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2024 brought significant shifts to the mortgage industry. From interest rate cuts to evolving borrower profiles, it was a year filled with challenges and opportunities. In this special year-end edition of the A&D Market Digest, top industry experts come together to reflect on the trends that defined the year and share valuable insights into what 2025 might hold. Key Highlights 🏡 Changes in the profile of the average borrower: how Millennials, Gen Z, Gen X, and Boomers are reshaping the market 📈 Non-QM growth: the growing demand for Non-QM products and how to meet the diverse needs of borrowers 📉 The impact of interest rate changes: refinancing and cash-out refinancing remain in high demand 🤖 Tech-driven transformation: AI-powered tools like AIM and Income Calculator streamline processes 🔍 Potential challenges and opportunities in 2025: increased competition, need for flexibility, and evolving technologies 📚 Preparing for 2025: expert advice on staying competitive and using downtime wisely #realestate #mortgage #creditscore #mortgagerates #housingmarket #nonqmloans #dscr #mortgagecalculator #itin #fico #admortgage #realestate #bankstatement #realestateinvesting _____________________________________________________________________ A&D Mortgage (NMLS # 958660) is a top wholesale and correspondent lender, bringing first class service. We are a nationwide lender able to conduct business in 40+ states. Join the more than 6,000 companies who’ve already chosen A&D Mortgage as their long-term partner to expand their pipeline! Learn About Programs: https://admortgage.com/our-programs/?... Calculate Your Loan: https://admortgage.com/?utm_source=yt... Submit Scenario: https://admortgage.com/scenario-reque... Become a Partner: https://admortgage.com/become-a-partn... Follow us where you wish: LinkedIn: / admortgage Facebook: / admortgagecompany Instagram: / admortgagellc Twitter: / ad_mortgage Threads: https://www.threads.net/@admortgagellc Telegram: https://t.me/admortgage_bot 00:00 Introduction 01:22 Changes in the borrower profile 03:17 How to prepare for a successful 2025? 04:58 Market changes in 2024 05:34 Most popular mortgage products in 2024 06:23 AI and Tech Boom in Mortgage 2024 08:25 Trends in the housing market 2025 09:24 Get more business in 2025: advice for partners, challenges, opportunities 13:02 Wrap-up & final thoughts