Welcome to MBA Education’s Convergence: Understanding and Serving Today’s Buyer webinar. A recording of the webinar will be sent later today. If you have issues with listening through your computer, please dial into the Zoom number provided. Thank you for joining us and enjoy today’s session!

Great to see you Carmen! Met you a few years ago at NAHREP in SLC, UT.

Hi Candice, Glad you are on today.

So excited for the presentations today. Hi Carmen!

Hi Marlana.

Can you share this data after the presentation. Would love to utilize for our Affordable Housing Initiatives in Ohio.

Great information! Will you be sharing presentations? Would love to share with lenders and especially the Realtor CE Course about demystifying Affordable Housing. Great resource!

The presentation was included in the initial logistics email today and will be included again in the email later when you recieve the recording link!

Do you see a trend in 1st time buying of MH as affordable housing? Especially for single woman making this home buying investment?

Thank you Jessica, I definitely fit into this category. Even though I have good credit score and no bad marks. I see a lot of MH on the market while searching and it seems a viable option when weighing out long term investment.

Can any of you give lenders a couple suggestions for increasing minority homeownership. Products alone haven't done the job! We need to find a way so that less borrowers fall in the gap!

and thank you Carmen for your in put. This entire housing market is critical that we have resources like you to learn and navigate. I have never seen anything like this in all my years as a renter.

How do you see the interest rate effecting the home buying process for minorities?

Special Purpose Credit Programs are a valuable tool to help close the racial homeownership and wealth gaps. www.spcptoolkit.com

Some feedback I've received from lenders is that GSE's are encouraging Special Purpose Credit Programs & lenders are interested, however aren't seeing much detail on how or what is acceptable. Lenders are looking for guidance.

I commend the industry participants in the shift to collaborating resources, research, tools and efforts to address homeownership disparities. We can reach so many more by adding spokes to the wheels rather than recreating the wheels. It also provides more creditability to resources.

Carmen can you elaborate on what version of the credit scoring models Freddie or the GSE's are using in their automated and manual assessment of borrower credit decisioning.

Great job!

Laurie thanks for the link on Special Purpose.

You're welcome!

Great job thank you everyone wonderful information

great information

Yes thank you so much all of you for your time and valuable information.

Great info! Excellent job!

Great job!... Thanks

Thank you!

Excellent Presentation!

Excellent presentation