In this powerhouse episode of The MikedUp Show, we dive deep into the evolving world of capital markets with none other than Jennifer McGuinness-Lubbert — a 25+ year mortgage banking veteran and the CEO of Pivot Financial. Jennifer doesn’t just adapt to change — she builds for it.
This episode is a must-listen for any independent mortgage banker, originator, or lender looking to play offense in today’s market. Jennifer lays out what it really takes to win — not just survive — in an environment where rates fluctuate, margins tighten, and capital access is more complex than ever.
From her early days in structured finance to launching game-changing platforms at Mortgage Venture Partners, Invigorate Finance, and now Pivot, Jennifer brings unmatched insight into:
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The current and future state of the capital markets
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The power of non-agency and business purpose lending
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How to drive revenue when rates aren't in your favor
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Why every lender needs a plan to keep the revenue they earn
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Breach of representation & warranty defense
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The importance of having a partner who can optimize your performance, not just sell you a product
“Lenders need to know how to keep the revenue they earn. It’s not just about origination anymore. It's about managing risk and unlocking new channels.”
With rich analogies and actionable insights, Jennifer reframes how mortgage pros should think about growth, protection, and transformation. She also shares Pivot’s dual role as both an aggregator and an asset manager—making her uniquely qualified to help lenders build smarter and protect better.
You’ll walk away with a clearer understanding of:
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How to pivot toward sustainable profitability
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The one question every lender should ask before making their next move
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What truly differentiates a value-add service provider from a commodity player
Whether you're new to lending or decades in, this episode is a compass for what's next.
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