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Trixy Castro is a visionary entrepreneur in real estate and mortgage finance having founded, scaled and sold multiple businesses, including private lending company Genesis Capital, bought by Goldman Sachs in 2018. Passionate about empowering women to excel in business, Trixy has founded and invested in over 50 companies across diverse industries and is now the CEO and Founder of TRX Capital. Her journey is a testament to her determination, resilience, and unwavering belief in the power of mindset transformation. Today she shares the importance of empowering and supporting women in business, how it contributes to a thriving entrepreneurial ecosystem, and how women can overcome challenges and setbacks and grow their leadership skills.
We talk with Anthony Landahl, the Managing Director of Equilibria Finance https://equilibriafinance.com.au about the current mortgage borrowing journey for people looking for money and the navigation through the property buying process. Listen here: https://apple.co/3wub8Le ► Subscribe here to never miss an episode: https://www.podbean.com/user-xyelbri7gupo ► INSTAGRAM: https://www.instagram.com/therealestatepodcast/?hl=en ► Facebook: https://www.facebook.com/profile.php?id=100070592715418 ► Email: myrealestatepodcast@gmail.com The latest real estate news, trends and predictions for Brisbane, Adelaide, Canberra, Gold Coast, Sydney, Melbourne and Perth. We include home buying tips, commercial real estate, property market analysis and real estate investment strategies. Including real estate trends, finance and real estate agents and brokers. Plus real estate law and regulations, and real estate development insights. And real estate investing for first home buyers, real estate market reports and real estate negotiation skills. We include Hobart, Darwin, Hervey Bay, the Sunshine Coast, Newcastle, Central Coast, Wollongong, Geelong, Townsville, Cairns, Ballarat, Bendigo, Launceston, Mackay, Rockhampton, Coffs Harbour. #sydneyproperty #Melbourneproperty #brisbaneproperty #perthproperty
Michael Anistasidis discusses mortgage finance, especially for First Home Buyers. He is a Registered Mortgage Advisor / Mortgage Broker and part of Bozinoff Mortgages and Insurance. Michael clearly and simply, in straightforward language, describes the important work of property finance for his clients, particularly First Home buyers and those requiring ‘top-up' loans for additions and alterations to existing dwellings. Michael's understanding of this country's property market and the current housing landscape is underpinned with a commitment to service for people's need for a home and the ability to finance it. Broad brush discussion on Aotearoa New Zealand's current housing issues and the cycles of the market and an optimism toward the kinds of questions we need to ask of the collective challenges ahead of us. contact Michael at https://www.michaelmortgageman.co.nz/
Jadon Fowler is now a teacher and film director from Grand Rapids Michigan. After spending eight years in Mortgage Finance and Real Estate area, Jadon decided to pursue his life passion of film making. He then started and now owns a film academy for kids called the Children's Theater Company. Jadon previously attended Word of Life Bible Institute where his passion for God was really strengthened. He is also the proud father of two sons. In this podcast, Jadon tells the story of his life that includes a very dark time about seven years ago when he came very close to ending it all. He overdosed drugs and alcohol that resulted in him being in a coma that appeared to be fatal. BUT GOD! God answered the fervent prayers of his loved ones and many others and He literally brought Jadon back from what the medical community was sure would be certain death. In fact, after only a few months of therapy, Jadon came back to being virtually normal! He now loves leading, teaching and encouraging many young people in the area of theater and film. For more about his current work, go to https://fusionfilmacademy.org/
Jadon Fowler is now a teacher and film director from Grand Rapids Michigan. After spending eight years in Mortgage Finance and Real Estate area, Jadon decided to pursue his life passion of film making. He then started and now owns a film academy for kids called the Children's Theater Company. Jadon previously attended Word of Life Bible Institute where his passion for God was really strengthened. He is also the proud father of two sons. In this podcast, Jadon tells the story of his life that includes a very dark time about seven years ago when he came very close to ending it all. He overdosed drugs and alcohol that resulted in him being in a coma that appeared to be fatal. BUT GOD! God answered the fervent prayers of his loved ones and many others and He literally brought Jadon back from what the medical community was sure would be certain death. In fact, after only a few months of therapy, Jadon came back to being virtually normal! He now loves leading, teaching and encouraging many young people in the area of theater and film. For more about his current work, go to https://fusionfilmacademy.org/
In this special edition of the Real Estate Lowdown podcast, we're bringing you in on the kick off of our 2024 Win-Win Webinar Series. This stands out as one of the most insightful and relevant sessions we've ever conducted.I had the distinct honor of hosting this compelling heart-to-heart discussion with three dynamic women leaders who definitely feel the pulse of and are shaping a new landscape in real estate and mortgage finance.Lena Motz, CEO & CIO of Stillwater Asset Management, Linda Taylor, CEO of H.O.M.E.S., Inc., and entrepreneur, Trixy Castro, are at the helm of their businesses breaking barriers and unveiling the impact of female leadership on an industry at the cusp of transformation, within the traditionally male-dominated sectors, discussing the blend of transparency, emotional intelligence, and inclusive work environments that are setting new standards. Going beyond the surface, we tackle the gritty realities facing the industry, including the transformation of office spaces in the post-pandemic era, the challenges of multifamily housing under rent stabilization, and the resilience of certain property types amidst market fluctuations. As we gaze into the crystal ball of the real estate and finance markets for 2024, discover why Trixie predicts a ripe environment for multifamily and single-family investments, and why Lena expects a surge in private debt volumes. Finally, we tie it all together with our own stories of juggling the demands of leadership and living, as we share strategies that keep us grounded and effective in both spheres. From the boardroom to the family room, the balance isn't just a goal - it's a nuanced dance of self-love, support networks, and the realization that being a superhuman isn't the end game. Connect further with Lena Motz at https://www.stillwaterasset.comConnect further with Linda Taylor at https://www.homesfl.orgConnect further with Trixy Castro at https://www.linkedin.com/in/trixy-castro-7591a420/To learn more, visit:https://billbymel.com/Listen to more episodes on Mission Matters:https://missionmatters.com/author/bill-bymel/
The Inside Economics team takes shelter from a tornado (true story), and Mark Calabria, senior advisor to the Cato Institute and former director of the Federal Housing Finance Agency, describes the FHFA's efforts to provide shelter to the housing and mortgage finance markets during the pandemic. His new book “Shelter from the Storm,” is a fascinating telling of that difficult period.For more on Mark Calabria, click here.For more information on Mark Calabria's book "Shelter from the Storm," click here.Follow Mark Zandi @MarkZandi, Cris deRitis @MiddleWayEcon, and Marisa DiNatale on LinkedIn for additional insight.
Jess Lederman, Editor, The Mortgage Professional's Handbook: Succeeding in a New World of Mortgage Finance talks about his recent book. Highlights include: near term opportunity is irresistible; volatility commandos; alternative strategies; paranoia reigns and cash is king. Jess is an icon in the mortgage industry and started four national mortgage companies. The Handbook has raised over $160,000 for the ALS, The MBA Foundation's Open Doors program and MYHouse. The Handbook is available at www.mortgagebanking2020.com. Use Coupon code: QFS.
US Mortgage Finance 2023 for Residential / Commerical with our Veteran guest Vikram PatelSupport the show
A special episode with one of our preferred lenders, Executive Vice President of Preferred Financial Group, Justen Meadows to find out what's happening in the mortgage market today. We discuss ways Buyers and Sellers can navigate today's higher rates and how to make a monthly payment affordable while pursuing the American Dream. We get into the nitty gritty of tax write-offs, different types of buy downs, how buydowns work, and why adjustable loans make good sense.
The ERC tax credit is a limited-time opportunity where business owners can receive a free payout from the government. This free money from uncle sam is based on a number of variables such as your payroll, number of employees, PPP funds, and any hardships experienced during the pandemic. Although not all businesses will qualify most will and speaking with Brian will allow you to determine if this free government handout is worth pursuing. Brian K. Fern, CPA, has over thirty years of experience in the financial services industry. Brian is a fractional CFO working with PE firms, and privately-owned firms in several industries, and helps companies identify expense-savings opportunities. He turns CFO into profit centers.Prior to that, he spent 10 years as CFO at an RIA with $5 billion in assets under management, where he gained expertise working with hedge funds, private equity funds, institutional managed accounts, and High Net Worth clientele. Brian also worked at CIBC World Markets in various roles including Senior Product Controller for the Real Estate, Credit Capital Markets, and Investment Banking departments. Earlier, he spent six years at The First Boston Corporation in various capacities including Internal Audit, Chief of Staff for Public Finance and Mortgage Finance, and expense czar for Investment Banking.Brian started his career at Deloitte (Touche Ross & Co) where he earned his CPA certification. He graduated from Boston University with a BSBA from the Questrom Business School. Brian is also the past Treasurer and current Vice President of his Temple in New Jersey where he resides with his wife and children. He enjoys golf, and cooking, and recently retired from ice hockey after playing for 35 years in a men's pick-up game.--https://www.peoplescapitalgroup.com/https://www.instagram.com/real_estate_investments_nj/?hl=enhttps://www.facebook.com/peoplescapitalgroupnjhttps://twitter.com/PCGrealestatehttps://www.linkedin.com/company/peoples-capital-grouphttps://www.youtube.com/channel/UCCeJh5UgrdBDOabr2YLbAHg#NJRealEstateInvesting#AaronFragnito#PassiveCashFlow#PCG#aaronfragnito#njrealestateinvesting#passivecashflow#realestate#realestateinvesting#accreditedinvestors#investing#sophisticated--00:00 Intro00:49 The ERC Tax Credit Explained by Tax Expert Brian Fern04:16 Qualifying08:56 How much money do you get13:00 Challenges16:37 What is a PEO19:32 Solar Panels23:15 Learn more at peoplescapitalgroup.com--This is not a solicitation for funds, tax advice, or legal advice. This is not intended to be, and must not be construed to be in any form or manner a solicitation of investment funds or a securities offering. Peoples Capital Group LLC is NOT a United States Securities Dealer or Broker nor U. S. Investment Adviser is a Consultant/service provider and makes no warranties or representations as to the listener or viewer. All due diligence is the responsibilitySupport the show
"More millionaires are made in recessions" - Gino Barbaro The economy is ever-changing, and with that so is the real estate market. Right from interest rates to ease of doing business, there are so many factors that an investor might have to navigate through in order to make a right decision. So is now the right time to invest in multifamily real estate? That's probably the question every investor is looking the answer for. Check out what Jake and Gino thinks. In this video, they discuss the current state of the economy and the real estate market cycles to help you make an informed decision. Watch this video on how to prepare to seize opportunities and make the most out of the so-called recession.
What would you achieve if you weren't afraid of being laughed at? On this episode, Gino is with Steve Sims, author of the best-selling book ‘Bluefishing'. His recent addition is ‘Go For Stupid: The Art of Achieving Ridiculous Goals'. Steve talks about his latest book and explains various concepts to apply for achieving goals. He examines famous goals of famous people in history, the key habits of successful people, and lessons from his own career to help you let go of your fear and get out of your own way. He shares the questions that you should ask yourself to get over the fear of following your dream and making it fulfilled as a goal. He believes and teaches that if you do something amazing, you will be ridiculed until you are revered. Key Moments: 00:34 Introduction 04:52 Who do you allow in the room? 08:21 What is ‘Go for Stupid' all about? 16:07 Media is not the problem, how you react and interact to it, is what the problem is 19:40 How to get over the stage fear for getting mocked up? 25:23 You don't need loyalty points when you have a relationship 27:10 Three keys to successful mindset- value, curiosity and time 32:05 They only laugh at you until they applaud 36:15 Finding the time to manage all businesses 43:55 We don't ask for what we want 50:28 Who is your gate-keeper for any kind of experience? 52:57 Wrap-up To know more about Steve, visit his website https://www.stevedsims.com/ Check out the author's books on Amazon: https://amz.run/67hg
Welcome to Connect, a podcast featuring one-on-one interviews with some of the top movers and shakers in the mortgage industry. Our 112th episode features Madison Simm, President of Mortgage Finance, Texas Capital Bank Topics of Discussion: 1:26 - Share with our listeners about your background and your role at Texas Capital Bank. 3:06 - Given the current market, what are some of the conversations you're having with clients? 7:30 - Can you share some of the notable and recent program enhancements for the Mortgage Finance business at Texas Capital Bank? 11:15- How does Mortgage Finance fit into the bank's overarching strategy to become the flagship financial services firm headquartered in Texas? 15:29 - What is something you consider especially unique to the bank's Mortgage Finance business? 17:27 - What is next for the Mortgage Finance team at Texas Capital Bank? 22:21 - We're excited you are participating on our Mergers & Acquisitions Panel this week at the Western Secondary Market Conference. Can you give us a preview of some the highlights you'll address? Thank you to our sponsor, Insellerate. To learn more visit insellerate.com or call 855-973-1646 To learn more about the California MBA visit www.cmba.com and don't forget to subscribe to our podcast and stay tuned for our next episode!
Information regarding the mortgage finance supply chain
Vikram is a Chartered Financial Analyst and Chartered Market Technician by background with a bachelor's degree in Finance from Rutgers. After graduation he spent 14-years working in Finance Research firm, Investment bank and Hedge Fund before entering in Real Estate & Mortgages.In just a quick 5-year span, Vikram manages a team of Mortgage Officers and has finished his certification as a Certified Mortgage Advisor. In 2020, Vikram was ranked as a Top Loan Originator by Scotsman Guide nationwide.Vikram Patel is a returning guest from Season 1, here is the link for the season 1:https://open.spotify.com/episode/7FYLZeT2qrQ3AlGtt0E5sI?si=e1941e3389294cb4Here is the youtube link from Season 1https://www.youtube.com/watch?v=XexOm89QV8A&list=PLp-otAlUgnAGYtYGgClwCaBUe5RXcCmy8&index=118&t=147s We talked about the trend of mortgage finance from 2021 vs 2022Support the show (https://www.patreon.com/back2basicsmode?fan_landing=true)
Today on The DooDoo Diva's Smells Like Money Podcast, Chief Financial Officer at Enbiorganic, Vivek Agrawal, as they chat about the Triple Bottom Line. Coined by John Elkington in 1994, this phrase is more important than ever especially for the wastewater industry. This involves a company with three aspects which are the people, the planet, and the profits. Vivek shares that this is gearing towards sustainability while making profits that will help the company flourish as much as it helps with the improvement on the state of the environment. Stay tuned to find out more about how Vivek puts in the effort and how they apply the Triple Bottom Line in their company, Enbiorganic! This episode covers: ● The core of the Triple Bottom Line and its relevance ● What Vivek recommends as key foundations of Triple Bottom Line ● Does the transition for Triple Bottom Line require an outside consultant? ● The Triple Bottom Line as a contagious mindset from company to customer ● The future of the movement for the wastewater industry About Vivek Agrawal: Prior to joining Enbiorganic, Vivek was a Managing Director at Compass Point Research & Trading and senior research analyst at Wells Fargo Securities where he ranked #2 for stock picking within Thrifts & Mortgage Finance in the 2017 U.S. Thompson Reuters Industry Analysts Awards. He was a Vice President and senior credit analyst at Declaration Management & Research (John Hancock subsidiary) instrumental in early identification of the housing crisis. Vivek was a Vice President at H.C. Wainwright & Co. in the investment banking group responsible for corporate finance transactions including raising growth capital for small to mid-sized private companies. Vivek was an AVP in the commercial banking group of Bank of America and began his career as a commercial credit analyst. Vivek received a BS in Finance from the University of Maryland (College Park) and an MBA from Fordham University. Connect with Vivek Agrawal on: Website: www.enbiorganic.com LinkedIn: www.linkedin.com/in/vivek-agrawal-4b18b917/ Follow The DooDoo Diva's Smells Like Money Podcast on: Website: www.creativeraven.com | https://thetuitgroup.com/ LinkedIn: https://www.linkedin.com/in/creativeraven/ Email: raven@creativeraven.com Telephone: +1 760-217-8010
In today's episode of The Referral Bench Podcast, Phil and Ian talk with Stephanie Shivar-Hogan, of Gallantry Coaching and Consulting. Stephanie is founder and Chief Executive Officer of Gallantry Coaching & Consulting. She is a Certified Coach with the International Coaching Federation, and a nationally recognized speaker and Certified Trainer of the New York Times Best Seller, The 12 Week Year. Stephanie's most recent experience in corporate America was gained at Northwestern Mutual in Colorado—a Top 5 producing office in the United States. During her tenure at Northwestern Mutual, Stephanie held the roles of Chief Marketing Officer, Chief Growth Officer, and Chief Development Officer. Prior to her time with Northwestern Mutual, Stephanie was Vice President of Mortgage Finance at Pulte Mortgage in Colorado. Stephanie's practice spans multiple industries including finance, accounting, real estate, healthcare, insurance, IT and marketing. She has partnered with Fortune 500 CSuites, front line leaders, corporate team members, entrepreneurs and everyone in between. With more than 2 decades of coaching experience, Stephanie became a certified trainer in 2019 for a global initiative led by Google called #IAMREMARKABLE. In addition to delivering #IAMREMARKABLE to underserved segments of financial and real estate industries with over 500 attendees, she has continued to cultivate her experience as a scalability expert and delivered training on Unconscious Bias, Diversity and Inclusion 101, and The 12 Week Year developed by New York Times Best Sellers, Brian Moran and Michael Lennington. Stephanie is a 3rd-generation native Coloradoan who enjoys travel, skiing, hiking, and spending time outdoors with her four children and husband, Dan. Learn more about Stephanie: Website LinkedIn Facebook Twitter Instagram Contact Phil & Firestorm Phil's LinkedIn Firestorm Website Contact Ian & Mission Suite Ian's LinkedIn Mission Suite Website
What is the simple definition of Strategy, Leadership, and Culture? Listen to the hot topic and find out!! Want to know what MBS provides?? ……..Advisory Services in the most complex and essential areas of Mortgage Finance across the country and around the world. The key to their success is over 300 combined years of hands-on practical experience building companies from inception and managing them through maturity. Want to know more aboutDr. Andy Schell? Dr. Andy Schell, CEO, Managing Partner, & Co-Founder of Mortgage Banking Solutions and MBS Financial Services ("MBS") Dr. Schell is an expert in the design and implementation of strategy, with experience creating multiple national companies and directing the activities of hundreds of employees. Read more to find out more about today's podcast... What is the simple definition of Strategy, Leadership, and Culture? Listen to the hot topic and find out!! Want to know what MBS provides?? ……..Advisory Services in the most complex and essential areas of Mortgage Finance across the country and around the world. The key to their success is over 300 combined years of hands-on practical experience building companies from inception and managing them through maturity. Want to know more aboutDr. Andy Schell? Dr. Andy Schell, CEO, Managing Partner, & Co-Founder of Mortgage Banking Solutions and MBS Financial Services ("MBS") Dr. Schell is an expert in the design and implementation of strategy, with experience creating multiple national companies and directing the activities of hundreds of employees. Read more to find out more about today's podcast...
What is the simple definition of Strategy, Leadership, and Culture? Listen to the hot topic and find out!! Want to know what MBS provides?? ……..Advisory Services in the most complex and essential areas of Mortgage Finance across the country and around the world. The key to their success is over 300 combined years of hands-on practical experience building companies from inception and managing them through maturity. Want to know more aboutDr. Andy Schell? Dr. Andy Schell, CEO, Managing Partner, & Co-Founder of Mortgage Banking Solutions and MBS Financial Services ("MBS") Dr. Schell is an expert in the design and implementation of strategy, with experience creating multiple national companies and directing the activities of hundreds of employees. Read more to find out more about today's podcast...
The financial services industry, at least from a management perspective, isn't all that diverse. That's true of government-chartered Federal Home Loan Banks, and the supervised Fannie Mae and Freddie Mac mortgage finance giants - known as the enterprises. They're all the subject of a recent look-see by the Government Accountability Office. For highlights, Federal Drive with Tom Temin turned to the GAO's Managing Director for financial markets and community investment issues, Daniel Garcia-Diaz.
In this episode of the REconomy podcast from First American, Chief Economist Mark Fleming and Deputy Chief Economist Odeta Kushi discuss how technology and innovation played a role in the recent GameStop stock market frenzy and what that phenomenon has in common with innovation in mortgage finance and the housing market.
The "Money Talks" hosts round out the show answering listeners’ questions on Citizens Financial Group and Rocket Companies.
The "Money Talks" hosts round out the show answering listeners’ questions on Citizens Financial Group and Rocket Companies.
Are all lenders ready for the LIBOR transition, regardless of size? In this episode, Dechert and Mike Flood of the Mortgage Bankers Association (MBA) discuss whether the transition is likely to be smooth sailing or chaos, when we may see the first conventional lending based on SOFR, and what the MBA is doing to help the market adjust. Original episode date: September 17, 2020
With everything that has been happening lately you would be normal to think the Australian property market is likely to go down as a result. But this new data about Mortgage Finance from the ABS suggests that property prices may actually go up, at least in the short term. 0:00 – Introduction1:10 – New mortgage […] The post Is This a Sign Property Is About To Boom? appeared first on On Property.
In this episode of Lykken on Lending we have Brenda Clem and Jack Nunnery in our Hot Topic segment discussing key components for lenders when it comes to the adoption and the readiness assessment for digital solutions and eNotes. Brenda B. Clem, CMB Pavaso, Executive Vice President Capital Markets & Blockchain Brenda is the Executive Vice President of Capital Markets at Pavaso, a division of Old Republic Title where she is the business lead for the Capital Markets/Blockchain initiative. Previously, she has served in the mortgage industry with over 30 years of experience in operations, warehouse lending, secondary and capital markets. Brenda is an active member of The Mortgage Bankers Association with a Certified Mortgage Banker certificate and has served on various committees within MBA and MISMO. She is currently co-chair of the eWarehouse Workgroup, frequently speaking at industry events, authoring several industry articles and an industry evangelist for eNote and eMortgage adoption. At Pavaso, she uses her industry knowledge and leadership to implement new standards for industry practices which improves compliance, profitability and transparency in the mortgage transaction. Contact email: bclem@pavaso.com Cell: 513.309.1306 Jack Nunnery President of Mortgage Finance at Texas Capital Bank Management responsibility for multiple business lines including Warehouse Lending, Correspondent Lending and MSR Financing at a mid tier publicly trade financial institution Reporting structure includes Sales, Operational Fulfillment, Capital Markets, Quality Control, Servicing and Risk Management. Topics Covered in this Episode: 1. Understanding eNotes and eClosing Electronic Signatures 2. Education and Awareness aboutDigital Solutions for the Mortgage Industry 3. 2020 Roadmap and Becoming eReady at GinnieMae In this episode of Lykken on Lending we have Brenda Clem and Jack Nunnery in our Hot Topic segment discussing key components for lenders when it comes to the adoption and the readiness assessment for digital solutions and eNotes. Brenda B. Clem, CMB Pavaso, Executive Vice President Capital Markets & Blockchain Brenda is the Executive Vice President of Capital Markets at Pavaso, a division of Old Republic Title where she is the business lead for the Capital Markets/Blockchain initiative. Previously, she has served in the mortgage industry with over 30 years of experience in operations, warehouse lending, secondary and capital markets. Brenda is an active member of The Mortgage Bankers Association with a Certified Mortgage Banker certificate and has served on various committees within MBA and MISMO. She is currently co-chair of the eWarehouse Workgroup, frequently speaking at industry events, authoring several industry articles and an industry evangelist for eNote and eMortgage adoption. At Pavaso, she uses her industry knowledge and leadership to implement new standards for industry practices which improves compliance, profitability and transparency in the mortgage transaction. Contact email: bclem@pavaso.com Cell: 513.309.1306 Jack Nunnery President of Mortgage Finance at Texas Capital Bank Management responsibility for multiple business lines including Warehouse Lending, Correspondent Lending and MSR Financing at a mid tier publicly trade financial institution Reporting structure includes Sales, Operational Fulfillment, Capital Markets, Quality Control, Servicing and Risk Management. Topics Covered in this Episode: 1. Understanding eNotes and eClosing Electronic Signatures 2. Education and Awareness aboutDigital Solutions for the Mortgage Industry 3. 2020 Roadmap and Becoming eReady at GinnieMae
In this episode of Lykken on Lending we have Brenda Clem and Jack Nunnery in our Hot Topic segment discussing key components for lenders when it comes to the adoption and the readiness assessment for digital solutions and eNotes. Brenda B. Clem, CMB Pavaso, Executive Vice President Capital Markets & Blockchain Brenda is the Executive Vice President of Capital Markets at Pavaso, a division of Old Republic Title where she is the business lead for the Capital Markets/Blockchain initiative. Previously, she has served in the mortgage industry with over 30 years of experience in operations, warehouse lending, secondary and capital markets. Brenda is an active member of The Mortgage Bankers Association with a Certified Mortgage Banker certificate and has served on various committees within MBA and MISMO. She is currently co-chair of the eWarehouse Workgroup, frequently speaking at industry events, authoring several industry articles and an industry evangelist for eNote and eMortgage adoption. At Pavaso, she uses her industry knowledge and leadership to implement new standards for industry practices which improves compliance, profitability and transparency in the mortgage transaction. Contact email: bclem@pavaso.com Cell: 513.309.1306 Jack Nunnery President of Mortgage Finance at Texas Capital Bank Management responsibility for multiple business lines including Warehouse Lending, Correspondent Lending and MSR Financing at a mid tier publicly trade financial institution Reporting structure includes Sales, Operational Fulfillment, Capital Markets, Quality Control, Servicing and Risk Management. Topics Covered in this Episode: 1. Understanding eNotes and eClosing Electronic Signatures 2. Education and Awareness aboutDigital Solutions for the Mortgage Industry 3. 2020 Roadmap and Becoming eReady at GinnieMae
Personal and mortgage finance 101
Welcome back to the Blurred Lines podcast!!! In this episode the guys discuss finance, mortgages, and the market crash of 2008. They also discuss how sub-prime mortgage loans, which essentially led to the 2008 crash, targeted largely the elderly and minorities. This leads to a discussion about the importance of supporting/creating black owned businesses, the nature of wealth Vs. income, the roll slavery played in generational wealth for white people and other related topics. Speaking of black owned businesses, please check out our sponsor Blacklustre Clothing Company! Thanks again for listening
"Faruk Okcetin is an experienced business professional and lifelong entrepreneur. He has been actively involved in a wide range of businesses, including Real-Estate, Mortgage Finance, Restaurants, Technology, BlockChain, Medical Devices, and Biometrics. Faruk takes pride in taking ideas and implementing strategies to bring them to fruition. Having been an investor and part of a number of start-ups, he truly relishes in building a strong brand awareness, and applying the correct marketing and sales efforts in order to achieve optimum success." After listening to this episode you will learn: About Faruks business background and how he discovered Blockchain Opportunities he sees for non-technical business people in the Blockchain industry How Faruk had an "aha" moment about his role in the space and how he came to that realization What the Cryptolina is and what the event is all about Why they believe in promoting other conferences and leaders in the space and region Why it's important to help others find legitimate opportunities and obtain the tools and resources to be educated How real estate and underwriting are a big untapped opportunity of the Blockchain For show notes and more please visit: LAB Radio
Gary Ort is the former president of Texas Capital Bank's Mortgage Finance division and previously held senior level leadership positions on a local, regional and national levels. Topics Covered in this Interview: Listen: Key to success? Hire people smarter than you.Listen: The top characteristics of great leaders.Listen: Inspired by a great leader named Winston Churchill.Listen: Gary talks about the reason for his success, his wife.Listen: There are two top characteristics every great leader has... Read more at LykkenOnLeadership.com Gary Ort is the former president of Texas Capital Bank's Mortgage Finance division and previously held senior level leadership positions on a local, regional and national levels. Topics Covered in this Interview: Listen: Key to success? Hire people smarter than you.Listen: The top characteristics of great leaders.Listen: Inspired by a great leader named Winston Churchill.Listen: Gary talks about the reason for his success, his wife.Listen: There are two top characteristics every great leader has... Read more at LykkenOnLeadership.com
Gary Ort is the former president of Texas Capital Bank’s Mortgage Finance division and previously held senior level leadership positions on a local, regional and national levels. Topics Covered in this Interview: Listen: Key to success? Hire people smarter than you.Listen: The top characteristics of great leaders.Listen: Inspired by a great leader named Winston Churchill.Listen: Gary talks about the reason for his success, his wife.Listen: There are two top characteristics every great leader has... Read more at LykkenOnLeadership.com
Our discussion on GSE reform continues again this week with a distinguished panel of industry veterans Joe Murin, the President of Ginnie Mae in 2008 & 2009, Jay Brinkmann former Chief Economist of the Mortgage Bankers Association (MBA) and Gary Ort who recently retired Texas Capital Bank (TCB) where he was the President of Mortgage Finance for the TCB. With over a 100 years of combined experience, this panel will bring a unique historical perspective to our ongoing discuss on GSE reform. You can be assured this panel has some great advice for those championing much needed GSE reform. As normal, the first half of the program will feature, Joe Farr of MBS Quoteline providing a rate & market update, Alice Alvey of Union Home Mortgage providing a regulatory & legislative update & Sam Garcia of Mortgage Daily giving us a quick overview of the latest news stories impacting our industry and Andy Schell, a/k/a "Profit Doctor" sharing ideas on how to improve your bottom line. Please tell others about this program and take a minute to share a link to this program with your friends and associates in the mortgage industry. Thank you, David Lykken Our discussion on GSE reform continues again this week with a distinguished panel of industry veterans Joe Murin, the President of Ginnie Mae in 2008 & 2009, Jay Brinkmann former Chief Economist of the Mortgage Bankers Association (MBA) and Gary Ort who recently retired Texas Capital Bank (TCB) where he was the President of Mortgage Finance for the TCB. With over a 100 years of combined experience, this panel will bring a unique historical perspective to our ongoing discuss on GSE reform. You can be assured this panel has some great advice for those championing much needed GSE reform. As normal, the first half of the program will feature, Joe Farr of MBS Quoteline providing a rate & market update, Alice Alvey of Union Home Mortgage providing a regulatory & legislative update & Sam Garcia of Mortgage Daily giving us a quick overview of the latest news stories impacting our industry and Andy Schell, a/k/a "Profit Doctor" sharing ideas on how to improve your bottom line. Please tell others about this program and take a minute to share a link to this program with your friends and associates in the mortgage industry. Thank you, David Lykken
Our discussion on GSE reform continues again this week with a distinguished panel of industry veterans Joe Murin, the President of Ginnie Mae in 2008 & 2009, Jay Brinkmann former Chief Economist of the Mortgage Bankers Association (MBA) and Gary Ort who recently retired Texas Capital Bank (TCB) where he was the President of Mortgage Finance for the TCB. With over a 100 years of combined experience, this panel will bring a unique historical perspective to our ongoing discuss on GSE reform. You can be assured this panel has some great advice for those championing much needed GSE reform. As normal, the first half of the program will feature, Joe Farr of MBS Quoteline providing a rate & market update, Alice Alvey of Union Home Mortgage providing a regulatory & legislative update & Sam Garcia of Mortgage Daily giving us a quick overview of the latest news stories impacting our industry and Andy Schell, a/k/a "Profit Doctor" sharing ideas on how to improve your bottom line. Please tell others about this program and take a minute to share a link to this program with your friends and associates in the mortgage industry. Thank you, David Lykken
If you are looking to sharpen your leadership skills or are new to leadership, this podcast is for you! Gary Ort, of Texas Capital Bank, shares personal insight into how to become a more effective leader and build leadership skills within the mortgage banking industry. Gary Ort joined Texas Capital Bank in 2008 and today serves as the President of Mortgage Finance. His leadership has been a one of the main drivers behind Texas Capital Bank's success in the Mortgage industry. Prior to joining Texas Capital Bank, Gary was the National Sales Manager for Steward Lender Services in Houston, Texas. His experience also includes national management positions with First Horizon Correspondent Services, as well as several large national mortgage banking firms. As normal, the first half of the program will feature, Joe Farr of MBSQuoteline providing a rate & market update, Alice Alvey of Indecomm Global Services providing a regulatory & legislative update as well as Paul Muolo of IMF News & Sam Garcia of Mortgage Daily giving us a quick overview of the latest news stories impacting our industry and Andy Schell, a/k/a "Profit Doctor" sharing ideas on how to improve your bottom line. Please tell others about this program and take a minute to share a link to this program with your friends and associates in the mortgage industry. Thank you, David Lykken If you are looking to sharpen your leadership skills or are new to leadership, this podcast is for you! Gary Ort, of Texas Capital Bank, shares personal insight into how to become a more effective leader and build leadership skills within the mortgage banking industry. Gary Ort joined Texas Capital Bank in 2008 and today serves as the President of Mortgage Finance. His leadership has been a one of the main drivers behind Texas Capital Bank's success in the Mortgage industry. Prior to joining Texas Capital Bank, Gary was the National Sales Manager for Steward Lender Services in Houston, Texas. His experience also includes national management positions with First Horizon Correspondent Services, as well as several large national mortgage banking firms. As normal, the first half of the program will feature, Joe Farr of MBSQuoteline providing a rate & market update, Alice Alvey of Indecomm Global Services providing a regulatory & legislative update as well as Paul Muolo of IMF News & Sam Garcia of Mortgage Daily giving us a quick overview of the latest news stories impacting our industry and Andy Schell, a/k/a "Profit Doctor" sharing ideas on how to improve your bottom line. Please tell others about this program and take a minute to share a link to this program with your friends and associates in the mortgage industry. Thank you, David Lykken
If you are looking to sharpen your leadership skills or are new to leadership, this podcast is for you! Gary Ort, of Texas Capital Bank, shares personal insight into how to become a more effective leader and build leadership skills within the mortgage banking industry. Gary Ort joined Texas Capital Bank in 2008 and today serves as the President of Mortgage Finance. His leadership has been a one of the main drivers behind Texas Capital Bank’s success in the Mortgage industry. Prior to joining Texas Capital Bank, Gary was the National Sales Manager for Steward Lender Services in Houston, Texas. His experience also includes national management positions with First Horizon Correspondent Services, as well as several large national mortgage banking firms. As normal, the first half of the program will feature, Joe Farr of MBSQuoteline providing a rate & market update, Alice Alvey of Indecomm Global Services providing a regulatory & legislative update as well as Paul Muolo of IMF News & Sam Garcia of Mortgage Daily giving us a quick overview of the latest news stories impacting our industry and Andy Schell, a/k/a "Profit Doctor" sharing ideas on how to improve your bottom line. Please tell others about this program and take a minute to share a link to this program with your friends and associates in the mortgage industry. Thank you, David Lykken
My guest in this episode is Brett Crosby. Brett crafts the strategy, product and message behind PeerStreet and is responsible for product, marketing, PR, sales and business development. Previously, he was Director of Marketing at Google where his 10 year tenure spanned many of Google's most prominent products. Most notably, he co-founded Google Analytics, helped start Google's mobile advertising business, ran the founding marketing team that launched Google+ and most recently ran the marketing teams responsible for the dramatic growth of Chrome, Gmail, Docs and Drive. Before Google he co-founded Urchin Software Corporation, a web analytics service acquired by Google in 2005. Brett advises and invests in startups and is an active real estate investor. He graduated USC with degrees in international relations and political science, and furthered his education with programs at Georgetown, Michigan State and Semester at Sea. PeerStreet is an award-winning, Andreessen-Horowitz backed, platform focused on democratizing access to real estate debt. The company provides investments in high-yield, short term, real estate backed loans. PeerStreet's unique marketplace allows investors to diversify their capital in an asset class that has been traditionally difficult to access. Loans are sourced and curated from vetted private lenders throughout the United States who have local real estate expertise and borrower relationships. The model allows for more borrowers to access capital and improve their local communities, one house at a time. PeerStreet's platform is secure and intuitive with an easy-to-use interface, offering a wealth of information and tools for every level of investor. Share your thoughts with me on Twitter @mclaubscher and Instagram @cashflowninjapodcast Click To Tweet: Disrupting the Mortgage Finance and Securitization Market With Brett Crosby If you have enjoyed our podcast, please share with friends and family Please Subscribe, Rate, and Review on Itunes so more people can find us! so more people can find us! Interview Links: www.peerstreet.com Support Our Sponsors Joint Ops Properties, have designed a system to take any beginner to an experienced deal making investor in the least amount of time, offering opportunities from basic education, coaching, bridge investing to turn-key investments in the cash flowing market of St. Louis, MO. www.jointopsproperties.com International Coffee Farms, Sustainable Income Through Offshore Sustainable Agriculture www.internationalcoffeefarms.com Audible, download any audio book for FREE when you try Audible for 30 days www.cashflowninjabook.com Thanks so much for joining me again this week. Have some feedback you'd like to share? Leave a note in the comment section below! If you enjoyed this episode, please share it using the social media buttons you see at the bottom of the post! Also, please leave an honest review for the Cashflow Ninja Podcast on iTunes. Ratings and reviews are extremely helpful and greatly appreciated! They do matter in the rankings of the show, and I read each and every one of them. And finally, don't forget to subscribe to the show on iTunes to get automatic updates, please follow me on twitter @mclaubscher and instagram, @cashflowninjapodcast. Until next time! Live a life of passion and purpose on YOUR terms, M.C. Laubscher
Episode 32 is like no other we’ve done to date. Local guys, Brew and Brett, run a startup in nearby Manhattan Beach – and it’s disrupting the real estate financing market. It’s not long into the episode before the guys give us the overview of how it works. Peer Street invests in real estate debt. Now, when most people try this, there are too many intermediaries. The effect is the yield is stripped out. Peer Street is fixing this, focusing on short-term, high interest rate loans. The guys’ vision is to enable investing in real estate lending to be as easy as buying a stock through an online broker. After giving us their fascinating professional backgrounds prior to starting Peer Street, Brew and Brett dive into how the process work. There’s always been a shadow, niche market in this space. A real estate investor finds a good property that he/she is able to fix up and sell/rent. But to make the deal happen, the developer has to move quickly, and doesn’t have time to get a traditional loan through a bank. In steps a reputable cash lender, enabling the deal. Brew and Brett are enabling retail investors to take part in these localized real estate deals. Meb asks about the range on yields… how many current deals they have… just general top-down metrics to paint the broad picture. Since the end of Oct 2015, the guys have opened around $200M of loans. The average yield to investors is 8.5% net of fees and expenses. The average loan duration is 10 months. And the average loan-to-value ratio is 65%. The guys then discuss how deals are vetted. There are approval processes, several layers of underwriting, a requirement wherein lenders have to commit their own capital, various data analytics, then stress testing of the loans. Meb asks what would happen to these loans in a real estate Armageddon situation. The Peer Street guys tell us they use as much data as possible to mitigate potential losses. And these are only 10-month loans, so to lose money, the borrower has to stop making payments and the value of the property has to decrease by about 35%. To try to protect against this, they run algorithms and compare the data to previous cycles. Then they consider what was the worst decline in that submarket. This helps them do a manual underwrite of the loan, after which they get an appraisal from an independent 3rd party. There’s far more on how the guys manage risk which you’ll want to hear. Next, the conversation steers toward how an investor would actually take part in the deals. He/she can pick from, typically, 3-15 available deals at a time. Or investors can set up an automated system, establishing parameters from which Peer Street would match them with the right investments. Ten or more loans at a time is recommended for diversification, with the minimum investment being $1,000. There’s way more in this episode, including Brew’s and Brett’s vision for how disruptive this could be, where this type of investment would fit into an asset allocation model, and an “imposter Cambria” that has Meb very angry. Curious why? Find out in Episode 32.
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My guests are: Tonia Askins – International Business Consultant, Entrepreneur, Author(co-author of "You've Been Fired! Now What?") and founder of the US basedfirm, Virtual International Business Services, which provides consultant, executive, management and administrative business services globally.Tonia has over fifteen years of ownership and management experience within the fields of Human Resources, Mortgage Finance, Real Estate, Hospitality and Non Profit. Victor Kwegyir is an International Business Consultant, BusinessMotivational Speaker, Entrepreneur, Author (of 2 books - "The Business YouCan Start" & co-author of "You've Been Fired! Now What?"), founder and CEO of Vike Invest (UK) Ltd, a growing International Business Consultancy firmin London, UK. He has over fifteen years experience in business, and holdsa Masters degree in International Financial Systems with other qualifications. Victor advises individuals and existing businesses on starting and growing successful businesses, and has been a regular guest on over 60 radio andTV shows around the world.
-Lawrence White, Professor of Economics at NY Stern School of Business and Author of GUARANTEED TO FAIL: Fannie Mae, Freddie Mac and the Debacle of Mortgage Finance. Moe talks about unemployement with Lawrence White.
On the Future of Mortgage Finance in the United States Chairman Ben Bernanke (via satellite) Federal Reserve Board of Governors
On the Future of Mortgage Finance in the United States Chairman Ben Bernanke (via satellite) Federal Reserve Board of Governors