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Residential Workgroups


Overview
The MISMO organization has developed a robust set of XML standards for the Residential mortgage industry through the work of its dedicated workgroups. This page contains a list of the MISMO Residential workgroups along with the Chair and Vice-Chair and the address of the electronic mailing list used by the workgroup for announcements and discussion forums.

To join one or more of the mailing lists listed below, please visit the Listserv Sign Up page.

If you have questions or comments about MISMO's organization, please email info@mismo.org.

Residential Workgroups

XML Architecture Workgroup


Purpose:


Oversees the development and proposed maintenance of all MISMO specifications.

Mailing list:

mismo_xml_architecture@listmanager.mismo.org

Chair:

David Krause, Mortgage Bankers Association

Vice Chair:

Greg Alvord, Optimal Blue

Chief Architect:

Greg Alvord, Optimal Blue, LLC



Core Data/Structures Workgroup


Purpose:


The Core Data/Structures Workgroup ensures that consistent data definitions and business information is used across all the MISMO real estate finance specifications. Using data modeling and relational concepts, the group maintains consistent data structure usage for the development of Version 3.0 in XML schema.

Mailing list:

mismo_core_data@listmanager.mismo.org

Chair: Ted Adams , Freddie Mac
Vice Chair: Mike Bixby, eHereNow
Additional Information Core Data Structures


Interface Architecture Workgroup


Purpose:


Enables standards-based methodology, practice, and guidance for the transport, routing and packaging of residential mortgage information. The workgroup defines and develops message exchange patterns for enterprise and trading partner exchange of data and documents for a variety of mortgage banking industry activities.

Mailing list:

mismo_xmla_enveloping@listmanager.mismo.org

Chair:

Rachael Sokolowski, Magnolia Technologies
Vice Chair: RJ Schlecht, MBA
Additional Information Interface Architecture Workgroup


ORIGINATION SERVICES

Mortgage Origination Workgroup


Purpose:


Encompasses three process areas: Application, Underwriting, and Closing

Mailing list:

mismo_origination@listmanager.mismo.org

Chair:

Denise Lawrence, Dynatek

Chair:

Chris Ulbright, Document Systems, Inc.
Additional Information Origination Workgroup Landing Page


Secondary Marketing

Secondary Workgroup


Purpose:


Define a common format for use in transferring mortgage servicing to the residential secondary market. The business data include, but are not limited to bulk transfer, pricing of products, flow/correspondent delivery, secondary marketing, and other related areas.

Mailing list:

mismo_secondary@listmanager.mismo.org

Chair:

Mark Friend, Freddie Mac
Vice Chair:

Vacant

Additional Information: Secondary Workgroup Page


Servicing

Servicing Transfer Workgroup


Purpose:


Define a common format for use in transferring mortgage servicing between servicing systems.

Mailing list:

mismo_servicing_transfer@listmanager.mismo.org

Chair: Mark Friend, Freddie Mac
Vice Chair:

Vacant

Additional Information Under Construction

Servicing Default Workgroup


Purpose:


Develops, electronic standards applicable to the default servicing process encompassing foreclosure, bankruptcy, loss mitigation, eviction, and Real Estate Owned (REO) management.

Mailing list:

mismo_servicing_default@listmanager.mismo.org

Chair: TBD ,
Vice Chair:

TBD

Additional Information Servicing Default Workgroup Page


REAL ESTATE SERVICES

Multi-Services Workgroup

Purpose:


This is the combined working group that represents all the real estate services independent workgroups. It provides a vehicle for MISMO to manage consistent mechanisms and containers for shared needs across these groups. This allows for greater reuse and increased ease of adoption across service areas. Examples of overlapping areas include status handling, product ordering, and embedded files for responses.

Mailing list:

mismo_multi_services@listmanager.mismo.org

Chair:

Eric Mayling, First American Real Estate Information Services

Vice Chair:

Vacant

Additional Information Under Construction


Credit Reporting Workgroup


Purpose:


Manages data elements that can be used by a mortgage originator to request, track and cancel credit reports that are typically required in mortgage lending.

Mailing list:

mismo_credit_report@listmanager.mismo.org

Co-Chair: Paul Wills, Equifax
Co-Chair: Mike Bixby, eHereNow
Additional Information Credit Workgroup page


Flood Workgroup


Purpose:


Manages business data and resulting electronic formats used to request and report flood-related information associated with a real estate transaction.

Mailing list:

mismo_flood@listmanager.mismo.org

Chair:

Beth Martel, First American Real Estate Information Services

Vice Chair:

Rob Allen, Kroll Factual Data

Additional Information Flood Workgroup Landing page


Fraud Detection Workgroup


Purpose:


Defines data elements and transactions used to identify, track and prevent fraud in the mortgage industry.

Mailing list:

mismo_fraud_detection@listmanager.mismo.org

Chair: Denise James, Choicepoint
Vice Chair: Igor Katic, Kroll Factual Data

Additional Information:

Fraud Detection Workgroup Page


Government Housing Workgroup


Purpose:


TBD

Mailing list:

mismo_govt_housing@listmanager.mismo.org

Chair: Dan Kahn, HUD
Vice-Chair: name, company
Additional Information Under Construction


Mortgage Insurance Workgroup


Purpose:


Manages data elements necessary for a mortgage originator to request and communicate the receipt and disposition of mortgage insurance and provide supporting information needed to obtain a mortgage insurance commitment on one or several residential mortgage loans, and supports business transactions relative to servicing-related mortgage insurance transactions

Mailing list:

mismo_mortgage_insurance@listmanager.mismo.org

Chair: Michael Fleck, AIG United Guaranty
Vice Chair: Nancee Gorenstein, Mortgage Guaranty Insurance Corporation
Additional Information Mortgage Insurance Landing page


Property and Valuation Services Workgroup


Purpose:


Maintains the business data definitions and resulting electronic formats used to report and value real estate property information

Real estate property information may incorporate the business information found in real estate appraisals, broker price opinions (BPO), multiple listing services (MLS), inspections and public records that can be used to initiate, modify, or cancel requests for real estate property descriptions. The transaction sets are used to transfer information among real estate industry participants.

Mailing list:

mismo_repi@listmanager.mismo.org

Chair: Rob Frazier, First American CoreLogic
Vice Chair: John Cirincione, Appraisal Institute
Additional Information P&VS Landing page


Real Estate Tax Workgroup


Purpose:


Maintains the business data, definitions, and resulting electronic formats used to request and report real estate tax information

The group is working from existing EDI transactions to develop business elements for XML data transfer.

Mailing list:

mismo_real_estate_tax@listmanager.mismo.org

Chair: Denise Jones, ZC Sterling
Vice Chair: Gretchen Peterson, Dexma

Additional Information:

Tax Workgroup Page


Title Insurance Workgroup


Purpose:


Manages data elements necessary to order, update or cancel title services from a title insurance services company

Mailing list:

mismo_title_insurance@listmanager.mismo.org

Chair: Charles Epperson, Stewart Title Guaranty
Vice Chair: Eric Mayling, First American Real Estate Information Services
ALTA Representative: Kelly Romeo, American Land Title Association
Additional Information Title Workgroup page


SPECIALTY WORKGROUPS

Purpose:

Several MISMO Workgroups are developing standards that cross the boundaries among residential, eMortgage, and commercial standards. While initially focused on the residential arena, their domain is expected to be expanded to coordinate with the other sectors.



Business Rules Exchange Workgroup


Purpose:


Focuses on the development, promotion and maintenance of voluntary electronic commerce standards for the exchange of automated business rules for the mortgage industry

Mailing list:

mismo_business_rules@listmanager.mismo.org

Chair:

John Liston, Associated Software Consultants, Inc.

Chair:

Soofi Safavi, Radian Guaranty, Inc.

Additional Information:

Business Rules Workgroup Page



Document Classification Workgroup


Purpose:


Develops a standardized methodology to identify an electronic document by type and convey related information about the document

Mailing list:

mismo_document_classification@listmanager.mismo.org

Chair:

Rick Moseley, Doxentric, LLC

Vice Chair:

Pat Ditlevson, Wolters Kluwer Financial Services

Additional Information:

Document Classification Workgroup Page



eMCIT Workgroup


Purpose:


The eMortgage Closing Interface Transactions workgroup (eMCIT) defines and develops interfaces that include residential data and documents within a package for an electronic closing between parties.

Mailing list:

mismo_emcit@listmanager.mismo .org

Chair:

Rachael Sokolowski, Magnolia Technologies
Vice Chair:

Vacant



Information Security Workgroup


Purpose:


Provides security-related recommendations, guidelines, education and content in support of the other MISMO Workgroups

Mailing list:

mismo_information_security@listmanager.mismo.org

Chair:

Dick Taylor, Fiserv

Vice-Chair:

Cynthia Watson, First American

SISAC Representative:

RJ Schlecht, Mortgage Bankers Association

Additional Information:

Information Security Workgroup Page