In this episode of Mindset Matters, Ladell White, a local lender, discusses the NAR verdict and options for buyers in the market and how real estate agents can navigate the new rules and compensation structure, particularly regarding buyer agent commissions and finding alternative solutions. Ladell also provides insights on structuring offers, negotiating closing costs, and addressing compensation in the sale agreement. She discusses the challenges and potential changes in VA loans, government loans, temporary buy downs, the current housing market, the importance of buying now, and the value of REALTORS®. Ladelle emphasizes the need for agents to articulate their value proposition and have deep conversations with buyers.