NMP - November 2019 - 4

FROM THE PUBLISHER'S DESK
NOVEMBER 2019
Volume 11 * Number 11
1220 Wantagh Avenue * Wantagh, NY 11793-2202
Phone: (516) 409-5555 * Fax: (516) 409-4600
Web site: NationalMortgageProfessional.com

STAFF
Joel M. Berman
Publisher - CEO
(516) 409-5555, ext. 310
joel@mortgagenewsnetwork.com
Eric C. Peck
Editor-in-Chief
(516) 409-5555, ext. 312
ericp@mortgagenewsnetwork.com
Joey Arendt
Art Director
(516) 409-5555, ext. 323
joeya@mortgagenewsnetwork.com
Phil Hall
Managing Editor
(516) 409-5555, ext. 312
philh@mortgagenewsnetwork.com
Rick Grant
Special Reports Editor
(570) 497-1026 (direct)
(516) 409-555, ext. 311
rickg@mortgagenewsnetwork.com
Scott Koondel
VP of Operations
(516) 409-5555, ext. 324
scottk@mortgagenewsnetwork.com
Francine Miller
Advertising Coordinator
(516) 409-5555, ext. 301
francinem@mortgagenewsnetwork.com

Advertising
To receive any information regarding advertising rates,
deadlines and requirements, please contact (516) 409-5555,
ext. 4 or e-mail advertising@mortgagenewsnetwork.com.

Article submissions/press releases
To submit any material, including articles and press releases,
please contact Editor-in-Chief Eric C. Peck at (516) 409-5555,
ext. 312 or e-mail ericp@mortgagenewsnetwork.com. The
deadline for submissions is the first of the month prior to the
target issue.

Subscriptions
To receive subscription information, please call (516) 4095555, ext. 301; e-mail orders@mortgagenewsnetwork.com
or visit www.nationalmortgageprofessional.com. Any
subscription changes may be made to the attention of
"Circulation" via fax to (516) 409-4600.
Statements, articles and opinions in National Mortgage
Professional Magazine are the responsibility of the authors
alone and do not imply the opinion or endorsement of
Mortgage News Network Inc., or the officers or members of
National Association of Mortgage Brokers and its State
Affiliates (NAMB), National Association of Professional
Mortgage Women (NAPMW), National Consumer Reporting
Association (NCRA) and/or other state mortgage trade
associations.
Participation in NAMB, NAPMW, NCRA, ARMCP and/or
other state mortgage trade associations events, activities
and/or publications is available on a non-discriminatory basis
and does not reflect the endorsement of the product and/or
services by Mortgage News Network Inc., NAMB, NAPMW,
NCRA, and other state mortgage trade associations.
National Mortgage Professional Magazine, NAMB,
NAPMW, NCRA, ARMCP and/or other state mortgage trade
associations do not make any misrepresentations or
warranties concerning the regulatory and/or compliance
aspects of advertisers, products or services and/or the
editorial content contained in Mortgage News Network Inc.
publications. National Mortgage Professional Magazine and
Mortgage News Network Inc. reserve the right to edit, reject
and/or postpone the publication of any articles, information
or data.

Saluting the Heroes of Homeownership
Originally known as Armistice Day and marking the end of World War I, Veterans Day has
become our opportunity to recognize the incredible jobs and, too often, the sacrifices that our
men and women in uniform have made for us. Celebrated each November since 1919 (which
makes the holiday 100 years old this month), Veterans Day gives us the chance to say thanks
to our military for their service.
Whether it's a smile or something more, we all have the opportunity to share our gratitude
with those who have served in our military organizations. But some have the ability to go even
further. That's a big part of what this issue is about, focusing some attention on the lenders
who make homeownership accessible to our military veterans. We call them the "Heroes of
Homeownership," and we salute them by dedicating this issue to them and their work.
You'll find our list of "The Best Military Originators and Lenders 2019" in this issue. It's an
honor to shine some light on the work these companies and individuals do for their
communities. We believe this is an important part of keeping America the land of the free.
Please check out the story and send a shout out to anyone you know who is making these
loans. They deserve a pat on the pack.
But this is work that any loan originator can do. In this issue, we'll bring you six excellent
feature articles on the topic of military loans, so you can become a Homeownership Hero
yourself.
These deals have been a challenge for some due to the nature of the government agency
that guarantees these mortgages and the many requirements, but we can't let this stand in the
way of our service to those that have given so much to the rest of us and so we hope you will
spend some time studying the material in these features.
Start with the strategy by reading "Selling VA Loans Starts With Vision," by Brian Koss,
executive vice president of Mortgage Network. This story will give you the right mind frame to
do this work.
Then, read on in "Getting Involved," from Michael Fischer, branch manager at Ross Mortgage
and president of Military Mortgage Boot Camp & Jay McMaken, chief executive officer of
Military Mortgage Boot Camp and chief advisor of VA Lending at Benchmark Mortgage. This is
a great way to get your VA lending boots on the ground.
You'll also find "Homeownership Shouldn't Require Heroics: Underserved borrowers can
become homeowners with the right lenders," by Greg Austin, executive vice president of
Carrington Mortgage Services and "Serving the Dream of Homeownership to Those Who Serve
our Country: Mastering the VA Loan," by Casey Cunningham, chief executive officer and
founder of XINNIX Inc. These stories provide great case studies about firms that have
embraced this business and found the win-win.
Of course, we won't try to tell you that this business is easy. You have to keep up with the
changes. For that, we bring you "The Ever-Changing and Evolving VA Loan," by Brian Daily,
senior vice president of production at Mountain West Financial.
Serving these heroes is important work and the lenders that do reap many benefits. What
keeps them in the game? Never losing focus on their "why?" Find out what we're talking about
by reading "Honoring Our Veterans," by Beverly Ray Frase, national director of Certified Military
Home Specialists for Boots Across America.
All in all, it's a mission worthy of our nation's best loan originators and we hope you all sign
up to do more VA loans in the year ahead.
For more coverage of what the industry is doing for our veterans, please visit Mortgage News
Network (MortgageNewsNetwork.com) and check out the "Homeownership Heroes" series.
Hosted by Bryan Bergjans, national director of military and VA lending with Caliber Home
Loans, "Homeownership Heroes" covers all facets of military lending through interviews and
profiles of some of the top movers and shakers in the industry.
If we brought you nothing more, this would be an issue I am incredibly proud of, but we bring
you a lot more. Be sure to see our "NMP Mortgage Professional of the Month: Mat Ishbia,
president and CEO of United Wholesale Mortgage." Always an inspiration, Mat is still coaching
and leading. Find out what you can learn from him and his leading company in this issue.
It was great to see so many of our friends and readers at the recent Mortgage Bankers
Association Annual Convention in Austin, Texas. Andrew Berman and Josh Pitts, Shred's
founder, did a fantastic job at the video booth during the event. We'll be bringing you those
stories soon. Check out our recap of the event in this issue.
As always, I am grateful to have you as a reader and wish you great success in the days
ahead.
Sincerely,

Joel M. Berman, Publisher-CEO
Mortgage News Network
Joel@MortgageNewsNetwork.com

National Mortgage Professional Magazine is published monthly by Mortgage News Network Inc.
Copyright © 2019 Mortgage News Network Inc.


http://www.NationalMortgageProfessional.com http://www.MortgageNewsNetwork.com http://www.nationalmortgageprofessional.com

NMP - November 2019

Table of Contents for the Digital Edition of NMP - November 2019

Contents
NMP - November 2019 - CT1
NMP - November 2019 - CT2
NMP - November 2019 - Cover1
NMP - November 2019 - Cover2
NMP - November 2019 - 1
NMP - November 2019 - Contents
NMP - November 2019 - 3
NMP - November 2019 - 4
NMP - November 2019 - 5
NMP - November 2019 - 6
NMP - November 2019 - 7
NMP - November 2019 - 8
NMP - November 2019 - 9
NMP - November 2019 - 10
NMP - November 2019 - 11
NMP - November 2019 - 12
NMP - November 2019 - 13
NMP - November 2019 - 14
NMP - November 2019 - 15
NMP - November 2019 - 16
NMP - November 2019 - 17
NMP - November 2019 - 18
NMP - November 2019 - 19
NMP - November 2019 - 20
NMP - November 2019 - 21
NMP - November 2019 - 22
NMP - November 2019 - 23
NMP - November 2019 - 24
NMP - November 2019 - 25
NMP - November 2019 - 26
NMP - November 2019 - 27
NMP - November 2019 - 28
NMP - November 2019 - 29
NMP - November 2019 - 30
NMP - November 2019 - 31
NMP - November 2019 - 32
NMP - November 2019 - 33
NMP - November 2019 - 34
NMP - November 2019 - 35
NMP - November 2019 - 36
NMP - November 2019 - 37
NMP - November 2019 - 38
NMP - November 2019 - 39
NMP - November 2019 - 40
NMP - November 2019 - 41
NMP - November 2019 - 42
NMP - November 2019 - 43
NMP - November 2019 - 44
NMP - November 2019 - 45
NMP - November 2019 - 46
NMP - November 2019 - 47
NMP - November 2019 - 48
NMP - November 2019 - 49
NMP - November 2019 - 50
NMP - November 2019 - 51
NMP - November 2019 - 52
NMP - November 2019 - 53
NMP - November 2019 - 54
NMP - November 2019 - 55
NMP - November 2019 - 56
NMP - November 2019 - 57
NMP - November 2019 - 58
NMP - November 2019 - 59
NMP - November 2019 - 60
NMP - November 2019 - 61
NMP - November 2019 - 62
NMP - November 2019 - 63
NMP - November 2019 - 64
NMP - November 2019 - 65
NMP - November 2019 - 66
NMP - November 2019 - 67
NMP - November 2019 - 68
NMP - November 2019 - 69
NMP - November 2019 - 70
NMP - November 2019 - 71
NMP - November 2019 - 72
NMP - November 2019 - 73
NMP - November 2019 - 74
NMP - November 2019 - 75
NMP - November 2019 - 76
NMP - November 2019 - 77
NMP - November 2019 - 78
NMP - November 2019 - 79
NMP - November 2019 - 80
NMP - November 2019 - Cover3
NMP - November 2019 - Cover4
http://www.nxtbook.com/nxtbooks/nmpmedia/nmp_201912
http://www.nxtbook.com/nxtbooks/nmpmedia/nmp_201911
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