Todd GerlemanTodd Gerleman has spent more than a dozen years in the mortgage industry, so he has seen almost everything. He has certainly seen most of the industry’s ups and downs. The only constant in the mortgage industry is change, which is why Todd believes it’s important to always be flexible. The rules and the regulations are always being tweaked and adjusted, so it’s always necessary to be able to change to meet whatever challenges come along. In Todd Gerleman’s opinion, the government became very involved after the 2008 recession and they have perhaps over-regulated by now.