The current landscape for Home Equity Investments (HEIs) reveals a significant disconnect between homeowner demand and available capital for funding. HEI originators, like mortgage shops, profit from a spread but face a backlog due to traditional debt options like HELOCs that raise monthly payments and strict credit checks excluding many homeowners. This leaves billions in home equity untapped, highlighting the urgent need for stable funding sources, potential innovation, and regulatory shifts, perhaps in cryptocurrency, to meet homeowner needs effectively.
HEI originators face a disconnect between homeowner demand for equity funding and insufficient capital sources, leading to substantial waitlists of homeowners eager for loans.
Homeowners are reluctant to tap into their home equity due to high costs and strict credit requirements, resulting in billions of dollars in untapped potential.
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