The MikedUp Show

Stanley C. Middleman, Founder and CEO of Freedom Mortgage, shares his journey in the mortgage industry and his commitment to community service. He discusses the 7 Principles that guide his entrepreneurial mindset and reflects on how failures can teach valuable lessons. The conversation shifts to the importance of adaptability in volatile markets and how adversity can lead to reinvention. Stanley also reveals that his insights were initially documented for his children, emphasizing the significance of leaving a legacy.

In this compelling installment of The MikedUp Show, hosts Michael Kelleher and Michael Zau welcome Steven Plaisance, a transformational mortgage banking executive whose 35+ years in the industry have been fueled by a genuine passion for people, servant leadership, and strategic innovation. Aptly titled “Ambassador of Advocacy,” this episode goes beyond the buzzwords and dives straight into how advocacy can be transformed into tangible actions that reshape an entire industry. Steven’s story is as personal as it is professional: He’s led massive teams—1,600 members at Gateway First Bank and over 2,000 at Arvest—through market shifts, technological evolutions, and cultural transitions. Driven by a deep commitment to empowering individuals, he has consistently championed collaborative work environments, robust people development programs, and open-communication cultures. He believes in leading from a place of authenticity, staying approachable, and investing in the strengths of every team member. Throughout the conversation, Michael & Michael tap into Steven’s vast expertise on topics like capital markets, risk management, regulatory compliance, and customer-centric strategies—all areas where he has a proven track record of success. You’ll get a front-row seat to his behind-the-scenes insights on how to weather volatile markets, drive operational efficiency, and implement meaningful growth initiatives, even when the road gets bumpy. But it’s not just about spreadsheets and strategies. Steven reveals the human side of leadership—how championing advocacy means serving communities, supporting families in need, and nurturing future talent through targeted programs like Gateway’s “RISE” leadership development initiative. He discusses the challenges and rewards of fostering inclusive cultures, underscoring that true advocacy happens when leaders prioritize people first and profits follow. If you’re looking for a playbook on how to blend heartfelt service with high-level business acumen, this is the episode for you. Steven’s blend of values and visionary thinking sets the stage for an uplifting and informative discussion—one that might just spark your next big idea for championing change in your own sphere of influence. Tune in now at mikedupshow.com to learn why Steven truly embodies the spirit of an Ambassador of Advocacy, and how you too can harness the power of proactive leadership to make a lasting impact in the mortgage industry and beyond.

It’s time for a deep dive into MBA’s Independent Mortgage Bankers Conference 2025 (IMB25)—and your hosts, Michael Kelleher and Michael Zau, are back to share all the game-changing highlights on this latest episode of The MikedUp Show! Recorded right after the biggest annual gathering of IMBs in Austin, Texas, this episode gives you the exclusive inside scoop on what went down from January 27–29. The guys open with an overview of the conference vibe—an intimate yet powerhouse setting packed with senior executives, industry influencers, and ambitious leaders from every corner of the independent mortgage banking world. Hear how IMB25 delivered on its promise of curated content for every IMB size and model, from deep-dive breakout sessions to insights on maximizing profitability, embracing AI-driven processes, and future-proofing your business strategy. Then, Michael and Michael break down the major keynotes, touching on Stan Middleman (Founder, President & CEO of Freedom Mortgage) and Bill Lowman (Chairman of American Pacific Mortgage), along with their must-hear predictions for 2025 and beyond. From cutting-edge technology solutions to compliance considerations, you’ll get the inside track on industry best practices and the do’s and don’ts for staying ahead of the mortgage game. Finally, enjoy the duo’s signature banter as they discuss Austin’s vibrant culture, the Live Music Capital of the World, and how that energy carried over into networking events, after-parties, and the all-important annual IMB party. If you missed the conference, this episode is the perfect recap. And if you were there, you’ll appreciate Michael and Michael’s fresh takes on what’s next for independent mortgage bankers—and why you don’t want to miss the next round of IMB events. Tune in now on The MikedUp Show to hear the definitive wrap-up of IMB25, and get inspired to tackle the new year with the latest trends, relationships, and revenue-boosting ideas!

On this electrifying audio episode of The MikedUp Show, hosts Mike and Mike shift into high gear, spotlighting the immense potential of fix & flip financing—complete with playful nods to “Caddyshack,” lively discussions about country clubs, and a comedic spin on how you, the mortgage originator, can emerge as a local hero for real estate investors. Their conversation with special guest Shelley Duffy, Executive Vice President of National Sales at Incenter Capital Advisors, radiates both humor and depth, showcasing the nuts and bolts of how lenders can break into a lucrative market niche that’s often overlooked. Right from the get-go, the episode crackles with excitement: references to Rodney Dangerfield’s outlandish antics set the tone as the hosts draw a parallel between a golf-club outsider and the mortgage professional who hasn’t yet ventured into fix & flip. Shelley’s insights reassure anyone feeling like a newcomer that there’s a clear opportunity here: fix & flip can boost your bottom line and expand your reach far beyond standard Fannie or Freddie deals. In her trademark approachable style, Shelley explains that Incenter Capital Advisors has been methodically building relationships and testing strategies that can give originators the most competitive fix & flip products around. She emphasizes the synergy with realtors—who themselves constitute nearly a quarter of the flipping market—and encourages originators to recognize the extraordinary benefit of being the “go-to loan source” for these investors. By offering specialized products that directly address the needs of property flippers, you become an invaluable resource in their quest to transform homes and profit from quick turnarounds. A memorable highlight emerges as the conversation drifts into the comedic realm of “home improvement gone wrong.” If a house is already professionally renovated, Shelly jokes, it might save a family from the dreaded scenario of a spouse “sleeping on the couch” due to ongoing do-it-yourself disasters. The bigger picture is that fix & flip specialists deliver turnkey properties, and mortgage pros with the right financing solutions can help speed up the process—from the initial acquisition through final resale. While fix & flip loans often come with higher points and fees—sometimes four or more—Shelley underscores that investors understand the cost of capital as a normal part of flipping. They’re accustomed to factoring in the expense, so the real question is whether you, as an originator, can deliver. Shelley highlights how Incenter aims to de-risk these transactions through meticulous due diligence and robust underwriting practices, so you don’t have to fear the dreaded buyback scenario. Shelley’s deep industry background comes to the forefront during this discussion. Having built an impressive track record over more than 15 years, she’s navigated senior roles at Computershare Loan Services and Radian. Now at Incenter, she’s directing an expanding Enterprise Business Development team tasked with unveiling creative solutions—spanning capital markets, student lending, insurance, property tax, and more—that can significantly elevate a lender’s position in a competitive marketplace. Throughout the episode, listeners will sense Shelley’s passion for forging new relationships and her drive to give mortgage originators the confidence to diversify. She and Incenter are committed to helping partners stand out by offering them an array of tools and resources tailored to the evolving world of fix & flip. If you’ve been searching for practical steps to navigate an untapped niche, this is your comprehensive guide. Mike and Mike ensure that every minute of audio is packed with useful tidbits. They keep the tone light, weaving in jokes about the country club lifestyle and using comedic illustrations to highlight that you don’t have to be a “perfect fit” to make a splash in unfamiliar territory. The biggest takeaway? Armed with the right partner—namely Shelley and her powerhouse team—you can confidently explore fix & flip lending, build your portfolio, and score those “wow” moments when deals close seamlessly. So don your headphones, buckle up, and prepare to discover how fix & flip can transform your approach to originations. Let the comedic banter fuel your curiosity, and let the step-by-step insights guide you into a market packed with potential. If you’re ready to differentiate yourself, make new industry connections, and offer a solution that investors truly value, you’ve found the episode that will put your plans into motion.

In this episode of The MikedUp Show, we sit down with Timothy Li, the visionary founder and CEO of LendAPI, to explore how his groundbreaking platform is reshaping the banking and lending landscape. With over 20 years of experience in banking and technology and a track record of successful FinTech ventures, Tim brings unparalleled insights into how banks and FinTechs can leverage cutting-edge technology to innovate, scale, and succeed. LendAPI: Transforming Banking and LendingLendAPI is a venture-backed FinTech infrastructure company that empowers banks and FinTechs to launch financial products in mere minutes. With an all-in-one platform that includes Product Studio, Rules Studio, Pricing Engine, and Integrated Partners, LendAPI simplifies the complexities of banking innovation. The platform also boasts an advanced decision engine, enabling clients to optimize their digital onboarding processes with A/B testing, backtesting, and shadow scoring.

What would the mortgage industry look like if loan officers were restricted to handling only purchase loans in 2025? In this eye-opening episode of The MikedUp Show, we sit down with Terry Aikin, Managing Director at MGIC and a seasoned expert with over 38 years in mortgage banking and insurance, to explore this intriguing scenario and much more. Terry shares his wealth of knowledge about the evolving role of mortgage insurance (MI) and its critical importance in today’s market. He breaks down the differences between PMI (Private Mortgage Insurance) and FHA loans, highlighting their unique benefits for borrowers and their relevance in a purchase-driven market. Whether you’re a new loan officer or a seasoned professional, this episode provides actionable insights to help you adapt to an unpredictable future. A passionate advocate for responsible lending, Terry discusses how organizational culture influences behavior, creativity, and growth within the mortgage industry. Drawing on his extensive experience as an instructor for the MBA’s School of Mortgage Banking, Terry dives into the historical and strategic importance of MI and its role in fostering homeownership.This episode is packed with actionable takeaways and strategic insights tailored for mortgage professionals navigating uncertain times. Terry’s deep understanding of the industry and his ability to anticipate market trends make this discussion essential listening for anyone in mortgage banking. Whether you're looking to better understand MI, adapt to a purchase-heavy market, or gain a competitive edge, this episode equips you with the tools to succeed in 2025 and beyond. Don’t miss Terry’s thoughtful perspectives on the intersection of risk management, borrower advocacy, and innovation in the mortgage industry.

In this week’s compelling episode of The MikedUp Show, hosts Mike Kelleher and Michael Zau welcome Stephen Moye, Senior Loan Officer and Sales Manager at New American Funding. Stephen’s accolades speak for themselves: 2022 & 2024 President's Council Winner, Scotsman Guide Top Loan Originator for 2020, 2021, and 2022, and Mortgage Executive Magazine Top 1% Originators in America for three consecutive years. With a career spanning back to 1996 and over 3,800 families served, Stephen brings unparalleled expertise to the table, offering listeners a unique perspective on the mortgage industry’s future. As we prepare to embrace 2025, Stephen shares an insider’s take on what lies ahead for loan originators, industry leaders, and homebuyers alike. Drawing from decades of experience, he breaks down the evolving landscape of mortgage lending and explores how originators are empowered today to make better decisions and earn the rewards they deserve. Stephen emphasizes the critical importance of being a servant to the industry and highlights how collaboration, mentorship, and community-building are shaping the future of mortgage banking. Stephen candidly admits that, as an "old-school person," he’s had to adapt to significant industry shifts—and he’s done so with grace and innovation. He discusses the "new NIL landscape," where loan originators have opportunities akin to those offered in collegiate NIL programs. It’s a game-changing era, where industry professionals are encouraged to focus not only on numbers but also on fostering meaningful relationships with colleagues and clients. This is a show about transforming mindsets, embracing leadership roles, and cultivating an ethos of service to others. The conversation delves deep into the core principles that drive success in mortgage lending. Stephen reminds us that the ultimate goal is to help families achieve the American Dream, whether it’s through purchasing a $150,000 manufactured home or a $1.5 million property. “Never lose sight,” he says, “that these are families whose lives you’re changing.” His passion for helping people secure homes and build communities shines through in every word. Beyond helping families, Stephen touches on the broader ripple effects of our actions as industry professionals. From inspiring colleagues to fostering innovation across organizations, he believes in the power of servant leadership to create a lasting impact. As Mike and Michael summarize, it’s about asking, “What’s in it for everyone else?” rather than, “What’s in it for me?” Whether you’re a seasoned mortgage professional, a new loan originator, or someone looking to better understand the dynamics of the industry, this episode is packed with invaluable takeaways. Stephen Moye offers a refreshingly honest and optimistic perspective on where the mortgage industry is headed. As he puts it, “This is an industry with a bright, bright future ahead.”   Tune in now to hear more about Stephen’s journey, his vision for 2025, and how he continues to lead with integrity and purpose. Don’t miss this inspiring and insightful conversation

Welcome to an exciting new episode of The MikedUp Show, where your hosts, Mike Kelleher and Michael Zau, dive into their bold predictions and strategic insights for 2025. As we close out 2024 and prepare for a new year of opportunities, this episode is your ultimate guide to staying ahead in the fast-paced mortgage and real estate industries. What will 2025 bring? Mike and Michael explore the future of the mortgage market, discussing where rates might go, the key factors shaping the industry, and how companies can adapt to stay competitive. From understanding market trends to planning for where the puck is heading, this is a deep dive into everything you need to know to future-proof your business in the year ahead. One of the major themes of 2025 will be the digital revolution. The hosts share insights on how technology will transform the way loan officers connect with clients, with a strong emphasis on the increasing shift toward apps and digital platforms. They also discuss how personal branding and digital marketing can help loan officers stand out from the crowd, build stronger client relationships, and position themselves as industry leaders. AI is another hot topic in this episode. Discover how artificial intelligence can revolutionize the way you find leads, warm up inboxes, and automate processes to save time and increase efficiency. Mike and Michael break down how leveraging AI tools can give you a competitive edge and help you stay on top of the latest technological advances. The episode also highlights the importance of making personal connections with clients in a digital-first world. With everyone relying on technology, the human touch will become an even more valuable asset. Learn practical strategies to foster trust and loyalty with your clients, ensuring you remain their first choice in a crowded market. Another key discussion point is the Fix and Flip Program. The hosts explain what this product is, how it works, and why it presents a unique opportunity for independent mortgage banks (IMBs). Whether you’re looking to introduce Fix and Flip to your product offerings or expand its reach to new markets, Mike and Michael provide actionable tips to help you maximize this program’s potential. Packed with valuable insights, actionable strategies, and forward-thinking predictions, this episode is a must-listen for anyone looking to thrive in 2025. Tune in now to get a head start on the new year and ensure your success in an ever-evolving industry!

In this engaging episode of The MikedUp Show, hosts Mike Kelleher and Michael Zau sit down with Eddy Perez, CMB, CEO and co-founder of Equity Prime Mortgage (EPM), to explore powerful insights into leadership, growth, and embracing change in the mortgage industry. Eddy Perez brings his expertise, passion, and visionary approach to this candid discussion, highlighting what it takes to succeed in an ever-evolving market. The conversation kicks off with a unique metaphor—Rudolph the Red-Nosed Reindeer. Eddy challenges mortgage professionals to break free from "playing reindeer games" and to embrace their individuality and leadership potential. Using this analogy, the discussion delves into the importance of standing out, focusing on strengths, and maintaining gratitude during times of discomfort. Eddy shares his journey of building EPM into one of the largest and most respected mortgage companies in the country. With a steadfast focus on the TPO (Third Party Origination) channel, Eddy emphasizes the value of commitment, consistency, and long-term vision. Drawing inspiration from athletes like Usain Bolt, he reminds listeners that success is the result of years of focused effort, not overnight results. Listeners will gain valuable insights into the power of gratitude as a driving force for change. Eddy explains how adopting a mindset of gratitude—especially for challenges and discomfort—creates opportunities for personal and professional growth. The episode underscores the importance of being honest with oneself, embracing reality checks, and taking ownership of one's journey. Eddy's empathetic leadership style, rooted in his experience as a former loan officer, shines through as he discusses how leaders can motivate and support their teams. He encourages mortgage professionals to lean into video marketing as a vital tool for success in 2025, emphasizing the importance of consistency and authenticity in building trust with clients and partners. As the year comes to a close, Eddy reminds listeners to take advantage of the holiday season to reflect, recharge, and prepare for the challenges and opportunities ahead. He leaves the audience with a motivating message: by committing to growth, gratitude, and consistent effort in 2025, you’ll set yourself up for a successful and transformative year in 2026. Tune in to this inspiring and thought-provoking episode to learn from one of the mortgage industry’s most influential leaders. Eddy Perez’s wisdom, passion, and actionable advice will leave you energized and ready to level up your game in 2025.

As 2024 draws to a close, hosts Mike Kelleher and Michael Zau take a moment to reflect on the remarkable conversations and transformative insights shared on The MikedUp Show this year. From the launch of Season 3 to now, every episode brought unique perspectives, memorable discussions, and actionable strategies from some of the brightest minds in mortgage, finance, and real estate. The hosts kick off the Year Recap by revisiting standout moments from Eric and Brad Blumberg of AsterKey, where they discussed the power of mortgage data security and innovation. Their insights into building tools to simplify backend processes for lenders set the tone for a season focused on solving big challenges. From there, Ryan Black of BMG shared his expertise on how legal firms can empower lenders, diving into critical conversations about efficiency and compliance. His episode underscored how collaboration between lenders and legal professionals helps maintain the integrity and growth of the mortgage space. Industry expert Mike Mills brought a fresh lens to creating lasting relationships in mortgage banking. His emphasis on connecting with borrowers and team-building offered tangible takeaways on maintaining trust, even in volatile markets. The year continued to gain momentum with Chuck Iverson, whose deep dive into team culture and personal development as a cornerstone of leadership struck a powerful chord with originators and mortgage leaders alike. Chuck’s “people-first” approach became a recurring theme throughout the season as other guests reinforced the importance of culture-driven businesses. Dain Ehring took us on a journey into technology’s role in mortgage lending. His eye-opening discussion explored automation, digital tools, and AI-driven processes to enhance operations while preserving the human touch critical to lending success. Dain challenged lenders to embrace innovation while staying nimble in an ever-changing landscape. With Daniel Smith, listeners heard a compelling perspective on risk management and forward-thinking strategies. His insights into managing volatility offered practical frameworks for success that resonated in an uncertain market. We also welcomed Jorge Campodonico, whose conversation showcased what it means to lead in transformative environments. His focus on empowering teams, embracing adaptability, and building sustainable processes provided critical lessons for mortgage professionals striving to thrive. John Toohig, a standout guest, captured the audience’s attention with his candid discussion on loan sales, capital markets, and portfolio management. John’s data-driven approach to optimizing loan strategies and balancing risk highlighted why these topics remain a priority for lenders navigating tightening market conditions. As Mike and Michael guide listeners through the highlights of the year, they celebrate each guest’s unique contribution to the show. They also reflect on recurring themes, such as leadership, innovation, and adaptability, and share their favorite moments that defined 2024’s season of The MikedUp Show. Whether you’ve been with us since Episode 1 or are just joining in, this Year in Review is a perfect opportunity to catch up on everything you may have missed, gain a deeper appreciation for this year’s incredible insights, and feel inspired to take on 2025 with confidence.