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MortgagePoint » Your Trusted Source for Mortgage Banking and Servicing News 2 May 2025 F R O M T H E E D I T O R David Wharton Editor-in-Chief Magazine EDITOR-IN-CHIEF David Wharton ART DIRECTOR Jason Stone MANAGING DIGITAL EDITOR Eric C. Peck REPORTER Demetria C. Lester MAGAZINE CONTRIBUTORS John Cady T. Robert Finlay Curtis R. Knuth COPY EDITOR Brandy Scott ADVERTISING 214.525.6700 EDITORIAL ADVISORY BOARD Daren Blomquist, VP of Market Economics, Auction.com Benjamin Gottheim, Director, Mortgage Servicing Policy, Freddie Mac Kevin Bowen, Head of Home Lending Product & Innovation, JPMorgan Chase & Co. Michael Keaton, SVP, Default Subservicing, Ocwen Jane Larkin, VP, Strategic Initiatives, VRM Mortgage Services Michael Merritt, SVP, Mortgage Default Servicing, BOK Financial Candace Russell, VP of Post-Sale Activities, Default Servicing, Carrington Mortgage Services, LLC Bryan Bolton, Chief Administrative Officer and SVP- Mortgage and Consumer Servicing, U.S. Bank Jacob Williamson, SVP Single-Family Collateral Risk Management, Fannie Mae Kim Yowell, EVP of Servicing, Fairway Independent Mortgage Servicing EXECUTIVE ADVISOR Michael S. Waldron CORPORATE OFFICERS PRESIDENT & CFO Jonathan Hughes ART DIRECTION Jordan Funderburk, Jason Stone No part of this publication may be reproduced without written permission from the publisher. © 2025 Five Star Global, LLC. All Rights Reserved 1341 W. Mockingbird Rd, Ste 900W Dallas, TX 75247 This publication is intended to provide accurate, authoritative, and detailed information in regard to the subject matter covered. All written materials are disseminated with the understanding that the publisher is not engaged in rendering legal advice or other professional services. Under no circumstance should the information contained herein be relied upon as legal advice as it is designed to be a source of information only. MortgagePoint strongly encourages the use of qualified attorneys or other qualified experts with regard to the subject matter covered. MortgagePoint does not guarantee the accuracy of the information and is not liable for any damages, losses, or other detriment that may result from the use of these materials. INVESTING IN THE NATION'S FUTURE I n this month's installment of MortgagePoint, we're focusing on the state of real estate investment. In addition to insights from several data scientists and economists, we've got exclusive interviews with Alex Hemani, Founder and CEO of Ninety9 Capital; David Howard, CEO of the National Rental Home Council; and Zach Lemaster, Founder and CEO of Rent to Retirement. This month's feature lineup kicks off with "Prepare Now to Avoid Operational Lag," in which John Cady of Citywide Home Mortgage explains that an uncertain market cycle is exactly when lenders should prepare for an inevitable rebound. Next up, Curtis R. Knuth, President and CEO of NCS/Service 1st, brings us "The Gig Is Up: Time for Lenders to Rethink Income Verifications." As more Americans generate income from multiple sources, new challenges are growing for lenders, as traditional underwriting models were not built for borrowers with varied or unpredictable income. In "Handling Insurance Claims From a Lender's Perspective," T. Robert Finlay Esq., Founding Partner of Wright, Finlay & Zak, discusses the importance for lenders in understanding their rights and obligations regarding insurance proceeds, and how to guide their clients in insurance-related matters. This issue, we're also debuting a new interview format with "Five Points." In the debut installment, Pierre Buhler, Managing Director at SSA & Company, outlines five critical forces reshaping the financial landscape—and what they signal for housing finance and the broader economy. Welcome to the May 2025 edition of MortgagePoint.