@Carlos Scarpero Hi Carlos! I hope you're doing well. I’ve been meaning to connect with you and sent over an email. When you get a moment, I’d love to chat with you privately—feel free to message me. Thanks so much!

Use this thread to introduce yourself to this group. What brings you to this group and what are you looking to get from being a member here?

- Recent headlines claim there are 500,000 more home sellers than buyers, sparking fears of a housing market crash. However, these numbers are likely inflated. - Trusted sources like Realtor.com and the National Association of Realtors (NAR) provide data that contradicts Redfin’s study, showing significantly fewer active listings. - Redfin’s own forecast predicts only a minor 1% price decline over the next year — far from a market crash. - The U.S. housing market is not a single national market; regional differences are huge, with some areas experiencing low inventory and high demand. - Current market conditions are creating new opportunities for buyers, especially those seeking seller concessions, renovation loans, and VA financing. - Buyer demand remains strong due to solid demographics, and while interest rates are currently higher, they are expected to decline eventually, bringing buyers back. If you’ve been paying attention to recent housing market news, you’ve probably seen headlines claiming that there are 500,000 more home sellers than buyers on the market. This alarming statistic, originally reported by Redfin, has ignited widespread fears of a looming housing crash. But before you panic or make any big decisions, it’s important to take a closer look at the data and understand what’s really happening behind the scenes. As a mortgage expert licensed in 33 states and deeply involved in real estate markets across the country, I want to break down these claims and share insights from trusted sources like Realtor.com and the National Association of Realtors (NAR). These organizations provide a much clearer and more accurate picture of the current housing landscape. Let’s dive in. See the full blog post

🎉 Great News for Veterans! 🏠 The VA Home Loan Program Reform Act has officially become law as of July 30, 2025! This game-changing legislation gives the VA powerful new tools to protect veterans from foreclosure and keep them in their homes. ✅ What's new? - VA can directly help prevent foreclosures by making payments to lenders. - New mandatory steps must be taken by lenders to help veterans avoid foreclosure. - A Partial Claim Program is now available, allowing the VA to cover a portion of overdue balances to help veterans get back on track. This new law took effect immediately—meaning veterans facing mortgage struggles can access these benefits NOW. If you're a veteran with a VA home loan and you're having difficulty with payments, reach out to your loan servicer or the VA directly to explore your options under this new law. Let's spread the word and support our veterans in maintaining homeownership! As always feel free to reach out with any questions. #Veterans #VAloans #HomeOwnership #VeteranSupport #MortgageAssistance

My name is Carlos and I am the host of this group. I'm a mortgage loan officer based in Dayton, Ohio and mostly do VA loans. I also have a popular YouTube channel on the topic of VA home loans. Feel free to connect with me at: https://www.scarpero.com https://www.youtube.com/@HomeLoansByCarlosScarpero