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Page de couverture de Navigating Real Estate in a Low Inventory Market: Mortgage Strategy, VA Loans, FHA Options & More with Keller Williams Agent Lorie O’Neill

Navigating Real Estate in a Low Inventory Market: Mortgage Strategy, VA Loans, FHA Options & More with Keller Williams Agent Lorie O’Neill

Navigating Real Estate in a Low Inventory Market: Mortgage Strategy, VA Loans, FHA Options & More with Keller Williams Agent Lorie O’Neill

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 In this episode of The Living Room, Harrison “The Real Mortgage Guru” Schwartz welcomes seasoned real estate agent Lorie O’Neill of Keller Williams to break down the current real estate landscape in New Jersey and Pennsylvania. From inventory shortages and interest rates to buyer’s agency agreements and VA/FHA lending options, this conversation is your crash course on navigating the chaos with confidence. Whether you're a first-time homebuyer or a real estate veteran, this discussion offers grounded insights into mortgage strategy, market psychology, and what it really takes to win in today’s competitive environment. 🎯 Major Themes & Concepts: 🔄 Buyer fatigue & decision-making under pressure 📉 The impact of falling interest rates on purchasing power 📝 Buyer’s agency agreements & compensation updates 💰 FHA, VA, and Non-QM loan breakdowns 📊 How agents and lenders collaborate under contract pressure 🏡 Navigating multiple offers with 0% down and DPA programs 💼 Lorie’s background in pharma & how it shapes her real estate success 🔄 How today’s market compares to 2008 (and why it’s not a repeat) 🤝 Importance of buyer education, trust, and running toward problems, not away ⏱️ Chapter Breakdown: 00:11 – Intro & Welcome to Lorie O’Neill 01:42 – What’s Happening in the Market Right Now 05:30 – The Buyer Side: Fatigue, Low Inventory & High Competition 09:10 – Seller Advantages & Shifting Market Trends 12:00 – Importance of Pre-Approval & Client Coaching 14:50 – New Buyer Agency Agreements & Compensation Shifts 17:45 – Mortgage Collaboration: Winning in a Multi-Offer Environment 21:20 – Lorie’s Real Estate Journey & Transition from Pharma 26:55 – Lending Practices: Then vs. Now (2008 vs. 2024) 31:00 – FHA, VA, DPA Programs, and Non-QM Options 36:35 – Structuring Competitive Offers Without Big Down Payments 40:05 – The Risk of Last-Minute Lender Changes & Contract Violations 45:10 – What Cash Offers Look Like Post-COVID 48:50 – Luxury Buyers: Loans vs. Cash in Today’s Market 52:00 – Rate Drops, Client Communication & The Psychology of Homebuying 58:05 – Areas Lorie Covers in PA & NJ + Shore Expansion 59:55 – Wrap-Up, Art Credit to Peyton, and What’s Next 🤝 Work with Harrison: 📞 Mortgage Guidance – Book a call with Harrison, The Real Mortgage Guru 🤝 Work with Lorie O’Neill: 📍 Keller Williams Real Estate – Licensed in PA & NJ 🧭 Luxury Concierge Real Estate Services 📞 Contact Lorie – For buyer/seller consultations or referrals 📍 Coverage: Bucks County, Philadelphia, Monmouth, Ocean, Avalon, Cape May & more 🛠️ Resources & Recommendations: 📘 HUD.gov – Info on FHA loans and down payment assistance 💻 VA.gov – VA home loan benefits and eligibility 📊 Mortgage Rate Tracker – Check daily trends on interest rates 📈 Freddie Mac PMMS – Weekly average mortgage rates and data Production, Distribution, and Marketing By Massif Studio & Production & The Tallawah Group Website: www.massifsp.com LinkedIn: Massif Studio & Production Website: www.TallawahWorldwide.com LinkedIn: The Tallawah Group For inquiries about sponsoring the podcast, email hello@MassifKroo.com. Learn more about your ad choices. Visit megaphone.fm/adchoices
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