Written by Mark Browning, as originally published in The Reverse Review.

From his favorite movie and his first job to his thoughts about the future of the reverse mortgage market, we get the personal and professional facts from Mark Browning, founder and president of HomeChex, in this month’s edition of The Hot Seat.

You can’t always be a conventional thinker.

Ten years from now, society will be an even lighter shade of beige.

My first car was an MGB.

The craziest thing I’ve ever done was deliver a live pig to a competitor on the 14th floor of HSBC’s U.S. headquarters (months later a bit was returned as bacon).

If I could meet anyone, past or present, it would be Thomas Jefferson.

My favorite movie is Animal House.

I never miss an episode of 60 Minutes.

When I was younger, I wanted to be a pilot.

Every morning I read the Wall Street Journal.

I can’t go without my iPad.

When I was a kid I rode a unicycle.

I’ll never forget September 11, 2001.

My first job

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was working as a restaurant dishwasher at age 15.

My parents taught me how to respect others while also having confidence in myself and my values.

My favorite time of day is the morning.

My iPod go-to is Stevie Ray Vaughan.

I always am interested in the “why” more than the “what.”

The best lesson I’ve ever learned was not to pick up a cactus unless you know it’s not poisonous.

The most memorable moment in my life was when my daughter, now 13, joined the world.

For success I have sacrificed an early start on family.

If I could time travel right now, I would be rewriting HECM rules in the 1980s.

The biggest challenge in the reverse mortgage industry is to evolve to be a customer-oriented (versus process-oriented) product and delivery system.

The future of reverse mortgages is in the balance. The compound effects of making multiple changes in mortgagee letters 2013-27, -28 and -33 simultaneously are unknown. An alternative, less complicated proprietary product similar to the HECM would be helpful.

The greatest setback for our industry was the 2008-2009 financial crises and resulting reforms. It sucked reverse mortgages, a wealth and retirement management tool, into the framework of traditional mortgage lending. The consumer objectives of reverse mortgages are entirely different from transactional mortgage lending.

Ten years from now the reverse mortgage industry will be reoriented or extinct.

The most fascinating thing about the reverse mortgage industry is that access to housing wealth is an essential retirement finance tool for the middle class, yet HECMs remain largely sidelined.

I am optimistic about the reverse mortgage industry because of the compelling demographics on aging and the financial requirements of the aging population.

If I could change one thing about the reverse mortgage industry it would be to move the product outside of the political sphere.

I entered this industry because I believed the tool added value to local communities and the quality of middle-class retirement.

In shaping appropriate regulation of the reverse mortgage industry, government officials need to understand that a HECM does not operate in a vacuum.