DECEMBER 2016 n National Mortgage Professional Magazine n NationalMortgageProfessional.com 56 National Mortgage Professional Magazine's 40 Under 40 The 40 Most Influential Mortgage Professionals Under 40 I n our seventh annual "40 Under 40" feature, you will find a list of the top mortgage professionals under the age of 40, as voted on by their peers, who exemplify professionalism and top production in today's housing market. Despite the rough waters of the U.S. economy and the ever-shifting landscape known as the mortgage industry, these 40 professionals have persevered in a time of regulatory uncertainty. In assembling this list, we at National Mortgage Professional Magazine took some criticism when we began this endeavor. Many felt a list of this nature ignored many, and others felt that a list of this type is a "thing of the past," while some even cited age discrimination, but we firmly stood by our decision to assemble this group. Like their industry pioneers before them, these individuals are the ones who carried the torch of professionalism in the year 2016 and beyond. We'd like to congratulate all of the following individuals named to our "40 Under 40" list for 2016-in no particular order but alphabetical-and thank all the nominees for their participation in our "40 Under 40: The 40 Most Influential Mortgage Professionals Under 40" feature.