Shows
What the MEpisode 51 - A Fireside Chat with Kent and SteveFor the 51st episode of What the M, Kent and Steve have a "fireside chat" about the economy, current regulatory conditions… and whether you should use ChatGPT for your March Madness bracket! Listen on for up-to-the-moment updates about the default servicing industry. Steve Hladik is a Partner at Hladik, Onorato, and Federman, LLP. He received his undergraduate degree from Penn State University (Let’s Go State!), before going on to Widener University for law school, where he graduated with honors. Upon graduation, Steve went to work for the Pennsylvania Attorney General’s Bureau of Consumer Protection, handling UDAP, F...2025-03-2134 minWhat the MEpisode 50 - Walter Mullen & Michael KeatonThe 50th episode of “What the M” features Walter Mullen and Michael Keaton from Onity Group, Inc.This episode focuses on the changes taking place on a state and federal level within the default servicing industry, the record-high credit debt and auto loan defaults that Americans currently face, and the use of technology within the industry. We are extremely fortunate to have Walt and Michael as our guests this week, as they have an enormous amount of experience with, and insight into, the current state of the default servicing industry. Walt Mullen has over 25 years exper...2025-03-0736 minWhat the MEpisode 49 - Michael Merritt ReturnsThe 49th episode of “What the M” features the return of Michael Merritt, Senior Vice President of Customer Care and Default Mortgage Servicing at BOK Financial.This time around on "What the M," Michael is here to share his thoughts on the topic of AI in the servicing industry. Michael is the Senior Vice President of Customer Care and Default Mortgage Servicing at BOK Financial. Michael attended Arizona State University, where he got his BA in Organizational Leadership (Go Sun Devils!) He then received his MBA from Texas Tech and his Master’s Degree in Legal Studies from Te...2025-02-2142 minWhat the MEpisode 48 - Dusten HendricksonThe 48th episode of “What the M” features Dusten Hendrickson, Founder and CEO of Mailbox Money. Mailbox Money specializes in transforming real estate development through strategic land selection, wellness-focused design, and innovative project leadership. Dusten’s expertise extends to real estate syndication, working closely with partners to structure impactful, high-yield opportunities for investors. He is deeply committed to addressing the affordable housing crisis by developing sustainable, high-quality housing solutions that meet the needs of diverse communities. This episode focuses on the critical issue of the nation’s housing shortage, and what steps and initiatives can and are be...2025-01-3129 minWhat the MEpisode 47 - Ty MillerThe 47th episode of “What the M” features Ty Miller, Managing Director at Annaly Capital Management. Ty graduated from Missouri State University (Go Bears!) with a BS in Psychology and Management. He has held executive leadership roles in operations management, sales leadership, and default administration. Before going to work for Annaly Capital, he spent more than a decade as Vice President of Servicer Performance and Relationship Management at Federal Home Loan Mortgage Corporation (FHLMC). Ty’s 28-year history in the mortgage default servicing industry has given him invaluable insights into the industry, which we are very gra...2025-01-1732 minWhat the MEpisode 46 - The Year in ReviewThe 46th episode of “What the M” features Kent McPhail and Stephen Hladik with a year-end wrap up of 2024. Check it out to find out what happened (and didn't happen!) in the default servicing industry in 2024, and what Kent and Steve predict is next to come in 2025! ***************************************************A huge thank you to our Season 3 sponsor, Black Dome Services. Black Dome Services is a next-generation property services provider, offering a comprehensive range of services tailored to the unique needs of their clients. From property inspections, preservation, maintenance, renovations and various other interior and exterior proper...2024-12-2719 minWhat the MEpisode 45 - Jenny Lee and Matt WatsonThe 45th episode of “What the M” features Matt Watson, President of LegalFee Consultants, LLC and Jenny Lee, Senior Consultant for LegalFee Consultants, LLC. Today’s episode is about a challenge many law firms face daily: the managing of their invoicing processes, hidden costs of inefficiencies in those processes, and how their companies seek to unlock revenue for firms through smarter billing practices. Both Matt and Jenny have been in the mortgage servicing industry for more than 20 years and have worked in all aspects of the business, from loan production to law firms to servicers. Their exp...2024-12-0723 minWhat the MEpisode 44 - Matt ReillyThe 44th episode of “What the M” features Matt Reilly, Business Development Specialist at Stonecrest Financial.Matt received his Bachelor of Science in Architecture. He moved into the mortgage industry working with Empire Mortgage, Inc. Since 2009, he has been with Stonecrest Financial, where he works in an alternative investment group and asset management, focused on real estate lending and distressed acquisition funds. He is the head of the loan acquisition group and currently sources deals for their lending group. Matt is well-versed in dealing with hard-to-manage assets, and has a proven track record of obtaining posit...2024-11-2230 minWhat the MEpisode 43 - James LeeThe 43rd episode of “What the M” features James "Jim" Lee, President and CEO of Susquehanna Polling & Research, Inc. and Owner of the Bartlett Group. Susquehanna Polling and Research (SP&R) is a nationally recognized survey, research, and polling firm headquartered in Pennsylvania. Founded in 2000, SP&R includes a team of research associates with more than 50 years of combined experience, including telephone agents, focus group recruiters and other consultants. SP&R specializes in a full range of research services for businesses and state agencies, national and state trade associations, hospitals and health systems, candidates for public office and me...2024-11-0435 minWhat the MEpisode 42 - Gary SeitzThe 42nd episode of “What the M” features Gary Seitz, Chapter 7 Panel Trustee in the United States Bankruptcy Court for the Eastern District of Pennsylvania. Gary graduated with his J.D. from the University of Iowa College of Law in 1986. While obtaining his law degree, he studied at the Shanghai Law Research Institute in the Peoples Republic of China and the Betham House Faculty of Laws of the University of London. Gary then obtained his Master’s Degree in Admiralty and Maritime Law from Tulane University. Gary has extensive experience in the handling of bankruptcy matters...2024-10-2137 minWhat the MEpisode 41 - Making a Difference: A Lifetime of Inspiring MentorsThe 41st episode of “What the M” features Kent McPhail, Senior Partner of McPhail Sanchez, LLC.In celebration of the 30th anniversary of Kent’s law firm, McPhail Sanchez, What the M co-host Stephen Hladik interviewed Kent about his mentors, motivation, and milestones. Listen in to hear about the family, friends, teachers, and colleagues whose life lessons have inspired Kent and truly made a difference. This is an episode you won’t want to miss! ***************************************************A huge thank you to our Season 3 sponsor, Black Dome Services. Black Dome Services is a next-generation property services...2024-10-0133 minWhat the MEpisode 40 - Rick Sharga & Daren Blomquist ReturnThe 40th episode of “What the M” features the return of Rick Sharga and Daren Blomquist.In the first 2 seasons of What the M, Kent and Steve were fortunate enough to interview an incredible roster of talented professionals about their insights and predictions for the default servicing industry. To kick off season 3, they have brought in two experts to talk about economics and housing trends: are home prices starting to decline? What are the current trends at foreclosure bidding sales? And the biggest question of all- how will the November 2024 election affect these trends? Rick Sharg...2024-09-1351 min
What the MEpisode 39 - The Last Question (Season 2 finale)The 39th episode of “What the M” features ALL of our wonderful season two guests!Welcome to the season 2 finale of What the M! This season, Kent and Steve have interviewed amazing, thoughtful, and brilliant guests. Each guest has been uniquely qualified to speak about different aspects of the default servicing industry, and has provided valuable information to What the M’s listeners. Each guest is unique, but they all have one thing in common: they all got to answer “The Last Question.” At the end of each episode, Kent and Steve ask their guest...2024-07-0528 minWhat the MEpisode 38 - Jodi GainesThe 38th episode of “What the M” features Jodi Gaines, Chief Executive Officer at Claims Recovery Financial Services (CRFS). Jodi began her career as an insurance claims clerk at Anchor Mortgage Services in 1989, where she became enamored with the mortgage servicing industry. In 2002, she created CRFS- a company which has since grown to over 600 employees- at her kitchen table. In 2019, Jodi left CRFS to work on other initiatives, including joining the New York MBA and working her way through the ranks of the Executive Board up to President. She has since returned to her role at CRFS as Ow...2024-06-2433 minWhat the MEpisode 37 - Joe Culver & Jeff PinardThe 37th episode of “What the M” features Joe Culver and Jeff Pinard. This week, we zigged instead of zagged! Typically, What the M does not focus episodes on state-specific issues; however, the current regulatory environment in New York merits a departure from our usual format. In this episode, we address the current legislative impact on statutes of limitation, the overall foreclosure environment, pending legislation and its impact on the mortgage marketplace, and lastly the New York Mortgage Bankers Association’s role in addressing all of the above. We are fortunate to have two guests who are u...2024-05-3031 minWhat the MEpisode 36 - Steve PatonThe 36th episode of “What the M” features Steve Paton, CEO of Universal Component Lender Services (UCLS). Steve has a Bachelors of Science in Business Administration and Finance from Sacramento State University. He has held senior leadership positions at JP Morgan Chase, Marix Servicing, Carrington Mortgage Services, and SingleSource Property Solutions. He then founded Distinguished Mortgage Services before moving to his current position as Chief Executive Officer of UCLS. Steve’s 30+ years in the default servicing industry has given him invaluable insight into the complexity and gravity of servicers’ responsibilities, and he is graciously sharing that insig...2024-05-1035 minWhat the MEpisode 35 - Cesar HernandezThe 35th episode of “What the M” features Cesar Hernandez, CEO of Agility 360. Cesar received his Bachelor of Science from the Wharton School of Business at the University of Pennsylvania, and has now been in the mortgage and default servicing industry for nearly three decades. He began his career as an Asset Manager at Goldman Sachs. He then became the Chief Administrative Officer and Board Member at Wingspan Portfolio Advisors, where his functions and responsibilities included corporate development, client management, vendor management, compliance, operational efficiency, and corporate financial planning and forecasting. Cesar also has extensive experience deploying and m...2024-04-2937 minWhat the MEpisode 34 - Courtney ThompsonThe 34th episode of “What the M” features Courtney Thompson, Executive Vice President and Head of Servicing at CMG Financial. Courtney has a BA from Western Michigan University and a JD from Michigan State University. She began her career at Maddin Hauser Roth & Heller, PC. She has been in the mortgage and default servicing industry for over 19 years and was the SVP of Servicing at Flagstar Bank and the Chief Product Officer at Sagent. She then founded Consigliera, a consulting firm for default servicers. A true innovator and self-confessed “participator,” Courtney is committed to developing large-scale...2024-04-1237 minWhat the MEpisode 33 - Rick HicksThe 33rd episode of “What the M” features Renardo “Rick” Hicks from Eckert Seamans, LLC. Rick received his BA in Government from Hamilton College, his JD from Northeastern University, his LLM from Temple University. Rick also holds honorary Doctorate degrees from Allen University, Central Pennsylvania College, Morris Brown College, and Turner Theological Seminary.Prior to joining Eckert Seamans, Rick served as Chief Counsel at the Pennsylvania Public Utility Commission, a role in which he served as advisory and enforcement legal counsel involving gas, electric, telephone and water utilities in state and federal courts and agencies. He also m...2024-03-2938 minWhat the MEpisode 32 - Mark CalabriaThe 32nd episode of “What the M” features Mark Calabria. Mark is an author, advisor, economist, and the former Director of the Federal Housing Finance Agency (FHFA). Mark received his BA in Economics, as well as his PHD in Economics, from George Mason University. He then worked as a Senior Staff Member for the Senate Committee on Banking, Housing and Urban Affairs. From 2009 to 2017, he was the Director of Financial Regulation Studies at the Cato Institute. From 2017 through 2019, he was the Chief Economist to the Vice President of the United States. In 2019, he became the Director of the F...2024-03-1539 minWhat the MEpisode 31 - Jason MyersThe 31st episode of “What the M” features Jason Myers, Vice President of Business Development at MCS (Making Communities Shine). MCS is a nationwide property services provider working across commercial properties, single-family rentals, and the property preservation industry. Jason received his BS in Advertising and Public Relations from Texas Christian University (Go Horned Frogs!) and began his career at Pulte Homes, where he worked in marketing. From there, he moved on to the Five Star Institute, where he remained for more than 14 years and rose to Senior Vice President and National Director of Sales. He is pre...2024-03-0131 minWhat the MEpisode 30 - Judge Annette RizzoThe 30th episode of “What the M” features the Honorable Annette M. Rizzo. Judge Rizzo was gracious enough to drop by to discuss mortgage foreclosure mediation programs, how the model was developed for courts, the success rates seen by these programs, and how the model program spread throughout the United States.Judge Rizzo served as a Judge in the First Judicial District of the Commonwealth of Pennsylvania for 16 years, with the majority of that time spent in the Civil Major Jury Trial Program. Prior to her tenure on the bench, she worked in both the publi...2024-02-1651 minWhat the MEpisode 29 - Bankruptcy with Brooke Sanchez Part 2The 29th episode of “What the M” features Brooke Sanchez, Managing Partner of McPhail Sanchez, LLC.With Kent out of the office, his law partner, Brooke Sanchez (literally) stepped up to the mic! Brooke is not only the Managing Partner of McPhail Sanchez, LLC, she is also the firm’s Managing Bankruptcy Attorney. Naturally, Steve was eager to pick her brain about current bankruptcy trends, rule changes, and more! Brooke received her undergraduate degree from the University of South Alabama (Go Jags!) and her JD from Cumberland School of Law. Brooke represented debtors in consumer bankrup...2024-02-0225 minWhat the MEpisode 28 - Erik QualmanThe 28th episode of “What the M” features internationally renowned author and speaker Erik Qualman.Erik stopped by “What the M” to discuss his latest book, The Focus Project, and how it can help leaders, lawyers, and anyone else who struggles with prioritizing their to-do list!Erik has written numerous other books including Socialnomics, Digital Leader, and What Happens in Vegas Stays on Youtube. His Socialnomics work has been featured on 60 Minutes and has been used by the National Guard and NASA. He is a former sitting professor at Harvard & MIT’s edX labs, and is current...2024-01-1931 minWhat the MEpisode 27 - Jesse RandallThe 27th episode of “What the M” features Jesse Randall, COO of Black Dome Services, LLC. This episode focuses on the topic of property preservation in relation to mortgage servicing industry, as well as its interplay with handling defaulted mortgages. Since Black Dome is one of the fastest-growing property preservation companies in the country, Jesse was the perfect person to interview! Jesse attended Stephen F. Austin University where he studied Political Science and Economics. He has held numerous roles within the niche market of property preservation and default mortgage solutions. With executive leadership positions at mortga...2024-01-0520 minWhat the MEpisode 26 - Happy HolidaysThe 26th episode of “What the M” features Kent McPhail. Happy Holidays from all of us here at What the M! Steve is a little under the weather this week, but he and Kent both wanted to send this message out to thank the listeners for all of your support, and to wish you a very happy and safe holiday season! *************************************************A huge thank you to our Season 2 sponsor, Guardian Asset Management -Guardian Asset Management is *the* one-stop shop for lenders, servicers, hedge funds, residential and commercial property investors, and govern...2023-12-2201 minWhat the MEpisode 25 - Allen ChapmanThe 25th episode of “What the M” features Allen Chapman, Executive Vice President with Hub International. HUB International is a leading insurance brokerage company that provides employee benefits, business, and personal insurance products and services. Allen graduated from the University of Southern Mississippi (Go, Golden Eagles!) where he received his BS in recreational therapy. Allen has been in the insurance industry for over 23 years, so he was a perfect choice to discuss this week’s topic- the many factors in the insurance industry that are dramatically affecting the cost, and, in many cases, the availability of homeowner coverag...2023-12-0724 minWhat the MEpisode 24 - ThanksgivingThe 24th episode of “What the M” features Emily Chavarriaga, Jackie Vazquez, and Rosalie Escobedo.Happy Thanksgiving from What the M! Kent and Steve wanted to drop in and thank all of the listeners for your support. It's been a great first year for the podcast and we look forward to many more! For this week's holiday episode, Kent and Steve flash back to one of What the M's most popular episodes from Season 1 - "Latinas in Power." The Latinas in Power ("LIP") include Emily Chavarriaga, Jackie Vazquez, and Rosalie Escobedo. You won’t want t...2023-11-2432 minWhat the MEpisode 23 - Daren BlomquistThe 23rd episode of “What the M” features Daren Blomquist, Vice President of Market Economics at Auction.com. Daren began his career as a reporter for the Daily News Tribune, where he focused on county government and courts. He then moved on to Realty Trac, where he rose from Customer Service Representative to Director of Marketing Communications, focusing on mortgage trends nationwide. In 2012, he became Senior Vice President of Communications at ATTOM Data Solutions and reported on housing trends, cash and investor purchases, housing risks, default trends, and more. Daren’s reports have been cited by thous...2023-11-1030 minWhat the MEpisode 22 - Alicia StewartThe 22nd episode of “What the M” features Alicia Stewart, Assistant Vice President at BSI Financial Services.Alicia has over 20 years of experience in the default servicing industry. She began her career as an AVP with Fay Servicing. She then worked for Penny Mac Loan Services as a Business Analyst. From there, she became an AVP of Default Operations for Rushmore Loan Management Service, before taking over as an AVP at BSI Financial Services. At BSI, she is the leader of their non-agency default team, with responsibilities including BSI’s foreclosure, bankruptcy and property preservation processes. Alicia...2023-10-2730 minWhat the MEpisode 21 - Michael MerrittThe 21st episode of “What the M” features Michael Merritt, Senior Vice President of Customer Care and Default Mortgage Servicing at BOK Financial.Michael attended Arizona State University, where he got his BA in Organizational Leadership (Go Sun Devils!) He then received his MBA from Texas Tech and his Master’s Degree in Legal Studies from Texas A&M. Michael worked at Nationstar Mortgage and Goldman Sachs prior to moving over to BOK. Having been in the mortgage servicing industry for over two decades, Michael has valuable insight to share on the benefits and drawbacks of remote work cu...2023-10-1327 minWhat the MEpisode 20 - Rick Sharga ReturnsThe 20th episode of “What the M” features the return of Rick Sharga.Welcome to Season 2 of What the M! Last season, we were fortunate enough to interview an incredible roster of talented professionals about their insights and predictions for the default servicing industry. We wanted to kick off our new season by looking back at where the industry was a year ago versus where it is today. As one of the country’s most frequently-quoted sources on real estate, mortgage, and foreclosure trends, Rick Sharga was the natural choice to help us do so! Rick is...2023-09-2942 minWhat the MEpisode 19 - Marilyn LylesThe 19th episode of “What the M” features Marilyn Lyles, Assistant Attorney General of the Poarch Band of Creek Indians.Did you miss us? Kent and Steve *were* taking a brief summer hiatus before Season 2 of “What the M” drops in September. But when a fascinating U.S. Supreme Court decision was issued, Kent and Steve couldn’t wait that long to talk about it with you! In this case, Lac du Flambeau Band of Lake Superior Chippewa Indians v. Coughlin, the Court departed from prior law and abrogated the Tribe’s sovereign immunity in bankruptcy co...2023-07-0717 minWhat the MEpisode 18 - The Last Question (Season 1 Finale)The 18th episode of “What the M” features ALL of our wonderful season one guests!Welcome to the season finale of What the M! You won’t want to miss this episode. Since the podcast began in September 2022, Kent and Steve have interviewed amazing, thoughtful, and brilliant guests. Every season 1 guest has been uniquely qualified to speak about different aspects of the default servicing industry, and has provided valuable information to What the M’s listeners. Each guest is unique, but they all have one thing in common: they all got to answer “The Last Question.”...2023-05-2627 minWhat the MEpisode 17 - Latinas in PowerThe 17th episode of “What the M” features Emily Chavarriaga, Jackie Vazquez, and Rosalie Escobedo. Kent and Steve returned to the faithfully commerce-driven city of Dallas, TX in anticipation of the Legal League Servicer Summit. While there, Kent met with the Latinas in Power ("LIP") for a fun evening of dinner and fantastic conversation and camaraderie, recording the podcast the next morning with Steve and a few of the LIP ladies: Emily Chavarriaga, Jackie Vazquez, and Rosalie Escobedo. Emily Chavarriaga currently works as a product manager at Mr. Cooper and previously worked in various default roles...2023-05-1230 minWhat the MEpisode 16 - Bankruptcy with Brooke SanchezThe 16th episode of “What the M” features Brooke Sanchez, Managing Partner of McPhail Sanchez, LLC. In advance of next week’s Legal League Annual Spring Summit, Kent and Steve decided that an interview with one of Legal League’s rising stars, Brooke Sanchez, was in order! Brooke received her undergraduate degree from the University of South Alabama (Go Jags!) and her JD from Cumberland School of Law. Brooke represented debtors in consumer bankruptcy for more than ten years before joining Kent’s firm in 2018, shifting her focus to creditor representation. She is now a named Partne...2023-04-2819 minWhat the MEpisode 15 - Toniqua GreenThe 15th episode of “What the M” features Toniqua Green, Vice President of Corporate Social Responsibility at Mr. Cooper. Mr. Cooper prides itself on challenging the loan servicing status quo – so as an industry innovator, Toniqua is right at home there!Toniqua attended Roberts Wesleyan College, where she received her Bachelors Degree in organizational management. She then earned her Masters Degree in Education from University of Phoenix. Toniqua began her career in the default servicing industry sixteen years ago. In her role as VP of Social Responsibility, she currently oversees Mr. Cooper’s Diversi...2023-04-0724 minWhat the MEpisode 14 - Jerry MavelliaThe 14th episode of “What the M” features Jerry Mavellia, CEO of Guardian Asset Management Inc. Founded in 2007, Guardian has successfully managed and protected valuable assets for the US Department of Housing and Urban Development, federal, state, local government agencies, and private mortgage banks. Guardian is a passionate, forward-thinking preservation service organization specializing in timely conveyance and REO sales for the forward and reverse mortgage industry. With Jerry’s extensive background in finance and real estate, and his vision and passion for the industry, he and Guardian are a perfect fit! Jerry has a BS from For...2023-03-2418 minWhat the MEpisode 13 - Dave Van HornThe 13th episode of “What the M” features Dave Van Horn, Executive Chairman of PPR Capital Management. After attending West Chester University of Pennsylvania (Go Golden Rams!), Dave got together with a couple of friends, started an entity, and grew it into a juggernaut within the mortgage and note-buying industry. PPR is now a financial services firm that primarily assists private equity funds investing in distressed residential mortgages throughout the United States, and provides top-tier business services in the areas of asset acquisitions & analytics, borrower management, document management, and client relations.In addition to his 35 years...2023-03-1022 minWhat the MEpisode 12 - Gina DayaThe 12th episode of “What the M” features Gina Daya, VP of Operations at Hello Solutions. Since 2017, Hello Solutions has made a name for itself in the default servicing industry by creating meaningful business partnerships between law firms, servicers, and investors who are dedicated to default servicing excellence. After graduating from De Paul University (and playing goalie for their soccer team- Go Blue Demons!), Gina began working in the legal field in 2009. By the time she came on with Hello Solutions in 2022, she had done it all, working for servicers and law firms in bankruptcy, foreclosure, and c...2023-02-2407 minWhat the MEpisode 11 - A Conversation with KentThe 11th episode of “What the M” features an interview with Kent McPhail himself! Kent is the Founder and Managing Partner of McPhail Sanchez, LLC. He received his undergraduate degree from the University of Southern Mississippi (To the Top!) and his Juris Doctorate from the University of Mississippi School of Law. Upon graduation, Kent worked as in-house counsel with Blue Cross and Blue Shield of Mississippi. After settling in Mobile, Alabama, Kent practiced with a private creditor law firm for three years. This led him to open his own default servicing firm in 1994, which has been thriving ever...2023-02-1022 minWhat the MEpisode 10 - Rick ShargaThe 10th episode of “What the M” features Rick Sharga, Executive Vice President of Market Intelligence at ATTOM Data Solutions.ATTOM Data Solutions is a provider of comprehensive real estate data for companies in the mortgage, insurance, finance, and government markets. Rick is one of the country’s most frequently-quoted sources on real estate, mortgage, and foreclosure trends, and it’s easy to see why: he has more than 20 years of experience in the real estate and mortgage industries, previously serving in executive roles for Realty Trac, Carrington Mortgage Holdings, Ten-X, and Auction.com. He is also a foundi...2023-01-2730 minWhat the MEpisode 9 - John BellThe ninth episode of “What the M” features John Bell III, Executive Director of the Department of Veterans Affairs Home Loan Guaranty program.John Bell III attended Lambuth University in Jackson, Tennessee before spending more than 15 years in the private sector, including serving as the Vice President of VA Real Estate Management at Bank of America. John is a Navy Veteran who served in both the Gulf War and Operation Restore Hope. This background makes John uniquely suited for his current position, which is Executive Director of the Department of Veterans Affairs Home Loan Guaranty program. Since 1945, the VA...2023-01-1324 minWhat the MEpisode 8 - Stan MiddlemanThe eighth episode of “What the M” features Stanley C. Middleman, Founder and CEO of Freedom Mortgage, about his and his company’s incredible devotion to philanthropic work. One of the largest FHA and VA lenders in the country, Freedom formed “Team Freedom Cares,” (TFC) which focuses on providing support for underserved communities, in 2013. Since then, TFC has formed their now-famous “Rucksacks to Backpacks” campaign, provided over 14 million meals for Feeding America, and held dozens of yearly fundraisers for other worthy causes. For their tireless dedication to their community, TFC received the 2021 “Faces of Philanthropy” Award, bestowed by the Philadelphia Busin...2022-12-3018 minWhat the MEpisode 7 - All About Steve!The seventh episode of “What the M” features a special guest… Steve himself! Stephen Hladik is a partner at Hladik, Onorato, and Federman, LLP. He received his undergraduate degree from Penn State University (Let’s Go State!), before going on to Widener University for law school, where he graduated with honors. Upon graduation, Steve went to work for the Pennsylvania Attorney General’s Bureau of Consumer Protection, handling UDAP, FDCPA, RESPA, and TILA cases. This expertise in lending law enforcement led Steve to the default servicing industry, where he has been ever since! In his 30+ year career, Steve has...2022-12-1620 minWhat the MEpisode 6 - Amy NeumannThe sixth episode of “What the M” features Amy Neumann, FVP of Late-Stage Delinquency, Foreclosure, and Bankruptcy Operations at Flagstar Bank. Amy has a BS from Oakland University and a JD from Wayne State University Law School. She spent 12 years in private practice at Trott Law, where she was the Senior Managing Litigation Attorney. She then transitioned to the servicing side of the industry, where she has been for seven years. Having "crossed over the aisle," Amy has invaluable advice for law firms on what servicers love, what they don’t, and how the two can work...2022-12-0226 minWhat the MEpisode 5 - Marcel BryarThe fifth episode of “What the M” features Marcel Bryar, Founder and Managing Director of Mortgage Policy Advisors, LLC. Marcel earned a BA in history from Yale University and his Juris Doctorate from Yale Law School. Marcel is perhaps best known for leading the development and implementation of the Making Home Affordable program during his tenure as Vice President and Deputy General Counsel at Fannie Mae. He also served as a Senior Vice President at JP Morgan Chase, where he spearheaded the implementation of the National Mortgage Settlement. Marcel has more than 20 years of experience in mortgage opera...2022-11-1828 minWhat the MEpisode 4 - John DunneryThe fourth episode of “What the M” features John Dunnery, Vice President of Claims at Mr. Cooper.John has a BA from Boston University, a Master’s Degree from the University of Oklahoma, and a JD from the University of Tulsa. He has held senior loan servicing roles with Pacific Union Financial, JP Morgan Chase, Wachovia, and Community Loan Servicing, as well as serving as a Senior Director of NSO within Fannie Mae. His 24-year history in the default servicing industry has given him invaluable insight into the past, present, and future of the regulatory aspect of the fi...2022-11-0421 minWhat the MEpisode 3 - Larry GoldstoneThe third episode of “What the M” features Larry Goldstone, President of Capital Markets and Lending at BSI Financial Services. BSI is a loan servicer that endeavors to enable sustainable home ownership by practicing core values that embody doing what’s right, delivering on expectations, and winning with humility. Larry himself also embodies those values, as you will hear! Larry has a BA in Economics and an MBA, and his insight into the current financial market and the future of home ownership is truly invaluable. Welcome to What the M, Larry! 2022-10-2116 minWhat the MEpisode 2 - Jesse LoomisThe second episode of “What the M” features Jesse Loomis, the President and General Manager of Bid4Assets, Inc. Bid4Assets is a leading online auction site that assists county governments in conducting foreclosure and tax foreclosure auctions virtually. Bid4Assets pioneered virtual public auctions back in 2000 and has sold over 100,000 properties for county governments. Jesse is the leading industry expert on virtual public auctions and auction strategy, regularly lecturing at conferences, engaging with the media, and testifying before legislatures. He has both an undergraduate degree and MBA from the University of Maryland (“Go Big Ten!”)2022-10-0714 minWhat the MEpisode 1 - Nolan TurnerWe’ve saved the best… for first! The inaugural episode of “What the M” features Nolan Turner, Managing Director of Carrington Mortgage Holdings. In addition to being an experienced leader in the finance industry, Nolan has the distinction of being one of the most interesting people we’ve ever met. Nolan has played professional baseball, lived in an ashram in India, taught English in Guatemala, bartended in Australia, and much, much more! While traveling to 92 countries, Nolan also obtained his MBA and PhD and found his calling in the finance industry. He is now proud to call Carrington...2022-09-2316 minWhat the MEpisode 1 - What the M Trailer WHAT THE M?A PODCAST ABOUT MORTGAGE DEFAULT SERVICING Do you ever wonder who is behind the scenes collecting and processing all those monthly mortgage payments throughout the entire country? In the world of residential mortgages, the mortgage servicing industry is a critical but not always visible player in the lending and home ownership process. Unveiling how mortgage servicers manage the residential homeownership industry is the concept behind “What the M,” a new podcast that discusses the complex issues facing default services and the path forward for the mor...2022-09-0901 min