Laugh, Lend and Eat

What Gen Z Wants from Us: A Conversation with Raquel Boras

For the final episode of Season 6, we close out an incredible year with someone who has always brought her own rhythm, truth, and energy to the show—Raquel Boras [https://www.linkedin.com/in/raquel-borras/]. No longer in the mortgage industry yet more impactful than ever, Raquel steps in with a message that directly challenges how we connect, communicate, and lead. This episode centers around one powerful question: What does Gen Z really want from us? From her upcoming documentary "I Hear You Gen Z" to her experiences traveling across 13 states in an RV, Raquel shares a raw and revealing look into what young people are thinking, feeling, and expecting from the adults in their lives—and why so many professionals are missing the mark. It’s the perfect way to end a season focused on adaptation, authenticity, and leadership. Standout Moments * A Gen Z teen telling Raquel: “Stop posting brain rot. We want real advice.” * The emotional weight of watching early cuts of her documentary. * Stories from her cross-country RV journey filming nearly 30 young adults. * The reminder that authenticity is the actual brand * Humor around honey diets, RV life, and who still does Gen X dance moves. About Raquel Boras Raquel is a storyteller, mentor, and filmmaker helping bridge the gap between generations. Her documentary I Hear You Gen Z explores what young people truly think—and what they want from the adults around them. Formerly in the mortgage space, she now leads with creativity, heart, and a commitment to authentic voices. Final Reflection If this season has taught us anything, it’s that leadership isn’t about knowing all the answers—it’s about connecting with the people who need us most. And as Raquel reminds us, Gen Z isn’t waiting for us to entertain them. They’re waiting for us to lead them. Season 6 ends with clarity, conviction, and a challenge: Be the adult they can trust. Be the voice they want to hear. See you in Season 7.

Foreclosure headlines look terrifying—but are they telling the truth?

In this breakdown, Fobby Naghmi and Justin Neal cut through the noise and unpack what the numbers actually say. We look at today’s foreclosure activity side-by-side with the peak of the housing crisis, revealing a very different—and far less frightening—story than the headlines suggest. Drawing from decades of front-line mortgage leadership and data trends, Fobby and Justin explain how foreclosure filings, delinquencies, and REO levels compare to historical norms. Their insight makes sense of the market pressure points without the hype, giving real estate pros the clarity they need to guide clients with confidence. If you want to understand the real trajectory of the housing market—not just the viral headlines—dive into the full conversation. You’ll walk away with perspective, data, and a grounded view you can use in your business today.

Kristin Messerli: How to Fix Losing Gen Z Homebuyers (Before It’s Too Late)

In this episode of Laugh, Lend & Eat, Fobby brings on one of the most respected voices in housing research, Kristin Messerli [https://www.kristinmesserli.com/], to tackle a problem the mortgage industry can’t afford to ignore: 👉 Loan officers are losing Gen Z homebuyers — fast. 👉 And most LOs don’t even realize it’s happening. Gen Z is the most educated, tech-native, socially connected generation in history — yet they’re also the most overwhelmed, distrustful, and financially anxious buyers the housing market has ever seen. Kristin breaks down exactly why Gen Z is walking away from traditional lenders, where they’re getting their information instead, and the specific strategies LOs must adopt right now to win these buyers back before it’s too late. This episode is a blueprint for any mortgage professional who wants to stay relevant in 2025 and beyond. Top Takeaways for Mortgage Pros: * Gen Z homebuyers trust individuals, not institutions. The days of automatic credibility are over. * Education only works when paired with emotional validation. * If buyers feel overwhelmed, they shut down. LOs must simplify, not complicate. * AI is now part of the homebuying journey. The smartest LOs integrate it. * Consistency outperforms charisma. Showing up regularly matters more than being perfect. * You can absolutely win Gen Z — but only if you adapt. About Our Guest — Kristin Messerli Kristin Messerli is a nationally recognized researcher and speaker specializing in consumer psychology, generational trends, and financial behavior. She is the author of the NextGen Homebuyer Report, founder of FirstHome IQ [https://www.firsthomeiq.com/], and a leading voice on the emotional and behavioral realities shaping today’s homebuyers.

50 Year Mortgage and Dual Licensed Real Estate Agents

In this segment, Fobby sits down with James Kleimann, Editor of the Mortgage Scoop [https://www.themortgagescoop.com/], to tackle two of the most talked-about trends shaking the mortgage industry right now. 👉 The 50-Year Mortgage: Real Solution or Just Noise? Everyone’s buzzing about it, but does a half-century loan actually fix affordability? Fobby and James break down: Who it might help (and who it won’t) * Why the idea exploded online * The implications for securitization and regulation * Why affordability can’t be solved by simply adding 20 more years to a loan * A sharp, straight-talk look at the reality behind the headline. 👉 Dual-Licensed Realtors: Innovation or Compliance Nightmare? James shares insights from his recent reporting on agents who are becoming both the Realtor and the LO. Together, they explore: * Why some companies are pushing this model * Whether agents can realistically handle both roles * The compliance risks no one is talking about * How compensation structures are being pitched * And whether this is the “future of lending” — or a shortcut with long-term consequences 🔥 Why This Conversation Matters Both topics reveal big shifts happening in the mortgage landscape. Fobby and James cut through the hype with clarity, humor, and real industry perspective. If you want the unfiltered truth about where the business is heading, you’ll want to hear this.

From 30 Steps to 3 Clicks: The Groves IQ Revolution

Mortgage innovator Aleyna Groves joins Fobby Naghmi to share how she’s reshaping operations through Groves IQ—a platform turning 30 steps into 3 clicks. From her early real estate lessons to building scalable systems and smarter AI integrations, Aleyna reveals what adaptability, leadership, and manifestation truly mean in today’s mortgage world. 00:00 – Opening Monologue & Season 6 Finale Intro 02:30 – Meet Aleyna Groves: From Broker to Builder 06:10 – How Groves IQ Was Born & the Problem It Solves 10:45 – Breaking the Hire–Fire Cycle with Smart Tech 15:20 – Integrations with LendingPad and UWM 19:00 – Where AI Belongs (and Where It Doesn’t) 23:15 – Mindset, Manifestation & Leadership Lessons 28:00 – What’s Next for Groves IQ and Final Thoughts “What you think, what you feel, what you say — you can make it happen. You’re your own creator, and you’re the only one who sets your own limits.” — Aleyna Groves 🌐 grovesiq.com [https://grovesiq.com] 💼 LinkedIn – Aleyna Groves [https://www.linkedin.com/in/aleyna-groves-88342026b/]