FOR IMMEDIATE RELEASE 5/29/2007

Michael Noel Earns Certified Mortgage Planning Specialist (CMPS) Designation.

Tampa, Florida – Michael Noel, a mortgage lender with Meridian Financial Services Corporation, has passed the qualifying exams to earn the Certified Mortgage Planning Specialist (CMPS) designation granted by the CMPS Institute, Ann Arbor, Michigan, a training, certifying and ongoing membership organization created to help mortgage professionals integrate financial planning concepts into the mortgage process. CMPS designees can offer clients strategies that encompass mortgages, debt, home equity and real estate investment.

“My focus is to help my mortgage clients build and protect wealth by better managing their home equity and personal cash flow,” says Noel, one of the few mortgage professionals to have both the CMPS and NAMB Certified Mortgage Consultant designations in the country.

Many homeowners have become frustrated and confused with the myriad choices in today’s mortgage market and the lack of both ethics and financial knowledge among many mortgage providers. The CMPS Institute is a joint effort by leaders in the mortgage and financial planning industries to raise professional standards among mortgage professionals and integrate sound financial planning advice into the mortgage process.

Today life expectancy is higher than ever before; health care costs are skyrocketing; pensions are shrinking; social security is uncertain, and corporate America has gone through one bankruptcy after another. Today’s mortgage market can be a dangerous place for some consumers with certain real estate markets experiencing signs of a “bubble,” and “exotic” mortgages representing a greater market share than ever before. These signs point to the fact that homeowners and buyers need expert advice on how to manage their mortgage, cash flow and home equity.

This trend toward expert mortgage advice is growing in popularity. At the CMPS Institute more than 200 mortgage professionals are taking certifying courses each month. “A mortgage professional who dedicates the time and effort to learn about these financial concepts is much more qualified, committed and equipped to serve the complex needs of today’s home owner and buyer,” says Gibran Nicholas, Chairman of the CMPS Institute.

The CMPS curriculum incorporates five essential skill sets including:

· Financial market and interest rate analysis

· Cash flow analysis

· Debt analysis

· Real estate equity management

· Real estate investment analysis

Michael Noel can be reached at mnoel@flmtgplanner.com, or call

813-571-5828.

For more information on the CMPS Institute go to http://www.cmpsinstitute.org, or call

888-608-9800.

FOR IMMEDIATE RELEASE 3/21/2007

Michael Noel Earns Prestigious National Mortgage Industry Certification

Tampa, Florida – Michael Noel, a mortgage planner at Meridian Financial in the Tampa Bay marketplace, became one of only a small percentage of mortgage professionals to attain the standing as a nationally recognized Certified Mortgage Consultant. Noel passed the NAMB written certification examination on March 21, 2007 in Tampa.

The Certified Mortgage Consultant is administered by the National Association of Mortgage Brokers (NAMB) and is developed through extensive research by industry experts in the mortgage industry. This certification is gained only once the candidate has met certain requirements of experience and knowledge of the mortgage industry has passed a rigorous examination. Certified Mortgage Consultants have also agreed to abide by a Code of Ethics.

Mr. Noel has been lending for 20 years in Florida. He is a graduate of Wake Forest University in Winston-Salem, North Carolina; and he holds a Master’s degree in Business Administration from Georgia State University in Atlanta, Georgia. He is an active member of the Brandon Chamber of Commerce and the Tampa East chapter of Rotary International.

“My primary role is to integrate my client’s mortgage into their overall financial plan to help build long-term wealth. I often create the single largest debt of my client’s personal life- I have a responsibility to structure it correctly and to help professionally manage that debt. In order to do that, I have to study my craft continuously. This certification reflects that commitment”.

NAMB is a not-for-profit organization committed to promoting the highest degree of professionalism for members and to provide ethical and professional standards against which mortgage professionals can be measured. NAMB accomplishes its mission by setting certification and continuing education standards for mortgage professionals and through public education.

https://www.namb.org/images/namb/Certification/DesigneeDirectory6_07%20(2).pdf

http://brandonnews2.tbo.com/content/2007/apr/24/business-briefs/?news-newbusiness

NEWS RELEASE - March 18, 1998

National Reverse Mortgage Lenders Association

Reverse Mortgage Lenders, Related Professionals
Create New National Trade Association

March 18, 1998 - Financial services companies that make, service and invest in reverse mortgages have formed a new national trade association based in Washington, DC.

The National reverse Mortgage Lenders Association (NRMLA) will promote public awareness of the reverse mortgage product; keep members informed of new legislative, regulatory, and market developments; and represent the industry in Washington.

"The reverse mortgage is a beneficial financial planning product that unfortunately too few consumers know about", said Jeffrey S. Taylor, chairman of the board of directors of NRMLA. "As a result, it's a diamond in the rough that offers immense opportunity to older Americans to help them harness their most important asset – their house – to assure them of sufficient capital for living with the comfort of knowing they can stay in their house for years to come.

Taylor continued: "We created NRMLA to make more Americans aware of the reverse mortgage and how it can help them or their parents. By drawing on the substantial resources of lenders and other professionals, we can get the word out. At the same time, we want to make the process of getting a reverse mortgage simpler and more predictable -- both for lenders and consumers".

A reverse mortgage is a special type of home loan that enables older homeowners to stay in their home and maintain a comfortable lifestyle. The loan provides funds to the owner – as a one-time lump-sum payment, fixed monthly payments for life, or line of credit – that are based in amount on the owner's equity in his or her house and the owner's anticipated life expectancy. The loan need not be repaid so long as the homeowner maintains the home as his or her primary residence.

The common reverse mortgage – which is different from the traditional home equity loan – is only 10 years old. There are two primary types of reverse mortgages that dominate the fledgling industry today. These include a reverse mortgage insured by the Federal Housing Administration (FHA), a part of the U.S. Department of Housing and Urban Development (HUD), and the "Home Keeper" reverse mortgage offered by Fannie Mae. In addition to these products, a few private companies -- have created their own proprietary reverse mortgage products.

Fannie Mae, the nation's largest purchaser of home loans, purchases Home Keeper mortgages originated by participating private lenders.

About 25,000 FHA reverse mortgages have been originated to date since the program was authorized in 1987. Approximately 1,000 Home Keeper mortgages have been originated since the start of the program in 1996. However, the potential market for reverse mortgages is enormous and largely untapped. The U.S. Census Bureau has projected that the share of all Americans that is 65 years or older will grow from the current level of 13 percent to 20 percent in 30 years.

Established at a recent organizational meeting in Washington, DC of financial service companies, including lenders and insurance company subsidiaries, NRMLA's membership is open to companies that originate, service, or invest in reverse mortgages, and affiliated professionals involved in or interested in the product.

NRMLA will act as an advocacy organization, promote awareness of the reverse mortgage, and hold periodic national conferences on reverse mortgage lending topics. The organization plans to hold its first conference on May 27-30 in Chicago and a second conference in October in California.

Taylor, chairman of the board of directors of NRMLA, is vice chairman of Wendover Financial Services Corp., Greensboro, NC.

Day-to-day administration of the Association will be managed by Peter H. Bell, whose position is President of NRMLA.

In addition to Taylor, other newly elected officers of NRMLA are: Vice Chairman Roger Reynolds, Norwest Mortgage, Inc., Hemet CA; Vice Chairman Patrick J. McEnerney, BNY Mortgage Company, Inc. (A Bank of New York Company), Harrison NY; Secretary Jeffrey M. Birdsell, ULLICO, Inc., Washington, DC; and Treasurer Harris A. Turkel, GMAC Mortgage Corporation, Horsham, PA.

Other members of the Board of Directors are: Steve Baer, American Senior Income Chicago, IL; George O. Conover, International Mortgage Corporation, Owing Mills, MD; Lloyd Daniel, Senior Loan Center, Inc., Carmichael, CA; Mercy Jimenez, Fannie Mae, Washington, DC; Ken Keranen, Seattle Mortgage Company, Seattle, WA; Nelson Locke, America's Senior Financial Services, Inc., Miami Lakes, FL; Jim Mahoney, Financial freedom Senior Funding Corp., Irvine, CA; Dennis Markus, Transamerica HomeFirst, Inc., San Francisco, CA; Joseph A. Morris, Unity Mortgage Group, Atlanta, GA; Michael Noel, Republic Bank, St. Petersburg, FL; Anthony M. Oh, Hartford Life Insurance Company, Simsbury, CT; and Terry Turk, Sun American Mortgage Company, Mesa, AZ.

http://www.seniorjournal.com/NEWS/ReverseMortgage/98-03-18Formed.htm

Firms interested in further information about NRMLA membership and conferences may contact the Association at 202-939-1760.