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Authors

Carolyn Frank

Carolyn Frank is chief human resources officer at Guild Mortgage, where she oversees the company’s HR and learning-management functions. She has more than 20 years of human resources experience with a strong background in employee relations, talent development and workforce strategy. Prior to joining Guild, she held HR positions with Genoptix, Amylin and Johnson Outdoors.

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Milton Franklin

Milton Franklin is founder and president of Commercial Mortgage Exchange Inc. (CME), which maintains direct relationships with multiple private and nonconforming funding sources. CME offers a wide range of nonbank lending sources, provides creative financing products and strategies for clients, and offers partnering opportunities for commercial mortgage brokers. Franklin is a graduate of Wharton Business School with 35 years of experience in financial services.

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Mike Fratantoni

Mike Fratantoni is chief economist and senior vice president of research and industry technology at the Mortgage Bankers Association (MBA). He is responsible for overseeing MBA’s industry surveys, benchmarking studies, economic and mortgage origination forecasts, industry-technology efforts, and policy-development research for the single-family and commercial/multifamily markets. Prior to joining MBA, Fratantoni worked in risk management and senior economist roles at Washington Mutual and Fannie Mae.

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Patrick Freeze

Patrick Freeze is the founder of Maryland Hard Money Lenders LLC. He brings more than 15 years of experience to provide specialized hard money loans for real estate ventures. With a property management company that oversees 5,500 units and employs more than 180 professionals, Maryland Hard Money Lenders has built a compelling reputation based on its extensive industry knowledge and record of accomplishment. Serving the Maryland area, the company offers fast, quality service and excels in structuring profitable deals, positioning itself as one of the top hard money lenders in the region. Reach Freeze at (443) 759-3644.

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Nancy Friedman

Nancy Friedman is the founder and chairman of Telephone Doctor, a customer-service training company headquartered in St. Louis. She has spoken at several state and national events for mortgage brokers and bank associations, and she has worked with corporations and associations on communicating better with their clients. She is the author of nine books, and her online and Zoom programs have been acclaimed as a "class act." Visit her website at nancyfriedman.com.

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Josh Friend

Josh Friend is CEO and founder of Insellerate, which offers the Althena platform with Call Assist AI, a highly scalable, configurable program that accelerates the sales process and generates repeat business. Friend began his career as a loan officer in 1999 but started the first of several mortgage companies in 2003. Friend shifted his focus to building software for the mortgage industry in 2004. He has received numerous industry awards for his work moving the mortgage industry forward.

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Christine Frohlich

Christine Frohlich is the head of data governance at Verisk Marketing Solutions, a leading data provider for the lending industry. In addition to overseeing more than 2.8 petabytes of data within her own organization, Frohlich helps banks and mortgage companies identify privacy and compliance risks and adopt data management best practices. For more information, visit jornaya.com.

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Julie Fry

Julie Fry is head of human resources and leads the learning and development department at Fairway Independent Mortgage Corp. She brings a wealth of knowledge gained through her years of experience in the HR profession, ensuring the organizational strategy is tied to business strategy. Her areas of expertise include strategic planning, mergers and acquisitions, leadership coaching, organizational development and training, talent acquisition and retention, compensation and benefits, performance management, career and succession planning, and change management.

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Tom Gable

Tom Gable is vice chair at Nuffer, Smith, Tucker, San Diego’s oldest public relations firm that merged with his firm, Gable PR, in 2015. Over the years, Gable has represented a range of clients throughout the U.S., including real estate and development companies, technology startups and Fortune 100 companies. Prior to starting Gable PR in 1976, he was business editor of the San Diego Evening Tribune and a correspondent for The Wall Street Journal.

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Rich Gagliano

Rich Gagliano is president of Origination Technologies for Black Knight Inc. (New York Stock Exchange: BKI), a premier provider of integrated software, data and analytics to the mortgage industry. As divisional leader, Gagliano is primarily responsible for the direction of Black Knight’s integrated suite of origination-focused solutions.

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Arthur Gailes

Arthur Gailes is a research fellow at the American Enterprise Institute, where he focuses on housing markets, housing finance and mortgages. Gailes manages housing supply initiatives at the AEI Housing Center while creating reports, data and AI products on increasing housing supply, light-touch density housing and the use of federal land for housing.

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Wei Gan

Wei Gan is chief technology officer and co-founder of Ribbon, where he leads the company’s product road map and vision. Through his extensive background and network in technology, software and development in Silicon Valley, Gan had a passion to start a company that was transforming the transaction of the homebuying process. Prior to Ribbon, Gan was senior software lead at Twitter.

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