Future Proof: Building the Future of Mortgage Banking

Send us Fan MailAI can absolutely lower cost and increase speed... but only if your governance is strong enough to keep efficiency from turning into liability.  In this episode of Future Proof, Melissa Langdale and James Duncan unpack why AI governance is quickly becoming a leadership issue, not just a compliance or IT project. Drawing from the webinar discussion with special guest, James Brody, Founder & Managing Partner of Brody & Gapp, LLP, they break down the pressure coming from Freddie and Fannie requirements, inconsistent state definitions of AI, and the reality that many lenders already have AI embedded inside vendor workflows whether they realize it or not. The debrief gets practical on where risk is highest—consumer-facing and decision-making use cases—and why executives need clear ownership, tighter vendor due diligence, documented testing, and governance that can stand up to regulators. Melissa and James also underscore that this cannot be treated as a one-and-done checklist; it has to live across policy, procurement, compliance, and operations. The message is clear: lenders do not have to freeze innovation, but they do need structure strong enough to capture AI’s efficiency without sleepwalking into avoidable liability.About Our Hosts:Melissa Langdale is the founder and CEO of Praxis Lending Solutions, a premier consulting firm focused on improving the operational efficiency and effectiveness for mortgage lenders.  As an experienced mortgage industry veteran, she brings a unique approach to solving problems for her clients.If you’re interested in connecting with Melissa to discover how Praxis can help restructure and refine your Operational workflow, connect with her at PraxisLendingSolutions.com.James Duncan is the founder and Chief Marketing Strategist of Caelum Advisers.  As the former Head of Marketing for more than a decade, James launched Caelum Advisers with the mission of transforming the perception of what great marketing strategy looks like in the mortgage industry.  If you are a founder, executive, or head of marketing and want to find out how to tell a more compelling story and connect with your ideal client, visit CaelumAdvisers.com.

Send us Fan MailWhat if the biggest threat in capital markets isn’t rate volatility but the technology and workflow decisions you make without understanding their downstream cost?  In this episode of our Future Proof series, Melissa Langdale and James Duncan debrief Melissa’s conversation with Jennifer McGinnis-Lubbert of Pivot Financial and unpack why the future of capital markets is less about chasing shiny technology and more about building disciplined, agile workflows. They break down the "VantageScore vs.FICO" debate as a full life-cycle issue touching warehouse lines, aggregators, seller guides, bond execution, LLPAs, and the broader question of whether the system is actually ready for change.  The conversation also gets practical on operational risk, from repurchase exposure caused by delayed employment data to OCR and document-stacking tools that still need human oversight to protect quality. Against a backdrop of higher-for-longer rates and geopolitical uncertainty, Melissa and James frame the real leadership challenge clearly: pressure-test technology across the full manufacturing process, hold vendors accountable for measurable ROI, and build governance that improves speed and profitability without  increasing risk.About Our Hosts:Melissa Langdale is the founder and CEO of Praxis Lending Solutions, a premier consulting firm focused on improving the operational efficiency and effectiveness for mortgage lenders.  As an experienced mortgage industry veteran, she brings a unique approach to solving problems for her clients.If you’re interested in connecting with Melissa to discover how Praxis can help restructure and refine your Operational workflow, connect with her at PraxisLendingSolutions.com.James Duncan is the founder and Chief Marketing Strategist of Caelum Advisers.  As the former Head of Marketing for more than a decade, James launched Caelum Advisers with the mission of transforming the perception of what great marketing strategy looks like in the mortgage industry.  If you are a founder, executive, or head of marketing and want to find out how to tell a more compelling story and connect with your ideal client, visit CaelumAdvisers.com.

Send us Fan MailWhat happens when the foundation of mortgage banking... credit models, product strategy, AI adoption, and talent development... is all shifting at the same time?In this episode of Future Proof, Melissa Langdale and Greg Sher of NFM Lending unpack the multiple forces reshaping mortgage banking all at once—from the challenge to legacy credit scoring models to the rapid growth of non-QM and the operational pressure to adopt AI more effectively. The conversation explores whether VantageScore is really just a bridge to a more data-rich underwriting future, and what that shift could mean for affordability, access, and risk. Melissa and Greg also dig into the bigger strategic questions lenders should be asking around responsible lending, cost to produce, and how to attract the next generation of mortgage professionals into a far more technology-driven business. It’s a sharp, forward-looking discussion for leaders trying to make sense of where the industry is headed before the market makes the decision for them.About Our Hosts:Melissa Langdale is the founder and CEO of Praxis Lending Solutions, a premier consulting firm focused on improving the operational efficiency and effectiveness for mortgage lenders.  As an experienced mortgage industry veteran, she brings a unique approach to solving problems for her clients.If you’re interested in connecting with Melissa to discover how Praxis can help restructure and refine your Operational workflow, connect with her at PraxisLendingSolutions.com.James Duncan is the founder and Chief Marketing Strategist of Caelum Advisers.  As the former Head of Marketing for more than a decade, James launched Caelum Advisers with the mission of transforming the perception of what great marketing strategy looks like in the mortgage industry.  If you are a founder, executive, or head of marketing and want to find out how to tell a more compelling story and connect with your ideal client, visit CaelumAdvisers.com.

Send us Fan MailWhat happens when the biggest AI risk in your mortgage company isn’t the tool you built... but the vendor, workflow, or rogue prompt you never knew existed?In this episode of the Future Proof webinar series, Melissa & James debrief our most recent interview with LaTasha Waddy and Christos Bettios of NFM Lending to unpack what mortgage leaders should actually be paying attention to as AI regulation accelerates. Drawing on NFM’s real-world experience using AI in production, they break down why lenders need a clear AI policy, named ownership, tighter vendor due diligence, and more frequent governance reviews as tools evolve from generative to agentic. The conversation zeroes in on the highest-risk areas—consumer-facing interactions, credit decisioning, marketing, fraud, and unapproved third-party tools—while also highlighting where AI can safely drive efficiency across operations. It’s a practical discussion on balancing innovation with trust, transparency, and control in a regulatory environment that is changing by the quarter.About Our Hosts:Melissa Langdale is the founder and CEO of Praxis Lending Solutions, a premier consulting firm focused on improving the operational efficiency and effectiveness for mortgage lenders.  As an experienced mortgage industry veteran, she brings a unique approach to solving problems for her clients.If you’re interested in connecting with Melissa to discover how Praxis can help restructure and refine your Operational workflow, connect with her at PraxisLendingSolutions.com.James Duncan is the founder and Chief Marketing Strategist of Caelum Advisers.  As the former Head of Marketing for more than a decade, James launched Caelum Advisers with the mission of transforming the perception of what great marketing strategy looks like in the mortgage industry.  If you are a founder, executive, or head of marketing and want to find out how to tell a more compelling story and connect with your ideal client, visit CaelumAdvisers.com.

Send us Fan MailMISMO has been a quiet, but highly influential, resource to our industry for over 25 years, setting the standards for mortgage data and system integration. But, what happens when those standards collide with innovation, AI, and automation?  Join our hosts Melissa Langdale and James Duncan as we debrief the conversation with Brian Vieaux, President of MISMO and Amy Moses, VP of Growth of MISMO as we discuss MISMO's Impact on the Future. We'll dive into ways lenders can begin to leverage MISMO as a strategic advantage (and even be a part of the conversation) as they lean into AI solutions that reduce repurchase risk and align with evolving GSE and regulatory expectations.To discover more about joining MISMO and being a part of transforming the mortgage industry, visit MISMO.org/get-involved.  Be sure to check out their Events page to find summits or other events coming in the near future.About Our Hosts:Melissa Langdale is the founder and CEO of Praxis Lending Solutions, a premier consulting firm focused on improving the operational efficiency and effectiveness for mortgage lenders.  As an experienced mortgage industry veteran, she brings a unique approach to solving problems for her clients.If you’re interested in connecting with Melissa to discover how Praxis can help restructure and refine your Operational workflow, connect with her at PraxisLendingSolutions.com.James Duncan is the founder and Chief Marketing Strategist of Caelum Advisers.  As the former Head of Marketing for more than a decade, James launched Caelum Advisers with the mission of transforming the perception of what great marketing strategy looks like in the mortgage industry.  If you are a founder, executive, or head of marketing and want to find out how to tell a more compelling story and connect with your ideal client, visit CaelumAdvisers.com.

Send us Fan MailBetween market cycles, emerging technology, and pursuit of lowering the cost of origination, Mortgage companies and their technology partners are faced with many choices when it comes to preparing for what's next.  One consideration at the forefront of every leader's mind are impacts on a modern workforce.  How can we leverage technology smartly to not only gain a competitive advantage, and also optimize our most important resource: Human Capital.In this week's episode of our Future Proof series, our hosts examine a fascinating conversation with Wes Kleckley, CEO of Pilgrim Mortgage, and Kelli Hodges, Head of Operations at Wilqo.  Every company talks about culture and their people being at the heart of why they exist.  In this week's webinar, we discuss how the companies at the forefront of transforming the industry are those who strike the right balance between efficiency and supporting the growth of their existing teams.  Tune in to hear Melissa Langdale and James Duncan unwrap the highlights of that interview.About Our Hosts:Melissa Langdale is the founder and CEO of Praxis Lending Solutions, a premier consulting firm focused on improving the operational efficiency and effectiveness for mortgage lenders.  As an experienced mortgage industry veteran, she brings a unique approach to solving problems for her clients.If you’re interested in connecting with Melissa to discover how Praxis can help restructure and refine your Operational workflow, connect with her at PraxisLendingSolutions.com.James Duncan is the founder and Chief Marketing Strategist of Caelum Advisers.  As the former Head of Marketing for more than a decade, James launched Caelum Advisers with the mission of transforming the perception of what great marketing strategy looks like in the mortgage industry.  If you are a founder, executive, or head of marketing and want to find out how to tell a more compelling story and connect with your ideal client, visit CaelumAdvisers.com.

Send us Fan MailOne of the biggest challenges mortgage lenders face in improving speed to close comes from the processes involved at the start.  Proper management of source data, and the ability to derive meaningful, reliable borrower content, is one of the keys to unlocking significant efficiency gains.  In this week's episode of our Future Proof series, Melissa and James dissect the discussion with industry veterans and Source Data Experts, Femi Ayi, EVP of Operational Intelligence at Revolution Mortgage, and Kirill Klokov, CEO at Truv.When you understand the nature of the problem posed by data collection processes, you get a better understanding of the solution needing to be solved.  Check out our latest great episode of the Future Proof series.To catch past episodes of either the Future Proof webinar or companion podcast, visit PraxisLendingSolutions.com/FutureProof.About Our Hosts:Melissa Langdale is the founder and CEO of Praxis Lending Solutions, a premier consulting firm focused on improving the operational efficiency and effectiveness for mortgage lenders.  As an experienced mortgage industry veteran, she brings a unique approach to solving problems for her clients.If you’re interested in connecting with Melissa to discover how Praxis can help restructure and refine your Operational workflow, connect with her at PraxisLendingSolutions.com.James Duncan is the founder and Chief Marketing Strategist of Caelum Advisers.  As the former Head of Marketing for more than a decade, James launched Caelum Advisers with the mission of transforming the perception of what great marketing strategy looks like in the mortgage industry.  If you are a founder, executive, or head of marketing and want to find out how to tell a more compelling story and connect with your ideal client, visit CaelumAdvisers.com.

Send us Fan MailIn a world where AI can handle the tasks, data, and follow‑up…will borrowers still trust you... or the bot?In this week's episode of our Future Proof podcast series, Melissa Langdale and James Duncan unpack the “Loan Officer of the Future” webinar with top producers Austin Lampson (Origin Point), Laura Locke (CrossCountry), and regional leader David Colgan (Movement Mortgage). Our hosts explore where AI is actually driving production today... and where it absolutely shouldn’t.  From dialers and digital assistants to Laura’s AI-powered Salesforce ecosystem and David’s Copilot-driven workflows, you’ll hear how elite LOs are using technology to compress admin time, pre-approve faster, and deepen relationships instead of replacing them. We also dig into TCPA and disclosure landmines around AI voice calls, plus practical ideas for turning AI expertise into real value for referral partners through live workshops and training.  If you’re a mortgage leader or originator trying to stay relevant, compliant, and human in an AI-heavy market, this conversation will help you separate shiny objects from tools that actually move units and margin.To register for the live Future Proof webinars, download past episodes, and hear all of the discussions, visit PraxisLendingSolutions.com/FutureProof.About Our Hosts:Melissa Langdale is the founder and CEO of Praxis Lending Solutions, a premier consulting firm focused on improving the operational efficiency and effectiveness for mortgage lenders.  As an experienced mortgage industry veteran, she brings a unique approach to solving problems for her clients.If you’re interested in connecting with Melissa to discover how Praxis can help restructure and refine your Operational workflow, connect with her at PraxisLendingSolutions.com.James Duncan is the founder and Chief Marketing Strategist of Caelum Advisers.  As the former Head of Marketing for more than a decade, James launched Caelum Advisers with the mission of transforming the perception of what great marketing strategy looks like in the mortgage industry.  If you are a founder, executive, or head of marketing and want to find out how to tell a more compelling story and connect with your ideal client, visit CaelumAdvisers.com.

Send us Fan MailThe metric is not the goal.  That was the key foundation of our most recent conversation in our Future Proof webinar series.  In this week's episode, Melissa and James dissect a discussion around AI visibility and the strategies around how SEO fundamentals are evolving in our new reality.Our guest panelists were Alizabeth Leng-Barton, Co-Founder of RankWriters, and the Future Proof's production partner (and podcast co-host), James Duncan.  In today's podcast, Melissa and James run back through the discussion calling out the best insights and dive deep on how to prioritize AI discoverability, ways consumers are using AI to solve their problems, and strategies that companies can employ to stand the best chance at being recommended by AI platforms.To register for the live Future Proof webinars, download past episodes, and hear all of the discussions, visit PraxisLendingSolutions.com/FutureProof.About Our Hosts:Melissa Langdale is the founder and CEO of Praxis Lending Solutions, a premier consulting firm focused on improving the operational efficiency and effectiveness for mortgage lenders.  As an experienced mortgage industry veteran, she brings a unique approach to solving problems for her clients.If you’re interested in connecting with Melissa to discover how Praxis can help restructure and refine your Operational workflow, connect with her at PraxisLendingSolutions.com.James Duncan is the founder and Chief Marketing Strategist of Caelum Advisers.  As the former Head of Marketing for more than a decade, James launched Caelum Advisers with the mission of transforming the perception of what great marketing strategy looks like in the mortgage industry.  If you are a founder, executive, or head of marketing and want to find out how to tell a more compelling story and connect with your ideal client, visit CaelumAdvisers.com.About Our Hosts:Melissa Langdale is the founder and CEO of Praxis Lending Solutions, a premier consulting firm focused on improving the operational efficiency and effectiveness for mortgage lenders.  As an experienced mortgage industry veteran, she brings a unique approach to solving problems for her clients.If you’re interested in connecting with Melissa to discover how Praxis can help restructure and refine your Operational workflow, connect with her at PraxisLendingSolutions.com.James Duncan is the founder and Chief Marketing Strategist of Caelum Advisers.  As the former Head of Marketing for more than a decade, James launched Caelum Advisers with the mission of transforming the perception of what great marketing strategy looks like in the mortgage industry.  If you are a founder, executive, or head of marketing and want to find out how to tell a more compelling story and connect with your ideal client, visit CaelumAdvisers.com.

Send us Fan MailDefining and clarifying the gap between what AI can "do" versus what you need it to "solve" takes intentionality.  Strategic implementation of an AI solution for your business requires deep thinking around not just the problem you're trying to solve, but how to do so responsibly.In this week's episode, our hosts break down the interview with the mortgage industry's foremost expert on Responsible AI implementation, Brooke Anderson Thompkins, founder and CEO of Bridge AIvisory.  Listen in as Melissa Langdale and James Duncan break down a highly informative conversation with BrookTo register for the live Future Proof webinars, download past episodes, and hear all of the discussions, visit PraxisLendingSolutions.com/FutureProof.About Our Hosts:Melissa Langdale is the founder and CEO of Praxis Lending Solutions, a premier consulting firm focused on improving the operational efficiency and effectiveness for mortgage lenders.  As an experienced mortgage industry veteran, she brings a unique approach to solving problems for her clients.If you’re interested in connecting with Melissa to discover how Praxis can help restructure and refine your Operational workflow, connect with her at PraxisLendingSolutions.com.James Duncan is the founder and Chief Marketing Strategist of Caelum Advisers.  As the former Head of Marketing for more than a decade, James launched Caelum Advisers with the mission of transforming the perception of what great marketing strategy looks like in the mortgage industry.  If you are a founder, executive, or head of marketing and want to find out how to tell a more compelling story and connect with your ideal client, visit CaelumAdvisers.com.About Our Hosts:Melissa Langdale is the founder and CEO of Praxis Lending Solutions, a premier consulting firm focused on improving the operational efficiency and effectiveness for mortgage lenders.  As an experienced mortgage industry veteran, she brings a unique approach to solving problems for her clients.If you’re interested in connecting with Melissa to discover how Praxis can help restructure and refine your Operational workflow, connect with her at PraxisLendingSolutions.com.James Duncan is the founder and Chief Marketing Strategist of Caelum Advisers.  As the former Head of Marketing for more than a decade, James launched Caelum Advisers with the mission of transforming the perception of what great marketing strategy looks like in the mortgage industry.  If you are a founder, executive, or head of marketing and want to find out how to tell a more compelling story and connect with your ideal client, visit CaelumAdvisers.com.

Send us Fan MailBlockchain was all the rage several years ago.  From every stage, podcast, and news report, experts were explaining how this technology would revolutionize the way we live, work, invest, and transact business.  So... what happened?On this week's episode of the Future Proof webinar series, our host, Melissa Langdale interviewed Claire Barber, Founder and Managing Attorney of Barber Law, PLLC, about where the hype went and how blockchain is gaining steam again as a transformative tool in the mortgage and real estate industry.  In this episode, James and Melissa break down how our guest addresses how the conversation has evolved, the ways in which blockchain is indeed making a difference behind the scenes, and what we can expect in the future.To register for the live Future Proof webinars, download past episodes, and hear all of the discussions, visit PraxisLendingSolutions.com/FutureProof.About Our Hosts:Melissa Langdale is the founder and CEO of Praxis Lending Solutions, a premier consulting firm focused on improving the operational efficiency and effectiveness for mortgage lenders.  As an experienced mortgage industry veteran, she brings a unique approach to solving problems for her clients.If you’re interested in connecting with Melissa to discover how Praxis can help restructure and refine your Operational workflow, connect with her at PraxisLendingSolutions.com.James Duncan is the founder and Chief Marketing Strategist of Caelum Advisers.  As the former Head of Marketing for more than a decade, James launched Caelum Advisers with the mission of transforming the perception of what great marketing strategy looks like in the mortgage industry.  If you are a founder, executive, or head of marketing and want to find out how to tell a more compelling story and connect with your ideal client, visit CaelumAdvisers.com.About Our Hosts:Melissa Langdale is the founder and CEO of Praxis Lending Solutions, a premier consulting firm focused on improving the operational efficiency and effectiveness for mortgage lenders.  As an experienced mortgage industry veteran, she brings a unique approach to solving problems for her clients.If you’re interested in connecting with Melissa to discover how Praxis can help restructure and refine your Operational workflow, connect with her at PraxisLendingSolutions.com.James Duncan is the founder and Chief Marketing Strategist of Caelum Advisers.  As the former Head of Marketing for more than a decade, James launched Caelum Advisers with the mission of transforming the perception of what great marketing strategy looks like in the mortgage industry.  If you are a founder, executive, or head of marketing and want to find out how to tell a more compelling story and connect with your ideal client, visit CaelumAdvisers.com.

Send us Fan MailThe residential appraisal process has changed significantly over the past decade related to guidelines.  But from a the standpoint of keeping up with changes in technology... not so much.  In this week's episode of our Future Proof series, Melissa and James discuss recent changes that are starting to drive major impact to the way that collateral is underwritten.  Join our hosts as they break down the conversation with Brian Vieaux, President of MISMO, and Kenon Chen, EVP of Strategy at Clear Capital and their assessment of the current state of appraisals and where innovations such as the release of MISMO's Uniform Appraisal Dataset 3.6 (UAD 3.6) are revolutionizing the appraisal world.To register for the live Future Proof webinars, download past episodes, and hear all of the discussions, visit PraxisLendingSolutions.com/FutureProof.About Our Hosts:Melissa Langdale is the founder and CEO of Praxis Lending Solutions, a premier consulting firm focused on improving the operational efficiency and effectiveness for mortgage lenders.  As an experienced mortgage industry veteran, she brings a unique approach to solving problems for her clients.If you’re interested in connecting with Melissa to discover how Praxis can help restructure and refine your Operational workflow, connect with her at PraxisLendingSolutions.com.James Duncan is the founder and Chief Marketing Strategist of Caelum Advisers.  As the former Head of Marketing for more than a decade, James launched Caelum Advisers with the mission of transforming the perception of what great marketing strategy looks like in the mortgage industry.  If you are a founder, executive, or head of marketing and want to find out how to tell a more compelling story and connect with your ideal client, visit CaelumAdvisers.com.About Our Hosts:Melissa Langdale is the founder and CEO of Praxis Lending Solutions, a premier consulting firm focused on improving the operational efficiency and effectiveness for mortgage lenders.  As an experienced mortgage industry veteran, she brings a unique approach to solving problems for her clients.If you’re interested in connecting with Melissa to discover how Praxis can help restructure and refine your Operational workflow, connect with her at PraxisLendingSolutions.com.James Duncan is the founder and Chief Marketing Strategist of Caelum Advisers.  As the former Head of Marketing for more than a decade, James launched Caelum Advisers with the mission of transforming the perception of what great marketing strategy looks like in the mortgage industry.  If you are a founder, executive, or head of marketing and want to find out how to tell a more compelling story and connect with your ideal client, visit CaelumAdvisers.com.

Send us Fan MailOn this week's podcast episode, “Future Proof: The Future of Capital Markets,” hosts Melissa Langdale and James Duncan debrief the interview with Chris Bennett, Chairman of Vice Capital Markets, to unpack what’s ahead for modern housing finance. They explore scenarios for Fannie Mae and Freddie Mac exiting conservatorship, how guarantee fees and risk‑based pricing shape affordability, and why today’s capital markets feel so different from past cycles. Chris weighs in on 50‑year and portable mortgages, supply constraints, and policy shifts that could unlock more inventory. Listen in for a roadmap to navigating mortgages, capital markets, and real estate opportunities as we head into 2026 and beyond. To register for the live Future Proof webinars, download past episodes, and hear all of the discussions, visit PraxisLendingSolutions.com/FutureProof.About Our Hosts:Melissa Langdale is the founder and CEO of Praxis Lending Solutions, a premier consulting firm focused on improving the operational efficiency and effectiveness for mortgage lenders.  As an experienced mortgage industry veteran, she brings a unique approach to solving problems for her clients.If you’re interested in connecting with Melissa to discover how Praxis can help restructure and refine your Operational workflow, connect with her at PraxisLendingSolutions.com.James Duncan is the founder and Chief Marketing Strategist of Caelum Advisers.  As the former Head of Marketing for more than a decade, James launched Caelum Advisers with the mission of transforming the perception of what great marketing strategy looks like in the mortgage industry.  If you are a founder, executive, or head of marketing and want to find out how to tell a more compelling story and connect with your ideal client, visit CaelumAdvisers.com.About Our Hosts:Melissa Langdale is the founder and CEO of Praxis Lending Solutions, a premier consulting firm focused on improving the operational efficiency and effectiveness for mortgage lenders.  As an experienced mortgage industry veteran, she brings a unique approach to solving problems for her clients.If you’re interested in connecting with Melissa to discover how Praxis can help restructure and refine your Operational workflow, connect with her at PraxisLendingSolutions.com.James Duncan is the founder and Chief Marketing Strategist of Caelum Advisers.  As the former Head of Marketing for more than a decade, James launched Caelum Advisers with the mission of transforming the perception of what great marketing strategy looks like in the mortgage industry.  If you are a founder, executive, or head of marketing and want to find out how to tell a more compelling story and connect with your ideal client, visit CaelumAdvisers.com.

Send us Fan MailNetworking is making a comeback!  In our post-COVID, AI-infused world, people are craving genuine connection.  It's simply how we're wired as humans.  But there's more to these connections than just handshakes and "being seen".Want to learn tactical ways to truly engage and connect with a community who needs to hear from you?  In today's "Future Proof" podcast, Melissa and James dive into the discussion around the topic of the "Future of Networking" with LaDonna Lockard, CEO of MaxClass and Sasha Stair, CMO at Xactus.  Our guest panelists shared their tactics around networking... before, during, and after the event.To register for the live Future Proof webinars, download past episodes, and hear all of the discussions, visit PraxisLendingSolutions.com/FutureProof.About Our Hosts:Melissa Langdale is the founder and CEO of Praxis Lending Solutions, a premier consulting firm focused on improving the operational efficiency and effectiveness for mortgage lenders.  As an experienced mortgage industry veteran, she brings a unique approach to solving problems for her clients.If you’re interested in connecting with Melissa to discover how Praxis can help restructure and refine your Operational workflow, connect with her at PraxisLendingSolutions.com.James Duncan is the founder and Chief Marketing Strategist of Caelum Advisers.  As the former Head of Marketing for more than a decade, James launched Caelum Advisers with the mission of transforming the perception of what great marketing strategy looks like in the mortgage industry.  If you are a founder, executive, or head of marketing and want to find out how to tell a more compelling story and connect with your ideal client, visit CaelumAdvisers.com.About Our Hosts:Melissa Langdale is the founder and CEO of Praxis Lending Solutions, a premier consulting firm focused on improving the operational efficiency and effectiveness for mortgage lenders.  As an experienced mortgage industry veteran, she brings a unique approach to solving problems for her clients.If you’re interested in connecting with Melissa to discover how Praxis can help restructure and refine your Operational workflow, connect with her at PraxisLendingSolutions.com.James Duncan is the founder and Chief Marketing Strategist of Caelum Advisers.  As the former Head of Marketing for more than a decade, James launched Caelum Advisers with the mission of transforming the perception of what great marketing strategy looks like in the mortgage industry.  If you are a founder, executive, or head of marketing and want to find out how to tell a more compelling story and connect with your ideal client, visit CaelumAdvisers.com.

Send us Fan MailRegulatory environments are nothing new to the mortgage industry.  But with greater adoption of AI in everyone's daily lives, technology has introduced new variables into the mix that make governing the industry a bit more challenging.On today's "Future Proof" podcast, James and Melissa dissect the discussion had with Melissa Grindel, CMCP, EVP at ActiveComply and Mark McArdle, SVP of Regulatory Affairs at NewRez.Our host and panelists covered what's happening on the legislative fronts at both the State and Federal level as well as what to expect in the future.To register for the live Future Proof webinars, download past episodes, and hear all of the discussions, visit PraxisLendingSolutions.com/FutureProof.About Our Hosts:Melissa Langdale is the founder and CEO of Praxis Lending Solutions, a premier consulting firm focused on improving the operational efficiency and effectiveness for mortgage lenders.  As an experienced mortgage industry veteran, she brings a unique approach to solving problems for her clients.If you’re interested in connecting with Melissa to discover how Praxis can help restructure and refine your Operational workflow, connect with her at PraxisLendingSolutions.com.James Duncan is the founder and Chief Marketing Strategist of Caelum Advisers.  As the former Head of Marketing for more than a decade, James launched Caelum Advisers with the mission of transforming the perception of what great marketing strategy looks like in the mortgage industry.  If you are a founder, executive, or head of marketing and want to find out how to tell a more compelling story and connect with your ideal client, visit CaelumAdvisers.com.About Our Hosts:Melissa Langdale is the founder and CEO of Praxis Lending Solutions, a premier consulting firm focused on improving the operational efficiency and effectiveness for mortgage lenders.  As an experienced mortgage industry veteran, she brings a unique approach to solving problems for her clients.If you’re interested in connecting with Melissa to discover how Praxis can help restructure and refine your Operational workflow, connect with her at PraxisLendingSolutions.com.James Duncan is the founder and Chief Marketing Strategist of Caelum Advisers.  As the former Head of Marketing for more than a decade, James launched Caelum Advisers with the mission of transforming the perception of what great marketing strategy looks like in the mortgage industry.  If you are a founder, executive, or head of marketing and want to find out how to tell a more compelling story and connect with your ideal client, visit CaelumAdvisers.com.

Send us Fan MailAre you overlaying AI onto an ineffective and inefficient workflow?  In today's episode of the Future Proof Podcast, Melissa and James debrief our most recent edition of the "Future Proof Webinar" series where Melissa interviewed three amazing innovation leaders in the Mortgage industry: Suha Zehl, Brooke Anderson Thompkins, and Dana Georgiou.In this episode, our hosts debriefed on an in-depth, content-heavy discussion streamed live from the MBA Annual conference in Las Vegas, NV.   To register for the live Future Proof webinars, download past episodes, and hear all of the discussions, visit PraxisLendingSolutions.com/FutureProof.About Our Hosts:Melissa Langdale is the founder and CEO of Praxis Lending Solutions, a premier consulting firm focused on improving the operational efficiency and effectiveness for mortgage lenders.  As an experienced mortgage industry veteran, she brings a unique approach to solving problems for her clients.If you’re interested in connecting with Melissa to discover how Praxis can help restructure and refine your Operational workflow, connect with her at PraxisLendingSolutions.com.James Duncan is the founder and Chief Marketing Strategist of Caelum Advisers.  As the former Head of Marketing for more than a decade, James launched Caelum Advisers with the mission of transforming the perception of what great marketing strategy looks like in the mortgage industry.  If you are a founder, executive, or head of marketing and want to find out how to tell a more compelling story and connect with your ideal client, visit CaelumAdvisers.com.About Our Hosts:Melissa Langdale is the founder and CEO of Praxis Lending Solutions, a premier consulting firm focused on improving the operational efficiency and effectiveness for mortgage lenders.  As an experienced mortgage industry veteran, she brings a unique approach to solving problems for her clients.If you’re interested in connecting with Melissa to discover how Praxis can help restructure and refine your Operational workflow, connect with her at PraxisLendingSolutions.com.James Duncan is the founder and Chief Marketing Strategist of Caelum Advisers.  As the former Head of Marketing for more than a decade, James launched Caelum Advisers with the mission of transforming the perception of what great marketing strategy looks like in the mortgage industry.  If you are a founder, executive, or head of marketing and want to find out how to tell a more compelling story and connect with your ideal client, visit CaelumAdvisers.com.

Send us Fan MailIf perfection is the enemy of done, then "perfect data" is the enemy of execution.  Success in the mortgage industry is won by those leaders capable of making data-driven decisions quickly.  In today's episode of the Future Proof podcast, James & Melissa discuss their interview with Sue Woddard and Jeff Walton on the importance of getting your data house in order.To register for the live Future Proof webinars, download past episodes, and hear all of the discussions, visit PraxisLendingSolutions.com/FutureProof.About Our Hosts:Melissa Langdale is the founder and CEO of Praxis Lending Solutions, a premier consulting firm focused on improving the operational efficiency and effectiveness for mortgage lenders.  As an experienced mortgage industry veteran, she brings a unique approach to solving problems for her clients.If you’re interested in connecting with Melissa to discover how Praxis can help restructure and refine your Operational workflow, connect with her at PraxisLendingSolutions.com.James Duncan is the founder and Chief Marketing Strategist of Caelum Advisers.  As the former Head of Marketing for more than a decade, James launched Caelum Advisers with the mission of transforming the perception of what great marketing strategy looks like in the mortgage industry.  If you are a founder, executive, or head of marketing and want to find out how to tell a more compelling story and connect with your ideal client, visit CaelumAdvisers.com.About Our Hosts:Melissa Langdale is the founder and CEO of Praxis Lending Solutions, a premier consulting firm focused on improving the operational efficiency and effectiveness for mortgage lenders.  As an experienced mortgage industry veteran, she brings a unique approach to solving problems for her clients.If you’re interested in connecting with Melissa to discover how Praxis can help restructure and refine your Operational workflow, connect with her at PraxisLendingSolutions.com.James Duncan is the founder and Chief Marketing Strategist of Caelum Advisers.  As the former Head of Marketing for more than a decade, James launched Caelum Advisers with the mission of transforming the perception of what great marketing strategy looks like in the mortgage industry.  If you are a founder, executive, or head of marketing and want to find out how to tell a more compelling story and connect with your ideal client, visit CaelumAdvisers.com.

Send us Fan MailMost loan programs are not differentiators. Every lender has the basics (conventional, govie, etc.). But smart lenders know how to leverage specialty products that well suited for borrowers with unique financial situations.In our most recent episode of the Future Proof series, Melissa and James debrief the conversation between our host and Paul Gigliotti, CGO for Prudent AI and Cole Bestgen, CEO of Arcasa to discuss the Mortgage Products which are shaping the futtture of the Real Estate industry.To register for the live Future Proof webinars, download past episodes, and hear all of the discussions, visit PraxisLendingSolutions.com/FutureProof.About Our Hosts:Melissa Langdale is the founder and CEO of Praxis Lending Solutions, a premier consulting firm focused on improving the operational efficiency and effectiveness for mortgage lenders.  As an experienced mortgage industry veteran, she brings a unique approach to solving problems for her clients.If you’re interested in connecting with Melissa to discover how Praxis can help restructure and refine your Operational workflow, connect with her at PraxisLendingSolutions.com.James Duncan is the founder and Chief Marketing Strategist of Caelum Advisers.  As the former Head of Marketing for more than a decade, James launched Caelum Advisers with the mission of transforming the perception of what great marketing strategy looks like in the mortgage industry.  If you are a founder, executive, or head of marketing and want to find out how to tell a more compelling story and connect with your ideal client, visit CaelumAdvisers.com.About Our Hosts:Melissa Langdale is the founder and CEO of Praxis Lending Solutions, a premier consulting firm focused on improving the operational efficiency and effectiveness for mortgage lenders.  As an experienced mortgage industry veteran, she brings a unique approach to solving problems for her clients.If you’re interested in connecting with Melissa to discover how Praxis can help restructure and refine your Operational workflow, connect with her at PraxisLendingSolutions.com.James Duncan is the founder and Chief Marketing Strategist of Caelum Advisers.  As the former Head of Marketing for more than a decade, James launched Caelum Advisers with the mission of transforming the perception of what great marketing strategy looks like in the mortgage industry.  If you are a founder, executive, or head of marketing and want to find out how to tell a more compelling story and connect with your ideal client, visit CaelumAdvisers.com.

Send us Fan MailThere are foundational principles every business needs to be successful.  While technology and terminology continually evolves, the principles don't.  In today's episode, Melissa and James recap our interview with Jemma Pachiano and Andrew Panagos to uncover how technology (specifically AI) is transforming the roles within the mortgage industry to eliminate redundancy and inefficiency.  But is it really solving the most critical problems we face in serving our clients?Tune in to hear a detailed breakdown of the highlights from our most recent webinar from the "Future Proof Webinar" seriesTo register for the live Future Proof webinars, download past episodes, and hear all of the discussions, visit PraxisLendingSolutions.com/FutureProof.About Our Hosts:Melissa Langdale is the founder and CEO of Praxis Lending Solutions, a premier consulting firm focused on improving the operational efficiency and effectiveness for mortgage lenders.  As an experienced mortgage industry veteran, she brings a unique approach to solving problems for her clients.If you’re interested in connecting with Melissa to discover how Praxis can help restructure and refine your Operational workflow, connect with her at PraxisLendingSolutions.com.James Duncan is the founder and Chief Marketing Strategist of Caelum Advisers.  As the former Head of Marketing for more than a decade, James launched Caelum Advisers with the mission of transforming the perception of what great marketing strategy looks like in the mortgage industry.  If you are a founder, executive, or head of marketing and want to find out how to tell a more compelling story and connect with your ideal client, visit CaelumAdvisers.com.About Our Hosts:Melissa Langdale is the founder and CEO of Praxis Lending Solutions, a premier consulting firm focused on improving the operational efficiency and effectiveness for mortgage lenders.  As an experienced mortgage industry veteran, she brings a unique approach to solving problems for her clients.If you’re interested in connecting with Melissa to discover how Praxis can help restructure and refine your Operational workflow, connect with her at PraxisLendingSolutions.com.James Duncan is the founder and Chief Marketing Strategist of Caelum Advisers.  As the former Head of Marketing for more than a decade, James launched Caelum Advisers with the mission of transforming the perception of what great marketing strategy looks like in the mortgage industry.  If you are a founder, executive, or head of marketing and want to find out how to tell a more compelling story and connect with your ideal client, visit CaelumAdvisers.com.

Send us Fan MailSales Coaching is a part of any industry, but this is especially true in Mortgage and Real Estate.  In today's episode, Melissa and James discuss the commentary from two outstanding coaches from the Mortgage industry in Brian Covey and Austin Lampson.  Our special panelists shared their insights on a host of topics from what strategies are setting top producers apart to the evolution of coaching in the age of AI.Tune in to hear a detailed breakdown of the highlights from our most recent webinar from the "Future Proof Webinar" seriesTo register for the live Future Proof webinars, download past episodes, and hear all of the discussions, visit PraxisLendingSolutions.com/FutureProof.About Our Hosts:Melissa Langdale is the founder and CEO of Praxis Lending Solutions, a premier consulting firm focused on improving the operational efficiency and effectiveness for mortgage lenders.  As an experienced mortgage industry veteran, she brings a unique approach to solving problems for her clients.If you’re interested in connecting with Melissa to discover how Praxis can help restructure and refine your Operational workflow, connect with her at PraxisLendingSolutions.com.James Duncan is the founder and Chief Marketing Strategist of Caelum Advisers.  As the former Head of Marketing for more than a decade, James launched Caelum Advisers with the mission of transforming the perception of what great marketing strategy looks like in the mortgage industry.  If you are a founder, executive, or head of marketing and want to find out how to tell a more compelling story and connect with your ideal client, visit CaelumAdvisers.com.About Our Hosts:Melissa Langdale is the founder and CEO of Praxis Lending Solutions, a premier consulting firm focused on improving the operational efficiency and effectiveness for mortgage lenders.  As an experienced mortgage industry veteran, she brings a unique approach to solving problems for her clients.If you’re interested in connecting with Melissa to discover how Praxis can help restructure and refine your Operational workflow, connect with her at PraxisLendingSolutions.com.James Duncan is the founder and Chief Marketing Strategist of Caelum Advisers.  As the former Head of Marketing for more than a decade, James launched Caelum Advisers with the mission of transforming the perception of what great marketing strategy looks like in the mortgage industry.  If you are a founder, executive, or head of marketing and want to find out how to tell a more compelling story and connect with your ideal client, visit CaelumAdvisers.com.

Send us Fan MailJulia Brown, Founder of Teloscope Advisors, joins the latest edition of the Future Proof Series to discuss her thoughts on the Mergers & Acquisition landscape of the mortgage industry.  In today's companion piece to the webinar, Melissa and James revision the key moments in the discussion with Julia and what she is seeing transpire across the industry, the strategies some IMBs are leveraging to grow and stay relevant, and the keys to managing a smooth transition for those executives who find themselves preparing for (or in the midst of) a new reality for the future of their business.To register for the live Future Proof webinars, download past episodes, and hear all of the discussions, visit PraxisLendingSolutions.com/FutureProof.About Our Hosts:Melissa Langdale is the founder and CEO of Praxis Lending Solutions, a premier consulting firm focused on improving the operational efficiency and effectiveness for mortgage lenders.  As an experienced mortgage industry veteran, she brings a unique approach to solving problems for her clients.If you’re interested in connecting with Melissa to discover how Praxis can help restructure and refine your Operational workflow, connect with her at PraxisLendingSolutions.com.James Duncan is the founder and Chief Marketing Strategist of Caelum Advisers.  As the former Head of Marketing for more than a decade, James launched Caelum Advisers with the mission of transforming the perception of what great marketing strategy looks like in the mortgage industry.  If you are a founder, executive, or head of marketing and want to find out how to tell a more compelling story and connect with your ideal client, visit CaelumAdvisers.com.About Our Hosts:Melissa Langdale is the founder and CEO of Praxis Lending Solutions, a premier consulting firm focused on improving the operational efficiency and effectiveness for mortgage lenders.  As an experienced mortgage industry veteran, she brings a unique approach to solving problems for her clients.If you’re interested in connecting with Melissa to discover how Praxis can help restructure and refine your Operational workflow, connect with her at PraxisLendingSolutions.com.James Duncan is the founder and Chief Marketing Strategist of Caelum Advisers.  As the former Head of Marketing for more than a decade, James launched Caelum Advisers with the mission of transforming the perception of what great marketing strategy looks like in the mortgage industry.  If you are a founder, executive, or head of marketing and want to find out how to tell a more compelling story and connect with your ideal client, visit CaelumAdvisers.com.

Send us Fan MailWhat insights do two of the most respected veterans of the Mortgage Industry have to share about the Mortgage Executive of the Future?  Find out in today's episode of the "Future Proof" podcast.  In today's recap, Melissa and James revisit some of the key moments in the discussion between Dale Vermillion & David Lykken, two of the most well-known names in Mortgage Leadership.Our discussion covered everything from what core fundamentals are missing from far too many organizations these days, both within executive leadership as well as the front-line sales and operations organizations.  Also, we hear their thoughts on the two most important shifts of our time.Don’t miss these future-focused insights on this great companion podcast hosted by Melissa Langdale and James Duncan.To register for the live Future Proof webinars, download past episodes, and hear all of the discussions, visit PraxisLendingSolutions.com/FutureProof.About Our Hosts:Melissa Langdale is the founder and CEO of Praxis Lending Solutions, a premier consulting firm focused on improving the operational efficiency and effectiveness for mortgage lenders.  As an experienced mortgage industry veteran, she brings a unique approach to solving problems for her clients.If you’re interested in connecting with Melissa to discover how Praxis can help restructure and refine your Operational workflow, connect with her at PraxisLendingSolutions.com.James Duncan is the founder and Chief Marketing Strategist of Caelum Advisers.  As the former Head of Marketing for more than a decade, James launched Caelum Advisers with the mission of transforming the perception of what great marketing strategy looks like in the mortgage industry.  If you are a founder, executive, or head of marketing and want to find out how to tell a more compelling story and connect with your ideal client, visit CaelumAdvisers.com.About Our Hosts:Melissa Langdale is the founder and CEO of Praxis Lending Solutions, a premier consulting firm focused on improving the operational efficiency and effectiveness for mortgage lenders.  As an experienced mortgage industry veteran, she brings a unique approach to solving problems for her clients.If you’re interested in connecting with Melissa to discover how Praxis can help restructure and refine your Operational workflow, connect with her at PraxisLendingSolutions.com.James Duncan is the founder and Chief Marketing Strategist of Caelum Advisers.  As the former Head of Marketing for more than a decade, James launched Caelum Advisers with the mission of transforming the perception of what great marketing strategy looks like in the mortgage industry.  If you are a founder, executive, or head of marketing and want to find out how to tell a more compelling story and connect with your ideal client, visit CaelumAdvisers.com.

Send us Fan MailIn this episode, Shashank Shekhar and Diane Yu reveal how they’re leveraging the latest in AI to transform the mortgage industry. They break down the differences between Generative AI, AI agents, and the new frontier of Agentic AI, highlighting why domain-specific training and contextualization are crucial to making these technologies truly effective for lending. From streamlining underwriting workflows to automating content creation and personalizing borrower engagement, they share how adopting AI can drive dramatic operational and sales efficiencies across the mortgage process. The conversation also explores the game-changing promise of truly agentic AI—autonomous systems that tackle complex tasks end-to-end, poised to transform everything from loan approvals to borrower communications, automate content generation along the way, and even create new roles like AI quality control to oversee these powerful tools. Don’t miss these future-focused insights on this great companion podcast hosted by Melissa Langdale and James Duncan.To register for the live Future Proof webinars, download past episodes, and hear all of the discussions, visit PraxisLendingSolutions.com/FutureProof.About Our Hosts:Melissa Langdale is the founder and CEO of Praxis Lending Solutions, a premier consulting firm focused on improving the operational efficiency and effectiveness for mortgage lenders.  As an experienced mortgage industry veteran, she brings a unique approach to solving problems for her clients.If you’re interested in connecting with Melissa to discover how Praxis can help restructure and refine your Operational workflow, connect with her at PraxisLendingSolutions.com.James Duncan is the founder and Chief Marketing Strategist of Caelum Advisers.  As the former Head of Marketing for more than a decade, James launched Caelum Advisers with the mission of transforming the perception of what great marketing strategy looks like in the mortgage industry.  If you are a founder, executive, or head of marketing and want to find out how to tell a more compelling story and connect with your ideal client, visit CaelumAdvisers.com.About Our Hosts:Melissa Langdale is the founder and CEO of Praxis Lending Solutions, a premier consulting firm focused on improving the operational efficiency and effectiveness for mortgage lenders.  As an experienced mortgage industry veteran, she brings a unique approach to solving problems for her clients.If you’re interested in connecting with Melissa to discover how Praxis can help restructure and refine your Operational workflow, connect with her at PraxisLendingSolutions.com.James Duncan is the founder and Chief Marketing Strategist of Caelum Advisers.  As the former Head of Marketing for more than a decade, James launched Caelum Advisers with the mission of transforming the perception of what great marketing strategy looks like in the mortgage industry.  If you are a founder, executive, or head of marketing and want to find out how to tell a more compelling story and connect with your ideal client, visit CaelumAdvisers.com.

Send us Fan MailRound 2 of the "Future Proof" webinar series was a banger right out of the gate!  The first episode of the new season featured two veterans of Mortgage Marketing in Meghan Handy, Chief Marketing & Customer Officer of Embrace Home Loans, and James Duncan, Founder of Caelum Advisers (and host of this podcast).In this episode, Melissa and James recapped the discussion and highlighted four specific key areas of discussion:How Loan Officers and other Mortgage Banks can compete more strategically at the local level in light of so many big mergers and acquisitions in the mortgage space (specifically, Rocket+Redfin, Lower+Movoto, and Guild+Bayview Equity).Top strategies for lenders and their sales teams to capture more "Point of Thought" moments In a world of data aggregators looking to gain more visibility with consumers.Are AI-powered Voice Agents delivering a better consumer experience or is it more noise in an already noisy market?In the world of search GEO (or AIO, AI-SEO, or whatever you choose to call it) is big news.  What do our panelists think about the future of search and how can mortgage companies position themselves for the best opportunity to stand out?To register for the live Future Proof webinars and hear all of the discussions, visit PraxisLendingSolutions.com/FutureProof.About Our Hosts:Melissa Langdale is the founder and CEO of Praxis Lending Solutions, a premier consulting firm focused on improving the operational efficiency and effectiveness for mortgage lenders.  As an experienced mortgage industry veteran, she brings a unique approach to solving problems for her clients.If you’re interested in connecting with Melissa to discover how Praxis can help restructure and refine your Operational workflow, connect with her at PraxisLendingSolutions.com.James Duncan is the founder and Chief Marketing Strategist of Caelum Advisers.  As the former Head of Marketing for more than a decade, James launched Caelum Advisers with the mission of transforming the perception of what great marketing strategy looks like in the mortgage industry.  If you are a founder, executive, or head of marketing and want to find out how to tell a more compelling story and connect with your ideal client, visit CaelumAdvisers.com.About Our Hosts:Melissa Langdale is the founder and CEO of Praxis Lending Solutions, a premier consulting firm focused on improving the operational efficiency and effectiveness for mortgage lenders.  As an experienced mortgage industry veteran, she brings a unique approach to solving problems for her clients.If you’re interested in connecting with Melissa to discover how Praxis can help restructure and refine your Operational workflow, connect with her at PraxisLendingSolutions.com.James Duncan is the founder and Chief Marketing Strategist of Caelum Advisers.  As the former Head of Marketing for more than a decade, James launched Caelum Advisers with the mission of transforming the perception of what great marketing strategy looks like in the mortgage industry.  If you are a founder, executive, or head of marketing and want to find out how to tell a more compelling story and connect with your ideal client, visit CaelumAdvisers.com.

Send us Fan MailWelcome to the inaugural episode of the Future Proof Podcast!  Our first episode is a chance for listeners to get to know our hosts, Melissa Langdale & James Duncan.  In May 2025, Melissa launched the "Future Proof" Webinar series targeting mortgage professionals and leading discussions with many of the most influential thought leaders in the industry.In our initial podcast episode, Melissa and James briefly recapped the sessions from Round 1 and the insightful discussions that resulted.  They also took a few minutes to look forward to Round 2 and the upcoming discussions, starting with the upcoming session on Wednesday, July 2, about the Future of Mortgage Marketing.To register for the live webinar series, click HERE.About Our Hosts:Melissa Langdale is the founder and CEO of Praxis Lending Solutions, a premier consulting firm focused on improving the operational efficiency and effectiveness for mortgage lenders.  As an experienced mortgage industry veteran, she brings a unique approach to solving problems for her clients.If you’re interested in connecting with Melissa to discover how Praxis can help restructure and refine your Operational workflow, connect with her at PraxisLendingSolutions.com.James Duncan is the founder and Chief Marketing Strategist of Caelum Advisers.  As the former Head of Marketing for more than a decade, James launched Caelum Advisers with the mission of transforming the perception of what great marketing strategy looks like in the mortgage industry.  If you are a founder, executive, or head of marketing and want to find out how to tell a more compelling story and connect with your ideal client, visit CaelumAdvisers.com.About Our Hosts:Melissa Langdale is the founder and CEO of Praxis Lending Solutions, a premier consulting firm focused on improving the operational efficiency and effectiveness for mortgage lenders.  As an experienced mortgage industry veteran, she brings a unique approach to solving problems for her clients.If you’re interested in connecting with Melissa to discover how Praxis can help restructure and refine your Operational workflow, connect with her at PraxisLendingSolutions.com.James Duncan is the founder and Chief Marketing Strategist of Caelum Advisers.  As the former Head of Marketing for more than a decade, James launched Caelum Advisers with the mission of transforming the perception of what great marketing strategy looks like in the mortgage industry.  If you are a founder, executive, or head of marketing and want to find out how to tell a more compelling story and connect with your ideal client, visit CaelumAdvisers.com.