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111 Connecticut Planet Realty, LLC Sales@CTREOTEAM.com 203-982-4985 cell www.CTREOTEAM.com Security • Preservation • Disposition Steve Rivkin New York Prince & Associates Realty Group Serving Suffolk and Nassau Counties 631.252.9539 princeaar.com Angela Prince Distressed Property Real Estate Broker Florida Minority Certified Business MIAMI-DADE & BROWARD COUNTIES 786-499-6994 www.REOPitStop.com Luis@ContinentalRealtors.com RESNET ID: 106089 | Equator ID: 272261 Luis F. Guzman Broker/Owner California Handling REOs and Corporate Owned Assets for Over 25 Years Joyce Essex Harvey & Sean Freeman Coldwell Banker Residential Brokerage 310.720.9067 (c) 310.777.6375 (o) Joyce@EssexHarvey.com EssexHarvey.com Woman-Owned Business Serving Los Angeles County CalDRE#00935813/01366376 are starting to build these software capabilities directly into smartphones. Technology is moving so quickly, and I'm excited that it's becoming more scalable, easier to use, and less expensive. Technology innovations not only help us better manage risk, but ultimately a more digital property valuation process will help everyone in the mortgage ecosystem improve its part of the process and give borrowers a great experience. As technology advances, what are the challenges of integrating it into legacy systems, or making the decision to upgrade or replace those systems? at's a great question, and one, quite frankly, that I think everyone struggles with. Do you continue to invest in your older, legacy, and more foundational technology with minimum business value lift, or do you build around it with newer, more scalable platforms? e exciting thing about the cloud and the use of APIs is that it changes the data environment in a way that you don't necessarily have to continue to enhance the legacy technology as robustly as long as it is in the cloud and is available through APIs. Additionally, this type of set-up allows process improvements to be done more efficiently and in a less costly manner. It's sometimes a challenge to get your old systems onto the cloud, and to modify your old systems in a way that you can access them through APIs. But I think once you do that, this allows additional technology solutions to scale very quickly. What are the milestones and accomplishments you'd like your team to have hit by this time next year? I want us to be perceived as a team that focuses on process improvement, on the leading edge of technology, and as a partner to the many groups we work with to improve and innovate the mortgage and real estate processes. When we unfortunately have to acquire a property through foreclosure, I also want our team to be viewed as the best asset management company especially in how we preserve, rehab, and sell our properties, and protect and enhance their associated neighborhoods. When I look at our Collateral Risk teams, these types of potential milestones and accomplishments are very motivating, and our teams are up for the challenge. ADVERTISING INDEX 2020 Five Star Conference Page 48 2020 Legal League 100 Spring Servicer Summit Page 63 2020 Single-Family Rental Summit Page 46 American Mortgage Diversity Council Page 6 Black Book Photo Profiles Page 49-62 Black Book text listing Page 64-80 Continental Realtors Page 111 Convergence Page 1 DS News Pages 5, 11, 15, 89, 90, 95 Essex Harvey & Freeman Page 111 Five Star Global Page 31, 39 Five Star Government Forum Page 24 FORCE Page 81 Janeway Law Firm Inside Front Cover MReport Page 91 Padgett Law Group Back cover Planet Realty Page 111 Prince and Associates Realty Page 111 Provest Page 3 Shapiro and Brown Inside Back Cover Stower Realty Page 5 Top 25 Women of Law Pages 82-90

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