ATTENTION: SOON-TO-BE HOME BUYERS

HOW COVID-19 AND SHELTER IN PLACE CHANGED MORTGAGE AND REAL ESTATE AND HOW YOU CAN PREPARE!

THE SECRETS AND INSIGHTS FROM AN INDUSTRY EXPERT
THAT WILL ONLY APPLY FOR THE NEXT FEW MONTHS!

5.0  ★★★★★  Top Reviewed

“HOME BUYING AND A GLOBAL PANDEMIC 
SAYS IT ALL…

A “no nonsense” examination of the current state of the mortgage industry and the pandemic’s affects upon it. Simple, right to the point and in language everyone can understand. An important read for anyone considering a home loan.

Shaun D.

Home Buying and a Global Pandemic says it all. Werdmuller writes about what’s going on and what it takes to navigate the often confusing labyrinth of the mortgage world. He is clear, concise and no nonsense. A must read for anyone considering buying a home in this crazy market. I found the explanation of the how’s and why’s interest rates fluctuate particularly informative. Werdmuller’s decades of experience shine in this quick read. This book receives my highest recommendation as a must read!

Dobro G.

Who could have predicted how the pandemic would affect the housing market? Getting a mortgage in the Bay Area is challenging under normal circumstances, so this book is a great resource to navigate the market in a pandemic. It takes you through the process of getting preapproved for a mortgage in a pandemic market including all the current lending guidelines. The information was easy to understand, well presented and had a personal touch, which is important especially during these challenging times. It’s good to feel connected. This book will guide you through buying a home during a pandemic.

Claire H.

Wow, this book is very refreshing, relatable, authentic, and informational. In a world of big banks that make you feel like you are just a number, I now have a better understanding of how to navigate in this climate and where to find the resources I’m looking for.  I highly recommend you give this book a thorough read.

Norman K.

Garrick [the author] is a genius when it comes to knowing how to navigate this crazy market. High recommended (Home Buying and a Global Pandemic) super helpful guide if you’re looking to purchase a home in 2021! 

Jessica D.

March 2020 in a nutshell

“THE TIPPING POINT”

The first part of 2020 started off strong in real estate and lending. Real estate prices were relatively level, and rental markets appeared to be robust and gain traction. But lingering concerns about a new virus, COVID-19, spread quickly.

Up until March, real estate and mortgage markets continued to see steady growth. It appeared to be business as usual. The homeownership rate seemed to climb slightly, or, at the very least, remain stable.

Fast-forward to the middle of March, the World Health Organization (WHO) had already declared COVID-19 a public health emergency in response to the exponential increase positive cases globally.

In mid- to late-2019, mortgage rates hit an inflection point and were gradually leveling out, but by March they began a downward trajectory. The average thirty-year fixed rate mortgage hovered around 3%. Everything seemed favorable. It was business as usual.

It wasn’t until March 13, 2020, that the market took a turn. President Trump issued a national emergency in response to the coronavirus pandemic, which subsequently unlocked billions in federal funding to help combat the encroaching virus.

Financial markets began reacting with hyper-volatility as uncertainty and speculation loomed over the US economy. Businesses began closing, stay-at-home orders went into effect, and mortgage rates (like rates in other markets) began to climb.

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