Provisional Start & End Times:
September 8: 8:00 AM – 5:30 PM
September 9: 8:00 AM – 12:30 PM

• Key economic drivers impacting conditional payment rates and prepayment trends across home equity products
• What to watch from the CFPB in the months ahead
• Understanding consumer motivations and the products best aligned to meet them
• Credit score trends: Where are they headed—and how much do they really matter?
• Current and emerging investor appetite for home equity assets
• Capital treatment essentials: What institutions need to know
• How does this market react in a falling or low-interest rate environment?
• How is the industry getting financed
• Exploring Freddie Mac’s pilot program and what it signals for future agency participation
• What’s next for home valuations? Identifying over- and underperforming markets ahead

• How banks and non-banks are responding to rising consumer demand for home equity solutions
• The future of product innovation: What’s in development and what’s gaining traction?
• Servicing considerations: Challenges and best practices across home equity offerings
• Regulatory engagement: How far along are agencies in understanding and shaping the space?
• Why have banks not stepped up on what seems like a great multi-year opportunity?
• Underwriting shifts: Balancing home value vs. borrower credit strength
• Typical maximum equity exposure, transaction structures, and cost considerations
• Exploring evolving distribution strategies

• Core inputs for return forecasts: borrower credit, home values, and macro trends
• Adjusting returns by time horizon, exit strategy, and market volatility
• Using advanced valuation tools and AI to improve underwriting and limit risk
• Deal structuring, leverage, and tax strategies to boost yield
• Key traits you expect from a strong underwriter or origination partner
• Which home equity structures are most attractive—and which are red flags? What makes a product investable?
• Managing risks tied to home values and borrower performance
• Integrating HEIs into diversified portfolios with smart scaling and risk controls
• Looking ahead: How do you see the home equity investment landscape evolving over the next five years?

• Direct platforms vs. pooled funds: trade-offs in control, scale, and risk
• How platforms manage sourcing, underwriting, and homeowner engagement
• HEI securitizations: potential for liquidity and broader capital access
• Partnering with fintechs and operators to lower costs and align incentives
• Impact of fees, performance pay, and alignment on net investor returns
• Legal structures (REITs, LLCs, trusts) and their tax, compliance, and protection implications

• Understanding the end customer: borrower profiles, demand drivers, and affordability goals
• Underwriting strategies: balancing credit risk, market trends, and regulatory compliance
• Capital structures and financing options for acquisition and investment
• Oversight of mortgage, tax, and insurance obligations, plus risk mitigation protocols
• Managing downside risk: foreclosure scenarios, property maintenance, and asset protection
• Policies on second liens, HELOCs, and subordinate financing
• The role of down payment assistance and nonprofit partnerships in scaling access
• Exit strategies: hold periods, ownership conversions, and alternative monetization
• Risks, frameworks, and investor impacts of regulations

• Direct-to-homeowner vs. partner-driven origination models
• Tech platforms enabling institutional access via co-investment or managed accounts
• Growth of HEI marketplaces for broader investor access and diversification
• Integrating HEIs into larger financial products to scale distribution
• Exit strategies: whole loan sales, participations, and early securitization trends
• How distribution models affect asset quality, returns, and scalability

• The push toward shared risk assessment criteria, homeowner eligibility standards, and property valuation methodologies to increase investor confidence
• Standardizing agreement terms to reduce legal complexity
• Development of industry-wide data formats and performance reporting frameworks
• The role of third-party ratings and standardized asset pools in driving HEI adoption within institutional portfolios
• Creating protocols for seamless interaction among originators, servicers, and market participants
• Accelerating HEI standards through collaboration with associations, regulators, and investors
• Insights from Fannie Mae and Freddie Mac on how standardized loan products, documentation, and securitization practices build trust and scale in the market
• Adopting uniform servicing models to enhance investor protections and efficiency

• Key functionalities and integrations to prioritize in a LOS tailored for home equity lending workflows
• How to evaluate PPE solutions for dynamic pricing, risk-based adjustments, and real-time scenario modeling
• Best practices for aligning LOS and PPE systems to support speed, accuracy, and borrower experience
• Considerations for supporting second lien, closed-end, and HELOC products across digital channels
• Lessons learned from implementing LOS/PPE systems in complex lending environments
• Future-proofing tech stacks: scalability, vendor flexibility, and adaptability to regulatory and market changes

• Impact of HEI products on second lien and HELOC markets: Are traditional players adapting or entering the HEI space?
• Borrower profiles: Trends in credit scores, DTI, and LTV across product lines
• Refinance fatigue vs. second liens: Predicting consumer behavior amid interest rate volatility
• Aging demographic solutions: Reverse mortgages vs. cash-out options for older homeowners
• Using tech and AI to cut origination and servicing costs
• Effective cross-sell strategies and their impact on enterprise value
• Origination trends and product offerings comparison: Banks, non-banks, and credit unions
• Capital reserve considerations for different home equity structures
• Acceptable non-QM risk profiles behind primary mortgages
• Investor appetite and prepayment expectations in the current market

• Effects of Federal Reserve actions on market dynamics, liquidity, interest rates, and reset risk
• Origination strategies: Credit criteria, fees, LTV ratios, and projected revenue per loan
• Benefits of refinancing vs. taking out a second mortgage
• Profitability strategies for second mortgages with below-market interest rates
• Shifts in DTI ratios and credit score requirements for target customers
• Increase in FHA loans over the past two years and future growth opportunities
• Structural innovations: HEI as a bridge to HELOCs, piggyback HELOCs, first lien HELOCs, and other innovations
• Implications of TILA, Fourth Circuit Court rulings, and new administration policies
• Strategies to manage HELOCs nearing the end of their draw periods

• How are you leveraging virtual assistants, chatbots, and other technological advancements to enhance efficiency
• Evaluating institutional investor perspectives on maintaining servicing operations internally versus outsourcing
• Understanding the differences in delinquency rates and strategies for loss prevention
• What is your home equity education process?
• Understanding compliance challenges and potential liabilities arising from litigation
• What is the impact of first lien trends on second lien performance
• Ensuring proper tax monitoring and property insurance management
• Clarifying the roles of master, primary, and backup servicers, including contingency plans for payment defaults and HEI underwriter issues
• Reviewing the status of CFPB regulations, loss mitigation proposals, and other significant rule changes
• What litigation, or court cases may affect the industry?

• What strategies are you using to reach and acquire new customers?
• What type of partners are adding value—and which ones are you steering clear of?
• Regulatory hurdles: What it takes to get innovative products approved
• A look inside your newest product: Features, goals, and market fit
• How has your underwriting evolved in response to recent market dynamics?
• What's your policy for homeowners who can’t refinance?
• Contingency planning: What happens if HEI is re-classified as debt?
• Are you originating second homes, investment properties, or vacation rentals? What's driving your pace—or holding it back?

• Techniques for managing reclassification, prepayment, and tail risk
• Evaluating the pros and cons of best-efforts correspondent sales versus bulk loan transactions
• Comparing REMIC structures versus debt for tax purposes
• Analyzing the implications of 10-year versus 30-year call features and the role of reserve accounts
• Understanding the distribution of cash flows in securitization waterfalls
• Key factors in the valuation process for securitized assets
• Assessing the differences between rated and unrated, and public versus private securitizations
• Insights into what rating agencies are saying about these products
• Exploring the impact of Fannie Mae and Freddie Mac CES pilot programs on the market
• Examining recent innovations in the secondary market and their implications for investors

• Positioning of home equity products in relation to risk-based capital requirements
• Key issues and considerations for institutional capital
• Application and implications of usury laws on home equity products
• State-specific licensing concerns and their impact on operations
• Significant court cases and litigation to monitor, including the impact of Collins et al vs. Unison
• Developments at the CSFP, FTC, and GSEs affecting home equity products
• Essential information on disclosure obligations
• Lessons from EasyKnock's regulatory issues and how to avoid similar problems
• Compliance with federal regulations for contracts for deed and buy now, pay later lenders, including dispute investigation and refund requirements
• Importance of TILA compliance, with updates on Roberts vs. Unlock
• Addressing negative bias from consumer groups and strategies to combat it

• Analysis of the current state of home equity lending. What is the data saying?
• Performance trends across both depository institutions and non-traditional lenders
• Perspectives on the shifting competitive landscape in home equity
• Who is leading the market and who is facing headwinds?
• What broader economic factors are influencing the home equity space?
• What’s ahead for 2026 and beyond?

• Comparing securitization aggregators vs. balance sheet buyers: Liquidity, documentation, and pricing
• Investor favorites and ease of securitization for home equity products
• Benefits and drawbacks of diversifying funding sources: Impact on ROI
• Usage of warehouse lines and effects of unutilized HELOC draws on liquidity and pricing
• Recent changes in terms and areas of pushback
• Setting and achieving leverage targets for home equity products
• Current state of warehouse lines and market impact
• Capital partners' criteria and evaluation
• Trade-offs between using multiple providers vs. associated costs
• Advantages and disadvantages of various short-term financing methods

• Growth of home equity origination market: Traditional players vs. fintech and digital platforms
• Approaches: Direct-to-consumer, referral partnerships, B2B models, and their impact on scalability
• Tactics to educate homeowners, build trust, and drive conversions
• Using data analytics, credit scoring, and automated valuation models to manage risk
• Role of digital tools in streamlining origination, improving user experience, and reducing costs
• Collaboration with capital providers to finance loans and expand market presence

• Exploring the use of blockchain technology in home equity products
• Innovations in technology for engaging and training consumers
• Best practices and technological advancements in origination and underwriting processes
• Implementing technology that enhances and maintains customer engagement
• Utilizing data and technology to meet investor needs and preferences
• Enhancing valuation and appraisal processes through technology
• Identifying and leveraging unique data insights that have gained importance in recent years
• Evaluating the return on investment and operational efficiency of various technology programs

• The importance of providing comprehensive training and resources for brokers and financial advisors
• Identifying and correcting key misconceptions about home equity products
• Understanding the critical role servicers play in educating consumers
• Insights into the structure and content of your online educational tutorials
• Strategies for increasing media coverage and public awareness of home equity products
• Comparing reverse mortgages and equity products for the senior market
• Offering personalized guidance and support throughout the application process

• Assessing how much equity clients have and how much is tappable
• Identifying the best homeowners for various home equity products
• Exploring typical uses of capital from home equity loans
• Comparing preferences for reverse mortgages versus HEIs among older boomers
• Determining the income amount and sources that are ideal for different products
• Defining distressed homeowners and identifying available products for them
• Analyzing how economic changes have shifted the demographic profile of homeowners
• Creating awareness of home equity products in underserved markets through partnerships with not-for-profits, faith-based organizations, and community leaders
• Developing multilingual strategies and utilizing social media and digital platforms effectively

• Evaluating the untapped potential of reverse mortgages amid record-high home equity and an aging homeowner population
• Exploring reverse mortgage securitizations, investor appetite, and pricing dynamics
• Understanding the credit risk, prepayment behavior, and longevity risks
• How to use pooling, tranche structuring, and servicing to improve investor liquidity and performance
• The role of HECM programs in shaping investor confidence
• What investors need to know about non-agency reverse mortgages and how they are being designed, underwritten, and brought to market
• How outdated stigma and borrower misunderstanding affect adoption. What does this mean for long-term investor interest and portfolio scaling?

How can influential market players better support the growth of women in the HEI industry? To attract more women into the field and cultivate them as leaders, organizations must invest in targeted initiatives such as promoting visibility for female role models, offering leadership and mentorship training, and creating clear pathways for career progression. This small group meeting encourages an open dialogue about how to transform the market into one where women can thrive and lead.

Share best practices in this interactive closed-door meeting designed specifically for HEI originators and investors. Your questions and experiences will drive the discussion.