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MortgagePoint » Your Trusted Source for Mortgage Banking and Servicing News 2 November 2025 F R O M T H E E D I T O R 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 REPORTER Demetria C. Lester MAGAZINE CONTRIBUTORS Phil Britt, Tom Davis, Alexander T. Dowding, Andy Beth Miller, Den Shewman, Franco Terango, Rachel Williams COPY EDITOR Brandy Scott ADVERTISING 214.525.6700 2025 EDITORIAL ADVISORY BOARD Daren Blomquist, VP of Market Economics, Auction.com Michael Keaton, SVP, Subservicing Business Development, Onity Group Inc. Michael Merritt, SVP, Customer Care & 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 Kevin Bowen, Head of Home Lending Product & Innovation, JPMorgan Chase & Co. Benjamin Gottheim, VP, Servicing Policy, Single- Family Portfolio & Servicing, Freddie Mac LaQuanda Sain, EVP of Servicing, Rocket Mortgage Jake Williamson, SVP of Single-Family Collateral & Quality 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. HEADING INTO THE "YEAR OF THE RESET?" A s we enter the closing months of 2025, this edition of MortgagePoint is packed with content looking back at the year coming to a close and ahead to the next one. For this month's cover story, we spoke to a panel of economists and subject-matter experts about this this year's trends and what they expect for 2026. With rates easing and affordability still out of reach for millions, housing enters 2026 in slow motion, testing the patience, adaptability, and strategy of every market participant. The experts featured in this issue agree: the coming year will test resilience as much as strategy. It's a time for measured optimism, careful risk management, and long-term thinking. Check out the cover story for insights from experts representing Cotality, CJ Patrick Company, the Council of Federal Home Loan Banks, First American Financial Corporation, and the Mortgage Bankers Association. Here's what else you can find inside this November edition: • Freedom Mortgage CEO Stanley Middleman discusses why 2026 could bring renewed opportunity, how AI could upend interest rates, and why complacency may be the mortgage industry's biggest risk. • MortgagePoint shares insights from the 2025 Women in Housing Leadership Award recipients to discuss their proudest achievements, mentors who inspired them, and advice for the next generation of industry leaders. • "How Tough Conversations Help Loan Officers Reach Their Full Potential" by Franco Terango, CEO of Certainty Home Lending. • "New Growth Ahead: Tapping into Home Equity and Non-QM Syner- gies" by Tom Davis, Chief Sales Officer of Deephaven Mortgage. • "Bankruptcy, Bots & Bias: AI's Emerging Role in Chapter 13 Manage- ment" by Alexander T. Dowding, Esq. of Kass Shuler, P.A. Welcome to the November edition of MortgagePoint magazine.