Cristen walks us through the housing market cycles, the truth behind interest rates, why foreclosures happen, and what first-time buyers need to know to avoid major pitfalls. From the wild, unregulated 80s to today’s fast-changing market, her insights are brutally honest, deeply human, and incredibly timely.
In this episode we cover:
How the mortgage industry has transformed over 4 decades
The real cause of foreclosures—and how to prevent them
Why San Diego is the most expensive city for first-time buyers
How 100% financing and alternative loan programs work
Qualifying for a home as a self-employed buyer
How COVID reshaped where Americans can live
The emotional toll and reward of helping families buy their first home
Networking and career advice for new mortgage professionals
Cristen doesn’t sugarcoat anything—she explains the numbers, the risks, and the reality with clarity and compassion.
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https://www.cristencarverlender4u.com/