The Mortgage Lender - January / February 2020 
President's Report

From the President's Desk
By: Denya Macaluso, 2020 MMLA President
2020: Continue the inclusivity charge!
As I was thinking about MMLA in 2020 and what I want to focus on, I go all the way back to a ‘broker listening lunch’ we had in February of 2019, where our intent was to ensure all mortgage professionals have a voice, a sense of belonging and find value in the Michigan Mortgage Lenders Association. So, I want to continue with the inclusivity charge into next year and beyond.
We are not realtors – we are not one size fit all. We are mortgage industry professionals, mortgage brokers, wholesale, correspondent and secondary lenders. We are big banks, we are regional, community banks. We are Credit Unions, big and small.
Take this a step further – we are officers, operations, leaders, sales representatives, account executives, appraisers, title partners, insurance agents, affordable housing and PMI partners.
We need each other to continue the fight for homeownership. I just read an article this week estimating over 8.3 Million first time home buyers will be purchasing a home between 2020 and 2022. And, if rates stay relatively low as Freddie Mac is predicting for the next 2 years, we may continue with our current repurchasing wave (yes, I know it’s called refinancing).
We must continue to be relevant, valuable, proactive and evolving with the needs of our members. We also need to be the voice for homeowners across the state of Michigan. I am honored to walk with this organization through the next year as your State President and continue to listen to our members, keeping top of mind: education, legislation, advocacy, sales and networking!
That is what is so great about this association – the more members, the louder our voice, the stronger we are!
Here is to an incredible 2020! Thank you all for contributing to the MMLA!
Education Committee News

Education Committee Update
Audrey Acquisti, MMLA Education Consultant
MSource Training & Consulting
All attention this month should be planning to attend the MMLA's Annual Sales Symposium - March 11 in Novi!!! Consider sponsoring and exhibiting as well!

Get the motivation and information you need to for the Spring Sales Season to take your production to the next level. Plan on arriving early to enjoy some refreshments and talk to the companies in the expo area that can offer you tools and products to boost your sales. Join more than 250 expected attendees at this event!
Cost is just $69 each for all attendees. Groups of 5 are just $300, so invite your team!!
Speakers Include:
"Becoming a Shredfluencer: The Art of Creating a Loyal Audience"
Tammy Butler, Master CMB
"Zero to 20 Million in a Year – How “New” Top- Producing Originators Dominated Their Market "
Other great speakers are planned as well. Go to this page for all the details and to register yoru sales team now!!

Don't forget about our e-Learning Center Page. Here you will find all the latest info from regulators and indsutry news in 1 place. Bookmark it for quick reference. If you have news to post on this page, send to [email protected]
mPower 2020

2020: Envision Your Success
March 24, 2020
Detroit Athletic Club, Detroit
Be Inspired. Be Informed. Be mPowered!
You are invited to the first-ever mPower event in Michigan! This will be a huge event with 200+ attendees expected! It will be a half-day with networking, lunch, nationally recognized motivational keynote speaker, followed by a dynamic industry leadership panel. Make your plans now to attend and invite your team!
Spotlight your company by being a sponsor of this great event! Your company will be noticed around the country for participating. Use your marketing dollars to get noticed while supporting this powerful MBA platform.
Check back to the MMLA website soon for and watch your email and social media for more information and to register!
Membership and PR Committee
The MMLA Membership & PR Committee
Allison Johnston CMB, Chairperson
Success Mortgage Partners
We have had an amazing 2019! GO TEAM MMLA!!!!! The membership committee is so excited for all the new opportunities for 2020! If you are interested in joining a fun, dynamic, energetic team, please let us know. We are always looking for new team members! Our goal for 2020 is continue to grow our membership, educate our members on all the events, and ensure our members are seeing the benefits. Look forward to amazing things to come from the membership committee in 2020!
Would you like to join the Membership/PR Committee? If so, please send me an email so we can add you to our team. We meet by phone monthly...we would love to have you involved!


Capital Markets Manager
Success Mortgage Partners, Inc.
Welcome New Members!
MMLA Welcomes These New Members:
| First Name | Last Name | Company Name | Chapter Location |
| Mark | St. Germain | Goosehead Insurance - St.Germain Agency | West |
| Julie | Tighe | Team Mortgage | West |
| Stacy | Stinson | GreenStone Farm Credit Services | Mid |
| Lindsey | Rieth | Lake Michigan Credit Union | West |
| Noel | Watts | Lake Michigan Credit Union | West |
| Trent | Dalrymple | Texana Bank Mortgage | Southeast |
| Kathy | Hardy | Equity Solutions, Inc. | Southeast |
| Christina | Rumsey | The Huntington National Bank | West |
| Lynn | Slaton | Equity Solutions, Inc. | Southeast |
| Julia | Yunanova | Success Mortgage Partners, Inc. | Southeast |
| Jennifer | Siler | The Huntington National Bank | West |
| Jaime | Sottile | The Huntington National Bank | West |
| Heidi | Sottovia | The Huntington National Bank | Southeast |
| Kristin | VanderMyde | The Huntington National Bank | West |
| Lesley | Alli | Home Point Financial Corporation | Southeast |
| Jaren | Sasaki | Flagstar Bank | Southeast |
| Helene | Dimitroff | Independent Bank | Southeast |
| Kyle | Leemon | Lake Michigan Credit Union | Mid |
| Lori | Maeder | The Huntington National Bank | Southeast Chapter |
| Joe | Migliaccio | Mortgage 1, Inc. | Southeast |
| Michael | Chan | SimpleNexus | All |
| Rick | Davis | Equity Solutions | SE, West, Mid |
| Kaileigh | Hershberger | Equity Solutions | Southeast |
| Leslie | Peck | Equity Solutions | Mid, SE, West |
| Angela | Curtis | The Huntington National Bank | Southeast |
| Teresa | Ferman | Ross Mortgage Corp. | Southeast |
| Juan | Herrera | VanDyk Mortgage Corporation | West |
| Liz | Barnicle | MERSCORP Holdings, Inc. | Southeast |
| Chris | McEntee | MERSCORP Holdings, Inc. | Southeast |
| Amy | Moses | MERSCORP Holdings, Inc. |
Southeas |
MMLA Welcomes These New Corporate Partners:
Platinum:
Gold: 
Bronze: ![]()
President's Club:
Legislative & MORBANPAC Committee News
MORBANPAC Update
by: Todd Potter, CMB
2020 MORBANPAC Chairman
2020, just like 2018, will be an impactful year regarding the political landscape for the State of Michigan – AND WE NEED YOUR PARTICIPATION. Last year, MORBANPAC received $12,687 in contributions from 25 of our members combined with 50-50 contributions during chapter events. In 2020, we will need a more balanced commitment from our members to reach our $35,000 goal. In the next few weeks, you will receive details of a couple initiatives we plan to introduce to our members so that we can reach our goal for 2020. Pay it forward everyone.
Every Member...Every Year. To make your contribution to MORBANPAC today, and to learn more about it, click here
Annual Lending Conference
Annual Lending Conference Update
by: Katrina Cole, Chairperson
Make your plans now to attend the MLa's biggest and best event of the year - the Annual Lending Conference.. It will be held August 12 - 14 at the Amway Grand Hotel and Conference Center in Grand Rapids, MI.
We already have some great speakers confirmed and are working on getting the full line-up finalized soon. We have some great fun "extra" events planned too. We will also have a "educaiton only" registration option so you can invite your staff for the day of meetings! Stay tuned for more updates coming to your email and our webiste!
Volunteer

Thank you to all who have signed up to participate on the following MMLA Committees. Volunteering is a very rewarding experience and will add value to your membership. We have Committees for Lending Conference, Education, Membership/PR, Independent Mortgage Professionals, as well as monthly luncheons, holiday parties, Social events and golf outings at the local level. Pick a committee that is of interest to you and get involved today. You will be glad you did. Click here for more info.
Mid Chapter News
Mid Chapter MMLA President's Corner
Melissa Cole, 2020 President
It’s been a great end to 2019 for the Mid Chapter! We held our holiday party at High Caliber Go-karting. Lots of fun was had by all, including axe throwing and a competitive round of go karting. Thank you to all who donated a toy to the Child and Family Services. Along with the toys, over $170 was donated to Child and Family Services from our raffle giveaway as well.
The Mid Chapter would enjoy seeing everyone at our January 8th event to support our 2020 MMLA President, Denya Macaluso. The luncheon is being held at Beggars Banquet, East Lansing. Come and hear Denya talk about her MMLA goals and answer any questions from the group. Our February 12th event will be joint with WCR at Reno’s East Lansing. More details about this networking event will be coming out soon.
Photos from the Holiday Party: (sorry the pics are sideways!!)

See the Mid Chapter Leadership Team and Chapter Partners
SE Chapter News
SE Chapter MMLA President's Corner
Dawn Burdick
SE Chapter Vice President
New Year! New You!
I couldn’t be more excited about our industry events in 2020! The planning has begun and the MMLA is starting the year off with some great events. Check them out here https://mmla.net/meetinginfo.php?p_or_f=f. Come on back to this page often and watch your email for notifications as we continue to fill up our calendar with the hottest industry events! Our Leadership Committee looks forward to collaborating with our industry affiliations and partners to bring added value to our network! Back by popular demand, planning for Top Golf with the Women’s Council of REALTORS networks, is underway! Stay tuned for details.
January is a great time to start something new! Do you have a strong desire to help plan our future industry meetings and events? Contact SE Chapter President Paula Rosneck ([email protected]) or myself ([email protected]) for more information! The Leadership Team would love your support and input in preparing for our annual meetings and events.
Let’s raise the bar and grow together in 2020!

Join us for this luncheon on Thursday, February 13 - 11:30 a.m. - 1:30 p.m.
Maggiano's Little Italy
2089 W Big Beaver Rd
Troy, MI 48084
$30 per member and $40 per non-member
Click here for all the details and to register!
SE Golf Committee
Steve Scheel, Chairperson
The SE Chapter Golf outing is always a great event and we look to continue and grow that tradition in 2020! The initial planning has already started and the outing scheduled for the first week in June.
We are looking for additional volunteers to help with various aspects of the event and will take all the help we can get. Please reach out to Steve via email at [email protected] if you are interested and available to help with this great event.
Hit ‘em straight!
Photos from Holiday festivities:




See the SE Chapter Leadership Team and Chapter Partners
West Chapter News
West Chapter President's Update
by: Kate McDougall
2020 West Chapter President
The West Chapter capped off 2019 with a successful Holiday party. The food was good and the company fantastic! We were able to raise enough funds to donate to our charity, Family Promise, $5000.00 toward the purchase of new home for a homeless family here in the West Michigan area! How exciting for us, who work to help people achieve and thrive with the goal of home ownership to help put a deserving family in a home of their own and help them on their way!
This year we have employed West Chapter Ambassadors. These are members of the lending community that are looking to become more involved with the MMLA and one day take on a leadership role. Our ambassadors will be registering attendees at each event, be “super conductors” at each meeting as well as spreading the word and helping to increase membership.
We are looking forward to a prosperous and fun 2020!
Attend the West Chapter Breakfast to hear Sales Coach, John Doorn, speak about how to change your mindset and grow your sales!
John has been selling Real Estate for over 27 years and has always been one of the top agents his area. A former board member at Calvary Church, Freedom in motion, and founding member and Chairperson at Mars Hill Bible Church. John is a Coach to Realtors, loan officers, insurance agents, and Business professionals. As a professionally trained and experienced coach, John has the tools and experience to help create the life you have envisioned.
Thursday, January 23 from 9:00 - 10:30 a.m.
Watermark Country Club
5500 Cascade Rd SE
Grand Rapids, MI 49546
$25 per member and $35 per non-member
Click here for all the details and to register.
Some pics from the Holiday Party:


