2025 Schedule at a Glance

Thursday, February 27, 2025

8:00 am – 9:00 am: Breakfast, and Exhibit Hall Networking

9:00 am – 9:45 am: Concurrent Educational Sessions

10:00 am – 10:45 am: Concurrent Educational Sessions

10:45 am – 11:30 am: Exhibit Hall Networking

11:30 am – 12:15 pm: Concurrent Educational Sessions

12:15 pm – 1:30 pm: Lunch & Exhibit Hall Networking

1:30 pm – 2:15 pm: Concurrent Educational Sessions

2:30 pm – 3:30 pm: General Session – Keynote Speaker

3:30 pm – 4:00 pm: Thousands of Dollars in Cash & Prize Giveaways

4:00 pm: Show Concludes

Breakout Session

Cybersecurity and Data Privacy Considerations in the Age of Emerging Technology

Presented by John V. Levonick

This will be an in-depth exploration of cybersecurity and data privacy considerations in the age of emerging technology. This comprehensive session will examine the unique challenges faced by federally chartered banks, state-chartered banks, non-bank financial institutions, and their third-party service providers as they navigate the complex intersection of innovation and regulation. This presentation will address critical aspects of technology risk management, regulatory expectations across different jurisdictional frameworks, and practical implementation strategies. Special attention will be paid to the intricate relationships between financial institutions and their technology service providers, including regulatory requirements, contractual obligations, and risk management frameworks. Attendees will gain valuable insights into current regulatory requirements, emerging trends, and best practices for managing cybersecurity and privacy risks while leveraging new technologies. Perfect for compliance officers, risk managers, technology officers, legal professionals, and service provider executives working in or with the financial services industry.

Breakout Session

Expand Your Lending Potential with TPO Go

Join TPO Go, a leading wholesale residential lender, at the Northeast Mortgage Summit for an exclusive 45-minute breakout session focused on “Expanding Inventory and Closing More Loans with Renovation Lending.”

With over 35 years of experience, TPO Go is a direct seller to Fannie Mae and Freddie Mac, a direct issuer to Ginnie Mae, and a trusted provider of specialized loan programs, including VA Renovation, 203k, and renovation solutions from Fannie Mae and Freddie Mac. We also offer USDA loans, Chenoa assistance, and a proprietary first-time homebuyer program with special incentives for our partners.

What You’ll Learn:

• How renovation loans can expand inventory and create new opportunities for your borrowers.
• Expert strategies for integrating renovation programs like VA Renovation, 203k, and HomeStyle into your business model.
• Practical tips for marketing renovation loans and positioning them as a game-changing solution in today’s market.

Breakout Session

Adopting a Winning Mindset: A Simple Dose of Perspective Can Change Your Life

Presented by Steve Grandizio

In Adopting a Winning Mindset: How a Simple Dose of Perspective Could Change Your Life, Steve shares powerful personal stories that illustrate how embracing a positive mindset can transform even the toughest challenges into opportunities for growth. From a young woman’s courageous decision to give her baby up for adoption to his own life-threatening battle with a heart infection, Steve emphasizes the importance of living in the present, seizing opportunities, and finding the good in every situation. This talk is a call to action to embrace a winning mindset that can truly change your life.

Keynote Session

MULTI-DIMENSIONAL CONNECTIVITY Transformative Insights From Top TED Talks

Presented by Steve Richman

• Getting what you want while serving the bigger purpose.
• Adopting the single most common trait shared by successful individuals.
• Implement a results-oriented work environment for multi-dimensional positions.
• Transform stress from a hindrance into a catalyst for growth, health and success.
• Connect to enhance collaboration, productivity, and overall well-being.
• Unlock the secrets to defeating procrastination and embracing productivity.

Keynote Session

What’s Ahead for Mortgage Professionals in 2025: Trends, Challenges, and Opportunities

Presented by Rob Chrisman and Robbie Chrisman

As the mortgage industry continues to evolve, staying ahead of emerging trends is critical for success in 2025 and beyond. This session will offer insights into the future landscape for lenders, originators, brokers, and other mortgage professionals across New England. Rob will explore the latest regulatory changes, technological advancements, and market shifts shaping the industry. Key topics will include the impact of artificial intelligence and automation on loan origination, the evolving role of brokers and originators in a competitive market, and strategies for navigating potential economic challenges, including interest rate fluctuations and housing supply constraints.

Attendees will walk away with actionable strategies to adapt to these changes, seize new opportunities, and position themselves for success in the rapidly changing mortgage environment. This session is a must-attend for anyone looking to stay competitive and future-ready in 2025.

Keynote Session

What to Expect from the Consumer Financial Protection Bureau

Presented by Kevin Stevens

Kevin will cover Bureau priorities with respect to the mortgage market along with supervisory highlights. What has been happening and is on tap with regards to Rules & Policy, Compliance and Enforcement. With a new administration having begun, what might be in flux.

Keynote Session

Are You Smarter Than a Fraudster?

Presented by MaryKay Scully

This interactive course will test the participants knowledge on mortgage fraud trends and schemes.  It will educate participants on the red flags that alert you to potential fraud and the tools available to help you combat fraud.

Breakout Session 

Credit Reporting and Agencies

Presented by Steve Roberts (more panelists to come)

• Credit scores vs FICO scores
• What goes into the FICO scores
• How to build credit
• How to address negative items
• The NEW scoring models lenders will use
• Upcoming changes in the FICO scores
• How Trending Data can impact the scores

Panel Discussion

Mind the Generation Gap: Marketing & Serving Boomers, Gen X, Millennials, and Gen Z in the Mortgage World

Presented by Julie Baril, Gaetano Ciambriello, James McLoughlin, Bill Schettler, and Kelly Turner

Do you know how to connect with four generations of homebuyers? From Boomers to Gen X, Millennials to Gen Z, this session unpacks what makes each group tick in today’s housing market. Dive into key housing stats and trends—like how Gen X holds the most home equity, Millennials are dominating first-time purchases, and Gen Z is entering the market faster than expected—to understand what drives their decisions. Learn how to adjust your marketing strategies, refine your communication styles, and deliver a flawless customer experience. Whether it’s Boomers who value trust and expertise, Gen Xers who want data with clarity, or Gen Z who expects personalized advice on a platform they actually use, we’ve got the insights to help you bridge the generational gap!

New England Legislative Panel

Legislative Updates & Emerging Regulations: What Mortgage Professionals Need to Know

Panel: Sara Cabral, Lawrence Garfinkel, William Kooper, and Debra Sousa

As the mortgage industry continues to evolve, staying informed about the latest legislative developments and regulatory changes is essential for maintaining compliance and adapting to market shifts. This session will provide mortgage professionals—both residential and commercial—with an in-depth look at key legislative updates and potential upcoming rules that could impact the way business is conducted in 2025 and beyond.

Attendees will receive expert insights into recent federal and state-level legislative changes, including new consumer protection laws, changes to lending practices, and modifications to industry oversight that could shape the future of mortgage lending. The session will also cover proposed regulations in the pipeline, such as updates to Fair Lending practices, changes to the Qualified Mortgage (QM) rules, and evolving standards for commercial real estate financing.

Key Takeaways:

1. 1. Overview of Recent Legislative Developments:

A breakdown of recent laws and regulations passed at the federal and state levels, with a focus on their implications for residential and commercial lenders.

1. 2. Upcoming Regulatory Changes:

A preview of proposed rule changes from key regulatory bodies such as the Consumer Financial Protection Bureau (CFPB), the Department of Housing and Urban Development (HUD), and the Federal Reserve, and what they mean for mortgage professionals.

1. 3. Compliance Challenges & Risk Mitigation:

Practical advice on how to stay compliant in the face of shifting regulatory landscapes, with specific attention to evolving requirements for disclosures, underwriting, and servicing practices.

1. 4. Impact on Residential and Commercial Lenders:

A discussion on how different regulations may impact residential versus commercial lending, including new requirements for appraisal practices, environmental concerns, and the treatment of non-performing loans.

1. 5. Best Practices for Staying Ahead of Regulatory Changes:

Tools, resources, and strategies for monitoring legislative updates and ensuring your business stays ahead of potential risks.

This session will be a vital resource for mortgage professionals who need to understand the regulatory environment and how to prepare for upcoming changes that may affect their day-to-day operations, profitability, and risk management strategies. Whether you’re in residential, commercial, or a combination of both sectors, this session will ensure you’re equipped to navigate the evolving landscape of mortgage regulations with confidence.