In this episode of The Pavan Perspective, Pavan Agarwal welcomes Micah Smith, credit expert and founder of Micah Abigail LLC, for a timely discussion on the future of credit, mortgage lending, and financial literacy. Together, they explore how modern credit scoring may influence mortgage readiness, why rent and utility payment history matter, and how Ai-powered tools are transforming credit repair and borrower support. This powerful conversation is designed for homebuyers, Realtors®, Loan Officers, Brokers, Entrepreneurs, and anyone interested in credit score optimization.

Speaker Information

Pavan Agarwal

CEO of Sun West and Creator of AngelAi

Pavan Agarwal is the Chief Executive Officer of Sun West, one of the largest independent, privately owned mortgage companies based in the U.S. He is also the founder of Celligence, which harnesses the best of Artificial Intelligence and Emphatic Technology to make mortgages simple and accessible to everyone. Pavan is a major proponent of Fair Lending and using technology to create homeownership opportunities for underserved markets. He loves to bring innovation into the mortgage industry and seamlessly integrate business units, products, and disparate goals into a single architecture to achieve success.

Pavan's exceptional achievements have garnered recognition from prestigious media outlets, including Fox News, Yahoo!, and Bloomberg. He's also been nominated for a national philanthropy award for his work with The Autism Community in Action (TACA).

Micah Smith

President and Founder at Micah Abigail LLC

Micah Smith is the Founder and CEO of Micah Abigail LLC, a mortgage-focused credit restoration firm based in Fishkill, NY. With 12+ years of experience and a 100% referral-based practice, Micah works exclusively with Loan Officers and real estate professionals nationwide to get their declined and not-yet-ready clients across the finish line — and back to the closing table.

A Fox Business featured credit expert, keynote speaker, and host of the Rebuild & Rise podcast, Micah has built a reputation as one of the most trusted voices in mortgage credit strategy. She has been teaching VantageScore 4.0 and the future of mortgage scoring since 2022 — before most of the industry was paying attention.

Their clients don't just improve their scores. They close.

Realtors, Fox News, Yahoo!, and Bloomberg are registered trademarks of National Association of Realtors, Fox Media LLC, Yahoo Inc., and Bloomberg Finance One, respectively.

Sun West Mortgage Company, Inc. is acting as the Lender and offers financing to qualified borrowers. Sun West Mortgage Company, Inc is not affiliated with any third parties mentioned above. The names are owned by the respective third parties.