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HEI & Home Equity Capital Markets Fall
September 8-9, 2025
Austin Marriott DowntownAustin, TX

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

General Session:

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The Home Equity Economy: Navigating Demand and Performance Through Economic Ups and Downs

  • 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
  • What is the portfolio health of Home Equity borrowers and where are we trending?
  • 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

Track A: Home Equity Investment

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Investor Underwriting & Returns: Forecasting, Valuation, and Portfolio Integration

  • 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?

Track B: Home Equity Debt Products

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Home Equity Models: Lease-to-Own, Shared Equity and Other Programs to Home Ownership

  • 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

Small Group Meetings

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Women’s Small Group Meeting

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.