Keith Kelly is an entrepreneur who created and patented the Mortgage Annuity Revenue Stream (U.S. Patent # 7292995). Mr. Kelly has been in retail mortgage banking for over twenty-nine years. He has been an advocate for proper homeowner education for the past 19 years focusing on strategies for homeowners to help them avoid paying closing costs. His closing cost savings platform has been featured in Money Magazine, The Washington Post, Time Magazine, New York Times, Woman’s World, CNBC and a host of other national publications. He has been a Radio Host of MyMortgageWatchDog on WMAL in Washington, DC. Mr. Kelly has a bachelor’s of science degree from James Madison University.

Robert Catalanotto has over thirty years of experience in the Financial Services Industry. Twenty-two years have been in the secondary mortgage market at Fannie Mae. He has significant experience in all aspects of business strategy, data warehousing, business intelligence, new product development, and mortgage operations. Prior to joining Fannie Mae, Mr. Catalanotto was with GW Fauth and Associates, an economic consulting firm in Washington DC. Mr. Catalanotto has served the credit union industry for over thirty years. He is the past Chairman of the Board of The Partnership Federal Credit Union and also served as the past Chairman of the Board at the Fannie Mae Federal Credit Union having served as Chairman, overseeing its merger with The Partnership Federal Credit Union in 2012. Mr. Catalanotto has a bachelor’s degree in accounting from CW Post College in New York and a master’s degree in international management from the University of Maryland.