Seems like they are running a Pawn Shop, homeowners in Austin/Miami/Tampa etc who need cash bad sell a "HomeShare", percentage of their equity in their home for a discount, with a term of 10 yrs, if the homes go up in value as they have since 2011/2012 then NADA gets the original equity already at a premium price plus any appreciation for the total percentage they bought from the homeowner, but since Austin now down 20% in last 12 months and other hot home markets may also continue to fall, and NADA does not engage in price discovery (ie shopping for best value) as they want to obtain a "Market Value - ETF like" of the cities they invest in.

As well as coffee shops like Bottoms Up Coffee are moving in and small microbreweries like brew dog and land grant.

I want to shop other lenders- should I use a broker to assist?

About 15-20% of our inquiries come from direct buyers and most are not pre-approved... just window shopping. 

That should ease as the spring season comes into full swing and rates are a bit more stable.I love BG, have family there and do my shopping there as well. 

When people are not skiing, they are hiking, sight seeing, shopping, and tubing. 

Don’t hesitate to reach out with questions or just to talk shop. 

For example, as most Pm's do I will Secret Santa shop around my market to see what competitors pricing and value propositions are.

I am currently in the process of two single-family builds in Florida and would love to answer any questions or just talk shop whenever.Keep an eye on the trending articles because we pretty much all have the same questions and this community is great about giving well-thought-out and relevant responses. 

This will lead to buyers with less representation, and irresponsible offers without the guidance of a buyer agent I can see agreed-upon prices exceeding the compatible sales and deals that have appraisal issues, and/or buyers who agree to terms they would not agree to if they had representation.Other buyers will shop for representation based on price.