The Pavan Perspective

In this episode of The Pavan Perspective, Tim Slevin and Lukas Rosenblum break down how top real estate agents and loan officers are building a predictable, scalable lead generation system using Ai, we break down why traditional lead strategies are failing, how top producers generate and connect with high-quality prospects, and the strategy to turn cold calls into consistent closings. If you’re tired of overpriced leads and inconsistent pipelines, this episode reveals a smarter, quicker way to own your leads, scale your business, and win in today’s competitive market.Speaker InformationPavan AgarwalCEO of Sun West and Creator of AngelAiPavan Agarwal is the Chief Executive Officer of Sun West, one of the largest independent, privately owned mortgage companies based in the U.S. He is also the founder of Celligence, which harnesses the best of Artificial Intelligence and Emphatic Technology to make mortgages simple and accessible to everyone. Pavan is a major proponent of Fair Lending and using technology to create homeownership opportunities for underserved markets. He loves to bring innovation into the mortgage industry and seamlessly integrate business units, products, and disparate goals into a single architecture to achieve success. Pavan's exceptional achievements have garnered recognition from prestigious media outlets, including Fox News, Yahoo!, and Bloomberg. He's also been nominated for a national philanthropy award for his work with The Autism Community in Action (TACA).Tim SlevinCEO of The Share GroupTim Slevin is the CEO of The Share Group, an Omaha-based data science company powering Realtors®, brokers, loan officers, and home services firms with high-quality, on-demand data. The Share Group has become one of the industry’s leading data marketplaces, supporting 10,000+ Realtors and Brokers across every major brokerage, and playing a key role in outbound prospecting success for top partners including Sun West Mortgage.With 20+ years of experience in high-growth, data-driven organizations, Tim specializes in scalable sales architecture, operational discipline, and building teams that consistently outperform.Before The Share Group, Tim founded Healthcare Data Solutions, driving 32 consecutive quarters of double-digit growth, earning 3× Inc. 5000 recognition, and leading its acquisition by IQVIA. Through Slevin Advisory Group, he has also built and exited multiple companies, including doubling the enterprise value of BuildCentral prior to its sale to BCI International.Lukas RosenblumNMLS 196011Chief Client Officer at AngelAiLukas Rosenblum is the Chief Client Officer at AngelAi®, where he works alongside CEO Pavan Agarwal to democratize finance and create equal access for underserved communities worldwide. With deep expertise in real estate, fintech, and sales leadership, he specializes in Ai-driven lead generation, data intelligence, and scaling high-performance teams. A Texas market expert and NMLS-licensed professional, Lukas is passionate about leveraging Ai, blockchain, and smart automation to expand opportunity, empower businesses, and help professionals compete on a level playing field. His mission is to use technology not just to drive growth, but to unlock economic opportunity and bring the dream of financial inclusion to millions.AngelAi, Fox News, Yahoo!, Bloomberg, Realtors, IQVIA, and BuildCentral are registered trademarks of Celligence LLC, Fox Media LLC, Yahoo Inc., Bloomberg Finance One L.P., National Association of Realtors, IQVIA Inc., and BuildCentral, Inc., respectively.Sun West Mortgage Company, Inc. is acting as the Lender and offers financing to qualified borrowers. Sun West Mortgage Company, Inc is not affiliated with any third parties mentioned above. The names are owned by the respective third parties.

Is business success random or is it something you can actually predict? In this episode of The Pavan Perspective, David Lykken sits down with Pavan Agarwal to unpack a powerful idea: what feels like chaos in business is often just math we don’t fully understand yet. From Markov chains and blackjack strategy to the foundations of modern Ai, they break down how decisions should be made — not on past outcomes, but on what’s in front of you right now. The takeaway? It’s not magic. It’s math — and once you see it, you’ll think about risk, growth, and decision-making very differently.Speaker InformationPavan AgarwalCEO of Sun West and Creator of AngelAi®Pavan Agarwal is the Chief Executive Officer of Sun West, one of the largest independent, privately owned mortgage companies based in the U.S. He is also the founder of Celligence, which harnesses the best of Artificial Intelligence and Emphatic Technology to make mortgages simple and accessible to everyone. Pavan is a major proponent of Fair Lending and using technology to create homeownership opportunities for underserved markets. He loves to bring innovation into the mortgage industry and seamlessly integrate business units, products, and disparate goals into a single architecture to achieve success. Pavan's exceptional achievements have garnered recognition from prestigious media outlets, including Fox News, Yahoo!, and Bloomberg. He's also been nominated for a national philanthropy award for his work with The Autism Community in Action (TACA).David LykkenFounder and Chief Transformation Officer | Executive Coach and Business Strategy ConsultantTransformational Mortgage Solutions, LLCDavid Lykken is a seasoned mortgage industry expert with over four decades of experience. As a former owner-operator of three mortgage banking companies, a software firm, and several leading consulting businesses, David has a proven track record of driving growth through consulting, executive coaching, and strategic communications. He specializes in working with C-level executives and business owners to develop business strategies, enhance sales and marketing efforts, and streamline operations for greater efficiency and profitability. David is a regular guest on FOX Business News and CNBC and hosts the popular weekly podcast, "Lykken on Lending," which attracts thousands of mortgage professionals nationwide. He also produces the daily market commentary, "Today’s Mortgage Minute," which reaches millions of viewers through various media outlets. In addition, David is a prolific writer, contributing articles to leading industry publications on a regular basis.AngelAi, Fox News, Yahoo!, and Bloomberg are registered trademarks of Celligence, Fox Media LLC, Yahoo Inc., and Bloomberg Finance One, respectively.Sun West Mortgage Company, Inc. is acting as the Lender and offers financing to qualified borrowers. Sun West Mortgage Company, Inc is not affiliated with any third parties mentioned above. The names are owned by the respective third parties.

In this episode of The Pavan Perspective, host David Lykken sits down with Troy Kennedy, founder of LoanWorks.ai, and Loan Officer Jodi Perry to show what Ai-powered mortgage lending looks like in practice — not as a promise, but as a daily reality. From driving 8 hours round-trip to retrieve a forgotten laptop, to closing a fully underwritten loan from her phone over Sunday cocktails, Jodi's story is relatable and revolutionary. Troy shares why LoanWorks.ai — built on AngelAi's® neural network — isn't incremental change, but a complete reinvention of how mortgages get done. If you're a loan officer still buried in files and tethered to your laptop — this episode is your wake-up call.Speaker InformationPavan AgarwalCEO of Sun West and Creator of AngelAiPavan Agarwal is the Chief Executive Officer of Sun West, one of the largest independent, privately owned mortgage companies based in the U.S. He is also the founder of Celligence, which harnesses the best of Artificial Intelligence and Emphatic Technology to make mortgages simple and accessible to everyone. Pavan is a major proponent of Fair Lending and using technology to create homeownership opportunities for underserved markets. He loves to bring innovation into the mortgage industry and seamlessly integrate business units, products, and disparate goals into a single architecture to achieve success. Pavan's exceptional achievements have garnered recognition from prestigious media outlets, including Fox News, Yahoo!, and Bloomberg. He's also been nominated for a national philanthropy award for his work with The Autism Community in Action (TACA).David LykkenFounder and Chief Transformation Officer | Executive Coach and Business Strategy ConsultantTransformational Mortgage Solutions, LLCDavid Lykken is a seasoned mortgage industry expert with over four decades of experience. As a former owner-operator of three mortgage banking companies, a software firm, and several leading consulting businesses, David has a proven track record of driving growth through consulting, executive coaching, and strategic communications. He specializes in working with C-level executives and business owners to develop business strategies, enhance sales and marketing efforts, and streamline operations for greater efficiency and profitability. David is a regular guest on FOX Business News and CNBC and hosts the popular weekly podcast, "Lykken on Lending," which attracts thousands of mortgage professionals nationwide. He also produces the daily market commentary, "Today’s Mortgage Minute," which reaches millions of viewers through various media outlets. In addition, David is a prolific writer, contributing articles to leading industry publications on a regular basis.Troy Kennedy CEO of LoanWorks Inc. | NMLS 2506079Troy Kennedy is the Chief Executive Officer of LoanWorks Inc., bringing over 30 years of experience in building, scaling, and leading large-scale organizations. He is a seasoned executive with cross-functional expertise across operations, technology, finance, sales, and marketing, and is known for his ability to navigate change and drive strategic growth. Troy is passionate about delivering innovative, disruptive improvements in the lending industry that enhance both efficiency and customer experience.Jodi Perry Loan Officer at LoanWorks Inc. | NMLS 2506079Jodi Perry is a Sales Manager at LoanWorks, Inc. and a licensed Loan Officer (NMLS 1466842) with over two decades of experience in mortgage lending, sales leadership, and business development. Known for consistently exceeding performance goals, Jodi has built a reputation for driving growth, leading high-performing teams, and delivering exceptional client experiences. She is passionate about building long-term relationships, often turning clients into lifelong connections through trust, service, and results.Fox News, Yahoo!, Bloomberg, MetLife, and CNBC are registered trademarks of Fox Media LLC, Yahoo Inc

Discover how Ai is revolutionizing real estate lead generation in this episode of The Pavan Perspective. Tim Slevin and Lukas Rosenblum share powerful strategies to help you build your lead pipeline, eliminate cold calling, and leverage cutting-edge technology to attract high-quality prospects. Don’t miss out on the future of real estate marketing – tune in now and learn how to boost your business with Ai!Speaker InformationPavan AgarwalCEO of Sun West and Creator of AngelAiPavan Agarwal is the Chief Executive Officer of Sun West, one of the largest independent, privately owned mortgage companies based in the U.S. He is also the founder of Celligence, which harnesses the best of Artificial Intelligence and Emphatic Technology to make mortgages simple and accessible to everyone. Pavan is a major proponent of Fair Lending and using technology to create homeownership opportunities for underserved markets. He loves to bring innovation into the mortgage industry and seamlessly integrate business units, products, and disparate goals into a single architecture to achieve success. Pavan's exceptional achievements have garnered recognition from prestigious media outlets, including Fox News, Yahoo!, and Bloomberg. He's also been nominated for a national philanthropy award for his work with The Autism Community in Action (TACA).Tim SlevinCEO of The Share GroupTim Slevin is the CEO of The Share Group, an Omaha-based data science company powering Realtors®, brokers, loan officers, and home services firms with high-quality, on-demand data. The Share Group has become one of the industry’s leading data marketplaces, supporting 10,000+ Realtors® and Brokers across every major brokerage, and playing a key role in outbound prospecting success for top partners including Sun West.With 20+ years of experience in high-growth, data-driven organizations, Tim specializes in scalable sales architecture, operational discipline, and building teams that consistently outperform.Before The Share Group, Tim founded Healthcare Data Solutions, driving 32 consecutive quarters of double-digit growth, earning 3× Inc. 5000 recognition, and leading its acquisition by IQVIA. Through Slevin Advisory Group, he has also built and exited multiple companies, including doubling the enterprise value of BuildCentral prior to its sale to BCI International.Lukas RosenblumChief Client Officer at AngelAiLukas Rosenblum is the Chief Client Officer at AngelAiTM, where he works alongside CEO Pavan Agarwal to democratize finance and create equal access for underserved communities worldwide. With deep expertise in real estate, fintech, and sales leadership, he specializes in Ai-driven lead generation, data intelligence, and scaling high-performance teams. A Texas market expert and NMLS-licensed professional, Lukas is passionate about leveraging Ai, blockchain, and smart automation to expand opportunity, empower businesses, and help professionals compete on a level playing field. His mission is to use technology not just to drive growth, but to unlock economic opportunity and bring the dream of financial inclusion to millions.AngelAi, Fox News, Yahoo!, Bloomberg, Realtors®, IQVIA, and BuildCentral are registered trademarks of Celligence LLC, Fox Media LLC, Yahoo Inc., Bloomberg Finance One L.P., National Association of Realtors®, IQVIA Inc., and BuildCentral, Inc., respectively.Sun West Mortgage Company, Inc. is acting as the Lender and offers financing to qualified borrowers. Sun West Mortgage Company, Inc is not affiliated with any third parties mentioned above. The names are owned by the respective third parties.

Are Large Language Models (LLMs) truly intelligent—or are we falling for the hype? In this episode of The Pavan Perspective, Pavan Agarwal breaks down the reality behind LLMs, explaining why they process but don’t actually think, and what that means for businesses, decision-making, and the future of Artificial Intelligence. From the difference between reasoning and rationalization to the concept of Artificial General Intelligence (AGI) and the growing importance of data ownership, this conversation delivers powerful insights into how Ai really works—and how to use it effectively without being misled. Whether you're in tech, fintech, or simply curious about the future of Ai, this episode is a must-watch.Speaker InformationPavan AgarwalCEO of Sun West and Creator of AngelAiTMPavan Agarwal is the Chief Executive Officer of Sun West, one of the largest independent, privately owned mortgage companies based in the U.S. He is also the founder of Celligence, which harnesses the best of Artificial Intelligence and Emphatic Technology to make mortgages simple and accessible to everyone. Pavan is a major proponent of Fair Lending and using technology to create homeownership opportunities for underserved markets. He loves to bring innovation into the mortgage industry and seamlessly integrate business units, products, and disparate goals into a single architecture to achieve success. Pavan's exceptional achievements have garnered recognition from prestigious media outlets, including Fox News, Yahoo!, and Bloomberg. He's also been nominated for a national philanthropy award for his work with The Autism Community in Action (TACA).David LykkenFounder and Chief Transformation Officer | Executive Coach and Business Strategy ConsultantTransformational Mortgage Solutions, LLCDavid Lykken is a seasoned mortgage industry expert with over four decades of experience. As a former owner-operator of three mortgage banking companies, a software firm, and several leading consulting businesses, David has a proven track record of driving growth through consulting, executive coaching, and strategic communications. He specializes in working with C-level executives and business owners to develop business strategies, enhance sales and marketing efforts, and streamline operations for greater efficiency and profitability. David is a regular guest on FOX Business News and CNBC and hosts the popular weekly podcast, "Lykken on Lending," which attracts thousands of mortgage professionals nationwide. He also produces the daily market commentary, "Today’s Mortgage Minute," which reaches millions of viewers through various media outlets. In addition, David is a prolific writer, contributing articles to leading industry publications on a regular basis.Fox News, Yahoo!, Bloomberg, and CNBC are registered trademarks of Fox Media LLC, Yahoo Inc., Bloomberg Finance One L.P., and NBCUniversal Media, LLC, respectively.Sun West Mortgage Company, Inc. is acting as the Lender and offers financing to qualified borrowers. Sun West Mortgage Company, Inc is not affiliated with any third parties mentioned above. The names are owned by the respective third parties.

In this episode of The Pavan Perspective, Pavan Agarwal, David Lykken, and Damon Burrows explore how Ai, blockchain, and data ownership are revolutionizing both healthcare and finance. Discover how AngelAi™ is empowering individuals to take control of their data, turning it into a valuable asset. From mobile imaging technology to secure, blockchain-based wallets, learn how these innovations are shaping the future of personal data, privacy, and even monetization. Don't miss this game-changing conversation that could transform how you think about your data and its potential!Speaker InformationPavan AgarwalCEO of Sun West and Creator of AngelAiPavan Agarwal is the Chief Executive Officer of Sun West, one of the largest independent, privately owned mortgage companies based in the U.S. He is also the founder of Celligence, which harnesses the best of Artificial Intelligence and Emphatic Technology to make mortgages simple and accessible to everyone. Pavan is a major proponent of Fair Lending and using technology to create homeownership opportunities for underserved markets. He loves to bring innovation into the mortgage industry and seamlessly integrate business units, products, and disparate goals into a single architecture to achieve success. Pavan's exceptional achievements have garnered recognition from prestigious media outlets, including Fox News, Yahoo!, and Bloomberg. He's also been nominated for a national philanthropy award for his work with The Autism Community in Action (TACA).David LykkenFounder and Chief Transformation Officer | Executive Coach and Business Strategy ConsultantTransformational Mortgage Solutions, LLCDavid Lykken is a seasoned mortgage industry expert with over four decades of experience. As a former owner-operator of three mortgage banking companies, a software firm, and several leading consulting businesses, David has a proven track record of driving growth through consulting, executive coaching, and strategic communications. He specializes in working with C-level executives and business owners to develop business strategies, enhance sales and marketing efforts, and streamline operations for greater efficiency and profitability. David is a regular guest on FOX Business News and CNBC and hosts the popular weekly podcast, "Lykken on Lending," which attracts thousands of mortgage professionals nationwide. He also produces the daily market commentary, "Today’s Mortgage Minute," which reaches millions of viewers through various media outlets. In addition, David is a prolific writer, contributing articles to leading industry publications on a regular basis.Damon BurrowsFounder and CEO, Patifina Corp.Damon is an experienced healthcare and life science executive with 25 years of experience. He has experience in pharmaceutical companies and has successfully navigated numerous drug development programs through the Food and Drug Administration (FDA) regulatory approval process and commercial launch. He has extensive Public Policy experience and has worked with numerous Federal and State Agencies on the Regulatory challenges of commercialization. With Patifina, Damon is advancing cutting edge medical research with Ai and the world’s most advanced CT imaging platform.Fox News, Yahoo!, Bloomberg, and CNBC are registered trademarks of Fox Media LLC, Yahoo Inc., Bloomberg Finance One L.P., and NBCUniversal Media, LLC, respectively.Sun West Mortgage Company, Inc. is acting as the Lender and offers financing to qualified borrowers. Sun West Mortgage Company, Inc is not affiliated with any third parties mentioned above. The names are owned by the respective third parties.

Join us for an exclusive episode of The Pavan Perspective Podcast featuring David Pahwa from Sun West as we dive into the booming world of Non-QM loans. In this episode, we explore how Non-QM is no longer just a fallback product but a core strategy for brokers looking to grow their business. Learn how AngelAiTM is helping mortgage professionals thrive. With increasing investor demand and game-changing product options, this is a must-watch episode for anyone in the mortgage industry.Speaker InformationPavan AgarwalCEO of Sun West and Creator of AngelAiPavan Agarwal is the Chief Executive Officer of Sun West, one of the largest independent, privately owned mortgage companies based in the U.S. He is also the founder of Celligence, which harnesses the best of Artificial Intelligence and Emphatic Technology to make mortgages simple and accessible to everyone. Pavan is a major proponent of Fair Lending and using technology to create homeownership opportunities for underserved markets. He loves to bring innovation into the mortgage industry and seamlessly integrate business units, products, and disparate goals into a single architecture to achieve success. Pavan's exceptional achievements have garnered recognition from prestigious media outlets, including Fox News, Yahoo!, and Bloomberg. He's also been nominated for a national philanthropy award for his work with The Autism Community in Action (TACA).Gurpreet (David) PahwaHead of Capital Markets at Sun WestGurpreet Pahwa, also known as David , is a seasoned professional who joined Sun West in 2008. With a wealth of experience and expertise in the financial industry, David currently holds the position of Head of Capital Markets at Sun West. His strategic vision and in-depth knowledge have been instrumental in driving Sun West's success in the dynamic world of capital markets. David's leadership and analytical skills have played a crucial role in optimizing Sun West's investment strategies and ensuring the company's financial stability and growth. His commitment to excellence and innovative approach have earned him a reputation as a trusted leader in the field of capital markets.Andrew BermanCEO, National Mortgage ProfessionalAndrew Berman is a leading force in the media landscape. As the CEO at National Mortgage Professional (NMP), he helps share real-world success stories and actionable strategies that move the needle and deliver insight through newsletters, podcasts, webinars, and video. He also hosts events that spark meaningful connections and partnerships, offer targeted marketing services to help NMP’s partners reach the right audience, and provides compliance-focused content to help professionals stay protected and informed.Fox News, Yahoo!, Bloomberg, and USA Today are registered trademarks of Fox Media LLC, Yahoo Inc., Bloomberg Finance One L.P., and Gannett Satellite Information Network, LLC, respectively.Sun West Mortgage Company, Inc. is acting as the Lender and offers financing to qualified borrowers. Sun West Mortgage Company, Inc is not affiliated with any third parties mentioned above. The names are owned by the respective third parties.

In this episode of The Pavan Perspective, Natasha Graziano joins Pavan Agarwal for a compelling conversation on Ai, blockchain, mortgages, real estate, financial freedom, and the future of money. They discuss how artificial intelligence is transforming banking and homeownership, how technology can help people navigate credit and financial decisions with greater confidence, and why data, digital wallets, and blockchain-backed systems may play a major role in the future of finance. From building wealth through real estate to understanding the growing impact of Ai on everyday financial life, this episode offers powerful insights into the next big shift in fintech and financial empowerment.Speaker InformationPavan AgarwalCreator of AngelAi™Pavan Agarwal is the Chief Executive Officer of Sun West, one of the largest independent, privately owned mortgage companies based in the U.S. He is also the founder of Celligence, which harnesses the best of Artificial Intelligence and Emphatic Technology to make mortgages simple and accessible to everyone. Pavan is a major proponent of Fair Lending and using technology to create homeownership opportunities for underserved markets. He loves to bring innovation into the mortgage industry and seamlessly integrate business units, products, and disparate goals into a single architecture to achieve success.Pavan's exceptional achievements have garnered recognition from prestigious media outlets, including Fox News, Yahoo!, and Bloomberg. He's also been nominated for a national philanthropy award for his work with The Autism Community in Action (TACA).Natasha GrazianoMotivational Speaker, Author, and Mindset CoachNatasha Graziano is a globally recognized motivational speaker, author, and entrepreneur known for her work in personal development, manifestation, and mindset transformation. Often referred to as the “Life Coach to the Stars,” she has built a large global following by teaching practical techniques rooted in the law of attraction, helping individuals unlock confidence, purpose, and financial abundance.Through her speaking engagements, digital programs, and online platforms, Natasha empowers millions of people to shift their mindset and take control of their future. Known for her energetic style and empowering message, she inspires audiences worldwide to believe in their potential and create the life they truly want.Fox News, Yahoo!, Bloomberg, and USA Today are registered trademarks of Fox Media LLC, Yahoo Inc., Bloomberg Finance One L.P., and Gannett Satellite Information Network, LLC, respectively.Sun West Mortgage Company, Inc. is acting as the Lender and offers financing to qualified borrowers. Sun West Mortgage Company, Inc is not affiliated with any third parties mentioned above. The names are owned by the respective third parties.

Artificial intelligence is often framed as a looming threat — but is that narrative justified? In this episode of The Pavan Perspective, Pavan Agarwal sits down with Taylor Ferber to unpack the fear around Ai, the role of Big Tech in shaping public perception, and why decentralized innovation could determine how this technology evolves.Speaker InformationPavan AgarwalCreator of AngelAi™Pavan Agarwal is the Chief Executive Officer of Sun West, one of the largest independent, privately owned mortgage companies based in the U.S. He is also the founder of Celligence, which harnesses the best of Artificial Intelligence and Emphatic Technology to make mortgages simple and accessible to everyone. Pavan is a major proponent of Fair Lending and using technology to create homeownership opportunities for underserved markets. He loves to bring innovation into the mortgage industry and seamlessly integrate business units, products, and disparate goals into a single architecture to achieve success. Pavan's exceptional achievements have garnered recognition from prestigious media outlets, including Fox News, Yahoo!, and Bloomberg. He's also been nominated for a national philanthropy award for his work with The Autism Community in Action (TACA).Taylor FerberMedia Personality, Host, and WriterTaylor Ferber is a veteran journalist, media personality, and podcast host known for her bold interview style and fearless voice in cultural conversations. Often referred to as the “Celebrity Whisperer,” she has interviewed high-profile figures including Oprah Winfrey, Lady Gaga, Danny DeVito, Tucker Carlson, and Dave Portnoy, along with innovators in technology and Web3. Her work has been featured in major outlets such as USA Today, New York Magazine, and Fox News.She is the creator and host of Talk To Me Taylor, a platform known for candid interviews and thought-provoking discussions around media, culture, and free expression. Known for challenging conventional narratives, Taylor has built a reputation for engaging conversations that push boundaries and encourage open dialogue across entertainment, media, and technology.Fox News, Yahoo!, Bloomberg, and USA Today are registered trademarks of Fox Media LLC, Yahoo Inc., Bloomberg Finance One L.P., and Gannett Satellite Information Network, LLC, respectively.Sun West Mortgage Company, Inc. is acting as the Lender and offers financing to qualified borrowers. Sun West Mortgage Company, Inc is not affiliated with any third parties mentioned above. The names are owned by the respective third parties.

Artificial Intelligence is advancing faster than most companies realize—and many may already be falling behind. In this episode of The Pavan Perspective, Pavan Agarwal joins David Lykken and Jennifer Vallinayagam to discuss why Ai is far more than just chatbots or generative tools like ChatGPT. They dive into the concept of decision intelligence, the growing Ai tipping point, and why only a small percentage of organizations truly understand how to build and deploy real Ai systems. The conversation also explores how AngelAiTM is transforming lending, why many companies underestimate the complexity of Ai, and what the future holds for Ai-powered financial services. If you're interested in the future of Ai, fintech, and mortgage technology, this discussion offers powerful insights into the next wave of Ai disruption.Speaker InformationPavan AgarwalCEO of Sun West and Creator of AngelAiPavan Agarwal is the Chief Executive Officer of Sun West, one of the largest independent, privately owned mortgage companies based in the U.S. He is also the founder of Celligence, which harnesses the best of Artificial Intelligence and Emphatic Technology to make mortgages simple and accessible to everyone. Pavan is a major proponent of Fair Lending and using technology to create homeownership opportunities for underserved markets. He loves to bring innovation into the mortgage industry and seamlessly integrate business units, products, and disparate goals into a single architecture to achieve success. Pavan's exceptional achievements have garnered recognition from prestigious media outlets, including Fox News, Yahoo!, and Bloomberg. He's also been nominated for a national philanthropy award for his work with The Autism Community in Action (TACA).Jennifer Vallinayagam Chief Operating Officer at Sun WestJennifer Vallinayagam, as the Chief Operating Officer (COO) of Sun West, has a remarkable background in software engineering and computer programming. She joined Sun West in 1999 and played a pivotal role in the development of the Mortgage Loan Origination System, now known as SunSoft®/SMILES. This software has been crucial to Sun West's origination and servicing operations and continues to be a cornerstone of their processes. Jennifer's dedication, hard work, and strategic mindset led to her appointment as COO.

Join Pavan Agarwal and Andrew Berman in this powerful episode of The Pavan Perspective as they explore the accelerating trust shift toward Ai in mortgage lending. Discover how AngelAi delivers real-time income analysis, instant approvals, and compliance-backed accuracy. The conversation also covers built-in tools like AngelSignTM, Ai Twin, and various other automation features designed to upgrade loan officers, helping them close smarter and compete in an Ai-driven market. If you want to understand how Ai is redefining modern lending, this deep dive is a must-watch.Speaker InformationPavan AgarwalCEO of Sun West and Creator of AngelAi™ Pavan Agarwal is the Chief Executive Officer of Sun West, one of the largest independent, privately owned mortgage companies based in the U.S. He is also the founder of Celligence, which harnesses the best of Artificial Intelligence and Emphatic Technology to make mortgages simple and accessible to everyone. Pavan is a major proponent of Fair Lending and using technology to create homeownership opportunities for underserved markets. He loves to bring innovation into the mortgage industry and seamlessly integrate business units, products, and disparate goals into a single architecture to achieve success. Pavan's exceptional achievements have garnered recognition from prestigious media outlets, including Fox News, Yahoo!, and Bloomberg. He's also been nominated for a national philanthropy award for his work with The Autism Community in Action (TACA).Jennifer Vallinayagam Chief Operating Officer at Sun WestJennifer Vallinayagam, as the Chief Operating Officer (COO) of Sun West, has a remarkable background in software engineering and computer programming. She joined Sun West in 1999 and played a pivotal role in the development of the Mortgage Loan Origination System, now known as SunSoft®/SMILES. This software has been crucial to Sun West's origination and servicing operations and continues to be a cornerstone of their processes. Jennifer's dedication, hard work, and strategic mindset led to her appointment as COO.Her outstanding contributions have been recognized through prestigious accolades, including being named a '2023 Woman of Influence' by HousingWire, a '2023 Mortgage Lending Woman of Inspiration' by National Mortgage Professional, and receiving a Globee® Women in Business Award.David PahwaHead of Capital Markets at Sun WestGurpreet Pahwa, also known as David, is a seasoned professional who joined Sun West in 2008. With a wealth of experience and expertise in the financial industry, David currently holds the position of Head of Capital Markets at Sun West.Alexander PerrySenior Mortgage Trainer at Sun WestAlex Perry is a dynamic corporate sales trainer with expertise in the mortgage industry and Ai-powered innovation. He partners with sales teams to elevate performance through customized, high-impact training programs designed to drive measurable results. With a strong focus on integrating cutting-edge technology into traditional sales models, Alex helps professionals modernize their approach, sharpen their competitive edge, and thrive in complex financial environments.Andrew BermanHead of Outreach and Engagement at American Business Media, Media Innovator, and Mortgage Journalism ExpertAndrew Berman is a leading force in the media landscape, driving innovation as the Head of Outreach and Engagement at American Business Media. His strategic vision played a pivotal role in a landmark merger that united a top mortgage magazine with a national news network, creating a media powerhouse.Fox News, Yahoo!, and Bloomberg are registered trademarks of Fox Media LLC, Yahoo Inc., and Bloomberg Finance One L.P., respectively.Sun West Mortgage Company, Inc. is acting as the Lender and offers financing to qualified borrowers. Sun West Mortgage Company, Inc is not affiliated with any third parties mentioned above. The names are owned by the respective third parties.

In this episode of The Pavan Perspective, Pavan Agarwal joins David Pahwa and Jennifer Vallinayagam to break down what the latest push to curb large institutional buyers could mean for inventory and small investors, explain Debt Service Coverage Ratio (DSCR) in plain English (qualifying based on rental cash flow), and explore why Home Equity Line of Credit (HELOC) DSCR is becoming a powerful tool for liquidity and portfolio growth. You’ll also see how Ai is transforming the industry—helping real estate agents and mortgage pros scale their business quickly.- - -Speaker InformationPavan AgarwalCEO of Sun West and Creator of AngelAiTMPavan Agarwal is the Chief Executive Officer of Sun West, one of the largest independent, privately owned mortgage companies based in the U.S. He is also the founder of Celligence, which harnesses the best of Artificial Intelligence and Emphatic Technology to make mortgages simple and accessible to everyone. Pavan is a major proponent of Fair Lending and using technology to create homeownership opportunities for underserved markets. He loves to bring innovation into the mortgage industry and seamlessly integrate business units, products, and disparate goals into a single architecture to achieve success.Pavan's exceptional achievements have garnered recognition from prestigious media outlets, including Fox News, Yahoo!, and Bloomberg. He's also been nominated for a national philanthropy award for his work with The Autism Community in Action (TACA).Jennifer VallinayagamChief Operating Officer at Sun WestJennifer Vallinayagam, as the Chief Operating Officer (COO) of Sun West, has a remarkable background in software engineering and computer programming. She joined Sun West in 1999 and played a pivotal role in the development of the Mortgage Loan Origination System, now known as SunSoft®/SMILES. This software has been crucial to Sun West's origination and servicing operations and continues to be a cornerstone of their processes. Jennifer's dedication, hard work, and strategic mindset led to her appointment as COO.Her outstanding contributions have been recognized through prestigious accolades, including being named a '2023 Woman of Influence' by HousingWire, a '2023 Mortgage Lending Woman of Inspiration' by National Mortgage Professional, and receiving a Globee® Women in Business Award. Jennifer Vallinayagam's innovative spirit and leadership have not only shaped Sun West's technological landscape but have also positioned her as a prominent figure in the mortgage industry.Gurpreet (David) PahwaHead of Capital Markets at Sun WestGurpreet Pahwa, also known as David, is a seasoned professional who joined Sun West in 2008. With a wealth of experience and expertise in the financial industry, David currently holds the position of Head of Capital Markets at Sun West. His strategic vision and in-depth knowledge have been instrumental in driving Sun West's success in the dynamic world of capital markets. David's leadership and analytical skills have played a crucial role in optimizing Sun West's investment strategies and ensuring the company's financial stability and growth. His commitment to excellence and innovative approach have earned him a reputation as a trusted leader in the field of capital markets.Fox News, Yahoo!, and Bloomberg are registered trademarks of Fox Media LLC, Yahoo Inc., and Bloomberg Finance One L.P., respectively.Sun West Mortgage Company, Inc. is acting as the Lender and offers financing to qualified borrowers. Sun West Mortgage Company, Inc is not affiliated with any third parties mentioned above. The names are owned by the respective third parties.

Is the Ai bubble bursting—or simply recalibrating? In this episode of The Pavan Perspective, David Lykken and Pavan Agarwal break down a major Massachusetts Institute of Technology (MIT) Sloan report on Agentic Ai and what it means for the mortgage industry and beyond. We talk through why Ai Return on Investment (ROI) may take longer than the hype suggests, the danger of confusing tools like general Large Language Models (LLMs) with a real Ai strategy, and the organizational “trap” of building critical workflows on subsidized platforms. You’ll also hear why “scattered experiments” need to become strategic bets, how first-principles thinking separates winners from noise, and why Zero UI / conversational Ai is already reshaping the way lenders and loan officers work.Speaker InformationPavan AgarwalCEO of Sun West and Creator of AngelAiTMPavan Agarwal is the Chief Executive Officer of Sun West, one of the largest independent, privately owned mortgage companies based in the U.S. He is also the founder of Celligence, which harnesses the best of Artificial Intelligence and Emphatic Technology to make mortgages simple and accessible to everyone. Pavan is a major proponent of Fair Lending and using technology to create homeownership opportunities for underserved markets. He loves to bring innovation into the mortgage industry and seamlessly integrate business units, products, and disparate goals into a single architecture to achieve success. Pavan's exceptional achievements have garnered recognition from prestigious media outlets, including Fox News, Yahoo!, and Bloomberg. He's also been nominated for a national philanthropy award for his work with The Autism Community in Action (TACA).David LykkenFounder and Chief Transformation Officer | Executive Coach and Business Strategy ConsultantTransformational Mortgage Solutions, LLCDavid Lykken is a seasoned mortgage industry expert with over four decades of experience. As a former owner-operator of three mortgage banking companies, a software firm, and several leading consulting businesses, David has a proven track record of driving growth through consulting, executive coaching, and strategic communications. He specializes in working with C-level executives and business owners to develop business strategies, enhance sales and marketing efforts, and streamline operations for greater efficiency and profitability. David is a regular guest on FOX Business News and CNBC and hosts the popular weekly podcast, "Lykken on Lending," which attracts thousands of mortgage professionals nationwide. He also produces the daily market commentary, "Today’s Mortgage Minute," which reaches millions of viewers through various media outlets. In addition, David is a prolific writer, contributing articles to leading industry publications on a regular basis.Fox News, Yahoo!, Bloomberg, and CNBC are registered trademarks of Fox Media LLC, Yahoo Inc., Bloomberg Finance One L.P., and NBCUniversal Media, LLC, respectively.Sun West Mortgage Company, Inc. is acting as the Lender and offers financing to qualified borrowers. Sun West Mortgage Company, Inc is not affiliated with any third parties mentioned above. The names are owned by the respective third parties.

In this episode of The Pavan Perspective, Pooya Mohit and Pavan Agarwal explore why financial services and real estate require a fundamentally different kind of Ai. The conversation dives into transactional Ai, accuracy and traceability in high-stakes decisions, data ownership, and how Ai and blockchain together can support mortgages, real estate workflows, and personal financial management without relying on generic chat models. This episode is a thoughtful look at where Ai is headed in lending and real estate—and what professionals should understand as the industry moves toward greater automation, speed, and accountability. - -Speaker InformationPavan AgarwalCEO of Sun West and Creator of AngelAiPavan Agarwal is the Chief Executive Officer of Sun West, one of the largest independent, privately owned mortgage companies based in the U.S. He is also the founder of Celligence, which harnesses the best of Artificial Intelligence and Emphatic Technology to make mortgages simple and accessible to everyone. Pavan is a major proponent of Fair Lending and using technology to create homeownership opportunities for underserved markets. He loves to bring innovation into the mortgage industry and seamlessly integrate business units, products, and disparate goals into a single architecture to achieve success. Pavan's exceptional achievements have garnered recognition from prestigious media outlets, including Fox News, Yahoo!, and Bloomberg. He's also been nominated for a national philanthropy award for his work with The Autism Community in Action (TACA).Pooya MohitOwner of MYFRND MarketingPooya Mohit, based in Norfolk, VA, U.S., is currently the owner of MYFRND Marketing. Pooya Mohit brings experience from previous roles at Bluewater Building Company, VOOV - Your Top Virtual Assistant Partner, and Atlantic Sotheby's International Realty and Rocket Commercial. He has a robust skill set that includes Business Consultation/ Sales, Business Marketing, Commercial Sales & Leasing, Franchising, Real Estate and more. His diversified experience, professionalism, creativity, and exceptional problem-solving abilities make him an invaluable asset for clients. As a Norfolk native and graduate of Old Dominion University, Pooya spends his free time with family, friends, and serving his community.Fox News, Yahoo!, Bloomberg, and CNBC are registered trademarks of Fox Media LLC, Yahoo Inc., Bloomberg Finance One L.P., and NBCUniversal Media, LLC, respectively.Sun West Mortgage Company, Inc. is acting as the Lender and offers financing to qualified borrowers. Sun West Mortgage Company, Inc is not affiliated with any third parties mentioned above. The names are owned by the respective third parties.

Ai is everywhere in mortgage lending—but is it actually working? In this episode of The Pavan Perspective, Pavan Agarwal joins David Lykken to expose why most mortgage Ai initiatives fail, and why patient capital, deep technical understanding, and true intellectual property matter more than hype. Learn what it really takes to replace the traditional mortgage tech stack. This conversation pulls back the curtain on the future of Ai-driven lending—and what mortgage leaders must understand before it’s too late.Speaker InformationPavan AgarwalCEO of Sun West and Creator of AngelAiPavan Agarwal is the Chief Executive Officer of Sun West, one of the largest independent, privately owned mortgage companies based in the U.S. He is also the founder of Celligence, which harnesses the best of Artificial Intelligence and Emphatic Technology to make mortgages simple and accessible to everyone. Pavan is a major proponent of Fair Lending and using technology to create homeownership opportunities for underserved markets. He loves to bring innovation into the mortgage industry and seamlessly integrate business units, products, and disparate goals into a single architecture to achieve success. Pavan's exceptional achievements have garnered recognition from prestigious media outlets, including Fox News, Yahoo!, and Bloomberg. He's also been nominated for a national philanthropy award for his work with The Autism Community in Action (TACA).David LykkenFounder and Chief Transformation Officer | Executive Coach and Business Strategy ConsultantTransformational Mortgage Solutions, LLCDavid Lykken is a seasoned mortgage industry expert with over four decades of experience. As a former owner-operator of three mortgage banking companies, a software firm, and several leading consulting businesses, David has a proven track record of driving growth through consulting, executive coaching, and strategic communications. He specializes in working with C-level executives and business owners to develop business strategies, enhance sales and marketing efforts, and streamline operations for greater efficiency and profitability. David is a regular guest on FOX Business News and CNBC and hosts the popular weekly podcast, "Lykken on Lending," which attracts thousands of mortgage professionals nationwide. He also produces the daily market commentary, "Today’s Mortgage Minute," which reaches millions of viewers through various media outlets. In addition, David is a prolific writer, contributing articles to leading industry publications on a regular basis.Fox News, Yahoo!, Bloomberg, CNBC, OpenAI, Google, and NVIDIA are registered trademarks of Fox Media LLC, Yahoo Inc., Bloomberg Finance One L.P., NBCUniversal Media, LLC, OpenAI OpCo, LLC, Google LLC, and NVIDIA Corporation, respectively.Sun West Mortgage Company, Inc. is acting as the Lender and offers financing to qualified borrowers. Sun West Mortgage Company, Inc is not affiliated with any third parties mentioned above. The names are owned by the respective third parties.

Can artificial intelligence be trusted with high-stakes decisions? In this episode of The Pavan Perspective, Pavan Agarwal sits down with David Lykken for a powerful deep dive into the future of human–machine teaming and augmented intelligence. This conversation explores why Ai should augment human decision-making — not replace it. It also reveals how AngelAi’sTM Transactional Language Model (TLM) is reshaping financial services.Speaker InformationPavan AgarwalCEO of Sun West and Creator of AngelAiPavan Agarwal is the Chief Executive Officer of Sun West, one of the largest independent, privately owned mortgage companies based in the U.S. He is also the founder of Celligence, which harnesses the best of Artificial Intelligence and Emphatic Technology to make mortgages simple and accessible to everyone. Pavan is a major proponent of Fair Lending and using technology to create homeownership opportunities for underserved markets. He loves to bring innovation into the mortgage industry and seamlessly integrate business units, products, and disparate goals into a single architecture to achieve success. Pavan's exceptional achievements have garnered recognition from prestigious media outlets, including Fox News, Yahoo!, and Bloomberg. He's also been nominated for a national philanthropy award for his work with The Autism Community in Action (TACA).David LykkenFounder and Chief Transformation Officer | Executive Coach and Business Strategy ConsultantTransformational Mortgage Solutions, LLCDavid Lykken is a seasoned mortgage industry expert with over four decades of experience. As a former owner-operator of three mortgage banking companies, a software firm, and several leading consulting businesses, David has a proven track record of driving growth through consulting, executive coaching, and strategic communications. He specializes in working with C-level executives and business owners to develop business strategies, enhance sales and marketing efforts, and streamline operations for greater efficiency and profitability. David is a regular guest on FOX Business News and CNBC and hosts the popular weekly podcast, "Lykken on Lending," which attracts thousands of mortgage professionals nationwide. He also produces the daily market commentary, "Today’s Mortgage Minute," which reaches millions of viewers through various media outlets. In addition, David is a prolific writer, contributing articles to leading industry publications on a regular basis.Fox News, Yahoo!, Bloomberg, and CNBC are registered trademarks of Fox Media LLC, Yahoo Inc., Bloomberg Finance One L.P., and NBCUniversal Media, LLC, respectively.Sun West Mortgage Company, Inc. is acting as the Lender and offers financing to qualified borrowers. Sun West Mortgage Company, Inc is not affiliated with any third parties mentioned above. The names are owned by the respective third parties.

The crypto industry is entering its most important era yet. In this powerful episode of The Pavan Perspective, Pavan Agarwal (Creator of AngelAiTM) and Roshan Robert (CEO of OKX U.S.) discuss how new U.S. crypto regulations are unlocking institutional adoption, tokenization of real-world assets, and what the future of crypto looks like.Speaker InformationPavan AgarwalCEO of Sun West and Creator of AngelAiPavan Agarwal is the Chief Executive Officer of Sun West, one of the largest independent, privately owned mortgage companies based in the U.S. He is also the founder of Celligence, which harnesses the best of Artificial Intelligence and Emphatic Technology to make mortgages simple and accessible to everyone. Pavan is a major proponent of Fair Lending and using technology to create homeownership opportunities for underserved markets. He loves to bring innovation into the mortgage industry and seamlessly integrate business units, products, and disparate goals into a single architecture to achieve success. Pavan's exceptional achievements have garnered recognition from prestigious media outlets, including Fox News, Yahoo!, and Bloomberg. He's also been nominated for a national philanthropy award for his work with The Autism Community in Action (TACA).Roshan Robert CEO | OKX U.S.Roshan Robert is a financial services executive with substantial experience in traditional capital markets as well as crypto. Having worked at Morgan Stanley, Pricewaterhouse Coopers, Barclays, Hiddenroad and CLST, Roshan has focused on Risk Management, Regulatory Strategy and Product Strategy throughout his career. Roshan played a key role in the implementation of Dodd Frank regulations across the derivatives business at Barclays. He took on a leadership role in implementing regulatory strategy for the Barclays FCM as well as took active part in important strategic initiatives like the reengineering of the derivatives business treasury processes and the creation of a derivatives utility. Roshan was also part of the founding team at Hiddenroad, leading the organization as the Group COO / CCO for over 4 years and helping to build a non-bank prime brokerage business straddling Tradfi and crypto. He was also a co-founder at CLST, a credit deployment hub for digital markets and spent time as an advisor to foreign banks entering US capital markets, prior to joining OKX as the U.S. CEO in September 2024.Fox News, Yahoo!, Bloomberg,CNBC, Globee® are registered trademarks of Fox Media LLC, Yahoo Inc., Bloomberg Finance One L.P., NBCUniversal Media, LLC, and Silicon Valley Communications, LLC, respectively.Sun West Mortgage Company, Inc. is acting as the Lender and offers financing to qualified borrowers. Sun West Mortgage Company, Inc is not affiliated with any third parties mentioned above. The names are owned by the respective third parties.

In this episode of The Pavan Perspective, we explore how AngelAiTM is transforming the mortgage industry by allowing loan officers and brokers to scale instantly without burning cash. We also learn how AngelAi is automating time-consuming processes like underwriting scenarios, marketing, lead prospecting, credit boost, and more.Speaker InformationAngel SumlinManaging Director of Organizational Development at Sun WestAs the Managing Director of Organizational Development at Sun West, Angel leads and supports the assessment of organizational needs as well as the creation, implementation, and evaluation of programs that assist the company's employees in their continuing career advancement. She also serves as a liaison and an advisor to the organization's leadership, facilitating initiatives across the board. Angel's foundational expertise is in Learning and Development, with demonstrated success in the financial services industry. She has a Master of Business Administration degree from the University of La Verne, California, and is a Certified Professional in Talent Development (CPTD), skilled in coaching, sales, communications, instructional design, team development, and project management.Jennifer Vallinayagam Chief Operating Officer at Sun WestJennifer Vallinayagam, as the Chief Operating Officer (COO) of Sun West, has a remarkable background in software engineering and computer programming. She joined Sun West in 1999 and played a pivotal role in the development of the Mortgage Loan Origination System, now known as SunSoft®/SMILES™. This software has been crucial to Sun West's origination and servicing operations and continues to be a cornerstone of their processes. Jennifer's dedication, hard work, and strategic mindset led to her appointment as COO.Her outstanding contributions have been recognized through prestigious accolades, including being named a '2023 Woman of Influence' by HousingWire, a '2023 Mortgage Lending Woman of Inspiration' by National Mortgage Professional, and receiving a Globee® Women in Business Award. Jennifer Vallinayagam's innovative spirit and leadership have not only shaped Sun West's technological landscape but have also positioned her as a prominent figure in the mortgage industry.Fox News, Yahoo!, Bloomberg,CNBC, Globee® are registered trademarks of Fox Media LLC, Yahoo Inc., Bloomberg Finance One L.P., NBCUniversal Media, LLC, and Silicon Valley Communications, LLC, respectively.Sun West Mortgage Company, Inc. is acting as the Lender and offers financing to qualified borrowers. Sun West Mortgage Company, Inc is not affiliated with any third parties mentioned above. The names are owned by the respective third parties.

Puerto Rico is emerging as a global hub for Ai, blockchain, and innovation. In this episode of The Pavan Perspective, Pavan Agarwal sits down with Alberto Bacó Bagué to explain how Puerto Rico is becoming the Silicon Island - a global epicenter for Ai, blockchain, venture capital, and creative talent. This is a must-watch for entrepreneurs, investors, technologists, and policymakers shaping the future of global innovation.Speaker InformationPavan AgarwalCEO of Sun West and Creator of AngelAiTMPavan Agarwal is the Chief Executive Officer of Sun West, one of the largest independent, privately owned mortgage companies based in the U.S. He is also the founder of Celligence, which harnesses the best of Artificial Intelligence and Emphatic Technology to make mortgages simple and accessible to everyone. Pavan is a major proponent of Fair Lending and using technology to create homeownership opportunities for underserved markets. He loves to bring innovation into the mortgage industry and seamlessly integrate business units, products, and disparate goals into a single architecture to achieve success.Pavan's exceptional achievements have garnered recognition from prestigious media outlets, including Fox News, Yahoo!, and Bloomberg. He's also been nominated for a national philanthropy award for his work with The Autism Community in Action (TACA).Alberto Bacó BaguéFormer Secretary of Economic Development and Commerce of Puerto RicoAlberto Bacó Bagué is an attorney, Certified Public Accountant (CPA), and entrepreneur, with a successful career in company turnarounds, restructuring and senior management, in both public and private sectors. He is held in high regard for being a natural connector between influencers and opportunities; a business catalyst, developer, board member, private equity fund manager, and most recently an economic development educator/promotor. He has also been recognized for his public speaking skills, which have permitted him to participate in important business forums around the world.He has held several leadership positions, as President of the Economic Development Bank, CEO of Marvel and Bohío International, and Board seats in W Holdings, Assurant P.R., the Government Development Bank, among others. In 2013, he was appointed Secretary of Economic Development and Commerce by the Governor of Puerto Rico, and in 2016, he also assumed responsibilities as Chairman and President of the Government Development Bank for Puerto Rico.

What does it take to become a six-time world boxing champion? In this powerful episode of The Pavan Perspective, host Pavan sits down with Yokasta Valle, one of the most dominant female boxers in the world today. Yokasta shares her rise to six world titles, her intense training routine, and the championship mindset. This episode is a masterclass in resilience, consistency, and belief — whether you’re an athlete, entrepreneur, or anyone chasing greatness.- - -Speaker InformationPavan AgarwalCEO of Sun West and Creator of AngelAiPavan Agarwal is the Chief Executive Officer of Sun West, one of the largest independent, privately owned mortgage companies based in the U.S. He is also the founder of Celligence, which harnesses the best of Artificial Intelligence and Emphatic Technology to make mortgages simple and accessible to everyone. Pavan is a major proponent of Fair Lending and using technology to create homeownership opportunities for underserved markets. He loves to bring innovation into the mortgage industry and seamlessly integrate business units, products, and disparate goals into a single architecture to achieve success. Pavan's exceptional achievements have garnered recognition from prestigious media outlets, including Fox News, Yahoo, and Bloomberg. He's also been nominated for a national philanthropy award for his work with The Autism Community in Action (TACA).Yokasta Valle6x World Boxing ChampionYokasta Valle is a Nicaraguan-born, Costa Rica–based three-division world boxing champion and one of the most dominant figures in women’s boxing today.Born on August 28, 1992, in Matagalpa, Nicaragua, Valle moved to Costa Rica at a young age and began boxing at just 13 years old, inspired by her father. Renowned for her elite speed and relentless punch volume, Valle captured her first world title in 2016 and has since gone on to win multiple world championships across atomweight, minimumweight, and light flyweight divisions. Her résumé includes prestigious titles such as the IBF Atomweight Championship, unified IBF/WBO titles, and the WBC Strawweight World Championship.Beyond the ring, Yokasta Valle is a powerful advocate for women’s boxing. In 2021, she was named IBF Female Fighter of the Year and later recognized as a United Nations Champion (Costa Rica), honoring her impact as a role model for young athletes. Through discipline, resilience, and an unbreakable mindset, Yokasta Valle has not only built a championship legacy but has also helped transform the visibility and respect of women’s boxing in Costa Rica and beyond

Why do top-producing loan officers resist Ai — even when it promises massive growth? In this episode of The Pavan Perspective, Pavan Agarwal (Creator of AngelAiTM) and David Lykken (Host of Lykken on Lending) deep dive into Ai adoption in the mortgage industry. This conversation is packed with real-world insights and the latest in mortgage innovation for loan officers, mortgage professionals, and fintech innovators. - -Speaker InformationPavan AgarwalCEO of Sun West and Creator of AngelAiPavan Agarwal is the Chief Executive Officer of Sun West, one of the largest independent, privately owned mortgage companies based in the U.S. He is also the founder of Celligence, which harnesses the best of Artificial Intelligence and Emphatic Technology to make mortgages simple and accessible to everyone. Pavan is a major proponent of Fair Lending and using technology to create homeownership opportunities for underserved markets. He loves to bring innovation into the mortgage industry and seamlessly integrate business units, products, and disparate goals into a single architecture to achieve success. Pavan's exceptional achievements have garnered recognition from prestigious media outlets, including Fox News, Yahoo, and Bloomberg. He's also been nominated for a national philanthropy award for his work with The Autism Community in Action (TACA).David LykkenFounder and Chief Transformation Officer | Executive Coach and Business Strategy ConsultantTransformational Mortgage Solutions, LLCDavid Lykken is a seasoned mortgage industry expert with over four decades of experience. As a former owner-operator of three mortgage banking companies, a software firm, and several leading consulting businesses, David has a proven track record of driving growth through consulting, executive coaching, and strategic communications. He specializes in working with C-level executives and business owners to develop business strategies, enhance sales and marketing efforts, and streamline operations for greater efficiency and profitability. David is a regular guest on FOX Business News and CNBC and hosts the popular weekly podcast, "Lykken on Lending," which attracts thousands of mortgage professionals nationwide. He also produces the daily market commentary, "Today’s Mortgage Minute," which reaches millions of viewers through various media outlets. In addition, David is a prolific writer, contributing articles to leading industry publications on a regular basis.Sun West Mortgage Company, Inc. is acting as the Lender and offers financing to qualified borrowers. Sun West Mortgage Company, Inc is not affiliated with any third parties mentioned above. The names are owned by the respective third parties.

Is the Ai bubble the Big Short 2.0? Pavan Agarwal and David Lykken break down the controversial analysis showing tech giants have overestimated earnings. They explore why America's data center boom changes everything and why long-term outlook remains bullish, plus how Ai is revolutionizing the mortgage industry by crushing loan costs. This conversation delivers the insights you need to navigate the Ai market with confidence.Speaker InformationPavan AgarwalCEO of Sun West and Creator of AngelAiPavan Agarwal is the Chief Executive Officer of Sun West, one of the largest independent, privately owned mortgage companies based in the U.S. He is also the founder of Celligence, which harnesses the best of Artificial Intelligence and Emphatic Technology to make mortgages simple and accessible to everyone. Pavan is a major proponent of Fair Lending and using technology to create homeownership opportunities for underserved markets. He loves to bring innovation into the mortgage industry and seamlessly integrate business units, products, and disparate goals into a single architecture to achieve success. Pavan's exceptional achievements have garnered recognition from prestigious media outlets, including Fox News, Yahoo, and Bloomberg. He's also been nominated for a national philanthropy award for his work with The Autism Community in Action (TACA).David LykkenFounder and Chief Transformation Officer | Executive Coach and Business Strategy ConsultantTransformational Mortgage Solutions, LLCDavid Lykken is a seasoned mortgage industry expert with over four decades of experience. As a former owner-operator of three mortgage banking companies, a software firm, and several leading consulting businesses, David has a proven track record of driving growth through consulting, executive coaching, and strategic communications. He specializes in working with C-level executives and business owners to develop business strategies, enhance sales and marketing efforts, and streamline operations for greater efficiency and profitability. David is a regular guest on FOX Business News and CNBC and hosts the popular weekly podcast, "Lykken on Lending," which attracts thousands of mortgage professionals nationwide. He also produces the daily market commentary, "Today’s Mortgage Minute," which reaches millions of viewers through various media outlets. In addition, David is a prolific writer, contributing articles to leading industry publications on a regular basis.Sun West Mortgage Company, Inc. is acting as the Lender and offers financing to qualified borrowers. Sun West Mortgage Company, Inc is not affiliated with any third parties mentioned above. The names are owned by the respective third parties.

Is the Ai bubble the Big Short 2.0? Pavan Agarwal and David Lykken break down the controversial analysis showing tech giants have overestimated earnings. They explore why America's data center boom changes everything and why long-term outlook remains bullish, plus how Ai is revolutionizing the mortgage industry by crushing loan costs. This conversation delivers the insights you need to navigate the Ai market with confidence.Speaker InformationPavan AgarwalCEO of Sun West and Creator of AngelAiPavan Agarwal is the Chief Executive Officer of Sun West, one of the largest independent, privately owned mortgage companies based in the U.S. He is also the founder of Celligence, which harnesses the best of Artificial Intelligence and Emphatic Technology to make mortgages simple and accessible to everyone. Pavan is a major proponent of Fair Lending and using technology to create homeownership opportunities for underserved markets. He loves to bring innovation into the mortgage industry and seamlessly integrate business units, products, and disparate goals into a single architecture to achieve success. Pavan's exceptional achievements have garnered recognition from prestigious media outlets, including Fox News, Yahoo, and Bloomberg. He's also been nominated for a national philanthropy award for his work with The Autism Community in Action (TACA).David LykkenFounder and Chief Transformation Officer | Executive Coach and Business Strategy ConsultantTransformational Mortgage Solutions, LLCDavid Lykken is a seasoned mortgage industry expert with over four decades of experience. As a former owner-operator of three mortgage banking companies, a software firm, and several leading consulting businesses, David has a proven track record of driving growth through consulting, executive coaching, and strategic communications. He specializes in working with C-level executives and business owners to develop business strategies, enhance sales and marketing efforts, and streamline operations for greater efficiency and profitability. David is a regular guest on FOX Business News and CNBC and hosts the popular weekly podcast, "Lykken on Lending," which attracts thousands of mortgage professionals nationwide. He also produces the daily market commentary, "Today’s Mortgage Minute," which reaches millions of viewers through various media outlets. In addition, David is a prolific writer, contributing articles to leading industry publications on a regular basis.Sun West Mortgage Company, Inc. is acting as the Lender and offers financing to qualified borrowers. Sun West Mortgage Company, Inc is not affiliated with any third parties mentioned above. The names are owned by the respective third parties.

In this episode of The Pavan Perspective, David Lykken and Pavan Agarwal unpack how AngelAi became one of the most valuable IP portfolios in fintech. This is the episode every founder, tech leader, investor, Ai enthusiast, and mortgage / real estate professional needs to hear.Speaker InformationPavan AgarwalCEO of Sun West and Creator of AngelAiPavan Agarwal is the Chief Executive Officer of Sun West, one of the largest independent, privately owned mortgage companies based in the U.S. He is also the founder of Celligence, which harnesses the best of Artificial Intelligence and Emphatic Technology to make mortgages simple and accessible to everyone. Pavan is a major proponent of Fair Lending and using technology to create homeownership opportunities for underserved markets. He loves to bring innovation into the mortgage industry and seamlessly integrate business units, products, and disparate goals into a single architecture to achieve success. Pavan's exceptional achievements have garnered recognition from prestigious media outlets, including Fox News, Yahoo, and Bloomberg. He's also been nominated for a national philanthropy award for his work with The Autism Community in Action (TACA).David LykkenFounder and Chief Transformation Officer | Executive Coach and Business Strategy ConsultantTransformational Mortgage Solutions, LLCDavid Lykken is a seasoned mortgage industry expert with over four decades of experience. As a former owner-operator of three mortgage banking companies, a software firm, and several leading consulting businesses, David has a proven track record of driving growth through consulting, executive coaching, and strategic communications. He specializes in working with C-level executives and business owners to develop business strategies, enhance sales and marketing efforts, and streamline operations for greater efficiency and profitability. David is a regular guest on FOX Business News and CNBC and hosts the popular weekly podcast, "Lykken on Lending," which attracts thousands of mortgage professionals nationwide. He also produces the daily market commentary, "Today’s Mortgage Minute," which reaches millions of viewers through various media outlets. In addition, David is a prolific writer, contributing articles to leading industry publications on a regular basis.Sun West Mortgage Company, Inc. is acting as the Lender and offers financing to qualified borrowers. Sun West Mortgage Company, Inc is not affiliated with any third parties mentioned above. The names are owned by the respective third parties.

Join Pavan Agarwal and David Lykken in this powerful episode of The Pavan Perspective as they break down the groundbreaking shifts transforming finance and real estate—from the rise of tokenized real estate equity and Ai Twins revolutionizing communication, to how AngelAi is redefining wealth management, taxes, lending, and long-term financial wellness. Packed with insights on blockchain innovation, and the future of mortgage lending, this conversation delivers a clear look into the technologies reshaping our financial lives.Speaker InformationPavan AgarwalCEO of Sun West and Creator of AngelAiPavan Agarwal is the Chief Executive Officer of Sun West, one of the largest independent, privately owned mortgage companies based in the U.S. He is also the founder of Celligence, which harnesses the best of Artificial Intelligence and Emphatic Technology to make mortgages simple and accessible to everyone. Pavan is a major proponent of Fair Lending and using technology to create homeownership opportunities for underserved markets. He loves to bring innovation into the mortgage industry and seamlessly integrate business units, products, and disparate goals into a single architecture to achieve success. Pavan's exceptional achievements have garnered recognition from prestigious media outlets, including Fox News, Yahoo, and Bloomberg. He's also been nominated for a national philanthropy award for his work with The Autism Community in Action (TACA).David LykkenFounder and Chief Transformation Officer | Executive Coach and Business Strategy ConsultantTransformational Mortgage Solutions, LLCDavid Lykken is a seasoned mortgage industry expert with over four decades of experience. As a former owner-operator of three mortgage banking companies, a software firm, and several leading consulting businesses, David has a proven track record of driving growth through consulting, executive coaching, and strategic communications. He specializes in working with C-level executives and business owners to develop business strategies, enhance sales and marketing efforts, and streamline operations for greater efficiency and profitability. David is a regular guest on FOX Business News and CNBC and hosts the popular weekly podcast, "Lykken on Lending," which attracts thousands of mortgage professionals nationwide. He also produces the daily market commentary, "Today’s Mortgage Minute," which reaches millions of viewers through various media outlets. In addition, David is a prolific writer, contributing articles to leading industry publications on a regular basis.Sun West Mortgage Company, Inc. is acting as the Lender and offers financing to qualified borrowers. Sun West Mortgage Company, Inc is not affiliated with any third parties mentioned above. The names are owned by the respective third parties.

Join Pavan Agarwal (Creator of AngelAi) and David Lykken (host of Lykken on Lending) as they explore how Ai and blockchain are reshaping the mortgage industry. From chat-based Ai to global trends in digital banking, they dive into the future of finance and why Saudi Arabia is leading the charge in Ai-powered banking. Tune in for insights on the technologies transforming home buying, compliance, and beyond! - -Speaker InformationPavan AgarwalCEO of Sun West and Creator of AngelAiPavan Agarwal is the Chief Executive Officer of Sun West, one of the largest independent, privately owned mortgage companies based in the U.S. He is also the founder of Celligence, which harnesses the best of Artificial Intelligence and Emphatic Technology to make mortgages simple and accessible to everyone. Pavan is a major proponent of Fair Lending and using technology to create homeownership opportunities for underserved markets. He loves to bring innovation into the mortgage industry and seamlessly integrate business units, products, and disparate goals into a single architecture to achieve success. Pavan's exceptional achievements have garnered recognition from prestigious media outlets, including Fox News, Yahoo, and Bloomberg. He's also been nominated for a national philanthropy award for his work with The Autism Community in Action (TACA).David LykkenFounder & Chief Transformation Officer | Executive Coach & Business Strategy ConsultantTransformational Mortgage Solutions, LLCDavid Lykken is a seasoned mortgage industry expert with over four decades of experience. As a former owner-operator of three mortgage banking companies, a software firm, and several leading consulting businesses, David has a proven track record of driving growth through consulting, executive coaching, and strategic communications. He specializes in working with C-level executives and business owners to develop business strategies, enhance sales and marketing efforts, and streamline operations for greater efficiency and profitability. David is a regular guest on FOX Business News and CNBC and hosts the popular weekly podcast, "Lykken on Lending," which attracts thousands of mortgage professionals nationwide. He also produces the daily market commentary, "Today’s Mortgage Minute," which reaches millions of viewers through various media outlets. In addition, David is a prolific writer, contributing articles to leading industry publications on a regular basis.Sun West Mortgage Company, Inc. is acting as the Lender and offers financing to qualified borrowers. Sun West Mortgage Company, Inc is not affiliated with any third parties mentioned above. The names are owned by the respective third parties.

In this explosive episode of The Pavan Perspective, Pavan Agarwal sits down with Wesley Paul to discuss ending bias in lending, crashing banking barriers, and putting financial power back in consumers’ hands. From arriving in America with just $100 to building a billion-dollar mortgage empire, Pavan’s journey is pure blueprint material — equal parts rebellion, brilliance, and hard truth.Speaker InformationPavan AgarwalCEO of Sun West and Creator of AngelAiPavan Agarwal is the Chief Executive Officer of Sun West, one of the largest independent, privately owned mortgage companies based in the U.S. He is also the founder of Celligence, which harnesses the best of Artificial Intelligence and Emphatic Technology to make mortgages simple and accessible to everyone. Pavan is a major proponent of Fair Lending and using technology to create homeownership opportunities for underserved markets. He loves to bring innovation into the mortgage industry and seamlessly integrate business units, products, and disparate goals into a single architecture to achieve success. Pavan's exceptional achievements have garnered recognition from prestigious media outlets, including Fox News, Yahoo, and Bloomberg. He's also been nominated for a national philanthropy award for his work with The Autism Community in Action (TACA).Wesley PaulHost of Respect My Blueprint PodcastFounder and CEO of Uptrend CreditWesley Paul “The Blueprint Mastermind” is best known for giving value. Wesley has achieved great success in business and is a powerful Influencer. As the Founder and CEO of Uptrend Credit, a fintech company focused on helping people understand and build credit, Wes is continually striving to empower and educate communities and makes it his life's work to give people the blueprint they need to achieve a better future.Wes is a charismatic, authentic, and an energetic leader who is deeply committed to assisting others in achieving their blueprint. In point of fact, he established the Respect My Blueprint podcast with the intention of assisting others in achieving success in both life and business. Wes is providing nuggets of wisdom on a wide variety of subjects that educate, inspire, and bring about tangible outcomes.Wes's insights are explosive tactics that you can use to level up and remove everything that is preventing you from achieving success. Get exclusive information, success techniques based on real-life experiences, and stories from successful individuals by listening to the Respect My Blueprint podcast.Sun West Mortgage Company, Inc. is acting as the Lender and offers financing to qualified borrowers. Sun West Mortgage Company, Inc. is not affiliated with any third parties mentioned above. The names are owned by the respective third parties.

David Lykken and Pavan Agarwal reveal the dangers of relying on generic Ai tools in mortgage lending. They explain why general Ai solutions can hurt your business and why Ai accuracy is crucial in lending. Learn how AngelAi’s specialized approach is transforming underwriting and giving lenders the edge over traditional Ai.- - -Speaker InformationPavan AgarwalCEO of Sun West and Creator of AngelAiPavan Agarwal is the Chief Executive Officer of Sun West, one of the largest independent, privately owned mortgage companies based in the U.S. He is also the founder of Celligence, which harnesses the best of Artificial Intelligence and Emphatic Technology to make mortgages simple and accessible to everyone. Pavan is a major proponent of Fair Lending and using technology to create homeownership opportunities for underserved markets. He loves to bring innovation into the mortgage industry and seamlessly integrate business units, products, and disparate goals into a single architecture to achieve success. Pavan's exceptional achievements have garnered recognition from prestigious media outlets, including Fox News, Yahoo, and Bloomberg. He's also been nominated for a national philanthropy award for his work with The Autism Community in Action (TACA).David LykkenFounder & Chief Transformation Officer | Executive Coach & Business Strategy ConsultantTransformational Mortgage Solutions, LLCDavid Lykken is a seasoned mortgage industry expert with over four decades of experience. As a former owner-operator of three mortgage banking companies, a software firm, and several leading consulting businesses, David has a proven track record of driving growth through consulting, executive coaching, and strategic communications. He specializes in working with C-level executives and business owners to develop business strategies, enhance sales and marketing efforts, and streamline operations for greater efficiency and profitability. David is a regular guest on FOX Business News and CNBC and hosts the popular weekly podcast, "Lykken on Lending," which attracts thousands of mortgage professionals nationwide. He also produces the daily market commentary, "Today’s Mortgage Minute," which reaches millions of viewers through various media outlets. In addition, David is a prolific writer, contributing articles to leading industry publications on a regular basis.Sun West Mortgage Company, Inc. is acting as the Lender and offers financing to qualified borrowers. Sun West Mortgage Company, Inc is not affiliated with any third parties mentioned above. The names are owned by the respective third parties.Nothing Is Beyond Reach™ 👉 AngelAi.comSun West Mortgage Company, Inc. is not affiliated with any third parties mentioned in the video. The names are owned by the respective third parties.

What if Ai could manage your finances? In this episode of The Pavan Perspective, Pavan Agarwal sits down with Chris Champion to reveal how AngelAi, valued at over $119 billion and trusted by 250,000+ users, is rewriting the rules of modern finance. From building Ai to creating a fully decentralized financial ecosystem, this conversation dives deep into innovation, entrepreneurship, and the future of money. Tune in now to discover how AngelAi is reshaping the way the world banks—and why this could be the biggest shift in fintech history.Pavan AgarwalCEO of Sun West and Creator of AngelAiPavan Agarwal is the Chief Executive Officer of Sun West, one of the largest independent, privately owned mortgage companies based in the U.S. He is also the founder of Celligence, which harnesses the best of Artificial Intelligence and Emphatic Technology to make mortgages simple and accessible to everyone. Pavan is a major proponent of Fair Lending and using technology to create homeownership opportunities for underserved markets. He loves to bring innovation into the mortgage industry and seamlessly integrate business units, products, and disparate goals into a single architecture to achieve success. Pavan's exceptional achievements have garnered recognition from prestigious media outlets, including Fox News, Yahoo, and Bloomberg. He's also been nominated for a national philanthropy award for his work with The Autism Community in Action (TACA).Chris ChampionInvestor | Podcaster | Master Connector | Founder - Champion AiChris Champion is a lifelong entrepreneur and the voice behind Chopping It Up with Chris Champion, a podcast where candid conversations meet ambitious ideas. He has invested in over 143 companies throughout his career. As the founder of Champion Media Group, Champion Capital, and Champion Ai, Chris empowers entrepreneurs, creators, and leaders to elevate their influence through cutting-edge Ai technology and high-impact networking. His flagship platform, Champion Ai, delivers over 40,000 man-hours of tailored podcast outreach daily, boasting a database of 3.97 million verified podcaster emails and a proven track record of over 600 successful podcast interviews with a 27% average response rate. Deeply committed to the entrepreneurial journey, Chris champions innovation, faith, and meaningful connections. Through events like Podcasters Summit LIVE and a network of thousands of creators and thought leaders, Chris continues to unlock new opportunities for people to share their stories and make a lasting impact.Sun West Mortgage Company, Inc. is acting as the Lender and offers financing to qualified borrowers. Sun West Mortgage Company, Inc. is not affiliated with any third parties mentioned above. The names are owned by the respective third parties.Nothing Is Beyond Reach™ 👉 AngelAi.comSun West Mortgage Company, Inc. is not affiliated with any third parties mentioned in the video. The names are owned by the respective third parties.

In this episode of The Pavan Perspective, brand architect Andrew McLean (Inventus Media) teams up with David Lykken (Lykken on Lending) to unpack how AngelAi turned empathetic Ai, radical simplicity, and design thinking into a trusted fintech and mortgage brand—recognized by Fast Company’s Innovation by Design.Speaker InformationDavid LykkenFounder & Chief Transformation Officer | Executive Coach & Business Strategy ConsultantTransformational Mortgage Solutions, LLCDavid Lykken is a seasoned mortgage industry expert with over four decades of experience. As a former owner-operator of three mortgage banking companies, a software firm, and several leading consulting businesses, David has a proven track record of driving growth through consulting, executive coaching, and strategic communications. He specializes in working with C-level executives and business owners to develop business strategies, enhance sales and marketing efforts, and streamline operations for greater efficiency and profitability. David is a regular guest on FOX Business News and CNBC and hosts the popular weekly podcast, "Lykken on Lending," which attracts thousands of mortgage professionals nationwide. He also produces the daily market commentary, "Today’s Mortgage Minute," which reaches millions of viewers through various media outlets. In addition, David is a prolific writer, contributing articles to leading industry publications on a regular basis.Andrew McLeanPrincipal & Managing Partner, Inventus MediaAndrew McLean is the Principal and Managing Partner at Inventus Media, an independent advertising, marketing planning, publicity, media buying, and strategy company based in New York. With over 25 years of experience, he has held significant leadership roles at major agencies and corporations such as WPP, Omnicom, Disney, and others. His career started in publishing, quickly rising in the advertising field where he managed major accounts including Procter & Gamble, Burger King, and Disney's blockbuster film campaigns. He moved to the U.S. in 2000, contributing to the growth of GroupM and later managing media operations at Omnicom's PHD. Founded Inventus Media in 2012, he now focuses on performance-driven marketing strategies for clients across healthcare, financial services, retail, and entertainment sectors. Andrew has global experience, having worked and lived in multiple countries, and serves on various digital and advertising boards.​Andrew’s leadership ethos, "Ready, set, grow," reflects his emphasis on rapid execution and measurable growth in today’s dynamic business environment. His extensive background in media strategy and client relationship management positions him as a prominent figure in the advertising and media consulting space.​Sun West Mortgage Company, Inc. is acting as the Lender and offers financing to qualified borrowers. Sun West Mortgage Company, Inc is not affiliated with any third parties mentioned above. The names are owned by the respective third parties.Nothing Is Beyond Reach™ 👉 AngelAi.comSun West Mortgage Company, Inc. is not affiliated with any third parties mentioned in the video. The names are owned by the respective third parties.

Ai is reshaping the way we live, work, and lend—but how close are we to truly autonomous Ai systems? Join Pavan Agarwal and David Lykken as they dive into the harsh truths about Agentic Ai and how AngelAi is combining human intelligence + Ai for smarter, safer lending.Pavan AgarwalCEO of Sun West and Creator of AngelAiPavan Agarwal is the Chief Executive Officer of Sun West, one of the largest independent, privately owned mortgage companies based in the U.S. He is also the founder of Celligence, which harnesses the best of Artificial Intelligence and Emphatic Technology to make mortgages simple and accessible to everyone. Pavan is a major proponent of Fair Lending and using technology to create homeownership opportunities for underserved markets. He loves to bring innovation into the mortgage industry and seamlessly integrate business units, products, and disparate goals into a single architecture to achieve success. Pavan's exceptional achievements have garnered recognition from prestigious media outlets, including Fox News, Yahoo, and Bloomberg. He's also been nominated for a national philanthropy award for his work with The Autism Community in Action (TACA).David LykkenFounder and Chief Transformation Officer | Executive Coach and Business Strategy ConsultantTransformational Mortgage Solutions, LLCDavid Lykken is a seasoned mortgage industry expert with over four decades of experience. As a former owner-operator of three mortgage banking companies, a software firm, and several leading consulting businesses, David has a proven track record of driving growth through consulting, executive coaching, and strategic communications. He specializes in working with C-level executives and business owners to develop business strategies, enhance sales and marketing efforts, and streamline operations for greater efficiency and profitability. David is a regular guest on FOX Business News and CNBC and hosts the popular weekly podcast, "Lykken on Lending," which attracts thousands of mortgage professionals nationwide. He also produces the daily market commentary, "Today’s Mortgage Minute," which reaches millions of viewers through various media outlets. In addition, David is a prolific writer, contributing articles to leading industry publications on a regular basis.Sun West Mortgage Company, Inc. is acting as the Lender and offers financing to qualified borrowers. Sun West Mortgage Company, Inc is not affiliated with any third parties mentioned above. The names are owned by the respective third parties.Nothing Is Beyond Reach™ 👉 AngelAi.comSun West Mortgage Company, Inc. is not affiliated with any third parties mentioned in the video. The names are owned by the respective third parties.

In this episode of The Pavan Perspective, Pavan Agarwal sits down with Jake El-Rasoul, one of Dubai’s leading real estate agents and capital raisers. Jake shares his inspiring journey from working-class UK engineer to luxury broker in Dubai’s booming property market — closing multi-million-dollar deals and building a global network of investors. Learn what it takes to succeed in this competitive real estate market and secrets behind Dubai’s real estate boom.Speaker InformationPavan AgarwalCEO of Sun West and Creator of AngelAiPavan Agarwal is the Chief Executive Officer of Sun West, one of the largest independent, privately owned mortgage companies based in the U.S. He is also the founder of Celligence, which harnesses the best of Artificial Intelligence and Emphatic Technology to make mortgages simple and accessible to everyone. Pavan is a major proponent of Fair Lending and using technology to create homeownership opportunities for underserved markets. He loves to bring innovation into the mortgage industry and seamlessly integrate business units, products, and disparate goals into a single architecture to achieve success. Pavan's exceptional achievements have garnered recognition from prestigious media outlets, including Fox News, Yahoo, and Bloomberg. He's also been nominated for a national philanthropy award for his work with The Autism Community in Action (TACA).Jake El-RasoulCo-Founder, Aegis Capital Partners and Aegis Capital Real Estate Brokerage LLC (Dubai)General Partner, Knightsbridge Capital PartnersNon-Executive Director, WandarraJake El-Rasoul is a Dubai-based entrepreneur, investor, and Co-founder of Aegis Capital Partners and Aegis Capital Real Estate Brokerage, where he leads international real estate and investment initiatives. With over 20 years of experience bridging global markets, Jake specializes in value-added investment strategies, capital raising, and luxury property development. As a General Partner at Knightsbridge Capital Partners and a Non-executive Director at Wandarra, he’s passionate about connecting businesses, investors, and opportunities to drive sustainable growth. Jake’s reputation for strategic insight, relationship-building, and execution has made him one of the leading voices in Dubai’s booming real estate and investment landscape.Sun West Mortgage Company, Inc. is not affiliated with any third parties. The names are owned by the respective third parties.Nothing Is Beyond Reach™ 👉 AngelAi.comSun West Mortgage Company, Inc. is not affiliated with any third parties mentioned in the video. The names are owned by the respective third parties.

Ai is transforming the mortgage industry, but not all Ai is built the same. In this episode of The Pavan Perspective, Jennifer Vallinayagam (COO of Sun West) and David Lykken (host of Lykken on Lending) uncover why probabilistic Ai (LLMs) often falls short in lending, and how AngelAi is delivering certainty, compliance, and trust through deterministic Ai. With real borrower case studies, this episode reveals what Ai-powered mortgages truly mean.Speaker InformationJennifer Vallinayagam Chief Operating Officer at Sun WestJennifer Vallinayagam, as the Chief Operating Officer (COO) of Sun West, has a remarkable background in software engineering and computer programming. She joined Sun West in 1999 and played a pivotal role in the development of the Mortgage Loan Origination System, now known as SunSoft®/SMILES™. This software has been crucial to Sun West's origination and servicing operations and continues to be a cornerstone of their processes. Jennifer's dedication, hard work, and strategic mindset led to her appointment as COO.Her outstanding contributions have been recognized through prestigious accolades, including being named a '2023 Woman of Influence' by HousingWire, a '2023 Mortgage Lending Woman of Inspiration' by National Mortgage Professional, and receiving a Globee® Women in Business Award. Jennifer Vallinayagam's innovative spirit and leadership have not only shaped Sun West's technological landscape but have also positioned her as a prominent figure in the mortgage industry.David LykkenFounder and Chief Transformation Officer | Executive Coach and Business Strategy ConsultantTransformational Mortgage Solutions, LLCDavid Lykken is a seasoned mortgage industry expert with over four decades of experience. As a former owner-operator of three mortgage banking companies, a software firm, and several leading consulting businesses, David has a proven track record of driving growth through consulting, executive coaching, and strategic communications. He specializes in working with C-level executives and business owners to develop business strategies, enhance sales and marketing efforts, and streamline operations for greater efficiency and profitability. David is a regular guest on FOX Business News and CNBC and hosts the popular weekly podcast, "Lykken on Lending," which attracts thousands of mortgage professionals nationwide. He also produces the daily market commentary, "Today’s Mortgage Minute," which reaches millions of viewers through various media outlets. In addition, David is a prolific writer, contributing articles to leading industry publications on a regular basis.Globee® is a registered trademark of Silicon Valley Communications, LLC.Sun West Mortgage Company, Inc. is acting as the Lender and offers financing to qualified borrowers. Sun West Mortgage Company, Inc is not affiliated with any third parties mentioned above. The names are owned by the respective third parties.Nothing Is Beyond Reach™👉 AngelAi.comSun West Mortgage Company, Inc. is not affiliated with any third parties mentioned in the video. The names are owned by the respective third parties.

Artificial Intelligence is advancing at lightning speed — but not every step forward is a success. In this episode, Pavan Agarwal (Creator of AngelAi) and David Lykken (Host of Lykken on Lending) explore the breakthroughs, challenges, and lessons shaping the future of Ai. We explore the truth about scaling Ai, the difference between hype-driven features and real-world reliability, and the next frontier of Ai innovation.Speaker InformationPavan AgarwalCEO of Sun West and Creator of AngelAiPavan Agarwal is the Chief Executive Officer of Sun West, one of the largest independent, privately owned mortgage companies based in the U.S. He is also the founder of Celligence, which harnesses the best of Artificial Intelligence and Emphatic Technology to make mortgages simple and accessible to everyone. Pavan is a major proponent of Fair Lending and using technology to create homeownership opportunities for underserved markets. He loves to bring innovation into the mortgage industry and seamlessly integrate business units, products, and disparate goals into a single architecture to achieve success. Pavan's exceptional achievements have garnered recognition from prestigious media outlets, including Fox News, Yahoo, and Bloomberg. He's also been nominated for a national philanthropy award for his work with The Autism Community in Action (TACA).David LykkenFounder and Chief Transformation Officer | Executive Coach and Business Strategy ConsultantTransformational Mortgage Solutions, LLC David Lykken is a seasoned mortgage industry expert with over four decades of experience. As a former owner-operator of three mortgage banking companies, a software firm, and several leading consulting businesses, David has a proven track record of driving growth through consulting, executive coaching, and strategic communications. He specializes in working with C-level executives and business owners to develop business strategies, enhance sales and marketing efforts, and streamline operations for greater efficiency and profitability. David is a regular guest on FOX Business News and CNBC and hosts the popular weekly podcast, "Lykken on Lending," which attracts thousands of mortgage professionals nationwide. He also produces the daily market commentary, "Today’s Mortgage Minute," which reaches millions of viewers through various media outlets. In addition, David is a prolific writer, contributing articles to leading industry publications on a regular basis.Sun West Mortgage Company, Inc. is not affiliated with any third parties. The names are owned by the respective third parties.Nothing Is Beyond Reach™ 👉 AngelAi.comSun West Mortgage Company, Inc. is not affiliated with any third parties mentioned in the video. The names are owned by the respective third parties.

The Hispanic housing market is booming — and trust, culture, and technology are at the center of this transformation. In this episode of The Pavan Perspective, Pavan Agarwal, creator of AngelAi, sits down with Gary Acosta, Co-founder and CEO of NAHREP to discuss how loan officers and Realtors® can tap into the fastest-growing segment of U.S. homeownership.Speaker InformationPavan AgarwalCEO of Sun West and Creator of AngelAiPavan Agarwal is the Chief Executive Officer of Sun West, one of the largest independent, privately owned mortgage companies based in the U.S. He is also the founder of Celligence, which harnesses the best of Artificial Intelligence and Emphatic Technology to make mortgages simple and accessible to everyone. Pavan is a major proponent of Fair Lending and using technology to create homeownership opportunities for underserved markets. He loves to bring innovation into the mortgage industry and seamlessly integrate business units, products, and disparate goals into a single architecture to achieve success. Pavan's exceptional achievements have garnered recognition from prestigious media outlets, including Fox News, Yahoo, and Bloomberg. He's also been nominated for a national philanthropy award for his work with The Autism Community in Action (TACA).Gary AcostaCo-founder and CEO, National Association of Hispanic Real Estate Professionals (NAHREP)Gary Acosta is an entrepreneur, investor, and advocate for the Latino business community. He is the Co-founder and CEO of the National Association of Hispanic Real Estate Professionals (NAHREP), the largest Latino business organization in the nation with more than 58,000 members and 100 local chapters. He is also the Co-founder of AVANCE Global, an event platform created with media entrepreneur and New York Times bestselling author, Nely Galán.Gary also founded AVANCE Sports, a non-profit dedicated to expanding Latino leadership and influence in the sports industry. He is a founding partner of L’ATTITUDE Ventures, the largest venture capital fund that invests exclusively in Latino-led startups. He is the creator of the Hispanic Wealth Project, a non-profit with a mission to advance economic mobility and generational wealth in the Latino community. His video series, "The Latino Brand," shares his take on business, leadership, and the image of Latinos in America.Angel SumlinManaging Director of Organizational Development at Sun WestAs the Managing Director of Organizational Development at Sun West, Angel leads and supports the assessment of organizational needs as well as the creation, implementation, and evaluation of programs that assist the company's employees in their continuing career advancement. She also serves as a liaison and an advisor to the organization's leadership, facilitating initiatives across the board. Angel's foundational expertise is in Learning & Development, with demonstrated success in the financial services industry. She has a Master of Business Administration degree from the University of La Verne, California, and is a Certified Professional in Talent Development (CPTD), skilled in coaching, sales, communications, instructional design, team development, and project management.Realtors® is a registered trademark of National Association of Realtors®.Sun West Mortgage Company, Inc. is acting as the Lender and offers financing to qualified borrowers. Sun West Mortgage Company, Inc. is not affiliated with any third parties. The names are owned by the respective third parties.Nothing Is Beyond Reach™ 👉 AngelAi.comSun West Mortgage Company, Inc. is not affiliated with any third parties mentioned in the video. The names are owned by the respective third parties.

Ai is transforming mortgages—from underwriting accuracy to being the key for global capital investments in mortgage assets. In this episode of The Pavan Perspective, David Lykken (Lykken on Lending) sits down with Pavan Agarwal (creator of AngelAi) to explore the tech, policy, and market shifts reshaping lending.Speaker InformationPavan AgarwalCEO of Sun West and Creator of AngelAiPavan Agarwal is the Chief Executive Officer of Sun West, one of the largest independent, privately owned mortgage companies based in the U.S. He is also the founder of Celligence LLC, which harnesses the best of Artificial Intelligence and Emphatic Technology to make mortgages simple and accessible to everyone. Pavan is a major proponent of Fair Lending and using technology to create homeownership opportunities for underserved markets. He loves to bring innovation into the mortgage industry and seamlessly integrate business units, products, and disparate goals into a single architecture to achieve success. Pavan's exceptional achievements have garnered recognition from prestigious media outlets, including Fox News, Yahoo, and Bloomberg. He's also been nominated for a national philanthropy award for his work with The Autism Community in Action (TACA).David LykkenFounder and Chief Transformation Officer | Executive Coach and Business Strategy ConsultantTransformational Mortgage Solutions, LLCDavid Lykken is a seasoned mortgage industry expert with over four decades of experience. As a former owner-operator of three mortgage banking companies, a software firm, and several leading consulting businesses, David has a proven track record of driving growth through consulting, executive coaching, and strategic communications. He specializes in working with C-level executives and business owners to develop business strategies, enhance sales and marketing efforts, and streamline operations for greater efficiency and profitability. David is a regular guest on FOX Business News and CNBC and hosts the popular weekly podcast, "Lykken on Lending," which attracts thousands of mortgage professionals nationwide. He also produces the daily market commentary, "Today’s Mortgage Minute," which reaches millions of viewers through various media outlets. In addition, David is a prolific writer, contributing articles to leading industry publications on a regular basis.Sun West Mortgage Company, Inc. is acting as the Lender and offers financing to qualified borrowers. Sun West Mortgage Company, Inc. is not affiliated with any third parties. The names are owned by the respective third parties.Nothing Is Beyond Reach™ 👉 AngelAi.comSun West Mortgage Company, Inc. is not affiliated with any third parties mentioned in the video. The names are owned by the respective third parties.

In this power-packed episode, Pavan sits down with Gerald Gallagher, General Counsel at Sei Labs and host of Crypto In America, to explore how Ai and blockchain are converging to reshape finance. From self-driving finance to the shifting regulatory landscape, this is a must-watch for founders, fintech leaders, and policy leaders building the next wave of financial services.Speaker InformationPavan AgarwalCEO of Sun West and Creator of AngelAiPavan Agarwal is the Chief Executive Officer of Sun West, one of the largest independent, privately owned mortgage companies based in the U.S. He is also the founder of Celligence International, LLC, which harnesses the best of Artificial Intelligence and Emphatic Technology to make mortgages simple and accessible to everyone. Pavan is a major proponent of Fair Lending and using technology to create homeownership opportunities for underserved markets. He loves to bring innovation into the mortgage industry and seamlessly integrate business units, products, and disparate goals into a single architecture to achieve success. Pavan's exceptional achievements have garnered recognition from prestigious media outlets, including Fox News, Yahoo, and Bloomberg. He's also been nominated for a national philanthropy award for his work with The Autism Community in Action (TACA).Gerald GallagherGeneral Counsel for Sei Labs and Host, Crypto in AmericaGerald Gallagher serves as General Counsel at Sei Labs, the fastest EVM Layer‑1 blockchain—merging Ethereum's development ecosystem with high‑speed performance. He also spearheads the Sei Development Foundation as a board member, supporting the U.S. rollout of Sei via funding, education, and ecosystem-building initiatives,Beyond his legal leadership, Gerald co-founded DC DAO, a cooperative dedicated to advancing community, innovation, and policy in Web3, and Vellum, a platform designed to simplify the legal and operational complexities of DAOs and decentralized projects. He’s a Charter Member of TechGC and brings deep expertise from his previous role as General Counsel and COO at NATION, as well as five years as a venture investor specializing in fintech, healthcare, and other highly regulated industries.Sun West Mortgage Company, Inc. is acting as the Lender and offers financing to qualified borrowers. Sun West Mortgage Company, Inc. is not affiliated with any third parties. The names are owned by the respective third parties.Nothing Is Beyond Reach™ 👉 AngelAi.comSun West Mortgage Company, Inc. is not affiliated with any third parties mentioned in the video. The names are owned by the respective third parties.

In this episode of The Pavan Perspective, Dr. Sarah Grace Manski and Pavan Agarwal explore the urgent crossroads of Ai, crypto, and the Spatial Web, and why the decisions made today could define the next generation of the internet. Dr. Manski breaks down the difference between Web2 and Web3 in simple terms, reveals how the Spatial Web will connect all data, people, and places in a seamless 3D internet, and shares how blockchain technology can empower workers to own their companies. We dive deep into the $15 trillion* Ai economy, why owning your data is the real key to the future, and the hidden risks if Congress gets crypto and Ai regulation wrong. This is a high-stakes conversation about decentralization, digital freedom, economic abundance, and the technologies that could reshape society — if we fight to keep them open and fair.Speaker InformationPavan AgarwalCEO of Sun West and Creator of AngelAiPavan Agarwal is the Chief Executive Officer of Sun West, one of the largest independent, privately owned mortgage companies based in the U.S. He is also the founder of Celligence International, LLC, which harnesses the best of Artificial Intelligence and Emphatic Technology to make mortgages simple and accessible to everyone. Pavan is a major proponent of Fair Lending and using technology to create homeownership opportunities for underserved markets. He loves to bring innovation into the mortgage industry and seamlessly integrate business units, products, and disparate goals into a single architecture to achieve success. Pavan's exceptional achievements have garnered recognition from prestigious media outlets, including Fox News, Yahoo, and Bloomberg. He's also been nominated for a national philanthropy award for his work with The Autism Community in Action (TACA).Dr. Sarah Grace ManskiCEO/Founder, Bread & RosesDr. Sarah Grace Manski is the CEO and Founder of Bread & Roses and serves as Senior Ethical Advisor to The Spatial Web Foundation. A renowned scholar and widely cited author, she specializes in spatial web technologies, artificial intelligence, cyberethics, political economy, and globalization. With over 25 years of experience empowering workers as an activist, labor organizer, journalist, professor, and ethicist, Dr. Manski operates at the intersection of global business, emerging technologies, and social enterprise. She brings deep expertise in blockchain, Internet of Things (IoT), Decentralized Autonomous Organization (DAO)s, cryptocurrencies, VR/AR, and other advanced technologies to her work as a technology consultant and business strategist, helping organizations create ethical, visionary, and sustainable solutions for a 21st-century technological commonwealth.*PwC Estimate by 2030. Source:pwc.com/gx/en/issues/analytics/assets/pwc-ai-analysis-sizing-the-prize-report.pdfSun West Mortgage Company, Inc. is acting as the Lender and offers financing to qualified borrowers. Sun West Mortgage Company, Inc. is not affiliated with any third parties. The names are owned by the respective third parties.

In this power-packed episode, Pavan sits down with Mark Dimas, a real estate legend who has been ranked #1 agent two years in a row into one of the fastest-growing brokerages in the country – 2300 agents in just 10 months! Dive deep into the mindset and strategies that propelled Mark to the top of real estate, how building strong relationships and trust fuels business growth, and the secrets behind Realty of America’s rapid expansion. This is a must watch for loan officers, agents, and entrepreneurs looking to scale.Speaker Information:Pavan AgarwalCEO of Sun West and Creator of AngelAiPavan Agarwal is the Chief Executive Officer of Sun West, one of the largest independent, privately owned mortgage companies based in the U.S. He is also the founder of Celligence International, LLC, which harnesses the best of Artificial Intelligence and Emphatic Technology to make mortgages simple and accessible to everyone. Pavan is a major proponent of Fair Lending and using technology to create homeownership opportunities for underserved markets. He loves to bring innovation into the mortgage industry and seamlessly integrate business units, products, and disparate goals into a single architecture to achieve success. Pavan's exceptional achievements have garnered recognition from prestigious media outlets, including Fox News, Yahoo, and Bloomberg. He's also been nominated for a national philanthropy award for his work with The Autism Community in Action (TACA).Mark DimasPresident and Co-founder, Realty of AmericaMark Dimas is a trailblazing entrepreneur and visionary leader in the real estate industry. With a career spanning over 30 years, Mark has redefined what’s possible in real estate through relentless innovation, strategic networking, and an unwavering commitment to trust. Ranked the #1 Real Estate Agent , Mark has achieved extraordinary milestones, including selling over 3,200 homes and surpassing a billion dollars in sales in a single year. His reputation for excellence and consistency has made him a trusted name among clients, partners, and industry peers alike. In 2024, Mark co-founded Realty of America, a brokerage that has taken the industry by storm. Under his leadership, the company achieved blitzscaling growth, onboarding over 2,300 agents in under 10 months—an unprecedented feat in real estate history. Mark’s journey—from door-to-door hustling to building one of the fastest-growing real estate franchises in the nation—is a testament to the power of relationships, hard work, and visionary thinking. Today, he continues to inspire thousands of agents and entrepreneurs with his dynamic approach to business growth and leadership.Angel SumlinManaging Director of Organizational Development at Sun WestAs the Managing Director of Organizational Development at Sun West, Angel leads and supports the assessment of organizational needs as well as the creation, implementation, and evaluation of programs that assist the company's employees in their continuing career advancement. She also serves as a liaison and an advisor to the organization's leadership, facilitating initiatives across the board. Angel's foundational expertise is in Learning & Development, with demonstrated success in the financial services industry. She has a Master of Business Administration degree from the University of La Verne, California, and is a Certified Professional in Talent Development (CPTD), skilled in coaching, sales, communications, instructional design, team development, and project management.Realtor® is a registered trademark of National Association of Realtors®.Sun West Mortgage Company, Inc. is acting as the Lender and offers financing to qualified borrowers. Sun West Mortgage Company, Inc. is not affiliated with any third parties. The names are owned by the respective third parties.

In this episode of The Pavan Perspective, Pavan Agarwal and David Lykken discuss the rapidly evolving landscape of crypto regulation in the United States. From Capitol Hill debates to real-world impact, they reveal how technology is shaping the future. Pavan shares insider perspectives from Senate hearings and the strategic role of tokens in financial inclusion. If you’re passionate about Ai, crypto, blockchain, or the regulatory frameworks shaping the next generation of finance, this is a must-watch discussion packed with valuable takeaways.- - - Speaker Information:Pavan AgarwalCEO of Sun West and Creator of AngelAiPavan Agarwal is the Chief Executive Officer of Sun West, one of the largest independent, privately owned mortgage companies based in the U.S. He is also the founder of Celligence International, LLC, which harnesses the best of Artificial Intelligence and Emphatic Technology to make mortgages simple and accessible to everyone. Pavan is a major proponent of Fair Lending and using technology to create homeownership opportunities for underserved markets. He loves to bring innovation into the mortgage industry and seamlessly integrate business units, products, and disparate goals into a single architecture to achieve success. Pavan's exceptional achievements have garnered recognition from prestigious media outlets, including Fox News, Yahoo, and Bloomberg. He's also been nominated for a national philanthropy award for his work with The Autism Community in Action (TACA).David LykkenFounder and Chief Transformation Officer | Executive Coach and Business Strategy ConsultantTransformational Mortgage Solutions, LLC David Lykken is a seasoned mortgage industry expert with over four decades of experience. As a former owner-operator of three mortgage banking companies, a software firm, and several leading consulting businesses, David has a proven track record of driving growth through consulting, executive coaching, and strategic communications. He specializes in working with C-level executives and business owners to develop business strategies, enhance sales and marketing efforts, and streamline operations for greater efficiency and profitability. David is a regular guest on FOX Business News and CNBC and hosts the popular weekly podcast, "Lykken on Lending," which attracts thousands of mortgage professionals nationwide. He also produces the daily market commentary, "Today’s Mortgage Minute," which reaches millions of viewers through various media outlets. In addition, David is a prolific writer, contributing articles to leading industry publications on a regular basis.Sun West Mortgage Company, Inc. is acting as the Lender and offers financing to qualified borrowers. Sun West Mortgage Company, Inc. is not affiliated with any third parties. The names are owned by the respective third parties.

In this captivating episode of The Pavan Perspective Podcast, host Pavan Agarwal, Creator of AngelAi, engages in an inspiring conversation with H.E. Tumisang Mosotho, Ambassador of the Kingdom of Lesotho to the United States. Together, they explore how this landlocked African nation is embracing innovation to shape its future. The discussion dives deep into Lesotho’s bold vision of leveraging Ai, blockchain, and cryptocurrency to unlock new economic opportunities. Ambassador Mosotho shares insights on how the country plans to tokenize its natural resources, harness its 100% clean energy to become a hub for crypto mining, and empower its youthful population to lead Africa’s digital transformation. The conversation also highlights Lesotho’s unique relationship with the United States, its strategic role in Africa’s trade landscape, and why the continent is poised to be the future of global growth.Discover why Lesotho should be on your radar and how Africa is rising as a powerhouse of the future.Speaker InformationPavan AgarwalCEO of Sun West and Creator of AngelAiPavan Agarwal is the Chief Executive Officer of Sun West, one of the largest independent, privately owned mortgage companies based in the U.S. He is also the founder of Celligence International, LLC, which harnesses the best of Artificial Intelligence and Emphatic Technology to make mortgages simple and accessible to everyone. Pavan is a major proponent of Fair Lending and using technology to create homeownership opportunities for underserved markets. He loves to bring innovation into the mortgage industry and seamlessly integrate business units, products, and disparate goals into a single architecture to achieve success. Pavan's exceptional achievements have garnered recognition from prestigious media outlets, including Fox News, Yahoo, and Bloomberg. He's also been nominated for a national philanthropy award for his work with The Autism Community in Action (TACA).H.E. Tumisang MosothoAmbassador of the Kingdom of Lesotho to the U.S.Prior to the current appointment, Mr. Mosotho served as the Government of Lesotho’s Chief Delegate in the Lesotho Highlands Water Commission, a bi-national body established under a Treaty between the Kingdom of Lesotho and the Republic of South Africa that is responsible and accountable for the Lesotho Highlands Water Project (LHWP). He joined the LHWP as a Delegate in 2018, and assumed the position of Chief Delegate in 2021. During his tenure in the LHWC, Mr. Mosotho developed a keen interest in the livelihoods and welfare of communities affected by the implementation of the Lesotho Highlands Water Project. Before joining the LHWC, Mr. Mosotho had a remarkable and distinguished career as an attorney in private practice. His main focus areas were: personal injury claims, constitutional law and human rights. In 2013-14 he had a short break from private practice and served as Senior Private Secretary to the then Prime Minister of Lesotho. Mr. Mosotho holds a B.A. Law and LLB degrees, both from the National University of Lesotho. He is married with three children.Sun West Mortgage Company, Inc. is acting as the Lender and offers financing to qualified borrowers. Sun West Mortgage Company, Inc. is not affiliated with any third parties. The names are owned by the respective third parties.

In this special episode, we’re joined by Gary Acosta, Co-Founder and CEO of NAHREP, to explore how Ai and blockchain are revolutionizing homeownership, financial inclusion, and wealth building in underserved communities. From real estate to policy, Gary shares hard truths and bold ideas that challenge the status quo and call for urgent action. Don't miss this eye-opening conversation.Speaker InformationPavan AgarwalCEO of Sun West and Creator of AngelAiPavan Agarwal is the Chief Executive Officer of Sun West, one of the largest independent, privately owned mortgage companies based in the U.S. He is also the founder of Celligence International, LLC, which harnesses the best of Artificial Intelligence and Emphatic Technology to make mortgages simple and accessible to everyone. Pavan is a major proponent of Fair Lending and using technology to create homeownership opportunities for underserved markets. He loves to bring innovation into the mortgage industry and seamlessly integrate business units, products, and disparate goals into a single architecture to achieve success. Pavan's exceptional achievements have garnered recognition from prestigious media outlets, including Fox News, Yahoo, and Bloomberg. He's also been nominated for a national philanthropy award for his work with The Autism Community in Action (TACA).Gary AcostaCo-Founder and CEO, National Association of Hispanic Real Estate Professionals (NAHREP)Gary Acosta is an entrepreneur, investor, and advocate for the Latino business community. He is the Co-Founder and CEO of the National Association of Hispanic Real Estate Professionals (NAHREP), the largest Latino business organization in the nation with more than 58,000 members and 100 local chapters. He is also the Co-founder of AVANCE Global, an event platform created with media entrepreneur and New York Times bestselling author, Nely Galán.Gary also founded AVANCE Sports, a non-profit dedicated to expanding Latino leadership and influence in the sports industry. He is a founding partner of L’ATTITUDE Ventures, the largest venture capital fund that invests exclusively in Latino-led startups. He is the creator of the Hispanic Wealth Project, a non-profit with a mission to advance economic mobility and generational wealth in the Latino community. His video series, "The Latino Brand," shares his take on business, leadership, and the image of Latinos in America.Sun West Mortgage Company, Inc. is acting as the Lender and offers financing to qualified

What happens when a nation fully embraces Bitcoin and rewrites the rules of financial inclusion? In this powerful episode of The Pavan Perspective, Pavan Agarwal sits down with H.E. Milena Mayorga, Ambassador of El Salvador, to explore the country’s bold leap into crypto and financial innovation. Discover how El Salvador’s Bitcoin Law, national crypto wallet, and emerging Ai and digital asset policies are positioning the country as a global leader. From challenging traditional banking systems to navigating International Monetary Fund (IMF) pushback, Ambassador Mayorga shares a candid look at what it takes to drive true transformation.Speaker InformationPavan AgarwalCEO of Sun West and Creator of AngelAiPavan Agarwal is the Chief Executive Officer of Sun West, one of the largest independent, privately owned mortgage companies based in the U.S. He is also the founder of Celligence International, LLC, which harnesses the best of Artificial Intelligence and Emphatic Technology to make mortgages simple and accessible to everyone. Pavan is a major proponent of Fair Lending and using technology to create homeownership opportunities for underserved markets. He loves to bring innovation into the mortgage industry and seamlessly integrate business units, products, and disparate goals into a single architecture to achieve success. Pavan's exceptional achievements have garnered recognition from prestigious media outlets, including Fox News, Yahoo, and Bloomberg. He's also been nominated for a national philanthropy award for his work with The Autism Community in Action (TACA).Milena MayorgaAmbassador of El SalvadorCarmen Milena Mayorga Valera is a Salvadoran diplomat, politician, journalist, and former model. Since the 1st of December 2020, she has served as Salvadoran Ambassador to the United States, having been appointed by President Nayib Bukele. She was previously a member of the Legislative Assembly of El Salvador from the San Salvador Department from 2018 to 2020.Mayorga is a retired model and beauty pageant contestant who represented El Salvador in Miss Universe 1996, where she finished in the top ten. Prior to entering politics, she was a journalist and news presenter. She was formerly a member of the Nationalist Republican Alliance (ARENA) until renouncing her membership in 2020.Sun West Mortgage Company, Inc. is acting as the Lender and offers financing to qualified borrowers. Sun West Mortgage Company, Inc. is not affiliated with any third parties. The names are owned by the respective third parties.

Join us on The Pavan Perspective for a game-changing conversation with Vivek Ramaswamy, entrepreneur and visionary leader, as he unveils his bold plan to transform Ohio into America’s next tech and innovation powerhouse. In this electrifying episode, Vivek shares how Ai, blockchain, and next-gen policies can turn the Ohio River Valley into the new Silicon Valley, create future-proof jobs, revolutionize education with Ai literacy, and make housing truly affordable. From making Ohio the most pro-Bitcoin state in the country to elevating students beyond global standards, Vivek’s plans are set to inspire and challenge the entire nation. Tune in now to discover how ambition, technology, and common-sense policies can revive the American Dream — starting in Ohio.Speaker InformationPavan AgarwalCEO of Sun West and Creator of AngelAiPavan Agarwal is the Chief Executive Officer of Sun West, one of the largest independent, privately owned mortgage companies based in the U.S. He is also the founder of Celligence International, LLC, which harnesses the best of Artificial Intelligence and Emphatic Technology to make mortgages simple and accessible to everyone. Pavan is a major proponent of Fair Lending and using technology to create homeownership opportunities for underserved markets. He loves to bring innovation into the mortgage industry and seamlessly integrate business units, products, and disparate goals into a single architecture to achieve success. Pavan's exceptional achievements have garnered recognition from prestigious media outlets, including Fox News, Yahoo, and Bloomberg. He's also been nominated for a national philanthropy award for his work with The Autism Community in Action (TACA).Vivek RamaswamyEntrepreneur and PoliticianVivek is an American business leader and New York Times bestselling author of Woke, Inc., Nation of Victims, and Capitalist Punishment. Dubbed “The C.E.O. of Anti-Woke” by The New Yorker, he’s been called a leading figure in the Anti-Environmental, Social, and Governance (Anti-ESG) movement by Axios and Bloomberg. A Harvard and Yale Law graduate, he founded Roivant Sciences, leading five drugs to Food and Drug Administration (FDA) approval, and later launched Strive, an Ohio-based asset manager challenging ESG investing. Born in Cincinnati, he now lives in Columbus with his wife Apoorva, a throat surgeon and professor, and their two sons. His motto: “Stand out by being outstanding.Sun West Mortgage Company, Inc. is acting as the Lender and offers financing to qualified borrowers. Sun West Mortgage Company, Inc. is not affiliated with any third parties. The names are owned by the respective third parties.

What if you could be in multiple places at once — and never miss an opportunity? In this episode of The Pavan Perspective, we unpack how Angel Twin becomes your Ai-powered double. Learn how it captures leads, answers questions, and works 24/7 while you focus on what matters. Discover the power of owning your data and putting your expertise to work — on your terms.Speaker InformationPavan AgarwalCEO of Sun West and Creator of AngelAiPavan Agarwal is the Chief Executive Officer of Sun West, one of the largest independent, privately owned mortgage companies based in the U.S. He is also the founder of Celligence International, LLC, which harnesses the best of Artificial Intelligence and Emphatic Technology to make mortgages simple and accessible to everyone. Pavan is a major proponent of Fair Lending and using technology to create homeownership opportunities for underserved markets. He loves to bring innovation into the mortgage industry and seamlessly integrate business units, products, and disparate goals into a single architecture to achieve success. Pavan's exceptional achievements have garnered recognition from prestigious media outlets, including Fox News, Yahoo, and Bloomberg. He's also been nominated for a national philanthropy award for his work with The Autism Community in Action (TACA).Bill InmanBoard Member, Founder, Advisor @ High Growth Companies Ai, Decentralization, Future of Work, Web3 - AI/Blockchain Patent Holder, Multi-Exit EntrepreneurWith over 20 years of experience in launching and scaling startups, Bill has developed a proven track record of transforming ideas into profitable businesses. He has co-founded and led several successful ventures in the fields of human capital, data science, cloud ecosystems, and advanced analytics. Bill has also helped established companies innovate and increase their margins through strategic corporate development and business model optimization. His mission is to modernize the world of staffing, recruiting and empower the future of work.Bill Inman is a board member, founder, and advisor at several high-growth companies that leverage emerging technologies such as blockchain, Ai, metaverse, and XR to create innovative solutions across various industries, including the gig economy, education, social media, and healthcare. As a blockchain and Ai patent holder, Bill has a deep understanding of the potential and challenges of decentralized platforms and applications. He has also advised multiple professional sports leagues and properties on finance and fundraising, combining his passion for sports and technology.Angel SumlinManaging Director of Organizational Development at Sun WestAs the Managing Director of Organizational Development at Sun West, Angel leads and supports the assessment of organizational needs as well as the creation, implementation, and evaluation of programs that assist the company's employees in their continuing career advancement. She also serves as a liaison and an advisor to the organization's leadership, facilitating initiatives across the board. Angel's foundational expertise is in Learning & Development, with demonstrated success in the financial services industry. She has a Master of Business Administration degree from the University of La Verne, California, and is a Certified Professional in Talent Development (CPTD), skilled in coaching, sales, communications, instructional design, team development, and project management.Visit angeltwin.com/terms for Angel Twin terms of service.Sun West Mortgage Company, Inc. is acting as the Lender and offers financing to qualified borrowers. Sun West Mortgage Company, Inc. is not affiliated with any third parties. The names are owned by the respective third parties.

Are missed calls silently draining your business? In today’s episode, we dive deep into why voicemail is costing you more than you think—and how Angel Twin is the Ai-powered solution that keeps you available 24/7 without compromising your data. Learn why voicemail equals lost leads, the hidden danger of Ai platforms that use your data to train competitors, and how blockchain protects your knowledge.Speaker InformationPavan AgarwalCEO of Sun West and Creator of AngelAiPavan Agarwal is the Chief Executive Officer of Sun West, one of the largest independent, privately owned mortgage companies based in the U.S. He is also the founder of Celligence International, LLC, which harnesses the best of Artificial Intelligence and Emphatic Technology to make mortgages simple and accessible to everyone. Pavan is a major proponent of Fair Lending and using technology to create homeownership opportunities for underserved markets. He loves to bring innovation into the mortgage industry and seamlessly integrate business units, products, and disparate goals into a single architecture to achieve success. Pavan's exceptional achievements have garnered recognition from prestigious media outlets, including Fox News, Yahoo, and Bloomberg. He's also been nominated for a national philanthropy award for his work with The Autism Community in Action (TACA).Angel SumlinManaging Director of Organizational Development at Sun WestAs the Managing Director of Organizational Development at Sun West, Angel leads and supports the assessment of organizational needs as well as the creation, implementation, and evaluation of programs that assist the company's employees in their continuing career advancement. She also serves as a liaison and an advisor to the organization's leadership, facilitating initiatives across the board. Angel's foundational expertise is in Learning & Development, with demonstrated success in the financial services industry. She has a Master of Business Administration degree from the University of La Verne, California, and is a Certified Professional in Talent Development (CPTD), skilled in coaching, sales, communications, instructional design, team development, and project management.Visit angeltwin.com/terms for Angel Twin terms of service.Sun West Mortgage Company, Inc. is not affiliated with any third parties. The names are owned by the respective third parties.Bill InmanBoard Member, Founder, and Advisor High Growth CompaniesBill Inman is a board member, founder, and advisor at several high-growth companies that leverage emerging technologies such as blockchain, AI, metaverse, and XR to create innovative solutions for various industries, including gig economy, education, social media, and healthcare. As a blockchain and AI patent holder, he has a deep understanding of the potential and challenges of decentralized platforms and applications. He has also advised multiple professional sports leagues and properties on finance and fundraising, combining his passion for sports and technology.With over 20 years of experience in launching and scaling startups, he has developed a proven track record of transforming ideas into profitable businesses. He has co-founded and led several successful ventures in the fields of human capital, data science, cloud ecosystem, and advanced analytics. He has also helped established companies to innovate and increase their margins through strategic corporate development and business model optimization. His mission is to modernize the world of staffing and recruiting and empower the future of work.

In this powerful episode of The Pavan Perspective, Pavan Agarwal is joined by Steve Kinard, President of Ai Innovation Association, and David Lykken, host of Lykken on Lending. We dive deep into the real risks of centralized Ai control, how the Texas model could serve as the national blueprint for ethical Ai adoption, and protecting digital sovereignty. If you care about the future of technology and innovation, this is a must-watch.Website: InnovationConnect.aiUpcoming D.C. Conference: USSAIC.comSpeaker InformationPavan AgarwalCEO of Sun West and Creator of AngelAiPavan Agarwal is the Chief Executive Officer of Sun West, one of the largest independent, privately owned mortgage companies based in the U.S. He is also the founder of Celligence International, LLC, which harnesses the best of Artificial Intelligence and Emphatic Technology to make mortgages simple and accessible to everyone. Pavan is a major proponent of Fair Lending and using technology to create homeownership opportunities for underserved markets. He loves to bring innovation into the mortgage industry and seamlessly integrate business units, products, and disparate goals into a single architecture to achieve success. Pavan's exceptional achievements have garnered recognition from prestigious media outlets, including Fox News, Yahoo, and Bloomberg. He's also been nominated for a national philanthropy award for his work with The Autism Community in Action (TACA).Steve Kinard Jr.President, AI Innovation AssociationSteve Kinard Jr. is a multifaceted leader at the intersection of AI innovation, energy investment, and public policy. As President of the AI Innovation Association, he advocates for responsible AI development, emphasizing transparency, decentralization, and ethical considerations. Previously, he served as Director of Policy and Director of Bitcoin Mining at the Texas Blockchain Council, where he played a pivotal role in shaping Texas's leadership in blockchain innovation. In his role at Shalehaven Partners, Steve directs investments in oil and gas, focusing on delivering tax-efficient solutions. His experience spans energy banking, technology policy, and entrepreneurship, providing a unique perspective on the evolving landscape of AI and energy sectors.David LykkenFounder and Chief Transformation Officer | Executive Coach and Business Strategy ConsultantTransformational Mortgage Solutions, LLC David Lykken is a seasoned mortgage industry expert with over four decades of experience. As a former owner-operator of three mortgage banking companies, a software firm, and several leading consulting businesses, David has a proven track record of driving growth through consulting, executive coaching, and strategic communications. He specializes in working with C-level executives and business owners to develop business strategies, enhance sales and marketing efforts, and streamline operations for greater efficiency and profitability. David is a regular guest on FOX Business News and CNBC and hosts the popular weekly podcast, "Lykken on Lending," which attracts thousands of mortgage professionals nationwide. He also produces the daily market commentary, "Today’s Mortgage Minute," which reaches millions of viewers through various media outlets. In addition, David is a prolific writer, contributing articles to leading industry publications on a regular basis.Sun West Mortgage Company, Inc. is acting as the Lender and offers financing to qualified borrowers. Sun West Mortgage Company, Inc. is not affiliated with any third parties. The names are owned by the respective third parties.

What if your Ai assistant knew everything you did — and more? In this episode, Pavan Agarwal, along with Angel Sumlin, Rick Grant, and John Stevens, dives deep into how AngelAi and Angel Twin are revolutionizing real estate and lending. Learn how you can have your Ai Twin handle customer interactions, lead prospecting, appointments, and even loan approvals—on autopilot.Speaker InformationPavan AgarwalCEO of Sun West and Creator of AngelAiPavan Agarwal is the Chief Executive Officer of Sun West, one of the largest independent, privately owned mortgage companies based in the U.S. He is also the founder of Celligence International, LLC, which harnesses the best of Artificial Intelligence and Emphatic Technology to make mortgages simple and accessible to everyone. Pavan is a major proponent of Fair Lending and using technology to create homeownership opportunities for underserved markets. He loves to bring innovation into the mortgage industry and seamlessly integrate business units, products, and disparate goals into a single architecture to achieve success. Pavan's exceptional achievements have garnered recognition from prestigious media outlets, including Fox News, Yahoo, and Bloomberg. He's also been nominated for a national philanthropy award for his work with The Autism Community in Action (TACA).Angel SumlinManaging Director of Organizational Development at Sun West Mortgage Company, Inc.As the Managing Director of Organizational Development at Sun West, Angel leads and supports the assessment of organizational needs as well as the creation, implementation, and evaluation of programs that assist the company's employees in their continuing career advancement. She also serves as a liaison and an advisor to the organization's leadership, facilitating initiatives across the board. Angel's foundational expertise is in Learning & Development, with demonstrated success in the financial services industry. She has a Master of Business Administration degree from the University of La Verne, California, and is a Certified Professional in Talent Development (CPTD), skilled in coaching, sales, communications, instructional design, team development, and project management.John G. StevensPublisher, WRE NewsJohn G. Stevens is a seasoned mortgage professional with over two decades of experience. John has held prominent positions, including President of the National Association of Mortgage Brokers (NAMB) and President of the Utah Association of Mortgage Professionals. His leadership roles extend to SRE Mortgage Alliance Inc., where he served as Chief Revenue Officer and Chief Marketing Officer. He currently serves as the Chief Development Officer at Barrett Financial Group.Beyond his corporate responsibilities, John is actively involved in his community, having served as President of the Rotary Club of Pleasant Grove and Chair of the Pleasant Grove Planning Commission. Rick GrantEditorial Director, Weekly Real Estate NewsRick Grant is the Editorial Director of Weekly Real Estate News. With 30 years of experience reporting on the real estate and mortgage industries, he has designed, written, and produced branded marketing collateral and thought leadership content for numerous companies. Rick is also the President of RGA Public Relations, a consulting firm specializing in communication strategy and corporate branding. Before launching RGA, Rick founded Texell Interactive Media, a production company delivering electronic audio and video content for web-based marketing. Prior to his entrepreneurial ventures, he spent over a decade as a trade journalist covering the financial services industry, with articles featured in national newspapers, magazines, and online publications. Visit angeltwin.com/terms for Angel Twin terms of service.Sun West Mortgage Company, Inc. is not affiliated with any third parties mentioned in the video. The names are owned by the respective third parties.

In this explosive episode of The Pavan Perspective, we sit down with Sugar Shane Mosley, Boxing Hall of Famer and one of the fiercest competitors in the ring. Shane opens up about his battles in the ring, a champion’s mindset, and the will to win. Whether you're a boxing fan, an athlete, or chasing greatness in life, this episode will inspire you to go the distance.Speaker InformationPavan AgarwalCEO of Sun West and Creator of AngelAiPavan Agarwal is the Chief Executive Officer of Sun West, one of the largest independent, privately owned mortgage companies based in the U.S. He is also the founder of Celligence International, LLC, which harnesses the best of Artificial Intelligence and Emphatic Technology to make mortgages simple and accessible to everyone. Pavan is a major proponent of Fair Lending and using technology to create homeownership opportunities for underserved markets. He loves to bring innovation into the mortgage industry and seamlessly integrate business units, products, and disparate goals into a single architecture to achieve success. Pavan's exceptional achievements have garnered recognition from prestigious media outlets, including Fox News, Yahoo, and Bloomberg. He's also been nominated for a national philanthropy award for his work with The Autism Community in Action (TACA).Sugar Shane MosleyBoxing Hall of FamerShane Mosley, also known by his nickname Sugar Shane Mosley, is American professional boxer born in Lynwood, California. He held multiple world championships in three weight classes, including the International Boxing Federation (IBF) lightweight title, the World Boxing Association [WBA] (Super) and World Boxing Council (WBC) welterweight titles, and the WBA (Super), WBC, and The Ring magazine light middleweight titles. Mosley was a lineal champion at welterweight (twice) and light middleweight. He was named Fighter of the Year by the Boxing Writers Association of America in 1998 and by the International Boxing Hall of Fame in 2000. Mosley retired from boxing in 2016, with a professional record of 49 wins, 10 losses, 1 draw, and 1 no contest. Throughout his career, he faced notable opponents such as Oscar De La Hoya and Antonio Margarito, and he remains one of the most successful boxers in history.IBF and WBC are trademarks of International Boxing Federation, Inc. and World Boxing Council A.C., respectively and are not affiliated with Sun West Mortgage Company, Inc.Sun West Mortgage Company, Inc. is not affiliated with any third parties mentioned in the video. The names are owned by the respective third parties.

What does it take to become a champion—not just in competition, but in life? In this episode, Rosemary Homeister shares her incredible career transition from a Hall of Fame jockey to selling dream homes, and her secrets to success. Whether you’re in real estate, sales, or just need a dose of inspiration, this is an episode you don’t want to miss.- - -Speaker InformationPavan AgarwalCEO of Sun West and Creator of AngelAiPavan Agarwal is the Chief Executive Officer of Sun West, one of the largest independent, privately owned mortgage companies based in the U.S. He is also the founder of Celligence International, LLC, which harnesses the best of Artificial Intelligence and Emphatic Technology to make mortgages simple and accessible to everyone. Pavan is a major proponent of Fair Lending and using technology to create homeownership opportunities for underserved markets. He loves to bring innovation into the mortgage industry and seamlessly integrate business units, products, and disparate goals into a single architecture to achieve success. Pavan's exceptional achievements have garnered recognition from prestigious media outlets, including Fox News, Yahoo, and Bloomberg. He's also been nominated for a national philanthropy award for his work with The Autism Community in Action (TACA).Abby SchwartzMarketing/ Events CoordinatorAbby, a seasoned professional with a strong background in brand management and luxury real estate, serves as a dedicated Brand Ambassador at AngelAi. She has a wealth of experience from leading strategic planning for nation-wide liquor sampling events to directing brand management consulting initiatives among top luxury real estate brokers. Abby is committed to making a significant impact on the Puerto Rico real estate market. With a keen eye for detail and a passion for excellence, Abby is dedicated to making a significant impact on the Puerto Rico real estate market, introducing innovations previously unseen on the island.Rosemary HomeisterLicense #734113Realtor® | Hall of Fame JockeyRosemary Homeister is a history-making athlete turned real estate powerhouse. As the first and only female jockey to win the Eclipse Award for Outstanding Apprentice Jockey in the U.S., Rosemary carved out a legendary career in Thoroughbred racing, racking up over 2,700 wins and blazing a trail for women in a male-dominated sport.After retiring from professional racing, Rosemary channeled her relentless drive and competitive spirit into real estate. Today, she brings that same level of grit and discipline to helping families and investors find their dream homes. Her background in high-stakes sports has given her a unique edge—she understands pressure, precision, and what it means to win.Now based in Katy, TX, Rosemary is focused on building deep client relationships and delivering exceptional service. Whether on the track or in the market, she leads with integrity, resilience, and heart.Realtor® is a registered trademark of National Association of Realtors®.Sun West Mortgage Company, Inc. is not affiliated with any third parties mentioned in the video. The names are owned by the respective third parties.