Navigating the Decline in Loan Origination: High-Interest Rates, Seller Financing, and Subject-To

The decline in traditional loan origination has been increasingly evident, and many attribute this trend to stringent regulations, high capital requirements, and the seasonality of the market. The scenario becomes even more complex when high interest rates enter the equation, making it difficult for both lenders and borrowers to find common ground. However, amid these challenges, alternative methods like seller financing and "subject-to" strategies are emerging as viable options to navigate high-interest rates and stringent lending conditions.

Let's explore these challenges and the potential solutions that can help you, as an agent, provide the best experience and service to your clients.