colorado finance summit, john stovall & john beldock
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John Stovall, Ecobrokers John Beldock, Association of Energy & Environmental Real Estate Professionals "Green Financing from the Real Estate Broker Point of View. What Will Activate the Consumer?"TRANSCRIPT
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Green Financing from the Real Estate Broker Point of View
John Stovall- EcobrokerJohn Beldock – Association of Energy Environmental Real Estate Professionals
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Green Financing from the Real Estate Broker
Point of View.
What will activate the consumer?
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Easiest & Most Effective? Which energy retrofit financing
solutions are going to be the easiest and most effective for Colorado consumers?
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Easiest & Most Effective? Rate Brain
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Easiest & Most Effective? Rate Brain Cost Brain
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Easiest & Most Effective? Rate Brain Cost Brain Qualifying Income Brain
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Portfolio for Widest Range? Which portfolio of financing
solutions can work for the widest range of Colorado consumers?
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Portfolio for Widest Range?
Yes
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Portfolio for Widest Range? Yes
Contractor financing
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Portfolio for Widest Range? Yes Contractor financing
Unsecured and/or secured solutions◦ Mortgage department?◦ Consumer lending department?
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Portfolio for Widest Range? The Credit Elephant? FHA's absence of a minimum credit
score, ◦ but with definitive criteria regarding
borrower qualifications; ◦ pride of ownership, willingness to pay, ◦ basic product design counts.
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Portfolio for Widest Range? It's going to take more work on
everybody's part to write better loans. Pioneers put their stuff in covered
wagons and pulled them a long way. It was hard work.
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successful for Colorado homeowners and homebuyers?
What's the market telling us about which financing and marketing calculus are most likely to be successful for Colorado homeowners and homebuyers?
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successful for Colorado homeowners and homebuyers?
Easiest products will succeed
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successful for Colorado homeowners and homebuyers?
Easiest products will succeed
Streamlined
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successful for Colorado homeowners and homebuyers?
Easiest products will succeed Streamlined
Volume
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successful for Colorado homeowners and homebuyers?
Use existing products (FHA, etc.) with subtle, sensitive, and effective modest adjustments
Communicate through trusted change agents
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successful for Colorado homeowners and homebuyers?
Count on lower foreclosures Enhanced community reputation for
lenders Some very happy and more
comfortable Colorado customers.
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Green Financing from the Real Estate Broker Point of View.
Thank You!