Next week on Now Next Later, hosts Jeremy Potter and Sasha Stair, CMB, are joined by Paul Gigliotti, CEO of the California MBA, for a timely conversation on how states are approaching innovation, AI oversight, and community investment requirements. They’ll also look at why California’s approach may shape national trends and preview emerging priorities as the industry heads toward 2026. Founded by industry veteran Rob Chrisman, the Chrisman Commentary is your trusted source for mortgage industry insights and updates. Whether you're a mortgage broker, lender, investor, or industry enthusiast, Chrisman Commentary will keep you informed and ahead of the curve in this dynamic and ever-evolving industry. Join our community and stay on top of the latest trends in mortgage lending. #ChrismanCommentary #Nownextlater #MortgageRates #HousingMarket #MortgageIndustry

Just because AI can does not mean it should. Diane Yu explains why mortgage AI needs strict guardrails, PII redaction and domain context so borrower data stays safe while applications still move faster. #mortgage #compliance #ai #dataprivacy

California Fair Plan is layered coverage, and many servicers and vendors are still missing that extra policy in their tracking. If you or your clients are on the Fair Plan, triple check that your servicer has it on file to avoid surprises. #servicing #mortgage #insurance

Agentic AI is more than chat. It plans, takes multi step actions, then reveals its plan and tells you what it did. Diane Yu breaks down why that matters for closing the last mile of mortgage automation. #agenticai #mortgage #fintech #automation

Climate risk is hitting collateral, insurers and reinsurers at the same time. As losses mount, premiums rise and PITI follows, putting more pressure on borrowers. We need smarter public backstops and pricing to keep homeownership in reach. #mortgage #insurance #housingmarket

Most loan officers do not need another to do list. They need an always on assistant. Diane Yu explains how Tidal Wave solo assist connects with borrowers, secures permissions, evaluates docs and builds full applications in the background. #mortgageindustry #fintech #ai

FHA total delinquencies near 10 percent are almost double what many would consider a healthy pre-crisis baseline. Years of COVID era policy effectively put a bandaid on a bullet hole, delaying necessary resolution and creating false hope in situations driven by structural and life event stress. Letting the cycle work, even when it is painful, is critical for future first time buyers, market stability, and long term affordability. The question now is how the industry manages that reset without losing a generation of new homeowners. #FHA #delinquencies #mortgagedefault #housingpolicy #homeownership #servicing #lossmitigation #housingmarket #mortgagepros #riskmanagement

Supervision and enforcement activity has slowed as federal oversight fragments across states and courts. This creates uneven competition, inconsistent enforcement, and greater risk for lenders trying to follow the rules in a tight market. #MortgageCompliance #CFPB #Supervision #Enforcement #MortgageIndustry