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Mortgage Pros is a resource for mortgage origination professionals that provides weekly insights and updates on the mortgage industry. The show features interviews and discussions with industry experts, covering various topics such as market trends, policy changes, and economic forecasts. The content often includes deep dives into specific subjects such as market conditions, inflation impacts, and rate movements. The show is a valuable resource for anyone involved in the mortgage industry, from lenders to investors.

Tuesdays at 11:00AM PT / 2:00PM ET

Mortgage Industry Metamorphosis - Navigating Cost Cutting & Modernization

Mortgage Industry Metamorphosis - Navigating Cost Cutting & Modernization

Watch the full video here - https://www.youtube.com/watch?v=HNWGDm-ajMg Subscribe to the channel - https://www.youtube.com/@ChrismanCommentary MortgagePros411: Bill Dallas on the Future of Mortgage Lending, Fintech, and Industry Innovation In this powerful episode of MortgagePros411, hosts Audrey and Kevin sit down with mortgage industry veteran Bill Dallas, a seasoned executive with over 35 years of leadership across top mortgage banking, fintech, and fulfillment companies. Bill has led transformative organizations like First Franklin, Ownit Mortgage Solutions, InterThinx, and Cloudvirga, completing over 40 mergers and acquisitions throughout his career. Now at Dallas Capital, Bill is focused on mentoring and investing in the next generation of mortgage professionals. In this interview, we dive into: ✅ The current challenges in residential mortgage lending ✅ How technology and fintech are reshaping the mortgage process ✅ Key trends driving the future of housing finance ✅ Bill’s top leadership strategies for mortgage professionals ✅ What’s broken in the system—and how to fix it Whether you're a loan officer, mortgage broker, industry executive, or just starting your career, this episode is packed with actionable insights and future-focused strategies. 👉 Subscribe to @ChrismanCommentary for more expert interviews and mortgage industry updates! 📌 Don’t forget to like, comment, and share this video with your network. #ChrismanCommentary #MortgageNews #MortgageIndustry #Fintech #MortgageLending #MortgageTechnology #RealEstateFinance #HousingMarket #MortgageRates #Mortgage #LoanOfficer #LoanOfficerTools #MortgageTech #Mortgage #Innovation #RealEstate #HomeInsurance #MortgageInsurance
Mortgage Business - How Wall Street Growth Hurts Borrowers

Mortgage Business - How Wall Street Growth Hurts Borrowers

Watch the full video here - https://www.youtube.com/watch?v=HNWGDm-ajMg Subscribe to the channel - https://www.youtube.com/@ChrismanCommentary MortgagePros411: Bill Dallas on the Future of Mortgage Lending, Fintech, and Industry Innovation In this powerful episode of MortgagePros411, hosts Audrey and Kevin sit down with mortgage industry veteran Bill Dallas, a seasoned executive with over 35 years of leadership across top mortgage banking, fintech, and fulfillment companies. Bill has led transformative organizations like First Franklin, Ownit Mortgage Solutions, InterThinx, and Cloudvirga, completing over 40 mergers and acquisitions throughout his career. Now at Dallas Capital, Bill is focused on mentoring and investing in the next generation of mortgage professionals. In this interview, we dive into: ✅ The current challenges in residential mortgage lending ✅ How technology and fintech are reshaping the mortgage process ✅ Key trends driving the future of housing finance ✅ Bill’s top leadership strategies for mortgage professionals ✅ What’s broken in the system—and how to fix it Whether you're a loan officer, mortgage broker, industry executive, or just starting your career, this episode is packed with actionable insights and future-focused strategies. 👉 Subscribe to @ChrismanCommentary for more expert interviews and mortgage industry updates! 📌 Don’t forget to like, comment, and share this video with your network. #ChrismanCommentary #MortgageNews #MortgageIndustry #Fintech #MortgageLending #MortgageTechnology #RealEstateFinance #HousingMarket #MortgageRates #Mortgage #LoanOfficer #LoanOfficerTools #MortgageTech #Mortgage #Innovation #RealEstate #HomeInsurance #MortgageInsurance
Modern Home Finance - Revolutionizing Mortgages for New Buyers

Modern Home Finance - Revolutionizing Mortgages for New Buyers

Watch the full video here - https://www.youtube.com/watch?v=HNWGDm-ajMg Subscribe to the channel - https://www.youtube.com/@ChrismanCommentary MortgagePros411: Bill Dallas on the Future of Mortgage Lending, Fintech, and Industry Innovation In this powerful episode of MortgagePros411, hosts Audrey and Kevin sit down with mortgage industry veteran Bill Dallas, a seasoned executive with over 35 years of leadership across top mortgage banking, fintech, and fulfillment companies. Bill has led transformative organizations like First Franklin, Ownit Mortgage Solutions, InterThinx, and Cloudvirga, completing over 40 mergers and acquisitions throughout his career. Now at Dallas Capital, Bill is focused on mentoring and investing in the next generation of mortgage professionals. In this interview, we dive into: ✅ The current challenges in residential mortgage lending ✅ How technology and fintech are reshaping the mortgage process ✅ Key trends driving the future of housing finance ✅ Bill’s top leadership strategies for mortgage professionals ✅ What’s broken in the system—and how to fix it Whether you're a loan officer, mortgage broker, industry executive, or just starting your career, this episode is packed with actionable insights and future-focused strategies. 👉 Subscribe to @ChrismanCommentary for more expert interviews and mortgage industry updates! 📌 Don’t forget to like, comment, and share this video with your network. #ChrismanCommentary #MortgageNews #MortgageIndustry #Fintech #MortgageLending #MortgageTechnology #RealEstateFinance #HousingMarket #MortgageRates #Mortgage #LoanOfficer #LoanOfficerTools #MortgageTech #Mortgage #Innovation #RealEstate #HomeInsurance #MortgageInsurance
Mortgage & Insurance - Navigating the Shifting Real Estate Landscape

Mortgage & Insurance - Navigating the Shifting Real Estate Landscape

Watch the full video here - https://www.youtube.com/watch?v=HNWGDm-ajMg Subscribe to the channel - https://www.youtube.com/@ChrismanCommentary MortgagePros411: Bill Dallas on the Future of Mortgage Lending, Fintech, and Industry Innovation In this powerful episode of MortgagePros411, hosts Audrey and Kevin sit down with mortgage industry veteran Bill Dallas, a seasoned executive with over 35 years of leadership across top mortgage banking, fintech, and fulfillment companies. Bill has led transformative organizations like First Franklin, Ownit Mortgage Solutions, InterThinx, and Cloudvirga, completing over 40 mergers and acquisitions throughout his career. Now at Dallas Capital, Bill is focused on mentoring and investing in the next generation of mortgage professionals. In this interview, we dive into: ✅ The current challenges in residential mortgage lending ✅ How technology and fintech are reshaping the mortgage process ✅ Key trends driving the future of housing finance ✅ Bill’s top leadership strategies for mortgage professionals ✅ What’s broken in the system—and how to fix it Whether you're a loan officer, mortgage broker, industry executive, or just starting your career, this episode is packed with actionable insights and future-focused strategies. 👉 Subscribe to @ChrismanCommentary for more expert interviews and mortgage industry updates! 📌 Don’t forget to like, comment, and share this video with your network. #ChrismanCommentary #MortgageNews #MortgageIndustry #Fintech #MortgageLending #MortgageTechnology #RealEstateFinance #HousingMarket #MortgageRates #Mortgage #LoanOfficer #LoanOfficerTools #MortgageTech #Mortgage #Innovation #RealEstate #HomeInsurance #MortgageInsurance
Modern Home Finance - Archaic System Needs Renovation Now!

Modern Home Finance - Archaic System Needs Renovation Now!

Watch the full video here - https://www.youtube.com/watch?v=HNWGDm-ajMg Subscribe to the channel - https://www.youtube.com/@ChrismanCommentary MortgagePros411: Bill Dallas on the Future of Mortgage Lending, Fintech, and Industry Innovation In this powerful episode of MortgagePros411, hosts Audrey and Kevin sit down with mortgage industry veteran Bill Dallas, a seasoned executive with over 35 years of leadership across top mortgage banking, fintech, and fulfillment companies. Bill has led transformative organizations like First Franklin, Ownit Mortgage Solutions, InterThinx, and Cloudvirga, completing over 40 mergers and acquisitions throughout his career. Now at Dallas Capital, Bill is focused on mentoring and investing in the next generation of mortgage professionals. In this interview, we dive into: ✅ The current challenges in residential mortgage lending ✅ How technology and fintech are reshaping the mortgage process ✅ Key trends driving the future of housing finance ✅ Bill’s top leadership strategies for mortgage professionals ✅ What’s broken in the system—and how to fix it Whether you're a loan officer, mortgage broker, industry executive, or just starting your career, this episode is packed with actionable insights and future-focused strategies. 👉 Subscribe to @ChrismanCommentary for more expert interviews and mortgage industry updates! 📌 Don’t forget to like, comment, and share this video with your network. #ChrismanCommentary #MortgageNews #MortgageIndustry #Fintech #MortgageLending #MortgageTechnology #RealEstateFinance #HousingMarket #MortgageRates #Mortgage #LoanOfficer #LoanOfficerTools #MortgageTech #Mortgage #Innovation
Mortgage Pros: Bill Dallas

Mortgage Pros: Bill Dallas

MortgagePros411: Bill Dallas on the Future of Mortgage Lending, Fintech, and Industry Innovation In this powerful episode of MortgagePros411, hosts Audrey and Kevin sit down with mortgage industry veteran Bill Dallas, a seasoned executive with over 35 years of leadership across top mortgage banking, fintech, and fulfillment companies. Bill has led transformative organizations like First Franklin, Ownit Mortgage Solutions, InterThinx, and Cloudvirga, completing over 40 mergers and acquisitions throughout his career. Now at Dallas Capital, Bill is focused on mentoring and investing in the next generation of mortgage professionals. In this interview, we dive into: ✅ The current challenges in residential mortgage lending ✅ How technology and fintech are reshaping the mortgage process ✅ Key trends driving the future of housing finance ✅ Bill’s top leadership strategies for mortgage professionals ✅ What’s broken in the system—and how to fix it Whether you're a loan officer, mortgage broker, industry executive, or just starting your career, this episode is packed with actionable insights and future-focused strategies. 👉 Subscribe to @ChrismanCommentary for more expert interviews and mortgage industry updates! 📌 Don’t forget to like, comment, and share this video with your network. #ChrismanCommentary #MortgageNews #MortgageIndustry #Fintech #MortgageLending #MortgageTechnology #RealEstateFinance #HousingMarket #MortgageRates #Mortgage #LoanOfficer #LoanOfficerTools #MortgageTech #Mortgage #Innovation #RealEstate #HomeInsurance #MortgageInsurance
Mortgage Pros: Tony Migliavacca and Maureen D. McInerney

Mortgage Pros: Tony Migliavacca and Maureen D. McInerney

Tony Migliavacca and Maureen D. McInerney join Audrey and Kevin on Mortgage Pros powered by the Chrisman Commentary to discuss the growing complexities surrounding condominium approvals in the current market. They highlighted that obtaining GSE (Fannie Mae and Freddie Mac) approval for condo projects has become significantly more challenging, with approval rates dropping to about 50%. A critical issue underpinning this shift is the stringent requirements around insurance coverage. One of the major hurdles pertains to deductible limits. Fannie Mae and Freddie Mac impose a maximum allowable deductible of 5%, but Homeowners Associations (HOAs) often increase deductibles to manage escalating insurance premiums. This misalignment creates compliance challenges. Further complicating matters, insurers sometimes structure deductibles in unconventional ways—such as per-unit or hazard-specific deductibles (e.g., for water damage or wildfires)—that obscure the true cost. McInerney and Migliavacca stress the importance of scrutinizing policy endorsements—or their absence—as these nuances can significantly impact eligibility. The discussion also addressed specific areas to monitor within insurance policies, including actual cash value (ACV), guaranteed replacement cost (GRC), inflation guard provisions, and depreciated value clauses. These factors can determine whether a condo’s insurance aligns with GSE guidelines. Moreover, the speakers emphasized the importance of understanding form types and their compliance with federal requirements. Another concern involves structural repairs and legislative mandates, such as California’s SB326, which requires balcony inspections for condominium complexes. These inspections and subsequent repairs add layers of complexity and cost that can impact both buyers and lenders. McInerney offered practical advice for navigating these challenges. She recommended that loan officers and buyers obtain and review HOA meeting minutes, which can provide valuable insights into the association’s financial health, pending litigation, or maintenance issues—critical factors often overlooked in initial assessments.
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