Reaching the Unbanked through Fintech: A Conversation with Steve Royster, MoCaFi

Housing Insiders

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Nội dung được cung cấp bởi Jonathan Lawless and Jeremy Potter, Jonathan Lawless, and Jeremy Potter. Tất cả nội dung podcast bao gồm các tập, đồ họa và mô tả podcast đều được Jonathan Lawless and Jeremy Potter, Jonathan Lawless, and Jeremy Potter hoặc đối tác nền tảng podcast của họ tải lên và cung cấp trực tiếp. Nếu bạn cho rằng ai đó đang sử dụng tác phẩm có bản quyền của bạn mà không có sự cho phép của bạn, bạn có thể làm theo quy trình được nêu ở đây https://vi.player.fm/legal.

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Mack Dryden "Dentist Visit" Bonus Show #119 7:46

cách đây 7 ngày trước7:46

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7:46

Send us a text On this very funny short Bonus Show, standup comic Mack Dryden shares his story about going to the Dentist...you'll never believe what happens...Hilarious! Look for Mack Dryden's "NEW" Dry Bar Comedy Special... Please Listen, Enjoy, and Share where you can...Thanks!! Support the show Standup Comedy Podcast Network.co www.StandupComedyPodcastNetwork.com Free APP on all Apple & Android phones....check it out, podcast, jokes, blogs, and More! For short-form standup comedy sets, listen to: "Comedy Appeteasers" , available on all platforms. New YouTube site: https://www.youtube.com/@standupcomedyyourhostandmc/videos Videos of comics live on stage from back in the day. Please Write a Review: in-depth walk-through for leaving a review. Interested in Standup Comedy? Check out my books on Amazon... "20 Questions Answered about Being a Standup Comic" "Be a Standup Comic...or just look like one"…

cách đây khoảng một năm trước 57:43

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Donate to the American Red Cross, World Central Kitchen, and the Los Angeles Fire Department Foundation.

Impacted by the wildfires? Fannie Mae’s Here to Help program can connect you at no cost with a housing counselor to help you through the process.

Email Podcast@TheHousingInsiders.com with any questions or comments and Subscribe to Housing Insiders on your favorite podcast platform. This podcast is brought to you by Bilt Rewards.

16 tập

Housing Insiders

Reaching the Unbanked through Fintech: A Conversation with Steve Royster, MoCaFi

Housing Insiders

published cách đây khoảng một năm trước

Chia sẻ

MP3•Trang chủ episode

Donate to the American Red Cross, World Central Kitchen, and the Los Angeles Fire Department Foundation.

Impacted by the wildfires? Fannie Mae’s Here to Help program can connect you at no cost with a housing counselor to help you through the process.

Email Podcast@TheHousingInsiders.com with any questions or comments and Subscribe to Housing Insiders on your favorite podcast platform. This podcast is brought to you by Bilt Rewards.

16 tập

Tất cả các tập

Housing Insiders

1
Understanding RESPA: A Conversation with Attorney Trip Riley 1:05:23

cách đây 17 ngày trước1:05:23

1:05:23

In this episode of Housing Insiders, Jonathan & Jeremy talk GSEs and the potential impact on mortgage rates should the Trump administration pull Fannie and Freddie out of conservatorship. Next, while the Consumer Financial Protection Bureau (CFPB) may be on ice, the Real Estate Settlement Procedures Act (RESPA) has not gone away. Saul Ewing Partner Trip Riley joins the show to talk about why RESPA exists, what its future could be in the new administration, and what that could mean for the mortgage industry and consumers. Email Podcast@TheHousingInsiders.com with any questions or comments and Subscribe to Housing Insiders on your favorite podcast platform. This podcast is brought to you by Bilt Rewards…

Housing Insiders

1
A Chaotic 24 Hours: Federal Funding & HUD 28:27

cách đây 4 weeks trước28:27

28:27

On this episode of Housing Insiders, Jonathan & Jeremy discuss the confusion that reigned in Washington, DC last week, after the White House memo ordering a freeze on all federal grants and loans seemed to put a myriad of housing programs in jeopardy. According to Jonathan, “If you want to stop federal grants, you have to be a little more thoughtful than just cutting them all immediately.” HUD has since clarified FHA, USDA, and VA lending programs will continue, and the entire order has been blocked by a federal judge. Amidst all the breaking news, you’ll be forgiven if you missed Scott Turner’s confirmation hearing to be HUD Secretary. Jonathan & Jeremy provide their key takeaways and are encouraged by Turner’s plans to boost opportunity zones and reform building codes. Senator Elizabeth Warren and Scott Turner tangle about housing costs here: https://www.youtube.com/watch?v=Ov_tlpGC28g Email Podcast@TheHousingInsiders.com with any questions or comments and Subscribe to Housing Insiders on your favorite podcast platform. This podcast is brought to you by Bilt Rewards…

Housing Insiders

1
Reaching the Unbanked through Fintech: A Conversation with Steve Royster, MoCaFi 57:43

cách đây 6 weeks trước57:43

57:43

In this episode of Housing Insiders, Jonathan & Jeremy discuss what the wildfires mean for homeowners insurance nationwide and the long-term impact the wildfires will have on the homebuilding process, including the prognosis for factory-built homes. Next, Steve Royster , Head of Community Banking & Marketing at MoCaFi (Mobility Capital Finance), joins the show to talk about his work reaching and helping unbanked Americans. “There are credit-worthy people in black and brown communities, underbanked communities, that deserve access to capital,” says Steve. Steve says MoCaFi’s fintech solutions and financial education programs will help close the racial wealth gap, and their work will continue regardless of changing views about DEI in some corporate boardrooms. MoCaFi has previously partnered with Los Angeles to help disburse COVID relief funds to the unbanked via Angeleno Connect cards, a program that could be utilized again to provide disaster relief funds. Donate to the American Red Cross , World Central Kitchen , and the Los Angeles Fire Department Foundation . Impacted by the wildfires? Fannie Mae’s Here to Help program can connect you at no cost with a housing counselor to help you through the process. Email Podcast@TheHousingInsiders.com with any questions or comments and Subscribe to Housing Insiders on your favorite podcast platform. This podcast is brought to you by Bilt Rewards .…

Housing Insiders

1
The Year Ahead in Housing: 2024 Recap & 2025 Predictions for the Housing Industry 56:29

cách đây 8 weeks trước56:29

56:29

It’s a time unlike any other in the housing industry. In this special episode of Housing Insiders, Jonathan & Jeremy review the highlight reel of some of their favorite guests from 2024, discussing insights learned and revealing their big bets for 2025. Hear their positive & negative takes on the housing industry heading into 2025, including what rising insurance and property taxes will mean for homeowners, predictions on where builders will turn their attention in the new year, and what home financing and lending could look like in the future. Background reading: WSJ (subscription required): Insurance and Property Taxes Now Cost more Than Mortgage For Many Homeowners Steve Randy Waldman’s blog on Microcities CFPB sues Rocket for alleged RESPA violations Email Podcast@TheHousingInsiders.com with any questions or comments, and subscribe to Housing Insiders on your favorite podcast platform. This podcast is brought to you by Bilt Rewards…

Housing Insiders

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Investing in AI Housing Startups: A Conversation with Jared Stasik, Detroit Venture Partners (DVP) 35:59

cách đây 10 weeks trước35:59

35:59

Jared Stasik , Partner at Detroit Venture Partners (DVP), joins Housing Insiders to chat a day in the life of funding early-stage tech companies, including housing startups. DVP was founded in 2010 by Dan Gilbert, Quicken Loans/Rocket Mortgage Founder & Chairman and owner of the Cleveland Cavaliers, with a vision to grow Detroit's entrepreneurial community. Hear how Jared decides what types of housing companies to invest in, the typical timeline for housing companies to reach a return, how to navigate the heavy regulation in the housing industry, the role of AI (Artificial Intelligence) in housing startups, and whether housing startups can tackle the housing affordability crisis. Email Podcast@TheHousingInsiders.com with any questions or comments and Subscribe to Housing Insiders on your favorite podcast platform. This podcast is brought to you by Bilt Rewards…

Housing Insiders

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Momentum in Modular: A Conversation with Hugh Frater, Vessel Technologies 39:05

cách đây 12 weeks trước39:05

39:05

Hugh Frater , the former CEO of Fannie Mae (and Jonathan’s old boss) joins Housing Insiders to offer his blunt take on solving the housing crisis. According to Frater, "I don't think we should be promoting homeownership per se. I think we should just be finding ways to deliver more housing without regard to whether it's rental or for sale." As Chairman of Vessel Technologies , a developer and manufacturer of panelized multifamily apartment buildings that are “Class A housing at a Class B rent,” Frater is trying to do just that. Vessel has 500-600 units of workforce housing in various stages of development across Connecticut, with expansion plans in Florida and New Jersey in the new year. While Frater admits "the road to hell has been paved with failed modular companies," he believes Vessel's elegant design and simple assembly process, combined with the rising demand for “attainable” housing, makes Vessel a promising player. Frater also shares his thoughts on the future of the GSEs and his “magic wand” wish for zoning in the US. Email Podcast@TheHousingInsiders.com with any questions or comments and Subscribe to Housing Insiders on your favorite podcast platform. This podcast is brought to you by Bilt Rewards…

Housing Insiders

1
Market Trends: A Conversation with Ivy Zelman 33:58

cách đây 14 weeks trước33:58

33:58

Ivy Zelman is the CEO of Zelman & Associates . When it comes to housing trends, Ivy has developed a reputation for “seeing around corners,’’ and her accurate forecasts – including predicting the 2008 housing crash - make her one of the most influential people we know. In this episode, Ivy takes out her crystal ball once again and has some harsh warnings for the industry about the headwinds she sees coming from climate change, and how that will impact migration trends across the US. Plus, Ivy shares her outlook for Millennial and Gen Z homeownership over the next few decades, and the business she would start today if she had the chance. Email Podcast@TheHousingInsiders.com with any questions or comments and Subscribe to Housing Insiders on your favorite podcast platform. This podcast is brought to you by Bilt Rewards…

Housing Insiders

1
The 401(k) for Homeownership: A Conversation with Landy Liu, Foyer 33:35

cách đây 16 weeks trước33:35

33:35

The down payment on a home continues to be unrealistic for many Americans. How can we change that? Landy Liu is the Founder of Foyer , a savings platform for first-time homebuyers. Think of it as the “401(k) for homeownership.” Hear him reveal how their savings platform works, the key things to keep in mind as a first-time homebuyer, what the government can do to help first-time homebuyers, how Foyer makes money, and what he wishes existed in the housing market. Following the interview, you’ll meet Foyer customer Gui de Araujo , who shares his homeownership journey. Email Podcast@TheHousingInsiders.com with any questions or comments and Subscribe to Housing Insiders on your favorite podcast platform. This podcast is brought to you by Bilt Rewards…

Housing Insiders

1
Rent-to-Own Homes: A Conversation with K.C. Cleary, Pathway Homes 38:24

cách đây 18 weeks trước38:24

38:24

With traditional homeownership more unattainable than ever, aspirational homeowners are exploring ‘rent-to-own’ options. K.C. Cleary is the Co-Founder & Chief Strategy Officer of Pathway Homes , a real estate company that provides new construction rentals to tenants, with the option to purchase them over time. Cleary explains that renting gives tenants time to build their credit score and save for a down payment, while ‘test driving’ a home and neighborhood to make sure it’s a good fit. In this conversation, Jonathan and Jeremy ask Cleary about who his customers are, how models like this can scale, and whether this is a viable pathway to home equity for millions of Americans currently locked out of the American Dream. To kick things off, Jonathan and Jeremy discuss whether a 40-year mortgage is a good idea, plus Jeremy’s takeaways from the HousingWire IMB Summit . Email Podcast@TheHousingInsiders.com with any questions or comments and Subscribe to Housing Insiders on your favorite podcast platform. This podcast is brought to you by Bilt Rewards…

Housing Insiders

1
Bonus Episode: Dissecting the Candidates’ Housing Promises with Jeb Mason, Mindset 38:40

cách đây 19 weeks trước38:40

38:40

The 2024 presidential election is only weeks away, and housing is front and center as a campaign issue like never before, with each candidate promising they have a plan to make housing more plentiful and affordable. To break down what Trump and Harris’ campaign promises are all about, we talk to Jeb Mason , a partner at public policy consultancy Mindset , and a housing wonk like us. There are promises of down payment assistance and new homes across federal lands, but as Jeb points out, “Neither candidate is really talking about a deliberate reversal of the monetary and fiscal stimulus that got us into and exacerbated this housing affordability crisis.” And since you all are Housing Insiders, you’ll want to hear Jeb’s thoughts on the prospects for GSE reform. Email Podcast@TheHousingInsiders.com with any questions or comments and Subscribe to Housing Insiders on your favorite podcast platform…

Housing Insiders

1
Homebuilding with UNskilled Laborers? A Conversation with Aleks Gampel, Cuby 32:41

cách đây 20 weeks trước32:41

32:41

The homebuilding process is slow and expensive. Jonathan says it’s driven by the Three L’s: Lumber, Laws, and Labor. Aleks Gampel , Co-Founder of Cuby , is here to help that. Cuby deploys Mobile Micro-Factories (MMFs) globally to solve challenges within the home construction economy and beyond. Aleks, Jonathan, and Jeremy discuss navigating the issues with home construction today, how the MMFs work, Cuby’s ideal customers, how housing supply will drive home costs down, and his thoughts on ADUs (Accessory Dwelling Units). To kick things off, Jonathan and Jeremy touch on how stocks are rising across homebuilding companies, plus more and more loan buybacks from Freddie Mac. Email Podcast@TheHousingInsiders.com with any questions or comments and Subscribe to Housing Insiders on your favorite podcast platform…

Housing Insiders

1
Fractional Home Ownership: A Conversation with Prosperity Now’s Marisa Calderon 31:44

cách đây 22 weeks trước31:44

31:44

If home ownership is still a key to wealth generation, how can more Americans get their piece of the pie? Marisa Calderon , the President & CEO of Prosperity Now , joins Jonathan and Jeremy to talk about new approaches to building prosperity, including fractional home ownership and other “on ramps to wealth” through collaborative ownership of different kinds of assets. From co-ownership platform Nestment to Atlanta-based real estate investment fund Roots , these three discuss the startup landscape, including Marisa’s new Prosperity Next, an initiative for CDFIs to bridge the gap between lending and the capital markets, while enhancing financial inclusion for underserved communities. Prior to her role as President and CEO of Prosperity Now, Calderon served as the Executive Director of the NCRC Community Development Fund and in leadership roles at NAHREP , the National Association of Hispanic Real Estate Professionals. Email Podcast@TheHousingInsiders.com with any questions or comments and Subscribe to Housing Insiders on your favorite podcast platform…

Housing Insiders

1
Breaking Down the NAR Settlement 44:33

cách đây 24 weeks trước44:33

44:33

The recent National Association of Realtors settlement comes at a critical time for the housing industry, as startups continue to try to shake up the status quo and housing affordability remains at crisis levels. In this episode, Jonathan & Jeremy break down the outcome of the settlement and discuss what it means for every person involved in a home sale – from lenders and appraisers, to buyers and sellers, and of course for the realtors whose livelihoods have long depended upon that 3% commission. Jeremy points out in many ways, the powerful realtors association brought this on itself - it had resisted innovations like flat-fee brokers for years. But, if you think the settlement will make it easier for discount brokers to break into the housing game, you'll want to hear what Jonathan has to say about "Lawless kickbacks" and more. For housing insiders who need to understand the implications of the settlement, this episode is for you. Email Podcast@TheHousingInsiders.com with any questions or comments and Subscribe to Housing Insiders on your favorite podcast platform…

Housing Insiders

1
Cracking the Housing Industrial Complex 39:13

cách đây 26 weeks trước39:13

39:13

After Jonathan and Jeremy dissect the housing headlines (spoiler alert: the NAR settlement may not actually bring down costs for buyers and sellers) they vent about the glacial pace at which much-needed reform is happening. “‘Work harder and wait longer,’ that’s the message the housing industrial complex is sending,” says Jeremy. Jonathan, himself a veteran of Fannie Mae, says many of the pilot projects the GSEs lead “feel like a way of just kicking the can.” So, what would a “Lawless” pilot look like? “If somebody has paid their rent on time for the last 24 months and their mortgage payment is within 10% of that, give them a f***ing mortgage and let's see how it goes.” Chrissi Johnson, the Founder and CEO of Alinement Initiative (a nonprofit housing accelerator) and VP of External Affairs at Prosperity Now , joins the discussion to talk about her work to convene multiple stakeholders to crack the housing industrial complex. Email Podcast@TheHousingInsiders.com with any questions or comments and Subscribe to Housing Insiders on your favorite podcast platform…

Housing Insiders

1
The State of Housing with Odeta Kushi 34:22

cách đây 28 weeks trước34:22

34:22

Welcome to Housing Insiders! In this pilot episode, your co-hosts Jonathan Lawless and Jeremy Potter welcome special guest Odeta Kushi , Deputy Chief Economist for First American Financial Corporation . Hear an overview of the state of housing affordability today, the cities Millennials and Gen Zers are migrating to, the impact of remote work on housing and office spaces, why the cities are (maybe) dying, and the true cost of home ownership. Email Podcast@TheHousingInsiders.com with any questions or comments and Subscribe to Housing Insiders on your favorite podcast platform…

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Reaching the Unbanked through Fintech: A Conversation with Steve Royster, MoCaFi