2025 MBAA Fall Conference
Speakers
Course Description and Purpose
This 8-hr NMLS SAFE CE National Comprehensive: 7 Hour Save Core: Industry Updates for Mortgage Professionals and 1 Hour SAFE Elective: The GI Bill: A Turning Point for Veterans course satisfies the annual continuing education requirements for mortgage loan originators set forth by the SAFE Act, including 3 hours of federal law, 2 hours of ethics, 2 hours of nontraditional mortgage lending, and 1 hour of undefined education (elective).
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Course Completion
Before your completion status can be transmitted to the Nationwide Mortgage Licensing System & Registry (NMLS), you are required to:
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Spend the minimum required amount of time in the course.
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Attend and participate in all course sessions.
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Complete all the required activities.
Course Objectives
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Upon completing this course, you will be able to:
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Review the purpose and functions of the MMC
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Discuss housing issues, challenges and potential solutions
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Understand current and proposed credit rules and regulations
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Explain cash flow underwriting and how it impacts eligibility
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Describe RESPA rules and potential reform
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Summarize BSA/AML and reporting requirements
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Compare current and upcoming valuation processes
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Identify innovative lending programs available at local, state and federal levels
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Define AI and the impact it may have on mortgage lending
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Review history and lasting impact of GI Bill (1-Hour Elective)
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Recognize mortgage fraud and cybersecurity trends and solutions to combat them
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Review the history and lasting impact of the GI Bill (1 hour CE Elective)
Kim Miller's Bio
Kim Miller is Arch MI’s Account Manager in Tennessee. With 25 years’ experience in mortgage sales, including loan origination, retail management, wholesale, and correspondent sales, she focuses on understanding the business strategies of her customers in the Tennessee mortgage community and providing innovative MI solutions to support them. Kim also serves on the Tennessee Mortgage Bankers Association Board of Directors as Education Chair and is an NMLS Approved Instructor for SAFE Act MLO Pre-Licensing and Continuing Education. Kim enjoys creating a fun and interactive experience for her students.
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Understand the implications of new scoring models on borrower eligibility and lender workflows.
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Gain clarity on the structure and benefits of the new URAR and how it will streamline appraisal reporting and data consistency.
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Prepare for economic trends and potential disruptions in 2026 that could influence housing demand, interest rates, and lending strategies.
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Learn how to proactively adapt your business practices to align with regulatory changes and market dynamics.
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Whether you're a lender, appraiser, or housing professional, this session will equip you with the knowledge to navigate regulatory updates, leverage new tools, and anticipate economic shifts that will define the future of housing finance.
MaryKay Scully's Bio
MaryKay Scully is the Director of Customer Education at Enact, where she trains over 35,000 mortgage professionals annually on topics including tax return review, fraud detection, process improvements, and compliance. With more than 30 years of industry experience, she has held multiple leadership roles at Enact (formerly GE/Genworth) and began her career as a Loan Officer. A nationally recognized speaker and educator, MaryKay holds an MBA from Fairfield University, a Six Sigma Functional Black Belt, and is a certified DiSC Behavioral Profiling Trainer. She’s a two-time Mortgage Professional America Elite Women award winner, former Chair of the MBA of New Jersey Women’s Committee, and a regular contributor to MBA Newslink.
What You’ll Learn:
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AI Isn’t New—But It’s Now Unavoidable
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A quick history of AI and why it’s suddenly everywhere.
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What Is GPT—and What Can It Actually Do?
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Demystifying generative AI and how it’s transforming industries.
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Real-World AI in Action
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Practical examples of AI tools both inside and outside the mortgage world.
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Understanding the Risks
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Why responsible AI use matters—and what mortgage professionals need to watch out for.
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Bonus Takeaway:
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All attendees will receive access via QR code to a custom-built GPT assistant—designed specifically to demonstrate how AI can assist Loan Officers craft powerful marketing strategies and grow their Realtor referral network.
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Will Vickers' Bio
Will Vickers is the Vice President of Industry Technology at Arch Mortgage Insurance (Arch MI), where he manages the Digital Channel, builds strategic partnerships with industry technology providers, and provides technology consulting to Arch MI customers.
Will has 38 years of experience in financial services technology with Arch MI, Black Knight Financial Services, First Union Bank, Wachovia Bank Mortgage and three additional mortgage insurance (MI) firms. He is an active participant in MISMO — the Mortgage Industry Standards Maintenance Organization — and is a member of both its MI Community of Practice and the Education Committee.
Today’s top professionals are losing business not because of their products or prices, but because of a hidden epidemic: The Trust Deficit. Today’s clients are overwhelmed by choices, paralyzed by information overload, and deeply skeptical of financial institutions. That same overwhelm ripples through the transaction, which can cause challenges for partners and often stall or derail a closing.
Drawing on research with over 7,000 consumers and her background in community outreach, Kristin reveals how both clients and partners experience the mortgage process in this high-friction environment. Kristin Messerli shares insights from over 7,000 consumers to help you understand the modern buyer’s experience and equip you with her TRUST Framework, a proven 5-step system for converting hesitation into action. Walk away with proven scripts, actionable strategies, and a partnership-first mindset that turns uncertainty into collaboration—and collaboration into more closed loans.
Kristin Messerli's Bio
Kristin Messerli is a leading strategist and keynote speaker on Millennial and Gen Z housing and finance trends. Kristin co-founded the non-profit organization FirstHome IQ, which aims to equip young adults with knowledge about homeownership, driven by her passion to minimize the wealth and education gap.
Kristin has an extensive background working with a variety of lenders, startups, and non-profits, where she has helped to develop successful go-to-market strategies and build consumer trust. Her previous experience includes founding and selling the digital marketing agency Cultural Outreach, which aims to promote sustainable homeownership in underserved communities. In addition, she has served as the VP of Sales and Strategy at Experience.com and provided consultation to several fintech startups on product design, marketing, and research. Since 2020, Kristin has produced and authored the annual NextGen Homebuyer Reports, sponsored by National MI, which showcase key insights from thousands of Millennials and Gen Z consumers. She holds a master's degree in public administration from the University of Oklahoma.
Lucas Hargraves' Bio
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As founder of Hargraves Consulting, Lucas Hargraves has a strong track record on issues at the state and local levels. Hargraves has been lobbying for 20 years, and has earned a reputation as a go-to lobbyist when the stakes are highest, and business interests are on-the-line. In fact, Hargraves has been part of nearly every major legislative battle at the Capitol in recent years, and has delivered top results for his clients.
Hargraves has a deep understanding of the issues most pressing to the business community. With his extensive experience navigating the legislative process and strong relationships throughout government, businesses from Fortune 100 companies, to family-owned operations, and some of the state’s most active organizations trust him to be their voice at the State Capitol.
Hargraves has led the charge on a number of impressive legislative victories on behalf of his clients through the years. He helped lead a lobbying effort that delivered the most sweeping corporate tax reform Arkansas had seen in decades. He also helped secure a tax change to ensure marketplace fairness through the collection of Internet sales tax. In addition, Hargraves was instrumental in passage of the largest highway funding plan in state history. He also helps clients address regulatory issues, working with the executive branch and state agencies.
Hargraves has also led a number of successful statewide ballot issue campaigns in the last decade. His broad experience, steady leadership, and thoughtful insights have made Hargraves one of the most effective lobbyists in Arkansas. Hargraves graduated from the University of Arkansas in 2000 with a degree in Political Science. He spent the first few years of his lobbying career as vice president of public policy for the Little Rock Regional Chamber of Commerce. He and his wife Megan, a partner at Mitchell Williams Law Firm, have one daughter, Caroline Snow, and a son, Henry. Outside of work, Lucas enjoys traveling, running and cycling, and outdoor activities, especially those in the mountains.
Amanda Story's Bio
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A licensed attorney, Amanda Story advocates on behalf of Hargraves Consulting’s clients, drawing on nearly two decades’ experience at the Arkansas Capitol. A former news reporter, Story covered the General Assembly before serving as communication director for the Arkansas House of Representatives. She joined Hargraves Consulting in 2012.
Story puts her diverse background to work for Hargraves Consulting clients, whether helping them navigate the regulatory process within a state agency, lobbying for their interests at the Capitol, or developing a message that will best reach stakeholders. Clients know Story will effectively represent their interests with the highest level of professionalism and attention to detail. Story has been instrumental in Hargraves Consulting’s legislative victories through the years. For example, she developed and helped execute grassroots and earned media strategies for one of the only health care scope of practice expansions to pass in recent sessions. Story has built strong relationships with leaders throughout local and state government, and she’s earned respect as a lobbyist who works hard to deliver positive outcomes for her clients. Story earned her bachelor’s degree from the University of Arkansas at Fayetteville, and her law degree from the UALR William H. Bowen School of Law, where she graduated with high honors. She and her husband, Bentley, live in Little Rock with their daughter, Virginia and their son, Bentley.
