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Change in Number of Owner- and Renteroccupied Households, Year-over-year (additive) Thousands of households 2500 2000 1500 1000 500 0 -500 -1000 -1500 1990 - Q1 Change in owner-occupied households Change in renter-occupied households 1991 - Q1 1992 - Q1 1993 - Q1 Source: Census Bureau and MBA 1994 - Q1 1995 - Q1 1996 - Q1 1997 - Q1 1998 - Q1 1999 - Q1 2000 - Q1 2001 - Q1 2002 - Q1 2003 - Q1 2004 - Q1 2005 - Q1 2006 - Q1 2007 - Q1 2008 - Q1 13
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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
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Emergency Assistance for the Redeve
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Key Provisions for HFAs FHA Moderni
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Mission Improvement • Requires th
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Key Provisions for HFAs HOPE for Ho
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Mortgage Foreclosure Protections fo
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Key Provisions for HFAs Housing Tax
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SUMMARY OF H.R. 3221 - THE HOUSING
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terms, conditions as the Secretary
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H.R 3221 DIVISION A - TITLE II - FE
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H.R. 3221 DIVISION A - TITLE IV - H
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H.R. 3221 DIVISION A - TITLE V: S.A
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esidential mortgage loan originator
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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 and 164: Housing Legislation in a Broader Co
Page 165 and 166: Impact of Market Challenges • Liq
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 192 and 193: 52 50 48 46 44 42 98 99 Homeownersh
Page 194 and 195: Issues Going Forward • What to do
Page 196 and 197: Credit Crisis or Credit Panic? �
Page 198 and 199: The Truth about Subprime Exposure
Page 200 and 201: The Truth about Fannie and Freddie
Page 202 and 203: It’s Left Only Government Related
Page 204 and 205: And Then a Shift to FHA as Panic %
Page 206 and 207: Less than Half of 2007 Top Lenders
Page 208 and 209: Where Are We in the Housing Cycle?
Page 210 and 211: Are Media Portrayals of Mortgage Cr
Page 213 and 214: Market Psychology Around Homeowners
Page 215 and 216: Reality 2004-2007 2004 2007 • IIn
Page 217 and 218: 2004-2007 Share of Subprime Rate Lo
Page 219 and 220: • In each year, the White proport
Page 221 and 222: Average A Spread 6.00 5.00 4.00 3.0
Page 223 and 224: $120,000,000 $100,000,000 $80,000,0
Page 225 and 226: •Upper U iincome borrowers b had
Page 227 and 228: 250,000 200,000 150,000 100,000 50,
Page 229 and 230: 1,000,000 900,000 800,000 700,000 6
Page 231 and 232: Peercent 2004-2007 Subprime Rate Lo
Page 233 and 234: 2,000,000 1,800,000 1,600,000 1,400
Page 235 and 236: MMaurice i JJourdain-Earl d i E l 2
Page 237 and 238: Trends in Loss Mitigation - Maximiz
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Alan Goldberg Alan Goldberg has ove
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Non Profit’s Role in Early Interv
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The HOPE NOW Alliance Larry L. Gilm
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2008….What’s Happening? � Mar
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Mission � Maximize the preservati
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Servicer Principles � Early conta
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HOPE NOW Homeownership Preservation
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Upcoming Workshops October 21 Firm
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Increasing Efficiency through Techn
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HOPE NOW Data Reporting BORROWER LO
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HOPE NOW Tomorrow � Anticipate co
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Responsible Sustainable Lending acr
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Catherine Van Dusen Godschalk Cathe
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Responsible/Sustainable Lending Acr
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Destination � Fair and Responsibl
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Wells Fargo Fair and Responsible Le
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Wells Fargo’s Responsible Lending
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Fair and Responsible Lending… Wel
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Catherine Godschalk Self-Help Forec
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Secondary Market Overview Loan Orig
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Program Guidelines • 100% LTV unt
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Lease-Purchase Program Goals � Ne
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Lease-Purchase Critical Issues Vaca
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Charlotte - Foreclosure Distributio
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Peachtree Hills - Ownership Red - I
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Sales & Lease Price Ranges � Home
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Conclusion • 2 to 6 million compl
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• Mortgage Market Dislocation - R
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MLI Emerging Markets and Diversity
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TAB TACTICS & STRATEGIES TO PRESERV
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Tim Sandos Tim Sandos Before joinin
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Joseph J. Murin Joseph J. Murin was
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Fourth Annual Minority Lending Awar
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TAB AFFORDABLE HOUSING, CRA & STRAT
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Donald A Cohen Don has worked with
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Current Environment More restrictiv
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ACCESS: A Solution for homeownershi
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Expand Your Reach • Higher Income
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Leverage ACCESS Materials to Maximi
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To Get Started Real Estate Professi
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TAB TOWN HALL MEETING
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Speakers continued: Town Hall Meeti
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Town Hall Meeting on Consumer Prote
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Cathy Cloud Cathy Cloud is Senior V
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Kong continued: Currently, Maria Ko
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