Chris Albano

Director of REO Operations
Home Depot Renovation Services

Chris Albano has been with Home Depot for 18 years and has held various roles in store operations and finance before he started working for Home Depot Renovation Services Business in 2008. As Director of REO Operations, he also leads Home Depot’s B2B Labor Service Programs.

Julio Artiga

Hispanic Marketing Strategist
HOPE NOW Alliance Consultant

Julio Artiga is a Hispanic Marketing Strategist for HOPE NOW Alliance. Previously, Artiga joined Freddie Mac as a manager in the Corporate Relations and Housing Outreach department where he worked with housing partners, servicers and the U.S. Department of the Treasury to implement President Obama’s Making Home Affordable Program. He was also responsible for promoting Freddie Mac’s financial education initiatives and his experiences included building strategic relationships and implementing outreach initiatives with national housing organizations, particularly groups representing Hispanics and African Americans.

Nickalene Badalamenti-Kalas

Five Brothers Asset Managment Solutions

A dynamic entrepreneur, business leader, and skilled executive, Nickalene Badalamenti-Kalas brings leadership, insight and new strategies that drive customer satisfaction, revenue growth, and profitability. She leads Five Brothers growing workforce in delivering an exceptional customer experience, by constantly monitoring changing market conditions and the regulatory landscape to proactively deliver solutions its client need. She received her doctorate degree from the University of Detroit School of Dentistry prior to starting, developing, and running a highly successful dental practice in Michigan for 25 years.

Vanessa Barron-Washington

Servicer Relationship and Performance Management Manager, Single-Family Division

Freddie Mac

Vanessa Barron-Washington is a servicer relationship and performance management manager in Freddie Mac’s Single-Family division. She has over 25 years of diverse residential mortgage and finance experience in areas including foreclosure, bankruptcy and eviction processes, loan production and origination, mortgage servicing, default management, loss mitigation, small business development, accounting and finance, financial reporting, auditing, and compliance. Prior to Freddie Mac, Barron-Washington held leadership positions at NB Financial Services and Shapiro & Burson, LLP.

Denis Brosnan

President & CEO

Denis Brosnan is President and CEO of DIMONT, a leading provider of technology-enabled solutions in specialty insurance claims processing and collateral loss mitigation management for mortgage and auto lenders, servicers and investors. Brosnan is a proven leader with deep experience guiding technology and technology-enabled service providers through various lifecycle phases. Brosnan brings to DIMONT extensive relationships in the mortgage banking community and substantial experience leading large-scale initiatives in organizational growth, systems improvements, and strategic and capital structure change.

Joe Cutrona

Xome Auction Services

Joe Cutrona is the President of Xome Auction Services. Previously, he served as the Senior Director of Default Outsourcing Solutions with CoreLogic and as VP of Commercial Real Estate for classified commercial asset work out strategies for United Western Bank in Denver Colorado. In addition, Cutrona spent over 10 years with Centex Home Equity (Mr. Cooper Mortgage LLC) serving in various senior level management roles with the majority of his experience in mortgage originations and credit/collateral underwriting. For the past 25 years, he has been involved in all aspects of mortgage banking including various origination channels and underwriting, default servicing, and commercial banking (lending and workout). He graduated from Texas Christian University with a bachelor’s degree in finance with a real estate emphasis.

Ed Delgado

President & CEO
Five Star Institute

Ed Delgado is President and CEO of the Five Star Institute, a leading mortgage banking association providing education and strategic services to the U.S. mortgage and secondary market. With senior executive positions at Wells Fargo and Freddie Mac, Delgado is recognized as a thought leader and innovator in the industry. Delgado has hosted discussions with global leaders including former U.S. Presidents Bill Clinton, George W. Bush, and U.S. Secretary of State Condoleezza Rice. While Delgado was at Wells Fargo, he was the primary liaison to the U.S. Department of the Treasury, and worked with the Obama and Bush administration’s efforts to develop mortgage solutions designed to prevent home foreclosures in the U.S.

Jodi Gaines

Co-founder & Vice Chair
Claims Recovery Financial Services

Since founding the company in 2002, Gaines has built CRFS into a highly successful and respected industry leader offering a full range of claims management solutions services to numerous clients throughout the United States. With over 29 years of default and claims industry experience, she brings a wealth of knowledge and insight to the post-foreclosure mortgage claim filing industry. Prior to starting CRFS, she held management roles at Washington Mutual, North American Mortgage, Dime Savings Bank and Anchor Mortgage Services.

Deborah Garcia-Gratacos

President & CEO

Deborah Garcia-Gratacos is the President and founder of DEVAL and is responsible for the overall strategic direction and operating results of the company. She is a provider of consulting services to both private and public clients, including federal agencies such as the HUD, VA, the U.S. Department of Interior (DOI), the U.S. Department of State, the U.S. General Services Administration, FDIC, and USDA. Prior to founding DEVAL, she worked as a Real Estate Consultant for Arthur Andersen LLP Valuation.

Bill Glasgow

Xome Field Services

Bill Glasgow began his career in mortgage banking in 1969 with United Mortgagee Corp in Virginia Beach, Virginia. His career has spanned nine mortgage companies ranging from Lomas & Nettleton (where he served for 20 years and ascended from manager trainee to EVP of Servicing) to Citi, BancBoston, HomeSide Lending, Goldman Sachs, Bear Stearns (EMC Mortgage), One West Bank, and HSBC (where he served from 2015 to December 2017 as Head of Mortgage Servicing for Retail Banking & Wealth Management). Since leaving HSBC, Glasgow was consulting for a number of clients in the mortgage industry until August when he joined Xome as President of Xome Field Services.

Michael T. Hernandez

VP Housing Access, Affordable Housing Initiatives
Fannie Mae

Michael Hernandez has the corporate responsibility to drive a Fannie Mae strategic initiative to expand access to sustainable mortgage credit and affordable housing, working with a wide-range of stakeholders to understand emerging consumer needs and develop responsive products and processes which support expanded access to credit. Hernandez oversees the design, implementation and reporting of Fannie Mae’s Duty to Serve plan and Housing Goals as well as leads Fannie Mae’s on-the-ground disaster recovery and rebuild efforts.

Stephen Hladik

Founding Member
HMB Law Group

Stephen M. Hladik, Esquire, is a founding member of HMB Law Group, LLC and Hladik, Onorato & Federman, LLP. Formerly a Deputy Attorney General in charge of the Harrisburg office of the Pennsylvania Bureau of Consumer Protection, he brings a broad range of experience to his mortgage foreclosure, bankruptcy, tax sale and UDAP legal practice. Hladik also served in lending law enforcement while serving in the Pennsylvania Attorney General’s Bureau of Consumer Protection. Hladik was previously the Pennsylvania managing attorney for one of the nation’s largest creditor’s rights firms.

Steven Horne

Founding Member
HMB Law Group

Steven Horne is an attorney admitted to the bar in Maryland, Virginia and the District of Columbia. In the mortgage industry, Horne has been instrumental in the success of four hyper-growth companies. As founder of Wingspan Portfolio Advisors, he partnered with the top financial institutions in the U.S. and garnered many awards including multiple appearances on the Inc. 500, numerous technology awards, and Ernst & Young Entrepreneur of the Year Finalist.

Angela Hurst

SVP, Strategy and Development

Angela Hurst is an accomplished senior executive and thought leader with more than 30 years of success in the real estate and mortgage banking industries. Her broad areas of expertise include strategic initiatives, contract negotiations, contract procurement, client relations, public relations; community outreach, development programs, pool/bulk sales, alternative disposition programs, vendor and business partner training programs, vendor management, negotiations, public/client relations, communications, and conflict resolution.

Noerena Limón

SVP Public Policy & Industry Relations

Noreen Limón, is SVP of public policy at the National Association of Hispanic Real Estate Professionals (NAHREP), one of the nations large professional membership organizations, advocating for the advancement of sustainable homeownership for the Hispanic community. Prior to joining NAHREP, Limón worked as a policy analyst at the Bureau of Consumer Financial Protection (BCFP) in the Office of Mortgage Markets, focusing on national mortgage policy. Prior to her tenure at BCFP, Limón held various positions in the federal government including tenure at The White House, where she served in the Office of Political Affairs and in the offices of U.S. Congressman, Xavier Becerra. Limón received her B.A. in Political Science from the University of California at Berkley and holds a Master in Public & Economic Policy from the Harvard Kennedy School of Government.

Brian Martin

Dakota Asset Services

In his role as SVP at Dakota Asset Services (DAS), Brian Martin is responsible for strategic initiatives and operational management across the company’s multiple locations. Martin has established technological improvements that facilitated an increase in employee production by 25 percent and directed “near-shore” staffing strategy that kept headcount flat while reducing operating costs by over 30 percent. He has developed key strategic partnerships in Puerto Rico to establish a strong market presence and brand awareness, while leading core system change that resulted in automated workflow processes and elimination of significant company risks.

Ryan McGuinness

Director, Mortgage Servicing Policy
Freddie Mac

Ryan McGuinness possesses a diverse background in the Financial Services industry including experience working for Freddie Mac’s Fraud Investigations department prior to accepting a position with the Servicing Policy department, also with Freddie Mac. He possesses experience and expertise in mortgage loan originations and servicing, default asset management processes, creating and implementing policy, and government relations.

Jorge Ochoa

Pro Account Representative
The Home Depot

Jorge Ochoa is Pro Account Representative for South Florida, Puerto Rico, and the U.S. Virgin Islands. He has been with Home Depot for 5 years and has held multiple roles as Assistant store Manager, Disaster Relief Manager and Pro Account Representative. Priour to joining The Home Depot, Ochoa spent 17 years in the Architectural Coatings and Protective and Marine Coatings industries.

Ian Ojeda

Store Manager
The Home Depot South Florida/Puerto Rico and USVI

Ian Ojeda has been with Home Depot for 19 years and has held multiple roles, including more than nine years’ experience as Store Manager in the Miami and Puerto Rico market. Ojeda also overlooks the PRO (contractor) area of the business in the PR market for the stores.

Marie Angie Rivera

SVP, Mortgage Servicing
Rushmore Loan Management

In her role as Senior Vice President at Rushmore Loan Management Servicing, Marie Angie Rivera is responsible for the management of the residential mortgage platform for the company’s Puerto Rico servicing operations. Rivera has over 17 years of professionals experience in residential mortgage servicing. Rivera’s primary area of responsibility is in default administration and includes practices related to loss mitigation, foreclosure, bankruptcy and claims operations. Ms. Rivera previously held executive positions at Doral Bank, where she was Vice President of mortgage servicing operations and FirstBank, where she held the position of Default Supervisor.

Rafael Rodríguez-Roselló

Managing Attorney
Puerto Rico Legal Services (PRLS)

Rodríguez focuses on Mortgage Foreclosure prevention State and Federal Court representing low-income homeowners and has written and lectured on legal topics relating foreclosures, including Reverse Mortgages. He has provided written and oral testimony at State level regarding foreclosure issues and policy. He is committed to outreach in his community and serves as an instructor at training and legal education seminars on foreclosure prevention matters. He previously worked as an attorney at PRLS from 2009 to 2017 representing low-income clients in other civil matters including foreclosures and bankruptcy.

Jesse Roth

SVP, Client Management

Jesse Roth is a senior mortgage banking executive with significant experience in Business Development, Strategy, Capital Markets and Analytics. He utilizes his strong business acumen to identify new opportunities for development, forecasting, and planning purposes. In his role at, Roth is responsible for managing the sales and client management team with specific focus on identifying target opportunities for increased revenue and ensuring performance met expectations.

Genevieve López Stipes

Founder and Managing Partner
GLS Legal Services

An attorney at law and notary public, Genevieve López Stipes is skilled in representing Financial Institutions and Mortgage Portfolio Servicers in Puerto Rico. Member of the American Mortgage Diversity Council, the Legal League 100, “Asociación de Notarios de Puerto Rico,” and is affiliated to the Mortgage Bankers Association of Puerto Rico. 

Andrea Tromberg

Tromberg Law Group

Andrea Tromberg has been practicing law since 1996 and is the sole owner of Tromberg Law Group which offers legal services throughout Florida and Puerto Rico for mortgage lenders, servicers, banks, and investors. Her firm focuses on residential and commercial foreclosure, appeals, bankruptcy, eviction, property registration, title curative, collections and real estate litigation. Recently, she has spoken on topics such as statute of limitation, proposed bills in Congress, ethics, FDCPA claims, and the Bureau of Consumer Financial Protection.