Podcast appearances and mentions of Barry Habib

Most mortgage originators today have no idea how the market actually works. If you want to stand out as a confident mortgage advisor, you need to know WHAT is happening in the market, WHY it's happening, and HOW to use that knowledge to win more deals. That's exactly what we're diving into in this episode with Dan Habib, market expert with MBS Highway and son of mortgage legend Barry Habib.Dan's been deep in the trenches, studying the financial markets, tracking economic trends, and working with top producers who never worry about rates—because they already have a plan. If you've ever struggled to confidently explain rates, inflation, or the Fed to your clients, this episode will change the way you approach your business.What you'll learn in this episode:✅ The #1 skill separating top loan officers from the pack (and how to develop it FAST)✅ How to use “strike rates” to turn future refis into guaranteed deals today (most LOs completely miss this)✅ The exact market insights you need to explain to borrowers right now (so they stop hesitating and start locking loans)➡️ JOIN NOWTHE LOAN ATLAS ► https://go.theloanatlas.com/membership ABOUT TIM BRAHEEMWith more than 25 years of experience as a highly successful mortgage professional, industry leader, educator, and life coach, Tim Braheem is committed to engaging with people on a deep level and helping them uncover the barriers they have placed in the way of having the level of success they deserve in both their business and personal lives.FOLLOW Instagram ► https://www.instagram.com/tbraheem/LinkedIn ► https://www.linkedin.com/in/timbraheemTHE LOAN ATLASJOIN ► https://go.theloanatlas.com/membership FOLLOWInstagram ► https://www.instagram.com/theloanatlas/YOUTUBE ► https://www.youtube.com/@LoanAtlas----------

DOGE Keeps Digging as Dems Keep Deceiving, Live with Lawyer Paul Moore & Entrepreneur Barry Habib | Triggered Ep. 216 Live from Rumble Studio Order 1775 Coffee today at http://www.1775coffee.com/TRIGGERED - code TRIGGERED to save 15% off your order --- Visit http://www.TNUSA.com/donjr or call 1-800-958-1000 for a free consultation! --- Protect your savings with Birch Gold. Text DONJR to 989898 and claim your eligibility for free silver today. https://birchgold.com/donjr Learn more about your ad choices. Visit megaphone.fm/adchoices

Get ready for an unfiltered look into the future of mortgage rates! Find out how these predictions might shape your next big financial decision. Don't miss this must-hear episode! Links & Resources Follow us on social media for updates: ⁠Instagram⁠ | ⁠YouTube⁠ Check out our recommended tool: ⁠Prop Stream⁠ Thank you for tuning in! If you enjoyed this episode, please rate, follow, and review our podcast. Don't forget to share it with friends who might find it valuable. Stay connected for more insights in our next episode!

Is the housing market about to flip on its head? If you're in real estate or just curious about what's next, this episode is your crystal ball into the future! Don't miss it! Links & Resources Follow us on social media for updates: ⁠Instagram⁠ | ⁠YouTube⁠ Check out our recommended tool: ⁠Prop Stream⁠ Thank you for tuning in! If you enjoyed this episode, please rate, follow, and review our podcast. Don't forget to share it with friends who might find it valuable. Stay connected for more insights in our next episode!

In this episode, host René Rodriguez interviews Barry Habib, a renowned figure in the real estate industry. They discuss Barry's journey from humble beginnings to becoming a leading voice in the mortgage market, his passion for learning, and the influences that shaped his resilience. Barry shares his personal battle with cancer, emphasizing the importance of gratitude and positivity in overcoming adversity. The conversation also touches on the success of the Broadway show Rock of Ages and provides insights into the current real estate market, highlighting the significance of understanding market dynamics and the power of curiosity in personal growth.Episode Resources:BarryHabib.comIamBarryHabib on InstagramMeetRene.comAmplifiimylife.comAmplifyBook.comEpisode Highlights:00:00 - Introduction to Barry Habib08:29 - Curiosity and Learning in Finance17:33 - Building Resilience24:45 - Gratitude and Optimism in Life's Challenges32:59 - Facing Adversity with Gratitude41:13 - Real Estate Insights and Market Trends49:19 - Life Lessons and Final Thoughts

In this episode, host Phil Treadwell welcomes Megan Anderson, VP of Client Relations at MBS Highway. Together they talk through different ways that AI's powers can be used and that it is not as daunting as it seems. With Megan's vast knowledge of the mortgage world, she shares her tips and tricks into using AI for business growth, content creation, and client relations. Tune into this episode to learn how to push the boundaries of AI to benefit a professional in all aspects of life.  Megan Anderson is a prominent leader in the mortgage industry. With a talent for public speaking, she has trained over 10,000 loan officers, making her a key voice in mortgage advising and market analysis. A Certified Mortgage Advisor, Megan specializes in AI training and market trend analysis, drawing on insights from her mentor, industry expert Barry Habib. She also hosts the podcast "On the Highway," where she interviews top achievers in the mortgage field. Known for her innovative training methods, Megan is dedicated to empowering professionals with the knowledge and tools to succeed in a competitive landscape.  01:35 Meet Megan Anderson 05:45 Where to Start with AI? 08:10 Your ChatGPT Assistant 10:40 Communicating with AI 14:35 AI is Not as Smart as it Seems 15:30 Ask and You Could Receive 17:00 Tokens for ChatGPT 18:30 AI and Your Business 20:45 Just Go Use It 23:00 Use AI's Powers for Good 25:00 AI and the Creative Process 28:00 Megan's Favorite AI Tools 30:40 Start with Curiosity CONNECT WITH MEGAN: Website | Instagram AMPLIFY YOUR CRM AUTOMATION WITH AIDIUM: https://thinkaidium.com/ If you are enjoying the MME podcast, please take a second and LEAVE US A REVIEW. And JOIN the M1A Text Community: 214-225-5696  

Tim Braheem Interviews Barry HabibIn this episode Tim sits down with his long time friend, Barry Habib. During this conversation, Barry shares openly with Tim what his experience has been going through aggressive chemotherapy treatments while managing to continue working and looking for the joy in every day. In addition to sharing the details of his treatment, Barry brings his over 25 years of intensive experience to this episode where he and Tim discuss some current market trends relative to the past few years to give YOU insight on what you can be doing right now in this market.You Will Learn: What key metrics you should be looking to for interest rate insights.Barry's overview of what to expect rate behavior to be in the coming months.The importance of applying your own intelligence to using AI for your benefit.Why you MUST be informed about any and all adversities you experience in your life.Barry's inspiring story of navigating illness and how his mindset has been the key to overcoming adversity with joy.Who is Barry Habib?Barry Habib is the founder and CEO of MBS Highway, the leading source of economic and interest rate education and information in the Mortgage Industry, National Best Selling Author of “Money In The Streets” and Nationally known economic expert on such shows as Fox Business and CNBC. Barry resides in Colts Neck, New Jersey and West Palm Beach, Florida but is constantly on the move speaking across the country. When he's not traveling, he's either hard at work at the MBS Highway office or spending time with his loving family and friends. In his free time, Barry enjoys watching sports and is an avid car enthusiast.Ready to grow your mortgage origination business?Join The Loan Atlas- an online learning platform and community that helps loan originators get more leads, close more loans, and build an annuity-like business.theloanatlas.com

If you are a mortgage banking executive or leader, you will want to listen to this episode to hear what Sarah Wheeler has to share. In this episode of Power House, HousingWire Editor-in-Chief Sarah Wheeler joins HW Media CEO Clayton Collins to discuss critical themes and knowledge for mortgage banking leaders. Sarah discusses major stories related to LO compensation, servicing, and refi dynamics and her recent interview with Barry Habib. She also shares how HousingWire communicates this type of knowledge to readers via articles, podcasts, and events. These topics and a group of amazing executive speakers will be front and center at the HousingWire IMB Summit on October 1st in Dallas, Texas.  Register for the event today and take advantage of Labor Day Weekend prices promotions:  Register here: https://events.housingwire.com/IMB-summit  Code: LABORDAY (expires 8/30/24 on Labor Day)  Act now, this will be the lowest available price for tickets to the 2024 event! Related to this episode: HousingWire | YouTube Enjoy the episode! The Power House podcast is a show about leadership, markets and entrepreneurship in the housing industry. Each Thursday, Clayton Collins speaks with CEOs and founders from the mortgage and real estate sector to reveal how housing executives think about business growth, operational strategy, and leadership. The Power House podcast reveals the full picture through the stories of the industry's most impactful leaders. Clayton Collins is the CEO of HousingWire, and the Power House podcast is produced by HousingWire's Content Studio. Initially launched in 2019 as the Housing News podcast, the show was relaunched as Power House in 2024. Learn more about your ad choices. Visit megaphone.fm/adchoices

On today's episode, Editor in Chief Sarah Wheeler talks with Barry Habib, CEO of MBS Highway, to talk about mortgage rates, the Fed and what originators should be doing right now to prepare for lower rates. Related to this episode: How low do mortgage rates need to go before borrowers appear? HousingWire | YouTube Enjoy the episode! The HousingWire Daily podcast examines the most compelling articles reported across HW Media. Each morning, we provide our listeners with a deeper look into the stories coming across our newsrooms that are helping Move Markets Forward. Hosted and produced by the HW Media team. Learn more about your ad choices. Visit megaphone.fm/adchoices

“We don't just want to absorb content to understand it. The real magic comes from teaching. And that's the best way to learn. The best way to learn is to teach it. The best way to learn anything is by teaching it and helping others. That's how you gain fulfillment in life, and that's what life is about.” - Barry HabibBarry Habib is an entrepreneur, the CEO of MBS Highway, and author of Money in the Streets and he is back on the show to share his knowledge and passion with our audience.  We're getting off on a positive foot today as Barry and Jay chat about where winning is happening in the mortgage and real estate space.  Is it difficult and challenging out there right now?  Of course it is, but there are people out there making things happen and we need to be talking about it!  We're also talking about work ethic, what it takes to be a winner in whatever space you're involved in, and how time management and engagement with your clients can make all the difference in the world.  There are few people who know this business like Barry does, so make sure you're paying close attention to this episode of The Culture Matters Podcast! 

Loan Officer Marketing Podcast Ep.132   Tune in to our latest episode where we sit down with Barry Habib. He is a renowned American entrepreneur and the CEO of MBS Highway. He is celebrated as a best-selling author and a three-time recipient of the Crystal Ball Awards for his accurate forecasts in the real estate market. Habib is also recognized for his pivotal role in safeguarding the mortgage industry in 2020, addressing margin calls triggered by Federal actions. His crucial intervention and presentation brought much-needed stability during a critical period in the industry.   Loan Officer Marketing Website: https://loanofficerwealth.com/   Guest - Barry Habib, https://barryhabib.com/    Connect with Barry Habib Instagram - https://www.instagram.com/iambarryhabib/   Watch as Chris Johnstone speaks with Barry Habib about…   Barry Habib's Journey: Discover Barry's background, notable achievements, and his unique approach to public speaking and personal development. Housing Market Analysis: Barry provides a thorough analysis of the housing market, focusing on appreciation rates, market predictions, and the factors driving these trends. Interest Rates Insight: Engage in a detailed discussion about interest rates, encompassing past predictions, influential factors, and future expectations. A.I. in Mortgage and Housing: Gain insights into the burgeoning role of artificial intelligence in the mortgage and housing industry, exploring its potential impacts and practical applications. and MORE!   #LoanOfficer #Podcast #MortgageMarketing #MortgageBroker #MortgageLender  #NAMB #MortgageMarketingAnimals #MortgageProfessional #LoanOfficerPodcast #MortgageLoanOfficer #RealEstate #MortgageTips #BarryHabib

Join Fobby Naghmi, SVP of Homecomings Mortgage & Equity, and mortgage maestro Barry Habib in a deep dive into the ever-evolving mortgage landscape on today's episode! Uncover Barry's expert forecasts for 2024, including real estate trends, interest rate predictions, and the intriguing dynamics of market supply and demand. Barry demystifies the complexities of economic indicators like the jobs report, revealing their true impact on the mortgage sector. Plus, it dives into the transformative role of AI in the industry and the strategic importance of MBS Highway. For loan officers, Barry shares invaluable insights on navigating challenges and seizing opportunities in a competitive market. This episode is a treasure trove of knowledge for anyone looking to understand the mortgage world in 2024, especially in the context of an election year. Don't miss Barry's personal take on housing market investments and the essential skills mortgage professionals need to thrive in this dynamic environment

The Future Of The 2024 Housing Market Will Largely Depend On What Happens To Mortgage Rates and Housing Affordability. Will The Housing Market Crash in 2024? Where Are Mortgage Interest Rates Headed? How will a slowing economy affect housing affordability? In this episode, we had the pleasure to speak with Barry Habib, CEO of MBS Highway to discuss the futur e of the housing market as we help you become The Educated HomeBuyer. ✅ - Want to get connected with us or to a local expert in your market, please reach out at http://www.theeducatedhomebuyer.com/expert Barry Habib, CEO of MBS Highway, is an American entrepreneur and frequent media resource for his mortgage and housing expertise.   Amazon #1 bestselling author for his book “Money in the Streets” Widely credited with saving the Mortgage Industry in 2020 from Margin Calls due to Fed Actions.  His presentation to the Fed created stability at a critical time. Notable Awards Three-time Crystal Ball Award Winner by Zillow and Pulsenomics for the most accurate Real Estate forecasts out of 150 of the top economists in the US   2019 Mortgage Professional of the Year Finalist for the Ernst & Young Entrepreneur of the Year Named to Mortgage Global 100 List  The St. Armand Ventures Businessman of the Year 2021 Named to the list of 100 People to Watch in 2023  During his mortgage sales career, Barry personally originated over $2 Billion. He is the Lead Producer and Managing Partner for “Rock of Ages,” the 27th longest running show in Broadway history, which he also took around the world and turned into a major movie starring Tom Cruise. He produced Criss Angel's “Mindfreak” at Planet Hollywood in Vegas. He is the highest rated speaker and trainer for over 25 years in mortgage and real estate.

He's no Barry Habib and no Dan Rawitch. However, D.O. does his best to fulfill a fan request and bore JC. How are mortgage rates determined? What is their correlation to the 10-year treasury? What's the difference between price and rate? How often to rates change? Tune in to hear to these questions and so much more. Homebuyers will be blown away at the complexity, Realtors will their heads spinning and MLOs will be geeking out. www.TLOPonline.com for more DOPE ASS CONTENT BIHH! #TheLoanOfficerPodcast #TLOP #MortgageRates

This Indicator Only Has Happened 5 Times In 40 Years! Affordability got you puzzled?

Joining Kyle in the China Shop this week is the legendary father and son team behind the MBS Highway, Barry Habib and his son Dan! Listen along as Barry shares how he got into Technical Analysis and how he applies that skill to the Mortgage industry, Dan gives some insight on what it's like working for his father and both give their thoughts on the current outlook for the housing industry. From the federal funds rates to the latest housing numbers and even personal experiences abroad, we touched on a lot in the limited time we had available... Luckily, we already have Dan scheduled for a repeat visit!About Barry:Barry Habib is an American entrepreneur, bestselling author, and the recipient of three Crystal Ball Awards for the accuracy of his real estate market forecasts.As an innovator, Barry has bought and sold several successful businesses including Mortgage Market Guide, CPMS, Certified Mortgage Associates, and Healthcare Imaging Solutions and was a founding partner in Experience.com.Identifying an industry in need, Barry's current focus is MBS Highway, which he founded in 2012 with the vision of interpreting and forecasting activity in the mortgage rate and bond markets. His insights are so highly regarded that he appears regularly on Fox Business Network Fox Business Network and CNBC Networks, followed by thousands of mortgage professionals. His Monthly Mortgage Report show ran for 13 years on Squawk Box. Consistently recognized by his peers, he was named the St. Armand Ventures 2021 Businessman of the Year, appeared on the Mortgage Global 100 List, and secured a place on the 100 People to Watch in 2023.About Dan:Dan was honored to have been named one of the 40 most influential Mortgage Professionals under 40 by National Mortgage Professional (NMP) Magazine in 2020. He is an experienced student of the market for over 18 years. Dan's goal and vision is to help mortgage professionals to better serve their clients by being true advisors and not just salespeople.Guest Links:MBS Highway - WebsiteSocial Links:Follow Barry on InstagramFollow Dan on InstagramSponsorshipsOur podcast is sponsored by Sue Maki at Fairway Independent Mortgage (MLS# 206048). Licensed in 36 states, if you need anything mortgage-related, reach out to her at SPullen@fairwaymc.com or give her a call at (520) 977-7904. Tell her 2 Bulls sent you to get the best rates available!For anyone trading futures, check out Vantatrading.com. Founded by Mr. W Banks and Baba Yaga, they provide a ton of educational content with the focus of teaching aspiring traders how to build a repeatable, profitable process. You can find our exclusive affiliate link/discount code for Vanta in our free discord server as well!If you are interested in signing up with TRADEPRO Academy, you can use our affiliate link here. We receive compensation for any purchases made when using this link, so it's a great way to support the show and learn at the same time! **Join our Discord for a link and code to save 10%**Check out the custom studies for futures trading over at OrderFlow Labs. We do not receive any compensation for referrals, we just love their community and tools!To contact us, you can email us directly at 2bulls@financialineptitude.com Be sure to follow us on Facebook, Twitter, or Discord to get updated when new content is posted! If you enjoyed this week's guest, check out our directory for other amazing interviews we've done in the past!If you like our show, please let us know by rating and subscribing on your platform of choice!If you like our show and hate social media, then please tell all your friends!If you have no friends and hate social media and you just want to give us money for advertising to help you find more friends, then you can donate to support the show here!China Shop Links:2 Bulls DiscordMiniseries PageChina Shop MerchGuest DirectoryAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

David is joined this week by Barry Habib, proprietor of MBS Highway and one of the foremost mortgage-finance and housing experts in the country. They discuss the supply and demand of residential real estate in 2023, the difference between housing's impact on GDP and home prices themselves, and delve into the relevance of household formation when it comes to building needed supply. It is the most robust and practical talk on real estate you will hear anywhere, and you will want to share it with your friends after you listen.

Zombie companies need cheap money to survive. Cheap money is a thing of the past, and casualties are piling up. It's a familiar script: borrow money to fund growth, and compete on price. That business model fails when interest rates rise quickly. As debt-burdened, low-cost providers get squeezed by higher rates, more will fail. My guest is Barry Habib of Highway.ai. Barry fears the Fed is looking for clues in the rear-view mirror. Looking ahead and extrapolating trends would give the Fed a better perspective and less incentive to raise rates. We also cover interest rates, housing, and inflation.

Hello everyone! Welcome back to another episode of the Real Estate Investing Fast Track (formally known as Pave The Way Podcast).   This week I am excited to welcome Barry Habib to the show!    In this episode, Barry, Jeremiah Dalton, and I talk all about interest rates and how they really work. To view the slides that Barry shows on the podcast, check out the YouTube video here.   To connect with Barry, reach out on Instagram @iambarryhabib  Check out https://www.highway.ai/ to learn more about MBS Highway.   To contact me: Email me at greg@velocityhousebuyers.com or reach out on Instagram @grego_37   Visit www.greglikesdata.com for a free trial with PropStream - some of my favorite real estate software!

Join us for our latest market

Barry Habib Bio Barry Habib, CEO of Highway.ai, is an American entrepreneur and frequent media resource for his mortgage and housing expertise.   ·       Amazon #1 bestselling author for his book “Money in the Streets” ·       Widely credited with saving the Mortgage Industry in 2020 from Margin Calls due to Fed Actions.  His presentation to the Fed created stability at a critical time.Notable Awards ·       Three-time Crystal Ball Award Winner by Zillow and Pulsenomics for the most accurate Real Estate forecasts out of 150 of the top economists in the US  ·       2019 Mortgage Professional of the Year·       Finalist for the Ernst & Young Entrepreneur of the Year·       Named to Mortgage Global 100 List ·       The St. Armand Ventures Businessman of the Year 2021·       Named to the list of 100 People to Watch in 2023  During his mortgage sales career, Barry personally originated over $2 Billion. Lead Producer and Managing Partner for “Rock of Ages” – the 27th longest running show in Broadway history.   Produced Criss Angel's “Mindfreak” at Planet Hollywood in Vegas. Highest rated speaker and trainer for over 25 years in mortgage and real estate. ABC PodcastFacebook: https://www.facebook.com/alwaysbecoolpodcastTwitter: https://twitter.com/thebobbykerrInstagram: https://www.instagram.com/alwaysbecoolpodcast/TikTok: https://www.tiktok.com/@thebobbykerrYouTube: https://www.youtube.com/@alwaysbecoolSummit LendingFacebook: https://www.facebook.com/SummitLendingUSATwitter: https://twitter.com/SummitLendingUSInstagram: https://www.instagram.com/summitlendingusa/LinkedIn: https://www.linkedin.com/company/summitlendingkc/YouTube: https://www.youtube.com/user/loantipskc

We're back! Thanks for joining us for season three of Truth in Lending, the podcast for mortgage people, by mortgage people. After a couple months off, we've got the lights on and this time somebody is home. Today is May 10th, the long awaited day predicted by the infamous Barry Habib to be when rates would finally drop. Sorry Barry, as much as we'd like to this to be the case, we're just not seeing it. The fed hiked interest rates by .25 back on May 3rd and signaled a pause on hikes...for now. Are we headed in the right direction? Where do things go from here and what are our predictions? Tune in for some insight into soft credit pulls vs. hard credit pulls, a mindset pep-talk from the the multi-talented miss Katie Pelchar, and as always, your weekly mortgage news update.

Join Jen and guest Barry Habib as he explains how the different factors can affect the mortgage industry's interest rates. Stay tuned to see why he believes mortgage rates are going down.  Hey everyone. Welcome back to Mortgage Lending Mastery. You are all in for a treat today. There is no question about it. But before we get started, I wanna remind everybody that we are having a three day live in-person event in May, May 18th, 19th and 20th in Phoenix, Arizona. So you wanna make sure you get your tickets, get yourself registered. We have that down in the notes below. And as a. Special opportunity the day before on May 17th, we're having power presentation intensive, where we're gonna spend an entire day with me helping you with your presentations because now more than ever, you've gotta get out and see as many people as possible. I call it one to many instead of one to ones. So, uh, if you need some help in your presentation skills, that is something you wanna register for as well. But you can use the same link and head on over there so that we can spend we've got some unbelievable speakers. And we've got a couple of guest speakers that you don't know that you know, but you know them. ... Join the Success to Significance Community Today: YouTube Facebook Instagram Jenduplessis.com Linkedin Book a Strategy Call with Jen TODAY! ____________________

Join us for our newest Market Update with our expert sponsors

The year is 1984. And the Orwellian state is well under way.  Today Jason talks about "Demand Imbalance Arbitrage" with Roger Khoury and Barry Habib and with the Fire Sale movie clip from Margin Call. Roger gives us an overview of some major schools of thought or investment philosophies and 8 major factors that impact trading. He takes a chart of D.R. Horton Home builders and dissects it and gives us a glimpse into some of the workings of the app that his team is developing. Roger Khoury is an expert in the field of market forecasting, with over two decades of experience. In 2010, he developed an innovative probability-based form of price forecasting, called Market Vulnerability Analysis™ (or MVA™), to overcome an inherent flaw he had discovered in most trading systems and strategies, which is the root cause of large drawdowns and inconsistent results. This form of analysis enables its user to uniquely reduce the downside risks in the market, without sacrificing the upside performance potential. And we also hope to see you in the Empowered Mentoring Program Zoom meeting on Wednesday. For more information go to https://empoweredinvestor.com/Mentor   Key Takeaways: Jason's editorial 1:27 Welcome to the episode and the year, 1984.  2:53 Real estate market- the FOR SALE and FOR RENT markets 5:04 Barry Habib "Housing is the Champ" 8:54 Creating value over time 10:29 Margin Call  Roger Khoury interview 20:03 Welcome Roger Khoury 20:35 What is "Demand Imbalance Arbitrage" 22:56 An overview of some major schools of thought or investment philosophies 26:44 The Hartman Comparison Index:  find wisdom in price 28:32 8 major factors that impact price 31:49 Chart: D.R. Horton Home builders 33:33 A process that is objective and reliable 36:39 A deeper analysis of the Chart: D.R. Horton   Follow Jason on TWITTER, INSTAGRAM & LINKEDIN Twitter.com/JasonHartmanROI Instagram.com/jasonhartman1/ Linkedin.com/in/jasonhartmaninvestor/ Call our Investment Counselors at: 1-800-HARTMAN (US) or visit: https://www.jasonhartman.com/ Free Class:  Easily get up to $250,000 in funding for real estate, business or anything else: http://JasonHartman.com/Fund CYA Protect Your Assets, Save Taxes & Estate Planning: http://JasonHartman.com/Protect Get wholesale real estate deals for investment or build a great business – Free Course: https://www.jasonhartman.com/deals Special Offer from Ron LeGrand: https://JasonHartman.com/Ron Free Mini-Book on Pandemic Investing: https://www.PandemicInvesting.com

It's hard to deny that the market is shifting, maybe even changing. If you are hoping that you can just coast through it, you may need to start thinking about how you can take your existing skillset, and make it work for whatever comes next.Josh Perez is the Principal Broker of Synergy Mortgage Group and is an investor.Three Things You'll Learn in This EpisodeHow can you change with the market?What might be on the horizon of the market?What's next for the industry.ResourceCheck Out Synergy Mortgage GroupReal Estate Marketing DudeThe Listing Advocate (Earn more listings!)REMD on YouTubeREMD on InstagramTranscript:So how do you track new business? You constantly don't have to chase it. Hi, I'm Mike Cuevas to real estate marketing. And this podcast is all about building a strong personal brand people have come to know, like trust and most importantly, refer. But remember, it is not their job to remember what you do for a living. It's your job to remind them. Let's get startedWhat's up ladies and gentlemen, welcome another episode of the real estate marketing dude, podcast. Books were you turning on the news, what the hell's going on? What we're gonna be focusing on this week's episode is the next opportunity. If you tuned into our last show, we're talking about switching up which direction the market is headed, and we're chatting about, I believe it's gonna be a seller's, or I'm a real estate agent, I'm concentrating on seller seller seller sellers, because I believe that we're going to start to see some distressed I think that things are going to hit the fan. And I don't know how bad I don't know if I don't think it's gonna be repeated 2008. But I do know that there is going to be something that happens, how bad I don't know, but just you just have to turn on the news and see what the fuck is going on. Because it is insane. And a lot of things don't make sense. So what we're gonna be doing today is I want to bring on a mortgage broker, because I've been in the States, he's in Canada, but whatever happens in the US goes to Canada. So I wanted to bring someone on from an outside perspective, off of what they see in our US market, what they're doing. But he's not just a mortgage broker, he's also an investor, he does a lot of his investing in the state. So he's got a good eye for seeing where opportunity is. And, again, I'm bringing the freakin cowbells adapt, or you are going to get your ass kicked, you have to adapt right now there's no questions about it. Lead Generation marketing, you're gonna have to do two to 3x more than what you did in the past business is not going to be easy, you're gonna have to hustle. Welcome to the real world. 90% of the people in this business lenders and agents included have never seen a distressed market before because we haven't been in one in 10 plus years. No one knows what's gonna happen. That means the vast, vast majority of everyone in this industry has no fucking idea what to do when a shift occurs. That my friends is a big opportunity. All right, so we're gonna bring on introduce our guest, Mr. Josh Perez. He's with Synergy mortgage up in Canada. Josh, how you doing today? Once you go ahead and introduce yourself to the show. Tell everyone Hello, and a little bit about yourself.Hey, Mike, thanks for having me. Super excited to come and chat with you. And yeah, see, you know, the whole lot of crazy things going on in real estate and in the world. It's kind of been a steady theme over the past few years. Yeah. So you know, I'm a mortgage broker, a real estate investor, since 2010, was when I bought my first investment property. I was working in banking at the time. And then, you know, doing investment planning, retirements, mutual funds, as well as credit I just found after I bought my first investment property, I just wanted to soak everything up that had to do with real estate and building wealth through real estate. It's been, you know, it's been one of the most proven paths of building wealth over over time. And so, you know, I became very passionate about what you know, could do for me and my clients. And so, you know, after a few years of getting into real estate investing, I made the transition to mortgage brokering so I'm just only working in mortgages, with real estate, you know, we're helping, you know, for most people, and not just Canada, US North America, buying a home is a huge financial milestone. It's also you know, typically the biggest purchase, you're gonna make biggest debt you're going to take on, and also real estate being a huge opportunity to build wealth. Myself, my team, like we're super passionate about helping people with that and what it can do to help people achieve and accelerate reaching their financial goals worked with a lot of partners in the space, real estate agents and helping them kind of tap into, you know, the education side on how we can just help so many more people with their financial goals and to fight inflation, the cost of things being so expensive these days, we often think about, you know, how do we save and cut here but, you know, we also I think, think equally need to think of how do we help grow this column of our finances right, and that's, you know, acquiring assets income producing assets. So, that's a big part of what we do. You know, I'm, you know, haven't stopped investing in real estate since 2010. Started with, you know, duplex triplex got into apartment buildings. You know, 2020 Canada is kind of a tough place to to be like, like Mendoza, isn't it? Yeah, it's not motherfuckers crazyup there. Mr. Trudeau. Guy's a nutbag. And yeah, I don't know if anyone is sort of like Biden here. Nobody likes him.Yeah, so I found myself you know, moving to places that were a little bit more free. And yeah, I found myself in Florida had some close family ties there, you know, fortunate to be able to work remote in my line of work and so kind of planted there for two months in early 2021. And said, Listen, I gotta I gotta Spend more time here, I want to bring my family and people close to me down here. So I bought a place helped my parents buy a place. And then just what you know, people in real estate, do they start to kind of look around in places?Would you say that when you do your loans, you do it from an investor's mindset, versus a traditional residential mindset? Because most let's be honest, most most lenders, it's at least consumer friendly. They're gonna think a realtor lender, their commodity, and you just want to get a loan most lenders, right? But if you're coming from an investment mindset, that could be a value add, how do you play that in your business? Because I think that's where the markets going, I think everyone is going to be very investment conscious. People will slowly start buying on emotion, and they're going to start using the numbers again, like they did in the past. So what is your How do you approach that?Yeah, so no, really good question. I think, you know, going deeper with the purchase of a real estate purchase is super important. Yeah, I need a loan today to close on this property to buy it right. But what are your plans for that property? Do you plan to stay in it for the rest of your life? Most people that's not necessarily plan or how it's gonna play out, right? Do you plan to add value to renovate the place? Like, is there an opportunity to create some upside and equity in the place and potentially talk about, hey, listen, if you do this to the property, boom, that's like, that's a source of capital, you can eventually tap into, and when done correctly, help kind of build wealth or put it elsewhere, if you're investing it, potentially in real estate again, so investors, you know, kind of realize this, this concept of, you know, buying properties that might be a little bit distressed, or have upside in the sense of, you know, bringing a dated property to something that's more modern and improved increasing rents. And then usually the money you spend on renovating or improving a property when done correctly equates to a number that's higher than what you spent on it. Right. And so for a lot of people who don't have unlimited sources of capital to keep, you know, putting money down to buy property, they use one property to to leverage to purchase the next one, right? So that that first purchase so for a homeowner who maybe that's not their immediate plan, you we try to go deeper with you know, what are not just your your homeownership plans or purchase plans, but like, what else do you have going on in your world right now? How can use this opportunity to help you slowly build wealth and build a roadmap to accomplish some other things financially? So we just go deeper with kind of questioning and purposes of why why this home? Why this price point? Why this neighborhood and then just try to inform them and educate them with all you know, the opportunities that can come with real estate, to help them in their family moving forward.So how would a realtor though, what do you believe a realtor should be doing in this market? Because I think you're on I think agents need to be investor friendly. Most of them aren't. Most agents don't even have an investment property they own yet alone, working with an investor advising them how to cap rates, cash flow, and all of these other things. So how would you as a realtor adjust to this market is I don't know what's doing in Canada, but things have slowed down here a little bit. In most markets have slowed down. We've seen a depreciation, but it's still busy. It's so weird, because it's still there's lack of inventory. So things are still selling, although the prices have come down a little bit because of inflation rates all the above. So so so odd. It's such an odd time. It's such an odd market.Yeah, we've found here and I pay attention to a lot of markets in the US like there's, you know, with the with the run up over the last, I think, was listening to Barry Habib, who's a great resource. Yeah, last, I think it was like around 12 years, it's just been steady appreciation in real estate, you know, nationally in the US, and we've had like ultra low interest rates. And now in the last, you know, in the last, you know, 1218 months, we start to see a run up in rates, the cost of boring, has increased dramatically. And, you know, the price of real estate hasn't really come down to the point where like, that increase in borrowing costs is like matched the deal you can get on the house. So, you know, conversations, you know, 12 months ago, were largely about, you know, helping people who cost of goods and inflation is already running rampant. But now, cost of borrowing was kind of a lagging piece, that now is just only exasperate grading the problem of affordability right so it's just, you know, for realtors and other professionals in the space, you know, my biggest recommendation is like, don't you got to be there for your clients. There's there's not like they need to be heard. Sometimes there's opportunities where you can help them sometimes it's just providing them with context and perspective of what all their options are and there might not be any good ones, but making sure you're there for them to so that they know they've exhausted everything that's possible or Okay listen, this is an opportunity right now when rates are you know 5.99 But if rates come down to like 5.25% for your situation. This is where we can kind of take advantage of it, where we can free up, you know, a few $100 a month in cash flow, pay down some other debt that we're carrying, but not right now. And so we built kind of a roadmap of what all our options are, you know, I know, we didn't ever plan to sell this house, but you know, how has that conversation, you know, come up, and just having some hard conversations, you know, with clients who you know, might be suffering, just be there for them. So that was a big part of the year, and then you know, those people will always remember that you were available for them to help and share your expertise and educate when there wasn't a transaction there for you to, you know, potentially close, I found that, you know, most of our, you know, we're in the relationship business, most of my business is referral based and has been for the last, you know, 910 years. And it's, you know, not every conversation is going to be one that leads to immediate sale. But listen, you know, we're, again, I was being to it earlier, like buying a home or an investment property, it's like the biggest purchase, someone's going to make the largest debt they're going to take on, we want clients to take it seriously. And we should take it seriously too. And that might involve quite a few conversations before and after helping someone and being there for them. And they're going to remember that and tell their friends, their family, their co worker that hey, every single time, you know, there's a there's a rate announcement happening. Yeah, I know, Josh, and I had the same conversation last time. But you know, what my wife is, you know, has anxiety about this thing, or when the news pops up, or social media or friend talks about it. It just, we get concerned. And we just, you know, you're you're the kind of, you're the person, that's the kind of the voice of reason, or at least laying everything out for us once again, going back to the fundamentals of our plan. And so that that's been a big part of the last year and now is like rates have, you know, hopefully kind of stabilized a little bit and come down a bit, since what we hope that peak is, there's just no lack of demand for real estate, okay. And so even though transactions have been largely down in both Canada and the US like, majorly, it's not for a lack of wanting, like people's goals, for homeownership and building wealth, and real estate investment haven't changed. It's just, you know, the fear, the fear piece, right has scared people to put them on the sidelines. And also just the cost, the cost of boring doing business are increased, right, so margins are thinner, and opportunities need to be vetted a little bit more, and I've just found on our end of things, you know, I look at my kind of my conversion, you know, my conversion over the last, you know, six, seven years hasn't swayed from, you know, 30, to 38% of leads into closing, right, and what I've noticed in the last six months of conversion has gone downward to about 20%. Just because the sales processes a lot longer people's appetite. And just you know what, when rates were, you know, in Canada, they're a little bit lower than the bottom of the US, you know, one and 2%. I mean, it was tougher to find reasons not to borrow money to do something with it, then, to actually find the reasons of why it's justified to borrow, borrow money to invest, do that home renovation, throw a pool in the backyard, go invest buy two, three properties, because capital is so cheap, and the cash flow you're going to generate on that it's going to pay all the bills. But when things change, right, the math is a little bit different, people are spooked, they gotta look a little bit harder, they gotta try a bit harder. They gotta build, you know, their power teams got a little bit be a little bit stronger in terms of the resources. So right now, I think, you know, long answer to your question, is that, yeah, I think opportunities are coming. They're not crystal clear just yet. But you know, there are a lot of different macro economic things that we've seen happen over the past couple of years. So we're seeing, you know, wars, we're seeing bank collapses, you know, this money printing has just been unbelievable. In supply we're seeing now we're seeing some things happening to do with, you know, oil and currencies that, you know, I don't think we're just starting to see, we haven't really seen anything, actually, except for dialogue around some of the BRIC countries now coming up the dollar with, you know, trade and oil. And there's going to be some big implications of that, right. And while you know, supply and demand with, like, the demand side of real estate, is stronger than it's ever been. There's gonna be some macro economic factors that come into play that might shift the whole dynamic of supply and demand and pricing and costs of boring. So it's gonna lead to opportunities, right? One way or another is just you want to have the people around you to be the right resources to help you identify and present them to you, along with you, you know, investigating what might be there for you to invest in for you and your family to take advantage of for the next five to 10 years. In my books.If you listen to what we're talking about, we're talking about repositioning your business like the days of you going out there man, I can help you get in a car and go help you find the jungles of your dreams like those are fucking done. What we're talking about is repositioning and approaching your business like a financial planner, but for real estate, focus on the investment side, keep people out of trouble and talk them out of buying more houses and you talk them into it. And that positioning alone will help build your authority. If you look at his numbers right there, he's converting half is converting about 40% less than he was a year ago, and would be in the show. So what you have to do, you have to work twice as hard, you have to market twice as hard, you have to create twice as much content, because the transaction count is down. And every indication right here is, is going towards like, Hey, you have to analyze the investment aspect of it. Like, and it's you have to be investor friendly. You guys in these markets and investor friend doesn't mean only working with investments, it means stop selling people houses, or homes and start selling them wealth. There's a difference in how you position your business. And if you're just a typical realtor, you're just a typical lender that can get them the standard rate than anybody can, you're just a fucking commodity, you have to reposition and you have to own a niche, the niche I'm screaming from the rooftops right now is investing. The reason for this is that investors are not going to be emotional about a purchase, they're not going to sit on the sidelines, they're sitting on the sidelines right now waiting to pounce, and all of those investors are not going to buy one or two properties, they're gonna buy three, or four or five, and they're gonna keep fucking buying them. And then you're gonna get a listing on the other side for the ones that are turning them over quickly. So what I'm screaming here, and why we have Josh on this on this call is because everything he's talking about is telling you what skills you need to develop to obtain market share to obtain transactions. And the last in this community, the vast majority, a lot of people who go out of business, if this shift happened, it's already happening in the lending world out here, I could tell you guys we used to do about, we used to script and distribute videos for lots of lenders, we lost almost all of them. And that's because they're not transacting, right, they have to cut costs. Right. So when you know this is happening, there's a big opportunity here. And the opportunity is is that we know our current competition, whether you're a lender or agent, your peers are losing transactions, and many of them are going out of business. That's an opportunity for you. Right? But ultimately, what are people going to look for in this next market? Who is the agent that can actually go out there and analyze and say, Well, look, the other rate today is 5.25. But due to inflation, and we know that do that, that the recession is, is here that rates traditionally go down, according to Barry Habib, and you need to know this stuff, guys, because these are the conversations people are gonna have I could tell you in the last crash, no one talked about its highest and best. Everyone talked about, give me the fuck out of the situation. And you got to get that traditional mindset out of your head the highest and best, highest and best, get that out of your mindset. Because in a distressed market, no one cares about highest and best, they care about what's best for them. That's not always the highest price. Sometimes that's involving them selling more conveniently. Sometimes it's involving them doing a 1031 exchange. Because it's an investment. Sometimes they're going to be asking you to hey, is this a good investment, and that's going to be bringing its property to its highest and best use, which means you need to know the zoning laws, you need to know opportunity. You need to know cost. You need to know investment costs. You need to know rehab costs. Because anyone who's going to hire you, you are going to ask these questions. And if you can't answer them, I'm going to Redfin with a flux of difference.Yeah, the opportunity to to work and help families with investing in real estate is is so sky high, because you said it earlier is you know, once someone buys one, one rental property, and if it's cash flowing, working out for them, they're just gonna want to keep doing it. Right. So you rarely meet an investor who buys one property and stops there. And I think one thing that gets missed for people who aren't, you know, in tune or educated on real estate investing is just like, the two most important pieces with with real estate when done correctly leverage and control. So, you know, typically, if you have $100,000, okay, you can buy $100,000 worth of stock or mutual funds or bonds. But with real estate, you know, when you're looking at buying a rental property, most places the general rules candidate us are if you have $100,000, and you're buying investment property, you can buy a $500,000 asset 20% down. Yep. So $100,000 in the stock market gets you $100,000 worth of stock mutual funds in real estate, it's 505 times your investment, why that's important. Dollar rising the math, okay, so we're not here to kind of like speculate on you know, appreciate but but if you look at it this way, okay, if over a tenant like you take one year, okay. 5% appreciation on that on that $500,000 house. So if that house goes up 5% $25,000 $25,000 divided by your 100,000 investment. That's a 25% rate of return on your initial capital 5% and appreciation equals 25% on your capital. The stock market, if the stock market goes up 5% 5% On your capital, you need to actually get a 25% rate of return in the stock market to generate 25.So in that, and you said that perfectly but that's what that conversation is the conversations that are going to start happening in the kitchen tables across the countries, Canada do any United States and that's that's the conversations that need to be have. And it's too often that like, and I see it every day, because because most let's be honest, like the average Asia I don't know what is in Canada and the United States us six houses a year. Like that's it like a very comparable, it's, it's it's insane. It's like, first I don't know how you can only sell six houses a year, you have to be closet agent, like you literally have to hide for six for 12 months to only sell six houses a year, like you're gonna walk past 40 5060 100 people they're gonna be in the market, just over the course of three months, you got a loan go year, the only sound sticks out. So that's another show, right?Well, that's like, you know what I heard a quote, I have a lot of realtor partners and colleagues who are with Keller Williams, I know that they're one of the biggest brokerages I'm pretty sure in the US. And I go to a conference there every year. And I remember Gary Keller mentioned a quote that like for me, because I've invest in real estate, like I get it, but it just kind of opened my eyes even more and then I hope it did for I'm sure it did for a lot of people's, like, every great investment deal. Has through the hands of at least one real estate agent usually. Yeah. So like, they could have had the opportunity of buying it. But it passed with their hands, they looked at it or they didn't look at it. They weren't capable or didn't understand or realize it but like every great amazing deal typically is passed through someone's hands and it's just like, why does that have to be the case? You know, what, like, not everyone has unlimited capital, but it was just like, that's that's a funny concept right? If we know the return of something an opportunity that's there like why don't we try to take advantage of it or work toward being in a position to be able to take advantage of itright so we have a total perfect story so like we have a seller lead generation we set seller appointments and a different business for those are interested in that that's called owner advocate agent.com owner advocate agent.com And we give sellers multiple options to sell their property so we give them a fix and list program a bridge loan a cash offer a sale leaseback and we have an offering our offering is like the Expedia of real estate, you know, pick your five, six different ways to sell your house, you pick which one is right for you, they're all gonna have different knots, they're all gonna have different time links and processes. It's just based upon the goals you want. So we're selling through options. But yesterday we get a we get a we send out a lead and the lead that house is owned outright. It's worth 350 He only owes 87,000 on it. And the lead goes specifically says hey, I don't want to be he goes I don't want to relist with a realtor, I just want a cash offer. I'm gonna move down to Tennessee and I'm gonna fucking retire, guys is done. He's 87 years old, he eases over it, you know, this is a perfect investment opportunity for a investor, right? So in the lead up to the agent, agent goes, doesn't even like didn't follow up with the investor yet. I'm like, Dude, what are you doing this like goldmine. And he's just like, he wasn't approaching it. Like, why didn't I just buy this? He's approaching it as a listing agent. And he was about to not even call the person because they said, Hey, I don't want to talk to a realtor. Would you rather make a $7,500 commission on the $300,000 house? Or would you rather make about $75,000. And it's that mindset, and you're right every single year, and I don't come across them anymore, because I'm no longer really practicing in San Diego, but Chicago, like, gosh, you're you guys are just naturally going to come across a home run one to three times a year. Naturally, that's without even looking at just because you're in the business, right? Yeah. And the question is, do you have the skills to take that fucker down yourself? That's what it comes down to? And if you don't, why aren't you going out and finding them? And why aren't you going out and doing that? Why don't you learn this? Why don't you go and meet guys like Josh or partner with people or go and hire grant cardones coaching company or whatever, go there's millions of freakin education out there. You guys can learn this stuff. It's nothing you go to college for I promise you that you learned from other people that are doing it. And then guess what you have? Because here's what happens like Josh was me. And you were sitting there having a kitchen conversation. And you're telling me about how many doors you now need 90 doors and just the fact you said Yeah, I have 90 doors. I'm not even fucking interviewing anyone else. You're going to talk through experience based upon what you do. And then the positioning from that instantly you have my respect. So I own 90 doors and here's how I finance all of them. Because I'm all about cash flow. Are you interested in cash flow, Mr. Seller and Mr. Buyer? Well, yeah, well, here's what I did in my scenario, and then here's what I would recommend doing in yours. You have the track record to do that. And I could promise you that there's not too many mortgage brokers out there that Oh 90 doors that put positioning as you're selling a totally different product and service, you are no longer a commodity, you are an expert.And that's, you know, what, how we've positioned our business our team is being like, teaching by doing right. And and I think it's, I'm just passionate about it, because I can see how how real estate investing can build wealth. And the fortunate thing that, you know, mortgage brokers and realtors have in their business is like, you know, we're not selling like widgets, or pens, we're actually involved in something that is super, super meaningful to the large majority of the population, homeownership building wealth, you know, and a lot of times, it's just comes down to go in deeper with your clients and explaining, okay, people talk about building wealth or generational, but like, what does it teach person? Is it being able to retire at all, or retire? living life on your own terms, travel, pay for your kids education, pay down debt, pay off your mortgage faster? What is it to you helping a family member in need? Right? So there's just such an opportunity that it's okay, if you don't understand real estate investing right now. But don't put yourself in a box and say, I don't do that you have to do that, whether it's for clients, or for yourself and your family, you're right in front of you. It's so easy, and it's not complicated. That's the thing, right? Oh, 90 doors? Well, it's, you know, it's been very purposeful over the last 12 years, and also the real estate investment community, at least from Canada. And I've started getting involved in the US and we have one of our big educational groups that have just migrated to the US right now. You can hit me up for that as well. And I'm happy to make some connections in a few different states. But people in the real estate investment community are usually very open books and willing to share and very much of a pay it forward mentality. So we have so many opportunities to lean on those resources to to learn and educate if you're not there. And then you could pass that on to your clients. But even if you don't want to do that, do it use it for yourself. Because like I said, the leverage piece. The other thing that's often forgotten is, you know, every month that you know, like, so you have leverage, right. So so the appreciation factor is nice, okay? If you can achieve it long term, which you should. And next, you know, principle pay down. So this is another concept, every if you have a renter in a house or two renters, right, and the total rental income, that total rental income is at least breaking even with the expenses you have on the house. Keep in mind that every month your mortgage is getting paid down, getting paid down, so So the tenants are paying down the mortgage for you and every month that your mortgage goes down 500 or $1,000 a month, that's 500 to $1,000 a month more of equity you have in your house. So on a typical mortgage amortization schedule, every year like at rates. So when rates are in like the two to 3% range on that investment property, what that pay down equate equated to was about nine to 10% per year of equity game. Now, depending on where you're at with your rates, if you're in the four or five 6% range, that pay down factor is about three to like somewhere between three and 4%. So you do nothing every year. Okay. And if you just broke even, you're making today about 4% per year. Okay, that's not including appreciation. And then there's cashflow cashflow, you can determine before you pull the trigger and buy, you can ask you can see what the rents are, or you can estimate very closely what something can rent for. So if you know you're buying a house at 400 $500,000, and you're going to collect $1,200 A month times two units $2,400 We work and these are the things like these are the conversations we're a part of with our clients. well in advance. So client comes to us, hey, never invest in real estate before. What can I do? How can I do it? Where do I get money from it? Will I get cash flow? Can I payment, we're here to map it out and illustrate every version of what's possible for you. So that there's no kind of guessing after you get the keys and get your first month. So it's all pies the best, highest and best the other main thing so we talked about, you know, leverage so the concept of $100 Gets you $500 of real estate $100,000 downpayment gets you 500,000 in real estate. Now, there's principal pay down someone else paying down the mortgage for you, and there's monthly cash flow. So every month few $100 Maybe $1,000 a month, positive between your rental income, your expenses, those are three different ways that your rate of return. So over the long haul, like when you hear people sometimes Grant Cardone other people saying, Oh, I'm getting 25 to 40% annually on my investment that is a real number. That's real when you add in appreciation, cashflow and principal pay down. We talked about you know, a 5% appreciation equals actually a 25% rate of return Okay, if you're taking a five or 10 year period, I think that's a reasonable number to work off of, then you add in, you know, two to 5% in cash flow, and then you add in four to 10%. At different times and principal pay down, you're easily there. So that's, that's massive over a long period of time. This is this is why investors when they understand this concept, and it only takes you know, a couple of conversations, and we'd like to dollarized things, right, I don't like when we talk just all these percentages verbally and through these, I want to show you in dollars with dollars that you have access to the math and I find that when you illustrate these things, it can be a lot more powerful. One gets into one property. This is why we have clients that by four or five, you're educatingme like you're teaching me but you're also demonstrating your expertise. talk's cheap guys, you got to have the experience or the skill set to demonstrate. And that's ultimately comes down to there's a, I think just knowing your market highest and best, like, I'll give you an example in in California, crazy Governor Newsom passed a zoning ordinance because it was like a big housing crisis. And it basically removed all r1 zoning, which basically means that if you have a single family home, you could pop in like two or three Airbnb ease on it. So there's some people making killer cash right now. Now, I told you guys are gonna have to work harder in this market. So I'm gonna give you a fucking really easy one, I'm going out and I'm finding all the irregular lot sizes, okay, that Airbnbs can fit on multiple of them all residential properties. And then I'm going to cross check that data with distress, I'm gonna see which of those people have high credit card debt, which of those people have been in the house for long, and which of them have a shitload of equity, how old they are, and all of it, and then I'm going to fucking door knocking or cold call them with an offer. Because the same thing happened when that switch to cannabis in California and those right when I moved here, and I remember that that time, they just switched to zoning. So and there are so many people that didn't realize overnight, that their land value just because of the zoning change literally shot up to seven figures because you can now grow cannabis on it. And and the people who made a lot of money in that were the ones who knew the zoning laws, and they would go out and buy the property. And then they could turn around and flip it easily for probably a million dollar profit because the zoning what you could do with it in the future. So knowing highest and best use in your market, not just on the property in the cosmetics and adding a bedroom adding a bathroom, but the zoning to it, what can you do with it? This is what's gonna be required to survive in these markets, I firmly believe that every real estate team will eventually be a hybrid investor offering. I think that that's the future real estate. I don't think I think commissions are gonna get compressed, eventually. They already are in many areas. And with that, you're gonna have to think a little bit smarter. But what if you had to buy an arm into your team or your brokerage even as a mortgage broker? You're doing it right now? You're not starving Are you know, the rates dip right now and you have a slow six months? Do you? Are you really going to be affected? Because you have 90 doors? No, five?Yeah, absolutely. I mean, I'm talking about yeah, that's, it's just, you know, it's building for tomorrow, you don't know what's around the corner. You know, everyone has, you know, different values or obligations and family and stuff like that. But it's always just thinking about, you know, what's happening today, it's not going to be what things are, like, you know, tomorrow, next week, next year, so you got to plan for the unexpected, and a big thing for me that kind of wrap my head around, you know, constantly wanting to do more in my mortgage business or real estate investing was framed before and it was just like, listen, like if you have opportunities that are available to you as a result of you know, you working to educate or your resources and your circle, and you're not taking advantage of them. Like are you really responsible? Are you responsible to the people within your business? Like, are you are you putting off opportunities that could help you know, some members of my team because there's more revenue that can come into the company? If I told you know, my wife or kids five years from now, hey, yeah, you know, what I could have? I could have earned or grew our net worth by X amount. But you know, I justdidn't we could have had a vacation home in Florida kids, but I just decided not to, they'd be pretty pissed at you probably right now. No, he'sfine. Like, you know, sometimes people are like, oh, you know, I'm good. It's slow, but I'm okay. I'm happy. Like, what? Why should I want to do more uncomfortable a things can change. That's the number one thing, right? And number two is like you know, think about your family. Think about the other people maybe putting yourself in position and be able to help a family member in need. And maybe that will motivate you a little bit more if you're content with your current situation. Think about the other people around you that you care about. And it should be you should look at it as your duty right I think CARDONE says it to success is your duty. Well, if you look at it a little bit deeper as like, you know, not everyone has opportunities in front of them to pursue that can help build wealth. A lot of us do have that, especially working in real estate, the right in front of us everywhere. It's just a matter of building your team and resources and want wanting to learn and grow. That's the key part.Folks, if you're not going to events, like I I in oh seven, when I did it all the short sales it was most successful I've had in my career, I forced myself to learn that. And because I saw the opportunity, and I learned it for two to three years, I was going to every conference and it took a while to learn. But the result, the end result of that was like we made millions of dollars. Like, you have to want to learn and educate yourself. But we're telling you guys what to learn and educate on is the skill set, go deeper in real estate, don't just sell it, don't just sell loans, invest in loans and invest in do it yourself. But if you can't get there to do it yourself yet, you still need to know about these terms, cashflow, highest and best use. You need to know credit financing programs to leverage debt, you know, big things like there's a ton of investment friendly programs that are out there. Right now. I don't know if they have them up. And I think that loans are a little different Canada in the United States. But there's there's a lot of asset based loans that are meant for investors that you can leverage.Yeah. commercial, commercial, like the average. Yeah.And if not just me, there's a ton of private money. And you probably have all of the private money right on your Facebook feed. Like if you just reached out and just went to some of your friends, like, why can't you start syndicating deals? It's not hard to get the money, you just have to actually try it. But it all starts by educating yourself. Where would you suggest people where did where did you get learned about investing? And then we'll get the show wrapped up? If you want to give any people some final advice?Yeah, you know, in Canada, it was a group Real Estate Investment Network, I promise you you Google real estate investing or honestly, I'm always a big advocate of getting introductions from people I know. So anyone in your circle, if you're in real estate, you have to know someone whose real estate investing, go ask them first, you'll also you also build a deeper connection with that person as a result of expressing that you want to learn more, right? I guarantee you majority of those people, when you ask them will be happy to share plenty of resources with you, you'll get an immediate connection. So that's where you go online YouTube, there's you know, a few pretty good follows you know, Grant Cardone is a great, great follow, I'll share, maybe I'll send you some notes of some of my top people in real estate investing, but I mean, talk to the people,I'm gonna have to pay for that. What are you talking about, I'm gonna have to pay to buy a course, you can't pay, I can't pay $500 To buy a course, that's not a good investment of my time. Instead, I'm gonna go to college and rack up a $40,000 debt that I'll never pay back.Like, that'd be a great episode, the college comparison. Yeah, likebooks, investors, people selling info, Spy it, they're not selling info, if they don't know what the hell they're doing. Yeah, there's some fake fake people out there. But it's pretty easy to spot them out and just start learning that the reality is, is that like, you'll buy many courses, and you'll pick up a little golden nugget out of each one. My only goal with events and buying courses was like, if I could just get one thing out of this, I'm thrilled. And there's always one thing and every bit of information that you buy, otherwise, that information has beensold. Every, every single time you pull something from events, that's a big piece, but talk to your own circle, use Google, you'll have you know, my contact information, I'm willing to share my own, you know, resources, you know, a lot of them in Canada, a lot of them in the US to starting fresh in the US when I came down here a couple of years ago, got a great community that's growing with that have you know, we're aligned with our goals, a lot of great real estate agents, investors, community, the group that I'm part of wealth genius here is now when I think like nine different states and they're growing rapidly, I'm actually coming down to Ohio, in June for a boots on the ground events. So basically, they will walk through a bunch of sample investment properties that might you know, look attractive that are currently on the market, get to know the city in a few different areas. So looking forward, and they're doing that all over the country actually so interesting.Well appreciate it Josh. Why don't you tell everyone where they can find you give them your handle really quick or where they can connect with you and we'll get this rep. Yeah, best.Thanks for having Mike. It was a pleasure. Best place to reach me is on Instagram underscore Perez Josh. You can also reach out to me by email Josh at Synergy mortgage group.comI appreciate you dude. And we appreciate you guys listening to another episode the real estate marketing do podcast folks if you have any additional questions you need to get on video once you visit my site real estate marketing do.com was script edit and distribute your content for you. We'll put you on the map stop making you creepy and start making you a whole lot more marketable. So you start attracting business. And if you like what we talked about today, and you need to sharpen up your listing presentation or your offering and go visit owner advocate agent.com owner advocate agent.com Check it out and you'll see how you can sharpen your skills so that more people actually want to work with you because the old days of hey, this is the only way you sell your house those are gone start selling options and people will be a lot easier to convert more importantly build your trust and differentiate your brand. Appreciate guys listening. We'll see you guys next week on next week's show peace out thank you for watching another episode of the real estate marketing dude podcast. If you need help with video or finding out what your brand is, visit our website at WWW dot real estate marketing dude.com We make branding and video content creation simple and do everything for you. So if you have any additional questions, visit the site To download the training, and then scheduled time to speak with the dude and get you rolling in your local marketplace. Thanks for watching another episode of the podcast. We'll see you next time.Transcribed by https://otter.ai

Byron Lazine and Nicole White discuss agents losing leads to Homes.com, commercial real estate hitting a wall, and a Valuetainment YouTube video with Barry Habib on the challenges American home buyers face in today's market. Get your free copy of BAM's newest ebooks: “Mastering the Green Screen”: https://brokeagentmedia.lpages.co/how-to-green-screen/ “Video Gear for Every Budget”: https://brokeagentmedia.lpages.co/video-gear-for-every-budget/ Subscribe to the BAM YouTube channel: https://tinyurl.com/aatxhaka Subscribe to BAM Newsletter: http://eepurl.com/hZU-Vn Connect with Byron: Website: https://byronlazine.com Instagram: https://www.instagram.com/byronlazine Twitter: https://www.twitter.com/ByronLazine Connect with Nicole White: https://www.instagram.com/nicolewhite.ct/ This episode's sources: https://nowbam.com/breaking-is-homes-com-using-your-name-to-steal-your-leads/ https://www.cnn.com/2023/03/27/investing/premarket-stocks-trading/index.html https://youtu.be/J6Ni0aZckwg Timestamps: 00:00–01:12 Intro 01:12 Topic #1: Is Homes.com using agent names to steal leads? 06:05 Byron discovers an Inman ad with his name on it 08:51 Response from Homes.com 13:21 “I don't believe she has a case against Homes.com” 15:22 Topic #2: Commercial real estate is in trouble 22:29 Employers using webcams to track their remote employees 27:22 Topic #3: Valuetainment video: “Americans can't afford to buy homes…” 31:01 Do you see affordability improving in 2023? #patrickbetdavid #housingaffordability #realestatepodcast

You may remember the acronym MBS from the '07–'08 financial crisis. Michael Lewis's book and then movie, The Big Short, taught us all about how the mortgage-backed securities (MBS) market almost blew up the global financial system. Well, today, mortgage-backed securities are back in the news… In this week's episode of Global Macro Update, Barry Habib, founder and CEO of MBS Highway, joins Ed D'Agostino to discuss the role of mortgage-backed securities in Silicon Valley Bank's failure—and if the other shoe will drop for the rest of the banking sector. To hear more from Barry Habib, along with about 50 other financial and economic experts, click here for info on Mauldin Economics' premier event, the Strategic Investment Conference.

oin me for a quick discussion on the future of the industry with Barry Habib – the CEO of MBS Highway – the industry’s most highly regarded and recognized tool for transforming salespeople into advisors. Barry is an entrepreneur and frequent media resource for his mortgage and housing expertise. He’s the bestselling author of “Money in the Streets,” has appeared frequently on CNBC and FOX, and is the recipient of numerous industry awards including being a three-time Crystal Ball Award Winner for 2017, 2019, and 2020 by Zillow and Pulsenomics for the most accurate Real Estate forecasts out of 150 of the top economists in the US. As an innovator, Barry has founded many successful businesses across different verticals in the mortgage and healthcare industry but also has a background in some fun entertainment offerings including Lead Producer and Managing Partner for “Rock of Ages” – the 27th longest-running show in Broadway history, and producer of Criss Angel’s “Mindfreak” at Planet Hollywood in Vegas. Lending Forward is a weekly podcast hosted by Taylor Ellard and powered by Atlantic Bay Mortgage Group. We bring you raw stories from real people in the mortgage industry. We're covering what's next in lending, forward-thinking, and reflecting on lessons learned from Mortgage Bankers, Realtors, Financial Advisors, Coaches, and more! How are you lending it forward? Founded in 1996, Atlantic Bay Mortgage Group® is a privately owned mortgage lender headquartered in Virginia Beach, Va. Atlantic Bay has been recognized as a Top 100 Mortgage Company in America, Best Mortgage Company, Most Enjoyable Place to Work, and an Inc. 500 Fastest Growing Company.

In this episode, Patrick Bet-David and Barry Habib will discuss: Silicon Valley Bank Collapse Trump being involved in the SVB collapse FaceTime or Ask Patrick any questions on https://minnect.com/Want to get clear on your next 5 business moves? https://valuetainment.com/academy/Join the channel to get exclusive access to perks: https://bit.ly/3Q9rSQLDownload the podcasts on all your favorite platforms https://bit.ly/3sFAW4NText: PODCAST to 310.340.1132 to get added to the distribution list --- Support this podcast: https://anchor.fm/pbdpodcast/support

In this episode, Patrick Bet-David and Barry Habib will discuss: The government lying about the unemployment rate Mortgage rates If DeSantis benefit from the SVB collapse Banks competing for deposits FaceTime or Ask Patrick any questions on https://minnect.com/Want to get clear on your next 5 business moves? https://valuetainment.com/academy/Join the channel to get exclusive access to perks: https://bit.ly/3Q9rSQLDownload the podcasts on all your favorite platforms https://bit.ly/3sFAW4NText: PODCAST to 310.340.1132 to get added to the distribution list --- Support this podcast: https://anchor.fm/pbdpodcast/support

In this episode, we discuss preparing for a recession, the prediction for the housing market, how inflation is measured, and the best way to forecast interest rates. Barry Habib is an American entrepreneur, bestselling author, and the recipient of three Crystal Ball Awards for the accuracy of his real estate market forecasts.// GUEST // Barry's Instagram: https://www.instagram.com/iambarryhabib/ Barry's Work: https://linktr.ee/iambarryhabib// SPONSORS // iCoin Hardware Wallet (use discount code BITCOIN23): https://www.icointechnology.com/Ledn: https://www.ledn.io/CrowdHealth: https://www.joincrowdhealth.com/breedloveWasabi Wallet: https://wasabiwallet.io/Join Me At Bitcoin 2023 in Miami (use discount code BREEDLOVE): https://b.tc/conference/LMNT: https://drinklmnt.com/breedloveCasa (use discount code BREEDLOVE): https://keys.casa/Bitcoin Apparel (use discount code BREEDLOVE): https://thebitcoinclothingcompany.com/ Feel Free Tonics (use discount code BREEDLOVE): https://botanictonics.comThe Carnivore Bar: https://shorturl.at/cqCQV // OUTLINE // 00:00:00 - Coming up 00:00:54 - Intro 00:02:29 - Secure Your Bitcoin Stash with The iCoin Hardware Wallet 00:03:26 - Do More with Your Digital Assets with Ledn 00:04:11 - Introducing Barry Habib 00:05:08 - Becoming The Most Accurate Forecaster 00:08:40 - Importance of Not Taking Things at Face Value 00:13:48 - The Hedonic Adjustment in the CPI 00:15:57 - How Inflation is Measured 00:23:45 - What is Inflation 00:25:49 - How To Forecast Interest Rates 00:37:58 - Aggressive Quantitative Tightening 00:41:35 - Take Control of Your Healthcare with CrowdHealth 00:42:37 - A Bitcoin Wallet with Privacy Built-In: Wasabi Wallet 00:43:12 - A Chance To Win Discounted Tickets to The Bitcoin 2023 Conference and 10M SATS 00:44:08 - Replenish Your Body's Electrolytes with LMNT 00:44:59 - Hold Bitcoin in the Most Secure Custody Model with Casa 00:45:48 - Prediction for the Markets 00:47:41 - Good Times for the Real Estate 00:50:05 - The Relationship Between The 10-year Treasury And Mortgage Rates 00:52:48 - Why The Housing Market Won't Crash In 2023 00:58:36 - Anticipating Recession The Smart Way 01:05:14 - The Labour Shortage Problems and Impact of Technology 01:08:44 - Lack of Capitalism from Federal Reserve 01:15:11 - What is Money from Barry's Perspective 01:17:17 - Where to Find Barry's Work// PODCAST //Podcast Website: https://whatismoneypodcast.com/Apple Podcast: https://podcasts.apple.com/us/podcast...Spotify: https://open.spotify.com/show/25LPvm8...RSS Feed: https://feeds.simplecast.com/MLdpYXYI// SUPPORT THIS CHANNEL // Bitcoin: 3D1gfxKZKMtfWaD1bkwiR6JsDzu6e9bZQ7 Sats via Strike: https://strike.me/breedlove22Sats via Tippin.me: https://tippin.me/@Breedlove22Dollars via Paypal: https://www.paypal.com/paypalme/RBreedloveDollars via Venmo: https://account.venmo.com/u/Robert-Breedlove-2The "What is Money?" Show Patreon Page: https://www.patreon.com/user?u=32843101// WRITTEN WORK // Medium: https://breedlove22.medium.com/ Substack: https://breedlove22.substack.com/ // SOCIAL // Breedlove Twitter: https://twitter.com/Breedlove22WiM? Twitter: https://twitter.com/WhatisMoneyShowLinkedIn: https://www.linkedin.com/in/breedlove22/Instagram: https://www.instagram.com/breedlove_22/TikTok: https://www.tiktok.com/@breedlove22All My Current Work: https://vida.page/breedlove22

Momentum Builder 2023 Jimi interviews each speaker after they spoke including 3 of the top economists in the world: Peter Boockvar, Lacy Hunt and David Rosenburg, brought by Barry Habib. 0:00:41 - Brief Intro of Speakers 0:03:18 - David Rosenberg - Top Economist, Recession & Stock bottom 0:07:47 - Barry Habib - Fulfillment, Leveraging MBSHighway, ListReports & CMA 0:14:34 - René Rodriguez - #1 thing to grow in 2023, Living an Integrated Life 0:16:35 - Craig Sewing - Gaining Market Share, Starting and Leveling Up 0:21:05 - Phil Treadwell - Momentum Creates Motivation, M1 Academy 0:28:01 - Josh Pitts - Show Up, Hustle, Sharing Personal Posts, ShredU 0:31:05 - Neel Dhingra - How to go Viral, Network with the Best 0:32:13 - Cindy Ertman - Meditation, Affirmations, Visualization, Mindset 0:37:45 - Brett Figueroa - Informed or Inspired, Who we become, Decision 0:42:42 - Peter Boockvar - $5 Trillion Response, Stock & Treasury Prediction 0:47:29 - Lacy Hunt - 3% Savings Rate, Demographics is Destiny 0:52:42 - Roland Cochrun - The One, Legacy, Ego, Self Actualized, Motivation 0:58:03 - Ryan Grant - Todd Duncan, Inspiring LO's, Exit, 2023 1:02:54 - Cyndi Garza - Broken, Mom, Daughters Letter, Mortgage Girlfriends 1:07:57 - Kelly Zitlow - Unforgettable, Keep Promises, Video, Map out Excellence 1:12:54 - Dave Savage - Future LO, Entrepreneur, Tech VS Advisor, Robot VS LO 1:16:47 - Sean Herrero - “I know in my soul”, 2010 Video, $100 Suit, “I don't care” 1:22:43 - Todd Duncan - Think Big, Chair Flying, Break in Trust, Promises not met 1:30:00 - Special Announcement & Discount for 2024 Company Shout Outs: DGMedia MBSHighway List Reports Certified Mortgage Advisor (CMA) Rosenberg Research Amplifii American Dream TV M1 Academy SHRED Forward Academy The Defining Difference Brett Figueroa International The Boock Report Hoisington Investment Management INDesign Mortgage Girlfriends Neo Home Loans Trust Engine Kelly Zitlow Group Todd Duncan Coaching Thanks for listening! Connect with Jimi Ryan Help us get to #1 with a 5 star review

2:45 Positive Momentum Signals 4:15 Interesting Notes on Builders 5:30 Where We are Now and Where We're Headed 10:00 May 10th could be a Game Changer 14:30 Buyers Coming Back for Realtors 15:30 Refi Opportunities for Lenders 17:00 Leading Through the Storm! Share with your referral partners! Tag an industry pro, share within your team and post to your local groups & associations! Love this podcast? Subscribe Today! https://theresource.tv Tag an industry friend or share it on an industry group! Join our thousands of FB fans: http://www.Facebook.com/TheREsource.tv Twitter: https://twitter.com/theresourcetv Instagram: https://www.instagram.com/theresourcetv

Are you sitting on the sidelines waiting for lower mortgage rates? Are you wondering whether the Fed is “doing the right thing” to fight inflation? Would you like a clear, simple explanation as to why mortgage rates are so high and when they might come down? The economy has a lot of moving parts that can make it difficult to see the big picture and to know what's coming next.    In this episode, you'll hear from mortgage expert Barry Habib who has won the Zillow/Pulsenomics Crystal Ball Award three times in 2017, 2019 and 2020 for the accuracy of his real estate market predictions. He joins me to talk about the inner workings of the mortgage market, how inflation and the Fed's rate hikes are impacting mortgage rates, why Fed strategy failed to prevent inflation in the first place and how it's attempting to make up for that failure, and most importantly… why we might see rates as low as 5% later this year.    Barry is a housing market and mortgage industry expert, best-selling author, and entrepreneur. He's the founder and CEO of MBS Highway which helps turn mortgage sales people into advisors. He's a Certified Mortgage Advisor himself, with more than $2 billion in originations. He's also bought and sold several businesses including Mortgage Market Guide, CPMS, Certified Mortgage Association, and Healthcare Imaging Solutions. His book “Money in the Streets” is an Amazon best-seller. He's a frequent guest on CNBC and FOX Business Network. His podcast is called: "Inside Real Estate." If you'd like to learn more about what's happening in real estate this year, please join RealWealth. It's free to join and get access to all our data, sample investment properties, RealWealth investment counselors, and our curated list of real estate professionals.  Please don't forget to subscribe to our podcast and leave a review! Thanks for listening! -Kathy

Today we get to hear from the hosts of Momentum Builder Don Goettling & Gino Fronti Why go to Momentum Builder? 0:00:37 - Biggest Discount Code available 0:01:27 - Intro Don and Gino and 0:03:28 - Todd Duncan Mention 0:05:30 - Morning Routine 0:06:10 - Don's Morning Routine 0:07:39 - Hal Elrod Miracle Morning Mention 0:10:20 - Gino's Morning Routine 0:15:33 - Rene Rodriguez Mention 0:16:53 - Gino, What are you trying to honor? What are you trying to heal? 0:20:20 - Gino's wake up moments 0:22:16 - Don, What are you trying to honor? What are you trying to heal? 0:26:20 - Enhancing the Journey 0:28:35 - Networking 0:31:13 - Don, Do you feel like you ever had a big break? 0:33:15 - Gino, Did you ever had a big break? 0:35:20 - Gino, If you were to do it all again, What would you change? 0:37:40 - Don, If you were to do it all again, What would you change? 0:40:40 - Jim McMahan Mention 0:41:50 - No Assholes 0:42:20 - Barry Habib Quote 0:42:58 - Don, Was there ever a time you felt like giving up? 0:45:30 - Gino, Was there ever a time you felt like giving up? 0:49:17 - Roland Cochrun Mention and (Get It Done Podcast Episode 31 mention) 0:51:11 - Gino, What advice would you give to someone looking to Get It Done? 0:53:42 - Don, What advice would you give to someone looking to Get It Done? 0:57:19 - Barry Habib, Top Economist in the world, CNBC FOX NEWS 0:58:10 - David Rosenberg, Lacy Hunt and Peter Boockvar 0:58:56 - MBS Highway, CMA, List Reports, 1:02:05 - Neel Dhingra, Phil Treadwell, M1 Academy Momentum Builder February 6-8 @ Caesars Palace https://www.momentumbuilder.com/ Discount Code Jimi2023 for $231 off Connect with Don Goettling LinkedIN https://www.linkedin.com/in/don-goettling-8ba05a50/ Facebook https://www.facebook.com/don.goettling Instagram https://www.instagram.com/dongoettling24/ Connect with Gino Fronti LinkedIN https://www.linkedin.com/in/ginofronti/ Facebook https://www.facebook.com/gfronti Instagram https://www.instagram.com/ginofronti/ Connect with Jimi Ryan https://linktr.ee/jimiryan https://www.teamgetitdone.com/

Excited to introduce this National Market Wizard, Barry Habib in the hot seat! He has been in the Mortgage space for over decades influencing agents, title and lenders across the nation! Timing is epic for this podcast! Get your notes and your mind ready for an educational and hopeful shift. This icon in the business is going to give us his forecast on the market and where it is going. This is the exact ingredient we need for our Real Estate Roller Coaster series. Hold on and enjoy the ride! Thank you, Barry! You rocked this event!!!! Thanks for the intro Kelc!! 

*NEW ITEM!* Purchase my newest book! "15 Conversations with Real Estate Millionaires" https://amzn.to/3CGOWOU

*NEW ITEM!* Purchase my newest book! "15 Conversations with Real Estate Millionaires" https://amzn.to/3CGOWOU

When the market is uncertain, trend lines are scattered, and the industry headlines turn apocalyptic, there's only a select handful of trusted veterans insiders turn to read the tea leaves—and one of those vets is MBS Highway Founder & CEO, Barry Habib. Barry has a long and storied history in this industry. As a three-time Crystal Ball Award winner (announced by Zillow and Pulsenomics), the best-selling author of Money in the Streets (which was personally endorsed by Tony Robbins), and the head of a leading resource for lenders and loan officers across the country, Barry is a modern-day mortgage titan, and someone Dale has been proud to call a friend and trusted peer for decades. We released a special market forecast with Barry earlier this year, but as the Fed gears up for consecutive rate hikes, builder confidence continues to lag behind home sales, and the global economic climate continues to weaken, Dale knew it was time to revive the conversation and take a deep dive into navigating this unique market. In this EpisodeDale and Barry discuss… The dynamics of the 2022 market, including moves by the Fed to combat inflation and their impact on rates Whether the U.S. is in (or will enter) a recession and the impact recessions have had on housing historically The importance of non-QM products and how to position their potential long-term value to borrowers An updated look at the rent vs buy argument and what's currently best for consumers, even with rates on the rise The importance of mentors, and the impact mentors have had on Barry's life and career The central importance of educating your borrowers and being willing to be vulnerable when presenting loan options Connect with Barry Habibhttps://mbshighway.com/ (Save 40% on MBS Highway with code EVENT) https://www.linkedin.com/in/barry-habib-6b001910/ (Connect with Barry on LinkedIn) https://twitter.com/barryhabib (Connect with Barry on Twitter) https://certifiedmortgageadvisor.com/ (Become a Certified Mortgage Advisor) Connect with Dale Vermillionhttps://linktr.ee/dalevermillion (https://linktr.ee/dalevermillion) Find this conversation valuable?Consider leaving a 5-star review on Apple Podcasts or Spotify. Every review helps us reach more professionals like you. Mentioned in this episode: Relive Season 1 of Batting 1,000 If you missed some of the season—don't worry! We'll be sharing highlights from these conversations and others during our upcoming Season 1 Replay, where we'll listen to and dissect our favorite moments from all of Season 1, before we enjoy a brief off-season ahead of Season 2. Speaking of which, we need your help to build our line-up.

It's a seller's market now, but housing is about to reverse course, says real estate and mortgage expert Barry Habib, CEO of MBS Highway. Barry and show host Ed D'Agostino discuss why mortgage rates are about to drop, creating great buying opportunities... why the Fed won't purchase any more mortgage-backed securities... how a specific type of real estate investment can give you a 320%+ return in less than a decade... need-to-know financing strategies for first-time homebuyers... and more. Learn more about Barry Habib and his work at https://mbshighway.com. Don't miss this week's episode of Global Macro Update—listen now!

Featuring Our Friend, Barry Habib of MBS Highway   1:10 - How long will the pain last and when will rates come down?   5:00 - Demand destruction by the FED.   12:00 - When is inflation going to come down?   15:30 - When are rates going to start coming back down?   19:00 - Much-needed perspective on housing & why we're not in a bubble!   22:00 - Mortgage rates have a really good chance of hitting 4%'s - but when?!   24:00 - The death of the housing market - not a chance.   31:00 - Better times are coming!   31:30 - Will the FED start buying mortgage-backed securities again?   Tag an industry pro, share within your team and post to your local groups & associations! Love this podcast? Subscribe Today! https://theresource.tv Tag an industry friend or share it on an industry group! Join our thousands of FB fans: http://www.Facebook.com/TheREsource.tv Twitter: https://twitter.com/theresourcetv Instagram: https://www.instagram.com/theresourcetv  

URGENT Want to know exactly when rates are going to drop again?  Looking for a way to explain raising rates to your clients so they understand why buying today is still an excellent decision?  Tune in to todays podcast with the legendary Barry Habib!    He gives us a technical, yet simple and easy to understand overview of todays markets.  Then he gives you the advice on exactly how to take this new information and use it to create stronger relationships with your database and create engaging social media content that gets you incredible local exposure and authority.   Then Barry goes the extra mile (as always) to dive into the secrets behind his own personal success.   We have an in depth and valuable discussion on the power of mindset, discipline and the personal development principles to success in todays market.   Then, we discuss his incredible book at that money in the streets and the principles that can be taken to find success in today's market place. We even have a fun and interesting conversation about how he was involved in one of the most successful Broadway productions to become a major motion picture.   Oh yeah maybe this episode is not to be missed!   Make sure you share this message and you subscribe to the podcast and leave us a 5-star review!  

This week, join Jen and her guest Dan Habib, co-founder and Executive Vice President of MBS Highway. In this episode Jen interviews Dan as he explains what the Fed Funds rate is and how it affects your mortgage payment. Tune in to hear more! Looking for some help? Jen is seeking individuals who would like to be featured as a panelist on the show for her Mortgage Lending Mastery Mastermind Series. Email admin@jenduplessis.com to get scheduled! ______________________________________________________ Lear more about Dan Habib BIO Dan Habib has been involved in the mortgage industry for over 18 years. He was just honored by National Mortgage Professional Magazine by being named one of the top 40 under 40 mortgage professionals in the country. He was also presented with Housing Wire's “Rising Star” award, which acknowledges young leaders in the housing industry. He was an integral part of Mortgage Market Guide, founded by Barry Habib, where he created and managed the sales team and helped grow their subscriber base.  Dan later worked at Morgan Stanley as a Financial Advisor, where he was a member of the #1 ranked Barron's financial advisory team in NJ. Dan has held his series 7, 63, 65, 31, and Life and Health insurance licenses.  He is currently the Executive Vice President and one of the founders of MBS Highway. Dan has been instrumental in all aspects of MBS Highway's significant growth over the past 8.5 years. He is extremely personable and loves having a team environment. He works very closely with the development team to create new tools for MBS Highway members. He also enjoys communicating with customers on a daily basis to answer their housing and market related questions.  Dan is also a sought-after speaker due to his extensive knowledge on the mortgage and real estate markets. GET IN TOUCH WITH DAN IG Website CRYPTO ANALYSIS Love the show? Subscribe, rate, review, and share! Learn more about your ad choices. Visit megaphone.fm/adchoices

Barry Habib - The State of the Real Estate Market Special Schmidt Happens episode alert! Tune in to hear keynote speaker Barry Habib discuss the state of the real estate market in 2022. Barry is an American entrepreneur, mortgage industry executive, bestselling author, and founder and CEO of MBS Highway. Barry is also a well known professional speaker and TV commentator on the Mortgage and Real Estate markets. Thank you to everyone that attended State of the Real Estate Market with keynote speaker Barry Habib. A special thank you to Marty Garrity, President of Coast One Mortgage for his collaboration in bringing this timely and valuable information to our team.

When the market is uncertain, trend lines are scattered, and the industry headlines turn apocalyptic, there's only a select handful of trusted veterans insiders turn to read the tea leaves—and one of those vets is MBS Highway Founder & CEO, Barry Habib. Barry has a long and storied history in this industry. As a three-time Crystal Ball Award winner (announced by Zillow and Pulsenomics), the best-selling author of Money in the Streets (which was personally endorsed by Tony Robbins), and the head of a leading resource for lenders and loan officers across the country, Barry is a modern-day mortgage titan, and someone Dale has been proud to call a friend and trusted peer for decades. We released a special market forecast with Barry earlier this year, but as the Fed gears up for consecutive rate hikes, builder confidence continues to lag behind home sales, and the global economic climate continues to weaken, Dale knew it was time to revive the conversation and take a deep dive into navigating this unique market. In this Episode Dale and Barry discuss… The dynamics of the 2022 market, including moves by the Fed to combat inflation and their impact on rates Whether the U.S. is in (or will enter) a recession and the impact recessions have had on housing historically The importance of non-QM products and how to position their potential long-term value to borrowers An updated look at the rent vs buy argument and what's currently best for consumers, even with rates on the rise The importance of mentors, and the impact mentors have had on Barry's life and career The central importance of educating your borrowers and being willing to be vulnerable when presenting loan options Soundbites “" — Barry Habib “" — Barry Habib “" — Barry Habib Connect with Barry Habib https://mbshighway.com (Save 40% on MBS Highway with code EVENT) https://www.linkedin.com/in/barry-habib-6b001910/ (Connect with Barry on LinkedIn) https://twitter.com/barryhabib (Connect with Barry on Twitter) https://certifiedmortgageadvisor.com/ (Become a Certified Mortgage Advisor) Connect with Dale Vermillion https://linktr.ee/dalevermillion (https://linktr.ee/dalevermillion) Find this conversation valuable?Consider leaving a 5-star review on Apple Podcasts or Spotify. Every review helps us reach more professionals like you. Mentioned in this episode: Relive Season 1 of Batting 1,000 If you missed some of the season—don't worry! We'll be sharing highlights from these conversations and others during our upcoming Season 1 Replay, where we'll listen to and dissect our favorite moments from all of Season 1, before we enjoy a brief off-season ahead of Season 2. Speaking of which, we need your help to build our line-up.

You may have seen our guest, Barry Habib, on CNBC or FOX. That's because he's a three-time Crystal Ball Award-winning market forecaster.

Love this podcast? Subscribe Today! https://theresource.tv Tag an industry friend or share it on an industry group! Join our thousands of FB fans: http://www.Facebook.com/TheREsource.tv Twitter: https://twitter.com/theresourcetv Instagram: https://www.instagram.com/theresourcetv

Today’s real estate market is more competitive than ever. In order to come out on top, you need to use every tool available, educate yourself daily, and provide superior value and insider knowledge to your clients. My guest today is Dan Habib, Executive Vice President at MBS Highway. Dan grew up in the business, as the son of Barry Habib (well-known entrepreneur, mortgage industry executive, and bestselling author.) Dan and his dad are co-founders of MBS Highway. MBS Highway turns mortgage professionals into advisors that understand what is driving interest rates, are able to articulate the financial opportunity in housing, and are true debt managers - Surprisingly, most mortgage professionals are not able to do these things. As Dan tells us, MBS Highway will help you to get better every single day. MBS Highway provides daily market insight videos, real estate data, live market quotes, alerts to lock/float ahead of lender re-prices, loan comparison tools, cost of waiting analysis, debt consolidation tools, and much more. Join me for the first in a series of interviews with Dan, who will let you know about invaluable tools to vault yourself up and over the competition. Lending Forward is a weekly podcast hosted by Taylor Ellard and powered by Atlantic Bay Mortgage Group. We bring you raw stories from real people in the mortgage industry. We're covering what's next in lending, forward-thinking, and reflecting on lessons learned from Mortgage Bankers, Realtors, Financial Advisors, Coaches, and more! How are you lending it forward? Founded in 1996, Atlantic Bay Mortgage Group® is a privately owned mortgage lender headquartered in Virginia Beach, Va. Atlantic Bay has been recognized as a Top 100 Mortgage Company in America, Best Mortgage Company, Most Enjoyable Place to Work, and an Inc. 500 Fastest Growing Company. Discussion Points: Dan’s background and growing up in the business with dad Barry Where do you educate yourself? Increase your productivity by joining “the 5 am club”-- getting up early! How MBS Highway removes a lot of the difficulty in finding information and researching the market Most pros don’t know the “why” around many of the particulars of the real estate industry– using MBS puts you ahead of most pros. A success story built on using tools from MBS What’s next for MBS Highway? Listeners– what would you like to learn about from Dan? Send us your suggestions for our series! Resources/Links: MBS Highway Website Dan Habib LinkedIn Taylor Ellard LinkedIn Atlantic Bay Mortgage Group