Podcasts about The Borrowers

 In this must-watch episode of Fintech Hunting, host Michael Hammond welcomes back Dan Bailey, SVP at WFG Enterprise Solutions, to uncover how WFG is transforming title, valuation, and lending operations with next-gen technology and service-first culture.

The AJ Bell Money & Markets podcast team give you the latest insights on issues affecting your personal finances, investments and pensions.  Dan Coatsworth explains why there has just been a brief shock on the markets around fears of a new banking crisis. [2:10]. You can also hear why Unilever won't be splitting off its ice cream arm in mid-November as previously planned. [4:05] Dan and Charlene dissect the latest UK inflation data and explain why it was treated with widespread celebration. The inflation figure strengthens the argument for interest rate cuts and gives people in retirement clarity on how much the state pension will pay from next April, as September's inflation result is used in the calculation. [8:25] The government has issued a white paper that points to changes around the costs of going to university, and the funding methods available. [14:02] Tom Sieber talks about the latest property market trends [17:14], while Dan tunes into the latest results from Netflix [26:10 ]. Charlene has some worrying statistics about pensioners being hit by tax on savings accounts. [21:05] To round things off, we conclude our conversations with various experts on what could happen if there is an AI bubble and that bubble bursts. Danni Hewson caught up with Julian Bishop from Brunner Investment Trust [32:02] while Dan talks to Marcel Stötzel from Fidelity European. [40:54]

Watch The X22 Report On Video No videos found (function(w,d,s,i){w.ldAdInit=w.ldAdInit||[];w.ldAdInit.push({slot:17532056201798502,size:[0, 0],id:"ld-9437-3289"});if(!d.getElementById(i)){var j=d.createElement(s),p=d.getElementsByTagName(s)[0];j.async=true;j.src="https://cdn2.decide.dev/_js/ajs.js";j.id=i;p.parentNode.insertBefore(j,p);}})(window,document,"script","ld-ajs");pt> Click On Picture To See Larger Picture Lee Zeldin will be releasing info on the climate control system that the [DS] have been using. The [CB] is trying to push the economy over the edge before Trump's system take effect. Prediction for gold $8000 an ounce. Trump has brought the deficit down to 2019 levels. The [DS] is going to track Ice, which means they are assisting the criminals. Brennan is now sending message to Comey that nobody is going to sing and turn on you. The [DS] is pushing war and Trump know they are doing this, this is part of their 16 year plan. Trump is using the enemies tactics against them. He just placed sanctions on Russia, this has been done since 2014 and it did not hurt Russia or stop Russia. Trump is leading the [DS] down the path to war and he will usher in peace, the art of war.   Economy  https://twitter.com/onechancefreedm/status/1980992971840319512  the weight of bad loans and alleged fraud. Then First Brands, a heavily indebted auto parts manufacturer, filed for Chapter 11. Now, PrimaLend Capital Partners, another subprime lender has fallen after defaulting on its bond payments, pushed into bankruptcy by unpaid creditors. These aren't isolated blowups; they're the first visible cracks in a broader credit contraction that's been quietly building beneath the surface. What links them all is the same structure of fragility: loans to high risk borrowers, funded through short term credit and securitized into complex bonds that depend on constant refinancing. When the Fed held rates near zero, that model worked but after two years of policy tightening and an average fed funds rate above 4.4%, the entire subprime ecosystem is choking on its own leverage. The subprime auto sector is the perfect early warning signal because it sits at the intersection of consumer stress and financial engineering. Borrowers with weaker credit are defaulting at rising rates, repossessions are spiking, and lenders like PrimaLend that rely on bond markets for funding are discovering those markets have no appetite for risk. This is about a chain reaction through the private credit and asset backed markets that financed them. Dimon's cockroaches aren't just in subprime auto, they're spread across the shadow banking system. Many private credit funds, BDCs, and securitized lenders hold similar exposure, marked to model rather than market. The first failures are surfacing where consumers feel the pinch first, but as liquidity tightens further, the stress will migrate up the credit spectrum, from auto loans to small business credit, to leveraged corporates, and eventually to the banks that lent to them. These bankruptcies are the financial equivalent of the first tremors before an earthquake. What looks contained in subprime auto today is really the credit cycle shifting into its next phase, one where overextended lenders, not just borrowers, start defaulting. The cockroaches are moving fast, and the lights have only just come on. Existing Home Sales Rise Off Record Lows As Mortgage Rates Drop  With mortgage rates tumbling, housing market participants were disappointed this week by the lack of enthusiasm by homebuyers to apply for mortgages (though there was a decent bounce in refi activity). This morning's existing home sales data (admittedly for September) will give us a further glimpse into the reality oh home-buying vs home-selling as the gap between current mortgage rates and the average existing mortgage rates remains vast...

Creating a home that supports your health and well-being is one of the most valuable investments you can make. In this episode, Judy explores how wellness-focused design enhances your living space — from air quality and natural light to the incredible benefits of infrared sauna therapy.

This Day in Legal History: Saturday Night MassacreOn October 20, 1973, a pivotal event in American legal and political history unfolded: the “Saturday Night Massacre.” Special Prosecutor Archibald Cox was fired by Solicitor General Robert Bork at the direct order of President Richard Nixon. Nixon's decision came after both Attorney General Elliot Richardson and Deputy Attorney General William Ruckelshaus refused to carry out the order and instead chose to resign. Cox had insisted on obtaining White House tapes related to the Watergate break-in, and Nixon, citing executive privilege, ordered him removed.The dismissals plunged the Justice Department into chaos and sparked widespread public outrage. Nixon's actions were viewed by many as a blatant abuse of power and a threat to the independence of the justice system. Congress was inundated with demands for Nixon's impeachment, and confidence in the executive branch eroded further. Though Bork ultimately carried out the dismissal, he later stated he believed it was his duty to preserve the functioning of the Justice Department.The fallout from the Saturday Night Massacre significantly intensified the Watergate investigation. Within months, new Special Prosecutor Leon Jaworski was appointed, and he continued the push for the tapes. Eventually, the U.S. Supreme Court ruled unanimously in United States v. Nixon (1974) that Nixon had to turn them over. The tapes revealed evidence of a cover-up, which led directly to Nixon's resignation in August 1974.President Trump commuted the federal prison sentence of former U.S. Representative George Santos, ordering his immediate release. Santos, who had been sentenced in April to over seven years for fraud and identity theft, was serving time for falsifying donor information and inflating fundraising figures to gain support from the Republican Party during his 2022 campaign. His short and controversial congressional tenure ended in expulsion following numerous scandals, including false claims about his education, employment history, and family background.Trump announced the commutation on Truth Social, arguing that Santos had been “horribly mistreated” and drawing comparisons to other “rogues” in the country who do not face such lengthy prison terms. Earlier in the week, Santos had publicly pleaded for clemency, praising Trump and expressing remorse for his actions. The commutation fits into a broader pattern of Trump's second-term use of clemency powers, which included mass pardons of January 6 defendants and relief for political figures from both parties. The Constitution grants the president wide authority to issue pardons or commute sentences for federal offenses.Trump commutes prison sentence of former lawmaker George Santos, orders him released | ReutersA proposed class action lawsuit was filed in federal court in Connecticut, accusing eight major U.S. banks—including JPMorgan Chase, Bank of America, Wells Fargo, Citibank, and U.S. Bank—of conspiring to fix the U.S. prime interest rate for over three decades. The plaintiffs, representing potentially hundreds of thousands of borrowers, claim the banks coordinated to align their prime lending rates with the Wall Street Journal Prime Rate, which is typically set at three percentage points above the federal funds rate. This rate influences trillions of dollars in consumer and small-business loans, such as credit cards and home equity lines.The suit alleges that this coordination inflated borrowing costs for consumers and small businesses, who were led to believe the rates were set independently. It also asserts that up until 1992, the Wall Street Journal published a range of prime rates that reflected competitive differences among banks, but since then has moved to publishing a single rate derived from input by a select group of large banks. Although the Wall Street Journal and Dow Jones are not named as defendants, the lawsuit challenges the transparency and independence of the current rate-setting process.Plaintiffs argue that decades of nearly identical prime rate pricing among the banks defies the notion of independent rate-setting. The banks named in the case have not yet made court appearances and mostly declined to comment. The suit, Normandin et al v. JPMorgan Chase Bank N.A. et al, aims to hold the institutions accountable for what plaintiffs call a longstanding, anti-competitive scheme.Borrowers sue major US banks over alleged prime rate-fixing scheme | ReutersChief Judge Colm F. Connolly of the U.S. District Court for Delaware issued a ruling that could significantly alter how early-stage patent litigation is handled, particularly regarding willful infringement claims. Reversing his earlier stance, Connolly held that requests for enhanced damages due to willful patent infringement are not standalone claims subject to early dismissal if the underlying infringement claims proceed. The decision came in a case involving clot-removal device patents, Inari Medical Inc. v. Inquis Medical Inc.This shift may complicate early settlements by increasing uncertainty and widening the valuation gap between plaintiffs and defendants. Because Delaware is a leading venue for patent disputes, Connolly's ruling may influence how courts across the country handle similar motions, although it's uncertain whether other judges will adopt the same reasoning. Legal scholars and practitioners note the opinion could lead to more aggressive pre-suit tactics from patent holders, such as sending demand letters alleging willfulness, which could provoke accused companies to initiate preemptive litigation in favorable jurisdictions.Connolly's approach represents a sharp departure from his prior treatment of willfulness claims and, according to experts, effectively lets plaintiffs include such allegations in their complaints without risk of early dismissal. However, the ruling also reaffirmed that plaintiffs still need to establish pre-suit knowledge of the patents to succeed on claims of post-suit willfulness or indirect infringement.Connolly's Willfulness Ruling Risks Scuttling Patent Settlements This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit www.minimumcomp.com/subscribe

We talk to Cameron Kusher in Sydney about the current real estate market, with news, and forecast trends. Boomers & Gen X Back in the Market: Why Over-40 Home Loans Are Surging in Australia. Experts warn affordability pressures are stretching across generations. ► Record A Message  https://www.speakpipe.com/realestateradio ► Subscribe here to never miss an episode: https://www.podbean.com/user-xyelbri7gupo ► INSTAGRAM: https://www.instagram.com/therealestatepodcast/?hl=en  The latest real estate news, trends and predictions for Brisbane, Adelaide, Canberra, Gold Coast, Sydney, Melbourne and Perth. We include home buying tips, commercial real estate, property market analysis and real estate investment strategies. Including real estate trends, finance and real estate agents and brokers. Plus real estate law and regulations, and real estate development insights. And real estate investing for first home buyers, real estate market reports and real estate negotiation skills. We include Hobart, Darwin, Hervey Bay, the Sunshine Coast, Newcastle, Central Coast, Wollongong, Geelong, Townsville, Cairns, Ballarat, Bendigo, Launceston, Mackay, Rockhampton, Coffs Harbour.     #PropertyInvestment #RealEstateInvesting #FirstTimeInvestor #PropertyManagement #RentalYields #CapitalGrowth #RealEstateFinance #InvestorAdvice #PropertyPortfolio #RealEstateStrategies #InvestmentTips #AssetProtection"   #sydneyproperty #Melbourneproperty #brisbaneproperty #perthproperty  #adelaideproperty #canberraproperty #goldcoastproperty #hobartproperty  #RealEstate #HousingCrisis #Australia #SustainableHomes #SydneyArchitecture #InterestRates  #RealEstateNews #MortgageTips #PropertyMarket #FinanceAustralia #BrisbaneInvesting #TownPlanningAustralia #SubdivisionTips #RealEstateDevelopment #adelaide#PerthRealEstate #FirstHomeBuyer #AustralianProperty #AustralianRealEstate #PropertyMarketUpdate #MortgageAustralia #FinanceTips #HousingAffordability #RealEstateTrends #AussieProperty    #MortgageRates #HomeLoans #BankingAustralia #PropertyMarket #MortgageTips #FinanceNews #InterestRates #HomeLoanDeals #RefinanceAustralia #AustralianBanks #MoneyMatters #RealEstateAustralia #PropertyInvestment

In this special "Best of 2025" episode of Mortgage 101, Clinton Wilkins breaks down the year's biggest trends in homeownership and mortgage lending. Clinton shares candid advice on the responsible use of home equity lines of credit, emphasizing the importance of not treating your home as an ATM.

In this episode, Erika sits down with Chris Baumann, Executive Vice President of Socotra Capital, to talk about what makes their company stand out as a “hard money lender with a heart.” Chris shares how he got started in the industry, the importance of company culture, and how Socotra Capital has built long-term trust with both investors and borrowers through fast, reliable lending.   Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:  Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership:  Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true ‘white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright:  Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a “mini-mastermind” with Mike and his private clients on an upcoming “Retreat”, either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas “Big H Ranch”? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform!  Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------

Accunet Mortgage & Realty Show 10-11-2025: Market Insights and Client Success## Government Shutdown and Economic DataThe recent government shutdown left mortgage professionals without critical data like the jobs report. However, Bureau of Labor Statistics employees were recalled to complete the September Consumer Price Index report—needed for Social Security cost-of-living adjustments. This matters because CPI measures inflation, the primary driver of mortgage rates.## Global Markets Impact Your RateJapanese political developments unexpectedly moved U.S. mortgage rates this week. Coalition negotiations caused rates to rise Monday, then fall Friday when the coalition collapsed. While you shouldn't track Tokyo politics, this shows how rates reflect complex global factors beyond local conditions.## Rate Options: No Single AnswerThere's no single “rate today.” Borrowers choose different approaches—some pay no points, others buy down their rate. The decision depends on loan size, equity, timeline, and cash preferences. Choose what aligns with your financial strategy.## Southeastern Wisconsin MarketSeptember sales rose 3% year-over-year to 1,546 transactions, though 20% below pre-pandemic levels. About 60-65% of homeowners have rates under 4%, creating a “lock-in effect.”Median prices rose 7% to $362,500, but single-family homes ($390,000, up 10%) outpaced condos ($280,000, up 1.5%). Inventory is improving—new listings exceeded closings by 583 homes, creating a 2.5-month supply (still a seller's market but trending toward balance).Competition remains steady: 46% of homes sold above asking. With inflation stabilizing, buyers may be more selective, letting good homes move fast while mediocre properties linger.## Success Story: Value Acceptance WinsA buyer transitioning from Illinois won with a $20,000 over-ask offer using strategic advantages:- **Value Acceptance**: Property qualified for no-appraisal at their offer price—eliminating risk and delays- **Proactive Communication**: Calling the listing agent to highlight this advantage- **Speed**: 10% down ready, committed to 2.5-week closeLesson: Combine financial readiness, strategic advantages, clear communication, and speed.## Smart Down Payment StrategyA buyer planning $43,000 down (12%) explored alternatives: Every $1,000 in down payment changed their monthly payment by only $6.50. Keeping $10,000 in savings costs about $65 monthly—roughly two restaurant deliveries.For homes needing work, having cash for repairs might outweigh minimal payment savings.**Balance Three Factors**: Money leaving savings, money remaining for reserves, and monthly payment comfort. The best choice depends on your situation, not generic rules.## Refinance RealityDon't wait for a full percentage point drop. On a $500,000 loan, even 0.5% saves $244 monthly—nearly $3,000 annually. Consider absolute savings and break-even timeline, not arbitrary rules.## Key TakeawaysMarkets are complex and globally connected. The best mortgage matches your specific cash position, income trajectory, and goals—not one-size-fits-all advice. Competitive success requires financial readiness, speed, and understanding advantages like value acceptance. Local dynamics matter most. Cash versus equity decisions should reflect your priorities and circumstances, helping you find what works best for your life and financial situation.​​​​​​​​​​​​​​​​

Fannie Mae and Freddie Mac have released temporary policies to keep the housing market moving during the government shutdown. In this episode, Kathy Fettke breaks down what the new rules mean for borrowers, lenders, and real estate investors — including changes to employment verification, paystub requirements, and forbearance options for furloughed workers. JOIN RealWealth® FOR FREE https://realwealth.com/join-step-1  FOLLOW OUR PODCASTS Real Wealth Show: Real Estate Investing Podcast https://link.chtbl.com/RWS SOURCES: https://singlefamily.fanniemae.com/media/43381/display https://guide.freddiemac.com/app/guide/bulletin/2025-E?utm_source=chatgpt.com 

When buyers with deeper pockets walk into a home, what makes them stop and say, this is the one?  In this episode we paint the picture of what wealthy buyers are really after—status, comfort, and effortless living—and tie it back to the emotional appeal of each feature. Homeowners - you don't need a mansion to highlight “luxury appeal.” It's about creating moments of luxury in everyday spaces. 'Windermere Ready' Specifically for homeowners preparing to sell their homes. See below HELP US SPREAD THE WORD!!  If you loved this episode, kindly leave us a Review - FOLLOW this show and Share it on Social !  It would mean the world  

Hear me out, we get rid of Haru and move Arrietty and her family into the mansion. Everyone would be happy, safe, and you can't tell me that wouldn't have been a better ending. All I'm saying is, we can get better help that isn't prejudiced towards the Borrowers. Is that too much to ask?Our Links:Ian WolffeSend us a text

On this episode of the Real Estate Notes Show, hosts Dave Putz (JKP Holdings) and Nathan Turner (Earnest Investing) sit down with Vaughn Bethell, who moved from wholesaling to building compliant, cash-flowing seller-financed notes—while helping families become homeowners. He breaks down exactly how he finds properties, underwrites borrowers, and structures notes that hold value (and stand up in court).✨ Key Takeaways

Want to double your Realtor referrals without chasing, cold-calling, or paying for leads?See how Travis Newton grew his production by $40 million!Check Out myAgent Classes HereEpisode Summary:Most mortgage professionals think their biggest challenge is inventory or affordability, but the real problem might be hiding in plain sight: your sales process. In this episode, I sit down with Jake Vermillion, CMO of Mortgage Champions, to unpack why most loan officers are still selling like it's 2021… and how that's quietly destroying trust, pull-through, and long-term loyalty.Jake reveals how misalignment between marketing and sales is creating a broken borrower experience—and what to do instead. From replacing “Apply Now” with value-first engagement, to knowing where AI belongs (and doesn't), this episode is a must-listen for any LO or leader who wants to stay relevant and competitive in 2025 and beyond.Connect WIth Jake on LinkedInLearn More About Mortgage ChampionsDouble Your Agent ReferralsCheck out myAgent Classes HereConnect With GeoffA Connect on InstagramS Connect on LinkedInK Subscribe on YouTubeSAY THANKS Leave a review on Apple PodcastsG Leave a rating on Spotify

Attorney Rae Kaplan of Kaplan Law Firm joins John Williams to talk about new legislation for Parent Plus borrowers that could make payment plans less expensive.

Attorney Rae Kaplan of Kaplan Law Firm joins John Williams to talk about new legislation for Parent Plus borrowers that could make payment plans less expensive.

Attorney Rae Kaplan of Kaplan Law Firm joins John Williams to talk about new legislation for Parent Plus borrowers that could make payment plans less expensive.

With a tsunami of mortgage renewals hitting this fall and wild swings in rate predictions, borrowers are scrambling to navigate unprecedented volatility in the mortgage market. Mortgage broker Kyle Green sits down with Adam & Matt this week to decode the chaos as his team sees a 50% spike in inquiries while Bank of Canada rate cut odds swing from 15% to 90% in a single week. From the Trump tariff impact that flipped variable versus fixed strategies to banks pushing aggressive year-end specials before October deadlines, this conversation cuts through the noise to reveal what actually drives your mortgage rate and when timing might save you serious money. Will September finally bring the rate relief borrowers are banking on? What's behind the disconnect between falling rates and flat market activity? And when the spread between three-year and five-year terms is only 20 basis points, how do you calculate which option actually saves you money over time? Don't miss this essential fall mortgage guide!   

Millions of people with federal student loans are facing changes to their payment options. And some new borrowers will deal with caps that won't cover the entire cost of their education. It's the result of a complete overhaul of federal student loan policies under President Trump's “Big Beautiful Bill.”

#ThisMorning | What #Changes at the US Department of #Education May Mean for #StudentLoan #Borrowers | Betsy Mayotte, The Institute of Student Loan Advisors | #Tunein: broadcastretirementnetwork.com #Aging, #Finance, #Lifestyle, #Privacy, #Retirement, #wellness

The Chrisman Commentary Daily Mortgage News Podcast delivers timely insights for mortgage lenders, loan officers, capital markets professionals, and anyone curious about the mortgage and housing industry. Hosted by industry expert Robbie Chrisman, each weekday episode breaks down mortgage rates, lending news, housing market trends, capital markets activity, and regulatory updates with insightful analysis, expert perspectives, and conversations with top professionals from across the mortgage industry. Stay informed, gain actionable insights, and keep up with developments in mortgage banking and housing finance. Learn more at www.chrismancommentary.com.In today's episode, we go through all the latest happenings from Washington DC and how they are impacting the mortgage industry. Plus, Robbie sits down with Porchlight's David Wells for a discussion on how the mortgage industry is shifting from a human-driven, siloed process to a fully programmatic, API-powered model that automates repetitive tasks, streamlines capital markets execution, and empowers loan officers to focus on high-value, trust-building relationships. And we close by looking at what the Fed's Beige Book said about economic stagnation.Sponsored by Gallus Insights. Mortgage KPIs, automated, at your fingertips. Gallus allows you to turn data from your various databases and systems into automated business intelligence and actionable insights. 

It's finally time to do the TOP 10 PARASITES! HOORAY! One of my absolute favourite subjects, I am SO HAPPY WE ARE DOING THIS ONE. Find out about some absolutely GREAT parasites here. YEAH! PARASITES! WOOOOOOO!In addition to ranking parasites, we also discuss The Borrowers, tongues, colonial organisms, horse-eye sausage extrusion, immortality and cats.This episode has a presumably unbeatable TTP (Time To Parasites) index of 10 seconds.Timestamps! In case you want to skip to your favourite parasite!02:58: Brain-Eating Amoeba05:48: Tongue-Eating Louse11:50: Figs13:38: Wasps20:35: Cordyceps23:47: Sexually Transmitted Dog Cancer30:10: Crab Barnacle34:20: Green Banded Broodsac40:50: Toxoplasma47:38: The Human Placenta56:17: Top Ten ranking Hosted on Acast. See acast.com/privacy for more information.

In this episode of the Real Estate Pros Podcast, host Pedro Pereira interviews Andrew Carlton, a seasoned expert in real estate, construction, and land development. Andrew discusses his innovative approach to funding solutions for borrowers, emphasizing the importance of building strong relationships and a capable team. He shares insights on navigating challenges in the real estate market and outlines his vision for future growth, including customizable funding options. The conversation highlights the significance of collaboration and knowledge in achieving success in the industry.   Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:  Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership:  Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true ‘white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright:  Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a “mini-mastermind” with Mike and his private clients on an upcoming “Retreat”, either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas “Big H Ranch”? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform!  Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------

Welcome to another episode of the AZREIA Show! Today we are joined by Jules Wrubel to discuss hard money lending and financing. Jules shares his journey from New York and New Jersey to Arizona, where he started in the mortgage business and transitioned into hard money lending.  He shares valuable insights and personal experiences, from making his first hard money loan to navigating the risks and rewards of financing unique deals. Jules discusses the importance of vetting deals and borrowers, maintaining proper paperwork, and the significance of having a strong network.  He also emphasizes the profound community impact of lending and outlines his upcoming plans for raising capital and teaching others about hard money lending.  This episode is packed with practical tips and inspiring stories for both seasoned investors and newcomers to the real estate world. Don't miss out on this insightful conversation! Key Takeaways: 02:24 Understanding Hard Money Lending 05:01 Evaluating Borrowers and Deals 11:09 Advice for New Lenders and Borrowers 16:34 Sharing the Good and Bad News 16:56 Organizing Paperwork for Mortgage Approval 17:23 The Importance of Being Prepared 18:28 Hard Money Lending Insights 21:04 Building Your Network for Funding 22:31 Door Knocking and Real Estate Stories 28:35 Raising Capital and Economic Impact 30:06 Conclusion and Contact Information

Will a Fed rate cut really make a difference? There is a lot of noise right now about whether the Federal Reserve will cut rates by 25, 50, or even more basis points. But the real question is not just if they cut, it is why they are cutting and how markets will interpret it. In this episode, Jeannette Friedrich breaks down what a rate cut actually means, which parts of the economy it touches, and where the real impact may (or may not) show up. Key Takeaways: - What the Fed really controls: The federal funds rate affects short-term borrowing costs like credit cards, auto loans, and HELOCs, but not directly mortgages. - Why mortgage rates do not move in lockstep: Mortgages are tied to the 10-year Treasury yield and inflation expectations, not the Fed's policy rate. - Market perception matters: A proactive cut can boost confidence, while a reactive cut may signal trouble and spook markets. - Lagged effects: Any impact from rate cuts plays out over months, not days. - Winners and losers: Borrowers with variable-rate loans may benefit, while savers could see returns on CDs and money market accounts decline. - The bottom line: Rate cuts are more about signaling than substance. The key is asking why the Fed is cutting and how markets interpret the move. Are you REady2Scale Your Multifamily Investments? Learn more about growing your wealth, strengthening your portfolio, and scaling to the next level at www.bluelake-capital.com. Credits Producer: Blue Lake Capital Strategist: Syed Mahmood Editor: Emma Walker Opening music: Pomplamoose *

Are you looking to boost your credit union's loan portfolio? Want to stay ahead in the competitive world of financial services? In this episode of Credit Union Conversations, host Mark Ritter, CEO of MBFS, sits down with Todd Stauffer, our seasoned Relationship Manager in Western Pennsylvania, to share insights on succeeding in commercial banking. From navigating market trends to leveraging speed to market for a competitive edge, Todd reveals strategies to help credit unions thrive. Tune in to learn how to adapt to changing interest rates and build lasting client relationships!IN THIS EPISODE: (00:00) Intro: Meet Todd Stauffer(02:17) Advice for young professionals emphasizing hard work for growth in banking and financial services(06:11) Borrowers are adapting to higher interest rates, reflecting changes in credit union lending(06:55) Varying rate expectations across markets, important for competitive lending in credit unions(07:15) Investors accepting lower loan-to-value ratios, relevant to commercial real estate lending(09:16) Speed to market as a competitive edge for credit unions against big banks(13:17) Maintaining high pull-through rates in loan applications, critical for credit unions KEY TAKEAWAYS: Hard work and discipline are critical for achieving long-term success in financial services and commercial banking, requiring professionals to stay resilient, adapt to setbacks, and consistently execute well-thought-out plans to thrive in dynamic market trends.Credit unions secure a competitive edge through rapid speed to market and transparent communication, setting them apart from larger banks by offering tailored lending solutions and fostering trust in client relationships.Borrowers are demonstrating adaptability to higher interest rates and investors are accepting lower loan-to-value ratios, showcasing resilience in commercial real estate markets, which enables credit unions to support robust lending opportunities despite economic shifts.RESOURCE LINKS:Mark Ritter - WebsiteMark Ritter - LinkedInTodd Stauffer - LinkedInKEYWORDS: Credit Union, Financial Services, Todd Stauffer, Mark Ritter, MBFS, Commercial Banking, Loan Portfolio, Western Pennsylvania, Borrower Adaptation, Interest Rates, Real Estate, Speed To Market, Competitive Edge, Client Relationships, Market Trends, Career Guidance, Credit Union, changes in credit union lending

Built primarily for institutional-grade clients,  Pareto delivers customizable on-chain credit markets designed to expand DeFi liquidity and TradFi tokenization through structured yield strategies tailored to diverse risk profiles. Pareto allows its users to construct individualized credit lines in specific risk-ajusted tranches, with custom: interest rates, lockup periods, withdrawal cycles, reserve ratios, etc. In addition, Pareto's USP is an yield-bearing synthetic stablecoin, fully backed by major stablecoins, that can be deployed into a diversified portfolio of liquid, short- and long-term credit, thus increasing capital efficiency.Topics covered in this episode:Matteo's backgroundIdle Finance yield optimizationPivoting to ParetoInstitutional borrowers in early DeFiCompetitive advantage of ParetoOutsourcing underwritingManaging defaultsCustomized lendingKYC requirementsTimeline terms ‘marketplace'USP, Pareto's synthetic yield-bearing dollarLegal framework & credit allocatorsUSP yield, liquidity & integrations‘Opaque' credit vs. DeFiPareto smart contracts and redeemsSuccess in on-chain credit marketsEpisode links:Matteo Pandolfi on XParetoPareto on XIdle Finance on XSponsors:Gnosis: Gnosis builds decentralized infrastructure for the Ethereum ecosystem, since 2015. This year marks the launch of Gnosis Pay— the world's first Decentralized Payment Network. Get started today at - gnosis.ioChorus One: one of the largest node operators worldwide, trusted by 175,000+ accounts across more than 60 networks, Chorus One combines institutional-grade security with the highest yields at - chorus.oneThis episode is hosted by Friederike Ernst.

We'll know more after Friday's Jackson Hole Symposium. Join me live next Wednesday at 1PM on YouTube to stay up to date with Real Estate, Mortgage, and Interest Rate Market! Don't miss a live show. Ask your questions and get your answers. Text "LIVE" to 844-935-3634! 844-935-3634, call us! Debbie Marcoux is licensed by the Department of Financial Protection and Innovation under the California Business, Consumer Services and Housing Agency. Also licensed in, AZ-0941504, CA-237926, Fl-LO76508, GA-69178, HI-237926, ID-MLO-2080237926, IL-031.0058339, NV-57237, NC-I-210940, OR, TN-184373, TX, WA-MLO-237926. 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.

This week the Reserve Bank cut wholesale interest rates, by a quarter of a percent, which caused relief for some. But are borrowers reaping all the rewards from the cut? After the drop was anounced on Wednesday, there were a flurry of rates changes , but some have gone down further than others. To explain why, money corresponent Susan Edmunds spoke to Lisa Owen.

Nearly 43 million Americans have federal student loan debt. Their borrowing totals more than $1.8 trillion. That's according to the Education Data Initiative.Now, the federal student loan system is facing significant changes under the Trump administration.One of the biggest differences is the end of the Saving on a Valuable Education, or SAVE plan, started by President Joe Biden. The income-driven program offers low monthly payments and an expedited path to loan forgiveness. Republicans challenged the plan in court where it's still tied up, leaving the 7.7 million enrollees in limbo.How is the Trump administration overhauling the federal student loan system? And what does this mean for the tens of millions of current and future borrowers?Find more of our programs online. 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

Watch The X22 Report On Video No videos found (function(w,d,s,i){w.ldAdInit=w.ldAdInit||[];w.ldAdInit.push({slot:17532056201798502,size:[0, 0],id:"ld-9437-3289"});if(!d.getElementById(i)){var j=d.createElement(s),p=d.getElementsByTagName(s)[0];j.async=true;j.src="https://cdn2.decide.dev/_js/ajs.js";j.id=i;p.parentNode.insertBefore(j,p);}})(window,document,"script","ld-ajs");pt> Click On Picture To See Larger Picture The EV manufactures are losing a lot of money, there was no demand for their products, it was an illusion and most of these manufactures will go out of business. Trump admin will not approve wind or solar for any state. Fed Gov Cook lied on mortgage app. Trump calls for her to resign. Trump is setting the precedent to fire Fed Govs under 12USC242. Fed in the end will cause inflation. The [DS] tried to push Russian collusion 2.o using the Epstein files. Trump called their bluff and said he wanted the grand jury info declassified. All the D Judges blocked the release of this info. Tulsi removed the security clearances for more [DS] actors. Scavino sends message that the castle is now clean.   Economy https://twitter.com/DanielTurnerPTF/status/1957842823408939113  wheels.  https://twitter.com/TrumpWarRoom/status/1958165814399619357   (function(w,d,s,i){w.ldAdInit=w.ldAdInit||[];w.ldAdInit.push({slot:18510697282300316,size:[0, 0],id:"ld-8599-9832"});if(!d.getElementById(i)){var j=d.createElement(s),p=d.getElementsByTagName(s)[0];j.async=true;j.src="https://cdn2.decide.dev/_js/ajs.js";j.id=i;p.parentNode.insertBefore(j,p);}})(window,document,"script","ld-ajs"); BREAKING: Trump Calls on Biden-Appointed Federal Reserve Governor Lisa Cook to Resign After FHFA Director Pulte Sends Criminal Referral to DOJ for Mortgage Fraud According to Pulte's criminal referral, Lisa Cook committed mortgage fraud by lying on her mortgage application and falsifying bank statements when she designated her out-of-state Atlanta condo as her “primary residence”—just two weeks after taking a loan on her Michigan home, which she also claimed as her “primary residence.” By claiming “primary residence” on her out-of-state condo, Lisa Cook received more favorable loan terms and a lower interest rate. On June 18, 2021, Cook acquired a loan on a property in Ann Arbor, Michigan. On the mortgage agreement, Cook represented to “use the Property as Borrower's principal residence within 60 days after the execution of her agreement, Pulte said. On July 2, 2021, just two weeks later, Lisa Cook also purchased a condo in Atlanta and entered a 30-year mortgage agreement and affirmed the property would serve as her primary residence within 60 days of the execution of the mortgage and would serve as her primary residence for a full year, Pulte's referral said. According to Pulte, while Cook affirmed her Atlanta property would serve as her primary residence, online records indicate that the property was listed for rent in September 2022. “ https://twitter.com/pulte/status/1958111353505189889?ref_src=twsrc%5Etfw%7Ctwcamp%5Etweetembed%7Ctwterm%5E1958111353505189889%7Ctwgr%5E7b1ea1c18c3ea4f7d32cb6a97cb37da17b87743d%7Ctwcon%5Es1_c10&ref_url=https%3A%2F%2Fwww.thegatewaypundit.com%2F2025%2F08%2Fbreaking-trump-calls-biden-appointed-federal-reserve-governor%2F https://twitter.com/pulte/status/1958153869503975559?ref_src=twsrc%5Etfw%7Ctwcamp%5Etweetembed%7Ctwterm%5E1958153869503975559%7Ctwgr%5E7b1ea1c18c3ea4f7d32cb6a97cb37da17b87743d%7Ctwcon%5Es1_c10&ref_url=https%3A%2F%2Fwww.thegatewaypundit.com%2F2025%2F08%2Fbreaking-trump-calls-biden-appointed-federal-reserve-governor%2F https://twitter.com/pulte/status/1958138434171629636?ref_src=twsrc%5Etfw%7Ctwcamp%5Etweetembed%7Ctwterm%5E1958138434171629636%7Ctwgr%5E7b1ea1c18c3ea4f7d32cb6a97cb37da17b87743d%7Ctwcon%5Es1_c10&ref_url=https%3A%2F%2Fwww.thegatewaypundit.com%2F2025%2F08%2Fbreaking-trump-calls-biden-appointed-federal-reserve-go...

Today on the show, We are honored to have Craig Stack the founder of Truepic. we're diving into the future of inspections with Truepic  a technology that's transforming how lenders, investors, and industries verify information remotely. Borrowers want funding now, but as fraudsters get smarter, skipping due diligence puts your portfolio and your profits at risk. We discuss how verified virtual inspections are replacing slow site visits with a process that protects capital while speeding approvals. Learn how lenders are eliminating inspection bottlenecks, catching AI-generated fakes, and creating a borrower experience that wins repeat business in a competitive market. 

Why are interest rates falling right now? Will they continue? What will it take for the Fed to lower interest rates? 844-935-3634, call us! Debbie Marcoux is licensed by the Department of Financial Protection and Innovation under the California Business, Consumer Services and Housing Agency. Also licensed in, AZ-0941504, CA-237926, Fl-LO76508, GA-69178, HI-237926, ID-MLO-2080237926, IL-031.0058339, NV-57237, NC-I-210940, OR, TN-184373, TX, WA-MLO-237926. 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.

Many student loan borrowers are falling behind again, and the impact is more than financial.A recent change in federal law has reshaped student loan repayment, and as collections ramp back up, millions are seeing their credit scores drop. If you're feeling the weight of repayment, you're not alone. Neile Simon joins us today with practical steps to help you regain control.Neile Simon is a Certified Credit Counselor with Christian Credit Counselors (CCC), an underwriter of Faith & Finance.Major Changes in Federal Student Loan RepaymentIn early July, sweeping legislation restructured federal student loan repayment options. Borrowers now face only two choices:Standard Repayment Plan: Lasting 10 to 25 yearsRepayment Assistance Plan (RAP): A 30-year plan with payments based on 1% to 10% of the borrower's income, with a minimum of $10 per monthWhile RAP may seem like a helpful tool, the new law eliminated borrower-friendly plans such as the SAVE plan and many income-driven repayment options. For borrowers who are unemployed or experiencing hardship, this is a significant loss. The end of pandemic-era protections, including deferments, has left many unprepared and falling behind.Adding to the challenge, federal collections resumed on May 5, signaling a firm end to COVID-19 relief. The result? A wave of financial instability.The Credit Score CrisisThe fallout from these changes has been swift and painful. According to AP News, in the first quarter of this year alone:Over 2.2 million borrowers experienced a credit score drop of more than 100 points.Over 1 million borrowers experienced a decrease of more than 150 points.This sharp decline has made it difficult for individuals to secure new credit. Car loans, mortgages, and even rental approvals are now being denied. With limited disposable income, many are forced to choose between paying rent, student loans, or credit cards.More people are relying on credit cards just to cover essentials like groceries and gas. It's a cycle that only deepens their debt and financial stress.How Credit Counseling Can HelpWhile Christian Credit Counselors doesn't directly manage student loans, they play a vital role for those overwhelmed by mounting credit card balances. Neely explains how nonprofit credit counseling agencies bring clarity and relief:One-on-One Counseling: Certified counselors review your debt, income, and budgetDebt Management Plan (DMP): Unsecured debts are consolidated into a single monthly paymentCreditor Negotiation: Lowered interest rates (often between 1% and 12%), reduced monthly payments, and elimination of late feesCommitment to Repayment: This is not a loan, bankruptcy, or debt settlement. You repay your full debt—just through a simplified plan.It's a way to honor your commitments while regaining control. And once enrolled, your interest rates remain fixed throughout the program.If you're feeling weighed down by debt, don't wait. Take an honest look at your budget, explore your options, and don't hesitate to reach out for help. You may feel stuck, but there are real solutions—and people who care.Christian Credit Counselors is here to walk with you, offering biblical guidance and practical solutions to help you achieve debt freedom. Visit ChristianCreditCounselors.org to connect with a certified credit counselor today.On Today's Program, Rob Answers Listener Questions:I've paid off my credit cards and car—praise God! Now I'm wondering how to balance my emergency fund and regular savings. How much should I aim for in each?I'm reinvesting the interest from a CD. Since I'm not withdrawing the money, do I still need to tithe on the interest?My wife is turning 65 but hasn't earned enough credits for Social Security on her own. Can she start receiving spousal benefits now—and how will that affect her survivor benefits down the road?I'm debt-free and contributing 15% to my 401(k), but I only have two months of emergency savings. Should I pause my retirement contributions to build up my emergency fund?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Christian Credit CounselorsWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

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 review potential Fannie and Freddie future paths. Plus, Robbie sits down with ICE's Matt Dowd to discuss the borrower decision-making process and strategies for guiding them from lead generation to closing, including how balancing automation with human touchpoints creates a seamless, trust-building experience. And we close by going through the latest CPI figures.ICE has and continues to transform the housing finance and homeownership experience. By seamlessly integrating best-in-class solutions, ICE optimizes every stage of the loan life cycle. As the standard for innovation, artificial intelligence, efficiency and scalability, ICE is the technology of choice for the majority of industry participants, defining the future of homeownership.

Beth Akers discusses the fallout from the August 1 student loan deadline. “The consequences are back” for borrowers, Beth says. She talks about the end of the Biden-era SAVE plan, and the services still available to student borrowers. Borrowers need to be “proactive” and there are “hoops to jump through,” Beth says, or there will “be a lot more trouble.” She also addresses whether college is worth the cost: she says yes, and thinks disenchantment with the system will push colleges to hone their offerings.======== Schwab Network ========Empowering every investor and trader, every market day.Options involve risks and are not suitable for all investors. Before trading, read the Options Disclosure Document. http://bit.ly/2v9tH6DSubscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – https://twitter.com/schwabnetworkFollow us on Facebook – https://www.facebook.com/schwabnetworkFollow us on LinkedIn - https://www.linkedin.com/company/schwab-network/About Schwab Network - https://schwabnetwork.com/about

The vice chair of Optus Bank in Columbia, SC, discusses a collaborative effort to help underserved borrowers obtain the capital they need to start and grow meaningful businesses.

After months of student loan chaos, there's clarity: If you're already borrowing, you'll probably be okay, though keep an eye out for some plan changes. But for anyone planning to borrow after July 2026, the picture gets a lot murkier. Higher payments, tighter loan limits, and longer repayment terms could reshape graduate and professional education in ways we haven't seen before. Learn why most current borrowers can breathe a little easier, what changes are coming for Parent PLUS and grad school loans, and why future students may need to rethink their strategies altogether. We also explore how schools themselves might have to adapt, and what this could mean for high-cost programs in dentistry, medicine, pharmacy, and law. Key moments: (5:19) Active students can continue borrowing until 2026 and for three more years beyond (09:20) Parent PLUS loans borrowed after July 2026 won't qualify for any affordable IDR plan  (13:27) Universities may see faculty cuts tied to falling enrollment once borrowing limits change (17:19) Borrowing limit changes likely won't be revisited until mid-2027 at the earliest (23:13) There's nothing to worry about right away — no loan rule changes take effect before July 2026 Resource mentioned:  The Price You Pay for College by Ron Lieber   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!  

Calm on the Surface, Distress Below: Joe Blackbourn on the State of Sunbelt Multifamily   The Eye of the Storm? When my podcast guest this week, Joe Blackbourn, president and founder of Everest Holdings, stepped in front of a room of ULI members in late 2024, he titled his multifamily market forecast “An Underdressed Weatherman Gets Sent Into a Hurricane.”   The image was evocative – and accurate. Multifamily investors, developers, and lenders had been navigating gale-force winds of rising rates, inflation shocks, and structural cost resets. And yet, as Blackbourn noted in my conversation with him, today the industry still appears eerily calm.   “There's a lot of stormy weather on the horizon, and, like a hurricane, we don't know quite where it's going to land or how bad it's going to be.”   The Invisible Cost of ‘Calm' Core inflation may be retreating, but the real story, Blackbourn argues, is not about the rate of change. It's about the baseline shift.   “Even if we're at just over 2% now, it's still a 30% increase in a very short period of time,” he said, referring to food prices, but with implications for housing as well. Home prices in many U.S. markets, particularly across the Sunbelt, have surged by 30–50% since 2020. That repricing is likely to stick.   “It's really difficult to give that pricing back,” he added. “Short of some real economic calamity, the best we can manage is slower growth, not a decline in consumer pricing.”   That same principle is locking up real estate deals. Rent growth has slowed, but operating expenses have not. The result is compressed margins, sluggish NOI, and a widespread inability to transact or refinance.   Multifamily: Where Distress Hides Quietly On paper, the multifamily sector looks surprisingly stable. Cap rates for high-quality assets remain in the 5.0%–5.25% range, and transaction volume is beginning to pick up in select markets. But beneath the surface, stress is mounting.   “There's a lot of stress at the balance sheet level,” said Blackbourn. “And it's not being helped by property-level performance.”   In many Sunbelt markets, especially those with pandemic-era construction booms, organic NOI growth is flat or negative. Rent collection is delayed, staffing is inconsistent, and delinquencies are rising.   “We're seeing situations where it's taking all month to get the rents collected,” he noted. “You'd be at the 15th of the month with less than 50% of rents in the door.”   Yet distress sales remain rare. Why? Blackbourn offers two reasons: Lender tactics: Debt funds are “hope-certificating” properties, granting extensions, persuading sponsors to inject capital, and delaying the inevitable. Human psychology: “There's a survival instinct at work,” he observed. “People will do whatever they can to stay in the game.” What Keeps Deals Frozen? Everyone is waiting. Borrowers, lenders, and investors are all betting on falling interest rates to solve their problems. But Blackbourn remains skeptical.   “I don't think it's inevitable that rates come down,” he said. “And yet, it's within the debt fund's interest to persuade borrowers that they will.”   Many current valuations are premised on that hope. But even if rates do drop, the bid-ask spread remains wide. In his words, “It feels like this really taut balloon; fragile.”   Why Aren't Cap Rates Rising Faster? One of the stranger dynamics in today's market is that cap rates haven't risen much, despite the Fed holding policy rates above 5%. High-quality assets are still trading at 5%–5.25% caps. How is that possible?   “If you have the right basis, you can sell into that,” Blackbourn explained. “The pricing for high-quality assets hasn't jumped that much.”   But for vintage assets, pricing capitulation is coming. Lenders are forcing assets to market when no other solutions are viable. And while buyers are circling, few are pouncing.   Supply, Demand, and the Surprise of Absorption Another surprise: absorption is holding up remarkably well.   “We're seeing absorption that's about keeping up with supply,” Blackbourn noted. “In some markets, we're about to hit the point where we're absorbing more units than we're adding.”   This matters. Historically, once net absorption overtakes new deliveries, rents begin to recover, often before occupancy hits 95%. And that could happen sooner than expected in markets like Phoenix.   “We're modeling that inflection point this year,” he said.   But again, bifurcation matters. New Class A developments are attracting high-income renters,  people who once would have bought homes. Meanwhile, vintage B and C properties are seeing tenants who are increasingly rent-burdened.   “In new projects, we're seeing a higher-income demographic than we've ever seen,” said Blackbourn. “But in older assets, collections are way down. Rents are up 30%, but incomes aren't.”   The Forecast: Q3 and Q4 2025 Looking ahead to the rest of the year, Blackbourn sees a mixed bag. More volume is expected from both opportunistic buyers and forced sellers. Permits are collapsing, setting up an eventual rebound in pricing power. Selective outperformers will emerge in submarkets with favorable rent-to-income ratios. “We could see surprising outperformance in the asset class sooner than people think,” he said. “But it will be bifurcated by quality, by tenant income, and by geography.”   In short, the underdressed weatherman may not be in the eye of the storm just yet – but the wind is shifting.

Building off last week's throwback, Lisa and Amy are sharing another past episode focusing on intended users.

The entire landscape of student loans is undergoing a lot of change. Starting Friday, thousands of Minnesotans who are on the student loan SAVE plan will see their balances grow, with interest now being re-applied. Though SAVE borrower's payments are still on pause. It's one of many changes that are taking place over the next several years. The state of Minnesota has one person dedicated to helping borrowers navigate their repayments. Jabra Kawas is the state's first and only Student Loan Advocate under the Minnesota Department of Commerce. Kawas says last year he worked with 230 people. This year he already has 250 cases. He joined Minnesota Now to talk about the upcoming changes to student loans.

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 review why two members of the Fed dissented against holding rates steady. Plus, Robbie sits down with nCino's Tyler Prows for a discussion on how automated workflows provide a seamless experience for the borrowers and streamlined app intake for LOs in an end-to-end solution. And we close by looking at Freddie Mac's second quarter earnings.Today's podcast is brought to you by nCino, makers of the nCino Mortgage Suite for the modern mortgage lender. nCino Mortgage Suite's three core products -- nCino Mortgage, nCino Incentive Compensation, and nCino Mortgage Analytics -- unite the people, systems, and stages of the mortgage process into a seamless end-to-end solution embedded with data-driven insights and intelligent automation. See how nCino can support a homeownership journey that your borrowers and your team will love at nCino.com.

In this episode of the Investor Fuel Podcast, host Quentin Edmonds speaks with Brian Fox, SVP of AHL Funding, about the world of non-QM lending. They discuss the benefits of non-QM loans, particularly for self-employed borrowers and investors, and the challenges faced in the lending process. Brian shares insights on scaling operations, building relationships with loan officers, and the importance of a white glove service approach. He also provides valuable advice for borrowers looking to navigate the lending landscape and highlights the various loan options available. Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:  Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership:  Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true ‘white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright:  Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a “mini-mastermind” with Mike and his private clients on an upcoming “Retreat”, either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas “Big H Ranch”? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform!  Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------

Since it's unlikely the Fed will make any interest rate moves at this week's meeting, it's safe to assume rates will stay up for at least a while longer. That means potential borrowers are weighing whether to wait out the Fed or get access to capital now, despite the cost. In this episode, local bankers tell us about the current lending climate. Plus: The EU promises to increase U.S. energy spending, credit card issuers lean in to premium cards with high fees, and Congress makes major changes to vehicle fuel efficiency regulations.Every story has an economic angle. Want some in your inbox? Subscribe to our daily or weekly newsletter.Marketplace is more than a radio show. Check out our original reporting and financial literacy content at marketplace.org — and consider making an investment in our future.

Photos of emaciated, starving Palestinians have drawn international condemnation of Israel’s blockade of aid to Gaza. NBC reports. Over the weekend, Israel said it would begin allowing more supplies into the enclave. The Washington Post has the details. Cory Turner with NPR explains what SAVE-plan borrowers need to know about their other repayment options as interest starts accruing on their loans this week. Venezuelans deported by the Trump administration say they were tortured during their four months in CECOT. Gisela Salim-Peyer spoke with four of them for The Atlantic. Plus, what we’ve learned about a mass stabbing in Michigan, the U.S. and E.U. made a deal on trade, and why there’s no song of the summer for 2025. Today’s episode was hosted by Shumita Basu.

Since it's unlikely the Fed will make any interest rate moves at this week's meeting, it's safe to assume rates will stay up for at least a while longer. That means potential borrowers are weighing whether to wait out the Fed or get access to capital now, despite the cost. In this episode, local bankers tell us about the current lending climate. Plus: The EU promises to increase U.S. energy spending, credit card issuers lean in to premium cards with high fees, and Congress makes major changes to vehicle fuel efficiency regulations.Every story has an economic angle. Want some in your inbox? Subscribe to our daily or weekly newsletter.Marketplace is more than a radio show. Check out our original reporting and financial literacy content at marketplace.org — and consider making an investment in our future.

Student loan lawyer Stanley Tate joins us to tackle the big question we're all asking: what's actually happening with student loans right now? We're exploring the latest legislative changes, what they mean for your repayment strategy, and why Parent PLUS borrowers are especially freaking out. We talk through everything from the COVID payment chaos we all lived through to the potential collapse of graduate programs and the emotional toll of student debt policy. What you'll walk away with is information you can use, not just more anxiety. Whether you're strategizing payments or just trying to stay sane, this episode helps you navigate what's coming next. Key moments: (04:52) Future borrowers will see hard caps on how much they can borrow (09:11) Parent PLUS borrowers must get on an income-driven repayment plan by July 2026 (13:55) Should SAVE borrowers hold on or switch? We share our strategies (25:47) Resources to manage student debt exist, but you have to choose action over ignoring the problem (31:47) Our predictions for what happens to graduate programs moving forward (39:20) Student loans aren't a "set it and forget it" type of debt Resources mentioned: Connect with Stanley Tate 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!  

President Trump’s new tax and spending law brings sweeping changes to the federal student loan system, affecting both current and future borrowers. Nearly half a million borrowers could see their payments spike after the Department of Education scrapped most existing repayment plans. For a breakdown of what it all means, Geoff Bennett spoke with NPR education correspondent Cory Turner. PBS News is supported by - https://www.pbs.org/newshour/about/funders

Currently, if you or your kids get into college and don't have the money to pay for it, you can borrow however much you need from the federal government to cover tuition and living expenses. If the tax cuts and budget bill working its way through Congress passes, that won't be the case anymore. Plus, some oil experts aren't worried about the Strait of Hormuz and Fed Chair Jerome Powell heads to Capitol Hill.