Rethinking Homeownership: How Innovation Is Unlocking the Next Generation of Buyers | Steven Rosasmilia

Millions of financially responsible Americans are locked out of homeownership — not because they’re risky, but because the system hasn’t kept up with reality.

In this episode of The Prosperity Lounge, Joey Ruffalo sits down with Steven Rosasmilia, founder of IMEX USA, to discuss a groundbreaking new approach to mortgage insurance designed for credit-worthy, first-time buyers with “thin” credit files.

Steven shares how this new model challenges decades-old assumptions about risk, credit, and access — and how it could unlock an estimated $150 billion annually in new single-family home purchases without requiring money down or traditional PMI.

This conversation goes beyond mortgages. It’s about leadership, responsibility, and what it takes to build systems that expand opportunity instead of restricting it.

📌 Learn more about IMEX: https://www.imex.one
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