The mortgage industry is at a pivotal crossroads. After years of volatility and uncertainty, 2025 is closing with renewed optimism as interest rates begin to slide and the market shows signs of a reset. For mortgage professionals, this moment brings both fresh challenges and exciting opportunities. Understanding how to navigate shifting borrower expectations, heightened rate sensitivity, and the rise of non-QM products is critical to staying ahead in a rapidly evolving landscape.
In this episode of MPA Talk, Matt Sexton sits down with Tom Hutchens, President of Angel Oak Mortgage Solutions and a nationally recognized leader in non-QM lending. Together, they unpack the latest market trends, discuss how originators can adapt to changing conditions, and explore why non-QM loans are becoming indispensable tools for today’s mortgage professionals.
What you’ll gain from this episode:
•How to capitalize on sliding mortgage rates: Learn why even small rate drops are sparking a surge in refinancing and how to position yourself for success.
•Winning strategies for originators: Discover proven communication tactics and business development moves that top producers are using to stay competitive.
•The expanding role of non-QM loans: Understand why non-QM products are filling critical gaps in the market and how they can help you serve a broader range of clients.
•Managing borrower rate sensitivity: Get expert advice on handling the new wave of refinance-ready borrowers and the challenges of heightened rate sensitivity.
•What’s ahead for 2026: Hear predictions on interest rates, employment trends, and the future of mortgage lending from one of the industry’s top voices.
Ready to future-proof your business and lead in the next era of mortgage lending? Tune in now and get the expert insights you need to thrive – listen and learn from the best in the business.
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The mortgage industry is at a pivotal crossroads. After years of volatility and uncertainty, 2025 is closing with renewed optimism as interest rates begin to slide and the market shows signs of a reset. For mortgage professionals, this moment brings both fresh challenges and exciting opportunities. Understanding how to navigate shifting borrower expectations, heightened rate sensitivity, and the rise of non-QM products is critical to staying ahead in a rapidly evolving landscape.
In this episode of MPA Talk, Matt Sexton sits down with Tom Hutchens, President of Angel Oak Mortgage Solutions and a nationally recognized leader in non-QM lending. Together, they unpack the latest market trends, discuss how originators can adapt to changing conditions, and explore why non-QM loans are becoming indispensable tools for today’s mortgage professionals.
What you’ll gain from this episode:
•How to capitalize on sliding mortgage rates: Learn why even small rate drops are sparking a surge in refinancing and how to position yourself for success.
•Winning strategies for originators: Discover proven communication tactics and business development moves that top producers are using to stay competitive.
•The expanding role of non-QM loans: Understand why non-QM products are filling critical gaps in the market and how they can help you serve a broader range of clients.
•Managing borrower rate sensitivity: Get expert advice on handling the new wave of refinance-ready borrowers and the challenges of heightened rate sensitivity.
•What’s ahead for 2026: Hear predictions on interest rates, employment trends, and the future of mortgage lending from one of the industry’s top voices.
Ready to future-proof your business and lead in the next era of mortgage lending? Tune in now and get the expert insights you need to thrive – listen and learn from the best in the business.
For this MPA Talk, we meet Damon Germanides, a broker who specialises in complex loans, particularly for those who are self-employed. He cut his teeth in the last big financial crisis of 2008, before co-founding Insignia Mortgage in Beverly Hills, California. Beginning slowly, the company established relationships with smaller banks and credit unions, to build the business to where it is today. The son of a restaurant owner, Germanides likens the mortgage industry to the restaurant industry in terms of the tough challenges it presents – it's been his driving force to succeed.
MPA Talk
The mortgage industry is at a pivotal crossroads. After years of volatility and uncertainty, 2025 is closing with renewed optimism as interest rates begin to slide and the market shows signs of a reset. For mortgage professionals, this moment brings both fresh challenges and exciting opportunities. Understanding how to navigate shifting borrower expectations, heightened rate sensitivity, and the rise of non-QM products is critical to staying ahead in a rapidly evolving landscape.
In this episode of MPA Talk, Matt Sexton sits down with Tom Hutchens, President of Angel Oak Mortgage Solutions and a nationally recognized leader in non-QM lending. Together, they unpack the latest market trends, discuss how originators can adapt to changing conditions, and explore why non-QM loans are becoming indispensable tools for today’s mortgage professionals.
What you’ll gain from this episode:
•How to capitalize on sliding mortgage rates: Learn why even small rate drops are sparking a surge in refinancing and how to position yourself for success.
•Winning strategies for originators: Discover proven communication tactics and business development moves that top producers are using to stay competitive.
•The expanding role of non-QM loans: Understand why non-QM products are filling critical gaps in the market and how they can help you serve a broader range of clients.
•Managing borrower rate sensitivity: Get expert advice on handling the new wave of refinance-ready borrowers and the challenges of heightened rate sensitivity.
•What’s ahead for 2026: Hear predictions on interest rates, employment trends, and the future of mortgage lending from one of the industry’s top voices.
Ready to future-proof your business and lead in the next era of mortgage lending? Tune in now and get the expert insights you need to thrive – listen and learn from the best in the business.
