Brenda Wyatt is a loan agent based out of Oakland, CA with All California Mortgage. Brenda has two decades of experience helping Bay Area renters become homeowners and helping homeowners refinance their homes. Following in the footsteps of her mom, she is a 2nd generation top-producer in real estate, earning President Club status the past 8 years running. We chat about Oakland being Brenda's hometown, her family and their contribution to the local community; how Oakland has changed during her professional career; what Brenda loves to do in Oakland; Brenda's start in real estate; remembering subprime and the recession; are we in a bubble?; wealth - tech and intergenerational; market corrections; crypto; changes in lending after the 2008 market crash; what it takes to consistently stay on top; the value of working with a local lender; Realtor® and sales agent best practices when working with a lender; appraisals; speculation about what's next for interest rates. Brenda Wyatt's license numbers are NMLS 314171, DRE 01396447