{"version":"1.2.0","chapters":[{"startTime":0,"endTime":181,"title":"How Homeownership Has Changed Since the 1980s"},{"startTime":181,"endTime":361,"title":"Introduction: Housing Market Trends & Mortgage Industry Insights"},{"startTime":361,"endTime":541,"title":"Trump’s Housing Policies: What to Expect in 2025"},{"startTime":541,"endTime":721,"title":"Fannie Mae & Freddie Mac: Will They Leave Conservatorship?"},{"startTime":721,"endTime":901,"title":"DOJ’s Crackdown on Real Estate Commissions & Steering"},{"startTime":901,"endTime":1081,"title":"The MLS System Is Changing: What Agents Need to Know"},{"startTime":1081,"endTime":1261,"title":"Building on Federal Land: Is This a Real Housing Solution?"},{"startTime":1261,"endTime":1441,"title":"Why Housing Starts Are at Recession Levels"},{"startTime":1441,"endTime":1621,"title":"The Real Reason Home Affordability Is Getting Worse"},{"startTime":1621,"endTime":1801,"title":"Mortgage Rates & The Federal Reserve: What’s Really Driving Rates?"},{"startTime":1801,"endTime":1981,"title":"The Rising Cost of Credit Reports, Insurance & Appraisals"},{"startTime":1981,"endTime":2161,"title":"Why Real Estate Agents Should Stop Celebrating High Prices"},{"startTime":2161,"endTime":2341,"title":"Trigger Leads & Borrower Data: How Lenders Are Flooding Buyers With Calls"},{"startTime":2341,"endTime":2521,"title":"AI in Real Estate: How Agents & Brokers Can Stay Ahead"},{"startTime":2521,"endTime":2701,"title":"AI in Mortgage Lending: Will Loan Officers Be Replaced?"},{"startTime":2701,"endTime":2881,"title":"How Mortgage Companies Are Using AI to Cut Costs & Jobs"},{"startTime":2881,"endTime":3061,"title":"Why Home Sales Are Expected to Stay Low in 2025"},{"startTime":3061,"endTime":3241,"title":"Mortgage Rate Predictions for 2025: Will Rates Drop?"},{"startTime":3241,"endTime":3421,"title":"Consumer Debt Crisis & Its Impact on the Housing Market"},{"startTime":3421,"endTime":3601,"title":"The Future of Home Equity Loans & Mortgage Innovation"},{"startTime":3601,"endTime":3781,"title":"Will Credit Card Interest Rates Be Capped at 10%?"},{"startTime":3781,"endTime":3961,"title":"How Real Estate Agents Can Survive the Market Shift"},{"startTime":3961,"endTime":4141,"title":"The Shrinking Workforce in Mortgage & Real Estate"},{"startTime":4141,"endTime":4321,"title":"Final Predictions for Home Sales, Rates & the Economy"},{"startTime":4321,"endTime":4550.661,"title":"Closing Thoughts & What to Watch in 2025"}]}