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April 4, 2025 21 mins

What does it really take to buy a home in today's market when even high earners struggle to qualify?

In this eye-opening episode of FREE GAME, hosts Terence Guess and Ed Averette welcome special guest Joy Bailey, an experienced mortgage loan officer with a decade in the industry. The conversation provides invaluable insights into the current state of the housing market, exploring the dramatic shifts that have occurred in recent years. Joy shares her transition from retail to the broker space and breaks down the harsh realities of what it takes to qualify for a home in today's market. The trio discusses common misconceptions about homebuying, the importance of financial preparedness, and why the concept of "luxury" in real estate has dramatically shifted. This episode offers a candid look at why many potential buyers are facing challenges and what they need to know to navigate the current landscape successfully.

SPECIAL GUEST: 

Joy Bailey

“The Mortgage Bawse”

Mortgage Broker

CMS Mortgage Solutions

Mark as Played

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