Tom Hutchens, President of Angel Oak Mortgage Solutions, discusses the transformative non-QM mortgage market. He highlights how alternative income verification is crucial for self-employed borrowers, especially in today's gig economy. The conversation delves into current housing market dynamics and the impact of rising interest rates. Hutchens emphasizes the increasing importance of tailored, tech-driven mortgage products and how AI is revolutionizing income calculations, setting an optimistic tone for opportunities ahead in 2025.