Claim OwnershipMortgage Vault Podcast
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Mortgage Vault podcast is for mortgage industry professionals who want to stay on top of the mortgage market trends. Every week you will hear from senior leaders at some of the largest mortgage lenders & servicers on how to stay ahead of the curve. https://www.vaultedge.com/
29 Episodes
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In this episode we are in conversation with Brad Rice, Founder & CEO at Amerifund Home Loans. Brad has close to three decades of experience across retail & wholesale lending.Brad shares key insights on how lenders could tide over the current market situation by 'looking at the deal & not the decade'.He elaborates that - current high interest rate macro-environment is a part of overall business cycle. Hence, there would always be potential home owners looking to purchase a home. However, we need innovative new products that could help such borrowers qualify despite 7+ % interest rate on home loans. Thus lenders can win by focusing on improving loan product accessibility for such borrowers.Additionally, we also need to empower our LOs, so that they can impart financial literacy to borrowers - helping them choose the right loan product. In the episode, Brad also shares his first hand experience of choosing a tech stack that drives efficiency both on the front office & back office side of business.Listen to the full episode here.This episode is hosted by Vaultedge.Vaultedge is a mortgage automation software that helps you produce & service more loans doing less work. You can visit us on https://www.vaultedge.com/
In this episode we are in conversation with Michael Merritt, Senior Vice President, Customer Care and Default Mortgage Servicing at BOK Financial. Mike is an expert in default servicing with 10+ years of experience across Mr. Cooper, Goldman Sachs & BOK Financial.Mike talks about the current "high interest rate" macro environment, how it's expected to shape default rates in 2023 and what servicers can do, to prepare for it. He also shares how artificial intelligence & ML is critical to keep loan files clean & well indexed. This helps customer agents retrieve the right data in the first instance and provide a smooth servicing experience even during a default surge.Listen to the full episode for practical insights on using a mix of high touch customer service along with AI automation to tide over default surge in a high interest rate environment in 2023.This episode is hosted by Vaultedge.Vaultedge is a mortgage automation software that helps you produce & service more loans doing less work. You can visit us on https://www.vaultedge.com/
In this episode, we are in conversation with Dan Sogorka, CEO & President of Sagent - a cutting-edge technology company that modernizes the lending and homeownership experience for loan servicers and millions of consumers across the country.In this episode, Dan talks about the service industry and what Sagent is doing differently to embrace the tumultuous mortgage market head-on. Dan also discusses how Sagent has embraced technology with its myriad of tools and the quintessential element of empathy for providing a delightful and a seamless experience for its consumers. He shares his perspective about how the industry needs to be surgical, focus on specific needs, and trust the people to deploy the right kind of technology. He believes that the servicing aspect is going to remain strong despite a probable recession. To learn more, listen to the complete episode.This episode is hosted by Vaultedge.Vaultedge is a mortgage automation software that helps you produce & service more loans doing less work. You can visit us on https://www.vaultedge.com/
In this episode we are in conversation with Dan Sogorka, CEO & President of Sagent Lending - a cutting edge technology company that modernizes the lending and homeownership experience for loan servicers and millions of consumers across the country.In this episode Dan dives deep into how mortgage servicing can be made seamless for the end consumer, especially when many borrowers are set to exit forbearance.He also talks about how servicers can improve customer retention by striking a balance between building the right data infrastructure and providing a high touch concierge experience.To learn more listen to the complete episode.This episode is hosted by Vaultedge.Vaultedge is a mortgage automation software that helps you produce & service more loans doing less work. You can visit us on https://www.vaultedge.com/
In this episode we are in conversation with Gagan Sharma, CEO & President of BSI Financial Services, a family of companies that specializes in loan subservicing and special servicing, loan quality control and loss mitigation services. Today, BSI services more than 175,000 agency and non-agency mortgages and is an approved servicer for Fannie Mae, Freddie Mac, FHA, VA and HUD, in addition to private investors.As post COVID relief is set to expire soon, Gagan talks about how mortgage servicers can reduce friction & create a seamless digital experience for consumers exiting forbearance. He also talks about investing in the right technology infrastructure that can help servicers build scalable capabilities to help consumers in a time-responsive manner.Listen to the complete episode to learn more.This episode is hosted by Vaultedge.Vaultedge is a mortgage automation software that helps you produce & service more loans doing less work. You can visit us on https://www.vaultedge.com/
In this episode we are in conversation with Jay Promisco, President of Originations at Sierra Pacific Mortgage. Jay has over decades of experience in the mortgage industry and has been key in implementing several technology initiatives at Sierra Pacific including a custom LOS for retail & TPO - ExpressLoans.Jay talks about the key areas where technology implementations can help lenders become more nimble while reducing their cost of production. He also shares his framework of evaluating a new tool or integration to ensure that it delivers a handsome ROI in near to long termDive into this episode to get practical insights on how lenders can avoid the 'shiny new thing' syndrome while assessing technology implementations within their business.This episode is hosted by Vaultedge.Vaultedge is a mortgage automation software that helps you produce & service more loans doing less work. You can visit us on https://www.vaultedge.com/
In this episode we are in conversation with Phil Shoemaker, President of Originations at Home Point Financial. Phil has over decades of experience in the mortgage industry and prior to Home Point, he served as the COO of Production at Caliber Home Loans.Phil helped us understand the key head-winds and tail-wind for wholesale lenders in the current market conditions. He specifically explains how to strike a balance between building the right technology suite in house while keeping the mortgage experience as high touch as needed.Dive into this episode to get practical insights on how wholesale lenders can use technology as a lever to improve market resilienceThis episode is hosted by Vaultedge.Vaultedge is a mortgage automation software that helps you produce & service more loans doing less work. You can visit us on https://www.vaultedge.com/
In this episode we are in conversation with Max Slyusarchuk, President & CEO of AD Mortgage - by far the leader in non-QM lending space.Max talks about the importance of having in-house technology capabilities to develop custom automation tools for a swifter lending process. For example - AD Mortgage has built an automated underwriting system, ground up. This has helped them achieve the fastest turnaround time for non-QM loans in the industry, that is, less than 48 hours.Dive into this episode to learn more about how in-house technology implementation can provide a competitive edge to lenders in today's choppy market conditions.This episode is hosted by Vaultedge.Vaultedge is a mortgage automation software that helps you produce & service more loans doing less work. You can visit us on https://www.vaultedge.com/
In this episode we are in conversation with Lisa Springer, CEO & Senior Partner at STRATMOR Group. Lisa has over 3 decades of experience in mortgage technology space and currently she heads all strategic initiatives, client experience & technology advisory services at STRATMOR Group. We had a very insightful conversation with Lisa on the state of technology adoption in the mortgage industry - functions where adoption is either leading or lagging amongst lenders & servicers. She also spoke about the four areas where technology partners / vendors should focus on - to act as a catalyst in accelerating tech adoption in the industry.Dive into this episode to learn more about the key elements of digital mortgage for an intuitive lending experience.This episode is hosted by Vaultedge.Vaultedge is a mortgage automation software that helps you produce & service more loans doing less work. You can visit us on https://www.vaultedge.com/
In this episode we are in conversation with Jamie Cavanaugh, COO at Amerifund Home Loans. Jamie talks about her early years in the mortgage industry & how she overturned professional odds during the 2007-08 meltdown to come back stronger & resilientShe also shares her insights on how mortgage lenders can better prepare themselves to face market uncertainties and margin compression. Taking this further, she elaborates on a detailed toolkit to help lenders achieve this very goal - this includes a strong focus on CX, operational efficiency, proactive business development & other measuresGiven the prevalent risk of margin compression - don't miss out on this one. Listen to the complete episode here.This episode is hosted by Vaultedge.Vaultedge is a mortgage automation software that helps you produce & service more loans doing less work. You can visit us on https://www.vaultedge.com/
In this episode we are in conversation with Shawn Ansley, Managing Director at Vice Capital. Vice Capital is a leading hedge management service provider that helps banks, credit unions and mortgage companies manage interest rate risks and maximize profitability in MBS trades and mortgage-related transactions in the secondary market.Shawn shares his perspectives on how secondary markets are expected to perform in the current market conditions. He also talks about the recent automation initiatives at Vice Capital to optimize capital market operations at Vice Capital.Listen to the complete episode today.This episode is hosted by Vaultedge.Vaultedge is a mortgage automation software that helps you produce & service more loans doing less work. You can visit us on https://www.vaultedge.com/
In this episode we are in conversation with Kevin Peranio, Chief Lending Officer at PRMG. Kevin is focused on growing PRMG to $1 billion a month in loan volumes with a focus on all aspects of the lending process up to the point of funding. We had an amazing time talking to Kevin about how technology can be used to improve the lending experience for two major borrower demographics - racial minorities and millennials. Kevin also shared his framework of choosing & deploying a technology stack that provides an order of magnitude efficiency across the loan origination life-cycle.Dive into this super-fun & in depth conversation with Kevin to learn more about the key elements of digital mortgage for an intuitive lending experience.This episode is hosted by Vaultedge.Vaultedge is a mortgage automation software that helps you produce & service more loans doing less work. You can visit us on https://www.vaultedge.com/
In this episode we are in conversation with Eddy Perez, Co-Founder & CEO at Equity Prime Mortgage. Eddy talks about his early years in the mortgage industry & how he pivoted from a being a broker partner to running a full suite mortgage lending company. He also shares his playbook of building a bottom up approach to leadership and driving an organizational culture of transparency. Towards the second half of the conversation Eddy talks about his view - on improving racial equity in homeownership, on driving policy initiatives as the co-chair at IMB Executive Council at MBA and on dealing with the risk of pricing war in current market conditions.Don't miss out on this one. Listen to the complete episode here.This episode is hosted by Vaultedge.Vaultedge is a mortgage automation software that helps you produce & service more loans doing less work. You can visit us on https://www.vaultedge.com/
In this episode we are in conversation with Patricia Arvielo, Co-founder & President at New American Funding. Patty's inspiring journey in the mortgage industry started when she was just sixteen, functioned in various capacities from underwriting to processing before co-founding & growing New American Funding. Being a Latina herself, Patty took a hands-on, bottom up approach in understanding & solving the homeownership problems for the Hispanic community members in the country.Today New American Funding is the largest lender to the Hispanic & African American communities and also ranks in the top 10 retail lenders in the country.Being driven by a passion to give back, Patty uses her extensive experience to mentor women & young professionals through various mentorship programs such as 'Thrive & Lead', '360 Mentorship program' and 'If you want to grow, I want to know'.This episode captures some of the best insights & business lessons in Patty's own words 😊Listen to the complete episode here.This episode is hosted by Vaultedge.Vaultedge is a mortgage automation software that helps you produce & service more loans doing less work. You can visit us on https://www.vaultedge.com/
Peter Drucker once famously said - "Culture eats strategy for breakfast." All successful leaders recognize that culture of your company always determines success regardless of how effective your strategy may be.In this episode, Alexander Rosenblum, CEO at Axia Home Loans shares how a people centric leadership empowered his teams & employees to align their personal ambitions with company goals. This is also reflected in how the Axia Home Loans is structured - It is America's first 100% employee owned mortgage company. Alexander, connects the dots for us to understand that being people centric yields rich dividends in terms of strong cash position, flexibility to pivot & exceptional talent retention. Listen to the complete episode to learn how Alexander re-engineered the people culture at Axia Home Loans to drive business growth year on year. This episode is hosted by Vaultedge.Vaultedge is a mortgage automation software that helps you produce & service more loans doing less work. You can visit us on https://www.vaultedge.com/
In this episode we are in conversation with the very charismatic - Laura Brandao, President at American Financial Resources (AFR). Laura's life story is nothing short of extra-ordinary. She candidly talks about her early professional years & how she dove-tailed it through passion, hard-work and extreme ownership. Today she is a business leader who dons many hats. While she heads AFR, she is also a very influential thought leader, a champion of women equity in mortgage industry, a motivational speaker, a podcast host and an author !Listen to the complete episode to learn how Laura was able to build her own doors to be able to walk through them. :) This episode is hosted by Vaultedge.Vaultedge is a mortgage automation software that helps you produce & service more loans doing less work. You can visit us on https://www.vaultedge.com/
Mortgage lenders are operating in a highly competitive environment with declining refi volumes and dwindling housing supply. The question is - how do they rise above the rest and become the 'partner of choice' for prospective borrowers.In today's episode, we are in conversation with Craig Strent, CEO at Apex home loans to understand the building blocks of a successful customer experience strategy. Craig talks about his 360 degree approach towards customer delight & the exact steps his company takes to provide the best in class customer experience for borrowers.Listen to the entire episode here.This episode is hosted by Vaultedge.Vaultedge is a mortgage automation software that helps you produce & service more loans doing less work. You can visit us on https://www.vaultedge.com/
Amerifirst Home Mortgage is one of the fastest growing financial company, as recognized by Inc. magazine, with presence in over 70 locations nationwide. In this episode we are in conversation with Mark A.Jones, CEO at Amerifirst to get his views on equity in home ownership and impact of fair lending regulations on IMBs. Mark also shares how Amerifirst has been able to institute - home ownership equity in hispanic community as a key business driver.Listen to the complete episode to learn more about Amerifirst's best practices in serving community homeownership needs.This episode is hosted by Vaultedge.Vaultedge is a mortgage automation software that helps you produce & service more loans doing less work. You can visit us on https://www.vaultedge.com/
In this special edition we are in a candid conversation with David Lykken. David is a 43 year industry veteran, has been an owner-operator of three mortgage banking companies, a software company and several leading consulting firms. He is currently the founder & CEO of Transformational Mortgage Solutions that helps companies grow through Consulting, Executive Coaching and Communication strategy. He is also the host of the very famous weekly radio podcast, Lykken on Lending, that is heard Mondays at noon (Central Time) by thousands of mortgage professionals nationwide.We talk to David about how to discover your 'why' and build a great people culture at your company. David also shares his insights on - how can lenders navigate the uncertainties post forbearance exit & in a rising interest rate environment.Listen to this exclusive episode where David Lykken himself, shares some of his most priceless perspectives.This episode is hosted by Vaultedge.Vaultedge is a mortgage automation software that helps you produce & service more loans doing less work. You can visit us on https://www.vaultedge.com/
McLean Mortgage is a rapidly growing home mortgage lender based out of East Coast that was featured by Energage as a winner of the 2021 Top Workplaces USA.In this episode, we are in conversation with James Nader, CEO at McLean Mortgage Corporation to understand his unique perspective on - why humanizing the lending process has been core to their customer excellence strategy.James also shares his insights on the impact of rising interest rates, forbearance exit and fed tapering on homeownership trends in the year ahead.Don't miss out on this episode.This episode is hosted by Vaultedge.Vaultedge is a mortgage automation software that helps you produce & service more loans doing less work. You can visit us on https://www.vaultedge.com/
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