rob's report

September is in the books and our results were a "mixed bag" for sure! Loan volume, locks and applications were all off 10% or so but our total pipeline increased by 27 loans and about $3 M. Statistical anomaly or the sign of an improved 4th quarter? Hoping for the latter!

We finished September with 182 funded loans for $47.1 M. Application volume was still solid at 223 while future locks dipped to 172 loans for $41.6 M. Now that the government has decided to remain open (at least in the short term), we can only hope this will lead to some stability in the market and yes, a dip in these pesky high interest rates.

• October 4 David Fields
• October 4 Pam Kelly
• October 4 Kathy Reed
• October 4 Rebecca Weaver
• October 7 Patrick Skees
• October 8 Steven Custer
• October 8 Max Sandler
• October 9 Matt James
• October 14 Bonnie Hayden
• October 14 Diana Wagenmann
• October 16 Alisha Whited
• October 17 Patrick Dozler
• October 17 Kim Patrell
• October 20 Mike Hosang
• October 23 Robyn O'Neil
• October 25 Eddie Holt

Ways To Qualify:

• AUTOMATIC QUALIFIER! Loan Officers/Branch Managers with 18M or 90 units will automatically qualify.
• *Loans that you refer and close through the referral desk (or renovation and reverse mortgage specialists, Gina and Julia) will be included in your total numbers.

Rules:

Winner must still be employed by TMSI at the time of the trip or the trip will be forfeited. The trip is non-transferrable and may not be exchanged for its cash equivalent.

TRIP DATE:

Wednesday, October 9-Saturday, October 12, 2024 (Check out fly back Saturday).

DESTINATION:

Secrets Wild Orchid Montego Bay

2023 PRESIDENT'S CLUB

current standings

Automatic qualifiers

(18M OR 90 UNITS)

1. Traci Rizer – Grasonville, MD $46.1 M/168 Units (Q)
2. Patrick Dozler - Little River, SC $21.3 M/81 Units (Q)
3. Peyton von Hirsch - Virginia Beach, VA $19.2 M/34 Units (Q)
4. Angie Sebree - Virginia Beach, VA $18.9 M/67 Units
5. Tim Dixon - Camp Hill, PA $14.085 M/57 Units
6. Ben Munson - Virginia Beach, VA $14.060 M/45 Units
7. Kathy Martinez - Colonial Heights, VA $13.5 M/53 Units
8. Dave Demmer - Clarion, PA $12.8 M/95 Units
9. John Macchiarelli - Matawan, NJ $11.6 M/25 Units
10. Jeremy Krupnick - Virginia Beach, VA $11.5 M/33 Units
11. Joe McMeans - Camp Hill, PA $10.8 M/40 Units
12. Maureen Milicich - Virginia Beach, VA $10.6 M/20 Units
13. Beth Jourdan - Virginia Beach, VA $9.8 M/35 Units
14. Jonathan Matthews - Myrtle Beach, SC $9.1 M/34 Units
15. Michelle Capullo - West Palm Beach, FL $9 M/27 Units
16. Damon Carpitella - Wilmington, DE $8.5 M/31 Units
17. Joe Lombardi - Matawan, NJ $7.8 M/17 Units
18. Patrick Steele - Virginia Beach, VA $7.7 M/21 Units
19. Lorinda James - Virginia Beach, VA $7.3 M/20 Units
20. Donna Heinrich - Raleigh, NC $7.2 M/21 Units
21. Steve Runnells - Frederick, MD $7 M/34 Units
22. Fred Gordon - Longs, SC $6.88 M/30 Units
23. Mike Hosang - Virginia Beach, VA $6.87 M/24 Units
24. Reggie Matthews - Virginia Beach, VA $6.83 M/26 Units
25. Peter Yuen - Newport News, VA $6.1 M/19 Units

(Q) = Qualified

Cher Gebara

Processor, Virginia Beach, VA

Cher Gebara is a mother, daughter, sister, significant other, and a loyal friend. Her primary focus in life revolves around being the best mother and role model for her 24-year-old daughter, A’Lexus. Born in California, raised in New Mexico, and later relocating to Virginia as a military spouse, Cher has called Virginia her home for the past 25 years, spanning coast to coast.

Despite holding a bachelor's degree in psychology, Cher's professional career has predominantly been in the field of finance. With over a decade of experience, she has spent the last 10+ years working in the mortgage industry. Her journey began at Bank of America, where she processed default mortgages for 5 years, and she has continued her mortgage processing career with TMSI for nearly 6 years.

When she isn't engrossed in her role as a diligent mortgage processor, Cher enjoys cozy evenings watching movies with her boyfriend, Xavier, exploring new travel destinations, or simply unwinding with her family and friends. Family and friends hold significant importance in Cher's life, and she often takes the lead in organizing gatherings for their collective enjoyment. Her passion for photography enables her to capture and treasure precious moments, as she recognizes that life is uncertain, and memories become invaluable treasures as time progresses.

Thank you to the following employees for their hard work and dedication to TMSI.

• Jill Maloney, Mortgage Loan Officer 20 Years
• Hans Jacques, Sales Training Manager/Sr Loan Officer 16 Years
• John Macchiarelli, Branch Manager/Mortgage Loan Officer 10 Years
• Takia Moore, Loan Officer Assistant 7 Years
• Andy Flynn, Compliance Officer 7 Years
• Mark Stewart, Sales Manager/Mortgage Loan Officer 7 Years
• Barbara Blankenship, Processor 6 Years
• Rita Feasenmyer, Mortgage Loan Officer 6 Years
• Kathy Martinez, Branch Manager/Sr Loan Officer 6 Years
• John Gilbert, Accounting Manager 4 Years
• Matt Bowman, Quality Control Specialist 4 Years
• Michelle McLemore, Marketing Coordinator 2 Years

WE WOULD ALSO LIKE TO RECOGNIZE THE FOLLOWING PEOPLE FOR BEING WITH US FOR 1 YEAR!

• Warren Thrasher

EMPLOYEES OF THE MONTH

mike rinehart

Director of Compliance, Virginia Beach, VA

Nicole fleck

Secondary Marketing Analyst, Virginia Beach, VA

TMSi D&I's event board HIGHLIGHTS international day of peace

TMSI commemorates International day of peace

TMSI TO OFFER PATH TO DIVERSITY SCHOLARSHIP

The Path to Diversity Scholarship Program recognizes existing industry professionals who are seeking to advance their careers through continuing education. Recipients receive a voucher to cover course registration fees, up to a maximum of $2,000, for popular MBA Education courses and designation programs. This education opportunity enables employees from diverse backgrounds to advance their professional growth and career development.

Scholarships awarded under the Path to Diversity program can also be used towards six upcoming MBA Conferences where attendees can obtain Continuing Professional Education (CPE), Continuing Legal Education (CLE) or Society of Human Resources Management (SHRM) credits.

Since the scholarship is only a voucher to cover registration fees, TMSI will cover the cost of travel and hotels for any conference if necessary to any awarded applicant!

For more information on application requirements, and eligibility, or to apply, click here.

MEMBERS OF THE TMSI VIRGINIA BEACH BRANCH NETWORK AT YNOT WEDNESDAY

TMSI'S BRYAN PUMPHREY AND PENNY LACUESTA ATTEND MOUNT PLEASANT CHAMBER OF COMMERCE EXPO

The Mount Pleasant Chamber of Commerce had their annual Expo on Thursday, September 28 to allow businesses to gather and showcase their services.

TMSI MONTHLY CORPORATE CALL

For those of you who might not have participated, Rob conducts a monthly corporate call using Zoom Video Conferencing. Although these calls are not mandatory, we encourage everyone to join, if possible. A lot of important and relevant information is covered and we do not want anyone to miss out. If you are not able to join the meeting, Mike Martin, Vice President of Project Management, makes a recording of the call each month and you can listen upon request.

Below, please find the information for the next scheduled call:

MONDAY, NOVEMBER 6 AT 10:00 AM

https://zoom.us/j/430984999

Meeting ID: 430 984 999

One tap mobile

+16465588656,,430984999# US (New York)

+17207072699,,430984999# US (Denver)

Dial by your location

+1 646 558 8656 US (New York)

+1 720 707 2699 US (Denver)

Meeting ID: 430 984 999

Find your local number: https://zoom.us/u/acRR8rls6N

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TMSI is proud to offer the services of the Referral Desk to our hard working employees.

Earn 50 Basis Points

(.5% of the loan amount) when your referred loan closes.

For Example, A $300,000 Referral Loan Would Earn You

$1,500

• For licensed Loan Officers this applies for loans sent in because you are not licensed in the subject property state.

• For non-Loan Officer employees or support staff this applies to any loan sent in.

• Huge pricing incentives (reduced rates/lender credits) on any personal mortgage loans. Due to the increased incentive, the 50 Basis point commission does not apply to personal loans.

Please contact the Referral Desk with questions!