Tag Archives: Georgia Business

Down Payment Resource CEO Rob Chrane honored as 2024 RISMedia Newsmaker

ATLANTA, Ga. /ScoopCloud/ -- Down Payment Resource (DPR), the housing industry's leading technology for connecting home buyers with homebuyer assistance programs, today announced that its Founder and CEO Rob Chrane has been named a RISMedia 2024 Real Estate Newsmaker. Newsmakers are recognized for their contributions to the real estate industry and their efforts to positively impact the consumers and communities they serve.

Chrane was honored in the Crusader category for his relentless commitment to "championing a better way." By developing technology that helps housing professionals connect homebuyers with homebuyer assistance programs, he has profoundly impacted the lives of countless individuals and families striving to achieve homeownership.

Chrane is a 30-year veteran of the housing industry. In 2008, he founded DPR to help people clear the largest hurdle to their homeownership dreams: down payment and closing costs. With his team, Chrane has built the only comprehensive database of homebuyer assistance programs in the nation. To date, DPR has connected more than 6 million unique users with homebuyer assistance program information.

"Sustainable homeownership feels out of reach for many, especially those in underserved communities," said Chrane. "Connecting potential homebuyers with lenders and programs that can help them build wealth and stability is one of the most fulfilling goals I have chased, and I look forward to continuing to support equitable homeownership across the country."

"From the creativity and innovation being implemented through the shifting and challenging 2023 market, to industry records being broken, to the wonderful charitable work being done across the nation, we continue to be amazed by the ingenuity and success of these real estate professionals," said John Featherston, founder, CEO and publisher of RISMedia.

To learn more about RIS Media's 2024 Newsmakers, visit https://www.rismedia.com/newsmaker/rob-chrane-2024/

About Down Payment Resource:

Down Payment Resource (DPR) is the housing industry authority on homebuyer assistance program data and solutions. With a database that tracks more than 2,200 programs and toolsets for mortgage lenders, multiple listing services and API users, DPR helps housing professionals connect homebuyers with the assistance they need. DPR frequently lends its expertise to nonprofits, housing finance agencies, policymakers, government-sponsored enterprises and trade organizations seeking to improve housing affordability. Its technology is used by five of the top 10 retail mortgage lenders by volume, three of the four largest real estate listing websites and 600,000 real estate agents. For more information, visit https://downpaymentresource.com/.

X/Twitter: @DwnPmtResource #downpaymentassistance

Down Payment Resource (DPR), the housing industry's leading technology for connecting home buyers with homebuyer assistance programs, today announced that its Founder and CEO Rob Chrane has been named a RISMedia 2024 Real Estate Newsmaker. Newsmakers are recognized for their contributions to the real estate industry and their efforts to positively impact the consumers and communities they serve.

Related link: https://www.downpaymentresource.com/

Down Payment Resource presents Housing and Education Alliance Founder and Executive Director Sylvia Alvarez with 2023 Beverly Faull Affordable Housing Leadership Award

ATLANTA, Ga. /ScoopCloud/ -- Down Payment Resource (DPR), the housing industry's leading technology for connecting home buyers with homebuyer assistance programs, today announced that it selected Sylvia Alvarez, founder and executive director of Housing and Education Alliance (HEA), as the winner of its 2023 Beverly Faull Affordable Housing Leadership Award.

Now in its sixth year, the Beverly Faull Affordable Housing Leadership Award recognizes an individual or organization that has exhibited a steadfast commitment to expanding access to affordable homeownership. DPR created the award program in memory of one of its first employees, Beverly Faull, for her wholehearted dedication to the company's mission to improve access to homebuyer assistance programs.

Long-time housing advocate and HUD-certified Housing Counselor Alvarez founded HEA in 2002 to serve residents of Tampa Bay, Fla. HEA has delivered more than $126 million in down payment assistance to low- and moderate-income (LMI) families in support of 12,000+ home purchases. The non-profit has received many awards including the coveted "NonProfit of the Year" through PBS's national program the Be More Awards.

Alvarez is a highly respected housing advocate and has worked with the U.S. Treasury, HUD, the Department of Agriculture and has been invited to the White House six times to consult on housing issues. She is the co-author of The American Nightmare: Strategies for Preventing, Surviving and Overcoming Foreclosure, which chronicles both the judicial and non-judicial processes, phases, options and consequences of foreclosure and how homeowners can rebuild their credit to purchase a home again. Alvarez has become an advocate and voice for homeless families and is frequently interviewed in local and national media on housing issues.

"We have been a proud partner and admirer of HEA for many years and look toward a brighter future in working together to help even more Tampa families become homeowners," said DPR CEO Rob Chrane. "I see a lot of Beverly [Faull] in Sylvia's determination and leadership style. We are thrilled to recognize her in Beverley's memory."

"I am honored DPR has recognized our efforts to help more than 55,000 Tampa Bay residents secure affordable housing. Our team has been passionate about this issue for more than two decades and continues to help LMI renters in Tampa make the move to homeownership to start to create generational wealth," Alvarez said. "We will continue to work hard to help every deserving applicant have a place to call home."

In recognition of Alvarez's achievements, DPR will make a $5,000 donation to HEA.

To learn more about HEA, visit https://www.heausa.org/.

About Down Payment Resource:

Down Payment Resource (DPR) is the housing industry authority on homebuyer assistance program data and solutions. With a database that tracks more than 2,200 programs and toolsets for mortgage lenders, multiple listing services and API users, DPR helps housing professionals connect homebuyers with the assistance they need. DPR frequently lends its expertise to nonprofits, housing finance agencies, policymakers, government-sponsored enterprises and trade organizations seeking to improve housing affordability. Its technology is used by five of the top 10 retail mortgage lenders by volume, three of the four largest real estate listing websites and 600,000 real estate agents.

For more information, visit https://downpaymentresource.com/.

Down Payment Resource (DPR), the housing industry's leading technology for connecting home buyers with homebuyer assistance programs, today announced that it selected Sylvia Alvarez, founder and executive director of Housing and Education Alliance (HEA), as the winner of its 2023 Beverly Faull Affordable Housing Leadership Award.

Related link: https://www.downpaymentresource.com/

FormFree celebrates its 10th appearance on the HousingWire Tech100

ATHENS, Ga. /ScoopCloud/ -- FormFree® today announced it has been honored as a HousingWire Tech100 Mortgage award winner for a tenth year. The fintech was recognized for the launch of its Residual Knowledge Income Index(tm) (RIKI(tm)), an innovative method for measuring consumers' ability to pay for mortgages and other loans based on cash-flow analysis.

RIKI offers lenders a more complete understanding of a loan applicant's borrowing capacity than traditional credit scores alone, making it possible for lenders to evaluate default risk and extend financing to homebuyers with little to no credit history. By downloading FormFree's Passport Wallet® app, consumers can view their real-time ability to pay, including their RIKI, and connect with home, auto and personal lenders on FormFree Exchange (FFX®), a marketplace that connects lenders with the high-intent, financially vetted borrowers who need them.

"While traditional credit scoring is a valuable resource, we want to ensure lenders have every scrap of data they need to make the right call on any given loan application," said FormFree Founder and CEO Brent Chandler. "By supplementing credit history with granular detail around a borrower's monthly income and expenditures, we empower lenders to provide financing to underserved markets while managing risk. It's an honor to have our efforts recognized as a part of the HousingWire Tech100."

"The technology capabilities and solutions that this year's Tech100 winning organizations have developed are an absolute testament to the relentless innovation within the real estate and mortgage technology landscape," HW Media Editor-in-Chief Sarah Wheeler said. "These past few years have been transformative for the industry, and these honorees are continuing to bring long-awaited solutions to the challenges that mortgage and real estate professionals have struggled with for decades. Congratulations to all the deserving winners for their outstanding contributions to our ever-evolving industry."

Now in its 12th year, HousingWire's Tech100 program recognizes tmpactful and innovative organizations whose technology solutions are driving efficiency, transparency and accessibility across the housing industry. Learn more about the HousingWire Tech100 and view FormFree's full company profile here: https://www.housingwire.com/company-profile/formfree-4/

About FormFree®

FormFree empowers consumers to understand their ability to pay and share it with lenders like never before. Using FormFree's Passport Wallet® app, consumers can share all the core financial data required by loan underwriters - including identity, assets, income, employment, credit history and cash-flow data - in seconds. Once consumers are ready to transact, they can anonymously share their data on the FormFree Exchange (FFX) and receive immediate offers from a marketplace of lenders who fully understand their ability to pay, residual income and eligibility for down payment assistance and inclusive lending programs. For more information, visit https://www.formfree.com/ or follow FormFree on LinkedIn.

FormFree® today announced it has been honored as a HousingWire Tech100 Mortgage award winner for a tenth year. The fintech was recognized for the launch of its Residual Knowledge Income Index(tm) (RIKI(tm)), an innovative method for measuring consumers' ability to pay for mortgages and other loans based on cash-flow analysis.

Related link: https://www.formfree.com/

Divergent CRO Announces Launch of New Contract Research Organization

ATLANTA, Ga. /ScoopCloud/ -- Divergent CRO, a leading provider of clinical services to biotech and device companies, is pleased to announce the official launch of its new Contract Research Organization (CRO). This new venture aims to revolutionize the research and development process by offering comprehensive and tailored clinical services to meet the unique needs of the biotech and device industries.

With an unwavering commitment to excellence, Divergent CRO provides a wide range of services, including clinical trial management, regulatory affairs, data management, biostatistics, and medical writing. By leveraging our extensive expertise, we are dedicated to helping our clients accelerate the development of innovative biopharmaceuticals and medical devices.

Our team of highly skilled professionals, including experienced clinical researchers, project managers, and regulatory specialists, is dedicated to delivering the highest standards of quality and efficiency throughout each stage of the clinical trial process. We understand the challenges faced by biotech and device companies and are committed to providing flexible and cost-effective solutions to meet their specific needs.

Divergent CRO is equipped with cutting-edge technology and infrastructure to ensure the smooth execution of clinical trials. Our advanced data management systems and secure facilities ensure the confidentiality and integrity of study data, while our robust quality assurance processes guarantee compliance with regulatory requirements.

"We are thrilled to launch our new Contract Research Organization and partner with biotech and device companies to advance the development of life-changing therapies," said Divergent CRO's Owner-Partners. "Our team is dedicated to delivering exceptional results and providing the highest level of service to our clients. With our expertise and commitment to excellence, we are confident that we can make a significant impact on the success of their clinical programs."

Divergent CRO is now accepting inquiries and is available to discuss collaboration opportunities with biotech and device companies seeking to enhance their clinical research capabilities.

For more information, please visit Divergentcro.com or contact our business development team at Customerservice@divergentcro.com or (888) 342-1447.

About Divergent CRO:

Divergent CRO is a leading provider of clinical services to biotech and device companies. With a focus on innovation and quality, we strive to accelerate the development of life-changing therapies through our comprehensive and tailored clinical services. We thrive on leaving our clients and patients satisfied by improving human health and wellness. Our team of experts is dedicated to delivering exceptional results and providing the highest level of service to our clients. At Divergent CRO, we don't just manage clinical trials; we craft personalized solutions, striving to be the difference by transforming challenges into triumphs in the pursuit of groundbreaking healthcare innovation.

Learn more at: https://divergentcro.com/

Social Links:

LinkedIn Page: https://www.linkedin.com/company/divergentcro/

Instagram: https://www.instagram.com/divergent.cro/

TikTok: https://www.tiktok.com/@divergentcro1

YouTube: https://www.youtube.com/@DivergentCRO

Featured Podcasts:

The Jali Podcast - Melyssa Barrett/DivergentCRO - https://melyssabarrett.com/the-jali-podcast/

Episode Thirty-one - AMY HUTTO, PRODUCTIVITY COACH - https://amyhutto.com/podcast/s1ep30

Divergent CRO, a leading provider of clinical services to biotech and device companies, is pleased to announce the official launch of its new Contract Research Organization (CRO). This new venture aims to revolutionize the research and development process by offering comprehensive and tailored clinical services to meet the unique needs of the biotech and device industries.

Related link: https://divergentcro.com/

Down Payment Resource reports 135 homebuyer assistance programs were introduced in 2023 to combat the least affordable housing market in decades

ATLANTA, Ga. /ScoopCloud/ -- Down Payment Resource (DPR), the housing industry authority on homebuyer assistance program data and solutions, today released its Q4 2023 Homeownership Program Index (HPI) report. During a year when home affordability hit a nearly four-decade low, housing agencies introduced 135 homebuyer assistance programs and expanded eligible inventory to make homeownership more accessible.

"As the housing market grappled with historic affordability challenges in 2023, our HPI report reveals a critical response: the introduction of 135 innovative homebuyer assistance programs - a six-percent increase over the previous year. This surge in programs, which now totals 2,294 nationwide, represents a concerted effort by housing agencies to expand opportunities and break down barriers to homeownership," said Rob Chrane, Founder and CEO of DPR. "With a significant increase in programs for manufactured homes, multi-family properties, and specific buyer demographics like service members and Native Americans, this year's report underscores a growing commitment to diversify housing solutions and empower a broader spectrum of aspiring homeowners."

Key HPI Report Findings

An examination of the existing 2,294 homebuyer assistance programs on January 8, 2024, resulted in the following key findings:

* 804 programs allow for the purchase of a manufactured home, up 20% from the previous year. Housing agencies are expanding program eligibility to include more property types. Manufactured housing has a lower entry point than other types of homes and is helping many buyers get their foot in the door. DPR expects to see the number of programs that allow for manufactured housing continue to grow.

* 686 programs allow for the purchase of a multi-family property, up 8% from the previous year. Using DPA to purchase a multi-family property has become increasingly popular. This allows people to become homebuyers as well as investors - a strategy that has been called "house hacking" in recent years. In addition to completing a homebuyer education class, borrowers purchasing a multi-family home with homebuyer assistance typically have to go through classes on being a landlord to ensure long-term sustainability.

* 448 programs are funded by state Housing Finance Agencies (HFAs), up 2% from the previous year. Programs from state HFAs account for 20% of all programs.

- 86 programs are offered through Florida's State Housing Initiatives Partnership (SHIP), up 12 programs from Q4 2022. Florida Housing's SHIP program funds are distributed on an entitlement basis to all 67 counties and 55 Community Development Block Grant entitlement cities in Florida. SHIP dollars may be used to fund emergency repairs, new construction, rehabilitation, down payment and closing cost assistance, impact fees, construction and gap financing, mortgage buy-downs, acquisition of property for affordable housing, matching dollars for federal housing grants and programs, and homeownership counseling.

* 922 programs are available through municipalities, up 5% from the previous year. There has been steady growth in programs from municipalities, especially states with high home prices like California, where many homebuyers struggle with affordability.

* 475 DPA programs are available through nonprofits, up 15% from the previous year.

* 194 programs are "incentive" programs, meaning they target a segment of homebuyers by profession or ethnicity. In Q4 2023, there was a 47% increase in programs YoY for service members and Veterans and a 13% increase in programs targeting Native American homebuyers.

A more detailed analysis of the Q4 2023 HPI findings, including infographics and examples of the programs described in this release, can be found on DPR's website at: https://downpaymentresource.com/professional-resource/the-down-payment-resource-q4-2023-homeownership-program-index-report/.

For a complete list of homebuyer assistance programs by state, visit: https://downpaymentresource.com/wp-content/uploads/2024/01/HPI-state-by-state-data.Q42023.pdf.

Methodology

Published quarterly, DPR's HPI surveys the funding status, eligibility rules and benefits of U.S. homebuyer assistance programs administered by state and local housing finance agencies, municipalities, nonprofits and other housing organizations. DPR communicates with over 1,300 program providers throughout the year to track and update the country's wide range of homeownership programs, including down payment and closing cost programs, Mortgage Credit Certificates (MCCs) and affordable first mortgages, in the DOWN PAYMENT RESOURCE(r) database.

About Down Payment Resource:

Down Payment Resource (DPR) is the housing industry authority on homebuyer assistance program data and solutions. With a database that tracks more than 2,200 programs and toolsets for mortgage lenders, multiple listing services and API users, DPR helps housing professionals connect homebuyers with the assistance they need. DPR frequently lends its expertise to nonprofits, housing finance agencies, policymakers, government-sponsored enterprises and trade organizations seeking to improve housing affordability. Its technology is used by five of the top 10 retail mortgage lenders by volume, three of the four largest real estate listing websites and 600,000 real estate agents. For more information, visit https://downpaymentresource.com/.

Down Payment Resource (DPR), the housing industry authority on homebuyer assistance program data and solutions, today released its Q4 2023 Homeownership Program Index (HPI) report. During a year when home affordability hit a nearly four-decade low, housing agencies introduced 135 homebuyer assistance programs and expanded eligible inventory to make homeownership more accessible.

Related link: https://www.downpaymentresource.com/

Down Payment Resource’s Executive Vice President Sean Moss honored in National Mortgage Professional’s 2024 Industry Titans awards program

ATLANTA, Ga. /ScoopCloud/ -- Down Payment Resource (DPR), the housing industry's leading technology for connecting home buyers with homebuyer assistance programs, today announced its Executive Vice President of Product and Operations Sean Moss has been selected as an Industry Titan by National Mortgage Professional (NMP) magazine. The award recognizes experienced professionals who show exceptional dedication, compassion and integrity who are improving the mortgage industry for both industry professionals and the clients they serve.

NMP recognized Moss for more than a decade of dedication to making homeownership possible for low-to-moderate income (LMI) homebuyers. Moss guides DPR to simplify, standardize and expand access to important but underutilized homebuyer assistance programs, including down payment assistance (DPA). With his laser focus on evolving DPR's products to empower professionals and homebuyers nationwide, Moss embodies the compassion and advocacy of an Industry Titan.

"I am deeply honored to be recognized as an Industry Titan by National Mortgage Professional magazine. This accolade is not just a reflection of my personal commitment, but it is a testament to the collective efforts of our team at Down Payment Resource," said Moss. "Our mission has always been to make homeownership more accessible, especially for low-to-moderate income families. By simplifying and expanding access to homebuyer assistance programs, we are not just offering financial solutions but are empowering dreams and building stronger communities. I am proud of the impact we've made and am excited to continue our work in revolutionizing the housing industry for the betterment of homebuyers and professionals alike."

Sean Moss has more than 18 years of experience in the real estate and finance industry. As DPR's executive vice president of product and operations, Moss oversees product strategy and development and collaborates with customers and partners to implement new solutions for affordable lending challenges. DPR keeps tabs on every homebuyer assistance program in the country by communicating with over 1,300 program providers year-round and keeping more than 2,200 programs up to date in its DPA Directory.

The full list of 2024 Industry Titans honorees can be viewed on the National Mortgage Professional website.

About Down Payment Resource:

Down Payment Resource (DPR) is the housing industry authority on homebuyer assistance program data and solutions. With a database that tracks more than 2,200 programs and toolsets for mortgage lenders, multiple listing services and API users, DPR helps housing professionals connect homebuyers with the assistance they need. DPR frequently lends its expertise to nonprofits, housing finance agencies, policymakers, government-sponsored enterprises and trade organizations seeking to improve housing affordability. Its technology is used by five of the top 10 retail mortgage lenders by volume, three of the four largest real estate listing websites and 600,000 real estate agents. For more information, visit https://downpaymentresource.com/.

Down Payment Resource (DPR), the housing industry's leading technology for connecting home buyers with homebuyer assistance programs, today announced its Executive Vice President of Product and Operations Sean Moss has been selected as an Industry Titan by National Mortgage Professional (NMP) magazine. The award recognizes experienced professionals who show exceptional dedication, compassion and integrity who are improving the mortgage industry for both industry professionals and the clients they serve.

Related link: https://www.downpaymentresource.com/

Alliance Group and Four-Time Olympian Chaunté Lowe Join Forces for 2024 Living Benefits Awareness Month, National Life Group Joins as Co-Sponsor

LAWRENCEVILLE, Ga. /ScoopCloud/ -- Alliance Group, a leading IMO in the insurance industry, is thrilled to announce an exciting partnership with four-time Olympian and American high jump record holder, Chaunté Lowe, for Living Benefits Awareness Month (LBAM) in January 2024. In a demonstration of their shared commitment to spreading consumer awareness about Living Benefits, National Life Group has also stepped in as a co-sponsor of this pivotal event.

Living Benefits Awareness Month serves as a vital platform to underscore the significance of Living Benefits insurance policies, emphasizing the importance of consumers having Living Benefits features built into their life insurance policies that allow access while they're still living if they suffer a covered critical illness, critical injury, or chronic illness. Alliance Group, in conjunction with Chaunté Lowe, is proud to introduce her as the official spokesperson for LBAM, adding a new dimension to this important cause.

Chaunté Lowe boasts an impressive athletic career, with four Olympic Games appearances, solidifying her position as a prominent figure in American high jumping history. Beyond her sporting achievements, Chaunté is a symbol of unwavering determination and resilience. In 2019, she courageously faced and overcame breast cancer, a testament to her remarkable strength. Chaunté's Living Benefits policy, which she had put in place just two years prior to her diagnosis, provided her a "shining ray of light and hope" in knowing that her policy would provide an additional layer of financial security during her cancer battle.

"When I was offered this opportunity to have a platform to share the importance of owning Living Benefits, I was so excited to get started," said Lowe. "Every family, business, or person who can qualify for them must know what Living Benefits are and how they bring financial protection against life's most difficult health challenges. I'm talking about real cash money in your hands, during the crisis when you need it most. I'm so proud to join Alliance Group in this campaign to get the message of Living Benefits Awareness out there."

Alliance Group, in its seventh annual LBAM, is taking the event to new heights by featuring Chaunté Lowe in an engaging social media campaign. Alongside this, the company will unveil a host of shareable videos, all showcasing Chaunté's inspirational career, cancer battle, and passion as the first-ever LBAM spokesperson. Comprehensive customizable websites, email campaigns and a suite of resources are being made available to Alliance Group's partnered independent life insurance agents and agencies, empowering them to actively participate in LBAM throughout January to spread the word.

"Chaunté Lowe's extraordinary journey, from her remarkable sporting career to her triumphant battle against breast cancer, makes her the ideal ambassador for Living Benefits Awareness Month," noted Samuel Howe, CMO at Alliance Group. "We are thrilled to have Chaunté as our official spokesperson and are grateful to National Life Group for their invaluable support in making this partnership a reality. Together, we are dedicated to highlighting the importance of Living Benefits insurance, ensuring individuals and families are better prepared for life's unexpected challenges."

National Life Group is equally enthusiastic about co-sponsoring this initiative. "Since 1848, National Life Group's mission has been to bring peace of mind to our policy holders and their families," shared Matt Frazee, EVP/CMO, National Life Group. "We've always believed that life insurance should offer more than the expected, and we're excited to join Alliance in helping to shine a light on the power of life insurance with Living Benefits."

For further details about Living Benefits and LBAM, visit https://livingbenefits101.com/.

About Alliance Group:

As "The Living Benefits IMO," Alliance Group provides independent agents and agencies across the United States with superior marketing and training solutions. Since 1998, Alliance Group has been helping its partners spread awareness about Living Benefits life insurance, while also helping them solve their clients' puzzles regarding tax-free retirement, mortgage protection, small business planning, estate planning needs, and more. More information about Alliance Group and its services can be found at https://www.alliancegrouplife.com/.

About National Life Group:

National Life Group® is a trade name of National Life Insurance Company, founded in Montpelier, Vermont, in 1848, Life Insurance Company of the Southwest, Addison, Texas, chartered in 1955, and their affiliates. Each company of National Life Group is solely responsible for its own financial condition and contractual obligations. Life Insurance Company of the Southwest is not an authorized insurer in New York and does not conduct insurance business in New York.

Living Benefits are provided by riders, which are supplemental benefits that can be added to a life insurance policy and are not suitable unless you also have a need for life insurance. Riders are optional, may require additional premium and may not be available in all states or on all products. This is not a solicitation of any specific insurance policy. All policies are subject to their specific terms and conditions.

News from Alliance Group

Alliance Group, a leading IMO in the insurance industry, is thrilled to announce an exciting partnership with four-time Olympian and American high jump record holder, Chaunté Lowe, for Living Benefits Awareness Month (LBAM) in January 2024. In a demonstration of their shared commitment to spreading consumer awareness about Living Benefits, National Life Group has also stepped in as a co-sponsor of this pivotal event.

Related link: https://www.AllianceGroupLife.com/

Depth 2023 growth drives key hires in strategic marketing and content development as residential mortgage and real estate industries poise for reboot

ATLANTA, Ga. /ScoopCloud/ -- Depth, a leading provider of consultative B2B marketing, public relations and reputation management services for technology companies in the residential mortgage finance, financial technology (fintech), real estate technology (REtech) and related regulatory technology (regtech) industries, will close 2023 with a significantly larger internal team and client roster in anticipation of continued rebound for mortgage and real estate volume.

The Georgia-based agency welcomed three new team members in the second half of 2023:

* Adria Riley, client services manager, joined Depth in December after a six-year role as marketing design specialist for mortgage document prep vendor International Document Services (acquired by Wolters Kluwer in 2022).

* Senior Content Writer Laura Lang joined Depth in August, bringing more than 35 years' experience as a writer, including 15 years in the mortgage industry with roles at Freddie Mac and Fannie Mae.

* Roxanne Greeson, Depth's operations engineer and problem solver extraordinaire, joined the team officially after nine years of behind-the-scenes support, spearheading the firm's internal systems and client collaboration platforms.

In addition, Depth announced the promotions of Lindsey Neal and Leslie Colley to executive vice president in October.

"2023 has been a serendipitous year for our firm," said Depth President and Founder Kerri Milam. "We added several new clients, often intersecting again with businesses and business leaders we've served over the last 17 years - each of them eager to have a strategically meaningful impact on their industry. When we hire, we make their needs a priority. We've been fortunate this year to find exceptional, versatile personnel with applicable expertise, including strong backgrounds in fintech, mortgage lending, REtech and real estate transactions to deepen and broaden our services."

Depth has worked shoulder-to-shoulder with the fintechs driving the modernization and digitization of housing finance since its founding in 2006. Since adding several new clients in 2023, the firm now serves almost two dozen technology trailblazers and services innovators spanning grassroots, family-financed startups to global, publicly traded enterprises.

"Our focus on doing business in a truly client-centric way is validated by the value our clients place on our services, even during off-cycle years," said Milam. "I attribute our success this year both to our far-sighted clients and our disciplined client-first approach. For that, we have our staff to thank and recognize."

About Depth:

Depth is a leading independent provider of consultative B2B marketing, public relations and reputation management services for the mortgage lending and residential finance industries. Since 2006, the firm has represented a clientele of established and emerging brands serving mortgage lenders, mortgage servicers, real estate professionals and appraisers. Depth is committed to serving the cause of digital innovation and to practicing the pay-it-forward principle alongside The Golden Rule. A woman-owned business, Depth is a member and supporter of the Mortgage Bankers Association, Housing Finance Strategies and The Mortgage Collaborative.

For more information, visit https://depthpr.com/

Depth, a leading provider of consultative B2B marketing, public relations and reputation management services for technology companies in the residential mortgage finance, financial technology (fintech), real estate technology (REtech) and related regulatory technology (regtech) industries, will close 2023 with a significantly larger internal team and client roster in anticipation of continued rebound for mortgage and real estate volume.

Related link: https://www.DepthPR.com/

Down Payment Resource donates $10,000 to help an Atlantan buy a home this holiday season

ATLANTA, Ga. /ScoopCloud/ -- Down Payment Resource (DPR), the housing industry's leading technology for connecting home buyers with homebuyer assistance programs, today announced a $10,000 donation to the Atlanta Neighborhood Development Partnership to be used as a grant to help an eligible homebuyer working with the local nonprofit housing agency.

"Atlanta is ranked first in home price appreciation (68.6%) and fourth in rent increases (30%) according to data reported by the Atlanta Regional Commission data, factors that make it even harder for first-time homebuyers to get their foot in the door," said DPR Founder and CEO Rob Chrane. "We are proud to partner with ANDP to help a local homebuyer have a homeownership stake in their community. We want to do all we can to tip the scales in favor of homeownership, particularly among traditionally underserved buyers."

ANDP develops, finances, and advocates for affordable housing that promotes racial equity and healthy communities where families thrive. The grant funded by DPR is intended for a buyer whose income is at or below 80 percent of the area median income (AMI) and not receiving additional financial assistance from ANDP. The funds can be used for down payment or closing costs (including a rate buydown) on the purchase of an ANDP property.

"We are pleased to receive donations year-round, but there's something special about gifts received during the holidays that just makes this gift very special. We appreciate the ongoing support of DPR, especially in these times when buying a home may seem out of reach for many," said John O'Callaghan, president and CEO of ANDP. "Gifts like these restore hope for our clients and help them take that all-important step toward building generational wealth through homeownership."

About ANDP:

ANDP was created in 1991 as a result of the merger of the Metropolitan Atlanta Chamber of Commerce's Housing Resource Center and the Atlanta Economic Development Corporation's Neighborhood Development Department. The impetus for ANDP's creation was to address the diminishing supply of affordable housing in the Metropolitan Atlanta region as well as to help reclaim declining neighborhoods in its core. Throughout its history, ANDP has supported the creation of more than 11,000 units of housing for people of low-to-moderate incomes. For more information, visit the ANDP Homes website.

About Down Payment Resource:

Down Payment Resource (DPR) is the housing industry authority on homebuyer assistance program data and solutions. With a database that tracks more than 2,200 programs and toolsets for mortgage lenders, multiple listing services and API users, DPR helps housing professionals connect homebuyers with the assistance they need. DPR frequently lends its expertise to nonprofits, housing finance agencies, policymakers, government-sponsored enterprises and trade organizations seeking to improve housing affordability. Its technology is used by five of the top 10 retail mortgage lenders by volume, three of the four largest real estate listing websites and 600,000 real estate agents. For more information, visit https://downpaymentresource.com/.

Down Payment Resource (DPR), the housing industry's leading technology for connecting home buyers with homebuyer assistance programs, today announced a $10,000 donation to the Atlanta Neighborhood Development Partnership to be used as a grant to help an eligible homebuyer working with the local nonprofit housing agency.

Related link: https://www.downpaymentresource.com/

Renowned Climate Activist and HBCU Green Fund Founder, Felicia Davis, Unveils Empowering Global Youth Initiatives at COP28

ATLANTA, Ga. /ScoopCloud/ -- Distinguished climate activist and founder of the HBCU Green Fund, Felicia Davis, took center stage at the United Nations Climate Change Conference (COP28) in Dubai, making groundbreaking announcements that underscore the organization's commitment to global climate action and youth empowerment.

In a momentous press conference, Davis announced the official opening of the HBCU Green Fund's new Africa office in Senegal and revealed plans for the third annual Pre-COP Africa, African American Youth Climate Summit, set to take place in Dakar in June 2024.

"Establishing a significant presence in Africa positions HBCU Green Fund to give voice to people most impacted by climate change and help to cultivate innovative youth leadership," Davis commented.

Cheikhou Thiome, HBCU Green Fund's Africa director adds, "Our Pre-COP29 summit will bring young leaders, activists, and innovators from the United States and across Africa together in Dakar, Senegal to engage in constructive dialogues, share insights, and ignite climate action."

HBCU Green Fund's Managing Director, Illai Kenney, shared insights into the organization's extensive involvement at COP28, with eight delegates from the United States credentialed through partner Omega Institute, and network representatives from 12 African countries. Kenney emphasized the HBCU Green Fund's dedication to empowering future leaders through supporting youth led projects in Africa and the US.

"We have a unique Eco Spring Break program that is a service-learning experience connecting HBCU students with peers in West Africa that involves hands-on environmental restoration projects. The program offers students, faculty, and alumni the chance to plant trees, dig wells, plant gardens and gain firsthand experience in addressing environmental challenges," said Kenney.

Dr. Mustafa Santiago Ali, executive vice president, National Wildlife Federation; Hussein Kassim, Ghana project director; Sharon Gakii Mureithi, Kenya project director, and Denise Ayebare, Uganda local youth coordinator joined Davis, Kenney and Thiome for the press conference.

In addition to the press conference, HBCU Green Fund delegates actively contributed to multiple COP28 side events. Davis delivered a powerful keynote speech at the Uganda Pavilion emphasizing the role of youth in addressing the climate crisis. She also participated in a panel discussion with Dr. Ali at the Kenya Pavilion and Lucky Abeng, a coordinator from Nigeria, organized a conversation that included contributions from Davis and Mithika Mwenda, executive director of the Pan African Climate Justice Alliance. Davis also contributed to side events organized by young climate leaders from Zimbabwe, Burkina Faso, and Tanzania.

Another member of the delegation, Pamela Fann of Impact Energy, moderated a discussion about the energy transition with Davis as a panelist. Fann also coordinated sessions for partner organization, Harambee House/Center for Environmental Justice, featuring renowned environmental justice leader and executive director, Dr. Mildred McClain.

Young leaders in the HBCU Green Fund delegation played a pivotal role in several youth events. Kenney, a former youth activist and the youngest speaker at the UN Conference on Sustainable Development in South Africa in 2002, spoke about cultivating young leaders at the launch of the Stone Soup for a Sustainable World Curriculum. She also organized and facilitated the HBCU Green Fund's day-long workshop and 2024 strategy session for youth delegates. The workshop included a briefing by the founder of the Chisholm Legacy Project, Jacqui Patterson, along with her team, on the Global Afro-Descendant Climate Justice Collaborative.

In response to the overall outcome of COP28 Davis says, "A stronger commitment to phasing out fossil fuels remains a reach, however, acknowledging the need to transition away from fossil fuels is still a small step forward. Ultimately, it is action rather than rhetoric that will make the difference for vulnerable communities already impacted by climate change." She continued, "The HBCU Green Fund's impactful presence at COP28 reflects its commitment to global climate action, sustainability, and empowering the next generation of leaders in the fight against climate change."

For more information on the HBCU Green Fund, Sustainable Africa Network, or the 2024 Pre-COP Africa, African American Youth Climate Summit visit https://hbcugreenfund.org/ or check for @hbcugreenfund on social media.

Distinguished climate activist and founder of the HBCU Green Fund, Felicia Davis, took center stage at the United Nations Climate Change Conference (COP28) in Dubai, making groundbreaking announcements that underscore the organization's commitment to global climate action and youth empowerment.

Related link: https://hbcugreenfund.org/

FormFree president Eric Lapin to speak on artificial intelligence at MISMO Winter Summit

ATHENS, Ga. /ScoopCloud/ -- FormFree® today announced its President Eric Lapin has been selected to speak at the MISMO Winter Summit taking place January 8-11, 2024, at The Woodlands Resort just outside of Houston, Texas. Lapin will speak on a panel titled "Demystifying Artificial Intelligence, Digital Identity and Blockchain" during a brown-bag lunch session on January 9 from 12:30 pm-1:25 pm CT. He will be joined by fellow panelists Devin Caster, principal, product solutions at CoreLogic; Rishi Godse, principal technical architect at USAA; and Shawn Jobe, vice president and head of business development at Informative Research.

A mortgage industry veteran of more than 25 years, Lapin's experience at FormFree and past leadership roles at Old Republic (NYSE: ORI), Black Knight (NYSE: BKI), Credit Suisse (NYSE: CS) and Provident Bank (acquired by PNC) have made him an in-demand speaker on AI, blockchain and other innovative topics related to housing finance technology. His past speaking engagements include the Conference of State Bank Supervisors' Regulatory Summit, the Government Blockchain Association's Blockchain and Infrastructure Conference, Experience FinXTech and NAHREP's TechCon.

"Lenders that want to maintain their innovative edge in 2024 and beyond need to keep pace with the fast-evolving field of artificial intelligence and understand the risks and opportunities it presents to originators, investors and consumers," said Lapin. "By bringing this essential content to its Winter Summit, MISMO is helping mortgage finance leaders prepare for a fundamental shift in the way we do business."

The Mortgage Industry Standards Maintenance Organization (MISMO®) is a not-for-profit, wholly owned subsidiary of the Mortgage Bankers Association responsible for developing standards for exchanging information and conducting business in the U.S. mortgage finance industry. Its three annual summits (Winter, Summer and Fall) facilitate networking and collaboration among industry colleagues while providing opportunities to learn the latest mortgage industry updates.

To register for MISMO's Winter Summit, visit https://www.mismo.org/events-education/mismo-summit-.

About FormFree®:

FormFree empowers consumers to understand their ability to pay and share it with lenders like never before. Using FormFree's Passport® app, consumers can verify all the core financial data required by loan underwriters - including identity, assets, income, employment credit history and cash-flow data - in seconds. Once consumers are ready to transact, they can anonymously share their verified data on the FormFree Exchange (FFX) and receive immediate offers from a marketplace of lenders who fully understand their ability to pay, residual income and eligibility for down payment assistance and inclusive lending programs. For more information, visit https://www.formfree.com/ or follow FormFree on LinkedIn.

FormFree® today announced its President Eric Lapin has been selected to speak at the MISMO Winter Summit taking place January 8-11, 2024, at The Woodlands Resort just outside of Houston, Texas. Lapin will speak on a panel titled "Demystifying Artificial Intelligence, Digital Identity and Blockchain" during a brown-bag lunch session on January 9 from 12:30 pm-1:25 pm CT. He will be joined by fellow panelists Devin Caster, principal, product solutions at CoreLogic; Rishi Godse, principal technical architect at USAA; and Shawn Jobe, vice president and head of business development at Informative Research.

Related link: https://www.formfree.com/

FormFree appoints Solvent CEO DIVINE as head of culture

ATHENS, Ga. /ScoopCloud/ -- FormFree® today announced the appointment of former hip-hop/rap recording artist-turned-techpreneur Victor D. Lombard, professionally known as DIVINE, as head of culture.

DIVINE is the CEO and founder of Solvent, a fintech focused on financial empowerment for marginalized groups. Solvent broke ground in 2022 when it was accepted as part of the inaugural cohort of Amazon's AWS Impact Accelerator for Black Founders, an eight-week program designed to help high-potential, pre-seed startups led by under-represented founders.

Additionally in 2022, Solvent was accepted into Village Capital's Innovations in Justice Tech, a fellowship program in collaboration with AmFam Institute and Dream.org that supports entrepreneurs building innovations to improve the lives of individuals and communities impacted by the justice system.

DIVINE grew up in Fort Greene, Brooklyn, and endured childhood poverty and incarceration at age 19. Realizing his potential was boundless but his options were limited, following his release DIVINE took a leap of faith and asked Ben Horowitz, general partner and co-founder of venture capital firm Andreessen Horowitz, to mentor him. Horowitz, who grew up a hip-hop/rap fan in Berkeley, California, agreed. The mentorship proved a turning point for DIVINE, and his transformation from system-impacted youth to tech-founder has been featured in Forbes, TechCrunch, Black Enterprise, Entrepreneur and Inc.

"We are extremely pleased that DIVINE has joined us and feel he is uniquely qualified to convey our message of financial parity for unserved and underserved communities," said FormFree CEO and founder Brent Chandler. "DIVINE will be on the front lines of FormFree's engagement of unserved and underserved communities he connects with in ways that are authentic and impactful."

DIVINE joined Chandler and Kevin Harrington of ABC's Shark Tank fame at the Mortgage Bankers Association's 2023 Convention & Expo in support of FormFree's launch of Passport and the FormFree Exchange (FFX). Following a discussion of the opportunities lenders have to meet a diverse array of homebuyers with a consumer-centric experience, DIVINE closed out the session with a performance of his song H.O.P.E. (Helping Oppressed People Elevate).

As head of culture at FormFree, DIVINE will use his new platform and hip-hop/rap talent to reach out to unserved and underserved urban renters with messages of financial empowerment and hope. Further, DIVINE will work closely with Harrington in a collaborative partnership with FormFree to bring awareness and empowerment to this audience.

"Hip-hop/rap culture and music in particular is a universal and global language," said DIVINE. "What better way than using it to help build awareness of the benefits of homeownership and provide a technology bridge so people will be able to take control of their financial futures."

"Technologies like Passport and the FormFree Exchange can change everything for minority homebuyers, getting rid of the disregard on one side and distrust on the other. It takes all the judgment away. Borrowers can raise their profile with lenders, and lenders know they're creditworthy and compete for their business, so it's a win-win for buyers and lenders," added DIVINE. "With Solvent and FormFree's shared mission and vision, there's a perfect alignment, and I'm really proud to be part of this unique partnership to bring about transformation."

About FormFree®:

FormFree empowers consumers to understand their ability to pay and share it with lenders like never before. Using FormFree's Passport® app, consumers can verify all the core financial data required by loan underwriters - including identity, assets, income, employment credit history and cash-flow data - in seconds. Once consumers are ready to transact, they can anonymously share their verified data on the FormFree Exchange (FFX) and receive immediate offers from a marketplace of lenders who fully understand their ability to pay, residual income and eligibility for down payment assistance and inclusive lending programs. For more information, visit https://www.formfree.com/ or follow FormFree on LinkedIn.

FormFree® today announced the appointment of former hip-hop/rap recording artist-turned-techpreneur Victor D. Lombard, professionally known as DIVINE, as head of culture. DIVINE is the CEO and founder of Solvent, a fintech focused on financial empowerment for marginalized groups.

Related link: https://www.formfree.com/

Strategic Benefits Advisors hires industry veteran Michael Yaschik as a senior benefits consultant

ATLANTA, Ga. /ScoopCloud/ -- Strategic Benefits Advisors (SBA) today announced the appointment of Michael Yaschik as a senior benefits consultant. In this role, Yaschik will counsel SBA's clients as they navigate both strategic benefits initiatives and everyday administration of their pension, 401(k) and health and welfare (H&W) plans.

Yaschik brings more than 25 years of pension consulting experience to SBA. He most recently served as a senior project manager at global professional services firm Aon (NYSE: AON), where he managed a team of customer service representatives, pension analysts and technical analysts as they helped new clients implement custom pension administration systems and provided ongoing pension administration services. Prior to his 24 years at Aon, Yaschik was a benefits analyst for Atlanta-based pulp and paper company Georgia-Pacific.

"At this time of sweeping transformation in the benefits landscape, employers need experienced advisors they can rely on for sound guidance and creative approaches for anticipating and solving problems," said SBA Founding Principal Mindy Zatto. "SBA is proud to welcome Michael Yaschik as a senior benefits consultant. His quarter-century of experience significantly augments a team we are already proud to call one of the most tenured in the business."

"The most rewarding part of my career has been building long-term trust with clients through the delivery of thoughtful guidance and attentive service," said Yaschik. "I'm excited to join a team that shares these values, and I am energized by the opportunity to forge new relationships and solve fresh challenges on behalf of SBA's clients."

Yaschik earned his bachelor's degree in risk management in 1997 from the University of Georgia's Terry College of Business, where he graduated cum laude. He earned his master's degree in business administration (MBA) in finance from Georgia State University's J. Mack Robinson College of Business in 2000.

About Strategic Benefits Advisors:

Strategic Benefits Advisors, Inc. (SBA) is an independent, full-service employee benefits consulting firm focused on creatively and effectively solving complex benefits issues for clients ranging from 1,000 to over 300,000 employees. Founded in 2002 by veteran consultants Mindy Zatto and Andy Adams, SBA provides practical consulting recommendations and expert implementation of solutions for all types of employee benefits programs, including retirement, health and welfare, financial wellness and employee recognition. With an average of over 25 years in the field, SBA's team of actuaries, consultants and systems specialists is among the most experienced in the industry.

For more information, visit https://www.sba-inc.com/.

Strategic Benefits Advisors (SBA) today announced the appointment of Michael Yaschik as a senior benefits consultant. In this role, Yaschik will counsel SBA's clients as they navigate both strategic benefits initiatives and everyday administration of their pension, 401(k) and health and welfare (H&W) plans.

Related link: https://www.sba-inc.com/

FormFree welcomes MX Founder and Executive Chair Ryan Caldwell to its board of directors

ATHENS, Ga. /ScoopCloud/ -- FormFree® today announced the appointment of MX Technologies, Inc. (MX) Founder and Executive Chair Ryan Caldwell to its board of directors. Caldwell brings more than 20 years of experience in financial services and fintech, helping organizations around the world harness the power of financial data to improve business and consumer outcomes.

"Few people bring the passion and vision to a challenge like Ryan Caldwell. He is a strong advocate for creating an open finance ecosystem that offers improved financial outcomes for consumers and the businesses that serve them, which aligns with our own philosophy," said FormFree founder and CEO Brent Chandler. "We're honored to have Ryan join our board of directors as we decentralize consumer financial data and democratize access to credit."

Caldwell founded MX as a mission-driven organization focused on empowering the world to be financially strong. Prior to founding MX, Caldwell built and successfully exited multiple technology startups and performed consulting work in the United States, Singapore and London for large corporations, including Visa and Microsoft.

"I am excited to continue my work with FormFree, now as a board member," said Ryan Caldwell, founder and executive chair, MX. "We share a vision to improve consumer and business outcomes by helping businesses to reliably connect and verify financial data, gain customer intelligence and deliver personalized money experiences to improve customer engagement and retention."

Caldwell and Chandler share parallel philosophies ranging from a conviction to help empower financial strength and freedom to honoring and protecting our service members and precious freedoms. Caldwell completed the majority of undergraduate hours at the United States Air Force Academy and transferred to the Marriot School of Management at BYU to finish his degree in Business Management with an emphasis in Information Systems.

About FormFree®:

FormFree empowers consumers to understand their ability to pay and share it with lenders like never before. Using FormFree's Passport® app, consumers can verify all the core financial data required by loan underwriters - including identity, assets, income, employment credit history and cash-flow data - in seconds. Once consumers are ready to transact, they can anonymously share their verified data on the FormFree Exchange (FFX) and receive immediate offers from a marketplace of lenders who fully understand their ability to pay, residual income and eligibility for down payment assistance and inclusive lending programs.

For more information, visit https://www.formfree.com/ or follow FormFree on LinkedIn.

X/Twitter: @RealFormFree #mortgage #mortgageindustry #fintech #digitalmortgage @mX

FormFree® today announced the appointment of MX Technologies, Inc. (MX) Founder and Executive Chair Ryan Caldwell to its board of directors. Caldwell brings more than 20 years of experience in financial services and fintech, helping organizations around the world harness the power of financial data to improve business and consumer outcomes.

Related link: https://www.formfree.com/

Down Payment Resource highlights 61 down payment assistance programs offering up to $120,000 in funds for Veterans and service members

ATLANTA, Ga. /ScoopCloud/ -- Down Payment Resource (DPR), the housing industry authority on homebuyer assistance program data and solutions, is highlighting homebuyer assistance programs to support Veterans, service members and their surviving spouses in conjunction with Veterans Day and Military Family Appreciation Month, both observed in November. While service members are eligible for any of the 2,200-plus U.S. homebuyer assistance programs, DPR found there are 61 programs offering up to $120,000 in assistance specifically developed to help them build, buy or make accessibility-related home renovations.

According to the Urban Institute, 78 percent of Veteran households were homeowners, 14 percentage points higher than the total population. Active-duty service members, who are often relocated every few years, had a homeownership rate of 43 percent. Military families are not only challenged by frequent relocation (Permanent Change of Station or PCS orders) but are struggling financially in a housing market with rising home prices and mortgage interest rates the highest seen since 2000. Results from the Blue Star Families' Military Family Lifestyle Survey indicate that housing costs and relocation issues have become increasingly stressful and expensive for service members in recent years, making assistance with down payment and other purchasing costs even more essential.

An analysis of the 61 programs showcases the range of assistance available to promote homeownership among Veterans, active-duty service members and their surviving spouses:

* Financial assistance range: The programs offer homebuyer assistance ranging from $2,000 to $120,000.

* Program types: The homeownership assistance program types consist of 24 second mortgage programs, 18 affordable first mortgage programs, 15 grants, and one each below market rate (BMR)/resale restriction program, combined assistance program, voucher program and other assistance type.

* Repayment features: Twenty-four programs offer forgivable assistance, provided that all program conditions, such as owner-occupancy, are met. Fifteen programs are given as gifts with no strings attached provided eligibility criteria are met.

* Program eligibility: Thirty-five programs are for first-time buyers, while 34 are open to repeat buyers or provide a waiver for service members and Veterans.

"Having assistance to buy now, even when interest rates seem high, can help our service members start to build equity, enjoy a sense of community, and have an asset they can keep or sell if they receive PCS orders," said DPR Founder and CEO Rob Chrane. "We are extremely grateful to our Veterans, service members and their families and hope these programs can unlock the doors to homeownership and all the benefits it brings."

Individuals can search for their homebuyer assistance program eligibility for free at https://downpaymentresource.com/are-you-eligible/.

Methodology:

DPR produced homebuyer assistance program findings by analyzing its DOWN PAYMENT RESOURCE(r) database for programs with incentives for people with disabilities. The DOWN PAYMENT RESOURCE(r) database tracks the funding status, eligibility rules and benefits of all U.S. homebuyer assistance programs using data sourced from more than 1,300 housing finance agencies (HFAs), municipalities, nonprofits and other housing organizations. Homebuyer assistance programs of all types are tracked, including down payment and closing cost assistance, Mortgage Credit Certificates and affordable first mortgages.

About Down Payment Resource:

Down Payment Resource (DPR) is the housing industry authority on homebuyer assistance program data and solutions. With a database that tracks more than 2,200 programs and toolsets for mortgage lenders, multiple listing services and API users, DPR helps housing professionals connect homebuyers with the assistance they need. DPR frequently lends its expertise to nonprofits, housing finance agencies, policymakers, government-sponsored enterprises and trade organizations seeking to improve housing affordability. Its technology is used by five of the top 10 retail mortgage lenders by volume, three of the four largest real estate listing websites and 500,000 real estate agents. For more information, https://downpaymentresource.com/.

X/Twitter: @DwnPmtResource #downpaymentassistance #VeteransDay #MilitaryFamilyAppreciationMonth #Veterans

RELATED LINKS

https://bluestarfam.org/research/mfls-survey-release-2023/

Down Payment Resource (DPR), the housing industry authority on homebuyer assistance program data and solutions, is highlighting homebuyer assistance programs to support Veterans, service members and their surviving spouses in conjunction with Veterans Day and Military Family Appreciation Month, both observed in November.

Related link: https://www.downpaymentresource.com/

Down Payment Resource reports housing authorities rolled out 54 homebuyer assistance programs in Q3 and are funding buydowns to offset home affordability crisis

ATLANTA, Ga. /ScoopCloud/ -- Down Payment Resource (DPR), the housing industry authority on homebuyer assistance program data and solutions, reports that homebuyer assistance program administrators are responding to the mounting home affordability crisis by rapidly rolling out new homebuyer assistance programs and funding buydowns.

There are now 2,256 homebuyer assistance programs available to help people affordably finance homes, an increase of 54 programs over the previous quarter, according to DPR's Q3 2023 Homeownership Program Index (HPI) report.*

"Most first-time homebuyers are well aware that interest rates are hitting generational highs and affordability is in the gutter - but what they are not hearing is that there are 2,256 homebuyer assistance programs available to help," said Rob Chrane, founder and CEO of Down Payment Resource. "Program providers are working around the clock to ensure the programs they offer meet the needs of their markets. For this reason, many programs now allow funds to be used for buydowns and other popular financing strategies that take the edge off of monthly mortgage payments."

Key HPI Report Findings

An examination of the 2,256 homebuyer assistance programs that were active as of October 25, 2023, resulted in the following key findings:

* 295 programs will fund buydowns. Buydowns allow borrowers to lower their interest rates by paying an upfront fee. They have become a popular financing strategy as interest rates have surged.

- 253 programs will fund permanent buydowns. Permanent buydowns allow borrowers to lower the interest rate over the life of the mortgage loan by paying an upfront fee. 11.21% of programs support these buydowns.

- 66 programs will fund temporary buydowns. Temporary buydowns allow borrowers to lower their interest rates for a defined number of years at the beginning of the loan by paying an upfront fee.

* 224 programs will fund certain upfront loan fees. 9.93% of programs allow funds to be used to pay the upfront mortgage insurance premium (UFMIP) on FHA loans, the funding fee on VA loans and the guarantee fees on USDA loans.

* 71 programs will fund mortgage insurance (MI) buydowns. These programs allow funds to be used to lower monthly MI premiums.

* 50 new agencies began offering programs. More agencies have stepped up to administer homebuyer assistance programs as affordability worsens. Now, a total of 1,373 agencies provide assistance to aspiring homeowners, a 3.78% increase over the previous quarter.

A more detailed analysis of the Q3 2023 HPI findings, including infographics and examples of the programs described in this release, can be found on DPR's website at: https://downpaymentresource.com/professional-resource/the-down-payment-resource-q3-2023-homeownership-program-index-report/.

For a complete list of homebuyer assistance programs by state, visit: https://downpaymentresource.com/wp-content/uploads/2023/11/HPI-state-by-state-data.Q32023.pdf.

Methodology

Published quarterly, DPR's HPI surveys the funding status, eligibility rules and benefits of U.S. homebuyer assistance programs administered by state and local housing finance agencies, municipalities, nonprofits and other housing organizations. DPR communicates with over 1,300 program providers throughout the year to track and update the country's wide range of homeownership programs, including down payment and closing cost programs, Mortgage Credit Certificates (MCCs) and affordable first mortgages, in the DOWN PAYMENT RESOURCE(r) database.

*On October 25, 2023, DPR updated the way it classifies certain homebuyer assistance programs that are available to the general public but also offer expanded benefits to veterans and military personnel. As a result of the update, DPR's total count of U.S. homebuyer assistance programs was adjusted downward; however, its breakdowns by region, assistance type and funding source remained the same. This change reflects an evolution of DPR's reporting methodology, not a reduction in the overall availability of homebuyer assistance. DPR normalized last quarter's data using its new counting methodology before calculating quarter-over-quarter trends.

About Down Payment Resource:

Down Payment Resource (DPR) is the housing industry authority on homebuyer assistance program data and solutions. With a database that tracks more than 2,200 programs and toolsets for mortgage lenders, multiple listing services and API users, DPR helps housing professionals connect homebuyers with the assistance they need. DPR frequently lends its expertise to nonprofits, housing finance agencies, policymakers, government-sponsored enterprises and trade organizations seeking to improve housing affordability. Its technology is used by five of the top 10 retail mortgage lenders by volume, three of the four largest real estate listing websites and 500,000 real estate agents. For more information, https://downpaymentresource.com/.

Down Payment Resource (DPR), the housing industry authority on homebuyer assistance program data and solutions, reports that homebuyer assistance program administrators are responding to the mounting home affordability crisis by rapidly rolling out new homebuyer assistance programs and funding buydowns.

Related link: https://www.downpaymentresource.com/

Millionaire Mastermind Academy Receives Grant from Truist Foundation to Support Diverse Entrepreneurs

ATLANTA, Ga. /ScoopCloud/ -- The Millionaire Mastermind Academy announced it received a recent grant from Truist Foundation to support program operations, technical assistance, and support services for diverse entrepreneurs.

"The Millionaire Mastermind Academy addresses barriers to economic mobility for women who have been systemically and historically underserved and excluded, and we are grateful for the support of Truist Foundation," said CEO and founder Dr. Velma Trayham. "When more women have access, economies grow. Women's economic empowerment boosts productivity, increases economic diversification and income equality, and other key positive development outcomes for individuals and communities."

The academy has helped over 8,000 women entrepreneurs develop and grow businesses nationwide. It serves thousands of women annually with resources, tools, and access to move forward. The Truist Foundation grant will help the Millionaire Mastermind Academy support more underserved entrepreneurs with technical support.

"Truist Foundation believes in building stronger communities and better lives by supporting the innovative work of nonprofits like the Millionaire Mastermind Academy," said Katie Saez, Truist Regional President in Georgia. "We are honored to help grow diverse entrepreneurship across Georgia and beyond."

About Millionaire Mastermind Academy:

The Millionaire Mastermind Academy is a 501(c)(3) nonprofit organization aiming to end poverty through empowered entrepreneurship, with a mission to educate and support the growth of minority women-owned businesses. Technical assistance, access to capital, and economic empowerment programs operating in Arizona, Florida, Georgia, and Texas.

For more information, please visit https://millionairemastermindacademy.org/

About Truist Foundation:

Truist Foundation is committed to Truist Financial Corporation's (NYSE: TFC) purpose to inspire and build better lives and communities. The Foundation, an endowed private foundation established in 2020 whose operating budget is independent of Truist Financial Corporation, makes strategic investments in a wide variety of nonprofit organizations centered around two focus areas: building career pathways to economic mobility and strengthening small businesses to ensure all communities have an equal opportunity to thrive. Embodying these focus areas are the Foundation's leading initiatives - the Inspire Awards and Where It Starts. Learn more at http://Truist.com/Foundation.

The Millionaire Mastermind Academy announced it received a recent grant from Truist Foundation to support program operations, technical assistance, and support services for diverse entrepreneurs. The academy has helped over 8,000 women entrepreneurs develop and grow businesses nationwide.

Related link: https://millionairemastermindacademy.org/

Down Payment Resource highlights 42 Native American homebuyer assistance programs in honor of Native American Heritage Month

ATLANTA, Ga. /ScoopCloud/ -- Down Payment Resource (DPR), the housing industry's leading technology for connecting home buyers with homebuyer assistance programs, is highlighting 42 U.S. homebuyer assistance programs in 14 states that are specifically designed to support Native Americans (American Indians and Alaska Natives) in conjunction with Native American Heritage month. While Native Americans are eligible for any of the 2,300-plus U.S. homebuyer assistance programs, these programs were specifically developed to provide help with down payments and/or other home-buying costs for Native American homebuyers.

The Harvard Joint Center for Housing Studies reports that 56.7 percent of Native American households own their homes, a full 15.0 percentage points lower than white households. While the federal government is responsible for providing funding for housing programs on tribal lands, historically this funding has been insufficient, according to the National Indian Council on Aging. Native Americans have faced numerous obstacles when it comes to homeownership, says the Council, including high unemployment rates and poverty, with only 8 cents of wealth for every dollar of the average white American household.

An analysis of the 42 programs showcases the range of assistance available to promote Native American homeownership.

* Eligibility: Most programs are limited to members of federally recognized tribes for purchasing homes on reservations or within specified service areas.

* Financial assistance range: The programs offer homebuyer assistance ranging from $2,125 to $90,000.

* Income requirements: Ten programs have no income requirements. Thirty-two programs have income requirements that range from 80% to 120% of the Area Median Income.

* Availability: Assistance programs are offered in 11 states and the District of Columbia. The states with the most programs are Oklahoma (13), Michigan (9) and Oregon (4). Sixteen programs are statewide, and 25 are local.

* Program types: The homeowner assistance programs encompass various types, including 33 second mortgage programs, seven grant programs and two matched savings programs. Twenty-three programs are for first-time homebuyers only, and 19 programs can be accessed by repeat buyers.

* Forgivable programs: Thirty-six of the programs offer forgivable assistance, provided that all program conditions, such as owner-occupancy, are met, further alleviating the financial burdens for aspiring homeowners.

"Native Americans continue to face hardships that can delay or prevent them from becoming homeowners, which is an important pathway to economic prosperity and community development," said DPR Founder and CEO Rob Chrane. "It's my hope that mortgage ready Native Americans will access our database to find programs specific to their tribe and region that can provide them with the resources and support they need to achieve homeownership."

Individuals can search for their homebuyer assistance program eligibility for free at https://downpaymentresource.com/are-you-eligible/.

Methodology:

DPR produced homebuyer assistance program findings by analyzing its DOWN PAYMENT RESOURCE® database for programs with incentives for people with disabilities. The DOWN PAYMENT RESOURCE® database tracks the funding status, eligibility rules and benefits of all U.S. homebuyer assistance programs using data sourced from more than 1,300 housing finance agencies (HFAs), municipalities, nonprofits and other housing organizations. Homebuyer assistance programs of all types are tracked, including down payment and closing cost assistance, Mortgage Credit Certificates and affordable first mortgages.

About Down Payment Resource:

Down Payment Resource (DPR) is an award-winning technology provider helping the housing industry connect homebuyers with the homebuyer assistance they need. With tool sets tailored for real estate agents, multiple listing services and mortgage lenders, DPR's technology empowers housing professionals to make affordable home financing opportunities more accessible while growing business and forging referral partnerships. The only organization to track the details of every U.S. homebuyer assistance program, DPR frequently lends its expertise to nonprofits, housing finance agencies, policymakers, government-sponsored enterprises, think tanks and trade organizations seeking to improve housing affordability. Its technology is used by five of the top 10 retail mortgage lenders by volume, three of the four largest real estate listing websites and 600,000 real estate agents. For more information, visit https://downpaymentresource.com/.

Down Payment Resource (DPR), the housing industry's leading technology for connecting home buyers with homebuyer assistance programs, is highlighting 42 U.S. homebuyer assistance programs in 14 states that are specifically designed to support Native Americans (American Indians and Alaska Natives) in conjunction with Native American Heritage month.

Related link: https://www.downpaymentresource.com/

The Wealthy SIS Network is proud to present the Inaugural SIS-Expo Atlanta

ATLANTA, Ga. /ScoopCloud/ -- On Saturday October 21, 2023. The Wealthy SIS Network is proud to present the Inaugural "SIS-Expo Atlanta." The Global mission of the Sis-Expo is to redefine how entrepreneurship is viewed with women leading the charge in economic impact. This event is dedicated to fostering community and the empowerment among women of all backgrounds and stages of business development.

Through a dynamic sisterhood of women and the men that support us; Sis-Expo is a transformative event, designed to empower women to feel more connected in every aspect of their lives. The expo zealously sets the bar with several engaging panels, a fail-proof system that includes strategies on branding, marketing, access to capital and the implementation of the necessary steps required for women to make progress toward the lives that they desire.

EVENT HIGHLIGHTS:

* Opening Remarks & Performance.

* Visionary Keynote Speakers: Esteemed women leaders, authors and entrepreneurs sharing insights, stories of success that embodies the essence of empowerment and strategies for growth.

* Networking Opportunities: bringing together visionaries, thought leaders, industry experts forging relationships, bridging the gap and creating a supportive community.

* Zeal Workshops: Interactive and thought provoking workshops that will equip attendees with the practical skills and knowledge to enhance their business acumen.

* Vendor Exhibits: Explore a wide range of products, art pieces, and services offered by female-led businesses.

* Noble Woman Award Ceremony & Reception: The Sis-Expo will culminate in a grand ceremony honoring Linda Boston, a phenomenal legend who has made outstanding contributions in her body of work, an advocate for her community and a woman empowered to empower!

Date: October 21, 2023

Time: 4 p.m. - 9 p.m. EDT

Location: Matchstic @ The Jane - 437 Memorial Dr. SE, Ste. A7, Atlanta, GA 30312

Join us for an unfolding monumental journey at the SIS-Expo ATL. Secure your spot today and be a part of a quintessential experience that ignites change and propels women towards new heights.

More information on the event can be found at https://www.sis-community.com/sisexpo

About SIS-EXPO:

SIS-EXPO is a dynamic platform dedicated to empowering and uniting women in business. Through our transformative events held in cities nationwide, SIS-EXPO integrates female entrepreneurs, visionaries, thought leaders, and professionals to inspire, educate, uplift, and foster a sense of community among women seeking to scale their businesses.

Learn more about The Wealthy SIS Network: https://www.sis-community.com/

On Saturday October 21, 2023. The Wealthy SIS Network is proud to present the Inaugural "SIS-Expo Atlanta." The Global mission of the Sis-Expo is to redefine how entrepreneurship is viewed with women leading the charge in economic impact. This event is dedicated to fostering community and the empowerment among women of all backgrounds and stages of business development.

Related link: https://www.sis-community.com/

Jenny Moss joins fintech FormFree as director of marketing

ATHENS, Ga. /ScoopCloud/ -- FormFree® today announced the appointment of Jenny Moss as its new director of marketing. The timing of the move comes just as the company is launching its Passport® portable financial ID on October 20 and the FormFree Exchange (FFX), an online marketplace where lenders compete for the business of Passport users, later this year.

"We are delighted to have Jenny join our team and build on the great work we've started in introducing our new product directions," said FormFree Founder and CEO Brent Chandler. "This is a pivotal time for our company and an exciting time to be in fintech. Jenny has the energy and mindset to help us move forward strategically as we launch our portable financial Passport for consumers and our Exchange that connects lenders with qualified borrowers."

Moss graduated in 2013 from the University of Georgia with a master of science degree in sport management and policy. She worked two years for the University of Georgia Athletic Association in sports communication before moving in July 2013 to the University of Florida Athletic Association. In August 2014 she joined Mercer University as its assistant director of media relations, serving as the primary point of contact for all public relations initiatives for several men's and women's sports teams.

In May 2017, she moved to Silverton Mortgage in the greater Atlanta area, where she worked as a marketing and communications specialist before joining Atlanta-based Depth PR in November 2018. Moss initially worked as a client services manager at Depth, working her way up into a director's role at the firm. She worked at Depth for a total of five years before moving to FormFree.

"We will certainly miss Jenny. But we're looking forward to seeing her often, just this time she'll be sitting at the client end of the table," said Kerri Milam, president and principal strategist at Depth. "We think this is a strong career move for Jenny - and we know she's joining a great team with lots of 'depth'."

"The launch of Passport and the FormFree Exchange marks an exciting new chapter in fintech," said Moss. "I'm thrilled to be joining FormFree at such a pivotal moment in the company's journey and eager to help execute the team's vision for shaping the future of lending."

About FormFree®:

FormFree empowers consumers to understand their ability to pay and share it with lenders like never before. Using FormFree's Passport® app, consumers can verify all the core financial data required by loan underwriters - including identity, assets, income, employment credit history and cash-flow data - in seconds. Once consumers are ready to transact, they can anonymously share their verified data on the FormFree Exchange (FFX) and receive immediate offers from a marketplace of lenders who fully understand their ability to pay, residual income and eligibility for down payment assistance and inclusive lending programs.

For more information, visit https://www.formfree.com/ or follow FormFree on LinkedIn.

For media queries, contact Depth: https://depthpr.com/contact-us/

FormFree® today announced the appointment of Jenny Moss as its new director of marketing. The timing of the move comes just as the company is launching its Passport® portable financial ID on October 20 and the FormFree Exchange (FFX), an online marketplace where lenders compete for the business of Passport users, later this year.

Related link: https://www.formfree.com/

Six mortgage lenders inked deals with Down Payment Resource in September to support homebuyers with affordable pathways to homeownership

ATLANTA, Ga. /ScoopCloud/ -- Down Payment Resource (DPR), the housing industry's leading technology for connecting home buyers with homebuyer assistance programs, today announced it has onboarded six mortgage lenders this September. DPR's expanded client base includes Elevations Credit Union, Embrace Home Loans, Homeowners Financial Group, HomeStreet Bank, RWM Home Loans and a regional bank. This significant milestone reflects the growing need for solutions that promote accessible and sustainable homeownership.

"With consumer awareness and demand for down payment assistance (DPA) programs on the rise, DPR has become an invaluable resource for lenders seeking to assist homebuyers to navigate the challenges posed by high interest rates and soaring home prices," said Down Payment Resource Founder and CEO Rob Chrane. "It is with great pride that we welcome these lenders who have a shared commitment to growing homeownership in their communities by supporting homebuyer assistance programs."

DPR's robust solution for enterprise lenders comes equipped with four tools that streamline the operationalization of homebuyer assistance programs. The searchable DPA Directory enables product managers to curate programs that meet secondary market requirements, CRA compliance goals and community needs. The Loan Officer Portal automatically matches incoming borrowers to approved assistance programs. The Underwriter Portal provides quick access to program guidelines, and the Consumer Portal generates leads by inviting homebuyers to search for DPA.

"Purchasing a home is a major financial decision that requires careful consideration. At Elevations Credit Union, we understand the significance of this decision and are dedicated to supporting our members throughout the process," said SVP Lending at Elevations Credit Union Elizabeth Million. "We are committed to our Colorado community and strive to make homeownership accessible for all our members, regardless of their circumstances. We recognize that obtaining a down payment can be a significant barrier to homeownership, and so we partner with down payment assistance providers to increase homeownership opportunities for all members, including those with low and moderate incomes, enabling us to continue investing in our Colorado community."

"It's important that our customers get the down payment assistance they need, so our partnership with DPR makes perfect sense," said Brian Gilpin, CFO and Head of Capital Markets with Embrace Home Loans. "Working with DPR enhances our efforts to promote sustainable, affordable homeownership for underserved communities."

"Homeowners Financial Group is committed to supporting our local communities. We are experts in local homebuyer assistance programs and strive to help everyone achieve the dream of homeownership," said Chief Operations Officer at Homeowners Financial Group Nelson De Leon. "Our partnership with Down Payment Resource enhances our ability to match prospective homebuyers with affordable lending products and ensures an exceptional customer experience."

"RWM is dedicated to helping as many people as possible achieve their dream of homeownership. We are proud to offer a variety of down payment assistance programs as a solution when the down payment is a barrier to purchasing a home," said RWM Home Loans Director of Sales Success Victoria Nash. "Our partnership with Down Payment Resource allows us to keep track of all of our approved DPA programs, in one easy-to-use directory. The LO and Underwriting Portals are huge time-savers for our team so that they can focus on what really matters - finding DPA matches for our borrowers and helping them become homeowners much sooner than they thought possible. This is a great resource for loan officers, homebuyers, Realtors, underwriters, processors and anyone who is looking for more information on how they can utilize down payment assistance programs!"

About Down Payment Resource:

Down Payment Resource (DPR) is an award-winning technology provider helping the housing industry connect homebuyers with the homebuyer assistance they need. With tool sets tailored for real estate agents, multiple listing services and mortgage lenders, DPR's technology empowers housing professionals to make affordable home financing opportunities more accessible while growing business and forging referral partnerships. The only organization to track the details of every U.S. homebuyer assistance program, DPR frequently lends its expertise to nonprofits, housing finance agencies, policymakers, government-sponsored enterprises, think tanks and trade organizations seeking to improve housing affordability. Its technology is used by five of the top 10 retail mortgage lenders by volume, three of the four largest real estate listing websites and 600,000 real estate agents.

For more information, visit https://downpaymentresource.com/.

For media queries, contact Depth: https://depthpr.com/contact-us/

Down Payment Resource (DPR), the housing industry's leading technology for connecting home buyers with homebuyer assistance programs, today announced it has onboarded six mortgage lenders this September. DPR's expanded client base includes Elevations Credit Union, Embrace Home Loans, Homeowners Financial Group, HomeStreet Bank, RWM Home Loans and a regional bank. This significant milestone reflects the growing need for solutions that promote accessible and sustainable homeownership.

Related link: https://www.downpaymentresource.com/

FormFree announces first-of-a-kind exchange to connect lenders with qualified borrowers

ATHENS, Ga. /ScoopCloud/ -- FormFree today announced the fourth quarter debut of FormFree Exchange (FFX®), a dynamic online marketplace that matches lenders with qualified borrowers for a faster, better and fairer lending experience.

FFX has been meticulously designed to address the challenges facing lenders and borrowers in the modern financial landscape. With interest rates and home prices driving down loan application numbers and the prohibitive costs of lead generation eroding lender profitability, FFX offers a solution that reshapes lending as we know it.

"FormFree Exchange is where lenders meet qualified borrowers," said Brent Chandler, founder and CEO of FormFree. "Our platform represents the future of lending, providing a transparent and efficient way for home, auto and consumer lenders to connect with high-intent borrowers. It's not just about making loans; it's about making lending accessible and profitable for all."

How FFX Works:

FFX eliminates the need for lenders to sift through unqualified or unready leads by providing verified financial data from borrowers who have already demonstrated that they are ready and willing to transact using FormFree's free Passport® service. Lenders receive this data in the form of an anonymous Qualified Borrower (QB) Medallion that empowers them to make competitive loan offers while protecting borrowers' identities until an offer is extended and accepted.

Attributes provided in a QB Medallion include:

* Intent: Understanding the borrower's financial goals and requested loan type and amount

* Assets: Detailed account balances and transaction history

* Income: Validation of typical monthly income and income stability

* Employment: Verification of employment details and payment frequency

* ATP Analytics: In-depth ability-to-pay insights, including cash-flow index, Residual Income Knowledge Index® (RIKI)®, credit score and rent payment history

* CRA & DPA Eligibility: Identification of borrowers eligible for down payment assistance and programs for low-to-moderate income and minority consumers

A More Inclusive Approach

Outdated underwriting standards exclude millions of lendable consumers who have low FICO scores or nontraditional income but can sustainably support a mortgage. By providing a holistic view of each borrower's finances, FFX allows lenders to help more consumers access the loans they need without taking on additional risk.

"Guild Mortgage is proud to be among the ten inaugural FormFree Exchange members who have signed up to be matched with motivated and creditworthy borrowers, many of whom would be weeded out and excluded from financing by traditional lead acquisition routes," said David Battany. "We welcome this transparent model and feel confident in our ability to compete for the business of borrowers that are a good match for Guild."

Lenders are encouraged to join leading institutions like AmeriSave, Developer's Mortgage, Guaranteed Rate, Guild Mortgage, Highland Mortgage, Kind Lending, Paramount Residential Mortgage Group (PRMG), Sage Mortgage, Synergy One Lending and Ready Life in joining the FormFree Exchange.

Sign up today and be part of a transformative marketplace that drives profitability and inclusivity: https://ffx.formfree.com/

About FormFree®:

FormFree empowers consumers to understand their ability to pay and share it with lenders like never before. Using FormFree's Passport® app, consumers can verify all the core financial data required by loan underwriters - including identity, assets, income, employment credit history and cash-flow data - in seconds. Once consumers are ready to transact, they can anonymously share their verified data on the FormFree Exchange (FFX) and receive immediate offers from a marketplace of lenders who fully understand their ability to pay, residual income and eligibility for down payment assistance and inclusive lending programs. For more information, visit https://www.formfree.com/ or follow FormFree on LinkedIn.

FormFree today announced the fourth quarter debut of FormFree Exchange (FFX®), a dynamic online marketplace that matches lenders with qualified borrowers for a faster, better and fairer lending experience. FFX has been meticulously designed to address the challenges facing lenders and borrowers in the modern financial landscape.

Related link: https://www.formfree.com/

Depth promotes Lindsey Neal and Leslie Colley to executive vice president roles

ATLANTA, Ga. /ScoopCloud/ -- Depth, a leading provider of consultative B2B marketing, public relations and reputation management services for technology companies within the residential mortgage finance, financial technology (fintech) and regulatory technology (regtech) industries, announced the promotions of Lindsey Neal and Leslie Colley to executive vice president.

"Anyone who knows our firm knows Lindsey and Leslie are integral to Depth," said firm Founder and President Kerri Milam. "As vice presidents of client service for the last four years, they have guided their teams to meet the needs of companies weathering unprecedented challenges: a pandemic, a record-setting refi boom and a dramatic plummet in volume. By consistently delivering strategic leadership and incontestable value, they've positioned Depth to grow throughout each of these scenarios," Milam said.

Neal earned her Master of Business Administration from the Terry College of Business at the University of Georgia and her bachelor's degree in communications with a concentration in public relations from Berry College in Rome, Ga. Colley holds a master's degree in communication management from the University of Southern California and a bachelor's degree in advanced rhetoric and composition from Georgia State University.

"Depth bet the house, literally, on the U.S. mortgage industry and its fintech innovators in 2006, earning the trust and loyalty of its best-known brands with a consultative service delivery model prioritizing immediate and long-range strategy, project management and thought-provoking content that drives action," said Milam. "Leslie and Lindsey are the best business continuity investments we've made on behalf of our clients and our industry."

Depth's business model was conceived to fill a knowledge and service gap for growth-focused technology innovators driving the modernization and digitization of housing finance. Combining unrivaled strategic insights and top-shelf content development with native digital marketing acumen, Depth has a track record of success fueling adoption solutions and services across the mortgage lifecycle, from customer relationship management (CRM), appraisal and loan origination technology to innovations in mortgage servicing, quality control (QC) and capital markets.

About Depth:

Depth is a leading independent provider of consultative B2B marketing, public relations and reputation management services for the mortgage lending and residential finance industries. Since 2006, the firm has represented a clientele of established and emerging brands serving mortgage lenders, mortgage servicers, real estate professionals and appraisers. Depth is committed to serving the cause of digital innovation and to practicing the pay-it-forward principle alongside The Golden Rule. A woman-owned business, Depth is a member and supporter of the Mortgage Bankers Association, Housing Finance Strategies and The Mortgage Collaborative.

For more information, visit: https://depthpr.com/

RELATED LINKS:

https://www.linkedin.com/in/lmneal1983/

https://www.linkedin.com/in/lesliecolley/

Depth, a leading provider of consultative B2B marketing, public relations and reputation management services for technology companies within the residential mortgage finance, financial technology (fintech) and regulatory technology (regtech) industries, announced the promotions of Lindsey Neal and Leslie Colley to executive vice president.

Related link: https://www.DepthPR.com/

Renowned pianist and conductor, Boris Cepeda, relocates to Atlanta and unveils European Piano Academy

ATLANTA, Ga. /ScoopCloud/ -- Boris Cepeda, an accomplished pianist and conductor, will now call Atlanta home. It's a groundbreaking move made possible through a "genius" visa designated for individuals with extraordinary abilities. This move marks a significant chapter in his illustrious career.

Born in Ecuador and raised in Germany, Cepeda's unique blend of cultural influences brings a rich background and international acclaim to this vibrant city. His educational journey took him from the German School in Quito to the University of Fine Arts in Bremen, Germany, where he pursued his piano studies.

And now this relocation is underscored by his unwavering commitment to furthering his successful career as a pianist and orchestra conductor. His goal is to share his knowledge through teaching and research at prestigious academic institutions.

Central to this exciting new career chapter is the European Piano Academy of Atlanta, which he co-founded with his wife, Katja. The academy offers top-tier piano education and mentorship, and together, the couple's decades of experience and expertise will help to nurture the next generation of piano virtuosos.

Through this relocation, Cepeda aims to continue his legacy of musical excellence while sharing his passion and expertise with a new community of music enthusiasts and aspiring artists in the heart of Georgia.

In 2021, he attained the prestigious title of Steinway Artist, a testament to his exceptional talents. Since he was 7-years old, he has graced legendary concert halls around the world, leaving audiences enthralled with performances at iconic venues such as Carnegie Hall in New York and the Berliner Philharmonie.

Cepeda is not just a remarkable performer, he's also an accomplished music educator and researcher. His recent role as Head of Music and deputy director of the choir at an opera house in Germany showcases his musical versatility and depth.

In addition to his musical achievements, Cepeda has received several distinguished awards, including the Schubert Prize from the German Schubert Association and the Vicente Rocafuerte Medal from the Ecuadorian National Parliament for outstanding cultural merits. He has also clinched first prizes at piano competitions in Ecuador, further highlighting his extraordinary musical abilities.

Looking ahead, Cepeda has a dynamic schedule that includes concerts and master classes in Tampa, FL; Münster, Germany; and Casa de la Música in Quito, Ecuador. His calendar also features upcoming conducting engagements with the National Symphony Orchestra of Ecuador; and the Symphony Orchestra of the City of Cuenca - more testaments to his artistic versatility.

For more information, visit the official website at: https://boriscepeda.com/en

About Boris Cepeda:

Cepeda is a world-renowned pianist and conductor with a distinguished career spanning several decades. He has achieved international acclaim for his virtuosic performances and contributions to the world of classical music. As a Steinway Artist, he continues to inspire audiences with his artistry and shares his expertise as a teacher and researcher at prestigious institutions around the world.

Boris Cepeda, an accomplished pianist and conductor, will now call Atlanta home. It's a groundbreaking move made possible through a "genius" visa designated for individuals with extraordinary abilities. This move marks a significant chapter in his illustrious career.

Related link: https://boriscepeda.com/en

FormFree partners with original ‘Shark’ and iconic entrepreneur Kevin Harrington to launch Passport portable financial ID

ATHENS, Ga. /ScoopCloud/ -- FormFree® has partnered with serial entrepreneur Kevin Harrington of "Shark Tank" fame to promote Passport®, a free service that makes it easy for consumers to quantify their borrowing power and share their verified assets, employment, annual and residual income and rent payment history with their preferred lender in just minutes from any web-enabled device.

Passport's comprehensive and streamlined approach to verifying borrowers' ability to pay significantly lowers lenders' operational costs, reduces fraud risk and speeds loans along - all while putting borrowers in control of their data and opening up financial inclusivity to the historically underserved.

Harrington's team will support FormFree's October 20 launch of Passport with advisory and marketing services, including the engagement of financial advisors, real estate agents and social media influencers in sharing the service with consumers who are ready to use their credit to achieve financial goals such as consolidating debts or financing the purchase of an automobile or home.

Brent Chandler, founder and CEO of FormFree, pioneered digital asset verification with the 2009 launch of AccountChek®, a service that was used by more than 3,500 mortgage lenders to verify more than $4 trillion in borrower assets before its strategic divestiture to Stewart Information Services Corporation (NYSE: STC) subsidiary Informative Research in March 2023. With the consumer debut of Passport, Chandler aims to transform the lending industry once again with technology that leapfrogs current financing barriers.

"Kevin [Harrington] is a masterful communicator. Together we're reshaping credit access with Passport by giving consumers direct control over their data for the first time," said Chandler. "As we initiate this transformative shift in lending, our focus on low income and minority buyers is unwavering. They are at the heart of this change and stand to reap significant benefits."

"Having to gather and provide dozens of documents just to understand their own borrowing capacity deters countless consumers from applying for financing - and it's a hurdle they have to clear again and again if they want to apply with several lenders and compare offers," added Harrington. "Passport makes it practical for consumers to share their always up-to-date financial data with a marketplace of lenders all at once and consider multiple, competitive offers."

Chandler and Harrington will appear together at the Mortgage Bankers Association Annual Convention and Expo in Philadelphia next week to introduce Passport to mortgage industry participants and preview the FormFree Exchange (FFX), the online marketplace where lenders compete for the business of Passport users.

"This idea is something we've been working on for a while now," said Chandler. "There is already a lot of excitement about how FFX would speed and simplify customer acquisition and help buyers get the best financial products for their needs."

About FormFree®:

FormFree empowers consumers to understand their ability to pay and share it with lenders like never before. Using FormFree's Passport® app, consumers can verify all the core financial data required by loan underwriters - including identity, assets, income, employment credit history and cash-flow data - in seconds. Once consumers are ready to transact, they can anonymously share their verified data on the FormFree Exchange (FFX) and receive immediate offers from a marketplace of lenders who fully understand their ability to pay, residual income and eligibility for down payment assistance and inclusive lending programs.

For more information, visit https://www.formfree.com/ or follow FormFree on LinkedIn.

About Kevin Harrington:

Harrington is world renowned as the inventor of the infomercial, pioneer of the "As Seen on TV" brand and one of the original "sharks" on the hit ABC show "Shark Tank." He has launched more than 20 businesses that have each grown sales in excess of $100 million as part of a career that has introduced 1,000+ products generating over $6 billion in global sales. His business experience spans the globe, including opening distribution outlets in over 100 countries. https://kevinharrington.tv/

FormFree has partnered with serial entrepreneur Kevin Harrington of "Shark Tank" fame to promote Passport, a free service that makes it easy for consumers to quantify their borrowing power and share their verified assets, employment, annual and residual income and rent payment history with their preferred lender in just minutes from any web-enabled device.

Related link: https://www.formfree.com/

Strategic Benefits Advisors Principal Mindy Zatto honored with EBN’s 2023 Excellence in Benefits Award

ATLANTA, Ga. /ScoopCloud/ -- Strategic Benefits Advisors (SBA) today announced that Founding Principal Mindy Zatto is a recipient of the 2023 Excellence in Benefits Award. Presented by Employee Benefit News (EBN), the Excellence in Benefits Awards honor the human resources leaders, tech innovators, brokers and advisors driving change in the employee benefits space.

Zatto co-founded SBA in 2002 to fill an industry need for consulting expertise that could bridge the gap between strategic guidance and practical implementation. Under her leadership, SBA has evolved into an award-winning firm that for more than 20 years has helped organizations across North America navigate complex benefits challenges while reducing plan expenses and improving efficiency, compliance and the participant experience.

Although versed in all manner of employee benefit plans, Zatto is best known for her work in the retirement field. An industry pioneer who developed one of the first full-service pension administration practices in the country, Zatto has over 30 years of strategic plan design and administration experience with corporate defined benefit and defined contribution programs. An enrolled actuary, Zatto is a fellow of the Society of Actuaries, a fellow of the Conference of Consulting Actuaries, a member of the American Academy of Actuaries and a member of the Society of Pension Actuaries. She also currently serves on the Society of Actuaries' Employer Council and its Lifetime Income Initiative Team. Her insights into the issues and trends shaping employee benefit plans are regularly featured in Employee Benefit News and other prominent industry publications.

"I am deeply honored to receive the Excellence in Benefits Award," said Zatto. "Our mission has always been to empower plan sponsors and participants, and this award reaffirms our commitment to making a positive impact in the employee benefits industry."

"During a time of sweeping transformation in the HR and benefits landscape, these individuals are finding creative ways to build better employee experiences," said EBN Editor-in-Chief Stephanie Schomer of Zatto and her fellow honorees. "They're putting people first by creating better and more affordable benefits programs."

Zatto will be profiled in the September/October issue of EBN and recognized at an awards luncheon during the Benefits at Work conference, where she will speak on retirement plan trends as a panelist in the session "Retirement Benefits: How to Balance Savings and Retirement Plans."

To register for the conference, which takes place September 27-29 in San Diego, visit https://conference.benefitnews.com/.

About Strategic Benefits Advisors:

Strategic Benefits Advisors, Inc. (SBA) is an independent, full-service employee benefits consulting firm focused on creatively and effectively solving complex benefits issues for clients ranging from 1,000 to over 300,000 employees. Founded in 2002 by veteran consultants Mindy Zatto and Andy Adams, SBA provides practical consulting recommendations and expert implementation of solutions for all types of employee benefits programs, including retirement, health and welfare, financial wellness and employee recognition. With an average of over 25 years in the field, SBA's team of actuaries, consultants and systems specialists is among the most experienced in the industry. For more information, visit https://www.sba-inc.com/.

Strategic Benefits Advisors (SBA) today announced that Founding Principal Mindy Zatto is a recipient of the 2023 Excellence in Benefits Award. Presented by Employee Benefit News (EBN), the Excellence in Benefits Awards honor the human resources leaders, tech innovators, brokers and advisors driving change in the employee benefits space.

Related link: https://www.sba-inc.com/

ZKTeco USA Partners with Lockt, LLC and Z9 Security to Integrate Atlas Access Control Panels with SecureAccess Platform

ALPHARETTA, Ga. /ScoopCloud/ -- ZKTeco USA, a globally recognized leader and manufacturer of physical security solutions, is excited to announce a strategic partnership with Lockt, LLC, an organization renowned for delivering powerful security solutions. SecureAccess software from Lockt now supports ZKTECO USA's Atlas Access control panels using the z9/op=n interoperability platform from Z9 Security.

Through this strategic alliance, ZKTeco USA and Lockt, LLC have pooled their strengths and expertise to deliver an exceptional access control solution. Lockt, LLC has earned a stellar reputation for its state-of-the-art security systems that prioritize convenience and efficiency without compromising on safety.

The integration is possible because ZKTeco USA Atlas Series controllers are z9/op=n certified, and Lockt's SecureAccess software is built on top of Z9 Security's Z9/FL=X platform - both core elements of Z9 Security's interoperability ecosystem. This ecosystem features a unified architecture that seamlessly and quickly integrates a wide range of open and proprietary access control hardware and software.

"ZKTeco USA appreciates the high value delivered to customers utilizing Atlas Panels in conjunction with industry-leading security partners like Lockt, LLC and Z9 Security," said Manish Dalal, President, and founder of ZKTeco USA. "ZKTeco USA has been at the forefront of biometric and access control solutions for over a decade. With a commitment to research and development, ZKTeco USA has continuously introduced groundbreaking technologies which transform the way organizations manage their security needs. Our innovative solutions are trusted by thousands of businesses globally."

Ken Larson, president of Z9 Security, also expressed his enthusiasm for the partnership, stating, "We are thrilled to welcome Lockt to the Z9 Security interoperability ecosystem. This collaboration expands Lockt customers' hardware options to include the robust and high-performing ZKTeco USA Atlas Series controllers and gives Atlas Series customers the option of Lockt's scalable, powerful, and seamless Secure Access software platform. This is really a case study in the power of open architecture."

Lockt, LLC is renowned for its commitment to providing easy-to-deploy, easy-to-use, secure, and expandable solutions to partners and end-users. The integration with ZKTeco USA Atlas Series controllers expands Lockt's current integrations, which include multiple reader technologies, the Switch(TM) Tech by BEST, and seamless issuance of Bluetooth credentials.

"We are thrilled to partner with ZKTeco USA to bring a new level of innovation and user experience to the market," said Josh Plummer, Managing Partner of Lockt, LLC. "By combining our expertise and leveraging ZKTeco USA's advanced technology, we will create powerful security solutions that meet the evolving needs of our customers."

The collaboration between ZKTeco USA and Lockt, LLC marks a continued expansion in the security industry, and will deliver comprehensive experiences to end users. With a shared commitment to improvement, this partnership will provide individuals and organizations with powerful solutions for security challenges.

About ZKTeco USA:

ZKTeco USA is a globally renowned enterprise focused on delivering biometric verification technology designed to help make the world a safer place for all its inhabitants. ZKTeco USA brings to market a wide range of solutions including Smart Identity Authentication Applications, Smart Entrance Control Applications (for both pedestrians and vehicles), and Smart Office Applications. Our touchless solutions are designed to enhance safety & security while also improving upon efficiency & the end-user experience through automation. We explore. We innovate. We deliver. For more information, visit https://www.zktecousa.com/.

About Lockt, LLC:

Lockt, LLC is a leading provider of innovative security solutions, offering a comprehensive range of products designed for residential and commercial applications. With a focus on convenience, efficiency, and safety, Lockt, LLC delivers state-of-the-art security systems to meet the evolving needs of customers. For more information, visit https://www.lockt.com/.

About Z9 Security:

Z9 Security is the creator of the access control industry's first and only true hardware and software interoperability ecosystem. The ecosystem features the Z9/FL=X cloud-based service and z9/op=n unified technology platforms, seamlessly integrating a wide range of both open and proprietary access control hardware and software, redefining interoperability, and drastically reducing time and cost to introduce new integrations. The Z9 Security ecosystem currently enables hundreds of hardware and software interoperability combinations and is growing fast. The Z9 Security team is made up of industry veterans with decades of expertise in access control, who have been behind the success of some of the biggest names in the industry. For more information, visit https://www.z9security.com/.

ZKTeco USA, a globally recognized leader and manufacturer of physical security solutions, is excited to announce a strategic partnership with Lockt, LLC, an organization renowned for delivering powerful security solutions. SecureAccess software from Lockt now supports ZKTECO USA's Atlas Access control panels using the z9/op=n interoperability platform from Z9 Security.

Related link: https://zktecousa.com/

FormFree joins ACUMA as an affiliate member

ATHENS, Ga. /ScoopCloud/ -- FormFree® today announced it has joined the American Credit Union Mortgage Association (ACUMA) as an affiliate member. Through its membership, FormFree aims to help credit unions provide more inclusive pathways to homeownership by introducing them to residual income analytics, a methodology for gaining enhanced insight into borrowers' ability to repay loans.

FormFree develops cutting-edge technology that helps lenders better understand credit risk, particularly for historically underserved borrowers that have no credit history, thin credit files and lower credit scores. Passport® enables borrowers to share their Financial DNA with lenders, which is comprised of consumers' direct-source financial data. FormFree's patent-pending Residual Knowledge Income Index™ (RIKI™) enables lenders to assess consumer creditworthiness with an innovative combination of cashflow and residual income analysis - methodologies that support more inclusive credit decisions.

"Credit unions play an important role in helping the communities they serve to build wealth and buy homes," said FormFree CEO Brent Chandler. "It is my hope that joining ACUMA will allow us to enable credit unions to extend financing to more creditworthy members by gaining a deeper understanding of their true ability to pay."

ACUMA is an organization dedicated to helping credit unions optimize their real estate financing services. ACUMA member organizations include federal- and state-chartered credit unions and Credit Union Service Organizations (CUSOs), mortgage insurance companies, secondary market investors and investment banking firms and mortgage technology firms.

"Our organization serves as a vital resource in creating opportunities for credit union professionals and their primary suppliers to network, share knowledge, build relationships and grow market share," said ACUMA President Peter J. Benjamin, CMB. "We are delighted to introduce an extra asset to our members and extend a warm welcome to FormFree."

About FormFree®:

FormFree helps lenders understand credit risk like never before with its patented Passport® product, which opens doors to more inclusive credit decisioning by revealing each customer's true ability to pay (ATP®), and patent-pending Residual Knowledge Income Index™ (RIKI™), an innovative method for evaluating consumer creditworthiness based on residual income analysis. For more information, visit https://www.formfree.com/ or follow FormFree on LinkedIn.

About ACUMA:

The American Credit Union Mortgage Association is a not-for-profit trade association dedicated to credit unions and mortgage lending. ACUMA provides resources and education to credit unions aimed at streamlining performance, processes, and procedures for real estate lending services. ACUMA's goal is to encourage credit unions to help more consumers get fairly priced and safe mortgage loans delivered locally, and in so doing, provide them with a pathway to the American dream of home ownership. ACUMA brings together the shared real estate lending and financing interests of hundreds of credit unions and CUSOs. ACUMA member organizations include federal and state charted credit unions and CUSO, mortgage insurance companies, secondary market investors, investment banking firms, and technology companies. Visit ACUMA's website at https://acuma.org/ for more information.

FormFree today announced it has joined the American Credit Union Mortgage Association (ACUMA) as an affiliate member. Through its membership, FormFree aims to help credit unions provide more inclusive pathways to homeownership by introducing them to residual income analytics, a methodology for gaining enhanced insight into borrowers' ability to repay loans.

Related link: https://www.formfree.com/

Down Payment Resource debuts on the Inc. 5000 list of America’s fastest-growing companies

ATLANTA, Ga. /ScoopCloud/ -- Down Payment Resource (DPR), the housing industry's leading technology for connecting homebuyers with homebuyer assistance programs, today announced it has earned a spot on the 2023 Inc. 5000 list of the nation's fastest-growing private companies. This marks DPR's inaugural year on the list.

Founded in 2008, DPR maintains the only comprehensive database of U.S. homebuyer assistance programs by engaging with more than 1,300 program providers year-round. Its technology, which helps the housing industry match homebuyers with homebuyer assistance, has been used by millions of housing professionals and consumers and averages 30,000 homebuyer assistance queries a day. DPR customers include five of the top 10 retail mortgage lenders by volume, more than a dozen multiple listing sites (MLSs) and 500,000 real estate agents.

Additionally, two of the nation's largest real estate websites use DPR to power a down payment assistance finder within listing descriptions.

"To date, we've connected more than 6 million housing professionals and homebuyers with down payment assistance program information, and we are proud of the impact we have made," said DPR Founder and CEO Rob Chrane. "As we celebrate this remarkable milestone, we're more inspired than ever to forge ahead, break down barriers to homeownership and pave the way for a brighter, more inclusive housing future."

"Running a business has only gotten harder since the end of the pandemic," said Inc. editor-in-chief Scott Omelianuk. "To make the Inc. 5000 - with the fast growth that requires - is truly an accomplishment. Inc. is thrilled to honor the companies that are building our future."

For complete results of the Inc. 5000, including company profiles and an interactive database that can be sorted by industry, location and other criteria, go to www.inc.com/inc5000.

About Down Payment Resource:

Down Payment Resource (DPR) is an award-winning technology provider helping the housing industry connect homebuyers with the homebuyer assistance they need. With toolsets tailored for real estate agents, multiple listing services and mortgage lenders, DPR's technology empowers housing professionals to make affordable home financing opportunities more accessible while growing business and forging referral partnerships. The only organization to track the details of every U.S. homebuyer assistance program, DPR frequently lends its expertise to nonprofits, housing finance agencies, policymakers, government-sponsored enterprises, think tanks and trade organizations seeking to improve housing affordability. Its technology is used by five of the top 10 retail mortgage lenders by volume, three of the four largest real estate listing websites and 500,000 real estate agents. For more information, visit https://downpaymentresource.com/.

Down Payment Resource (DPR), the housing industry's leading technology for connecting homebuyers with homebuyer assistance programs, today announced it has earned a spot on the 2023 Inc. 5000 list of the nation's fastest-growing private companies. This marks DPR's inaugural year on the list.

Related link: https://www.downpaymentresource.com/

WaterSignal, LLC Joins Forces with Metron Farnier, LLC – Unlocking a New Era of Water Efficiency

ALPHARETTA, Ga. /ScoopCloud/ -- Today, WaterSignal, LLC is thrilled to share some truly exciting news: WaterSignal, LLC has been acquired by Metron Farnier, LLC! WaterSignal, LLC is delighted to embark on this new journey, which will undoubtedly benefit its valued clients and further enhance its commitment to water conservation and efficiency.

Metron Farnier, LLC, a global leader in smart water management solutions, shares WaterSignal, LLC's passion for sustainability and innovation. Together, these entities form an unbeatable team, fully equipped to take water efficiency to unprecedented heights through a holistic approach. With this collaboration, one can expect many advantages that will revolutionize how one approaches water management.

Here are some key benefits and services that the aforementioned business acquisition offers:

Expanded Technology Portfolio: By combining the expertises of WaterSignal, LLC and Metron Farnier, LLC, this collaboration now offers a comprehensive suite of cutting-edge technologies. From smart water meters and leak detection systems to data analytics platforms, this collaboration provides a one-stop solution to meet any water management needs.

Enhanced Data Insights: This joint effort significantly improves data collection, analysis, and reporting capabilities. One will gain deeper insights into water usage patterns, identify opportunities for optimization and achieve cost savings like never before.

Tailored Solutions for Every Industry: Whether one is in commercial/multifamily real estate, hospitality, education, or any other sector, this collaboration offers tailor-made solutions to address the unique challenges faced in water management.

Unmatched Customer Support: As a collaboration, this joint effort remains committed to maintaining the highest standard of customer support customers you've come to expect from WaterSignal, LLC. With an expanded team, this collaboration is even more equipped to address customer queries promptly and provide timely assistance.

Reach: WaterSignal, LLC's acquisition by Metron Farnier, LLC enables the parties to extend their reach to new markets and regions. As a result, the parties can collaborate with even more organizations and communities nationwide, collectively making a profound impact on water conservation efforts.

In the coming weeks, customers will receive further updates and information about the integration process, and WaterSignal, LLC and Metron Farnier, LLC will ensure a seamless transition for all their valued clients. Rest assured, current customer contracts and services will continue uninterrupted, and the familiar faces customers have come to know and trust will remain with the joint effort.

To address any immediate questions or concerns, please don't hesitate to contact WaterSignal, LLC's dedicated support team at save@watersignal.com.

Thanks for being an essential part of this milestone in WaterSignal, LLC's history. Together with Metron Farnier, LLC, both parties look forward to forging a greener and more sustainable future.

Learn more: https://www.watersignal.com/

Today, WaterSignal, LLC is thrilled to share some truly exciting news: WaterSignal, LLC has been acquired by Metron Farnier, LLC! WaterSignal, LLC is delighted to embark on this new journey, which will undoubtedly benefit its valued clients and further enhance its commitment to water conservation and efficiency.

Related link: https://www.watersignal.com/

Down Payment Resource Issues Q2 2023 Homeownership Program Index Report

ATLANTA, Ga. /ScoopCloud/ -- Down Payment Resource (DPR), the housing industry's leading technology for connecting homebuyers with homebuyer assistance programs, issued its Q2 2023 Homeownership Program Index (HPI). The firm's analysis revealed a second consecutive quarterly uptick of 0.5% in the number of homebuyer assistance programs available to help people finance homes, raising the number of programs to 2,373.

Key Findings

An examination of the 2,373 homebuyer assistance programs that were active as of July 3, 2023, resulted in the following key findings:

* Growth in programs that expand inventory options. In response to the dearth of affordable inventory, agencies continue to introduce programs that expand housing options for low-to-moderate income (LMI) home buyers. Last quarter, 24 more programs introduced support for manufactured housing, an increase of 3.4%. Additionally, three programs that support multi-family purchases were introduced, bringing the number of programs that support two- to four-unit residential properties to 650.

* Growth in the number of agencies administering programs. As affordability continues to challenge LMI home buyers, 45 more agencies have stepped up to administer homebuyer assistance programs, a 3.9% increase over the previous quarter. Now 1,323 agencies provide assistance to aspiring homeowners across the country.

* Municipalities administer the lion's share of homebuyer assistance programs. Municipalities support 42.2% of homebuyer assistance programs, roughly double the 21.8% of programs supported by state housing finance authorities (HFAs) and 21.0% of programs supported by nonprofits - the second and third largest source of homebuyer assistance, respectively.

"Marked growth in the number of agencies administering homebuyer assistance programs reflects how affordability challenges are driving demand for affordable pathways to homeownership," said DPR Founder and CEO Rob Chrane. "These emerging community champions play a vital role in making home homeownership more accessible to LMI households and marginalized demographics who have lower rates of homeownership."

"At the same time, agencies are responding to near historic low new listing figures by opening program support of manufactured and multifamily housing," continued Chrane. "This effectively expands inventory options for homebuyers that rely on these programs."

A more detailed analysis of the Q2 2023 HPI findings, including infographics and examples of many of the programs described in this release, can be found on DPR's website at: https://downpaymentresource.com/professional-resource/a-guide-to-q2-2023-homebuyer-assistance-program-trends/.

For a complete list of homebuyer assistance programs by state, visit: https://downpaymentresource.com/wp-content/uploads/2023/07/HPI-state-by-state-data.Q22023.pdf.

Methodology

Published quarterly, DPR's HPI surveys the funding status, eligibility rules and benefits of U.S. homebuyer assistance programs administered by state and local housing finance agencies, municipalities, nonprofits and other housing organizations. DPR communicates with over 1,300 program providers throughout the year to track and update the country's wide range of homeownership programs, including down payment and closing cost programs, Mortgage Credit Certificates (MCCs) and affordable first mortgages, in the DOWN PAYMENT RESOURCE(r) database.

About Down Payment Resource:

Down Payment Resource (DPR) is an award-winning technology provider helping the housing industry connect homebuyers with the homebuyer assistance they need. With toolsets tailored for real estate agents, multiple listing services and mortgage lenders, DPR's technology empowers housing professionals to make affordable home financing opportunities more accessible while growing business and forging referral partnerships. The only organization to track the details of every U.S. homebuyer assistance program, DPR frequently lends its expertise to nonprofits, housing finance agencies, policymakers, government-sponsored enterprises, think tanks and trade organizations seeking to improve housing affordability. Its technology is used by five of the top 10 retail mortgage lenders by volume, three of the four largest real estate listing websites and 500,000 real estate agents.

For more information, visit: https://downpaymentresource.com/.

Down Payment Resource (DPR), the housing industry's leading technology for connecting homebuyers with homebuyer assistance programs, issued its Q2 2023 Homeownership Program Index (HPI). The firm's analysis revealed a second consecutive quarterly uptick of 0.5% in the number of homebuyer assistance programs available to help people finance homes, raising the number of programs to 2,373.

Related link: https://www.downpaymentresource.com/

Down Payment Resource Reports on Homebuyer Assistance Programs for People with Disabilities for Disability Pride Month

ATLANTA, Ga. /ScoopCloud/ -- In celebration of Disability Pride Month, Down Payment Resource (DPR) has issued a report on the 23 U.S. homebuyer assistance programs that are specifically designed to support people with disabilities and their family caregivers on their journey towards homeownership. While people with disabilities may be eligible for any of the 2,300-plus U.S. homebuyer assistance programs, this report sheds light on programs specially developed to promote accessibility and inclusivity for aspiring homeowners with disabilities.

For many people with disabilities, the dream of homeownership can feel out of reach. Financial limitations due to reduced employment opportunities or the need for additional support services and difficulty finding accessible housing are just a few common challenges.

An analysis of the 23 programs showcases the range of assistance available to promote homeownership for people with disabilities:

* Financial Assistance Range: The programs offer homebuyer assistance ranging from $10,000 to $109,986.

* Availability: The programs are offered in 12 states across the country.

* Family Caregiver Support: 11 programs specifically extend assistance to family caregivers of disabled individuals, recognizing their crucial role in the homeownership process.

* Accessibility Modifications: Funding from four programs can be utilized to support accessibility modifications, ensuring homes are tailored to the unique needs of individuals with disabilities.

* Layered Assistance: 14 programs can be combined with other homebuyer assistance programs, providing individuals with additional financial support and resources.

* Program Types: The homeownership assistance programs encompass various types, including four affordable first mortgages, 12 silent second mortgages, three soft seconds, one grant, one voucher program, one combined assistance program and one below market rate (BMR)/resale restriction program.

* Forgivable Programs: Four of the programs offer forgivable assistance, provided that all program conditions, such as owner-occupancy, are met, further alleviating financial burdens for aspiring homeowners.

"Homeownership provides individuals with disabilities and their caregivers with greater independence and empowerment," said Down Payment Resource founder and CEO Rob Chrane. "It allows them to have control over their living environment, make decisions regarding accessibility modifications and customize their homes to meet their unique needs. This autonomy fosters self-confidence, dignity and a greater sense of belonging within the community."

"My hope is that this report will raise awareness about the available programs that provide vital support to those who need it most," continued Chrane. "By promoting accessibility and inclusivity, we can help individuals with disabilities and their family caregivers unlock the door to homeownership and all the benefits it brings."

Select homebuyer assistance programs for people with disabilities are profiled at https://downpaymentresource.com/professional-resource/disability-pride-spotlight-on-homebuyer-assistance-programs-for-people-with-disabilities/.

Individuals can search for their homebuyer assistance program eligibility for free at https://downpaymentresource.com/are-you-eligible/.

Methodology:

DPR produced homebuyer assistance program findings by analyzing its DOWN PAYMENT RESOURCE® database for programs with incentives for people with disabilities. The DOWN PAYMENT RESOURCE® database tracks the funding status, eligibility rules and benefits of all U.S. homebuyer assistance programs using data sourced from more than 1,200 housing finance agencies (HFAs), municipalities, nonprofits and other housing organizations. Homebuyer assistance programs of all types are tracked, including down payment and closing cost assistance, Mortgage Credit Certificates and affordable first mortgages.

About Down Payment Resource:

Down Payment Resource (DPR) is an award-winning technology provider helping the housing industry connect homebuyers with the homebuyer assistance they need. With tool sets tailored for real estate agents, multiple listing services and mortgage lenders, DPR's technology empowers housing professionals to make affordable home financing opportunities more accessible while growing business and forging referral partnerships. The only organization to track the details of every U.S. homebuyer assistance program, DPR frequently lends its expertise to nonprofits, housing finance agencies, policymakers, government-sponsored enterprises, think tanks and trade organizations seeking to improve housing affordability. Its technology is used by five of the top 10 retail mortgage lenders by volume, three of the four largest real estate listing websites and 500,000 real estate agents. For more information, visit https://downpaymentresource.com/.

In celebration of Disability Pride Month, Down Payment Resource (DPR) has issued a report on the 23 U.S. homebuyer assistance programs that are specifically designed to support people with disabilities and their family caregivers on their journey towards homeownership. While people with disabilities may be eligible for any of the 2,300-plus U.S. homebuyer assistance programs, this report sheds light on programs specially developed to promote accessibility and inclusivity for aspiring homeowners with disabilities.

Related link: https://www.downpaymentresource.com/

Depth welcomes Berry College communications major Jasmynn Innis for summer internship

ATLANTA, Ga. /ScoopCloud/ -- Depth, the leading provider of consultative B2B marketing, public relations and reputation management services for mortgage fintech innovators, the residential finance industry and technology for emerging regulated markets (regtech), welcomes Berry College communications major Jasmynn Innis as its 2023 summer intern.

A rising senior at Georgia's Berry College pursuing a public relations concentration and a minor in Spanish, Innis in 2023 earned the prestigious Robert L. Frank Endowed Legacy Scholarship awarded by the college's department of communications. Innis is also a student athlete playing on Berry's varsity volleyball team, recently competing as a member of a DIII national volleyball team in Brazil.

Consistently achieving a dean's list designation in 2020, 2021, 2022 and 2023, she has demonstrated her communication skills as a marketing content creator for the college's Center for Personal and Professional Development, a digital and social media content creator for its student newspaper and a graphic design editor for its literary magazine, the Valkyrie. Innis has also served as a seasonal ambassador for Jeni's Splendid Ice Cream.

"We keep our eyes out for exceptional practitioners, including students who are soon to enter the workforce in earnest, which is how we met Jasmynn," explained Depth founder and president Kerri Milam. "Clearly, Jasmynn possesses the traits essential for a member of the DepthSquad, including high performance standards, personal integrity, intellectual rigor and interpersonal skills, as well as a natural proclivity for communication. We feel fortunate to have found and persuaded Jasmynn to join us for the summer."

Depth's business model was conceived to fill a knowledge and service gap for growth-focused technology innovators driving the modernization and digitization of housing finance. Combining unrivaled strategic insights and top-shelf content development with native digital marketing acumen, Depth has a track record of success fueling adoption solutions and services across the mortgage lifecycle, from customer relationship management (CRM), appraisal and loan origination technology to innovations in mortgage servicing, quality control (QC) and capital markets.

About Depth:

Depth is a leading provider of consultative B2B marketing, public relations and reputation management services for the mortgage lending and residential finance industries. Since 2006, the firm has represented a clientele of established and emerging brands serving mortgage lenders, mortgage servicers, real estate professionals and appraisers. Depth is committed to serving the cause of digital innovation and to practicing the pay-it-forward principle alongside The Golden Rule. Depth is a member and supporter of the Mortgage Bankers Association, Housing Finance Strategies and The Mortgage Collaborative.

For more information, visit: https://www.depthpr.com/

RELATED LINKS:

https://www.berry.edu/

Depth, the leading provider of consultative B2B marketing, public relations and reputation management services for mortgage fintech innovators, the residential finance industry and technology for emerging regulated markets (regtech), welcomes Berry College communications major Jasmynn Innis as its 2023 summer intern.

Related link: https://www.DepthPR.com/

Alliance Group and AIMCOR Group announce strategic partnership to educate and expand awareness around the ‘living’ benefits of life insurance

LAWRENCEVILLE, Ga. /ScoopCloud/ -- Alliance Group, a leading Insurance Marketing Organization based in Lawrenceville, Georgia has forged a strategic partnership with AIMCOR Group and announced its intent to become a member of AIMCOR Group, LLC, a National Insurance Marketing Organization that distributes and services life, disability, LTC and annuity products through a variety of independent, institutional, and alternative channels.

Through this new partnership, Alliance Group will bring its highly touted Living Benefits marketing and training programs to AIMCOR members, while instantly bolstering their own infrastructure with the arsenal of technology, relationships, and business support AIMCOR provides to its members.

"AIMCOR has built a really impressive suite of services and tools that are going to help Alliance Group provide instant value to our agents," said Lee Duncan, Alliance Group's CEO. "Their forward-thinking business philosophies and emphasis on technology really aligned with what we've been doing at Alliance Group for years, which became obvious from our very first meeting. We are really fired up about where this partnership will lead both of our organizations in both the short- and long-term."

"We could not be more excited for adding such a unique arrow in our distribution quiver and offering our members the tools and infrastructure to expand their presence in one of the fastest-growing life insurance market segments," said John Ziambras, AIMCOR Group's President & CEO. "Alliance Group's visionary leadership will greatly accelerate our mission of building what needs to be there for many years to come."

About Alliance Group:

As "The Living Benefits IMO", Alliance Group provides independent agencies and their agents with superior marketing and training solutions. Since 1998, Alliance Group has been helping partners spread awareness about Living Benefits life insurance, while also helping them solve clients' tax-free retirement, mortgage protection, small business planning, and estate planning needs. Alliance Group is considered the industry's foremost leader in Living Benefits life insurance. To learn more about Alliance group, visit https://www.alliancegrouplife.com/.

About AIMCOR Group:

AIMCOR Group is a national insurance distribution organization that is committed to making a difference in the lives of its members, advisors, and consumers by enabling new distribution, engaging consumers and delivering financial security to American families across all ages, income levels and cultural background while introducing excitement to the industry by way of its relentless focus on innovation, expansion, diversification, and profitability. To learn more about AIMCOR Group, visit https://www.aimcorgroup.com/

Alliance Group, a leading Insurance Marketing Organization based in Lawrenceville, Georgia has forged a strategic partnership with AIMCOR Group and announced its intent to become a member of AIMCOR Group, LLC, a National Insurance Marketing Organization that distributes and services life, disability, LTC and annuity products through a variety of independent, institutional, and alternative channels.

Related link: https://www.AllianceGroupLife.com/

Hi Texture Salon Set to Host 3rd Annual Teen Texture Camp

LAWRENCEVILLE, Ga. /ScoopCloud/ -- Award-winning hair salon, Hi Texture Salon, is gearing up to host the third Annual Teen Texture Camp. This year's event is scheduled for July 17, 2023 from 9 a.m. to 1 p.m. and from 2 p.m. to 6 p.m. Participants will learn basic hair regimens and go-to hairstyles to take them through the school year.

The tween and teen years are when most youngsters start to become self-aware and desire independence to style their hair. But people with curly/coily hair face a unique challenge because it requires a lot of patience and skill to create a style that will let them stand out for the right reasons. Sadly, a teen's hair is often the source of poor self-image and lack of self-confidence. But the team at Hi Texture Salon has stepped in to resolve this age-old problem.

Touted as a free back-to-school style workshop, Teen Texture camp is a half-day camp for tweens and teens between the ages of 10-16. The camp is designed to equip attendees with the skills and knowledge to build a strong foundation for caring for their hair. Resident stylists at Hi Texture Salon will empower the teens with information about texture and products, basic hair regimens, cleansing and conditioning, and hands-on skills for executing two-strand twists, flat twists, Wash-and-Gos, and more.

Owner at Hi Texture Salon, India Bertin, said: "When you're a tween or teen, hair is everything. For the team at Hi Texture, this is more than a camp. This is a service to our community. We are equipping the next generation of women and men to embrace their texture and wear it confidently."

One parent, Shameka B., summed up the overall impact of the camp on her daughter. She said: "My daughter had been struggling with her self-esteem during her first year of middle school. After the camp, she was inspired and learned how to take care of her hair."

Registration for the Teen Texture Camp is now open; however, spaces are limited. To register email india@hitexturehair.com.

Learn more about the services offered by Hi Texture Salon at https://www.hitexturehair.com/.

Award-winning hair salon, Hi Texture Salon, is gearing up to host the third Annual Teen Texture Camp. This year's event is scheduled for July 17, 2023 from 9 a.m. to 1 p.m. and from 2 p.m. to 6 p.m. Participants will learn basic hair regimens and go-to hairstyles to take them through the school year.

Related link: https://www.hitexturehair.com