In this episode of PlotLines, Carolyn Morganbesser, AVP of Mortgage Originations at Affinity Federal Credit Union, joins us for a grounded and thoughtful conversation about what it takes to buy a home in today’s market—and why now isn’t the right time for everyone.
Carolyn has been in the mortgage business for nearly 40 years, and her experience shines through as she breaks down the headlines and shares what she’s seeing every day on the ground in New Jersey. From bidding wars and inventory shortages to rising rates and discouraged first-time buyers, she paints a picture of a market that’s challenging—but not impossible—with the right guidance. For many buyers, especially those relying on financing, competing with cash offers in this environment feels like an uphill battle. But Carolyn stresses the importance of staying grounded and making decisions that fit your long-term goals, not just the market’s pace.
The conversation explores why some buyers are pressing pause, why prices aren’t likely to drop dramatically, and how credit unions like Affinity offer a different kind of support—focused on helping members buy comfortably, not just qualify for the maximum amount.
As the housing market continues to test buyers’ patience, Carolyn reminds us that lending isn’t just about numbers—it’s about people. And when buyers have someone in their corner who treats them like a name, not a number, the path to homeownership feels a little less daunting. Her philosophy is simple: “A conversation costs you nothing.”
Tune in to hear why Carolyn’s headline of choice is: “This too shall pass.”
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