California's top gathering for mortgage pros.

Join Newfi Wholesale for a session all about how to stand out in 2026! Learn how long-lasting business growth is tied to intentional, small daily actions and explore…

• the art of developing people-first relationships that go beyond the closing table
• the importance of communicating and listening to serve and,
• the impact of powerful programs and a relationship-building mindset can have on your business

We can’t wait to see you there!

Join us for a powerful, informative, and motivational session designed to "elevate" your mortgage strategy, business approach, and mindset in today’s, evolving, Jumbo Market.

Learn valuable insights on how loan officers are thinking bigger and by thinking like a CEO—unlocking new levels of growth and opportunity in the Jumbo Market.

What does it take to succeed? How to Compete?  What is the difference-maker when it comes to those who are funding 20+ loans per month and those who are struggling? How do you align yourself for long-term success? We’ll share example after example of how you can succeed using the right tools and programs—and much more.

Learn:

• How to secure “Builder” Preferred Lender status
• How to secure “Realtor” Preferred Lender status
• How to excel with “Jumbo” loans that offer powerful pricing  options
• How to capture “Foreign National” business and how to capture No DTI/No Income Options - Even on (Primary, Second Home or Investment loans)
• How to close more Jumbo loans even up to 90% LTV up to $5Million and even up to $10Million at lower LTVs with low rate, no point options that truly compete. 
• Learn how to capture more preferred realtor relationships with  Buy Without Sell First programs.  No Point, Low Rate options that are far cheaper than using bridge loan options.  No need to list or sell first. No follow up QC to show departure property ever sold.  Permanent financing so no need to redo out of it. 

Learn how to grow your business from 1–2 loans per month to 15–38 in under 1–2 years (even in this market).

Self-employed entrepreneurs, variable-income professionals, and fixed-income retirees represent the fastest growing segments of the housing market. They are also the most routinely declined.

Despite holding over $14 trillion in home equity, millions of qualified borrowers are unable to access financing through traditional HELOCs and bank products. The reason is simple. Debt to income constraints and rigid payment structures were never designed for those without a standard W2.

This session exposes the structural flaw in today’s lending model. We will explain why these borrowers are being declined not because of actual risk, but because of outdated underwriting assumptions that fail to account for complex financial profiles.

Strategic Growth for Forward Thinking Originators

Learn how to pivot your strategy to capture the market share your competitors are ignoring by:

• Converting DTI declined borrowers into approvals
• Unlocking larger loan amounts with sustainable payments
• Thriving in high rate environments
•  Building referral driven pipelines from non-traditional niches

What You Will Learn

• Why traditional HELOCs fail self-employed, variable-income, and retirement-age borrowers
• How to qualify asset-rich, income-constrained homeowners using modern criteria
•  How flexible payment structures outperform rate-only solutions for complex profiles
• How to turn “denied” files into profitable, compliant closings

How to tap a massive, underserved market your competitors are missing

If your pricing is 100 bps better than the market, you don't have to "sell." If it’s 100 bps worse, no amount of "relationship" will save you.

Thuan Nguyen became the #1 MLO in the country by building a tech-driven engine that removes the "fat" from lending. Having personally closed over 16,000 loans and $5 Billion in volume, Thuan is pulling back the curtain on the "math" of the modern mortgage.

In this "open-book" session, the Loan Factory founder breaks down the specific tech, wholesale partners, and strategies driving his 2,500-MLO team. No fluff—just the blueprint for the most aggressive growth in the industry.

The Non-QM market continues to evolve—don’t get left behind. This session provides the tools and knowledge you need to stay ahead of industry shifts and future-proof your business. Through practical examples and proven strategies, you’ll gain confidence to lead in a dynamic environment.

Learning Objectives:

• Stay competitive with forward-looking Non-QM strategies
• Identify and capitalize on market opportunities
• Deep dive into Non-QM programs and borrower needs
• Address common questions and scenarios effectively

Freedom Mortgage Wholesale, a supporter of the mortgage broker community, is Historically, Currently, and 4EVER Wholesale. Freedom is presenting a panel of experienced mortgage professionals sharing their unique histories, current approaches, and strategic perspectives on achieving future success. This discussion will explore how lasting businesses come to be. Get ready for interesting conversations with actionable insights to help you build a thriving 4EVER broker business. Let’s get building!

Everyone in the mortgage industry is wondering: what will the rise of Artificial Intelligence mean? There's no need to guess, since there's already one company that's been running on AI-powered systems since 2018. Sun West Mortgage's sister company, Celligence, created an AI underwriting and processing platform that Sun West has been using to power its company for the past five years. Underwriting is now measured in minutes, and processing tasks are primarily automated. This has allowed Sun West to make better loan decisions, expand credit to more communities, and free originators to spend more time building business rather than babysitting files. In the past year, Sun West has opened its system -- called Angel AI -- to the origination community at large, and backs loan decisions made by its system "100%" -- meaning that if an originator gets a green light from Angel AI, Sun West will commit to closing the loan, period. Don't miss this incredible session looking inside a large mortgage lender running its operations fully on artificial intelligence. The future is already here. So now the question is: what's next?

Join us for a powerful, fast-paced journey through two decades of transformation in the mortgage industry. From paper files and fax machines to AI-driven underwriting and instant closings, we’ll explore how far we’ve come—and what’s coming next.

What You’ll Learn:

• Key industry milestones and moments that shaped today’s mortgage world
• How the portrait of the borrower has evolved and what that means for you
• The role of technology and why people still matter more than ever
• What brokers expect from modern lending partners in 2025
• Why understanding our past helps avoid repeating mistakes and ready for the future

Optional — Must Pre-Register

Registration opens at 8 am, class beings promptly at 9 am. Anyone not already registered at 9 am will not be allowed to take the class. Partial credit cannot be offered.

Fulfill your complete 8 hour continuing education requirements for your NMLS license renewal! This is a separately-ticketed bonus offering. Make the most of your time this year by getting all your federally-required CE at the expo, in addition to a conference full of networking, education, opportunities and prizes.

Important Note: You must take the entire 8 hour class to qualify for credit. We cannot give partial credit. Class provided by MaxClass.

Class is taught by MaxClass (provider #1405088) and will teach the 7 Hour CORE (18443) & 1 Hour California State Elective (18423).

IMPORTANT: In addition to pre-registration, in order to qualify for admission to the free NMLS License Renewal Class, you must have attended the expo and had your Exhibit Hall passport marked by all exhibitors. Only one Exhibit Hall passport given per person.