Overview Deborah Morton shares what conference season is signaling for 2026. She flags brokerage consolidation, the race to control consumer data, and how fast tech and AI are reshaping the business. She also explains why ongoing education protects clients, from contract updates to marketing and financing strategy. She notes 2025 saw the lowest transaction volume in over thirty years, which made affordability and condo headwinds feel even sharper for sellers.

Caller Q&A

• Dan, Augusta: Wants a path to buy in Cobb using equity from a paid-off Columbia County home. Deborah recommends shopping lenders and exploring bridge and buy-before-you-sell options.
• Jay, Locust Grove: Seller-financed home where buyers passed away. Deborah advises immediate attorney support and notes estate and tax complications.
• Anthony, Buckhead: Ten Terminus condo had few showings. Deborah cites insurance and HOA cost pressure and warns some buildings can be non-warrantable for common loan types.
• Noel, Lithonia: Considering roommates in a condo bought via NACA. Deborah says check HOA rules, keep it in writing, and stay compliant.
• Bob, East Cobb: Wants to add his son to title for easier inheritance. Deborah suggests a quickclaim deed with survivorship rights and says adding him to the mortgage is usually unnecessary.
• Anna, Jasper: Needs about $100K to finish a build after a cash-out refi on a commercial property. Deborah points to construction lending or additional commercial equity.

Looking Ahead Expect more movement in 2026 around affordability tools, lender creativity, and continuing contract updates. Deborah is watching how consolidation and data strategy affect consumers and independents. Her focus is keeping listeners informed so they stay in the driver’s seat with choices and the right experts.

Practical Tips

• If one bank says no, shop multiple lenders. Programs vary widely by underwriting.
• Ask early what loan types work for a condo building and whether it is warrantable.
• If a borrower dies and you hold the lien, get legal guidance fast and keep taxes current.
• Roommates can help affordability, but HOA covenants and parking rules can limit what is allowed.
• For estate simplification, title changes with survivorship rights can reduce probate friction.
• Build projects: compare construction financing to tapping equity in another asset.

Timestamps

• 00:03 Show open, Deborah returns from training
• 01:05 2026 outlook, consolidation watch
• 02:19 Consumer data and tech shift
• 05:22 Contract changes and why CE protects clients
• 10:10 Dan, bridge loan alternatives
• 15:30 Jay, seller financing and estate complications
• 18:01 Anthony, Buckhead condo headwinds and warrantability
• 23:37 Noel, roommates and HOA rules
• 26:44 Bob, adding a child to title with survivorship
• 28:27 Anna, funding options to finish a build
• 30:39 Wrap and how to reach Deborah