I think that we can all agree that in 2017 not a single interviewee got the answer correct to, “Where do you see yourself 5 years from now?” Heck, projections and forecasts in the first few months of 2020 didn’t foresee the drop in interest rates and rise in home values. But there some ways to influence residential lending, and have the inside track on changes coming our way, and that is through the MBA’s membership. (And no, this is not a paid ad.) The MBA is currently offering a deal: 2022 dues rate to enjoy member benefits through the close of the 2023 membership year. That is 19 months for the cost of 12 months. “Your MBA membership grants you access to education, research, committees, informational webinars, and so much more.” If you’re interested reach out to Laura Hopkins. Meanwhile, regardless of lending policies and pricing, the available inventory of homes for sale continues to be a topic of conversation. Land, lumber, and permit costs continue to be hindrances to new construction. Let’s not forget that a change in immigration policies during the Trump Administration also impacted the pool of labor and arguably housing prices. Time will tell! (Today’s audio version of the commentary is available here. This week’s is sponsored by Verity Global Solutions, an expert labor and automation solution provider that performs all non-customer-facing functions, from origination through servicing.) Lender and Broker Software and Services Northpointe Bank Correspondent Lending’s WealthBuilder program allows eligible borrowers to build equity faster with 100% financing combined with a 15- or 20- year amortization. Rather than borrowers using cash for a down payment, borrowers may apply it towards a lower interest rate and shorter loan term resulting in more dollars toward their loan principal. With loan amounts up to $975,000 and loan-to-value ratios up to 100%, Northpointe’s WealthBuilder is a great way to pay down a home loan faster and build wealth. Available in all states except New York, Northpointe Bank provides tailored solutions to maximize your profitability and help grow your business. View program details for more information or email us at correspondentsales@northpointe.com.