GA REALCAST with Maura Neill


GARealcast: The CARES Act and Mortgage Forbearance - What You Need to Know to Help Your Clients

Season 1, Ep. 18

Today’s episode focuses on another timely and much-discussed topic – one that I’m sure you’ve been hearing and reading about in the media, on the news, on social media, and perhaps even in your conversations in office sales meetings and with your clients. We’re talking about mortgage forbearance in the time of COVID-19, and we're seeking to separate myth from fact.

A very real consequence of the Sheltering-in-Place and quarantining across the country has been a financial one. With mandatory shut-down of businesses and essential vs. not essential classifications, as well as unemployment and furloughs, comes financial strain, and for homeowners that can mean the inability to pay their mortgage. The CARES Act has put some very specific provisions in place regarding mortgage forbearance, and here to talk with us today are Susan Stewart, CEO of SWBC Mortgage Corporation and Chair-Elect of the Mortgage Banker's Association, as well as Georgia’s own Rebecca King, loan officer and branch manager of the Blairsville, Georgia, SWBC Mortgage Corp location.

Does Fannie Mae or Freddie Mac Own Your Client's Mortgage?

-- Look Up Your Fannie Mae Mortgage:

-- Look Up Your Freddie Mac Mortgage:

NAR's Coronavirus Resources for Property Owners:

-- Printable Version of the Above For Your Clients:

NAR's Coronavirus Mortgage & Personal Finance FAQs:

NAR's Coronavirus Provisions for REALTORS® and Their Consumers: (printable)

CFPB: CARES Act Mortgage Forbearance - What You Need to Know:

REALTOR® Magazine: "As Forbearances Requests Rise, NAR Dispels Myths:

SUSAN STEWART: Susan Stewart is the Chairman-Elect of the MBA and Chief Executive Officer of SWBC Mortgage headquartered in San Antonio, TX. Stewart’s visionary leadership has been the catalyst behind the company growing from 3 employees serving the Texas market to more than 650 employees in over 70 branch locations. Under her unwavering focus, SWBC Mortgage has grown from a small regional broker to a national industry leader, providing a full-service origination-to-servicing experience for borrowers in 43 states. Stewart leads a team that leverages cutting- edge technology, delivering industry-leading speed and service while providing a personal, experienced touch to the dream of home ownership.

Stewart currently serves as a member of the MBA’s Board of Directors and is past Vice Chair of the MBA’s Residential Board of Governors (RESBOG). She and SWBC Mortgage are committed to making the communities they serve brighter, more hope-filled places, and to that end she serves on the board of the MBA Opens Doors Foundation. Both Stewart and SWBC Mortgage have been recognized personally and corporately as Guardian level donors to the Opens Doors Foundation. 

REBECCA KING: My career in Banking led me to work with banks both large and small local banks in Management, Commercial and Retail lending. I was serving as Senior Vice President and City Executive for Bank of Hiawassee in 2008 -2014. After the downturn, I chose to leave traditional banking and focus on mortgage lending – which had always been my true passion – helping people obtain the dream of homeownership.  I joined Corridor Mortgage group in 2014 opening a branch in Blairsville. Corridor joined with SWBC mortgage in October 2018 – a move that has given us many more products and the capability to better serve our clients and REALTOR® partners.

Rebecca can be reached at 706.487.8003 (office) via email at and also online at

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GARealcast: Post-Pandemic Real Estate with Kenneth Jenny

Season 1, Ep. 16
"Change is the way to realize opportunity," --Kenneth JennyREALTOR® friends and colleagues: I have a few questions for you. Have you made some changes to your business in the last few weeks, in response to COVID-19? In response to the pandemic, to self-quarantine, to shelter in place -- to keep yourself and your clients safe? Have those changes and the circumstances causing them made you think about your business differently? Have you begun considering which changes are temporary and which may be less fleeting? And which may actually make more sense in a more permanent sense?That’s what my conversation is about today with Kenneth Jenny -- Managing Director and CEO of tranCen, a consulting company which offers unique strategic business solutions for companies focused on the residential real estate industry. With clients like Zillow Group, MoxiWorks, OpCity, Trulia,, PRIMEDIA Inc, LendingTree and the list goes on, it may seem like a conversation with tranCen’s CEO may not be accessible or applicable to an everyday practitioner, but I disagree. A former REALTOR® himself and now one of real estate's foremost trend-predictors, Ken is the perfect person with which to have this particular chat.HEY! What's that song Ken talks about and titled his blog post after? Here it is: "Defying Gravity" from Wicked - Idina Menzel and Kristin Chenoweth(Ken refers to this song, so as promised, here's a link): to "Defying Gravity" from Wicked: also reference Ken's blog a few times during this episode. To read more, you can access it, here: (and I highly recommend it -- quite good reading!).KENNETH JENNY: Ken Jenny is an expert in the residential real estate brokerage industry and real estate marketing. Ken is a proven leader and management professional with over 38 years of progressive and diversified experience in the residential real estate industry. From sales agent to corporate executive to visionary, Ken has viewed residential real estate from nearly every strategic vantage point. Real estate firms, media companies, portals and technology companies worldwide have utilized his expertise, strategies and innovations to address the constant challenge of change facing the residential real estate brokerage industry.You can learn more about Ken, here:

GARealcast: Leading in Trying Times with Colin Mullane

Season 1, Ep. 15
I hope you are doing well and finding new ways of thriving -- not just merely surviving -- through these days of working from home and adjusting to a new normal. If you are a Georgia REALTOR® listening to this podcast, I hope you have been watching the weekly video updates from our President, Faron W, King, during which he is providing valuable information and messages of support and encouragement to our members. Our GAR Leadership -- along with our fantastic staff led by our CEO Deb Junkin -- have been working tirelessly behind the scenes to keep us up-to-date on the important issues facing REALTORS® during these strange times we’re living in, as well as to provide online education and resources for REALTORS® all across the state.That’s what today’s episode is all about: Leading -- and Leadership -- in Trying Times. My guest today is my good friend, REALTOR® Colin Mullane, from Southwest Oregon. Colin has served in a variety of leadership roles at all levels -- local, state, and national. He and I often have conversations -- just like this one -- and so he seemed like a natural fit to sit down for a chat “on the record” so to speak.However, this episode isn’t just for “the leaders” -- or more specifically, it’s not just for those that the average person might identify as a leader. It’s not just for those elected or appointed to a traditional leadership position. Colin and I wanted to discuss a topic that we have regularly batted around in our casual conversations -- at convention, sitting at the bar, late night over a beer. What is leadership? Who are the leaders? What makes a leader? How do we spot them? How do we train them and bring them up? How do we lead and encourage others to do the same? And so important right now: how do we lead in trying times? And even more importantly, what do leaders do to prepare?COLIN MULLANE: Colin Mullane is a Broker/Owner of a small brokerage, Full Circle Real Estate in Ashland Oregon. Licensed since 2000, Colin has been a top producer in his market from the outset. He immigrated from Ireland in 1997, worked for 4 years in the service industry before getting into real estate. Colin is a strong believer in the profession of real estate being a cornerstone of the American Dream and has been thankful for the many opportunities it has provided him and his family. Colin is a past President for his local MLS, State President for the Oregon Association of REALTORS®, a graduate of the National Association of REALTORS® Leadership Academy, Past Regional Vice President for the National Association of REALTORS® and past Liason for Global Committees at NAR. Balancing a busy career, family life and his volunteer leadership roles makes for a full schedule, but one he relishes. A firm believer in ensuring REALTORS® and Brokers are surrounded with the best resources possible to stay relevant and thrive in todays market. Colin is also a big advocate for the work NAR does on behalf of consumers and real estate professionals everywhere, taking on the toughest issues so we can all do what we do, running our businesses. 

GARealcast: Pandemic Unemployment Assistance with Commissioner Mark Butler

Season 1, Ep. 14
I am joined today on Georgia REALTORS REALcast by Georgia's Labor Commissioner Mark Butler for an in-depth discussion of the Pandemic Unemployment Assistance (PUA) benefits, which are unemployment benefits that are now available to those who are not ordinarily eligible, including individuals who are self-employed, gig workers, 1099 independent contractors, employees of churches, employees of non-profits, or those with limited work history who do not qualify for state unemployment benefits. Commission Butler helps us to separate myth from fact about the PUA program, as well as clarify the eligibility and the application process. Thank you to Commissioner Butler for his generous sharing of his time during this time!Information on Pandemic Unemployment Assistance (PUA) page on the Georgia Department of Labor website: the Georgia REALTORS® COVID-19 Resource Page, here: the Georgia REALTORS® Best Practices Guide, here: MARK BUTLER: Mark Butler became Georgia’s first Republican Commissioner of Labor on January 10, 2011. Commissioner Butler’s continuing goal is to create valuable workforce solutions through strategic alliances and community relationships. Butler has developed several new programs that have strengthened the Labor Department’s relationships between employers, job seekers, and Georgia’s future workforce.In 2013, Butler created the Business Services Unit which helps businesses streamline the hiring process by creating job descriptions and recruiting job seekers. Staffed with experts in the field of recruiting, applicants are screened and referred to the company based upon their qualifications. As a former business owner, Butler understands the benefits of government agencies partnering with businesses to encourage economic growth.Strongly believing that a prepared workforce is key to Georgia’s economic future, Butler has also incorporated a first of its kind program, GeorgiaBEST. GeorgiaBEST began as a high school based certificate program to help students become “work ready” based on their understanding of soft skills and vital work habits. GeorgiaBEST has become so successful that the Georgia Department of Labor has recently expanded the program to include GeorgiaBEST@School (Pre-K through Post-Secondary), GeorgiaBEST@Work, and GeorgiaBEST@Home.A native of Carrollton, Georgia, Butler graduated from Auburn University with a degree in Public Administration. Commissioner Butler and his family are members of Tabernacle Baptist Church in Carrollton.