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2 episodes with mortgage update
2 episodes with mortgage update
2 episodes with mortgage update
Rental property financing is becoming much easier. For years, seven and eight-percent rates made it brutal to make deals work. But now, things are changing—for the better. Mortgage rates in the five-percent range? HELOCs with no closing costs? Seller concessions to buy down your interest rate, and a smoother path to affordable properties? It's all culminating in 2026, and this could be one of the best years in recent memory to get a mortgage for a rental property. Today, we're talking to Jeff Welgan, who's spent 22 years in the mortgage industry, and is bringing good news. Thought those ARM (adjustable-rate mortgage) loans were left behind in 2008? Safer, cheaper, and more flexible ARM loans are available to investors. With lower rates and longer fixed-rate periods, they could be the perfect option as mortgage rates continue to decline. Jeff also shares how you can get a HELOC with no closing costs, so you don't have to give up that rock-bottom mortgage rate you secured in 2020. Plus, when to refinance, how low rates could go, and whether you still should buy down your rate in 2026. In This Episode We Cover Jeff's 2026 mortgage rate prediction and the “range” he thinks rates will stay in Are ARMs back? Why adjustable-rate mortgages are cheaper, safer, and better for investors Should you pay down your interest rate? When Jeff says it is (and isn't) worth it Why the mortgage industry's cycle is about to end, and investors must be careful Got a high mortgage rate? This is when you should think about refinancing And So Much More! Links from the Show Join the Future of Real Estate Investing with Fundrise Join BiggerPockets for FREE Join us at the BiggerPockets Conference October 2-4 in Orlando. Buy tickets Sign Up for the On the Market Newsletter BiggerPockets Real Estate 1207 - 2026 Mortgage Rate Predictions: This “X Factor” Could Change Everything Dave's BiggerPockets Profile Find an Investor-Friendly Lender Today Free BiggerPockets Resources Jeff's BiggerPockets Profile Work with Jeff Grab Dave's Book, "Start with Strategy" Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/on-the-market-400 Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com. Learn more about your ad choices. Visit megaphone.fm/adchoices
What should we expect for transaction volume this year? What should we expect for interest rates? What might a new Fed chair mean for rates? Were lenders more active in 2025 than in 2024? Might lenders ease underwriting some this year? What are mortgage delinquencies today? Explore these questions and much more on this week's show with Lonnie Hendry with Trepp and Michael Bull with Bull Realty. TCN Worldwide Real Estate Services - A global network of over 1,500 leading commercial real estate professionals delivering integrated, expert sales, leasing, management and consulting services across 200 U.S. and global markets. https://www.tcnworldwide.com/ Buildout - Aconnected software platform built for commercial real estate brokerages—combining CRM, marketing, data, and back-office automation. https://www.buildout.com Bull Realty, TCN Worldwide - Commercial Real Estate Asset & Occupancy Solutions in Atlanta and throughout the Southeast U.S. https://www.bullrealty.com/ Commercial Agent Success Strategies - Twenty-one cloud accessed commercial broker training videos with slide deck action notes. Learn more at https://www.commercialagentsuccess.com/
Chief and John Lee start about the Venezuela issue. John Flanagan came in the further the discuss on the reasons why Maduro was captured. Then they went into shipbuilding and processing Oil. Nancy ended the show with Mortgage Update.
Karen & Janet open this podcast with buying and rental opportunities throughout Ventura County... Their first guest is Reverse Mortgage Queen Shelly Wells who tells us reverse mortgages can close within 30 days. Rates are edging down and now is an excellent time to learn which plan fits your needs and lifestyle. Next up is Lynn from The Greek at The Ventura Harbor, Holiday parties are here and The Greek is taking reservations for The Parade of Lights and for your holiday party from friends 30 or more the Greek is your place for great food, dancing and fun! Etiquette is the next topic and Lisa Schoeffler, from which for to use, which water is yours, handshakes and conversation, List will teach you the proper way to enjoy your next get together. Matt Shoupe wraps up the podcast inviting listeners to the Trivia Challenge on Wednesday November 5th at Sterling Hills Golf Club to benefit The Ventura Library Foundation. Grab your smartest friends and listen to Girls On The Air!
In the latest episode of the pod Andy & Amelia are talking about the latest stories that are important to you and your money. Including: The Asda reward scheme changes Our monthly mortgage update Fight for your consumer rights Weekly poll: what you thought of Iceland rewarding customers for shopping shoplifters For links and further reading head to becleverwithyourcash.com/cashchats 00:00 Intro 01:04 Asda reward scheme 08:08 September mortgage and property update 18:47 Consumer rights 24:10 Weekly poll ABOUT CASH CHATS Cash Chats is the award-winning podcast brought to you by the team of money geeks at Be Clever With Your Cash, sharing the latest updates from the world of personal finance and helping you to navigate the everyday money challenges we all face. Show notes can be found at becleverwithyourcash.com/podcast. BE CLEVER WITH YOUR CASH ON SOCIAL twitter.com/BeCleverCash instagram.com/becleverwithyourcash youtube.com/@becleverwithyourcash GET OUR WEEKLY NEWSLETTER You'll also get a free Quidco bonus for signing up https://becleverwithyourcash.com/newsletter/ MUSIC The music is Easter Island by Lonely Punk and provided on a creative commons licence
Send us a textRob Peters, an experienced mortgage broker, shares valuable insights on property finance strategies, including a unique approach to purchasing blocks of flats with minimal deposits. We dive into current interest rates, specialized mortgage products, and smart approaches to below-market-value properties.• Simple Fast Mortgage specializes in property finance for investors and complex circumstances• Residential mortgage rates have dropped below 4%, while limited company buy-to-let rates are around 4.87%• Most specialty lenders (HMO, commercial, bridging) haven't followed the Bank of England rate cut• A specialized mortgage product allows purchasing under-market-value properties with just 10% deposit• Blocks of flats can be purchased at "block value" but financed based on higher "aggregate value"• Example: acquiring a £255,000 property with just £16,850 deposit, gaining immediate equity• Always speak with your broker before finding deals to understand options and avoid unnecessary pressureIf you want to learn more about property finance solutions or discuss your specific circumstances, you can reach Rob through the Education to Action Property community or book an appointment through the Simple Fast Mortgage website.VALUABLE RESOURCES: My NEW Community for property investors called Property Education To Action, This is the best place to achieve your property goals and build the life you desire. https://educationtoaction.com Visit www.thepropertyunleashed.com to explore are free Property Ebooks and guides in Rent-to-Rent, Serviced Accommodation, Deal Sourcing and and also our FREE training masterclasses to help you generating a sustainable income through property. https://www.facebook.com/groups/816926952556608 to meet like-minded property investors and be a part of the community. CONNECT WITH ME: Facebook: https://www.facebook.com/mark.fitzgerald.7921Instagram: https://www.instagram.com/markfitzgeraldentrepreneur/Linkedin: https://www.linkedin.com/in/mark-fitzgerald-59200079/YouTube: https://www.youtube.com/channel/UCgwQNC72nEJQ0tKkKERdQOQThreads: https://www.threads.net/@markfitzgeraldentrepreneur ...
Mortgage update with DeniseDenise Webster discusses the recent Bank of Canada rate announcement, borrower trends and the newly announced GST rebate on new home construction for first time buyers.https://denisewebster.ca/
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@markasher32 get the latest news on mortgage rates with @erikaxgio from @usnews #rates #mortgagerates #loans #refinance #homesales
This podcast segment unpacks rising GSE repurchase risks and the cultural landmines facing major mortgage industry mergers.------------------------------------------------------------------Alice Alvey, Master CMBVice President Partner Education and Training at Union Home MortgageShe handles development of their World Class Training program designed to support UHM partners and organizational effectiveness.Prior to UHM, Alice served as Senior Vice President at Indecomm leading the Indecomm-Mortgage U division, Internal QA and Compliance and SaaS technologies. Indecomm acquired Mortgage U in 2013, where Alice was President/Co-founder, providing training and consulting since 1996. Prior to MU she served as SVP of Operations at a national bank overseeing operations for wholesale, retail and correspondent from underwriting through servicing, and compliance.She has been in the trenches of mortgage lending operations from application through servicing for over 30 years. Her authoring work in training content, policies and procedures and the FHA/VA Practical guides illustrates her ability to bridge regulatory requirements with day-to-day operations.Alice has been a weekly contributor to the Lykken on Lending show since its beginning in April 2009 and has made her weekly contributions to 450+ episodes!
The regulars explore how Fed drama, tariff-driven inflation fears, and GSE repurchase risks are putting new pressure on mortgage lenders and the housing market.
This podcast segment covers the MBA's renewed legislative push to restrict abusive trigger leads and protect consumer privacy through the reintroduced Home Buyer's Privacy Protection Act.-------------------------------------------------------------Adam DeSanctis, VP of Communication at Mortgage Bankers AssociationAs a strategic public affairs and communications executive with nearly two decades of experience, Adam has deep expertise in strategy, management, and media relations. He is widely considered to be an expert in a variety of communications, including advocacy, brand, executive, crisis, grassroots, and social media. In his career, he has been the MBA spokesperson on a wide variety of real estate research and advocacy-related issues, promoted MBA research and advocacy efforts to financial, political, and trade industry media and on MBA's social media channels, and secured media opportunities for MBA leadership on key real estate trends and issues, generated media coverage for MBA's research and data on mortgage applications, credit availability, homebuilder applications, mortgage forbearance/delinquencies, commercial real estate originations, and forecasts, and other industry analysis, developed key strategic initiatives for MBA's organizational public affairs plan, media relations and member communications support for mPower, MBA's Opens Doors Foundation and MBA's Diversity, Equity, and Inclusion programs.
In this segment, David and the team explore how mindset, operational process, and empowering the right people help mortgage professionals succeed through rate volatility, shifting volumes, and unexpected challenges.
The regulars unpack the growing risks tied to industry consolidation, loan concentration, and tariff-driven volatility—highlighting systemic challenges for lenders, secondary markets, and warehouse banking.
Confusion and fear create hesitation—but informed guidance creates confidence. Now's the time to help buyers understand how volatility can work in their favor… if they act decisively. Four of our 2025 housing wildcards just hit—again. For buyers, this could be a rare window of opportunity. For agents and loan officers, this is the time to lead with confidence.
The regulars weigh in on growing concerns around rising FHA delinquencies, high debt-to-income ratios, and the lack of refinancing opportunities—warning that macroeconomic strain and supply-demand imbalances may fuel a wave of defaults in the next 12–18 months.
This podcast segment explores shifting mortgage rates, housing supply challenges, and economic uncertainty, analyzing how market trends and buyer behavior could impact home values and lending strategies.
This podcast segment covers the latest mortgage market shifts, Rocket Mortgage's bold acquisition of Redfin, insights on the future of real estate technology, and how AI is reshaping decision-making in the industry.
@markasher32 talks mortgage rates with @erikaxgio from @usnews . #rates #mortgages #loans #mortgagerates
This podcast segment explores market volatility, the impact of government spending cuts on interest rates, the evolving role of tariffs, and the latest mortgage industry M&A activity signaling confidence in housing finance.
This podcast segment explores market fluctuations, the impact of tariffs, regional disparities in housing markets, and the importance of mortgage professionals mastering underwriting nuances to navigate today's lending landscape.
This episode explores the evolving government workforce, the impact of job cuts on housing policy, and the latest market trends shaping the mortgage industry.
-Mortgage Update: Banks Will No Longer Pay Registration FeesDubai Planted 216,500 Trees In 2024! -Sweeney Todd Musical Thriller Is Coming To Dubai Opera!-Sharjah Is Hosting The Region's Biggest Entrepreneurship Festival!-Emirati Soul Singer Arqam Al Abri Talks Inspiration, Storytelling & Soul Music In The UAE
@markasher32 gets the latest on mortgage rates from @erikaxgio of @usnews #loans #mortgages #mortgagerates #rates
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!
@Markasher32 talks post election mortgage numbers with @erikaxgio from @usnews #rates #elections #mortgages #Mortgage_rates #homes #homeonership
Want to remove home sale contingencies in 48 hours or less? It's easy with Calque's newest ‘buy before you sell' product – the Contingency Buster. The Contingency Buster is your fastest and most affordable path to non-contingent financing. Calque provides a binding backup offer on your borrower's departing residence to clear the existing mortgage balance and closing costs in 48 business hours or less. You become a loan hero that saves deals and helps clients win bidding wars. Best yet? It costs less than other ‘buy before you sell' solutions. Visit www.calqueinc.com to learn more.
https://pfgwm.com/wp-content/uploads/sites/2/2024/10/Investing-Simplified-10.20.24.mp3 There are a lot of people with great intentions for their finances who are led astray by biased advice from financial advisors. There are also a lot of people who are simply operating under bad financial advice in general. That's why Price Financial Group Wealth Management decided to start a radio show called Investing Simplified®. They wanted to use the show as a simple way to educate people about the truths of finance and investing. We aim to provide investors, of a varying type or degree of experience, with an edifying experience through the information our veteran hosts and numerous guest-experts will deliver. Our Hosts: Robert (Bo) Caldwell, CFP®, ChFC® Email: bo@pricefg.com Schedule an Appointment Matt Mai, CIO Email: matt@pricefg.com Schedule an Appointment Matt Sudol, Wealth Advisor Email: mattsudol@pfgwm.com Schedule an Appointment Thank you to our callers, investingsimplifiedradio.com visitors, and listeners for your questions. You make Investing Simplified® possible.
https://pfgwm.com/wp-content/uploads/sites/2/2024/10/Investing-Simplified-10.13.24.mp3 There are a lot of people with great intentions for their finances who are led astray by biased advice from financial advisors. There are also a lot of people who are simply operating under bad financial advice in general. That's why Price Financial Group Wealth Management decided to start a radio show called Investing Simplified®. They wanted to use the show as a simple way to educate people about the truths of finance and investing. We aim to provide investors, of a varying type or degree of experience, with an edifying experience through the information our veteran hosts and numerous guest-experts will deliver. Our Hosts: Robert (Bo) Caldwell, CFP®, ChFC® Email: bo@pricefg.com Schedule an Appointment Matt Mai, CIO Email: matt@pricefg.com Schedule an Appointment Matt Sudol, Wealth Advisor Email: mattsudol@pfgwm.com Schedule an Appointment Thank you to our callers, investingsimplifiedradio.com visitors, and listeners for your questions. You make Investing Simplified® possible.
@markasher32 talks with @erikaxgio from @usnews to get a mortgage update and discuss the Fed. #mortgages #loans #rates #TheFed #TheFederalReserve
This week, WA's #1 mortgage broker, Sam Carrello, is back in the studio. Sam provides an update on where rates are at as we as a few financing trends he is seeing amongst his clientele.
@markasher32 talks with @erikaxgio of @usnews about the latest on mortgage rates. #rates #mortgages #mortgagerates #homeloans
The Sports Port Episode 800 LIVE!
@markash talks with @erikaxgio from @usnews about mortgage rates, where they are and where we expect them to go, and will there be a change. #mortgages #rates #inflation #loans #housing #realestate
If you talk to anyone about real estate, it is inevitable that the conversation will come around to interest rates. And Interest rates have not moved much in the past few months. If anything they seem to have increased. We are nearly half way through May of 2024. Interest rates have been the talk of the country. What should you know as we head into summer of 2024? The state of the mortgage industry has been a little crazy to say the least. The rates have stayed high relative to the 3% interest rates we knew just a couple of years ago. Well to answer all these questions and more,[...]
@erikaxgio from @usnews gives us an update on mortgage rates #loans #mortgages #rates
Real Estate Investor Dad Podcast ( Investing / Investment in Canada )
REIcon Investor Conference! Live in Edmonton on June 15th & 16th Pre-Sale Tickets End on April 15th www.reiconference.ca 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
@markasher32 gets a mortgage update and the latest trend from @erikaxgio with @usnews also @erikaxgio gives her thoughts on homebuyers who are "holding out for lower rates" (spoiler: they'll be waiting for a while) #mortgaes #loans #rates #homebuyers #refinace
Real Estate Investor Dad Podcast ( Investing / Investment in Canada )
Mortgage Financing Online Workshop Saturday April 6th 2024 Co-Hosted by Keaton Kirkwood mortgagefinancingworkshop.eventbrite.ca Joint Venture Focus Workshop Saturday April 27th 2027 Co-Hosted by Barry McGuire https://barrymcguire.ca/shop/jv-focus-workshop/ 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
Show notes:TMSpotlight:1.22.24 It's A "Love Story" If Buyers Say Yes!------------------------Bonds got tired of waiting.Wondering if Jay was ever coming around.Did the Bond buyers buy on Friday? Happy consumers bought by draining savings and using credit cards earlier in the week. Where did the new era of frugality go?Will the Fed reduce its selling of Treasuries (Quantitative tightening) to avoid liquidity problems? Would such action increase inflation and create wild moves like the spring 2020? Is the Fed Romeo and Bonds Juliet?Don't be afraid. Jay will get out of this mess. It's a Love Story; buyers, just say yes.------------------------Song: Love Story (2008) Taylor Swifthttps://www.youtube.com/watch?v=8xg3vE8Ie_ELegislative Update:Link to VA ANPR - https://www.federalregister.gov/documents/2023/12/11/2023-27068/loan-guaranty-minimum-property-requirements-for-va-guaranteed-and-direct-loansThe Lykken on Lending program will feature our Weekly Mortgage Updates with Adam DeSanctis and his MBA Mortgage Minute, and then Les Parker's TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by David Kittle, Chief Executive Officer @ Cypress Mortgage Capital, to discuss mortgage originations. Then we have Alice Alvey of Union Home providing a regulatory & legislative update, then Allen Pollack giving us a Tech Report on the latest technology impacting our industry. Finally, we wrap up the first half of the program with Marc Helm, Senior Executive Partner @ Transformational Mortgage Solutions, talking about Loan Servicing and the “Agencies”.
Discover the hidden complexities of loan guidelines and lender overlays in the mortgage industry as host Mike Mills and guest Gary Pierce unveil the shocking truth. With discrepancies between lender overlays causing confusion among borrowers, will they find the answers they need to secure their dream homes or be left in a state of uncertainty? Find out on the next episode of the Texas Real Estate & Finance Podcast.Unravel the key distinctions between mortgage brokers and independent mortgage banks, enabling you to make more informed decisions in real estate financing.Discover the hidden benefits of engaging with a mortgage broker, you'll wonder why you never tool this route before.Identify the thorny challenges of operating a mortgage broker business and strategies for cultivating productive relationships with realtors.Decode the complex world of loan guidelines and lender overlays in the mortgage industry, enhancing your ability to navigate loan procedures with ease.Stay updated with the latest shifts in mortgage rates and the persistently evolving housing market, helping you benefit from timely market insights.Visit Mike Mills Mortgage and Finance website to learn more about their services and loan options.Contact Mike Mills Mortgage and Finance to schedule a consultation with Mike Mills or Gary Pierce.Explore the special programs offered by Mike Mills Mortgage and Finance, such as farm and ranch loans.Stay updated on interest rates and market trends by following Mike Mills Mortgage and Finance on social media.Consider the advantages of working with a mortgage broker, like Gary Pierce, for lower costs and more efficient loan processing.Compare the services and rates offered by Mike Mills Mortgage and Finance with other banks and lenders.Reach out to Mike Mills Mortgage and Finance to discuss refinancing options and potentially lower interest rates.Connect with Mike Mills Mortgage and Finance to explore loan options for purchasing a new home or investment property.Refer friends and family to Mike Mills Mortgage and Finance for their mortgage and finance needs.Subscribe to the Mike Mills Mortgage and Finance newsletter for updates and insights on the real estate and finance industry.Timestamped summary of this episode:00:00:14 - Introduction, The host, Mike Mills, welcomes listeners to the Texas Real Estate and Finance Podcast and introduces his guest, Gary Pierce, a mortgage broker specializing in farm and ranch properties.00:01:55 - The Difference Between Mortgage Broker and Independent Mortgage Bank, Mike and Gary discuss the differences between a mortgage broker and an independent mortgage bank. They explain how brokers work with wholesale lenders and have lower costs and more efficiency compared to big banks.00:07:53 - Why Using a Mortgage Broker is Advantageous, Mike and Gary highlight the advantages of using a mortgage broker like themselves instead of big banks. They emphasize the lower costs, more efficient loan processing, and the personalized service they can provide to clients.00:09:03 - Challenges of Running a Mortgage Brokerage, Gary shares the challenges he faced when starting his own mortgage brokerage, particularly the difficulty of building relationships and penetrating the local market. He emphasizes the importance of marketing and earning the trust of clients and realtors.00:11:46 - The Sales Nature of the Mortgage Industry, Mike and Gary discuss the sales aspect of the mortgage industry and how they have to constantly build relationships with realtors and adapt to changes in the market. They highlight the monthly pressure to generate new business and the need to consistently provide value to...
The Federal Reserve’s ongoing effort to curb inflation by raising interest rates is having a ripple effect throughout the economy, especially in the housing market. On today's MoneyWise Live, Rob West will get a mortgage update from Dale Vermillion. Then Rob will answer your questions on various financial topics. See omnystudio.com/listener for privacy information.
On this podcast of Welcome Home Radio, host Don Scordino spoke with special guests Bobby Rubio and Nicole Martinez with Western Pioneer Financial, Inc., who gave a mortgage updates.
Need help with your move to Florida?You can reach us on our Moving to Florida Show Hotline by dropping a voicemail or text to 407-900-5859 Or drop us a DM on Facebook or Instagram: @movingtofloridashow and for Twitter our handle is @movingtoflshow. . If you would like to connect with us, if you have any questions, or if you need a realtor in Florida you can reach us at movingtofloridashow@gmail.com. Be sure to subscribe to the show if you like our content so that it will automatically download to your device and get you one step closer to moving to Florida!
On this podcast of Welcome Home Radio, host Don Scordino spoke with special guests Nick Schneider with Yosemite Mortgage and Paul Salazar with Sierra Pacific Mortgage, who gave updates on mortgage lending.
Wondering about the changes that might occur on your mortgage loans this 2023?We got you covered!If you want to stay updated about the mortgage loan changes (for your rental properties, turnkey, primary residence), this podcast is very informative, so don't skip a beat.To stay updated together with other passive investors, don't forget to join our club at https://simplepassivecashflow.com/club. Hosted on Acast. See acast.com/privacy for more information.
Let's talk about the real estate market based on our location of San Antonio Texas. Mark JonesFounder of https://reviewmymortgage.com/President | iTHINK Mortgage Top Producing Sr. Loan OfficerNMLS# 513437Get in Touch with Mark.https://ithinkmortgage.comNichole Kelley Loan Officer NMLS#1630375Xavier Villarreal Loan Officer NMLS# 2217153Mann Mortgage LLC, DBA iTHINK Mortgage15900 La Cantera Pkwy #2630 San Antonio TX 78256NMLS #2550 Alaska (AK2550), Arizona (0907705), California (4130981), Colorado (2550), District of Columbia (MLB2550), Hawaii (HI-2550), Idaho (MBL-437), Maryland (23418), Minnesota (MN-MO-2550), Montana (2550), Nevada (2342), New Mexico (250489), North Carolina (185883), North Dakota (MB101542), Oregon (ML-832), South Dakota (ML.05197), Texas (2550), Utah (7956014), Virginia (MC-6860), Washington (CL-2550), Wisconsin (2550BA), Wyoming (1004).Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act.Texas Complaint and Recovery Fund NoticeMann Mortgage, LLC is not endorsed by, nor acting on behalf of or at the direction of, the U.S. Department of Housing and Urban Development, Federal Housing Administration, the Veterans Administration, the U.S. Department of Agriculture or the Federal Government. All programs are subject to credit and income qualification. This is not a guarantee of financing or a firm offer of credit. Interest rates are not guaranteed and subject to change or become unavailable at time of commitment or closing. 1220 Whitefish Stage, Kalispell, MT 59901iTHINK Mortgage is an Equal Housing Lender
The Federal Reserve's ongoing effort to curb inflation by raising interest rates is having a ripple effect throughout the economy, especially in the housing market. We'll talk with Dale Vermillion about that today on MoneyWise. Dale Vermillion is the author of Navigating The Mortgage Maze: The Simple Truth About Financing Your Home. Dale Vermillion notes that interest rates are on the rise. They've risen 2 points from just six months ago, now above 5% for a conventional 30-year fixed. A Freddie Mac mortgage is also above 5%. A year ago they were at about 2.8%. Rates continue to fluctuate, and of course, those rates don't include fees and other costs WHERE ARE RATES GOING FROM HERE? Vermillion says we may have seen the worst of inflation this year with regard to mortgages. Many analysts say we can expect 30-year, fixed-mortgage rates to stay between 5 and 6% for the rest of the year. SHIFTING HOME VALUES The average home's value is up 16% from last year and 45% since July 2019. But the housing market explosion is cooling off. The average home value dropped just a tick in July, down .1%. That doesn't seem like a lot, it was the first monthly decline in a decade. Mortgage applications are down too, by about 2%. Home prices haven't declined much yet, but sales are down. Bidding wars aren't as common as they were earlier this year, and sellers may soon have to back away from demanding top dollar. Several factors influence home values and sales, not just mortgage rates. They include: ● The economy: Some parts of the US economy remain quite strong. ● Plenty of jobs are still being produced. ● The demand for housing remains fairly high. ● The US housing market still faces an inventory shortage. IS NOW A GOOD TIME TO BUY? Now may be a better time than just a couple of months ago. However, you still have to make sure that a higher mortgage rate is within your budget. Always follow biblical principles concerning debt, and make sure you have a 20% downpayment to avoid paying private mortgage insurance. Learn more about Dale Vermillion at DaleVermillion.com. On today's program, Rob also answers listener questions: ● Is it necessary to pay tithe on Social Security? ● What should prioritize: IRS debt or credit card debt? ● How should you determine financial priorities? ● Is it wise to put money in something that isn't FDIC insured? RESOURCES MENTIONED: ● Treasurydirect.gov Remember, you can call in to ask your questions most days at (800) 525-7000 or email them to Questions@MoneyWise.org. Also, visit our website at MoneyWise.org where you can connect with a MoneyWise Coach, join the MoneyWise Community, and even download the free MoneyWise app. To support this ministry financially, visit: https://www.oneplace.com/donate/1085/29
The Federal Reserve's ongoing effort to curb inflation by raising interest rates is having a ripple effect throughout the economy, especially in the housing market. We'll talk with Dale Vermillion about that today on MoneyWise. Dale Vermillion is the author of Navigating The Mortgage Maze: The Simple Truth About Financing Your Home. Dale Vermillion notes that interest rates are on the rise. They've risen 2 points from just six months ago, now above 5% for a conventional 30-year fixed. A Freddie Mac mortgage is also above 5%. A year ago they were at about 2.8%. Rates continue to fluctuate, and of course, those rates don't include fees and other costs WHERE ARE RATES GOING FROM HERE? Vermillion says we may have seen the worst of inflation this year with regard to mortgages. Many analysts say we can expect 30-year, fixed-mortgage rates to stay between 5 and 6% for the rest of the year. SHIFTING HOME VALUES The average home's value is up 16% from last year and 45% since July 2019. But the housing market explosion is cooling off. The average home value dropped just a tick in July, down .1%. That doesn't seem like a lot, it was the first monthly decline in a decade. Mortgage applications are down too, by about 2%. Home prices haven't declined much yet, but sales are down. Bidding wars aren't as common as they were earlier this year, and sellers may soon have to back away from demanding top dollar. Several factors influence home values and sales, not just mortgage rates. They include: ● The economy: Some parts of the US economy remain quite strong. ● Plenty of jobs are still being produced. ● The demand for housing remains fairly high. ● The US housing market still faces an inventory shortage. IS NOW A GOOD TIME TO BUY? Now may be a better time than just a couple of months ago. However, you still have to make sure that a higher mortgage rate is within your budget. Always follow biblical principles concerning debt, and make sure you have a 20% downpayment to avoid paying private mortgage insurance. Learn more about Dale Vermillion at DaleVermillion.com. On today's program, Rob also answers listener questions: ● Is it necessary to pay tithe on Social Security? ● What should prioritize: IRS debt or credit card debt? ● How should you determine financial priorities? ● Is it wise to put money in something that isn't FDIC insured? RESOURCES MENTIONED: ● Treasurydirect.gov Remember, you can call in to ask your questions most days at (800) 525-7000 or email them to Questions@MoneyWise.org. Also, visit our website at MoneyWise.org where you can connect with a MoneyWise Coach, join the MoneyWise Community, and even download the free MoneyWise app. To support this ministry financially, visit: https://www.oneplace.com/donate/1085/29
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