W. Tillman

Chosen as the nation’s 12th Presidential pilot, Colonel (ret) Mark W. Tillman served as pilot and commander of Air Force One from 2001-2009. Col. Tillman was at the controls of Air Force One through numerous national events. Most notably, he protected the President on September 11, 2001 by keeping him out of harms way and connecting the flying oval office to the nation’s first responders.

Another historic event was being the first pilot to fly the Commander-in-Chief into a war zone. The challenge was unprecedented--transport the most targeted man in the world into the heart of terrorism. One mistake would have left the President open to attack and cost the lives of US service members. Col. Tillman personally orchestrated and executed the covert operation with flawless success. His planning, done in complete secrecy, allowed for a complete surprise to the entire world.

Col. Tillman’s distinguished career spans 30 years in the United States Air Force. He was awarded the Distinguished Flying Cross in 2004 and promoted to Brigadier General by the President of the United States—the first military line officer to receive this honor. For political reasons this was not confirmed by the Senate, hence Tillman retired as a Colonel.

A man devoted to serving his country, this captivating storyteller will give you a first-hand account of remarkable moments in history. 


Gary OrtTheodore W. Tozer

Theodore W. Tozer was appointed by President Barack Obama and confirmed by the U.S. Senate to serve as President of Ginnie Mae on February 24, 2010.

With more than 30 years of experience in the mortgage, banking and securities industries, Tozer manages Ginnie Mae’s $1.5 trillion portfolio of mortgage-backed securities (MBS), which has grown by more than a half trillion dollars in less than four years.
A sought after expert in the housing industry, Tozer’s perspectives have been featured in outlets including CNN, The Wall Street Journal, Bloomberg News, Businessweek, Politico and The Hill.

At Ginnie Mae, Tozer has brought renewed focus on protecting the Government Guaranty and to running the nation’s only existing common securitization platform.

Prior to Ginnie Mae, Tozer served as Senior Vice President of Capital Markets at the National City Mortgage Company (NCM). During his tenure at NCM, the company was consistently profitable with growth in annual loan sales from $1 billion in 1989 to $106 billion in 2003.
Over his career, Tozer has served as a charter member of the National Lender Advisory Boards of both Fannie Mae and Freddie Mac, chairman of the Capital Markets Committee of the Mortgage Bankers Association of America (MBA) and as a member of the Board of Governors of the MBA.

Tozer received his Bachelor of Science Degree in Accounting and Finance from Indiana University and is a Certified Public Accountant and a Certified Management Accountant. He and his wife Sandy live in Fairfax, VA.


Ivy ZelmanIvy Zelman

As Chief Executive Officer of Zelman & Associates, Ivy Zelman, holds roughly 25 years of experience covering housing and housing-related industries. Founded in October 2007, Zelman & Associates provides analyses across all aspects of the housing spectrum. Ivy’s concept for the firm remains strongly rooted in the ability to perform thematic research overlaid with proprietary surveys to produce unparalleled differentiated value added research.

Ivy continues to be frequently quoted in The Wall Street Journal and appears occasionally as a guest on CNBC. For the past 21 years, Institutional Investor has recognized Ivy as one of the most preeminent figures within the housing industry. Most notably, Institutional Investors - America Research Team rankings placed Ivy and her team with eleven 1st place rankings (1999 – 2004, 2006 – 2007 and 2010 – 2013). Ivy achieved this record over the years, most notably when she called the top of the housing market in 2005. In addition, she reinforced her dominant reputation in the industry by calling the bottom of the housing market in January 2012.

Ivy received a Bachelor of Science from George Mason University and currently lives in Cleveland, Ohio with her husband David and their three children, Zoey, Zachary and Zia.


AmeriHome Mortgage
Arch Mortgage Insurance
Benchmark Mortgage
Black, Mann & Graham, LLP
Cendera Funding, Inc.
Chase Home Finance
City Bank Mortgage
Colonial National Mortgage, F.A.
Comerica Bank - Warehouse Lending
Cornerstone Home Lending, Inc.
Data Facts, Inc.
Ditech, a Walter Company
Dovenmuehle Mortgage, Inc.
Envoy Mortgage, Ltd.
Essent Guaranty, Inc.
First Continental Mortgage Company
Flagstar Bank
Gateway Mortgage Group, LLC
Genworth Mortgage Insurance
Guardian Mortgage Company, Inc.
HNB Mortgage
MERSCORP Holdings, Inc.
Mid America Mortgage, Inc.
Mortgage Guaranty Insurance Corporation
Multi Bank Securities
National Mortgage Insurance
NationStar Mortgage
Network Funding LP
NexBank SSB
Origin Bank
Pacific Union Financial
Phoenix Capital, Inc.
Plaza Home Mortgage, Inc.
Radian Guaranty, Inc.
Redwood Trust
Republic State Mortgage Company
Richey May & Co., LLP
Sente Mortgage
Southwest Bank
Starkey Mortgage
Stearns Lending
Stewart Lender Services
SWBC Mortgage Corporation
Texas Capital Bank, N.A.
United Guaranty Residential
Insurance Company
Vice Capital Markets, Inc
Wells Fargo



AmeriHome Mortgage
Ameris Bank
Byte Software
Champions School of Real Estate
Dovenmuehle Mortgage, Inc.
Enriched Data
Fannie Mae
First Guaranty Mortgage Corporation
MCT Trading
Mercury Network
Mortgage Assurance Inc.
Optimal Blue
Planet Home L ending
Plaza Home
PowerSeller Solutions
Precision Risk Management Systems, Inc.
Sprout Mortgage Corporation
TenA Companies Inc.
The StoneHill Group, Inc.
[ view current floorplan ]