The MikedUp Show

This week’s episode takes us through a deep, eye-opening conversation with Kevin Peranio, Chief Lending Officer of Paramount Residential Mortgage Group (PRMG). Kevin reflects on a career rooted in adapting, learning, and leading through nearly two decades of seismic shifts in the mortgage industry—from regional markets to nationwide lending cycles. Kevin’s journey begins in 2001, when he helped expand First Magnus Financial throughout Texas and Florida. As both a launchpad and learning ground, these regional markets taught him the power of regulation, local demand dynamics, and credit evolution—especially as the Community Reinvestment Act influenced lending, independent mortgage bankers rose to prominence, and credit standards expanded. He then walks us through the factors behind the global financial crisis—risky lending, shifting consumer behavior, big bank practices, and failing oversight—and how those lessons reshaped how lenders should act responsibly. Kevin brings this full circle with the story of North Star Lending, where he served as COO from 2007–2010, rebuilding trust and standards through lean operations and smarter lending after the crash. Today, Kevin runs the loan process at PRMG with precision—focusing on customer satisfaction and quality control across the board. His experience and leadership offer rare clarity on how to lead lending not just with volume, but with integrity and foresight. Topics Covered: The 2000s real estate boom through regional lenses: Texas vs. Florida How lenders balanced community mandates, market expansion, and credit risks The origins and impact of the 2008 crisis—then and now Building a post-crisis lending business centered around culture, efficiency, and service Kevin’s vision for PRMG’s future—balanced, customer-first growth with resilient processes This episode is essential for originators, executives, and anyone wondering how mortgage leadership evolves in the wake of disruption. Kevin’s story is a reminder that leading lending is equal parts strategy, experience, and responsibility. About Our Sponsors Mortgage Connect – A full-service mortgage solutions partner delivering end-to-end support across closing, title, valuation, and loss mitigation. Visit https://www.mortgageconnectlp.com Aidium – Modern CRM and lead management tools built specifically to help mortgage professionals streamline pipelines and grow business. Visit https://www.thinkaidium.com Floify – A leading mortgage point-of-sale platform making it easier for lenders, borrowers, and agents to manage digital loan applications from start to finish. Visit https://www.floify.com Truework – Employment and income verification solutions built for fast, secure lender access to trusted borrower data. Visit https://www.truework.com FundingShield – Advanced risk detection and borrower identity verification tools tailored for mortgage and commercial lending. Visit https://www.fundingshield.com

What does it really take to make homeownership possible for millions of Americans—especially Gen Z, first-time buyers, and families often overlooked by the traditional system? This week, we’re joined by two of the industry’s most passionate voices: Dave Savage and Kristin Messerli, co-founders of FirstHome IQ, a nonprofit on a mission to deliver financial education and empower five million young adults with the tools to become homeowners. About Dave Savage Dave is a legend in mortgage education, known for founding Mortgage Coach and now serving as Chief Innovation Officer at TrustEngine. Over the course of his career, Dave has: Conducted over 1,000 interviews with top industry leaders Built the Mortgage Coach YouTube channel into a leading training platform for loan officers Championed financial literacy as a core mission, believing loan officers are on the frontlines of helping families make smarter financial decisions Co-founded FirstHome IQ to tackle the financial literacy gap for Gen Z and first-time buyers His mantra is simple: Technology won’t replace loan officers—but loan officers who master technology will replace those who don’t. About Kristin Messerli Kristin’s journey began in social work, where she specialized in serving immigrant and unhoused communities. From there, she launched Cultural Outreach, a groundbreaking multicultural marketing agency, later acquired by NAMMBA. Today, as co-founder of FirstHome IQ, she’s using her voice to bridge the trust gap many consumers feel when it comes to money and financial institutions. Kristin brings her TRUST Framework and personal experience with financial anxiety into her work, creating tools and strategies that resonate with modern consumers. She believes in radical acceptance, authentic education, and turning complex financial decisions into approachable, confidence-building steps. What You’ll Hear in This Episode The real state of financial literacy among Gen Z and first-time homebuyers Why 5 million young adults are at the center of Dave & Kristin’s vision How FirstHome IQ is rewriting the playbook on financial education The role of technology, storytelling, and trust in shaping tomorrow’s mortgage industry Why relationships—not just rates—will define the future of lending The personal stories and leadership philosophies that drive Dave and Kristin This episode is part education, part inspiration, and all about the mission: building a generation of confident, informed homeowners. About Our Sponsors Mortgage Connect delivers a full suite of innovative mortgage services designed to help lenders and servicers exceed borrower expectations. Learn more at https://www.mortgageconnectlp.com Aidium helps mortgage professionals manage leads and relationships with a powerful CRM built for the modern loan officer. Learn more at https://www.thinkaidium.com Floify streamlines the loan process with intuitive digital tools for borrowers, lenders, and Realtors—making the mortgage journey faster and easier. Learn more at https://www.floify.com

This episode welcomes an industry original—Khash Saghafi, founder and CEO of Liberty Home Mortgage—to unpack why, even after 25 years in lending, he still believes “It is always a great day.” Khash isn’t just known for his longevity—he’s built a reputation as the problem solver for homebuyers, whether they have perfect credit or have been turned away elsewhere. His direct-lender model specializes in conventional, VA, FHA, and USDA purchase loans across 45 states, plus rehab, debt consolidation, and options for hard-to-document borrowers.Liberty's core values reflect Khash’s leadership philosophy: Empowering People First. The company fosters a workplace built on open communication, adaptability, initiative, collaboration, and work–life balance—all designed to keep innovation alive while prioritizing well-being.Khash’s reach extends beyond transactions. With over 800 videos and a loyal YouTube following, he’s created a home-buying headquarters that educates and inspires a broad audience—making the market smarter, one video at a time. In this episode, we cover: Why mornings still matter, even in a career that has spanned decades. What does “It is always a great day” mean to someone who’s built from the ground up? How Liberty handles the toughest cases. Conventional, VA, FHA, USDA, debt consolidation—Khash’s team makes the near-impossible happen. Culture over everything. Liberty’s values aren’t just words—they guide decision-making, innovation, and trust across the organization. Why Khash built his brand on education. He shares how his YouTube channel became an authentic outreach tool—not just for leads, but for clarity, learning, and connection. Advice for emerging leaders. From navigating tough deals to building a culture of empowerment, Khash lays out actionable insights for anyone building or scaling in mortgage. Whether you’re a borrower, originator, or industry leader, this episode gives you practical wisdom from someone who’s still excited to get started each day—NO matter how long he’s been doing it. About Our Sponsors Mortgage Connect delivers a full suite of mortgage services built on innovation and customer focus. Visit https://www.mortgageconnectlp.com Aidium powers mortgage professionals with smart CRM solutions that simplify lead management and drive more business. Visit https://www.thinkaidium.com Floify streamlines the loan process end-to-end with digital tools that boost efficiency for Realtors, borrowers, and lenders. Visit https://www.floify.com  

In this inspiring and refreshingly candid conversation, we step into the shoes of Mariana Martinez, a student-athlete turned mortgage industry insider, whose career journey began as an intern at Easy Mortgage App and evolved into a pivotal role managing operations for the Mike’d Up Show. Born in Mexico and thriving at Texas Christian University, Mariana didn’t follow the typical corporate ladder — she leapt into the deep end of a bootstrap tech startup and learned to swim fast. From navigating the uncertainty of her first internship to balancing athletics, academics, and professional responsibilities, Mariana shares the real, unfiltered experiences of a Gen Z professional entering an industry often associated with older generations. She opens up about the cultural adjustments, mindset shifts, and personal growth moments that shaped her journey — from overcoming a devastating athletic injury to learning how to thrive under the leadership of driven, unconventional mentors. Listeners will hear Mariana’s perspective on: Taking risks early — saying “yes” before you’re ready and growing into the role. The pros and cons of working in a fast-moving, high-expectation startup vs. a traditional internship. Lessons from athletics that translate to mortgage teams — teamwork, resilience, and handling change. Communicating with industry titans as a young professional without letting the titles intimidate you. What Gen Z looks for in mortgage companies — and how leaders can make their organizations attractive to the next wave of high performers. Leveraging internships as a launchpad for confidence, career clarity, and even graduate school. This episode is more than a career story — it’s a guide for leaders who want to connect with young talent, for students wondering how to break into competitive industries, and for anyone who believes fresh perspectives are the fuel for innovation. Sponsors Mortgage Connect – A national mortgage services provider offering a full suite of solutions for the mortgage, finance, and real estate industries. Learn more: https://www.mortgageconnectlp.com Aidium – A next-generation CRM platform built for mortgage professionals, designed to streamline workflows, nurture leads, and close more loans. Learn more: https://www.thinkaidium.com Floify – The leading point-of-sale solution that simplifies the mortgage process for lenders, borrowers, and real estate agents through secure document management and automated workflows. Learn more: https://www.floify.com

This week on the podcast, we welcome Kate Amor, Senior Vice President and Head of Enterprise Products at Guaranteed Rate, to talk about leadership, trust, and building connection in an industry where relationships are everything. Kate’s career started right out of college as a mortgage loan officer—a role that gave her firsthand experience in understanding the challenges borrowers face and the deep importance of earning trust at every step. Over time, she advanced into operations, risk, credit, and capital markets, eventually landing in product strategy and development. Today, she leads Guaranteed Rate’s loan product strategy nationwide, shaping the offerings that thousands of loan officers use to serve their clients every day. But Kate’s story is about more than just products and processes—it’s about building trust that lasts. She shares how she uses authentic leadership, resilience, and energy as her professional “superpower” to inspire those around her and rally teams behind big initiatives. Her bright spark, as she calls it, creates momentum and helps transform obstacles into opportunities for growth and connection. In this episode, we dive into: How trust and authenticity form the foundation of meaningful client and team relationships. The power of resilience and mindset in navigating change and evolving housing market cycles. Kate’s three pillars for women in mortgage: know yourself, find your tribe, and take inspired action. Why leadership isn’t about hierarchy—it’s about empowering others and leaving lasting impact. How Guaranteed Rate’s approach to innovation and enterprise products helps create a better experience for both borrowers and loan originators. Kate also opens up about pivotal moments in her career, from early days of learning the business on the front lines to stepping into executive leadership. She talks about how to show up as your authentic self, the importance of surrounding yourself with people who lift you up, and why success is ultimately about empowering others to improve their lives, their communities, and the ecosystems we serve. If you’re looking for inspiration on how to grow your career, lead with authenticity, and build relationships that stand the test of time, this episode is one you don’t want to miss. About Our Sponsors Mortgage Connect: Delivering customized solutions across the mortgage lifecycle with best-in-class service and innovative technology. Visit https://www.mortgageconnectlp.com Aidium: Helping mortgage professionals thrive with intuitive, modern CRM tools built to manage leads, nurture relationships, and close more deals. Visit https://www.thinkaidium.com Floify: A leading point-of-sale platform designed to streamline the mortgage process, from application to closing, making lending faster and easier for everyone. Visit https://www.floify.com

This week on the show, we’re diving into a conversation that connects leadership, capital markets, and representation in mortgage finance. Our guest, Deborah (Deb) Jones, Senior Vice President and Director of Mortgage Secondary and Capital Markets at Citizens, brings over 21 years of experience guiding clients and organizations through one of the most dynamic industries in financial services. Deb’s career spans multiple housing and economic cycles, giving her unique insight into how mortgage markets shift with interest rates, housing inventory, and national economic trends. As the Head of the Mortgage Bankers Association Secondary and Capital Markets Committee, Deb has been a voice for balanced growth, informed policy, and inclusion in an industry that directly affects millions of homeowners. In this episode, we cover: Where mortgage capital markets are headed in 2024 and beyond – including what rising and falling interest rates could mean for borrowers and lenders alike. How inventory shortages and affordability challenges are reshaping mortgage strategies and why underserved markets face unique pressures. Why representation matters in leadership and capital markets, and how diversity of thought and experience leads to stronger, more resilient organizations. Deb’s professional journey – from building a referral-based client business to leading at the executive level. Lessons learned from past market cycles and what today’s professionals can take from them. Deb also shares why she believes 2024 will be a transition year for the industry and why we may see strategic refinancing for recent high-rate loan vintages. She explains how she and her peers view opportunities for borrowers, lenders, and investors as the market adjusts, and why 2025 might look like a “new normal” for purchase markets. This conversation is not just about numbers and forecasts – it’s about people, opportunity, and inclusion in one of the most important sectors of the economy. Whether you’re a loan officer, capital markets professional, mortgage leader, or someone simply curious about what drives home financing in America, this episode gives you insights you can put to work right now. About Our Sponsors Mortgage Connect: Delivering customized solutions across the mortgage lifecycle with best-in-class service and technology. Visit https://www.mortgageconnectlp.com Aidium: Helping mortgage professionals thrive with intuitive, modern CRM tools built to manage leads, nurture relationships, and close more deals. Visit https://www.thinkaidium.com Floify: A leading point-of-sale platform designed to streamline the mortgage process, from applicatio...

This week, we sit down with Andrew Panagos, President of GO Mortgage, for a no-fluff, high-insight conversation on what it really takes to lead a modern mortgage company in today’s shifting landscape. With a career that spans powerhouse brands like Fairway, PHH, Deutsche Bank, and H&R Block Mortgage, Andrew brings over two decades of cross-channel experience—retail, wholesale, direct-to-consumer—and a deep operational mindset grounded in systems, scale, and strategic precision. As the head of GO Mortgage, Andrew is steering a lean, performance-focused machine. But what sets him apart isn’t just his resume—it’s his ability to zoom in on execution without losing sight of people and vision. From managing billion-dollar pipelines to shaping sales, fulfillment, and servicing workflows, Andrew has lived the grind and seen what separates the good from the great. In this episode, we get into: ️ How Andrew built and scaled multi-billion-dollar lending operations without sacrificing speed or service. Why compliance isn’t just a checkbox—but a strategic lever for innovation and market trust. Leadership lessons learned from a career leading massive teams and navigating changing markets. Tech adoption in mortgage: where it works, where it fails, and how to keep it practical. Recruiting the next generation of mortgage talent and building a team that outperforms. The case for process, systems, and a “no heroics” culture in high-volume lending. What the future of the mortgage industry looks like through Andrew’s lens. With his background as a Six Sigma Black Belt and Harvard Business School alum, Andrew offers a unique blend of performance engineering and leadership wisdom. Whether you're in the trenches of originations or making executive decisions about growth and tech stack, this episode gives you an inside look at what operational excellence looks like at the top. About Andrew Panagos: President of GO Mortgage. Former leadership roles at Fairway, PHH, NOIC, Deutsche Bank, Servion Group, and more. Specializes in building scalable mortgage platforms, managing $4B+ pipelines, and leading with precision and people-first execution. Special Thanks to Our Sponsors: Mortgage Connect: A national mortgage services provider offering end-to-end solutions with a focus on compliance, innovation, and customer service. Aidium: The all-in-one CRM built exclusively for mortgage professionals. Automate workflows, boost productivity, and close more loans—with less chaos. Floify: A leading point-of-sale platform that streamlines the loan process for LOs, borrowers, and real estate agents. From application to closing, it’s mortgage simplified.

On this episode, we sit down with Steve Thomas — a veteran mortgage executive, Navy officer, and now the visionary behind FutureWave Finance, a newly launched minority-owned national correspondent lender. With nearly 30 years in residential mortgage, capital markets, and inclusive financial leadership, Steve brings a perspective rooted in innovation, community empowerment, and bold transformation. From his early days at Fannie Mae and Countrywide to leading roles at CastleOak Securities and the Federal Home Loan Bank of Chicago, Steve’s journey is a masterclass in leadership through changing market tides. Now, as CEO and President of FutureWave, he’s building a company aimed at addressing the next great shift in lending: from a rate-driven market to a product-driven one. In this episode, we explore: How FutureWave Finance is designing the next-gen correspondent model What it takes to lead during market shifts, downturns, and reinvention The lasting impact of capital markets experience in retail innovation Steve’s take on DEI, supplier diversity, and what real inclusion means in lending Lessons from a career that spans Wall Street, government-backed institutions, and the Navy The strategic shift toward product-focused lending, and why it matters more now than ever With deep insights into liquidity strategy, pricing execution, and economic change, Steve outlines what lenders need to thrive — not just survive — in today’s mortgage environment. Meet the Guest: Steve Thomas is the President & CEO of FutureWave Finance, a new national correspondent lender. Previously, he served as Senior Managing Director at the Federal Home Loan Bank of Chicago, where he led mortgage capital markets and co-directed the bank’s Office of Diversity and Inclusion. He has held senior roles at CastleOak Securities, Fannie Mae, and Countrywide, and began his professional journey as a Naval Officer. Steve is also a Board Member and Treasurer of Mercy Housing Lakefront, advancing affordable housing and economic equity. Episode Sponsors Mortgage Connect: A leading national mortgage services provider delivering customized solutions that elevate the consumer experience across the mortgage life cycle. mortgageconnectlp.com Aidium: Modern CRM and mortgage growth platform helping lenders close more deals by turning pipeline chaos into clarity. thinkaidium.com Floify: The industry's leading point-of-sale system, helping loan officers streamline workflows and elevate borrower satisfaction. floify.com Subscribe now to get every insight, every strategy, and every guest dropping knowledge to move the industry forward.

This week on the show, we sit down with three of the most compelling voices in the mortgage industry—Rick Roque, Brock Cassidy, and Jeremy Potter—who together host the influential weekly show REALFridays. In this dynamic conversation, we unpack the intersection of leadership, media, and strategy, diving into the insights that only come from three decades of combined mortgage, fintech, and proptech experience. Jeremy Potter, founder of Next Belt Strategies, brings a legal and regulatory edge to the table, shaped by years working in compliance, policy, and strategic leadership roles across the lending ecosystem. His experience spans Norcom Mortgage, Rocket Companies, and now his own firm, where he advises on regulatory clarity, strategic transformation, and housing opportunity through thought leadership and advisory work. Brock Cassidy, currently Chief Revenue Officer at Newzip, shares his journey from Rocket Mortgage to the cutting edge of referral and agent matching platforms. With deep knowledge of fintech integrations and lender partnerships, Brock outlines how Newzip helps mortgage professionals grow purchase business through high-quality real estate relationships in all 50 states—without competition from portals. Dr. Rick Roque is a respected banker, technologist, and strategic advisor, bringing decades of leadership in M&A, growth strategy, and industry education. With speaking credits from over 50 mortgage conferences and a prolific publishing career, Rick shares how his vision for consumer-focused innovation has helped hundreds of lenders scale profitably. We explore the challenges and opportunities of building a relevant media presence in lending, how a weekly show like REALFridays shapes influence and opens doors, and why staying consistent with your message, voice, and content is key to long-term credibility. You’ll hear: What it takes to sustain a podcast and build brand authority How to convert a content platform into real business opportunities Why YouTube is the most underutilized channel in the mortgage world Advice for originators and lenders looking to use media for growth Behind-the-scenes of REALFridays: how the trio collaborates and stays real This episode is more than just podcast talk—it’s about leadership, authenticity, and finding your place in a rapidly evolving industry. Whether you're a loan officer, broker, executive, or aspiring thought leader, this conversation will give you real strategies to stand out. Thank you to our sponsors: Mortgage Connect – A leading national mortgage services provider delivering a full suite of solutions to support the entire mortgage lifecycle. Visit www.mortgageconnectlp.com Aidium – CRM built for high-performance mortgage teams. Simplify workflows, connect with leads, and drive more business. Visit thinkaidium.com Floify – A powerful point-of-sale platform built to streamline the loan process for borrowers and LOs alike. Learn more at www.floify.com

In this episode of the podcast, we sit down with Todd Feager, Co-Founder of Haven Home Equity, to explore how lenders and borrowers alike can harness the untapped power of home equity. With over 23 years in the mortgage industry, Todd brings a deep, hands-on understanding of what today’s consumers actually need—especially in the evolving consumer-direct lending landscape. At Haven, Todd has helped pioneer a structured and strategic approach to using home equity, designed not just to pull out cash—but to build long-term financial stability. This episode centers on what Todd calls “The Haven Framework”, a tri-fecta strategy that focuses on three essential outcomes: Cash-Out Reserves – Creating liquidity for emergencies, life expenses, or future investments. Lower Total Monthly Debt Payments – Combining higher-interest debt into more manageable mortgage-based solutions. Shortened Mortgage Terms – Helping borrowers pay off their homes faster and smarter. This conversation goes beyond generic advice. Todd offers real-world insight into how loan officers can reframe conversations with borrowers—from selling rates to creating strategic equity plans that maximize both immediate relief and long-term impact. He shares the mindset, tools, and scripting that Haven loan officers use to help clients move from uncertainty to clarity—often in a single call. Whether you're a lender looking to modernize your offering, or a borrower trying to understand your best path forward, this episode will leave you with tactical takeaways and a renewed sense of what's possible in home equity lending. Key themes: – How to succeed in a consumer direct environment – Making home equity work for borrowers in a high-rate market – Building scalable lending strategies that actually deliver value – What it means to offer advice-driven lending—not just products Brought to you by our sponsors: Mortgage Connect Aidium Floify

What does it take to lead one of America’s largest independent mortgage banks in today’s market—and still put the customer at the center of it all? In this episode of MikeDrop, we sit down with Justin Messer, the President and CEO of Prosperity Home Mortgage, to unpack the leadership mindset, technology strategy, and service-first culture that’s redefining the mortgage experience from the inside out. With more than 15 years of mortgage leadership experience, Justin has seen the evolution of the industry from multiple vantage points—from his early roles at Quicken Loans (now Rocket Mortgage) to building out Prosperity’s executive team. Now as CEO, he brings a modern, customer-focused lens to lending—balancing innovation with service, growth with stability, and speed with trust. Prosperity by the Numbers: Licensed in 49 states + DC 500+ Mortgage Consultants across the country $25 billion funded between 2021–2022 A subsidiary of HomeServices of America, the largest real estate company by closed units in the U.S. Under Justin’s leadership, Prosperity has made bold moves to remain at the forefront of tech-enabled lending while never losing sight of the personal touch that makes home financing human. In 2024, the company was ranked #1 in customer satisfaction in J.D. Power’s U.S. Mortgage Origination Satisfaction Study—testament to a leadership style rooted in empathy, experience, and relentless pursuit of excellence. ️ Inside the Episode: How Justin went from the University of Michigan to the top seat of a national mortgage bank What “customer-first” really means in a world of automation and algorithms Lessons from his time at Rocket Mortgage and The Long & Foster Companies What it takes to lead through market shifts, rate changes, and economic uncertainty The power of communication, transparency, and culture in building great mortgage teams Justin also talks candidly about what’s next for Prosperity, and how he’s preparing his team not just for the next quarter—but for the next generation of homebuyers. Sponsored by: Mortgage Connect – End-to-end solutions for the nation’s top mortgage lenders. Aidium – The CRM that powers your pipeline and your relationships. Floify – The industry-leading point-of-sale platform trusted by lenders nationwide. .

In this powerful episode of MikeDrop, we sit down with Jeremy Davis, President of Mortgage at Southern Bancorp, to explore what it really means to build legacy through lending. Jeremy doesn’t just talk housing; he lives and breathes it—from grassroots advocacy to C-suite leadership. His journey is a masterclass in mission-driven business, and this episode captures his voice, vision, and unwavering belief in economic empowerment through homeownership. With more than two decades in mortgage and financial services, Jeremy brings serious depth to the conversation. He has led everything from originations and community development to coaching, business growth, and launching inclusive lending platforms. His work is grounded in one truth: homeownership is the cornerstone of generational wealth. And for families too often left behind by traditional lending, Jeremy is on a mission to change that. As President of Mortgage at Southern Bancorp—a nationally recognized Community Development Financial Institution (CDFI)—Jeremy is blending margin and mission with powerful results. Under his leadership, the bank is reshaping access to credit, expanding community lending, and earning accolades like the 2024 MBA Leadership Award for Market Outreach Strategies. In this episode, we talk about: What "legacy lending" really means in today’s world How to scale impact without sacrificing integrity The role of community banks and CDFIs in building generational wealth Lessons from launching FirstBank Forward and InQlusion Mortgage Capital Why representation, accessibility, and advocacy still matter in housing What the next generation of mortgage leaders needs to hear Jeremy also breaks down the mindset behind his high-performance culture, his advice to lenders in today’s market, and how anyone in the housing industry can do more on purpose. If you care about equity, homeownership, and real solutions that work—this is the conversation to hear. Whether you're a loan officer, housing advocate, executive, or just passionate about building a better system, Jeremy's leadership and vision are unmatched. Sponsored by: Mortgage Connect Aidium Floify

In this episode, we sit down with Michael Tannenbaum, the new CEO of Figure Technology Solutions, for a conversation about career growth, smart leadership, and how new ideas are changing the way lending and finance work today. Michael’s path is nothing short of impressive. He helped grow SoFi’s lending operations, including building their mortgage business from the ground up. He later joined Brex as its first employee and played a major role in taking the company from a small startup to one of the most recognized names in the fintech world, with over 1,200 employees and a multibillion-dollar valuation. Now, as CEO of Figure, he’s focused on building financial tools that make borrowing simpler and more transparent for everyday people. Figure is the largest non-bank provider of home equity lines of credit (HELOCs) in the country, with over $14 billion in loans originated for more than 160,000 homeowners. But Michael’s focus isn’t just on the numbers—it’s on helping people access their home’s value quickly, fairly, and with less hassle. He talks about the importance of improving the borrowing experience, not just for lenders and capital markets, but for homeowners across the U.S. We also talk about how technology can improve the lending process—not by making it more complicated, but by cutting through red tape and making sure people get the support they need, when they need it. Michael shares what it means to lead in today’s fast-changing financial world and how he’s bringing fresh energy to Figure’s mission. In This Episode, You'll Learn: How Michael grew from a finance leader at SoFi and Brex to CEO of Figure What it takes to build a business that balances growth with customer experience Why improving how people borrow money can change the future of lending The story behind Figure’s rise in the lending space, and what’s coming next What leaders and lenders can learn from Michael’s journey through three top-tier fintechs Whether you’re a mortgage professional, a homeowner curious about tapping into your equity, or just someone interested in where finance is heading, this episode offers a thoughtful look at the people and ideas driving change. Sponsors: This episode is brought to you by: Mortgage Connect Aidium Floify

In this powerful episode titled Thrive & Lead, we sit down with one of the mortgage industry’s most influential voices—Patty Arvielo, CEO and Co-Founder of New American Funding, and a beacon of leadership, resilience, and equity in financial services. Patty’s story isn’t just about building a mortgage company—it’s about building a movement. From humble beginnings cleaning real estate offices with her mother to becoming the first Hispanic woman to have a School of Business named after her, Patty’s rise to industry titan is rooted in tenacity, vision, and service. She founded New American Funding in 2003 with her husband Rick Arvielo, transforming it into one of the largest Latina-owned private mortgage banks in the U.S., with over 260,000 loans serviced and $70+ billion in volume. In this episode, Patty opens up about: Launching and scaling a mortgage business from scratch How her Mexican-American upbringing shaped her leadership style The creation of game-changing initiatives like Latino Focus, NAF Black Impact, NAF Heroes, and NAF Pride What it really means to "thrive and lead" in a volatile housing market Mentorship, inclusion, and building a team where over 50% are women and 37% are from diverse backgrounds Her tireless work in Washington D.C. advocating for sustainable homeownership We also dive into her work on the Mortgage Bankers Association’s Residential Board of Governors, her advocacy roles with Fannie Mae, Freddie Mac, and HUD, and what she sees as the future of lending. Whether you’re an aspiring mortgage professional, a seasoned entrepreneur, or someone seeking to make a difference in your community, this episode will leave you inspired, educated, and ready to lead with purpose. Patty’s motto? "With risk comes reward." Her legacy? Empowering others to believe they can do it too. Follow Patty on social platforms: @pattyarvielo Learn more about New American Funding at: newamericanfunding.com Our sponsors make this podcast possible: Mortgage Connect – Full-service mortgage solutions built for speed, compliance, and borrower experience Aidium – The all-in-one CRM for modern mortgage teams Floify – Streamline your lending process with award-winning digital mortgage point-of-sale technology

In this episode of The MikedUp Show, we dive deep into what it truly means to build lasting relationships in the mortgage world—one call at a time. Featuring Alec Hanson, CMO at loanDepot and one of the most outspoken voices in modern mortgage, this conversation is all about real connection in a digital-first industry. Alec isn’t just a top-tier executive—he’s a street-built loan officer who has walked the walk, made the calls, built the branches, and led his teams to billions in volume. From originating over $185M in a single year to now shaping the voice of one of the largest lenders in the country, Alec has seen the evolution of the mortgage industry from every angle. And he has one clear message: cold calls aren't dead—bad calls are. Throughout this high-energy episode, we explore: Why the phone is still your most underrated tool How modern mortgage professionals can blend digital branding with human outreach The role of vulnerability and authenticity in customer conversations Why cold calls are not about selling, but serving How to build a local presence in a digital world “You’re not just making calls—you’re creating micro-moments that build trust. That’s the currency today.” Alec shares powerful insights from his books Bypassed and The Modern Lending Playbook, explaining why many local mortgage professionals are losing to the digital customer—and what to do about it. With 24 years in the business, his voice is both rooted in experience and refreshed by innovation. Plus: Alec gets real about coaching, sales culture, brand-building, and how to show up as a leader in your business and in your life. Whether you’re a new originator making your first 100 calls or a seasoned pro rethinking your strategy, this episode is your blueprint for doing it better, smarter, and more human. Who this episode is for: Loan officers, mortgage execs, sales leaders, marketers, and anyone who believes relationships—not algorithms—close deals. — ️ About the Guest: Alec Hanson is the Chief Marketing Officer of loanDepot and one of the industry’s most influential thought leaders. A Scotsman’s Guide Top Originator, HousingWire Rising Star, and author, Alec now leads national growth strategies while empowering mortgage professionals to thrive in the modern market. Follow him @alecthehanson across all platforms. — Sponsored by: Mortgage Connect – End-to-end mortgage services built for lenders. Aidium – The modern CRM designed for mortgage pros. Floify – Streamline your mortgage workflow and borrower experience.

In this powerhouse episode of The MikedUp Show, we dive deep into the evolving world of capital markets with none other than Jennifer McGuinness-Lubbert — a 25+ year mortgage banking veteran and the CEO of Pivot Financial. Jennifer doesn’t just adapt to change — she builds for it. This episode is a must-listen for any independent mortgage banker, originator, or lender looking to play offense in today’s market. Jennifer lays out what it really takes to win — not just survive — in an environment where rates fluctuate, margins tighten, and capital access is more complex than ever. From her early days in structured finance to launching game-changing platforms at Mortgage Venture Partners, Invigorate Finance, and now Pivot, Jennifer brings unmatched insight into: The current and future state of the capital markets The power of non-agency and business purpose lending How to drive revenue when rates aren't in your favor Why every lender needs a plan to keep the revenue they earn Breach of representation & warranty defense  The importance of having a partner who can optimize your performance, not just sell you a product “Lenders need to know how to keep the revenue they earn. It’s not just about origination anymore. It's about managing risk and unlocking new channels.” With rich analogies and actionable insights, Jennifer reframes how mortgage pros should think about growth, protection, and transformation. She also shares Pivot’s dual role as both an aggregator and an asset manager—making her uniquely qualified to help lenders build smarter and protect better. You’ll walk away with a clearer understanding of: How to pivot  toward sustainable profitability The one question every lender should ask before making their next move What truly differentiates a value-add service provider from a commodity player Whether you're new to lending or decades in, this episode is a compass for what's next. Sponsors: Mortgage Connect Aidium Floify

Warehouse lines aren't just financing—they’re a foundation. In this compelling episode of The MikedUp Show, hosts Michael Kelleher and Michael Zau sit down with Chris Avery, Vice President and Relationship Manager at First Horizon Bank, to unpack the crucial intersection of warehouse lines of credit and strategic industry relationships in today’s mortgage banking environment. Chris brings over 30 years of sales and leadership expertise to the conversation—along with a deep understanding of what it means to build and sustain high-performing teams, partnerships, and lending operations. Whether you're a seasoned independent mortgage banker or a rising loan officer dreaming of launching your own shop, Chris delivers practical, transparent advice on how to position your company for long-term success. Why a warehouse line is your lifeline—not just a line of credit The “fishing line” philosophy for networking and relationship-building How to get noticed when you walk into a room or industry event The difference between transactional and relational lending partnerships Why great lenders think like leaders—and how leadership shows up in every meeting The value of legacy in a fast-changing industry: what 161 years of First Horizon experience means for clients How to navigate today’s competitive landscape of “walled gardens” from Rocket, Zillow, UWM, and more Tips for originators wanting to start an IMB—what it takes and how to find the right partners Chris doesn’t just talk about lines of credit—he talks about lineage, legacy, and the long game. With humor, humility, and insight, he shares stories that will leave you thinking differently about how you negotiate, network, and grow your career. Whether you’re building your team or evaluating your capital stack, this episode will have something to teach you about how relationships fuel resilience in mortgage lending. Tune in now and learn why relationships and warehouse lines may just be the most important lines you'll draw in your business. Sponsor Links Brought to you by our partners: Mortgage Connect – www.mortgageconnectlp.com Aidium CRM – www.thinkaidium.com

In today's fast-changing mortgage world, opportunity is shifting—and smart lenders are paying attention. On this episode of The MikedUp Show, hosts Michael Kelleher and Michael Zau are joined by Ben Fertig, President of Constructive Loans, to explore the rise of residential real estate investment products and what they mean for the future of lending. Ben brings nearly three decades of experience across capital markets, credit, and lending leadership. Having helped scale multiple successful platforms—including Jordan Capital Finance and Finance of America Commercial—Ben knows exactly how the game is changing for loan officers, mortgage companies, and real estate investors alike. ✅ Why Residential Investment Loans Are Booming Rental properties and fix-and-flip projects aren’t just niches—they’re a major force in today's housing market, creating steady demand even when rates rise. ✅ RTL, DCSR, and Bridge Loans—Made Simple Ben explains why Residential Transition Loans (RTL) and Debt-Service Coverage Ratio (DSCR) loans are gaining popularity—and why they’re not just for big investors anymore. ✅ Diversification Is No Longer Optional Learn how smart lenders are expanding beyond traditional purchase and refinance products to reach new customers and stabilize their pipelines. ✅ Lower Origination Costs, Higher Repeat Business Investment borrowers often finance multiple properties, creating long-term, recurring opportunities for loan officers who build strong relationships. ✅ Fix and Flip Is Here to Stay Ben shares how Constructive Loans helps lenders tap into the growing market for property rehab, bridge financing, and small-balance real estate investments. ✅ Culture Matters: Building With Trust Ben also gives a behind-the-scenes look at Constructive Loans' employee-first culture, transparency, and why flexibility matters in today’s mortgage environment. "The riches are in the niches. And today, residential real estate investors are one of the fastest-growing borrower segments in America." Whether you're a loan officer, branch manager, or executive, this episode is a must-listen if you want to stay relevant and profitable in today’s evolving market. Special Thanks to Our Sponsors: Mortgage Connect – Revolutionizing mortgage services with cutting-edge solutions. Aidium – The intelligent CRM powering mortgage growth through smarter marketing and better data.

What does it really take to launch a mortgage company in today’s market? In this episode of The MikedUp Show, hosts Michael Kelleher and Michael Zau sit down with Jim Carroll, a seasoned mortgage professional and builder of operations from the ground up. With over two decades of experience across every major role in mortgage—from top-producing loan officer to DE underwriter, recruiter, and executive—Jim brings clarity, candor, and perspective to the high-stakes world of mortgage startups. Jim’s journey began at the family business, The Carroll Mortgage Group, where he started as his father’s assistant and climbed his way through the ranks—eventually leading the company through 23 years of successful growth and multiple HUD audits without a single indemnification. After CMG’s successful merger with Reliant Bank, Jim took on his next challenge: launching an entire mortgage division from scratch at Partners Bank in Alabama in 2024. Whether you’re dreaming of founding your own mortgage company or curious about how the next generation of lenders is navigating 2025, this conversation delivers everything from startup wisdom to operational truths. ✅ The DNA of a Mortgage Startup Why starting a mortgage company in 2025 requires more than great products—it requires resilience, leadership, and institutional clarity. ✅ Lessons from the Ground Up Jim shares the wins, challenges, and key decisions that shaped The Carroll Mortgage Group and how those lessons apply to today’s tech-forward world. ✅ The Importance of Versatility From underwriting to compliance, recruiting to marketing—Jim’s well-rounded experience reveals why founders must wear many hats, especially early on. ✅ Bank vs. IMB: Strategic Differences Having operated in both Independent Mortgage Banking and depository environments, Jim explains the key pros and cons of building inside a bank in today’s market. ✅ Building Culture That Lasts It’s not just about launching—it’s about sustaining. Hear how Jim focuses on hiring right, leading with values, and setting the tone for long-term success. ✅ Startups in a Tech Era With AI, automation, and new platforms changing everything, Jim discusses how startups must stay nimble while staying compliant. Big Thanks to Our Sponsors: Mortgage Connect – End-to-end mortgage solutions trusted by lenders nationwide. Aidium – Smart CRM built to help mortgage professionals grow their pipeline and their business.

In this powerful episode of The MikedUp Show, hosts Michael Kelleher and Michael Zau are joined by Nikki Bialka, an unstoppable advocate for financial inclusion and the force behind Fifth Third Bank’s community lending initiatives. With a career rooted in mortgage, pipeline management, and operations, Nikki’s true passion lies in creating access and empowering underserved communities. She’s not just talking about equitable lending—she’s actively building it. From leading homeownership symposiums across the country to driving national conversations with organizations like MBA, Project REACh, and Su Casa Hispanic Center, Nikki is redefining what community lending looks like. ✅ How Real Community Lending Works Discover how Nikki and her team meet people where they are—literally. From brokers and housing counselors to nonprofits and local leaders, she’s uniting the Avengers of housing. ✅ Every Mortgage Has a Story It all started with hardship letters. Nikki’s journey proves that behind every loan file is a family, a challenge, and a community in the making. ✅ Serving the Underserved Learn how targeted education, cultural connection, and showing up (not just selling) makes the difference in building trust and generational wealth. ✅ Relatability Over Salesmanship Nikki challenges the industry to rethink who shows up for borrowers. It’s not always the polished salesperson—it’s the relatable face that understands the struggle. ✅ Empowering the 98% While only a small percent of people can “sell” their way through problems, Nikki’s mission is focused on the rest—the 98%—who need honest support and real access. “We’re not just helping people buy homes—we’re building communities, one conversation at a time.” – Nikki Bialka This episode is a must-listen for any lender, loan officer, or leader who wants to make a difference where it truly matters. Thank You to Our Sponsors: Mortgage Connect – Revolutionizing the lending experience from end to end. Aidium – Smart CRM tools built for modern mortgage pros who lead with impact.