{"type":"rich","version":"1.0","provider_name":"Transistor","provider_url":"https://transistor.fm","author_name":"AI Hope","title":"AI Hope Episode 6: Fobby Naghmi on Why the Mortgage Pros Who Use AI Will Replace the Ones Who Don't ","html":"","width":"100%","height":180,"duration":531,"description":"Fobby Naghmi, senior vice president at AnnieMac and a longtime podcaster in his own right, remembers the exact moment ChatGPT changed how he saw the world. He described it as the moment Christopher Columbus told everyone the world wasn't flat anymore. \n\nFobby has spent the years since using AI as a genuine day-to-day tool rather than a talking point, in an industry that runs on paperwork, disclosures, and timelines that punish anyone who falls behind. Fobby doesn't think AI replaces mortgage professionals, he thinks the mortgage professionals who use AI replace the ones who don't. \n\nHe's watched that gap widen inside his own team over the past year and a half. It's the same adaptation story that's played out since someone first hitched a horse to a cart, except this time the stakes show up in loan timelines instead of miles walked.\n\nFobby's read on where AI goes next in mortgage is less about automation and more about foresight, using AI to catch the fires in a loan file before they start rather than scrambling to put them out, and building AI agents into recruiting and client outreach so his own time opens up for the parts of the job that actually require a person. He's also watching regulation land, TCPA rules already apply and Fannie Mae's AI governance framework takes effect August 6th.\n\nHis hope for the industry, and for anyone listening, is straightforward: stop treating AI like a verdict on your career and start treating it like a tool, because a car can take someone to the hospital or it can do damage, and the tool was never the deciding factor. The technology doesn't decide who wins. The willingness to adapt does.\n\nListen today on Spotify, iTunes, YouTube, or wherever you get your podcasts!\n\n1:20 The ChatGPT moment that changed how Fobby saw everything \n3:01 Why AI adoption will separate mortgage pros who thrive from those who don't \n4:25 His \"now or never\" moment diving headfirst into AI \n5:09 Using AI to catch the fires in a loan file before they...","thumbnail_url":"https://img.transistorcdn.com/3geCJ1VW0lJp_L0iMNFeYncMeLLmjyFI3vHgwOHbnAI/rs:fill:0:0:1/w:400/h:400/q:60/mb:500000/aHR0cHM6Ly9pbWct/dXBsb2FkLXByb2R1/Y3Rpb24udHJhbnNp/c3Rvci5mbS9lNDEy/Y2FmNGNjODJhZjk0/Njk1NzJkMjk0YmY5/YjdiMS5wbmc.webp","thumbnail_width":300,"thumbnail_height":300}