What the M Podcast

It’s that time again… for a new episode of What the M!

This week, Kent and Steve interview Jason Myers, Vice President of Business Development at MCS (Making Communities Shine). MCS is a nationwide property services provider working across commercial properties, single-family rentals, and the property preservation industry.

Jason received his BS in Advertising and Public Relations from Texas Christian University (Go Horned Frogs!) and began his career at Pulte Homes, where he worked in marketing. From there, he moved on to the Five Star Institute, where he remained for more than 14 years and rose to Senior Vice President and National Director of Sales. He is presently the Vice President of Business Development at MCS, where he oversees new client acquisition, emerging market expansion, new product growth with existing clients, and overall sales strategy. He is a motivational manager able to drive a team to reach individual potential and eclipse corporate objectives, and is skilled in negotiation, advertising, marketing, sales, strategic partnerships, and business line strategy.

His 20-year history in the real estate industry has given him invaluable insight into the market today, and we are lucky to have him as a guest!

Welcome to What the M, Jason!

You can listen to What the M at the link below, or wherever you listen to podcasts.

https://www.buzzsprout.com/2047421/14609073-episode-31-jason-myers.mp3?download=true

It’s that time again… for a new episode of What the M!

This week, Kent and Steve are honored to bring you an interview with the Honorable Annette M. Rizzo. Judge Rizzo was gracious enough to drop by to discuss mortgage foreclosure mediation programs, how the model was developed for courts, the success rates seen by these programs, and how the model program spread throughout the United States.

Judge Rizzo served as a Judge in the First Judicial District of the Commonwealth of Pennsylvania for 16 years, with the majority of that time spent in the Civil Major Jury Trial Program. Prior to her tenure on the bench, she worked in both the public and private sectors. Her many roles included litigating at the oldest continuous law firm in the United States, serving as Senior Counsel at a global insurance firm, and serving as an Assistant City Solicitor for the City of Philadelphia.

In 2008, Judge Rizzo developed the Philadelphia Court’s Residential Mortgage Foreclosure Diversion Program. This program, which continues to thrive today, is a pioneering achievement that brings together homeowners, lenders, attorneys, and housing counselors in an effort to keep city residents in their homes. The program has been a model for similar programs in Pennsylvania and in other jurisdictions and six other states.

Judge Rizzo has since testified about the Program before TARP, the Senate Judiciary Committee, and the U.S. House of Representatives. She continues to speak nationally about the program at trainings for the judiciary, mortgage finance companies, public interest entities, lender servicers, and government agencies including the Federal Reserve, FTC, FDIC, CFPB, the National Low-Income Housing Coalition, NeighborWorks America and many others. Internationally, our guest participated in a European Union Conference and CLE program in Italy regarding the merits of Alternative Dispute Resolution, the Foreclosure Diversion Program, and international mediation systems.

At the invitation of Philadelphia’s City Council in 2020, our guest joined a creative team that developed an innovative Eviction Prevention & Diversion Program modeled after the successful Mortgage Foreclosure Diversion Program. In her spare time, our guest serves as an Adjunct Professor for the Temple University School of Law State Court Clinical Program, which she developed in 2007.

Welcome to the podcast, Judge Rizzo!

You can listen to What the M at the link below, or wherever you listen to podcasts!

https://www.buzzsprout.com/2047421/14513765

This week on What the M, we have a very special guest…host!

With Kent out of the office, his law partner, Brooke Sanchez (literally) stepped up to the mic! Brooke is not only the Managing Partner of McPhail Sanchez, LLC, she is also the firm’s Managing Bankruptcy Attorney. Naturally, Steve was eager to pick her brain about current bankruptcy trends, rule changes, and more!

Brooke received her undergraduate degree from the University of South Alabama (Go Jags!) and her JD from Cumberland School of Law. Brooke represented debtors in consumer bankruptcy for more than ten years before joining Kent’s firm in 2018 and shifting her focus to creditor representation. Having been on both sides of the courtroom, Brooke has a unique perspective and knowledge base to draw from (and is a self-professed “bankruptcy geek”).

Tune in to hear Brooke and Steve’s lively roundtable discussion about the latest “hot topics” in the bankruptcy world!

Welcome back to What the M, Brooke!

You can listen to this episode of What the M at the link below, or wherever you listen to podcasts:

https://www.buzzsprout.com/2047421/14428478

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A huge thank you to our Season 2 sponsor, Guardian Asset Management -

Guardian Asset Management is *the* one-stop shop for lenders, servicers, hedge funds, residential and commercial property investors, and government entities that need a full suite of property management solutions under one roof.

“Father Time is undefeated.” – Erik Qualman

It’s that time again… for a new episode of What the M! This week, Kent and Steve are excited to bring you an interview with internationally renowned author and speaker Erik Qualman. Erik stopped by “What the M” to discuss his latest book, The Focus Project, and how it can help leaders, lawyers, and anyone else who struggles with prioritizing their to-do list!

Erik has written numerous other books including Socialnomics, Digital Leader, and What Happens in Vegas Stays on Youtube. His Socialnomics work has been featured on 60 Minutes and has been used by the National Guard and NASA. He is a former sitting professor at Harvard & MIT’s edX labs, and is currently a professor of Digital Leadership at Northwestern University.

In addition to being an author, Erik is a highly-sought after keynote speaker. He has been called “The Digital Dale Carnegie” and “The Tony Robbins of Tech.” Erik has spoken in 55 countries, reaching over 50 million people worldwide.

Erik has a BA in marketing from Michigan State University and an MBA from the McCombs School of Business at the University of Texas. He received an honorary doctorate for his accomplishments in the field of digital leadership from Lake Superior State University.

Erik has been voted the World’s 2nd Most Likeable Author- behind only Harry Potter author J. K. Rowling. Even more important, Erik says, is trying to live up to the title of “World’s Best Dad” that his daughters scrawled on his coffee mug.

Welcome to What the M, Erik!

You can listen to What the M at the link below, or wherever you listen to podcasts!

http://tinyurl.com/WhatTheMQualman

It’s that time again… for a new episode of What the M!

This week, Kent and Steve interview Jesse Randall, COO of Black Dome Services, LLC. This week’s episode focuses on the topic of property preservation in relation to mortgage servicing industry, as well as its interplay with handling defaulted mortgages. Since Black Dome is one of the fastest-growing property preservation companies in the country, Jesse was the perfect person to interview!

Jesse attended Stephen F. Austin University, where he studied Political Science and Economics. He has held numerous roles within the niche market of property preservation and default mortgage solutions. With executive leadership positions at mortgage servicers, national preservation companies, Fortune 500 companies, and his own privately held preservation company, Jesse has touched every servicing level through the life cycle of a default mortgage. He has been a speaker at various Five Star and Legal League events on issues relating to property preservation and the mortgage servicing industry, and is an avid Texas A&M fan (Go Aggies!)

Welcome to What the M, Jesse!

You can listen to What the M at the link below, or wherever you listen to podcasts!

https://www.buzzsprout.com/2047421/14256995

Happy Holidays from all of us here at What the M! Steve is a little under the weather this week, but he and Kent both wanted to send this message out to thank the listeners for all of your support, and to wish you a very happy and safe holiday season!

You can listen to What the M's holiday greeting at the link below, or wherever you listen to podcasts!

https://www.buzzsprout.com/2047421/14188953

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A huge thank you to our Season 2 sponsor, Guardian Asset Management:

Guardian Asset Management is *the* one-stop shop for lenders, servicers, hedge funds, residential and commercial property investors, and government entities that need a full suite of property management solutions under one roof.

It’s that time again… for a new episode of What the M! This week, Kent and Steve interview Allen Chapman, Executive Vice President with Hub International. HUB International is a leading insurance brokerage company that provides employee benefits, business, and personal insurance products and services.


Allen graduated from the University of Southern Mississippi (Go, Golden Eagles!) where he received his BS in recreational therapy. Allen has been in the insurance industry for over 23 years, so he was a perfect choice to discuss this week’s topic- the many factors in the insurance industry that are dramatically affecting the cost, and, in many cases, the availability of homeowner coverage, and the effects these factors are having on escrow payments and home affordability. It’s a topic that affects all homeowners, and we are privileged to have Allen’s expert opinion on the subject!


Welcome to What the M, Allen!

You can listen to this episode of What the M at the link below, or wherever you listen to podcasts:
https://www.buzzsprout.com/2047421/14106808

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A huge thank you to our Season 2 sponsor, Guardian Asset Management -

Guardian Asset Management is *the* one-stop shop for lenders, servicers, hedge funds, residential and commercial property investors, and government entities that need a full suite of property management solutions under one roof.

Happy Thanksgiving from What the M!

Kent and Steve wanted to drop in and thank all of the listeners for your support. It's been a great first year for the podcast and we look forward to many more!

For this week's holiday episode, Kent and Steve flash back to one of What the M's most popular episodes from Season 1 - "Latinas in Power."

The Latinas in Power ("LIP") include Emily Chavarriaga, Jackie Vazquez, and Rosalie Escobedo. You won’t want to miss hearing the LIP ladies share about the fun they have together, the way they champion each other’s goals and dreams, and how they simply do life together and celebrate the wins, while holding each other accountable.

Emily Chavarriaga currently works as a product manager at Mr. Cooper and previously worked in various default roles at Bayview Loan Servicing for ten years. She is an ALFN Women in Legal Leadership Chair and is a leader for the Mr. Cooper women’s group. Jackie Vazquez worked as a Foreclosure Manager at Mr. Cooper for 10 years. She is an ALFN JPEG winner and previously worked in foreclosure, at a law firm, and as a loan officer before working at MRC. Rosalie Escobedo is the Director of Business Development at Mackie Wolf Zientz Mann. Before that, she worked in various industry roles at VRM Mortgage Services at CoreLogic. Prior to working in the industry, she directed law firms in their marketing and legal training pursuits. She is an ALFN WILL Chair and serves her community as a Precinct Chair and Party Leader.

Welcome to What the M, Emily, Jackie, and Rosalie!

You can listen to this week's episode of "What the M" at the link below, or wherever you listen to podcasts:

https://www.buzzsprout.com/2047421/14020325

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A huge thank you to our Season 2 sponsor, Guardian Asset Management -

Guardian Asset Management is *the* one-stop shop for lenders, servicers, hedge funds, residential and commercial property investors, and government entities that need a full suite of property management solutions under one roof.

Episode 24 - Thanksgiving - What the M Happy Thanksgiving from What the M! Kent and Steve wanted to drop in and thank all of the listeners for your support. It's been a great first year for the podcast and we look forward to many more! For this week's holiday episode, Kent an...

It’s time again… for a new episode of What the M!

This week, Kent and Steve interview Daren Blomquist, Vice President of Market Economics at Auction.com.

Daren began his career as a reporter for the Daily News Tribune, where he focused on county government and courts. He then moved on to Realty Trac, where he rose from Customer Service Representative to Director of Marketing Communications, focusing on mortgage trends nationwide. In 2012, he became Senior Vice President of Communications at ATTOM Data Solutions and reported on housing trends, cash and investor purchases, housing risks, default trends, and more. These reports have been cited by thousands of media outlets nationwide, including The Wall Street Journal, The New York Times, and USA TODAY. Daren also served as Executive Editor of the Housing News Report, which was named best newsletter by the National Association of Real Estate Editors in 2015 and 2016.

In 2019, Daren transitioned to Auction.com, where he focuses on analyzing and forecasting complex macro and micro-economic data trends within the real estate market and industry.

Daren is extremely active in the default servicing industry and routinely appears as a panelist at industry trade conventions. His expertise on today’s subject- foreclosure and economic trends and what we can expect in the year to come- is invaluable to our listeners. We are extremely fortunate to have him as a guest on the show.

Welcome to What the M, Daren!

Listen to What the M at the link below, or wherever you listen to podcasts!

https://www.buzzsprout.com/2047421/13943656

Happy Fall to all!

It’s that time again… for a new episode of What the M! This week, Kent and Steve interview Alicia Stewart, Assistant Vice President at BSI Financial Services.

Alicia has over 20 years of experience in the default servicing industry. She began her career as an AVP with Fay Servicing. She then worked for Penny Mac Loan Services as a Business Analyst. From there, she became an AVP of Default Operations for Rushmore Loan Management Service, before taking over as an AVP at BSI Financial Services. At BSI, she is the leader of their non-agency default team, with responsibilities including BSI’s foreclosure, bankruptcy and property preservation processes.

Alicia has been extremely active in the default servicing industry and recently appeared as a panelist for the Legal League in the League’s webinar series. In that webinar, Alicia spoke about how law firms and mortgage servicers can better communicate and work together. She is adept at fostering positive relationships, resolving complex issues, and optimizing operational efficiency. She believes that success is a natural outcome when we have a clear vision of our long-term goals for both our organization and ourselves. We are very excited to share Alicia's vision and expertise with our listeners.

Welcome to What the M, Alicia!

Listen to What the M at the link below, or wherever you listen to podcasts!

https://www.buzzsprout.com/2047421/13852223

It’s that time again… for a new episode of "What the M," Kent McPhail and Steve Hladik's podcast about the default mortgage servicing industry!

This week, Kent and Steve discuss the continuing surge of the post-COVID “work-from-home” movement. Their guest on the topic, Michael Merritt, is the Senior Vice President of Customer Care and Default Mortgage Servicing at BOK Financial.

Michael attended Arizona State University, where he got his BA in Organizational Leadership (Go Sun Devils!) He then received his MBA from Texas Tech and his Master’s Degree in Legal Studies from Texas A&M. Michael worked at Nationstar Mortgage and Goldman Sachs prior to moving over to BOK. Having been in the mortgage servicing industry for over two decades, Michael has valuable insight to share on the benefits and drawbacks of remote work culture, how companies can get the best work from remote or hybrid-remote employees, and how a company culture can survive- and even thrive- around this new business model.

Welcome to What the M, Michael!

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A huge thank you to our Season 2 sponsor, Guardian Asset Management.

Guardian Asset Management is *the* one-stop shop for lenders, servicers, hedge funds, residential and commercial property investors, and government entities that need a full suite of property management solutions under one roof.

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You can listen to What the M at the link below, or anywhere that you listen to podcasts!

https://www.buzzsprout.com/2047421/13768868

Welcome to Season 2 of What the M!

Last season, we were fortunate enough to interview an incredible roster of talented professionals about their insights and predictions for the default servicing industry. We wanted to kick off our new season by looking back at where the industry was a year ago versus where it is today. As one of the country’s most frequently-quoted sources on real estate, mortgage, and foreclosure trends, Rick Sharga was the natural choice to help us do so!

Rick is the CEO and President of the CJ Patrick Company, a company that specializes in market intelligence for companies in the real estate and mortgage industries. Rick has more than 30 years of experience in the real estate and mortgage industries, previously serving in executive roles for Realty Trac, Carrington Mortgage Holdings, Ten-X, and Auction.com. He is also a founding member of the Five Star Institute’s National Mortgage Servicing Association.

Welcome BACK to What the M, Rick!

You can listen to What the M at the link below, or wherever you listen to podcasts!

Episode page: https://www.buzzsprout.com/2047421/13686245

Download directly: https://www.buzzsprout.com/2047421/13686245-episode-20-rick-sharga-returns.mp3?download=true

Did you miss us?

Kent and Steve *were* taking a brief summer hiatus before Season 2 of “What the M” drops in September. But when a fascinating U.S. Supreme Court decision was issued, Kent and Steve couldn’t wait that long to talk about it with you!

In this case, Lac du Flambeau Band of Lake Superior Chippewa Indians v. Coughlin, the Court departed from prior law and abrogated the Tribe’s sovereign immunity in bankruptcy court. Kent reached out to his friend and colleague, Marilyn Lyles, for her opinion and insight into the Court’s decision, the surprising 8-1 split, and the far-reaching impact the case could have in not only bankruptcy courts, but state courts as well.

Marilyn Lyles graduated from the University of Alabama (Roll Tide!) with a BA in English and received her Juris Doctorate from the University of Akron School of Law. Marilyn’s extensive experience as both a creditors’ rights attorney and as the Assistant Attorney General of the Poarch Band of Creek Indians, make her uniquely suited to bring her wisdom to the discussion of this groundbreaking case.

Welcome to What the M, Marilyn!

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Check out "What the M" at the link below, or wherever you listen to podcasts!

https://www.buzzsprout.com/2047421/13181496

Welcome to the season finale of What the M!

Since the podcast began in September 2022, Kent and Steve have interviewed amazing, thoughtful, and brilliant guests. Each season 1 guest has been uniquely qualified to speak about different aspects of the default servicing industry, and has provided valuable information to What the M’s listeners. Each guest is unique, but they all have one thing in common: they all got to answer “The Last Question.”

At the end of each episode, Kent and Steve ask their guest: “If you could go back in time and talk with the 20-year-old version of yourself, what advice would you give that young man/woman?” The answers were so fascinating, funny, and unpredictable, we decided there was no better way to close out the season than with a compilation of the collective wisdom of these responses!

We hope you enjoy this season finale of our first season of What the M as much as we did. Season 2 of What the M will air in September, so stay tuned!

If you enjoy listening to What the M, please rate, review and subscribe wherever you listen to podcasts.

If you are interested in appearing on What the M, or have an idea for an episode, you can contact us on Facebook, Twitter, or Instagram.

https://www.buzzsprout.com/2047421/12922490

This week on What the M, Kent, and Steve returned to the faithfully commerce-driven city of Dallas, TX in anticipation of the Legal League Servicer Summit. While there, Kent met with the Latinas in Power ("LIP") for a fun evening of dinner and fantastic conversation and camaraderie, recording the podcast the next morning with Steve and a few of the LIP ladies: Emily Chavarriaga, Jackie Vazquez, and Rosalie Escobedo.

Emily Chavarriaga currently works as a product manager at Mr. Cooper and previously worked in various default roles at Bayview Loan Servicing for ten years. She is an ALFN Women in Legal Leadership Chair and is a leader for the Mr. Cooper women’s group. Jackie Vazquez is a Foreclosure Manager at Mr. Cooper and has worked there for 10 years. She is an ALFN JPEG winner and previously worked in foreclosure, at a law firm, and as a loan officer before working at MRC. Rosalie Escobedo is the Director of Business Development at Mackie Wolf Zientz Mann. Before that, she worked in various industry roles at VRM Mortgage Services at CoreLogic. Prior to working in the industry, she directed law firms in their marketing and legal training pursuits. She is an ALFN WILL Chair and serves her community as a Precinct Chair and Party Leader.

You won’t want to miss hearing the LIP ladies share about the fun they have together, the way they champion each other’s goals and dreams, and how they simply do life together and celebrate the wins, while holding each other accountable.

Welcome to What the M, Emily, Jackie, and Rosalie!

https://www.buzzsprout.com/2047421/12830454

Stay tuned for next week’s episode, you won’t want to miss it!

This week on What the M, Kent and Steve have a very special guest!

In advance of next week’s Legal League Annual Spring Summit, Kent and Steve decided that an interview with one of Legal League 100’s rising stars, Brooke Sanchez, was in order!

Brooke received her undergraduate degree from the University of South Alabama (Go Jags!) and her JD from Cumberland School of Law. Brooke represented debtors in consumer bankruptcy for more than ten years before joining Kent’s firm in 2018, shifting her focus to creditor representation.

She is now a named Partner at the firm, while continuing to manage the firm’s thriving bankruptcy department. Having been on both sides of the courtroom, Brooke has a unique perspective and knowledge base to draw from (and is a self-professed “bankruptcy geek”!)

Tune in to hear Brooke, Kent, and Steve’s lively roundtable discussion about the recent judicial crackdown on mortgage servicer notice requirements, a “sleeper” Supreme Court case that could be an industry game-changer, and other hot topics in the bankruptcy world.

Welcome to What the M, Brooke!

https://www.buzzsprout.com/2047421/12738326

This week on What the M, Kent and Steve interview Toniqua Green, Vice President of Corporate Social Responsibility at Mr. Cooper. Mr. Cooper prides itself on challenging the loan servicing status quo- so as an industry innovator, Toniqua is right at home there!

Toniqua attended Roberts Wesleyan College, where she received her Bachelors Degree in organizational management. She then earned her Masters Degree in Education from the University of Phoenix. Toniqua began her career in the default servicing industry sixteen years ago. In her current role as VP of Corporate Social Responsibility, she currently oversees Mr. Cooper’s Diversity, Equity, and Inclusion program, their Environmental, Social, and Governance Oversight, and their community relationships.

Everyone in the default servicing industry can benefit from hearing from Toniqua about the industry’s past, its future- and how everyone can make that future better and brighter.

Welcome to What the M, Toniqua!

https://www.buzzsprout.com/2047421/12603674

It's that time again... time for a new episode of What the M!

This week, Kent and Steve interview Jerry Mavellia, CEO of Guardian Asset Management Inc. Founded in 2007, Guardian has successfully managed and protected valuable assets for the US Department of Housing and Urban Development, federal, state, local government agencies, and private mortgage banks. Guardian is a passionate, forward-thinking preservation service organization specializing in timely conveyance and REO sales for the forward and reverse mortgage industry. With Jerry’s extensive background in finance and real estate, and his vision and passion for the industry, he and Guardian are a perfect fit!

Jerry has a BS from Fordham University (Go Rams!) and began his career straight out of college at JP Morgan Chase. He then founded Asset Management Specialists, Inc., before moving into his current leadership role at Guardian. Jerry has over 37 years of experience in the default servicing industry and was gracious enough to share his predictions for the housing market, the economy… and March Madness!

Welcome to What the M, Jerry!

https://www.buzzsprout.com/2047421/12495635

Episode 13 of What the M is anything other than unlucky!

This week, Kent and Steve interview Dave Van Horn, Executive Chairman of PPR Capital Management. After attending West Chester University of Pennsylvania (Go Golden Rams!), Dave got together with a couple of friends, started an entity, and grew it into a juggernaut within the mortgage and note-buying industry. PPR is now a financial services firm that primarily assists private equity funds investing in distressed residential mortgages throughout the United States, and provides top-tier business services in the areas of asset acquisitions & analytics, borrower management, document management, and client relations.

In addition to his 35 years of residential and commercial real estate experience, Dave is also a prolific writer and author who has been published in numerous industry publications and was recently invited to join the Forbes Finance Council, a community for senior leaders in finance. His unique perspective is a true asset to anyone in the industry who wants to listen and learn from the best!

Welcome to What the M, Dave!

PPR Capital Management

https://www.buzzsprout.com/2047421/12410112

Straight from the MBA in Orlando, it’s a mini-episode of What the M! (We'll try not to be TOO jealous of Kent's currently lovely locale!)

Flying solo this week while attending the Mortgage Bankers Association Conference, Kent ran into someone he just had to have on the show!

Gina Daya is the Vice President of Operations at Hello Solutions. Since 2017, Hello Solutions has made a name for itself in the default servicing industry by creating meaningful business partnerships between law firms, servicers, and investors who are dedicated to default servicing excellence.

After graduating from De Paul University (and playing goalie for their soccer team- Go Blue Demons!), Gina began working in the legal field in 2009. By the time she came on with Hello Solutions in 2022, she had done it all, working for servicers and law firms in bankruptcy, foreclosure, and client relations. Her background made her a perfect fit for Hello, and it makes her a fascinating industry guest!

Welcome to What the M, Gina!

https://www.buzzsprout.com/2047421/12316607

Hello Solutions

Happy Mardi Gras from Mobile, Alabama!

To celebrate this extra-festive season, we of course needed an extra-spirited guest. Who better than Kent McPhail himself?

Kent is the Founder and Managing Partner of McPhail Sanchez, LLC. He received his undergraduate degree from the University of Southern Mississippi (To the Top!) and his Juris Doctorate from the University of Mississippi School of Law. Upon graduation, Kent worked as in-house counsel with Blue Cross and Blue Shield of Mississippi. After settling in Mobile, Alabama, Kent practiced with a private creditor law firm for three years. This led him to open his own default servicing firm in 1994, which has been thriving ever since.

In his 35 years of practice, Kent has seen it all and has some true wisdom to share about the legal field, the default servicing industry… and how to find lessons in everyday life. Welcome BACK to What the M, Kent!

https://www.buzzsprout.com/2047421/12221720

Just in time for Groundhog Day, Kent and Steve have their own forecaster on this week’s episode of What the M. But instead of predicting the weather, this guest can predict the economy!

Rick Sharga is the Executive Vice President of Market Intelligence at ATTOM Data Solutions, a provider of comprehensive real estate data for companies in the mortgage, insurance, finance, and government markets. Rick is one of the country’s most frequently-quoted sources on real estate, mortgage, and foreclosure trends, and it’s easy to see why: he has more than 20 years of experience in the real estate and mortgage industries, previously serving in executive roles for Realty Trac, Carrington Mortgage Holdings, Ten-X, and Auction.com. He is also a founding member of the Five Star Institute’s National Mortgage Servicing Association.

With Rick’s background, position, and the breadth and depth of his knowledge of economic trends, he is uniquely situated to provide accurate and meaningful predictions with regard to the financial future of the country generally, and the mortgage industry specifically. Welcome to What the M, Rick!

https://www.buzzsprout.com/2047421/12125531