The San Francisco Bay Area is one of the most analyzed housing markets in the world, yet the buyers themselves–the people making the largest financial decision of their lives–routinely operate with the least information. Jed Thibodeau walks through the economic forces shaping the market (rates, supply, lending standards, the higher-rate environment) and then turn the lens around: what does a Bay Area buyer actually need to see to make a good decision, and why is so little of it surfaced before they sign a purchase contract?

Drawing on his work building The Mortgage Lens, a free lender-neutral qualification tool for Bay Area first-time buyers, Jed will use real qualification scenarios to show where the gap between market narrative and individual buyer reality is widest.

About Jed Thibodeau

Jed Thibodeau is a Bay Area licensed loan officer and the founder of The Mortgage Lens (TheMortgageLens.com), a free lender-neutral mortgage qualification tool built for Bay Area first-time homebuyers. He built it to close the information gap that costs buyers the most: the distance between what they assume they qualify for and what a lender will actually approve.