Orange County Housing Market Update: Mortgage Lending Trends and Analysis

Hey there, it's Justin from JK Mortgage, and today the focus is on the Orange County Housing Market Update and the intricate Mortgage Lending Trends and Analysis that are shaping the real estate landscape in the area.

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The video discusses the tightening lending guidelines of big banks like Wells Fargo and Chase, requiring hefty deposits of $1 million for premium mortgage rates. It explores the difference between high balance and jumbo loans, shedding light on the lending game of larger properties. The video also highlights the role of Golden 1 Credit Union and its absence of the competitive 5-year jumbo ARM. Shocking news about US Bank's change in funding loans is revealed. The video features agent partner Casey Chumley from Fresno, CA, sharing a recent success story. The content emphasizes key points by repeating them three times, urging viewers to like, comment, and subscribe for more updates.
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Welcome to our latest YouTube video where we dive deep into the Orange County Housing Market Update! Stay tuned as we explore the intricate Mortgage Lending Trends and Analysis that are shaping the real estate landscape in this vibrant area.

The video covers a range of topics, including the tightening lending guidelines by major banks like Wells Fargo and Chase, leading to potential homebuyers facing new challenges. We also highlight the shift towards requiring hefty deposits of $1 million to secure premium mortgage rates.

The video explores the contrasting aspects of high balance vs. jumbo loans, providing insights into the financing of larger properties and shedding light on the competitive landscape. Additionally, the lesser-known player, Golden 1 Credit Union, is spotlighted for its unique approach in the lending market. We also reveal surprising news about US Bank's changing approach to funding loans, sharing this shift with viewers.

As the video concludes, it introduces Casey Chumley, an agent partner, and showcases a recent success story. We emphasize their comprehensive analysis of the Orange County Housing Market Update and the captivating Mortgage Lending Trends and Analysis shared throughout the video. Viewers are encouraged to engage with the content by liking, commenting, and subscribing for further updates.

Timestamps:
0:00 - Intro
0:25 - Lending Trends in Orange County and Dallas
1:05 - Big banks dominating jumbo market
2:17 - UWM's approach to jumbo products
3:23 - Winning formula for writing offers
4:38 - Strategic approach in different markets
6:00 - Example of timing in writing offers
6:38 - Agent recommendation for Fresno/Clovis
7:52 - Detailed pre-approval process
9:41 - Emphasizing the importance of extra effort

#OrangeCountyRealEstate #MortgageLendingTrends #HousingMarketAnalysis

Justin Kautz
JK Mortgage & Relocation Specialist
CA TX TN GA FL - coming soon: OK LA AL
NMLS: 913358 CA/DRE: 01447986
Call or Text: (559) 679-5730
jk@justinkautz.com
3242 E Coast Hwy
Corona Del Mar, CA 92625
Spot ON Lending, Inc./Full Service Mortgage Group
NMLS:02066654 | 60DBO-154093
Georgia & Texas NMLS#1767407
Florida NMLS#MBR5826 Tennesse NMLS# 1243230