Mortgage Vault Podcast

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

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/ 

Sovereign Lending Group is a fast growing mortgage lender based out of California that has a laser sharp focus on millennial borrowers. It is this focus, that has helped them build a young workforce & a culture that mirrors the aspirations of its customers.In this episode, we are in conversation with Dan Holtz, CEO at Sovereign Lending Group to understand how homeownership trend is likely to shape up amongst millennials. He further examines how factors like interest rates, COVID vaccination & re-openings is going to impact millennial homeownership. This is one episode that you should not miss.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 2018 Princeton Mortgage set out a target of 50,000 loans by 2028 - fast forward to 2020, it had already achieved this and is set to clock $ 1 billion in loan volumes.It is one of the fastest growing mortgage companies with a customer satisfaction score of 98 !In this episode, we are in conversation with CEO - Rich Weidel to understand how he built a high performance culture at Princeton Mortgage that delivers the best customer service experience a.k.a "The Effortless Mortgage Experience", day in and day out.Rich also shares various aspects of leadership that helped him keep his team motivated and accountable to their core mission of providing an "Effortless Mortgage Experience" for the end customer.This is one episode that you should not miss.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 Rich Swerbinsky, COO at The Mortgage Collaborative (TMC).  Over the years, TMC has grown into a powerful networking & collaboration platform for mortgage lenders. Rich shares how TMC helps lenders leverage the power of network through its networking workshops, events and collaboration labs.He also shares the vision for the recently launched TMC fund - that intends to invest in fintech companies to expedite technology adoption in mortgage lending space.There's a lot more that Rich talks about. So do not miss out on this super-charged episode with Rich Swerbinsky.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/ 

VA backed mortgages made up 9.1% of new home sales in the first quarter of 2020, the largest market share since early 2016. Can it stay on a sustained growth path to increase its market share even further ?In this episode, we are in conversation with Michael Oursler, COO at Newday USA to explore just that. NewDay USA is one of the top 10 - VA lending institutions in the country, with a projected revenue figure of close to $500M in 2021 and loan volumes of $ 9 bn.Michael shares his insights on the current opportunities & challenges that straddles VA lending & how VA mortgage market is expected to shape up in 2021. He also talks about how Newday USA intends to scale its lending operations to help 1 million veteran families by the end of 2025. Do not miss out on this super-charged episode with Michael.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/ 

We are experiencing a historic low in mortgage interest rates, with rates going below 3% - how will this trend shape up in 2021 & 2022 ?What will be its impact on purchase & refinance originations ?In this episode, Steven Plaisance, answers just that.Steven Plaisance is currently the President of Mortgage Banking at Gateway First Bank. Prior to Gateway First Bank, Steven served as the CEO of Mortgage Division at Arvest Bank.In today's conversation, Steven candidly shares his perspectives on how mortgage interest rates will shape up during latter part of this year and how it will impact loan originations.To know more, listen to this episode till the end.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/ 

How can technology help mortgage lenders & servicers ensure not only business continuity but also operational excellence during these uncertain times ?In this episode, Bryan Budd shares his experience of how technology adoption played a crucial role in handling loan volumes of $ 5 billion during a pandemic year . Bryan is currently the senior vice president for correspondent operations at Mr.Cooper. Bryan has been key in growing Mr. Cooper's correspondent channel and co-issue program to become one of the largest in the industry. In this episode, Bryan candidly shares how a robust technology stack helped Mr.Cooper scale their loan handling capacity from $ 500 million per month to $ 5 billion within just 120 days. They achieved this feat while ensuring a smooth transition of 9000+ employees to a work from home setting during a COVID year. To know how they did it, listen to this episodeThis 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/

Are we close to universal adoption of technology in the mortgage industry ?In this episode, Matthew Lehnen cross examines this question based on his experience of leading technology infrastructure with one of the largest non-QM lenders in the country. Matt is currently the CTO at Deephaven - a premier provider of private-capital liquidity for Non-QM residential mortgage loans & with a mission to rebuild the non-government mortgage markets.  In this episode, Matt candidly shares:How he started his journey in the mortgage industry ?How he has overseen deployment of a robust technology stack to mitigate risks in non-QM lending ?What's holding back universal adoption of technology in mortgage industry ?Which areas in mortgage industry are ripe for technology disruption ?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/

Is digital closure set to lead the next wave of disruption in the mortgage industry ?In this episode, we are in conversation with Mike Lyon , to explore just that. Mike is currently the EVP at Nexsystech - a part of Rock Financial Group. He drives business growth for two flagship products that provide a full spectrum digital closing experience for customers. With an experience of over 30 years in mortgage operations, Mike is a key authority in digital mortgage closures. In this episode, Mike candidly shares:His foray into the mortgage industry & his journey with Quicken Loans and NexsysHow he applied assembly line process to dramatically improve lending efficiency within Quicken Loans ?Where are the lenders missing out, by not adopting digital closures in their lending process ?What are the key challenges in the adoption of digital mortgage closures ?How will digital mortgage closures shape up in 2021 ?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 inaugural episode, we are in conversation with Stanley C. Middleman, founder & CEO at Freedom Mortgage. Stan not only founded Freedom Mortgage but also transformed it into one of the most successful mortgage lending institution in the country - with a customer base of more than 1.7 million. In this episode, Stan candidly shares:His journey of founding & growing Freedom Mortgage over the past 30 years.What are the key factors in ensuring resiliency & long term success in mortgage industry?How to drive mortgage business continuity in the post pandemic new normal?Key trends that could shape the mortgage markets in 2021 & beyond.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/