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Impact of Regulatory Changes • Repayment ability calculated at fully-indexed rate assuming a fully-amortizing schedule (new and existing homeowners) • “Risk layering” reduced • Documentation of income expanded • Disclosure requirements increased • Protections/limitations imposed on “higherpriced” mortgages
Impact of Market Challenges • Liquidity evaporated • Products disappeared • Underwriting tightened • Rates and costs increased • Problems will lead to additional legislation and regulation
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Co-Event Sponsors Gold Sponsor Silv
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Fourth Annual Mortgage Lending Indu
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Monday, October 6, 2008 Fourth Annu
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TAB SPONSORS
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FAIR LENDING ADVISORY FOR LENDER SE
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��
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HELP YOUR CLIENTS GET THE MORTGAGE
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HMDA Data Mining for CRA and Minori
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The Demographic Impact of the Subpr
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Index of Tables Table 1: Loan Type
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Purpose The purpose of this study i
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Subprime Rate Loans And The Current
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Subprime Rate Loans And The Current
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Summary Of Findings • The overall
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Highlights Of 2004-2006 Subprime Ra
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Highlights Of 2004-2006 Subprime Ra
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Distribution Analysis Of 2006 Subpr
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Conclusion About The Author maurice
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Successful Sales Tools for Loan Ori
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TAB WELCOME ADDRESS
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John A. Courson John A. Courson is
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Why Diversity is Important to the M
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STACEY D. STEWART Chief Diversity O
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Terri J. Fowlkes Terri J. Fowlkes i
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The First American Corporation Depl
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What is Supplier Diversity at First
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DIVERSITY Transformation Over Time!
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Developing a Winning Diversity Busi
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Know the Facts � Minority groups'
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Data Sources -- Building The Case R
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Example: Relevant Marketing Collate
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Diversity and Inclusion in Mortgage
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Our Commitment to Diversity and Inc
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Our Commitment has resulted in this
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Recruiting Diverse Talent - a Criti
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Finding Experienced Diverse Sales P
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Best Practices in Recruiting Divers
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Thank you John Browning Area Sales
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Confidential - Copyright © Citi 20
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• Mortgage Market Dislocation •
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1. Dedicated / Focused / Diverse St
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• GSEs • MI Companies • Non-P
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• Access • R-HOME • Home Run
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TAB IMPACT OF HOUSING LEGISLATION
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Michael Taliefero Michael Taliefero
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Tim Doyle is a Vice President of In
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Housing and Economic Recovery Act o
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• Adds energy efficiency and hist
Page 113 and 114: Emergency Assistance for the Redeve
Page 115 and 116: Key Provisions for HFAs FHA Moderni
Page 117 and 118: Mission Improvement • Requires th
Page 119 and 120: Key Provisions for HFAs HOPE for Ho
Page 121 and 122: Mortgage Foreclosure Protections fo
Page 123 and 124: Key Provisions for HFAs Housing Tax
Page 125 and 126: SUMMARY OF H.R. 3221 - THE HOUSING
Page 127 and 128: terms, conditions as the Secretary
Page 129 and 130: H.R 3221 DIVISION A - TITLE II - FE
Page 131 and 132: H.R. 3221 DIVISION A - TITLE IV - H
Page 133 and 134: H.R. 3221 DIVISION A - TITLE V: S.A
Page 135 and 136: esidential mortgage loan originator
Page 137 and 138: H.R. 3221 -DIVISION B - TITLE II -
Page 139 and 140: exempt housing bonds that each stat
Page 141 and 142: Transfer of funds appropriated to c
Page 143 and 144: The Emergency Economic Stabilizatio
Page 145 and 146: October 2008 Treasury must issue pr
Page 147 and 148: October 2008 and other available pr
Page 149 and 150: October 2008 foreclosure mitigation
Page 151 and 152: October 2008 a bid regardless of an
Page 153 and 154: preferred stock held by the financi
Page 155 and 156: October 2008 Sec. 504. Income avera
Page 157 and 158: Licensing Standards: All state-lice
Page 159 and 160: Federal Banking Agencies/Federal Fi
Page 161 and 162: Increasing Transparency and Account
Page 163: Housing Legislation in a Broader Co
Page 167 and 168: Components of HERA • FHA Moderniz
Page 169 and 170: Wells Fargo’s Long-term Commitmen
Page 171 and 172: Other HERA Provisions Hope for Home
Page 173 and 174: Questions? Tom Goyda Wells Fargo Ho
Page 175 and 176: Sponsored by: Diversity Luncheon 11
Page 177 and 178: Market Psychology around Homeowners
Page 179 and 180: Mortgage Strategic Markets & Divers
Page 181 and 182: Share Foreclosures by Loan Type Pro
Page 183 and 184: Q2-2008 Prime ARM Foreclosure Start
Page 185 and 186: Foreclosures in “Sand” States A
Page 187 and 188: Foreclosures in “Sand” States S
Page 191 and 192: Change in Number of Owner- and Rent
Page 193 and 194: 77 76 75 74 73 72 71 98 Homeownersh
Page 195 and 196: Changing the Market Psychology arou
Page 197 and 198: The Truth about Foreclosures • Pe
Page 199 and 200: The Truth about Mortgage Securitiza
Page 201 and 202: What has the Credit Panic Done to t
Page 203 and 204: 80% 75% 70% 65% 60% 55% 50% 45% 40%
Page 205 and 206: Rank 1 2 3 4 5 6 7 8 9 10 11 12 13
Page 207 and 208: Left Us with ‘Super 4’ Mortgage
Page 209 and 210: Are Declining Markets Underwriting
Page 211: Changing the Consumer Psychology Ar
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Perceptions p • During g an other
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11,400,000 400 000 1,200,000 1,000,
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$250,000,000 $200,000,000 $150,000,
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Perceent 60.00 50.00 40.00 30.00 20
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700,000 600,000 500,000 400,000 300
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Percent 50.00 45.00 40.00 35.00 30.
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45.00% 40.00% 35.00% 30.00% 25.00%
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Reality 2004 2004-2007 2004 2007 20
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40.00% 35.00% 30.00% 25.00% 20.00%
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Reality 2004 2004-2007, 2004 2007,
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• While many conservatives believ
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TAB TRENDS IN LOSS MITIGATION
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Patrick Carey Chief Executive Offic
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TAB NON PROFIT’S ROLE IN EARLY IN
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Larry L. Gilmore 5502 Willow Grove
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2007….What Happened? � Lack of
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2,500,000 2,000,000 1,500,000 1,000
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HOPE NOW Alliance Membership Counse
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Borrower Outreach Letters � Servi
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Date Cities State Servicers Borrowe
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HOPE Hotline...888-995-HOPE � Nat
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HOPE NOW Results � Since July 200
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Percent Increase in Loan Modificati
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TAB RESPONSIBLE SUSTAINABLE LENDING
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Ernest E. Baskette, Jr. Mr. Baskett
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Shelley Metz-Galloway Vice Presiden
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What is… “the art of influencin
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Wells Fargo Our Commitment is Past,
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Wells Fargo Sustaining the History
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Why Responsible Lending? Responsibl
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Thank you Shelley Metz-Galloway Vic
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What is Self-Help? • Self-Help is
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www.self-help.org 4 4
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Lease-Purchase Mortgage Product �
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Lease-Purchase Pilot Structure Loan
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Pilot in Peachtree Hills, Charlotte
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Peachtree Hills - Foreclosure Distr
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Homes are still in decent shape Exp
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Supportive Services • Homebuyer c
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4 th Annual Mortgage Lending Indust
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MLI Emerging Markets and Diversity
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A new, innovative, comprehensive an
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Tactics and Strategies to Preserve
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TAB BEST IN INDUSTRY DINNER
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FOR IMMEDIATE RELEASE Wednesday, Oc
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Fourth Annual Minority Lending Awar
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Affordable Housing, CRA & Strategic
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Affordable Housing, CRA & Strategic
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What is ACCESS? Standard First Mort
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Create a Competitive Edge • Secon
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Leverage MI to Create a Competitive
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ACCESS is Easy for You and Your Cus
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Questions: National Homebuyers Fund
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Town Hall Meeting: Consumer Protect
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Lori Jones Gibbs Lori Jones Gibbs i
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Stella Adams Stella Adams is the fo
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Maria Kong Maria Kong has been a dy
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Strategic Markets and Diversity Con
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