Kenon Chen, Clear Capital’s EVP of Strategy and Growth, joins the show for a round-robin discussion of the housing headlines, including FHFA Director Bill Pulte’s surprise announcement that Fannie and Freddie would now accept VantageScore for mortgage underwriting. It’s a big swing for the fences, but will it help more people qualify to be homeowners? Jonathan remains dubious, stating, “We won’t see any big swings be successful until we break the monopoly of the Fannie and Freddie world.” The trio discuss other ways the status quo is being disrupted, including Clear Capital’s use of AI for appraisals - and appraisal waivers - to make the home-closing process cheaper and faster.

Whether you’re a housing professional or simply care about the future of where we live, Housing Insiders delivers the smart, candid conversations you won’t hear anywhere else - plus practical ideas for shaping a more accessible, resilient housing ecosystem. Don’t miss this episode, and subscribe for more expert insights and actionable solutions.

Email Podcast@TheHousingInsiders.com with any questions or comments and Subscribe to Housing Insiders on your favorite podcast platform.

This episode is brought to you by Saul Ewing.

Consumer financial services companies face a constant onslaught of litigation and risk arising from a multitude of federal and state consumer protection laws. They also contend with enforcement actions from federal and state regulators and agencies. Navigating these obstacles while managing legal costs in today’s crowded and shifting market presents unique challenges for these institutions. Attorneys in Saul Ewing's Consumer Financial Services Litigation Practice are sensitive to these challenges and provide their clients with practical, industry-specific advice and counsel. To learn more, go to Saul.com/Capabilities

Saul Ewing Partners Trip Riley & Jason McElroy are the perfect guests to shed light on the current regulatory ambiguity in the housing and mortgage market. Their expertise spans mortgage origination and servicing, regulatory counseling, compliance auditing, and litigation defense. On this episode, Riley and McElroy emphasize the challenges posed by the federal government stepping back, with states filling the void and creating a patchwork of rules that may complicate compliance for national lenders and servicers. Tune in for a nuanced look at the complex, shifting terrain of mortgage regulation, with practical advice for industry participants: focus on compliance with current rules, engage proactively with state regulators, and advocate for clear, consistent federal standards.

Whether you’re a housing professional or simply care about the future of where we live, Housing Insiders delivers the smart, candid conversations you won’t hear anywhere else - plus practical ideas for shaping a more accessible, resilient housing ecosystem. Don’t miss this episode, and subscribe for more expert insights and actionable solutions.

Email Podcast@TheHousingInsiders.com with any questions or comments and Subscribe to Housing Insiders on your favorite podcast platform.

This episode is brought to you by Saul Ewing.

Consumer financial services companies face a constant onslaught of litigation and risk arising from a multitude of federal and state consumer protection laws. They also contend with enforcement actions from federal and state regulators and agencies. Navigating these obstacles while managing legal costs in today’s crowded and shifting market presents unique challenges for these institutions. Attorneys in Saul Ewing's Consumer Financial Services Litigation Practice are sensitive to these challenges and provide their clients with practical, industry-specific advice and counsel. To learn more, go to Saul.com/Capabilities

Former Rocket Mortgage CEO Bob Walters spent 28 years transforming the company from a small regional brokerage into the country’s largest mortgage lender. Walters joins Housing Insiders to share what he learned along the way from Rocket Founder Dan Gilbert and how their work simplifying and democratizing complex lending processes made Rocket a leader in digital mortgage solutions. On this episode, Walters talks about the next frontier in digital lending, sharing why he believes the mortgage industry is an ideal candidate for AI disruption, and warning that companies not using it “at scale and deeply” will be “smoked by those who do.”

Whether you’re a housing professional or simply care about the future of where we live, Housing Insiders delivers the smart, candid conversations you won’t hear anywhere else - plus practical ideas for shaping a more accessible, resilient housing ecosystem. Don’t miss this episode, and subscribe for more expert insights and actionable solutions.

Email Podcast@TheHousingInsiders.com with any questions or comments and Subscribe to Housing Insiders on your favorite podcast platform. This episode is brought to you by Saul Ewing