- 2 days ago
On this episode of Power House, Zeb Lowe sits down with Baron Silverstein, President of Newrez, to discuss how one of the nation’s largest mortgage companies is reinventing itself for the AI era.
Silverstein shares how Newrez is using artificial intelligence to improve underwriting, servicing and the overall homeowner experience—while keeping human expertise at the center of every decision. The conversation also explores technology adoption, AI governance, crypto in mortgage lending and why the companies that learn to use AI effectively—not just adopt it—will define the next generation of housing.
Related to the episode:
Zeb Lowe’s LinkedIn
https://www.linkedin.com/in/zebulon-lowe-a02353a4/
Baron Silverstein's LinkedIn
https://www.linkedin.com/in/baron-silverstein-1b64169/
Newrez
https://www.newrez.com/
Want more from Zeb? Don’t forget to subscribe to LendingLife.
https://www.housingwire.com/newsletter/
The Power House podcast brings the biggest names in housing to answer hard-hitting questions about industry trends, operational and growth strategy, and leadership. Join HousingWire’s Zeb Lowe every Thursday morning for candid conversations with industry leaders to learn how they’re differentiating themselves from the competition. Hosted and produced by the HousingWire Content Studio.
Silverstein shares how Newrez is using artificial intelligence to improve underwriting, servicing and the overall homeowner experience—while keeping human expertise at the center of every decision. The conversation also explores technology adoption, AI governance, crypto in mortgage lending and why the companies that learn to use AI effectively—not just adopt it—will define the next generation of housing.
Related to the episode:
Zeb Lowe’s LinkedIn
https://www.linkedin.com/in/zebulon-lowe-a02353a4/
Baron Silverstein's LinkedIn
https://www.linkedin.com/in/baron-silverstein-1b64169/
Newrez
https://www.newrez.com/
Want more from Zeb? Don’t forget to subscribe to LendingLife.
https://www.housingwire.com/newsletter/
The Power House podcast brings the biggest names in housing to answer hard-hitting questions about industry trends, operational and growth strategy, and leadership. Join HousingWire’s Zeb Lowe every Thursday morning for candid conversations with industry leaders to learn how they’re differentiating themselves from the competition. Hosted and produced by the HousingWire Content Studio.
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NewsTranscript
00:00My guest today is Barron Silverstein, president of Nurez and a housing wire vanguard honoree.
00:05And we're going to dig into what he and his team have done over the last 12 months
00:09in order to make Nurez a world-class home ownership company powered by innovation and people.
00:14What that means for originators and customers
00:16and where he thinks the industry finally turns the corner on modernization.
00:30Barron, thank you for joining me.
00:32Thanks for having me, Zeb.
00:34Pleasure being here.
00:36So I know that you've been, we've never met,
00:40and this is my first time speaking to you on Powerhouse,
00:44but you have been a guest on Powerhouse before.
00:46I think you were here last year or a year or so ago with Diego.
00:49Is that correct?
00:50Yeah, I think it was probably two years ago.
00:53Okay.
00:53Okay.
00:54Well, I wanted to have you on and to talk to you about the,
00:58I just put out a podcast about the innovation era in the industry.
01:03And I know that you guys are heavily focused in innovation and forward thinking company.
01:08And I wanted to talk to you about some of the things that you guys have been doing over the
01:11last,
01:12I don't know, 12, 16, 18 months.
01:16And one of the things that I found interesting is that you are describing,
01:22or you have described Nurez as a world-class home ownership company.
01:26And I'm going to get this language exactly right.
01:28World-class home ownership company powered by innovation and people.
01:31And so I'm curious, or I wanted to start this conversation asking you,
01:36whenever you look back over the last 12 to 18 months,
01:39can you cite or can you recall two to three, I don't know,
01:44moves or decisions that in your mind have really made the most impact?
01:48Sure. I mean, certainly we continue to evolve as an organization.
01:53I want to be pretty clear, you know, about where we've been, right?
01:59And you talked about the 18 month.
02:01And I think even on what we've done in the last 18 months is we really started to accelerate some
02:05of the,
02:06you know, the foundations that we put in place.
02:09And, you know, when I hear you kind of give us a little bit of a, you know,
02:14kind of an overall perspective of our vision and what our mission is to make home happen
02:20and to do everything possible for our homeowners at all times.
02:23It's not only for our homeowners, but also for our clients and our customers,
02:27because we do have a large third-party business as well.
02:31You know, but we continue to evolve as an organization and then driving, you know,
02:37and making sure that our employees know what we want to stand for
02:42and then making sure that our customers know what we stand for as well.
02:46And then we have to deliver.
02:48And that's been a key premise for what we've been trying to do
02:52and what we've been trying to build.
02:54And when you think about us historically, you know,
02:57and I've only been here for six years and LinkedIn reminded me yesterday that was my anniversary date.
03:05But what I would say is that because of the way we've kind of been built
03:10and the way we've grown through multiple different acquisitions,
03:14we do have kind of a diverse culture set and, you know, a lot of different,
03:19what I'll say is a lot of different divisions that we want to make sure
03:23that everybody is cohesively driving for what we are standing for.
03:28And, you know, when you talk about how and where we're going
03:33and trying to be a technology-forward company is certainly what we feel like we need to do.
03:39And a lot of that has to do with who our customer set is, right?
03:43How do they want to be connected to in their home-buying journey
03:48or their home-ownership journey?
03:50And our view is it really is through technology from a digital-first perspective.
03:56We need to make sure that we're personalizing with our customers
03:59and communicating the way that they want to be communicated.
04:02And that's where we put our time and effort in driving that, you know,
04:07those initiatives throughout our company.
04:09And we've really, I would say, accelerated that over the last 18 months.
04:13Congratulations, by the way, on the six-year anniversary.
04:18I was stalking you a bit on LinkedIn leading up to this conversation
04:23because I wanted to see what you've been up to lately.
04:25And I saw maybe about a month ago you were in Cabo for the President's Club.
04:31Yeah.
04:32And I was curious.
04:33I know that I've been on a couple of those trips,
04:37and so it's not kind of fluctuates back and forth between being, you know,
04:42talking shop with originators and then just talking life with your partners, right?
04:47But I was curious to know or get your feedback on what your originators are telling you
04:53about the market today.
04:55And also curious to know how you think of that whenever you're –
04:59how that informs like a feedback loop for you whenever you're shaping out
05:04your roadmap for the future.
05:05Yeah, I mean, look, the originators for us, our salespeople, you know,
05:11our loan officers, our account executives, right?
05:14That's our front door to all of our clients, you know,
05:18whether it's on the origination side or even on the servicing side.
05:21So the feedback loop for me is, if not daily, you know,
05:26it is definitively on a weekly perspective, listening to what they have to say, right?
05:31If we're missing something on the pricing side, if we're missing something on the product side, right,
05:37or is there a technology that they feel that they need, you know,
05:43that's critical to, you know, them excelling in their job every single day, right,
05:48as basically one of our mouthpieces to our customers.
05:53And, you know, an interesting thing there, and I'm sure we'll talk a little bit more about AI,
06:00but, like, as we even think about AI, how do we expand, you know,
06:05any kind of any of these tools from a sales perspective to make salespeople better
06:10and more efficient so they, you know, know more information at the time they're having
06:14those conversations.
06:16And, you know, that's been a key focus for us as well is trying to make sure that we
06:21expand our tool set on the sales side.
06:24And we've expanded that into kind of sales product expertise.
06:30You know, interestingly enough, we have a salesperson in our organization who is just
06:37very much AI forward and how they think about running their day-to-day business,
06:42and we've incorporated them as part of our product teams just to kind of drive many of
06:47the initiatives that we're trying to build out.
06:50Yeah, and I want to take a deeper dive into AI with you in a second.
06:55But before we get into AI specifically, because I think you guys are doing some really, really
07:00interesting things there, I'm curious to know, you've been awarded or named HousingWire
07:07Vanguard, and that recognizes the executives that are shaping the future of the housing industry.
07:14And I'm curious to know, if you fast forward, you know, five or 10 years, where do you think
07:21we'll look back and say, this is, people talk about this a lot, we're at an inflection point.
07:27You know, this is the moment that the industry really turned a corner.
07:31Do you think that we've already kind of crossed that threshold?
07:34Or do you think that that lies before us?
07:37And what do you think that will signal that change or that corner change?
07:40So, look, I think it is, we've not passed, you know, the turning point, we are just starting
07:48it.
07:48And that can be seen already based upon the tools that are in front of us today, whether
07:53or not, you know, you as an individual use ChatGBT, or you use Claude, or use any of the
07:58other tools that are out in the market today.
08:01And the evolution of these tools, what you were using, you know, six months ago, three
08:08months ago, has already evolved from there, right?
08:12So, you know, how fast any of these tools continue to evolve and change from a workplace
08:18perspective, just, you know, it's just, it's almost kind of like it's hard to keep up, right?
08:24So, like, we incorporated, just using as an example, like Copilot, you know, relatively,
08:29what I'll say is low-hanging fruit to incorporate that as part of your Microsoft suite of products.
08:35But, you know, what my Copilot can do for us versus necessarily what something like Claude
08:41can do for us broadly as an organization, it's really kind of hard to compare them.
08:47And, you know, six months ago, you weren't really talking about Claude and what it can
08:52do for you as an organization and how it can basically drive a lot of the initiatives that
08:58we want to do.
08:59And I would even tell you that, you know, you can't even just use one of those tools, you
09:04have to actually have familiarity with each of those tools to try to be impactful and
09:08effective.
09:09So, you know, we, I would say that this is the beginning of this journey.
09:14I will tell you broadly from my seat, this is likely going to be and will be and change
09:24the industry very much as to where we're otherwise headed.
09:27So any companies that are not necessarily down the path and evaluating different initiatives
09:33that they want to, you know, take within their organization, however they choose to kind of
09:38attach to it, you know, but it needs to be evaluated.
09:42It is going to change what we do and how we do things.
09:46Yeah, I think that I'm kind of more on the side of the where there, we're, that was actually
09:52the, one of the last episodes that around innovation in the industry is that we, for a long time,
09:56this innovation has been powered by industry.
09:59I mean, powered by innovation and what we're entering into now, we're entering into, we're
10:06really at the end of something that we don't quite understand.
10:09And in the beginning, we're not starting something new yet.
10:12We're at the end of this old model.
10:14And when, you know, mainly AI, really, we reach some sort of like, you know, event horizon
10:21or singular, whatever you want to, whatever you want to call it, when systems really start
10:24talking to systems from, from end to end, not even in a linear manner, but they're informing
10:30each other in real time.
10:33We really don't have any sort of concept of what that, how that will transform things
10:38and what that actually really looks like.
10:41We don't really have anything to compare it, you know, to compare it to.
10:45But, you know, we're definitely, you know, making strides in that direction.
10:49It's actually what I wanted to talk to you about, which I found really interesting was
10:52your investment in Home Vision, right, which is this AI powered mortgage underwriting platform
10:59that goes beyond, you know, income or beyond collateral, you know, goes into income and
11:05assets and credits.
11:07Walk me through all that.
11:09And, you know, how do you, how do you measure success within that platform moving forward?
11:15Yep.
11:16Let me, if I just start, one of the things I think, and you talked a little bit about
11:20this, Seb, is that the, the industry is kind of connected to, and you use this term somewhat
11:27of this legacy technology, right?
11:30And this is how we run our operating businesses and all of the companies have run their operating
11:34businesses and, and we've attached to a lot of different components to it, right?
11:39So if you think about like the technology ecosystem to any mortgage company, they are going to
11:44have, you know, somewhere between 20 to 50 different partners that they use, you know, for different
11:50components of, of what they are otherwise trying to accomplish for part of their mousetrap of
11:55delivering the process, whether it's on the origination side, on the servicing side, and then each of the
12:01different components from there.
12:03And, you know, this, these technologies, some, you know, have different capabilities and different
12:09functionalities.
12:10When you incorporate something like where we are from, you know, these, any of these LLMs in the market,
12:17right, and what you can see AI can otherwise accomplish, right, you need to make sure that the legacy
12:23technology that you have in the place is native enough that it can incorporate, right, these LLMs to try to
12:32understand how they're set up, make them as efficient as possible, and then give you that extra, what I'll call
12:38alpha or this
12:39extra capacity and power to try to drive your efficiency and to drive your process to try to, whatever it
12:47is that
12:47you're trying to accomplish.
12:48So from, from our perspective, we, we took a couple of different tacks.
12:53We sat there and said, look, we can try to build it ourselves, or we can try to partner with
12:57people that have been
12:58very successful at, you know, building out these AI native tools.
13:03So you asked about, you know, Home Vision in particular, right?
13:07You know, in our discussions with Home Vision, we were really, really happy with their appraisal product.
13:12We felt it was differentiated themselves to the industry.
13:16And we started talking to them about other, you know, places to expand.
13:20And it really kind of expanded into, you know, a more strategic type partnership and a more strategic type
13:27relationship for us to, you know, redefine and rethink, you know, what I would say, how we do underwriting today.
13:35And, you know, we were doing it in kind of multiple different steps with modules, right, and looking at income
13:42and then assets and then moving downstream.
13:44And then basically thinking about it from, you know, an efficiency perspective.
13:49So we can really kind of elevate, you know, the customer experience and timelines that it takes to basically deliver,
13:56you know, approvals for them.
13:58And obviously try to make sure that they're, we can, we can deliver as seamless of an experience to our,
14:04to our homeowners, you know, in a very, very quick manner.
14:07So that was the partnership and, you know, doing that with someone like Home Vision is, you know, for us,
14:15we felt that that was the right path versus just trying to figure out and say,
14:18we're going to build it ourselves and then maybe we can commercialize it in the, in the future.
14:23And our thought was let's partner with somebody that was really kind of AI forward.
14:28And, and they had a successful track record already with their, their appraisal product.
14:33So it was really kind of, we felt a really good partnership between both companies.
14:38Where are you comfortable on from a underwriting standpoint specifically, where are you guys comfortable letting me, AI make these
14:44decisions kind of automatically?
14:45And then where do you insist that, you know, human judgment is firmly in the loop?
14:51Yeah.
14:51So you're, we're never going to get away from human in the loop.
14:55This is not me to tell you that we're going to be automating a hundred percent of every function that
15:01we otherwise, you know, need to get done.
15:04So the human in the loop will always otherwise be there.
15:06But to the extent that we can have the machines basically do things from either a prep perspective or even,
15:14you know, an organizational perspective, right?
15:18Those are the places where AI can really, really create that added efficiency.
15:23The human in the loop is never going to go away, right?
15:26It's the manual tasks that they need.
15:28So if someone needs to, you know, tell me they have to do A, B, C, D, right?
15:33But A, B, C is not the decision.
15:36A, B, C is I have to organize it in this manner.
15:38And instead I can just deliver an underwriter and just say, here's D.
15:42D, this has been validated and then this is the visualization and these are the gaps.
15:48And then the human in the loop can basically make the determination as to what needs to be followed up,
15:52what additional information.
15:54But you're delivering it to them that speeds up a lot of the process.
15:59Now, some of it you can do, you know, much, much faster to the extent that the consumer is willing
16:05to basically go through some of the other automated engines that are out in the marketplace today.
16:09So it's not like you're going to completely remove some of these other tools that we have.
16:14It's just that we're going to amplify along with those tools to continue to try to deliver a better experience.
16:21And that's what it is.
16:22The human is always going to be there.
16:24So I'm curious to know how you, from a leadership and communication standpoint, communicated or communicate that to your, you
16:32know, your underwriters or ops team, because there is, you know, there's obviously there's the anxiety around like, I'm going
16:38to be replaced by a bot or I'm going to be replaced by a computer, you know.
16:42So what what was that rollout strategy in your and your communication tact with them to ensure that you're in
16:50this is not here to replace you.
16:52This is here to make you more efficient and enhance your position.
16:56Well, you just did my job for me, Zeb, because that was exactly what it was.
17:00Right. So we actually we knew that was the question.
17:05And I will tell you, like, we've spoken to the underwriting leadership and they're excited about it, honestly, more than
17:12anything else.
17:12Right. We continue to basically, you know, grow our underwriting teams.
17:17We have a great leadership team there as well.
17:21So from from our perspective, right, it's kind of like transforming the industry, you know, and making their process easier,
17:29faster, better.
17:29Right. Like, you know, there's a lot of things that they otherwise need to do.
17:33So to the extent that they can actually get support and help, I think it'll definitely make the process significantly
17:40better for them.
17:41So I will tell you, you know, I would sit here and love to say, look, we know everybody is
17:51going to this is going to make your job so much easier.
17:54But like, it's going to be an iterative process as we continue to build out our underwriting tools and how
17:59we're otherwise trying to deliver this.
18:02So I have the thing that I found really interesting is that you have integrated AI into the servicing side.
18:10And when you layer that in with your AI underwriting, you're getting close to what I had mentioned or alluded
18:19to at the beginning, where you have this a this end in AI informed mortgage lifecycle.
18:25And whenever that when those tumblers lock into place fully and you have systems begin speaking to systems in, you
18:32know, in real time that you're creating new opportunities that I don't think that we've that we've really thought of
18:40yet.
18:40And I'm curious as to know, one, if you could speak to the servicing part a little bit, the servicing
18:45decision and also see if you yet if you've seen any any new opportunities open up yet that simply that
18:51just weren't really possible previously.
18:54Yeah, so I'll say similar to Home Vision, we're also incredibly excited about Valen, you know, Valen to us is
19:04completely different from any of the other servicing operating systems in in the market.
19:10And just how easy it is to basically adjust workflow, you know, and how it basically just changes, right, how
19:20information flows throughout the system where everything is interconnected, right?
19:25And it being AI native, as I said before, right, our ability to use AI tools and LLMs to really
19:32kind of do a monitoring of everything that is happening within what I'll call our servicing lifecycle is it's unmatched.
19:39There is no other system in the market like Valen, hands down.
19:45And we're very, very excited about the move.
19:49And, you know, it can't happen fast enough.
19:51But I will what the interesting thing, even when I say that, right, we're going to begin moving in the
19:57first quarter of 25.
19:59And if you think about moving four and a quarter million loans and let's go back 10 years ago and
20:04trying to move this over the three to four year process,
20:07we're going to get this done inside of two from the time we've signed.
20:11And, you know, we, you know, we cannot get there fast enough.
20:16And I think it's going to really, really change, you know, one, how we do things, how we're organized with
20:22all of our data.
20:24And as well, right, the CX component on how we connect to our customers, whether third party servicing customers or
20:31even on our homeowners across both spectrums.
20:34Right.
20:35This is is going to be game changing for how we operate today.
20:40And, you know, as I said before, we're really excited about, you know, what what is to come, you know,
20:45with that partnership and that technology.
20:48From a from a company structure standpoint, does this require or has this required a standalone governing body or compliance?
20:59Offshoot of the standard compliance department to where you're, you know, you're you're like said, there's a governing body from
21:04from, like I said, from beginning to end everywhere.
21:07AI is implemented or do you still have the same governance and compliance structure as traditionally?
21:14I mean, it's a different question, right?
21:16Like you have to think about it as though Valen is just an operating system.
21:21How we choose to utilize any of the LLMs within kind of our walls, right?
21:29We do evaluate that.
21:31And, yes, there is kind of how we think about it from an AI perspective and the risks associated with
21:37that.
21:38You know, there are regulators as well are obviously concerned about how we utilize, you know, AI or any of
21:46the LLMs within our data.
21:48Right. And, you know, there's no question it is a significant focus for us to make sure.
21:54And we are not diving in our view on something like Valen.
21:59It's just the way of the makeup of their operating business.
22:03So when and if we choose to use different LLMs against that information, obviously, we have to feel comfortable that
22:10are all of the information is within the walls.
22:12And that's a really a key thing.
22:14And I think all organizations are still kind of evaluating, you know, their ability and how they want to utilize
22:21different LLMs across their data set and across their information and the tools that they're going to give to their
22:27employees.
22:30Let's shift to crypto for a second.
22:33And I could be I know that you were you may you may have been the new res may be
22:37may have been the first, but I know that you were definitely one of the first major lenders to recognize
22:42crypto in the mortgage qualification process.
22:47So I'm curious to know what what conversations or debates were like leading up to that decision.
22:54And then, you know, what what tipped you or however many people that had to get on board with it
23:00from, you know, this is an interesting idea idea to, yeah, we're you know, we're actually going to do this.
23:05Yeah, the tipping was really simple, right?
23:08If you you can look at your personal trading account and if you have an ETF and it's an ETF
23:13backed crypto backed, you know, ETF, excuse me, I didn't say that well.
23:17But, you know, you look at it and you're like, OK, I can own this.
23:21It's traded in, you know, U.S. regulated or, you know, institutions and, you know, anybody can buy it.
23:27Right.
23:28So and if you look at the GSE guidelines, you know, they're they're haircuts associated with ETFs and this one
23:37just happens to be crypto.
23:39Right.
23:40And there's no you can't actually have it to be a mortgage qualification.
23:44So intuitively to me, it was just that was very straightforward that this doesn't make a lot of sense as
23:51to why you get no credit and you have to sell your crypto assets.
23:54Now, you know, we can ask real quick.
23:57Right. That's not so it's not exclusive to because a lot of people think crypto like Bitcoin and crypto to
24:02a lot of people are inter, you know, interchangeable.
24:04They're there's so many different.
24:06So basically that was I was just saying kind of like how I thought about it.
24:10Right.
24:11So my view was that, you know, from a risk perspective, you know, the current framework was, yeah, you needed
24:19to have enough assets or liquidity to basically buy a home.
24:24And, you know, that was really kind of the key driver.
24:28And we were basically saying that if you had crypto assets and the only assets that you had to basically
24:33qualify, you know, from an asset perspective and you needed to sell it and convert it into cash, it didn't
24:38make any sense.
24:39Because if you owned ETFs or crypto backed ETFs, you didn't have to sell it.
24:44So it was really as simple as that was really the driver.
24:47Then it really kind of came down to the real questions as to what you just asked that as to,
24:52all right, well, how do you otherwise want to define, you know, qualified custodians or qualified types of, you know,
25:00assets that we're otherwise going to accept as part of the, you know, this process?
25:05And we did, we did diligence around our views as to how we would basically approve custodians and what type
25:14of assets that we otherwise wanted to, you know, basically accept, right?
25:18Whether they're stable coins, whether they're Bitcoins or something like that.
25:21And then we do have a framework for how we were basically, you know, providing that, those standards and those
25:27guidelines.
25:28And how, how do you guys account for the, the, the volatility for any crypto that, you know, Bitcoin is
25:36obviously the most stable, but there's volatility there.
25:39And then it falls down to Ethereum and ERP or I can't, I can't remember all of them, but how
25:45do you guys account for volatility and what, what kind of like threshold do you guys have?
25:49So, so look, as part of the analysis, we've, you know, we did price, you know, historical price analysis across,
26:01you know, what that volatility looked like to come up with what we thought was the appropriate haircut.
26:06That's really what it was.
26:08Again, as I said before, right, you could own, own gold futures.
26:13You could own any kind of futures contract and in your personal account and gotten credit for it, right?
26:21Based upon GSE guidelines, it could have equally as much volatility.
26:24As I said, you could have a crypto backed ETF that has the same volatility of whatever it's backed by.
26:31Let's assume it's a Bitcoin ETF has the same volatility as owning a Bitcoin and you still had a haircut
26:37and you didn't have to sell it.
26:38And that was really kind of the driver for us as to, you know, the impetus as to it didn't
26:44make any sense that you were giving no credit for the asset, you know, and we went down the path,
26:50the diligence path to really kind of make sure that, you know, we were being appropriate from the risk perspective,
26:58you know,
26:58and then making sure that we felt comfortable of, you know, the types of institutions that we felt comfortable from,
27:06you know, the regulatory perspective.
27:09And that's kind of the program that we set up and look, I think it is going to continue to
27:13evolve and, you know, we'll see how things, you know, kind of if they continue to expand.
27:20Whenever you look at your, or looking forward, this investment that you've made in this sort of innovation, you know,
27:29from AI partnerships and the crypto and where do you think in the industry right now,
27:35or where do you think people in the industry or the industry itself is right, is still under investing?
27:40I mean, I mean, definitively, I don't think people know yet how to utilize AI will tell you that.
27:47I also think the industry is changing, and it always does.
27:51So, and I, you know, we all, all of us in my seat or otherwise understand, you know, the risks
27:57and the volatility in the mortgage business, right?
28:01And the key thing is, you know, and the common thread for all of us is that, you know, our
28:06customer service and the experience that customers have with you is key to our success.
28:11And, and, and, and that is really critical.
28:14So, you know, that to me, it's not just about, you know, when I think about who we are as
28:22an organization, especially given the size of our servicing portfolio for us, I spend 90 days to close alone, right?
28:29But I now have the borrower for 30 years now, like, so I have to think about, you know, where
28:35I want to make sure that, you know, we are staying connected to that customer.
28:40And, you know, you talked about salespeople in the president's club, you know, our, our sales teams doing a great
28:46job with our clients and our homeowners.
28:48They do, and they always have, and I know they're going to continue and it's more about, you know, making
28:53sure that they have the right tools in front of them.
28:56And then we have to make sure that the backend, right?
28:58The servicing side is they have the same tools and then we treat the homeowners the same way.
29:05And, you know, I call it, we call it our homeownership experience, you know, our HX for us.
29:10And, you know, us continuing to deliver that is critical to our success.
29:15And I think that's, you know, kind of where we're going to spend our dollars and how we think about
29:20our business and our platform.
29:22Well, Barron, thank you so much for joining me.
29:23I really appreciate you taking the time and it was a pleasure speaking with you.
29:27Zeb, thanks for having me on.
29:28Appreciate it.
29:30And I'm looking forward to continuing dialogue in the future.
29:34Yes, sir.
29:34Me as well.
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