The 66th episode of What the M features Talia Ramirez, President of Spectrum Solutions Acquisitions LLC.

In this episode, Kent and Steve talk to Talia about her journey in the mortgage default servicing industry. Talia is well known within the industry for her incredible skills, including problem-solving, developing smarter ways to increase efficiency and productivity across teams, and helping teams and companies overcome obstacles. Talia’s mantra, “Be bold! Stop asking if you belong. Start operating like you built the table,” is great advice for all women in the industry.

Welcome to What the M, Talia!

A huge thank you to our Season 4 sponsor, Black Dome Services. Black Dome Services is a next-generation property services provider, offering a comprehensive range of services tailored to the unique needs of their clients. From property inspections, preservation, maintenance, renovations and various other interior and exterior property related services, you have a trusted leader dedicated to delivering exceptional results and maximizing the value of your properties. For more information, please visit their website at www.blackdomeservices.com or email Vic Draper at Victor.Draper@blackdomeservices.com.

The 65th episode of What the M features Sam Hantosh, Real Estate Broker at RE/MAX Team 2000.

In this episode, Kent and Steve sit down with Sam to talk about what Real Estate Owned (“REO”) Sales are and what it is like to be the boots on the ground— from securing possession, to getting a property ready to market, to securing a sale. The REO process is a vital part of the finalization of the foreclosure process, and it takes not only a lot of work but a lot of skill to assist servicers in getting these properties sold. Sam has been a longtime participant in the REO market in Michigan, who brings with him a great deal of experience, know-how and advice. Most listeners of What the M see REO from the servicing or asset management side; on today’s episode, Sam talks to Kent and Steve about what actually happens once the property hits the market.

Welcome to What the M, Sam!

A huge thank you to our Season 4 sponsor, Black Dome Services. Black Dome Services is a next-generation property services provider, offering a comprehensive range of services tailored to the unique needs of their clients. From property inspections, preservation, maintenance, renovations and various other interior and exterior property related services, you have a trusted leader dedicated to delivering exceptional results and maximizing the value of your properties. For more information, please visit their website at www.blackdomeservices.com or email Vic Draper at Victor.Draper@blackdomeservices.com.

The 64th episode of What the M features John Dunnery, Loan Servicing Manager at Compu-Link Corporation.

Another longtime friend of the show is back for his 2nd visit! John Dunnery returns to What the M and, as always, brings a wealth of valuable information with him. This time around, John is here to discuss reverse mortgages: the differences between reverse and more traditional “forward” mortgages, the regulatory and compliance hurdles that reverse mortgage servicers face, and other unique aspects of this growing industry.

John Dunnery has a BA from Boston University, a Master’s Degree from the University of Oklahoma, and a JD from the University of Tulsa. He has held senior loan servicing roles with Pacific Union Financial, JP Morgan Chase, Wachovia, and Mr. Cooper, as well as serving as a Senior Director of NSO within Fannie Mae.

Welcome BACK to What the M, John!

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A huge thank you to our Season 4 sponsor, Black Dome Services. Black Dome Services is a next-generation property services provider, offering a comprehensive range of services tailored to the unique needs of their clients. From property inspections, preservation, maintenance, renovations and various other interior and exterior property related services, you have a trusted leader dedicated to delivering exceptional results and maximizing the value of your properties. For more information, please visit their website at www.blackdomeservices.com or email Vic Draper at Victor.Draper@blackdomeservices.com.

The 63rd episode of What the M features Marcel Bryar, Founder and Managing Director of Mortgage Policy Advisors, LLC.

A longtime friend of the show is back for his 2nd visit! Marcel Bryar’s 25+ years of experience in mortgage operations, regulation, and policy oversight make him an invaluable industry resource. We feel incredibly fortunate to have him back on the show to share his thoughts on the rise of contested litigation in default servicing, the challenges servicers face with compensation, and the importance of effectively communicating these complexities to jurors (along with, of course, his latest thoughts on the World Cup!)

Welcome BACK to What the M, Marcel!

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A huge thank you to our Season 4 sponsor, Black Dome Services. Black Dome Services is a next-generation property services provider, offering a comprehensive range of services tailored to the unique needs of their clients. From property inspections, preservation, maintenance, renovations and various other interior and exterior property related services, you have a trusted leader dedicated to delivering exceptional results and maximizing the value of your properties. For more information, please visit their website at www.blackdomeservices.com or email Vic Draper at Victor.Draper@blackdomeservices.com.

The 62nd episode of What the M features Kevin Shivers, President and CEO of the Pennsylvania Association of Community Bankers.

In this episode, Kent, Steve, and Kevin take a closer look at the community banking industry. Community banks throughout the United States are a backbone of small community banking, lending and financial services to many. In these ever-changing times of the financial world, one area of growth and strength continues to be community banks – the local branch right on Main Street in your hometown.

Welcome to What the M, Kevin!

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A huge thank you to our Season 4 sponsor, Black Dome Services. Black Dome Services is a next-generation property services provider, offering a comprehensive range of services tailored to the unique needs of their clients. From property inspections, preservation, maintenance, renovations and various other interior and exterior property related services, you have a trusted leader dedicated to delivering exceptional results and maximizing the value of your properties. For more information, please visit their website at www.blackdomeservices.com or email Vic Draper at Victor.Draper@blackdomeservices.com.

The 61st episode of What the M features Kent McPhail and Steve Hladik wrapping up 2025 with a year-end review. Check it out to find out what happened- and didn’t happen- in the default servicing industry this year, along with what Kent and Steve predict is next to come in 2026!

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A huge thank you to our Season 4 sponsor, Black Dome Services. Black Dome Services is a next-generation property services provider, offering a comprehensive range of services tailored to the unique needs of their clients. From property inspections, preservation, maintenance, renovations and various other interior and exterior property related services, you have a trusted leader dedicated to delivering exceptional results and maximizing the value of your properties. For more information, please visit their website at www.blackdomeservices.com or email Vic Draper at Victor.Draper@blackdomeservices.com.

The 60th episode of What the M features Sergeant Gina Dascola, retired from the Allegheny County Sheriff’s Office and founder of Dascola Consulting, LLC.

In this episode, Sgt. Gina Dascola shares her 40 years of experience with the foreclosure sheriff sale process in Pennsylvania. While emphasizing the importance of due diligence and discussing the challenges faced during live sales, Gina also shares the impact of technology on the sales process, the effects of economic crises on foreclosure rates, and the common misconceptions surrounding the sheriff's role in the process. As she transitions into consulting, Gina offers valuable advice to her younger self, encouraging resilience and confidence in the face of challenges. We are very lucky to have Gina's expertise featured on the show, and we know that listeners will gain valuable insight from “the Dean of foreclosures in Pennsylvania”!

Welcome to What the M, Gina!

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A huge thank you to our Season 4 sponsor, Black Dome Services. Black Dome Services is a next-generation property services provider, offering a comprehensive range of services tailored to the unique needs of their clients. From property inspections, preservation, maintenance, renovations and various other interior and exterior property related services, you have a trusted leader dedicated to delivering exceptional results and maximizing the value of your properties. For more information, please visit their website at www.blackdomeservices.com or email Vic Draper at Victor.Draper@blackdomeservices.com.

The 59th episode of What the M features Glenn Brooks, President of Genstone Asset Disposition.

In this episode, Glenn shares his journey into the industry, offering a unique perspective on the challenges and opportunities that have shaped his career over the past three decades. Glenn also discusses the current state of the REO market with Kent and Steve and shares his predictions for the future, including the role of technology and AI in streamlining operations and enhancing efficiency.

Glenn Brooks leads the Asset Disposition business unit at The Fay Group, where he oversees the team responsible for helping clients maximize returns while mitigating losses on REO. Earlier in his career, Glenn held several leadership roles at Eastern Savings Bank. He also spent 10 years as a licensed General Contractor, owned a mortgage brokerage, and managed a title company operating in 18 states. With more than 30 years of experience in property preservation, construction, REO, and foreclosure management, Glenn brings a deep understanding of asset performance, value recovery, and operational efficiency.

Welcome to What the M, Glenn!

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A huge thank you to our Season 4 sponsor, Black Dome Services. Black Dome Services is a next-generation property services provider, offering a comprehensive range of services tailored to the unique needs of their clients. From property inspections, preservation, maintenance, renovations and various other interior and exterior property related services, you have a trusted leader dedicated to delivering exceptional results and maximizing the value of your properties. For more information, please visit their website at www.blackdomeservices.com or email Vic Draper at Victor.Draper@blackdomeservices.com.