There is no shortage of money. Also, banks are comfortable selling it. Homebuilding is skyrocketing, but trying to get everything married together seems like an impossible question, especially for first-time buyers (FTBs).

In a mortgage situation that changes so rapidly that the market can’t keep up, so-called non-bank lenders, financial institutions, and even credit unions replace traditional bank friendships with only three players left. It’s up to the new player.

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