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April Nelson of Homebridge Financial talks lending
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In this episode we talk in depth about lending with April Nelson of Homebridge
- Banks vs Lenders vs Brokers
- Local Hawaii Mortgage Challenges
- Lava Zone 2
- Land Loans & Construction
- Condos – Non-Warrantable
- Property Taxes!
- Unpermitted Structures
- Zoning
- Interest rate trends and influence on housing market
- % cash sales and inflation
- Government “tapering” of benefits
- Home Buyer Trends & Bureau (Fannie & Freddie) actions to help O/O’s
- Investors
- Women – some interesting articles on this. Some studies suggest that technology in the lending process (ie online applications) helps eliminate historic gender bias so women homebuyers are increasing. I have also had some discussions lately with women expressing frustration that the man’s name is usually first on the home and loan (I do this differently) even if they are the one doing all the paperwork and with higher credit score, etc. Anecdotally, I often see women as the driving force to get her family qualified to buy a home. This could be an interesting sector to watch with more remote/work from home jobs enabling work/family balance and live-anywhere buying.
- Millennials
- First time homebuyers
- Multi-Generational Households
- Some interesting stats here (from March): https://www.nar.realtor/sites/default/files/documents/2021-home-buyers-and-sellers-generational-trends-03-16-2021.pdf
- Fannie & Freddie support for first time homebuyers and owner occupants (worse rates for investment properties and stricter rules on condotels, for example)
- Mortgage Industry Changes
- Vertical Integration vs Outsourcing
- Technology (such as Blockchain to improve security and efficiency)
- Cryptocurrency
APRIL NELSON, Mortgage Loan Originator, NMLS #2056032
Homebridge Financial Services, Inc.
75-5591 Palani Rd, Suite 2008A
Kailua-Kona, HI 96740
c: 808-202-3441
e: april.nelson@homebridge.com
web: www.homebridge.com/AprilNelson
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