The discussion will focus on a new program to help borrowers benefit from positive rent payment history.
Want to know more about Christy Moss?
Click here to read more on this podcast!!
Fannie Mae Positive Rent Payment History Program With Christy Moss
Welcome, everybody. It’s good to have you with us. It’s Monday, October 11th, 2021, one week ahead of the National MBA Conference. We are so excited to have you reading the show. I appreciate it very much. We create this show for mortgage professionals and we do it as mortgage professionals. Our commitment is to bring you timely information and do so in an audio format that you can listen to at any time and anywhere. Our downloads are going up.
We have had a 400% increase in downloads so something’s going on. We are appreciating it so tell others about it. It’s a great way to get information, especially for new people coming into the industry and wanting to get their heads wrapped. What’s going on in the industry and then they can go back in time and read the show.
I’ll never forget the time when I was at Thomson Reuters in New York. This guy walked out to me and says, “I’ve been listening to your show.” He walked out to me and says, “I’m head of everything electronic here. Someone suggests I start listening to your show. I started listening to the most recent and I had an hour train ride into the city and an hour train ride out of the city. I listened to your show for one hour, coming to work and going home from work. I’m two and a half years into the show and you have helped me learn the mortgage industry.”
I say that for you to re-realize this is a valuable tool that you can use to get an update on what’s going on in the industry. We appreciate it. Thank you so much. It’s happening. Our audience is way up because of the Industry Syndicate. We’re a part of that. We get our show promoted on that, as well as other channels. We want to say a special thank you to our sponsors, the Mortgage Bankers Association of America.
I’m doing an episode with Finastra, which is the next sponsor I want to say thank you to. I’m doing a webinar for Finastra and we’re doing it for the American Bankers Association, ABA Webinar, talking about leadership in the mortgage banking space, especially in the regulated world. For those of you that want to tune in, be sure to request or sign up for the webinar by going to the Finastra website.
Also, thank you to Lenders One and The Mortgage Collaborative. Both of these coops do a great job of helping you get to be up close and personal with other vendors. It doesn’t replace the MBA as I always say but it doesn’t allow you to get into a setting where you’re able to talk one-on-one with your peers more practically. I encourage you to check that out.
Pete Mills does a great job for the independent mortgage bankers bringing them all together and that’s thanks to Bill Cosgrove who started that when he was President of the MBA. Also, The Community Mortgage Lenders of America. I’m grateful for their support, as well as Insellerate. Josh Friend at Insellerate does have one of the coolest technologies out there for helping with engagement with the borrowers. It doesn’t have to be just a consumer direct. It’s anytime you’re connecting with a borrower or leads that you’ve had systems in there.
I got to put in a plug for Sales Boomerang. When you combine Sales Boomerang with Insellerate, it’s a powerful tool in helping you connect with people. If you’re looking for how to train people, check out Knowledge Coop. Ken Perry’s got a great product there and helping you teach. It’s called the Learning Management System. Mobility MI, Mobility Market Intelligence, does a good job as well as Modex for creating data, giving you data on what’s being funded and by whom, whether it be realtors, builders or mortgage loaners. It’s a great tool.
To our friends at Snapdocs. It’s so great to have them as a sponsor of the show. Amy Moses and the team there at Snapdocs got a great vision and I am impressed with the vision that they have. You got to go get to know them because the name does not describe all that they do. There are fast leaders and becoming even greater leaders in the mortgage space. Check that out. I want to say special thank you to Rob Van Raaphorst, Les Parker, Alice Alvey, Allen, Matt and Jack for their contributions to the show every week.
We’re looking at the Lending Hot Topic segment. We’re excited to have Christy Moss joining us. She is CMB Head of Sales and Marketing at FormFree. We’re pleased to have them as a sponsor and I am so excited about the things they have going on there. Jack Nunnery and I caught up with Christy and we pre-recorded an interview. You’ll find it very interesting.
I’m excited to have to join us from FormFree, one of my favorite people on the planet, Christy Moss. The energy she brings to the room when she enters. They’re taking pictures and posting on Facebook and LinkedIn. She is legendary. She is a one-man PR firm and I’m excited to have you, Christy, joining us.
Thank you so much, David. I am thrilled to be here participating in your show. Talking about legendary, being asked to participate in this show is one of the top things on my to-do list so thank you for the invitation.
Before we go too much further, I got to also introduce Jack Nunnery who’s joining us in the interview. He’s another legend in the industry. I’m so glad that he is participating with me in the show and specifically this interview. Jack, thank you for joining me.
It’s my pleasure, David. I’m excited to talk to Christy about FormFree as well.
FormFree is doing so many innovative things, Christy. Before we go there, many of us knew you at Fannie Mae and your time there. You were featured several times on the show when you were a part of Fannie Mae, Beth Millstein and the whole Fab Five to talk about getting approved with Fannie Mae. I got to ask you this question.
I’m sure many of our readers know you and love you so well. You are that kind of person. You don’t have any enemies. You’re well-liked and respected in the industry but talk about you leaving Fannie Mae to come to FormFree. You did such a great job at Fannie Mae. This has got to have been one of those, “I can’t pass up this opportunity because of what’s going on FormFree,” but in your words, why did you end up leaving Fannie Mae to join FormFree?
I love talking about what Fannie Mae gave to me during the eleven years I was there. I was so fortunate to work with some amazing leaders, including Beth Millstein. I loved your episode on Leadership with Beth. In Fannie Mae post-crisis, the agencies were focused on innovative technology to help lenders create efficiency, improve borrowing experience and mitigate risk post-crisis.
It was an amazing time there at Fannie Mae but what I saw was it lit a passion for data technology that I didn’t think I had. Understanding how technology and data can impact a lender’s operations. The ability to serve consumers differently was amazing. Through that experience at Fannie, I met Brent Chandler, the Founder and CEO, who opened up a whole new aspect of using data and technology involved in the industry that I was so passionate about.
Being at Fannie in that time, when you’ve been in this industry for many years, you could get easily caught up in doing things the same way you’ve always done them. Fannie Mae with their innovative look at how can we create a better lending industry introduced FormFree to me. That’s when I fell in love with Brent and the power of data intelligence. FormFree has a deep understanding of consumer data, where it resides, how to gain access to it and how to make it actionable for lenders and investors. When we collectively as an industry understand the borrower’s ability to pay, we can make better-informed credit decisions for all consumers.
Fannie Mae is well known for the innovative things that they’ve put in place and what they did with bringing in automated underwriting decisions in the US. All the things that the leading innovation that they brought to our industry has been a value to many homeowners. What we’re all ultimately passionate about is helping the homeowner create an experience. It’s some of the things that you are doing with Brent. One of the reasons I can understand so well why you fall in love with Brent is because of the type of person he is, as well as his innovation.
The innovation lines up nicely with what you have been experiencing for eleven years at Fannie Mae. He has truly got innovation and ideas that are so legendary. On September 18th, 2021, Fannie Mae launched a new program to help borrowers benefit from a positive rent payment history. I’m excited to hear what you’re doing and how Form Free is getting around this latest launch. Can you talk about that and share how you guys are working with Fannie Mae?
This is a huge step in utilizing data and data intelligence in the credit evaluation or credit assessment process. The positive rent payment history DU enhancement went into effect on September 21st, 2021. In addition to utilizing data differently, this is a huge step toward inclusion. In our industry, we’re focused on how can we drive inclusion in affordable lending to help borrowers meet their financial goals of home ownership. This is a great step in that direction.
Essentially, how it works is for qualified renters who may have a limited feature credit history. This feature helps create homeownership opportunities for first-time home buyers by considering a history of reoccurring rent payments in assessing eligibility. If through the asset data that FormFree’s account check product provides and DU can identify a minimum monthly rent payment of $300, then DU will assess that asset data and create eligibility for automated underwriting. What this means for lenders is that lenders will get that approved eligibility in the AUS DU versus having to go through manual underwriting eligibility, which sometimes will preclude consumers from qualifying for mortgages.
One of the factors that Fannie Mae considered when they looked at the data is fewer than 5% of renters have their rent payments reported on their credit bureau report, putting many prospective first-time home buyers at a disadvantage. Fannie Mae estimates that by incorporating rent payment history, we could potentially help 20% of the US population that has little or thin credit files. With this 20% is a group in which Blacks and Hispanics are disproportionately represented. This ties it back to that inclusion message as well as the ability to help first-time home buyers who have thin credit files.Fewer than 5% of renters today have their rent payments reported on their credit bureau report. This puts many prospective first-time home fires at a disadvantage. Click To Tweet
Thin credit files are a problem for this up-and-coming generation, other than student loan data, I’m thinking about that. Otherwise, they have a thin credit file. Jack, when you hear this, isn’t this exciting when you start looking at what this can mean for the inclusion of more borrowers and expanding the customer base?
On so many levels. We were talking in a previous episode about states in the Feds looking to include independent mortgage bankers in CRA goals. Christy’s point of inclusivity and how this impacts those markets, it’s a huge win. When you look at process and process engineering, there are three fundamental goals that you have. 1) What you do to the process can mitigate risk. 2) What you do to the process can streamline the process and drive cost efficiencies. Finally, 3) What you do to the process can enrich the consumer experience. Christy, you check all three blocks. With account checks and the specific inclusion of rental income into the calculations for the borrower.
Jack, you are so spot on. What’s so fantastic is to see how asset data and technology are being used to enrich the lives of consumers. This enhancement is so powerful because for the first time, alternative data, asset data, which is derived from consumers’ bank accounts, is being used to help determine eligibility. There are so many consumers out there who have thin credit files. They are underbanked and underserved.
When we use alternative data to determine eligibility, then what we can do as an industry is we can open up that credit box and serve more borrowers versus having those arbitrary blockers because they don’t meet the traditional underwriting methods that we’ve been using in the industry, which have been great for so long. Now that we’ve got the gig economy and people doing different things and not utilizing the tools in the financial system because of whatever happens in their lives, this is such a powerful step with the alternative data being used versus traditional credit files being used.
Christy, that is all good. I’ve heard some people express concern because the program doesn’t penalize or take the factor that borrowers have missed rent payments. Is this true? Would that introduce more risk because this is being overlooked?
It would not introduce more risks. Fannie Mae doesn’t penalize those consumers who can’t fully verify rental payment history through their verification of assets or bank data. A missing rent transaction doesn’t mean a borrower failed to pay rent by some other method. What is the verification of the asset report? Account check does. It takes all of the transactional data. Behind the scenes, DU recognizes when those rent payments are made consistently.
What that does is this enhancement will benefit when they can identify them in the asset account and will not penalize them. The borrower still has the ability to go through the standard underwriting process of manual underwriting versus going through the automated underwriting process when DU can identify those consistent monthly rent payments.
Christy, what I heard you say is that FormFree customers can use account checks to run positive rent payments through DU.
Yes. This is the easy part. FormFree customers are able to take advantage of this enhancement easily with account check because account check has been delivering the required twelve months of bank data to Fannie Mae. The best part of this with FormFree is our customers don’t have to make any operational changes and we don’t charge the lender for the extended dataset.
When the lender places the order for an account check and it goes to the consumer, the consumer links their bank account to our account check product. We go ahead in what we call harvest, all of the bank transaction data that we need and then we go through the analysis, we analyze, certify and verify. With the agencies, there are very specific guidelines for us delivering this data to them for utilization.
If we don’t collect the data points according to the GSE guidelines, then it’s not usable. We’ve already built the rails for seamlessly delivering these twelve months of asset data for lenders that use account checks in the DU enabling DU to do the assessment and welcoming more inclusivity into their underwriting process without disrupting current workflows.
Christy, for our readers that aren’t currently FormFree customers, when I was looking at your website, I saw that FormFree has integrated into a vast number of the more popular loan origination systems. What I read is that it would be very quick for a prospect of our non-FormFree client to sign up and leverage one of the existing integrations and begin to use the account check product.
In the early days of FormFree, Brent Chandler and Brian Francis, our CTO, recognized that we had to provide the data to lenders in a manner that was usable and easy for them to access. We have over 100 integrations with all of the top LOS and POS partners, which make the transfer of the data easily so that it seamlessly flows into their systems so that lenders can utilize it in the loan manufacturing process. We also support proprietary integrations. We have a fantastic team of developers that work with lenders on making sure that they can access the data and absorb the data to make it usable for their specific process.
What I also saw, Christy, was that there were integrations built to some of the more noteworthy processes outsource companies. If some of our readers are using an outsourced service provider, they could very well be integrated with FormFree currently.
It goes back to the statement that we like to say at FormFree. “We are where the lender needs us to be.” If you want the data in your LOS, we’re there. If you want it in the POS, we’re there. If you use a fulfillment provider, we also have relationships there.
Anytime I look at technology, there seems like there are some companies that get an early mover advantage in the marketplace. How is it possible that FormFree has been able to move on this so quickly?
I’ve got a couple of things I can say about this but primarily, it’s the vision of Brent Chandler, our Founder and CEO. He sees a world where consumer data can be easily transferred into a lending environment for the utilization of extending credit. FormFree back in 2008 when the company started, there was a path to acquiring the data, understanding and delivering it to the GSEs, helping the GSEs understand how to absorb the data and create those innovative technologies to deliver a better experience for the consumer and mitigate that risk.Brent Chandler sees a world where consumer data can be easily transferred into a lending environment for the utilization of extending credit. Click To Tweet
We’ve been providing Fannie Mae with twelve months of data for many years, which helped to develop additional capabilities for assessing the borrower’s ability to pay using this alternative data. As we go into the end of the year, you’ll also see other capabilities that will be announced of using asset data to verify other components of the consumer.
In 2015, we identified rent payments as highly relevant to determine consumers’ ability to pay and share that with the agencies. Over the years, we’ve independently developed and honed in algorithms that can isolate rent payments in direct source checking account data with great veracity. By corroborating borrower asset data provided by vendors like FormFree with the consumer 1003, Fannie Mae has the accurate rental data it needs to support the financing needs of the first-time home buyer who may have thin credit files.
When you have a company that sees the capabilities of using data for the betterment of consumers, ease of use for lenders and mitigating risk and we share that with the decision makers and the agencies, then we can begin to shift and change how this industry looks at data and how they use data to support the consumer’s needs but safely and securely. What we don’t want to do is take a step backward.
You could go back to the original interview that we did with Brent back on November 9th, 2020 and begin to start talking about what our technology company’s doing to dramatically increase the number of loans an underwriter can write. That’s where we started with this journey. We went in and interviewed Brent again on February 22nd, 2021. He talked about a better way to assess ability-to-repay. There was great information. In each one of these interviews we’ve done with Brent, the most recent one was back on July 26th, 2021 where he talked about truth in direct-source data.
There’s all of this. I encourage you to go back and read each one of these episodes for two reasons. 1) It’s a leader someone who’s innovative. 2) Brent is brilliant with his vision and where he is going. He’s humble and how he approaches it. That’s one of the reasons Christy, both of you and I are drawn to Brent as well as many others. What are some other ways that FormFree is getting deeper into the ability to pay intelligence from consumers on a permission database?
FormFree does a ton with consumer data with the goal of empowering consumers to use their data to achieve their financial goals. We look at billions of data bytes. We analyze it, assess it and then provide it back to the lender and the agencies in a usable format. We also have begun to assess payroll provider data directly from the source, directly from those payroll providers like ADP, Paycor and paychecks, identifying income and employment data that meets standard GSE underwriting guidelines.
When the consumer permissions us to harvest their employment and income data from their payroll provider, we do that in a seamless transaction providing that direct source or the truth. As Brent likes to say, “Truth versus trust,” we get it directly from the source. We deliver this data with a deeper layer of intelligence using many sources to corroborate and validate the data. We have this amazing data scientist team led by Dr. Covington. He was on your show as well.
We have PhDs in linguistics who built data dictionaries. Think about this. Every financial institution has a different language for its data. In FormFree, we built the ability using machine learning, artificial intelligence and natural language processing to interpret that data across the board and be able to analyze, certify and provide it back in a usable format. We correlate it back into human speech so that lenders and investors can use it for assessing the ability to pay.
We had to write data dictionaries and identify what comes out. When the data comes to us from financial institutions, it is dumb. We have to interpret it and put it in a usable format. We corroborate with large data bureaus to deliver a level of confidence that the data is immutable and 100% accurately represents the consumer’s income, assets, employment, identity in credit and the beauty of this is it’s all delivered to the lender and the agencies in a reissue key or a non-fungible token. This is 100% verified data, truth versus trust.
It’s controlled by the consumer, which is the thing that I love most about Brent’s vision. “Give the power back to the consumer to own and control who sees this data.” That interview we did with Dr. Covington on April 26th, 2021, you’ve got to go back and read that. Not only is it just the relationship and how it developed but it’s just what he saw in the vision for what this could do. It’s a great interview.
I want to talk about the relationship that Brent has built with this community of intellectuals. That’s one of the keys. The secrets to your sauce at FormFree are these kinds of relationships. If you read the interview, he had to get into it and started getting excited about that but then he caught the vision and the brilliance of Brent and it goes into the area of artificial intelligence which Dr. Michael Covington is an expert.
There’s so much that can be gleaned from a consumer’s direct deposit bank account. When you want to know, “Can I afford something,” you don’t look at a score and say, “The score says I can afford it.” What you look at is, “What do I have in my bank account? What kind of payment can I absorb?” That’s where the brilliance of Dr. Michael Covington, the data dictionaries and the algorithms that he built.
We can see into the asset account. If we understand residual income and discretionary income, we know and calculate the borrower’s ability to pay so that at any given moment, the borrower can look at their data through our Passport app and say, “Yes, I can afford that car, home or television.” This has implications outside of a mortgage.
It’s to put that power back into consumers’ hands on what they can afford. If you’ve ever heard anything from Brent, he always talks about, “We are focused on one thing. We are focused on the consumer. We want to know and understand the consumer. We want to give the power of financial empowerment to them through the utilization of their data.”
Christy, when I was looking at the FormFree website, I saw the Financial Passport but can you help me and our readers understand what Financial Passport means?
I can give you a high-level overview of Passport. It is a consumer-facing app so it’s downloadable in the app store for consumers to utilize this technology, verify and share their consumer Financial DNA, as what we call it. When every consumer has their Financial DNA, which incorporates their identity, credit, asset income and employment data, it leans in judgment if you want it.
The consumer captures all of that in this Passport app. For utilization to obtain credit, they can share it with their lender. The beauty of it in this format is it’s provided back to the lender in a 3.4 MISMO format, which streamlines easily into whichever LOS because MISMO is the standard format for data. The beauty of a passport is it puts the power of your consumer data in the palm of your hand where most consumers are transacting business. They are using this on their phone where they can share all of the pertinent data that the lender needs to understand about their Financial DNA to make a credit decision.
The key is the consumers are in control of their data, who sees it and how it’s presented. That’s the innovation that’s here. What advantage does this give to the lenders that are embracing this technology through FormFree versus the competitor that is not? It does seem to give such a competitive advantage.
When you think about consumer behavior and what they’re looking for, they’re looking for the easiest way to get a loan. Consumers need the loan. They don’t want the loan. Passport makes it easy for the consumer to share the data in a secure format. This takes us back to that non-fungible token, which holds all of that consumer data for the lender to access with the consumer’s permission. The beauty of that non-fungible token is that it’s stored in our data store and once permission is, it can be easily accessed and run instantaneously into automated underwriting systems like DU and LP.
Permission is given by the consumer to do that. Christy, this all fits in the broader topic of blockchain. You’re not necessarily tied to blockchain technology but it can play inside of that. Am I correct?
You are correct. It’s 100% verified truth data versus trust. It comes out in a single token. A non-fungible token represents the consumer. It’s housed in our data store but it can be used on a blockchain ledger. It’s verified and validated consumer data. The beauty of this is that if you think down the road when a market begins to change and shift because of technology, you can create even more efficiencies in this. When we do that, we can potentially create a marketplace where lenders can go in and they can bid or identify the consumer attributes that they’re looking for to build their portfolios.If blockchain is efficiently used in lending, the marketplace can become a place where lenders go in to bid and identify consumer attributes to build their portfolios. Click To Tweet
For example, you could go in and say, “Show me all of the credit scores with 680, the Florida-based loans owner-occupied with LTVs of 81%.” You can see all of those consumers who meet those attributes and if you want, you can go ahead and bid on that consumer data for utilization as a lead generation tool. That’s that efficiency that is created by capturing consumer data in a non-fungible token for utilization in a blockchain ledger, which has so many efficiency pickups for the industry and lenders.
We start looking at the advantages this gives borrowers and controlling the data, the advantage of the lenders that can work with this. Now you introduced a new topic and angle on this that I had not given consideration to how you can start targeting marketing to the consumer in a very specific way. Jack, this is game-changing technology. A couple of old guys like us sitting around thinking about the future, could you imagine something like this? It’s fascinating.
It’s incredible. One thing that Christy said that warmed my heart was when she was talking about residual income. I’ve been in the mortgage business longer than I care to admit. I understand underwriting to the ratio analysis but over the years, I’ve partnered with a lot of companies that have focused on residual income in their underwriting practices.
Consumers have different behavior patterns so the residual income method can allow you to take into account the difference in consumer behavioral spending patterns. Christy, I was excited to hear you talk about that earlier in the discussion. There are several readers out there that place great importance on residual income in their analysis of the borrower’s ability to pay.
You are so right, Jack. The more vectors that you have that give you visibility into the borrower’s ability to pay, whether you’ve got residual income, discretionary income, credit score and transactional data, then you have a deeper holistic view of that consumer. Based on your underwriting guidelines or risk appetite, you can determine if you’re willing to take that risk and lend to that consumer.
Using asset data gives you that deeper insight and utilization for additional vectors of analysis to say, “Yes, I want to lend to this consumer because I am confident that they can afford what payment structure I’m proposing for them.” It’s a risk mitigation tool that supports deeper credit expansion and inclusion. There are so many benefits of using this type of analysis for the consumer.
“Truth versus trust.” I love that expression. Brent got so many great one-liners that he has come up with as a result of he’s involvement in creating this technology. Christy, we could go on about this topic. That’s not one of those topics where you concluded. You say to be continued and we will continue because we’re so thrilled to have the partnership and the show with FormFree and have you as a sponsor and be evolved here.
We can’t wait to get more guests on talking about this. I get asked to speak and asked to cover on the show where the market’s going. Folks, pay attention to what FormFree is doing, not just because they’re a sponsor but the brilliance of what they’re doing. Companies like Fannie Mae have recognized it. They’ve worked and co-developed with Brent some of these things. Jack, that’s been fun to have you join me on this interview as well. I’m glad to have you here. Your thoughts as we wrap up this interview?
The one thing that stands out to me above all others is the ability to increase the inclusivity of your lending program. Being able to target people whose credit history is predicated on rental payments as opposed to mortgage payments is tremendous. In a world where accountability is certainly heightened, to have a tool like this to help the lender and be able to accommodate those borrowers that have rental history sets this offering above so many others, in my opinion.
Christy, I’d love your enthusiasm always about life and this industry. Also, your newfound enthusiasm for the new company that you’re with FormFree. I’m so thrilled that you have partnered up with this company. What a great marriage of talent and ability to bring this industry to the next level.
Thank you both. We love talking about the utilization of data and intelligence for the purpose of helping consumers. Who we are at our core is a company that sees a way to lend, expand credit and provide affordable housing finance to all consumers using their data. I enjoyed chatting and sharing the FromFree story with you and talking about how together we can help this industry serve our consumers and our homeowners, which is who we are at our very core.
You did it so eloquently. Thank you, Christy, for being with us. We’ve had as our special Christy Moss with FromFree. You’ll want to stay in touch with this. Keep studying this topic and get to know this company. Get ahold of Christy or any of the people. The best way to reach the company is to go to the website, I’m assuming. Are there any other means by which people can connect with you? You are all over LinkedIn and social media.
The website’s great. Connect with me on LinkedIn. Find me. I would love to talk about this so I would love to dig in deeper with some folks.
If you’re looking for a conference speaker or an event speaker, have Christy come. She’s a great evangelist for this, our industry and innovation. Christy, thanks so much for being here. It’s been great having you as our guest.
Thank you so much.
I encourage you to share this with others. There’s a lot of good information here. Many people are looking for direction. Where is this industry headed? As we said in that interview, there’s a lot of exciting innovation happening at FormFree. I encourage you to keep up with it. I have a feeling this is the direction of the industry and at least it relates to expanding the credit box and they do a great job. There’s more on the way.
Others are working on the same thing. If you want to get more inclusion, get more people in their homes and do responsibly. We want to make sure we do it right and there’s a lot of innovation happening toward that goal. It’s great having you here as readers. Everyone wants to say a special thank you to our sponsors Finastra, CMLA, Lenders One, Insellerate, Mobility MI, as well as Modex and the MBA.
We’re going to be all at the conference. I’m looking forward to seeing you in San Diego. We get all the planes, trains and automobiles going in the right direction of working. We’ll be there. Also, Knowledge Coop and The Mortgage Collaborative. Also, Snapdocs. I’m very excited about their sponsorship and partnership with them. I appreciate you all. Have a great time. I look forward to having you back here in the next episode.
- Industry Syndicate
- Mortgage Bankers Association of America
- Lenders One
- The Mortgage Collaborative
- Pete Mills
- The Community Mortgage Lenders of America – LinkedIn
- Sales Boomerang
- Knowledge Coop
- Mobility MI
- Jack Nunnery – LinkedIn
- Leadership with Beth – Past Episode
- November 9th, 2020 – Past Episode
- February 22nd, 2021 – Past Episode
- July 26th, 2021 – Past Episode
- April 26th, 2021 – Past Episode
- LinkedIn – Christy Moss
About Christy Moss
Christy Moss is a skilled business strategist and mortgage banking executive with 30-years’ mortgage industry expertise. Before joining FormFree as Director of Partner Relationships, Moss was strategic business and relationship manager at Fannie Mae, where she played a critical role implementing initiatives beneficial to the post-crisis mortgage lending ecosystem. Moss has held advanced positions in the correspondent lending divisions of CitiMortgage, Wachovia and GE Capital Mortgage Services. She is a Certified Mortgage Banker (CMB) and holds a B.S. in Public Relations from Georgia State University.