Freddie Mac Single-Family Home Starts Here: Recent Episodes
Freddie Mac Single-Family
The Single-Family Freddie Mac Home Starts Here podcast is your connection to all the latest industry trends, insights and points of view on the mortgage market. Take a front row seat to the conversations that are shaping the decisions in Freddie Mac Single-Family and first-hand information to help you grow your business.
In the latest episode, Monica La Crue, Single-Family Affordable Lending Manager, and Malyna Phan, Branch Manager, Big Valley Mortgage, discuss how real estate professionals can help match borrowers with the right down payment assistance program for their unique needs. Listen to learn more about DPA resources, collaboration between loan officers and real estate professionals and misconceptions about borrowers who require down payment assistance.
In our final episode, Erin Langevin, Senior Vice President, National Retail Operations, Guild Mortgage joins guest host Phil Treadwell, founder of M1 Academy and host of the Mortgage Marketing Expert podcast, to discuss the role strategic partnerships play in transforming industry practices
In this week’s episode, Donna Spencer, Vice President, Servicing Relationship and Performance Management joins guest host @Phil Treadwell, founder of M1 Academy and host of the Mortgage Marketing Expert podcast, to discuss the importance of servicing for sustainable homeownership and creating new homeownership initiatives.
In this episode Monica La Crue, Freddie Mac Single-Family Affordable Loan Manager and Sandee Lutz, National Renovation Manager at Cross Country Mortgage discuss how real estate professionals can help homebuyers win in today's market through familiarity with flexible loan options. Listen to learn more about down payment assistance, different sources of qualifying income and renovation loans.
On this episode of The Way Home, @Danny Gardner, SVP, Single-Family Mission and Community Engagement, joins guest host @Phil Treadwell, founder of M1 Academy and host of the Mortgage Marketing Expert podcast discuss how Freddie Mac solutions, technology capabilities, and innovative product offerings are bridging the home ownership gap.
In this episode Monica La Crue, Freddie Mac Single-Family Affordable Lending Manager and Sandee Lutz, National Renovation Sales Manager at CrossCountry Mortgage discuss how real estate professionals can help homebuyers win in today's market through familiarity with flexible loan options. Listen to learn more about down payment assistance, different sources of qualifying income and renovation loans.
On this episode of The Way Home, @Kevin Kauffman, VP, Single-Family Seller-Engagement, chats with @Eileen Tu, VP, Product Development and Credit Policy at Rocket Mortgage about how to leverage the lender partnership with Freddie Mac to approach technology advancements, ongoing regulatory changes and Quality Control (QC) in today’s business environment.
Introducing Empower Your Outreach, a podcast series for real estate professionals who want to keep track of housing market trends and strengthen their roles as trusted advisors in the communities they serve. In the inaugural episode, Monica La Crue, Affordable Lending Manager and Tamela Thurman, Equitable Housing Director, discuss how to build for tomorrow through equitable and sustainable homeownership initiatives.
On this week’s episode, Ceclia Raine, VP Servicing Strategy and Integration joins guest host Phil Treadwell, founder of M1 Academy and host of the Mortgage Marketing Expert podcast discuss advancing the servicing industry with smart solutions to drive sustainable homeownership in today’s environment.
On this week’s episode of The Way Home, guest host Katie Givens, Freddie Mac’s Director of Sales chats with Jennifer Whip, Principal, Cambridge One, to explore the actionable strategies to, and benefits of, becoming an approved Freddie Mac Seller or Servicer.
In this episode of the Equitably Speaking podcast, Navigating Market Ebbs and Flows, our panel of guests discuss how to leverage Freddie Mac programs and platforms to support potential homebuyers in need of down payment and closing cost assistance.
Learn more at https://sf.freddiemac.com/working-with-us/equitable-housing/podcasts.
In this week’s episode, Katie Givens, Director of Sales, Single-Family Seller Engagement, and Rebecca Lopacinski, Account Executive, Single-Family Seller Engagement, chat with Juan Rodas, CEO and co-founder of New Story Lending, about the incredible story of how his company became a Freddie Mac Seller/Servicer to more powerfully serve underserved markets.
On this week’s episode, Freddie Mac’s Sonu Mittal, SVP and Head of Single-Family Acquisitions, and Ravi Shankar, SVP and Head of Single-Family Portfolio and Servicing, will join guest host Phil Treadwell, founder of M1 Academy and host of the Mortgage Marketing podcast, for a discussion on how to overcome market challenges, such as high costs and rates, the benefits of partnering with Freddie Mac, and upcoming priorities and initiatives for 2024.
On the first episode, Deb Jones, Senior Vice President and Director, Mortgage Capital Markets, Citizens Bank, chats with guest host Phil Treadwell, founder of M1 Academy and host of the Mortgage Marketing podcast, and explore ways to make homeownership more affordable, sustainable and equitable.
In this episode of Equitably Speaking, Monda R. Webb, Single-Family Affordable Lending Manager at Freddie Mac and former top originator and financial coach, Dr. Lynn Richardson discuss practical tips for mortgage professionals who want to create a sustainable book of business with borrowers in underserved communities.
The inaugural episode, Breaking Into Underserved Markets, features Pam Perry, Vice President of Single-Family Equitable Housing at Freddie Mac, and Phil Treadwell, host of the Mortgage Marketing Expert podcast. Watch as they discuss:
- Phil’s proven three-step marketing formula to break into a new market
- Best practices to ensure effective engagement on a cultural level
- Resources that loan officers can use to help borrowers that may require financial assistance when applying for a loan
Check out Credit Risk Transfer’s (CRT) latest CRTcast episode to learn about the how the markets evolved and changed throughout 2023 from both a STACR® and ACIS® perspective.
Tune in as Joe Monaghan, Global Growth Leader for Aon’s Reinsurance Solutions and CEO of Aon’s Public Sector Partnership (PSP), joins Mike Reynolds, vice president of Freddie Mac CRT, for a conversation about the state of the (re)insurance market, its present condition and how it impacts (re)insurers
Join Freddie Mac and Polly for our Power of Partnership podcast discussion of planning ahead for technology innovation that supports secondary marketing and capital markets in 2023 and beyond. Get to know Polly and its capabilities and how Freddie Mac and Polly partner to bring efficiencies to our mutual clients.
Hear from three of our 2022 RISE Award winners and learn what drove their success and how they keep moving the needle forward in homeownership.
Join Amy Creason, director of sales for Freddie Mac’s Secondary Market Advisors (SMA) team, and Ted Kramer, founder and president of Innovient, for a discussion of best practices for managing loan pricing economics.
Join Amy Creason, director of sales for our Secondary Market Advisors (SMA) team, and MCT’s Chris Anderson and Paul Yarbrough, as they discuss the importance of technology integration to support rate sheet and hedging accuracy – and more.
Mike Reynolds and Christian Valencia, vice president of CRT Investments and Capital Markets, and Jeff Shue, senior director of CRT Investments and Capital Marketing, discuss the current state of the market and what to expect in the upcoming quarter.
The Power of Partnership is our podcast under the Freddie Mac Home Starts Here
podcast series that focuses on the strong relationships between Freddie Mac and our
third-party partners. Today we’re talking about Freddie Mac’s 2022 pricing objectives
and loan pricing components with our valued secondary market advisor, or SMA,
partner MIAC, and how MIAC is making the analysis and loan sale process easier and
delivering better results with its technology platform and advisory services. Listen in to
learn how to optimize your pooling.
Christie Tintle, Managing Director and head of Wells Fargo Securities’ Asset backed Finance Syndicate Team, joins Mike Reynolds, VP of Single-Family Credit Risk Transfer, to discuss what it means to be the head of the syndicate desk for asset backed finance and its role in the CRT market.
Different stakeholders within the mortgage and housing industry play a role in decreasing barriers to homeownership. Kasey Kier, Assistant Commissioner at Minnesota Housing, and Tamela Thurman, Director, Freddie Mac's Single-Family Equitable Housing Team discuss ways to address the array of complex issues communities of color face in attaining, sustaining and building wealth through homeownership
Don Layton, former Freddie Mac CEO, joins Mike Reynolds, VP of Single-Family Credit Risk Transfer, to discuss the inception of the GSE CRT market and how it supports Freddie Mac’s mission. Don and Mike dive into the benefits of CRT, address its criticisms and reflect on CRT’s core role in today’s financial system.
Racial and ethnic bias impact home appraisals. Pam Perry, vice president of Single-Family Equitable Housing sits down with Jillian White, SRA, head of collateral at Better.com to discuss new research on how valuation bias can affect the racial wealth gap, and holistic approaches to solve valuation disparities.
Diversity has many dimensions. Many of these identities may overlap and that intersection will affect how women face challenges in their careers. This #LeadingTheWay Masterclass explores how should organizations and professionals should assess and embrace these dimensions as they work toward career advancement.
Single-Family Senior Vice President of Modeling, Econometrics, Data and Analytics, Michael Bradley discusses the advantages of AI and Machine Learning for mortgage lenders with Amy Gromowski, Senior Leader, Science & Analytics at CoreLogic and Frank Poiesz, Managing Director of Product, Origination Technology with Black Knight.
Single-Family VP Mike Reynolds talks with Dan King, Managing Director at Credit Suisse, about the role of investment banks in structuring and bringing new CRT transactions to market.
We recently investigated a case in which normally trusted income sources like tax returns looked suspiciously similar across multiple loan files for borrowers who were all supposedly self-employed. But when Martin Abad, a director in the Single-Family Fraud Risk (SFFR) investigations unit, took a closer look, he confirmed that what you see isn’t always what you get.
National Homeownership Month is a time to celebrate the benefits of homeownership for families and communities across the country. Learn about lending success from three Freddie Mac Home Possible® RISE Award winners who are extending the reach of homeownership, daily.
Single-Family Credit Risk Transfer (CRT) VP Mike Reynolds sits down with Jim Bennison, Executive VP and Head of Alternative Markets at Arch MI. Mortgage insurance can be thought of as the oldest and most used form of CRT for Freddie Mac. Learn more in this discussion about how mortgage insurance companies, including (re)insurers, play a key role in the U.S. housing market ecosystem.
COVID-19 policy flexibilities for forbearance program have successfully prevented foreclosures, but won’t continue forever, and elevated volumes are driving demand for solutions that optimize mortgage servicing operations— from quick decisions on mortgage assistance options to reimbursement for servicing defaulted properties. In this episode we sit down with servicing client, Mr. Cooper, to discuss PAID (Payments Automated Intelligent and Dynamic), a new tool that improves the servicer workflow for expense reimbursements.
Reducing home utility costs places families in a better financial situation and helps preserve home affordability over time. Since the first Earth Day in 1970, changes in building codes have made homes much more efficient, cutting energy use by 47%, but a lack of energy efficiency can still be the highest cost of homeownership outside of the mortgage loan. In this episode, we discuss tools that allow lenders and appraisers the ability to rate the energy performance of homes and how to affordably reduce costs through energy efficiency upgrades.
Mike Reynolds, Single-Family VP of Credit Risk Transfer, sits down with Andrew Davidson & Co., Inc. (AD&Co) founder Andy Davidson to talk all things risk intelligence, including planting the first seed about a GSE CRT market in 2010 and connecting with Freddie Mac to launch the first GSE CRT securities transaction in 2013.
AD&Co was founded in 1992 and focuses on bringing the analytics and tools of Wall Street to the buy-side, enabling all parties to conduct business fairly.
The company’s interest in GSE CRT stemmed from an obligation to making the mortgage market function better as well as from seeing a strong appetite among credit experts for more products to invest in.
In Honor of Women’s History Month, we revisit a conversation between two dynamic women –Barbara Corcoran, Founder of The Corcoran Group, and “shark” on ABC’s hit show Shark Tank and executive vice president and head of Freddie Mac’s Single-Family business, Donna Corley. Barbara sat down with Donna during the Fall 2020 Freddie Mac Single-Family annual CONNECT conference to discuss the #LeadingTheWay initiative, share personal stories on career growth and practical advice on honing your "entrepreneurial spirit" regardless of where you are in your career journey.
Homeownership is the cornerstone to wealth building, community pride and familial stability. However, many Black Americans face a significant number of barriers to homeownership and are under-represented among homeowners.
In this conversation, we’ll hear Lydia Pope, president-elect, National Association of Real Estate Brokers and Pamela Perry, vice president, Equitable Housing, Freddie Mac Single-Family discuss how their roles address barriers and obstacles that impede homeownership in the Black community.
Now, more than ever, Servicers are focused on how to efficiently deliver the best product for the homeowners. Hear how Cenlar, a Freddie Mac Servicer client, is using a new end-to-end default management platform, Resolve (SM) to get fast decisions on mortgage relief options, while saving time and resources.
Learn more about the partnership between Federal Housing Finance Agency, Freddie Mac and Fannie Mae to help borrowers challenged with limited English proficiency navigate the homebuying process. The result has been a resource that has assisted lenders, servicers, housing counselors, real estate professionals and other industry stakeholders in better serving LEP borrowers. The Mortgage Translations Clearinghouse holds translated mortgage-related terms, documents, and homeownership resources in the several languages representing some of the largest population and cultural segments within the United States, helping these consumers understand topics such as fraud avoidance, foreclosure prevention, financial wellness and mortgage options. https://www.fhfa.gov/MortgageTranslations
This episode explores the historic and social homeownership challenges faced by Native American communities. Single-Family Affordable Lending Manager, James Cromartie, and special guest Executive Director of Lakota Funds, Tawney Brunsch discuss work being done to address the scarcity and limitations of homeownership and efforts underway to prepare borrowers on Native American reservations for successful homeownership through Freddie Mac’s Duty to Serve initiative.
Mortgage finance data models have revolutionized how the mortgage industry does everything from assess risk to assist borrowers who are having difficulty making their payments. They are used to project interest rates, mortgage rates, house prices, unemployment rates, defaults and prepayments, and other key outputs that determine our business success and viability. But what happens when a global pandemic throws the models out of whack?
Two industry experts explore how the industry can best use data as a tool for long-term business growth and preparedness even in the throes of a “black swan” event.
The global economy is changing all around us, and despite uncertainty, everyone from fintech companies and lenders to local governments and real estate professionals are adapting to serve homeowners and potential buyers during this time. Valuation methods and supporting digital tools are being advanced in a major way. One estimate is that this crisis is advancing the digital move by five years – speed is motivated by need.
From expanding automated collateral evaluation to offering the ability for an appraiser to complete and exterior only appraisal, this episode discusses the changes and the digital tools that have been leveraged to support valuations.
Growing investor and borrower demand along with heightened regulatory pressure often have mortgage lenders backlogged with integration work and operational inefficiency. Freddie Mac is focused on delivering solutions to clients that will increase efficiency and data accuracy, saving them time and money. Learn more about how Freddie Mac is using application programming interfaces (APIs) to speed up and simplify pre-qualifications, simplify decisioning on workout options and create a more efficient borrower experience.
Income misrepresentation is one of the most common forms of fraud today, but the Freddie Mac is on top of it. Listen in as Carrie Schoenhals, a Single-Family Fraud Risk investigator, shares stories from her experiences in the field fighting income misrep, while providing tips on how you can identify fraud and get in front of it early
The impact of COVID-19 has added additional layers of complexity and financial hardships to housing affordability and homebuying readiness. Borrower Help Centers are an integral part of the housing ecosystem, and they’ve taken a frontline role in helping those in crisis mitigate the impact of COVID-19. Learn how two Borrower Help Centers in distinct markets are making a difference.
Mortgage forbearance can be a huge source of relief for borrowers affected by COVID-19. However, there's confusion about how and when borrowers are expected to repay the delayed payments and what happens after the forbearance term. This episode discusses a new payment deferral relief option for borrowers. Our guests, Mike Zarro, mortgage servicing executive for Truist, Don Griffin, Freddie Mac vice president, Servicer Relationship and Performance Management, provide insight on how this helps servicers, borrowers and the evolving industry.
In today’s digital world, consumers want fast, easy online transactions – and this has become more apparent and necessary in light of COVID-19. With automated and digital solutions lenders can provide a more electronic experience, cut costs, close loans faster and simplify the loan process while reducing risk for everyone involved. In thisepisode, Terri Merlino, Senior Vice President & Chief Credit Officer, David Fulford, Vice President, Strategic Technology Integration, and special guest, Tamara West, investor specialist with client partner, nbkc bank discuss Loan Product Advisor® asset and income modeler (AIM) and how it has made a difference during this heightened time of need.
Single-Family’s Senior Vice President, Portfolio Management, Kevin Palmer sets the record straight on mortgage relief options during COVID-19. He frames the conversation with the current facts, industry figures and provides answers to the most commonly asked questions related to forbearance.
From the origination process all the way to the investor, Freddie Mac is supporting the industry holistically in the wake of COVID-19’s effects. Are we better equipped than in the past to deal with this crisis? How are we working to be a stabilizing force in the industry and a resource for consumers? Freddie Mac executives discuss how they’re tackling unprecedented challenges head on, and how this crisis has strengthened their commitment to US homebuyers.
With the spread of the coronavirus (COVID-19) throughout the country and its potential impact, Freddie Mac remains committed to providing liquidity and stability to the mortgage finance market and fulfilling our mission. Senior Vice President, Client and Community Engagement, Danny Gardner discusses business impacts and steps Freddie Mac Single-Family is taking to respond.
Visit the episode page for links to the resources discussed in the episode:
https://sf.freddiemac.com/articles/insights/freddie-mac-addresses-industry-challenges-due-to-covid-19-pandemic
As we head into 2020, we sat down with technology partner BackInTheBlack to discuss servicing trends and offer a perspective on big ideas that will transform the servicing landscape. Freddie Mac Single-Family Servicing Ops, Vice President, Ken Burke and James McVicker, Director of Professional Services at BackInTheBlack, explore how leveraging partnerships and connecting industry players is critical to make advancements in servicing.
Growth and demand trends along with inventory shortfall are leading to an overall housing shortage. Additionally, there are misconceptions and a lack of information about resources for potential buyers. Danny Gardner, SVP, Affordable Lending and Access to Credit, Single-Family sits down with Rob Chrane, Founder and CEO, Down Payment Resource to discuss persistent housing challenges and specific solutions.
Donna Corley, interim head of Freddie Mac Single-Family business, weighs in on where the industry is headed and her key areas of focus during this time of industry change. She discusses her priorities with host, Riham El-Lakany, Chief Marketing Officer, Single-Family.
As many women move through various stages of their careers, they’ve experienced the feeling of being the only woman in the room. Hear how women in the mortgage industry create connections with other women and develop support systems. Kristy Fercho, Executive Vice President and President of Mortgage, Flagstar Bank sits down with Christa Petrone, Single-Family Sales Directors as they share personal stories on how they create authentic connections and how women can leverage those connections to help grow their careers. The discussion is moderated by Riham El-Lakany, Chief Marketing Officer, Single-Family.
Get an introduction to the management team of Single-Family Sales team. They discuss how their methodology behind Freddie Mac Single-Family’s client-obsessed culture. Phil Guth, VP, Sales, Office of the Client, and Single-Family Sales Directors Ed Abbott and Susan Lascko provide insight into the frequency, manner of engagement and resources in the field, as well as post-engagement strategies with clients.
Dan Fitchler,AVP of Housing Finance Policy, MBA and Tim Kitt, SVP of Pricing and Execution, Single-Family, provide an update on the efforts across the industry to replace LIBOR with the GSE-supported overnight SOFR framework. Hear what's staying the same and what may be changing to ensure a successful transition to SOFR before the end of 2021.
Riham El-Lakany, Freddie Mac Single-Family Chief Marketing Officer, sits down with Marcia Davies, Chief Operating Officer, Mortgage Banker’s Association,to discuss two initiatives focused on empowering women and providing them with tools and resources to be successful in the mortgage industry— mPower and #LeadingTheWay.
CX is about understanding all the interactions that customers and prospects have with your brand. In the mortgage industry, the end-to-end experience is changing. Phil Treadwell and Bill Staikos discuss the how to attract borrowers of the future and utilize design thinking to improve brand interactions. Phil Treadwell is the founder and host of The Mortgage Marketing Expert podcast, and Vice President of Development and Regional Manager with the Mason-McDuffie Mortgage Corporation. Bill Staikos is the head of Customer Experience at Freddie Mac, Single-Family.
FAST℠, or Freddie Automated Servicing Transfer simplifies the transfer of servicing from a seller to buyer, which is often the toughest part of the transaction. Automating and standardizing gets this process done—fast. Hakan Beygo, Freddie Mac, Senior Director, Secondary Execution Strategies, give insight into how FAST is helping lenders with Servicer-specific requirements related to file and data delivery processes as well as specific stacking orders for paper and/or imaged documents.
For a larger, more liquid market, the GSEs must align. The Single Security initiative has ensured a durable and lasting alignment, and more market options. We were joined by Freddie Mac Securitization SVP, Mark Hanson and Securitization Director, Jamie Miller to single security investment and capital markets.
Marketing is a combination of trust and attention. Hear founder and host of The Mortgage Marketing Expert podcast, Phil Treadwell and Riham El-Lakany, Freddie Mac Single-Family's CMO, discuss B2B mortgage industry marketing approaches and tactical ways to move your business forward.
What does digital transformation really mean to the mortgage industry? How does it create operational efficiencies? Dominick Marchetti, head of Guaranteed Rate, and Rick Lang, VP, Loan Advisor Strategy and Integration, Single-Family, discuss the magnitude of financial impact and brand reputation for lenders who invest in adoption and training of digital capabilities.
In the mortgage process, nothing is more foundational than determining a consumer’s ability to repay their loan. Loan Product Advisor® asset and income modeler (AIM) does this reliably and efficiently. Andy Sheehan, President and COO at Finicity and Kevin Kaufman, Senior Director, Loan Advisor, Strategic Partnerships and Integration discuss automating borrower capacity.
Pricing certainty and underwriting standards benefit borrowers. Deploying capital against first loan level loss is a benefit to investors. Integrated Mortgage Insurance (IMAGIN) is a new way to attract private capital to the low down-payment market. Mike Reynolds, Single-Family VP Credit Risk Transfer discusses IMAGIN and what’s next in the credit risk transfer space.
Danny Gardner Senior VP, Affordable Lending and Access to Credit, looks ahead at tackling housing affordability and inventory shortage challenges as we move into 2020.
Hakan Beygo, Senior Director, Secondary Execution Strategies, discusses how Servicing Released-XChange℠ helps clients have a more holistic view of best execution.
Award-winning journalist Soledad O’Brien shared her experiences and advice regarding women advancing in their careers during the 2019 FreddieMacCONNECT conference.
Start small. Think big. Deliver fast. Freddie Mac's Kevin Kauffman, Senior Director, Loan Advisor, Strategic Partnerships and Integration, provides insight into how we help clients increase their competitive edge with automation. Automation technologies deliver solutions for clients to minimize risk and reduce costs.
Hear Freddie Mac's Single-Family's Vice President, Servicer Relationship and Performance Management, Yvette Gilmore and Ken Burke, Vice President Servicing Operations, expand on their vision of the Reimagine ServicingSM program and what it means for the future.
The FreddieMacCONNECT conference, offers attendees a full set of training tools—including how they advance their careers. Building your brand allows you to stand out and create personal connections inside and outside of your organization. Riham El-Lakany, Single-Family’s Chief Marketing and Communications Officer sits down at the podcast table with Donna Corley, SVP, Division Risk Officer to discuss their session on taking control of your personal brand.
Pat Bajari, Chief Economist and Vice President at Amazon Core AI, discusses how machine learning and artificial intelligence can lower costs as well as standardize and automate processes in the housing market.
The future of mortgage is digital. Sam Oliver, VP, Loan Advisor discusses how the mortgage industry can work together to bring a digital experience to the closing table, bringing efficiency for borrowers and lenders.
As we move deeper into the fourth Industrial Revolution, technology, machine learning, AI and social media are changing how society operates and serves customers. Peter Doolan, Salesforce EVP, Digital Transformation and Innovation, gives insight into why the customer experience is critical to every industry in this age.