HousingWire Daily

Stan Middleman, the visionary founder and CEO of Freedom Mortgage, shares his expertise on navigating the complex landscape of the mortgage industry. He discusses the importance of strategic foresight and adaptability in uncertain markets. Middleman highlights the need for efficient processes and proactive risk management to thrive in a fluctuating environment. He also touches on the rewarding challenges of minority ownership in professional sports and emphasizes his organization's philanthropic efforts, particularly in aiding underserved communities and veterans.

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.

Jonathon Haddad, the Chairman and CEO of the Association of Independent Mortgage Experts (AIME), shares his ambitious vision for enhancing the broker channel in the mortgage industry. He emphasizes the crucial need for coaching and support initiatives, discussing the transformative shift towards collaborative leadership. The conversation highlights how technology and AI are poised to redefine consumer engagement, while also addressing the challenges brokers face in a competitive market. Haddad envisions a future where brokers claim a significant market share, driving innovation and collaboration.

Logan Mohtashami, Lead Analyst at HousingWire, shares his expertise in existing home sales and housing market dynamics. He discusses how declining mortgage rates are influencing sales and the potential for market growth by 2025. The conversation dives into the role of economic indicators and Federal Reserve policies on mortgage rates, and the upcoming housing economic summit in Dallas. Mohtashami also analyzes the implications of rumored economic appointments on housing stability and construction. A must-listen for market enthusiasts!

Gary Acosta, co-founder and CEO of NAHREP, dives deep into how the Trump administration's policies could reshape the real estate market by 2025. He discusses the Clear Cooperation Policy and its importance for fairness in housing listings. The conversation tackles the interplay of immigration and labor shortages in construction, proposing innovative solutions for affordable housing. Acosta emphasizes the significance of smaller lenders in the mortgage scene while advocating for consumer education and a balanced regulatory approach.

On today’s episode, Editor in Chief Sarah Wheeler talks with Lead Analyst Logan Mohtashami about what Trump is looking for in a Treasury Secretary and how that could affect mortgage rates. The two also discuss housing starts and purchase applications.Related to this episode: Here’s why we won’t build millions of new homes | HousingWire HousingWire | YouTube More info about HousingWire  Enjoy the episode!The HousingWire Daily podcast examines the most compelling articles reported across HW Media. Each morning, we provide our listeners with a deeper look into the stories coming across our newsrooms that are helping Move Markets Forward. Hosted and produced by the HW Media team. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this engaging conversation, James Kleimann, Managing Editor at HousingWire, unpacks the strategies of major players like Rocket Mortgage and Zillow in today's market. He discusses how Rocket is adapting to rising mortgage rates and leveraging technology while smaller lenders struggle. The talk also ventures into Zillow’s innovative Flex Program for real estate agents and their growing mortgage business. Additionally, they tackle the controversial idea of building homes on federal land, highlighting its complexities and challenges in the quest for affordable housing.

Marc Trachtenberg, CEO of Silk Title Company, sheds light on forging transparent partnerships between lenders and title companies to elevate the customer experience. He discusses how technology and data can revolutionize these collaborations. The conversation dives into the importance of embracing failures as learning tools in business and highlights the critical role of clear communication and adaptability. Plus, Trachtenberg shares insights on preparing for the economic landscape of 2025, emphasizing the need for innovative and diversified strategies.

Logan Mohtashami, Lead Analyst at HousingWire, shares his expertise on housing credit and mortgage rates. He dispels myths about imminent housing crashes by discussing positive credit reports. The conversation highlights the resilience of the housing market amid rising debt. Mohtashami compares market dynamics in Florida and Texas, focusing on inventory and migration patterns. He also analyzes the impact of high mortgage rates and Federal Reserve policies, emphasizing their influence on future housing trends and economic stability.

Vinay Singh, the Chief Financial Officer and Chief AI Officer at HUD, discusses how AI is revolutionizing the housing sector. He shares insights on integrating AI to enhance service delivery and tackle public housing challenges. Singh emphasizes the cultural shifts needed for AI adoption, addressing employee concerns about job security. He highlights AI's role in data accessibility, fraud prevention, and disaster recovery, showcasing how HUD is modernizing its approach to public service under innovative leadership.