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Breaking News in Mortgage AI 🚨 Um, did you catch the latest bulletin from Freddie Mac? 🤔 On 12/3, Freddie Mac published Bulletin 2025-16, which announced a governance framework for artificial intelligence and machine learning systems. Now if you dig deeper, you will see the reference to this: 1302.8 - Use of artificial intelligence and machine learning 𝘓𝘪𝘯𝘬 𝘵𝘰 𝘵𝘩𝘦 𝘣𝘶𝘭𝘭𝘦𝘵𝘪𝘯 𝘸𝘪𝘭𝘭 𝘣𝘦 𝘪𝘯 𝘵𝘩𝘦 𝘤𝘰𝘮𝘮𝘦𝘯𝘵𝘴 👇🏼 Well, the short of it is that Freddie Mac has now put AI governance requirements in writing. The bad news? You have about 3 months to get ready. Yes, that is correct. March 2026. That's the effective date for the new changes to Single-Family Seller/Servicer Guide Section 1302.8, “Use of artificial intelligence and machine learning.” And through this bulletin, Freddie Mac has now established a comprehensive, formal governance and risk management framework for any Seller/Servicer that uses AI/ML in connection with the origination of Mortgages sold to Freddie Mac or the servicing of Mortgages on behalf of Freddie Mac. And then there is the big one 👉 Section 1302.8 includes an explicit indemnification requirement: if you use AI/ML in these activities, you agree to indemnify Freddie Mac and its directors, officers, employees, agents, successors and assigns for liabilities arising from that AI/ML use. 𝐑𝐢𝐬𝐤 𝐨𝐰𝐧𝐞𝐫𝐬𝐡𝐢𝐩 𝐜𝐨𝐮𝐥𝐝 𝐧𝐨𝐭 𝐛𝐞 𝐜𝐥𝐞𝐚𝐫𝐞𝐫. So what does this really mean for lenders and servicers? This is the moment where AI in mortgage lending moves from experimentation to governed infrastructure. Why? Because according to Section 1302.8 and 1302.8(c), AI/ML use is now expressly covered by Guide requirements. Furthermore, Freddie Mac specifically expects: * Established governance framework requirements * Concrete risk management actions for AI/ML * Documented policies, codes of conduct and segregation of duties * Demonstrated ownership and ongoing oversight For a lender or servicer, a formal, comprehensive AI/ML governance and risk management framework is no longer a “nice to have.” It is now an 𝐞𝐱𝐩𝐥𝐢𝐜𝐢𝐭 𝐆𝐮𝐢𝐝𝐞 𝐫𝐞𝐪𝐮𝐢𝐫𝐞𝐦𝐞𝐧𝐭 if you plan to sell to or service for the GSE and use AI/ML in those activities. This is the moment where how well you govern your AI use will be the deciding factor. If you are navigating what this means for your organization and your team is not sure where to start, I help lenders and servicers turn these AI expectations into clear, workable governance and compliance practices. After all, can Fannie Mae be far behind? #SuhaBeidasZehl Z Technology Solutions

❝ 𝙔𝙤𝙪 𝙖𝙧𝙚 𝙣𝙤𝙩 𝙝𝙞𝙧𝙞𝙣𝙜 𝙧𝙤𝙗𝙤𝙩𝙨. 𝙔𝙤𝙪 𝙖𝙧𝙚 𝙝𝙞𝙧𝙞𝙣𝙜 𝙝𝙪𝙢𝙖𝙣𝙨 𝙬𝙝𝙤 "𝙨𝙝𝙤𝙪𝙡𝙙" 𝙠𝙣𝙤𝙬 𝙝𝙤𝙬 𝙩𝙤 𝙪𝙨𝙚 𝘼𝙄 𝙬𝙚𝙡𝙡 𝙤𝙧 𝙩𝙝𝙚𝙮 𝙬𝙞𝙡𝙡 𝙗𝙚 𝙡𝙚𝙛𝙩 𝙗𝙚𝙝𝙞𝙣𝙙 💥 In today’s market, loan officers, account executives, and real estate agents who understand how to use AI will quickly outpace those who do not. You already see it. Top producers are using AI to respond faster, prioritize their pipeline more intelligently, and deliver more personalized, high-touch experiences at scale. 𝐒𝐨 𝐚𝐬 𝐚 𝐒𝐚𝐥𝐞𝐬 𝐋𝐞𝐚𝐝𝐞𝐫, 𝐚𝐫𝐞 𝐘𝐎𝐔 𝐠𝐢𝐯𝐢𝐧𝐠 𝐲𝐨𝐮𝐫 𝐭𝐞𝐚𝐦 𝐭𝐡𝐞 𝐀𝐈 𝐬𝐤𝐢𝐥𝐥𝐬 𝐭𝐡𝐞𝐲 𝐧𝐞𝐞𝐝, 𝐨𝐫 𝐥𝐞𝐚𝐯𝐢𝐧𝐠 𝐢𝐭 𝐭𝐨 𝐜𝐡𝐚𝐧𝐜𝐞? Recently, Suha Beidas Zehl, CMB®, Founder and Chief Everything Officer at Z Technology Solutions, conducted an in-person 3-hour AI Training Workshop in Charleston, SC with over 70 loan officers, real estate agents, and builders in the room. Watch this short video to hear what some of the attendees had to say about how this workshop changed the way they think about AI and their business. We were genuinely blown away by the response. It confirmed what Suha has known for some time now: your teams do not need more theory, they need hands on, practical, real world training that fits our industry and their day to day. 𝐒𝐨 𝐢𝐟 𝐲𝐨𝐮 𝐥𝐞𝐚𝐝 𝐚 𝐬𝐚𝐥𝐞𝐬 𝐨𝐫 𝐩𝐫𝐨𝐝𝐮𝐜𝐭𝐢𝐨𝐧 𝐭𝐞𝐚𝐦 𝐢𝐧 𝐭𝐡𝐞 𝐦𝐨𝐫𝐭𝐠𝐚𝐠𝐞 𝐚𝐧𝐝 𝐫𝐞𝐚𝐥 𝐞𝐬𝐭𝐚𝐭𝐞 𝐞𝐜𝐨𝐬𝐲𝐬𝐭𝐞𝐦 𝐚𝐧𝐝 𝐲𝐨𝐮 𝐚𝐫𝐞 𝐧𝐨𝐭 𝐲𝐞𝐭 𝐩𝐫𝐨𝐯𝐢𝐝𝐢𝐧𝐠 𝐀𝐈 𝐭𝐫𝐚𝐢𝐧𝐢𝐧𝐠 𝐚𝐧𝐝 𝐞𝐝𝐮𝐜𝐚𝐭𝐢𝐨𝐧, 𝐥𝐞𝐭’𝐬 𝐜𝐡𝐚𝐭. Suha and our team would be honored to design a custom AI training workshop that meets your producers where they are, builds their confidence, and helps take you and your team to the next level. Send Suha a DM or comment “Next Frontier” and we will be happy to share the details. #SuhaBeidasZehl #GoBeyond #PracticalAITraining #AIWorkshop Z Technology Solutions

𝙄 𝙙𝙞𝙙𝙣'𝙩 𝙠𝙣𝙤𝙬 𝙄 𝙘𝙤𝙪𝙡𝙙 𝙙𝙤 𝙩𝙝𝙖𝙩 𝙬𝙞𝙩𝙝 𝘼𝙄 😲 Yes, that is an actual quote from one of the attendees of the in-person AI educational and training workshop that was held in Charleston, South Carolina yesterday 💯 This event (the first in a series) was hosted by none other than Philip Crescenzo Jr and Nation One Mortgage. We had more than 70 real estate agents, builders, and loan officers in the room; and I honestly loved witnessing all their "aha moments" and hearing other things like: * "I wish I had known this 6 months ago" * "OMG, this is going to save me so much time" * "Wow, Suha, my mind is blown that AI can help me do that" Yes, these are also actual quotes from those in the room yesterday 💥 𝐄𝐦𝐩𝐨𝐰𝐞𝐫𝐦𝐞𝐧𝐭 𝐜𝐨𝐦𝐞𝐬 𝐟𝐫𝐨𝐦 𝐤𝐧𝐨𝐰𝐥𝐞𝐝𝐠𝐞; 𝐚𝐧𝐝 𝐢𝐧 𝐭𝐡𝐢𝐬 𝐟𝐚𝐬𝐭-𝐞𝐯𝐨𝐥𝐯𝐢𝐧𝐠 𝐀𝐈 𝐰𝐨𝐫𝐥𝐝, 𝐈 𝐟𝐢𝐫𝐦𝐥𝐲 𝐛𝐞𝐥𝐢𝐞𝐯𝐞 𝐭𝐡𝐚𝐭 𝐬𝐭𝐚𝐫𝐭𝐬 𝐰𝐢𝐭𝐡 𝐞𝐝𝐮𝐜𝐚𝐭𝐢𝐨𝐧 𝐚𝐧𝐝 𝐭𝐫𝐚𝐢𝐧𝐢𝐧𝐠. I am truly humbled and honored that I could bring that to this incredible group. But we're not done yet! We are already planning the next event 🎉 Interested in attending one of our upcoming workshops? Go ahead and drop an "I'm interested" in the comments (or send me a DM) and let us know your location 👇🏼 You never know, the next stop on the #AIEducationTour may be your town 🤩 #SuhaBeidasZehl #DreamDareDo #CMB #EmpoweredWithAI Z Technology Solutions #TheZehlEffect #GoBeyond

#TBT What a night 🎉 I am still trying to process what went down last Thursday night. I remember arriving at North Carolina State University as a 16-year-old, sent halfway around the world by my parents as the civil war in Lebanon was intensifying and reaching on. I had never taken a computer science class before, but I was curious, hungry to learn, and (somehow!) I knew that was my future. Never in those early days did I imagine that, almost 40 years later, I would be standing there being inducted into #NCSU’s Computer Science Alumni Hall of Fame, the highest honor the university bestows on its CS graduates. And to realize that this honor has only been bestowed on 65 out of over 11,000 CS alumni... I have no words 🙏 This recognition means more to me than I can ever express, but I also know that it is not just about me. Not at all... It is about the community that lifted and believed in me throughout this journey - even when I didn't believe in myself: my parents, Mamduha (RIP 🙏🏼) and Salah, my brother Samer and cousin Mo (my first housemates), my husband Stephen and our two sons, Jay and Nicholas, and everyone here at #NCState, especially Dr. Jo Perry, my first CS professor who would not let me quit. And of course, huge thanks to Ken Tate for nominating me and Leslie Rand-Pickett, M.Ed., CMCS for all her assistance leading up to last Thursday night. I am deeply honored to celebrate alongside fellow inductees Andrew Beam and Erkang Zheng, and Rising Stars Denae Ford Robinson, Ph.D., and Nithyananthan Poosamani. Being part of this distinguished group is such an honor and privilege. It reminds me that our journey never ends, that we are always learning, growing, and finding new ways to make an impact. This recognition inspires me to keep pushing forward, to help open doors for those who follow, and to contribute to a legacy that lasts longer than any of us. https://lnkd.in/eVRa9eAV “Think and Do the Extraordinary.” NC State Alumni Association NC State College of Engineering #SuhaBeidasZehl #DreamDareDo #CMB #HallOfFame Z Technology Solutions #TheZehlEffect #GoBeyond International College

Time to let the cat out of the bag 😻 🛍️ We've kept this under wraps for a couple of months, but now it's time!! I am thrilled and excited to share that the next book under the Rethink Everything brand is currently in the works ✍🏼🔥💥 🎉 Rethink Everything You Know About... #Mentorship 🎉 If you know me, you know how passionate I am about this particular topic; and I am so grateful to have a stellar group of contributors who were willing to jump in and help write this book ⭐🌟✨ 🤩 Alicia Goncalves, CMB® 🤩 Andrew DeGood 🤩 Ashley Puckett, CMB®, AMP 🤩 Becky Hale 🤩 Blake Boss 🤩 Bri Larson 🤩 Christina Grenga 🤩 Coby Hakalir 🤩 David Upbin 🤩 Heather Anne Arato 🤩 Kate Gurevich 🤩 Larry Silver 🤩 Matthew Gallant • CMP, CCL 🤩 Meg Bennett, CMB®, AMP 🤩 Shyla Newton, CMB, AMP 🤩 Thank you Kyle Draper💡and the entire #RethinkEverything team for your trust and for helping us make 𝐓𝐡𝐞 𝐆𝐨𝐥𝐝𝐞𝐧 𝐁𝐨𝐨𝐤 happen 💛 @Rey Pepito @Hannah Arsenio Shhh 🤫 We do have a couple of surprises in this book and we cannot wait to share them with you!! Stay tuned ⌛ #SuhaBeidasZehl #DreamDareDo #CMB #REYKAM #TheGoldenBook Z Technology Solutions #TheZehlEffect #GoBeyond

MondAI Minute #24 𝐓𝐡𝐞 𝐑𝐞𝐚𝐥 𝐀𝐈 𝐋𝐞𝐚𝐝𝐞𝐫𝐬𝐡𝐢𝐩 𝐒𝐮𝐩𝐞𝐫𝐩𝐨𝐰𝐞𝐫? The leaders who will thrive in the next decade won’t just 𝙪𝙨𝙚 AI, they’ll 𝙪𝙣𝙙𝙚𝙧𝙨𝙩𝙖𝙣𝙙 it. They’ll know what it can do, what it can’t, and, most importantly, how to use it to strengthen their strategy. In an era defined by urgency, unpredictability, and accelerating change, the real differentiator isn’t how many answers you have. No, it’s how good your questions are. And 𝐭𝐡𝐚𝐭, my friends, is the real AI (or any!) leadership superpower: asking the right questions 🔥 I recently read the Harvard Business Review article, 𝘛𝘩𝘦 𝘈𝘳𝘵 𝘰𝘧 𝘈𝘴𝘬𝘪𝘯𝘨 𝘚𝘮𝘢𝘳𝘵𝘦𝘳 𝘘𝘶𝘦𝘴𝘵𝘪𝘰𝘯𝘴, which explores how better questions drive sharper thinking and stronger decision-making. And you know what? These same principles apply powerfully to leadership in the age of AI. So, in this week’s installment of MondAI Minute, let’s take a deeper dive together into asking the right questions that elevate your decision-making and sharpen your strategy. Drumroll please 🥁 Here are five types of questions every modern leader should master: 1. Investigative: What’s Known? Start with clarity. Define your purpose, your desired outcome, and what you still need to learn. Great decisions begin with great discovery. 2. Speculative: What If? Challenge the status quo. Question all assumptions. Reframe the problem and explore possibilities beyond the obvious. Curiosity fuels innovation. 3. Productive: Now What? Move from insight to action. Assess your talent, capabilities, and timing. Strategy without execution is just wishful thinking. 4. Interpretive: So What? Dig deeper. Push beyond surface observations to uncover meaning and impact. Context is where insight lives. 5. Subjective: What’s Unsaid? Listen for the silences. Hidden tensions, unspoken fears, or competing agendas often shape outcomes more than data ever could. In the age of AI, forget about having all the answers. Instead, focus on knowing which questions unlock the next layer of insight. And wherever you are in your AI journey, if you need help, reach out. I’d be honored to help! #SuhaBeidasZehl #DreamDareDo #CMB #MondAIMinute #AILeadershipSuperpower Z Technology Solutions #TheZehlEffect #GoBeyond