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contributors Get to know the experts and insiders behind this issue. ROBERT H. HOSCH JR. is the senior partner with Butler & Hosch, P a regional .A, law firm celebrating 40 years representing the mortgage banking industry. Hosch joined the firm in 1988 and for the last 23 years has focused on the legal issues facing the mortgage banking servicing industry. He is a frequent industry panelist on foreclosure, title, and banking topics and has consulted on several state and federal issues including the Fair Debt Collections Act. Hosch is a member of ALFN, Florida Bar Association, Orange County Bar Association, Legal League 100, and the Mortgage Bankers Association. BILL IRELAND writes on housing-related issues for various publications. He is also senior editor at PartnerFirst, a nationwide short sale network based in Corona, California. In that capacity he writes and edits educational material for real estate agents; provides industry updates on current issues, programs, and policies; and regularly contributes to the group's blog on the short sale market. In his work, he draws on more than 10 years' experience as a real estate professional and a broad background in various writing genres that includes feature articles, monthly real estate columns, humor columns, and ghostwriting. ANNE MAIL is a freelance writer working out of the Indianapolis area. She has experience in accounting, insurance underwriting, and marketing. She graduated in 2010 from DePauw University with a bachelor's degree in economics. Mail brings a fresh, new perspective to the issues taxing the mortgage default servicing industry—perspective that is grounded in the fundamental fiscal tenets that keep the nation's financial system humming. Her previous contributions to DS News openly and candidly told the story of the industry's private mortgage insurers from the perspective of those inside the struggling sector and examined the government's REO rental initiative and its inherent obstacles. THOMASINA MOORE graduated summa cum laude from Nova Southeastern University's Shepard Broad Law Center in 1993 and is licensed to practice in Florida. She has practiced in the default arena for over a decade, providing mortgage loan originators, servicers, and investors statewide representation in cases initiated by consumers independently or arising within mortgage foreclosures. Additionally, Moore previously served as a senior staff attorney for the Second District Court of Appeal and gained broad civil practice experience before transitioning her practice to one concentrated on lender representation. Moore is director of strategic legal initiatives with the law firm of Butler & Hosch, P .A. RICK SHARGA, EVP at Carrington Mortgage Holdings, LLC, has appeared on NBC Nightly News, CNN, CBS, ABC World News, CNBC, FOX, and NPR. He has briefed government organizations such as the Federal Reserve and Senate Banking Committee and corporations like JPMorgan Chase, Citibank, and Deutsche Bank on foreclosure trends. He's also led foreclosure training for leading real estate organizations such as RE/MAX, Prudential, and Keller Williams. Prior to joining Carrington, Sharga spent eight years as an SVP at RealtyTrac, where he was responsible for marketing, business development, and data operations. chairman and chief creative officer chief operating officer sponsorships national director of force force executives marketing design production economist corporate office washington bureau Mark Hulme Rick Creel Jason Myers: 214.525.6760 Ami Curtis Brandi Jobe Brook Keller Travis Bogdon Matt Hulme art director: Sean Walker art director: Jason Stone art director: Jonathon Won Christian McCrossan Mark Lieberman 1909 Woodall Rodgers, Suite 300 Dallas, Texas 75201 Phone: 800.856.8060 1101 Pennsylvania Ave. NW, Suite 600 Washington, D.C. 20004 Phone: 202.393.5511 JOHN WALSH is the president of Milford, Connecticut-based Total Mortgage Services, the parent company of wholesale lender TMS Funding. After graduating from the University of Connecticut with a finance degree in hand, Walsh began his journey in the mortgage industry as a loan officer for a bank in Hartford, Connecticut. He founded Total Mortgage Services in 1997 with a customer-centric approach and a clear mission of responsible lending, built upon the foundation of a strong back office and individualized customer service. In 2009, Walsh launched a wholesale division under the Total Mortgage Services brand called TMS Funding.  ADAM WEINSTEIN is an editor, reporter, and consultant specializing in macroeconomics, security, and international developments. He is also the CEO of Weinstein Editorial Services, Inc., a full-service communications and marketing firm. A former editor for the Wall Street Journal, his work has appeared in numerous publications, including the New York Times, Newsweek, and Mother Jones. He also worked as a media analyst for the U.S. government in Iraq. Weinstein is currently based out of Tallahassee, Florida, where he has a first-hand look at the swath of devastation left behind by the housing crisis. 6 No part of this publication may be reproduced without written permission from the publisher. ©2012 REO Publishing LLC All Rights Reserved This publication is intended to provide accurate, authoritative, and detailed information in regard to the subject matter covered. All written materials are disseminated with the understanding that the publisher is not engaged in rendering legal advice or other professional services. Under no circumstance should the information contained herein be relied upon as legal advice as it is designed to be a source of information only. DS News strongly encourages the use of qualified attorneys or other qualified experts with regard to the subject matter covered. DS News does not guarantee the accuracy of the information and is not liable for any damages, losses, or other detriment that may result from the use of these materials.

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