Podcasts about mortgage

Americans are sitting on more home equity than ever -- and more of them are tapping it. Not because they're struggling, but because they locked in ultra-low mortgage rates and they're not giving those up. So instead of refinancing, they're turning to HELOCs and home equity loans. Joe and OG walk through the math, the psychology, the questions most people never think to ask, and the specific situations where borrowing against your home equity actually makes sense -- and the ones where it quietly destroys a plan that was working.What You'll Walk Away WithWhy home equity borrowing is surging right now -- and why keeping a 3% mortgage while opening a HELOC at 7.5% might still be the smarter moveThe Oreo problem: why having a HELOC open "just in case" is the financial equivalent of leaving a sleeve of Oreos on the counter and expecting not to eat themOG's CEO versus CFO framework: how to separate the decision of whether to do the project from the decision of how to finance itThe rate math you should actually run before choosing between a HELOC, a home equity loan, and a full refinance -- including current Bankrate benchmarksHome improvements, credit card consolidation, college costs, business startup, and investing: OG's honest take on each use case, including the ones that are just bad ideasThe questions nobody asks before getting a HELOC -- including when the rate adjusts (spoiler: faster in one direction), what happens to the draw period, and whether the bank can pull the line at any timeWhy using home equity as a third-tier emergency fund sounds clever but has a fatal flawWhat happens if home prices fall and you've borrowed heavily against the equity -- and why Texas has the 80% ruleOG and Anna wrap up season two of the financial basics series -- including why financial planning is an ongoing activity, not a document, and what's coming in season threeThe one open question OG wants Stackers to send him before season three beginsWhy This Matters NowHome prices are up. Mortgage rates are still elevated. The people most tempted to tap their equity are often the ones who built it most carefully -- and that's exactly when the guardrails matter most.From the BasementJoe and OG dig into the HELOC decision with specifics: math, psychology, use cases, and the questions banks don't volunteer. OG and Anna close out season two of the financial basics series with a reflection on why everything in a financial plan connects to everything else -- and a preview of what's coming in season three. Doug arrives with Bernie Madoff trivia. The guides get a Scout upgrade and the college planning guide gets a refresh just in time for back to school.Resources MentionedStacking Benjamins Guides -- workplace benefits, tax planning, and college planning with Scout AI; stackingbenjamins.com/guidesStacking Benjamins Field Kit -- stackingbenjamins.com/fieldkitStacking Benjamins Basics Guide -- season one and season two; stackingbenjamins.com/basicsguideStacking Benjamins voicemail -- stackingbenjamins.com/yelldownstairs; leave a question for the next Q&A episode with AnnaOG financial planning calendar -- stackingbenjamins.com/ogStacking Benjamins Newsletter (The 201) -- stackingbenjamins.com/201Stacking Benjamins Community -- stackingbenjamins.com/basementSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Cheryl Taylor Anderson. Podcast: Money Making Conversations MasterclassHost: Rushion McDonaldGuest: Cheryl Taylor Anderson, Real Estate Broker (Metro Atlanta) 1. Purpose of the Interview The core purpose of this interview is to educate, empower, and motivate listeners—particularly first‑time homebuyers, renters, veterans, and people of color—to pursue homeownership as a wealth‑building strategy. Specifically, the conversation aims to: Demystify the homebuying process Combat fear and misinformation around mortgages Highlight low‑ and zero‑down payment opportunities Explain how homeowners can build equity faster Emphasize real estate as a key tool for generational wealth Encourage disciplined financial decisions rooted in ownership rather than renting Rushion positions the discussion as a knowledge‑sharing opportunity to help listeners move from renting to owning, especially in communities historically excluded from homeownership. 2. Interview Overview Cheryl Taylor Anderson brings more than 20 years of real estate experience and over $400 million in sales in Metro Atlanta. She works with: First‑time homebuyers VA and military families Move‑up buyers Luxury clients and institutional sellers Throughout the interview, Cheryl provides practical, real‑world examples—including her own story as a former single mother and homeowner—to ease fear, explain financing, and correct misconceptions about buying a home. 3. Key Takeaways A. Many Renters Can Already Afford to Own One of the central points is that many renters are paying as much—or more—than mortgage payments without building equity. Rent payments offer no tax benefits Mortgage payments build ownership and wealth Homeowners can deduct mortgage interest (unlike rent) Key idea: Many people qualify for ownership but are held back by misinformation and fear. B. First‑Time Homebuyers Have More Options Than They Realize Cheryl explains that many buyers are unaware of: Zero‑down payment programs Builder incentives covering closing costs Opportunities to move into homes with minimal out‑of‑pocket costs In some cases, buyers are only required to bring earnest money, making homeownership far more accessible than expected. C. VA and Veteran Benefits Are Underused Cheryl strongly emphasizes VA loans as one of the most powerful tools for homeownership: 100% financing (zero down payment) Ability to ask sellers for up to 6% in closing cost contributions Certain veterans may be exempt from property taxes Lower monthly payments overall Veterans are encouraged to use their benefits, even years after leaving military service. D. A 30‑Year Mortgage Does Not Mean 30 Years of Debt Cheryl reframes mortgage timelines by teaching strategic repayment: Paying bi‑weekly instead of monthly Adding small extra payments ($50–$100/month) Reducing both interest and principal faster She uses her personal example of being close to paying off her home early despite starting with a traditional 30‑year loan. E. Homeownership Builds Stability and Community The interview contrasts renting versus owning: Ownership benefits include: Equity growth Customization and upgrades Neighborhood relationships Security and long‑term stability A tangible asset to pass to children Even HOA‑managed communities—while sometimes frustrating—protect property values and neighborhood standards. F. Home Warranties Reduce Fear of Maintenance To address anxiety about repairs, Cheryl recommends home warranties: Cover major systems (HVAC, water heaters, appliances) Low service fees when repairs are needed Can be negotiated into purchase contracts Provide peace of mind similar to apartment maintenance This is especially helpful for first‑time buyers. G. Social Media Builds Trust and Visibility Cheryl explains how social media strengthens her business: Buyers see real closings, celebrations, and testimonials Creates emotional connection and trust Inspires others to picture themselves as homeowners Visibility drives confidence and referrals. H. Education and Adaptability Drive Longevity Cheryl credits her success through: The 2008 housing crisis COVID‑19 Market shifts to constant learning, flexibility, and strategy pivots (e.g., foreclosures, BPOs, builder incentives). 4. Notable Quotes On Renting vs. Owning “Never be willing to pay somebody more than you’re willing to pay yourself.” On First‑Time Buyer Fear “Don’t let the longevity scare you. In an apartment, you’re building nothing.” On VA Benefits “Veterans can come to the table with zero down—and sometimes no property taxes.” On Mortgage Strategy “Pay every two weeks and it knocks down your interest and principal faster.” On Equity “Rent doesn’t give you anything to leave your children. Homeownership does.” On Homeownership Mindset “People are willing to pay their landlord more than they’ll pay themselves.” 5. Overall Takeaway This interview reinforces homeownership as one of the most powerful, attainable tools for building long‑term wealth—when buyers are properly educated, supported, and encouraged to move past fear and misinformation. Cheryl Taylor Anderson demonstrates that: Buying a home is often more accessible than people believe Strategic mortgage management can drastically shorten debt timelines Ownership builds equity, stability, and generational opportunity #SHMS #BEST #STRAW #AMISee omnystudio.com/listener for privacy information.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Cheryl Taylor Anderson. Podcast: Money Making Conversations MasterclassHost: Rushion McDonaldGuest: Cheryl Taylor Anderson, Real Estate Broker (Metro Atlanta) 1. Purpose of the Interview The core purpose of this interview is to educate, empower, and motivate listeners—particularly first‑time homebuyers, renters, veterans, and people of color—to pursue homeownership as a wealth‑building strategy. Specifically, the conversation aims to: Demystify the homebuying process Combat fear and misinformation around mortgages Highlight low‑ and zero‑down payment opportunities Explain how homeowners can build equity faster Emphasize real estate as a key tool for generational wealth Encourage disciplined financial decisions rooted in ownership rather than renting Rushion positions the discussion as a knowledge‑sharing opportunity to help listeners move from renting to owning, especially in communities historically excluded from homeownership. 2. Interview Overview Cheryl Taylor Anderson brings more than 20 years of real estate experience and over $400 million in sales in Metro Atlanta. She works with: First‑time homebuyers VA and military families Move‑up buyers Luxury clients and institutional sellers Throughout the interview, Cheryl provides practical, real‑world examples—including her own story as a former single mother and homeowner—to ease fear, explain financing, and correct misconceptions about buying a home. 3. Key Takeaways A. Many Renters Can Already Afford to Own One of the central points is that many renters are paying as much—or more—than mortgage payments without building equity. Rent payments offer no tax benefits Mortgage payments build ownership and wealth Homeowners can deduct mortgage interest (unlike rent) Key idea: Many people qualify for ownership but are held back by misinformation and fear. B. First‑Time Homebuyers Have More Options Than They Realize Cheryl explains that many buyers are unaware of: Zero‑down payment programs Builder incentives covering closing costs Opportunities to move into homes with minimal out‑of‑pocket costs In some cases, buyers are only required to bring earnest money, making homeownership far more accessible than expected. C. VA and Veteran Benefits Are Underused Cheryl strongly emphasizes VA loans as one of the most powerful tools for homeownership: 100% financing (zero down payment) Ability to ask sellers for up to 6% in closing cost contributions Certain veterans may be exempt from property taxes Lower monthly payments overall Veterans are encouraged to use their benefits, even years after leaving military service. D. A 30‑Year Mortgage Does Not Mean 30 Years of Debt Cheryl reframes mortgage timelines by teaching strategic repayment: Paying bi‑weekly instead of monthly Adding small extra payments ($50–$100/month) Reducing both interest and principal faster She uses her personal example of being close to paying off her home early despite starting with a traditional 30‑year loan. E. Homeownership Builds Stability and Community The interview contrasts renting versus owning: Ownership benefits include: Equity growth Customization and upgrades Neighborhood relationships Security and long‑term stability A tangible asset to pass to children Even HOA‑managed communities—while sometimes frustrating—protect property values and neighborhood standards. F. Home Warranties Reduce Fear of Maintenance To address anxiety about repairs, Cheryl recommends home warranties: Cover major systems (HVAC, water heaters, appliances) Low service fees when repairs are needed Can be negotiated into purchase contracts Provide peace of mind similar to apartment maintenance This is especially helpful for first‑time buyers. G. Social Media Builds Trust and Visibility Cheryl explains how social media strengthens her business: Buyers see real closings, celebrations, and testimonials Creates emotional connection and trust Inspires others to picture themselves as homeowners Visibility drives confidence and referrals. H. Education and Adaptability Drive Longevity Cheryl credits her success through: The 2008 housing crisis COVID‑19 Market shifts to constant learning, flexibility, and strategy pivots (e.g., foreclosures, BPOs, builder incentives). 4. Notable Quotes On Renting vs. Owning “Never be willing to pay somebody more than you’re willing to pay yourself.” On First‑Time Buyer Fear “Don’t let the longevity scare you. In an apartment, you’re building nothing.” On VA Benefits “Veterans can come to the table with zero down—and sometimes no property taxes.” On Mortgage Strategy “Pay every two weeks and it knocks down your interest and principal faster.” On Equity “Rent doesn’t give you anything to leave your children. Homeownership does.” On Homeownership Mindset “People are willing to pay their landlord more than they’ll pay themselves.” 5. Overall Takeaway This interview reinforces homeownership as one of the most powerful, attainable tools for building long‑term wealth—when buyers are properly educated, supported, and encouraged to move past fear and misinformation. Cheryl Taylor Anderson demonstrates that: Buying a home is often more accessible than people believe Strategic mortgage management can drastically shorten debt timelines Ownership builds equity, stability, and generational opportunity #SHMS #BEST #STRAW #AMISupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Cheryl Taylor Anderson. Podcast: Money Making Conversations MasterclassHost: Rushion McDonaldGuest: Cheryl Taylor Anderson, Real Estate Broker (Metro Atlanta) 1. Purpose of the Interview The core purpose of this interview is to educate, empower, and motivate listeners—particularly first‑time homebuyers, renters, veterans, and people of color—to pursue homeownership as a wealth‑building strategy. Specifically, the conversation aims to: Demystify the homebuying process Combat fear and misinformation around mortgages Highlight low‑ and zero‑down payment opportunities Explain how homeowners can build equity faster Emphasize real estate as a key tool for generational wealth Encourage disciplined financial decisions rooted in ownership rather than renting Rushion positions the discussion as a knowledge‑sharing opportunity to help listeners move from renting to owning, especially in communities historically excluded from homeownership. 2. Interview Overview Cheryl Taylor Anderson brings more than 20 years of real estate experience and over $400 million in sales in Metro Atlanta. She works with: First‑time homebuyers VA and military families Move‑up buyers Luxury clients and institutional sellers Throughout the interview, Cheryl provides practical, real‑world examples—including her own story as a former single mother and homeowner—to ease fear, explain financing, and correct misconceptions about buying a home. 3. Key Takeaways A. Many Renters Can Already Afford to Own One of the central points is that many renters are paying as much—or more—than mortgage payments without building equity. Rent payments offer no tax benefits Mortgage payments build ownership and wealth Homeowners can deduct mortgage interest (unlike rent) Key idea: Many people qualify for ownership but are held back by misinformation and fear. B. First‑Time Homebuyers Have More Options Than They Realize Cheryl explains that many buyers are unaware of: Zero‑down payment programs Builder incentives covering closing costs Opportunities to move into homes with minimal out‑of‑pocket costs In some cases, buyers are only required to bring earnest money, making homeownership far more accessible than expected. C. VA and Veteran Benefits Are Underused Cheryl strongly emphasizes VA loans as one of the most powerful tools for homeownership: 100% financing (zero down payment) Ability to ask sellers for up to 6% in closing cost contributions Certain veterans may be exempt from property taxes Lower monthly payments overall Veterans are encouraged to use their benefits, even years after leaving military service. D. A 30‑Year Mortgage Does Not Mean 30 Years of Debt Cheryl reframes mortgage timelines by teaching strategic repayment: Paying bi‑weekly instead of monthly Adding small extra payments ($50–$100/month) Reducing both interest and principal faster She uses her personal example of being close to paying off her home early despite starting with a traditional 30‑year loan. E. Homeownership Builds Stability and Community The interview contrasts renting versus owning: Ownership benefits include: Equity growth Customization and upgrades Neighborhood relationships Security and long‑term stability A tangible asset to pass to children Even HOA‑managed communities—while sometimes frustrating—protect property values and neighborhood standards. F. Home Warranties Reduce Fear of Maintenance To address anxiety about repairs, Cheryl recommends home warranties: Cover major systems (HVAC, water heaters, appliances) Low service fees when repairs are needed Can be negotiated into purchase contracts Provide peace of mind similar to apartment maintenance This is especially helpful for first‑time buyers. G. Social Media Builds Trust and Visibility Cheryl explains how social media strengthens her business: Buyers see real closings, celebrations, and testimonials Creates emotional connection and trust Inspires others to picture themselves as homeowners Visibility drives confidence and referrals. H. Education and Adaptability Drive Longevity Cheryl credits her success through: The 2008 housing crisis COVID‑19 Market shifts to constant learning, flexibility, and strategy pivots (e.g., foreclosures, BPOs, builder incentives). 4. Notable Quotes On Renting vs. Owning “Never be willing to pay somebody more than you’re willing to pay yourself.” On First‑Time Buyer Fear “Don’t let the longevity scare you. In an apartment, you’re building nothing.” On VA Benefits “Veterans can come to the table with zero down—and sometimes no property taxes.” On Mortgage Strategy “Pay every two weeks and it knocks down your interest and principal faster.” On Equity “Rent doesn’t give you anything to leave your children. Homeownership does.” On Homeownership Mindset “People are willing to pay their landlord more than they’ll pay themselves.” 5. Overall Takeaway This interview reinforces homeownership as one of the most powerful, attainable tools for building long‑term wealth—when buyers are properly educated, supported, and encouraged to move past fear and misinformation. Cheryl Taylor Anderson demonstrates that: Buying a home is often more accessible than people believe Strategic mortgage management can drastically shorten debt timelines Ownership builds equity, stability, and generational opportunity #SHMS #BEST #STRAW #AMISee omnystudio.com/listener for privacy information.

Although markets may recalibrate to a different policy playbook under the new Fed chair Kevin Warsh, housing could remain in a holding pattern. Our co-heads of Securitized Products Research Jay Bacow and James Egan explain why.Read more insights from Morgan Stanley.----- Transcript -----Jay Bacow: Welcome to Thoughts on the Market. I'm Jay Bacow, co-head of Securitized Products Research at Morgan Stanley. James Egan: And I'm Jim Egan, the other co-head of Securitized Products Research at Morgan Stanley. Jay Bacow: Today, the glow has maybe worn off the championship of the Knicks, so we can talk about the impact of Warsh on the mortgage and housing market. It's Friday, June 26th at 10am in New York. James Egan: If we have to stop talking about the Knicks, we can stop talking about the Knicks. But Jay, I think one of the things, if we take a little bit of a step back in mortgage markets, in housing markets, in fixed income markets more broadly – from the beginning of the year to now, we've gone from the market pricing in 2.5 cuts from the Fed by the end of 2026, to the market pricing in roughly 1.5 hikes. 100 basis point difference in market expectations over the course of the past five and a half months. Now, that's happened at different times, with different levels of velocity and severity. But one of the key talking points we have now is – we have a new Fed chair. We had the first FOMC meeting and his press conference after that last Wednesday. What do you think that means for mortgage markets, for volatility? How are you thinking about this? Jay Bacow: look, Jim, it's a great question, and we've got asked that by a number of different investors. Chair Warsh has been pretty clear that he thinks people should do more of what they're good at and less of what they're not good at. And so, he's felt like the Fed should keep their communication on future guidance relatively short. And so, with less forward guidance from the Fed, the market has more uncertainty, and more uncertainty translates into more volatility. And more volatility is generally bad for the mortgage market, given that investors are short the option to the homeowner to refinance. Furthermore, shifting from expectations of the Fed cutting to expectations of the Fed hiking generally makes it a little bit less favorable environment for investors like banks and overseas investors to come to the mortgage market. James Egan: Alright. Now, we've been on this podcast several times this year where we've talked about, you mentioned banks... We've talked about deregulation. We've talked about Fannie Mae and Freddie Mac, the GSEs – them buying mortgages, that being constructive for our mortgage view.Is that still the case, or how are you layering that into your thought process? Jay Bacow: now? That's definitely still the case. Those things haven't changed. The deregulation is still flowing through the markets. That longer term should be supportive of bank demand in aggregate, although obviously there are a number of different regulations going through. The GSEs are still forecasted to buy 200 billion mortgages on behalf of President Trump's initiative. So, that's why we're just sort of tactically negative – those technicals are very strong in an environment where there really has not been much supply. Now, some of that supply is because mortgage rates are still in the context of 6.5 percent. Some of that is because with mortgage rates at 6.5 percent, there hasn't been that much housing activity. So, Jim, turning it to you, what is the outlook for the housing market in a world where they are expecting the Fed to hike and rates to stay elevated? James Egan: Right. So, the main thing that we focus on from a housing market perspective is less specifically Fed action and more the 5- and 10-year part of the curve.So, when you start to say something like you're tactically negative mortgage-backed securities here – how can I interpret that from a mortgage rate perspective? Jay Bacow: If we're tactically negative, it's more of a small move than some massive move. And as you said, and we've talked about on this call beforehand, realistically, the mortgage rate is a little bit less dependent on the Fed policy rate and more around the belly of the Treasury curve. And, you know, what's going to happen with the belly of the Treasury curve is going to be dependent on sort of market expectations along with what's happening in the geopolitical situation. So realistically, if you've written down that the mortgage rate is 6.5 percent right now, our view probably doesn't change things too much. James Egan: And if that's the case, then affordability in the housing market, as we've been talking about, is going to continue to be challenged. And what we think that means from a housing activity perspective is any upside that we really thought would have been there gets pretty significantly capped. But the same side of this token – or the other side of this token, if you will, we do think that the current level is well-supported here. There's some level of housing activity that has to occur regardless of where affordability is, and we think we found that. We're at 40-year lows from a turnover perspective. From the fourth quarter of 2023 through now, we've been roughly at the same level. That's 11 consecutive quarters now. We think this is the kind of base level for people that need to transact regardless of where mortgage rates are. So, the more that the rate environment remains challenged, the more that we kind of hang in this low to mid 6 percent mortgage rate environment. We just think that that continues to curtail upside. So, it's a housing market and a housing activity space that continues to very much just remain stuck in neutral. Jay Bacow: Alright. So, if we're in this new environment and the Fed might be hiking, it's not great locally for mortgage valuations. Housing market more broadly, probably kind of stuck in neutral here. Jim, always a pleasure speaking with you. James Egan: And always great speaking to you too, Jay. And to all of our regular listeners, thank you for adding us to your playlist. Let us know what you think wherever you get this podcast and share Thoughts on the Market with a friend or colleague today. Jay Bacow: And go smash that subscribe button.

Michael Youngblood joined the show to discuss investing in mortgages with the evolution of the U.S. mortgage market. He draws on more than four decades of experience in mortgage banking, securitization, and housing finance. We explored the key causes of the 2008 financial crisis, why falling home prices caught investors off guard. Michael explained the risks and opportunities of investing in mortgage-backed securities, the differences between MBSs, CMOs, and REMICs, and why prepayment risk remains a major consideration for investors. We also discussed housing affordability challenges, FHA loans, down payment hurdles facing first-time buyers, potential future changes to mortgage regulations, and the outlook for both residential and commercial real estate financing as demographic shifts, interest rates, and post-COVID trends continue to reshape the market. We discuss...  How declining home prices in 2007–2008 triggered a surge in mortgage defaults and helped spark the financial crisis. Why investors, lenders, and regulators failed to anticipate the severity of the housing market collapse. How banks manage mortgage risk by selling or securitizing loans while retaining their highest-quality borrowers. The key risks investors face when investing in mortgage-backed securities, including prepayment and credit risk. The differences between mortgage-backed securities (MBSs), collateralized mortgage obligations (CMOs), and REMICs. Why mortgage market innovation has slowed significantly since the 2008 financial crisis. Exploration of potential future changes to mortgage products and regulations aimed at improving housing affordability. How adjustable-rate mortgages could be expanded without returning to the risky lending practices that contributed to the housing crisis. The challenges self-employed borrowers face when trying to qualify for mortgage financing. How falling interest rates could trigger a new wave of mortgage refinancing activity. Housing affordability challenges driven by rising home prices and large down payment requirements. How commercial mortgage lending differs from residential lending in underwriting and risk management. The growing role of family wealth transfers and financial assistance in helping younger generations purchase homes. Michael shares his outlook on housing affordability and why mortgage financing remains attractive relative to many other forms of borrowing. Today's Panelists: Kirk Chisholm | Innovative Wealth Barbara Friedberg | Barbara Friedberg Personal Finance Phil Weiss | Apprise Wealth Management Follow on Facebook: https://www.facebook.com/moneytreepodcast Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast Follow on Twitter/X: https://x.com/MTIPodcast For more information, visit the full show notes at https://moneytreepodcast.com/investing-in-mortgages-michael-youngblood-828 

Ryan Pineda and cohost Brian Davila interview Tyler Hennessee about using first-position HELOCs to accelerate mortgage payoff, leverage home equity more efficiently, build long-term wealth, and protect family finances through smarter investing and estate planning.⁣⁣Connect with Tyler - ⁣https://hardmakesyoubetter.com⁣https://tylerhennessee.com⁣https://www.instagram.com/tylerhennessee/⁣__________⁣If you'd like my team to run your marketing & sales department to scale your business apply here https://www.pinedapartners.com⁣⁣Join our private mastermind for elite business leaders who golf. https://www.mastermind19.com⁣⁣Want to be featured on the Wealthy Way Podcast? Apply here https://www.wealthyway.com⁣⁣If you want to start your real estate investing business, we'll give you 1:1 coaching, seller leads, software, & everything you need. https://www.wealthyinvestor.com⁣⁣Tired of paying so much in taxes every year? We'll give you strategy, tax prep, and accounting all in one place. https://www.taylor-tax.com⁣⁣Join free Bible studies and workshops for Christian business leaders. https://www.tentmakers.us⁣__________⁣Chapters:⁣0:00 - First Position HELOC Explained⁣9:09 - Using HELOC Like Checking⁣18:21 - Who This Strategy Fits⁣27:16 - Rental Property Comparison⁣39:34 - Why Banks Don't Teach It⁣47:57 - Hard Makes You Better⁣48:41 - Protecting Family Wealth⁣54:35 - Wealth Building Beyond Real Estate⁣58:47 - How Family Offices Invest⁣1:04:04 - Investment Risk And Losses

Welcome back, real estate investors! Ready for a steady base hit to add to your portfolio? In today's episode of our 50 Note Deals in 50 Days series, host Scott Carson breaks down an incredible performing note deal located just 45 miles south of San Antonio in Charlotte, Texas. If you think you need millions of dollars to start buying notes, think again. This episode reveals how a small-balance investment can yield massive equity protection and double-digit returns. Key Topics CoveredThe Power of Asset Equity: This updated 1970 single-family home sits on nearly an acre of land and is valued at over $220,000, but has a tiny loan payoff balance of just $34,000—giving the borrower a massive 85% equity stake. Strong Performance History: Though it was once a non-performing loan, the owner-occupied borrower has been back on track and paying consistently on time for over 12 months. The Investment Breakdown: Learn how purchasing this note at an 80% discount (around $28,000 including fees) generates a strong 14%+ annual cash-on-cash return via passive monthly cash flow. First-Lien Security in Texas: Discover why the legal protections of a first-lien position in Texas make this a safe, high-upside play if the borrower ever defaults or opts for a cash-out refinance. Perfect for Self-Directed IRAs: Why small-balance notes under $50,000 are the ultimate hands-off, turnkey starter strategy for Roth IRAs, traditional IRAs, or Solo 401(k)s. Conclusion & Next StepsDon't let your investment capital sit idle this summer. Whether you want to purchase a performing asset or fully master the note buying industry, taking action is your next step. Ready to submit an offer or learn more? To learn the ins and outs of the business, grab your $99 seat for the upcoming two-day workshop on August 29th & 30th at NoteBuyingForDummies.com. Go out, take action, and we'll see you at the top!Watch the Original VIDEO HERE!Book a Call With Scott HERE!Sign up for the next FREE One-Day Note Class HERE!Sign up for the WCN Membership HERE!Sign up for the next Note Buying For Dummies Workshop HERE!Love the show? Subscribe, rate, review, and share!Here's How »Join the Note Closers Show community today:WeCloseNotes.comThe Note Closers Show FacebookThe Note Closers Show TwitterScott Carson LinkedInThe Note Closers Show YouTubeThe Note Closers Show VimeoThe Note Closers Show InstagramWe Close Notes Pinterest

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning television Executive Producer Rushion McDonald interviews Bruce Marks. CEO of NACA – America's Best Mortgage Program. The incredible NACA mortgage allows NACA Members to purchase their homes with the following: Below is a structured summary of the Bruce Marks interview with Rushion McDonald on Money Making Conversations Masterclass, based entirely on the interview transcript you provided. All points and quotes are drawn from that source. Interview Summary Bruce Marks, founder and CEO of NACA (Neighborhood Assistance Corporation of America), joins Rushion McDonald to discuss his four-decade mission to make affordable homeownership accessible to working families, particularly those historically excluded from the housing market. Marks explains how NACA fights predatory lending while simultaneously offering what he calls “the best mortgage in America”—characterized by no down payment, no closing costs, no fees, low fixed interest rates, and no reliance on credit scores. The conversation highlights NACA’s innovative programs, including converting Section 8 housing vouchers into mortgage payments, the $1 Homeownership Program for vacant properties, and large-scale, community-based homebuying events that process thousands of families in days rather than months. Marks frames homeownership as a tool for wealth-building, community stability, crime reduction, and racial equity. Purpose of the Interview The purpose of the interview is threefold: Educate listeners about alternative paths to homeownership that defy traditional mortgage industry norms. Challenge myths about credit scores, Section 8 recipients, and affordability. Promote NACA’s model as a scalable, nationwide solution to the housing affordability crisis and racial wealth gap. Key Takeaways 1. NACA’s Mortgage Model Is Radically Different No down payment No closing costs or fees Below-market, fixed interest rates Credit scores are not used; lending is based on payment history and financial behavior. 2. Predatory Lending Targets Vulnerable Communities Marks defines predatory lending as mortgages “structured to fail”, citing the 2008 housing crisis as a direct result of unaffordable loan structures that later doubled or tripled payments. 3. Section 8 as a Pathway to Ownership and Wealth NACA enables families to apply their Section 8 Housing Choice Vouchers toward mortgage payments, allowing renters to build equity instead of enriching landlords. Over a 20‑year term, this can result in $200,000–$300,000 in personal wealth. 4. The $1 Homeownership Program Is a Game Changer Cities sell vacant homes or lots to buyers for $1, while NACA finances renovation or new modular construction—cutting costs by eliminating developers and enabling homes to be built for roughly $120,000 total. 5. Scale and Impact Matter NACA operates in all 50 states Newark event drew 25,000+ people over five days Over 75,000 homeowners served Foreclosure rate: 0.00012. Notable Quotes from Bruce Marks “We have the best mortgage in the country.”. “Predatory lending is a mortgage that is structured to fail.”. “What you’re doing is the wealth is now going to the person with a Section 8, not to the landlord.”. “We do character-based lending, never looking at someone’s credit score.”. “Homeownership is a safety issue, it’s an anti-crime issue.” Bottom Line The interview positions Bruce Marks and NACA as disruptors of the traditional mortgage industry, proving that affordability, scale, and advocacy can coexist. The message is clear: homeownership should be a right earned through responsibility and support—not a privilege restricted by wealth, credit scores, or predatory systems.. #BEST #STRAW #SHMS Support the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning television Executive Producer Rushion McDonald interviews Bruce Marks. CEO of NACA – America's Best Mortgage Program. The incredible NACA mortgage allows NACA Members to purchase their homes with the following: Below is a structured summary of the Bruce Marks interview with Rushion McDonald on Money Making Conversations Masterclass, based entirely on the interview transcript you provided. All points and quotes are drawn from that source. Interview Summary Bruce Marks, founder and CEO of NACA (Neighborhood Assistance Corporation of America), joins Rushion McDonald to discuss his four-decade mission to make affordable homeownership accessible to working families, particularly those historically excluded from the housing market. Marks explains how NACA fights predatory lending while simultaneously offering what he calls “the best mortgage in America”—characterized by no down payment, no closing costs, no fees, low fixed interest rates, and no reliance on credit scores. The conversation highlights NACA’s innovative programs, including converting Section 8 housing vouchers into mortgage payments, the $1 Homeownership Program for vacant properties, and large-scale, community-based homebuying events that process thousands of families in days rather than months. Marks frames homeownership as a tool for wealth-building, community stability, crime reduction, and racial equity. Purpose of the Interview The purpose of the interview is threefold: Educate listeners about alternative paths to homeownership that defy traditional mortgage industry norms. Challenge myths about credit scores, Section 8 recipients, and affordability. Promote NACA’s model as a scalable, nationwide solution to the housing affordability crisis and racial wealth gap. Key Takeaways 1. NACA’s Mortgage Model Is Radically Different No down payment No closing costs or fees Below-market, fixed interest rates Credit scores are not used; lending is based on payment history and financial behavior. 2. Predatory Lending Targets Vulnerable Communities Marks defines predatory lending as mortgages “structured to fail”, citing the 2008 housing crisis as a direct result of unaffordable loan structures that later doubled or tripled payments. 3. Section 8 as a Pathway to Ownership and Wealth NACA enables families to apply their Section 8 Housing Choice Vouchers toward mortgage payments, allowing renters to build equity instead of enriching landlords. Over a 20‑year term, this can result in $200,000–$300,000 in personal wealth. 4. The $1 Homeownership Program Is a Game Changer Cities sell vacant homes or lots to buyers for $1, while NACA finances renovation or new modular construction—cutting costs by eliminating developers and enabling homes to be built for roughly $120,000 total. 5. Scale and Impact Matter NACA operates in all 50 states Newark event drew 25,000+ people over five days Over 75,000 homeowners served Foreclosure rate: 0.00012. Notable Quotes from Bruce Marks “We have the best mortgage in the country.”. “Predatory lending is a mortgage that is structured to fail.”. “What you’re doing is the wealth is now going to the person with a Section 8, not to the landlord.”. “We do character-based lending, never looking at someone’s credit score.”. “Homeownership is a safety issue, it’s an anti-crime issue.” Bottom Line The interview positions Bruce Marks and NACA as disruptors of the traditional mortgage industry, proving that affordability, scale, and advocacy can coexist. The message is clear: homeownership should be a right earned through responsibility and support—not a privilege restricted by wealth, credit scores, or predatory systems.. #BEST #STRAW #SHMS See omnystudio.com/listener for privacy information.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning television Executive Producer Rushion McDonald interviews Bruce Marks. CEO of NACA – America's Best Mortgage Program. The incredible NACA mortgage allows NACA Members to purchase their homes with the following: Below is a structured summary of the Bruce Marks interview with Rushion McDonald on Money Making Conversations Masterclass, based entirely on the interview transcript you provided. All points and quotes are drawn from that source. Interview Summary Bruce Marks, founder and CEO of NACA (Neighborhood Assistance Corporation of America), joins Rushion McDonald to discuss his four-decade mission to make affordable homeownership accessible to working families, particularly those historically excluded from the housing market. Marks explains how NACA fights predatory lending while simultaneously offering what he calls “the best mortgage in America”—characterized by no down payment, no closing costs, no fees, low fixed interest rates, and no reliance on credit scores. The conversation highlights NACA’s innovative programs, including converting Section 8 housing vouchers into mortgage payments, the $1 Homeownership Program for vacant properties, and large-scale, community-based homebuying events that process thousands of families in days rather than months. Marks frames homeownership as a tool for wealth-building, community stability, crime reduction, and racial equity. Purpose of the Interview The purpose of the interview is threefold: Educate listeners about alternative paths to homeownership that defy traditional mortgage industry norms. Challenge myths about credit scores, Section 8 recipients, and affordability. Promote NACA’s model as a scalable, nationwide solution to the housing affordability crisis and racial wealth gap. Key Takeaways 1. NACA’s Mortgage Model Is Radically Different No down payment No closing costs or fees Below-market, fixed interest rates Credit scores are not used; lending is based on payment history and financial behavior. 2. Predatory Lending Targets Vulnerable Communities Marks defines predatory lending as mortgages “structured to fail”, citing the 2008 housing crisis as a direct result of unaffordable loan structures that later doubled or tripled payments. 3. Section 8 as a Pathway to Ownership and Wealth NACA enables families to apply their Section 8 Housing Choice Vouchers toward mortgage payments, allowing renters to build equity instead of enriching landlords. Over a 20‑year term, this can result in $200,000–$300,000 in personal wealth. 4. The $1 Homeownership Program Is a Game Changer Cities sell vacant homes or lots to buyers for $1, while NACA finances renovation or new modular construction—cutting costs by eliminating developers and enabling homes to be built for roughly $120,000 total. 5. Scale and Impact Matter NACA operates in all 50 states Newark event drew 25,000+ people over five days Over 75,000 homeowners served Foreclosure rate: 0.00012. Notable Quotes from Bruce Marks “We have the best mortgage in the country.”. “Predatory lending is a mortgage that is structured to fail.”. “What you’re doing is the wealth is now going to the person with a Section 8, not to the landlord.”. “We do character-based lending, never looking at someone’s credit score.”. “Homeownership is a safety issue, it’s an anti-crime issue.” Bottom Line The interview positions Bruce Marks and NACA as disruptors of the traditional mortgage industry, proving that affordability, scale, and advocacy can coexist. The message is clear: homeownership should be a right earned through responsibility and support—not a privilege restricted by wealth, credit scores, or predatory systems.. #BEST #STRAW #SHMS Steve Harvey Morning Show Online: http://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

P.M. Edition for June 23. Mortgage rates dipped below 6% in February, but geopolitical tensions and a hawkish Federal Reserve have sent rates back up. Journal reporter Nicole Friedman discusses what that means for the rest of 2026, and how the housing market could bounce back from a slump this spring. Plus, the Trump administration is pushing for a nuclear power renaissance. The Energy Department is making $17.5 billion in low-interest loans available to help finance the construction of nuclear reactors. We hear from Jennifer Hiller, who covers the power industry for WSJ, about how the program would work. And the tech selloff deepened today, with the Nasdaq dropping 2.2%. WSJ markets reporter David Uberti walks us through what's driving the dip. Alex Ossola hosts. Sign up for the WSJ's free What's News newsletter. Learn more about your ad choices. Visit megaphone.fm/adchoices

First-time homebuyers may get short windows of relief, but our co-head of Securitized Products Research James Egan and Senior Economist and Strategist in Morgan Stanley's Private Wealth Management Sarah Wolfe say the bigger story is a housing market resetting around a higher bar to entry.Read more insights from Morgan Stanley.----- Transcript -----James Egan: Welcome to Thoughts on the Market. I'm Jim Egan, Morgan Stanley's U.S. Housing Strategist and Co-Head of Securitized Products Strategy.Sarah Wolfe: And I'm Sarah Wolfe, Senior Economist and Strategist within Morgan Stanley Wealth Management.James Egan: And today, why first-time homebuyers are facing a tougher path to ownership.It's Tuesday, June 23rd at 10am in New York.Buying a first-time home has always been a big step, but for a growing number of first-time buyers today, the goal can really seem insurmountable.Mortgage rates might be down from where they were in the second half of 2023, but they're significantly higher than they were for the several years before that. Monthly payments have roughly doubled for a median-priced home. And my colleague Jay Bacow and I have talked several times on this podcast about how many homeowners feel like they're locked into those lower rates.And they're staying put because they just don't want to give up a two or three-handle mortgage rate for something that has a six in front of it. But Sarah, as we know, this is bigger than just first-time buyers. Now, they often start the housing transaction chain, and when they can't buy, current owners may not be able to sell and trade up.That slows turnover across the market, and it also reduces activity tied to housing – from mortgages and renovations to moving and furniture. And it can keep would-be buyers renting for longer, which adds pressure to rental demand.So, how do you see this situation? Is this just another affordability squeeze, or has the housing market reset to a higher barrier to entry?Sarah Wolfe: I do think that we're on the upper bound of affordability pressures. This is about as bad as it's going to get. But as we discussed in our recent publication of The Economy Explained, unfortunately, we do think that the housing market is resetting at a structurally higher barrier to entry. There's a lot of reasons for that.The first is higher interest rates. Yes, mortgage rates are sitting around 6.5 percent, and they should come down from here, but maybe not better than 5.5 percent, right, in an optimistic scenario. The second is demographic pressures. Remember, we have this tremendous aging population of baby boomers. All of their children are now entering their prime home-buying years, so there's a lot of demand for ownership.The third and fourth ones are land regulation and permitting, which is at the state and local level, really hard to change. And the last one is climate risk. It's just raising insurance pricing and making it much more difficult to buy a home.So overall, we see a world where, yes, mortgage rates come down a bit, improve affordability marginally, but we think neutral and other interest rates at the longer end of the curve are going to be higher than the post-financial crisis period. And what we're going to see is that those forces are going to widen the divide between who can own a home and who cannot. And who gains from that wealth accumulation and who does not.James Egan: Right. So now, you mentioned where mortgage rates are today, above that 6 percent rate. Rates did briefly – in February, we got below 6 percent before they bounced back up here. Why did that short-lived relief matter so much?Sarah Wolfe: I think that short-lived relief showed us that moves in the mortgage rate make a difference, but things are so unaffordable that it didn't make that much of a difference.So, the dip below 6 percent was very exciting. It happened this past February. It was the first time that mortgage rates fell below 6 percent since 2022, and we saw a few things happen. First, it lowered the monthly payment for first-time homebuyers from about two point two thousand dollars a month to one point nine thousand.So makes a bit of a difference. And it lowered the share of income that goes towards monthly mortgage payments from about 26 percent of income to 22 percent, from peak to trough. So, that is a notable improvement. But what we saw in the new home sales data and the existing home sales data, that it did not drive people back into the housing market.I want to turn it back to you though, Jim, because you've actually done a lot of interesting work on this. And how this change in mortgage rates has changed the monthly cost that people have to pay for a median-priced home. Can you tell us a little bit more?James Egan: Sure. So, we talk about the lock-in effect a lot, and it's kind of easy to point to: Well, there are a lot of people with mortgage rates that are around 3 percent or 3.5 percent, and the prevailing rate's at 6 percent, and that's a lot higher, so they're locked in.But when we look at the actual numbers in terms of what we're asking a homeowner to do – to list their home for sale and move to another home today, pay off that existing mortgage, take out a new one. When you take into account how much higher home prices are today…You bought a home in 2016, for instance, right? Let's assume you refinanced in 2020 or 2021 if you still live there, right? Most homeowners did. So, you've actually taken your monthly payment, and it is lower today than it was when you bought your home in 2016. If we assume that your income has risen alongside just median household income over that time period, your monthly payment as a share of your income today is probably sub 8 percent.If you bought over the past three years, your monthly payment is a share of your income. You mentioned some numbers earlier. It's low to mid 20 percent. From a dollar amount perspective, if you were to pay off that 2016 mortgage, as an example, and take out one today, your payment is probably [$]13[00] or $1400 higher. It's like a 200 percent increase. That's very difficult economically for a lot of households, and that's the kind of physical manifestation of that lock-in effect.Now, Sarah, given this significant change in housing math, what does that mean for who is actually able to buy in this market?Sarah Wolfe: It's making who's able to buy into the market a lot more selective. So, what we're seeing is that first-time home buyers today are actually not meaningfully older. They're still about 36 years old, but they are a much more selective group financially. The Federal Reserve Bank of New York put out a great analysis on this recently, and they basically found that the first-time home buyer profile today is taking out a mortgage that's nearly $350,000, compared to $240,000 in 2019 and $200,000, a decade ago. So, significant increase in mortgage balances.At the same time, credit standards have tightened significantly, so that average credit score to get a mortgage has risen quite a bit over the last 5 to 10 years. And what this is doing is it's shifting who can buy and also where they can buy. So, we're seeing higher-quality home buyers moving to lower-income zip codes. So, buying cheaper homes in lower-income metro areas, and so it's wealthier buyers in lower-income areas.And that's the really big shift that we're seeing. It's a demand resorting story. And what we're also seeing, and we hear this a lot when we talk to our financial advisors and their clients, is that family is increasingly helping their other family members put that down payment down; in particular, parents helping their children buy that first home.So, we're seeing that first-time buyers may be feeling this pressure, right, when it comes to rates. How much of this affordability issue, though, is being driven by the locked-in effect specifically?James Egan: So, look, it's clearly playing a role. We just talked about some of the math behind that. But then when you look at what that means on a nationwide basis when it comes to inventory, when it comes to so many other aspects of this, that homeowner who's unwilling to give up that lower mortgage rate, that lower payment, right, their homes are off the market.Existing inventories for sale, they've picked up from historic lows in 2023, but they're still very, very low on a long-run basis. The fewer homes there are for sale, the more upward pressure or the absence of downward pressure that's going to put on home prices, right?We saw affordability plummet in 2022 and 2023 when rates backed up. We saw existing home sales really, really come down as a result. But home prices remained at record highs. They continued to set new record highs. For home prices to actually come down, right, you need people who are willing to sell at lower home prices.Sarah, you just mentioned that lending standards themselves remain tight.Sarah Wolfe: Mm-hmm.James Egan: Those forced sales, those tend to be distressed transactions. We don't see that distress in the market providing the inventory and the motivated inventory to lead to softer home prices. So, it's really that lack of inventory which we think is in large part driven by the lock-in effect that's kept home prices. And as a result, that piece of the affordability equation kind of stuck at these higher levels.Sarah Wolfe: I mean, it's really this vicious cycle, the locked-in effect making it difficult for entry-level buyers to get into the market – and then fewer existing homeowners sell or trade up or relocate. So, on and on it goes.Are there broader implications of this freeze?James Egan: Right. So, we just talked about what that means from an inventory perspective. And then if you think about affordability remaining challenged, lending standards themselves remaining tight, inventory remaining as low as it is, you could argue that we're at one of the more difficult times that we've seen for renters to exit rentership and step into homeownership.Now, there's a lot of different things that drive rent growth, and the fact that you have a stuck renter is just one of them. The other side of that equation can be the supply of rental units, right? So that's just a piece of the equation.But those are some of the externalities that we think about when it comes to how the tightness of the housing market – what the lock-in effect and what affordability is doing there. But outside of the housing market, Sarah, the wider economy, like how do these housing costs play a role there?Sarah Wolfe: Massive effect. Some of the work that we've done shows that housing affordability is the number one driver pushing down fertility rates in America. The number one driver. Above childcare costs, above finding a partner, finding a good job. It's housing affordability. So, you could see how that could pretty significantly ripple through the broader economy.But there's other components, right? So, as we discussed earlier, it's driving migration from unaffordable areas to more affordable regions. That has significant implications. And then putting my consumer economist hat on, as we discussed earlier in the podcast, when people buy a home, they tie themselves to that home. They spend money on couches, on beds, on TVs, right? Durable goods. And if we're going to have more people as renters for longer, that's going to expand the services economy at the expense of the goods economy.All right. Let's take a step back and think about where this is all going. It hasn't been a very optimistic conversation. Jim, what is the outlook for affordability in your view? Do we get anywhere back to the post-financial crisis period or even the pre-financial crisis period?James Egan: When it comes to the outlook for mortgage rates, the outlook for affordability, the outlook for the U.S. housing market – look, we just, throughout Morgan Stanley Research and Strategy, published our 2026 major outlook. From now through the end of 2027, we don't have conventional mortgage rates getting below 6 percent.We do have affordability improving on the margins. We have income growth exceeding home price appreciation that makes it a little bit better, but that doesn't get us back to the post-GFC affordability era, which was very, very affordable. Looking back over the past several decades, it gets us closer to where we were pre-GFC, not all the way back there.But when we think about how that ripples through the housing market and how we think about that evolving from here, look, we do think that the state of mortgage credit availability means there will be a lack of distress. We think that while affordability itself may be challenged and inventories may be low, there is some level of housing activity that has to occur regardless of where mortgage rates are or affordability is.We think we found that level. We think there's support for home sales at these current levels, and that combination of support for home sales, lack of inventory, means that home prices, very little room for them to grow from here. But we think they're going to be pretty supported.So, from a housing market perspective, at a ten-thousand-foot view, we're calling it 1-2 percent growth in sales, in home prices, well-supported. But the affordability outlook that we've outlined throughout this podcast – challenged to see a lot of acceleration.Now, when we pull it back to the first-time home buyer, based on our conversation, it seems that the key question is becoming less about when to buy, more about who can still afford to enter the market.But Sarah, it's really been great talking with you about the housing market today.Sarah Wolfe: It was great speaking with you, Jim.James Egan: And thanks for listening. If you enjoy Thoughts on the Market, please leave us a review wherever you listen and share the podcast with a friend or colleague today. ***Sarah Wolfe is a member of Morgan Stanley's Wealth Management Division and is not a member of Morgan Stanley's Research Department. Unless otherwise indicated, her views are her own and may differ from the views of the Morgan Stanley Research Department and from the views of others within Morgan Stanley.

Are you letting the fear of the unknown hold you back from making profitable real estate deals? In this explosive episode of the Monday Money Coaching Call, host Scott Carson breaks down exactly why traditional real estate investors get trapped by analysis paralysis when transitioning into the note investing world. If you are waiting for a perfect interior inspection, a standard title closing, or traditional after-repair value (ARV) metrics before pulling the trigger on a non-performing loan—you are doing it all wrong! Tune in as we dissect a live Texas mortgage note tape, answer real-time student questions, and reveal how you can achieve an incredible 15% to 28% annualized return by embracing the unknown and leveraging a massive cushion of equity. Key Topics Covered in This EpisodeBidding Blindly and Safely: Why you don't need an interior inspection or a 5% earnest money deposit to put an offer on a vacant or non-performing note. If you hit an unexpected roadblock during due diligence, you can always utilize your "get out of jail free card" to renegotiate or walk away completely. The ARV Myth in Note Buying: Discover why After Repair Value (ARV) doesn't apply on the front end of note investing and how to shift your focus to the loan's true legal balance and foreclosure timelines instead. Navigating the Statute of Limitations: How a state's legal timeline limits how many years of back-payments a lender can actually collect, and how to spot overinflated legal balances on older defaults before you bid. Mastering the Mortgage Tape Terms: A deep dive into complex terms that often intimidate beginners—including Deferred Balances (extending the term to the back-end), Corporate Advances (lenders stepping in to pay delinquent taxes or forced-place insurance), and the difference between UPB and legal balance. Spotting "Emotional Equity": Learn how to visually evaluate a property from the exterior (such as neat landscaping or well-kept cars) to identify a motivated borrower who is highly likely to enter a creative workout agreement to save their home. Analyzing a Live Deal: A step-by-step breakdown of an actual re-performing note in Beaumont, Texas. Scott calculates the cash-on-cash yield and shows how a borrower making 16 payments over 12 months flags a massive "cha-ching" opportunity for passive investors. Stop overcomplicating your investment strategies with complex jargon and AI-generated text that scares off private money partners. Keep it simple, look at the equity, and remember that when you buy the note, even a foreclosure can lead to a bigger payday down the road. The best way to learn note investing is by actively pulling the trigger and making offers. Take a look at your mortgage tapes, look past the dirt, and let's get rocking and rolling!Watch the Original VIDEO HERE!Book a Call With Scott HERE!Sign up for the next FREE One-Day Note Class HERE!Sign up for the WCN Membership HERE!Sign up for the next Note Buying For Dummies Workshop HERE!Love the show? Subscribe, rate, review, and share!Here's How »Join the Note Closers Show community today:WeCloseNotes.comThe Note Closers Show FacebookThe Note Closers Show TwitterScott Carson LinkedInThe Note Closers Show YouTubeThe Note Closers Show VimeoThe Note Closers Show InstagramWe Close Notes Pinterest

Joel Cabusao shares insights on velocity banking, real estate investing, and strategic financing to help investors build wealth efficiently. Discover practical tips and real-world examples to optimize your investment strategy.   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   —--------------------

The following guest sits down with host Justin White:•   Anthony Lee – CEO and Founder, Veterans Alliance Home LoansShowing up For the Military Veteran Community Requires a Keen Understanding of the VA LoanFrom the military to marathons to mortgages, Anthony Lee knows what it takes to get across the finish line. He's now using that same approach to lift the veteran community. How can mortgage loan originators help more veteran borrowers while shifting the narrative on VA loans? Listen to Episode #126 of the Good. Better. Broker. podcast to find out how Anthony is creating more opportunities for LOs, military veterans, and their families.In this episode of the Good. Better. Broker. podcast, you'll learn how to help veterans navigate the VA loan process.In this episode, we discuss ...•   1:55 – how being an endurance athlete helps with doing mortgages•   3:49 – Anthony running 6 marathons in one year•   5:40 – Anthony's history in the mortgage industry•   6:46 – how Anthony got a $4.1m listing on his first deal in real estate•   9:16 – how military experience translates to mortgages•   10:46 – why veteran LOs are uniquely positioned to serve veteran borrowers•   12:09 – what non-veteran LOs don't understand about serving military veterans•   13:59 – The launch of Veterans Alliance Home Loans •   15:41 – what Anthony asks listing agents about VA loans•   17:38 – why Anthony can overcome any objection•    19:47 – similarities between coaching athletes and LOsShow Contributor:Anthony LeeConnect on LinkedIn Connect on Facebook Connect on InstagramAbout the Host:Justin White is UWM's in-house brand journalist and the host of UWM Daily. 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 Twitter Connect with UWM on Social Media:•   Facebook•   LinkedIn•   Instagram•   Twitter•   YouTubeHead to uwm.com to see the latest news and updates.

Why do some valuers excel at winning instructions but struggle to book mortgage appointments? I'm joined by Stuart Dare from Nexpad to explore the growing divide between estate agency and financial services, covering KPIs, vendor care and whether valuers are simply being asked to do too much.

In this episode, Gabriella Godde, widely known as California Mortgage Girl, shares her expertise in creative financing, mortgage solutions, and real estate investment strategies. With nearly three decades of experience in the lending industry, Gabriella discusses how buyers and investors can navigate California's competitive market through innovative loan products, strategic planning, and strong lender relationships.   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   —--------------------

This week on The Accunet Mortgage and Realty Show, Brian Wickert and Tim Holdman break down a noisy week of rate headlines—the Iran conflict MOU, new Fed Chair Warsh's first FOMC meeting, and the “dot plot” predictions—and explain why all the angst added up to a big hot cup of nothing.The heart of the episode: when a home equity line of credit can quietly sabotage your future refinance. Brian and Tim walk through real client stories showing how an open HELOC triggers pricing penalties, eats into your equity, and requires lender subordination—plus the smart move of opening a HELOC before you need it to skip a costly bridge loan.They also cover VA versus conventional strategy for a veteran buyer, the truth behind “0%” vendor financing, and how custom loan terms interact with low-loan-balance pricing. Finally, a sharp look at when not to refinance when you've already paid points.

What is really stopping you from building a larger real estate portfolio? Is it money? Mortgages? Finding the right deals? Fear of tenants? Fear of repairs? Fear of the market changing? In today's episode, Wayne and Gabby break down the most common reasons investors give for not moving forward and explain why those obstacles are often not the real problem. The episode begins with a real example from their own portfolio. After nearly 100 millimetres of rain fell in Edmonton, multiple properties experienced water issues, including one basement suite with wet carpet that required immediate restoration work and temporary accommodations for the tenant. Wayne and Gabby explain how years of experience, strong systems, the right network, and knowing what they could and could not control allowed them to manage the situation while attending their daughter's soccer tournament. A problem that may have felt overwhelming early in their investing journey became something they could manage calmly and efficiently. That leads into the bigger conversation. Many people want to build large portfolios but do not understand how investors continue buying after they run out of money or stop qualifying for traditional mortgages. Wayne explains that successful investors do not have unlimited money or unlimited access to financing. They learn how to get creative. They use joint venture partnerships. They work with people who can qualify for better financing. They use seller financing. They build relationships with investor-focused mortgage brokers. They focus on strong cash-flowing properties that support future borrowing. They bring knowledge, systems, experience, deal-finding ability, and confidence to partnerships with people who have the capital and borrowing power. Wayne also explains why seller financing can help investors acquire properties with little or no money down, but why those opportunities still need to be evaluated carefully. Not every creative deal is automatically a good investment, and many seller-financed properties may not meet the same standards as the investor's ideal property. The central lesson of the episode is that the final obstacle is usually not the mortgage, the down payment, or the deal. It is confidence. Investors can find the information. They can learn how to analyze properties. They can find mortgage brokers. They can learn how joint ventures work. They can find money. But many people still do not take action because they are afraid of making a mistake, being judged, losing money, or stepping outside what feels familiar. Gabby explains that knowledge alone does not create confidence. Confidence comes from combining knowledge with action. Wayne explains why investors need to believe in themselves and the opportunity before they can inspire a joint venture partner to believe in them. If you do not have the confidence, experience, or desire to manage the deal yourself, the solution may be to partner with someone who does. It is better to receive half the profits from a properly managed investment than to receive nothing because fear kept you from acting. This episode is for anyone who wants to buy more rental properties but feels stuck, overwhelmed, underfunded, or unsure how other investors keep scaling. The answer is not unlimited money. It is resourcefulness, partnerships, knowledge, systems, and the confidence to take action. What You'll Learn in This Episode How Wayne and Gabby handled flooding across multiple rental properties Why heavy rain exposed weaknesses around grading, drainage, and foundations Why proactive tenants can help landlords prevent major damage Why the right network can make emergency property problems easier to manage Why systems and experience reduce stress during unexpected events Why real estate investing always comes with storms, both literal and figurative Why investors should focus on what they can control Why many people believe mortgages will prevent them from scaling Why every investor's mortgage situation is different Why an investor-focused mortgage broker matters Why buying strong cash-flowing properties supports future financing Why lenders, mortgage rules, rates, and policies constantly change What investors can do after traditional lenders stop approving them How credit unions may provide additional financing options Why expensive financing can reduce profitability and increase risk Why joint venture partners can help investors access better financing Why investors eventually run out of their own money How seller financing can help investors acquire properties with little or no money down Why not every seller-financed property is a good investment Why creative financing requires strong due diligence How investors can exchange expertise and systems for a partner's money and mortgages Why the ability to put deals together is one of the most valuable investing skills Why knowledge and network are both necessary for scaling Why confidence is essential when raising capital Why investors need to believe in the opportunity before presenting it to others Why knowledge without action does not create confidence Why action without knowledge can create unnecessary risk Why most investing excuses are figureoutable Why fear of mistakes and judgment keeps people stuck Why your final obstacle may be yourself Why it may be better to partner with an experienced investor than do nothing Why getting half the profits can be better than getting no profits Why the most successful investors focus on solutions instead of excuses Upcoming Events Edmonton Garden Suites 101 July 24, 2026 Edmonton, Alberta www.reimasters.ca REI Masters Edmonton Real Estate Investing Bus Tour August 22, 2026 www.reimasters.ca/edmontonbustour About Your Hosts Wayne & Gabby Hillier are full-time real estate investors and real estate investing coaches based in Edmonton, Alberta, Canada. Through the REI Masters Mentorship Program, they help Canadians build long-term wealth through rental properties, BRRRRs, joint ventures, seller financing, rent-to-own, garden suites, and other real estate investing strategies. The Canadian Real Estate Investing Morning Show releases new episodes every weekday morning featuring real stories, market analysis, coaching conversations, investor questions, landlord advice, business systems, personal development, and practical real estate investing education. Resources & Contact Learn about the REI Masters Mentorship Program: www.reimasters.ca Get Wayne's book: The 5% Rule™ – A Real Estate Cash Flow Test for Canadian Investors https://a.co/d/jdZaBXM Submit a question: info@reimorningshow.com Thanks To Our Sponsors Calvin Realty – Edmonton Investor-Focused Realtor calvinrealty.ca Finngo Bookkeeping & Tax www.finngo.com/rei Kirkwood & Brennan Mortgage Group www.kbmortgages.ca keaton@kbmortgages.ca

In this episode, explore the role of inbound calls in Google Ads campaigns for mortgage leads. He argues that businesses often overlook the power of immediate phone contact, treating it as an afterthought rather than a primary conversion channel. The discussion covers why these leads are unique, the importance of operational processes, and how to effectively track call performance. Key Takeaways The Urgency of Inbound Leads: When a user clicks to call directly from an ad, they have a clear intent: they want answers immediately. They are bypassing the standard web form journey because they are ready to talk now. Abolish the Phone Menu: Complex phone menus (IVRs) act as a barrier to potential clients who are already in a "solve my problem now" mindset. Alex advises businesses to remove these menus for ad-driven traffic, or use a dedicated phone number that connects directly to an adviser. Availability is Critical: Running Google Ads without a plan to answer the phone is "throwing money in the fire." If you miss the call, the lead will almost certainly move on to a competitor. If you cannot answer, consider outsourcing call handling, though speaking to an adviser directly remains the gold standard for conversion. The Power of Tracking: Use Google's call tracking numbers to get the full picture. This enables you to report on which specific keywords, ads, and landing pages are driving the most calls, allowing for better ROI analysis. There is no "Standard" Split: The ratio of web forms to inbound calls fluctuates wildly depending on the business. Data from various clients shows ranges from 80% forms to 80% calls. Don't assume a standard conversion ratio; track your specific data to understand your business reality. Actionable Advice Audit Your Process: If you are running ads, ensure someone is available to answer the phone immediately. If it's just you, prioritise availability during your active campaign hours. Clean Your Data: When reviewing call reports, filter out calls shorter than 10 seconds. These are often accidental "fat finger" clicks and will skew your conversion data. Be Accessible: Don't overthink the "professionalism" of being a small team. People want to know who they are working with; they don't need a corporate phone menu to feel secure. Connect with Alex For more insights into content experiments and lead generation data, subscribe to The Lead Engine newsletter on LinkedIn via Alex Curtis's profile. Brought to you by the team at The Lead Engine who specialise in generating mortgage leads.

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Contact Marko Gelo, he's a Mortgage Broker!604-800-9593 cell/text Vancouver403-606-3751 cell/text CalgaryCall Marko via WhatsApphomefinancingsolutions.caCanada is in the middle of the largest mortgage renewal wave in a generation, and right now millions of homeowners are deciding whether to stay with their current lender or make a move — and most of them don't know the one detail that determines whether switching lenders costs a few hundred dollars or several thousand. In this episode, I break down exactly what happens to your mortgage when it hits its maturity date, why a few days past maturity on the right product is almost free, and why some lenders handle this very differently than you'd expect. If your renewal is coming up in the next 12 months, this is the article to read before you sign anything.CLICK HERE to be redirected to the blog version of this episode.CLICK HERE to be redirected to Mortgagenomics Canada Podcast YouTube ChannelCLICK HERE to download Marko's award-winning Mobile Mortgage App! Hosted on Acast. See acast.com/privacy for more information.

Big Sal is fired up about the Rams going all-in on their defense by trading away a mountain of draft picks for Myles Garrett and a corner, mortgaging their next four years. Meanwhile, the Packers are getting Micah Parsons back from ACL by mid-season, Tucker Kraft ready for camp, and Zack Tom anchoring the line — all without giving up a single asset. - Rams traded multiple firsts, seconds, and players like Jared Verse to build a contender for one year - Micah Parsons had 12.5 sacks in 14 games last season before injury; due back by October - Tucker Kraft was playing like the best tight end in football before his ACL tear - Zack Tom is the unsung foundation of the Packers' offensive line Hit subscribe, leave a review, and share this with the donkey in your group chat who thinks the Rams already won the Super Bowl in June. We do this every single day and we do it for you. This episode is brought to you by PrizePicks! Use code PACKDADDY to get started with America's #1 fantasy sports app. https://prizepicks.onelink.me/LME0/PACKDADDY To advertise on this podcast please email: ad-sales@libsyn.com Or go to: https://advertising.libsyn.com/packernetpodcast Check out everything I'm building across the Packers and NFL world: NFL Draft Grades: https://nfldraftgrades.com/ Hashmarks: https://hashmarks.io/

Big Sal is fired up about the Rams going all-in on their defense by trading away a mountain of draft picks for Myles Garrett and a corner, mortgaging their next four years. Meanwhile, the Packers are getting Micah Parsons back from ACL by mid-season, Tucker Kraft ready for camp, and Zack Tom anchoring the line — all without giving up a single asset. - Rams traded multiple firsts, seconds, and players like Jared Verse to build a contender for one year - Micah Parsons had 12.5 sacks in 14 games last season before injury; due back by October - Tucker Kraft was playing like the best tight end in football before his ACL tear - Zack Tom is the unsung foundation of the Packers' offensive line Hit subscribe, leave a review, and share this with the donkey in your group chat who thinks the Rams already won the Super Bowl in June. We do this every single day and we do it for you. This episode is brought to you by PrizePicks! Use code PACKDADDY to get started with America's #1 fantasy sports app. https://prizepicks.onelink.me/LME0/PACKDADDY To advertise on this podcast please email: ad-sales@libsyn.com Or go to: https://advertising.libsyn.com/packernetpodcast Check out everything I'm building across the Packers and NFL world: NFL Draft Grades: https://nfldraftgrades.com/ Hashmarks: https://hashmarks.io/

Featured on WGN Radio's Home Sweet Home Chicago on 06/20/26: Kyle Erdmann from Erdmann Outdoor Living joins the show to help you create a more enjoyable outdoor living space. Kyle discusses ways to extend the use of patios, decks, and covered outdoor areas with features like ceiling fans, heaters, misting systems, bug screens, and strategic […]

Featured on WGN Radio's Home Sweet Home Chicago on 06/20/26: Dave Schlueter of the Law Offices of David R. Schlueter joins the show to talk about Ryne Sandberg’s trust and estate arrangements dispute and last minute changes to documents and what that might mean for you and your planning. To learn more about what Dave Schlueter can […]

This week on Home Sweet Home Chicago, David Hochberg is joined by Justin Bartley, President and owner of NEXT Door and Window, to talk about Illinois’ updated energy-efficiency codes. Next, Kyle Erdmann of Erdmann Outdoor Living, helps you extend the use of your patios, decks, and covered outdoor areas. Then, Dave Schlueter of the Law Offices […]

Featured on WGN Radio's Home Sweet Home Chicago on 06/20/26: Justin Bartley, President and Owner of NEXT Door & Window joins the program to tell a story about a loyal listener and educates the panel on how Illinois’ updated energy-efficiency codes apply to replacement windows and doors. To learn more about what NEXT Door & Window […]

Grab our brand new prayer book here: https://shop.sdti.me/products/30-days-of-prayer-for-your-finances The first time I prayed a prayer I thought might be selfish, I was 20 years old and brand new in my faith. God said yes. I spent the next seven months refusing to accept the answer because I could not believe He had actually said it. Years later I prayed a different prayer, this one about our mortgage. The answer came back in a way I never would have written. Ten months later the mortgage was gone. In this episode Linda and I get into the four reasons most Christians do not pray about money (and why all four are wrong), the five categories of prayer most of us have never named, the moment Linda figured out she could unload on God the same way she unloads on me, the prayer Joshua prayed that should reframe how bold we are willing to be, and the comment one woman left on our Instagram about a 'lowercase g' God that I have not been able to shake.   WHAT WE COVER IN THIS EPISODE Here's a little of what we cover in this episode: The four reasons Christians don't pray about money (and why all four are wrong) The selfish-feeling prayer Bob fought against for seven months before accepting God's yes The five categories of prayer most of us have never named for our finances What Joshua's prayer in the Bible has to do with how boldly we should pray The Instagram comment about a 'lowercase g' God that has stuck with us Why God redirected the mortgage prayer toward tripling our giving instead What letting your kids barge into your office reveals about how we are meant to approach God The one-sentence prayer challenge to take this week   BIBLE VERSES MENTIONED Philippians 4:6 James 4:2-3 Joshua 10 (referenced — Joshua praying for the sun to stand still) 1 Thessalonians 5:17 Matthew 6:11 James 1:5 James 3:17 1 Thessalonians 5:18 Matthew 6:24 Psalm 24:1   RESOURCES MENTIONED 30 Days of Prayer for your Finances Simple Money, Rich Life (the book)   DISCLAIMER Obligatory legal disclaimer: I'm a financial educator, not your financial advisor, investment advisor, tax pro, or lawyer. This channel is for general education, not personalized advice, and nothing here should be taken as a recommendation to buy, sell, or use any specific investment, account, or financial product. I'm just sharing what I'm doing, what I'm learning, and what I find interesting. Markets can be humbling. Investing involves risk, including the risk of losing money, and my results are personal, may not be typical, and are not guaranteed. Do your own research, use wisdom, and talk with a qualified professional before making financial decisions. Some links are to our resources and some are affiliate links, which means we may earn a commission at no extra cost to you. That helps keep the lights on around here, so thanks for the support.

Today's episode includes a discussion on creative ways the younger generation is making home ownership a reality. Plus, Robbie interviews Provident Bank's Bruno Viscariello on how rate lock-in, changing consumer behavior, and rising ownership costs are reshaping housing demand, affordability, and lender value propositions. And we close with a look at how recent changes to conventional underwriting have increased the issuance of lower-FICO mortgages.Thank you to Truework, a Checkr Company, the one verification solution to replace in-house waterfalls. Verify any borrower with a VOIE solution that automates the entire process to quickly deliver the most accurate and complete reports with broad GSE coverage.The Chrisman Commentary is 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.

Thinking about investing in a mortgage note fund but not sure where to start?In this episode of the Paperstac Podcast, Brett Burky sits down with TJ Osterman to break down the most important factors investors should consider when evaluating a mortgage note fund. Whether you're a seasoned investor looking to diversify your portfolio or someone searching for passive income opportunities outside of traditional stocks and bonds, this episode will help you understand what separates a quality fund from one you should avoid.Mortgage note funds have become increasingly popular among investors seeking passive cash flow, real estate-backed investments, portfolio diversification, and exposure to alternative assets. But how do you know which fund is right for you? What questions should you ask? What red flags should you watch for? And how can you evaluate a fund manager before wiring your hard-earned capital?TJ Osterman and Brett Burky walk through the key components of fund evaluation, including:✅ What is a mortgage note fund?✅ How mortgage note funds generate returns✅ What makes a great fund operator✅ How to evaluate a fund manager's track record✅ The importance of transparency and reporting✅ Risk management strategies used by successful funds✅ Questions every passive investor should ask✅ Common mistakes investors make when selecting a fund✅ Red flags that may indicate potential problems✅ How to align your investment goals with the right fund structureIn addition to the discussion with TJ, this episode features interviews and insights from several respected mortgage note fund operators, including:• Earnest Fund• 7e Fund• Integrity FundThese fund managers share their perspectives on investing, portfolio management, risk mitigation, investor communication, and what they believe sets successful mortgage note funds apart from the competition.If you've ever wondered:How do mortgage note funds work?What are the risks of investing in a note fund?How do I compare different mortgage note funds?Should I invest in a fund or buy notes myself?What returns should I expect from a mortgage note fund?What questions should I ask before investing?This episode was created to help answer those questions and provide practical guidance from experienced operators actively managing investor capital.Topics Covered:Mortgage Note FundsNote InvestingPassive IncomeAlternative InvestmentsReal Estate InvestingDistressed DebtSeller FinancingPrivate LendingInvestment FundsCash Flow InvestingWealth BuildingFund ManagementDue DiligenceInvestor RelationsPortfolio DiversificationMortgage NotesSelf-Directed IRA InvestingRetirement InvestingReal Estate NotesPassive Investing StrategiesWhether you're looking to invest through a Self-Directed IRA, diversify your investment portfolio, create passive income, or learn more about mortgage note investing, this episode provides valuable insights from experienced fund managers and industry professionals.

Tougher talks between the US and Iran lie ahead after both sides signed an initial agreement. We break down highlights from the opening ceremony of former President Barack Obama's presidential center and the big names who were – and weren't - there. We'll tell you what the Supreme Court decided in a case weighing drug users' gun rights. Mortgage rates are lower this week, but the relief may be short-lived. Plus, the jailed tycoon that's a long way from repaying her victims. Learn more about your ad choices. Visit podcastchoices.com/adchoices

This week, we tackle one of the biggest financial dilemmas facing homeowners today: what do you do when your life outgrows your house, but your mortgage rate is too good to give up? A listener and her husband are raising two kids, both working from home, caring for aging parents, and trying to decide whether moving from a $600,000 home into a $750,000 home makes financial sense. The challenge? Their current mortgage rate is an almost mythical 2.75%, with just 14 years remaining until payoff. On paper, the move appears affordable. A larger home would increase their monthly payment from roughly $2,200 to $3,500, but an upcoming increase in income could largely offset the difference. Still, walking away from a low-rate mortgage feels financially painful. In this episode, we break down: Whether their math actually works Why "can we afford it?" and "should we do it?" are different questions The psychological power of a low mortgage rate How to think about future interest rates without trying to predict them The hidden cost of staying in a house that no longer fits your life Why some homeowners have become prisoners of their own great refinancing decisions When remodeling makes sense—and when it's just a way to avoid making a decision Plus, Pete explores the concept of the "mortgage trap": the strange modern reality where millions of Americans have become financially anchored to homes they may have otherwise outgrown. Is giving up a 2.75% mortgage rate a financial mistake—or is it simply the price of moving into the next stage of life? This week's episode is about the tension between optimizing money and optimizing your life. Sometimes those two things aren't the same.

Patrick McKenzie reads from his 2022 Bits About Money essay on mortgages, making the case that a mortgage is best understood as a manufactured product, not a simple loan between a bank and a customer. He walks through the assembly line behind every home loan, the loan officer and back-office staff who build the 700-page document. Then he traces the supply chain it gets sold into, where GSEs insure against non-payment risk, servicers buy the right to collect monthly checks, and pension funds and other private capital end up holding the economic exposure, because they want it more than banks do.–Full transcript available here: https://www.complexsystemspodcast.com/mortgages/ –Presenting Sponsors: Mercury & Granola Complex Systems is presented by Mercury—radically better banking for founders. Mercury offers the best wire experience anywhere: fast, reliable, and free for domestic U.S. wires, so you can stay focused on growing your business. Apply online in minutes at mercury.com.If meetings consistently leave you with hazy action items and lost context, Granola handles the transcription so you can actually participate and gives you searchable notes afterward. Try it free at granola.ai/complexsystems with code COMPLEXSYSTEMS–Links:Mortgages are a manufactured product: https://www.bitsaboutmoney.com/archive/mortgages-are-a-manufactured-product/ The 30-Year Mortgage is an Intrinsically Toxic Product: https://byrnehobart.medium.com/the-30-year-mortgage-is-an-intrinsically-toxic-product-200c901746a Michael Lewis' The Big Short: https://www.amazon.com/Big-Short-Inside-Doomsday-Machine/dp/0393338827 –Timestamps:(00:00) Intro(02:26) Mortgages are a manufactured product(04:19) Who manufactures mortgages?(07:08) Who buys mortgages?(07:42) The risk of non-payment(10:08) Sponsor: Mercury | Granola(14:35) The risk of failing to service a mortgage correctly(17:51) Every other risk you could imagine, of which there are many(24:04) Scratching the tip of the iceberg(25:10) More about flow meters(26:24) Wrap

Mortgage professional and AI enthusiast Nigel Ragan joins the REDX Podcast to explore one of the biggest questions facing sales professionals today: how can you leverage artificial intelligence without sacrificing the human relationships that drive business? Drawing from his personal experience integrating AI into his workflows, Nigel shares practical insights on where automation creates value and where people should always come first.In this episode, Nigel breaks down the biggest misconceptions about AI and explains why it should be viewed as a tool rather than a replacement for human interaction. He shares lessons learned from failed AI experiments, discusses how AI can support content creation, marketing, ad targeting, and workflow automation, and explains why authenticity will always outperform fully automated communication. Nigel also reveals how technology has helped him scale his operations while staying focused on solving real problems for real people. Whether you're an agent, entrepreneur, or sales professional, this conversation offers practical ways to embrace AI without losing the personal touch that builds trust and long-term success.Here's what you will discover in this episode…• Why AI should be used as a tool, not a replacement for people• How to create authentic content with AI without losing your personality• The biggest mistakes professionals make when automating marketing• Why AI-generated content often fails to connect with audiences• How AI can improve ad targeting and marketing efficiency• The importance of keeping business-to-consumer interactions human• How AI-powered workflows can save time and reduce business costs• Why adaptability and continuous learning will separate future top performers• How solving real problems creates long-term business successJUMP TO THESE TOPICS09:50 –

In this episode of The Greatest Machine, host Darius Mirshahzadeh interviews John Berkowitz, a serial entrepreneur who built multiple successful companies in the real estate and technology sectors. John shares his journey from failed pharmaceutical sales interviews to co-founding Yodle (a company that grew to 1,000 employees and hundreds of millions in revenue), creating OJO Labs, and eventually merging with Lower. The conversation explores the evolution of entrepreneurship, lessons learned from building and selling companies, and the future of AI in real estate and mortgage industries. In this episode, Darius and John will discuss: (00:00) Introduction and Background (02:04) John Berkowitz's Entrepreneurial Journey (08:37) Lessons from Yodel's Success and Challenges (16:58) Starting OJO and Its Evolution (23:22) OJO's Impact on Real Estate and Technology (24:25) The Journey to Acquiring Movoto (27:36) Integrating Real Estate and Mortgage (30:48) The Merger with Lower (35:29) Understanding the Real Estate Market (39:59) The Impact of AI on Real Estate (48:00) Overcoming Barriers to Greatness John Berkowitz is the President of Real Estate at Lower and General Manager of Movoto, where he leads efforts to integrate real estate search, agent support, and financing into a seamless homeownership experience. A seasoned entrepreneur and real estate technology leader, Berkowitz founded OJO Labs to help consumers make smarter homebuying decisions through personalized technology. He is also an EY Entrepreneur Of The Year Central Texas Award winner, recognized for his impact and innovation in the real estate industry. Connect with John: LinkedIn: https://www.linkedin.com/in/johnberkowitz  OJO Labs: https://ojo.com/ Lower: https://www.lower.com/  Connect with Darius: Website: https://therealdarius.com/ Linkedin: https://www.linkedin.com/in/dariusmirshahzadeh/ Instagram: https://www.instagram.com/imthedarius/ YouTube: https://www.youtube.com/@Thegreatnessmachine  Book: The Core Value Equation https://www.amazon.com/Core-Value-Equation-Framework-Limitless/dp/1544506708 Write a review for The Greatness Machine using this link: https://ratethispodcast.com/spreadinggreatness.  Learn more about your ad choices. Visit megaphone.fm/adchoices

Ricardo Salinas calls fiat a "fraud." And, will he run for office in Mexico? Ricardo Salinas, founder and president of Grupo Salinas, joins CoinDesk's Jennifer Sanasie and Ollie Acuna for a wide-ranging conversation on Bitcoin, fiat debasement, and the future of Mexico. Plus, insights into U.S.–Mexico remittances and his potential 2030 run for presidency. - Timecodes: 00:00 Ricardo Salinas Joins CoinDesk 00:50 Money Talk at the Family Table 02:11 Discovering Bitcoin in 2013 03:52 Does Bitcoin Beat Gold and Silver? 06:11 Stablecoins Are the Same as Bank Deposits 07:37 The Gold Bugs in the Salinas Family 11:17 No AI Bubble: Why Salinas Stays Out 12:54 The MicroStrategy STRC Recommendation 15:02 Inside the $500M Weekly Remittance Business 21:12 Mexico's 'Violent' Anti-Crypto Stance 24:53 The Mexican Government's Narco Problem 27:32 Salinas's 2030 Presidential Run? 30:21 The Anchorage Digital Stablecoin Partnership 34:46 Salinas's Bitcoin Price Outlook 40:19 Why Salinas Advised His Wife to Mortgage her Home for Bitcoin 41:55 A Message to Mexico

Watch Us On YouTube! Announcing a new, ongoing benefit for annual subscribers of our Slack community. Annual subscribers receive a free Points Path Alerts subscription OR a 30% discount on Points Path Pro. Is the golden age of points and miles ending—or is it simply evolving? This week, Ed is joined by Summer Hull and Julian Kheel to break down Chase's controversial decision to reduce Hyatt transfer ratios for Sapphire Preferred cardholders while maintaining the existing ratio for Sapphire Reserve members. The discussion goes beyond the headline change and explores what it means for the future of transferable points, premium credit cards, and loyalty programs. Is this a one-off adjustment, or the start of a broader trend where transfer ratios vary depending on which card you carry? The team also revisits Bilt 2.0 several months after launch, discussing which features have worked better in practice than they initially expected and how members are adapting to the new ecosystem. Finally, they tackle a question that has been debated for more than a decade: Are we witnessing the end of the golden era of points and miles, or just another chapter in its evolution? Get hydrated like Ed in Vegas with Nuun Use my Bilt Rewards link to sign-up and support the show! If you enjoy the podcast, I hope you'll take a moment to leave us a rating. That helps us grow our audience! If you're looking for a way to support the show, we'd love to have you join us in our Travel Slack Community.  Join me and other travel experts for informative conversations about the travel world, the best ways to use your miles and points, Zoom happy hours and exciting giveaways. Monthly access Annual access Personal consultation plus annual access We have witty, funny, sarcastic discussions about travel, for members only. My fellow travel experts are available to answer your questions and we host video chats multiple times per month. Follow Us! Instagram: https://www.instagram.com/milestogopodcast/ TikTok: https://www.tiktok.com/@milestogopodcast Ed Pizza: https://www.instagram.com/pizzainmotion/ Richard Kerr: https://www.instagram.com/kerrpoints/ ✈️  What We Cover in This Episode ✈️ Chase changes Hyatt transfer ratios • Sapphire Preferred vs Sapphire Reserve differences • Why the change matters beyond Hyatt • Who is most affected by the new structure ✈️ Is Chase or Hyatt driving the change? • Theories behind the new transfer ratio • What Bilt may tell us in the future • Why everyone is watching closely ✈️ The future of transferable points • Could other partners see different transfer ratios? • Premium card differentiation • Why simplicity may be disappearing ✈️ Is the Sapphire Preferred still worth it? • Who benefits most from the changes • Annual fee considerations • Comparing Preferred and Reserve value ✈️ Bilt 2.0 several months later • Features that proved easier than expected • Mortgage and rent payment experiences • Real-world use of Bilt Cash ✈️ Managing Bilt Cash balances • Rollover limitations • End-of-year planning strategies • Potential redemption opportunities ✈️ Points Path updates • New flexible alerts coming soon • Award repricing opportunities • Benefits available to Slack members ✈️ Is the golden age of points and miles over? • Why this debate never goes away • How loyalty programs continue evolving • Where travelers can still find value   ⏱️ Episode 441 Timestamps  ⏱️ Episode 441 Timestamps 4:02 – Chase changes Hyatt transfer ratios 7:15 – Who wins and loses from the Sapphire Preferred changes? 10:09 – Is Chase or Hyatt responsible for the new transfer ratio? 16:08 – Are hotel transfers still worth it? 20:50 – Will more transfer partners be affected next? 25:00 – Bilt 2.0: what works better than expected? 29:52 – Planning around Bilt Cash expiration rules 31:27 – Points Path updates and new flexible alerts 33:37 – Is the golden age of points and miles ending? 35:48 – Why premium credit cards keep getting more expensive              

Bruce Marks Breaks Down NACA Mortgages, Homeownership & Solving the Housing Crisis + More See omnystudio.com/listener for privacy information.

This is a preview of a bonus episode from the Patreon feed, TIYA After Dark! Head to patreon.com/thisisyourafterlife to hear this full episode and all the others for just $5 a month.This solo episode was an experiment. Of the things that have occupied my thoughts recently, I picked two, made one a starting point and the other an endpoint, and improvised my way from A to B. I'm pretty happy with it! As always, I'd love to know what you think.I talk about: no one actually understands AI, harm reduction, bubbles bursting, property over people, inane job interviews, reckoning with Tarkovsky, echo chambers, losing dreams, news flash: unemployment is hard and sad.Support the show and get the TIYA After Dark feed on Patreon:https://www.patreon.com/thisisyourafterlifeDr. Fatima: How to (Anti) AI Better:https://www.youtube.com/watch?v=y85nqc2zm7MAnthopic, OpenAI Should Not Be Allowed to IPO, Says Ed Zitron:https://www.youtube.com/watch?v=zbKDmkJPVvIFracTracker's U.S. Data Centers Tracker:https://experience.arcgis.com/experience/5a4d072ad01449bba5698a80103fb909/page/MapStop Bad Data Centers:https://datacenters.halttheharm.net/Food & Water WatchNo More New Data Centers!:https://www.foodandwaterwatch.org/2025/11/06/no-more-new-data-centers/How to Stop a Data Center Near You:https://www.foodandwaterwatch.org/2026/03/05/how-to-stop-a-data-center-near-you/Stop Data Centers Now! Campaign Toolkit:https://www.foodandwaterwatch.org/wp-content/uploads/2026/03/FOR-WEB-Toolkit_-Stop-the-Data-Center-Buildout-2.pdfFollow/contact This Is Your Afterlife:https://thisisyourafterlife.com/https://www.instagram.com/thisisyourafterlife/thisisyourafterlifepodcast@gmail.comMusic by TIYA house band Lake Mary:https://lakemary.bandcamp.com/https://www.instagram.com/chaz.prymek/Artwork by Matt Sage:https://www.instagram.com/matthewjsage/

It's Fed Day, and the real estate industry is fighting for control. In Episode 365 of This Week in Real Estate, we're going live on one of the biggest housing market days of the month: the Federal Reserve's latest rate announcement. Mortgage rates, buyer demand, affordability, home prices, and market confidence are all tied to what the Fed says next, and we'll be watching the announcement as it hits near the end of the show. But the Fed is only one part of the story. This week, we're breaking down a wild set of real estate headlines that all point back to one major question: who controls the housing market now? We'll cover the growing tension inside NAR, Inman's new advisory council featuring leaders from Zillow, Compass, and HomeServices, the latest twist in the Zillow, Compass, MRED, and CoStar legal fight, and why eXp says the off-MLS listing debate keeps leaving out the buyer. We'll also dig into Google's nationwide real estate listing rollout and what it could mean for agents, brokerages, portals, and listing visibility. If Google becomes a bigger home search destination, what happens to Zillow, Realtor.com, Homes.com, MLSs, and the broader real estate portal ecosystem? Plus, Bed Bath & Beyond is acquiring Fathom Holdings in a $53.8 million deal, and we're looking at the SEC filing tied to the REAL and ReMax transaction. Was the mysterious "Party C" possibly eXp? We'll talk through what the filing says, what it does not say, and why brokerage consolidation may be one of the most important trends agents are underestimating. Then we'll shift to the housing market itself. Record home prices, elevated mortgage rates, weaker purchase demand, rising contract cancellations in former hot seller's markets, and new signs that buyers may be reemerging. Is this finally a housing market turning point, or are affordability issues still keeping buyers stuck on the sidelines? Join Ray Ellen for tWiRE Episode 365 as we unpack the biggest real estate news, housing market trends, mortgage rate updates, private listing battles, portal wars, brokerage consolidation, and the Fed's latest interest rate decision. What do you think matters most for the housing market right now: the Fed, mortgage rates, Google entering listings, Zillow's off-MLS fight, or buyers pulling back? Drop your take in the live chat or comments. Subscribe for sharp, no-fluff real estate news and housing market analysis every week. #HousingMarket #MortgageRates #RealEstateNews

Great sales conversations start with understanding people.In this episode, Ace shares the three questions he uses to uncover a client's emotional goals, pain points, and pleasure points. These questions help create stronger relationships, better conversations, and a deeper understanding of what truly motivates someone to take action.You'll learn how to ask better questions, identify what matters most to your clients, and create more meaningful interactions that lead to long-term success in sales.Want the exact 3 questions Ace uses? Download the free PDF and keep it next to your desk for every client conversation. Download here: https://acezacademy.com/three-magic-questions/Support the show⚡READY TO BUILD A REAL CAREER IN SALES, MORTGAGES, OR LEADERSHIP?Apply here and choose your track. Already happy with your career? Grab the standalone products and trainings anytime inside the shop.

Special Guest: Jason Levi#howimetyourmortgage​ #justthetipscoaching​ #justthetips​ #salescoachingdenver​ #salescoaching​ #realestate​ #mortgage​ #sales​ #salestips​ #businesstips​ #tunein​ #podcast​ #videocast​ #applepodcast​ #spotifypodcast

A mortgage calculator can show numbers, but it cannot tell you whether homeownership is truly possible for your life, goals, and budget.First-time buyers often use mortgage calculators as if they are financial advisors, but those tools only answer a tiny part of the homebuying question. This episode explains why online calculators miss key factors like credit strategy, debt-to-income ratio, down payment assistance, grants, lender credits, local programs, and long-term goals. Buyers learn why comparing rent directly to a mortgage payment can create fear instead of clarity. The real takeaway is to use calculators for education, but build a full homebuying plan with a team that can show your actual starting point. “You shouldn't be told if you can start. You should be told where to start.”– David Sidoni, First Time Homebuyer Coach HighlightsWhat if your mortgage calculator is missing programs that could lower your cash needed to buy?What if the payment you saw online is not your real affordability picture?What if your debt, credit, job history, or student loans are not the roadblocks you think they are?What if the better question is not “Can I buy?” but “Where should I start?”Referenced EpisodesEpisode 443 – First Time Homebuyer FAQ: What Can I Actually Afford in 2026?Episode 460 – Rent vs Buy in 2026: Are First Time Homebuyers Crazy?Episode 480 – How to Buy a Home Explained in Under 20 Minutes (First Time Home Buyers)Check out our updated 2026 First Time Homebuyer's Episode Guide - Over 100 of our BEST Episodes of Detailed Homebuying Knowledge, Interviews, and MORE! Connect with me to find a trusted realtor in your area or to answer your burning questions!Subscribe to our YouTube Channel @HowToBuyaHomeInstagram @HowtoBuyAHomePodcastTik Tok @HowToBuyAHomeVisit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit!David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer. Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!