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Tammy Butler

Tammy grew up in Havre de Grace, Maryland, right on the Chesapeake Bay. She graduated from the University of Maryland at College Park with a degree in education and a minor in biology. She became the youngest woman to receive a Master CMB and just finished her LSS Black Belt from Purdue University's School of Engineering. Tammy has lived in the Chicago area for the last 25 years, where she raised two sons--one who is a rock star (yes, really) and the other who is a national marketing manager in the mortgage industry. In her spare time, she cooks obsessively, travels frequently and ponders the next big thing in mortgage banking.

Jim Deitch

Jim is a lifelong resident of Pennsylvania, but he has 1 million air miles traveling both internationally and in the United States. He holds an M.B.A. in Finance and is a certified public accountant (CPA) and holds the Mortgage Bankers Association's Certified Mortgage Banker (CMB) designation. Jim founded two national banks and has 25 years' experience concentrating in mortgage banking. His off-duty travels include hiking in the United States, Canada, Peru and Chile, among other counties. Jim has a thrill-seeking side that includes aerobatics at the controls of a P-51 Mustang airplane and rappelling with Colombian military Lanceros (special forces) in Tolemaida, Colombia. He and his wife, Judy, enjoy hiking and have two adult children and two grandchildren.

Joe Garrett

Joe has been in the banking and mortgage banking industry since 1977, with most of his experience being within FDIC-insured banks. He has served on the board of directors of four banking institutions and served as chairman and chief executive officer of two of them. He has taught real estate finance at the University of California, Berkeley, where he received his Bachelor of Arts and M.B.A. He is currently a director and Audit Committee member of a $2.5 billion commercial bank.

Steve Guggenmos

Steve leads multifamily-related research at Freddie Mac. In this role, he performs research related to national and market-specific multifamily conditions. His team supports the multifamily business by developing models and quantitative approaches that determine risk-based capital allocations. The models capture loan-level risks and also the benefits of the diversification and structural credit support for pools of multifamily mortgages, supporting the core business strategies of Freddie Mac multifamily. He earned a master's degree in...

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