Lunch & Learn: The State of Housing

As housing supply dwindles, affordability concerns grow while competition heats up the market. This Lunch & Learn will examine the current state of housing, featuring experts who have an eye on the market.

HousingWire Annual Virtual Summit

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Winning in a red-hot purchase market

HousingWire’s Digital Media Manager Alcynna Lloyd joins Courtney Graham and Bill Dallas as they share the latest updates on the housing market and how they’re winning in a red-hot purchase market. Courtney Graham is the chief marketing officer at Princeton Mortgage and Bill Dallas is currently the president of Finance of America Mortgage.

Here is a small preview of the session, which has been lightly edited for length and clarity:

Alcynna Lloyd: First, let’s define a hot market. What makes this current market so unique?

Courtney Graham: I think year over year, you know, inventory is down, or down at least 40% inventory year over year, home prices keep rising. Over 50% of home offers that are accepted are above the asking price. And we just keep seeing that the median home price just keeps increasing.

Bill Dallas: You know, I like the sound bites that some of the economists use that, you know, we have a million listings, and we have 1.2 million realtors. And you just sort of look at it, two to two and a half months on the market is unheard of, four to six months is more standard. I don’t think I’ve ever seen multi offers, with over sales price bidding on everything.

Alcynna Lloyd: Let’s switch from borrowers and talk about marketers specifically. How do marketers help the referral partners while still being careful to be compliant? What’s important?

Courtney Graham: I think one thing that that’s kind of come up more recent than not, and we talk a lot about it, I think, because, again, hot-purchase market, there is a lot of emotions in it. And one thing that has become really popular as of recent, it was popular before, but I think even now it’s becoming, even more, is this idea of some sort of cover letter to the offer.

Bill Dallas: One of the things is the stuff that, like Courtney said, you say with your referral source, the things that you do together with your referral source have to be compliant today for mortgage people. And the concern you have in a love letter, you could have a disparate impact, you could add disparate treatment. I mean, I see all kinds of things in these letters.

Watch the full session below. To go back to the full HousingWire on demand summit, go here.


  • Bill Dallas, President, Finance of America Mortgage
  • Courtney Graham, Chief Marketing Officer Princeton Mortgage
  • Alcynna Lloyd, Digital Media Manager, HousingWire

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