Andrew Panagos, President, GO Mortgage.  Highlights include:  mortgage business model is outdated and needs reinvention; senior leadership faces an innovation gap; recruiting young talent requires a different strategy; consumer behavior has fundamentally changed and earn-out...

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Jesse Allen, President, Rate.  Highlights include:  reverse mortgages–niche to necessity; regulatory reforms have made reverse mortgages safer; distribution and awareness are the biggest constraints and future growth requires innovation in tech, training and messaging. 

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