Total Expert is paving the way for an integrated mortgage technology ecosystem that empowers lenders to thrive while revolutionizing how we connect, engage, and serve customers. In this episode, our special guest is Mike Russell of Total Expert, a leading provider of integrated mortgage technology solutions. Today, Mike shares how Total Expert is revolutionizing the industry by seamlessly integrating various technologies and creating a comprehensive ecosystem for mortgage lenders. Mike highlights the importance of leveraging data and customer intelligence to enhance the borrower experience, drive engagement, and ultimately reduce churn. With Total Expert’s purpose-built platform, lenders can personalize their communications, automate processes, and provide a differentiated borrower experience that sets them apart. Mike also explores the five Ds—diamonds, diapers, degree, death, and divorce—and how Total Expert’s expert content team has created tailored journeys for each life event, leveraging triggers to initiate personalized interactions. Join us in unraveling the potential of integrated mortgage technology ecosystems and how they are shaping the future of the industry.
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Integrated Mortgage Technology Ecosystem With Mike Russell Of Total Expert
I’m excited to have Mike Russell of Total Expert here with us. As I said on the show numerous times, the Total Expert Accelerate ‘23 Conference that we had in San Diego was probably one of the best conferences I’ve attended, and here’s why. The context of that is there was more thought of leadership around how we can generate more activity and loan originations than anything I’ve heard talked about since then. A lot of what goes into originations is integrations and all the things that go there.
I was sitting with Robin Clayton as Mike took the stage to talk about some of the technology. She leaned over to me and she goes, “I love this guy. I gave him the name Magic Mike.” Mike is a guy that performs magic for the users. If they needed integration, he finds a way of doing it by doing what seems to be magic. We all know how difficult it can be to get integration done. When you find someone who says yes and has an attitude of, “Let’s find a way to get this done,” then that’s who we’ve got on the show. Magic Mike, welcome. It’s so good to have you here.
Thank you very much. I’m super excited to be here as well. We appreciate your kind words at the conference. I agree with you. It’s a little biased, sure. The Accelerate Conference is so much fun and I like what we’ve done at Total Expert. We are building a community of people collaborating, solving problems. It’s always a joy. Robin, that name’s going to stick with me for a while, but that’s okay. I’ll try to do it justice.
Good justice you already have, based on all the people I’m talking to, because where you guys sit in the ecosystem, it’s so important that you have the integrations done. Other than telling people what can’t get done or we need to get it running through a committee and all that, you find a way to get things done. That’s refreshing in this day and age where it seems like there are more committees halting getting things done. You have that. One of the things that’s so interesting about your background is that you were at Zillow and I’m excited to have you share information about yourself, your journey through tech, and how you found yourself to where you are now. Could you give us a little bit of information on your background?
I entered the mortgage industry through Zillow, specifically at Mortech, the product and pricing engine owned by Zillow. I’ve heard that’s either the best way to enter the industry or the worst because you’re forced to learn all the intricacies of product and pricing. I started as a CSM with them.
What’s a CSM, in case people don’t know what it is?
Customer Success Managers. I was working directly with lenders and secondary marketing folks, solving problems for them with that software-as-a-service type of approach. I’ve always been on the vendor side of the mortgage space, but I gravitated toward partnerships. I worked for a gentleman who you know very well, Josh Lear. I worked for Josh there on the partnerships side. What I liked about partnerships was we were always trying to find creative solutions to real problems that mortgage lenders were having.
What was also super exciting about it was I was able to work with folks like Credit Karma, LendingTree, and Bankrate, and then even near the end of my tenure at Zillow, I worked closely with Zillow Home Loans after the acquisition. I even had a few of the internal workings of an actual lender, not just on the software side.
That was my background. Working for a place like Zillow, you approach things like, “We can solve any problem that comes out there. It depends on how we can solve it.” That was the approach we always took. If a problem comes to us, our default answer isn’t no. It’s, “Take a step back. Let’s look at all the tools in our quiver and understand the problem. How can we communicate that correctly to product managers, developers, and what have you, to find the best solution, not just for our customers but their consumers, the borrower? How can we lead to a good experience for the borrower?” It was a lot of fun. I learned a lot and I try to apply that everywhere I can.
It’s good that you weren’t too long when Josh moved over and was recruited into Total Expert, which was a brilliant move by Joe and the executive team there. You were following him. He started and immediately said, “I got to go get this guy by the name of Mike Russell,” and hence picked up the name Magic Mike. It’s a brilliant move. Shout out to you, Josh. You’ll read this interview at some point, so shout out to you for bringing someone as brilliant as yourself, Mike, onto the team.
What are some of the lessons you learned from Zillow? Zillow is an innovative company and a lot of us were disappointed when they bought a mortgage company and went, “Stay in your swim lane. Why are you trying to be all things to all people?” They do have an amazing attitude to the industry and would love to get your insights and what you learned while you were there.
Especially from the software perspective, you hear it all the time, “I just want to do this myself.” That was the overall arching ethos of Zillow. When they first came out, home buyers were in the market and working with a realtor who was going to show them the way. What home buyers wanted to do is, “I just wanted to do this myself. I wanted to search for homes myself and then I want to engage with professionals.” I get that side of the business, but that’s how they reflected the entire software around their core values. When you’re building things, give the end user the power to do those things. Give them the ability to go and accomplish what they are looking to accomplish.
That was one of my probably biggest learnings coming from Zillow. Let’s not go and build things for one individual use case. Let’s make sure we’re taking a step back and saying, “Let’s think about all potential use cases, even if it’s a small sliver of what someone needs to do. Let’s enable our users.” In Total Expert, for instance, let’s enable our users to do what they need to do to accomplish their end goal. My biggest learning from Zillow is how we empower the consumer, whether the consumer is an actual home buyer or the consumer of your software. How do we empower them to be successful? That’s probably the largest that I try to apply anywhere I can.
Mark, that’s a great philosophy, empowering the user. Empowering the person over the consumer. Any questions you have, Mark?
It’s interesting that you came out of an environment as innovative as that and you’ve been able to apply some of the things to your growth pattern there at Total Expert. It’s amazing to me about your story because you followed someone over there that recognized your abilities and knew you’d be an add to that team. That’s always good because then you got like thinkers and you can move on down the road and that’s exciting. The most exciting thing is I get to tell everybody I know Magic Mike and I’ll let your imagination go wild. I know Magic Mike.
It’s funny when people first hear that name. To your point, Mark, where did this come from? Luckily, David, you did a good job of explaining how it happened, but when you tie it back into that, because there are some connotations that come with that, but I’m glad you’re able to say that.
There was Magic Johnson and now we got Magic Mike. We are in the super leagues there. One of the things I’d be interested in knowing is what attracted you and got you excited about going over to TE. By the way, it’s Total Expert. I’m sorry, everybody. We abbreviate. We have such a bad habit in our industry of going to abbreviations.
I did it with CSM, you did it with TE. That’s okay. We’re good. When Josh came to Total Expert, he and I had a couple of conversations. When Josh speaks, I listen. He’s been a mentor to me in a lot of things. What got me excited was Total Expert had done a lot of things in the mortgage space, but there was the opportunity to expand into banking and insurance. That was one of the biggest drivers that made me want to come over. We’ve already been successful there and there’s plenty of more opportunity out there.
Once I got in and started to see what we were doing, it was a large platform. We do a lot of different things and the amount of product enhancements we do regularly is remarkable. It’s sometimes a little hard to keep up. The biggest thing is we’re a CRM, but where we shine is that marketing and workflow automation that allows our users to give that hyper-personalized messaging at the right time. That’s what’s important. It’s personalized but it’s at the right time based on all the data that we have around that consumer’s database. What’s most exciting is all these pieces come into one platform, Total Expert, where you’re able to orchestrate that.
When you mentioned that when you’re talking about what you can talk to customers about and the appropriate timing of that lends towards communications. We all know communication is the backbone for effectiveness in business. How does the interactive communications work with the experience from Zillow compared to what you do with Total Expert? How successful have you been in creating that opportune time and format to talk to the customer in?
I think a couple of things along those lines from the perspective of the delivery. We talk about integrating platforms like getting that data from your LOS, your point of sale, and maybe even your product and pricing engine. Those core pieces all talk together already. That’s what we saw at Zillow. How do all these different platforms where a consumer came through the home shopping process? How do you easily get them to the mortgage shopping process in a seamless way?
What we saw at Zillow was how do we take a consumer come in from one channel and how do you disseminate that through other channels to make sure they have a seamless experience? That’s what you see at Total Expert. Regardless if that data is coming from the LOS or the POS or whatever, so Loan Origination System, Point Of Sale system, that comes into the CRM. How can that be captured in a way that has consistent messaging throughout the platform?
When you plead your integration of the platform, then what are the key elements that you monitor to ensure that you create a better borrower experience?
One of the biggest swings we’ve taken at Total Expert and what I’m super excited about is our customer intelligence platform. To your point, some of these monitors that we do. Our customer intelligence platform right now has these core four alerts, which is what we call them. It’s rate, equity, listings, and then credit. The idea would be, you have your CRM in Total Expert. You have all your contacts in there and if you leverage the customer intelligence platform, we are going and listening for all these potential things. It’s data on your consumers.
Everyone wants data. Everyone loves data. Where the gap is that people run into is they get the data but then they can’t act on it. By putting this product directly in Total Expert with that marketing automation delivery mechanism, and the data mechanism on customer intelligence, and putting them together, you are able to seamlessly tie those two things together.
You have the customer intelligence platform and a credit inquiry comes in. That comes in on a contact already in your CRM, somebody who’s already done a loan with you, and through the platform, you’re able to automate marketing automation. Send out emails, create a task for a loan officer, “You should go call this person. They are shopping for a mortgage.”
You’re able to do it at the right time. You got a credit monitor. You know they’re in the market. Now’s the right time to reach out. You’ve got all their CRM data so you can do it in a hyper personalized way. “You did this loan with us years ago. It looks like you’re maybe in the market again. What can we do to help you out there?”
Can I jump in on the hyper-personalized way because those are some of the advantages that the Total Expert system has there? Mark, I’m sorry for jumping in on that because that’s something I want to highlight and have you dive a little deeper into because that is something that is unique and special about your product.
Another important thing there is hyper-personalized for financial industries. You have a lot of horizontal technologies out there. We go and serve all these different industries. Total Expert has been serving the mortgage industry for many years and that’s going to flow nicely into banking and insurance. We know how mortgages work. We know the mortgage business. When we say hyper-personalized, it’s hyper-personalized to your financial situation. We know your name, your address, and all that information.
We know the information came from the loan origination system. We know your loan for this amount on this property, this property type. Maybe it’s an investment property. We know you are going to close on this date. We know your rate. We know your monthly payment. We know all that hyper-personalized information around your financial situation through integrations directly from an LOS. We’re able to then automatically send out that in a scalable way. That’s where that hyper-personalization comes in. It’s not just hyper-personalized. It’s hyper-personalized for the financial industry to allow those customers who need that extra touch on financial literacy to be able to apply those.
When you are integrating your technology, what are the most effective tools that are available for you to integrate your technology?
David, you probably heard this at the conference and I don’t like to throw it out there because it’s a little bit of pandering for me. Prior to my arrival at Total Expert, integrations were somewhat at a standstill. It was because there wasn’t a dedicated person to go and do it. I came in and I said, “Here was this backlog of technologies that wanted to integrate with Total Expert. What are you waiting for? Let’s go.”
Total Expert has our APIs, Application Programming Interface. This is the background technology that makes all these pieces talk together. What’s been great is we’ve been able to go to our product team and say, “We don’t necessarily need to go and build all these integrations. We don’t need to develop resources for that. Let’s go build the tools to allow our third parties to integrate with us. Give them the tools to be successful.”
One of those tools that we’ve made significant strides on is called our outbound data connector. Our customers can gain access to this. This allows Total Expert, in the platform, to interact with virtually any third party that’s out there. This has been groundbreaking. I even heard one of our colleagues with mortgage lenders say this is the product he’s most excited about over the years.
We’ve partnered from a partnership team with our internal product team to say, “Here’s what we need.” David, you met Jason out there. They’ve done a great job delivering and we’ve been able to go and implement that and we’ve been able to increase our velocity to integrate partners. We released 30 integrated partners in 2022 alone. It’s because of these tools, Mark, that you mentioned, our API’s outbound data connector that we’ve been able to do that
It sounds like you got the right technology behind what you’re doing, for sure.
When we were talking earlier, you talked about the five Ds. I want to go through those real quickly and talk about how the journeys that you’ve created respond to the five a little bit. At least give insights into it. I know we don’t have time to go into great detail, but I want our readers to understand the five Ds and the fact that you guys have built journeys for each one of them.
That’s the next phase of our customer intelligence product. We’ve got our core four right now, but the next thing that we’re working on is the five Ds. We’re talking about Diamonds, Diapers, Degree, Death, and Divorce. These are huge life events. We are identifying data that’s out there in the market that people have. People can go and get this data, but if you’re able to get that into an existing customer intelligence product that is part of a CRM and a marketing platform, that makes you able to activate or act on it quicker.
Those are things that we’re looking to expand on. Core four, then the five Ds plus additional data. There are other data that we’re always looking for. To your point, we are purpose-built. We are purpose-built for the financial industries, specifically mortgage. In this case, in my example here, we have an expert content team who this is what they do every day. They go in and they build Journeys. In our Journeys platforms, there are these triggers like, “I’ve been notified that this person got married.”
Our Journeys can trigger off that and then they can go and send an email and create a task. That’s our Journeys platform. They’re also going and building these emails as well. What’s that right message? “We heard you got married. Congratulations,” those types of things. What’s super cool is using this outbound data connector product I talked about. We’re able to get those notifications and customer intelligence and a Journey.
You can send an email and those types of things, but maybe it’s something that’s indicative of a home shopper. You can go and maybe refer them to a place like Milestones, which is like a home shopping platform that allows them to shop for a home. You can maybe go and automatically start an application at their point of sale. You can do a lot of different things like that with our integrations to help build that borrower journey, all orchestrated within Total Expert, all driven by data that we go and procure for you that allows you to act on it.
In the interview I did with Joe Welu, Joe talked about him and a part of your team flew back to ChatGPT and OpenAI. They were looking for ways you can integrate that. We talked about this when it first got launched. Mark has become such an average user of ChatGPT and what he’s doing in integrating, and everything he’s doing. I’m interested in how, from that meeting, you’re beginning to integrate that into specifically these journeys in these communications. It’s fascinating.
There are a couple of things that are super exciting. I wouldn’t call it blue sky because there are things that people are working on and trying to identify. It’s what’s going to come first. What’s going to have the most impact? To your point, a lot of them are like, “Using some artificial intelligence based on what you’ve seen be historically successful, what’s the next step in a journey?” For instance, if you have some alert, whether it’s shopping for a home or they listed their home, what’s the next best thing to do? Should you give them a call or should you send them an email?
You can even go and say with like a ChatGPT, “What should that email say?” This is a first-time home buyer, “Go and create an email for me for first-time home buyers that are Millennials, maybe in a certain tone.” How can we go and apply that directly within Total Expert? A lot of what these marketing folks get is writer’s block. They don’t even know where to start. How can we go and give them a tool to give them that base outline of like, “Here’s what an email to a first-time home buyer might look like,” and then they can go and give it their own personalized touch, make it fit their voice maybe a little bit better and save them a significant amount of time.
A lot of marketing folks get writer's block. They don't even know where to start. Click To Tweet Mark, when you hear that, can you imagine the power of what this could do back in our old loan origination days? Nominal to what this is going to do and the advantage a company has that is using a system like Total Expert.
It’s all about personalized communications and you guys certainly have that and I’m elated to be talking to you about it because I learn something every day. Some of the things you talked about in this episode are mind-boggling. I’m still trying to grasp those 23 conversions in one year. That’s aggressive.
That’s mind-boggling. What are some of the benefits technologies received by being integrated with you guys? There’s other techno. You mentioned Milestones. Finlocker is another one that you guys have integrated with. You got a lot of great integrations, we can’t name them all, particularly partial to Milestones, because I’m an investor in that and a big fan of them. What are some of the benefits technologies receive by being integrated with Total Expert?
There are a couple of things there. There are technologies out there that you have to be integrated with to be successful in the mortgage industry. Loan origination system, point of sale, PPEs. You see it in banking. You got to be integrated with the cores. Mark, you and I talked about the servicing platforms. That’s something that we want to do and we want to do a better job on. Those are what we call the essential integrations.
There are technologies out there that you just have to be integrated with to be successful in the mortgage industry. Click To Tweet We have what we call surround services. It’s like a place, like a Milestones, which is a good value add for the borrower. How can we get those two pieces to talk together? There are other companies out there like a FinLocker, a financial wellness tool. There are companies like Clever, which are like, “How can you not leave deals on the floor? How can you go and do those things?”
When you look at technology in general, we know that when people are engaged in your platform, churn drops significantly. How do you continue to keep people engaged? Integrations. If you have seamlessly integrated technologies, engagement’s higher, and churn is lower. It’s a fun partnership. It’s not a new industry, but it’s a quickly growing industry. There are a lot of technologies and thought leaders out there around partnerships in general, not just integrations.
There are several pieces out there that talk about this. I think it was FreshWorks who said if you have three or more integrated technologies, they saw churn reduced by like 80%. It’s super important to have your technology integrated from a customer satisfaction perspective. The other thing that’s important is you can’t do everything. We can’t go and build something like financial wellness tool that FinLocker’s gone and done.
They’ve got their own resources. They go and do it. They live it, breathe in, and do it every day. How can you provide some solution with a partner like that where you can go and say, “We’ve got a seamless integration with this partner, so you’re able to go and do those things?” It gives you a couple of things. Engagement, reduced churn, but then finally, it gives you that advantage to say, “We don’t do that, but we have the seamless integration over here. We can accomplish that for you.”
Someone might be reading this in a world where we’re so cost conscious. We’ve got so much cost and we talk about the integrations, all these other technologies. All of a sudden, if someone might be hearing the cash register ringing for the vendors and sucking the money out of the lenders that are trying to provide all these services, how do you scale the integrated partners? When does someone need to have this?
I don’t want people reading this as, “In order to use Total Expert, I’ve got to have FinLocker. I’ve got to have this one.” They should. They’re great technologies or milestones, but you guys, in and of yourselves, are a solid product. There are benefits to those integrations and it helps scale these other companies.
The first thing that comes to mind for me on that, and this might again still probably not be the best answer, but a lot of that’s ROI. There are a couple of things that I think about there. We all know this. For people who go further, second mortgage, only 1 in 5 originate with the original lender. That’s extremely low. By curating your borrower experience, which you can do a lot of inside a Total Expert, having that personalized touch, having the messaging at the right time, but giving that differentiated borrower experience and the tools for that borrower to succeed. Financial wellness, home shopping tools, those types of things. Post-close and during the shopping experience, those are the biggest things.
The other thing that I’ll talk about is with the product, we want to remove manual processes. How can you make your employees or your process more efficient? That’s the other thing that we focus on. Those are the two pieces. 1) The integrations are going to go and help you retain business and gain new of those types of things. 2) You’re looking at reducing costs by removing those manual processes by having the integrated partners. You do that in a way that maybe it takes a little bit to set it up out of the gate, but then you let it run. From there, everything happens magically where you put a little bit of love behind it and made it all happen. From your loan officer’s perspective, that’s a smooth-sailing ship.
I think about integrations. I certainly have benefited from my integration with Mark Helm. Mark’s knowledge of servicing and his brilliance and also complementary style to mine. We should be looking at integrations and when we select a system like Total Expert, who are they integrated with? I may not need to integrate with them now, but that allows me growth opportunities down the road. Mark, what are your thoughts on that?
Coming from an industry like servicing, it’s had a lot of integrations from different folks. I still believe that the more you can do for your customer yourself without integration is you’re not managing two development units and et cetera like that. That’s better. Certainly, when you see something that’s taken years and years to develop out there and it’s something you can offer your customer and make the total experience better, it’s wise to do that and partner with people to do that.
When you see something that's taken years and years and years to develop out there, and it's something you can offer your customer and make the total experience better, it's wise to do that and partner with people to do that. Click To Tweet You mentioned us, David. I can say the same thing about you because I’ve learned so much in doing shows and being in meetings and calls with you and all. Sometimes we forget the human element of interactions, changing ideas, thoughts, dreams, and desires, and what you want to do next week and next month is what makes us what we are now. It makes us human.
That makes us different from the run-of-the-mill animals out there because we have a purpose in life and do things. You told me about this coming in, but I’ve never seen a company as self-actualized as Total Expert in what they do for their customer base. That’s fascinating because the effort went into it and it’s been a long process and been thought out correctly and it’s not been done haphazardly. I salute you guys for what you have done. You all created a massive amount of goodness for our industry.
When it comes back to integrations, Mike, you talk about we’re known by the company we keep, and software companies that integrate with the right partners tell me a lot about their vision for the future. Let’s go there. As we wrap up this interview, where do you see Total Expert going? I know it’s a team of you, but you’re a significant contributor to that. Give us some insights into where are you, Joe, Josh, and the team are going with this.
It’s funny. I’ve touched on a handful of it. It’s purpose-built, the difference between a horizontal and a vertical solution, those types of things. The important thing to remember is that we’ve done very well in the mortgage industry, which will translate well into banking and insurance. That opens up an opportunity for a type of potential cross-sell opportunities.
If you’re a bank, you’re going to have your checking account, a CD, or something like that. Banks typically have mortgage departments. Where can you not just continue to identify opportunities for those past mortgages you did for that mortgage lender, but where can you go and identify opportunities for those companies that help multiple lines? The biggest thing is not going to other financial industry sectors, but tying those sectors together.
Another example would be, you’re a mortgage lender, but what do you need with every mortgage? Probably insurance. How can you find some potential referral partners to connect mortgage lenders with insurance brokers, those types of things? Those are things that are super exciting. Continuing to double down on that customer intelligence piece, data around potential indicators, but even hydrating that data, it’s huge. Those are the things I would say are things to keep an eye on in a couple of years.
The other thing is we continue to build out our partner ecosystem. Something that our lenders are going to be hearing about very soon is around our marketplace. Who are the partners of Total Expert that we know and trust and encourage you to work with and look for a solution? Our marketplace is going to be out there and that’s going to be something to allow people to shop for as we talked about, like, “Maybe I’m not ready now, but who’s out there that I can potentially work with?”
We’ll continue to double down on the tools for these partners to be successful, enabling them to integrate with us and potentially even create their own journeys. I can go and say, “I need this journey to go and connect them with Milestones.” Here’s that journey to go do that. It’s created by the Milestones team. Just some examples. Those are the things that we’re going to see down the line. Continue to go deeper in the mortgage, expand to other industries, and then continue to build that financial profile for your consumers so that you can give them the best product you have available to them at the right time.
It’s so good. As we wrap it up, I also look at company culture. When you work with and meet people at a company, do they like and get along with and is it a sense of family there? Speak to that because there is such a sense that you guys like each other. You get along real well. It’s that culture that Joe has brought in and fostered throughout. It’s even found that he had his parents there again. We get a chance to meet his parents. I love that family-oriented type of thing, but it is a sense of family and a team. Talk to that as we wrap this up.
I do enjoy our customer conference because, first of all, I’ve been remote since March 2020. Being able to get Facetime with my coworkers that’s always good. Josh and I are in Lincoln, Nebraska. We’re able to spend time together outside of work. We have five employees in Lincoln, Nebraska. I do enjoy working with everybody on the TE side, from developers, to project managers, sales team, all those folks.
It extends out beyond that and we see this with Joe every day. He’s willing to pick up the phone from anybody. He is in tune with our customers. He spends time with a handful of folks who are on the street producing those types of things. That’s where it comes from. Joe’s willingness to get out there and get in front of folks has been trickled down through everyone.
PMs are doing on sites with customers and developers get on the phone. At the same time, internally, if you got a problem, who’s the best person to ask? You get on the phone with them and you’re able to ask. It is very much a collaborative approach. That allows us to move fast. That allows us to trust one another. That allows us to continue to put forth a good product for our customers.
Ultimately, we all have the same goal in this industry. We want to help our consumers and borrowers make good financial decisions. You’re able to do that by getting the most data you can, getting it to them at the right time, educating them, and helping guide them along the way. We help enable our consumers to do that.
There’s the magic right there, making sure how you become successful, helping someone achieve their goals and their goals and objectives and their dreams. When we do that, we become successful ourselves. It’s the key to success. Magic Mike, thank you so much for being here. Mark, thanks for joining in on this discussion. It’s been a good, another insightful interview on why Total Expert is a market leader.
I wouldn’t have missed it. It’s outstanding.
Mark, David, thank you.
It’s a joy to work with you, Mike, and to get to know you. I’m looking forward to the next conference in Minneapolis. People say, “Why Minneapolis?” It’s because that’s where the company’s headquartered. It’s a great place. I’m from Minnesota, so we’re going to go up there. We’re going to hand out a lot of cutters and mosquito repellent and get around.
It’s in the summertime. We don’t have to deal with the snow on the ground. That’ll be perfectly fine.
Thank you so much for being here with us, Mike. I wish you all the very best and continued success.
About Mike Russell
Mike has been operating in the mortgage industry for the last 7 years from a technology provider standpoint, and 5 of those years have been spent specifically on integrating technologies. Throughout his career, Mike has been able to solve mortgage lenders’ unique problems by identifying opportunities through partnerships and collaboration.