ADDISON, Texas, June 21, 2022 (SEND2PRESS NEWSWIRE) — Mid America Mortgage, Inc. (Mid America) announced today it is offering eNotes capabilities via its wholesale channel to enable non-delegated correspondents to operate more efficiently and competitively as they make the transition from mortgage broker to banker. Through this program, third-party originators (TPOs) can deliver the convenience […]
Tag Archives | Mid America Mortgage, Inc.
Gary D. McKiddy Assumes Chief Financial Officer Role at Mid America Mortgage
ADDISON, Texas, May 11, 2022 (SEND2PRESS NEWSWIRE) — Mid America Mortgage, Inc. (Mid America) announced today that Gary D. McKiddy has been promoted from Chief Risk Officer to Chief Financial Officer. In this new role, McKiddy will manage financial operations and strategy as Mid America Mortgage continues to refine its operations and drive business growth […]
Mid America Mortgage adds Kyle Hilton as Quality Control Manager
ADDISON, Texas, March 23, 2022 (SEND2PRESS NEWSWIRE) — Mid America Mortgage, Inc. (Mid America) welcomes mortgage industry veteran, Kyle Hilton as its newest quality control manager. Hilton brings a knowledge spanning more than 20 years in mortgage underwriting and quality assurance review. In this role, Hilton will be responsible for overseeing and monitoring quality control […]
Mid America Mortgage Welcomes Jarred Talmadge to its team of reverse mortgage experts
ADDISON, Texas, Jan. 12, 2022 (SEND2PRESS NEWSWIRE) — Mid America Mortgage, Inc. (Mid America) announced industry veteran Jarred Talmadge has joined Mid America as Western Reverse Mortgage Sales Manager. In this role, Talmadge is responsible for expanding Mid America’s reverse mortgage presence in the Western U.S.
Mid America Mortgage announces completion of new funding source for its down payment assistance program through J.V.B. Financial Group, LLC
ADDISON, Texas, Jan. 5, 2022 (SEND2PRESS NEWSWIRE) — Mid America Mortgage, Inc. (Mid America) announced today it has secured an additional line of liquidity from J.V.B. Financial Group, LLC (member of FINRA and SIPC) (“JVB”), an indirect controlled subsidiary of Cohen & Company Inc. (NYSE American: COHN), through the company’s Agency MBS & Gestation Repo […]
Mid America Mortgage COO Jemma Pachiano selected by Mortgage Professional America in its 2021 Elite Women Awards Program
ADDISON, Texas, Dec. 17, 2021 (SEND2PRESS NEWSWIRE) — Mid America Mortgage, Inc. (Mid America) announced today Jemma Pachiano has been honored as an Elite Woman by industry publication, Mortgage Professional America (MPA). The MPA 2021 Elite Women Award seeks to honor outstanding women in the mortgage and housing industry.
Mid America Mortgage welcomes Dennis Loxton as national sales manager in its reverse mortgage division
ADDISON, Texas, Nov. 15, 2021 (SEND2PRESS NEWSWIRE) — Mid America Mortgage, Inc. (Mid America) announced it has hired Dennis Loxton as national sales manager in the company’s reverse mortgage division. A veteran of the reverse mortgage industry, Loxton joins Mid America from Liberty Reverse Mortgage, where he ran the Eastern wholesale division as regional vice […]
Mid America Mortgage Hires Gary D. McKiddy as Chief Risk Officer
ADDISON, Texas, Nov. 10, 2021 (SEND2PRESS NEWSWIRE) — Mid America Mortgage, Inc. (Mid America) announced today that Gary D. McKiddy has rejoined the organization in the role of Chief Risk Officer (CRO). McKiddy will leverage his nearly 40 years of experience in corporate financial management across multiple verticals, including mortgage banking, to help Mid America […]
Three Mid America Mortgage Loan Officers Make the Cut for NAMMBA’s Top 100 by Units
ADDISON, Texas, Oct. 8, 2021 (SEND2PRESS NEWSWIRE) — Mid America Mortgage, Inc. (Mid America) announced today that three of its loan officers – Michael Bogar, DeAnna Morgan and Christine Pervan – have been included on the National Association of Minority Mortgage Bankers of America (NAMMBA) list of top 100 female and minority loan officers, measured […]
Mid America Mortgage Donates $250,000 to Services of Hope
ADDISON, Texas, Oct. 1, 2021 (SEND2PRESS NEWSWIRE) — Mid America Mortgage, Inc. (Mid America) announced today that the company has donated $250,000 to Services of Hope, a 501(c)(3) organization in Dallas aimed at providing assistance and support for community needs that do not fit in a traditional category. Mid America’s donation will be met by […]
Mid America Mortgage Adds Pete Jackson as Divisional Director for Wholesale/Non-Delegated Correspondent Channel, Tim Frohock as Regional Director
ADDISON, Texas, Sept. 1, 2021 (SEND2PRESS NEWSWIRE) — Mid America Mortgage, Inc. (Mid America) announced today that Pete Jackson has joined the company as a divisional director and Tim Frohock as a regional director. With more than 30 years of wholesale and correspondent lending experience, Jackson and Frohock will play a critical role in the […]
Mid America Mortgage Securitizes Its First Ginnie Mae eNote with eCustodian Wilmington Trust
ADDISON, Texas, June 10, 2021 (SEND2PRESS NEWSWIRE) — Mid America Mortgage, Inc. (Mid America) announced today that the company has completed its first Ginnie Mae eNote transaction with Wilmington Trust, an approved and active eCustodian under Ginnie Mae’s Digital Collateral Initiative. Having announced its first eNote transaction in August 2016, this represents the next step […]
Mid America Mortgage CFO Michael Kennemer Receives HousingWire’s Inaugural 2021 Finance Leaders Award
ADDISON, Texas, May 5, 2021 (SEND2PRESS NEWSWIRE) — Mid America Mortgage, Inc. (Mid America) announced today that its Chief Financial Officer (CFO) Michael Kennemer has been named to HousingWire’s inaugural 2021 Finance Leaders awards, recognizing the top finance executives driving financial performance, expanding margins, improving liquidity and helping their businesses access capital markets.
Mid America Mortgage Loan Officers Named Top Producers and Originators
ADDISON, Texas, April 21, 2021 (SEND2PRESS NEWSWIRE) — Mid America Mortgage, Inc. (Mid America) announced today that four loan officers garnered spots on National Mortgage News’ Top Producers of 2021 list and nine loan officers were named a Top Originator by Scotsman Guide.
Mid America Mortgage Receives ‘2021 Best Mortgage Companies to Work For’ Honors for Second Straight Year
ADDISON, Texas, March 30, 2021 (SEND2PRESS NEWSWIRE) — Mid America Mortgage, Inc. (Mid America) announced today it has been named one of the “2021 Best Mortgage Companies to Work For” for the second consecutive year by mortgage industry trade publication National Mortgage News.
Mid America Mortgage Launches Click n’ Close Title to Provide Digitally-Driven Real Estate Closing Services Powered by RON
ADDISON, Texas, March 4, 2021 (SEND2PRESS NEWSWIRE) — Mid America Mortgage, Inc. (Mid America) announced today it has launched Click n’ Close Title, a digital-first residential title insurance company, to deliver more comprehensive digital mortgage closing services to the residential real estate market.
Mid America Mortgage Hires Katherine Carlsen as Underwriting Manager
ADDISON, Texas, Jan. 25, 2021 (SEND2PRESS NEWSWIRE) — Mid America Mortgage, Inc. announced today that mortgage industry veteran Katherine Carlsen has joined the company as underwriting manager. In her new role, Carlsen will utilize her more than 30 years of mortgage industry experience to lead underwriting for Mid America, enabling the company to sustain its […]
Mid America Mortgage Expands Access to Down Payment Assistance Program to Its Correspondent Partners
ADDISON, Texas, Jan. 14, 2021 (SEND2PRESS NEWSWIRE) — Mid America Mortgage, Inc. (Mid America) announced it has added down payment assistance (DPA) to the slate of mortgage products and services offered through its correspondent division. This is an expansion of the DPA program Mid America created for its retail channel in 2019 in partnership with […]
Mid America Mortgage Promotes Jemma Pachiano to Chief Operating Officer
ADDISON, Texas, Jan. 7, 2021 (SEND2PRESS NEWSWIRE) — Mid America Mortgage, Inc. (Mid America) announced today it has promoted former National Support and Training Director Jemma Pachiano to Chief Operating Officer (COO).
Mid America Mortgage Hires Julas Hollie as Correspondent Division Sales Director
ADDISON, Texas, Sept. 1, 2020 (SEND2PRESS NEWSWIRE) — Mid America Mortgage, Inc. (Mid America) announced today that Julas Hollie has joined the company as sales director for Mid America’s Correspondent Lending division. In this role, Hollie is responsible for increasing loan acquisitions through strategic marketing and customer outreach.
Mid America Mortgage’s Kara Lamphere Named 2020 HW Woman of Influence
ADDISON, Texas, Aug. 5, 2020 (SEND2PRESS NEWSWIRE) — Mid America Mortgage, Inc. (Mid America) announced today that Chief Operating Officer Kara Lamphere has been named a 2020 HousingWire Woman of Influence. A two-time winner (2017), Lamphere was recognized this year for her continued efforts to push the envelope regarding what is possible for lenders in […]
Mid America Mortgage Named to ‘2020 Best Mortgage Companies To Work For’ List by National Mortgage News
ADDISON, Texas, Feb. 27, 2020 (SEND2PRESS NEWSWIRE) — Mid America Mortgage, Inc. (Mid America) announced today that the company has been named one of the “2020 Best Mortgage Companies to Work For” by mortgage industry trade publication National Mortgage News. Mid America ranked 20th among 40 lenders recognized nationally.
Mid America Mortgage Bolsters Servicing Department with New Hires
ADDISON, Texas, Feb. 7, 2020 (SEND2PRESS NEWSWIRE) — Mid America Mortgage, Inc. (Mid America) announced today that it has added John Bargas, Donnell Mitchell and Wendy Strawn to its servicing department. Bargas will lead the department as Executive Managing Director of Servicing and the combined experience and expertise of all three hires will make an […]
Mid America Mortgage Executives to Speak at Upcoming MBA, ALTA Events
ADDISON, Texas, Nov. 26, 2019 (SEND2PRESS NEWSWIRE) — Mid America Mortgage, Inc. (Mid America) announced today that two of its executives will be sharing their expertise at upcoming events for the Mortgage Bankers Association (MBA) and the American Land Title Association (ALTA), respectively.
Mid America Mortgage Named Top 25 Mortgage Company by MReport Magazine
ADDISON, Texas, Nov. 23, 2019 (SEND2PRESS NEWSWIRE) — Mid America Mortgage, Inc. (Mid America) announced today that the company has been named one of MReport’s “2019 Top 25 Companies in Mortgage and Servicing.”
Mid America Mortgage Completes In-House Conversion of Its Mortgage Servicing Operations
ADDISON, Texas, Nov. 12, 2019 (SEND2PRESS NEWSWIRE) — Mid America Mortgage, Inc. (Mid America) announced today that it has completed the transition of its servicing operations to its newly-formed in-house servicing department. As of November 4, 2019, Mid America’s national servicing portfolio, will be managed by an internal staff of approximately 40 employees located in […]
Mid America’s Jemma Pachiano Honored as HW Insider
ADDISON, Texas, Sept. 5, 2019 (SEND2PRESS NEWSWIRE) — Mid America Mortgage, Inc. (Mid America) announced today that Mid America National Support and Training Director Jemma Pachiano has been recognized by HousingWire magazine in its fourth annual HW Insiders Awards(tm) list. This year, 50 individuals were selected for the honor by HousingWire’s editorial team based on […]
Mid America Mortgage Promotes Michael Cooksey to Executive Managing Director of Production
ADDISON, Texas, Aug. 22, 2019 (SEND2PRESS NEWSWIRE) — Mid America Mortgage, Inc. announced today that it has promoted Michael Cooksey, founder of Mid America’s most successful branch The Cooksey Team, to Executive Managing Director of Production. In this new role, Cooksey will be responsible for overseeing and ensuring the success of Mid America’s current network […]
Mid America Mortgage Hires Kerry Webb as Director of Business Development
ADDISON, Texas, April 11, 2019 (SEND2PRESS NEWSWIRE) — Mid America Mortgage, Inc. announced today that it has hired Kerry Webb as Executive Managing Director of Business Development. In this role, Webb will be responsible for recruiting, managing and motivating teams of mortgage professionals to meet and exceed productions goals that align with the overall company’s […]
Mid America COO Kara Lamphere Honored as ‘Tech All-Star’ by Mortgage Bankers Association
ADDISON, Texas, March 26, 2019 (SEND2PRESS NEWSWIRE) — Mid America Mortgage, Inc. announced today that Mid America Chief Operating Officer Kara Lamphere was one of four mortgage technology innovators honored by the Mortgage Bankers Association (MBA) as a 2019 MBA Insights Tech All-Star. The award, now in its 18th year, recognizes “industry leaders who have […]
Mid America Mortgage Earns Multiple Top Mortgage Workplace Honors
ADDISON, Texas, March 8, 2019 (SEND2PRESS NEWSWIRE) — Mid America Mortgage, Inc. (Mid America) announced today that the company has been named a top mortgage workplace by two industry trade publications. In addition to garnering Top Mortgage Workplace honors by Mortgage Professional America (MPA), Mid America was also named a Top Mortgage Employer by National […]
Mid America Mortgage CEO Jeff Bode Named Top 25 Industry Leader by MReport
ADDISON, Texas, Feb. 15, 2019 (SEND2PRESS NEWSWIRE) — Mid America Mortgage, Inc. announced today that CEO Jeff Bode has been named one of MReport’s 2019 “The Top 25 Industry Leaders & Influencers.” As MReport Editor-in-Chief Rachel Williams noted in the December 6 announcement regarding the awards program, “MReport’s Top 25 Industry Leaders list celebrates individuals […]
The Cooksey Team Achieves 35 Percent Increase in Profitability in 2018 Despite Overall Mortgage Market Decline
DALLAS, Texas, Jan. 10, 2019 (SEND2PRESS NEWSWIRE) — The Cooksey Team, a top-producing retail branch of Mid America Mortgage, Inc., announced today it has achieved year-over-year growth in volume and profitability for the sixth year running. In 2018, The Cooksey Team increased its overall volume by 27 percent over the previous year and increased the […]
Kara Lamphere of Mid America Mortgage Named to Mortgage Banking’s Most Powerful Women
ADDISON, Texas, Nov. 2, 2018 (SEND2PRESS NEWSWIRE) — Mid America Mortgage, Inc. (Mid America) announced today that Chief Operating Officer Kara Lamphere was named to National Mortgage Professional (NMP) magazine’s 2018 list of Mortgage Banking’s Most Powerful Women.
Mid America Mortgage Hires Pamela Misner to Manage Underwriting
ADDISON, Texas, Oct. 10, 2018 (SEND2PRESS NEWSWIRE) — Mid America Mortgage, Inc. (Mid America) Owner and Chief Executive Officer Jeff Bode announced the firm has retained Pam Misner as Underwriting Manager. With nearly 30 years of mortgage expertise, Misner will direct Mid America’s mortgage loan underwriting and collaborating on the expansion of origination and production […]
The Cooksey Team Included in Dallas Business Journal’s ‘2018 Best Places to Work’
DALLAS, Texas, Aug. 21, 2018 (SEND2PRESS NEWSWIRE) — The Cooksey Team, a top producing retail branch of Mid America Mortgage, Inc., announced today it has been recognized for a second straight year by Dallas Business Journal as one of its “Best Places to Work.” The branch was one of only 100 companies recognized in this […]
Mid America Mortgage COO Kara Lamphere Repeats as One of MPA Magazine’s Elite Woman in Mortgage
ADDISON, Texas, July 25, 2018 (SEND2PRESS NEWSWIRE) — Mid America Mortgage, Inc. (Mid America) announced today that Chief Operating Officer Kara Lamphere was named by Mortgage Professional America (MPA) magazine to the publication’s list of 2018 Elite Women in Mortgage. This is the second consecutive year that Lamphere has received this recognition.
Mid America Mortgage to Offer Warehouse Lines of Credit on Seasoned and ‘Scratch and Dent’ Loans
ADDISON, Texas, May 14, 2018 (SEND2PRESS NEWSWIRE) — Mid America Mortgage, Inc. Owner and Chief Executive Officer Jeff Bode today announced that the firm has expanded its relationship with Spectrum Mortgage Holdings, LLC to offer warehouse lines of credit in conjunction with its Whole Loan Purchase program. This will provide sellers the flexibility to finance […]
The Cooksey Team’s Brandon Findley Cracks the Top 200 of Best Mortgage Lenders’ 2018 List of Top Texas Loan Officers
DALLAS, Texas, May 10, 2018 (SEND2PRESS NEWSWIRE) — The Cooksey Team, a top producing retail branch of Mid America Mortgage, Inc., announced today that Best Mortgage Lenders has ranked Cooksey Team loan officer (LO) Brandon Findley at No. 198 in Texas based on the total number of loans closed in 2017. Specializing in the Dallas […]
Darren Lovell of The Cooksey Team Ranks Third on Best Mortgage Lenders’ 2018 List of Top Loan Officers in Flower Mound, Texas
DALLAS, Texas, May 10, 2018 (SEND2PRESS NEWSWIRE) — The Cooksey Team, a top producing retail branch of Mid America Mortgage, Inc., announced today that Best Mortgage Lenders 2018 has ranked loan officer (LO) Darren Lovell at No. 3 in Flower Mound, Texas, based on the total number of loans closed in 2017. Lovell also placed […]
Mid America Mortgage CEO Jeff Bode to Share eMortgage Insights at Texas MBA and MBA Secondary Conferences
ADDISON, Texas, May 1, 2018 (SEND2PRESS NEWSWIRE) — Mid America Mortgage, Inc. (Mid America) announced today that its Owner and CEO Jeff Bode will be sharing his expertise on digital mortgage origination and securitization at two upcoming industry conferences.
Best Mortgage Lenders 2018 Ranks Wesley Ryan Grubbs of The Cooksey Team as the No. 1 Loan Officer in Flower Mound, Texas
ADDISON, Texas, April 30, 2018 (SEND2PRESS NEWSWIRE) — The Cooksey Team, a top producing retail branch of Mid America Mortgage, Inc., announced today that its loan officer (LO) Wesley Ryan Grubbs has been ranked No. 1 in Flower Mound, Texas, based on total number of loans closed in 2017, according to Best Mortgage Lenders 2018. […]
The Cooksey Team Founder Michael Cooksey Recognized by Mortgage Professional America in 2018 Hot 100
ADDISON, Texas, Feb. 8, 2018 (SEND2PRESS NEWSWIRE) — The Cooksey Team, a top producing retail branch of Mid America Mortgage, Inc., announced today its founder Michael Cooksey has been honored by housing industry trade magazine Mortgage Professional America (MPA) on its 2018 Hot 100 list.
Mid America Mortgage CEO Jeff Bode Recognized by MPA in ‘2018 Hot 100’
ADDISON, Texas, Feb. 8, 2018 (SEND2PRESS NEWSWIRE) — Mid America Mortgage, Inc. (Mid America) announced today that owner and CEO Jeff Bode has been honored by Mortgage Professional America (MPA) magazine in publication’s sixth annual Hot 100 list of mortgage industry professionals who have made a notable impact over the past year.
Michael Cooksey Named One of National Mortgage Professional Magazine’s ’40 Under 40′
DALLAS, Texas, Dec. 27, 2017 (SEND2PRESS NEWSWIRE) — The Cooksey Team, a top producing retail branch of Mid America Mortgage, Inc., announced today that its founder Michael Cooksey has been named one of “The 40 Most Influential Mortgage Professionals Under 40” for 2017 by industry trade magazine National Mortgage Professional.
Mid America Mortgage to Purchase Assets from Two Oklahoma Lenders
ADDISON, Texas, Nov. 13, 2017 (SEND2PRESS NEWSWIRE) — Mid America Mortgage, Inc. (Mid America) announced it has signed a letter of intent to purchase the assets of Oklahoma City-based American Southwest Mortgage Corp. and an affiliated firm, American Southwest Mortgage Funding Corp. As part of the agreement, Mid America will incorporate American Southwest’s operations into […]
Mid America Mortgage Launches Digital Mortgage Platform, Partners with NASCAR, Richard Petty Motorsports
DAYTONA BEACH, Fla., Nov. 3, 2017 (SEND2PRESS NEWSWIRE) — Click n’ Close(TM), a division of Mid America Mortgage, Inc., has entered into official partnership agreements with the sanctioning body, NASCAR, and one of the most iconic race teams in the sport, Richard Petty Motorsports. The collaborations designate Click n’ Close as the “Official Mortgage Provider […]
Mid America Mortgage Assists Lenders, Borrowers Affected By Recent Disasters
ADDISON, Texas, Oct. 19, 2017 (SEND2PRESS NEWSWIRE) — Mid America Mortgage, Inc. (Mid America) announced measures it has taken to provide assistance to both lenders and borrowers that were impacted by recent federally declared disasters. In addition to $20,000 in donations from employees and the corporation toward relief efforts, Mid America will also purchase loans […]
Spectrum Mortgage Holdings Partners with Mid America Mortgage to Purchase eNotes
ADDISON, Texas, Sept. 6, 2017 (SEND2PRESS NEWSWIRE) — Mid America Mortgage, Inc. (Mid America) announced today that Spectrum Mortgage Holdings has signed on as an eWarehouse line provider for Mid America’s eCorrespondent division. Through this partnership, Spectrum will offer lower net worth requirements (*see note 1). on warehouse lines and purchase eNotes from qualified emerging […]
Cooksey Team Founder Michael Cooksey Named Mortgage Industry ‘Insider’ for 2017 by HousingWire Magazine
DALLAS, Texas, Sept. 1, 2017 (SEND2PRESS NEWSWIRE) — The Cooksey Team, a top producing retail branch of Mid America Mortgage, Inc., announced today that its founder Michael Cooksey has been honored by housing industry trade magazine HousingWire (HW) as one of its “2017 Insiders.”
Mid America Mortgage COO Kara Lamphere Recognized as Leading Female Mortgage Professional by HousingWire, Mortgage Professional
ADDISON, Texas, Aug. 7, 2017 (SEND2PRESS NEWSWIRE) — Mid America Mortgage, Inc. (Mid America) announced today that Chief Operating Officer (COO) Kara Lamphere has been honored by two mortgage industry media outlets for her contributions to both Mid America and the industry at large.
Mid America Mortgage Promotes Kara Lamphere to Chief Operating Officer
ADDISON, Texas, Aug. 3, 2017 (SEND2PRESS NEWSWIRE) — Mid America Mortgage, Inc. (Mid America) announced today it has promoted former Chief Compliance Officer and Director of Correspondent Lending Kara Lamphere to Chief Operating Officer (COO).
Dallas Business Journal Names The Cooksey Team to ‘2017 Best Places to Work’
DALLAS, Texas, July 10, 2017 (SEND2PRESS NEWSWIRE) — The Cooksey Team, a top producing retail branch of Mid America Mortgage, Inc., announced today it has been recognized by Dallas Business Journal as one of its “2017 Best Places to Work” in the Dallas-Fort Worth area. More than 500 companies submitted nominations, and only 100 companies […]
Mid America Mortgage Purchases eNote from First eClosing Transaction in North Carolina
ADDISON, Texas, May 25, 2017 (SEND2PRESS NEWSWIRE) — Mid America Mortgage, Inc. (Mid America) announced today it has purchased the eNote from North Carolina’s first eMortgage transaction. The transaction, which was completed entirely electronically on May 5, was a refinance for a property in Winston-Salem and was executed by Hickory-based North State Bank. Upon completion […]
Mid America Mortgage Purchases $2.7 Billion in Mortgage Servicing Rights
ADDISON, Texas, April 27, 2017 (SEND2PRESS NEWSWIRE) — Mid America Mortgage, Inc. (Mid America) announced today it has acquired the mortgage servicing rights (MSRs) for $2.7 billion in government loans. The portfolio includes a number of delinquent VA- and FHA-insured loans.
Mid America Mortgage CEO Jeff Bode Named Mortgage Industry ‘Vanguard’ by HousingWire Magazine
ADDISON, Texas, Dec. 1, 2016 (SEND2PRESS NEWSWIRE) — Mid America Mortgage, Inc. (Mid America) announced today that its Owner and Chief Executive Officer Jeff Bode has been recognized by HousingWire magazine in its second annual HW Vanguard Awards(TM) program.
Mid America Mortgage Adds Delinquent FHA-Insured Loans to Whole Loan Purchase Program
ADDISON, Texas, Sept. 8, 2016 (SEND2PRESS NEWSWIRE) — Mid America Mortgage, Inc. (Mid America) Owner and Chief Executive Officer Jeff Bode today announced the firm will begin purchasing delinquent FHA loans as part of its whole loan purchase program. To be eligible for purchase, loans must have an active mortgage insurance certificate, and the original […]