Kevin Fiske - Mutual of Omaha

Ray Hall - Ray Hall Appraisals

Kevin - loan programs now have safeguards in place to prevent crashes of the past

-Kevin has lots of programs for all types of buyers...vets, seniors, 1st timers...etc

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Ray - feels the safeguards and trends will help prevent a market crash like 2007

-Ray discusses values in the Bay, predicts market will have areas with growth and decline

-make sure you know which renovations add value, must get it back on sale

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