Episode 18 - The Last Question (Season 1 Finale) Artwork

What the M

Do you ever wonder who is behind the scenes collecting and processing all those monthly mortgage payments throughout the entire country? In the world of residential mortgages, the mortgage servicing industry is a critical but not always visible player in the lending and home ownership process. Unveiling how mortgage servicers manage the residential homeownership industry is the concept behind “What the M,” a new podcast that discusses the complex issues facing default services and the path forward for the mortgage industry and homeowners alike. The industry is comprised of more than 160 mortgage servicers representing more than 80% of the outstanding principal balances on mortgages in the U.S. Without the involvement of these vital mortgage servicers, obtaining and maintaining a home mortgage as we know it would not exist.“‘What the M’ features industry movers and shakers discussing the challenges faced by mortgage servicers, law firms and the American homeowner,” said Stephen Hladik, one of the co-hosts for the podcast and chair of the Advisory Council of the Legal League 100. “We will discuss trends in the economy, regulatory oversight, changes in the law, changes in technology and a myriad of other factors affecting the industry.”Hladik and co-host Kent McPhail are experienced attorneys with multistate practices in the default servicing industry. Both have decades of experience representing secured creditors; however, each host brings his own unique perspective to the podcast. McPhail hails from the Deep South (think boiled peanuts and shrimp & grits), while Hladik hails from the Northeast (think cheesesteaks and scrapple). “With this Yin and Yang, we hope to bring an entertaining and informative approach to the industry and those who make it hum,” McPhail said.Episodes of “What the M” begin airing mid-September and can be found wherever you listen to podcasts.

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What the M

Episode 18 - The Last Question (Season 1 Finale)

May 25, 2023 • Kent D. McPhail and Stephen M. Hladik • Season 1 • Episode 18

Welcome to the season finale of What the M! You won’t want to miss this episode.

Since the podcast began in September 2022, Kent and Steve have interviewed amazing, thoughtful, and brilliant guests. Every season 1 guest has been uniquely qualified to speak about different aspects of the default servicing industry, and has provided valuable information to What the M’s listeners. Each guest is unique, but they all have one thing in common: they all got to answer “The Last Question.”

At the end of each episode, Kent and Steve ask their guest: “If you could go back in time and talk with the 20-year-old version of yourself, what advice would you give that young man/woman?” The answers were so fascinating, funny, and unpredictable, we decided there was no better way to close out the season than with a compilation of the collective wisdom of these responses!

We hope you enjoy this season finale of our first season of What the M as much as we did. Season 2 of What the M will air in September, so stay tuned!

If you enjoy listening to What the M, please rate, review and subscribe wherever you listen to podcasts.

If you are interested in appearing on What the M, or have an idea for an episode, you can contact us on Facebook, Twitter, or Instagram.

What the M is hosted by Kent McPhail and Stephen Hladik. Production and editing by Sarah Noel Sheffield.

People on this episode

Kent D. McPhail

Co-host

Stephen M. Hladik

Co-host