Capital Markets & Home Ownership ft. David Battany

The MikedUp Show

In this episode of The MikedUp Show, we sit down with David Battany, the Executive Vice President of Capital Markets at Guild Mortgage, to unpack key trends and challenges that will define the housing industry in the years ahead. David’s 30+ years of experience give him unparalleled insight into how the mortgage market will evolve, especially as we look toward 2025. The housing crisis remains one of the most pressing issues in the country, and David discusses the role a new White House administration will play in shaping the future of homeownership.

A key focus of the episode is affordable housing and how the industry can overcome its over-reliance on credit scores as the primary determinant for mortgage eligibility. David highlights that 22% of potential buyers fall below the 620 credit score threshold or lack credit history altogether, but many are financially stable, with high incomes and cash reserves. David argues for leveraging digital data to paint a fuller picture of these individuals’ financial health, which could help close the affordability gap.

David also touches on the importance of financial literacy in ensuring people stay in their homes after purchasing them. Once someone owns a home, they not only build wealth but also become more invested in their community. This episode delves into how homeownership drives wealth creation, helps close the wealth gap, and strengthens neighborhoods.

Join us for an in-depth conversation with one of the mortgage industry’s leading experts, where we cover everything from the future of housing policy to the critical need for financial literacy. Whether you're a lender, homebuyer, or industry professional, this episode is packed with insights that will shape the future of homeownership in the U.S.