{"id":6614,"date":"2021-08-16T17:27:59","date_gmt":"2021-08-16T17:27:59","guid":{"rendered":"https:\/\/chenoafund.org\/?p=6614"},"modified":"2024-07-30T16:22:06","modified_gmt":"2024-07-30T16:22:06","slug":"overcoming-lender-challenges-the-latest-new-normal-obstacles","status":"publish","type":"post","link":"https:\/\/chenoafund.org\/overcoming-lender-challenges-the-latest-new-normal-obstacles\/","title":{"rendered":"Overcoming Lender Challenges: The Latest New Normal Obstacles"},"content":{"rendered":"

Many loan officers came surfing into the first quarter of 2021 on a tidal wave of refinances that seemed unstoppable. Now, many find themselves tumbling to a halt as the tide ebbs just as quickly as it initially surged in. Sure, there\u2019s still a market for refinancing, but many mortgage companies and loan officers are being reminded that stability and longevity rests in the purchase market. If the refinance market was a tidal wave that pushed many loan officers to exhausting heights of labor, then the current purchase market could be considered a tranquil pool by\u00a0 comparison.<\/span><\/p>\n

But that\u2019s only in comparison\u2014the water is still a little choppy, as many loan officers have found out, and the falling tide reveals a lot of rocks on the shore for the middle of 2021. It seems it\u2019s time to figure out what the NEW new normal is going to be, at least in the mortgage industry.<\/span><\/p>\n

Being a borrower is hard right now, and when life is hard for borrowers, life is hard for lenders. According to Wall Street Journal, “Buyer demand eclipsed the US housing supply by nearly four million homes in April of 2021. It doesn\u2019t matter how many realtors or borrowers a lender has a good relationship with when there aren\u2019t enough homes to sell!” This issue is compounded by the fact that many homes currently on the market are expensive. Of the new inventory reaching the market, over half of the homes are between two hundred thousand and six hundred thousand dollars. When many would-be homebuyers have small bank accounts\u2014for example according to Chicago Tribune, in 2020 over a quarter of millennials, a prime home buying demographic, had less than one thousand dollars in savings\u2014this means small down payments and high mortgages, assuming the borrower is able to afford the down payment and closing costs in the first place. If the borrower can\u2019t buy, the lender can\u2019t sell, and no one is left happy.<\/span><\/p>\n

Resurfacing Relationships with Real Estate Agents<\/span><\/strong><\/p>\n

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In meeting the unique challenges of 2021, one way to start is to reignite realtor relationships. Many loan officers, while focusing on refinances, have let their realtor relationships stagnate for a bit, cutting them off from one of the best sources of new borrowers with homes to purchase. Reaching out to old contacts and refreshing those friendships, as well as putting yourself out there to build new ones, can be critical in restoring these vital lifelines. When connecting with realtors, give them your full attention. Many realtors and borrowers found themselves getting ignored or receiving rushed customer service during 2020 and are wary of anyone who doesn\u2019t show a clear interest in them and their needs.<\/span><\/p>\n

Embracing New Technology To Uncover New Opportunities<\/span><\/strong><\/p>\n

\"tab\"<\/figure>\n

Another tool in your belt is the use of technology in meeting people and facilitating the mortgage process. We all thought we were tech-savvy before 2020 forced everyone to become a Zoom expert; now, video call meetings and Esignings are so common as to be expected. If you\u2019re not already intimately familiar with holding meetings with realtors and borrowers over video call, or Esign software, now is the best time to get started. In a similar vein, creating content for social media is an excellent way to make attention for yourself and to find new leads.<\/span><\/p>\n

Utilizing Down Payment Assistance to Overcome Homebuyer Obstacles\u00a0<\/span><\/strong><\/p>\n

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Finally, all loan officers should have this resource to fill out their tool belts: down payment assistance. The above tips can help you make sure that you have a steady flow of borrowers with homes to buy, but none of this does any good if the borrower can\u2019t afford the home. This is where down payment assistance steps in, to help borrowers who don\u2019t have quite enough savings to afford a down payment, or who want to save for a rainy day, or who just need a little bit more help.<\/span><\/p>\n

Take CBC Mortgage Agency\u2019s Chenoa Fund down payment assistance program, for example. With Chenoa Fund down payment assistance, your borrower may be able to get a second mortgage to help cover the down payment and closing costs. Given that Chenoa Fund down payment assistance allows borrowers to have a qualifying FICO score as low as 600 for its DPA Edge products, your pool of available borrowers may increase with Chenoa Fund as an available down payment assistance option. CBC Mortgage Agency\u2019s Chenoa Fund down payment assistance is also extremely friendly to loan officers, with same-day approvals and quick purchase times. Check out our website<\/strong><\/a> to learn more about the Chenoa Fund down payment assistance program.<\/span><\/p>\n

The state of the mortgage industry can change rapidly, but if you keep these suggestions in mind, you shouldn\u2019t find yourself high and dry as the market moves to focus more on purchases and homebuyer assistance.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

Many loan officers came surfing into the first quarter of 2021 on a tidal wave of refinances that seemed unstoppable. Now, many find themselves tumbling…<\/p>\n","protected":false},"author":4,"featured_media":6615,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"content-type":"","_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[37],"tags":[212],"class_list":{"0":"post-6614","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-chenoa-talk","8":"tag-lender-challenges"},"yoast_head":"\nOvercoming Lender Challenges: The Latest New Normal Obstacles - CBC Mortgage Agency<\/title>\n<meta name=\"description\" content=\"Explore strategies for overcoming current lender challenges and adapting to the evolving financial landscape at Chenoa Fund.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/chenoafund.org\/overcoming-lender-challenges-the-latest-new-normal-obstacles\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Overcoming Lender Challenges: The Latest New Normal Obstacles - 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