In this powerful episode of the podcast, we sit down with Mosi Gatling, Senior Vice President of Strategic Growth and Expansion at New American Funding, to explore the future of homeownership in America and how the industry can take meaningful steps to close the homeownership gap.

Mosi brings over two decades of mortgage industry expertise and has built an impressive career as a dynamic speaker, coach, and leader. She’s been consistently recognized among the top 1% of mortgage originators by Scotsman Guide, with a proven track record of helping families achieve their dreams of owning a home. Her passion lies in creating accessible, affordable, and sustainable homeownership opportunities, especially for underrepresented communities.

As the driving force behind initiatives like New American Funding's Black Impact program and the Housing Advocate Certification training, Mosi has been on a mission to empower both industry professionals and prospective homebuyers. These programs equip loan officers and real estate agents with the tools, knowledge, and cultural competency they need to effectively serve minority homebuyers, particularly in the Black community.

In this conversation, Mosi shares insights into how lenders, agents, and policymakers can work together to remove barriers and ensure that homeownership becomes a reality for more families across the nation. She also opens up about her personal journey, her passion for education, and why she believes in empowering the next generation of homeowners.

Key topics we explore in this episode include:

• Strategies for increasing sustainable homeownership.

• The importance of financial literacy and education in building wealth.

• How loan officers and real estate agents can serve diverse communities more effectively.

• Breaking down systemic barriers to create real, lasting impact.

• Why now is the time to act boldly for the future of housing.

Mosi’s efforts have not gone unnoticed. In 2025, she was honored with the Beverly Faull Affordable Housing Leadership Award and received her second consecutive HousingWire Women of Influence Award. She also serves on the board of FirstHome IQ, a nonprofit dedicated to providing education and resources for the next generation of homeowners.

This episode is a must-listen for mortgage professionals, real estate leaders, and anyone passionate about expanding homeownership opportunities in America. Mosi’s leadership and vision are inspiring a movement where every family has the chance to achieve stability and wealth through owning a home.

We couldn’t bring you this show without the support of our incredible sponsors:

• Mortgage Connect – A leading provider of innovative mortgage solutions and closing services that streamline the home buying process.
  Visit: https://www.mortgageconnectlp.com

• Aidium – The ultimate CRM for modern mortgage professionals, designed to help teams connect with clients and close more loans efficiently.
  Visit: https://www.thinkaidium.com

• Floify – A trusted point-of-sale solution that helps lenders deliver a seamless digital mortgage experience to their borrowers.
  Visit: https://www.floify.com

• TrueWork – Simplifying employment and income verification for lenders to speed up approvals and reduce friction in...

This week’s episode takes us through a deep, eye-opening conversation with Kevin Peranio, Chief Lending Officer of Paramount Residential Mortgage Group (PRMG). Kevin reflects on a career rooted in adapting, learning, and leading through nearly two decades of seismic shifts in the mortgage industry—from regional markets to nationwide lending cycles.

Kevin’s journey begins in 2001, when he helped expand First Magnus Financial throughout Texas and Florida. As both a launchpad and learning ground, these regional markets taught him the power of regulation, local demand dynamics, and credit evolution—especially as the Community Reinvestment Act influenced lending, independent mortgage bankers rose to prominence, and credit standards expanded.

He then walks us through the factors behind the global financial crisis—risky lending, shifting consumer behavior, big bank practices, and failing oversight—and how those lessons reshaped how lenders should act responsibly. Kevin brings this full circle with the story of North Star Lending, where he served as COO from 2007–2010, rebuilding trust and standards through lean operations and smarter lending after the crash.

Today, Kevin runs the loan process at PRMG with precision—focusing on customer satisfaction and quality control across the board. His experience and leadership offer rare clarity on how to lead lending not just with volume, but with integrity and foresight.

Topics Covered:

• The 2000s real estate boom through regional lenses: Texas vs. Florida

• How lenders balanced community mandates, market expansion, and credit risks

• The origins and impact of the 2008 crisis—then and now

• Building a post-crisis lending business centered around culture, efficiency, and service

• Kevin’s vision for PRMG’s future—balanced, customer-first growth with resilient processes

This episode is essential for originators, executives, and anyone wondering how mortgage leadership evolves in the wake of disruption. Kevin’s story is a reminder that leading lending is equal parts strategy, experience, and responsibility.

About Our Sponsors

• Mortgage Connect – A full-service mortgage solutions partner delivering end-to-end support across closing, title, valuation, and loss mitigation. Visit https://www.mortgageconnectlp.com

• Aidium – Modern CRM and lead management tools built specifically to help mortgage professionals streamline pipelines and grow business. Visit https://www.thinkaidium.com

• Floify – A leading mortgage point-of-sale platform making it easier for lenders, borrowers, and agents to manage digital loan applications from start to finish. Visit https://www.floify.com

• Truework – Employment and income verification solutions built for fast, secure lender access to trusted borrower data. Visit https://www.truework.com

• FundingShield – Advanced risk detection and borrower identity verification tools tailored for mortgage and commercial lending. Visit https://www.fundingshield.com

What does it really take to make homeownership possible for millions of Americans—especially Gen Z, first-time buyers, and families often overlooked by the traditional system? This week, we’re joined by two of the industry’s most passionate voices: Dave Savage and Kristin Messerli, co-founders of FirstHome IQ, a nonprofit on a mission to deliver financial education and empower five million young adults with the tools to become homeowners.

Dave is a legend in mortgage education, known for founding Mortgage Coach and now serving as Chief Innovation Officer at TrustEngine. Over the course of his career, Dave has:

• Conducted over 1,000 interviews with top industry leaders

• Built the Mortgage Coach YouTube channel into a leading training platform for loan officers

• Championed financial literacy as a core mission, believing loan officers are on the frontlines of helping families make smarter financial decisions

• Co-founded FirstHome IQ to tackle the financial literacy gap for Gen Z and first-time buyers

His mantra is simple: Technology won’t replace loan officers—but loan officers who master technology will replace those who don’t.

Kristin’s journey began in social work, where she specialized in serving immigrant and unhoused communities. From there, she launched Cultural Outreach, a groundbreaking multicultural marketing agency, later acquired by NAMMBA. Today, as co-founder of FirstHome IQ, she’s using her voice to bridge the trust gap many consumers feel when it comes to money and financial institutions.

Kristin brings her TRUST Framework and personal experience with financial anxiety into her work, creating tools and strategies that resonate with modern consumers. She believes in radical acceptance, authentic education, and turning complex financial decisions into approachable, confidence-building steps.

• The real state of financial literacy among Gen Z and first-time homebuyers

• Why 5 million young adults are at the center of Dave & Kristin’s vision

• How FirstHome IQ is rewriting the playbook on financial education

• The role of technology, storytelling, and trust in shaping tomorrow’s mortgage industry

• Why relationships—not just rates—will define the future of lending

• The personal stories and leadership philosophies that drive Dave and Kristin

This episode is part education, part inspiration, and all about the mission: building a generation of confident, informed homeowners.

• Mortgage Connect delivers a full suite of innovative mortgage services designed to help lenders and servicers exceed borrower expectations. Learn more at https://www.mortgageconnectlp.com

• Aidium helps mortgage professionals manage leads and relationships with a powerful CRM built for the modern loan officer. Learn more at https://www.thinkaidium.com

• Floify streamlines the loan process with intuitive digital tools for borrowers, lenders, and Realtors—making the mortgage journey faster and easier. Learn more at https://www.floify.com

This episode welcomes an industry original—Khash Saghafi, founder and CEO of Liberty Home Mortgage—to unpack why, even after 25 years in lending, he still believes “It is always a great day.”

Khash isn’t just known for his longevity—he’s built a reputation as the problem solver for homebuyers, whether they have perfect credit or have been turned away elsewhere. His direct-lender model specializes in conventional, VA, FHA, and USDA purchase loans across 45 states, plus rehab, debt consolidation, and options for hard-to-document borrowers.Liberty's core values reflect Khash’s leadership philosophy: Empowering People First. The company fosters a workplace built on open communication, adaptability, initiative, collaboration, and work–life balance—all designed to keep innovation alive while prioritizing well-being.

Khash’s reach extends beyond transactions. With over 800 videos and a loyal YouTube following, he’s created a home-buying headquarters that educates and inspires a broad audience—making the market smarter, one video at a time.

• Why mornings still matter, even in a career that has spanned decades.
  What does “It is always a great day” mean to someone who’s built from the ground up?

• How Liberty handles the toughest cases.
  Conventional, VA, FHA, USDA, debt consolidation—Khash’s team makes the near-impossible happen.

• Culture over everything.
  Liberty’s values aren’t just words—they guide decision-making, innovation, and trust across the organization.

• Why Khash built his brand on education.
  He shares how his YouTube channel became an authentic outreach tool—not just for leads, but for clarity, learning, and connection.

• Advice for emerging leaders.
  From navigating tough deals to building a culture of empowerment, Khash lays out actionable insights for anyone building or scaling in mortgage.

Whether you’re a borrower, originator, or industry leader, this episode gives you practical wisdom from someone who’s still excited to get started each day—NO matter how long he’s been doing it.

• Mortgage Connect delivers a full suite of mortgage services built on innovation and customer focus. Visit https://www.mortgageconnectlp.com

• Aidium powers mortgage professionals with smart CRM solutions that simplify lead management and drive more business. Visit https://www.thinkaidium.com

• Floify streamlines the loan process end-to-end with digital tools that boost efficiency for Realtors, borrowers, and lenders. Visit https://www.floify.com

In this inspiring and refreshingly candid conversation, we step into the shoes of Mariana Martinez, a student-athlete turned mortgage industry insider, whose career journey began as an intern at Easy Mortgage App and evolved into a pivotal role managing operations for the Mike’d Up Show. Born in Mexico and thriving at Texas Christian University, Mariana didn’t follow the typical corporate ladder — she leapt into the deep end of a bootstrap tech startup and learned to swim fast.

From navigating the uncertainty of her first internship to balancing athletics, academics, and professional responsibilities, Mariana shares the real, unfiltered experiences of a Gen Z professional entering an industry often associated with older generations. She opens up about the cultural adjustments, mindset shifts, and personal growth moments that shaped her journey — from overcoming a devastating athletic injury to learning how to thrive under the leadership of driven, unconventional mentors.

Listeners will hear Mariana’s perspective on:

• Taking risks early — saying “yes” before you’re ready and growing into the role.

• The pros and cons of working in a fast-moving, high-expectation startup vs. a traditional internship.

• Lessons from athletics that translate to mortgage teams — teamwork, resilience, and handling change.

• Communicating with industry titans as a young professional without letting the titles intimidate you.

• What Gen Z looks for in mortgage companies — and how leaders can make their organizations attractive to the next wave of high performers.

• Leveraging internships as a launchpad for confidence, career clarity, and even graduate school.

This episode is more than a career story — it’s a guide for leaders who want to connect with young talent, for students wondering how to break into competitive industries, and for anyone who believes fresh perspectives are the fuel for innovation.

Mortgage Connect – A national mortgage services provider offering a full suite of solutions for the mortgage, finance, and real estate industries. Learn more: https://www.mortgageconnectlp.com

Aidium – A next-generation CRM platform built for mortgage professionals, designed to streamline workflows, nurture leads, and close more loans. Learn more: https://www.thinkaidium.com

Floify – The leading point-of-sale solution that simplifies the mortgage process for lenders, borrowers, and real estate agents through secure document management and automated workflows. Learn more: https://www.floify.com

This week on the podcast, we welcome Kate Amor, Senior Vice President and Head of Enterprise Products at Guaranteed Rate, to talk about leadership, trust, and building connection in an industry where relationships are everything.

Kate’s career started right out of college as a mortgage loan officer—a role that gave her firsthand experience in understanding the challenges borrowers face and the deep importance of earning trust at every step. Over time, she advanced into operations, risk, credit, and capital markets, eventually landing in product strategy and development. Today, she leads Guaranteed Rate’s loan product strategy nationwide, shaping the offerings that thousands of loan officers use to serve their clients every day.

But Kate’s story is about more than just products and processes—it’s about building trust that lasts. She shares how she uses authentic leadership, resilience, and energy as her professional “superpower” to inspire those around her and rally teams behind big initiatives. Her bright spark, as she calls it, creates momentum and helps transform obstacles into opportunities for growth and connection.

In this episode, we dive into:

• How trust and authenticity form the foundation of meaningful client and team relationships.

• The power of resilience and mindset in navigating change and evolving housing market cycles.

• Kate’s three pillars for women in mortgage: know yourself, find your tribe, and take inspired action.

• Why leadership isn’t about hierarchy—it’s about empowering others and leaving lasting impact.

• How Guaranteed Rate’s approach to innovation and enterprise products helps create a better experience for both borrowers and loan originators.

Kate also opens up about pivotal moments in her career, from early days of learning the business on the front lines to stepping into executive leadership. She talks about how to show up as your authentic self, the importance of surrounding yourself with people who lift you up, and why success is ultimately about empowering others to improve their lives, their communities, and the ecosystems we serve.

If you’re looking for inspiration on how to grow your career, lead with authenticity, and build relationships that stand the test of time, this episode is one you don’t want to miss.

• Mortgage Connect: Delivering customized solutions across the mortgage lifecycle with best-in-class service and innovative technology. Visit https://www.mortgageconnectlp.com

• Aidium: Helping mortgage professionals thrive with intuitive, modern CRM tools built to manage leads, nurture relationships, and close more deals. Visit https://www.thinkaidium.com

• Floify: A leading point-of-sale platform designed to streamline the mortgage process, from application to closing, making lending faster and easier for everyone. Visit https://www.floify.com

This week on the show, we’re diving into a conversation that connects leadership, capital markets, and representation in mortgage finance. Our guest, Deborah (Deb) Jones, Senior Vice President and Director of Mortgage Secondary and Capital Markets at Citizens, brings over 21 years of experience guiding clients and organizations through one of the most dynamic industries in financial services.

Deb’s career spans multiple housing and economic cycles, giving her unique insight into how mortgage markets shift with interest rates, housing inventory, and national economic trends. As the Head of the Mortgage Bankers Association Secondary and Capital Markets Committee, Deb has been a voice for balanced growth, informed policy, and inclusion in an industry that directly affects millions of homeowners.

In this episode, we cover:

• Where mortgage capital markets are headed in 2024 and beyond – including what rising and falling interest rates could mean for borrowers and lenders alike.

• How inventory shortages and affordability challenges are reshaping mortgage strategies and why underserved markets face unique pressures.

• Why representation matters in leadership and capital markets, and how diversity of thought and experience leads to stronger, more resilient organizations.

• Deb’s professional journey – from building a referral-based client business to leading at the executive level.

• Lessons learned from past market cycles and what today’s professionals can take from them.

Deb also shares why she believes 2024 will be a transition year for the industry and why we may see strategic refinancing for recent high-rate loan vintages. She explains how she and her peers view opportunities for borrowers, lenders, and investors as the market adjusts, and why 2025 might look like a “new normal” for purchase markets.

This conversation is not just about numbers and forecasts – it’s about people, opportunity, and inclusion in one of the most important sectors of the economy. Whether you’re a loan officer, capital markets professional, mortgage leader, or someone simply curious about what drives home financing in America, this episode gives you insights you can put to work right now.

About Our Sponsors

• Mortgage Connect: Delivering customized solutions across the mortgage lifecycle with best-in-class service and technology. Visit https://www.mortgageconnectlp.com

• Aidium: Helping mortgage professionals thrive with intuitive, modern CRM tools built to manage leads, nurture relationships, and close more deals. Visit https://www.thinkaidium.com

• Floify: A leading point-of-sale platform designed to streamline the mortgage process, from applicatio...

This week, we sit down with Andrew Panagos, President of GO Mortgage, for a no-fluff, high-insight conversation on what it really takes to lead a modern mortgage company in today’s shifting landscape. With a career that spans powerhouse brands like Fairway, PHH, Deutsche Bank, and H&R Block Mortgage, Andrew brings over two decades of cross-channel experience—retail, wholesale, direct-to-consumer—and a deep operational mindset grounded in systems, scale, and strategic precision.

As the head of GO Mortgage, Andrew is steering a lean, performance-focused machine. But what sets him apart isn’t just his resume—it’s his ability to zoom in on execution without losing sight of people and vision. From managing billion-dollar pipelines to shaping sales, fulfillment, and servicing workflows, Andrew has lived the grind and seen what separates the good from the great.

In this episode, we get into:

• ️ How Andrew built and scaled multi-billion-dollar lending operations without sacrificing speed or service.

• Why compliance isn’t just a checkbox—but a strategic lever for innovation and market trust.

• Leadership lessons learned from a career leading massive teams and navigating changing markets.

• Tech adoption in mortgage: where it works, where it fails, and how to keep it practical.

• Recruiting the next generation of mortgage talent and building a team that outperforms.

• The case for process, systems, and a “no heroics” culture in high-volume lending.

• What the future of the mortgage industry looks like through Andrew’s lens.

With his background as a Six Sigma Black Belt and Harvard Business School alum, Andrew offers a unique blend of performance engineering and leadership wisdom. Whether you're in the trenches of originations or making executive decisions about growth and tech stack, this episode gives you an inside look at what operational excellence looks like at the top.

About Andrew Panagos:
President of GO Mortgage. Former leadership roles at Fairway, PHH, NOIC, Deutsche Bank, Servion Group, and more. Specializes in building scalable mortgage platforms, managing $4B+ pipelines, and leading with precision and people-first execution.

Special Thanks to Our Sponsors:

• Mortgage Connect: A national mortgage services provider offering end-to-end solutions with a focus on compliance, innovation, and customer service.

• Aidium: The all-in-one CRM built exclusively for mortgage professionals. Automate workflows, boost productivity, and close more loans—with less chaos.

• Floify: A leading point-of-sale platform that streamlines the loan process for LOs, borrowers, and real estate agents. From application to closing, it’s mortgage simplified.