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 conversation highlights how forward-thinking leaders are transforming servicing from a compliance-driven necessity into a competitive advantage.

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 education, and shares success stories from clients who’ve dramatically transformed their financial lives. If you’ve ever considered real estate investing but felt unsure where to start, this episode is for you.

Key Discussion:

• How Zach transitioned from healthcare to real estate investing
• What “turnkey” really means—and how RTR makes it work
• The importance of strategy, education, and personalized planning
• Why out-of-state investing is less risky than it seems
• How new construction and build-to-rent models are transforming the market

Resources & Links:

• MortgagePoint Magazine
• Contact Us

Subscribe & Listen:

Available on Apple Podcasts, Spotify, Amazon Music, Google Podcasts, and iHeartRadio.

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 proactive file maintenance to avoid curtailments. Wrapping up, Kent reflects on the relationships he’s built through Legal League and how they even led to co-hosting a podcast of his own.

Key Discussion:

• Roundtable insights on payment supplements and bankruptcy
• The case for retaining default litigation in-house
• Challenges in judicial foreclosure states post-Shemi
• File maintenance and curtailment risks in GSE reviews
• Legal League relationships, education, and “What the M” podcast

Resources & Links:

• MortgagePoint Magazine
• Contact Us

Subscribe & Listen:

Available on Apple Podcasts, Spotify, Amazon Music, Google Podcasts, and iHeartRadio.