Presidential Posturing
Which housing issues should be top-of-mind for the nation's next commander-in-chief?
With Stephen Faulkner and Jose Garcia
«C O N T RI BU T O R S
level positions at a number of mortgage banking organizations. He served as president and COO of Vericrest Financial, was SVP of loss prevention at Saxon Mortgage where he led the servicer's early implementation of the Home Affordable Modification Program, and held SVP titles at Aurora Loan Services and Select Portfolio Servicing.
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Stephen Faulkner has spent more than 30 years in the mortgage industry. He is currently a partner with Operational Excellence, LLC (OpExNow), a boutique management consulting firm serving the mortgage banking industry, and is the firm's managing director of strategic business development. Prior to joining OpExNow, he held executive management-
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and social-demographics. Prior to working at NCLR, he was the associate director for the Economic Opportunity Program at Demos, where he authored dozens of reports on household debt, and co-authored the book Up to Our Eyeballs: How Shady Lenders and Failed Economic Policies are Drowning Americans in Debt.
Jose Garcia is a policy fellow at the National Council of La Raza (NCLR), where he focuses on housing and banking public policies that affect the Latino community, with an emphasis on housing finance and the secondary mortgage market. He has more than 10 years' experience analyzing household credit and debt, youth economics, voting rights, Census advocacy,
