co-Founder and Chief Diversity Officer
Tai Christensen is the Co-Founder and Chief Diversity and Public Relations Officer for Arrive Home, a national down payment assistance social enterprise for multiple governmental entities. She attended Brigham Young University in Provo, Utah, and has over 20 years of experience in the mortgage industry, specializing in working with underserved communities. She serves as Chair of the American Mortgage Diversity Council (AMDC), and also serves as a board member for Axis Lending Academy, a non-profit that focuses on lifting diverse talent within the mortgage lending industry. Tai is a winner of the 2021 Mortgage Professional America Elite Women Award, the 2022 Thought Leader Award for Progress in Lending, and the 2023 National Mortgage Professional Women of Inspiration Award. She has been featured on Fox Business News, as well as articles in the Washington Post, Mortgage Professional America, MReport, Real Estate Weekly, Forbes, and numerous podcasts. Tai is passionate about assisting credit worthy borrowers in disadvantaged communities become homeowners and build intergenerational wealth through homeownership. Tai lives in Eagle Mountain, Utah, with her husband, three daughters and their black lab, Charley.
Troy Garris is Co-Managing Partner of Garris Horn LLP. A business owner’s lawyer, Troy prides himself on a results-oriented, pragmatic approach to legal and compliance for mortgage companies and banks.
Troy deals with federal and state compliance, regulatory enforcement defense, company formation, and mergers and acquisitions. In these areas, he represents independent mortgage bankers, community banks, lenders, servicers, builders, title companies, secondary market investors, and equity funds. He is frequently involved in matters involving LO Compensation, RESPA, TILA, Fair Lending, FHA, social media marketing, and other issues, and appears in matters before the CFPB, HUD, FTC, and state banking agencies.
Troy is active in the industry, including being significantly involved with industry associations, and is an alumnus of the Mortgage Bankers Association Future Leader’s program.
Troy is also an active YouTuber, and host of Troy at Garris Horn, the Mortgage Banking LiveStream.
Head Home Lending Originations Counsel
Suzanne Garwood is Executive Director and Assistant General Counsel in JPMorgan Chase’s mortgage banking department where she assists with the bank’s compliance and regulatory advocacy. Prior to joining Chase, Suzanne was outside counsel at two Washington, DC-based law firms. While in private practice, Suzanne advised her clients with respect to compliance with consumer protection laws and advocated for her clients before the Consumer Financial Protection Bureau and Congress.