Jim sits down with Todd Hougaard, CEO of BLITS, to discuss the evolution of tech in the mortgage and title spaces, and what’s ahead for 2025.

Things Will Change… But What Exactly?

Lest we state the obvious, 2025 has been a year of change. Or at least… we expect it will be. The new administration has proposed sweeping alterations and cuts, many of which directly affect mortgage, title, and housing regulation. Certainly, the CFPB will not end the year in the same state it began it.

But there are other possible changes that are less obvious. For example, Todd has long had his eye on AI, specifically how its various uses can both help and harm the title and mortgage processes. With deep fakes and other applications, AI can be—and has been—weaponized for criminal purposes. It’s also helped immensely with things like underwriting.

Something less talked about than AI is email. So much of the mortgage industry takes place on email platforms—none of which were ever designed to handle such sensitive information. Email security is a challenge inherent to the technology.

All that to say, change is on the horizon. But something just as fascinating as the impending changes themselves is the kinds of change that tend to make headlines—and the kinds that don’t.

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