Power House

This week, Tom Hutchens, the executive vice president of production at Angel Oak Mortgage Solutions, and Manish Valecha, the head of client solutions at Angel Oak Capital Advisors, join the Housing News Podcast for its season finale. In this episode, the duo discusses the current non-QM landscape, as well as what led to the quick evaporation of the product in March 2020. Additionally, the pair discuss the two newly announced proposed rulemaking notices from the Consumer Financial Protection Bureau on the QM Patch, and what those changes could mean for the industry at large. The Housing News Podcast is a weekly wrap of the top news stories by HousingWire CEO Clayton Collins. Each week, HousingWire interviews financial services experts who can help make sense of the latest headlines, sponsored by our partners at Arch MI and Quicken Loans Mortgage Services. Here are links to the topics discussed: Did non-QM just disappear from the market? Non-QM lending has disappeared from the market Non-QM lending inching back into the market CFPB to eliminate DTI requirement from qualified mortgage standards

This week, Carl Tyree, the executive vice president, and chief sales officer at Arch Mortgage Insurance, joins the Housing News Podcast to discuss how the growth of the nonbank originator channel is impacting the housing industry.In this episode, Tyree discusses the amount of servicing volume that Independent mortgage bankers are retaining and how they’ve managed to navigate the COVID-19 pandemic.Additionally, Tyree explains how mortgage insurance companies work with lenders throughout the forbearance process and explains why the implementation of new technology has been critical for ensuring the mortgage industry’s survival.The Housing News Podcast is a weekly wrap of the top news stories by HousingWire CEO Clayton Collins. Each week, HousingWire interviews financial services experts who can help make sense of the latest headlines, sponsored by our partners at Arch MI and Quicken Loans Mortgage Services.Here are links to the topics discussed: Share of mortgages in forbearance rises to 8.5% Fannie Mae, Freddie Mac forbearance rate is ‘manageable,’ Calabria says David Stevens stresses the important role of IMBs [PULSE] The value of warehouse lenders in the mortgage market

This week, the Housing News Podcast features a bonus crossover episode from HousingWire’s Daily Download. In this episode, HousingWire Digital Producer Alcynna Lloyd interviews The Urban Institute‘s Alanna McCargo on how the COVID-19 pandemic is likely to impact America’s black homeownership rate. For some background on the interview: Last year, the homeownership rate for black Americans fell to 40.6% in the three months through June, the lowest level in the Census Bureau’s quarterly data going back to 1994, according to a government report. It was the smallest share recorded for black households since the 1950 decennial Census when it was 34.5%.The downward trajectory began in 2007 when predatory home loans started going into default, sparking a financial crisis that spread across the globe as trillions of dollars in mortgage securities lost value. While the overall U.S. homeownership rate fell from 68.4% at the beginning of 2007 to 64.1% in 2019’s second quarter – a drop of just over four percentage points – the decline for black Americans was much steeper. The rate went from 48% to 40.6%, dropping more than seven percentage points. And now data shows, that the coronavirus pandemic is likely to worsen prospects for Black Americans, which will lead to a larger gap in the homeownership rate.The Housing News Podcast is a weekly wrap of the top news stories by HousingWire CEO Clayton Collins. Each week, HousingWire interviews financial services experts who can help make sense of the latest headlines, sponsored by our partners at Arch MI and Quicken Loans Mortgage Services. Here are links to the topics discussed: Biden urges support for black businesses and homeownership [PULSE] 3 ways to increase and empower black homeownership Homeownership rate for black Americans drops to record low

This week, Austin Niemiec, the executive vice president at Quicken Loans Mortgage Services, joins the Housing News Podcast to discuss the housing industry’s rapidly changing landscape. In this episode, Niemiec discusses his evolution in the mortgage industry and offers insight on how best to coach teams during these turbulent times. Additionally, Niemiec touches on the nation’s significant uptick in forbearance requests from financially strained borrowers, growth in the wholesale lending market, and expanding mortgage refinancing volume. The Housing News Podcast is a weekly wrap of the top news stories by HousingWire CEO Clayton Collins. Each week, HousingWire interviews financial services experts who can help make sense of the latest headlines, sponsored by our partners at Arch MI and Quicken Loans Mortgage Services. Here are links to the topics discussed: Has the mortgage forbearance curve flattened? Fannie Mae, Freddie Mac will allow borrowers who took forbearance to refinance their mortgage Is now a good time to buy a home? Mortgage refinancings set to surge to a 17-year high

This week, MBS Highway Founder and CEO Barry Habib joins the Housing News Podcast to discuss how the COVID-19 pandemic continues to impact the nation’s housing ecosystem. In the second half of this two-show episode, Habib explains why U.S. markets now face an uphill battle as the unemployment rate falls to Great Recession levels, and why first-payment defaults on forbearance are problematic for the housing finance sector. Additionally, Habib discusses a conversation he had with Federal Housing Finance Agency Director Mark Calabria regarding the state of U.S. mortgage servicing. According to Habib, Calabria anticipates there's a good chance the nation’s forbearance window might close at the end of May. The Housing News Podcast is a weekly wrap of the top news stories by HousingWire CEO Clayton Collins. Each week, HousingWire interviews financial services experts who can help make sense of the latest headlines, sponsored by our partners at Arch MI and Quicken Loans Mortgage Services. Here are links to the topics discussed: Banks have the biggest share of mortgages in forbearance Nearly 500,000 borrowers went into forbearance in the last week Democrats press top mortgage servicers on forbearance issues HUD watchdog: Some servicers are providing wrong information about forbearance

In this custom episode presented by Ellie Mae, HW+ Managing Editor Brena Nath talks to Ellie Mae Senior Vice President of Product Strategy and Management Eric Connors on how the mortgage industry is going to move forward in this new normal due to the COVID-19 pandemic. Now that it’s the beginning of May and more states are starting to provide updates around the stay-at-home orders, Connors shares how the industry has been learning to adjust to the changes in the market, such as the reduction in rates and the increase in volume, all while figuring out the new normal of working from home. Given how COVID-19 has changed how people in this industry view technology both internally and externally, Connors states, “Imagine if this event had happened 10 years ago on the state of things like the internet, the bandwidth, videos, zoom, all of these things 10 years ago, was a very, very different environment?” He adds that the industry has made significant strides in how they accept this whole process, saying it is going to be very ground-shaking in what it means to the digital part of people’s lives and how they engage with and leverage tools. The other area that Connors emphasizes is the impact that the pandemic is having on the eClosing side of the equation. "This is obviously going to become a higher priority for many of the lenders out there. In particular, the remote online notary and a lot of the legislative constraints that we've had around that I think are likely to start seeing some movement,” he states. “I think those are going to be two things to sort of watch out for as we go through how this new norm of adopting and leveraging technology, maintaining that engagement, even though we are remote, and then sort of the legislative side of this where we have had legislation in the way of making that more realistic for the experience.” Lastly, as the industry continues to collaborate at the Ellie Mae Virtual Experience conference, Connors shares some of the biggest trends he’s hearing from lenders and what tips and tools people should bring into the rest of 2020. The Housing News Podcast is a weekly wrap of the top news stories by HousingWire CEO Clayton Collins. Each week, HousingWire interviews financial services experts who can help make sense of the latest headlines. For the latest updates on Ellie Mae’s Virtual Experience 2020 Conference, go here.

This week, Voice of Appraisal's President, Phil Crawford joins the Housing News Podcast for episode eight to discuss how COVID-19 has transformed the appraisal process for the nation's homebuyers. In this episode, the host of the Voice of Appraisal Radio podcast also touches on whether or not the business is an essential service. Crawford also shares his perspective on why appraisers need a bigger voice in policymaking and touches on the potential impact of some recent announcements from federal banking regulators that allow appraisal postponements up to 120 days after a mortgage. The Housing News Podcast is a weekly wrap of the top news stories by HousingWire CEO Clayton Collins. Each week, HousingWire interviews financial services experts who can help make sense of the latest headlines, sponsored by our partners at Arch MI and Quicken Loans Mortgage Services. Here are links to the topics discussed: Are appraisals an essential service? The fragmented voice of the appraisal industry Credit unions can now also delay appraisals until 4 months after a mortgage closes Banks can now postpone some appraisals until 120 days after a mortgage closes

In this custom episode presented by Ellie Mae, HW+ Managing Editor Brena Nath talks to Ellie Mae Senior Vice President of Marketing Jonas Moe. Moe shares some advice on how to pivot marketing strategies right now given the new social distancing world we’re in. Using their own Ellie Mae Experience conference as an example, Moe explains what it means to think of things virtually first, since the idea of having face-to-face meetings is so ingrained. When it comes to this new way of engaging with peers, Moe adds, “I think one of the things that a lot of us are adjusting to is what success looks like, and how do I measure success in that virtual world?” He also touches on how Ellie Mae’s Virtual Experience 2020 Conference kicked off this week, opening the door to a new type of networking experience and collaboration. “We’ve adapted a lot of content to be relevant to the time we're in now. Even thinking about where we were 60 days ago to where we are now, we've adapted a lot of the sessions and rejiggered them in many ways to talk about how businesses go forward in this COVID-19 world,” says Moe. “I want people to walk away understanding what Ellie Mae can do for them from a business perspective, and I want them to collaborate with each other so that they understand what tips and tricks are making them successful in this world where they've had to adapt their whole workforce.” With Ellie Mae’s Virtual Experience 2020 Conference in full swing, they also announced that they will be donating $10 for every person who registers for Virtual Experience to GetUsPPE.org, an organization that is providing personal protective equipment to the doctors, nurses and first responders on the front lines. They will be donating up to $50,000 based on registrations. The Housing News Podcast is a weekly wrap of the top news stories by HousingWire CEO Clayton Collins. Each week, HousingWire interviews financial services experts who can help make sense of the latest headlines. For the latest updates on Ellie Mae’s Virtual Experience 2020 Conference, go here.

This week, AMC Lending Group's Senior Loan Manager, Logan Mohtashami joins the Housing News Podcast for episode eight to talk about the housing market's rebound. In this episode, the HousingWire columnist and housing data analyst dives deeper into his recent article, "The Housing Industry isn’t as doomed as it may seem…” which discusses the housing market’s potential rebound following the COVID-19 pandemic. Mohtashami also shares his perspective on what he thinks will be the biggest issues facing the housing industry in the virus’ wake. According to Mohtashami, the housing industry needs to prepare for an uptick in home foreclosures and rapid home price growth due to a lack of housing inventory. The Housing News Podcast is a weekly wrap of the top news stories by HousingWire CEO Clayton Collins. Each week, HousingWire interviews financial services experts who can help make sense of the latest headlines sponsored by our partners at Arch MI and Quicken Loans Mortgage Services. Here are links to the topics discussed: Housing isn’t as doomed as it may seem – Here’s why Mortgage forbearance level now at 5.95% Nearly 3 million borrowers are already in forbearance U.S. inventory of homes for sale reaches record low

The Housing News Podcast is a weekly wrap of the top news stories by HousingWire CEO Clayton Collins. Each week, HousingWire interviews financial services experts who can help make sense of the latest headlines. In this custom episode presented by Ellie Mae, HW+ Managing Editor Brena Nath talks with Ellie Mae Chief Operating Officer Joe Tyrrell to discuss the surge in interest around technology for internal and external purposes due to the COVID-19 pandemic, along with the technology trends that are starting to emerge. Ellie Mae is uniquely positioned to see the juxtaposition between consumer demand in the market and the current state of the secondary market, as they help lenders pull loans all the way through their pipeline and get them into the secondary market. When asked what lessons lenders will learn from this time, Tyrrell said, “I think we’ll never be the same. Even when we all return back to our workplaces, employees are going to have new concerns that they didn't have before, and employers, and lenders specifically, are going to have to really think hard about how they prepare themselves for whatever the next situation might be that disrupts their business.” Tyrrell also shares why Ellie Mae decided to make Ellie Mae Insights, its analytics solution that provides peer benchmarking comparison analysis, generally available, adding that lenders now have access to new data to help them make decisions. And with Ellie Mae’s Virtual Experience 2020 Conference starting next week, Ellie Mae is set to have a much bigger audience than they've ever had, as they prepare to strategize and plan for the future together. For the latest updates on Ellie Mae’s Virtual Experience 2020 Conference, go here.

The Housing News Podcast is a weekly wrap of the top news stories by HousingWire CEO Clayton Collins. Each week, HousingWire interviews financial services experts who can help make sense of the latest headlines sponsored by our partners at Arch MI and Quicken Loans Mortgage Services. This week, Movement Mortgage CEO and Co-founder Casey Crawford joins the Housing News Podcast for episode seven. In this episode, the former NFL player touches on the biggest issue facing the housing finance sector – the ongoing uptick in forbearance requests from the nation’s financially strained borrowers, and the impact it is having on independent mortgage servicers nationwide. Crawford also shares his perspective on how the U.S. mortgage industry can best adapt and overcome challenges during this period of uncertainty. According to Crawford, the mortgage market is one of dramatic highs and dramatic lows. If mortgage companies want to overcome volatility, industry leaders must position their organizations to proactively address problems quickly and decisively. Here are links to the topics discussed: Calabria: No servicer liquidity facility coming, but GSEs may pull servicing from struggling companies MBA “strongly disagrees” with FHFA Director Calabria’s stance on servicing [PULSE] A federal liquidity solution for the mortgage servicing industry [PULSE] IMBs are the path to recovery, not the problem Advertiser Disclaimer: Quicken Loans Mortgage Services (QLMS) – Call for cost information and conditions. Equal housing lender. Licensed in all 50 states. NMLSConsumerAccess.org #3030.

The Housing News Podcast is a weekly wrap of the top news stories by HousingWire CEO Clayton Collins. Each week, HousingWire interviews financial services experts who can help make sense of the latest headlines sponsored by our partners at Arch MI and Quicken Loans Mortgage Services. This week, Mountain Lake Consulting’s CEO David Stevens, who is the former president and CEO of the Mortgage Bankers Association, joins the Housing News Podcast for episode six. In this episode, Stevens who formerly served as the US Assistant Secretary of Housing for the United States Department of Housing and Urban Development under the Obama administration from 2009 to 2011, discusses his perspectives on the current state of the U.S. housing finance industry, particularly on independent mortgage banks and their role in lending. As the industry knows, market uncertainty continues to increase as more and more borrowers request forbearance on their mortgages due to financial difficulty born out of the coronavirus pandemic. According to Stevens, every person in the mortgage finance sector needs to be prepared for an extended duration of credit constraints being applied to the loans they’re attempting to originate. Here are links to the topics discussed: Calabria: No nonbank is too big to fail Calabria: No servicer liquidity facility coming, but GSEs may pull servicing from struggling companies MBA “strongly disagrees” with FHFA Director Calabria’s stance on servicing Calabria does not expect widespread delinquencies due to coronavirus [PULSE] A federal liquidity solution for the mortgage servicing industry [PULSE] IMBs are the path to recovery, not the problem Advertiser Disclaimer: Quicken Loans Mortgage Services (QLMS) – Call for cost information and conditions. Equal housing lender. Licensed in all 50 states. NMLSConsumerAccess.org #3030.

The Housing News Podcast is a weekly wrap of the top news stories by HousingWire CEO Clayton Collins. Each week, HousingWire interviews financial services experts who can help make sense of the latest headlines sponsored by our partners at Arch MI and Quicken Loans Mortgage Services. This week, MBS Highway Founder and CEO Barry Habib, who was recently named the 2020 winner of the Crystal Ball Award, presented by Zillow and Pulsenomics, joins the Housing News Podcast for its fifth episode of season three. In the first half of this two-show episode, Habib discusses the Coronavirus’ impact on the U.S. housing market and explains how a global pandemic hurled the housing finance industry in an economic storm that has yet to pass. Habib, who says “not even Stephen King could have scripted this”, also explains why the Federal Reserve’s desire to lower mortgage rates isn’t just damaging for mortgage servicers, but lenders who now fear losing the ability to hedge their risk. According to Habib, not only does the Federal Reserve need to temporarily slow MBS purchases to allow pipelines to clear, but they must more clearly communicate that mortgage rates and the Fed Funds Rate are not one and the same.Advertiser Disclaimer: Quicken Loans Mortgage Services (QLMS) – Call for cost information and conditions. Equal housing lender. Licensed in all 50 states. NMLSConsumerAccess.org #3030.

The Housing News Podcast is a weekly wrap of the top news stories by HousingWire CEO Clayton Collins. Each week, HousingWire interviews financial services experts who can help make sense of the latest headlines. In this custom episode presented by Ellie Mae, HousingWire Community Editor Brena Nath talks with Ellie Mae President and CEO Jonathan Corr to discuss the state of the mortgage industry and gives some advice on how lenders and companies can navigate everything going on in the industry. Corr also gives an inside look at Ellie Mae’s new Virtual Experience 2020 Conference and the unique opportunities it offers attendees to interact with leading experts and their peers on the top issues in the industry right now. “This is a stressful time for everybody, but how do you put yourself in a position to come out stronger and smarter and faster on the other side?” Corr said. “It really is in times of challenge and crisis where the folks who take it as an opportunity to invest in themselves always end up being more successful when the clouds clear and the sun comes back up.” For the latest updates on Ellie Mae’s Virtual Experience 2020 Conference, go here.

Each week, HousingWire interviews financial services experts who can help make sense of the latest headlines sponsored by our partners at Arch MI and Quicken Loans Mortgage Services. This week, Glenn Stearns, who has undoubtedly been one of the biggest names in mortgage lending over the last 30 years, joins the Housing News Podcast for its fourth episode of season three. Stearns, who founded Stearns Lending in 1989, joins the Housing News Podcast to discuss his new company, Kind Lending, which touts itself as a “fresh and edgy approach to mortgage banking.” Additionally, the trailblazer discusses current market conditions, which have been changing each day as Coronavirus continues to take its toll on the mortgage industry. According to Stearns, who survived the Housing Crisis of the 2000s, if mortgage companies want to survive this period of uncertainty, they will need to invest in technology and learn how to better communicate. Here’s more detail on the topics of discussion this week: Glenn Stearns founded the mortgage company that carries his name, Stearns Lending, in 1989. And in the convening years, Stearns helped build the company into one of the biggest mortgage companies in the nation. But Stearns has laid somewhat low in the last year or so, but he is being quiet no more. Stearns is launching a new mortgage company, Kind Lending. Quicken Loans recently joined the thousands of companies that are encouraging (if not requiring) their employees to work from home to combat the spread of COVID-19. But the nation’s largest mortgage lender is hardly the only company that is moving to a remote work policy as the concern over the virus worsens. The Federal Finance Agency, Guaranteed Rate, Caliber Home Loans, and United Wholesale Mortgage are just a few names reassessing their workplace procedures. The White House and the Federal Housing Finance Agency are calling for up to 12 months of mortgage forbearance for Americans who can’t pay their bills because of the COVID-19 pandemic. The amount of people needing that help is so big, it might require the Federal Reserve to flex its muscles, according to a report from Cowen Washington Research Group. Specifically, the Fed might have to use Sec. 13 of the Federal Reserve Act that covers emergency lending, it said. And here are links to the topics discussed: 1) Glenn Stearns is back, launches Kind Lendinghttps://www.housingwire.com/articles/glenn-stearns-is-back-launches-kind-lending/ 2) Here’s how the mortgage industry is reacting to the coronavirus https://www.housingwire.com/articles/heres-how-the-mortgage-industry-is-reacting-to-the-coronavirus/ 3) Can the Fed help Americans get mortgage forbearance?https://www.housingwire.com/articles/can-the-fed-help-amer

This week, Robert Broeksmit, the president and CEO of the Mortgage Bankers Association, joins the Housing News team to discuss the mortgage industry’s challenges during this tumultuous time. In this episode, Broeksmit explains the MBA’s approach to borrower relief, as regulators move to suspended foreclosures and evictions. He also touches base on potential liquidity backstops for servicers, bank regulatory flexibility for lenders, legislation permitting remote online notarization nationwide, streamlining the refinance process and more.

The Housing News Podcast is a weekly wrap of the top news stories by HousingWire CEO Clayton Collins. Each week, HousingWire interviews financial services experts who can help make sense of the latest headlines sponsored by our partners at Arch MI and Quicken Loans. This week, Sherry Graziano, the head of Mortgage Omni experience at SunTrust, which has now been named Truist, joins the Housing News Podcast for episode two of season 3. In this episode, which was recorded two weeks ago during the nation’s interest rate debacle, Graziano discusses the housing market's low-interest-rate environment, which continues to change day-to-day, and what it means for the mortgage industry as more and more lenders report a surge in both refinance and purchase volume. Additionally, she explains why relationships are key in the housing space. Here’s more detail on the topics of discussion this week: The Federal Reserve made its second emergency cut in two weeks, slashing 1% off its benchmark rate, and renewed a program to buy Treasuries and mortgage bonds in an effort to bolster the economy as the coronavirus that causes COVID-19 spreads in the U.S. As the mortgage business continues to try to deal with the repercussions of interest rates hitting an all-time low early March, it appears that some lenders are inflating their advertised mortgage rates to try to stem the tidal wave of mortgage applications they’re receiving. Mortgage rates fell to an all-time low two weeks ago, and lenders across the country are now dealing with a deluge of mortgage applications as borrowers rush to both buy and refinance. But are some of those same lenders keeping borrowers from getting even lower interest rates than they already are? The answer: Possibly.

This week, the New York Times bestselling author Tom Ferry joins the Housing News Podcast for its season finale. Ferry, also known as the #1 Real Estate Coach, is an industry titan that offers the nation’s real estate agents’ advice on how best to market themselves. In this week’s episode, the fellow podcast host and Swanepoel Power 200 winner, explains how real estate agents and brokers can utilize social media and technology to set themselves apart, as well as what it takes to win in today’s real estate industry.

Housing Policy Council President and former Federal Housing Finance Agency Director Ed DeMarco visited HousingWire to talk about the latest developments on the Qualified Mortgage and the Ability to Repay rule. In this podcast episode, DeMarco talks about the shifts in the QM, and what it would mean to remove the debt-to-income requirement from Ability to Repay. Is the pricing threshold a better option, or could it be better used to determined what isn't QM, instead of what is? DeMarco explains the difference, and what his take on it is.

This week, Carl Tyree, the executive vice president and chief sales officer at Arch MI, joins the show for a bonus episode. Tyree is an industry titan, currently overseeing Arch MI’s sales teams and relationship strategies. Prior to joining Arch MI, he held senior sales and sales leadership roles with Republic Mortgage Insurance Company, Nomura Credit and Capital and Ocwen Financial Corporation.

This week, Thomas Sponholtz, the CEO and chairman at Union Home Ownership Investors, discusses his industry origin story, as well as his determination to bring housing innovation to the United States. Additionally, Sponholtz touches base on new QM lending rules and the housing sector's emergence of alternative homeownership models, which he says will be needed to better service homebuyers.

This week, we’re bringing you something special – our first-ever cross over bonus episode. In this bonus episode, Collins sits down with Phil Treadwell, the vice president of development and regional manager at Mason-McDuffie, who also happens to be the host of fellow Industry Syndicate podcast the Mortgage Marketing Expert. The two discuss Collins’ evolution within the mortgage industry, as well as HousingWire’s emergence as a top industry publication. Additionally, Treadwell and Collins touch base on some of the industry’s hottest topics, ranging from recession fear, mortgage rates, first-time homebuyers and more.

This week, Ben Lane, the managing editor of HousingWire, discusses Visa’s announced acquisition of technology platform and 2019 HW Tech100 winner Plaid. The agreement, which represents a total purchase consideration of $5.3 billion, enables Visa to deliver more value for developers, financial institutions and consumers, according to the company.

This week, Bill Dallas, the president at Finance of America Mortgage and co-founder of Cloudvirga, discusses his evolution in the mortgage industry, as well as the importance of creating innovative products for today’s mortgage brokers and lenders. Additionally, Dallas touches base on the nation’s lack of housing inventory and how the rise of homeowners aging in place is impacting origination volumes.

This week, Phil Shoemaker, the executive managing director and chief business officer at Home Point Financial, discusses three housing trends to watch for in 2020. According to Shoemaker, the housing industry will see a boost in mergers and acquisitions, as well as broker expansions. Additionally, Shoemaker says the industry is likely to see an increase in technology in 2020.

This week, Jonathan Corr, the president, and CEO of Ellie Mae discusses the company being acquired by Thoma Bravo, as well as Ellie Mae's recent acquisition of fintech company Capsilon. Additionally, Corr details his market outlook for 2020.

This week, Alex Elezaj, the chief strategy officer at United Wholesale Mortgage, discusses the impact low-interest rates are projected to have on home lending. Additionally, Elezaj explains what the Federal Housing Finance Agency’s decision to increase loan limits for Fannie Mae and Freddie Mac could mean for the mortgage industry.

This week, David Battany, the executive vice president of capital markets at Guild Mortgage, discuss the housing market’s lack of significant inventory as well as the nation’s budding market for manufactured homes. Additionally, Battany explains what the industry needs to do to get more first-time homebuyers into homes.

This week, Collins joins us live from AIME FUSE 2019. The conference, which hosted more than 2,000 mortgage brokers from around the country, was held last month at the Bellagio in Las Vegas, Nevada. In an exciting conversation, Ryan Serhant, the wildly successful real estate broker featured on Bravo’s “Million Dollar Listing New York” and “Sell It Like Serhant,” discusses his national bestseller as well as the intriguing story of the ever so elusive Mr. X. Additionally, Serhant offers advice on how mortgage brokers can make sure they are setting themselves up for success. Although the interview is loud, as it was recorded in a room full of hundreds of brokers, the conversation is worth the listen. So, forgive us for the background noise, and join us for another exciting episode of the Housing News Podcast.

This week, Gary Beasley, the CEO, and co-founder of Roofstock, explains the origin story of his online real estate investment company, as well as the company’s evolution throughout the years. Additionally, Beasley discusses America’s single-family rental market, which he says continues to attract more and more institutional capital.

This week, Daren Blomquist, the vice president of market economics at Auction.com, has a very data-focused conversation about America’s economy, the housing market’s lack of affordability, and the growing presence of opportunity zones.

This week, Michael Miedler, the president and CEO of Century 21, kicks off season two of the Housing News Podcast. Miedler discusses his accession within the real estate industry, as well as what it takes for agents to thrive in an “experience economy.” Additionally, Miedler touches base on some of housing’s hottest topics ranging from Millennial homebuyers to inventory and affordability woes.

This week, Doug Duncan, the chief economist at Fannie Mae, closes out season one of the Housing News Podcast with a bang. Duncan takes a look at several industry hot topics ranging from the nation's lack of housing supply to its changing demographics. Additionally, Duncan discusses the likelihood of an economic recession and what that could mean for the housing industry.

This week, Tom Hutchens, the EVP of production at Angel Oak Mortgage Solutions, explains to listeners the role of Non-QM lending and what the expiration of the QM Patch could mean for the housing industry. Additionally, Hutchens discusses the nation’s homebuying confidence, which climbed to new heights in July.In July, the Consumer Financial Protection Bureau expressed its intent to allow the QM Patch to expire as early as 2021, and Fannie Mae's Home Purchase Sentiment Index indicated that America’s housing confidence peaked to its highest level at 93.7 points.

This week, Shelley Leonard, the chief product officer and EVP of Black Knight, discusses her 26-year tenure in the mortgage industry. Additionally, the HousingWire Vanguard winner explains how low mortgage rates are impacting the nation’s mortgage servicers and homeowners. Last week, Freddie Mac reported that the 30-year, fixed-rate mortgage averaged 3.75%, falling significantly from its 2018 rate of 4.60%. Freddie Mac Chief Economist Sam Khater says these low rates paired with the nation’s healthy economy are now projected to provide continued improvement in home sales heading into the late summer and early fall.

This week, Kal Elsayed, the President and CEO of Guidance Residential, a faith-based home financing company, explains the importance of working with underserved communities. Additionally, Elsayed discusses the Federal Reserve’s poised rate cut and the nation’s Millennial homeownership trends. Earlier this week, The Federal Reserve announced it was prepared to cut its benchmark rate for the first time since 2008, and a survey from realtor.com indicated that affordability continues to prevent Millennials from entering the housing market as first-time buyers.

Each week, HousingWire interviews financial services experts who can help make sense of the latest headlines, sponsored by our partners at Blend. This week, Ben Lane, the newly appointed managing editor of HousingWire’s editorial team, discusses his experiences in covering the housing economy for the last five and a half years. Additionally, Lane touches base on the massive mortgage partnership between State Farm and Quicken Loans, and Fannie Mae’s recently updated mortgage forecast.Last week, State Farm and Quicken Loans announced that State Farm’s licensed loan originators will now be able to originate mortgages using Quicken’s Rocket Mortgage platform, and Fannie Mae issued a new forecast that predicts the average U.S. rate for a 30-year fixed mortgage will sit at 3.7% in the second half of 2019.

This week, Rich Weidel, the CEO of Princeton Mortgage, explains why accessing loan origination risks is essential to staying afloat in the mortgage industry. Additionally, Weidel touches base on the Chapter 11 bankruptcy filing of Stearns Holding (the parent company of Stearns Lending) and the U.S. closing of real estate company Purplebricks. Earlier this week, Stearns announced the company was launching a comprehensive financial restructuring plan to realign its business, and Purplebricks indicated it planned to refocus its growth efforts in the U.K. and Canada.

The Housing News podcast is a weekly wrap of HousingWire's top news stories. Each week, HousingWire interviews mortgage and real estate experts who can help make sense of the latest headlines. This week, Anthony Casa, the chairman of the Association of Independent Mortgage Experts and the founder and former president of Garden State Home Loans, explains why President Donald Trump's decision to back the Blue Water Navy Vietnam Veterans Act is good news for the mortgage industry.

The Housing News podcast is a weekly wrap of HousingWire's top news stories. Each week, HousingWire interviews mortgage and real estate experts who can help make sense of the latest headlines. This week, Alec Hanson, LoanDepot’s SVP and Pacific Southwest division manager, and TJ Freeborn, SVP of Customer Experience, discuss the importance of incorporating human interaction within the loan origination process.

The Housing News podcast is a weekly wrap of HousingWire's top news stories. Each week, HousingWire interviews mortgage and real estate experts who can help make sense of the latest headlines. This week, Mason-McDuffie Mortgage's Vice President of Development and Regional Manager Phil Treadwell explains how mortgage professionals can best navigate a low interest rate environment.

The Housing News podcast is a weekly wrap of HousingWire's top news stories. Each week, HousingWire interviews mortgage and real estate experts who can help make sense of the latest headlines. This week, Cobalt Credit Union’s Chief Lending Officer Alan Stoltenberg discusses the importance of putting power back into the hands of homebuyers.

The Housing News podcast is a weekly wrap of HousingWire's top news stories. HousingWire Editor-in-Chief Jacob Gaffney interviews Norm Creveling, the chief lending officer for Wings Financial Credit Union. In this episode, Creveling talks about the emergence of digital mortgages, the current housing market, and trends in consumer credit scores. Don’t miss it!

The Housing News podcast is a weekly wrap of HousingWire's top news stories. HousingWire Editor-in-Chief Jacob Gaffney interviews Tim Mayopoulos, the President of Blend. In this episode, Mayopoulos discusses his transition from GSE to Fintech, as well as the current market outlook for mortgage lenders.

The Housing News podcast is a weekly wrap of HousingWire's top news stories. HousingWire Editor-in-Chief Jacob Gaffney interviews Alpa Lally, Experian’s Vice President of Data Business at Consumer Information Services. As an American immigrant, Lally brings listeners a unique perspective from within the credit reporting services.

The Housing News podcast is a weekly wrap of HousingWire's top news stories. Each week, Gaffney interviews financial services experts who can make sense of the latest headlines, sponsored by our partners at Blend. This week, Jerry Anderson of Alliant Credit Union discusses homebuyers, interest rates and the latest technology trends in the mortgage industry.

Adolfo Marzol knows firsthand about this nation's long history with taking in, and housing refugees. In fact, his parents emigrated from Cuba in 1961. How did the Marzols know they had made it in America? They bought their first house, he tells HousingWire Editor-in-Chief Jacob Gaffney in the finale of our exclusive podcast, 6 Questions with 6 HUD Executives.

On this episode of 6 Questions with 6 HUD Executives, HousingWire Editor-in-Chief Jacob Gaffney sits down with Ginnie Mae Executive Vice President and COO Michael Bright to talk about affordable housing, the securities market and Ginnie Mae crossing the $2 trillion threshold.

On the newest episode of our exclusive podcast series, 6 Questions for 6 HUD Executives, Farias sits down with Editor-in-Chief Jacob Gaffney to discuss her colorful upbringing, her current enforcement actions and the real reason HUD went after Facebook. Look out for episode 6 next week, featuring Ginnie Mae's Michael Bright.

HUD CFO Irving Dennis joined the agency earlier this year after nearly four decades at Ernst & Young, where he was a partner overseeing the audits of major S&P 500 companies. In this exclusive podcast, Dennis talks about his move to the public sector and the passion that drives him.