This is a past event. To see the list of our current events, please click  HERE
9:50 AM - 10:10 AM Eastern Time
Explore the Hubb Platform

Finish setting up your Hubb profile, peruse the exhibit hall, schedule one on one meetings, connect with sponsoring firms, sign up for one-on-one video meetings through meetaway and more!

10:00 AM - 10:40 AM Eastern Time
Educating The Market & Starting (Or Re-Starting) Your Non-QM Program

(Pre-conference small group meeting)

Attend this interactive session and find out what are the attributes you need to understand before you sell the Non-QM product? How do you see technology playing into originator education? What are the differences from a year ago? In this small group meeting you will have the opportunity to have these questions answered plus those pressing questions you want to know that will get you back in the Non-QM grove.

Derek Long


Lisa Schreiber

LSK Consultants
10:20 AM - 10:40 AM Eastern Time
Exhibition Hall Opens & Networking Begins

Take some time to connect with your industry peers and learn more about the products and services that could transform your business, by visiting the exhibit hall and exploring the virtual booths on display.

*A note on timings: we want you to stay engaged with the content we have to offer today from our superb speaker faculty.  Recognizing that a virtual conference is consumed differently, we want to enable you all to grab coffees, snacks, check emails and, dare we say, tend to children (!), therefore each panel includes a 15 minute buffer at its conclusion to allow you to take those breathers, stay charged and ready to go.

10:40 AM - 11:25 AM Eastern Time
Non-QM Market Overview and the Impact & Key Details of the Sunrise of Seasoned Non-QM/Extension Of The Patch?

•How much and quality of loan activity is currently in the Non-QM market vs. pre-covid?  What are your expectations going forward in-lieu of current unemployment, challenges of those self-employment and vaccinations?
• What are the basic proposed requirements and effective dates for the General QM Final Rule and Seasoned QM? 
• Credit review vs. compliance review
• When will a loan need to be originated to be eligible?
• How long is the seasoning and how forgiving are the regulations on late payments?
• Ability to pay drivers
• How many loans are there in forbearance by category? Does taking government-sanctioned forbearance disqualify a loan from qualifying?
• Can a creditor assist in keeping a loan current?
• Can you securitize after the loan qualifies for a seasoned loan?
• How much equity will an owner need to have to qualify?

Jack Kahan

Senior Managing Director, RMBS

Steve vonBerg

Buckley LLP

Marty Young

Vice President
Goldman Sachs

Caroline Chen

Amherst Pierpoint Securities LLC

Bryan Filkey

Chief Strategy Officer
Interfirst Mortgage Company
11:25 AM - 11:55 AM Eastern Time
Exhibit Hall Networking Break and Roundtable Discussions

Join The Mortgage Acquisition Corporation and LoanPass in their booths for interactive roundtable discussions on a variety of topics. To join a roundtable, simply visit a sponsor's booth and click 'Join Live Meeting Room'. Click 'Afternoon Break & Networking Roundtables' to see sponsors and topics.

“Get a Loan Quote Today: OO and NOO, 1sts and 2ds, Low FICOs and other challenging loan types.” -The Mortgage Acquisition Corp.

“The unique technology challenges of growing your NonQM business”- Loan Pass

11:55 AM - 12:55 PM Track A
Non-QM Origination Hot Products, Increasing Production Revenue & Technology To Increase Efficiency

• Underwriting credit standards, assessing ability to pay & improving borrower metrics:
• Are you looking for more information from the borrower? 
• Cash out refis and are refis going from Non-QM to QM or vice versa
• Comparisons with pre-cycle products: Low doc, jumbo loans, shared appreciation/equity products, interest only and ARMs • Underwriting foreigner activity  
• Bank statement products: How many months? Coverage ratios
• Geographic concentration… A concern?
• Fix & flip, small apartment buildings and commercial non-QM
• Advantages of establishing a private money lending relationship

Rick Soukoulis

CEO & Founder

Aaron Samples

Chief Executive Officer

Christine Yan

Fitch Ratings

Mike Ousley

EVP, Business Development
Pro Teck Valuation Intelligence

Raviv Wolfe


Kenneth Cohen

Chairman and Chief Executive Officer
The Mortgage Acquisition Corporation

George Lazaridis

President-Mortgage & CLO
Quontic bank
11:55 AM - 12:55 PM Track B
Servicing Best Practices

• What makes servicing the non-QM product unique vs. other mortgages?
• Keys to a smooth onboarding for performing and defaulted loans
• Modifications, loss mitigation, foreclosure and property preservation
• Rating the servicers
• Subservicing best practices
• Why assist customers finding insurance and other products?
• Recapture best practices
• Servicing compensation in an era of forbearance and coronavirus
• Regulations and compliance-What’s changing?
• Forbearance reporting and credit monitoring
• Advances during the delinquent period

Aaron Rykowski

SVP - Chief Compliance Officer
WesBanco Bank, Inc

Allen Price

Senior Vice President- Sales, Marketing and Client Management
BSI Financial Services

David Vida

EVP - Enterprise Sales Leader
Computershare Loan Services

Sherri Goodman

Senior Vice-President, Contact Center Operations
Ocwen Financial Corporation

Sameh Elamawy

Chief Executive Officer
1:10 PM - 2:05 PM Track A
Finding Business: Marketing & Sourcing Non-QM Clients

• Educating the consumer
• Finding and coaching up brokers and correspondents
• Are the coronavirus online origination gains holding up?
• What should be in your marketing materials?
• Marketing cost per loan… Is that the best way to measure results?
• Recruiting loan officers
• Marketing platforms and automation technology
• Who is your target? How are you marketing to them?

Tom Hutchens

Executive Vice President of Production
Angel Oak Mortgage Solutions

Michael Kirk

Vice President of Wholesale Sales
Acra Lending

Thomas Yoon

Excelerate Capital

Paul Jones

SVP, NQM Development & Production
First Guaranty Mortgage Corporation

Chris DiCristo

Sr. VP of Alternative Lending
Tam Lending Center
1:10 PM - 2:05 PM Track B
The Changing Equation Of Loan Retention Length vs. When To Sell or Securitize

• Measuring liquidity and pricing of different Non-QM loan types
• Purchasing non-originated loans when you can’t sell self-originated loans
• Which products are buyers considering?
• The looming impact of seasoned QM
• Holding on balance sheet vs. securitization
• Reps & warranties changes
• Lender due diligence requirements
• The financing side

Robert Durden

Managing Director
Credit Suisse

Harkaran Talwar

Senior Portfolio Analyst
Angel Oak Capital

Keith Lind

Chief Executive Officer
Acra Lending

Stuart Marvin

Co-Managing Director
LendSure Mortgage Corp

Nitin Dave

Senior VP of Servicing & Agency Relations
Nationwide Mortgage Bankers, Inc

Allen Shayanfekr

CEO & Founder
2:05 PM - 2:50 PM Eastern Time
Non-QM Networking Meet-Up Powered by Meetaway

The best in class one-to-one networking via video.  Non-QM speed dating at its best.

2:50 PM - 3:35 PM Track A
Underwriting Credit Standards, Assessing Ability To Pay & Evaluating Default Risk: Are You Protecting Yourself Against A Second Wave Or Going All Out?

• How are you qualifying borrowers as their income declines? Are you giving more consideration to net worth and liquidity?
• Are you looking for more information from the borrower? Why?
• Are you evaluating the industry the borrower works in? How about cash deposit sources?
• Refi and cash out activity
• Underwriting foreigner activity
• What kind of borrower are you passing on now vs. pre-covid?  Borrowers who took forbearance? PPP?
• The jumbo part of the market
• Debt service coverage ratios
• Geographic concentration… A concern?

William Moretti

Senior Managing Director

Michael Fania

Managing Director
Annaly Capital Management

Corina Gonzalez

Senior Vice President, RMBS
DBRS Morningstar

Raj Parekh

Director of Business Development

Kristopher Martin

Executive Vice President
Oaktree Funding Corp.
2:50 PM - 3:35 PM Track B
Financing & Comparing The Cost Of Capital For Warehouse Lines vs. Loan Sale vs. Securitization vs. Outside Equity vs. Debt vs. M&A

• Warehouse advance rates: How high?
• Stated income vs. bank statement
• Documentation requirements of rating agencies 
• Are there any lessons to be learned from the CRT market?  
• Over-collateralization vs. pre-covid
• Holding on balance sheet vs. securitization
• Spreads for different credit support pieces 
• Comparing interest structures of different quality loans 
• Rating agencies, ATR and accounting for the differences in business statement credit quality
• Role of mortgage insurance
• Cost of capital

Pete Sack

Managing Director
Credit Suisse

TJ Milani


Shreyas Venkatasubramaniam


Justin Mahoney

Strategic Growth Capital Partners

Sean Johnson

Portfolio Manager
Western Asset Management Company
3:35 PM - 4:00 PM Eastern Time
Exhibit Hall Networking Break and Roundtable Discussions

Join Angel Oak and Maverick Solutions in their booths for interactive roundtable discussions on a variety of topics. To join a roundtable, simply visit a sponsor's booth and click 'Join Live Meeting Room'. Click 'Afternoon Break & Networking Roundtables' to see sponsors and topics.

"How To Best Market/Sell Non-QM" - Angel Oak
"Educating Internal Teams and External Partners for Non-QM Success" - Maverick Solutions

3:35 PM - 4:00 PM Eastern Time
Women’s Small Group Networking Meeting

Bring your virtual business cards and meet new business contacts, get re-acquainted with old colleagues and hear first-hand about the issues that are important to you in this unique forum. 

Adriana Shannon

Managing Director
CTF Asset Management

Karen Gados

Managing Partner
Pikes Peak Capital

Eloise Schmitz

CEO & Co-Founder
4:00 PM - 4:45 PM Track A
Business Purpose Loans, The Single Family Rental & Small Multifamily Lending Market

• Evaluating the fix and flip market
• Blanket loans & Cross-collateralization
• Non-owner occupied and small multifamily
• How much commercial loan concentration will a residential securitization allow?
• Underwriting, reporting and regulatory framework vs. owner-occupied products
• Rates and structures available
• Collateral types you underwrite

Justin Parker

Chief Financial Officer
RCN Capital

Paul McFadyen

Vice President-Term Lending
Asset Based Lending

Christopher Crovatto

Chief Executive Officer
Foundation CREF

Chris Boulter

Val-Chris Investments, Inc.
4:00 PM - 4:45 PM Track B
What Have You Bought Non-QM Post-Covid?: PE, Hedge Fund And Secondary Mortgage Buyers Acquisition & Due Diligence Panel

• Are you looking for more loan transparency?
• Where is spread, liquidity, performance, bids and pricing for flow, bulk and hung inventory of various non-QM products today vs. history? How much of a liquidity premium is embedded in Non-QM?
• Acquisition/disposition parameters and exit strategy
• Working with correspondents and brokers
• Reps, warranties-Any changes?
• Do you look to buy in bulk or flow?
• Trading and exit strategy for scratch and dent loans, NPLs and loans in forbearance
• Are you buying whole loans or securitized pools? Is buy and securitize your strategy?
• What are the conditions that you would ask for a buyback?  
• Step-up coupon and risk retention strategies

Jeff Naimon

Buckley LLP

Daniel Huang

Managing Director
Angel Oak Home Loans

Rishi Bansal

Chief Investment Officer

Kevin Kanouff

Statebridge Company
5:00 PM - 5:45 PM Track A
Jumbo Market Growth… Will It Continue?

• How have Jumbo loans been performing during the coronavirus period?
• Adjustable vs. fixed rate
• Investor interest
• Credit & underwriting
• High-end home market… Will the growth continue?
• Do you offer partial doc, bank statement or other non-traditional Jumbo products? What kind of LTV do you underwrite?
• What are you doing with mortgage owners who aren’t able to pay?
• Non-Bank vs. large bank offerings

Eric Hagen


David Grider

VP Northwest Division
HomeXpress Mortgage Corp

Max Sauray

VP-Senior Analyst
Moody's Investors Service

John Lynch

PCMA Private Client Lending

Rudy Orman

Director of Correspondent Sales & Product Development
Reliant Bank
5:00 PM - 5:45 PM Track B
Broker/Correspondent Executive Panel

• The key attributes when selecting a partner
• Where are your margins when you sell loans to the lender?
• What were the key education nuggets that you picked up regarding the Non-QM product that made you a believer?
• How accepting is the consumer on Non-QM? What were some of the top selling points? Necessary lessons?
• What are you looking for in a bank statement program?
• Why would you switch wholesalers? What kind of services/information do you wish your wholesaler provided?
• What do you need to know if you are entering/re-entering the business?

Andrew Stachak

Vice President
First National Bank of America

Craig Chang

1st Reliant Home Loans, Inc.

Jeffrey Lemieux

Managing Director, Correspondent Lending
Acra Lending

Jon Daurio

Nikkael Home Loans

Jeff Schaefer

Executive Vice President – Correspondent Sales
Verus Mortgage Capital
5:45 PM - 5:45 PM Eastern Time
Conference Ends
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1120 Avenue of the Americas, 6th Floor
New York, NY 10036 USA

Phone: +1 (212) 901-0506
(8:30 AM - 5:30 PM Eastern Time / Monday-Friday)


Event Contacts for Non-QM Virtual Forum


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Information Management Network - Privacy Notice

Introduction - Who we are

Euromoney Institutional Investor PLC (“Euromoney”, “we”, “us” or “our”) is an international business-information group covering asset management, price discovery, data and market intelligence, and banking and finance. The group also runs an extensive portfolio of events for the telecoms, financial and commodities markets.

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This Privacy Notice was updated on 23 May 2018

Our Approach to Your Privacy

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    Marketing materials are sent electronically, by post and we may occasionally call you.

  • Online Targeted Advertising

    We use targeted advertising on our websites to display advertisements that are relevant to what we believe are your interests. In order to deliver relevant advertisements, we use third parties to deliver cookies that collect information about your IP address and how you interact with our sites (e.g. browsing information, which articles you have read etc.). This data is used by the third parties to determine which advertisements may be of interest to you.

    We may also share your personal data with third parties to deliver targeted advertising to you on other websites (e.g. Twitter Tailored Audiences or Facebook Custom Audiences). This could include your email address, cookie data, and information obtained from third parties. Third party cookies may also be used to enable us to target advertisements to you on other websites that you visit.

  • Lead Generation and Scoring

    We occasionally use the services of trusted third parties in order to ensure that the personal data we use for advertising and marketing purposes is accurate and up-to-date. To do this, we transfer personal data of individual leads (such as name, email, job title, location and phone number) to these third parties who conduct research to verify the data – primarily against public information.

    We also use algorithmic software technology to help us improve the quality and relevance of marketing activities. The personal data analysed by the software includes email address, phone number, job title, address, purchase history and account information. This allows us to provide meaningful offers that are relevant to your specific profile.

  • Surveys, Market Research & Customer Feedback

    We want to understand the needs of our readers and customers. We may therefore use the information you provide us – including your name and contact details – to contact you to request your feedback, or to participate in our customer and market research.

  • Public forums, message boards and blogs

    Some of the pages on our group websites may include message boards, blogs or other facilities for generating content from users. Any information that is disclosed in these areas becomes public information and you should always be careful when deciding to post any personal data. User generated content is also subject to our site Terms & Conditions.

  • Business or Asset Sale

    If we sell a business or assets we may need to disclose your personal data to the prospective buyer of such business or assets.

    If Euromoney, or any of our group companies is sold or sells our assets or is acquired by a third party, then personal data about our customers will be acquired by that third party. A transfer of your personal data in these circumstances would be necessary so that the services you have contracted for can still be delivered, or so that you can continue to enjoy the benefits of our free products and services. You will receive notice if a new controller assumes responsibility for your personal data.

  • Additional Third Party Disclosures

    We may disclose your personal data to other third parties in the following situations:

    • To third party partners who help us by providing services such as technology, marketing, advisory or other services. These third parties only receive encrypted data and may only process personal data to provide those services to us.
    • Where we are required by law or regulation to do so. In each case we will seek, where practicable, to minimise the amount of data that is disclosed.
    • If required to protect the rights and interests of other users and/or Euromoney and its affiliates (including our employees, agents and contractors), or as otherwise set out in our Terms & Conditions. This may include exchanging information with other companies and organisations for the purposes of fraud protection.
  • Email Tracking

    We may include small pixel tags (small image files) within the emails we send you in order to determine whether our emails are opened and/or whether the hyperlinks inside our emails are clicked through. We may also collect browser, location and the device used to engage with our email communications. This information allows us to better understand whether we are meeting our users’ needs and how we can improve our communications. No other information is collected. You can opt out of receiving our direct marketing emails either by following the instructions in each email, or by contacting us (see the “Who We Are” section of this Privacy Notice).

International Transfers

Some of the Euromoney group companies are based outside the European Economic Area (EEA). If you have consented to being contacted by our group companies, then the transfer of your personal data will be made according to the terms of an international data sharing agreement that contains obligations approved by European data protection regulators. Any of our group companies that receive your personal data will be co-controllers of that data, which means they may determine how they process your personal data – although they may only use it for the purposes for which it was shared, unless you are informed of new or additional processing activities.

We may also transfer personal data to third party service providers as described in this Privacy Notice which are located outside the EEA. Where we conduct these transfers, we take all steps necessary to ensure that your data is treated securely and in accordance with applicable privacy legislation, either by only sending your personal data to jurisdictions that provide an adequate degree of legal protection for your data or by imposing approved contractual terms on these third parties.

Retention Periods

We have a data retention policy that ensures we don’t use or store your personal data for longer than necessary. We consider the following issues to determine retention periods:

  • Guidance from the UK Information Commissioner or other regulatory agency, or industry best practice recommendations;
  • The business rationale for collection and expiry of the purpose for which personal data was collected;
  • Our ongoing ability to ensure the accuracy of the data; and
  • Legal and regulatory requirements.

We may occasionally need to keep personal data for either shorter or longer periods than specified in our retention policy. In such circumstances, application of the retention period to the data will be temporarily suspended. The suspension of an applicable retention period will be carried out in a manner that respects the rights and interests of all persons concerned.

How You Can Set Your Data & Privacy Preferences

You can use our Preference Centre to select the topics that are of interest to you so that we can send you publications and information about our products and services that are especially relevant to you. You can also choose the channels we use to contact you (email, phone, post, etc.) and can also opt-out of receiving marketing communications.

Your Rights

You have certain rights in relation to your personal data which include the following:

  • Access & Portability

    You may request access to any personal data of yours for which Euromoney is responsible as controller. Unless there are legal or regulatory reasons for not doing so, we will confirm whether we process any of your personal data and if we do, we will provide you with the following information: the purposes of the processing, the categories of personal data, any recipients of your personal data, the applicable retention period and the data source. Copies of your personal data will be made available to you in a structured, machine-readable format.

    You may also request that we transfer the personal data that you have submitted to us, to another controller, where it is technically feasible for us to do so.

    If you have consented to our processing of your personal data, or if we are processing your personal data in order to fulfil our contractual obligations to you, then you can submit a request that we transfer your personal data to another data controller.

  • Rectification, Restriction, Objection

    You have the right to request that Euromoney rectify any errors in the personal data that we process. In some circumstances, you may also be able to ask for the erasure of personal data, and/or request that the processing of your personal data be restricted. You may also object to the processing of your personal data for sales or marketing purposes.

  • How to Exercise Your Rights

    To exercise any of these rights, please contact us by post or email at the following addresses:

    Euromoney Institutional Investor PLC
    8 Bouverie Street
    London, EC4Y 8AX
    United Kingdom


    Web form: Complete Subject Data Request Form

    We may need to check your identity prior to processing a request.

    Euromoney will do our best to respond to any questions and address any of your concerns. You are also able to register any complaints regarding the processing of your personal data directly with the UK Information Commissioner.

Protecting Your Data

Euromoney is committed to keeping your personal data secure and we will take appropriate technical and organisational measures to protect your personal data from loss, unauthorised use, disclosure or destruction. Although we do our best to protect your personal data, we cannot guarantee that any transmission of data is without risk. We have therefore implemented information security policies and rules, staff training on information security, and technical measures to ensure the integrity of data that we have under our control.

All our employees, contractors and data processors (i.e. those third parties that process personal data on our behalf) are required to keep such data confidential and not to use it for any purpose other than the performance of services we have requested.

Third Party Sites

Our site may contain links to other websites – including, for example, providers of payment processing services. Euromoney is not responsible for the privacy and data collection practices of third party sites and we therefore recommend that you review the privacy policies and terms of service of each site you visit.

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