Housing Policy Council President and former Federal Housing Finance Agency Director Ed DeMarco visited HousingWire to talk about the latest developments on the Qualified Mortgage and the Ability to Repay rule.

In this podcast episode, DeMarco talks about the shifts in the QM, and what it would mean to remove the debt-to-income requirement from Ability to Repay. Is the pricing threshold a better option, or could it be better used to determined what isn't QM, instead of what is? DeMarco explains the difference, and what his take on it is.

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This week, Carl Tyree, the executive vice president and chief sales officer at Arch MI, joins the show for a bonus episode.

Tyree is an industry titan, currently overseeing Arch MI’s sales teams and relationship strategies. Prior to joining Arch MI, he held senior sales and sales leadership roles with Republic Mortgage Insurance Company, Nomura Credit and Capital and Ocwen Financial Corporation.

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This week, Thomas Sponholtz, the CEO and chairman at Union Home Ownership Investors, discusses his industry origin story, as well as his determination to bring housing innovation to the United States. 

Additionally, Sponholtz touches base on new QM lending rules and the housing sector's emergence of alternative homeownership models, which he says will be needed to better service homebuyers. 

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This week, we’re bringing you something special – our first-ever cross over bonus episode.

In this bonus episode, Collins sits down with Phil Treadwell, the vice president of development and regional manager at Mason-McDuffie, who also happens to be the host of fellow Industry Syndicate podcast the Mortgage Marketing Expert.

The two discuss Collins’ evolution within the mortgage industry, as well as HousingWire’s emergence as a top industry publication. Additionally, Treadwell and Collins touch base on some of the industry’s hottest topics, ranging from recession fear, mortgage rates, first-time homebuyers and more.

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This week, Ben Lane, the managing editor of HousingWire, discusses Visa’s announced acquisition of technology platform and 2019 HW Tech100 winner Plaid. The agreement, which represents a total purchase consideration of $5.3 billion, enables Visa to deliver more value for developers, financial institutions and consumers, according to the company.

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This week, Bill Dallas, the president at Finance of America Mortgage and co-founder of Cloudvirga, discusses his evolution in the mortgage industry, as well as the importance of creating innovative products for today’s mortgage brokers and lenders.

Additionally, Dallas touches base on the nation’s lack of housing inventory and how the rise of homeowners aging in place is impacting origination volumes.

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This week, Phil Shoemaker, the executive managing director and chief business officer at Home Point Financial, discusses three housing trends to watch for in 2020. According to Shoemaker, the housing industry will see a boost in mergers and acquisitions, as well as broker expansions. Additionally, Shoemaker says the industry is likely to see an increase in technology in 2020.

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This week, Jonathan Corr, the president, and CEO of Ellie Mae discusses the company being acquired by Thoma Bravo, as well as Ellie Mae's recent acquisition of fintech company Capsilon. Additionally, Corr details his market outlook for 2020.

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This week, Alex Elezaj, the chief strategy officer at United Wholesale Mortgage, discusses the impact low-interest rates are projected to have on home lending. Additionally, Elezaj explains what the Federal Housing Finance Agency’s decision to increase loan limits for Fannie Mae and Freddie Mac could mean for the mortgage industry.

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This week, David Battany, the executive vice president of capital markets at Guild Mortgage, discuss the housing market’s lack of significant inventory as well as the nation’s budding market for manufactured homes. Additionally, Battany explains what the industry needs to do to get more first-time homebuyers into homes.

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