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.
The importance of being gracious in the mortgage industry
MPA Talk
12 minutes 55 seconds
2 years ago
The importance of being gracious in the mortgage industry
For this edition of MPA Talk, Kristi Hardy, SVP, sales manager and senior loan officer at Atlantic Coast Mortgage shares her best business lesson – to always be gracious in business, to be positive and ‘a shining light, for others on your team’ – and to make room for humor in your working day too. Hardy tells how she started out selling cars and worked her way up, to achieve success in the mortgage business, a career she loves and one which she hopes her sons might one day pursue.
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.
