There is speculation that the mortgage industry is about to see some significant changes. Trump’s proposals for tax cuts and government spending could lead to a larger deficit, which could improve economic growth. As the economy grows, so do interest rates. The privatization of Freddie Mac and Fannie Mae is now a possibility and analyst believe that, under the Trump administration, lending standards may become laxer, thus opening credit to more borrowers. Joining the podcast to discuss potential disruptive change and opportunities in the mortgage industry is Tom Showalter. Tom is CEO of Credit Sciences, a custom analytics and database development firm. Prior to Credit Sciences, Mr. Showalter was the Chief Analytics Officer of Digital Risk LLC and the President of Digital Risk Analytics, LLC, a subsidiary of Digital Risk. Tom is the holder of three patents and the author of numerous technical papers.