Sasha Stair, Robbie Chrisman, and Jeremy Potter provide a full Thanksgiving meal of topic categories. From turkey to side dishes to garnishes and desserts, we discuss what 2024 has looked like as a Thanksgiving plate. We agree, we disagree and we celebrate Thanksgiving. Please watch and share this fun episode. Let us know your opinions in the Comments. @NowNextLater_Housing #innovation #mortgage #fintech

Now Next Later with Tammy Richards. Sasha and Jeremy have the chance to talk with one of the most experienced and well respected leaders in the mortgage industry. Tammy has been an industry executive at Countrywide, BoA, Caliber and LoanDepot. Currently she is Chief Operating Officer of Kind Lending. Tammy dives into all that hardest questions facing today's mortgage companies. She provides the key takeaways and questions for you to apply to your business right NOW. As Tammy says in the episode, LATER is here NOW. Takeaway #1 for NOW: Cost of origination remains over $11,000-$13,000 according to MBA. How are you scrutinizing your process and system and removing everything that does not return value? One key question in doing that - is it our system that’s the problem or our process? Sometimes lenders like to blame systems but could it be you’ve made minimal change to your business. Takeaway #2 - WIIFM = What’s In It For Me? Always lead with WIIFM for your audience. True for MLOs and Executives alike. Key point: Relationships will remain central to everything we do. Between business partners - internal and external - as well as the key customer service functions. Concierge will always be a part of the process. Takeaway #3 for NEXT = Remember WIIFM includes fear or insecurity about implementing something that feels “threatening.” It’s normal and natural that even your best people might feel threatened during implementation/adoption. It’s human nature. Do not deny it and find ways to drive implementation AND incorporating your team into the process. #innovation #mortgage #firsttimehomebuyers #WIIFM

Today, Jon Lawless and Jeremy Potter interview Landy Liu, the founder of Foyer. Foyer is a savings platform for first-time home buyers. Imagine the 401(k) of down payment. Foyer has built it. In fact, we'll hear from a homeowner as part of the interview. Enjoy! #innovation #firsttimehomebuyers #realestate #mortgage @ChrismanCommentary @NowNextLater_Housing

In today's episode Jeremy and Sasha dig into the current landscape of digital mortgage with Jay Arneja of nCino, VP of Industry Relations, Digital Mortgage, and Thought Leadership. Jay has been at the forefront of digital mortgage and eClosing across the industry. Our questions range from "where are we now?" to turning digital into actual speed & cost savings. As we move into Later, we talk about "why" and "how." Meaning, the next year or two is going to be about tech companies and title providers bridging the final gap to fully digital process. Lead Gen through Servicing. It's here and it's real. #innovation #digitalmortgage #eClosing #mortgage #chrismancommentary

This week's Now Next Later comes to you live from MBA Annual in Denver, with hosts Jeremy Potter and Sasha Stair kicking off your week with the latest on technology and innovation from the mortgage sector.

The 2024 presidential election is only weeks away, and housing is front and center as a campaign issue like never before, with each candidate promising they have a plan to make housing more plentiful and affordable. To break down what Trump and Harris’ campaign promises are all about, Jon and Jeremy talk to Jeb Mason, a partner at public policy consultancy Mindset, and a housing wonk like us. There are promises of down payment assistance and new homes across federal lands, but as Jeb points out, “Neither candidate is really talking about a deliberate reversal of the monetary and fiscal stimulus that got us into and exacerbated this housing affordability crisis.” And since you all are Housing Insiders, you’ll want to hear Jeb’s thoughts on the prospects for GSE reform.

Jeremy Potter talks with Ryan Sandler of Truework. Truework is a comprehensive verification platform for lenders. Jeremy and Ryan deep dive data verification and the future of mortgage lending. If you are interested in (re)thinking your process, this is the episode for you. Ryan founded Truework 7 years ago and has a wealth of information on emerging technology and A.I. Takeaway #1 - Verification is fundamental to both innovation and efficiency. 1 in 5 companies are still stuck in the inertia of their existing tools. Lenders want to automate but reality is step by step. Takeaway #2 - Single system of record acts like a utility but threatens price/cost, innovation and product development. Competition is healthy. We need more competition for income, employment and identity verification. More consumer driven choice will fundamentally benefit both consumers and the market. Takeaway #3 - The next trend that will influence EVERYTHING especially lending is A.I. We have been burned by fads in the past but this is not a fad. Think this history: internet, mobile, cloud and now A.I. This must be considered in that fundamental a change to your business.

Sasha Stair and Jeremy Potter discuss three key areas for lenders and tech companies. 1. Lenders who cannot compete with the big, digital lenders must find people and solutions within your existing tech stack. You have innovative people in your organization who can maximize process & product. Use them. 2. AI is the biggest topic among all lenders. ChatGPT is the most likely to be used and deployed. What's next? Use AI inside the tech and ops platform to guide solutions, workflow and answers. 3. Customized consumer data will revolutionize the lead gen and conversion game. The big data providers are moving away from the so-called "trigger leads" but are not going to lose revenue. They will monetize propensity data and platforms will need to ask consumers for consent to work with them. Consumers will agree and we're off to the races...so to speak #podcast #nownextlater #mortgagetalk #mortgage #innovation @NowNextLater_Housing

Wealth Creation, Homeownership, and Small Business with Marisa Calderon, Prosperity Now Jonathan and Jeremy kick things off with the housing headlines. Are there supply incentives through withholding transportation dollars? There may be widespread insurance title kickbacks. And how will student loans impact credit scores? Marisa Calderon, President & CEO of Prosperity Now, joins the discussion to talk the state of wealth creation, what prosperity means, the spike in new small businesses in recent years, how small business loans work today, and the impact of increasing loneliness in the US.

Sasha and Jeremy talk to Ethan Winchell of Truework about the tech landscape. One of the biggest topics we tackle on all our shows is lender adoption. As a VOIE provider, Truework has been working across lender operations, LOS providers, and lender CFOs to prove out savings. This episode you'll hear how to think about measurement and storytelling required to take those savings and turn them into adoption. #innovation #mortgage #fintech

On this episode of Housing Insiders, Jon and Jeremy explore the NAR Settlement. Hear informed reactions to the first month of the NAR policies in effective and the outlook for the housing finance industry. #mortgage #realestate #nar #firsttimehomebuyers #innovation

On today's episode, Sasha, Jeremy and Taylor discuss the implications for mortgage companies, MLOs and the industry thanks to the NAR Settlement. As the role of the buyer's agent changes, to some degree, the question is - what does it mean for financing a home loan? Turns out that's more confusing than you'd think. So, Taylor clears it up with advice and best practices. Listen in for how to handle education, what advocacy looks like and Taylor's prediction on "What's Next." Note: We had technical difficulties at the very end of the call. So, in classic Now Next Later fashion, we have some drama and curiosity to leave you wanting more at the end of the video.

This week Sasha and Jeremy speak with Jodi Hall about how technology companies and lenders should be looking at the next 3-6 months. The biggest takeaways from today's show are ways to keep moving forward with your product modernization roadmap during times of increased volume. Do not pause the work, get help instead. Our sponsor: FormFree is the first in the mortgage industry to create an exchange where qualified borrowers connect with lenders who compete directly and transparently for their business. We will learn more about solutions for lenders during today's podcast. #innovation #mortgage #fintech #leadership @NowNextLater_Housing

Sasha and Jeremy discussed the state of Now in Ai in mortgage coming out of the Housingwire Ai Summit last week. What is the general consensus on adoption and return on investment? Listen for how we would approach Ai and what it means for "experience" in our industry. @NowNextLater_Housing

Sasha Stair and Jeremy Potter discuss how data collection and data management can inform your tech roadmap, strategic decisions and empower your customers with better experience. Importantly, leaders can ask the question "do we know or are we guessing?" and get an answer - "we know."

Today's episode features Marvin Chang. Marvin has worked across big tech, mortgage banking and fintech. His experience from Silicon Valley to Citi and Caliber to startups covers the entire range of product delivery in mortgage. Marvin is currently an author, advisor and consultant as well as the Visiting Professor of Fintech at Duke University. In today's episode, Sasha, Jeremy and Marvin dive deep into what makes key product decisions successful. Product management is a particularly tricky challenge for mortgage companies. There are the mortgage products manufactured and delivered to the secondary market as well as the consumer experience (CX) in the process. This episode helps clarify the structure and resources required to do both types of product management well. Tune in for insights into 2025 and leave us a comment below for what you'd like to hear discuss on upcoming episodes.