Michael Abraham

The McGoverns' loan A conversation with Michael Abraham and Fred Campobasso. QRL lender webinar / Zoom call, September 4, 2026. Source excerpt: 00:34:26.900 to 00:35:28.500, continuous original audio. Michael Abraham: Chief Strategy Officer, Great Lakes Credit Union; President & CEO, Mortgage Forward. Fred Campobasso: Chief Lending Officer, Great Lakes Credit Union. Fred also serves on Takara's advisory board. Mortgage Forward is a DREAM program partner. Context: The discussion describes one member's experience and the participants' assessment of it. Outcomes and program fit vary by member and institution. The full thought includes the qualification that the approach is not for every borrower. Picture enhanced with AI, including estimated image detail. Original audio and timing retained. Both participants remain visible; this transcript does not assign individual lines to either participant. Transcript: So I think from a financial institution perspective on Frank, we got another loan, right? We did the loan on the next property. He also used the additional equity and got a home equity line for some of what was left over, and has probably been the biggest singer of our praises that we could ever ask for ever, and he would have done none of those things without the program. He would have just stayed with what he was doing. And I think the unlocking of that lock-in effect is really relevant in that specific instance. Like you said, this isn't a one-size-fits-all approach for every single borrower, but for those that would otherwise not do anything, we've generated significant value for the institution, for the member, and really brand recognition now through this as well, which I think is really unique. And it's been a fun story to tell in a lot of different trade publications.

Michael Abraham | President & CEO, Mortgage Forward DREAM program partner QRL webinar, September 4, 2026. Source 00:25:54.860 to 00:26:06.700, continuous original audio. Context: Michael describes member-outreach toolkits and servicing expertise available through Mortgage Forward. Support and responsibilities depend on the program arrangement. We can help you market. Takara has built some really cool toolkits on how to talk to members and ensure that's there. We've got experts on staff at Mortgage Forward from a servicing standpoint to assist with the transaction. Unspoken end card: Talk through your rollout. Start with your team, workflow and review requirements. takara.finance/book-a-call. Support described by Mortgage Forward. Scope depends on the program arrangement.

Michael Abraham · President & CEO, Mortgage Forward Mortgage Forward is a DREAM program partner. QRL webinar · September 4, 2026 Original recording 18:10.00–18:16.80, continuous audio. We’re not trying to sell something you don’t need. We are all about member value, member benefit and client benefit as well. On-screen end card (not speech): Does DREAM fit your members? Start with a conversation about program fit. takara.finance/book-a-call. Through participating lenders. Eligibility and terms vary.

How does Michael explain DREAM? Michael Abraham, GLCU Chief Strategy Officer and Mortgage Forward President & CEO at the recording. Mortgage Forward is a DREAM program partner. QRL webinar, September 4, 2026. It takes a little bit of time to wrap your mind around it, but what I keep telling people, and to quote Fred here, it's actually much simpler the further you zoom out and understand that all you're really doing is unlocking the economic benefit that's already built into that loan, and instead of taking it from an institution standpoint, you're sharing it back with the rightful owner, which is the borrower. Context: Michael describes how he thinks about DREAM. This is his explanation of the program, not a guaranteed result for a particular loan. Program fit and available benefit depend on the loan and arrangement. Unspoken end card: Explore fit for your institution. Talk through the program and your questions. takara.finance/book-a-call.