mortgage-servicing-rights
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David Finkelstein and the trouble with getting paid early
A mortgage investor has to understand why good news for a homeowner can complicate a balance sheet. From the New York Fed to Annaly, David Finkelstein has built his career around that uneasy relationship.
William Greenberg
William 'Bill' Greenberg is a theoretical-physicist-turned-financier who runs Two Harbors Investment Corp (rebranded 'Two'), the mortgage REIT whose in-house servicing engine is RoundPoint Mortgage Servicing LLC. He holds a PhD in theoretical nuclear physics and has spent 25+ years managing structured-finance portfolios at Natixis, UBS and the Swiss National Bank's StabFund before joining Two Harbors in 2012 and becoming CEO in 2020. He pushed the company to bring mortgage servicing in-house by acquiring RoundPoint in 2023, then steered the firm through a high-profile 2025-2026 takeover battle that ended with UWM Holdings agreeing to buy the company.