BREAKOUT SESSION: Government Lending and Securitization Outlook

Executive Vice President, Freedom Mortgage Corporation

Greg Middleman serves as an Executive Vice President of Freedom Mortgage, one of the largest and fastest growing independent mortgage companies in the country. He oversees the Correspondent Lending Channel. Prior to leading the Correspondent Lending Channel, Greg oversaw Pricing, counterparty risk, and the Freedom Mortgage Exchange Platform, which connects MSR sellers with buyers on an easy to navigate portal and has topped $4.5 billion per month UPB, in terms of total loans. Before that, Greg stood up a technology company called Xpanse, which built platforms that Freedom Mortgage and several companies in the mortgage industry use to enhance operations. He continues to oversee Xpanse’s operations. Prior to joining Freedom Mortgage in 2020, Greg worked at Ernst and Young on the Structured Finance team. Earlier this year, Greg was recognized with HousingWire’s Finance Leader Award and last year he received HousingWire’s Rising Stars Award, recognizing the brightest and most accomplished leaders under 40.

Deputy Director, Policy, U.S. Department of Veterans Affairs

Michelle C. Corridon began serving as Deputy Director of Policy on March 13, 2023. She is responsible for all aspects of the Loan Guaranty Service including staffing, eligibility, origination, valuation, servicing, bond sales, specially adapted housing, direct loans, oversight and monitoring, data and analysis, technology, budget, policy, and day-to-day operations. Ms. Corridon previously worked at the United States Department of Agriculture (USDA) as the Director of USDA Rural Housing Service’s Originations and Processing Division. In her role as Director, she led a nationwide team of high-performing employees delivering the $24 billion-dollar loan guarantee program. Prior to that, she served as Deputy Director of the Single-Family Housing Guaranteed Loan Program (SFHGLP) leading high-impact policy and procedure implementation along with process improvement, stakeholder engagement, budgeting, and human resources. She served as a Senior Policy Analyst at the Federal Housing Finance Agency in the Office of Housing and Regulatory Policy from 2012 to 2015 where she focused on project and program management. From 2008 to 2012, she was a Rural Housing Service loan specialist concentrating on lender eligibility, compliance, and program risk management. She began her career at the Farmers Home Administration originating and servicing single-family housing and farm loans.

Deputy Assistant Secretary, Office of Single-Family Housing, Federal Housing Administration, U.S. Department of Housing and Urban Development

Sarah Edelman serves as the Deputy Assistant Secretary (DAS) for the Office of Single-Family Housing (OSFH) within the Department of Housing and Urban Development’s Office of Housing. In this role, Sarah is responsible for overseeing the Federal Housing Administration’s (FHA) insurance-in-force portfolio of more than eight million loans with an unpaid principal balance of more than $1.3 trillion. Additionally, she is responsible for managing all aspects of FHA’s single family housing operations including origination and servicing policy, information technology strategy, quality control and lender enforcement, and institutional risk management. In this role, Sarah is also responsible for the management oversight of more than 700 employees. Immediately prior to assuming the role of the OSFH DAS, Sarah served as the senior director of Environmental and Social Impact and directed the Duty to Serve affordable initiatives at Fannie Mae. Prior to that, she worked in Housing Policy at the Center for American Progress for five years, served as a research fellow in the office of Senator Sherrod Brown, and was a graduate fellow at the Federal Deposit Insurance Corporation. Sarah was also both a Peace Corps and an AmeriCorps Vista volunteer. Sarah holds a bachelor’s degree in history from The George Washington University in Washington, DC, and a master’s degree in public administration from the University of Maryland, College Park, MD.

Executive Director, Single-Family Housing Guaranteed Loan Program, USDA Rural Development

Ms. Ingrid Ripley has over 37 years wide-ranging experience in performance management, strategic planning, loan administration, risk management and primary/secondary financial service markets operations for both public and private sectors. Ingrid is recognized for her expertise executing multi-million-dollar multifaceted contracts delivering transformative technology lending platforms for portfolios of over a $240 billion. She started in the civil servant career with the Government National Mortgage Association and then worked at Small Business Administration in various roles managing programs and leading many initiatives. As the Executive Director for Single-Family Housing Guaranteed Loan Program (SFHGLP) she directs a guaranteed portfolio of $114B and a staff of 204. She has also extensive experience leading many reorganizations and initiatives for other departments in Rural Development and USDA.