Don Worthington

I’ve been in the Real Estate and Mortgage lending business for over 20+ years, and seen many cycles come and go. During that time I’ve Originated, Processed, spent time in the secondary side buying loans from other Independent Mortgage Bankers. I’ve managed retail groups and Direct to consumer groups. I’ve overseen 7 figure Mortgage marketing spends to generate new business, both purchase and Refi, both direct to consumer and retail.

I’ve served on several advisory boards and councils inside and outside my current company. I manage secondary margins and am indirectly responsible for loans on warehouse lines. I’ve been responsible professionally and financially for the results of Operations, including Underwriting, Processing, and Closing.

My interests include neuroeconomics and the science and psychology of why we buy and what motivates us as consumers.

What’s my motivation? There’s a lot of misinformation and uncertainty in both real estate and renewable energies. Lots of news articles are more about attracting attention then getting it correct or providing context. I hope to educate and bring awareness to those that interest in topics where Real Estate and Renewable energies intersect.

Some possible topics might include:

Real Estate Topics:

• Real Estate Market in General.

1. What makes home values go up or down.
2. Is a good or bad time to buy.
3. Are we in a bubble?
4. Is the market going to crash
5. What's different about today vs 2008-2009
6. Real Estate for Shelter vs Real Estate for Wealth
7. Current trends.
8. Supply and demand of real estate- What is affecting it.
9. What do most people get wrong or don’t understand about home values.
10. What’s a home “worth” cost approach vs sales approach.
11. Using data or information to predict if the value will go up or down.
12. What will happen if mortgage rates go up.
13. What will happen if mortgage rates go down.
14. AirBNB and its’ effects on housing.
15. The hidden - not talked about - factor that’s making the cost of owning a home increase.
16. Grants, Down Payment, Assistant,
17. New in Housing… the ability to shop how you power your home.
18. Smart home technologies that make living in a home more comfortable.
19. New technologies lower the cost of home ownership.
20. The Inflation Reduction act and - all the rebates and tax credits available for homeowners.- That most don’t know about.
21. What’s the biggest disrupter in Housing…
22. What’s new in Housing.
23. Appraisals and how they work.
24. New rules coming for Real Estate agents and Buyers agents. NAR and their lawsuits affecting realtors.
25. How to “hack” real estate as a homebuyer

• Mortgage

1. Interest rates
2. Where are they- How do they work.
3. Where are they going
4. Why - how.
5. Why were rates so low. Why are they not low now.
6. When will rates go down.
7. What makes rates go down.
8. When rates go down what will happen to real estate.
9. New programs.
10. Foreclosure rates- it’s effect on housing inventory.

Renewable Energy / SOLAR topics.

• Insight into the solar sales industry.

1. How they work
2. What solar companies don’t want you to know.
3. Is Solar a good idea?
4. How to shop for solar.
5. What to watch out for.
6. 
   

• Solar financing-

1. Types - pros and cons
2. Dangers of

• Solar in General

1. How does it work.
2. Is it a good idea?
3. Pros and cons

• High performance homes-
• Electrification of homes.
• Turning your home into a power plant.
• Batteries.- Good or bad or wait.