José Chiarino is Co-Founder and CTO of Authentive, where he leads the engineering behind the platform’s browser agents — software that logs into payroll, banking, and IRS systems on a borrower’s behalf and collects source documents without a single manual upload.
He came to Authentive from Airbnb, where he was engineering lead for design systems and led internal research into code generation, including a platform that generated and published production web applications directly from Figma files — an early version of the machine-does-the-work thinking now at the center of Authentive. Before Airbnb he spent nearly four years at Microsoft, where he was tech lead for education experiences in Microsoft Teams.

Savor handcrafted drinks, indulge in delectable bites, and enjoy the company of fellow attendees in a relaxed and vibrant atmosphere at our closing reception.

As the mortgage industry continues to navigate significant modernization and market transformation efforts, Sellers need clear visibility into current initiatives, implementation readiness and future changes that may impact their operations and doing business with Freddie Mac.

As large, technology-enabled lenders continue to scale through automation, centralized operations, and data advantages, many are asking whether the “megalender” era represents a permanent transformation of mortgage production. Is this true market evolution — or another digital lending wave that will plateau as conditions shift? This session examines what’s structurally different in 2026, and what it means for competition, margins, and long-term strategy.

Learn how TLS harnessed automation and agentic mortgage AI to enable scale and gain efficiencies throughout the loan fulfillment lifecycle and drive unprecedented growth. Hear about the decisions made and why, how setbacks were overcome, and come away with a clear view of how automation and agentic mortgage AI are reshaping the economics of running a successful wholesale lender in a challenging environment.

Recharge and connect during our morning break session. This brief intermission provides the perfect opportunity to grab a cup of coffee, network with peers and prepare for the day’s engaging sessions.

As lenders move beyond experimentation, the focus is shifting from AI strategy to operational execution. This session explores how organizations are integrating AI into day-to-day workflows, overcoming challenges around data, systems, and adoption, and building the internal foundations needed to scale successfully. Attendees will gain insight into what it takes to turn AI from a promising initiative into a measurable driver of efficiency, consistency, and business performance.