MP Access Show by MortgagePoint

This interview features Shayna Arrington, Chief Risk Officer at Servbank, discussing the dynamic landscape of mortgage servicing. Arrington shares insights on navigating evolving regulations, the strategic adoption of AI for efficiency and customer experience, and the importance of proactive risk management. The conversation highlights Servbank's commitment to customer-centricity and innovation in a challenging industry.

Dagoberto Hernandez, Bankruptcy Manager at LoanDepot, discusses the evolving landscape of bankruptcy filings with Mortgage Point. He highlights the rise in Chapter 7 bankruptcies, influenced by vehicle affordability and credit card debt. Hernandez also addresses the challenges servicers face, including regulatory complexities and the potential impact of AI, emphasizing the critical need for expert guidance and strong communication.

Michael Keaton of Onity Group discusses mortgage servicing innovations and homeowner support. Learn about their AI tool, LASSI, enhancing transparency and efficiency. The interview also addresses the growing challenge of rising property taxes and insurance impacting homeowner affordability, and strategies for proactive intervention to prevent delinquencies and foreclosures.

Explore the power of self-discovery and leadership with Joe Lara, former NSA cryptologist and founder of Find The X. Learn how to unlock your potential, understand your 'why,' and cultivate impactful leadership. This insightful discussion, inspired by military experience, offers practical strategies for personal and professional growth, applicable across industries.

Patrick Journy, CFO of Lima One Capital, provides an insightful analysis of current market trends and economic impacts, including recessionary pressures. He discusses Lima One's specialized lending for non-owner-occupied residential, multifamily, and investment properties, highlighting their focus on experienced fix-and-flip investors. Patrick elaborates on how interest rate volatility affects different loan products and the company's conservative lending approach.

Discover Velocity, an exclusive conference designed to foster business prosperity and value for real estate professionals. This event brings together servicers, lenders, attorneys, and investors for a collaborative "give and take" environment. Learn transferable growth strategies from industry leaders and gain insights from a keynote speaker who overcame significant challenges.

Explore the evolving landscape of foreclosure litigation with Clayton Gordon, Director of Complex Litigation at McMichael Taylor Gray LLC. This insightful discussion covers industry trends, regulatory impacts, and the strategic importance of addressing legal claims. Learn how proactive legal engagement and understanding borrower objectives are crucial for success in the mortgage servicing industry.

This interview features Joseph Gyourko, a professor at the Wharton School, discussing his research on institutional investors in the single-family rental market. Joseph argues that increasing housing supply, rather than banning institutional ownership, is the most effective solution to the housing affordability crisis. He highlights restrictive development policies and local opposition as primary barriers to increasing housing stock.

Join us on the MP Access Podcast as David Wharton interviews Dr. Selma Hepp, a leading housing economist from Cotality. Dr. Hepp shares her unique journey into housing economics and provides an insightful analysis of current market dynamics. She discusses the complex interplay of housing prices, demand, and inventory, highlighting regional variations and the persistent affordability challenges impacting home sales nationwide.

Explore the dynamic world of REO properties with expert Caroline Gim. Learn about her journey from loans to short sales and her proactive approach to managing bank-owned assets. Discover practical tips for property inspections, security, and handling challenging situations like squatters, all while gaining insights into the evolving California real estate market.

Walt Mullen, EVP & CSO at Onity Group Inc, shares his journey in the financial services and mortgage industry. He discusses the importance of homeownership and Onity’s focus on customer experience, accountability, and long-term value. The conversation highlights recent successes, strategic growth, community support, and why compassion still matters in high-stakes customer interactions.

 Explore the evolving real estate and mortgage landscape through the lens of leadership and firsthand industry experience. David Siwy discusses the changing role of real estate professionals, the importance of mentorship and relationship-building, and the emotional realities facing today’s homebuyers. The conversation also highlights the value of networking at industry events like the Five Star Conference, effective communication across stakeholders, and opportunities ahead in property investment, including REO and value-driven strategies. 

Hector Amendola, president of Panorama Mortgage Group, shares his extensive experience in the mortgage industry. He discusses builder confidence, market trends, and buyer psychology, highlighting the effects of interest rates on housing. The conversation covers financing tools for builders, affordability issues, and the significance of insurance. Hector also addresses inventory challenges and offers advice for newcomers, stressing a balanced approach to home buying in a changing market.

Foreclosure law is constantly shifting — and one small compliance mistake can have major consequences.

In this episode, we sit down with foreclosure attorney Stephen Hladik to unpack the real-world regulatory challenges facing borrowers, servicers, and legal teams today. From state-specific requirements and mediation to standing issues, title defects, and evolving court expectations, Stephen shares practical insight on how to stay proactive, reduce risk, and navigate the process with confidence.

Whether you’re in servicing, lending, or legal compliance, this conversation delivers the clarity and strategy you need to stay ahead in a complex foreclosure landscape.

David Wharton introduces Neil Brooks from NewDay USA, who discusses the mission to help veterans achieve home ownership. Neil explains the New Advantage program, which addresses challenges like closing costs. He highlights the need for a network of veteran realtors and the positive response from agents. The goal is to create generational wealth for veterans, emphasizing education on VA benefits and connecting them with knowledgeable agents.

Reneau Longoria discusses her roles in the education committee and the Legal League Advisory Council. She shares her background as a prosecutor and highlights the importance of education and collaboration in the legal field. Reneau talks about challenges in asset management and the need for creative problem-solving. She emphasizes communication among attorneys and reflects on her Native American heritage, advocating for a respectful approach in her work.

David Demers shares his extensive experience in law, focusing on defense litigation and creditors' rights. He discusses his career journey, the importance of work-life balance, and the challenges of multi-jurisdictional regulations. David emphasizes education and member involvement in the Legal League, addresses rising costs affecting homeowners, and highlights the complexities of bankruptcy law. He encourages active engagement and collaboration within the legal community.

In this episode, Jeffrey Fraser shares insights from his 15-year career in bankruptcy law, highlighting the collaborative nature of the field and the importance of staying current with evolving rules and regulations.

He discusses key trends in bankruptcy filings, including the growing impact of unsecured debt and the rise of scams targeting vulnerable populations. Jeffrey also reflects on the role of mentorship and education in the legal profession, and the personal values that continue to shape his work and leadership.

In this episode, Jessica Ardron shares her journey as a Gold Star spouse and reflects on what service, sacrifice, and resilience truly mean beyond the uniform. She opens up about honoring her husband’s legacy, navigating life after loss, and how purpose, leadership, and community have shaped her path forward.

Jaye VanBoening, a US Army veteran, shares his military experiences and the challenges he faced transitioning to civilian life. He highlights the significance of camaraderie and the impact of PTSD. With support from the Military Warrior Support Foundation and his service dog, Maggie, Jaye found stability and new passions, like golf, that enhance his mental health. He stresses the importance of support systems for veterans and the joy of providing a stable home for his daughter.

Candace Russell from Carrington Mortgage discusses her role in government and default servicing. She highlights the significance of the Commissioner's Adjusted Fair Market Value (CAFMV) in FHA claims without title conveyance. The conversation addresses changes to the CAFMV program, its effects on foreclosure bidding, and current market challenges. Russell emphasizes the need for clarity in HUD policies and better education for potential bidders, while also looking ahead to future challenges.

Robert Forster shares his journey into law, beginning in Little Rock, Arkansas. Initially hesitant due to his father's advice, he pursued an undergraduate degree at Arizona State University and attended law school at SMU. Forster reflects on his early career in personal injury law, the importance of client results, and his growth at BDF Law Group. He emphasizes mentorship and discusses industry changes, particularly after the 2008 financial crisis.

Derek Austin shares his military journey, detailing his enlistment, deployments, and injuries. He highlights the challenges of reintegration into civilian life and the significance of education. Support from the Military Warrior Support Foundation plays a crucial role in his transition. Derek discusses how military skills benefit his current career and offers valuable advice to fellow veterans on maintaining integrity and perseverance during their transitions.

Eric Delgado shares his entrepreneurial journey, detailing his early business experiences and the influence of his parents. He discusses his transition into the mortgage industry, the challenges during the mortgage crisis, and the growth of his company. Eric emphasizes the importance of an entrepreneurial mindset and the lessons learned from personal experiences and market dynamics. The network aims to grow from 4,000 to 20,000 members, fostering collaboration and engagement.

This episode we explore default mortgage servicing, focusing on the foreclosure lifecycle and the coordination between servicers and law firms. Patrick shares insights on operational milestones, effective case management strategies, and the revenue flow in foreclosure processes. The discussion also covers the role of technology, including AI, in managing workflows and addresses misconceptions about law firm processing. Patrick concludes with advice for enhancing communication and collaboration.

Kimberly McClinton shares her personal journey in real estate, discussing challenges and motivations. She highlights the crucial role of loan officers in educating clients and building trust. The conversation covers industry changes, new regulations, and the need for agents to adapt.

The episode covers key challenges in the foreclosure landscape, focusing on judicial versus non-judicial processes and the impact of new FHA bidding instructions. It highlights the need for proactive title reviews and robust documentation practices amid rising AI-generated pleadings. Mediation's dual role in resolutions is discussed, along with common servicer mistakes. Legal changes and unexpected trends in foreclosure processes are examined, emphasizing communication and timely actions for better borrower engagement. 

In this episode of MP Access, we sit down with Yvette Gilmore, SVP at ServiceLink, to explore what’s next for mortgage servicing—and why the future is closer than we think.

Yvette shares her vision of servicing not just as a process, but as a recapture asset—an opportunity to build lifelong customer relationships through excellence and innovation. She discusses how strategic investments in servicing platforms can unlock growth, improve borrower experiences, and strengthen investor confidence.

Recorded live on the floor of the 2025 Five Star Conference, this c...

Host: David Wharton

Episode Title: Investing Beyond Your Backyard with Zach Lemaster

Duration: Approximately 31 minutes and 15 seconds

Episode Summary:
In this inspiring episode of MP Access, we talk with Zach Lemaster, founder and CEO of Rent to Retirement, about his unconventional path from military optometrist to successful real estate investor. Zach explains how his turnkey platform helps investors—new and seasoned—identify high-return markets, access institutional-grade deals, and build sustainable portfolios across the U.S. He breaks down the fundamentals of smart investing, emphasizes the power of e...

Host: David Wharton

Episode Title: Bankruptcy, Balance Sheets & Roundtable Real Talk with Kent McPhail

Duration: Approximately 9 minutes and 20 seconds

Episode Summary:
In this episode of MP Access, Kent McPhail of McPhail Sanchez LLP joins us from the Legal League Spring Servicer Summit to unpack key legal challenges facing servicers and law firms today. Kent discusses highlights from the roundtable discussions he led, with topics including payment supplements, bankruptcy timing, and keeping litigation in-house. He also shares insights on judicial vs. non-judicial foreclosures, and the importance of...

Host: David Wharton

Episode Title: From Litigation to Leadership: Hladik on Mortgage Trends

Duration: Approximately 10 minutes and 58 seconds

Episode Summary:
In this episode of MP Access, we sit down with Stephen Hladik—partner at Hladik, Onorato & Federman, LLP and Chair of the Legal League—live from the Legal League Spring Servicer Summit. Stephen shares his takeaways from a jam-packed conference, offering expert commentary on regulatory uncertainty, the evolving role of state enforcement, and why servicers must “stay the course” with strong compliance. He also discusses key litigati...

Host: David Wharton

Episode Title: Foreclosure Trends, AI, and Staffing Smarts with Matt Podmenik

Duration: Approximately 7 minutes and 7 seconds

Episode Summary:
In this episode of MP Access, we’re joined by Matthew Podmenik of McCarthy & Holthus LLP, speaking from the Velocity Conference floor. With over 20 years of legal experience in mortgage servicing and title litigation, Matt brings a clear-eyed look at today's dynamic market conditions. He discusses the increase in foreclosure referrals, the critical need for smart staffing, and how evolving tech and remote work have re...

Host: David Wharton

Episode Title:: The Buyer-Seller Paradox with CJ Pace

Duration: Approximately 8 minutes and 24 seconds

Episode Summary:
In this episode of MP Access, we sit down with Christy “CJ” Pace of Pace Property Asset Management during the FORCE Velocity Conference in Fort Worth. A 26-year industry veteran, CJ shares her observations on the unusual dynamics shaping today’s real estate market—where low inventory suggests a seller’s market, but buyer behavior tells a different story. She explains how affordability, inflation, and shifting consumer expectations are reshap...

Host: Gina Gallutia

Episode Title: From Probate to Profit: Robert Forster’s Legal Insights

Duration: Approximately 9 minutes and 13 seconds

Description:
In this episode of MP Access, we’re joined by Robert Forster of BDF Law Group, recorded live from the Velocity Conference. Robert breaks down the growing complexity of today’s mortgage and foreclosure environment, from rising default rates to the intersection of probate and real estate. He shares insights from his popular conference class, "From Probate to Profit," emphasizing how real estate professionals can expand into p...

Host: David Wharton. 

Episode Title: Riding the Market Waves with Norris Bishop

Duration: Approximately 8 minutes and 24 seconds

Description:

In this episode of the MP Access Show, we sit down with Norris Bishop, broker at Norris Bishop Realty, live from the FORCE Velocity Conference. Norris shares a grounded, real-world perspective on navigating today’s housing market. With interest rates staying high and inventory levels stubbornly low, he breaks down what agents and investors need to know. From the dangers of waiting for the...

Host: David Wharton. 

Episode Title: Embracing Market Discomfort: Insights with Frederick Golding

Duration: Approximately 10 minutes and 54 seconds

Description:

In this episode of the MP Access Show, we sit down with industry expert Frederick Golding to discuss the evolving realities of the mortgage market. As professionals navigate through unprecedented changes, Frederick shares his insights on embracing discomfort and adapting to new market dynamics.

Key Topics:

Host: David Wharton. 

Episode Title: REO 101: Lessons from the Field with Keith Stone

Duration: Approximately 8 minutes and 23 seconds

Description:

In this episode of MP Access, we speak with Keith Stone of the Keith Stone Real Estate Group live from the Velocity Conference in Fort Worth. Drawing from his background as a civil engineer and his years of experience in REO (real estate owned) properties, Keith offers a practical, no-nonsense breakdown of the current housing landscape. He discusses local market trends, the i...

Host: David Wharton. 

Episode Title: Navigating Uncertainty: Eric Delgado on Market Shifts & Solutions

Duration: Approximately 8 minutes and 8 seconds

Description:

In this episode of MP Access, we sit down with Eric Delgado of MCM Capital live from the Velocity Conference in Fort Worth. Eric shares insights from his recent panel on billion-dollar ideas and discusses how identifying problems in real estate can be the catalyst for scalable business solutions. We dive into the unpredictable mortgage market, the importance of diversification, and how p...

Join us as we sit down with Rida Sharaf, Chief Strategy Officer at USRES/RES.NET, to explore how technology and innovation reshape the mortgage servicing industry. Rida shares his insights on leveraging AI, implementing strategic initiatives, and navigating the ever-changing regulatory landscape. He offers a unique perspective on how industry professionals can stay ahead of the curve by engaging in collaborative dialogue, embracing cutting-edge technologies, and fostering a culture of continuous improvement.

In this episode, Rida also reflects on his leadership philosophy and strategies to drive growth and success within his organization. Learn how USRES/RES...

Host: Robert Wilson, VP of Experience, Five Star
Guest: Alec Crawford, Founder & CEO, Artificial Intelligence Risk, Inc.

Episode Overview:
In this episode of the MP Access Show, Robert Wilson sits down with Alec Crawford, Founder and CEO of Artificial Intelligence Risk, Inc., a leading innovator in AI safety, security, and compliance. Alec shares his insights on how companies can adopt AI responsibly while mitigating risks, complying with regulations, and safeguarding their data. From developing AI policies to understanding the four pillars of AI governance, Alec provides actionable advice for...