BND: Strategy Room Bonus - 7%+ mortgages, untapped equity, and new credit scoring models!

This video is a clip from BND: Strategy Room Live Stream on October 4, 2026. The residential real estate market is dealing with a lot of challenges at the moment. Interest rates for a 30-year mortgage are well over 7.00%. This exacerbates the affordability issue. The residential market is also dealing with rising prices and the ‘lock in effect’, where property owners have locked in mortgages rates between 3-4% and do not want to lose those fixed rates. Residential homeowners currently have trillions of dollars in equity, but they will not unlock that equity by selling or taking out home equity loans because of the current interest rates. Furthermore, the FHFA has introduced Vantage score as an alternative credit scoring model that can be used in underwriting residential mortgages through Fannie Mae and Freddie Mac.