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MortgagePoint » Your Trusted Source for Mortgage Banking and Servicing News 2 December 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 SENIOR EDITOR Lance Murray REPORTER Demetria C. Lester MAGAZINE CONTRIBUTORS Phil Britt, Ryan Donovan, Andy Beth Miller, Dylan Montana, Jennifer Rogers, Den Shewman, Andrew Warren 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. THE EVOLVING WORLD OF PROPERTY PRESERVATION A new year is almost upon us, and this month's cover story features conversations with a panel of experts in property preservation, the business of maintaining vacant or distressed properties such as foreclosed homes to prevent vandalism, deterioration, and code violations. It's an industry that faces complex challenges in regulations and how much the companies are paid for their services. These pros keep the properties secure, safe, and market-ready by performing tasks such as debris removal, lawn care, removal, securing the property, winterizing pipes, and minor repairs. It's all to protect the property's investment value and to ensure neighborhood stability. The industry is under pressure, and its executives have to be resilient, embrace automation, and collaborate smarter to keep their operations ongoing. Here's what else you'll find in the December issue of MortgagePoint. Andrew Warren, the head of TD Bank's Community Development Lending vertical within the Commercial Real Estate group, examines how developers, financial institutions, and communities alike want innovative ways to bridge the gap between demand and supply in affordable housing. Dylan Montana, EVP of Capital Markets at Logan Finance, explains how non-QM loans have grown from a niche product to an important pathway for homeownership in an evolving market. Mastering non-QM has become a necessity for survival in an evolving market. In this op-ed, Ryan Donovan, President and CEO for the Council of Federal Home Loan Banks, writes about the Federal Home Loan Banks, a system of 11 regional, member-owned cooperatives that are privately capitalized and mission-driven. Their mission is providing stable, fully collateralized funding "that translates into homes built, small businesses launched, and communities strengthened." Jennifer Rogers, Founding Member and Managing Attorney of IDEA Law Group LLC, explains how mortgage default law firms are working smarter and staying compliant via the use of artificial intelligence. It's technology that is rapidly transforming the legal profession but has been met with some caution by many mortgage default firms. Welcome to the December 2025 issue of MortgagePoint magazine.