Presented by Gary Martell, Jr. Mountain West Financial

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Presentation transcript:

Presented by Gary Martell, Jr. Mountain West Financial Lending Outlook 2018 Presented by Gary Martell, Jr. Mountain West Financial

Money

First – Time Home Buyers In Age Group 2017 National Association of REALTORS Home Buyer and Seller Generational Trends

Interest Rates

Regulatory Environment

Non Qualified Mortgage (non QM) Qualified Mortgage QM) Products Subprime Non Qualified Mortgage (non QM) Qualified Mortgage QM)

Qualifying Is Important Ratios 35/45 VA residual Investment community Risk = Reward

Affordability Home Prices Interest rates Income Confidence

Lending in 2018 Higher rates than 2017 Tax changes (little impact) Politics (polarized) very little impact Regulations (reduced threat of regulatory burden) Strong Secondary Market Affordability

Another Outstanding Year For those of us that: Work hard! Serve our clients! Invest in our profession! Do the right thing!

Opportunity Send Your Clients To Mountain West Financial