NMP - October 2016 - 20

N A M B P E R S P E C T I V E NAMB President's Message: October 2016 OCTOBER 2016 n National Mortgage Professional Magazine n NationalMortgageProfessional.com 20 I've watched our association thrive as I've had the privilege to serve California state and now, NAMB-The Association of Mortgage Professionals, for the past 15 years. I'm thrilled to say this has led to an incredible opportunity to serve as your new president. I hope to take what Rocke Andrews, outgoing NAMB president, did this past year and leverage his and the board's success. He and I have been collaborating for the last year, so the transition to the new board will be seamless. One of my goals for the upcoming year is to increase state participation. While our NAMB membership has increased as a whole, some state chapters have fallen to the side over the years. I am also looking to increase NAMB convention participation, not just among mortgage originators, but with others in our industry as well, including wholesale lenders and home appraisers. I will also be focused on increasing NAMB-coordinated education and training. As I am now beginning my tenure as the NAMB president, I can confidently say I'm ready to embark on this journey with all of you. I am truly excited to lead you and an incredible team of volunteers. I have learned so much from many of you these past years, and I have to say, I am extremely optimistic about our future as an industry of mortgage professionals. I learned to "do the right thing," for clients and peers from my business partner, friend and past California State President Fred Arnold, over 14 years ago, and over the years, I've grown and refined that practice into making a difference. Each time I write and speak to loan originators, I hope that I inspire many of you to influence and motivate others as well. Your new NAMB board is filled with passionate people that I hope will inspire each and every one of you. Please lend them your advice and support, as you do for me, and I promise that it will come back to you tenfold. A couple of years ago, I attended a law school graduation where the keynote speaker had a great commencement speech on "Branding." Now you might think, what does branding have to do with being a lawyer or mortgage professional? Well, I invite you to follow the logic behind, "What is branding?" One definition of branding is, "The process involved in creating a unique name and image for a product in the consumers' mind, mainly through advertising campaigns with a consistent theme. Branding aims to establish a significant and differentiated presence in the market that attracts and retains loyal customers." The keynote speaker went on to say, "project yourself to 2023 (10 years from now) and what is your brand." He began to ask seven questions of the newly minted law graduates. Most of the questions pertained to civility, ethics and integrity not just with their clients, but also to one another. Branding is based on how we as mortgage professionals interact with our clients and each other. This brings me back to my message of "gratitude" and what it means to be part of something greater, with the responsibility that all of us have to give back to our industry. I have spoken to state chapters about William Buckley's book, Gratitude, over the last couple years. Buckley suggests that citizens of the United States ought to feel a debt of gratitude toward their country. A debt that can best be repaid by volunteer service of a charitable sort. Buckley emphasizes that volunteering extends past providing service to the needy and repaying a social debt. Volunteering leads to an enhanced sense of civic pride. The individuals who engage in volunteering will find their altruistic impulses aroused. They will learn about aspects of life they would be unlikely to encounter otherwise. They will even come to realize that there is more to life than self-indulgence. This industry provides great prosperity and I am asking that you give back this year and beyond. Ask yourself today, how can you give back to the industry in which we have all chosen to participate? We all have to ask ourselves; what can I do in order to give back? 1. If you are not a member of your industry association, JOIN! 2. If you are a member, attend monthly chapter and state events, PARTICIPATE! 3. If you attend monthly chapter and state events, VOLUNTEER for a local board position and lend your time and thoughts on improving the organization. 4. Respond to Calls to Action. Do not let the person next to you to speak on your behalf. SPEAK UP. Your voice and message need to be heard. I know that all of us are busier now than we've ever been in the past. Business has been compressed and there are fewer originators than in the past. This is a fantastic opportunity and I challenge every one of you to choose one of the four tasks I just mentioned and engage. I am proud and honored to serve you, and I look forward to sharing great practices of what gratitude means to us today. I will leave you with a great quote from Theodore Roosevelt from his speech "The Man in the Arena:" "The credit belongs to the man who is actually in the arena ... who spends himself in a worthy cause ... so that his place shall never be with those cold and timid souls who neither know victory nor defeat." Thank you and Namasté ... Fred Kreger, CMC, 2016-2017 President NAMB-The Association of Mortgage Professionals Fred.Kreger@APMortgage.com * JOINNAMB.com The CEO Perspective A Message From NAMB CEO Donald J. Frommeyer We just got done having a great NAMB National conference and look forward to the future and 2017. We have installed a new President Fred Kreger from California, President-Elect John Stevens from Utah, Vice President Valerie Saunders from Florida, Treasurer Andy W. Harris from Oregon, and Secretary Olga Kucerak from Texas, along with Immediate Past President Rocke Andrews from Arizona. The directors for NAMB this year include Rick Bettencourt, David Luna, Michelle Velez, Chris Bettis, Robert Sweeney, Linda McCoy, Kimber White and Nathan Pierce. This is a very experienced group of people, and as I said earlier, we look forward to a great 2017. In my last two years as your CEO, I have been involved in helping to bring you great conferences with meaning and hoping that you get some education from these conferences. We are continuing that by making sure that you have a reason to continue to come to our conferences. I have to admit, when we started to do these five years ago, we have gone from 200 people attending to more than 3,000 attending NAMB National. This tells me that we are doing our job as an association that continues to help our membership. And this is our goal. At NAMB National, it was announced that NAMB is pushing for more brokers to become entrepreneurs in offering a new program called KickStart. This program is designed to help these men and women open up their own shop by providing grants up to $10,000 to open your own company. Let's make this perfectly clear. NAMB is not going to go and advertise or solicit your loan officers to do http://www.JOINNAMB.com http://www.NationalMortgageProfessional.com

Table of Contents for the Digital Edition of NMP - October 2016

Table of Contents
NMP - October 2016 - Cover1
NMP - October 2016 - Cover2
NMP - October 2016 - 1
NMP - October 2016 - Table of Contents
NMP - October 2016 - 3
NMP - October 2016 - 4
NMP - October 2016 - 5
NMP - October 2016 - 6
NMP - October 2016 - 7
NMP - October 2016 - 8
NMP - October 2016 - 9
NMP - October 2016 - 10
NMP - October 2016 - 11
NMP - October 2016 - 12
NMP - October 2016 - 13
NMP - October 2016 - 14
NMP - October 2016 - 15
NMP - October 2016 - 16
NMP - October 2016 - 17
NMP - October 2016 - 18
NMP - October 2016 - 19
NMP - October 2016 - 20
NMP - October 2016 - 21
NMP - October 2016 - 22
NMP - October 2016 - 23
NMP - October 2016 - 24
NMP - October 2016 - 25
NMP - October 2016 - 26
NMP - October 2016 - 27
NMP - October 2016 - 28
NMP - October 2016 - 29
NMP - October 2016 - 30
NMP - October 2016 - 31
NMP - October 2016 - 32
NMP - October 2016 - 33
NMP - October 2016 - 34
NMP - October 2016 - 35
NMP - October 2016 - 36
NMP - October 2016 - 37
NMP - October 2016 - 38
NMP - October 2016 - 39
NMP - October 2016 - 40
NMP - October 2016 - 41
NMP - October 2016 - 42
NMP - October 2016 - 43
NMP - October 2016 - 44
NMP - October 2016 - 45
NMP - October 2016 - 46
NMP - October 2016 - 47
NMP - October 2016 - 48
NMP - October 2016 - 49
NMP - October 2016 - 50
NMP - October 2016 - 51
NMP - October 2016 - 52
NMP - October 2016 - 53
NMP - October 2016 - 54
NMP - October 2016 - 55
NMP - October 2016 - 56
NMP - October 2016 - 57
NMP - October 2016 - 58
NMP - October 2016 - 59
NMP - October 2016 - 60
NMP - October 2016 - 61
NMP - October 2016 - 62
NMP - October 2016 - 63
NMP - October 2016 - 64
NMP - October 2016 - 65
NMP - October 2016 - 66
NMP - October 2016 - 67
NMP - October 2016 - 68
NMP - October 2016 - 69
NMP - October 2016 - 70
NMP - October 2016 - 71
NMP - October 2016 - 72
NMP - October 2016 - 73
NMP - October 2016 - 74
NMP - October 2016 - 75
NMP - October 2016 - 76
NMP - October 2016 - 77
NMP - October 2016 - 78
NMP - October 2016 - 79
NMP - October 2016 - 80
NMP - October 2016 - 81
NMP - October 2016 - 82
NMP - October 2016 - 83
NMP - October 2016 - 84
NMP - October 2016 - 85
NMP - October 2016 - 86
NMP - October 2016 - 87
NMP - October 2016 - 88
NMP - October 2016 - 89
NMP - October 2016 - 90
NMP - October 2016 - 91
NMP - October 2016 - 92
NMP - October 2016 - 93
NMP - October 2016 - 94
NMP - October 2016 - 95
NMP - October 2016 - 96
NMP - October 2016 - 97
NMP - October 2016 - 98
NMP - October 2016 - 99
NMP - October 2016 - 100
NMP - October 2016 - 101
NMP - October 2016 - 102
NMP - October 2016 - 103
NMP - October 2016 - 104
NMP - October 2016 - Cover3
NMP - October 2016 - Cover4
http://www.nxtbook.com/nxtbooks/nmpmedia/nmp_201910
http://www.nxtbook.com/nxtbooks/nmpmedia/nmp_201909
http://www.nxtbook.com/nxtbooks/nmpmedia/nmp_201908
http://www.nxtbook.com/nxtbooks/nmpmedia/nmp_201907
http://www.nxtbook.com/nxtbooks/nmpmedia/nmp_201906
http://www.nxtbook.com/nxtbooks/nmpmedia/nmp_201905
http://www.nxtbook.com/nxtbooks/nmpmedia/nmp_201904
http://www.nxtbook.com/nxtbooks/nmpmedia/nmp_201903
http://www.nxtbook.com/nxtbooks/nmpmedia/nmp_201902
http://www.nxtbook.com/nxtbooks/nmpmedia/nmp_201901
http://www.nxtbook.com/nxtbooks/nmpmedia/nmp_201812
http://www.nxtbook.com/nxtbooks/nmpmedia/nmp_201811
http://www.nxtbook.com/nxtbooks/nmpmedia/nmp_201810
http://www.nxtbook.com/nxtbooks/nmpmedia/nmp_201809
http://www.nxtbook.com/nxtbooks/nmpmedia/nmp_201808
http://www.nxtbook.com/nxtbooks/nmpmedia/nmp_201807
http://www.nxtbook.com/nxtbooks/nmpmedia/nmp_201806
http://www.nxtbook.com/nxtbooks/nmpmedia/nmp_201805
http://www.nxtbook.com/nxtbooks/nmpmedia/nmp_201804
http://www.nxtbook.com/nxtbooks/nmpmedia/nmp_201803
http://www.nxtbook.com/nxtbooks/nmpmedia/nmp_201802
http://www.nxtbook.com/nxtbooks/nmpmedia/nmp_201801
http://www.nxtbook.com/nxtbooks/nmpmedia/nmp_201712
http://www.nxtbook.com/nxtbooks/nmpmedia/nmp_201711
http://www.nxtbook.com/nxtbooks/nmpmedia/nmp_201710
http://www.nxtbook.com/nxtbooks/nmpmedia/nmp_201709
http://www.nxtbook.com/nxtbooks/nmpmedia/nmp_201708
http://www.nxtbook.com/nxtbooks/nmpmedia/nmp_201707
http://www.nxtbook.com/nxtbooks/nmpmedia/nmp_201706
http://www.nxtbook.com/nxtbooks/nmpmedia/nmp_201705
http://www.nxtbook.com/nxtbooks/nmpmedia/nmp_201704
http://www.nxtbook.com/nxtbooks/nmpmedia/nmp_201703
http://www.nxtbook.com/nxtbooks/nmpmedia/nmp_201702
http://www.nxtbook.com/nxtbooks/nmpmedia/nmp_201701
http://www.nxtbook.com/nxtbooks/nmpmedia/nmp_201612
http://www.nxtbook.com/nxtbooks/nmpmedia/nmp_201611
http://www.nxtbook.com/nxtbooks/nmpmedia/nmp_201610
http://www.nxtbook.com/nxtbooks/nmpmedia/nmp_201609
http://www.nxtbook.com/nxtbooks/nmpmedia/nmp_201608
http://www.nxtbook.com/nxtbooks/nmpmedia/nmp_201607
http://www.nxtbook.com/nxtbooks/nmpmedia/nmp_201604
http://www.nxtbookMEDIA.com