Podcasts about The Borrowers

Having navigated headwinds from interest rate hikes and secular shifts in office usage and online shopping in recent years, the US commercial mortgage-backed securities market was seemingly embracing a full resurgence. In 2024, its origination hit a record $104.05 billion, a 165 percent increase from the previous year.   While that momentum continued into the first quarter of 2025, it stumbled when the overall capital markets were taken on a volatile ride after the Trump administration's announcement in April about massive changes in tariffs. As a result, April was a much quieter month for CMBS. Deals got pulled or paused, and there were fewer loans priced.   Borrowers, issuers and bond buyers told PERE Credit that although the activities were slowed down by the unprecedented market volatility, the market stabilized swiftly, with spreads gradually grinding back and new originations returning going into May.  Often viewed as a barometer of the broader commercial real estate market, the sector's swift recovery after market turmoil signals the resilience of the industry in an uncertain macroeconomic environment. In this episode, Zachary Cohn, managing director at Brookfield Asset Management, and James Stouse, senior manager of CMBS credit research at Barings, shared their observations on the CMBS resurgence.  For more insights on this, see PERE Credit‘s June/July cover story.

This is the Catchup on 3 Things by The Indian Express and I'm Niharika Nanda.Today is the 6th of June and here are the headlines.PM Modi Flags Off Vande Bharat Trains, Inaugurates Chenab BridgePrime Minister Narendra Modi on Friday flagged off two Vande Bharat trains between Katra and Srinagar and inaugurated two key rail bridges—India's first cable-stayed bridge over Anji Khad and the world's highest rail bridge over the Chenab River. At a rally in Katra, he asserted that any obstruction to Jammu and Kashmir's development would face him first. Modi launched several infrastructure projects worth over ₹46,000 crore in the Union Territory, reaffirming his government's commitment to accelerating growth and connectivity in the region.Karnataka CM's Aide Removed After Stadium Stampede Kills 11Following the tragic stampede near Bengaluru's Chinnaswamy Stadium that killed 11 and injured 56, MLC K Govindaraj, political secretary to Chief Minister Siddaramaiah, has been removed. Police Commissioner B Dayananda and four other top officers were suspended for crowd control lapses. The state government has ordered a judicial inquiry and announced that RCB officials involved will be arrested. The incident, linked to mismanagement during a free ticket distribution event, has sparked outrage and demands for accountability at the highest levels of administration.Starlink Gets Key Licence to Launch Services in IndiaElon Musk's satellite internet company Starlink has cleared a crucial regulatory hurdle after receiving a licence from India's telecom ministry, sources told Reuters. The move brings Starlink a step closer to rolling out commercial operations across India. It becomes the third satellite broadband provider to get approval from the Department of Telecommunications, after OneWeb and Reliance Jio. The licence marks a significant development in India's push to expand rural and remote connectivity through space-based internet services, especially in underserved regions.RBI Slashes Repo Rate by 50 Basis Points to Boost GrowthThe Reserve Bank of India's Monetary Policy Committee cut the repo rate by 50 basis points to 5.50%, surprising markets and marking the third rate cut in 2025. The move is aimed at reviving economic growth as inflation remains below the 4% target. Borrowers, especially homeowners, will benefit from lower EMIs, but depositors may see reduced returns. Additionally, the RBI lowered the cash reserve ratio by 100 basis points to 3%, injecting ₹2.5 lakh crore of lendable funds into the banking system to spur credit flow.Trump-Musk Twitter Feud Goes Viral Over Policy ClashA fiery online clash erupted late Thursday between US President Donald Trump and Tesla CEO Elon Musk over a proposed domestic policy dubbed the “Big, Beautiful Bill.” What started as a disagreement quickly spiraled into a digital spectacle, with both leaders exchanging jabs in real-time. The feud dominated social media, inspiring memes, satirical headlines, and viral quotes. Musk had openly criticized the bill, prompting Trump's sharp response. The spat highlights ongoing tensions between tech moguls and political leaders in a highly polarized digital age.That's all for today. This was the Catchup on 3 Things by The Indian Express.

Thomas moved from art direction at Disney World, to creating entertaining comic books, podcasts, and toys riffing on conspiracy theories.  Check out his stuff here:https://www.paranoidamerican.com/Please subscribe, review, and rate us on all the podcatchers.  And if you're Scrooge McDuck, throw a bob out to Patreon:https://www.patreon.com/podcastiopodcastiusMatt makes lots of music.  Brand new ones include the binaural head trip of "Psychic Utopia," and the acid-folk of "Into the Faerie Mound." Have a listen:https://rovingsagemedia.bandcamp.com/Coming Soon: Frankenweenie Wreck-It-RalphMonsters University*Winnie the Pooh (coming soon - working out guest schedules)

Reverse mortgages are misunderstood and can be a great asset in retiring comfortably. 844-935-3634, call us! Debbie Marcoux - AZ-0941504, CA-237926, Fl-LO76508, GA-69178, ID, IL-031.0058339, NC, NV-57237, OR, TN-184373, TX, WA-MLO-237926 | JMJ Financial Group NMLS ID #167867 |Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act, Licensee Number 01134087. Interest rates and products are subject to change without notice and may or may not be available at the time of loan commitment or lock-in. Borrowers must qualify at closing for all benefits.

In this week's episode of Broker Daily Uncut, host Jack Campbell and co-host Phillip Tarrant discuss the record-breaking figures to come from the MFAA, penning mortgage broker market share at 76.8 per cent. With recent headlines questioning the value of brokers, this timely data reinforces just how crucial the third-party channel is. Borrowers continue to favour brokers due to the unrivalled expertise they provide. With market share steadily increasing each quarter, it may not be long before it reaches a milestone of 80 per cent.

Market futures surged from Wednesday night into Thursday morning after the Court of International Trade halted Trump's tariffs—adding another twist to the ongoing trade policy saga. We explore how President Trump's tariff threats and announcements have repeatedly sparked market volatility, often leading to sharp declines followed by rebounds when he backtracks or extends negotiation timelines. Our experts share insights on how to stay invested amid the noise and uncertainty.Nick also breaks down the latest economic data and NVIDIA's earnings release before diving into a growing concern: the student loan debt crisis. After not being required to make loan payments for nearly half a decade, over 4 million borrowers are now in late-stage delinquency since repayment was reinstated. Borrowers are facing serious consequences like wage garnishment and withheld federal tax refunds, and Social Security payments. As the federal government ramps up collection efforts, many companies are stepping in with new benefits to help employees manage and repay their student loans.To close out the episode, we examine the rise of artificial intelligence in the financial services industry. While AI could bring greater efficiency, it also introduces new risks related to privacy and cybersecurity. Could investors one day be onboarded by an adviser's AI assistant? It's possible—but the value of personal relationships and human guidance remains irreplaceable.Join hosts Nick Antonucci, CVA, CEPA, Director of Research, and Managing Associates K.C. Smith, CFP®, CEPA, and D.J. Barker, CWS®, and Kelly-Lynne Scalice, a seasoned communicator and host, on Henssler Money Talks as they explore key financial strategies to help investors navigate market uncertainty.Henssler Money Talks — May 31, 2025  |  Season 39, Episode 22 Timestamps and Chapters5:33: Reciprocal Tariffs Shot Down 14:43: Nvidia Earnings, New Home Sales, Durable Goods, Consumer Confidence22:19: How Do You Make Investment Decisions Through the Noise?31:31: Student Loan Squeeze45:42: AI's Growing Influence on Financial PlanningFollow Henssler:  Facebook: https://www.facebook.com/HensslerFinancial/ YouTube:  https://www.youtube.com/c/HensslerFinancial LinkedIn: https://www.linkedin.com/company/henssler-financial/ Instagram: https://www.instagram.com/hensslerfinancial/ TikTok: https://www.tiktok.com/@hensslerfinancial?lang=en X: https://www.x.com/hensslergroup  “Henssler Money Talks” is brought to you by Henssler Financial. Sign up for the Money Talks Newsletter: https://www.henssler.com/newsletters/ 

The Trump administration is starting to put millions of defaulted student-loan borrowers into collections and threatening to confiscate their wages, tax refunds and federal benefits. WSJ's Oyin Adedoyin digs into what the restart could mean for borrowers and the economy. Annie Minoff hosts.  Further Listening: -Biden's New Plan to Cancel Student Debt  -Breaking Down Student Debt Relief  Sign up for WSJ's free What's News newsletter. Learn more about your ad choices. Visit megaphone.fm/adchoices

Navigating Multifamily CRE in a Volatile Environment Insights from Paul Fiorilla, Director of U.S. Research at Yardi Matrix   Paul Fiorilla offers a data-driven view of today's commercial real estate (CRE) landscape using the vast resources he has at his disposal at Yardi.   While market sentiment may be growing more optimistic, Fiorilla acknowledges investors should separate short-term mood from long-term fundamentals. His perspective, rooted in close analysis of multifamily data and macro conditions, is both pragmatic and cautionary: yes, there's capital on the sidelines and deals are getting done but many investors may be misreading the durability of recent tailwinds and underestimating latent risks.   Short-Term Confidence, Long-Term Industry   Real estate is an inherently long-term, illiquid asset class yet, much of the current market behavior appears to be anchored in short-term confidence (and short term memories). That dissonance should give investors pause. While macroeconomic shocks like tariffs, interest rate hikes, and political uncertainty do not immediately register in quarterly CRE data, their effects compound over time.   Investor sentiment, meanwhile, remains buoyant. Debt markets have resumed activity, stock indices are back near prior highs, and many assume the worst is behind us. But the lagging nature of real estate data means we're still months away from fully seeing the impacts of recent fiscal and geopolitical developments.   Multifamily Fundamentals: A Shifting Landscape   Fiorilla addresses the fundamentals of the multifamily sector, noting that demand has remained strong in recent years, but the distribution of that demand is shifting. Rent growth is no longer universal. Over the past 15 months, metros in the Midwest and Northeast, markets like Chicago and New York, have consistently posted moderate, steady rent growth. In contrast, high-growth Sunbelt cities such as Austin, Atlanta, Nashville, and Salt Lake City are experiencing flat to negative rent trends.   What's driving this bifurcation is primarily supply. In oversupplied markets, absorption hasn't kept pace with new deliveries. Despite a sharp national decline in starts, down approximately 40% year-over-year, the existing pipeline remains heavy. Nationally, over 1.2 million units are either in lease-up or under construction. In high-growth markets, deliveries will continue at elevated levels for the next several years. Some cities may see 12–15% added to their multifamily inventory by 2027.   Fiorilla underscores that while national numbers suggest a tapering of supply, the local realities are more complex. Markets that arguably need more housing, Los Angeles, New York, and Chicago for example, are seeing similar slowdowns in new development as oversaturated markets. The result is a continued misalignment between where capital is building and where it's most needed.   The Waning Tailwinds of Demand   Fiorilla also points to softening demand drivers that may soon undermine current assumptions. Over the past several years, demand has been supported by several powerful tailwinds: robust job growth, high immigration, and pandemic-era trends such as household formation and suburban relocation. But these are now tapering.   Net immigration, while still meaningful, is slowing. Job growth has begun to decelerate. Moreover, federal employment cuts and delays in private-sector hiring – driven by political and fiscal uncertainty – are contributing to a weakening outlook for household formation. These are not necessarily signs of imminent distress, but they do suggest that the extraordinary absorption rates of 2021–2022 will be difficult to sustain.   As Fiorilla puts it, “the risks are to the downside.” He's not forecasting a collapse but cautions against overreliance on recent performance when underwriting future deals, particularly in light of ongoing supply pressure.   Policy Risk and the Fragility of Subsidized Housing   Among the more underappreciated risks in the market, Fiorilla emphasizes policy risk, especially in affordable and subsidized housing. He notes that while programs like LIHTC and Opportunity Zones appear safe, others such as Section 8 are under pressure.   Of particular concern are proposals to convert these programs into state-administered block grants. While this may seem like a technocratic shift, it would represent a material change for property owners. Federal guarantees would be replaced by varying state-level funding regimes, increasing payment risk and reducing the predictability that underpins underwriting in the subsidized housing sector. For owners reliant on these programs, even modest payment disruptions could be “catastrophic,” he notes.   Interest Rate Volatility: The Real Pain Point   Turning to capital markets, Fiorilla distinguishes between the level of interest rates and the pace at which they change. Today's rates, he argues, are not historically high. Pre-GFC, rates were often at similar levels. What's destabilizing is the speed of change. A sharp increase from near-zero to 4–5% within a single year has impaired refinancing feasibility and upended underwriting assumptions.   This volatility, not the rates themselves, has created most of the current distress. Borrowers facing refinancing at double or triple the prior coupon are under strain. And yet, transaction activity persists, with many deals still pricing at thin or even negative leverage. Why? Because the #1 driver of compressed cap rates is investor confidence in future cash flows. The belief that rents will continue to rise justifies aggressive pricing – until it doesn't.   This mindset echoes pre-GFC sentiment, where rent growth was taken as a given. Fiorilla is quick to clarify that today's market is not nearly as reckless. Still, elevated pricing in an environment of cooling fundamentals could leave investors dangerously exposed to even mild shocks.   Quiet Distress and the Maturity Wall   Another issue masked by short-term optimism is the growing volume of loan maturities. These include both regularly scheduled maturities and loans previously extended during 2021–2023 that are now reaching their end.   Fiorilla notes that many of these are being addressed quietly. Lenders, reluctant to force asset sales, are working with borrowers on a case-by-case basis. The result: distress is real, but it's largely invisible. There's little evidence of forced portfolio liquidations or widespread delinquencies – yet.   The availability of capital, particularly for multifamily, is helping to buffer these pressures. There's no shortage of dry powder. But absent a sharp rate reversal or improved clarity from policymakers, the sector could see a slow bleed of marginal deals rather than a systemic reset.   Underappreciated Geopolitical Risk   One of the most thought-provoking parts of the conversation concerns CRE's growing sensitivity to global and political dynamics. This is a structural change. The U.S. has long benefited from its role as a stable, rule-of-law jurisdiction. But shifts in foreign policy, trade restrictions, and political dysfunction are beginning to weigh on foreign investment.   Declining Canadian cross-border investment and tighter restrictions on visa travel are, in part, evidence of this shift. These aren't headline stories but they are meaningful. If the U.S. loses its perception as a reliable haven for capital, CRE pricing could face downward pressure from shrinking foreign demand. This is a long-term trend worth monitoring closely, not a transitory blip.   What He's Watching   When asked what indicators he watches most closely, Fiorilla points to three primary metrics: Occupancy Rates – Particularly in high-supply markets. Stabilized occupancy below 94% would be an early warning sign. Absorption Trends – A sustained drop in household formation or leasing activity could signal weakening demand. Employment Data – Job losses, especially if broad-based, would ripple into rent growth and occupancy. He also monitors transaction volume as a proxy for investor confidence. If deal flow freezes again, that would signal a recalibration of forward expectations.   Final Reflection   While Fiorilla resists giving investment advice, his closing thoughts reflect a conservative posture. He's not sitting on the sidelines entirely but he's not rushing in either. Caution, portfolio balance, and realistic expectations are the guiding principles.   For CRE professionals, this conversation is a reminder to look past sentiment and dig into the data and the fundamentals: local supply pipelines, policy shifts, interest rate trends, and the fragility of assumptions underpinning future rent growth. The macro backdrop is far from stable and the margin for error, even in multifamily, may be thinner than it appears.   *** In this series, I cut through the noise to examine how shifting macroeconomic forces and rising geopolitical risk are reshaping real estate investing.   With insights from economists, academics, and seasoned professionals, this show helps investors respond to market uncertainty with clarity, discipline, and a focus on downside protection.    Subscribe to my free newsletter for timely updates, insights, and tools to help you navigate today's volatile real estate landscape. You'll get: Straight talk on what happens when confidence meets correction - no hype, no spin, no fluff. Real implications of macro trends for investors and sponsors with actionable guidance. Insights from real estate professionals who've been through it all before. Visit GowerCrowd.com/subscribe Email: adam@gowercrowd.com Call: 213-761-1000

Igor Neumann, co-founder of Firefish, discusses the innovative approach of their Bitcoin lending platform. Firefish operates as a decentralized marketplace connecting borrowers and lenders, allowing users to leverage their Bitcoin as collateral for loans. Igor explains the unique features of their protocol, the loan terms, user demographics, and the growing interest in Bitcoin collateralized loans. He also addresses the technical aspects of their platform, including liquidation processes and compliance with regulations, while highlighting the evolving landscape of Bitcoin lending in the EU.Takeaways

*5:00am: Borrower's Blacklist *6:00am: “Oh This Will Be Easy” But It Wasn't, Justin & Hailey Bieber *7:00am: Graduation Songs *8:00am: Graduation Pictures *9:00am: Phrase You Use Or Impressed You

Did you know that you are supposed to fly your flag at half mass until noon and then raise it until sundown? How did Memorial Day come to be, what are we celebrating, and how is it different than Veteran's Day. Short history lesson from the Mortgage Mom! 844-935-3634, call us! Debbie Marcoux - AZ-0941504, CA-237926, Fl-LO76508, GA-69178, ID, IL-031.0058339, NC, NV-57237, OR, TN-184373, TX, WA-MLO-237926 | JMJ Financial Group NMLS ID #167867 |Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act, Licensee Number 01134087. Interest rates and products are subject to change without notice and may or may not be available at the time of loan commitment or lock-in. Borrowers must qualify at closing for all benefits.

With the tariff news out of Washington changing almost daily, even a brief reprieve isn't of much comfort. Whether you're a banker, a borrower or a consumer looking to buy a big-screen TV with your credit card, stability and peace of mind have given way to uncertainty and anxiety. In this special episode of Bankadelic, host Lou Carlozo chats with Will Tumulty of Rapid Finance and Dr. Daniel Ahn of Delfi to get their read on how tariffs could impact the financial services industry — including the small businesses that depend on it — in the months ahead.

Today's show features: Bill Vaughn, General Manager of Al West Nissan, Ed Petersen, CEO of Wrench, Ryan Knight, Director of Operations at Knight Automotive Group. This episode is brought to you by: BizzyCar – How are top dealers keeping service profits high—even in uncertain times? They're using BizzyCar—the “easy button” for turning recall opportunities into real revenue. Built by dealers, for dealers, BizzyCar's AI-powered Recall Management and Mobile Service Platform helps service departments reengage lost customers, fill service bays, and boost revenue. Try BizzyCar today and get a special offer only for CDG listeners at https://carguymedia.com/bizzycar Wrench – Want to boost your gross profits by selling prepaid maintenance, without a service center? This new offering levels the playing field between independents like me and the big dealers. Wrench TotalCare lets you offer mobile maintenance plans—oil changes, tire rotations, even brakes—all done at your customer's home. Your customers get convenience. You get more revenue on every deal. And if you're using DealerCenter, it's already built into your workflow for seamless upsells.Not on DealerCenter? No problem. Visit https://carguymedia.com/wrench_ddl and start earning on every deal today. Interested in advertising with Car Dealership Guy? Drop us a line here: ⁠⁠https://cdgpartner.com⁠⁠ Interested in being considered as a guest on the podcast? Add your name here: ⁠⁠https://bit.ly/3Suismu⁠⁠ Check out Car Dealership Guy's stuff: CDG News ➤ ⁠⁠⁠https://news.dealershipguy.com/⁠⁠⁠ CDG Jobs ➤ ⁠⁠⁠https://jobs.dealershipguy.com/⁠⁠⁠ CDG Recruiting ➤ ⁠⁠⁠https://www.cdgrecruiting.com/⁠⁠⁠ My Socials: X ➤ ⁠⁠⁠https://www.twitter.com/GuyDealership⁠⁠⁠ Instagram ➤ ⁠⁠⁠https://www.instagram.com/cardealershipguy/⁠⁠⁠ TikTok ➤ ⁠⁠⁠https://www.tiktok.com/@guydealership⁠⁠⁠ LinkedIn ➤ ⁠⁠⁠https://www.linkedin.com/company/cardealershipguy/⁠⁠⁠ Threads ➤ ⁠⁠⁠https://www.threads.net/@cardealershipguy⁠⁠⁠ Facebook ➤ ⁠⁠⁠https://www.facebook.com/profile.php?id=100077402857683⁠⁠⁠ Everything else ➤⁠⁠⁠ dealershipguy.com

Welcome to another power-packed episode of the FinTech Hunting Podcast, hosted by Michael Hammond!In this episode, we're joined by Nick Belenky, Managing Director of Solution Sales, and Matt Dowd, VP of Product Management at ICE Mortgage Technology, two of the brightest minds reshaping the mortgage tech space. If you're a lender, LO, or fintech leader navigating today's volatile market—this is the strategic blueprint you've been waiting for.

One in every 10 Montanans carries student loan debt. Borrowers far behind on payments will soon be hit with severe penalties.

The federal government restarted collections following a five-year pause, which could impact five million borrowers with millions more on the precipice of going into default, according to the Department of Education.

Inland Revenue has collected more than $207 million in repayments since July last year from student loan borrowers living overseas in the past 9 months. This is a 43 percent increase on the same period from the previous year. Currently, 71 percent of overseas student loan borrowers are in default - and together, they owe about $2.3 billion in loans, penalties and interest. Deloitte tax partner Robyn Walker explains why the IRD is so invested in getting these repayments back. LISTEN ABOVESee omnystudio.com/listener for privacy information.

Are CRE and multifamily investors prepared for higher-for-even-longer interest rates? The Fed's decision to maintain the current level of the federal funds rate is no surprise, but this does not eliminate the challenges that persistently high interest rates have brought. The multifamily market may be the best-positioned CRE sector in the current economic environment, but many apartment operators are taking a cautious "heads in beds" strategy.Sources discussed in this episode:The New York Times: “As Fed Holds Rates Steady, Powell Says Next Step Is ‘Not at All Clear'” - https://www.nytimes.com/2025/05/07/business/federal-reserve-may-meeting.html FOMC May 7 Statement: https://www.federalreserve.gov/newsevents/pressreleases/monetary20250507a.htmNewmark: “Q1 2025 Capital Markets Report” - https://www.nmrk.com/storage-nmrk/uploads/documents/hotel-nsights/1Q25-Newmark-State-of-the-U.S.-Capital-Markets_External.pdf CREDiQ: “The Extend-and-Pretend Surge: $40 Billion in CRE Loan Modifications Signals a Shifting Market” - https://cred-iq.com/blog/2025/04/17/the-extend-pretend-surge-40-billion-in-cre-loan-modifications-signals-a-shifting-market/ Cushman & Wakefield: “Multifamily's ‘firm foundation . . . through this next period of volatility'” - https://assets.cushmanwakefield.com/-/media/cw/americas/united-states/insights/research-report-pdfs/2025/multifamily-digest-may-2025.pdf?rev=e6619f079c7444b9b645574c1400f30e RealPage: “Operators Appear to Buy Occupancy as Rent Growth Slows in April” - https://www.realpage.com/analytics/april-2025-data-update/ Download Gray Capital's latest report: ⁠https://www.graycapitalllc.com/window/⁠Sign up for our free multifamily newsletter here: ⁠https://www.graycapitalllc.com/newsletter⁠ DISCLAIMERS: This podcast does not constitute professional financial advice and is for educational/entertainment purposes only. This podcast is not an offer to invest. Any offering would be made through a private placement memorandum and would be limited to accredited investors.

On this week's second edition of Political Breakfast, the gang talks about the plight of federal student loan borrowers who are now expected to start paying them back. That's after being given a reprieve during the Biden Administration. Plus, Georgia Democrats picked former two-time statewide candidate and Atlanta attorney Charlie Bailey to head the party. He replaces Georgia Congresswoman Nikema Williams. Democratic strategist Tharon Johnson, Republican strategist Brian Robinson and host Lisa Rayam discuss what this means for 2026 races. And a new poll shows Atlanta Mayor Andre Dickens with high approval ratings going into his reelection.See omnystudio.com/listener for privacy information.

Welcome to The Chrisman Commentary, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.In today's episode, we look at how potential home buyers are being incentivized. Plus, Robbie sits down with Bob Simpson to dicsucc the evolving anti-fraud landscape, emerging threats in 2025, best practices for risk and anti-money laundering compliance, and some unforgettable stories from the front lines fighting fraud. And we close with a look at what is expected of the Federal Reserve and Fed Chair Jerome Powell today.Thank you to HomeEQ, the fully digital HELOC from Arc Home, which empowers brokers to quickly provide borrowers with easy access to their home equity. With fast, hassle-free funding in just days, HomeEQ offers a user-friendly platform that simplifies the entire process. Brokers can benefit from competitive compensation, along with comprehensive training and a complete marketing plan designed to help them re-engage former clients and grow their business. Discover how HomeEQ can enhance your offerings by visiting homeeq.archome.com/chrismanpod.

The Fed is holding strong with their Higher For Longer stance. When will we finally get that first rate cut in 2025? 844-935-3634, call us! Debbie Marcoux - AZ-0941504, CA-237926, Fl-LO76508, GA-69178, ID, IL-031.0058339, NC, NV-57237, OR, TN-184373, TX, WA-MLO-237926 | JMJ Financial Group NMLS ID #167867 |Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act, Licensee Number 01134087. Interest rates and products are subject to change without notice and may or may not be available at the time of loan commitment or lock-in. Borrowers must qualify at closing for all benefits.

Student loan borrowers face significant changes as collection practices resume and the Department of Education faces potential dismantling by December 2026. Deborah Paul from the Louisiana Office of Student Financial Assistance explains what borrowers need to know about these changes and how to navigate them effectively.• Student loans are considered in default after 270 days without payment• Only 38% of student loans are currently being paid as agreed• Default consequences include wage garnishment (up to 15%), tax refund seizure, and credit damage• Collection activities resume May 5th with at least 30 days notice before garnishment begins• Borrowers can rehabilitate defaulted loans with 9 consecutive monthly payments• Income-driven repayment plans calculate payments based on what borrowers can afford• Deferment options exist for those returning to school, serving in military, or facing economic hardship• Forbearance provides temporary relief for short-term financial difficulties• The Department of Education dismantling would transfer functions to Treasury, HHS, and Justice departments• Check your loan status at studentaid.gov by accessing the National Student Loan Data System• Dual enrollment programs allow high school students to earn college credits, potentially graduating with associate degrees• Future changes may include eliminating PLUS loans, increasing Pell Grant requirements, and decreasing loan limitsContact Federal Student Aid at studentaid.gov to check your loan status and explore your options. Default can severely impact your financial future, so take action now before collection activities intensify.Have an idea for a show or a question for Kim? Send us a text messageSupport the showWelcome to Money Matters, the podcast that focuses on how to use the money you have, make the money you need and save the money you want – brought to you by Neighbors Federal Credit Union. The information, opinions, and recommendations presented in this Podcast are for general information only and any reliance on the information provided in this Podcast is done at your own risk. This Podcast should not be considered professional advice.

Over five million US borrowers are in default, with their loan 270 days past due. Four million haven't made payments in 90 days. Now, the five-year pause on collections for defaulted student loans ended Monday.The original pause goes back to a 2020 pandemic-era policy, but it was extended multiple times during the Biden administration. For those in default, the collection of that debt may mean dipping into paychecks, tax refunds, and social security benefits. These collections are being restarted weeks after the Department of Education has seen its staff cut by half. Borrowers are also dealing with glitching and outages on financial aid websites.We answer your questions about student loans and hear why so many borrowers are considered "seriously delinquent."|Want to support 1A? Give to your local public radio station and subscribe to this podcast. Have questions? Connect with us. Listen to 1A sponsor-free by signing up for 1A+ at plus.npr.org/the1a.Learn more about sponsor message choices: podcastchoices.com/adchoicesNPR Privacy Policy

The following guest sits down with host Justin White:•   Brandon Brotsky – Co-founder and Co-owner, Reach Home LoansCommit to Creating Content to Grow Your Brand and Your BusinessThere's no better way to get in front of clients and referral partners than by making sure they see you as often as possible. Why should mortgage loan originators commit to creating video content? Listen to Episode #96 of Good. Better. Broker. to find strategies for creating videos that will turn you into someone who borrowers and real estate agents want to work with.In this episode of the Good. Better. Broker. podcast, you'll learn how to enhance your brand through a consistent commitment to content creation.In this episode, we discuss ...•   1:32 – How Brandon's brand helps differentiate him from others•   2:48 – The decision to focus on video content for social media•   5:12 – How Brandon got comfortable in front of the camera•   6:20 – How Brandon generates ideas for his videos•   8:20 – How AI influences Brandon's content•   9:46 – Repurposing content ideas•   11:00 – Ways Brandon hooks his audience•   12:15 – Brandon's best-performing video concept•   13:57 – How to balance originating vs. creating content•   17:36 – Long-term content•   20:24 – How social media content helps Brandon help his agents•   22:18 – Brandon's future plans for contentShow Contributors:Brandon BrotskyConnect on LinkedInConnect on FacebookConnect on InstagramAbout the Host:Justin White is UWM's in-house brand journalist and the host of the daily news video, Inside Pass. He creates engaging content across multiple platforms to promote the benefits of the wholesale channel and partnering with UWM. A seven-time Emmy-award winner, Justin is a graduate of the S.I. Newhouse School of Public Communications at Syracuse University.Connect with Justin on LinkedIn, Instagram or TwitterConnect with UWM on Social Media:•   Facebook•   LinkedIn•   Instagram•   Twitter•   YouTubeHead to uwm.com to see the latest news and updates.

On Monday, the U.S. Department of Education is expected to resume collections on student loans that are in default, ending a five-year pause that first began at the start of the pandemic. According to the agency, more than 5 million borrowers are in default, which typically happens after nine months of non-payment on a federal student loan. The federal government can force collections on defaulted student loans by garnishing wages, tax refunds or Social Security benefits.  About 500,000 Oregonians have student loans, most of which have balances between $10,000 and $40,000, according to Lane Thompson, the Oregon Student Loan Ombuds. That position was created through the passage of SB 485 in 2021 that also required all companies that service student loans in Oregon to be licensed by the state’s Division of Financial Regulation. Thompson joins us to share more information about her office and offers advice for borrowers in Oregon. 

More than 5 million borrowers are now at risk of collections. One borrower, Jana Heartwood, says she was blindsided by the notice despite checking her loan account regularly. In a new interview touching on his efforts to deport migrants, President Trump was asked if he needs to uphold the U.S. Constitution as president, to which he answered, "I don't know." Mr. Trump also announced potential new tariffs over the weekend. CBS News' Nancy Cordes has more. Police say a man and a teenager were arrested in connection to an alleged plan to detonate explosives during Lady Gaga's record-breaking concert in Brazil on Saturday. CBS News' Adriana Diaz has more. In an interview with the BBC, Prince Harry said he wants to reconcile with members of the royal family, including his father King Charles, who was diagnosed with cancer last year. The Duke of Sussex also spoke about a decision by the U.K. Court of Appeals to deny blanket security coverage, which Harry says will impact his ability to bring his family back to the U.K. Jury selection begins on Monday in Sean "Diddy" Combs' federal trial. The hip-hop mogul faces charges that include sex trafficking and racketeering. If convicted, the 55-year-old could spend the rest of his life in prison. Warning, this story contains disturbing images. CBS News legal contributor Rikki Klieman joins "CBS Mornings" to break down Sean "Diddy" Combs' trial, what to expect from the defense and jury selection. Suzy Welch's new book "Becoming You" adapts her acclaimed course to help readers discover their purpose and build a life they truly want. To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

Welcome to The Chrisman Commentary, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.In today's episode, we look at Hispanic home ownership in the U.S. Plus, Robbie sits down with TD Bank's Scott Lindner for a discussion on how to better educate potential homebuyers on financial readiness and engender loyalty that will lead to repeat business. And we close with a look at what is expected of the Federal Reserve this week.Thank you to HomeEQ, the fully digital HELOC from Arc Home, which empowers brokers to quickly provide borrowers with easy access to their home equity. With fast, hassle-free funding in just days, HomeEQ offers a user-friendly platform that simplifies the entire process. Brokers can benefit from competitive compensation, along with comprehensive training and a complete marketing plan designed to help them re-engage former clients and grow their business. Discover how HomeEQ can enhance your offerings by visiting homeeq.archome.com/chrismanpod.

May 2, 2025 ~ Starting on May 5, student loans in default may face collection actions, including tax refund offsets and wage garnishment. Brian Walsh, head of Advice and Planning at SoFi, talks with Lloyd, Jamie, and Chris Renwick about the potential impact to millions of borrowers, and options open for borrowers to utilize to set up payment plans.

Welcome to The Chrisman Commentary, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.In today's episode, we look at whether the U.S. economy is growing or shrinking. Plus, Robbie sits down with CreditXpert's Mike Darne to discuss ways lenders and originators can help borrowers improve their credit scores and qualify for more mortgage programs and products. And we close with a review of Freddie Mac's quarterly earnings.Today's episode is sponsored by CreditXpert—the credit optimization platform that helps today's top mortgage originators and more than 60,000 mortgage professionals qualify more applicants, make more competitive offers, reduce LLPA premiums and close more loans. Download your free copy of the credit optimization playbook today at creditxpert.com/chrisman. 

Reading the economic reports this week, GDP was lower than anticipated. It was honestly quite bad, but consumer spending is up, month over month, from February to March 2025. The Core PCE inflation numbers came in higher than expected, and it is anticipated that the Fed will hold rates steady at next Wednesday's meeting. But, will we get a quick knee jerk reaction that will give many homeowners and homebuyers an opportunity to lock in an interest rate? 60% of analysts are expecting our first rate cut from the Fed in 2025 to be at their June meeting. Traders and investors will be hanging on to every word that is Fed Chairman Jerome Powell says trying to gauge their next move. I am predicting a good amount of volatility following the meeting. If the market swings in our favor, it could be the best rates that we have seen in 2025. 844-935-3634, call us! Debbie Marcoux - AZ-0941504, CA-237926, Fl-LO76508, GA-69178, ID, IL-031.0058339, NC, NV-57237, OR, TN-184373, TX, WA-MLO-237926 | JMJ Financial Group NMLS ID #167867 |Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act, Licensee Number 01134087. Interest rates and products are subject to change without notice and may or may not be available at the time of loan commitment or lock-in. Borrowers must qualify at closing for all benefits.

Working with Repeat Borrowers - #268 In this episode, we're diving deep into one of the most powerful—and often underappreciated—aspects of private lending: working with repeat borrowers. Whether you're a seasoned hard money lender or just getting started, learning how to build long-term relationships with trusted investors can transform your business. Jason breaks down the huge ROI potential of working with repeat clients, how to think about customer acquisition cost vs. lifetime value, and why residential fix & flip borrowers often present more recurring opportunities than commercial ones.

Continuing our NACUSO Reimagine coverage, Glen speaks with Silvur founder Rhian Horgan about the “social journey of retirement” and how credit unions can play to their strengths in transitioning their biggest borrowers into their biggest depositors. Also- more of John's conversation with cybersecurity expert Emma Zaballos about DeepSeek's rise and the broader operational concerns around AI.   Links related to this episode:   Silvur: https://www.silvur.com/   CyCognito: www.cycognito.com/     NACUSO: https://www.nacuso.org/   Our first batch of NACUSO coverage featuring interviews with Next Big Idea winner GoodBuy and CUSO law leader Brian Lauer: https://www.big-fintech.com/big-ideas-cut-through-the-chaos/      Part 1 of John's interview with CyCognito's Emma Zaballos: https://www.big-fintech.com/deepseek-bytedance-and-the-ai-arms-race/   Honey, I Shrunk the NCUA Board (not a laughing matter): https://www.big-fintech.com/honey-i-shrunk-the-ncua-board/   Former NCUA Board Chair Todd Harper's recent LinkedIn post on his firing: https://www.linkedin.com/posts/toddmharper_creditunions-activity-7320942790429786114-Igzi   The CU Daily's story on Americans still misunderstanding credit card debt: www.thecudaily.com/3399-2/    Join us on Bluesky!  @bigfintech.bsky.social;  @154advisors.bsky.social (Glen); @jbfintech.bsky.social (John) And connect on LinkedIn for insights like the Friday Fintech Five: https://www.linkedin.com/company/best-innovation-group/  https://www.linkedin.com/in/jbfintech/ https://www.linkedin.com/in/glensarvady/

On today's podcast, Tara and Stephanie discuss the death of Pope Francis, Klaus Schwab stepping down from the WEF, Google losing their latest antitrust lawsuit, new fraud allegations against Letitia James, and Gavin Newsom's “marginality.” Your hosts also talk about another leak investigation at the Pentagon, the federal government's new Covid.gov website, Florida banning weather modification, RFKJ's food dye announcement, billions in new investments in America, the DOE's notification to student loan borrowers, and anew conspiracy about American technology that can bend space and time. Want to join the conversation? Connect with Stephanie and Tara on TikTok, X, Spotify, Rumble, YouTube, Truth Social, Facebook, and IG. https://msha.ke/unapologeticallyoutspoken/

Roughly two-thirds of outstanding student loans are currently delinquent or in default... What those borrowers need to know right now about the Trump administration's decision to accelerate collection efforts (at 12:10) --- Warmer weather means it's time to ride... Some reminders for motorcyclists about staying safe on the road (at 23:10) --- Another collection of delicious and easy-to-make recipes from Kyra's Kitchen (at 41:29)

I focused on an issue that has been a major story in the media recently. Homeowners monthly payments are skyrocketing because of their property tax bills. Please understand how it works and what you can do as a homeowner or a new buyer to safeguard yourself from a messy situation later! 844-935-3634, call us! Debbie Marcoux - AZ-0941504, CA-237926, Fl-LO76508, GA-69178, ID, IL-031.0058339, NC, NV-57237, OR, TN-184373, TX, WA-MLO-237926 | JMJ Financial Group NMLS ID #167867 |Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act, Licensee Number 01134087. Interest rates and products are subject to change without notice and may or may not be available at the time of loan commitment or lock-in. Borrowers must qualify at closing for all benefits.

In this conversation, David Little shares his entrepreneurial journey from a W2 employee in the engineering sector to a full-time entrepreneur in the real estate space, specifically focusing on hard money lending. He discusses the challenges and insights gained throughout his journey, including the importance of trust with investors, the strategic decision to focus on the Texas market, and the balance between work and family life. David emphasizes the need for business owners to delegate tasks and value their time as they grow their businesses. In this conversation, Rob Chevez and David Little explore the journey of entrepreneurship, focusing on the transition to a new mindset, learning from past mistakes, identifying successful borrowers, the importance of partnerships, and defining business goals. They emphasize the significance of personal growth and the need for autonomy in business, while also discussing the complexities of partnerships and the importance of aligning values and goals with partners.

On Monday, the Department of Education announced that it will resume collections on defaulted loans on May 5th. That’s after a five year pause started in the midst of the covid pandemic. More than 42 million people in the United States have student loans through the federal government. And, according to the Department of Education, five million have not made a payment in the last year. Experts warn that this push for repayment will put loan holders in difficult financial situations and could have a big impact on an already unstable economy. GUEST: Stacy Cowley, business reporter for the New York Times RELATED LINKS: Millions of Student Loan Borrowers Are Behind on Payments Education Department Will Resume Collections on Student Loan Debt Trump administration to resume collections on student loan borrowers in default Thank you to the supporters of KUOW, you help make this show possible! If you want to help out, go to kuow.org/donate/soundsidenotes Soundside is a production of KUOW in Seattle, a proud member of the NPR Network.See omnystudio.com/listener for privacy information.

Nationally syndicated financial columnist and author Terry Savage joins Lisa Dent to discuss the latest in financial news. Savage reviews the volatile state of the stock market, the trade war with China, and student loan borrowers.

According to the Associated Press, beginning May 5, the Education Department will resume collecting defaulted student loans through the Treasury Department's offset program, which withholds tax refunds, federal salaries, and benefits. Borrowers may also face wage garnishment after 30 days' notice. This move ends a COVID-era pause on collections in place since March 2020. About 5.3 million borrowers are currently in default, with millions more at risk. Advocates criticize the policy as harsh and confusing, citing frequent policy shifts between administrations. Some borrowers struggle to understand repayment options, especially after recent court rulings disrupted income-driven repayment plans. Learn more about your ad choices. Visit megaphone.fm/adchoices

The Trump administration is taking a different approach to student debt and many borrowers will notice it right away. In May, the Department of Education will begin collecting payments from borrowers in default, ending a pause that began during the pandemic. The government will withhold tax refunds and garnish wages to recover the debt. Geoff Bennett discussed more with Danielle Douglas-Gabriel. PBS News is supported by - https://www.pbs.org/newshour/about/funders

The following guest sits down with host Justin White:•   Craig Snell – VP of Sales, Milestone Mortgage SolutionsUsing an Education-Based Approach to Build Loyalty With Borrowers and AgentsSpending 45 minutes to an hour on an initial client call is a commitment, but if done properly, the return can be well worth the time. Why should mortgage brokers take an education-based approach with clients and referral partners? Listen to Episode #95 of Good. Better. Broker. to find out how the top-brokered LO in Massachusetts has won over borrowers and referral partners by advising instead of selling.In this episode of the Good. Better. Broker. podcast, you'll learn why taking the time to educate clients is a surefire way to not lose deals.In this episode, we discuss ...•   1:32 – why education became Craig's strategy•   3:14 – why Craig tells clients how he gets paid•   4:10 – how Craig avoids sounding like a salesperson•   5:34 – how Craig educates clients without overwhelming them•   7:27 – asking questions and explaining why you're asking them•   9:31 – telling clients about all their options and the best option•   10:29 – how to stop problems before they pop up•   11:29 – the impact of spending more time with clients on a first call•   15:26 – how relationships have helped Craig's production•   17:51 – how Craig's experience as a firefighter and paramedic helps him nowShow Contributors:Craig SnellConnect on LinkedInConnect on FacebookConnect on InstagramAbout the Host:Justin White is UWM's in-house brand journalist and the host of the daily news video, Inside Pass. He creates engaging content across multiple platforms to promote the benefits of the wholesale channel and partnering with UWM. A seven-time Emmy-award winner, Justin is a graduate of the S.I. Newhouse School of Public Communications at Syracuse University.Connect with Justin on LinkedIn, Instagram or TwitterConnect with UWM on Social Media:•   Facebook•   LinkedIn•   Instagram•   Twitter•   YouTubeHead to uwm.com to see the latest news and updates.

Send us a textEver wondered why student loans feel like a black hole of debt?In this episode of 'Women and Money - The Shit We Don't Talk About', we cover the often overwhelming topic of student loans with our guest, Elaine Rubin. Elaine is a bilingual student loan and financial aid expert with more than 15 years of experience in federal and private student aid. Elaine shares her personal experiences with student loan debt, offering strategies for managing loans effectively. This episode covers the pitfalls of taking out too many loans, the importance of long-term planning and budgeting, and the various repayment options available. She also stresses the importance of understanding the terms and conditions of student loans to avoid long-term financial burdens. Many challenges faced by first-generation college students bring heavy impact on women's financial independence, especially when balancing career and family. The episode expands the need for smarter financial decisions and the importance of seeking expert advice to navigate the intricacies of student loans.Listen to this episode to learn about effective strategies for loan repayment, the pros and cons of Parent PLUS loans, and practical advice for managing student loans without sacrificing your financial future. 00:00 Intro05:57 Expert Insights on Student Loans08:37 Elaine's Personal Journey 13:13 Common Mistakes and Strategies for Managing Student Loans16:31 The Impact of Student Loans on Families and Future Planning23:57 Strategizing Loan Repayment25:04 Simplifying Financial Aid26:14 Scholarship Strategies29:06 Advice to My Younger Self32:16 Understanding Loan Interest Rates37:24 Balancing Debt and LifeFollow & connect with us!Facebook PageFacebook groupInstagramTikTokLinkedInYouTubeFollow & Connect with Elaine:Website LinkedInFacebookResourcesHave questions? Click this to check out our expert Q&A for tips from industry experts, tailored to help women address their most common financial concerns. Subscribe to our newsletter to receive financial tips delivered weekly here!Explore our free guides to help you on your financial journey Join the Purse Strings Facebook group: https://www.facebook.com/pursestringsco/ To learn more about money and access additional episodes, visit us online: https://pursestrings.co/

The Department of Education just dropped a negotiated rulemaking announcement, and while it might sound like dry policy talk, this one's worth your attention — especially if you're pursuing Public Service Loan Forgiveness (PSLF), on Pay As You Earn (PAYE), or using Income-Contingent Repayment (ICR). Learn what negotiated rulemaking actually means, why it matters, and what kinds of changes could be on the horizon for federal student loan repayment. We'll also walk through the strategy behind these proposed updates, what the timeline might look like, and the political and legal dynamics that could affect how this all plays out. Key moments: (03:20) My initial take: borrowers don't need to panic just yet — and here's why (05:35) What these changes could actually mean for PSLF borrowers (06:59) PAYE and ICR might be affected, but IBR is protected by statute  (10:49) The GOP proposal targets nonprofit hospitals, but I don't think it'll go anywhere (12:34) With 2026 elections in sight, student loan overhauls will probably stay pretty modest Like the show? There are several ways you can help! Follow on Apple Podcasts, Spotify or Amazon Music Leave an honest review on Apple Podcasts  Subscribe to the newsletter Feeling helpless when it comes to your student loans? Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan Get profession-specific financial planning Do you have a question about student loans? Leave us a voicemail here or email us at help@studentloanplanner.com and we might feature it in an upcoming show!  

This podcast segment covers the MBA's renewed push for federal legislation to restrict abusive trigger lead practices and strengthen homebuyer privacy protections.-------------------------------------------------------------Adam DeSanctis, VP of Communication at Mortgage Bankers AssociationAs a strategic public affairs and communications executive with nearly two decades of experience, Adam has deep expertise in strategy, management, and media relations. He is widely considered to be an expert in a variety of communications, including advocacy, brand, executive, crisis, grassroots, and social media. In his career, he has been the MBA spokesperson on a wide variety of real estate research and advocacy-related issues, promoted MBA research and advocacy efforts to financial, political, and trade industry media and on MBA's social media channels, and secured media opportunities for MBA leadership on key real estate trends and issues, generated media coverage for MBA's research and data on mortgage applications, credit availability, homebuilder applications, mortgage forbearance/delinquencies, commercial real estate originations, and forecasts, and other industry analysis, developed key strategic initiatives for MBA's organizational public affairs plan, media relations and member communications support for mPower, MBA's Opens Doors Foundation and MBA's Diversity, Equity, and Inclusion programs.

More than 9 million student-loan borrowers could see a decline in their credit scores in the first half of the year, according to the Federal Reserve Bank of New York. Wall Street Journal reporter Oyin Adedoyin joins host Ariana Aspuru to discuss what you should do if you are at risk.  Sign up for the WSJ's free Markets A.M. newsletter.  Learn more about your ad choices. Visit megaphone.fm/adchoices

Student loan borrowers saw a bit of a reprieve during the pandemic and the following years, with many lenders stopping repayment obligations and freezing interest accrual. That party is now over, and holders of student debt are under increasing financial pressure amid more widespread economic uncertainty. Plus, a look inside Congress to see why Republican lawmakers are looking to overturn Biden-era rules limiting banking fees. And, the latest mortgage rate data may suggest a loosening in the housing market, but some experts advise against drawing any premature conclusions.

Student loan borrowers saw a bit of a reprieve during the pandemic and the following years, with many lenders stopping repayment obligations and freezing interest accrual. That party is now over, and holders of student debt are under increasing financial pressure amid more widespread economic uncertainty. Plus, a look inside Congress to see why Republican lawmakers are looking to overturn Biden-era rules limiting banking fees. And, the latest mortgage rate data may suggest a loosening in the housing market, but some experts advise against drawing any premature conclusions.