Cristen shares how the mortgage world has evolved—from the wild, unregulated days of the ’80s and ’90s to today’s highly structured, compliance-driven industry. She breaks down the truth behind interest rates, the real causes of foreclosures, what first-time buyers should realistically expect, and why Southern California’s housing market is unlike anywhere else.
You’ll hear:
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How mortgage lending has transformed over 40 years
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What really drives housing affordability
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Why buyers often get in trouble—and how to prevent it
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The rise of 100% financing and alternative qualification programs
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How remote work reshaped where Americans can live and buy
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Cristen’s top advice for becoming a successful loan officer
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Why networking and honesty matter more than ever in this industry
Whether you’re a first-time homebuyer, a real estate professional, or someone trying to understand this shifting market, Cristen brings clarity, honesty, and decades of wisdom to the conversation.
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https://www.cristencarverlender4u.com/