Equity Union Broker Associate 70115 Hwy 111 Rancho Mirage, CA 92270
Phone: 760-238-0552
Email: brandy@reobroker.com www reobroker com
Mike Samborn
Executive Director
REOBroker.com
All Star Real Estate Broker/Owner 108 N. Henry Street Bay City, MI 48706
Phone: 989-922-6800
Email: Mike@mikesanborn.com
ADMINISTRATOR:
Eric Lawrence Frazier
(714) 475-8629 ext 703
PRODUCTION TEAM:
•Thepowerisnowmedia.com
•Alvin Magua
•Leonna Rose Berame
TABLE OF CONTENT
• Why REOBroker?
• REOBroker Membership Form
• Editor’s Note
• About REOBroker
• Publisher’s Note
• REOBroker Media Benefit
• REOBroker Map
• REOBroker Services
• 50 States
• About Brandy Nelson
• About Mike Samborn
• About REOBroker
• Agent Spotlight
• Know the difference
• To Cut Or To Raise: The Fed’s Decision
• Top 10 Best and Worst Days to Sell a Home
• Elevated interest rates and economic uncertainty ease March home sales, C.A.R. reports
• Homeownership slips further out of reach for all California ethnic groups amid rising mortgage costs, C.A.R. reports
• ATTOM Honored as Bronze Stevie® Award Winner in 2025 American Business Awards
• FDIC Issues List of Banks Examined for CRA Compliance
• FDIC Makes Public March Enforcement Actions
• Freddie Mac Announces First Quarter 2025 Financial Results
• Mortgage Rates Continue to Decline
• Freddie Mac Issues Monthly Volume Summary for March 2025
• Freddie Mac Announces Release Date for First Quarter 2025 Financial Results
• The Secret Weapon of Successful Real Estate Agents: A Powerful Yet Affordable IDX Website
• Revolutionizing MLS Data: The Realtyna Story
• We Asked AI to Forecast Real Estate for the Next 5 Years
• 100 Real Estate Video Ideas
Asset Managers rely on REObroker.com to consistently find the nation's top REO specialists. We pre-screen our members for years of experience, training & certification, and asset manager references, holding each application to the highest standards.
The Benefits of Membership
In addition to the clear benefits of our referral network, REObroker.com members receive training, networking & advertising opportunities, and a wealth of pay-it-forward knowledge from our daily Member Discussion Forum.
REObroker.com is an esteemed designation and valuable association. Many of our members have stayed with us consistently through several REO cycles, realizing the long-term benefits.
EDITOR’S NOTE
Welcome to the Inaugural April Prototype Edition of REOBroker.com Magazine
By Brandy Nelson & Mike Samborn Executive Directors, REOBroker com
We’re proud to introduce the first edition the prototype of REOBroker com Magazine It’s not just a magazine it’s a movement.
Yes, this issue is arriving later than we planned. Still, it represents something more significant: a bold new direction for informing, connecting, and elevating professionals in the REO and default services space.
This edition is just the beginning. It’s our foundation. And we’re only going up from here.
Why This Magazine Matters
REOBroker.com is proud to be:
One of the longest-running REO trade organizations in the country
One of the few REO organizations with a complete media platform including a TV Show, Podcast, and TWO Magazines: the REOBroker.com Real Estate Magazine and the National HUD Homebuyer’s Guide
This magazine exists to:
Educate real estate professionals and the public about REO, non-performing loans, default services, and asset disposition.
Recognize and promote our top-performing REOBroker.com members and their success stories.
Add value to membership by creating a new channel for branding, business development, and market credibility.
Attract new agents and demonstrate why REOBroker.com is the gateway into the REO and default servicing industry.
This publication is just the surface. Behind the scenes, members gain access to exclusive training, coaching, asset manager connections, listings, and a robust network of REO professionals nationwide.
Member Spotlights
We are thrilled to kick off our spotlight series with two highly respected and accomplished REOBroker.com members:
Warren Adams is a seasoned REO Broker whose expertise and professionalism have made him a go-to name in the industry.
Terry Rasner, a trailblazer in Nevada REO, continues raising the standard for serving banks, servicers, and communities.
Their stories reflect the spirit of REOBroker.com resilient, skilled, and committed to the craft.
REO & Default Conferences: Past and Upcoming
Conferences are critical touchpoints for our industry. We attend them, support them, and encourage all professionals in this space to get involved.
Here’s a look at key conferences past and future:
NADP Summit – https://www.nadp.org
March 2025 – Palm Springs, CA
A premier event for default professionals, asset managers, vendors, and brokers.
MBA Servicing Solutions Conference – https://www.mba.org
February 2025 – Dallas, TX
A must-attend for anyone servicing residential and commercial loans, with a strong focus on foreclosure, forbearance, and compliance.
Commercial/Multifamily Finance Servicing & Technology Conference –https://www mba org
May 18–21, 2025 – Hollywood, FL
For servicing leaders in the commercial and multifamily space
IMN Distressed Forum for Bank Special Assets (East) – https://www.imn.org
May 2025 – San Francisco, CA
Focused on non-performing loans, REO, and bank-owned commercial assets.
Five Star Conference & Expo – https://www.fivestarconference.com
Sept 29 – Oct 1, 2025 – Dallas, TX
The flagship event in the mortgage servicing and REO world.
National gathering of private lenders note investors, and default specialists
These events are not just industry milestones they’re where REOBroker.com members connect, learn, and lead.
Moving
Forward
This Prototype Edition gives us room to grow. We may add more content or refine details. But this is the blueprint for what’s to come and future issues will be bigger, better, and more member-driven than ever.
We thank you for being part of this inaugural journey. We invite all real estate professionals looking to enter or dominate the REO space to join REOBroker com and be part of something bigger.
The future of default services is here and REOBroker.com is leading the way.
To Cut Or To Raise: The Fed’s Decision
With inflation stagnant from last month and consumer goods up 3.3% according to the latest CPI, the Federal Reserve’s Federal Open Market Committee again made the choice (for the seventh time) to leave the nominal interest rate unchanged, keeping it at a 23 year high of 5.50%.
At the beginning of the year, the FOMC predicted three interest rate cuts, but with four meetings left before the end of the year and two meetings before the November election the chances of that happening are bleak, with the FOMC now only predicting only one cut before the end of the year.
The most aggressive series of rate hikes in history ended in July 2023 when the committee held off on raising rates due to a litany of factors which consisted of 11 straight rate hikes over 15 months. Since the post-pandemic rate hikes began, the FOMC raised rates in March 2022 (+25 points), May 2022 (+50 points), June 2022 (+75 points), August 2022 (+75 points), September (+75 points), November 2022 (+75 points), December 2022 (+50 points), February 2023 (+50 points), March 2023 (+25 points), May 2023 (+25 points), June 2023 (+0 points), July (+25 points), September (+0 points), November (+0 points), December (+0 points), January 2024 (+0 points), March (+0 points), May (+0 points), and June (+0 points). This is equivalent to a rise of 5.00 percentage points in under two years.
This string of rate hikes that have occurred since the pandemic has been necessary according to the FOMC to tamp down inflation, which reached a high of 9.1% in June 2022. While inflation has eased, it is still above the committee’s target rate of 2%. However, the Fed now predicts that inflation will not come down to their 2% target until sometime in 2026.
The target rate now stands at 5.25-5.50%. The committee next convenes for its fifth meeting of 2024 on July 30-31.
Voting for the monetary policy action were Jerome H. Powell, Chair; John C. Williams, Vice Chair; Thomas I. Barkin; Michael S. Barr; Raphael W. Bostic; Michelle W. Bowman; Lisa D. Cook; Mary C. Daly; Philip N. Jefferson; Adriana D. Kugler; Loretta J. Mester; and Christopher J. Waller.
Commentary from industry leaders
Bright MLS Chief Economist Dr. Lisa Sturtevant had the following reaction to the announcement by the Federal Reserve Chair Jerome Powell:
“Surprising no one, the Federal Reserve announced no change to interest rates today. But the Fed did reflect on this morning’s report from the Bureau of Labor Statistics, which showed that consumer prices were flat between April and May, providing good news that inflation is moving in the right direction.”
“The Fed also released its economic forecasts, which show just one interest rate cut in 2024.”
“The fact that the Fed scaled back the number of rate cuts from three to one is going to disappoint those who were hoping for a summer rate drop. Mortgage rates, which have remained higher for longer, will likely remain in the high sixes until later this year. Some homebuyers who have been sidelined by affordability challenges are going to wait until rates come down to buy. Increasingly, home sellers may have to do more negotiating to attract offers.”
Top 10 Best and Worst Days to Sell a Home
ATTOM’s newly released Best Days to Sell A Home Analysis reveals that based on home sales from the past 10 years, sellers tend to see the highest premiums in May, February, and April making this month one of the most profitable times to list a home.
WATCH ATTOM #figuresfriday – Top 10 Best and Worst Days to Sell a Home
According to ATTOM’s latest analysis of over 47 million single-family home and condo sales from 2015 to 2024 properties listed in May, February, or April typically earn the highest seller premiums These early months of the year align with peak home-buying activity, presenting a strong opportunity for homeowners looking to sell.
In this post we dive into the data behind the latest ATTOM analysis to uncover the top 10 days of the year, with 100,000 or more single-family and condo sales, where home sellers are seeing the highest premiums above market value. May 27 is the best day to sell a home with a seller premium of 14 percent Followed by May 26 (13 7 percent); March 31 (12 9 percent); March 30 (12.6 percent); April 28 (12.5 percent); April 29 (12.2 percent); March 29 (12.1 percent); May 25 (12 percent); June 30 (11.9 percent); and February 24 (11.6 percent).
In this post we also dive into the data behind the analysis to uncover the top 10 days of the year, with 100,000 or more single-family and condo sales, where home sellers are seeing the lowest premiums above market value December 24 is the worst day to sell a home with a seller premium of 3.5 percent. Followed by December 26 (4.2 percent); November 6 (4.5 percent); November 13 (4.6 percent); December 4 (4.6 percent); September 11 (4.6 percent); October 2 (4 7 percent); October 9 (4 7 percent); December 31 (4 8 percent); and October 23 (5.0 percent).
ATTOM’s annual best days to sell a home analysis calculates the premium or discount paid on a given day, ATTOM compared the median sales price for homes with a purchase closing on that day with the median automated valuation model (AVM) for those same homes at the time of sale.
Elevated interest rates and economic uncertainty
ease March home sales, C.A.R. reports
Existing, single-family home sales totaled 277,030 in March on a seasonally adjusted annualized rate, down 2.3 percent from 283,540 in February and up 4.9 percent from 264,200 in March 2024.
March’s statewide median home price was $884,350, up 6.7 percent from February and up 3.5 percent from $854,370 in March 2024.
Year-to-date statewide home sales were up 1.9 percent.
LOS ANGELES (April 17) – California home sales dialed back slightly in March as consumers grow increasingly concerned about their financial outlook in the year ahead, the CALIFORNIA ASSOCIATION OF REALTORS® (C.A.R.) said today.
Closed escrow sales of existing, single-family detached homes in California totaled a seasonally adjusted annualized rate of 277,030 in March, according to information collected by C.A.R. from more than 90 local REALTOR® associations and MLSs statewide. The statewide annualized sales figure represents what would be the total number of homes sold during 2025 if sales maintained the March pace throughout the year. It is adjusted to account for seasonal factors that typically influence home sales.
March’s sales pace fell 2 3 percent from the 284,540 homes sold in February and was up 4.9 percent from a year ago, when a revised 264,200 homes were sold on an annualized basis. Despite a continued bounce back in sales since the beginning of 2025, the level of homes sold remained below the 300,000 mark for the last 30 months. With tariff threats and recession fears growing and home buyer optimism fading, home sales could remain soft in the months ahead
Pending home sales across the state declined in March for the fourth straight month, reflecting continued weakening in housing sentiment. Fluctuating mortgage rates and rising recession fears likely contributed to the drop in demand. With rates expected to remain volatile, pending sales may stay soft as the spring homebuying season begins.
"Home sales slowed in March as both buyers and sellers grew more concerned about the ongoing tariff situation and its potential impact on their personal finances," said C.A.R. President Heather Ozur, a Palm Springs REALTOR®. "With uncertainty weighing on those still striving for the American Dream, this is an important time for REALTORS® to use their expertise to guide clients through the challenges."
The March statewide median price climbed 6.7 percent from $829,060 in February to $884,350 in March and 3.5 percent from $854,370 in March 2024. The year-over-year increase was the 21st straight month of price gains, but the improvement continued to be mild. On a monthly basis, the March median price jumped from the prior month, but the monthly improvement was slightly below the 10-year historical average increase of 7.7 percent recorded between February and March. The statewide median price should continue to climb in the next few months if it follows its seasonal pattern, but price growth in the second quarter could remain modest as market uncertainties and economic concerns linger on.
“Despite mortgage rate swings and financial market volatility, housing conditions remained stable in March,” said C.A.R. Senior Vice President and Chief Economist Jordan Levine. “Although slower open-escrow sales point to a sluggish start for the spring season, increased inventory and modest price growth offer hope for buyers seeking more options and improved affordability.”
Other key points from C.A.R.’s March 2025 resale housing report include: Sales in three of the five major California regions declined from a year ago on an unseasonally adjusted basis, while sales in the other two increased mildly. The Central Coast region recorded the biggest sales drop from last year with a decrease of 6.7 percent in sales, followed by the Far North (-1.2 percent) and Southern California (-0.4 percent). Sales of existing single-family homes continued to climb year over year in the San Francisco Bay Area with a strong 6.5 percent increase as three out of nine counties in the region posted a double-digit sales surge from a year ago. Sales in the Central Valley region (2.5 percent) also inched up from last year, but the increase was not as robust.
Thirty-one of the 53 counties tracked by C.A.R. registered sales increases from a year ago, with more than half (17) of them surging by more than 10 percent on a year-overyear basis. Siskiyou (44.4 percent) posted the sharpest sales increase from a year ago, followed by Tehama (40 percent) and Tuolumne (40 percent). Home sales declined from last year in 20 counties, with sales in 10 of them falling by more than 10 percent. Del Norte (-61.1 percent) registered the biggest sales drop in March, followed by Trinity (-60 percent) and Mariposa (-48 percent) All three counties have had a rough first quarter so far this year, with sales in each of them dropping by more than 25 percent on a year-to-date basis for the first three months of 2025.
At the regional level, all five major California regions registered a median price increase from last year, but the increases were mild except for one region The Central Coast region, again, had the largest price growth from a year ago at a jump of 16.6 percent, as prices in both Santa Barbara and San Luis Obispo counties within the region surged by double-digits. The Central Valley (3.4 percent) came in second, followed by the Far North (3.4 percent), Southern California (3.3 percent) and the San Francisco Bay Area (1 percent).
Home prices increased on a year-over-year basis in three-fourths of the California counties, with March’s median sales prices rising from their year-ago levels in 39 of the 53 counties tracked by C.A.R. Mendocino (48.2 percent) posted the biggest price jump of all counties last month, while prices in both Santa Barbara (38.8 percent) and Tehama (24 percent) surged from their year-ago levels by more than 20 percent. Thirteen counties registered a drop in their median price from a year ago, with Del Norte falling the most at 51.5 percent, followed by Plumas (-27.5 percent) and Mariposa (-18.3 percent).
Following the typical seasonal pattern, March’s unsold inventory index (UII) declined from the prior month as sales pace picked up at the end of the first quarter. The statewide Unsold Inventory Index (UII), which measures the number of months needed to sell the supply of homes on the market at the current sales rate, dipped month over month but grew solidly from its year-ago level as more new listings hit the market. The index was 3.5 months in March, down from 4.0 months in February and up from 2.6 months in March 2024.
Total active listings in March rose on a year-over-year basis at the fastest pace since January 2023 The level of active listings last month reached a six-month high and recorded the 14th consecutive month of annual gains in housing supply.
Homeownership slips further out of reach for all California ethnic groups amid rising mortgage costs, C.A.R.
reports
Less than one-fifth (18 percent) of all Californians earned enough income to support the purchase of an $865,440 statewide median-priced detached home in 2024, down from 19 percent in 2023.
Among ethnic groups in California, 21 percent of White households could afford a median-priced home in 2024. In comparison, only 10 percent of Black and 9 percent of Hispanic/Latino households had the same ability. Meanwhile, 27 percent of Asian households could afford a median-priced home.
Assuming a 20 percent down payment on a $865,440 median-priced home, a minimum annual income of $221,200 was needed to make monthly payments of $5,530, including principal, interest, and taxes on a 30-year fixed-rate mortgage at a 6.84 percent interest rate.
Multimedia: 2024 Housing Affordability by Ethnicity motiongraphic
LOS ANGELES (April 24) – Buying a home in California became less affordable for all ethnic groups last year, as interest rates remained elevated and the typical monthly mortgage payment for a median-priced detached home rose 6 percent compared to the previous year, the CALIFORNIA ASSOCIATION OF REALTORS® (C A R ) said today
Eighteen percent of all Californians earned the minimum income needed to purchase a median-priced home in 2024, down from 19 percent in 2023 At the same time, housing affordability for White/non-Hispanic households fell from 23 percent in 2023 to 21 percent in 2024. In 2024, 10 percent of Black households and 9 percent of Hispanic/Latino households could afford a median-priced home figures that remained unchanged from the previous year. The significant difference in housing affordability for Black and Hispanic/Latino households illustrates the homeownership gap and wealth disparity for communities of color, which could worsen as the economy slows and rates remain elevated in 2025. Housing affordability was better for Asians but also declined from the prior year, with the index registering 27 percent of Asian homebuyers who could afford the median-priced home in 2024, down from 29 percent in 2023, according to C.A.R.’s Housing Affordability Index.
Housing affordability gaps narrowed again last year but remained wide as home prices increased and mortgage rates remained elevated. The affordability gap between Black households and the overall population in California narrowed from 8.9 percentage points in 2023 to 8.0 percentage points in 2024, while the gap for Hispanics/Latinos improved from 9.4 percentage points in 2023 to 8.3 percentage points in 2024. While interest rates are projected to dip slightly in 2025, the gap in housing affordability among ethnic groups will likely remain wide this year as home prices are expected to grow moderately in the next 12 months.
According to the Census Bureau’s American Community Survey, the 2023 homeownership rate for all Californians was 55.9 percent, 64.4 percent for non-Hispanic Whites, 61.5 percent for Asians, 45.9 percent for Hispanics/Latinos and 36.6 percent for Black households.
In an effort to address California’s growing housing affordability crisis and racial homeownership divide, C.A.R. continues to partner with nonprofit housing organizations to provide closing cost grants up to $10,000 for eligible first-time home buyers from an underserved community. Since its inception in 2022, C.A.R.’s Housing Affordability Fund’s Pathway to Home Closing Cost Assistance grant program has provided closing cost grants totaling $3 million for 312 first-time home buyer households from an underserved community throughout California. By the end of 2025, C.A.R. expects to have provided a total of $4 million to 415 first-time home buyer households since inception of the program.
A minimum annual income of $221,200 was needed to qualify for the purchase of an $865,440 statewide median-priced, existing single-family detached home in 2024. The monthly payment, including taxes and insurance on a 30-year, fixed-rate loan would be $5,530, assuming a 20 percent down payment and an effective composite interest rate of 6 84 percent The 2024 California median income for Whites was $111,680, $128,720 for Asians, $82,660 for Hispanics/Latinos and $70,220 for Black households an income gap of nearly 30 percent that of the overall population, which was $99,310.
At the national level, 54 percent of Asian households and 41 percent of non-Hispanic White households could afford to buy a U.S. median-priced single-family home in 2024. Meanwhile, only 32 percent of Hispanic/Latino households and 24 percent of Black households could afford to buy a U.S. median-priced home.
C.A.R.’s Housing Affordability Index (HAI) measures the percentage of households that can afford to purchase a median-priced, single-family home in California C A R also reports affordability indices for regions and select counties within the state The index is considered the most fundamental measure of housing well-being for home buyers in the state.
Key points from C.A.R.’s 2024 Housing Affordability by Ethnicity report include:
Of the major regions where C.A.R. tracks affordability by ethnicity, the affordability gap between Black households and the overall population in 2024 was the largest in Contra Costa (-14 percent), Kern (-13.4 percent) and San Francisco (-13.1 percent). Other counties that had a double-digit affordability gap for Black households include San Mateo (-11 4 percent) and Santa Clara (-10 7 percent) The affordability gaps between Black households and the overall population at the state and the nation were -8 percent and -13.9 percent, respectively.
For Hispanic/Latino households, the affordability gap was the biggest in Santa Clara (-10.3 percent), Contra Costa (-10.2 percent) and Solano (-9.8 percent). The affordability gaps between Hispanic/Latino and the overall population at the state and the nation were -8.3 percent and -6.2 percent, respectively.
At an affordability index of 5 percent, San Mateo was the least affordable county for Black households, while San Joaquin (34 percent) and Fresno (31 percent) were the most affordable counties for the ethnic group
The least affordable counties in 2024 for Hispanic/Latino homebuyers were Orange County (7 percent), Los Angeles (8 percent) and San Mateo (8 percent). Conversely, the most affordable were San Bernardino (32 percent), Kern (30 percent) and Fresno (28 percent).
For Asian households, Orange County was also the least affordable, with 14 percent earning the minimum income required to buy a median-price home. Kern was the most affordable county with 59 percent of Asian households having the minimum income required to buy a median-priced home.
Orange County was the least affordable county for non-Hispanic White households, with 15 percent earning the minimum income required to buy a median-price home. Fresno was the most affordable at 43 percent.
Leading the way…® in California real estate for 120 years, the CALIFORNIA ASSOCIATION OF REALTORS® (www.car.org) is one of the largest state trade organizations in the United States with 200,000 members dedicated to the advancement of professionalism in real estate. C.A.R. is headquartered in Los Angeles.
Neighborhood Navigator: Offers deep insights into U.S. neighborhoods including school ratings, amenities, and demographics via embedded tools that enhance customer engagement.
Building Footprints Dataset: Uses AI to deliver precise outlines for 187 million buildings, supporting urban planning, valuation, and risk analysis.
“Organizations across the United States continue to demonstrate resilience and innovation,” said Stevie Awards president Maggie Miller. “The 2025 Stevie winners have helped drive that success through their innovation, persistence, and hard work. We congratulate all of the winners in the 2025 ABAs and look forward to celebrating their achievements during our June 10 gala event in New York.”
About the Stevie Awards
Stevie Awards are conferred in nine programs: the Asia-Pacific Stevie Awards, the German Stevie Awards, the Middle East & North Africa Stevie Awards, The American Business Awards®, The International Business Awards®, the Stevie Awards for Women in Business, the Stevie Awards for Great Employers, the Stevie Awards for Sales & Customer Service, and the Stevie Awards for Technology Excellence. Stevie Awards competitions receive more than 12,000 entries each year from organizations in more than 70 nations. Honoring organizations of all types and sizes and the people behind them, the Stevies recognize outstanding performances in the workplace worldwide. Learn more about the Stevie Awards at http://www.StevieAwards.com.
About ATTOM
ATTOM powers innovation across industries with premium property data and analytics covering 155 million U.S. properties 99% of the population. Our multi-sourced real estate data includes property tax, deed, mortgage, foreclosure, environmental risk, natural hazard, neighborhood and geospatial boundary information, all validated through a rigorous 20-step process and linked by a unique ATTOM ID.
From flexible delivery solutions such as Property Data APIs, Bulk File Licenses, ATTOM Cloud, Real Estate Market Trends to AI-Ready datasets, ATTOM fuels smarter decisionmaking across industries including real estate, mortgage, insurance, government, and more
Let’s be real. You’ve probably found a few homes you like online, even if we haven’t chatted about them yet.
But here’s the thing: You can’t control when the right home shows up – but you can be ready for it
Truthfully, if you’re just browsing, you should still get pre-approved.
Even if you’re not ready to buy right now, that’s okay. Let’s just have a conversation to make sure you're set up for success when the right one comes along
What’s one of the smartest things you can do even before you're ready to buy? Get pre-approved.
While it may sound like something you can wait and do until after you’re serious, waiting too long is a mistake.
Doing this essential step early on gives you clarity on what you can borrow, your realistic price range, and what your future monthly payment could be When you know your numbers – and you’ve been cleared financially by a lender – you can act quickly when the right home hits the market
Even if you’re just thinking about looking or casually starting a search, DM me and let’s chat. This way, you’re not falling in love with homes that are outside of your price range – or missing out on ones that aren’t.
FDIC Issues List of Banks Examined for CRA Compliance
WASHINGTON - The Federal Deposit Insurance Corporation (FDIC) today issued its list of state nonmember banks recently evaluated for compliance with the Community Reinvestment Act (CRA). The list covers evaluation ratings that the FDIC assigned to institutions in February 2025.
The CRA is a 1977 law that requires the FDIC to assess a bank’s record of meeting the credit needs of its entire community, including those of low- and moderate-income neighborhoods, consistent with safe and sound operations. As part of the Financial Institutions Reform, Recovery, and Enforcement Act of 1989 (FIRREA), Congress mandated the public disclosure of an evaluation and rating for each bank or thrift that undergoes a CRA examination on or after July 1, 1990.
You may obtain a consolidated list of all state nonmember banks whose evaluations have been made publicly available since July 1, 1990, including the rating for each bank, or obtain a hard copy from FDIC's Public Information Center, 3501 Fairfax Drive, Room E-1002, Arlington, VA 22226 (877-275-3342 or 703562-2200).
A copy of an individual bank's CRA evaluation is available directly from the bank, which is required by law to make the material available upon request, or from the FDIC's Public Information Center.
FDIC Makes Public March Enforcement Actions
WASHINGTON - The Federal Deposit Insurance Corporation (FDIC) today released a list of orders of administrative enforcement actions taken against banks and individuals in March 2025. There are no administrative hearings scheduled for May 2025.
The FDIC issued 16 safety and soundness orders in March 2025. The administrative enforcement actions in those orders consisted of one consent order, one order of termination of insurance, three orders terminating consent orders, four orders to pay civil money penalties, and seven orders terminating a total of 101 waiver orders under Section 19 of the FDI Act, 12 U.S.C. § 1829 (Section 19 waiver orders).
To view orders, adjudicated decisions and notices and the administrative hearing details online, please visit the FDIC’s Web page by clicking the link below.
Freddie Mac Announces First Quarter 2025 Financial Results
MCLEAN, Va., May 01, 2025 (GLOBE NEWSWIRE) --
Freddie Mac (OTCQB: FMCC) today reported its First Quarter 2025 financial results and filed its Quarterly Report on Form 10-Q with the U.S. Securities and Exchange Commission. The company’s Form 10-Q and earnings press release, along with the First Quarter 2025 financial results supplement are available now on the Investor Relations page of the company’s website.
The company will hold a call at 9 a.m. Eastern Time (ET) today, May 1, 2025, to share its results with the media. The call will be concurrently webcast, and the replay will be available on the company’s website for approximately 30 days.
Freddie Mac’s mission is to make home possible for families across the nation. We promote liquidity, stability and affordability in the housing market throughout all economic cycles. Since 1970, we have helped tens of millions of families buy, rent or keep their home.
Mortgage Rates Continue to Decline
MCLEAN, Va., May 01, 2025 (GLOBE NEWSWIRE) -- Freddie Mac (OTCQB: FMCC) today released the results of its Primary Mortgage Market Survey® (PMMS®), showing the 30-year fixedrate mortgage (FRM) averaged 6.76%.
“Mortgage rates again declined this week,” said Sam Khater, Freddie Mac’s Chief Economist. “In recent weeks, rates for the 30-year fixed-rate mortgage have fallen even lower than the first quarter average of 6.83%.”
News Facts
The 30-year FRM averaged 6.76% as of May 1, 2025, down from last week when it averaged 6.81%. A year ago at this time, the 30-year FRM averaged 7.22%.
The 15-year FRM averaged 5.92%, down from last week when it averaged 5.94%. A year ago at this time, the 15-year FRM averaged 6.47%.
The PMMS® is focused on conventional, conforming, fully amortizing home purchase loans for borrowers who put 20% down and have excellent credit. For more information, view our Frequently Asked Questions.
Freddie Mac’s mission is to make home possible for families across the nation. We promote liquidity, stability and affordability in the housing market throughout all economic cycles. Since 1970, we have helped tens of millions of families buy, rent or keep their
Recession talk is heating up – but what does that mean for housing? Here’s what historical data tells us.
If a recession happens, many people assume home prices will crash like they did in 2008 But history tells a different story
In 4 of the last 6 recessions, home prices actually went up. That means 2008 was the exception, not the rule. During recessions, prices usually follow whatever path they’re already on And, right now, prices are still rising nationally
How does knowing home prices haven’t typically dropped in past recessions change the way you think about buying or selling?
While we’re still below pre-pandemic inventory levels, the number of homes with a for-sale sign in the yard is going up by the day And breathe a little sigh of relief, because they’re taking a few days longer to sell, too
Not only does that give you more choices when you move, it means you have more time to make thoughtful decisions while you’re at it. And oh, by the way – there will be demand for your house when you move because buyers are heating up right now Win Win So, if you pressed pause on your search last year because you couldn’t find the right fit, this could be your moment to start looking again.
What will it take to reignite your home search? Let me know, and we’ll make it a priority
Freddie Mac Announces Release Date for First Quarter 2025 Financial Results
MCLEAN, Va., April 30, 2025 (GLOBE NEWSWIRE) --
Freddie Mac (OTCQB:FMCC) announced today that it plans to report its First Quarter 2025 financial results before the U.S. financial markets open on Thursday, May 1, 2025.
The company will hold a call at 9 a.m. Eastern Time (ET) on Thursday, May 1, 2025, to share the company’s results with the media. The call will be concurrently webcast, and the replay will be available on the company’s website for approximately 30 days. All materials related to the call will be available on the Investor Relations page of the company’s website.
Freddie Mac’s mission is to make home possible for families across the nation. We promote liquidity, stability and affordability in the housing market throughout all economic cycles. Since 1970, we have helped tens of millions of families buy, rent or keep their home.
BLO REALE
How You Save Money While Gaining More Business
For as little as $99 per month (depending on MLS pass-through fees) plus an optional setup fee of $850, you can have a high-performance real estate website that helps you close at least one extra deal per year likely more. This isn’t just about having an online presence; it’s about building trust, capturing leads, and positioning yourself as an expert in your market.
1. Drastically Reduce Server Costs
Traditional IDX solutions require significant server resources to store MLS data and images, making hosting expensive. With MLS Router™ API, your site fetches realtime listings without the need for a massive database, reducing hosting/database maintenance costs and improving site speed.
2. SEO That Works & A Quick Setup
A website is only valuable if people can find it. MLS on The Fly™ ensures that your property listings are SEO-optimized, helping your site rank higher on Google and attract more organic traffic. Plus, since this solution integrates seamlessly with WordPress, you can have your website up and running within days not weeks or months.
3. The Power of WordPress: The Best CMS for Real Estate
Although MLS Router™ API is platform agnostic, meaning it can run on any frontend technology, there’s a reason over 40% of the web runs on WordPress it’s flexible, scalable, and easy to manage. With MLS Router™ API and MLS on The Fly™, you get all the benefits of WordPress while enjoying a seamless MLS integration without being locked into a restrictive proprietary system.
The Bottom Line: Your Website Should Work for You And Pay for Itself
Let’s put things into perspective. Even if your website helps you close just **one extra deal per year**, it more than pays for itself. The cost of a proper MLS-integrated website is negligible compared to the commissions you’ll generate.
Revolutionizing MLS Data: The Realtyna Story
At Realtyna, we’ve always been driven by a simple yet powerful goal: to empower real estate professionals with the best technology for MLS data integration. Our journey began with a groundbreaking innovation that changed the way brokers and agents showcased their MLS data online. But like any visionary company, we didn’t stop there. We’ve continued to push boundaries, evolving our technology to make it faster, smarter, and more accessible. This is the story of how we went from pioneers of Organic MLS Integration to creators of the gamechanging MLS Router™ API.
The Birth of Organic MLS Integration
Years ago, the real estate industry faced a frustrating challenge: displaying MLS data online while maintaining SEO benefits. Back then, many providers offered iframe-based solutions that, while simple, came with a serious drawback: SEO loss. Search engines recognized iframe-based pages as external content, giving them little to no SEO value.
Realtyna identified this pain point and introduced Organic MLS Integration, a technology that changed the game. For the first time, agents and brokers could replicate MLS data directly onto their websites, ensuring the content was fully indexable by search engines. The result? A huge boost in SEO performance, making agent and broker websites far more discoverable by potential clients.
Organic MLS Integration became a roaring success, giving Realtyna’s clients a competitive edge that iframe solutions simply couldn’t match.
The Growing Pains of Success
While Organic MLS Integration was revolutionary, it came with its own set of challenges:
Server Demands: Replicating MLS data required significant server resources, especially for websites with high traffic or large MLS datasets.
Complex Setup: Implementing Organic MLS Integration often took 4-8 weeks of technical work, including setting up databases, optimizing servers, and managing data flows.
Ongoing Maintenance: Keeping the system running smoothly demanded regular updates, monitoring, and technical expertise, adding to the cost and complexity for clients.
For many, the benefits of Organic MLS Integration outweighed the costs, but Realtyna knew there had to be a better way – something that combined the SEO advantages of Organic MLS Integration with a simpler, faster, and more cost-effective solution.
The Evolution: MLS Router™ API
Realtyna’s answer to these challenges was the MLS Router™ API, a cutting-edge technology that reimagines MLS data integration from the ground up.
A New Way Forward
With MLS Router™ API, we’ve eliminated the need for data replication and heavy server infrastructure, making it possible to serve MLS data directly to websites and applications without a database. But that’s not all – it also preserves the full SEO benefits that our clients loved about Organic MLS Integration.
What Makes MLS Router™ API Different?
Lightning-Fast Setup: What once took 4-8 weeks to configure can now be up and running in just days.
Platform Agnostic: Whether you’re using WordPress, React, Wix, or any other platform, MLS Router™ API seamlessly integrates with your system.
Server-Light Solution: By feeding MLS data directly to your website without replicating it, the need for costly servers and maintenance is dramatically reduced.
SEO Benefits, Simplified: Your website still gets the same SEO advantages as Organic MLS Integration, ensuring your content ranks high on search engines.
Pioneering Again: Unified MLS Feeds
Realtyna didn’t stop at simplifying integration. We also solved a long-standing industry challenge: managing multiple MLS feeds. Many brokers and agents work across different MLSs, each with unique data structures, rules, and access levels. Previously, integrating multiple MLSs meant juggling separate credentials and configurations – a logistical nightmare.
MLS Router™ API introduced a revolutionary feature: the Unified Feed of Multiple MLSs.
One
Set
of Credentials: Access all your MLS data with a single login.
Dynamic Payload Delivery: The API automatically adjusts to each MLS’s unique rules, ensuring compliance with IDX and VOW requirements.
Scalable and Flexible: Add new MLSs to your system without additional complexity, all while maintaining blazing-fast performance.
This innovation makes Realtyna the only company in the industry offering such a unified, dynamic solution.
Transforming Real Estate Websites in Days
The impact of MLS Router™ API is hard to overstate. Real estate professionals can now build websites that:
Load MLS data in milliseconds, even with complex queries.
Serve property images through fast CDN, enhancing user experience. Require minimal setup and maintenance, freeing up time and resources.
What once required weeks of effort, heavy servers, and constant upkeep can now be achieved in days –and at a fraction of the cost.
We Asked AI to Forecast Real Estate for the Next 5 Years
In an industry as dynamic as real estate, predicting what the future holds is always a blend of insight, intuition, and, increasingly, artificial intelligence. At Realtyna, we wanted to take this concept further by asking advanced AI systems Gemini and ChatGPT to give their own take on where real estate is headed over the next five years. With rapid changes in technology, economy, and global mobility, there’s a lot to consider.
In this article, we present both the text and image versions of their responses. Each AI provides its unique perspective, combining data analysis, market trends, and economic indicators.
Let’s dive in to see what the future of real estate could look like, according to AI.
Forecasting the US Real Estate Market for the Next 5 Years
Disclaimer: While I can provide a comprehensive analysis based on current trends and historical data, predicting the future of the real estate market involves numerous variables that can change unexpectedly. Economic conditions, interest rates, demographic shifts, and global events can all significantly impact market dynamics.
Key Factors Influencing the US Real Estate Market
Interest Rates: The Federal Reserve’s monetary policy plays a crucial role. Higher interest rates typically lead to increased mortgage costs, which can reduce demand for homeownership. Conversely, lower interest rates can stimulate the housing market.
Economic Conditions: The overall health of the economy, including job growth, GDP, and consumer confidence, directly affects the housing market. A strong economy can drive demand for housing, while a recession can lead to a slowdown.
Demographics: The aging population, coupled with the preferences of younger generations, can influence housing demand. For example, the trend towards remote work may increase demand for suburban or rural properties.
Supply and Demand: The balance between the supply of available homes and the demand from buyers is a fundamental driver of market prices. A shortage of housing can lead to increased prices, while an excess of supply can put downward pressure on prices.
Government Policies: Government regulations, such as tax incentives or restrictions on foreign investment, can impact the housing market.
c. Recession Risk
The likelihood of a recession or economic downturn within the next five years is real. A recession would dampen housing demand and possibly lead to price corrections in overheated markets. During such periods, home prices might stagnate or even decline as buyers pull back, especially if unemployment rises. However, historically, real estate has been a resilient asset during downturns, often recovering faster than other sectors.
2. Housing Supply and Demand Dynamics
a.
Housing Inventory Shortages
The U.S. has faced chronic underbuilding since the 2008 financial crisis, creating an ongoing supplydemand imbalance. This shortage is particularly severe in affordable housing.
Supply-chain disruptions and labor shortages that emerged during the pandemic are expected to ease somewhat, but regulatory challenges, especially zoning restrictions, will continue to limit new housing supply.
Builders may focus more on multifamily housing (apartments, condos) to cater to rising demand in urban and suburban areas, where affordable housing options are sparse. With millennials and Gen Z entering their prime home-buying years, there will be sustained demand. However, affordability will remain a key challenge, particularly in major cities.
b. Regional Variability
Expect continued regional variation. Sunbelt states (Florida, Texas, Arizona) will remain attractive due to lower taxes, favorable climate, and job growth, especially in tech and remote-friendly sectors.
Coastal cities like San Francisco, New York, and Los Angeles may see price stagnation or modest declines, partly due to outmigration trends accelerated by remote work, as well as rising costs of living and regulatory hurdles.
Secondary cities like Austin, Nashville, Charlotte, and Raleigh could see significant growth, driven by affordability and job opportunities. These cities attract younger demographics and startups.
3. Technological Disruption
a. Remote Work and Hybrid Work Trends
The pandemic has permanently shifted work behaviors, with remote and hybrid work remaining popular. This trend will reshape residential demand patterns over the next five years.
Suburban and exurban areas will continue to benefit as workers seek larger homes with more space for remote work. We’ll likely see further “urban sprawl” as workers prioritize affordability and lifestyle over proximity to the office.
As companies continue to adjust to flexible work, office spaces in central business districts may see declining demand, impacting commercial real estate but boosting residential in suburban markets.
4. PropTech and Real Estate Innovation
PropTech (property technology) is transforming real estate, from digital mortgage platforms to AIdriven valuation tools. These technologies will streamline the buying and selling process, improving market transparency and efficiency.
Innovations like 3D printing in home construction and modular homes may help ease supply issues, though these technologies are unlikely to have widespread impact by 2029. However, energyefficient homes and sustainability-focused developments are becoming increasingly important, especially with stricter environmental regulations.
5. Government Policies and Legislation
a. Housing Affordability and Policy Initiatives
Affordable housing will remain a major political issue. Federal, state, and local governments may introduce policies aimed at boosting housing affordability through zoning reforms, subsidies, or public-private partnerships.
1.Over the next five years, we could see increased investment in multifamily housing projects or incentives for builders to create more affordable units.
Rent control measures are also likely to expand in certain high-cost cities, impacting rental markets. However, these policies can sometimes reduce the incentive for developers to build new units, further exacerbating supply shortages.
b. Tax Policies
Tax policy changes, particularly around property taxes and capital gains, could influence market behavior. Any significant changes in the mortgage interest deduction or real estate investment tax laws could lead to fluctuations in housing investment demand.
If governments increase property taxes, particularly in wealthier states, this could push more buyers toward lower-cost regions, reinforcing migration patterns toward the Sunbelt or Midwest.
5. Demographic Shifts
a. Aging Population
The aging baby boomer population may lead to a significant amount of housing inventory becoming available as they downsize or move into retirement homes. However, this trend will not be evenly distributed across markets. Expect active adult communities and senior living facilities to increase in demand.
b. Millennials and Gen Z Buyers
Millennials are now the largest demographic in the U.S. and are entering their prime home-buying years. Gen Z is close behind, and over the next five years, these younger generations will drive much of the housing demand.
Many of these buyers will likely favor suburban and affordable urban areas, focusing on affordability and lifestyle factors (proximity to schools, parks, work-from-home space).
6. Commercial Real Estate (CRE) Outlook
The commercial real estate market will experience ongoing challenges, particularly in the office sector, due to remote work trends. Many companies will shrink their physical office footprints, leading to vacancies and price reductions in urban office buildings. However, industrial and warehouse spaces will remain in high demand as e-commerce continues to grow. Logistics centers and distribution hubs, especially in regions near major transportation routes, will be highly sought after.
Mixed-use developments will gain more traction, blending residential, retail, and office spaces in ways that cater to post-pandemic living and working trends.
Conclusion: U.S. Real Estate Outlook (2024-2029)
Over the next five years, the U.S. real estate market will face significant challenges and opportunities. Key takeaways include:
1.Higher interest rates and elevated prices will constrain home affordability, leading to slower price growth in many markets, especially coastal and high-cost areas. Regional disparities will grow, with the Sunbelt and secondary cities gaining more traction.
2.Supply shortages will persist, particularly in affordable housing, despite possible government interventions. Multifamily housing will expand as developers cater to renters and lower-income buyers.
3.Technology and remote work will continue reshaping demand patterns, with suburban and exurban areas thriving. Smart home technology and PropTech innovations will streamline real estate processes, enhancing efficiency.
4.Demographic forces including millennials and Gen Z buyers will drive demand, but affordability will be the key constraint. Aging baby boomers may free up some inventory but will not significantly ease shortages.
5.Commercial real estate will evolve, with office space demand shrinking but industrial/logistics and mixed-use properties gaining strength.
100 Real Estate Video Ideas
We are all tired of reading extra texts, so we decided not to have them here and just jump into the ideas!
Property Showcase Videos
1. Home Tour Walk viewers through every room and feature of a listed property.
2. Virtual Open House Give viewers a live, interactive look at the property.
3. Drone Footage Tour Use aerial footage to showcase the property’s exterior and surrounding area.
4. 360° Virtual Tour Provide an immersive experience with a full 360° video of the home.
5. Before and After Renovation Highlight transformation by showing how the property looked before and after renovations.
6. Luxury Property Showcase Focus on high-end, luxury properties and their unique features.
7. Newly Constructed Home Tour Showcase newly built homes and their modern features.
8. Historical Home Tour Feature historic homes and emphasize their unique architecture.
9. Small Space Living Show how smaller properties or apartments can still offer luxury or comfort.
10. Unique Home Features Showcase unusual or creative features in a home (e.g., secret rooms, smart technology).
11. Waterfront Property Tour Emphasize homes with stunning water views or beach access.
12. Mountain Retreat Tour Showcase homes located in scenic, mountainous areas.
13. Eco-Friendly Property Tour Highlight properties with sustainable or green building features.
14. Pet-Friendly Home Tour Show homes with features that cater to pet owners, like large yards or pet doors.
15. Ranch or Farm Tour Showcase rural properties with vast land and agricultural potential.
16. Luxury Condo Tour Highlight the best features of high-end condominiums.
17. Loft Space Tour Take viewers through modern or industrial loft spaces.
18. Apartment Building Tour Show off available units in a multi-family apartment complex.
19. Historic Building Renovation Tour Show the transformation of old buildings into modern living spaces.
20. Neighborhood Overview Highlight the key features and amenities of the surrounding neighborhood.
21. School District Tour Focus on homes in areas with highly rated schools.
22. Local Parks & Recreation Show nearby parks, trails, and outdoor activities that make the area appealing.
23. Walkable Community Tour Highlight communities with easy access to shops, cafes, and entertainment by foot.
24. Urban Living Tour Show what it’s like living in a vibrant, bustling city neighborhood.
25. Suburban Living Overview Focus on peaceful, family-oriented suburban communities.
26. Downtown Living Tour Highlight homes near downtown areas with access to restaurants, culture, and nightlife.
27. Commuter-Friendly Neighborhoods Show neighborhoods with easy access to public transit or highways.
28. Gated Community Tour Highlight the amenities and security of living in a gated community.
29. Golf Course Community Tour Focus on homes located near or on a golf course.
30. Beachfront Community Tour Showcase homes in beachside communities with coastal amenities.
31. Historic District Tour Highlight homes in a town’s historic district.
32. Local Market Update Provide an overview of housing market trends in a specific neighborhood or city.
33. Restaurants and Nightlife Highlight the best dining and nightlife spots near the property.
34. Family-Friendly Neighborhood Show homes in neighborhoods with parks, schools, and amenities tailored for families.
35. Pet-Friendly Community Tour Highlight parks, pet stores, and homes in pet-friendly neighborhoods.
36. Quiet Country Living Show properties in peaceful, rural areas away from the hustle and bustle.
37. Outdoor Enthusiast Neighborhood Focus on neighborhoods near hiking, biking, and outdoor activity areas.
38. Green Community Tour Highlight eco-conscious neighborhoods with sustainable living features.
39. Client Testimonial Interview happy clients about their experience working with you.
40. Agent Introduction Video Introduce yourself and explain your expertise and services.
41. Behind-the-Scenes with a Real Estate Agent Show what your typical day looks like as a real estate agent.
42. Client Success Stories Share stories of clients who found their dream home with your help.
43. Agent Team Introduction Introduce your team members and explain how each contributes to the process.
44. Why Choose Us? Explain why clients should choose you over other realtors.
45. First-Time Homebuyer Success Story Highlight the journey of a first-time homebuyer.
46. Investor Testimonial Feature investors who have benefited from working with you.
47. Agent’s Advice for Buyers Offer your professional advice on what buyers should focus on.
48. Agent’s Advice for Sellers Provide your insights on how sellers can best market their property.
49. Client Closing Experience Showcase a client’s closing day excitement and their thoughts on the process.
50. Agent FAQ Answer common questions about the home buying or selling process.
51. What I Love About My Job Share what makes being a real estate agent fulfilling for you.
52. How I Help Clients Explain how you assist clients through each step of the buying/selling process.
53. Real Estate Agent Interview Feature an interview with another agent or industry expert.
54. Meet the Team Introduce your real estate team members and their roles.
55. My Journey into Real Estate Tell your story of how you got into the real estate business.
56. Agent’s Community Involvement Highlight how you give back to the local community.
57. What Sets Our Team Apart Discuss what makes your real estate team unique.
58. First-Time Seller Success Story Interview a client who successfully sold their home with your help.
59. How to Prepare Your Home for Sale Provide tips on getting a home ready for the market.
60. Steps to Buying a Home Break down the home-buying process step by step.
61. Understanding Closing Costs Explain what closing costs are and how they affect buyers and sellers.
62. Mortgage Pre-Approval Process Discuss the steps buyers need to take to get pre-approved for a loan.
63. Real Estate Market Update Provide current information about the local housing market trends.
64. Common Real Estate Mistakes Highlight common mistakes buyers and sellers make and how to avoid them.
65. Home Staging Tips Offer advice on how to stage a home to attract buyers.
66. How to Negotiate in Real Estate Give tips on negotiating the best deal when buying or selling a home.
67. Investing in Real Estate Provide an overview of how to get started in real estate investing.
68. Understanding Home Inspections Explain the importance of home inspections and what buyers should look for.
69. The Importance of Curb Appeal Show how improving curb appeal can make a home more marketable.
70. How to Sell Your Home Fast Offer strategies for selling a home quickly in any market.
71. Tips for First-Time Homebuyers Provide valuable tips for those entering the housing market for the first time.
72. What to Know About Real Estate Contracts Break down the key elements of a real estate contract.
73. Real Estate Terms Explained Explain common real estate jargon in simple terms.
74. Home Maintenance Tips Provide seasonal or year-round home maintenance advice.
75. How to Increase Your Home’s Value Share tips for improving a home’s value before selling.
76. Real Estate Investment Strategies Discuss various strategies for successful real estate investing.
77. How to Choose a Real Estate Agent Provide tips for finding the right real estate agent to work with.
78. Pros and Cons of Renting vs. Buying Explain the benefits and drawbacks of renting versus owning a home.
79. Home Highlight Reel Create a quick, engaging reel showcasing a property’s best features.
80. Real Estate Market Predictions Offer insights into future trends in the housing market.
81. Behind the Scenes of a Home Sale Show the steps behind preparing and selling a home.
82. How to Market a Home Online Discuss strategies for marketing properties through digital platforms.
83. Social Media Home Tour Give a live or pre-recorded home tour specifically for social media.
84. Holiday-Themed Home Tours Showcase homes decorated for specific holidays to create a festive feel.
85. Interactive Q&A Session Host a live Q&A session about the home buying/selling process.
86. Interview with a Local Business Feature local businesses that add value to the community where you sell homes.
87. How We Sell Homes Explain your unique process for listing and selling properties.
88. Open House Event Preview Create a video invite to promote an upcoming open house event.
89. Virtual Walkthrough Create an interactive virtual walkthrough that viewers can explore at their own pace.
90. Themed Open House Host an open house with a creative theme (e.g., wine tasting, BBQ) and capture it on video.
91. Real Estate Photography Tips Share tips on taking high-quality photos that sell homes faster.
92. Time-Lapse of a Home Renovation Show a property’s transformation through time-lapse footage.
93. Celebrity Home Comparison Compare the listed property with homes owned by celebrities.
94. Real Estate Myths Debunked Address common misconceptions about the real estate industry.
95. Day in the Life of a Homebuyer Follow the journey of a homebuyer from house hunting to purchase.
96. Holiday Home Selling Tips Provide specific advice for selling homes during the holiday season.
97. Virtual Reality Home Tour Use virtual reality to allow viewers to explore a home as if they were there in person.
98. Home Listing Promo Create a short, eye-catching promo video for a newly listed property.
99. Real Estate Quiz Create an interactive quiz about buying, selling, or real estate trends.
100. Seasonal Home Tours Showcase homes during different seasons to highlight how they change yearround.
SPOTLIGHT
WarrenAdams
Warren Adams has defined what it means to be an elite REO broker for over four decades. A founding member of REOBroker.com since 1994, Warren has built a reputation rooted in efficiency, integrity, and service excellence. Based in the Sacramento region, he remains the top REO agent across five counties, trusted by asset managers, financial institutions, and government agencies alike
"Warren is a real estate professional with exceptional knowledge in the REO industry from over 30 years of experience. He has been a valuable member of our organization and never hesitates to assist and help others in the group if needed "
Mike Samborn, mike@mikesamborn.com
��
A Career Born from Determination
Warren’s real estate journey began right after high school in 1978. With a choice between college or launching a career, Warren decided to pursue real estate “Flipping burgers wasn’t a career,” he recalls, grinningly Initially drawn to architecture, Warren ultimately chose sales and never looked back.
Since then, he’s become a powerhouse in the REO space especially with Fannie Mae, Freddie Mac, HUD, and dozens of private lenders He’s known for his swift assessments, handling of evictions, and securing vacant properties, followed by seamless rehab oversight with his long-standing network of vendors.
