In this episode of Mortgage Tech Talks, Tom dives into the future of Canadian housing—and shares a bold theory: government-built homes might just become a new asset class.

He also breaks down the latest in mortgage tech innovation, including a deep review of Pineapple Plus, the all-in-one platform making waves in the broker space. Plus, he covers big leadership moves in the mortgage industry and what they could mean for tech adoption across brokerages.

Whether you're a mortgage broker, industry insider, or just want to stay ahead of what's next in real estate, this episode is packed with insight.

📌 Timestamps:

00:00 – Will government-built homes become a new asset class? 01:09 – Intro & today’s episode overview 02:08 – Pineapple Plus platform: first impressions 04:05 – Key features: CRM, client applications, centralized underwriting 05:19 – Google Drive integration + seamless doc management 05:56 – The paradox of “all-in-one” mortgage systems 07:48 – Simplicity vs. complexity in mortgage software 08:07 – Industry update: Chris Turcotte moves from Centum to TMA 09:18 – Why better tech is influencing brokerage leadership 10:20 – The rise of Velocity and brokerage-led tech tools 11:04 – “Championship teams” vs. “family” in company culture 12:12 – New leadership at Centum: Adrian Schulz steps up 13:14 – Mortgage Monitor: tech tools that analyze your book 14:34 – Will Adrian's promotion help or slow tech innovation at Centum? 14:53 – Political lens: Liberal housing plan & market impact 16:13 – Why 500,000 government-built homes might shift the asset landscape 17:52 – How a new asset class could protect home equity + create opportunity 18:25 – Final thoughts: what it all means for mortgage professionals 19:16 – Closing remarks + comments welcome

💡 Like this episode? Subscribe and comment your thoughts on government-built housing or all-in-one tech platforms for brokers. Your feedback helps shape future discussions!

#mortgagebroker #realestatecanada #mortgagetech #canadianhousing #mortgagepodcast #realestateinvesting #brokerlife

A bloated feature list doesn’t mean better tech. In this episode of Mortgage Tech Talks, Tom sits down with Carter Zimmerman, of Finmo, to unpack what actually makes mortgage software successful.

Carter shares how Finmo went from idea to industry leader by focusing on user experience, simplicity, and doing fewer things better.

They cover: – The myth of the all-in-one system – Why open platforms win long term – What AI tools brokers are already using – How competition fuels innovation in Canadian mortgage tech – And how Carter’s past in marketing shaped Finmo’s product vision

If you’ve ever asked “why can’t my tech just work?”, this episode is for you.

TIMESTAMPS: 00:00 – “Just because you have the features… doesn’t mean you have the features.” 01:16 – Carter’s origin story: from Facebook ads to Finmo 04:21 – The shocking state of mortgage tech in 2017 06:56 – How early feedback loops built Finmo fast 09:57 – Why trying to solve everything at once kills momentum 11:52 – The role of rest, flow state, and personal performance 14:14 – Using competitiveness as a mindset advantage 17:00 – “We’re not finding our foothold—we’re building a mountain.” 19:36 – The myth of the all-in-one platform 23:36 – Why UX feature checklists in 2025 mortgage tech 27:37 – What brokers really want and why execution wins

Connet with Carter Zimmerman https://www.linkedin.com/in/carter-zimmerman-7753495b/

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In this episode of Mortgage Tech Talks, Tom Hall (BluMortgage) sits down with Joe Fakhri, founder of Axiom Innovations—the tech company behind Scarlett Mortgage, Scarlett Pay, and more.

Joe shares his entrepreneurial journey, how he risked it all to build one of Canada’s most innovative mortgage tech platforms, and why machine learning—not just ChatGPT—is the real future of AI in our industry.

From product innovation and automation to the evolving role of leadership in scaling tech companies, this is a must-watch for anyone serious about the future of mortgage and financial services.

🔔 Don’t forget to subscribe for more insights on mortgage tech and industry innovation.

⏱️ Timestamps

00:00 – AI won’t replace you—but people who use AI will 00:38 – Intro to Mortgage Tech Talks & guest Joe Fakhri 01:00 – How Joe started Axiom & the origin of Scarlett 05:00 – Leaving a secure job to build Scarlett: the leap 10:00 – Living off savings for 4 years to build something great 12:00 – Building a "machine" of people and tech 14:00 – Why innovation needs to reduce friction—not add it 18:00 – The difference between machine learning & generative AI 21:00 – How Scarlett Genius uses data to recommend lenders 25:00 – Transitioning out of the CEO role: Joe’s leadership evolution 32:00 – Why trust and humility are crucial in fast-growing companies 34:00 – Joe’s take on the Internet revolution—and how AI compares 37:00 – The difference between machine learning vs ChatGPT-style AI 41:00 – What the next 24 months of real AI adoption will look like 46:00 – Final thoughts: picking trusted partners in a noisy AI market

💡 Want to connect with Joe?

https://www.instagram.com/scarlettnetwork/

https://www.linkedin.com/company/scarlettnetwork/

https://www.facebook.com/ScarlettNetwork