1-3: World Research Group: Internet mortgage origination and home equity lending. Caribe Royale Resort Suites, Orlando/Lake Buena Vista, Fla. 800-647-7600 or (fax) 800-717-3237.

3-5: Mortgage Bankers Association of America: 1999 "Increasing Your Sales and Expanding Your Market Share" conference. Hilton at Walt Disney World Village, Orlando. 800-793-MBAA.

10-14: National Housing and Rehabilitation Association: 1999 annual meeting. Ritz-Carlton, San Juan, Puerto Rico. 202-939-1750 or (fax) 202- 265-4435.

14-17: Faulkner and Gray: national collection and credit risk conference. Caesars Palace, Las Vegas. 212-631-1480.

14-18: Independent Bankers Association: national convention and Technology World. Muscone Center and Marriott San Francisco.

14-19: Mortgage Bankers Association of New Jersey: regional conference- "Courage, Heart, and Wisdom for Y2K." Trump Taj Mahal Casino Resort, Atlantic City. 973-379-7447.

17-19: Mortgage Bankers Association of America: national loan production conference. The Mirage, Las Vegas. 202-861-6500.

17-20: National Home Equity Mortgage Association: annual conference. The Westin Mission Hills, Rancho Mirage, Calif. 202-347-1210.

23-26: Mortgage Bankers Association of America: annual national Technology in Mortgage Banking conference. Chicago Hilton and Towers, Chicago. 800-793-MBAA or (fax) 202-466-2479.

24-26: Bank Administration Institute: bank marketing conference. Buena Vista Palace, Orlando. 800-323-8552.

29-31: World Research Group: Subprime Mortgage '99. The Westin Harbour Castle, Toronto. 800-647-7600 or (fax) 800-717-3237.

If you are planning a mortgage conference and want it listed, please send details to: Hala Habal, staff writer, American Banker, One State Street Plaza, New York 10004. Please give us the name and phone number of someone we may contact for additional information.

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