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?"

Published in: Real Estate
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Colorado Finance Summit, John Stovall & John Beldock

  1. 1. Green Financing from the Real Estate Broker Point of View John Stovall- Ecobroker John Beldock – Association of Energy Environmental Real Estate Professionals
  2. 2. Green Financing from the Real Estate Broker Point of View. What will activate the consumer?
  3. 3. Easiest & Most Effective?  Which energy retrofit financing solutions are going to be the easiest and most effective for Colorado consumers?
  4. 4. Easiest & Most Effective?  Rate Brain
  5. 5. Easiest & Most Effective?  Rate Brain  Cost Brain
  6. 6. Easiest & Most Effective?  Rate Brain  Cost Brain  Qualifying Income Brain
  7. 7. Portfolio for Widest Range?  Which portfolio of financing solutions can work for the widest range of Colorado consumers?
  8. 8. Portfolio for Widest Range?  Yes
  9. 9. Portfolio for Widest Range?  Yes  Contractor financing
  10. 10. Portfolio for Widest Range?  Yes  Contractor financing  Unsecured and/or secured solutions ◦ Mortgage department? ◦ Consumer lending department?
  11. 11. 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.
  12. 12. 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.
  13. 13. 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?
  14. 14. successful for Colorado homeowners and homebuyers?  Easiest products will succeed
  15. 15. successful for Colorado homeowners and homebuyers?  Easiest products will succeed  Streamlined
  16. 16. successful for Colorado homeowners and homebuyers?  Easiest products will succeed  Streamlined  Volume
  17. 17. successful for Colorado homeowners and homebuyers?  Use existing products (FHA, etc.) with subtle, sensitive, and effective modest adjustments  Communicate through trusted change agents
  18. 18. successful for Colorado homeowners and homebuyers?  Count on lower foreclosures  Enhanced community reputation for lenders  Some very happy and more comfortable Colorado customers.
  19. 19. Green Financing from the Real Estate Broker Point of View. Thank You!

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