The relationship between mortgage financing and the real estate market has always been central to both economic growth and individual financial security. Stanley Middleman, Founder and CEO of Freedom Mortgage Corporation, brings decades of experience in navigating this intersection. Since establishing Freedom Mortgage in 1990, Middleman has grown the company into one of the largest mortgage lenders in the country, with a focus on helping first-time homebuyers, veterans, and underserved communities achieve homeownership.

In the upcoming session, "The Intersection of Mortgage and Real Estate", Middleman will delve into the critical role mortgage financing plays in shaping not only individual wealth but also the broader real estate landscape. Homeownership, he asserts, is much more than a financial transaction. “A home is more than just a place to live,” Middleman says. “It’s where you build your family, your memories, and a sense of community.”

Middleman will discuss how Freedom Mortgage has maintained its leadership role in government-backed lending, especially through VA and FHA programs, which are crucial for expanding access to homeownership. These programs, he emphasizes, provide significant opportunities for first-time buyers and veterans, helping to stabilize the housing market by fostering homeownership among those who may not have access to conventional financing.

One of the pressing topics he will explore is the current challenge of rising interest rates and their impact on both mortgage affordability and home prices. In today’s environment, with limited housing supply and increasing costs, Middleman highlights the need for a long-term perspective. His advice to potential homeowners: “Buy a home you can afford and plan to stay in for the long term. Even if interest rates are high now, you can always refinance later. But you can’t always predict where home prices will go.”

Middleman’s session will also touch on the broader impact of mortgage lending on communities. He strongly believes that homeownership fosters stronger communities and enhances social stability. Through careful and responsible mortgage lending, Middleman’s approach ensures that the benefits of homeownership are accessible to more people, ultimately contributing to healthier, more resilient neighborhoods.

As the real estate market continues to face uncertainty, Middleman’s practical insights will provide valuable guidance for both industry professionals and prospective homeowners. His focus on long-term value, responsible lending, and community impact reflects a commitment to building a more inclusive and sustainable housing market. In a time of economic challenges, Middleman’s expertise offers a clear path forward for those looking to navigate the complexities of mortgage financing and real estate.

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During the 1RealEstateWorld | Global Real Estate Conference, Jillian Mariutti, Senior Director at JLL Capital Markets, will lead a session focused on the state of debt capital markets in 2024. As an expert in structuring real estate capital, Mariutti brings years of experience in navigating complex financial landscapes for premier owners, investors, and developers.

In this session, Mariutti will discuss key trends and developments in debt capital markets, exploring how market shifts are affecting real estate investment and financing. She will provide insights into the current lending environment, interest rate dynamics, and strategies for securing capital in a volatile market. The session will also touch on the role of global capital flows, hedging strategies, and how technology is driving efficiency in the capital markets space.

JLL Capital Markets, known for its ability to combine real estate expertise with financial advisory services, plays a critical role in connecting clients with lending sources, structuring financing solutions, and optimizing investment outcomes. Mariutti’s expertise in debt advisory will offer valuable perspectives on navigating today’s financial landscape and how real estate professionals can adapt to ongoing changes in the market.

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