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.
In the spotlight for this week’s MPA Talk is Jason Will, who is senior vice president of growth at Embrace Home Loans, and based in Tampa, Florida. Will reflects on how his late mother, who was a realtor, inspired him into the world of property finance, at the tender age of 18. “The entire time that I was growing up I just saw her in an entrepreneurial spirit,” he says, “persevering and testing and trying and failing and succeeding in different things.” Her “determination and grit”, as Will puts it, still informs his mindset today.
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.
