Off-Grid Living, Cannabis Debt, and Boomer Moves: August Mortgage Trends

The mortgage world is never boring, and this week is no exception. Our latest roundup highlights a surge in rural mortgage applications driven by a growing interest in Off Grid Living. Meanwhile, the cannabis sector is facing a wave of maturing debt with refinancing challenges ahead. Older buyers continue migrating to sunny states, and there’s a bright spot in affordability as homebuyer purchasing power improves. These stories shape the ever-evolving landscape of real estate and lending. Whether you’re advising clients or exploring market shifts, there’s something here to guide your next conversation.


Off Grid Living Gains Traction Among Homebuyers

Read the Full Story → Realtor.com

More Americans are ditching city life in favor of rural escapes and self-sufficient living. Mortgage applications for homes in remote locations have seen a notable uptick.

This trend is fueled by interest in solar panels, rainwater collection systems, and the allure of privacy and nature. The modern homestead isn’t just about chickens and crops—it’s a lifestyle pivot that’s catching on. Off Grid Living is no longer a fringe choice—it’s an emerging lifestyle.

Lenders are adapting by offering financing options tailored to unconventional properties. As borrowers pursue Off Grid Living dreams, loan officers and agents have an opportunity to guide them through this unique market.


Cannabis Sector Faces $6 Billion Debt Wave

Read the Full Story → MJBizDaily

Cannabis companies across the U.S. are staring down nearly $6 billion in debt set to mature by the end of 2026. Major players like Curaleaf, Ayr Wellness, and Trulieve are racing to refinance and restructure.

Tight credit conditions and a lack of federal banking reform complicate refinancing efforts. While some operators are pursuing sale-leasebacks or asset sales, others face potential default risks.

Real estate professionals should note that many cannabis operations are tied to commercial real estate. This financial pressure could spark movement in certain property types, especially in states with legal cannabis markets.


Older Buyers Are Heading to the Coasts

Read the Full Story → Realtor.com

Boomers are still on the move, and they’re heading for the coasts. California and Florida dominate the list of top destinations for older homeowners.

This demographic shift could influence everything from housing inventory to community planning. Coastal metros with warmer climates, health services, and recreational amenities are seeing a steady inflow.

Agents should consider the unique needs of older buyers—accessibility, HOA rules, and proximity to care facilities—when serving this growing client base.


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Homebuyer Purchasing Power on the Rise

Read the Full Story → Scotsman Guide

In July, homebuyer purchasing power improved as median monthly mortgage payments dropped from $2,172 to $2,127. That’s a 2.1% dip month-over-month, offering buyers a bit more breathing room.

While affordability remains a challenge, this marks the second consecutive month of positive movement. Lower mortgage rates and slightly higher income levels contributed to the change.

The Mortgage Bankers Association anticipates rates will hold steady in the 6.5% to 7% range through year-end, which could maintain this trend into fall.


Loan Officer Perspective

This week’s stories show opportunities in unexpected places. Whether it’s Off Grid Living lending or commercial loans tied to cannabis operators, being aware of niche markets can open new pipelines. The slight affordability gain is a perfect talking point for rekindling conversations with hesitant buyers.

Real Estate Agent Perspective

Aging buyers, alternative living, and debt-driven commercial activity are all market movements agents can leverage. Whether helping retirees relocate or helping buyers evaluate Off Grid Living properties, these trends present multiple angles to add value.

Home Buyer & Seller Perspective

If you’re dreaming of a quieter life through Off Grid Living or making a coastal retirement move, now’s a good time to explore your options. Lower mortgage payments in July may help stretch your budget. Want to see what’s possible? Reach out to the loan officer or real estate pro who shared this post.


Frank’s Thoughts

Who knew the cannabis industry and Off Grid Living had so much in common? Both are green, unconventional, and, well, kinda fun.

As Bill Murray once said, “I find it quite ironic that the most dangerous thing about weed is getting caught with it.” In real estate, sometimes the most interesting stories bloom where regulation and rebellion intersect. Keep an open mind and an eye on the fringe—that’s often where the cool stuff happens.


Frank Garay is a nationally recognized mortgage industry leader, co-founder of The National Real Estate Post and the Loan Officer Breakfast Club. Named to the Inman 100 list of the most influential in real estate and featured on Fox News, Frank now shares timely mortgage and real estate insights through LOBC In The News to help industry professionals stay ahead.


Housing Accessibility Shifts: Legacy Gifts, Cash Trends, and Bilingual Breakthroughs

The housing market continues to evolve as affordability challenges, shifting demographics, and legacy-driven generosity reshape the landscape. This week’s focus keyword is housing accessibility—and each featured story speaks to how access is being won, lost, or redefined. From a Wisconsin landlord’s donation that expands affordable housing, to a bilingual training initiative combating HUD’s English-only policy, and from Zillow’s affordability insights to Miami’s all-cash dominance, we’re covering key movements that matter. Whether you’re advising clients or planning your next strategy, these developments point to both opportunity and urgency in expanding who gets to participate in homeownership.


Appleton Landlord Leaves Behind 20-Unit Legacy to Fight Homelessness

Read the Full Story → FOX11News

Richard “Dick” Reetz, a lifelong Appleton WI landlord, made a transformational gift upon his passing: he donated 10 rental properties—20 units in total—to the nonprofit Pillars to help combat homelessness. The gift increases the organization’s property portfolio by 26%.

Pillars plans to use the homes to house at least 40 individuals and families in need. The donation marks the nonprofit’s largest property addition since 2017 and aligns squarely with their mission to reduce homelessness through housing access.

Reetz’s legacy demonstrates how individual generosity can contribute significantly to housing accessibility at the local level—providing a model for impact through estate planning and community partnerships.



In Miami Luxury Real Estate, Cash Still Rules

Read the Full Story → Realtor.com

Miami’s high-end market remains one of the most cash-driven in the country. More than 50% of homes over $1 million are sold without financing, and for properties above $10 million, nearly 59% are all-cash transactions, according to new data from Realtor.com.

This trend is pushing prices higher and extending time on market, yet sellers are showing little fear. With minimal mortgage dependency, delisting is more common than price reductions. In July, 59 homes were delisted for every 100 new listings—far outpacing other major markets.

Global wealth continues to flow into Miami, buoyed by tax advantages and international appeal. This solid cash foundation creates a uniquely stable—if exclusive—real estate climate that reinforces housing accessibility for the ultra-wealthy while creating barriers for financed buyers.



Zillow: Affordable Listings Rise—But Real Affordability Still Lags

Read the Full Story → Zillow

In July 2025, Zillow reported that affordable home listings reached their highest count since August 2022, with roughly 439,000 homes qualifying as affordable to median-income buyers. That’s a 20% year-over-year increase, signaling a slight inventory recovery.

Still, only 31.7% of active listings are truly affordable, down from over 50% in 2020. While Midwest metros like Buffalo and Pittsburgh offer over 50% affordability, coastal cities like Los Angeles remain dire, with just 3% of listings falling within reach of the average buyer.

Zillow warns that significant affordability improvements will require large-scale policy changes or a major economic shift. For now, the modest gains in housing accessibility remain regionally dependent and highly uneven.


New Training Platform Empowers Spanish-Speaking Loan Officers.

Read the Full Story → Scotsman Guide

In response to HUD’s recent elimination of translated documents, the nonprofit HOME (Hispanic Organization of Mortgage Experts) has launched a bilingual training system for Spanish-speaking loan officers. The platform, HOME Certified, is designed to help diversify the industry and increase cultural accessibility for Hispanic borrowers.

The self-paced platform covers everything from credit analysis to compliance and is paired with an AI-powered search tool that matches borrowers with 150 wholesale lenders. HOME aims to close the representation gap—only 1% of loan officers today are Hispanic—and make homeownership more accessible for Spanish-speaking communities.

This initiative underscores how technology and education can play a major role in improving housing accessibility across underserved populations.


Loan Officer Perspective

Housing accessibility isn’t just a consumer issue—it’s a strategic opportunity. With affordable listings climbing and bilingual tools expanding, now’s the time to position yourself as an advocate and educator. Share updates on regional affordability and promote your ability to work with diverse client bases. New tools like HOME Certified show where the industry is headed: more inclusive, tech-enabled, and ready for growth.

Real Estate Agent Perspective

This week’s stories spotlight multiple ways to connect with clients: from affordable markets in the Midwest to luxury listings in Miami. Build relationships with landlords who may want to create legacy impact, like Dick Reetz. Educate clients on shifting affordability, and highlight your network’s reach—including trusted Spanish-speaking partners. The more you know about access issues, the more value you offer.

Home Buyer & Seller Perspective

Whether you’re entering the market or selling, housing accessibility affects your timeline, options, and financial strategy. More listings are affordable—but challenges remain. Sellers in hot markets can still hold firm, while buyers need strategic guidance to act confidently. That’s why your loan officer or agent is so valuable. Reach out today to discuss your next move or clarify what’s possible in your budget.


Frank’s Corner

Let’s take a breather from housing headlines and get weird—in a good way. Ever heard of Chocolate Salami? It’s a no-bake, slice-and-serve dessert that looks like salami but tastes like rich, fudgy heaven. This thing’s got cocoa, crushed cookies, and nuts—and it’s as fun to make as it is to eat.

Trust me: serve it at an open house and you’ll have buyers staying an extra 15 minutes just to ask for the recipe. No oven required. Just chill it, slice it, and enjoy the laughs. Curious? Check out the Chocolate Salami recipe here.


Frank Garay is a nationally recognized mortgage industry leader, co-founder of The National Real Estate Post and the Loan Officer Breakfast Club. Named to the Inman 100 list of the most influential in real estate and featured on Fox News, Frank now shares timely mortgage and real estate insights through LOBC In The News to help industry professionals stay ahead.


Zillow Home Sales Forecast Predicts Price Dip as Market Braces for Next Mortgage Shift and AI Shakeups

The new Zillow Home Sales Forecast shows a modest price decline through 2025, giving buyers and sellers important signals about what’s ahead. Lenders are also being urged to prepare for future rate movement, while breaking developments in AI—from Musk’s lawsuit against Apple and OpenAI to YouTube’s behind-the-scenes video edits—are forcing conversations about transparency and tech. Whether you’re in lending, real estate, or just watching the market, this roundup keeps you informed and ready.


Zillow Home Sales Forecast Through 2025

Read the Full Story → Zillow Research

The latest Zillow Home Sales Forecast projects that U.S. home values will decline by 0.9% by the end of 2025, while existing home sales are expected to rise by approximately 0.6% compared to 2024. The report also shows rent growth slowing to 2.5%, down from 4.5% in 2024.

This points to a softening market shaped by affordability concerns and sustained high rates. It’s not a crash, but a signal of a slow, steady rebalancing that buyers, sellers, and real estate pros can work with.

For mortgage professionals and real estate agents, the Zillow Home Sales Forecast provides actionable insight to guide pricing, buyer conversations, and marketing strategies for the coming year.


4 Steps to Take Before the Next Mortgage Market Shift

Read the Full Story → HousingWire

The mortgage market is shifting again, and now is the time for lenders to prepare. The article recommends reviewing internal workflows and eliminating bottlenecks that could slow down loan volume when demand picks up.

It also emphasizes making the most of your existing tech. Training staff to fully use loan origination systems and automation tools can streamline operations without additional spending.

Lastly, it’s smart to assess vendor relationships and have backup financing channels ready. These steps help protect lenders and improve responsiveness in a changing rate environment.


xAI Sues Apple and OpenAI Over Alleged Antitrust Practices

Read the Full Story → Straight Arrow News

Elon Musk’s xAI is suing Apple and OpenAI, claiming Apple’s integration of ChatGPT into its platforms gives OpenAI unfair access to users while shutting out competitors like Grok, xAI’s chatbot.

Photo from Scientific American

The suit argues this behavior restricts innovation and violates antitrust laws. If successful, it could change how large tech platforms distribute AI tools and which companies get access to users.

For industries adopting AI—including real estate and lending—this case could influence future access to digital assistants, automation features, and consumer-facing tools.


YouTube Caught Quietly Altering Videos Using AI

Read the Full Story → Straight Arrow News

YouTube confirmed it has tested AI tools that modify video content—such as denoising and sharpening—without notifying the creators. The changes are non-destructive, but the lack of consent stirred backlash.

While YouTube insists it’s not generative AI, the controversy touches on transparency. Creators argue they should know exactly how their videos are being modified after upload.

In real estate, where video marketing is critical, this raises concerns. Agents and lenders should be transparent about AI enhancements in listing or promotional content to maintain trust and credibility.


Loan Officer Perspective

The Zillow Home Sales Forecast gives you a strong talking point with clients who’ve been waiting for better timing. A slight dip in values and flat rent growth could help hesitant buyers finally take action.

This is also a great time to improve back-end efficiency. Use this slower period to upgrade training, maximize your LOS features, and prep for volume increases when the rate environment shifts again.

The AI legal headlines may seem far removed, but many of your tools—from credit pulls to verifications—are using similar technologies. Clients appreciate transparency, so talk openly about how you use AI in your process.

Real Estate Agent Perspective

Use the Zillow Home Sales Forecast to set client expectations and provide strategic advice. A price dip doesn’t mean worry—it means buyers get a little more leverage and sellers need to price smart.

This is also a reminder to stay closely aligned with lenders who are upgrading their systems and staying agile. Faster, smoother financing creates better experiences and more referrals.

With AI being tested behind the scenes on platforms like YouTube, now’s a good time to audit your own media. If you’re enhancing listing photos or videos, be upfront with clients about what’s real and what’s retouched.

Home Buyer & Seller Perspective

The Zillow Home Sales Forecast shows a slight dip in prices and slower rent growth ahead. If you’re thinking about buying, this could be your moment. More favorable conditions and slightly more inventory might be coming your way.

Sellers should also stay sharp. Pricing based on up-to-date forecasts can help you move your home faster while avoiding prolonged listing times.

And as tech becomes a bigger part of home marketing, ask your agent or lender how they use AI. A little clarity goes a long way toward making smart, confident choices.


Frank’s Corner…

“One advantage of talking to yourself is that at least somebody’s listening…”
~ Franklin P. Jones


Frank Garay is a nationally recognized mortgage industry leader, co-founder of The National Real Estate Post and the Loan Officer Breakfast Club. Named to the Inman 100 list of the most influential in real estate and featured on Fox News, Frank now shares timely mortgage and real estate insights through LOBC In The News to help industry professionals stay ahead.


Farmers Insurance Data Breach and Mortgage Market Update: Sales, Delinquencies, and Security Risks

The recent Farmers Insurance data breach affecting over 1.1 million individuals highlights growing cybersecurity risks in financial services—just one of several important stories impacting the mortgage market this week.

We also cover new‑home sales trends showing surprising resilience and updated delinquency figures revealing both progress and ongoing FHA-related pressure. Whether you’re in lending, real estate, or looking to buy or sell, these stories offer timely insights—and we round it out with a fun “Just Because…” history fact you won’t want to miss.


Farmers Insurance Data Breach Affects Over 1.1 Million Customers

Read the Full Story → BleepingComputer
Farmers Insurance began notifying affected individuals on August 22, 2025, after discovering a cybersecurity breach tied to broader Salesforce-related attacks. The incident compromised sensitive data—including names, addresses, dates of birth, driver’s license numbers, and partial Social Security numbers—of 1,111,386 customers.

The breach is part of a coordinated mid‑2025 intrusion into Salesforce environments, which impacted numerous high‑profile companies across sectors such as insurance, technology, and consumer goods.

This incident underscores how vulnerable customer data can be when third-party systems are compromised. Mortgage and insurance professionals should proactively reassure clients, offering guidance on protective steps like fraud alerts, credit freezes, or monitoring services.



New Home Sales Show “Upside Surprise” but Remain Weak

Read the Full Story → (MPA)
In July, new single‑family home sales dipped 0.6% to an annualized rate of 652,000, yet the figure exceeded expectations—earning a label of “upside surprise” from First American deputy chief economist Odeta Kushi. June’s sales were revised sharply upward to 656,000, offering an upbeat twist amid the decline.

High mortgage rates remain a drag on demand, and affordability continues to challenge the market despite this temporary glimmer. Inventory levels remain elevated, and homebuilders are deploying incentives—such as rate buydowns and price cuts—to attract buyers.

This suggests nuanced opportunity: while overall demand is subdued, tactical incentives could make new home inventory more accessible in certain segments.



Mortgage Delinquency Rate Improves—but FHA Loans Still Strained

Read the Full Story → Scotsman Guide
July’s national mortgage delinquency rate (30+ days past due, not in foreclosure) fell 8 basis points month-over-month to 3.27%, a 9 basis point improvement year-over-year and 58 basis points below pre‑pandemic levels.

However, foreclosure starts edged higher—up 4.3% month-over-month and 7.6% year-over-year—and FHA loans remain disproportionately stressed. Though down 5 basis points month-over-month, FHA loan delinquencies remain 15 basis points above last year’s level and account for 52% of serious (90+ days) delinquencies.

Overall, serious delinquency volumes rose by about 30,000 year-over-year—the smallest uptick since November 2024—suggesting easing pressure from recent natural disasters. These trends point to encouraging borrower resilience, but also highlight ongoing risk hotspots in certain loan categories and segments.


Just Because…

First Televised MLB Game – August 26, 1939

On August 26, 1939, a quiet revolution unfolded at Ebbets Field in Brooklyn, New York. The Cincinnati Reds and the Brooklyn Dodgers played a doubleheader that day—not particularly notable in baseball history—except that it became the first Major League Baseball game ever televised.

The broadcast was handled by W2XBS, an experimental television station that would later become WNBC-TV, and only about 400 television sets existed in the New York area to receive the transmission.

Photo from History.com

The equipment was rudimentary by today’s standards. Two stationary cameras were used—one behind home plate and another along the third base line. The broadcast was short, black-and-white, and without the production elements we now take for granted—no instant replay, no graphics, no commentary overlays. Still, the novelty of watching a live baseball game from one’s living room was groundbreaking. For many who saw it, it must have felt like peering into the future.

This first televised game marked the beginning of a seismic shift in how Americans would consume sports and, eventually, all forms of entertainment. It set the stage for the massive media rights deals, multi-angle camera shots, and global fanbases we see today. Television didn’t just bring baseball to more people—it helped transform it into the national pastime.

More broadly, August 26, 1939, symbolizes how even modest beginnings can have monumental ripple effects. From a low-tech experiment watched by a few hundred, we now live in a world where every major game is streamed, analyzed, and celebrated in real-time by millions. It’s a testament to how innovation often starts quietly—before changing everything.


Loan Officer Perspective

The Farmers Insurance breach serves as a timely reminder for loan officers to proactively engage with clients about financial safety and identity protection. By offering support such as credit monitoring tips or partnering with services that safeguard client data, you can position yourself as a trustworthy advisor during uncertain times.

The news on new-home sales, while mixed, suggests some resilience in the market—especially where builders are offering incentives. This creates an opening for LOs to connect with buyers who may be on the fence due to affordability concerns.

Meanwhile, the gradual improvement in overall delinquency rates is encouraging and can help loan officers promote a more stable lending environment, while remaining mindful of FHA borrowers who may still be under stress.

Real Estate Agent Perspective

For real estate agents, the data breach story offers an opportunity to check in with clients—especially those involved in transactions that intersect with insurance—while reinforcing your role as a full-service, client-first advisor.

The sales data from July provides a useful talking point with both buyers and sellers: while the market remains tight, builder incentives and slight improvements in demand suggest pockets of opportunity. Agents can use this moment to spotlight listings where incentives apply or help clients understand how current market conditions may work in their favor.

With delinquency rates continuing to stabilize overall, you can also help reassure hesitant buyers and sellers that the housing market is not in decline but adjusting and becoming more balanced.

Home Buyer & Seller Perspective

For buyers, this week’s news underscores the importance of having a knowledgeable loan officer or agent by your side. A major insurance breach like the one at Farmers is a reminder that your financial safety should always be protected—and the right professionals can help guide you through every step with care.

If you’re considering a new home, builder incentives could make the difference in affordability right now, even with higher rates. For sellers, understanding how delinquency improvements and buyer behavior are evolving can help you price your home effectively and attract motivated purchasers.

If you have questions or want to explore your options, reach out to the loan officer or real estate agent who shared this post with you—they’re ready to help.


Frank Garay is a nationally recognized mortgage industry leader, co-founder of The National Real Estate Post and the Loan Officer Breakfast Club. Named to the Inman 100 list of the most influential in real estate and featured on Fox News, Frank now shares timely mortgage and real estate insights through LOBC In The News to help industry professionals stay ahead.


Redfin CEO Sees Buyer Demand Rebounding in Next 6–9 Months

A wave of renewed buyer activity could be on the horizon, according to Redfin’s CEO—and timely developments in mortgage rates and regulatory debates may offer support.

Redfin CEO Glenn Kelman sees buyer demand returning to the housing market within the next six to nine months—a hopeful signal amid lingering affordability challenges. At the same time, housing analysts are flagging how upcoming mortgage rate shifts could reshape market dynamics in 2025.

Meanwhile, the Community Home Lenders of America (CHLA) is pushing back against a proposed Fannie Mae‑Freddie Mac merger, arguing that keeping the two GSEs separate preserves competition and protects smaller mortgage lenders. Together, these developments suggest a potential turning point in both housing demand and industry structure.


Redfin CEO Sees Buyer Demand Returning Within 6–9 Months

Glenn Kelman, CEO of Redfin, shared on CNBC that he expects homebuyer activity to bounce back in the next six to nine months, provided that mortgage rates ease and inventory stabilizes. He framed this as a potential relief for the sluggish pace seen earlier in 2025.

Despite elevated mortgage rates, Kelman’s optimism centers on a gradual normalization of market conditions—highlighting how sentiment can pivot quickly with appointment-level rate shifts or policy changes.

This outlook sets a hopeful tone for lenders and real estate professionals, suggesting the end of a prolonged buyer drought may be in sight.



Analyst: Mortgage Rate Shifts Could Reshape 2025 Housing Market

Read the Full Story → TheStreet

A housing analyst featured by TheStreet warns that even modest changes in mortgage rates could significantly alter the trajectory of the housing market in 2025. High rates have suppressed demand—and so any reduction, however incremental, might reignite purchasing activity.

The timing of these shifts appears critical. Analysts emphasize that markets are “feeling the squeeze” from rising home prices and elevated borrowing costs, implying that improved affordability could unlock pent‑up demand.

This aligns with Kelman’s timeline, suggesting that rate movements may not just underpin demand revival but could actively trigger it.



CHLA Pushes Back Against Proposed Fannie-Freddie Merger

Read the Full Story → Scotsman Guide

The Community Home Lenders of America (CHLA) issued a letter—postdated September 6—urging Treasury Secretary Bessent and FHFA Director Pulte to reject a proposed merger of Fannie Mae and Freddie Mac into a new entity dubbed the “Great American Mortgage Corporation.” CHLA argues that keeping the two GSEs separate is essential for preserving competition and protecting small and midsize independent mortgage banks (IMBs).

The association also calls on the GSEs to maintain the competitive cash window and G-fee parity—both of which benefit smaller lenders—and to continue support for diverse housing products, including those for manufactured homes, rural areas, and second homes.

CHLA’s push underscores industry tensions over how structural reforms in the secondary mortgage market could impact lending diversity and consumer access.


Loan Officer Perspective

  • Be poised to serve returning buyer demand—prepare marketing strategies and borrower pre‑approvals now.
  • Monitor policy developments around GSE structure—changes could impact product availability and fee structures.
  • Emphasize competitive options if a merger moves forward; educate borrowers on how smaller lenders may offer advantages.

Real Estate Agent Perspective

  • Anticipate increased buyer traffic toward autumn or winter—start engaging with potential clients early.
  • Watch for shifts in buyer affordability—rate changes could spur urgency.
  • Stay informed on lending environment developments, especially concerning Fannie and Freddie, to advise clients accurately.

Home Buyer & Seller Perspective

  • Buyers: this could be a good time to get pre‑qualified and stay ready—if demand picks up, homes may move fast.
  • Sellers: you might encounter more buyers in the months ahead—plan showings and pricing with that in mind.
  • Questions? Reach out to the lending and real estate professionals who shared this post—they can help you align strategy with upcoming market changes.

Frank’s Thoughts

The Coconut and the Call

In 1943, a young John F. Kennedy, long before he became president, commanded a small PT boat in the Pacific. One night, his PT-109 was sliced in half by a Japanese destroyer. Two of his crew died instantly. The others were left clinging to wreckage in the dark waters.

Kennedy was only 26. He could have let fear win. Instead, he made a decision to lead. He swam miles through dangerous currents, towing a badly injured crew member by the strap of his life jacket clenched in his teeth. For nearly a week, he kept his crew alive on coconuts and rainwater, swimming again and again at night in search of help. Finally, he carved a message on a coconut shell and entrusted it to local islanders who brought it to Allied forces. That coconut shell became the lifeline that saved his men.

Photo from Smithsonian Magazine

Years later, when John F. Kennedy was President of the United States, he kept that very coconut on his desk in the Oval Office. Not as a decoration, but as a reminder of what courage looks like when everything is on the line.

Now, let’s pause and think about this. Kennedy faced exhaustion, pain, hunger, and the possibility of death. He had every reason to give up—but he didn’t.

And here we are, staring at a phone. The “battle” we face is call reluctance. Fear that someone might say no. Fear that someone might not like what we say. Compared to towing a wounded man through shark-infested waters or leading a stranded crew with no food or shelter, that phone call is nothing.

This isn’t to minimize the real feelings that come with reluctance—we all feel them. But let’s keep perspective. What Kennedy endured was life and death. What we face is a moment of discomfort that could lead to opportunity, to new relationships, to saving a deal, to building a business.

If Kennedy could push past his fear in the middle of the Pacific, we can push past the fear of dialing a number. If he could etch words into a coconut and trust it would carry hope, we can trust that our calls carry value for the people on the other end.

That coconut sat on the President’s desk as a daily reminder: courage is doing the hard thing even when fear is present. For us, courage is picking up the phone and making the call.

So let’s be honest—making calls isn’t hard. Kennedy showed us what hard really looks like. Our calls are easy by comparison. And the results? They might just be the “coconut” that carries your business forward.


Frank Garay is a nationally recognized mortgage industry leader, co-founder of The National Real Estate Post and the Loan Officer Breakfast Club. Named to the Inman 100 list of the most influential in real estate and featured on Fox News, Frank now shares timely mortgage and real estate insights through LOBC In The News to help industry professionals stay ahead.


Home Buyers Reality Check: Mortgage Rates, Fed Cuts, and the Staggering Wealth Gap

Not everyone is in a position to buy a home right now—and that’s completely okay. But for those who can afford to purchase and are simply waiting for a better deal, this post is your home buyers reality check—in the most encouraging way possible. Mortgage rates have already dropped to their lowest levels in nearly three years, with the expected Fed rate cut already priced in. Add to that the massive wealth gap between renters and homeowners, and it’s clear: this moment offers a powerful opportunity to build financial stability through homeownership.

Mortgage Rates & the Fed: Already Priced In

Many buyers are waiting on a Federal Reserve rate cut before making a move, thinking it will bring mortgage rates down. But here’s what most don’t realize—mortgage rates have already dropped in anticipation of that move. In fact, the bond market typically reacts weeks or even months before the Fed actually takes action.

As of now, mortgage rates are at their lowest point in nearly three years. That rally didn’t happen by accident—it’s the market pricing in what it believes the Fed is going to do. So, if you’re holding out for rates to drop after the Fed makes its move, you may already be too late.

This is why industry experts stress: today’s rates are the post-cut rates. The opportunity is here, not down the road.


Homeowners vs. Renters: The Wealth Gap in Numbers

The numbers speak for themselves:

  • Median net worth:
    • Homeowners: approximately $400,000
    • Renters: just $10,400
      → That’s nearly 40 times more wealth for homeowners.
  • Average net worth:
    • Homeowners: about $1,530,900
    • Renters: around $154,900
      → That’s 10× the wealth on average.

Research from the Urban Institute and other sources confirms this stark difference. Whether you look at median or mean net worth, owning a home is a major factor in long-term financial growth. The takeaway is clear: renting may be a short-term necessity, but ownership is the long-term strategy for wealth.

The longer someone delays homeownership, the longer they delay building equity and financial security.


Loan Officer Perspective

This is an ideal moment to guide buyers toward action. Rates have already responded to market expectations, and the data shows just how much financial advantage homeownership can offer. It’s a perfect opportunity to educate clients, dispel myths about Fed cuts, and get them pre-approved before demand rises again.

Real Estate Agent Perspective

For agents, this post arms you with talking points that combine urgency and value. Use it to overcome buyer hesitation, especially for those who are “waiting for rates to fall.” You can show them they’re already there—and back it up with data that proves buying now builds real wealth over time.

Home Buyer & Seller Perspective

If you’ve been waiting for the right moment to buy a home, this could be it. Mortgage rates have already hit their low point for this cycle, and homeowners are building significantly more wealth than renters every year.

This is your home buyers reality check—a friendly nudge that the market may already be in your favor. Reach out to your loan officer or real estate agent today and talk through your options. Whether you’re buying your first home or ready to move up, the time to act is now.


Frank’s Thoughts

I’m genuinely encouraged by what this data reveals. First, mortgage rates have rarely been this favorable—waiting for “just a little more” may cost more than it gains. Second, that wealth gap is a stark reminder: homeownership isn’t simply about having a place to live—it’s a potent path to financial security.

For consumers, this isn’t just advice—it’s empowerment. You’re not just buying walls; you’re building equity, stability, and long-term prosperity. For loan officers and agents, these stats give you substance—build trust, prompt action, and serve real value to clients.

These gains don’t happen overnight. But they start with one decision—and that decision could be made today.


Frank Garay is a nationally recognized mortgage industry leader, co-founder of The National Real Estate Post and the Loan Officer Breakfast Club. Named to the Inman 100 list of the most influential in real estate and featured on Fox News, Frank now shares timely mortgage and real estate insights through LOBC In The News to help industry professionals stay ahead.


Zillow Revises Price Forecast, Buffett Bets on Builders, Housing Starts Rise—and a Must-Read for Moving Families

Zillow’s updated forecast, Buffett bets on builders, and a fresh housing starts report paint an optimistic picture for the second half of 2025. Meanwhile, a compelling AP article highlights how moves affect children, offering a valuable resource for professionals and families alike. In this roundup, mortgage and real estate pros will find timely insights and actionable angles that both inform and inspire.


Zillow Nudges Forecast into Positive Territory

Read the Full Story → Fast Company

Zillow has adjusted its U.S. home price forecast upward, now projecting a 0.4% gain through July 2026. This marks a notable shift from its previous expectation of a 1.7% decline issued just a few months earlier.

The revision comes as affordability improves modestly and buyer activity shows signs of stabilization. Stronger local price trends in markets with greater housing supply also influenced the new forecast.

While the change is modest, it reflects a broader trend of cautious optimism as the market adjusts to persistent economic pressures and inventory dynamics.



Buffett Bets on Builders with $1 Billion Investment

Read the Full Story → Realtor.com

Warren Buffett’s Berkshire Hathaway has made a bold move, investing over $1 billion in three of the nation’s largest homebuilders: D.R. Horton, Lennar, and NVR. The investments signal confidence in the long-term strength of the U.S. housing market.

Despite ongoing affordability challenges and cautious consumer sentiment, Buffett’s team is betting on the continued demand for housing and the ability of these companies to profit through new supply.

This high-profile move is already generating buzz and could boost sentiment among developers, investors, and housing professionals alike.



Housing Starts Up in July, Showing Builder Resilience

Read the Full Story → Realtor.com

New residential construction is showing signs of strength. U.S. single-family housing starts increased by 2.8% in July, reaching a seasonally adjusted annual rate of 939,000 units.

This marks a positive continuation of gradual growth in the construction sector, despite higher interest rates and tighter lending conditions. Builders are responding to demand and preparing for future buyer activity.

Regionally, the South led the way, while other areas showed more modest gains. The data suggests that homebuilders remain cautiously optimistic heading into fall.


Moving with Kids: Understanding the Emotional Impact

Read the Full Story → AP News

Moving is consistently ranked as one of life’s most stressful events, and for children, the emotional impact can be even greater. Changes in environment, routine, and school can trigger anxiety and behavioral shifts.

The article highlights advice from child development experts on how to help kids cope. Key strategies include open communication, maintaining routines, and giving children a sense of control in the process.

A recommended children’s book, Freeda the Frog Is on the Move, provides an approachable way for families to ease the transition. It’s a thoughtful tool for agents and loan officers to share with relocating clients.


Loan Officer Perspective

  • Regarding the Zillow story, “eh, so what…”—yet knowing even a slight tilt upward helps keep us well‑rounded and informed as professionals in the market.
  • Buffett investing in homebuilders? That’s a clear signal we all understand—if the Oracle of Omaha is betting big, there’s confidence in future housing strength.
  • Housing starts rising is always comforting news—it means supply is responding, which steady minds appreciate.
  • And the AP story? Absolutely great to have handy. It’s useful for realtors and loan officers to share with clients, and for parents going through a move—it shows you care about more than the deal.

Real Estate Agent Perspective

Zillow’s soft bump in pricing supports stable listing strategies. Buffett’s billion-dollar move reinforces confidence in the industry—use it as proof of market strength in client conversations. Housing starts on the rise means more inventory soon, and the AP story is a powerful piece to provide added emotional value to families with children considering a move.

Home Buyer & Seller Perspective

The market is showing signs of stability, and even industry giants like Warren Buffett are betting on housing. Builders are picking up activity, which may bring more options for buyers.


Frank’s Thoughts

Zillow’s forecast shift? Nothing groundbreaking, but it’s the kind of industry tidbit that helps us stay sharp and informed. It’s not the headline of the year, but good background knowledge for everyday conversations.

Buffett’s move into homebuilders? That’s the real headliner here. You don’t drop a billion dollars into housing unless you’re confident about where it’s going. For all of us on the front lines, it’s a major vote of confidence.

Housing starts are always worth tracking—supply is key to everything we do. And that AP story? Love it. It’s something we can genuinely share with clients to help their families—not just their finances.


Frank Garay is a nationally recognized mortgage industry leader, co-founder of The National Real Estate Post and the Loan Officer Breakfast Club. Named to the Inman 100 list of the most influential in real estate and featured on Fox News, Frank now shares timely mortgage and real estate insights through LOBC In The News to help industry professionals stay ahead.


Builder Inventory Opens the Door for Loan Officers as Housing Starts Rise and Foreign Buyers Return

Builder inventory is at a 15-year high, prompting major players like Lennar to launch investor-targeted platforms to offload unsold homes. Meanwhile, multifamily construction is fueling a national surge in housing starts, and international buyers are making a comeback in the U.S. housing market. This week’s mortgage and real estate updates highlight shifting inventory strategies, new construction momentum, and foreign capital flowing back into American real estate—all of which spell opportunity for loan officers and real estate agents alike.


Builder Inventory: Lennar’s Unsold Homes Push Builder Toward Investor Market

Read the Full Story → Fast Company

With a swelling backlog of completed but unsold builder inventory, Lennar—one of the country’s largest homebuilders—is testing a new way to move inventory. The company has launched the “Lennar Investor Marketplace,” a platform connecting mom-and-pop landlords with new homes that are ready to rent out.

The marketplace includes tools that help investors compare properties based on estimated rent, appreciation, and financing options. This move is designed to appeal to smaller investors who may not be on institutional radars but are still hungry for rental property opportunities.

Lennar’s pivot toward the investor market highlights how builder incentives and inventory-clearing strategies could create openings for mortgage professionals who can deliver qualified buyers or investor clients.


Multifamily Surge Drives Housing Starts to Highest Level Since February

Read the Full Story → MPA

U.S. housing starts rose to 1.428 million in July, a 5.2% monthly increase and the highest since February. Multifamily construction led the charge, with starts jumping to 470,000 units—marking the strongest showing for that segment in over a year.

While single-family starts saw only a modest increase to 939,000, completions in that category climbed 11.6%, reflecting a steady pipeline of new homes entering the market. Multifamily completions, however, fell nearly 3%, continuing a downward trend compared to last year.

Despite the uptick, builder confidence remains tempered due to affordability challenges, elevated mortgage rates, and buyer hesitancy, which all contribute to ongoing caution when issuing new permits.


Foreign Buyers Are Back: Existing-Home Sales to Non-U.S. Citizens Jump 33%

Read the Full Story → LinkedIn News

International buyers are showing renewed interest in U.S. real estate. Existing-home sales to foreign nationals rose 33% over the past year, according to new data—the first year-over-year gain since before the pandemic.

Florida, California, Texas, and New York remain top destinations, with foreign buyers often paying in cash and seeking second homes, rental properties, or long-term investments. This activity not only supports pricing in select markets but also creates fresh opportunities for agents and lenders.

The rebound suggests that the U.S. continues to be viewed as a stable, attractive market—especially amid global economic uncertainty.


Just Because

Radioactive Shrimp Recall Hits Walmart Freezers

Read the Full Story → SAN

In an unexpected twist far from the housing world, the FDA has issued a recall for a batch of Great Value frozen shrimp sold at Walmart. The issue? Potential contamination with cesium-137, a radioactive isotope.

The shrimp in question was distributed to 13 states and carries a “best by” date of March 2027. So far, no reports of illness have emerged, but the FDA urges consumers to dispose of the affected product immediately.

Consider it your reminder to double-check the freezer aisle—especially if you’re in the market for dinner and not just new listings.


Loan Officer Perspective

This week’s headlines offer a major opening for proactive loan officers. Builders with excess inventory—like Lennar—may be more open than ever to partnerships with outside lenders. If you can bring in buyers or investor leads, there’s a strong chance they’ll extend similar incentives to what they give in-house teams.

The uptick in multifamily starts also suggests opportunity in investor or builder finance products. Pair that with renewed interest from international buyers—who often purchase in cash or need cross-border financing expertise—and there’s plenty of room to grow your pipeline.

Real Estate Agent Perspective

If you’re an agent, this is a great time to explore builder partnerships. Builders have homes they need to move—and they may welcome agents who can match buyers or investors to that inventory. Multifamily and investor-friendly properties should be on your radar.

Foreign buyers are also back in play. Position yourself as a local expert who can help international clients navigate the process, find the right property, and connect with financing partners who understand their needs.

And yes, it may be time to ask your clients what’s in their freezer, too.

Home Buyer & Seller Perspective

Buyers, especially investors or those open to new construction, may find great deals from builders eager to move inventory. Sellers should pay attention to market shifts—particularly the uptick in new home completions that may impact resale pricing.

For foreign buyers, this is a window of opportunity to enter the U.S. market with strong potential for appreciation and rental income. If you’re thinking about buying or selling, contact the mortgage or real estate pro who shared this post. They’ll help you make sense of these shifts and guide you through your next move.


Frank’s Thoughts

I just have to believe that with all this overbuilt and aging builder inventory, now is the moment for loan officers to step in and make a difference. Builders want help moving homes—and if you bring the buyers, many will be willing to work with you on incentives or financing flexibility.

This isn’t just a theory—it’s happening now. We’ve seen Lennar launch a whole platform to attract investor buyers, and that speaks volumes about the opportunity on the table. The door is open, you just have to walk through it.

If you’re a loan officer wondering how to start building those relationships, I can’t recommend Kevin Gillespie enough. He’s been instrumental in helping LOs break into the builder space. Don’t wait—now is the time to act.


Frank Garay is a nationally recognized mortgage industry leader, co-founder of The National Real Estate Post and the Loan Officer Breakfast Club. Named to the Inman 100 list of the most influential in real estate and featured on Fox News, Frank now shares timely mortgage and real estate insights through LOBC In The News to help industry professionals stay ahead.


Why Home Values Are Rising in Some Cities and Falling in Others: Rocket’s Moves, Builder Woes, and a Fireproof Home

The story of home values rising and falling in 2025 is becoming more regional than ever. The latest data shows values increasing in the Midwest and Northeast while declining in the South and West—reshaping affordability and opportunity. Builder confidence remains weak, prompting widespread use of price cuts and incentives. Meanwhile, Rocket Companies continues its expansion with Redfin and Mr. Cooper acquisitions. And in Malibu, a modular home built to resist wildfires is changing how buyers think about high-end real estate. From affordability shifts to design innovation, here’s what’s driving this moment in housing—and what it means for professionals and consumers alike.


Home Values Rising and Falling in 2025

Read the Full Story → Zillow Research

Home values are up year-over-year in half of the largest U.S. metros—especially in the Midwest and Northeast. Cities like Hartford, Milwaukee, and Cincinnati are leading the pack with continued price gains. At the same time, metros like Austin and Phoenix are seeing prices retreat.

Nationally, the market is flat, with only a 0.2% increase in values. Mortgage costs have ticked down slightly, and inventory is rising. The shift in regional trends is giving some buyers more breathing room, while others face intensifying competition.

Sellers are feeling the pressure, with price cuts at record highs. This balance of rising and falling values shows just how localized housing has become in 2025.



Rocket Companies Delivered Strong Q2

Read the Full Story → Yahoo Finance

Rocket Companies delivered a strong Q2, beating earnings expectations with $0.04 EPS and $1.36 billion in revenue. Their financial performance was solid, but the bigger story is their rapid expansion through acquisition.

In July, Rocket completed its purchase of Redfin and is on track to finalize its Mr. Cooper acquisition later this year. These deals make Rocket one of the most vertically integrated companies in real estate and mortgage services.

These moves could trigger a new wave of competition. UWM and others may respond soon, as Rocket positions itself to become a dominant force across the housing spectrum.



Builder Confidence Still Stuck in Low Gear

Read the Full Story → Eye on Housing

The latest NAHB/Wells Fargo Housing Market Index held steady at 32 for August. That keeps builder confidence in the negative for the 16th straight month, as affordability challenges and buyer hesitation persist.

To move inventory, 66% of builders are now offering incentives, while 37% are cutting prices—numbers not seen since 2020. These tactics are helping maintain sales, even in a tough market.

Despite low confidence, builders aren’t panicking. Expectations for future sales are stable, and the rise in incentives reflects an effort to work with the market—not retreat from it.


Fire-Resistant Modular Home Debuts in Malibu

Read the Full Story → Realtor.com

In wildfire-prone Malibu, a new luxury home is turning heads for more than its ocean views. This modular residence is built with non-combustible concrete panels, fire-rated glass, and heat-resistant materials throughout.

Photo from Realtor.com

The design blends modern aesthetics with disaster resilience. Built off-site and assembled in Malibu, the home offers speed of construction without sacrificing custom quality. It’s a sign of where high-end, risk-aware housing is headed.

Priced at $3.9 million, the listing signals rising interest in homes that prioritize both beauty and protection. For buyers in high-risk regions, it’s an attractive and forward-thinking option.


Loan Officer Perspective

Buyers in regions where values are falling now have more room to negotiate. Monthly mortgage costs are easing slightly, and builder incentives offer even more leverage—great news for financing conversations.

Rocket’s expansion is big, but not something to fear. Your personal service and local expertise are things big-box lenders can’t match. This is the perfect time to remind clients why working with you adds value.

The modular Malibu home also offers a talking point with affluent clients. Disaster-resistant design is becoming more relevant, and financing innovation can be part of that conversation too.

Real Estate Agent Perspective

This regional market divide gives agents more power to tailor strategies. In appreciating markets, emphasize investment potential. In declining ones, highlight affordability and incentives.

Partnering with builders is smart right now. With price cuts and bonuses on the table, you can create real value for your clients by helping them explore new construction.

And listings like the Malibu modular home give agents a chance to stand out. Sharing forward-thinking properties—whether locally or just as content—shows clients that you’re connected to what’s next in real estate.

Home Buyer & Seller Perspective

If you’re a buyer, the power balance is shifting in your favor—especially in markets where values are falling and builders are offering deals. Lower payments and more listings mean more chances to find the right home.

For sellers, it’s all about knowing your market. In hot metros, pricing right could still spark competition. In cooler areas, you may need to be more flexible or offer incentives.


Frank’s Thoughts

Rocket and UWM never stop trading punches. Rocket’s moves this quarter are huge—Redfin and Mr. Cooper are major acquisitions that could shift how consumers experience the mortgage process. You’ve got to wonder if UWM is planning to counter.

Still, for most of us, the key is staying focused on our own clients and communities. Let the giants spar—we’ve got people to help and deals to close. Relationships still win.

And that Malibu home? Very cool. Fire-resistant, modular, and modern—an awesome example of where smart design and safety intersect. More of this, please.


Frank Garay is a nationally recognized mortgage industry leader, co-founder of The National Real Estate Post and the Loan Officer Breakfast Club. Named to the Inman 100 list of the most influential in real estate and featured on Fox News, Frank now shares timely mortgage and real estate insights through LOBC In The News to help industry professionals stay ahead.


Mansion Deals, Fed Drama, and Gen Z Doubts: What Today’s Headlines Mean for Housing

In today’s housing market, surprising contradictions abound. Our focus keyword, Gen Z homeownership, ties together a Zillow report showing sub-$1M mansions for sale with a poll revealing Gen Z’s growing belief they may never buy a home. Add to that the ongoing Fed rate drama and political moves to influence monetary policy, and the headlines tell a story of complexity—and opportunity. Whether you’re advising clients or considering a home purchase yourself, these stories reveal shifting dynamics in affordability, confidence, and control at the highest levels of the financial system.


Million-Dollar Mansions for Less Than $1M

Read the Full Story → Zillow

Zillow’s latest research reveals a surprising fact: “million-dollar mansions” are available for under $1 million in nearly 550 U.S. cities. While prices in major metro areas remain high, buyers willing to consider secondary markets can score luxury properties for much less than expected.

The data reflects how price points vary dramatically depending on location. In states like West Virginia, Mississippi, and Indiana, large homes with high-end amenities can be had for a fraction of the cost in places like California or New York.

This finding presents a significant opportunity for buyers looking for value. It also hints at broader affordability shifts that challenge the narrative that homeownership is out of reach—especially for those who are open to relocating.


Fed’s Goolsbee Signals Uncertainty Over Next Rate Move

Read the Full Story → CNBC

Chicago Fed President Austan Goolsbee expressed caution in a recent CNBC interview, emphasizing that the Fed must be careful not to act too quickly in adjusting interest rates. His remarks come amid conflicting economic signals and rising pressure to address inflation while avoiding recession.

Goolsbee noted that while inflation has cooled from its peak, it’s still above the Fed’s target. He suggested that recent data trends add complexity to the timing of any rate changes, emphasizing the need for continued monitoring.

This nuanced stance suggests that the Fed may stay in a holding pattern for now, providing some temporary stability to mortgage rates but keeping future direction uncertain.



GOP Bill Seeks to Give Trump Authority to Fire Powell

Read the Full Story → Scotsmanguide

A new bill dubbed the “Too Late Act” is making headlines for its proposal to give the president the authority to fire the Federal Reserve Chair. Sponsored by GOP lawmakers, the bill is largely seen as a move to preemptively empower Donald Trump if re-elected.

Currently, the Fed Chair serves a four-year term and can only be removed “for cause.” The proposed change would drastically alter that independence, raising concerns about political influence over monetary policy.

If enacted, the legislation could create significant volatility in financial markets and undermine the Fed’s perceived neutrality—factors that could ripple into the housing market through rate unpredictability.


Two-Thirds of Gen Z Fear They’ll Never Own a Home

Read the Full Story → Scotsmanguide

A new survey reveals that nearly 66% of Gen Z adults believe they may never own a home. The top reasons cited include high home prices, limited inventory, and rising mortgage rates, reflecting a pervasive sense of discouragement among younger would-be buyers.

Interestingly, the belief persists even as data shows pockets of affordability and alternative paths to ownership. Analysts worry this generational pessimism could suppress demand and reshape long-term housing trends if not addressed.

The gap between perception and reality suggests an urgent need for education and encouragement. Empowering Gen Z with tools and knowledge could help shift this narrative toward optimism and action.


Loan Officer Perspective

This mix of news opens several great talking points for loan officers. The Zillow mansion report is a fantastic hook for sparking conversations with buyers—especially those priced out of high-cost metros. The Gen Z story presents a golden opportunity to educate younger clients on real pathways to ownership. Meanwhile, the Fed’s uncertain stance suggests mortgage rates could stay relatively stable short-term, allowing for strategic pre-approvals and rate locks.

Real Estate Agent Perspective

Agents should seize the mansion affordability angle to highlight relocation opportunities and market niches. The Gen Z skepticism signals a need for targeted marketing and buyer education workshops. Fed-related uncertainty might slow some decision-making, but it also offers a chance to reassure clients with steady, informed guidance and long-term vision.

Home Buyer & Seller Perspective

For buyers, especially younger ones, now’s the time to look beyond the headlines. Affordable luxury exists—you just might have to expand your map. Sellers can leverage this moment too, especially in more affordable markets. If you’re wondering where to begin or whether now is the right time, contact the loan officer or real estate agent who shared this post to talk through your goals and options.


Frank’s Thoughts

The battle to control the Fed Fund Rate is really heating up, and it’s fascinating to see where this might lead. The “Too Late Act” is controversial, and I’m genuinely curious what others think—would it be a wise move or a dangerous precedent?

What stands out most to me today is the contrast between the Zillow mansion story and the Gen Z pessimism. On one hand, we have opportunities for buyers to get incredible deals on large, luxurious homes. On the other, we have a whole generation who doesn’t realize those deals are even out there.

It just goes to show how much of this business is about perception versus reality. As professionals, our job is to close that gap—and help people see what’s possible when they’re ready to take that first step.


Frank Garay is a nationally recognized mortgage industry leader, co-founder of The National Real Estate Post and the Loan Officer Breakfast Club. Named to the Inman 100 list of the most influential in real estate and featured on Fox News, Frank now shares timely mortgage and real estate insights through LOBC In The News to help industry professionals stay ahead.