Chip Cummings
With more than 27 years experience in the mortgage lending industry and over a billion dollars in sales volume, Chip has been President and CEO of both large and small companies, and has worked with numerous Fortune 500 firms.
As a recognized expert in the field of e-marketing, he has trained and entertained thousands of sales professionals and audiences around the world in the area of sales and marketing, leadership and business-building strategies. His client list includes such companies as AT&T, Bank of America, GMAC, Ellie Mae, First American Companies, Blue Cross & Blue Shield, General Electric and hundreds of others.
Chip has appeared on numerous radio and television shows including Fox & Friends, NBC, The Neil Cavuto Show, and authored over a hundred articles in various publications, and his books include:
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| “Mortgage Myths – 77 Insider Secrets to Saving Thousands on Home Financing” (Wiley, 2008);
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| “ABC’s of FHA Lending” (Northwind, 2007);
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| “Stop Selling and Start Listening! – Marketing Strategies That Create Top Producers” (Northwind, 2005);
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| “Foreclosure Myths – 77 Insider Secrets to Buying Distressed Properties” (Wiley, 2008); and
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| his recent #1 best-selling “Cashing In on Pre-Foreclosures and Short Sales” (Wiley, 2009).
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Chip is a Certified Mortgage Consultant, or CMC; is a certified national trainer for over 35 state and national organizations, and also provides specialized marketing, operational and systems consulting for several industry associations and companies. He currently serves as the President of Northwind International Corporation, is a recent President of the MMBA, member of the NAMB National Education Committee, a licensed mortgage lender, and is the recipient of several industry awards.
Chip’s passion and mortgage lending experience, combined with years of practical sales and marketing know-how, promises to provide an entertaining, educational and energizing experience for your audience!
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Areas of Professional Expertise
Residential Real Estate Financing – Conforming; Sub-Prime; Conventional; FHA; VA; MSHDA; Construction;
Land Contract; First/Second/Equity Lending; Federal & State Lending Regulations
Commercial Real Estate Financing – Conforming; Non-conforming; Construction; Multi-Family/Retail/Mixeduse/Industrial/Special Use Properties
International Speaker, Corporate Trainer, Consultant, Published Author of several books
US Department of Housing & Urban Development – Federal Housing Administration Regulations
Secondary Marketing / Warehousing / Internal Operations / Origination, Processing and Closing
Mortgage Licensing, Regulation & Administration; Arbitration; Mediation; Opinion Letters
Home Owner Equity Protection Act (HOEPA) – Predatory Lending – RESPA/Truth In Lending Act
Consumer Credit – Fair Credit Reporting Act - Consumer Identity Theft
Experience in State and Federal courts, Dept. of Justice and Federal Investigations (FBI, SSA, HUD)
Professional Experience
| Real Estate Finance / Sales
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| 25 years
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| November 2000 - Present
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| Northwind Financial Corporation President
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| November 2000 - Present
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| Rum Creek Financial Corporation CEO / President
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| April 2000 - November 2000
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| Exchange Financial Corporation Executive Vice-President
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| October 1993 – April 2000
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| Evergreen Mortgage Corporation CEO / President
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Accomplishments & Certifications
| 2009
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| Author “Cashing In on Pre-foreclosures” (Wiley) hits best-seller list
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| 2008
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| Author “Mortgage Myths” (Wiley) hits best-seller list
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| 2006 - Present
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| NAMB Trainer Certified in 40+ states for Continuing Education Trainer
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| 2002 - 2003
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| President Michigan Mortgage Brokers Association
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| 1997 - 2005
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| Officer / Director Michigan Mortgage Brokers Association
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| 2001 - Present
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| Committee/Chair National Assn of Mortgage Brokers - National Education
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| 2002
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| Award Winner Michigan MBA “Distinguished Leadership Award”
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| 2000
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| Certification “Certified Mortgage Consultant” National Designation
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| 1995 - 1999
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| Officer / Director West Michigan Mortgage Lenders Association
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| 1999
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| Award Winner Michigan MBA “Distinguished Leadership Award”
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| 1997 - 1998
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| Chairman Professional Standards / Ethics – Michigan MBA
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| 1996
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| Award Winner Better Business Bureau – Best in Business – W. Michigan
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| 1999 - Present
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| Certified Instructor National Association of Mortgage Brokers & MMBA
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| 1990 - Present
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| National Trainer various specialized training on Federal / State Regulations; Fair Housing Laws
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