CREF TRACK: New Tax Rules Ahead – Impacts on SF & CRE Mortgage Banking
This session delivers essential tax insights to help Single-Family and Commercial Real Estate mortgage banking executives strengthen their company’s tax position and make smarter financial decisions. Experts break down the key provisions of the 2025 tax legislation and analyze their implications for the industry. Attendees also gain practical year-end planning strategies—covering state tax considerations, the tax impact of remote work, and other critical factors shaping 2026 financial outcomes.
Speakers
Moderator
Kristine has provided tax planning and compliance services to financial services companies for more than 20 years. She is at the forefront of tax issues and strategies for our firm's largest Financial Services entities, and she regularly speaks with management teams and boards to coach them in understanding and accounting for the tax impacts of various business plans. Her experience includes research and planning, and developing various tax planning strategies for corporations, partnerships, and limited liability corporations. In addition, she has expertise in tax accounting for mergers and acquisitions, Section 382 consulting, and representation of taxpayers before the IRS and state taxing agencies.
Speakers
Jeff Borghino is a principal in the corporate tax group of Grant Thornton’s Washington National Tax Office in Washington, D.C. His areas of expertise include analyzing the tax consequences related to mergers, acquisitions, divestitures, restructuring, bankruptcies, shareholder tax issues, consolidated tax returns, recapitalizations, debt instruments, hedging transactions, and derivatives. Prior to joining the Washington National Tax Office, Borghino worked in Grant Thornton’s San Francisco office as part of the federal tax group.
Tatsiana Chubatyy is a seasoned tax professional with over 15 years of experience in public accounting, specializing in mortgage banking taxation, multistate compliance, and tax advisory services for high-net-worth individuals. As Tax Manager at Cathedral CPAs and Advisors, she has been a key part of the firm for more than seven years, advising clients across the mortgage and financial services sectors. Tatsiana is committed to helping mortgage institutions stay compliant and future-ready and is recognized for her ability to clearly communicate complex tax issues and offer tailored, strategic guidance, in addition to her client-facing responsibilities, Tatsiana plays a supervisory role in staff development and training.
Jared Frost is a tax partner and leads Richey May’s Mortgage Banking Tax Practice. He has managed relationships with clients in various industries, including mortgage banking, real estate, wholesale, retail and professional services. He currently specializes in providing tax compliance and consulting services to privately held mortgage banking companies throughout the country. Jared helps clients understand the tax opportunities and consequences that arise from their business decisions. Previously, he worked at KPMG, LLP. Jared grew up in Los Angeles, but now resides in Parker, Colorado with his wife, Holly, and their seven children.
Brian Howe, CPA, joined Plante Moran in 2003 and is based in the firm’s Grand Rapids, Mich., office. He is the firm’s financial institutions tax practice leader and the state and local tax leader for the greater Michigan region. Howe specializes in minimizing state and local tax exposure and maximizing state tax savings opportunities.
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