Where, on November 3rd, will you find 600 of the top thought leaders in the real estate market, as well as the top 25 brokers and the top 50 agents in Arizona? At our Crystal Ball Conference! You won't want to miss this amazing event! 

For the first time in history, every major bank, servicer, and asset manager will be participating on a speakers’ panel, sharing their thoughts regarding the future of distressed property in Arizona for the next 12 months.

This is the most highly anticipated real estate event of the year! You’ll gain insight into how servicers and banks are liquidating property in Arizona. New programs, philosophies and trends of the Arizona distressed market will be discussed. Inside tips and information on how to navigate the REO short sale and pre-foreclosure market will be shared.

The illustrious panel includes:

Bill Borda, Senior Vice President with Bank of America’s Short Sale, Deed In Lieu and Real Estate Owned organization. Bill’s team is responsible for gathering voice of customer data and using that data as a catalyst for process, policy and technology changes to close more short sale transactions and improve the real estate agent and homeowner experience. Bill’s team is also responsible for conducting education on the Bank of America short sale process for real estate agents.

Bill has been with Bank of America for 12 years and served in a variety of sales, marketing and process design roles at the bank. His key accomplishments within the Home Loans organization include building a broker loyalty program, transitioning more than 5,000 banking centers from a mortgage origination channel to a referral channel and earning his Six Sigma Greenbelt Certification. Bill is a graduate of the University of Delaware and earned a Masters of Business Administration from the University of North Carolina Charlotte. He is based in Charlotte, NC, where he lives with his wife and four children. 

Alex Charfen, Co-founder of the Charfen Institute, LLC, is an entrepreneur, teacher, author, speaker—and is on a mission. Has made a career out of helping agents grow their businesses by learning to cope with shifting markets and better serving their clients. Since the Institute's inception in January 2008, tens of thousands of real estate professionals have attended his education courses and achieved the Certified Distressed Property Expert® (CDPE) designation, making it the fastest-growing designation in real estate industry history. 

Charfen Institute continues to set the pace for the real estate industry by leading the next wave in the market – real estate investment. The company made history again in October 2010 when it launched the only designation specifically addressing the needs of residential real estate investor clients, the Certified Investor Agent Specialist™ (CIAS) Designation.

The CIAS Designation trains real estate agents to find, create, and close with residential real estate investors, providing the necessary tools and strategies to help them make sound investment decisions for their future.


Reginald H. Givens, Foreclosure Assistance Administrator with the Arizona Department of Housing.Currently Reginald is working on the implementation and continuing development of the State’s foreclosure prevention program, Save Our Home AZ, which is part of the U.S. Department of Treasury’s Hardest Hit Fund.

Reginald successfully coordinated the State’s Your Way Home AZ program which is part of the Neighborhood Stabilization Program. Additionally, Reginald works on the National Foreclosure Mitigation Counseling program, designed to help homeowners facing foreclosure by providing them with much needed loss mitigation counseling. Through the combination of these programs, Reginald is helping to bring stability back to our housing market. 


Bob Hora, Short Sale, Deed In Lieu, Real Estate Owned, BAC Field Services & LandSafe Default Executive for Legacy Asset Servicing, Bank of America Home Loans,one of the world’s leading financial services companies and the nation’s leading mortgage servicer. He leads a team of approximately 5,000 associates dedicated to assisting customers with property liquidation and foreclosure prevention strategies.

Mr. Hora has more than 27 years of leadership experience in the financial industry. Most recently, he served as Vice President and Officer for Default Management at Fannie Mae. In this role, he was responsible for supporting Fannie Mae’s servicing portfolio managing loss mitigation caseloads and preferred loss mitigation strategies, as well as managing foreclosure, bankruptcy, and retained attorney activities and related third-party support.

Prior to joining Fannie Mae, Hora was Senior Vice President at GMAC ResCap. His responsibilities included managing the special servicing and subprime loss mitigation platform for first and second liens, including instituting the HAMP program. 

JK Huey, Senior Vice President REO and Short Sale, Wells Fargo Home Mortgage REO and Short Sale, headquartered in San Antonio, Texas. In her role, Huey is directly responsible for managing all REO, Short Sale and Deed-in-Lieu activities for the servicing channel. 

Huey, a 29-year veteran of the mortgage industry, joined Wells Fargo in 2009. Prior to joining Wells Fargo, she was the servicing manager at IndyMac Bank and held senior management positions with Washington Mutual and HomeSide Lending. Huey has managed Customer Service, Default Management, Escrow Administration, Cash Management, Investor Reporting, Acquisitions and Retail Production.

Along with being a Certified Mortgage Banker, Accredited Mortgage Professional, a member of the MORPAC and Loan Administration Steering Committees with the Mortgage Bankers Association of America, Huey was the President of the Texas Mortgage Bankers Association from 1998-1999, the past Chairman of multiple committees, and the recipient of the Young Mortgage Banker of the Year in 1992. 

Brent Taggart, Senior Vice President of business development and client relations at Green River Capital LC (GRC), a leading REO asset management and loss mitigation provider.

The real estate and mortgage trading industries are familiar ground for Taggart, who has more than 14 years experience. Before joining GRC, Taggart was the SVP of trading at 406 Partners where he was responsible for pricing, business development, and client management. He also worked for Credit Suisse in New York, where he managed pricing, due diligence, portfolio management and the portfolio’s servicing oversight as vice president of Scratch and Dent Trading. 

Taggart began his career at Fairbanks Capital Corp., where he discovered a penchant for the mortgage business and began to learn the fundamentals of default servicing. He quickly moved up the company from operations to the analytics department, becoming a senior analyst who meticulously dissected large data sets for clients as well as the senior executive team and served on the Pricing Committee.

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