Podcasts about mortgage rates

This Flashback Friday is from episode 442, published last November 22, 2014 Geography and demographic patterns prove their importance in the discussions featured on today's Creating Wealth Show. Jason Hartman talks to Peter Zeihan, author of The Accidental Superpower, about the many factors which have affected the economic and social growth of America and several other vital world powers. They consider topics from China's one-child policy, the comparative strength of the dollar and the how the future looks in terms of oil production and 3D printing.    Follow Jason on TWITTER, INSTAGRAM & LINKEDIN Twitter.com/JasonHartmanROI Instagram.com/jasonhartman1/ Linkedin.com/in/jasonhartmaninvestor/ Call our Investment Counselors at: 1-800-HARTMAN (US) or visit: https://www.jasonhartman.com/ Free Class:  Easily get up to $250,000 in funding for real estate, business or anything else: http://JasonHartman.com/Fund CYA Protect Your Assets, Save Taxes & Estate Planning: http://JasonHartman.com/Protect Get wholesale real estate deals for investment or build a great business – Free Course: https://www.jasonhartman.com/deals Special Offer from Ron LeGrand: https://JasonHartman.com/Ron Free Mini-Book on Pandemic Investing: https://www.PandemicInvesting.com

Jason interviews Colton Pace, the founder and CEO of OwnWell, who explains how his company helps homeowners reduce their property tax assessments through data mining and targeted marketing. Colton discusses the company's success rate in helping customers save money through property tax appeals, with their service operating on a contingency fee basis and offering free initial reviews. The interview covers OwnWell's current operations across multiple states, including their valuation methodologies and the timeline for property tax appeals, with plans for future expansion. https://jasonhartman.com/propertytax #PropertyTaxes #ReducePropertyTaxes #Ownwell #ColtonPace #TaxAssessmentDispute #RealEstateSavings #OverAssessed #ContingencyFee #TaxConsultant #SaveMoney #AssetManagement #FamilyOffices #DataMining #PropertyAppeal #ResidentialRealEstate #CommercialProperties   Key Takeaways: 1:47 An easy way to save money  5:19 Depends on geography 8:30 A more established neighborhood 10:06 Average cost savings 10:47 Straightforward path to saving money 12:45 How long till assessments come in 14:23 Special offer: JasonHartman.com/PropertyTax     Follow Jason on TWITTER, INSTAGRAM & LINKEDIN Twitter.com/JasonHartmanROI Instagram.com/jasonhartman1/ Linkedin.com/in/jasonhartmaninvestor/ Call our Investment Counselors at: 1-800-HARTMAN (US) or visit: https://www.jasonhartman.com/ Free Class:  Easily get up to $250,000 in funding for real estate, business or anything else: http://JasonHartman.com/Fund CYA Protect Your Assets, Save Taxes & Estate Planning: http://JasonHartman.com/Protect Get wholesale real estate deals for investment or build a great business – Free Course: https://www.jasonhartman.com/deals Special Offer from Ron LeGrand: https://JasonHartman.com/Ron Free Mini-Book on Pandemic Investing: https://www.PandemicInvesting.com

Bankrate's Stephen Kates says 1 in 6 Americans over the last 5 years have given up on purchasing a home. He tells us more about Bankrate's findings.

Discover how to strategically position yourself for lower interest rates and the next phase of the commercial real estate cycle. In this podcast, you'll gain three key insights to help you prepare for the coming interest rate drop:1. What high interest rates have created in today's buyer-seller dynamics2. The mindset reset required to capitalize on falling rates3. Three actionable steps to strengthen your position and close more dealsWith over 25 years of experience navigating rate cycles, I've seen this pattern unfold before. The investors who succeed are those who prepare early—before the headlines and bidding wars begin. 

In this week's episode of FTR's Trucking Market Update podcast, we review the latest data on home sales, international trade, consumer spending, and inventories. Plus, we discuss some major news out of Washington related to trucking and recap the week in diesel prices and the spot market for truck freight.The Trucking Market Update is hosted by FTR's Vice President of Trucking, Avery Vise. As this information is presented, you are welcome to follow along and look at the graphs and indicators yourself by downloading the presentation.Download the PDF: https://ftrintel.com/trucking-podcast Support the show

Waiting for 5% mortgage rates? Kevin O'Leary (Mr. Wonderful from Shark Tank) says that's a massive mistake. Rates have historically averaged 7.5%—and the ultra-low pandemic era is over. In this video, I break down O'Leary's insights, why “hope” isn't a strategy, and how buyers can adjust expectations today to avoid missing the right home tomorrow. Don't wait, get the facts now.

In this episode of the "9innigns Podcast," Kevin Thompson, founder and CEO of 9i Capital Group, analyzes the Federal Reserve's recent 25 basis point rate cut. He explains that while the cut aims to stimulate economic growth, its impact on consumers is minimal due to high borrowing costs and tight lending standards. Thompson highlights that the primary beneficiary is the U.S. government, which can refinance its debt more cheaply. He also clarifies that mortgage rates are unlikely to fall significantly, as they are driven by broader market forces rather than the Fed's short-term rate adjustments.Limited Consumer Impact of Rate Cut (00:02:35)Government as Main Beneficiary (00:03:59)Mortgage Rates and Market Forces (00:05:05)Economic Contradictions and Realities (00:06:17)Fed's Balancing Act and Overheating Risks (00:07:39)Summary and Sticky Inflation Warning (00:09:10)Closing Remarks and Call to Action (00:11:51)NEWSLETTER (WHAT NOW): https://substack.com/@9icapital?r=2eig6s&utm_campaign=profile&utm_medium=profile-page Follow Us: youtube: / @9icapLinkedin: / kevin-thompson-ricp%c2%ae-cfp%c2%ae-74964428 facebook: / mlb2cfp Buy MLB2CFP Here: https://www.amazon.com/MLB-CFP%C2%AE-90-Feet-Counting-ebook/dp/B0BLJPYNS4 Website: http://www.9icapitalgroup.com Hit the subscribe button to get new content notifications. Corrections: Editing by http://SwoleNerdProductions.com Disclosure: https://sites.google.com/view/9idisclosure/disclosure

Links & ResourcesFollow us on social media for updates: ⁠⁠Instagram⁠⁠ | ⁠⁠YouTube⁠⁠Check out our recommended tool: ⁠⁠Prop Stream⁠⁠Thank you for listening!

Join Antony Davies, director of economic research at CFC, as he looks at a scenario where the Fed's recent rate cut could even be bad for long-term loans. Contact the Economic & Market Watch team at economicresearch@nrucfc.coop. Visit us, download the dashboard and intelligence brief and explore other Solutions media on our website, nrucfc.coop/Solutions. 

This Flashback Friday is from episode 427 published last October 17, 2014 On today's Creating Wealth Show, Jason Hartman talks about the vital side of investing that is construction cost. As an investor within real estate, it's so important to know the situation, whether it be adjusting how much you pay contractors to match with the area itself or knowing just how much the replacements to your property would be compared with the actual cost price. Senate Libertarian candidate, Sean Haugh, features as Jason's guest and together, they discuss the viability of war, the need for America to prove itself as a haven of free trade and prosperity and some of the most important points forming the basis of Haugh's upcoming campaign.     Follow Jason on TWITTER, INSTAGRAM & LINKEDIN Twitter.com/JasonHartmanROI Instagram.com/jasonhartman1/ Linkedin.com/in/jasonhartmaninvestor/ Call our Investment Counselors at: 1-800-HARTMAN (US) or visit: https://www.jasonhartman.com/ Free Class:  Easily get up to $250,000 in funding for real estate, business or anything else: http://JasonHartman.com/Fund CYA Protect Your Assets, Save Taxes & Estate Planning: http://JasonHartman.com/Protect Get wholesale real estate deals for investment or build a great business – Free Course: https://www.jasonhartman.com/deals Special Offer from Ron LeGrand: https://JasonHartman.com/Ron Free Mini-Book on Pandemic Investing: https://www.PandemicInvesting.com

Jason addresses investors, first focusing on personal finance issues like taxes then discusses the current state and future of the housing market. He shares optimistic news regarding Federal Reserve rate cuts and the resulting positive impact on housing demand, predicting a surge in potential buyers and subsequent bidding wars due to low inventory. Furthermore, Jason presents data suggesting that existing homeowners are not in distress, indicating that a housing crash is unlikely, and notes that institutional investors are actively acquiring properties. Jason concludes by promoting an upcoming investor JHU event, property tour, and educational session focusing on real estate opportunities, including co-living, and invites listeners to join his Wednesday Masterclass. Jason welcomes Jack Evans, an enrolled agent and founder of Jack's Tax, to discuss tax strategies for real estate investors and the differences between CPAs and enrolled agents. Jack explains that enrolled agents are federally licensed tax professionals who focus on tax law, unlike CPAs who are state-licensed and perform business audits. He argues that enrolled agents may know tax law better than CPAs since they are not distracted by business operations. https://www.jax-tax.com/ #JackEvans #JacksTax #EnrolledAgent #CPA #TaxLaw #TaxCode #RealEstate #RealEstateInvesting #CreatingWealth #Taxes #Depreciation #TaxBenefits #TaxDeduction #LongTermRentals #ShortTermRentals #PassiveIncome #ActiveIncome #CommercialRealEstate #CostSegregation #CostSeg #DepreciationRecapture #CapitalGains #1031Exchange #TaxDeferral #SteppedUpBasis #RefiTillYouDie #CashOutRefi #DST #DelawareStatutoryTrust #OpportunityZones #IRS #TaxStrategies #NonCashWriteOff #Form8582 #BuyAndHold #MaterialParticipation Key Takeaways: Jason's editorial  What is your biggest leak 2:00 Rate cuts! 4:27 I got some personal news 5:22 Chart: Owner RE occupied assets & liabilities 7:44 Institutional investors are buying properties 8:42 Join us at the JHU event JasonHartman.com.Phoenix 10:31 Check our Ai Bot JasonHartman.com/Ai 11:37 Join our Wednesday Masterclasses every second Wednesday of each month JasonHartman.com/Wednesday   Jack Evans interview  12:31 Difference between CPAs and EAs 14:15 Meet Jack, depreciation and passive income 20:27 Cost seg studies 23:57 Long term depreciation analysis 28:00 10:31 Exchange benefits 29:35 Beautiful things about real estate and the DST 30:50 Jack's Tips to living the dream   Follow Jason on TWITTER, INSTAGRAM & LINKEDIN Twitter.com/JasonHartmanROI Instagram.com/jasonhartman1/ Linkedin.com/in/jasonhartmaninvestor/ Call our Investment Counselors at: 1-800-HARTMAN (US) or visit: https://www.jasonhartman.com/ Free Class:  Easily get up to $250,000 in funding for real estate, business or anything else: http://JasonHartman.com/Fund CYA Protect Your Assets, Save Taxes & Estate Planning: http://JasonHartman.com/Protect Get wholesale real estate deals for investment or build a great business – Free Course: https://www.jasonhartman.com/deals Special Offer from Ron LeGrand: https://JasonHartman.com/Ron Free Mini-Book on Pandemic Investing: https://www.PandemicInvesting.com

The Federal Reserve just made a 25 basis point rate cut and signaled two more cuts by the end of the year. What does this mean for mortgage rates, home buyers, and sellers? In this video, we break down how these changes could impact the housing market, why now may be a key window for sellers, and how buyers can prepare for increased competition ahead. Don't miss this timely market insight!

In this episode of "The People That Titles Podcast," hosts Steve Kaempf and Matt Lombardi discuss Compass's acquisition of Anywhere Real Estate, exploring its impact on private listings, agent empowerment, and brand integration. They also cover the Federal Reserve's recent interest rate cut, the “Saving the American Dream Act,” and insights on NAR's new leadership.Compass Acquires Anywhere Real Estate (00:00:00)Market Reacti0n and Deal Details (00:01:30)Leadership Comments and Brand Integration (00:03:00)Private Listings Debate (00:04:00)Agent Empowerment and Company Culture (00:05:49)Brand Legacy and Agent Decisions (00:06:50)Federal Reserve Rate Cut (00:08:00)Economic Factors and Mortgage Rates (00:08:53)Saving the American Dream Act (00:11:23)Industry Support and Government Modernization (00:13:10)NAR CEO Nakia Wright's Vision (00:14:09)NAR Advocacy and Member Support (00:17:01)Communication Challenges and Looking Ahead (00:19:08)American Real Estate Association Growth (00:20:47)Zillow Lawsuit: Flex Referral Program (00:22:51)Alleged Buyer Deception and Commission Impact (00:24:19)Zillow's Response and Industry Impact (00:25:29)NAR 2025 Technology Survey Highlights (00:26:49)AI and Technology Adoption in Real Estate (00:30:13)Cryptocurrency in Real Estate (00:31:46)NAR Membership and Technology's Future (00:32:44)Podcast Guest: Mike Anselmo Interview (00:33:57)Chicago Sports Recap: Bears, Browns, Cubs (00:34:18)Podcast Closing and Sponsor Message (00:36:49)Full episodes available at www.peoplenottitles.comPeople, Not Titles podcast is hosted by Steve Kaempf and is dedicated to lifting up professionals in the real estate and business community. Our inspiration is to highlight success principles of our colleagues.Our Success Series covers principles of success to help your thrive!www.peoplenottitles.comIG - https://www.instagram.com/peoplenotti...FB - https://www.facebook.com/peoplenottitlesTwitter - https://twitter.com/sjkaempfSpotify - https://open.spotify.com/show/1uu5kTv...

On this TCAF Tuesday, Josh Brown welcomes Telis Demos, writer for Heard on the Street and co-host of The Wall Street Journal's Take on the Week podcast to discuss: mortgage rates falling, the TikTok deal, record margin debt, JPMorgan credit card spending, the new threat facing active fund managers, Private market investments coming into 401(k)'s, and much more! Then at 43:22 hear an all-new episode of What Are Your Thoughts with ⁠⁠⁠⁠⁠⁠⁠Downtown Josh Brown⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠Michael Batnick⁠⁠⁠⁠⁠⁠⁠! This episode is sponsored by Betterment Advisor Solutions. Grow your RIA, your way by visiting: https://Betterment.com/advisors Sign up for ⁠⁠⁠⁠⁠⁠⁠The Compound Newsletter⁠⁠⁠⁠⁠⁠⁠ and never miss out! Instagram: ⁠⁠⁠⁠⁠⁠⁠https://instagram.com/thecompoundnews⁠⁠⁠⁠⁠⁠⁠ Twitter: ⁠⁠⁠⁠⁠⁠⁠https://twitter.com/thecompoundnews⁠⁠⁠⁠⁠⁠⁠ LinkedIn: ⁠⁠⁠⁠⁠⁠⁠https://www.linkedin.com/company/the-compound-media/⁠⁠⁠⁠⁠⁠⁠ TikTok: ⁠⁠⁠⁠⁠⁠⁠https://www.tiktok.com/@thecompoundnews⁠⁠⁠⁠⁠⁠⁠ Investing involves the risk of loss. This podcast is for informational purposes only and should not be or regarded as personalized investment advice or relied upon for investment decisions. Michael Batnick and Josh Brown are employees of Ritholtz Wealth Management and may maintain positions in the securities discussed in this video. All opinions expressed by them are solely their own opinion and do not reflect the opinion of Ritholtz Wealth Management. The Compound Media, Incorporated, an affiliate of ⁠⁠⁠⁠⁠⁠⁠Ritholtz Wealth Management⁠⁠⁠⁠⁠⁠⁠, receives payment from various entities for advertisements in affiliated podcasts, blogs and emails. Inclusion of such advertisements does not constitute or imply endorsement, sponsorship or recommendation thereof, or any affiliation therewith, by the Content Creator or by Ritholtz Wealth Management or any of its employees. For additional advertisement disclaimers see here ⁠⁠⁠⁠⁠⁠⁠https://ritholtzwealth.com/advertising-disclaimers⁠⁠⁠⁠⁠⁠⁠. Investments in securities involve the risk of loss. Any mention of a particular security and related performance data is not a recommendation to buy or sell that security. The information provided on this website (including any information that may be accessed through this website) is not directed at any investor or category of investors and is provided solely as general information. Obviously nothing on this channel should be considered as personalized financial advice or a solicitation to buy or sell any securities. See our disclosures here: ⁠⁠⁠⁠⁠⁠⁠https://ritholtzwealth.com/podcast-youtube-disclosures/⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices

In this week's episode of FTR's Trucking Market Update podcast, we dig into some key freight-related economic indicators, including manufacturing production, retail sales, and inventories. Plus, we recap the week in the spot market for truck freight as usual. The Trucking Market Update is hosted by FTR's Vice President of Trucking, Avery Vise. As this information is presented, you are welcome to follow along and look at the graphs and indicators yourself by downloading the presentation.Download the PDF: https://ftrintel.com/trucking-podcast Support the show

This episode is sponsored by…BLUPRINT HOME LOANS:Get pre-approved with one of RTR's preferred lenders at https://bluprinthomeloans.com/renttoretirement/Mortgage rates are finally trending down after years of volatility—what does this mean for real estate investors?In this episode of the Rent To Retirement Podcast, host Adam Schroeder sits down with Jeff Welgan, VP of Investor Lending at Bluprint Home Loans, to break down the latest updates in the mortgage world and what investors should be doing right now.

Your 60-second money minute. Today's topic: Fed Cut Rates, Mortgage Rates Went UP Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

This episode is sponsored by…BLUPRINT HOME LOANS:Get pre-approved with one of RTR's preferred lenders at https://bluprinthomeloans.com/renttoretirement/Mortgage rates are finally trending down after years of volatility—what does this mean for real estate investors?In this episode of the Rent To Retirement Podcast, host Adam Schroeder sits down with Jeff Welgan, VP of Investor Lending at Bluprint Home Loans, to break down the latest updates in the mortgage world and what investors should be doing right now.

When you refinance your mortgage in 2025, there are both tax implications and opportunities for deductions that can boost your savings. Today's Stocks & Topics: Salesforce Inc. (CRM), Market Wrap, Market Wrap, FactSet Research Systems Inc. (FDS), iShares MSCI Agriculture Producers ETF (VEGI), Mortgage Refinance in 2025? These Tax Breaks Can Boost Your Savings, KPP Newsletter, ProShares Ultra Bloomberg Natural Gas (BOIL), Key Benchmark Numbers: Treasury Yields, Gold, Silver, Oil and Gasoline, Mortgage Rates, Commodities, Berkshire Hathaway Inc. (BRK-B), NVIDIA Corporation (NVDA), Newmont Corporation (NEM).Our Sponsors:* Check out Anthropic: https://claude.ai/INVEST* Check out Gusto: https://gusto.com/investtalk* Check out TruDiagnostic and use my code INVEST for a great deal: https://www.trudiagnostic.comAdvertising Inquiries: https://redcircle.com/brands

This Flashback Friday is from episode 431 published last October 28, 2014. The impact of technology and the future of development plays a big part in today's Creating Wealth Show. Jason Hartman talks about America's growing role in this changing society, and makes particular note of the ever-increasing contributions of Generation Y.  Later, he invites Consuelo Mack of WealthTrack on to give her thoughts about China's current state, the importance of a diverse investment portfolio and where technology will lead us in 15 years' time.   Follow Jason on TWITTER, INSTAGRAM & LINKEDIN Twitter.com/JasonHartmanROI Instagram.com/jasonhartman1/ Linkedin.com/in/jasonhartmaninvestor/ Call our Investment Counselors at: 1-800-HARTMAN (US) or visit: https://www.jasonhartman.com/ Free Class:  Easily get up to $250,000 in funding for real estate, business or anything else: http://JasonHartman.com/Fund CYA Protect Your Assets, Save Taxes & Estate Planning: http://JasonHartman.com/Protect Get wholesale real estate deals for investment or build a great business – Free Course: https://www.jasonhartman.com/deals Special Offer from Ron LeGrand: https://JasonHartman.com/Ron Free Mini-Book on Pandemic Investing: https://www.PandemicInvesting.com

On today's episode, Editor in Chief Sarah Wheeler talks with Lead Analyst Logan Mohtashami about mortgage rates rising 15 basis points following the Fed rate cut. The two also talk about what to expect next. Related to this episode: Mortgage rates go wild following Fed rate cut and Powell remarks | HousingWire ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠HousingWire | YouTube⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠More info about HousingWire⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Enjoy the episode! The HousingWire Daily podcast brings the full picture of the most compelling stories in the housing market reported across HousingWire. Each morning, listen to editor in chief Sarah Wheeler talk to leading industry voices and get a deeper look behind the scenes of the top mortgage and real estate stories. Hosted and produced by the HousingWire Content Studio. Learn more about your ad choices. Visit megaphone.fm/adchoices

Links & ResourcesFollow us on social media for updates: ⁠⁠Instagram⁠⁠ | ⁠⁠YouTube⁠⁠Check out our recommended tool: ⁠⁠Prop Stream⁠⁠Thank you for listening!

Mortgage rate drops, the widening gender wage gap, a $50B mining merger, labor market surprises, tariff turmoil, and a major tech whistleblower case. Discover how these shifts could impact your investments, retirement, and financial plan. Don't miss these insights and actionable takeaways for more clarity in today's market.  --------------- Complimentary ‘Retiring Right' ebook: https://falconwealthadvisors.com/jake-falcon-book-signup.html?utm_source=podcast&utm_medium=content&utm_campaign=rr_ebook  Subscribe to our weekly newsletter: https://falconwealthadvisors.com/index.html?utm_source=podcast&utm_medium=content&utm_campaign=newsletter_subscribe#ID2GUSO1Sj8Upy1QWdqVxHOM  Contact our team: https://falconwealthadvisors.com/contact.html?utm_source=podcast&utm_medium=content&utm_campaign=contact_us#ID6rJkMgTJ1jVvl9lxUsddri --------------- Upticks is your podcast for financial planning insights. Hosted by Jake Falcon, CRPC™ and Cory Bittner, CRPC™, who discuss the philosophy of wealth management, exploring tailored retirement plans, tax planning, and timely industry topics. Join us for concise, understandable discussions that help empower your financial literacy. --------------- Connect with Jake Falcon, CRPC™ https://www.facebook.com/jake.falcon.524         https://www.instagram.com/jake_falcon_crpc/?hl=en         https://twitter.com/jakefalconcrpc         https://www.linkedin.com/in/jakefalconfalconwealthadvisors     #mortgagerates #housingmarket #genderwagegap #miningmerger #laborstatistics #tariffnews #cybersecurity #financialplanning #investmentstrategy #marketinsights

In this episode, we explore how successful individuals make a powerful shift in perspective—from seeing money as an end goal to a tool for unlocking opportunities and building sustainable, long-term wealth. Today's Stocks & Topics: SBSW - Sibanye Stillwater Limited ADR, GOOG - Alphabet Inc., Market Wrap, The Millionaire Mindset: How Successful People Think About Money, ETFs that Pay Weekly Dividend, Stock Support, BIIB - Biogen Inc., Mortgage Rates, BHP - BHP Group Limited ADR, RIO - Rio Tinto plc ADR.Our Sponsors:* Check out Anthropic: https://claude.ai/INVEST* Check out TruDiagnostic and use my code INVEST for a great deal: https://www.trudiagnostic.comAdvertising Inquiries: https://redcircle.com/brands

Later today, we'll get a sense of where mortgage interest rates are right now from the Mortgage Bankers Association. And we'll learn whether Federal Reserve policymakers cut interest rates and by how much. Thing is, the Fed's rate-cut decision might not reduce mortgage rates, because they've already come down in anticipation. Plus, Microsoft invests billions in the U.K.'s AI industry. And later, we'll hear why U.S. per capita emissions fell 30% in the last two decades.

Later today, we'll get a sense of where mortgage interest rates are right now from the Mortgage Bankers Association. And we'll learn whether Federal Reserve policymakers cut interest rates and by how much. Thing is, the Fed's rate-cut decision might not reduce mortgage rates, because they've already come down in anticipation. Plus, Microsoft invests billions in the U.K.'s AI industry. And later, we'll hear why U.S. per capita emissions fell 30% in the last two decades.

Sign up for the Jason Hartman University Event this coming September https://www.jasonhartman.com/Phoenix . Jason talks about political violence and media coverage, followed by an analysis of the housing market and recent rate cuts. He introduced various investment opportunities, including co-living properties and home equity investments, while discussing upcoming economic developments and the launch of an AI chatbot tool. He ends with information about upcoming events in Phoenix and encourages listeners to utilize the free AI resource for financial advice and market analysis. Jason then welcomes Kevin Erdmann, author and housing analyst, where he challenges the common belief that an oversupply of housing caused the 2008 Great Recession. Erdman argues that a housing shortage, particularly in coastal regions, led to migration and subsequent demand spikes in other areas like Phoenix and Las Vegas. He attributes the 2008 crisis and the ensuing market collapse primarily to the federal government's tightening of mortgage availability, not an overbuilt market. Erdmann also discusses the current and future state of the housing market, asserting that a significant housing shortage persists and will take many years to resolve, influencing factors like rent inflation, household formation, and even fertility rates. #KevinErdman #HousingShortage #GreatRecession #MortgageCrackdown #RegulatoryCrackdowns #PopulationGrowth #HouseholdFormation #RentInflation #RegionalShortages #MigrationEvent #HousingCrisis #ConstructionTrends #FailureToLaunch #ExpertsAreWrong   https://kevinerdmann.substack.com/   Key Takeaways: Jason's editorial 1:27 Charlie Kirk the fascist 4:34 Seek out alternative news source 7:47 Rate cut; a little, too late 9:00 Join us at Phoenix https://www.jasonhartman.com/Phoenix  12:04 Very motivated builders 13:16 https://JasonHartman.com/Ai   Kevin Erdmann interview 16:43 The reason we went into a recession 29:56 Sponsor: https://www.monetary-metals.com/Hartman 30:29 What is the state of the housing market currently 39:21 Chart: Housing inventory 47:32 Fertility and singing a different tune  by 2040   Follow Jason on TWITTER, INSTAGRAM & LINKEDIN Twitter.com/JasonHartmanROI Instagram.com/jasonhartman1/ Linkedin.com/in/jasonhartmaninvestor/ Call our Investment Counselors at: 1-800-HARTMAN (US) or visit: https://www.jasonhartman.com/ Free Class:  Easily get up to $250,000 in funding for real estate, business or anything else: http://JasonHartman.com/Fund CYA Protect Your Assets, Save Taxes & Estate Planning: http://JasonHartman.com/Protect Get wholesale real estate deals for investment or build a great business – Free Course: https://www.jasonhartman.com/deals Special Offer from Ron LeGrand: https://JasonHartman.com/Ron Free Mini-Book on Pandemic Investing: https://www.PandemicInvesting.com

Send us a textIs the Fed About to Make a Huge Move? How does it effect you as a homebuyer? In this eye-opening episode of the Key Factors Podcast – Real Estate AF, host Mark Jones is joined by John Hudson and Brianna Jones to dig deep into the current mortgage climate, financial literacy, and buyer behavior in a volatile market. The trio explores how fear of rejection, lack of trust in lenders, and financial misinformation are keeping 85% of potential homebuyers on the sidelines—even as rates drop.They break down the true relationship between Fed rate cuts and mortgage rates, challenge the house-poor mindset, and share how tools like LoanBot empower consumers through transparency and options. From the generational wealth gap and 40-year mortgages to the failure of schools to teach basic finance, this episode delivers hard truths and helpful guidance in equal measure.

On today's episode, Editor in Chief Sarah Wheeler talks with Lead Analyst Logan Mohtashami about the new drop in mortgage rates and whether the Fed rate cut has already been priced in. Related to this episode: Have Fed rate cuts already been priced into mortgage rates? | HousingWire ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠HousingWire | YouTube⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠More info about HousingWire⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Enjoy the episode! The HousingWire Daily podcast brings the full picture of the most compelling stories in the housing market reported across HousingWire. Each morning, listen to editor in chief Sarah Wheeler talk to leading industry voices and get a deeper look behind the scenes of the top mortgage and real estate stories. Hosted and produced by the HousingWire Content Studio. Learn more about your ad choices. Visit megaphone.fm/adchoices

EXCLUSIVE: Is your money safe in today's economy? In this bonus interview, Paula Pant sits down with financial expert Rob Berger to unpack the latest on inflation, interest rates, market valuations, and the future of Social Security. Together, Paula and Rob dive into the tough questions: Is the American Dream dead for Gen Z? Will there be another market crash? How should you invest when stocks feel overpriced? Can you still retire comfortably if Social Security gets cut? Rob also shares his insights on asset allocation, diversification, and long-term investing strategies — advice that matters whether you're in your 20s saving for a first home or in your 60s planning for retirement. Don't miss this conversation between Paula Pant and Rob Berger — a deep dive into money, markets, and the decisions that shape your financial future. Timestamps: (04:19) CPI Numbers, Mortgage Rates, and Market Outlook (05:05) Inflation, Jobs & the Fed's Dilemma (05:46) Stagflation Concerns (06:38) Interest Rate Predictions (07:29) Stock Market Valuations & The Magnificent Seven (09:46) Diversification & Index Fund Concerns (10:53) Rules of Thumb for Asset Allocation (12:07) Bonds: TIPS vs. Nominal Treasuries (13:04) The Future of Social Security (14:41) Retirement Planning for Ages 55–60 (16:59) Should You Invest More Aggressively Near Retirement? (18:52) Gen Z, Millennials & the American Dream (21:08) Action Plan for a 25-Year-Old Buyer (22:45) Predictions for 2026 (and Why Predictions Fail) (25:12) Closing Thoughts & Where to Find Rob Berger Resources mentioned: The Rob Berger Show on YouTube Free Asset Location Cheat-Sheet Learn more about your ad choices. Visit podcastchoices.com/adchoices

For investors looking to make sense of housing-related assets amidst changes in Fed policy stance, our co-heads of Securitized Product Research Jay Bacow and James Egan offer their perspective on mortgage rates and the market.Read more insights from Morgan Stanley.----- Transcript ----- James Egan: Welcome to Thoughts on the Market. I'm Jim Egan, co-head of Securitized Products Research at Morgan Stanley.Jay Bacow: I'm Jay Bacow, the other co-head of Securitized Products Research at Morgan Stanley.Today we're talking about the Fed, mortgage rates and the implications to the housing market.It's Monday, September 15th at 11:30am in New York.Now Jim, the Fed is meeting on Wednesday, and both our economists and the market are expecting them to cut rates in this meeting – and continue to cut rates at least probably two more times in 2025, and multiple times in 2026. We've talked a lot about the challenges and the affordability in the U.S. homeowners' market, in the U.S. mortgage market.Before we get into what this could help [with] the affordability challenges, how bad is that affordability right now?James Egan: Sure. And as we've discussed on this podcast in the past, one of the biggest issues with the affordability challenges in the U.S. housing market specifically is how it's fed through to supply issues as the lock-in effect has kept homeowners with low 30-year mortgage rates from listing their homes.But just how locked in does the market remain today? The effective rate on the outstanding mortgage market, kind of the average of the mortgages outstanding, is below 4.25 percent. The prevailing rate for 30-year mortgages today is still over 6.25 percent, so we're talking about two full percentage points, 200 basis points outta the money.Jay Bacow: And that seems like a lot. Has it been that way in the past?James Egan: If we look at roughly 40 years of data ending in 2022, the market was only 100 basis points outta the money for eight individual quarters. The most it was ever out of the money was 135 basis points. We have now been more than 200 basis points out of the the money for three entire years, 12 consecutive quarters. So, this is very unprecedented in the past several decades.But Jay, our economists are calling for Fed cuts, the market's pricing in Fed cuts. How much lower is the mortgage rate going for these affordability equations?Jay Bacow: We actually don't think that the Fed cutting rates necessarily is going to cause the mortgage rate to come down at all. And one way we can think about this is if we look at it, the Fed has already cut rates 100 basis points over the past year, and since the Fed has cut rates 100 basis points in the past year, the mortgage rate is 25 basis points higher.James Egan: Okay, so if I'm not going to be looking at Fed funds for the path of mortgage rates going forward, I have two questions for you.One, what part of the Treasury term structure should I be looking at? And two, you talked about the market pricing in Fed cuts from here. What is the market saying about where those rates will be in the future?Jay Bacow: So, mortgage rates are much more sensitive to the belly of the Treasury curve. Call it the 5- and 10-year portions than Fed funds. They have a little bit of sensitivity to the third year note as well. And when we think about what the market is expecting those portions of the Treasury curve to do, I apologize, I'm going to have to nerd out. Fortunately, being a nerd comes very naturally to me.If you look at the spread between the 5- and the 10-year portion of the treasury curve, 10 years yield about 50 basis points more than the 5-year note. So, you think about it, an investor could buy a 10-year note now. Or they could buy a 5-year note now and then another 5-year note in five years, and they should expect to get the same return if they do either one.So, if they buy the 10-year note right now at 50 basis points above where the 5-year note is. Or they buy the 5-year note, right now, the 5-year note in five years would have to yield 100 basis points above to get the average to be the same. Well, if the 5-year note in five years is 100 basis points above where the 5-year note is right now, mortgage rates are also probably going to be higher in five years.James Egan: Okay, so that's not helping the affordability issues. What can be done to lower mortgage rates from here?Jay Bacow: Well, going back to my inner nerd, if you brought the 5- and 10-year Treasury yields down, that would certainly be helpful. But mortgage rates aren't just predicated on where the Treasury yields are.There's also a risk premium on top of that. And so, if the mortgage originators can sell those loans to other investors at a tighter spread, that would also help bring the rate down. And there are things that can be done on that front. So, for instance, if the capital requirements for investors to own those mortgages go down, that would certainly be helpful.You could try to incentivize investors in a number of different ways, that's one front. But in reality, a lot of these fees are already sort of stuck in place. So, there's only so much that can be done.Now, Jim, let's suppose. I am wrong. I've been wrong in the past. A lot of times with you. I thought the Patriots were gonna beat the Giants in both Super Bowls. Somehow Eli Manning proved me wrong.However, if the mortgage rate does come down, how much does it have to come down for housing activity to start picking up?James Egan: So, this is a question we get asked roughly six to seven times a day…Jay Bacow: How did Eli Manning beat the Patriots?James Egan: How far mortgage rates have to come down in order to really get housing sales started again. And because of the backdrop of today's housing and mortgage markets that we laid out at the top of this podcast, it's really difficult to empirically point to a mortgage rate and calculate this is where rates have to fall to.So, what we have been doing instead is looking at historic periods of affordability improvement, and seeing how much do we need to get that affordability ratio down to get a sustainable growth in sales volumes from here.Jay Bacow: All right. And how much do we have to get that affordability ratio down?James Egan: So, a sustainable increase; historically, we've needed about a 10 percent improvement in the affordability ratio…Jay Bacow: Alright, help me out here. I think about mortgage payments as more of a function of the rate level. So, if we're in the context of like 6.25, 6.5 right now, how far does the mortgage rate need to drop to get a 10 percent improvement? Assuming that there's no change in borrower's income or home prices.James Egan: In that world, we think you need about 100 basis point move. It would take the 30-year mortgage rate to call it, 5.5 percent.Jay Bacow: All right, so if mortgage rates go to 5.5 percent, then we're going to immediately see housing activity pickup.James Egan: That is not exactly what we're saying. What we've seen is the 10 percent improvement is enough to get sustainable growth in sales volumes. A year after you start to see that real improvement, the contemporaneous moves can be up, they can be down. Given what our economists are saying for the labor market going forward, what they're saying for growth in the United States, we do think you can see a little bit of contemporaneous growth.If you start to see that 100 basis point move in mortgage rates now, we think you'll get about a 5 percent increase in purchase volumes as we move through 2026 with the potential for upward inflection in 2027 from that 5 percent growth number – again, if we get that move in mortgage rates.Jay Bacow: Alright, so we expect the Fed to cut rates about 150 basis points over the next year and a half. It doesn't necessarily have to bring the mortgage rate down. But if the mortgage rate does go down to in the context of 5.5 percent, we should start to get a pickup in housing activity maybe the year after that.Jim, always a pleasure talking to you.James Egan: Pleasure talking to you too, Jay. And to all of you regularly hearing us out, thank you for listening to another episode of Thoughts on the Market.Jay Bacow: Please leave us a review or a like wherever you get this podcast and share your Thoughts on the Market with a friend or colleague today.James Egan: Go smash that subscribe button.

Mortgage rates have dropped to a new low for 2025, now averaging 6.27%. The surprising part? It happened even as inflation came in hotter than expected. The reason lies in a sudden spike in jobless claims, led by Texas, that shook bond markets and sent Treasury yields lower. In this episode, Kathy Fettke breaks down why labor data is outweighing inflation concerns, what continuing claims at a three-year high signal for the job market, and why bond traders are betting on a softer economy. You'll also learn what level of jobless claims could tip the U.S. into recession territory — and why the upcoming Fed meeting could be one of the most dramatic in years. JOIN RealWealth® FOR FREE https://realwealth.com/join-step-1  FOLLOW OUR PODCASTS Real Wealth Show: Real Estate Investing Podcast https://link.chtbl.com/RWS