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» VISIT US ONLINE @ DSNEWS.COM 73 from the perspective of a peer, Tony's a loyal colleague and a good friend to people," Mathoda said. "ere's always a lot of dynamism wherever he goes, because he's one of those people who's always trying to create positive change." Being a good friend also means inspiring them to do the right thing and setting an example by holding yourself accountable to those high standards. According to Gavin Brady, SVP, Mr. Cooper, Ebers' ability to lead by example is paramount. "His honesty in directing people, being upfront, and really motivating them, is second to none in terms of setting bars, and also holding himself accountable," he said. Ebers' passion to do the right thing has been noticed across the industry. "Tony Ebers is a person who is always all-in. Tony sets his mission and goals, and then executes to success. If there's a hill to be taken, he was always front and center leading the charge," said Joseph Otting, Comptroller of the Currency. "Tony is one of the U.S. experts on residential mortgaging and servicing, and he uses his talents and skills to make homeownership available and affordable for all Americans." Today, Ebers believes that the industry must focus on some areas that are likely to play a larger role moving forward. One is the liquidity at Ginnie Mae that many bank and nonbank servicers are likely to take advantage of in the near future. e other is the equity in the market that is likely to soften the blow if another downturn does happen. "If you think about last time, it was just the lack of equity and people that weren't credit qualified to be in that loan," Ebers said. "But over the last 10 years, the ability to repay was critical, creating a lot of equity, especially home equity. ere may be a regional downturn, but it will be nothing like we experienced 10 years ago." What does he think about becoming the recipient of Five Star's 2019 Lifetime Achievement Award? "ere are so many brilliant minds in this industry and, quite honestly, you can't do it all by yourself," Ebers told DS News. "e great, smart people I've always worked with and those around me keep me motivated to face the next challenge head-on. But it's so humbling to receive this award. I'm excited and want to recognize it across all the people I've ever worked with as well, as that's what it's really all about." Radhika Ojha is a professional writer and editor specializing in the mortgage banking sector. She is a graduate of the University of Pune, India, where she received her B.A. in Commerce with a concentration in Account- ing and Marketing and an M.A. in Mass Communication. She is a former Online Edi- tor for DS News and MReport. " Tony Ebers is a person who is always all- in. Tony sets his mission and goals, and then executes to success. If there's a hill to be taken, he was always front and center leading the charge." —JOSEPH OTTING, 31ST COMPTROLLER OF THE CURRENCY

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