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Chris Salese

I was born in New Jersey, so I’m not referring to myself here.

In fact, I’m not even going to somehow link this together with the classic Budweiser commercials and their “born on dates” either.

Remember those dates, which advised consumers of when their beer was brewed? Now I believe they have been replaced with “freshest before” dates instead.

But I will attempt to make a connection to the newest movie from DisneyNature, titled “Born in China.” If you haven’t seen it, you should check it out.

The movie follows the adventures of three animal families – a panda, a golden monkey and a snow leopard — into the wilds of China and captures their intimate family moments on camera. It’s pretty darn cool, not to mention the amazing landscape of where it was filmed, too.

The reason behind my reference to this particular movie is because of the circle of life element in it.

With almost anything that is cyclical in nature, you can draw parallels to them through this movie.

You can certainly make a comparison to the same circle of life component in real estate, home loans or credit scoring as well.

I’ll let you make your own association to which animal family in the movie can be best compared to let’s say that of real estate or interest rates or credit scoring.

Either way, it’s fun to take a step back and put things into perspective.

For example, there are three common categories of borrowers who apply for home loans.

Typically, they are first-time home buyers, move-up buyers and luxury buyers.

Again, I’m not attempting to match them to a golden monkey or a snow leopard or a panda.

However, after you see the movie you might be able to draw your own entertaining conclusions, especially if you’ve already gone through a particular buying cycle yourself.

It’s important to remember that within each buying or borrowing level there’s a unique circle of life and then the progression from first-time home buyer up to luxury buyer is its own cycle of life.

There are numerous layers and plenty of steps involved to get from one stage to the next.

One of the major issues that we face here in town is that of housing affordability.

In order to start that cycle of life, where families are formed and first-time home buyers are created, we must figure out a better way to offer more realistic and reasonable solutions to our significant housing issues in our community.

It’s critical that we help promote the “Born in Napa” philosophy.

If we can make it more affordable for those who are being born in Napa, to raise a family in Napa and to ultimately live in Napa, then they can possibly enjoy the full cycle of real estate life in Napa.

Of course, this not the only thing that matters. It’s simply one of the many areas that we can work on together to improve the place where we live.

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Chris Salese can be reached at or (707) 363-4439. He is a licensed California mortgage banker (NMLS 254469 /1850 CA BRE 01377933/01215943) and equal housing lender.