
Ep. 36 | Homeownership, Community and the American Dream: Thinking Outside the Box to Make Homeownership Possible for More Families
Emma Wildermuth sits down with David Battany, Director of Capital Markets at Guild Mortgage and former chair of the Mortgage Bankers Association's Residential Board of Governors, to unpack what's driving the housing affordability crisis. David breaks it down to a "math problem": rising home prices, climbing payments, and down payment barriers, made more urgent by a Fed study showing 39% of U.S. adults couldn't cover a $1,000 emergency expense. David shares how Guild's new equity-share mortgage lowers monthly payments by having a private investor cover a large share of a home's upfront cost in exchange for future appreciation. He also points to regulatory fees as a hidden cost driver, citing NAHB data showing they can add roughly $131,000 to a $500,000 home — mostly from local and state rules — that get passed straight through to buyers. On rates, David points to oil prices and the federal deficit as key pressures, recommends watching the 10-year Treasury as a leading indicator, and pushes back on foreclosure-wave fears, noting most homeowners today carry solid equity, unlike 2008. He and Emma close by emphasizing the power of industry advocacy and local civic engagement in tackling affordability. #ShinnGroup #BuilderofChoice #HousingAffordability #MortgageRates #GuildMortgage #HomeBuying 👉 Check Out David Battany on Social: 🔗 LinkedIn: linkedin.com/in/david-battany-5506212 👉 Discover More About Guild Mortgage Company: 🔗 LinkedIn: linkedin.com/company/guild-mortgage-company/ 🔗 YouTube: @guildmortgagecompany 🔗 Facebook: facebook.com/GuildMortgageHome 🔗 Instagram: instagram.com/guildmortgageco?igsh=MWVseW5ibzFhbG11dw== 🔗 Website: guildmortgage.com 👉 Check out Shinn Group and Subscribe: 🔗 LinkedIn: https://www.linkedin.com/company/the-shinn-group/ 🔗 YouTube: https://www.youtube.com/@theshinngroup 🔗 Facebook: https://www.facebook.com/theshinngroup 🔗 Instagram: https://www.instagram.com/theshinngroup1 🔗 Twitter: https://x.com/builderpartners 🔗 Website: https://theshinngroup.com/
















