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Conference Coverage

Make a Child Smile at NS3 helps families through industry member’s foundation

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Conference Coverage
Monday, June 23, 2025

Attendees at this year’s National Settlement Services Summit (NS3) not only had the opportunity bring some joy to families in the Pittsburgh area through the annual “Make a Child Smile” community service event, sponsored by Qualia, but they also supported a non-profit near and dear to one of their colleagues.

Participants volunteered to help fill comfort bags to be distributed to single minority mothers and their children by the Bartko Foundation. Essent Title Chief Business Officer Nathan Bossers is secretary for the foundation’s board of directors.

“We always look forward to the opportunity to help children in our host NS3 community,” October Research, LLC CEO and Publisher Erica Meyer said. “The fact that we could also support a charity directly connected to a title industry member makes it even more special. Thank you to Qualia and all our attendees for helping support Pittsburgh families.”

At the Make a Child Smile event Monday night, Qualia team members guided NS3 attendees in filling bags with coloring books, toys, stuffed animals and other comfort items. The bags were presented to the Bartko Foundation on Tuesday.

“One of the biggest highlights for Qualia at NS3 is engaging with the host community through the Make a Child Smile event,” Qualia Chief Marketing Officer Greg Schneider said. “This year, we’re thrilled to partner with the Bartko Foundation, an organization doing crucial work to empower single minority mothers and uplift their children in the Pittsburgh area. Our team looked forward to creating comfort bags together with NS3 attendees, a hands-on way for our community to show support for these local families.”

The Bartko Foundation is a non-profit organization committed to investing in the self-sufficiency of single minority mothers, helping them achieve the goals they have set for themselves related to education, housing, employment and transportation. 

“The Bartko Foundation is deeply grateful to October Research and Qualia for shining a light on the incredible strength of single minority mothers and their children through the Make a Child Smile event,” Bossers said. “Every care package assembled is more than a gift — it’s a message of hope, love and encouragement. Together, we are helping to lift up families, reminding them that their dreams matter and that they are never alone on their journey toward a brighter future.”

The Bartko Foundation will distribute the NS3 comfort bags to local organizations like Catapult of Greater Pittsburgh, which offers emergency resource distribution, peer-to-peer support, wealth building, trauma-informed financial counseling and policy advocacy to ensure systematically disenfranchised communities can meaningfully achieve economic justice and lead dignified and equitable lives.

For more than 12 years, October Research has been hosting the Make A Child Smile event at NS3. It has supported community service organizations across the country, including the Sunshine Kids Foundation, The Saint Louis Crisis Nursery, the Boys & Girls Clubs of Southeastern Michigan, Texas Foster Care and Adoption Services, Ronald McDonald House Charities of Central Florida, Charlotte Ronald McDonald House Charities, Atlanta Ronald McDonald House Charities, The St. Bernard Project, Toys for Tots and Ohio Guidestone.

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12 USC Section 2605 or Section 6 is titled Servicing of mortgage loans and administration of escrow accounts. It pertains to qualified written requests, notices of transfer of servicing and the administration of escrow accounts.
An arrangement that involves a person who is in a position to refer business as part of a real estate settlement service and who has an interest in a settlement services provider.

In the arrangement, the person, who has either an affiliate relationship with or a direct or beneficial ownership interest of more than one percent in a settlement services provider, directly or indirectly refers business to that provider or influences a consumer to select that provider.
An arrangement that involves a person who is in a position to refer business as part of a real estate settlement service and who has an interest in a settlement services provider.

In the arrangement, the person, who has either an affiliate relationship with or a direct or beneficial ownership interest of more than one percent in a settlement services provider, directly or indirectly refers business to that provider or influences a consumer to select that provider.
A mortgage disclosure that lists all estimated charges and fees associated with your loan. In addition to fees and charges, it will list your loan amount, mortgage rate, loan term and estimated monthly payment. Your escrows due at closing for insurance and taxes will also be outlined. Mortgage lenders are legally required to provide a GFE within three days of receiving your application.
A mortgage disclosure that lists all estimated charges and fees associated with your loan. In addition to fees and charges, it will list your loan amount, mortgage rate, loan term and estimated monthly payment. Your escrows due at closing for insurance and taxes will also be outlined. Mortgage lenders are legally required to provide a GFE within three days of receiving your application.
Under RESPA Section 2605(e)(1)(B), a qualified written request is a written correspondence that includes: 1) the name and account of the borrower, or has enough information to allow the servicer identify that information; and 2) a statement of the reasons for the belief of the borrower that the account is in error or provides sufficient detail to the servicer regarding other information sought by the borrower.

A QWR cannot be written on a payment coupon or other payment medium supplied by the servicer.
Under RESPA Section 2605(e)(1)(B), a qualified written request is a written correspondence that includes: 1) the name and account of the borrower, or has enough information to allow the servicer identify that information; and 2) a statement of the reasons for the belief of the borrower that the account is in error or provides sufficient detail to the servicer regarding other information sought by the borrower.

A QWR cannot be written on a payment coupon or other payment medium supplied by the servicer.
12 USC Section 2609 or Section 10 is titled Limitation on requirement of advance deposits in escrow accounts. It governs escrow accounts including notifications and statements to borrowers. Section 10 also sets out penalties for those who violate the section.
RESPA Section 3 provides that a thing of value includes any payment, advance, funds, loan, service or other consideration

Regulation X says thing of value includes: monies, things, discounts, salaries, commissions, fees, duplicate payments of a charge, stock, dividends, distributions of partnership profits, franchise royalties, credits representing monies that may be paid at a future date, the opportunity to participate in a money-making program, retained or increased earnings, increased equity in a parent or subsidiary entity, special bank deposits or accounts, special or unusual banking terms, services of all types at special or free rates, sales or rentals at special prices or rates, lease or rental payments based in whole or in part on the amount of business referred, trips and payment of another person’s expenses or reduction in credit against an existing obligation.
A form used by a settlement or closing agent itemizing all charges imposed on a borrower and seller in a real estate transaction. This form represents the closing transaction and provides each party with a complete list of incoming and outgoing funds. RESPA requires the HUD-1 to be used as the standard real estate settlement form in all transactions in the U.S. involving federally related mortgage loans.
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