Evan Beach | When Easy Money Ends and Smart Borrowing Begins

What happens when easy money disappears and smart borrowing matters more than ever?

On this episode of the Origination Nation Podcast, host Chris DeMatteis sits down with senior mortgage loan originator Evan Beach to break down how lending has evolved and what today’s buyers and homeowners need to know to make smarter financial decisions.

Drawing on over 20 years of experience, Evan reflects on the subprime era, the 2008 financial crisis, and how Dodd-Frank reshaped the industry. Together, they explore why modern mortgage lending is about education, cash flow, and long-term financial health, not just qualifying for a loan. They also discuss today’s competitive housing market, especially in Monmouth County, New Jersey, the impact of limited inventory and rising demand, and why focusing on monthly payment over purchase price can save borrowers from costly mistakes.

In this episode, Chris and Evan will discuss:
(00:00) Introduction to Evan Beach and His Journey
(01:20) Evan's Entry into the Mortgage Industry
(04:00) The Subprime Era and Its Consequences
(08:41) The Aftermath of the 2008 Financial Crisis
(11:21) The Impact of Dodd-Frank and Industry Changes
(13:44) The Pandemic's Effect on the Mortgage Market
(16:19) Current Trends in Mortgage Origination
(18:15) Understanding Borrowers' Ability to Repay
(20:42) The Importance of Monthly Payments
(25:37) Market Trends in Monmouth County, NJ
(27:34) Market Dynamics and Demand Surge
(30:07) Impact of Netflix on Local Real Estate
(31:56) Investment Challenges in a Competitive Market
(35:20) Rising Consumer Debt and Economic Concerns
(42:18) Debt Management Strategies for Homeowners
(49:12) The Importance of Financial Flexibility

Evan Beach is a licensed Mortgage Loan Originator with Informed Mortgage LLC, bringing personal, goal-focused mortgage guidance to homebuyers and homeowners across multiple states including New Jersey, Connecticut, Florida, Maryland, and Pennsylvania. He helps clients navigate the mortgage process with customized solutions tailored to their unique financial needs and long-term goals, emphasizing clarity, communication, and informed decision-making throughout every step of the loan journey. Evan is known for his responsive service and commitment to financial education, leveraging modern lending technologies and strategies to support confident, well-informed financing outcomes.

Connect with Evan:
LinkedIn:   / evan-beach-410a1b7  
Facebook:   / evan.beach.3  

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