Calendar of events.

NOVEMBER 2004
Nov. 2-3    National Home Equity Mortgage Association (NHEMA) Mortgage
              Fraud Detection and Beyond, Phoenix [www.nhema.org]
Nov. 2-5    Urban Land Institute (ULI) Fall Meeting 2004, New York
              [www.uli.org]
Nov. 5-8    National Association of Realtors (NAR) 2004 Realtors
              Conference & Expo, Orlando, Florida [www.realtors.org/
              conference]
Nov. 7-9    National Multi Housing Council (NMHC) Annual Apartment
              Technology Conference, Houston [www.nmhc.org/calendar]
Nov. 8-9    Thomson Media Inc. 3rd Annual Finacnial Services
              Outsourcing Conference, McLean, Virginia
              [www.tmconferences.com/conferences.jsp]
Nov. 9      MERS 2004 Southeast Region Workshop, Fort Lauderdale
              Florida [www.mersinc.org]
Nov. 10     MERS 2004 Southeast Region Legal Seminar, Fort Lauderdale,
              Florida [www.mersinc.org]
Nov. 14-17  Environmental Assessment Association (EAA) 2004 National
              Conference of Evironmental Inspectors & Specialists, Las
              Vegas [www.iami.org/expo/eiexpo.cfm]
Nov. 14-17  Housing Inspection Foundation 2004 National Conference of
              Home Inspectors, Las Vegas [www.iami.org/expo/hiexpo.cfm]
Nov. 14-17  2004 National Conference of the National Association of Real
              Estate Appraisers (NAREA). International Real Estate
              Institute and National Association of Review Appraisers &
              Mortgage Underwriters (NARA/MU), Las Vegas [www.iami.org/
              nara]
Nov. 14-19  MBA School of Mortgage Banking Course I, Scottsdale, Arizona
Nov. 15-17  MBA Accounting, Tax and Financial Analysis Conference, Las
              Vegas
Nov. 15-17  PCi 2004 CRA & Fair Lending Colloquium, Orlando, Florida
              [www.cracolloquium.com]
Nov. 17-19  MBA Legal Issues in Mortgage Technology Conference, Las
              Vegas
Nov. 18-19  MBA Residential Underwriting Conference, Las Vegas

DECEMBER 2004
Dec. 1-3    Novogradac & Co. Affordable Housing Conference, Las Vegas
              [www.novoco.com/events]
Dec. 4-7    National Association of Insurance Commissioners (NAIC)
              Winter National Meeting, New Orleans [www.naic.org]
Dec. 6-7    Thomson Media Inc. 6th Annual Mortgage EC Conference, Las
              Vegas [www.tmconferences.com]
Dec. 7-10   National American Indian Housing Council (NAIHC) Legal
              Symposium 2004, Las Vegas [www.naihc.net]
Dec. 9-11   Housing Assistance Council (HAC) National Rural Housing
              Conference 2004, Washington, D.C. [www.ruralhome.org]

JANUARY 2005
Jan. 9-14   MBA School of Mortgage Banking Course I, Las Vegas
Jan. 13-16  National Association of of Home Builders (NAHB)
              International Builders' Show (IBS), Orlando, Florida
              [www.nahb.org]
Jan. 18-20  National Association of Industrial and Office Properties
              (NAIOP) Real Estate Capital Markets Conference, New York
              [www.naiop.org]
Jan. 19     National Multi Housing Council (NMHC) Apartment Markets
              Conference, La Quinta, California [www.nmhc.org/calendar]
Jan. 23-25  Council for Affordable and Rural Housing (CARH) 2005 Midyear
              Meeting, New Orleans [www.carh.org/meetsched.asp]
Jan. 23-26  American Securitization Forum (ASF) 2005 Conference,
             Scottsdale, Arizona [www.americansecuritization.com]

More information on MBA events can be found at www.mortgagebankers.org/
conferences.
Please submit your upcoming meetings/events information for the Calendar
of Events to Lesley Hall at (fax) 202-721-0245 or
[e-mail].
Mortgage Banking reserves the right to edit or exclude listings based
on space constraints and event focus.