In this episode, we sit down with Maria Eugenia Leon Guerrero—Chief Operating Officer at Bank of Guam—to unpack how credit, liquidity, and data are shaping the island’s housing market and the path to homeownership. Maria breaks down the difference between affordable and attainable housing, why the “missing middle” struggles to qualify, and what tools—from financial literacy to digital lending platforms—can help families cross the gap. She explains how culture, credit scores, and permitting delays ripple through the lending process, why collaboration between banks, government, and developers is essential, and how digital transformation could speed up everything from underwriting to land management. We cover: Affordable vs. attainable: what those terms mean for Guam’s families. Liquidity gaps: why down payments and closing costs are the biggest hurdles. Credit repair & culture: how debt, family obligations, and financial literacy affect loan readiness. Digital mortgages: how e-notes, online banking, and real-time credit tracking can transform lending. Policy fixes: why permitting timelines, shared-equity models, and government incentives matter. Generational wealth: why homeownership remains a cornerstone for community strength and retaining local talent. If you’re in housing, finance, or policy—or just trying to understand why so many families feel stuck between renting and owning—this episode reveals the financial realities behind Guam’s housing crunch and where the solutions may lie. Listen now—and see how better data, smarter lending, and collaborative policies can help Guam’s families move from aspiring to attaining homeownership. Data Points is presented by Pinpoint, Guam’s leading real estate data company. Our mission is to help you make informed decisions on real property purchases through detailed market analysis and insights.