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The residential appraisal process has changed significantly over the past decade related to guidelines. But from a the standpoint of keeping up with changes in technology... not so much. In this week's episode of our Future Proof series, Melissa and James discuss recent changes that are starting to drive major impact to the way that collateral is underwritten.

Join our hosts as they break down the conversation with Brian Vieaux, President of MISMO, and Kenon Chen, EVP of Strategy at Clear Capital and their assessment of the current state of appraisals and where innovations such as the release of MISMO's Uniform Appraisal Dataset 3.6 (UAD 3.6) are revolutionizing the appraisal world.

To register for the live Future Proof webinars, download past episodes, and hear all of the discussions, visit PraxisLendingSolutions.com/FutureProof.

About Our Hosts:

Melissa Langdale is the founder and CEO of Praxis Lending Solutions, a premier consulting firm focused on improving the operational efficiency and effectiveness for mortgage lenders. As an experienced mortgage industry veteran, she brings a unique approach to solving problems for her clients.

If you’re interested in connecting with Melissa to discover how Praxis can help restructure and refine your Operational workflow, connect with her at PraxisLendingSolutions.com.

James Duncan is the founder and Chief Marketing Strategist of Caelum Advisers. As the former Head of Marketing for more than a decade, James launched Caelum Advisers with the mission of transforming the perception of what great marketing strategy looks like in the mortgage industry.

If you are a founder, executive, or head of marketing and want to find out how to tell a more compelling story and connect with your ideal client, visit CaelumAdvisers.com.

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On this week's podcast episode, “Future Proof: The Future of Capital Markets,” hosts Melissa Langdale and James Duncan debrief the interview with Chris Bennett, Chairman of Vice Capital Markets, to unpack what’s ahead for modern housing finance.

They explore scenarios for Fannie Mae and Freddie Mac exiting conservatorship, how guarantee fees and risk‑based pricing shape affordability, and why today’s capital markets feel so different from past cycles. Chris weighs in on 50‑year and portable mortgages, supply constraints, and policy shifts that could unlock more inventory. Listen in for a roadmap to navigating mortgages, capital markets, and real estate opportunities as we head into 2026 and beyond.

To register for the live Future Proof webinars, download past episodes, and hear all of the discussions, visit PraxisLendingSolutions.com/FutureProof.

About Our Hosts:

Melissa Langdale is the founder and CEO of Praxis Lending Solutions, a premier consulting firm focused on improving the operational efficiency and effectiveness for mortgage lenders. As an experienced mortgage industry veteran, she brings a unique approach to solving problems for her clients.

If you’re interested in connecting with Melissa to discover how Praxis can help restructure and refine your Operational workflow, connect with her at PraxisLendingSolutions.com.

James Duncan is the founder and Chief Marketing Strategist of Caelum Advisers. As the former Head of Marketing for more than a decade, James launched Caelum Advisers with the mission of transforming the perception of what great marketing strategy looks like in the mortgage industry.

If you are a founder, executive, or head of marketing and want to find out how to tell a more compelling story and connect with your ideal client, visit CaelumAdvisers.com.

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Networking is making a comeback! In our post-COVID, AI-infused world, people are craving genuine connection. It's simply how we're wired as humans. But there's more to these connections than just handshakes and "being seen".

Want to learn tactical ways to truly engage and connect with a community who needs to hear from you? In today's "Future Proof" podcast, Melissa and James dive into the discussion around the topic of the "Future of Networking" with LaDonna Lockard, CEO of MaxClass and Sasha Stair, CMO at Xactus.

Our guest panelists shared their tactics around networking... before, during, and after the event.

To register for the live Future Proof webinars, download past episodes, and hear all of the discussions, visit PraxisLendingSolutions.com/FutureProof.

About Our Hosts:

Melissa Langdale is the founder and CEO of Praxis Lending Solutions, a premier consulting firm focused on improving the operational efficiency and effectiveness for mortgage lenders. As an experienced mortgage industry veteran, she brings a unique approach to solving problems for her clients.

If you’re interested in connecting with Melissa to discover how Praxis can help restructure and refine your Operational workflow, connect with her at PraxisLendingSolutions.com.

James Duncan is the founder and Chief Marketing Strategist of Caelum Advisers. As the former Head of Marketing for more than a decade, James launched Caelum Advisers with the mission of transforming the perception of what great marketing strategy looks like in the mortgage industry.

If you are a founder, executive, or head of marketing and want to find out how to tell a more compelling story and connect with your ideal client, visit CaelumAdvisers.com.

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Regulatory environments are nothing new to the mortgage industry. But with greater adoption of AI in everyone's daily lives, technology has introduced new variables into the mix that make governing the industry a bit more challenging.

On today's "Future Proof" podcast, James and Melissa dissect the discussion had with Melissa Grindel, CMCP, EVP at ActiveComply and Mark McArdle, SVP of Regulatory Affairs at NewRez.

Our host and panelists covered what's happening on the legislative fronts at both the State and Federal level as well as what to expect in the future.

To register for the live Future Proof webinars, download past episodes, and hear all of the discussions, visit PraxisLendingSolutions.com/FutureProof.

About Our Hosts:

Melissa Langdale is the founder and CEO of Praxis Lending Solutions, a premier consulting firm focused on improving the operational efficiency and effectiveness for mortgage lenders. As an experienced mortgage industry veteran, she brings a unique approach to solving problems for her clients.

If you’re interested in connecting with Melissa to discover how Praxis can help restructure and refine your Operational workflow, connect with her at PraxisLendingSolutions.com.

James Duncan is the founder and Chief Marketing Strategist of Caelum Advisers. As the former Head of Marketing for more than a decade, James launched Caelum Advisers with the mission of transforming the perception of what great marketing strategy looks like in the mortgage industry.

If you are a founder, executive, or head of marketing and want to find out how to tell a more compelling story and connect with your ideal client, visit CaelumAdvisers.com.

Send us a text

Are you overlaying AI onto an ineffective and inefficient workflow? In today's episode of the Future Proof Podcast, Melissa and James debrief our most recent edition of the "Future Proof Webinar" series where Melissa interviewed three amazing innovation leaders in the Mortgage industry: Suha Zehl, Brooke Anderson Thompkins, and Dana Georgiou.

In this episode, our hosts debriefed on an in-depth, content-heavy discussion streamed live from the MBA Annual conference in Las Vegas, NV.

To register for the live Future Proof webinars, download past episodes, and hear all of the discussions, visit PraxisLendingSolutions.com/FutureProof.

About Our Hosts:

Melissa Langdale is the founder and CEO of Praxis Lending Solutions, a premier consulting firm focused on improving the operational efficiency and effectiveness for mortgage lenders. As an experienced mortgage industry veteran, she brings a unique approach to solving problems for her clients.

If you’re interested in connecting with Melissa to discover how Praxis can help restructure and refine your Operational workflow, connect with her at PraxisLendingSolutions.com.

James Duncan is the founder and Chief Marketing Strategist of Caelum Advisers. As the former Head of Marketing for more than a decade, James launched Caelum Advisers with the mission of transforming the perception of what great marketing strategy looks like in the mortgage industry.

If you are a founder, executive, or head of marketing and want to find out how to tell a more compelling story and connect with your ideal client, visit CaelumAdvisers.com.

Send us a text

If perfection is the enemy of done, then "perfect data" is the enemy of execution. Success in the mortgage industry is won by those leaders capable of making data-driven decisions quickly. In today's episode of the Future Proof podcast, James & Melissa discuss their interview with Sue Woddard and Jeff Walton on the importance of getting your data house in order.

To register for the live Future Proof webinars, download past episodes, and hear all of the discussions, visit PraxisLendingSolutions.com/FutureProof.

About Our Hosts:

Melissa Langdale is the founder and CEO of Praxis Lending Solutions, a premier consulting firm focused on improving the operational efficiency and effectiveness for mortgage lenders. As an experienced mortgage industry veteran, she brings a unique approach to solving problems for her clients.

If you’re interested in connecting with Melissa to discover how Praxis can help restructure and refine your Operational workflow, connect with her at PraxisLendingSolutions.com.

James Duncan is the founder and Chief Marketing Strategist of Caelum Advisers. As the former Head of Marketing for more than a decade, James launched Caelum Advisers with the mission of transforming the perception of what great marketing strategy looks like in the mortgage industry.

If you are a founder, executive, or head of marketing and want to find out how to tell a more compelling story and connect with your ideal client, visit CaelumAdvisers.com.

Send us a text

Most loan programs are not differentiators. Every lender has the basics (conventional, govie, etc.). But smart lenders know how to leverage specialty products that well suited for borrowers with unique financial situations.

In our most recent episode of the Future Proof series, Melissa and James debrief the conversation between our host and Paul Gigliotti, CGO for Prudent AI and Cole Bestgen, CEO of Arcasa to discuss the Mortgage Products which are shaping the futtture of the Real Estate industry.

To register for the live Future Proof webinars, download past episodes, and hear all of the discussions, visit PraxisLendingSolutions.com/FutureProof.

About Our Hosts:

Melissa Langdale is the founder and CEO of Praxis Lending Solutions, a premier consulting firm focused on improving the operational efficiency and effectiveness for mortgage lenders. As an experienced mortgage industry veteran, she brings a unique approach to solving problems for her clients.

If you’re interested in connecting with Melissa to discover how Praxis can help restructure and refine your Operational workflow, connect with her at PraxisLendingSolutions.com.

James Duncan is the founder and Chief Marketing Strategist of Caelum Advisers. As the former Head of Marketing for more than a decade, James launched Caelum Advisers with the mission of transforming the perception of what great marketing strategy looks like in the mortgage industry.

If you are a founder, executive, or head of marketing and want to find out how to tell a more compelling story and connect with your ideal client, visit CaelumAdvisers.com.

Send us a text

There are foundational principles every business needs to be successful. While technology and terminology continually evolves, the principles don't. In today's episode, Melissa and James recap our interview with Jemma Pachiano and Andrew Panagos to uncover how technology (specifically AI) is transforming the roles within the mortgage industry to eliminate redundancy and inefficiency. But is it really solving the most critical problems we face in serving our clients?

Tune in to hear a detailed breakdown of the highlights from our most recent webinar from the "Future Proof Webinar" series

To register for the live Future Proof webinars, download past episodes, and hear all of the discussions, visit PraxisLendingSolutions.com/FutureProof.

About Our Hosts:

Melissa Langdale is the founder and CEO of Praxis Lending Solutions, a premier consulting firm focused on improving the operational efficiency and effectiveness for mortgage lenders. As an experienced mortgage industry veteran, she brings a unique approach to solving problems for her clients.

If you’re interested in connecting with Melissa to discover how Praxis can help restructure and refine your Operational workflow, connect with her at PraxisLendingSolutions.com.

James Duncan is the founder and Chief Marketing Strategist of Caelum Advisers. As the former Head of Marketing for more than a decade, James launched Caelum Advisers with the mission of transforming the perception of what great marketing strategy looks like in the mortgage industry.

If you are a founder, executive, or head of marketing and want to find out how to tell a more compelling story and connect with your ideal client, visit CaelumAdvisers.com.