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Podcast - Keys to Real Estate

Keys to Real Estate

NEW EPISODE: Season 3 Episode 16
AI Is Not Your Strategy: Real Talk About Risk and ROI – Ryan Ozonian & Adam Schlesigner

Artificial intelligence (AI) may be reshaping how we approach real estate finance and title insurance, but does that mean professionals in this industry can just set it and forget it? MyHome (a WFG Company) Senior Director of Innovation and AI Ryan Ozonian and First American Data & Analytics Vice President of Product Underwriting Adam Schlesinger took the stage at October Research’s 2026 National Settlement Services Summit (NS3) in Kansas City to discuss how organizations should be incorporating AI adoption strategically, starting with targeted use cases, experimenting responsibly and establishing governance frameworks before scaling investments. The discussed with OR Chief Knowledge Officer Mary Schuster the importance of building cross-functional teams that combine technology, operations, compliance and business expertise to ensure successful implementation while keeping ethical and regulatory considerations front and center.

Chapters:
2:00 - Industry outlook on AI's future impact
4:13 - The importance of tangible AI application development
6:39 - Material changes AI will bring to title and settlement workflows
8:22 - Customer experience improvements through AI-driven transparency
9:58 - Pace of AI evolution and managing hype cycles
14:36 - Prioritizing AI investments and internal team building
17:57 - Recognizing wasted AI investments and trial pitfalls
20:54 - Regulatory considerations and governance in AI deployment
24:08 - Accountability and liability when using AI tools
27:45 - Building internal AI expertise versus relying on vendors
30:20 - Addressing industry talent gaps with AI and automation

 

Get In Touch…

Host email: [email protected]

To find more episodes of “Keys to Real Estate” or learn more about October Research – the nation’s leading independent provider of market intelligence, industry news, expert analysis and regulatory information for professionals in the real estate, title, financial and settlement services industries – visit https://www.octoberresearch.com.

Episode sponsored by First American Trust – https://www.firstamtrust.com

Episode produced by October Research – https://www.octoberresearch.com

 


Checkout the latest episodes...

  • AI Is Not Your Strategy: Real Talk About Risk and ROI - Ryan Ozonian & Adam Schlesigner | S3E16

    AI Is Not Your Strategy: Real Talk About Risk and ROI - Ryan Ozonian & Adam Schlesigner | S3E16

  • The Future of Trust in an AI World - Eva Velasquez | S3E15

    The Future of Trust in an AI World - Eva Velasquez | S3E15

  • The Psychology of Modern Fraud - Eva Velasquez | S3E14

    The Psychology of Modern Fraud - Eva Velasquez | S3E14

  • Are Title Agencies Underinsured Against Today’s Threats? - Casey Withers | S3E13

    Are Title Agencies Underinsured Against Today’s Threats? - Casey Withers | S3E13

  • Inside TIAC: How the Title Industry Built Its Own Insurance Company - Casey Withers | S3E12

    Inside TIAC: How the Title Industry Built Its Own Insurance Company - Casey Withers | S3E12

  • The One Habit That Could Stop Most Attacks - Matt Lee | S3E11

    The One Habit That Could Stop Most Attacks - Matt Lee | S3E11

  • The Economics of Cybercrime - and Why It’s Winning - Matt Lee | S3E10

    The Economics of Cybercrime - and Why It’s Winning - Matt Lee | S3E10

  • Building What the Industry Needs - John Freyer, Jr. | S3E9

    Building What the Industry Needs - John Freyer, Jr. | S3E9

  • When Pressure Becomes Opportunity - John Freyer, Jr. | S3E8

    When Pressure Becomes Opportunity - John Freyer, Jr. | S3E8

  • Where Housing Policy Meets Reality - Kevin Cameron | S3E7

    Where Housing Policy Meets Reality - Kevin Cameron | S3E7

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About the Keys to Real Estate podcast
For an exclusive look into business-critical information and key topics central to thriving under the ever-changing demands placed on real estate businesses today, tune into the October Research Keys to Real Estate podcast. This industry-centric podcast hosted by October Research Chief Knowledge Officer Mary Schuster features in-depth conversations for anyone interested in deepening their understanding of the real estate ecosystem. The podcast series is available for streaming 24/7 at the time and place of your choosing.

Take education into your own hands (and ears) with our long-form conversations featuring today’s newsmakers and thought-leaders.

Thanks to First American Trust for being the presenting sponsor for season 3 of the Keys to Real Estate podcast.

Don't miss an episode!
Follow Keys to Real Estate on your favorite podcast platform.


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12 USC Section 2605 or Section 6 is titled Servicing of mortgage loans and administration of escrow accounts. It pertains to qualified written requests, notices of transfer of servicing and the administration of escrow accounts.
An arrangement that involves a person who is in a position to refer business as part of a real estate settlement service and who has an interest in a settlement services provider.

In the arrangement, the person, who has either an affiliate relationship with or a direct or beneficial ownership interest of more than one percent in a settlement services provider, directly or indirectly refers business to that provider or influences a consumer to select that provider.
An arrangement that involves a person who is in a position to refer business as part of a real estate settlement service and who has an interest in a settlement services provider.

In the arrangement, the person, who has either an affiliate relationship with or a direct or beneficial ownership interest of more than one percent in a settlement services provider, directly or indirectly refers business to that provider or influences a consumer to select that provider.
A mortgage disclosure that lists all estimated charges and fees associated with your loan. In addition to fees and charges, it will list your loan amount, mortgage rate, loan term and estimated monthly payment. Your escrows due at closing for insurance and taxes will also be outlined. Mortgage lenders are legally required to provide a GFE within three days of receiving your application.
A mortgage disclosure that lists all estimated charges and fees associated with your loan. In addition to fees and charges, it will list your loan amount, mortgage rate, loan term and estimated monthly payment. Your escrows due at closing for insurance and taxes will also be outlined. Mortgage lenders are legally required to provide a GFE within three days of receiving your application.
Under RESPA Section 2605(e)(1)(B), a qualified written request is a written correspondence that includes: 1) the name and account of the borrower, or has enough information to allow the servicer identify that information; and 2) a statement of the reasons for the belief of the borrower that the account is in error or provides sufficient detail to the servicer regarding other information sought by the borrower.

A QWR cannot be written on a payment coupon or other payment medium supplied by the servicer.
Under RESPA Section 2605(e)(1)(B), a qualified written request is a written correspondence that includes: 1) the name and account of the borrower, or has enough information to allow the servicer identify that information; and 2) a statement of the reasons for the belief of the borrower that the account is in error or provides sufficient detail to the servicer regarding other information sought by the borrower.

A QWR cannot be written on a payment coupon or other payment medium supplied by the servicer.
12 USC Section 2609 or Section 10 is titled Limitation on requirement of advance deposits in escrow accounts. It governs escrow accounts including notifications and statements to borrowers. Section 10 also sets out penalties for those who violate the section.
RESPA Section 3 provides that a thing of value includes any payment, advance, funds, loan, service or other consideration

Regulation X says thing of value includes: monies, things, discounts, salaries, commissions, fees, duplicate payments of a charge, stock, dividends, distributions of partnership profits, franchise royalties, credits representing monies that may be paid at a future date, the opportunity to participate in a money-making program, retained or increased earnings, increased equity in a parent or subsidiary entity, special bank deposits or accounts, special or unusual banking terms, services of all types at special or free rates, sales or rentals at special prices or rates, lease or rental payments based in whole or in part on the amount of business referred, trips and payment of another person’s expenses or reduction in credit against an existing obligation.
A form used by a settlement or closing agent itemizing all charges imposed on a borrower and seller in a real estate transaction. This form represents the closing transaction and provides each party with a complete list of incoming and outgoing funds. RESPA requires the HUD-1 to be used as the standard real estate settlement form in all transactions in the U.S. involving federally related mortgage loans.
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