Podcasts about mortgage interest rates

ome sales in Vancouver just hit their lowest point in six years, marking yet another painful milestone in what's quickly becoming one of the most uncertain and volatile real estate markets in decades. And if you're wondering why this is happening, just look at the bigger picture—consumer confidence in Canada just hit an all-time low. That's right—lower than the depths of the Great Financial Crisis, and worse than the early pandemic panic. Business confidence is in the same horrific state, and these weren't even recorded after Trump's tariffs took effect. With those now in place, pressure is mounting on the Bank of Canada as it faces a nightmarish economic puzzle: GDP is rising, inflation is expected to heat back up, the housing market is crumbling, and record levels of debt are coming due for renewal. Meanwhile, the March real estate data for Vancouver has just dropped, and we're breaking down all the key metrics—from collapsing sales volumes to rising inventory to surprisingly resilient home prices—and analyzing what all this means for home values for the spring 2025 market.Let's talk inflation. March came in hot at 2.6%, a big jump from the previous month's 1.9%, and far above expectations. Mortgage interest costs have fallen again for the 18th straight month, but inflation is now at a seven-month high, forcing the Bank of Canada into a tightening corner. And behind the scenes, 45% of businesses expect to raise prices more than 5% this year—double what it was just six months ago. While tariffs may warrant easing, inflation is pushing back hard, and markets no longer expect a rate cut in April. Meanwhile, GDP rose again—up 0.4% in January after a 0.3% climb in December—led by energy and mining. While the headline looks positive, remember: per capita GDP has been in decline for over two years. The BOC may take these numbers at face value, but it's a fragile recovery at best.South of the border, the U.S. Fed held its rate at 4.5% last month, with possible cuts later this year. But Powell made it clear: if inflation stays sticky, high rates could persist. Their GDP forecast was revised down and inflation up. The takeaway? If the Fed cuts, Canada could follow—especially as our economic risks grow and global trade uncertainty lingers. In the mortgage world, renewals are surging—up 110% year-over-year—and projections vary widely. BMO sees rates at 2% by end of 2026, while Scotia sees no cuts until 2027. The big banks don't agree, but they're all aligned on one thing: no hikes are coming. That's welcome news for those riding variable rates or planning their next move.New housing supply is in freefall. National housing starts dropped 4% month-over-month and 12% year-over-year, but BC is the epicenter of the downturn: starts plunged 22% just last month and are down 32% from last year. In Vancouver alone, they're off by 18%. This comes at a time when building permits are at rock bottom—meaning even fewer homes will be built in the years to come. While inventory is high now, the longer-term risk is a devastating shortage. Just look at the national data going back to 1972: while population growth has doubled, housing completions have actually declined. CMHC now estimates we'll be short 3.5 million homes by 2030. Add affordability and suitability issues, and we're heading toward a full-blown housing crisis. _________________________________ Contact Us To Book Your Private Consultation:

In this episode, I'm joined by mindset coach and investor Manmeet Chowdhry as we dive into the psychological hurdles of taking risks. We explore powerful topics like the fear of loss, fear of change, and how your lifestyle choices, values, and priorities can profoundly shape your investment decisions. Manmeet Chowdhry is a Performance Expert dedicated to helping people overcome personal and professional challenges to unlock their full potential. Connect with Manmeet:www.optimumperformancesolutions.com Instagram: https://www.instagram.com/manmeet_chowdhry/Facebook: https://www.facebook.com/OptimumPerformanceSolutionsInt/LinkedIn: https://www.linkedin.com/in/manmeetkaurchowdhry/ Enjoy the show?Don't forget to subscribe and leave a review as it will help us reach more people.  Got a question you want Shiv to answer?Email it along with your name to info@lifestylepp.co.uk Connect With UsWe specialise in helping people create profitable and hands-free property portfolios. We make the process of investing in property simple with our fully managed, end-to-end investing service where we help you source, purchase, refurbish, rent and manage buy-to-let properties in the North of England.If you want to invest in property but don't have the time or knowledge to do it yourself, our team can help. Visit our website www.lifestylepropertypeople.co.uk to find out more.Follow us on social media for more investing tips ⬇️Instagramhttps://www.instagram.com/lifestylepropertypeople/Facebookhttps://www.facebook.com/lifestylepropertypeopleuk/  

How do you make smarter financial decisions while managing risk? In the final episode of this 4-part mini-series, Shiv sits down with Krish Kara of Kara Digital, to share practical strategies for balancing investment risks and rewards.From taking calculated risks to mastering dollar cost averaging, they offer actionable tips to help you grow your wealth.They also use clever analogies to visualise and break down more complex investment strategies, making it easy to follow for both new and experienced investors.Listen to the final episode now! Enjoy the show?Don't forget to subscribe and leave a review as it will help us reach more people.  Got a question you want Shiv to answer?Email it along with your name to info@lifestylepp.co.uk Connect With UsWe specialise in helping people create profitable and hands-free property portfolios. We make the process of investing in property simple with our fully managed, end-to-end investing service where we help you source, purchase, refurbish, rent and manage buy-to-let properties in the North of England.If you want to invest in property but don't have the time or knowledge to do it yourself, our team can help. Visit our website www.lifestylepropertypeople.co.uk to find out more.Follow us on social media for more investing tips ⬇️Instagramhttps://www.instagram.com/lifestylepropertypeople/Facebookhttps://www.facebook.com/lifestylepropertypeopleuk/ Connect With KrishKrish Kara is a finance and investing content creator and the founder of Kara Digital, a marketing agency specialising in social media marketing. With a passion for making financial concepts accessible, Krish helps brands and individuals navigate the digital landscape to grow their presence and impact.Email Krish at krish@karadigital.co.ukCheck out Kara Digital at karadigital.co.ukFollow Krish for more financial content ⬇️Instagramhttps://www.instagram.com/karadigitalagency/Tiktokhttps://www.tiktok.com/@krishnan.kara

What does it take to create a life you truly love? In the third episode of this four-part mini-series, Shiv is joined by investor and entrepreneur Krish Kara of Kara Digital to explore the habits, mindset shifts, and priorities that shape a fulfilling life.They'll dive into the power of self-investment, the art of balance, and what it really means to build a lasting legacy. This thought-provoking conversation is packed with practical insights and inspiration - don't miss it! Enjoy the show?Don't forget to subscribe and leave a review as it will help us reach more people.  Got a question you want Shiv to answer?Email it along with your name to info@lifestylepp.co.uk Connect With UsWe specialise in helping people create profitable and hands-free property portfolios. We make the process of investing in property simple with our fully managed, end-to-end investing service where we help you source, purchase, refurbish, rent and manage buy-to-let properties in the North of England.If you want to invest in property but don't have the time or knowledge to do it yourself, our team can help. Visit our website www.lifestylepropertypeople.co.uk to find out more.Follow us on social media for more investing tips ⬇️Instagramhttps://www.instagram.com/lifestylepropertypeople/Facebookhttps://www.facebook.com/lifestylepropertypeopleuk/ Connect With KrishKrish Kara is a finance and investing content creator and the founder of Kara Digital, a marketing agency specialising in social media marketing. With a passion for making financial concepts accessible, Krish helps brands and individuals navigate the digital landscape to grow their presence and impact.Email Krish at krish@karadigital.co.ukCheck out Kara Digital at karadigital.co.ukFollow Krish for more financial content ⬇️Instagramhttps://www.instagram.com/karadigitalagency/Tiktokhttps://www.tiktok.com/@krishnan.kara

Get ready for an insightful deep dive into smart investing strategies that will sharpen your skills and make you a more confident investor by the time you finish this podcast.This episode is Part 2 of a four-part series, featuring host Shiv alongside investor and entrepreneur Krish Kara of Kara Digital.Together, they'll explore various asset classes - both physical and digital - the power of early investing, and practical strategies to grow your wealth. You won't want to miss this one! Enjoy the show?Don't forget to subscribe and leave a review as it will help us reach more people.  Got a question you want Shiv to answer?Email it along with your name to info@lifestylepp.co.uk Connect With UsWe specialise in helping people create profitable and hands-free property portfolios. We make the process of investing in property simple with our fully managed, end-to-end investing service where we help you source, purchase, refurbish, rent and manage buy-to-let properties in the North of England.If you want to invest in property but don't have the time or knowledge to do it yourself, our team can help. Visit our website www.lifestylepropertypeople.co.uk to find out more.Follow us on social media for more investing tips ⬇️Instagramhttps://www.instagram.com/lifestylepropertypeople/Facebookhttps://www.facebook.com/lifestylepropertypeopleuk/ Connect With KrishKrish Kara is a finance and investing content creator and the founder of Kara Digital, a marketing agency specialising in social media marketing. With a passion for making financial concepts accessible, Krish helps brands and individuals navigate the digital landscape to grow their presence and impact.Email Krish at krish@karadigital.co.ukCheck out Kara Digital at karadigital.co.ukFollow Krish for more financial content ⬇️Instagramhttps://www.instagram.com/karadigitalagency/Tiktokhttps://www.tiktok.com/@krishnan.kara

Mortgage interest rates are dropping fast, and the market is shifting. The 10-year yield just fell from 4.80% to 4.28%, signaling major changes ahead. Economic slowdown fears, stock market declines, and consumer pessimism are shaping what happens as we move forward in the 2025 housing market.===========================================✅ Ready to find the right loan? Start your stress-free journey today: http://www.theeducatedhomebuyer.com/start⏩ - Let us contact you as rates drop- http://www.theeducatedhomebuyer.com/ratewatch

What does it take to achieve financial freedom and build lasting wealth? Find out in this brand-new 4-part mini-series, where Shiv sits down with investor and entrepreneur Krish Kara of Kara Digital. Together, they explore a wide range of investing topics, featuring real case studies and actionable plans you can follow.In this first episode, they uncover what financial freedom truly means, the importance of motivation, teaching financial literacy to your children, and how to balance active and passive income streams. Enjoy the show?Don't forget to subscribe and leave a review as it will help us reach more people.  Got a question you want Shiv to answer?Email it along with your name to info@lifestylepp.co.uk Connect With UsWe specialise in helping people create profitable and hands-free property portfolios. We make the process of investing in property simple with our fully managed, end-to-end investing service where we help you source, purchase, refurbish, rent and manage buy-to-let properties in the North of England.If you want to invest in property but don't have the time or knowledge to do it yourself, our team can help. Visit our website www.lifestylepropertypeople.co.uk to find out more.Follow us on social media for more investing tips ⬇️Instagramhttps://www.instagram.com/lifestylepropertypeople/Facebookhttps://www.facebook.com/lifestylepropertypeopleuk/ Connect With KrishKrish Kara is a finance and investing content creator and the founder of Kara Digital, a marketing agency specialising in social media marketing. With a passion for making financial concepts accessible, Krish helps brands and individuals navigate the digital landscape to grow their presence and impact.Email Krish at krish@karadigital.co.ukCheck out Kara Digital at karadigital.co.ukFollow Krish for more financial content ⬇️Instagramhttps://www.instagram.com/karadigitalagency/Tiktokhttps://www.tiktok.com/@krishnan.kara

In this client success story, we sit down with Sanskriti and Akshat, a couple who transformed their approach to wealth building by investing in property through Lifestyle Property People.Hear how our end-to-end service helped them transition into an investor mindset, shifting from chasing money to creating it. Their investment journey is now focused on building a sustainable income stream for retirement and leaving a legacy for future generations.They share their experience of working with our approachable and knowledgeable team, who guided them through every step of the process, from sourcing the perfect property to navigating the legal complexities and managing the refurbishment.If you want to learn how to create financial freedom through property and understand how we can help, this podcast is for you! Enjoy the show?Don't forget to subscribe and leave a review as it will help us reach more people.  Got a question you want Shiv to answer?Email it along with your name to info@lifestylepp.co.uk Connect With UsWe specialise in helping people create profitable and hands-free property portfolios. We make the process of investing in property simple with our fully managed, end-to-end investing service where we help you source, purchase, refurbish, rent and manage buy-to-let properties in the North of England.If you want to invest in property but don't have the time or knowledge to do it yourself, our team can help. Visit our website www.lifestylepropertypeople.co.uk to find out more.Follow us on social media for more investing tips ⬇️Instagramhttps://www.instagram.com/lifestylepropertypeople/Facebookhttps://www.facebook.com/lifestylepropertypeopleuk/

Trump is making headlines by demanding lower mortgage rates, but will it actually happen? In this video, we break down what he said, how much influence he really has over interest rates, and what it means for homebuyers in 2024. The Federal Reserve controls rates based on inflation and economic data, not political pressure, but market psychology plays a role. Whether rates drop or not, waiting to buy a home could backfire—here's what you need to know to make a smart move.===========================================✅ Ready to find the right loan? Start your stress-free journey today: http://www.theeducatedhomebuyer.com/start⏩ - Let us contact you as rates drop- http://www.theeducatedhomebuyer.com/ratewatch

The future of the housing market largely depends on mortgage rates which at the moment seem to be getting worse. While the market is expecting lower rates in 2025, the reality is that rates are likely to keep going higher before they move lower. Today, we're breaking down exactly how rates will reshape housing in 2025 and what you need to do NOW to be ready. =========================================== ✅ - Connect Directly With Our Mortgage & Real Estate Team - http://www.theeducatedhomebuyer.com/expert ⏩ - Let us contact you as rates drop- http://www.theeducatedhomebuyer.com/ratewatch

2025 could be a make or break year for the housing market. Interest Rates will have the BIGGEST impact on the direction of the housing market. While experts predict mortgage rates will drop, the range of possibilities could mean the difference between your dream home being affordable or completely out of reach. Today, we're breaking down exactly how rates will reshape housing in 2025 and what you need to do NOW to be ready. =========================================== ✅ - Connect Directly With Our Mortgage & Real Estate Team - http://www.theeducatedhomebuyer.com/expert ⏩ - Let us contact you as rates drop- http://www.theeducatedhomebuyer.com/ratewatch

We’ve all heard it. Predictions are that mortgage interest rates are going down. Buthow far down? Our expert Realtors at Berkshire Hathaway HomeServices PremierProperties have looked at all the recent date on interest rates. Pat Karley and BryanBuhr say don’t look for any big drops in rates. Stability is the byword now.See omnystudio.com/listener for privacy information.

Why aren't mortgage rates dropping alongside interest rates? Last month, the Federal Reserve lowered interest rates, but mortgage rates actually went up. One key reason is that mortgage rates aren't directly tied to those set by the Federal Reserve. Today, we're taking a closer look at this and exploring why mortgage rates often move independently of the Fed's rate changes. Episodes Mentioned: Ep. 475 Subscribe to the FREE Popcorn Finance Newsletter - PopcornFinance.com/Newsletter Want to submit a question to the show? Send an email to questions@popcornfinance.com  Send me a message at PopcornFinance.com/Voicemail  Call 707-200-8259 Connect with me Instagram | Twitter | Facebook | YouTube | TikTok  Thank you for listening to today's episode! Help support the show by leaving Popcorn Finance a rating or review on Apple or Spotify! Learn more about your ad choices. Visit megaphone.fm/adchoices

What is the current state of affairs and what will be the impact in regards to mortgages and interest rates post-election? Join us on Women Lead Radio as John Burroughs, your host of Your Financial Fitness, has a conversation with Michelle Bergquist, Co-Founder and CEO of Connected Women of Influence (www.connectedwomenofinfluence.com), on the future state of interest rates and mortgages going forward since the election.    Sponsor Appreciation! Thank you to our partner and show sponsor, Microsoft (www.microsoft.com)!   Interested in Learning More About Connected Women of Influence? Click Here (https://connectedwomenofinfluence.com/attend-an-event-as-our-guest/) to Be Invited as Our Special VIP & Guest to a Future Event!   Interested in Becoming a Member of Our Professional Community!? Click Here (https://connectedwomenofinfluence.com/membership-application/) to Apply for Membership!

Interest Rates Are Likely to Stay Higher for Longer due to Persistent inflation, robust job markets, and economic resilience allowing the Fed to cut rates at a slower pace. In this video, we discuss all of the factors affecting mortgage rates and what you should expect going forward. =========================================== ✅ - Connect Directly With Our Mortgage & Real Estate Team - http://www.theeducatedhomebuyer.com/expert ⏩ - Let us contact you as rates drop- http://www.theeducatedhomebuyer.com/ratewatch

The fear of a red wave has the bond hitting the highest levels we've seen in months with interest rates following right behind. Could we see 8% mortgage rates again? In this episode we dive into the current housing market while updating you on the economy and mortgage rates to help you stay infored as a buyer or seller in this real estate market. =========================================== ✅ - Connect Directly With Our Team - http://www.theeducatedhomebuyer.com/expert ➡️Let Us Contact You When Rates Move Lower - http://www.theeducatedhomebuyer.com/ratewatch

In this week's episode of The Buy to Let Property Podcast, Shiv is back to offer his advice to two listeners.A common concern for property investors is whether they actually have the time to set up their investment while balancing a full-time job, family commitments, and everything else life throws at them. Today, Himal is wondering: How much time do I need to dedicate to get my property investment up & running and can I do it alongside my job?The second question in today's episode comes from Sam who is concerned about choosing the wrong location to buy a property in. He wants to know what makes a good buy-to-let investment location and how much money will he need to get started.  Enjoy the show?Don't forget to subscribe and leave a review as it will help us reach more people.  Got a question you want Shiv to answer?Email it along with your name to info@lifestylepp.co.uk Connect With UsWe specialise in helping people create profitable and hands-free property portfolios. We make the process of investing in property simple with our fully managed, end-to-end investing service where we help you source, purchase, refurbish, rent and manage buy-to-let properties in the North of England.If you want to invest in property but don't have the time or knowledge to do it yourself, our team can help. Visit our website www.lifestylepropertypeople.co.uk to find out more.Follow us on social media for more investing tips ⬇️Instagramhttps://www.instagram.com/lifestylepropertypeople/Facebookhttps://www.facebook.com/lifestylepropertypeopleuk/

Right About Now with Ryan AlfordJoin media personality and marketing expert Ryan Alford as he dives into dynamic conversations with top entrepreneurs, marketers, and influencers. "Right About Now" brings you actionable insights on business, marketing, and personal branding, helping you stay ahead in today's fast-paced digital world. Whether it's exploring how character and charisma can make millions or unveiling the strategies behind viral success, Ryan delivers a fresh perspective with every episode. Perfect for anyone looking to elevate their business game and unlock their full potential.Resources:Right About Now NewsletterFree Podcast Monetization CourseJoin The NetworkFollow Us On InstagramSubscribe To Our Youtube ChannelVibe Science MediaSUMMARYIn this episode of the "Right About Now" podcast, Ryan Stewman, CEO and founder of Apex, delivers a gripping account of his life journey—from being adopted and selling drugs to serving time in prison. He highlights how he overcame immense adversity to break free from societal expectations of mediocrity, pushing himself toward success. Stewman critiques modern parenting and the education system, arguing that the over-reliance on technology and the normalization of participation trophies have eroded common sense. He also delves into the current economic challenges, touching on inflation, rising costs, and government policies, while offering insight into the future of politics. Throughout the episode, Stewman underscores the importance of resilience, personal accountability, and the relentless pursuit of excellence, both in life and business.TAKEAWAYSPersonal journey of overcoming adversity and challenges faced by Ryan Stewman.The impact of parenting and education on societal values and accountability.Critique of the educational system and its effects on work ethic and achievement.Discussion on the current economic climate and its challenges for families and businesses.Analysis of government policies and their implications for entrepreneurship and economic growth.Examination of rising costs of living, including health insurance and taxes.Concerns about the Federal Reserve's actions and their potential impact on the economy.Insights on the political landscape and upcoming elections, including leadership implications.The importance of resilience, hard work, and striving for greatness in personal and professional life.Reflection on the need for transparency and accountability in economic reporting and statistics. If you enjoyed this episode and want to learn more, join Ryan's newsletter https://ryanalford.com/newsletter/ to get Ferrari level advice daily for FREE. Learn how to build a 7 figure business from your personal brand by signing up for a FREE introduction to personal branding https://ryanalford.com/personalbranding. Learn more by visiting our website at www.ryanisright.comSubscribe to our YouTube channel www.youtube.com/@RightAboutNowwithRyanAlford.

Interest Rates Just Shot Up Over .5% after hitting the lowest levels we've seen in 2 years. Have you missed the boat on low mortgage rates? In this video, we discuss interest rates and why they could end up staying higher for longer. ✅ - Get connected with us or to a local expert in your market, http://www.theeducatedhomebuyer.com/expert

Segment 1: Ilyce Glink, owner of Think Glink Media and Best Money Moves, joins John to talk about the latest on a bill to fund the government, the difference between a conforming loan and a nonconforming loan, the number of housing units authorized to start construction stagnating, and what the Fed cutting interest rates will mean for you. Segment 2: Jim […]

This week has been monumental for Vancouver's real estate market, with several key factors influencing housing and the broader economic landscape. Inflation has officially hit 2%, marking a significant milestone for the Bank of Canada (BOC) as it reaches its target for the first time in nearly four years. While the broader inflation rate stands at 2%, if the mortgage interest component is excluded, inflation would be just 0.9%, signaling a rapid decline in core inflation metrics. However, rental inflation remains elevated at 8.6%, though this is expected to decrease in the coming months as rent prices have been falling for about a year, potentially pushing inflation even lower. As a result, markets are now pricing in rate cuts at every BOC meeting until at least the summer of 2025, with an estimated 1.75 basis points reduction by July 2025. The five-year bond, crucial for mortgage rates, is now trending downward at 2.7%, the lowest in over two years.On Wednesday, the U.S. Federal Reserve made a notable move by cutting its benchmark interest rate by half a percentage point, the first such reduction in over four years. This marks a shift from controlling inflation to supporting a slowing labor market. The Fed's decision to lower rates from 5.3% to 4.8% signals a major adjustment as inflation in the U.S. has fallen from a peak of 9.1% in mid-2022 to 2.5% in August, aligning closely with the Fed's 2% target. Policymakers have indicated further cuts this year, with more anticipated in 2025 and 2026. Adding to the shake-up, the federal government of Canada announced that it will increase the price cap for insured mortgages from $1 million to $1.5 million, a surprise to both the industry and policymakers. While many in the real estate sector championed the change, it's important to examine who this adjustment really benefits. Although extending the amortization period to 30 years from 25 years helps reduce monthly payments by about 9%, it also increases the long-term interest paid by homebuyers, with an additional $80,000 paid over the life of a mortgage. More critically, this move likely pushes the price band of homes in this range up by 9%, doing little to address affordability. Historically, the CMHC was designed to help veterans and lower-income buyers, but this increase will likely push prices higher, benefiting banks and investors more than first-time homebuyers. With the minimum down payment on a $1.5 million home being $125,000, this policy change seems to cater more to affluent buyers, as only 15% of Canadian households could qualify for such a mortgage. Despite these hurdles, this adjustment will create more demand in the $1 million to $1.5 million price band, potentially driving prices higher, which contradicts the notion of increasing affordability.This week's developments reflect the complex and often contradictory forces shaping the Vancouver real estate market. Inflation is cooling, but rate cuts are on the horizon, and new policies, like the increase in the insured mortgage cap, seem to be helping banks more than first-time homebuyers. Housing starts are down, and developers are grappling with higher fees, all while household debt continues to climb. The fall real estate market in Vancouver appears to be on shaky ground, and without significant changes to housing policy or economic conditions, the outlook remains uncertain. _________________________________ Contact Us To Book Your Private Consultation:

Interested in joining the REI Masters Mentorship Program? Head to www.reimasters.ca Or email us at info@reimasters.ca   Got a question you'd like answered on the show? Email us at info@reimorningshow.com   Hosts: Wayne and Gabby Hillier Edmonton Alberta Real Estate Investors Coaches at the Real Estate Investing Masters Mentorship Program   REIcon Investor Conference! September 21-22 in Edmonton Join Canada's top real estate investors at REIcon 2024, Edmonton's biggest real estate investing event of the year, on September 21-22. Learn from industry leaders, network with fellow investors, and take your investing strategy to the next level. Visit reiconference.ca for details and to secure your spot. Here's a Discount Code from your hosts! See you there! Code: REIMASTERS10

Housing Affordability is continuing to improve as mortgage interest rates grind lower. Should you BUY NOW or WAIT for Lower Mortgage Rates? In this live episode, we are going to discuss the latest regarding inflation, the Federal Reserve, as well the latest employment and economic data while helping you understand how that affects you as a buyer or seller in the 2024 housing market ✅ - Get connected with us or to a local expert in your market, http://www.theeducatedhomebuyer.com/expert

Even with falling interest rates in recent weeks, mortgage rates are still higher than you'd expect. Mortgage interest rates are usually a little less than two percentage points higher than what you would get on a 10-year Treasury bond. But for the last couple of years that difference has been noticeably higher: 2.6% at the moment. New borrowers have been paying potentially thousands of dollars extra each year on their mortgages. Today on the show, how mortgage interest rates work and why they're currently out of whack ... with new borrowers footing the bill. Related Episodes: Are both rents AND interest rates too dang high? How mortgage rates get made The rat under the Fed's hat AP Macro gets a makeover For sponsor-free episodes of The Indicator from Planet Money, subscribe to Planet Money+ via Apple Podcasts or at plus.npr.org. Music by Drop Electric. Find us: TikTok, Instagram, Facebook, Newsletter. Learn more about sponsor message choices: podcastchoices.com/adchoicesNPR Privacy Policy

We all have experienced a pretty rapid run-up in mortgage rates since 2020-2021. Of course, no one knows where the top (or bottom) will be moving forward. But at least over recent history, rates have dropped a good amount to the point where there are mortgage opportunities for many to explore. On today's episode, we'll discuss the decision-making process of refinancing and get into other forms of equity lines of credit that can be appealing even for those with low-interest rate primary mortgages.

Mortgage Interest Rates have dropped over .75% in just over a month and likely to continue lower. In this video, we dive into why interest rates are expected to continue moving lower, despite recent highs. We explore the Federal Reserve's dual mandate and how their focus on price stability and full employment plays a crucial role in their decision-making. We analyze recent economic indicators, including inflation trends, job creation, and unemployment rates, to understand the factors influencing the Fed's actions. With insights from the bond market and current market expectations, we'll discuss the potential impact on house prices and what this means for homebuyers. Get ready for an in-depth look at the future of interest rates and the housing market! ✅ - Get connected with us or to a local expert in your market, http://www.theeducatedhomebuyer.com/expert

Tired of waiting for the "perfect" time to buy your first home? Good news, homie! The best time to start your homeownership journey is now. Tune in as I debunk the market timing myth and show you how to navigate today's housing market with confidence.Highlights:"Everything else – inflation, high rates, home affordability, the Fed rate – is window dressing." Are you focusing on the wrong factors?"The true best play for any first-time homebuyer is to get your plan together ASAP...faster will always be more affordable in this market." What's holding you back?"Don't hate the game. Learn the rules of the game. Your best rent replacement strategy is to get in as soon as you can." Ready to make a move?"We're talking about rates, prices, and down payments. There are creative ways to make those affordable so you can get in and start building your wealth." What options are out there for you?"70% of the people that reach out to us think they're not ready and end up buying a home in less than six months." Could this be you?General Overview:In this episode, David Sidoni demystifies the housing market and empowers first-time homebuyers to take action. He tackles the low inventory issue head-on, reveals why timing the market is a losing strategy, and highlights the importance of professional guidance and creative solutions. If you're ready to stop waiting and start planning your path to homeownership, this episode is for you!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 @HowToBuyAHomeThis podcast was created for YOU - to cut through the confusion and empower you to buy your first home. Let's change how the real estate industry treats first-timers, one buyer at a time- starting with YOU!Visit 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 over 18 years 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!"Last Lease Ever" - Start your custom 12-month action plan to buy your first home and replace your rent with the savings of home equity. Message David NOW to assemble YOUR Unicorn team ASAP!

Will the Housing Market become more affordable with lower interest rates or will house prices continue to rise? Should you BUY NOW or WAIT for Lower House Prices? Will we continue to see house prices set record highs or will we see the Housing Market slow down as housing affordability remains a problem? Will it be easier as a first time home buyer? In this live episode, we are going to discuss the latest regarding inflation, the Federal Reserve, as well the latest employment and economic data while helping you understand how that affects you as a buyer or seller in the 2024 housing market ✅ - Get connected with us or to a local expert in your market, http://www.theeducatedhomebuyer.com/expert

In June, inflation unexpectedly dropped from 2.9% to 2.7%, surpassing expectations of 2.8%. Despite this decrease, the shelter cost index remains a significant driver of inflation, with a current increase rate of 6.2%, compared to 4.8% last year. Mortgage interest costs surged by 22%, and rent has increased by 8.8%, marking the highest rise since March 1983. However, excluding shelter costs, consumer prices only rose by 1.3%. This better-than-expected inflation report led to market predictions of a 90% chance of a rate cut at the upcoming Bank of Canada (BOC) meeting. With employment at 22-year low and business insolvencies rising, a 0.25% rate cut seems likely, potentially bringing the current rate of 4.5% down, which we hope is still high enough to exert downward pressure on inflation. The impact on the housing market remains uncertain; another rate cut might increase the number of sellers, although buyers seem to remain on the sidelines. Retail sales data also supports the likelihood of a rate cut. Retail sales fell by 0.8% month-over-month, and excluding volatile items, they dropped by 1.4%. In 2024, retail sales increased in only one month and have been flat since 2022, despite a 6% increase in the population. This stagnation suggests that Canadian consumers are financially stretched, likely due to high mortgage payments. Housing starts provide further context to the economic challenges. In April, Prime Minister Trudeau promised to build 3.87 million homes by 2031. However, housing starts fell by 9% month-over-month in June and are down 14% from the same month last year. To meet Trudeau's target, housing starts would need to double from last year's levels, but they are currently 114% below the required mark. The situation is particularly dire in British Columbia, where starts fell by 12% and are 38% below June 2023 levels. In Toronto, new condo sales, a leading indicator for housing starts, are at their lowest since 1997. This decline contradicts the government's promises, with little incentive for builders to increase housing supply due to rising taxes, fees, and restricted access to affordable credit. The government's efforts have only expanded the size of the government by 42% since 2015, without noticeable improvements in efficiency.The Prime Minister and parts of his cabinet have also been flirting with the idea of a primary home equity tax with a government-funded think tank, Generation Squeeze. This proposed tax aims to address housing inequity by adding a surtax on homes valued over $1 million, supposedly affecting only the top 12% of high-value homes. Critics argue this approach is politically motivated and overlooks the real issues driving housing prices, such as immigration, development costs, and availability of credit - plus in markets where the average house price exceeds $1mil are many. Market updates indicate that housing prices fell in June for the first time in 2024 and are expected to drop further in July. As of July 29th, average prices were down by $68,000, and median prices by $10,000. Sales volumes are slightly lower than last year, indicating a slow market. The rest of the summer is expected to see a gradual decline, with potential market stimulation in the fall if there is a third rate cut and an increase in inventory. Overall, the Canadian economy is facing significant challenges with inflation, housing, _________________________________ Contact Us To Book Your Private Consultation:

People Before Profit are proposing the government should introduce a cap of 3% on mortgage interest rates. Would this work to prevent banks price gouging from lenders? To discuss further was Richard Boyd Barrett, People Before Profit TD for Dun Laoghaire and spokesperson for Finance and Brendan Burgess, Founder of Ask about Money.com & Campaigner for Mortgage Rates.

Mortgage Interest Rates are sitting at the lowest level we've seen in a few months with both inflation and employment supporting a slowing economy. While the FED wants to keep interest rates higher for longer, the reality is we've likely seen the peak in 2024. In this live episode, we are going to discuss the latest regarding inflation, the Federal Reserve, as well the latest employment and economic data while helping you understand how that affects you as a buyer or seller in the 2024 housing market. ✅ - Get connected with us or to a local expert in your market, http://www.theeducatedhomebuyer.com/expert

ASB is the latest major New Zealand bank to drop their mortgage interest rates for three and four year terms. This follows BNZ and Kiwibank bringing down their interest rates, as wholesale rates have trended down. NZ Herald business editor at large Liam Dann explains why these banks are making these moves, despite the RBNZ holding rates steady. LISTEN ABOVESee omnystudio.com/listener for privacy information.

On this month's HAR Community Conversations, we welcomed Jesse Thompson, Senior Business Economist for the Federal Reserve Bank, Houston Branch. He discussed the Houston economy and what to expect for mortgage interest rates in 2024 and beyond!   Personal Financial Literacy: The New Social Studies Course for Texas   Sign up for Free Industry News Subscriptions for HAR Members here-   https://www.harconnect.com/free-industry-news-subscriptions-for-har-members/   Are you an HAR MLS Platinum Subscriber? Join our Facebook Group! Click to join. Sign Up for your free Real Estate News Subscription here. Sign up for your free Inman Select Subscription here. Follow us on Facebook, Twitter, Instagram, YouTube , and LinkedIn.

Curious why your wallet feels different lately? It might be the rollercoaster ride of interest rates we're all strapped into. Step right up and listen as we, the ringleaders of finance chatter, along with our esteemed guest Trish White, dissect the latest trends in interest rates that have everyone talking. We're peeling back the layers of the economy's current state, examining the influence of tax changes, wage growth, and the ever-persistent inflation on the future of our finances. Grab a seat and join us for a conversation that promises to elevate your economic savvy and offer insights into the whispers and wonders of what's really going on with those pesky rates.Let's face it, interest rates aren't just numbers—they're the heartbeat of our economic health. As we navigate the choppy waters of the financial landscape, we reveal a surprising statistic: a significant slice of Australians are riding this tide without a mortgage. How does this affect the broader picture? Engage with us as we share a multitude of perspectives on this complex matter, inviting you to contribute your own predictions. With Trish's invaluable expertise, our latest episode serves up a hefty dose of reality mixed with our trademark banter. You're in for a session that's as enlightening as it is entertaining – an economic analysis that's anything but dry.

Mortgage Interest Rates are back above 7% causing housing inventory to grow over 30% year over year. Will this increase in inventory lead to a housing crash? At the same time, we are seeing price reductions stabilize in the normal area leading to price stability. Should you buy now or wait? In this live episode, we are going to discuss the latest regarding inflation, the Federal Reserve, as well the latest employment and economic data while helping you understand how that affects you as a buyer or seller in the 2024 housing market. Tonight's Slides - Posted inside of our community mentioned below. ✅ - Get connected with us or to a local expert in your market, http://www.theeducatedhomebuyer.com/expert

Rebecca Walker, Senior Vice President of Mortgage and Loan Services at Midwest Bank Center joins Megan and Tom discussing mortgage trends and interest rates for the spring season.   (Photo by Joe Raedle/Getty Images)

Jerry spoke to Charlie Weston who’s personal finance editor of the Irish Independent. For more: https://www.independent.ie/business/personal-finance/aib-cuts-mortgage-rates-in-move-that-is-hoped-will-spur-rivals-to-follow-suit/a1810601258.html and https://www.independent.ie/irish-news/hundreds-of-drivers-overcharged-on-their-axa-motor-insurance-due-refunds/a1407223350.html

Join us on The Freedom Achievers Podcast for an enlightening episode featuring special guest Tony Modrono, as we delve into the intricacies of "27 Years of Mortgages." In this captivating discussion, Tony, a seasoned expert in the mortgage industry, shares invaluable insights gleaned from nearly three decades of experience. From navigating the complexities of home financing to understanding the evolving landscape of real estate, this episode promises to equip listeners with the knowledge and confidence to make informed decisions about one of life's most significant investments. Tune in to gain a deeper understanding of mortgages and embark on your journey towards financial freedom. GET A COPY OF MY NEW BOOK: THE TRUTH ABOUT FAILURE AND LEARN HOW TO GET FREE ACCESS TO THE TRAINING: https://www.truthaboutfailure.com/ JOIN MY COACHING ACADEMY: https://freedomachieveracademy.com/join

Feel free to book a call and plan how to reach your time-freedom point faster.Visit us at idealinvestorshow.comStart taking action right NOW!Goal-setting the right way! Hesitant to make the first step toward real estate investing? Axel learned the hard way- but you DON'T have to start that way. Feel free to talk to him :)Connect with us through social! We'd love to build a community of like-minded people like YOU!Support the show

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Segment 1: Ilyce Glink, owner of Think Glink Media and Best Money Moves, joins John to tell us everything you need to know about the 2024 tax filing season starting, and to break down a new report from Redfin that shows a homebuyer on a $3,000 monthly budget has gained nearly $40,000 in purchasing power since mortgage rates peaked this […]

Here are Tim and Julie Harris's Top Ten 2024 Real Estate Market Predictions (Boom or BUST?) Welcome back to America's #1 Daily Podcast, featuring America's #1 Real Estate Coaches and Top EXP Realty Sponsors in the World, Tim and Julie Harris. Ready to become an EXP Realty Agent and join Tim and Julie Harris? https://whylibertas.com/harris or text Tim directly 512-758-0206 IMPORTANT: Join #1 Real Estate Coaches Tim and Julie Harris's Premier Coaching now for FREE. Included is a DAILY Coaching Session with a HARRIS Certified Coach. Proven and tested lead generation, systems, and scripts designed for this market. Instant FREE Access Now: YES, Enroll Me NOW In Premier Coaching https://members.timandjulieharris.com 1. Prices will continue to rise, on average 5 to 6% nationwide. -Some as much as 10%, some will be more stagnant.  -What happens locally will depend on your inventory and the impact of new construction. -Rents will increase. -Defaults and distressed real estate isn't going to be an issue.  2.  Mortgage Interest Rates will continue to trend downward. -Likely to stabilize in the low to mid 6% range. -Builders will still offer better interest rates through their in-house financing. -Assumable mortgages may become more prevalent.  We are already seeing this happen. -5 and 7-year Adjustable rates will become more popular. 3.  Inventory will rise as interest rates fall.   -Most sellers are also buyers, so when there are more choices to move up or down to, they'll be more willing to list. 4. The number of Sales will rise. -This should climb back to the 5 million sale range, but that's still short of a 'normal' or balanced market. Increase in resale home sales by as much as 1,000,000 units.  -Sellers will continue to be in control. 5.  Agent Migration from small and medium-sized brokerages to larger brands. -Result of commission lawsuit -Result of shrinking profits -Brokerages like EXP are rising due to agent-centric opportunities beyond just commissions 6.  Effect of the Commission Lawsuits: Too soon to tell, however... -Watch for local MLSs to 'decouple' from NAR.  Membership to NAR will drop but that doesn't mean agents are quitting real estate. -Flexibility of buyer-side fees may become more normal. -Power of state and local boards will increase if NAR's influence decreases 7.  New AI empowered Team (and Brokerage) models will thrive.  - AI empowered agents will rule the roost. -Expect AGI (beyond AI) to be the biggest reality bender since the Industrial Revolution or even the Tech Revolution.  -Soon AI will do all of your social media and other passive lead generation for you.  -AI will allow individual agents to operate as if they had a big (and expensive) team. -AI will enable agents to not just lead generate but also do initial prequalification and even presales.  8.  New Construction will continue to be hot. -Impact on the resale market -Don't expect builders to flood the market; they control their own inventory  -Smaller floorplans  -New construction prices already have adjusted down by 5% 9. New Mortgage Programs will flourish. (and new Fin-Tech) - Expect home ownership and mortgage access to become a very hot political topic. The average age of a first time buyer is now close to 40! - 40 year mortgages. Automatic rate reductions when the rates fall etc.  - Homes will be securitized by the owner. Imagine being able to sell off the value of 10% of your home to an investor. Investor gets paid 10% of the homes value when the home sells. Their 10% investment could be used towards downpayment etc. - Fannie and Freddie will be purchasing MBS (mortgage backed securities) - Federal Reserve will purchase MBS.  10.  2024 will be the start of the New Roaring 20s.  - 2024 is the start of a new bull run for home sales. You thought the last boom was big...just wait. 2023 WAS the worst year for total home sales in nearly 40 years. 2023 was the bottom of th market.

Forecasting Mortgage Rates for 2024: Insights and Predictions for Home Buyers and InvestorsAs we step into the future of real estate and finance, a pressing question on everyone's mind is: What will mortgage interest rates look like in 2024? Jeff Smith, CEO and loan officer at Tiger Home Loans, with 17 years of experience in the mortgage industry, shares his expert insights. This video dives into the factors influencing mortgage rates, providing clarity and guidance for potential homebuyers and investors.Historical Context and Recent Trends:November 2023 marked a historical moment in the mortgage industry, witnessing the most significant improvement in mortgage rates in 40 years. This shift can be attributed to several factors, including changes in inflation, governmental policies, and global economic trends.The Role of Inflation and Government Policies:Mortgage rates have traditionally been closely tied to inflation. Post-COVID, with the end of low rates and easy monetary policy, we saw a substantial rise in inflation due to government spending and relief programs. This increase in inflation led to a hike in mortgage rates as they align closely with long-term bond rates, which are sensitive to inflation expectations.The Impact of the Federal Reserve's Actions:The Federal Reserve's rate hikes aimed to control inflation indirectly influenced mortgage rates. However, an interesting observation made by Smith is that despite a decrease in inflation in the past year, mortgage rates remained high, contrary to historical patterns. This anomaly can be linked to the resilience of the economy, despite rate hikes, and an enlarged money supply by 40% during COVID-19.Predictions for 2024:Looking ahead, there are expectations of a slowdown in the U.S. economy, with jobs numbers weakening and the Federal Reserve potentially ending its cycle of rate hikes. This could lead to a significant drop in mortgage rates. Smith anticipates that we might not see rates as low as 3% unless triggered by an unforeseen event, but there's a strong likelihood of continued improvement in rates, particularly if the Fed implements cuts in 2024.Opportunities in the Mortgage and Real Estate Markets:This evolving landscape presents a unique opportunity for those in the mortgage business and potential homebuyers. Lower mortgage rates are expected to heat up the real estate market, driving demand for home purchases. For buyers, locking in rates now with the possibility of refinancing later at a lower rate seems to be a strategic move.Conclusion:As we navigate through these changing economic times, understanding the dynamics of mortgage rates is crucial for making informed decisions in the real estate market. While certain factors like global events and policy changes remain unpredictable, the current trends and expert predictions point towards a more favorable environment for mortgage rates in 2024.Important Links & Info:Follow Jeff:Instagram: https://www.instagram.com/jeffsmiththl/Facebook: https://www.facebook.com/profile.php?id=100002927397116LinkedIn: https://www.linkedin.com/in/jeff-smith-40627016/Jeff Smith - Tiger Home Loans

Matt Laricy is joined by the #1 lender in Illinois, Ben Cohen, to discuss everything you need to know in regards to mortgage rates going into 2024! Together the two discuss interest rate predictions for next year, 2 and 1 buy downs, loan packages, and why understanding debt to income ratio and how it will affect your home buying process.

Property is the world's largest asset class, so any fluctuation within this market has far-reaching effects. Just consider how property values in countries like Australia, New Zealand, Canada, the U.K., and the U.S. have sent ripples throughout the global economy.There are many factors that affect the housing market, and one is the amount of investment activity. Investors contributed to the dramatic home price growth seen in recent years. The surge in investor activity significantly impacted home prices, but the precise extent of this influence remains a subject of ongoing debate among economists.Another factor affecting the property market is interest rates. When these rates plummeted several years ago, housing prices surged across the world. Then rates began to climb, and the substantial home price gains seen in the aforementioned countries began to correct. But home prices in the U.S. have remained above their 2020 peak, defying expectations.That leaves the question: Why is the U.S. an outlier in the property market?In this episode, host Maiclaire Bolton Smith sits down with CoreLogic Professional Economist Thom Malone to discuss the effect that the U.S. securitized mortgage system and investor activity has had on both the national and global property markets.In This Episode:2:04 – What has happened to housing prices since the pandemic and what makes 2023 such a pivotal year?5:47 – Who are the investors that are participating in the market? Who are the mega investors and what role do they play?8:33 – How has investor activity impacted home prices?10:54 – Erika Stanley goes over the numbers in the housing market in The Sip.12:05 – What is happening in the world of international housing prices?14:16 – What are the advantages and disadvantages of the U.S.'s securitized mortgage system?19:53 – Maiclaire Bolton Smith and Thom Malone talk about their experiences speaking with friends from their home countries about buying a house in the U.S.Links: Read CoreLogic IntelligenceRegister for INTRCONNECT 2024Up Next: What Is the Future of Mortgage Interest Rates in the Current Real Estate Market?Find full episodes with all our guests in our podcast archive here: https://clgx.co/3zqhBZt

Welcome to the latest episode of the Capitalist Investor podcast, where Tony, Luke, and Derek discussed some fascinating insights into the investment landscape! Today, we tried something different where we talked about five hot topics in five minutes each. Those topics include Bitcoin, Mortgage Backed Securities, Cash, Auto Loans, & U.S. Treasuries.Here are three key takeaways from this episode:  1️⃣ Move beyond traditional investments: Luke, Tony, & Derek explored three alternative ways to invest your money - treasuries, CDs, and lending through the bank. Treasuries, in particular, caught their attention as a low default rate option, but with varying durations from three months up to 30 years.  2️⃣ The Federal Reserve may have lost control: Despite the Federal Reserve not raising rates, yields increased by 1% over a month and a half. This surprising development suggests that the free markets are now pricing in the increasing and decreasing rates, highlighting factors like geopolitical conflicts, economic risks, and inflationary concerns. Prepare for potential significant and rapid movements in either direction.  3️⃣ Big changes in the housing market and beyond: The episode delved into the impact of various factors on the housing market, including the potential entry of Airbnb properties, risk-off periods, and high interest rates.  Tune in to the latest episode of the Capitalist Investor podcast to gain valuable insights and stay updated on the ever-changing investment landscape.

On today's episode MG talks about interest rates and live call from the audienceHere's the link to join my mortgage academy https://mgmortgageacademy.com/Support this podcast at — https://redcircle.com/rants-and-gems/donationsAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

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