National Express drives forward after strong quarter

first_img Tags: NULL National Express said it expects full-year profit to exceed market expectations, helped by a strong across-the-board performance in the fourth quarter.The bus, coach and train operator said on Friday that all parts of its business had performed well since October, with especially strong revenue growth at its British rail and coach businesses and in North America.“The group has continued its strong progress during the fourth quarter, with ongoing growth in year-on-year profitability,” the company said in a statement.“As a result, the board now expects normalised profit before tax for 2010 to be a little above current market expectations and markedly stronger than was expected back in January 2010.”National Express said margin recovery at its UK bus unit was ahead of its plans and that its Spanish bus and coach businesses were growing despite tough economic conditions. Read This Next’A Quiet Place Part II’ Sets Pandemic Record in Debut WeekendFamily ProofHiking Gadgets: Amazon Deals Perfect For Your Next AdventureFamily ProofBack on the Rails for Summer New York to New Orleans, Savannah and MiamiFamily ProofIndian Spiced Vegetable Nuggets: Recipes Worth CookingFamily ProofAmazon roars for MGM’s lion, paying $8.45 billion for studio behind JamesFamily ProofYoga for Beginners: 3 Different Types of Yoga You Should TryFamily ProofNew England Patriots’ Cam Newton says no extra motivation from Mac Jones’SportsnautChicken Bao: Delicious Recipes Worth CookingFamily ProofCheese Crostini: Delicious Recipes Worth CookingFamily Proof John Dunne National Express drives forward after strong quarter Show Comments ▼ whatsappcenter_img whatsapp Friday 17 December 2010 3:02 am Ad Unmute by Taboolaby TaboolaSponsored LinksSponsored LinksPromoted LinksPromoted LinksYou May LikeMisterStoryWoman Files For Divorce After Seeing This Photo – Can You See Why?MisterStoryUndoTotal PastThe Ingenious Reason There Are No Mosquitoes At Disney WorldTotal PastUndoSerendipity TimesInside Coco Chanel’s Eerily Abandoned Mansion Frozen In TimeSerendipity TimesUndoBrake For ItThe Most Worthless Cars Ever MadeBrake For ItUndoBetterBe20 Stunning Female AthletesBetterBeUndomoneycougar.comThis Proves The Osmonds Weren’t So Innocentmoneycougar.comUndoDefinitionDesi Arnaz Kept This Hidden Throughout The Filming of ‘I Love Lucy’DefinitionUndoAlphaCute30 Rules That All “Hells Angels” Have To FollowAlphaCuteUndoTaonga: The Island FarmThe Most Relaxing Farm Game of 2021. No InstallTaonga: The Island FarmUndo Share last_img read more

Safaricom Limited ( HY2014 Interim Report

first_imgSafaricom Limited ( listed on the Nairobi Securities Exchange under the Technology sector has released it’s 2014 interim results for the half year.For more information about Safaricom Limited ( reports, abridged reports, interim earnings results and earnings presentations, visit the Safaricom Limited ( company page on AfricanFinancials.Document: Safaricom Limited (  2014 interim results for the half year.Company ProfileSafaricom Limited is an integrated telecommunications company in Kenya providing mobile, fixed voice, data, SMS, Internet and M-PESA services. The company sells mobile phones and tablets as well as broadband modems and routers. It also offers its customers data bundles for pre- and post-paid customers; pre- and post-paid voice plans and SMS services for national and international roaming; Okoa Jahazi for emergency top-up credit; and Flex plans for browsing, calling and SMSing. Bonga Points is a customer loyalty programme and M-PESA is a mobile telephone service to deposit, transfer and withdraw money as well as pay for goods and services. Other services offered include website and email, calling and cloud and hosting services. Safaricom Limited’s head office is in Nairobi, Kenya. Safaricom Limited is listed on the Nairobi Securities Exchangelast_img read more

Afinitas Limited ( 2018 Annual Report

first_imgAfinitas Limited ( listed on the Botswana Stock Exchange under the Investment sector has released it’s 2018 annual report.For more information about Afinitas Limited ( reports, abridged reports, interim earnings results and earnings presentations, visit the Afinitas Limited ( company page on AfricanFinancials.Document: Afinitas Limited (  2018 annual report.Company ProfileAfinitas Limited, list on the Botswana Stock Exchange, is a pan-African investment holding company which operates in three sectors; event management, financial services and asset management. Afinitas Limited is a subsidiary of GCH Investments Limited. Afinitas Limited is an asset management company which provides seed capital for new business development in Botswana. The company is accredited by the Botswana International Financial Services Center (IFSC). Africa Events Limited is a specialist events management division which owns the rights to the Africa Financial Services Investment Conference (AFSIC). This event is held annually in London and is attended by a diverse spectrum of investors, dealmakers and financial services companies that target and service the African continent. Ethiopia Investments Limited is a permanent capital vehicle which was established by EQOS Global, a business process outsourcing company based in Addis Ababa which owns investments and develops new business in Ethiopia.last_img read more

Francesco Ambrogetti joins Management Centre

first_imgFrancesco Ambrogetti has been appointed by not-for-profit consultancy and training providerThe Management Centre (‘=mc’) as Senior Fundraising Consultant. He will be responsible for the expansion of the agency’s services in international fundraising, coordinating its partners in Asia, Australasia, Latin America and the US to ensure a joined-up approach to fundraising for international NGO clients.Ambrogetti has over 15 years international experience in strategic fundraising, managing and consulting for various charities, international organisations, World Bank and the EU.He joins =mc from UNICEF, where he was Fundraising Manager for Latin America and Caribbean. During his time there he was instrumental in growing fundraising income by 40% and in establishing the Venture Philanthropic Fund for Children, which aims to raise US$250 million over the next five years.Ambrogetti said of his appointment: “It’s a unique opportunity to innovate and cross-fertilise fundraising techniques internationally, whilst helping international NGOs tap into the most lucrative fundraising markets for their causes.” AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThis Howard Lake | 9 September 2008 | News About Howard Lake Howard Lake is a digital fundraising entrepreneur. Publisher of UK Fundraising, the world’s first web resource for professional fundraisers, since 1994. Trainer and consultant in digital fundraising. Founder of Fundraising Camp and co-founder of Researching massive growth in giving. Tagged with: Consulting & Agencies Recruitment / people Francesco Ambrogetti joins Management Centre  35 total views,  1 views today AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThislast_img read more

Sign the petition! Hands off Jalil Muntaqim!

first_imgFinally, after 49 years in prison, Black revolutionary Jalil Muntaqim was released on parole Oct. 7. On Oct 18, he turned 69.On Oct. 30, however, a new warrant was issued for his arrest!His crime? Attempting to register to vote. Under New York State law, parolees cannot vote until they are discharged from parole. The Rochester, N.Y., Republican Party is clamoring to send Muntaqim back to prison.Sign the petition to support Jalil Muntaqim here!Jalil Muntaqim, photo by Bryan Shih FacebookTwitterWhatsAppEmailPrintMoreShare thisFacebookTwitterWhatsAppEmailPrintMoreShare thislast_img read more

Bill Containing Relief for Derecho Impacted Farmers Becomes Law

first_img SHARE Facebook Twitter The year-end legislative package includes tax relief for anyone in presidentially declared disaster areas, including those impacted by the August derecho.The Disaster Tax Relief Act of 2020 was signed into law by President Donald Trump as part of the Consolidated Appropriations Act.The bipartisan bill removes penalties on early withdrawals from retirement accounts, provides a tax credit for employee retention during business interruption, and encourages charitable giving to affected areas by suspending limits on deductions for certain contributions.Additionally, the legislation creates special rules for qualified disaster-related personal casualty losses. The bill also allows low-income workers to use their previous year’s income to claim certain tax credits, ensuring that they do not lose access to the credits or receive a lower amount.The bill was introduced by Sens. Chuck Grassley and Joni Ernst (R-Iowa) in September after touring the damage following the historic derecho and meeting with local leaders and nonprofits. Home Indiana Agriculture News Bill Containing Relief for Derecho Impacted Farmers Becomes Law Facebook Twitter By NAFB News Service – Jan 5, 2021 Bill Containing Relief for Derecho Impacted Farmers Becomes Law SHARE Previous articleINFB Health Plans to Cover Covid-19 VaccinesNext articlePrice Rally Bumps Farmer Sentiment as 2020 Ended and Indiana Will Be Dry the Next Week on the HAT Wednesday Podcast NAFB News Servicelast_img read more

Hathaway-Sycamores Shows Off Recently Restored Highland Park Historic Home

first_imgEVENTS & ENTERTAINMENT | FOOD & DRINK | THE ARTS | REAL ESTATE | HOME & GARDEN | WELLNESS | SOCIAL SCENE | GETAWAYS | PARENTS & KIDS First Heatwave Expected Next Week More Cool Stuff Your email address will not be published. Required fields are marked * HerbeautyNutritional Strategies To Ease AnxietyHerbeautyHerbeautyHerbeautyThe Most Heartwarming Moments Between Father And DaughterHerbeautyHerbeautyHerbeautyShort On Time? 10-Minute Workouts Are Just What You NeedHerbeautyHerbeautyHerbeauty10 Brutally Honest Reasons Why You’re Still SingleHerbeautyHerbeautyHerbeautyThis Trend Looks Kind Of Cool!HerbeautyHerbeautyHerbeauty8 Yoga Poses To Overcome Stress And AnxietyHerbeautyHerbeauty Pasadena Will Allow Vaccinated People to Go Without Masks in Most Settings Starting on Tuesday Community News 15 recommended0 commentsShareShareTweetSharePin it Subscribe Over 200 guests spent Thursday evening touring and learning the history of Hathaway-Sycamores Child and Family Services’ recently restored, eye-catching Craftsman home located at 840 N. Ave. 66 in Highland Park. The 110-year-old structure – which was designated Historic-Cultural Monument #411 in 1989 – today houses clinicians and program personnel for the agency’s Highland Park Family Resource Center which provides free educational, therapeutic and other support services to area children, teens and families.The well-attended event showcased the results of a yearlong renovation designed to make needed repairs as well as restore many of nearly 6,500-sq.-ft. structure’s original features, including: stained glass windows (created in 1905 by The Judson Studios, which also restored the windows); period-appropriate copper screens were added to the windows; stone fireplace (repairs and restoration of the fireplace – which features rocks from the Arroyo Seco River – were completed by Silverlake Conservation); kitchen (installation of new Marmoleum flooring); interior walls were painted in period-appropriate colors; original light fixtures were rewired, repaired, and restored; and pecan flooring was restored throughout the house.In addition to a tour of the house – which was built alongside the Arroyo Seco River by prominent local architect Robert Edmund Williams – guests were given a tour of the Family Resource Center’s Learning Lab. The Learning Lab – which serves area students ages 6 to 18 – provides a safe place to study after school, including access to computers and printers. Open Monday through Thursday from 3 p.m. to 7:30 p.m. and on Saturdays from 10:30 a.m. to 4 p.m., Learning Lab personnel also provide tutoring, SAT prep, and assistance completing college applications. Nineteen local public schools refer students to the Family Resource Center, and it is the only free resource of its kind in the Northeast Los Angeles community. Currently there are over 500 kids on the waiting list to get into the after-school tutoring program.Area high school students who have taken advantage of the Family Resource Center’s tutoring, SAT prep, and college-application assistance have earned acceptance – often accompanied by full-ride scholarships – at Ivy League and other top-rated universities. In 2013-2014, 24 high school seniors received $1.7 million in scholarships. In recent years these have included Harvard University, Massachusetts Institute of Technology, Stanford University, Brown University, University of California (Los Angeles, Irvine, Berkeley) and the University of Southern California. Additionally, teens who completed the Center’s SAT prep course boosted their SAT scores by more than 150 points, and students who received tutoring improved their grades by at least one letter grade and – in some instances – two letter grades.The two-story, boulder-based home was acquired by Hathaway-Sycamores in 1928 and over the years has been used for several purposes, including as an orphanage, a residential-care facility, and most recently for clinical and program personnel for Family Resource Center staff. Attendees to the open house not only learned about the structure’s history, but also had the opportunity to bid on colorful, unique paintings created by area students who participated in an innovative art-instruction program offered at the Family Resource Center last spring. Make a commentcenter_img Name (required)  Mail (required) (not be published)  Website  Gatherings Hathaway-Sycamores Shows Off Recently Restored Highland Park Historic Home STAFF REPORTS Published on Tuesday, March 17, 2015 | 5:00 pm Get our daily Pasadena newspaper in your email box. Free.Get all the latest Pasadena news, more than 10 fresh stories daily, 7 days a week at 7 a.m. Top of the News Community News Pasadena’s ‘626 Day’ Aims to Celebrate City, Boost Local Economy faithfernandez More » ShareTweetShare on Google+Pin on PinterestSend with WhatsApp,Virtual Schools PasadenaHomes Solve Community/Gov/Pub SafetyPASADENA EVENTS & ACTIVITIES CALENDARClick here for Movie Showtimes Business News Home of the Week: Unique Pasadena Home Located on Madeline Drive, Pasadenalast_img read more

West, Southwest Lead Sales of New Single-family Homes

first_img Servicers Navigate the Post-Pandemic World 2 days ago Demand Propels Home Prices Upward 2 days ago Previous: The Changing Demographics of Homebuyers Next: Home Price Growth Hits a Milestone in February Related Articles builders Buyers Census Bureau Genworth Home Prices Homes HOUSING HUD LendingTree New Home Sales Sales Single-Family Homes 2018-04-24 Radhika Ojha New home sales for single-family houses rose 4 percent in March, according to the latest data released by the Census Bureau and the U.S. Department of Housing and Urban Development on Tuesday. The data indicated that 694,000 new single-family homes were sold in March compared to 667,000 in the prior month. Sales of new homes rose on a year-over-year basis too, recording an 8.8 percent increase over the 638,000 homes sold in March 2017.According to Tian Liu, Chief Economist at Genworth Mortgage Insurance a high demand for younger home buyers fueled the sale of new homes in March. “Demand from younger homebuyers is especially strong, and strong home price growth has provided a favorable environment for pricing,” Liu said. Apart from rising demand from younger homebuyers, an average weak price was one of the key factors that fueled the rise in sales. “Prices have weakened as high priced homes are back down to 16 percent of sales, the lowest since October,” said Tendayi Kapfidze, Chief Economist at LendingTree. “In December sales above $500,000 were 24 percent of sales, the highest proportion since the sales price breakout began in 2002. This was due to buyers purchasing in anticipation of the tax plan curtailing the mortgage deduction on high balance mortgages.”The data also showed differences in how regional markets performed. While the West and Southwest showed a jump in sales, the Northeastern region showed very weak sales activity. “Sales fell 54.8 percent in the Northeast to the lowest level since April 2015. The monthly decline was the third largest on record since the series began in 1973,” Kapfidze said. “While the weather was unfavorable, it is not a sufficient explanation for the decrease which is likely a data problem.”“We expect new home sales activity to remain strong, especially along the west coast and in the Southwest, which has seen significant homebuilding activities in the past few months,” Liu said.According to the data, the sale inventory for new homes at the end of March was at 301,000 representing a supply of 5.2 months at the current sales rate. But will this be enough to keep home sales on their upward trajectory? “The question is how fast can home builders build to meet the demand, and whether there is more focus on affordable homes,” Liu said.“An increase of 28.3 percent month over month brought sales in the West to the highest level since December 2006. Low inventory is a particular challenge in the West and continuation of this trend would be encouraging,” Kapfidze said.  Print This Post Demand Propels Home Prices Upward 2 days ago The Best Markets For Residential Property Investors 2 days ago in Daily Dose, Featured, Market Studies, News About Author: Radhika Ojha Tagged with: builders Buyers Census Bureau Genworth Home Prices Homes HOUSING HUD LendingTree New Home Sales Sales Single-Family Homes April 24, 2018 2,150 Views Radhika Ojha is an independent writer and copy-editor, and a reporter for DS News. She is a graduate of the University of Pune, India, where she received her B.A. in Commerce with a concentration in Accounting and Marketing and an M.A. in Mass Communication. Upon completion of her masters degree, Ojha worked at a national English daily publication in India (The Indian Express) where she was a staff writer in the cultural and arts features section. Ojha, also worked as Principal Correspondent at HT Media Ltd and at Honeywell as an executive in corporate communications. She and her husband currently reside in Houston, Texas. center_img The Week Ahead: Nearing the Forbearance Exit 2 days ago Share Save Servicers Navigate the Post-Pandemic World 2 days ago Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Home / Daily Dose / West, Southwest Lead Sales of New Single-family Homes Sign up for DS News Daily The Best Markets For Residential Property Investors 2 days ago West, Southwest Lead Sales of New Single-family Homes Data Provider Black Knight to Acquire Top of Mind 2 days ago Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Data Provider Black Knight to Acquire Top of Mind 2 days ago Subscribelast_img read more

Treasury Department Releases Plans for GSE Reform

first_imgHome / Daily Dose / Treasury Department Releases Plans for GSE Reform Share 1Save Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Tagged with: Fannie Mae FHFA Freddie Mac reform About Author: Mike Albanese Seth Welborn is a Reporter for DS News and MReport. A graduate of Harding University, he has covered numerous topics across the real estate and default servicing industries. Additionally, he has written B2B marketing copy for Dallas-based companies such as AT&T. An East Texas Native, he also works part-time as a photographer. Demand Propels Home Prices Upward 2 days ago The U.S. Department of the Treasury released Thursday its plan to reform the housing finance system. According to the department, the Treasury Housing Reform Plan consists of a series of recommended legislative administrative reforms aimed to “protect American taxpayers against future bailouts,” preserve the 30-year-fixed-rate mortgage, and help guide Americans toward the path to homeownership. “The Trump Administration is committed to promoting much needed reforms to the housing finance system that will protect taxpayers and help Americans who want to buy a home,” said U.S. Treasury Secretary Steven T. Mnuchin in a release by the department. “An effective and efficient Federal housing finance system will also meaningfully contribute to the continued economic growth under this Administration.”   Fannie Mae and Freddie Mac suffered significant losses due to their structural flaws and lack of sufficient oversight during the financial crisis of 2008. The GSEs received more than $190 billion from the Treasury Department. In response to today’s announcement, Fannie Mae issued the following statement: “We are reviewing today’s announcement. We appreciate the Administration putting forward a housing finance reform plan. As always, we are committed to being as helpful as possible to policymakers as they consider the future of the GSEs and housing finance. We remain focused on providing market liquidity, serving our customers, and addressing America’s housing needs.”President Donald Trump issued a Presidential Memorandum on March 27, 2019, directing the Secretary of the Treasury to develop a plan to address the “last unfinished business of the financial crisis.” “As a direct result of the Trump Administration’s pro-growth policies, unemployment is at 50-year low and American families are earning higher incomes and enjoying more opportunities than seemed possible just a few years ago,” said Secretary of Housing and Urban Development Ben Carson in a release. “There is still one piece of unfinished business from the financial crisis: housing finance reform. These changes to our housing finance system will help more American families achieve their dream of owning a home.”The release states that the Treasury Housing Reform Plan includes around 50 recommended legislative and administrative reforms, defining a limited role for the Federal Government in the housing finance system. Sources confirmed to DS News the announcement of the plans earlier Thursday. Sources noted that they expected the announcement to be light on detail, but consistent with the Trump administration’s previously discussed plans for the GSEs. Also, one source said it is doubtful that this plan would actually end conservatorship by the end of Trump’s presidency. The 44-page document released by the Department of the Treasury Thursday was developed in conjunction with the Federal Housing Finance Agency, the Department of Housing and Urban Development, and other government agencies. U.S. Senator Mike Crapo (R-Idaho), and Chairman of the U.S. Senate Committee on Banking, Housing and Urban Affairs, said he released a housing finance reform outline aimed to fix the “flawed housing system,” by establishing stronger levels of taxpayer protection, preserve the 30-year-fixed-rate mortgage, and increase competition among mortgage guarantors and promoting access to affordable housing.”The Treasury Department’s report makes many legislative recommendations that are consistent with my outline by attracting private capital back into the market, protecting taxpayers against bailouts and promoting competition,” Crapo said. “My preference is to fix the housing finance system through legislation and I look forward to working with all of my colleagues as we move forward.  At the same time, it is important for the Administration to begin moving forward on key administrative reforms outlined in the Treasury Department and HUD reports.  Fannie Mae and Freddie Mac contributed to the housing bubble and subsequent crash and are too big to fail.  Eleven years after being bailed out and put into conservatorship, it is time to make the hard decisions and strengthen our housing finance system.”Mark Calabria, FHFA Director, said he applauds the Treasury’s effort for comprehensive finance reform. He added these plans are an important step toward meaningful, lasting housing finance reform.”After nearly 11 years, ending the conservatorships of Fannie Mae and Freddie Mac is now a top priority for this Administration and the FHFA,” Calabria said. “I look forward to working with the Administration and Congress to chart a path forward that achieves the following objectives: Creating a competitive mortgage market with a limited government role; ensuring taxpayers never again have to rescue Fannie Mae and Freddie Mac; and paving the way for sustainable and affordable housing for homeowners across America.”The plan states that the housing finance system is in “serious need of reform.”“The GSEs remain in conservatorship more than 10 years after the financial crisis, and they continue to be the dominant participants in the housing finance system,” the Treasury Department’s plan states. “Although they remain critical to the functioning of that system, they are not yet subject to capital and other regulatory requirements tailored to the risks they pose to financial stability.  This lack of reform has left taxpayers exposed to future bailouts.”Among the legislative reforms listed, the plan states the existing government support of each GSE under its Senior Preferred Stock Purchase Agreement with the Treasury should be replaced with an “explicit, paid-for guarantee” backed by the Federal Government limited to the timely payment of principal and interest on qualifying MBS. It also states that the guarantors should be supervised and regulated by the FHFA. The plan also states the Treasury expects that it will “necessary” to maintain limited and tailored government support for the GSEs by leaving the PSPA commitment in place after the conservatorship. “The Federal Government should be compensated for its continued support through the periodic commitment fee, as originally established by the PSPAs,” the plan says. Plans have been in the works for months, as Reuters reported earlier this year that a The Trump administration’s plan for Fannie Mae and Freddie Mac would likely be released in September. The U.S. Treasury put plans for the GSEs on hold as it dealt with other issues. Previous: Affordability Issues Extend to Low-Cost Areas Next: The Long-Term Impact of Foreclosure in Daily Dose, Featured, Government, News, Secondary Market About Author: Seth Welborn Servicers Navigate the Post-Pandemic World 2 days ago The Week Ahead: Nearing the Forbearance Exit 2 days ago Data Provider Black Knight to Acquire Top of Mind 2 days ago Related Articles The Best Markets For Residential Property Investors 2 days ago Mike Albanese is a reporter for DS News and MReport. He is a University of Alabama graduate with a degree in journalism and a minor in communications. He has worked for publications—both print and online—covering numerous beats. A Connecticut native, Albanese currently resides in Lewisville. Data Provider Black Knight to Acquire Top of Mind 2 days ago Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Treasury Department Releases Plans for GSE Reform Demand Propels Home Prices Upward 2 days ago Sign up for DS News Daily Servicers Navigate the Post-Pandemic World 2 days ago  Print This Post The Best Markets For Residential Property Investors 2 days ago September 5, 2019 6,711 Views Fannie Mae FHFA Freddie Mac reform 2019-09-05 Seth Welborn Subscribelast_img read more

Five Star Prepares to Honor 2019 Keystones Recipients

first_img On September 25, the mortgage and housing industry’s women business leaders will be recognized and honored at The Keystones—the 2019 Women in Housing Leadership Awards.Hosted during the 16th annual Five Star Conference and Expo, the Keystones will be presented in five categories. The finalists for each category of these awards were chosen from a list of hundreds of nominations received from across the industry.RISING BUSINESS LEADER AWARDRecognizing individuals who, while still early in their careers, have demonstrated an outstanding capability to lead and drive progress.Nicole BoothVP of Public Policy, Quicken Loans Nicole Booth describes herself as a “believer in utilizing technology to educate, offer services, and bridge communities.” She has worked for Quicken Loans for the past seven-plus years, starting her time with the company as a Government Affairs Associate. She is responsible for aiding and overseeing Quicken Loans’ public policy planning and advocacy agenda.Skilled in federal and state policy analysis, politics, legislation, public speaking, messaging complicated issues, strategic plans, coalition building, and public policy, Booth maintains a focus on “what lies at the corner of the mortgage industry and technology, including general fintech, consumer choice and experience, remote online notarization, eClosing, blockchain, telecommunications, and data privacy and security.”Amanda Horvath, Product Manager of One Reverse Mortgage, told MReport that Booth has a passion for financial ease, access, and education for all. “She utilizes policy to advance the digital mortgage experience through direct impact on eClosings and privacy,” Horvath said of Booth. She added that Booth has been elected by peers to leadership boards because of her drive for fintech and reputation for advocacy execution.Emily ChavarriagaGovernment Loan Servicing Default Operations Manager, Bayview Loan ServicingChavarriaga was the recipient of the ALFN’s Junior Professional & Executives Group Picture the Future Award, given annually to 12 young professionals. She has also partnered with the Enterprise Optimization Team (EOT) in developing and deploying the first robotic process automation (RPA) to Bayview.“Using software with artificial intelligence and machine-learning capabilities, the EOT team and I went on to create an additional six bots that completely changed the landscape of the Government Servicing Claims Department, ensuring lower operational risk, improved internal processes, and reduction of cost,” Chavarriaga told MReport. Chavarriaga said that one important lesson she has learned over the course of her career is that strong employees are not necessarily defined by “polished resumes and perfect bullet points.”“Some of the hardest workers I employed were the ones who did not have the benefit of top-tier schooling but who were hungry for change and opportunity. The financial industry introduced me to a different atmosphere and culture—one that would prepare me for my later position in mortgage banking.”Gina DayaAVP of Foreclosure, Fay Servicing, LLC Gina Daya said watching one of her direct reports use an old methodology spurred her to think of a way to more effectively complete that task. The implementation of this new procedure is what Daya called her proudest career achievement.“It was such a rush to come to work and see my direct reports thriving with the new process, something I helped develop,” Daya said.Daya’s most important career lesson came from one of the most tragic moments in her life: the passing of her father, five years ago.“I lost my father, but I also lost my career advisor, my cheerleader, and my mentor, all in one. I had always worked hard but I didn’t have a real sense of purpose or direction of what I wanted to do in life,” she said.She was forced to come out of her element and face challenges she never imagined.“We rarely unlock our true potential unless we are challenged with some kind of obstacle or are forced to overcome what seems impossible,” Daya said. “If it wasn’t for that event, I definitely would not be where I am today.”Keena NewmarkManaging Attorney – Bankruptcy, Padgett Law GroupWhen reflecting on her own career path so far, Keena Newmark recalled a moment that happened during a recent diversity and inclusion panel on which she was a participant. During the panel, an attorney she had hired out of law school singled her out as a strong influence and inspiration on his own career.“He spoke about my impact on his professional development and specifically how seeing a black woman rising in the industry [helped build] a foundation for his own success, where he hasn’t felt limited by boundaries and ceilings,” Newmark said. “I have a passion for empowerment, so it makes me extremely proud to know I have had an impact that I hope will continue to be paid forward.”Newmark added that it is important to recognize that everyone has a gift, and that it is her “professional responsibility and privilege” to harness each individual’s talents and gifts. She said she wants to challenge her employees to strive for a constant state of improvement, not falling back on what is easy and comfortable.Tomaneci Waller-DayDirector, Office of Inclusive Engagement, Employees and Suppliers, Freddie MacThe most important lesson Tomaneci Waller-Day has learned is that “you can’t do anything alone.” She said she owes her success to her colleagues within Freddie Mac’s Office of Inclusive Engagement at Freddie Mac.“They bring the mission and vision of our initiatives to life,” she said. “I believe that, as leaders, our role is to ensure that advocates and champions supporting our efforts have room to fail fast, learn, try again, and keep moving forward as leaders themselves. My leadership is not just ideation and direction; on the contrary, I roll up my sleeves and get to work—my team values this support.”Waller-Day created Freddie Mac’s first diverse supplier development program called the Vendor Academy. The program helps diverse suppliers learn how to do business with Freddie Mac and how to grow their business with other financial services companies.“My team and I continue to improve the program by using human-centered design principles, exploring case studies, and evaluating suppliers’ responses to ‘mock’ RFP’s.”THE CULTURAL LEADER AWARDHonoring industry leaders who have successfully fostered forward-thinking company cultures and workplaces through corporate strategies and initiatives that have led to tangible, positive outcomes for colleagues company-wide and beyond (minimum 10 years’ consecutive industry experience).Karen AbramSVP, PennyMac Loan ServicesKaren Abram said, no matter where you come from, culture is the key element that brings people together. According to Abram, it’s a matter of connecting one’s personal values with those of the organization, and when employees’ values align with the company’s, “there’s a natural connection.”“I help to bridge that connection by influencing those day-to-day behaviors that support and align with our company’s core values,” Abram continued. “Through implementing various culture events, recognition programs, and employee-engagement activities, our employees have embraced what our culture stands for—accountable, reliable, and ethical behavior.”Abram hosts monthly executive meetings not only to discuss culture-related events, but also to review their organization’s performance, which is measured through a quarterly culture governance scorecard that highlights employee-engagement metrics. She also credits the success of the cultural efforts to her team that she says has “as much creativity and passion” for wanting to make PennyMac a great place to work for.The most important lesson she has learned is that the people she works with are her family. “Your job should feel like home,” she said.Sarah BatanganCOO, First Guaranty Mortgage CorporationSarah Batangan told MReport that the implementation of bold strategies and investing in other people have helped her raise the bar throughout her career, and at First Guaranty Mortgage Corporation (FGMC). She added that positive outcomes have come from improving customer experience and impacting the bottom line.“By taking advantage of technology, community, and partnership opportunities, I have reduced operational costs by over 50% at FGMC and 40-50% in previous positions,” she said. “I have also led a marketing team to design and carry out a successful digital strategy that has lowered our lead generation costs and strengthened our brand impact.”She said one of the most important lessons learned during her career is to stay true to who you are.“If I didn’t have a strong sense of identity and hadn’t done exactly what I did over the last 30 years, I would not be in the position I am today. I have consistently made choices that align with my values and set expectations that pushed me and my teams to reach greatness because of my integrity. With the power of attraction,” she said, “the possibilities are endless.”Deborah Garcia-GratacosPresident and CEO, DEVAL LLC The housing sector is filled with challenges and problems, but Deborah Garcia-Gratacos told MReport that policy and government funding presents many opportunities to tackle these challenges with the goal of improving the lives of many.“This is the motivational foundation of our firm: to continue improving the quality of life of beneficiaries and their living conditions,” she said.Garcia-Gratacos believes that it is critical that companies look for innovative ways to think ahead as to how the company can continue improving living conditions and quality of life. Key to that vision of progress is a commitment to maintaining a diverse workforce that represents a wide range of experience and backgrounds, factors that will allow a company to better understand and approach the needs of homeowners.“In the end, housing is not about real estate; it is about people,” she said.When confronted with difficulties or discouraging moments throughout her career, Garcia-Gratacos said the best approach to move forward is “remembering your goals, dreams, and motivations, which refocuses your efforts towards the path you want to go and the matter at hand.”Sally Elizabeth GarrisonManaging Member, The Mortgage Law FirmFor Sally Garrison, the most important goal is being of service to her colleagues. She said there is “no greater compliment” than having peers ask for her help.“I am proudest of those colleagues who have grown alongside me, and I can see little ways in which they have internalized something I have taught them,” Garrison said. “Nothing beats the feeling of helping others grow. At the end of the day, we are all on the same team. When they shine, we all shine.”Garrison added that she helps foster a forward-thinking company by studying. She reads articles and watches lectures on the topic, and then tries to incorporate the insights she takes away from this material into her daily life. Garrison said that you “have to live the lessons” and be authentic to resonate with people.Garrison said some of her most important career lessons include being kind to everyone you meet, accepting that there is more than one way to be right, and learning that “vulnerability takes courage.”Tammy Chree WellsVP, CitigroupTammy Chree Wells said that her career of nearly two decades has prepared her for current role at Citigroup, as she has learned to embrace change in an evolving environment of increased regulatory standards.Of those experiences, the most important, Wells said, are self-confidence and remaining open-minded. Self confidence, she said, taught her to speak up when things were wrong, and now she teaches young women professionals to do the same through mentorship. Wells also participates in external activities to build women’s self-esteem by collecting professional attire to help prepare them for the workforce.“Having worked in many positions has introduced me to new people, cultures, and a new way of thinking,” Wells said. “I’ve learned to open up my mind to new ideas and set aside beliefs that hindered my growth from my childhood that I carried into my adulthood. I encourage people to embrace change and set aside narrow-minded ways of thinking.”THE COMMUNITY LEADERSHIP AWARDCelebrating those who have successfully broken barriers and helped lead the charge in developing diverse workplace cultures by fostering inclusive and welcoming environments for people of every color, creed, and gender to prosper and achieve over adversity (minimum 10 years’ consecutive industry experience).Sue CarrionDirector, Default Servicing, Ocwen Financial CorporationSue Carrion lead the Ocwen Global Women’s Network for Ocwen Financial Corporation, an affinity group with the mission of supporting the recruitment, development, and retention of women across the organization. In this capacity, she helped facilitate events such as negotiation workshops, self-defense classes, networking events, leadership classes, executive panels, and team-building exercises, while also supporting local businesses. Carrion also coordinated the facilitation of events, such as “Women in Distress of Broward County,” “Dress for Success West Palm Beach,” “Locks of Love West Palm Beach,” and “Chef for a Day.”“Being able to help people in need within the community is always fulfilling. I feel grateful for all the opportunities and resources available in my life and love sharing it with others. I feel proud when I see the Ocwen Global Women’s Network come together and donate their time and resources to help organizations make a difference in our community,” Carrion said.She added that it is important to be your authentic self, as teams appreciate and trust leaders who are authentic and genuine, “regardless if they fit into the perceived mold of what a leader in corporate American should be.”Yvette GilmoreVP, Single-Family Servicer Relationship and Performance Management, Freddie MacYvette Gilmore said that in her 10 years at the helm of Freddie Mac’s mortgage-servicing efforts, beginning with the Great Recession, she is proud to have played a role in more than 1.2 million homeowners being able to avoid foreclosure and stay in their homes.“I continue to speak with borrowers in their hometowns, participate in community and city town hall meetings, and regularly meet with Federal Housing Finance Agency leadership to ensure the important work we do to keep people in their homes is recognized and continues,” she said.Overall, though, Gilmore said she is most proud of the more than 1,200 “dedicated” Freddie Mac servicers across the country who have helped preserve homeownership across the nation.Gilmore said the most important thing is that she has learned is having the ability to take risks.“We must ensure that we have the correct line of sight into the end impact of what we’re working on for our servicers by facilitating an innovative and evolving change to the servicing industry to, ultimately, better serve the borrower,” Gilmore said.Marcia J. GriffinFounder and President, HomeFree-USAMarcia Griffin told MReport that her greatest contribution to her community has been empathy, outreach, and results. Empathy, she said, is critical so the industry can better understand the needs and the challenges of her customers—lenders and homebuyers.“We try to give them what we feel they want, not what we want,” Griffin said. “My leadership is shown in our dedication to targeted outreach because we have to go out to the populations that we want to serve with a message that will resonate with them.”Griffin said being results-oriented is key, as nothing happens “unless we make it happen.”Her proudest achievement is assisting more than 8,000 people—mostly African-Americans—to buy a home that they can keep.“We have a group of people who are dedicated, who are smart, who are about business, and who live and embody the culture that we stand for, and that culture is one that bridges financial success and homeownership for people of color.”Tracey Marie NaranjoForeclosure Supervisor, Carrington Mortgage Services, LLCTracey Marie Naranjo has been an active leader in local communities, spearheading events and fundraisers and keeping others aware of ways they can help. She has volunteered at foster centers, juvenile detention centers, underrepresented scholar programs, special education programs, special olympics, evacuation shelters, and charity events helping wounded soldiers. She has also led fundraisers to raise money for supplies at foster care centers, troops overseas, families, cancer patients, and domestic violence shelters.Naranjo said her proudest achievement is the success of those she has helped.“The impact you can make on one’s life by simply listening, motivating, and encouraging goes beyond any monetary success,” she said. “When you are able to see the life of one person change simply because your lives crossed paths is amazing.”Naranjo added the biggest lessons she has learned throughout her career has been to “walk the talk,” and “give credit where it’s due.”Gina WestManager, Community Relations, Fannie MaeGina West believes strongly in creating a positive employee culture that provides opportunities to support the diverse interests and needs of the workforce. West said that during her six years at Fannie Mae, she has helped develop community-impact programs that enable employees to participate “wherever they are in their careers and regardless of where they are located.”These programs include virtual volunteerism opportunities, nonprofit board training for employees of all levels, and a post-disaster home rebuild deployment program, which is open to and brings together employees.During her time at Fannie Mae, she is most proud of creating 7 Days to SERVE, the annual week of volunteer service that has “reinvigorated” Fannie mae’s culture of service and brings employees together. Participation in the program grew from 18% in 2013 to 51% this year.West said she worked to establish the Fannie Mae Employee Relief Fund for an employee who lost their home in flood in 2017. Since its inception, the program has raised close to $100,000 to provide support for employees.THE DIVERSITY & INCLUSION AWARDCelebrating those who have successfully broken barriers and helped lead the charge in developing diverse workplace cultures by fostering inclusive and welcoming environments for people of every color, creed, and gender to prosper and achieve over adversity (minimum 10 years’ consecutive industry experience).Sherry GrazianoSVP, Mortgage Transformation, SunTrustSherry Graziano said one truth that remains constant, no matter her role, is that diversity is strength.“Diversity and inclusion in the workforce is the secret weapon that inspires new creative ideas, fresh thinking, and a better workplace culture,” Graziano said. “As the Mortgage Transformation officer, I recognize that it’s that diverse-inspired thinking that gives us access to fresh ideas that can transform our business.”Graziano supports numerous minority, women, and LGBTA Teammate Network efforts, and has also conducted enterprise training on professional development. Graziano also designed a new loan officer training program that targeted some of the most diverse schools, hoping to bring some of that talent into SunTrust.The most important less that Graziano can share is to “find what you are passionate about and remain obsessed.”“You have to be intentional with what you want and fight for what you believe in,” she said. “In the corporate world, there are sometimes so many competing priorities it’s not always clear how best to invest your energy. My suggestion is something I learned early on from my sons’ baseball games: never take your eye off of the ball.”Lisa HaynesSVP, Chief Financial Officer, and Chief Diversity and Inclusion Officer, Mortgage Bankers Association Lisa Haynes said diversity and inclusion plays a vital role in the creation of “belonging” within an organization. However, for diversity and inclusion to be seamless, it has to be a “natural part of the culture.”“It has to be who we are as a company,” she said. “Diversity without inclusion doesn’t get to the heart of the issue—inclusion must be taken one more step—belonging.”Haynes added that research shows that companies with diverse senior leadership, diverse board, and diverse teams make better decisions, are more innovative, build better products, and often have higher revenue.Haynes said promoting diversity and inclusion differs for each company, as what works for some, may not work for others. She noted the MBA has its diversity and inclusion awards program where member companies are recognized for promoting diversity and inclusion.“[Diversity and inclusion] is about changing the culture and creating environments where there are differing views at that table.”Nisa Reyes HowardEVP, Director of Compliance, PrimeLendingNisa Reyes-Howard said that, over the past two decades, she has worked to ensure that people “representing every walk of life” have fair access to homeownership. In her role at PrimeLending, she is responsible for the company’s Fair Lending program, which monitors market conditions and dedicates additional support resources to areas that could benefit from minority lending.“My team has not only introduced Spanish loan documentation but also offered third-party translation services to all loan originators to help expand the company’s minority lending program. As a result of these efforts, PrimeLending has hired more Spanish-speaking originators, opening the door to homeownership for many first-time buyers,” Reyes-Howard said.One of her favorite terms to share with her team is API, which stands for Assume Positive Intent.“Check your ego at the door and choose to build relationships with each other based on trust, respect, and a commitment to finding win-win outcomes. Organizations are made up of diverse individuals with vastly different talents and experiences,” she said.Ingrid JaschokSVP, Servicing Operational Support, Mr. CooperIngrid Jaschok said she has a responsibility to be open and transparent about not only who she is as female, but also as a member of the LGBTQ community. She said this has been a priority for her since her time at Kent State, where she was an active member of the Gay and Lesbian Association. She also helped establish Mr. Cooper’s first gay pride group and served as its first president.“Mr. Cooper Pride, with several hundred members, has changed the way our team members look at diversity and inclusion,” she said.Jaschok leads training and awareness campaigns to further educate Mr. Cooper on the challenges and successes in the LGBTQ community.“As one of the first women to become an SVP in the servicing organization here at Mr. Cooper, I recognized an opportunity to serve as a role model for women in breaking the glass ceilings that have long existed in our industry,” she said. “Within my own organization, I push my team to improve not only the customer experience but also the experience for their team members around them,” she said.Liliana C.A. NigrelliChief Compliance Officer, Churchill MortgageLiliana Nigrelli told MReport that diversity helps provide companies within the mortgage industry with employees who represent society as a whole. She said it is vital that industry leaders must recognize diversity begins with recruitment.“While every organization wants to hire the best candidates based on skills and experience, diversity must remain a priority throughout the recruitment process,” Nigrelli said. “Companies who recognize this are more successful because of the increased efficiency, employee engagement, and customer service a diverse talent pool provides.”Additionally, creating a culture of inclusivity is essential to improve employee retention, Nigrelli said, as working to foster a consistent culture that values “fresh ideas” team members bring to the table will attract more diverse talent.“By hiring and working with people of diverse experiences and abilities—whether it be physical disability, nationality, religion, age, gender, employees with young children, sexual orientation, or sexual identity—we have been able to incorporate different ways of thinking and perspectives. We are able to solve problems more effectively and create new processes by tapping into these unique viewpoints each employee brings.”THE LAURIE A. MAGGIANO LEGACY AWARDNamed in honor of the late industry icon whose distinguished and accomplished career left an indelible impact on housing, this award recognizes those women who through their tireless efforts, collaboration, and ingenuity have powerfully influenced the industry and homeownership nationwide (minimum 20 years’ industry experience).Caren CastleSenior Mortgage Servicing Attorney, The Wolf FirmCaren Castle said she hopes that she has played a role in changing the thought process of being a female attorney and creating a “easier path” for the women who followed her. She said her career has been filled with many firsts: the first partner of a multi-state law firm; the first female president of the USFN; and first female chairperson of the Legal League 100 Advisory Board, to name a few.But for Castle, she is most proud that she has maintained the respect of her colleagues and peers.“I remember when one of my son’s teachers was explaining to him that he should protect his reputation, as you only get one and it’s not easy to earn, but very easy to lose,” she said. “I’ve tried to live by those words. Learn from your mistakes, learn from your past, but always look forward.”She added, “The friendships and relationships that I have built over 35-year career have helped to sustain me,” Castle said. “They have been instrumental in helping me weather the lows and have certainly helped me obtain the highs. I am proud of my accomplishments old, new, and those yet to come.”Elonda CrockettVP Operations Shared Services, Fannie MaeMentorship and volunteerism are critical to Elonda Crockett because, as she puts it, “time is a precious commodity.” For Crockett, much of that time is spent at community service activities geared toward women, mentoring students of historically black colleges and universities, and sponsoring diversity and inclusion groups with Fannie Mae.However, she said she believes she is at her best when working with young women who are on the cusp of building and planning for their futures.“I enjoy working with college students and recent graduates,” Crockett said. “They are at the beginning of their careers and are so eager. Mentoring allows me to introduce students to the housing finance industry—many of whom may not otherwise consider a career in financial services.”Crockett said dedicating her time makes it possible to share her experiences as a female executive and increase inclusion within the industry. She said she mentors because, “I want students to be armed with knowledge to ask the right questions and make informed career choices.“I want them to see someone who looks like them succeeding—and to understand that it’s not an anomaly, but an achievable reality,” she said.Ali HaralsonChief Business Development Officer, Auction.comAli Haralson said her success as a business owner earlier in her career is one of her proudest achievements. Being an entrepreneur gave her the ability to build every part of the organization, deciding how best to work toward a diverse employee culture.“The most gratifying aspect has been the job creation, coaching and witnessing the growth of more than 1,400 employees,” she said. “Together, we achieved over $50 billion in servicing. In addition, I led the design of programs resulting in tens of thousands of loss mitigation alternatives to foreclosure, meaning that distressed homeowners stayed in their homes.”During her time at, she has helped the company create products such as Portfolio Interact and Bid Interact, which help sellers make education decisions and change the process of bid acceptance. She added that she is also proud of expanding’s community involvement by working directly with organizations that support housing, neighborhoods, and veterans.The most important lesson she has learned, she said, is to embrace authenticity in both herself and others.“Authenticity unlocks employee strengths, enriches your workforce, and gives you the wherewithal to succeed beyond the status quo,” she said.Caroline ReavesCEO, Mortgage Contracting ServicesCaroline Reaves said she is in awe of the barriers that have been knocked down during her 34-year career in the industry.“My journey hasn’t always been an easy one. I’ve encountered a few influential people in our industry who didn’t believe a woman was capable of leading a business,” Reaves said. “But I’ve also been blessed to have worked with some phenomenal leaders who encouraged me to pursue my dreams.”Reaves said she has the opportunity to provide the same support for women and minorities who are working to grow their careers and advance our industry.“I couldn’t be more proud of the leaders we’ve grown here at MCS. Our executive team is a diverse group of men and women that represents a variety of life experiences and skillsets. Several of these leaders started with MCS as entry-level employees, and it’s been amazing to watch them grow within our business.”“Don’t be afraid to take a step back and look at how you’re leading,” Reaves told MReport. “Great leaders adapt and grow, and to do that you have to be willing to be honest with yourself about where you are today.”Carla WisePresident Residential Servicing, Freedom Mortgage Corporation Carla Wise said it is important to she instills in others the desire to always do your best, be determined, and always strive to be better. She encourages leaders to lead with honesty, integrity, and to lead by example.“I’ve learned that, even after 34 years in the mortgage servicing industry, I still learn something new almost everyday,” Wise said. “I’ve learned that it all matters, that my personal reputation is more important than any paycheck. We all benefit from the help of a mentor and those who assist us along the way.”Wise said her proudest achievements is being approached by others in leadership roles in mortgage servicing. She said she is “delighted” to know her actions have helped others and improve their lives.She said her career did not go as planned, because “I could not have dreamed of anything so amazing.”“I grew up in low-income rental housing. Hard work and training have allowed me to have a career and life that I could not have ever imagined,” Wise said. “The mere fact that my name is on a page next to Laurie Maggiano and the other amazing women who are nominees means so very much.”2019 Keystone NomineesThe following professionals were nominated by colleagues, peers, and employers for being champions of women in the industry, as well as for the dedication they take in their roles. Though our selection committee had the arduous task of selecting only 25 finalists from the impressive list of nominations that came in, we would be remiss if we didn’t honor and recognize the full list of women lauded by the industryKatie Ahrens-Starr, Claims Manager, Rutledge Claims Management Inc.Sarah Andrews, VP, Strategic Partnerships, Auction.comKaren Bellezza, EVP, Ranieri SolutionsWhitney Blessington, VP of Marketing, Churchill MortgageRhiannon Bolen, Regional Sales Director, Mortgage Capital Trading, Inc.Amanda Buffington Gunderson, VP Marketing and Business Relations, McMichael Taylor & Gray, LLCFeng Cheng, Multifamily Pricing & Securitization Senior, Freddie MacKawanna Coppage, SVP of Loan Administration, Caliber Home LoansAngela DeAro, SVP Servicing, PennyMac Loan ServicesSonia Dixon, President, MCH of Rockland Inc.Sandy F. Donsky, ABR, CRS, SRESTerry DuVarney, SVP, Loan Administration, PennyMacMaria Evans, VP – Sustainable Communities Partnership and Innovation Initiative, Fannie MaeAnnu Farwah, Product Owner, Fannie MaeLaura Ferris, EVP, ALTA Residential SolutionsJennifer Folk, SVP, National Fulfillment and Operations SupportJane Gershman, Chief of Staff, First Guaranty Mortgage CorporationAubrey Gilmore, VP & COO, Rutledge Claims Management Inc.Dana Gross, SVP, Head of Human Resources, Consolidated AnalyticsMonica Hadley,  VP, Foreclosure, Carrington Mortgage Services LLCLora Helt, VP Business Development, AltisourceBalenda Hetzel, Regional Production Manager, Inlanta Mortgage Inc.Cornelia Horner, COO and Interim CEO, American Land Title AssociationNancy Jardini, SVP and Chief Compliance and Ethics Officer, Fannie MaeShaquiyyah Jenkins, Broker, Domain Real EstateKaren Jez, VP & Human Resources Leader, Fannie MaeDena Jones, Director of Project Management, Integrated Technology Solutions, Fannie MaeNeenu Kainth, SVP, Digital Product Management and Labs, Mr. CooperKathy Keller, Division Production Manager, Planet Home LendingChristine Kilmer, Product Owner, Fannie MaeNancy Kowalik, Broker/ Owner, Nancy Kowalik Real Estate GroupLisa Lee, Shareholder, KML Law GroupSharron Levine, Director, Office of Minority & Women Inclusion, Federal Housing Finance AgencySuzy Lindblom, EVP, National Operations, Planet Home LendingNatasha Mathews, Foreclosure Analyst Team Lead, Carrington mortgage Services, LLCRayman Mathoda, CEO, XomeDanielle McCoy, VP and Fair Lending Officer, Fannie MaeKristin McGovern, Director, Government Relations Attorney, Fannie MaeJennifer McGuinness, Co-Founder, Head of Aggregation and Structured Finance, Mortgage Venture PartnersLeslie Meaux, VP and Senior Advisor, Office of Issuer and Portfolio Management, Ginnie MaeStephanie Milner, Director, Capital Markets, Fannie MaeBethany Ockerman, VP of Operations, Mortgage Contracting ServicesAndrea Oh, Policy Adviser, Mortgage Bankers AssociationLola Oyewole, VP Human Resources and Chief Diversity & Inclusion Officer, OcwenJaya Prasad, Director of Internal Communications, Fannie MaeMarie Presti, Owner/Broker, The Presti GroupDoris Raimundi, SVP of Mortgage Servicing Quality Control, US BankDawn Robinson, SVP Regional Production Manager, PrimeLendingDenise Sandoval, EVP Compliance, PennyMacKay Schinker, COO, LOGSLisa M. Schreiber, SVP of Correspondent Lending, NewRez LLCHattie Sharp, VP Strategic Performance Management & Business Development, Auction.comJessica Sharp, AVP, Mr. CooperDebra Still, President and CEO, Pulte Financial ServicesKatherine Sylvie Walker, General Counsel, Trustee CorpsAJ Thomas, VP, People & Culture, Auction.comKrystal Thomas, Government Program Specialist, Mortgage Bankers AssociationCindy Tucker, President of Oregon Division and SVP and Regional Manager for WFG’s Washington Direct Operations, WFG National Title Insurance CompanyMichelle Watson, Single-Family Digital Products Director, Fannie MaeBrandi West, Attorney Performance Manager, Quicken LoansCharee Wheeler, VP NW Operations,  LendUSBriana Whelan, Director of Product, SnapdocsDaphane Womack, Non-Technical Project Manager III, Fannie MaeRamie Word, SVP Servicing Operations, Mr. CooperErica Wuckovich, Manager of Project Management Enterprise Data, Fannie MaeMarissa M. Yaker, Managing Attorney of Foreclosure, Padgett Law Group Keystones WIH Women in Housing 2019-09-19 Seth Welborn Demand Propels Home Prices Upward 2 days ago Demand Propels Home Prices Upward 2 days ago Previous: Industry Veterans Collaborate to Form Insight One Financial Next: The Industry Pulse: Updates on Total Expert, a360inc, and More Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Subscribe The Week Ahead: Nearing the Forbearance Exit 2 days ago Data Provider Black Knight to Acquire Top of Mind 2 days ago Related Articles September 19, 2019 2,902 Views Sign up for DS News Daily The Best Markets For Residential Property Investors 2 days ago Tagged with: Keystones WIH Women in Housingcenter_img Servicers Navigate the Post-Pandemic World 2 days ago Share Save The Best Markets For Residential Property Investors 2 days ago Home / Daily Dose / Five Star Prepares to Honor 2019 Keystones Recipients Seth Welborn is a Reporter for DS News and MReport. A graduate of Harding University, he has covered numerous topics across the real estate and default servicing industries. Additionally, he has written B2B marketing copy for Dallas-based companies such as AT&T. An East Texas Native, he also works part-time as a photographer. in Daily Dose, Featured, Market Studies, News Data Provider Black Knight to Acquire Top of Mind 2 days ago Five Star Prepares to Honor 2019 Keystones Recipients About Author: Seth Welborn Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Servicers Navigate the Post-Pandemic World 2 days ago  Print This Postlast_img read more