Podcasts about refinance

The average rate for a 30-year fixed-rate mortgage fell 65bp between the beginning of June to the end of September, causing a mini refinancing boom from those who initially borrowed closer to this cycle's peak rates. Most borrowers still have mortgages with rates well below the current market rate, however, reinforcing the “mortgage lock” that has stifled housing market churn over the last few years. The Fed's policy path and longer-term interest rates will determine whether the housing market continues to thaw and how much prepayment risk there is for MBS investors. In this episode, we talk with Walt Schmidt, Manager of Mortgage Strategies with FHN Financial, about what's caused the recent decline in mortgage rates, what to expect for MBS prepayments in the coming months, and whether another refinance boom is on the horizon.

Is refinancing your short-term rental a smart move—or a trap that eats away your cash flow?In this episode of Cash Flow Positive, Kenny Bedwell sits down with veteran mortgage broker and STR financing expert Matt Stout. With over 32 years of lending experience and thousands of deals funded, Matt pulls back the curtain on when refinancing actually makes sense. From dropping interest rates and shifting housing trends to creative ways to redeploy “dead equity” into higher cash-flowing properties, this episode delivers the unvarnished truth about refinancing in today's market.You'll learn the right (and wrong) reasons to refinance, how to weigh costs versus cash flow, and why keeping versus selling a property can make or break your long-term wealth.Don't guess your way through one of the biggest financial decisions you'll face as an investor. Press play now to get Kenny and Matt's proven framework for knowing when to refinance and how to use it to build real generational wealth.About the GuestMatt Stout is “The STR Loan Guy” and founder of Consumers Financial, a mortgage brokerage licensed in 48 states. With over three decades in lending and a personal background in real estate investing, Matt specializes in STR and DSCR loans that help investors unlock equity and scale their portfolios. He's known for creative lending strategies, hybrid loan solutions, and his straight-shooting approach to helping investors win deals.

In this episode, Jesse Montano and Meghan Angley dive deeper into the Colorado Avalanche's preseason storylines. From Gavin Brindley's push for an NHL job at just 20 years old, to the instant chemistry between Brock Nelson and Gabriel Landeskog on the second line, there's plenty to unpack. The duo also takes a closer look at Sam Malinski's early struggles playing his left-side and why it's no cause for concern just yet. #ColoradoAvalanche #GoAvsGo #AvsNation #NathanMacKinnon #CaleMakar #GuerillaSports #Hockey #AvalancheHockey #MileHighHockey #AvsFans #Avalanche2025 #Mikko Rantanen #AvsGameDay #NHLHighlights #DenverSports #AvalancheForever #MakarMagic #HockeyInColorado #StanleyCup #NHL This show is brought to you by RefiJet Did you know you could refinance your auto loan? With RefiJet, you could save around $150 a month—all with just a soft credit pull and zero hassle. Lower payments, flexible terms, even cash back from your car's equity. RefiJet does the work, you get the savings. Start today at RefiJet.com! The Faster, Easier way to Refinance

Crash or Crack? Zillow's Legal Storm, CoStar Feud & Housing Market Mayhem FTC slaps Zillow & Redfin with an antitrust lawsuit The FTC accuses Zillow of paying Redfin $100 million to exit the rental advertising space, shutting down competition for nearly a decade. Redfin allegedly gave up ad partnerships, helped Zillow poach employees, and agreed to syndicate only Zillow's listings. What's at stake: advertising pricing power, renters' choice, and whether Big Tech in real estate just got too big. CoStar strikes back: Zillow accused of rampant photo theft CoStar claims Zillow unlawfully used more than 46,000 of its copyrighted photos — even with watermarks — across Zillow, Redfin, and Realtor.com syndication networks. Zillow has already started removing images at the center of the case. This could become one of the largest copyright battles the real estate industry has ever seen. Real estate data digest — warning signs everywhere • Pending home sales posted their first meaningful monthly decline in months, despite mortgage rates easing slightly. • Luxury home prices jumped 4% to a median of $1.25M, even as overall sales hit the lowest August level in more than a decade. • Starter-home sales are up, as buyers look for affordability in a shifting market.  • The share of mortgages with rates above 6% is at a 10-year high. • Refinance demand plunged 21% as rates hit a 3-week high.  • Even homeowners with sub-4% mortgages are on the move, often turning to new builds to lock in incentives. What this means for agents, buyers & markets going forward We break down the legal risks, competitive threats, and strategic pivots needed to survive in a volatile real estate tech era — plus some bold predictions for what comes next.

The Colorado Avalanche's preseason is heating up, and big questions are already emerging. In this episode, Jesse Montano and Meghan Angley dig into expectations for Brock Nelson and Martin Necas, including how Necas has been grinding extra power play reps with Nathan MacKinnon. New Avs assistant coach Dave Hakstol joins to discuss Nelson's development, his power play philosophy, and managing star players. We also break down the Avs' early power play struggles, with both units failing to click against Dallas, plus first impressions of Victor Olofsson, Brent Burns, and the long-awaited return of Gabriel Landeskog. Finally, we tackle the forward depth chart: will Ross Colton or Jack Drury win the 3C job? Can Zakhar Bardakov lock down the 4C role? And does Gavin Brindley's standout camp make things complicated for Colorado's bottom-six? #ColoradoAvalanche #GoAvsGo #AvsNation #NathanMacKinnon #CaleMakar #GuerillaSports #Hockey #AvalancheHockey #MileHighHockey #AvsFans #Avalanche2025 #Mikko Rantanen #AvsGameDay #NHLHighlights #DenverSports #AvalancheForever #MakarMagic #HockeyInColorado #StanleyCup #NHL This show is brought to you by RefiJet Did you know you could refinance your auto loan? With RefiJet, you could save around $150 a month—all with just a soft credit pull and zero hassle. Lower payments, flexible terms, even cash back from your car's equity. RefiJet does the work, you get the savings. Start today at RefiJet.com! The Faster, Easier way to Refinance 

Welcome to Dentist Money Two Cents, a look at the latest financial and economic news from the past week.
 On this episode of Dentist Money's Two Cents, Matt, Taylor, and Rabih explore the potential effects of a government shutdown on financial markets, the surge in gold prices, and when it makes sense to refinance loans. They discuss why markets often stay steady during political uncertainty, highlight the shifting role of gold in today's economy, and why refinancing decisions should be based on overall cash flow and costs—not just lower interest rates. Learn more about the Dentist Money Launchpad Program, join the waitlist to learn everything you didn't learn about money in dental school through a series of live courses built exclusively for D4s and recent grads! Book a free consultation with a CFP® advisor who only works with dentists. Get an objective financial assessment and learn how Dentist Advisors can help you live your rich life.

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

What does it take to steer a multi-million-dollar property through one of the toughest lending environments in decades? In this episode of the Real Estate Investor Podcast, we welcome longtime friend and investor Gody Khambatta. Gody is a research scientist working on cancer treatments, but for over 25 years, he has also been quietly building a substantial real estate portfolio. In our conversation, Gody shares how he grew from house hacking in San Diego to managing more than 400 units across Texas, and talks about his recent battle to recapitalize a 240-unit portfolio. He also discusses the realities of navigating bridge debt, rising interest rates, property tax exemption programs, and the tough decisions that ultimately led to a successful refinance. Join us for insights into pragmatic strategies on debt, asset management, and staying resilient through market swings, with Gody Khambatta. Tune in now!Key Points From This Episode:Welcoming Gody Khambatta, his background, and why he started investing in real estate.Hear how Gody was able to build his real estate portfolio from one property. His experience with recapitalization and what to consider about a bridge loan. Gody outlines how tax exemption programs in Texas can add significant value.The difference between local property tax exemptions and roamer property tax exemptions.Politics and regulatory hurdles he faced when trying to leverage the tax exemptions.Find out how Gody was able to find financing even though the tax exemption route failed.Discover why matching debt structure with long-term business plans is crucial. Learn about fixed-rate financing and how it can reduce exposure to market volatility. Links Mentioned in Today's Episode:Gody Khambatta on LinkedInGody Khambatta Email           Asset Management Mastery Facebook Group Invest SmartBreak of Day Capital Break of Day Capital InstagramBreak of Day Capital YouTubeGary Lipsky on LinkedIn

We interview Sarah Larbi, where she discusses her real estate investment journey: Sarah began with a "boring" buy and hold strategy, purchasing a small $129,000 house in Brantford with 20% down while working two jobs to save money. She progressed from basic buy-and-hold to BRRRR (Buy, Renovate, Rent, Refinance, Repeat), then expanded into short-term rentals with cottages in 2018, and eventually developed a resort in 2022. The importance of tenant screening after bad experiences, finding the right mortgage broker who understands investing, and evolving strategies with market changes - including mid-term rentals that generate 1.5-2.5x the income of long-term rentals. Get in touch with Sarah Larbi LIVE PODCAST TICKETS Exchange-Traded Funds (ETFs) | BMO Global Asset Management Buy & sell real estate with Ai at Valery.ca Get a mortgage pre-approval with Owl Mortgage LISTEN AD FREE free 1 week trial for Realist PremiumSee omnystudio.com/listener for privacy information.

On this Ask Suze & KT Anything episode, KT asks Suze your questions about funding your trust, the Must-Have Docs, Roths, and so much more. Watch Suze’s YouTube Channel Jumpstart financial wellness for your employees: https://bit.ly/SecureSave Protect your financial future with the Must Have Docs: https://bit.ly/3Vq1V3GGet your savings going with Alliant Credit Union: https://bit.ly/3rg0YioGet Suze’s special offers for podcast listeners at suzeorman.com/offerJoin Suze’s Women & Money Community for FREE and ASK SUZE your questions which may just end up on the podcast. Download the app by following one of these links: CLICK HERE FOR APPLE: https://apple.co/2KcAHbH CLICK HERE FOR GOOGLE PLAY: https://bit.ly/3curfMISee omnystudio.com/listener for privacy information.

From Wall Street to Main Street, the latest on the markets and what it means for your money. Updated regularly on weekdays, featuring CNBC expert analysis and sound from top business newsmakers. Anchored by CNBC's Jessica Ettinger. Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this episode of Money on My Mind, I dive into 17 powerful budgeting rules of thumb that will give you a clear roadmap for managing your money—whether you're just getting started or looking to refine your financial game.   From how much of your income should go toward a mortgage or rent, to the 50/30/20 rule, emergency funds, cars, student loans, and even how to handle windfalls, these are the guidelines that will keep you on track without overcomplicating things. I also share how these rules evolve as you build real wealth and why financial freedom often changes the “game” you're playing.   This is practical, actionable advice that you can apply today to build discipline, avoid common money traps, and set yourself up for long-term success.   Key Talking Points of the Episode   00:00 Introduction 00:53 Rule #1: Mortgage payment ≤ 25% of take-home pay (exceptions up to 30%) 03:01 Rule #2: Home price = 3–5x annual gross income 03:37 Rule #3: Refinance if rates drop ≥ 1% 04:20 Rule #4: Save 1% of home value annually for maintenance 05:10 Rule #5: Rent ≤ 25% of take-home pay 05:44 Rule #6: Pay off debt vs. invest: when each makes sense 06:55 Rule #7: Total debt ≤ 36% of gross income (DTI ratio) 07:22 Rule #8: Student loans ≤ starting salary 08:00 Rule #9: Cars: cash preferred, or follow the 20/4/10 rule 09:17 Rule #10: Lifetime cost of a car = 3x sticker price 11:11 Rule #11: Replace car when repairs > car's value 11:46 Rule #12: Emergency fund = 3–6 months of expenses 12:52 Rule #13: The 50/30/20 rule: needs, wants, and savings/investments 13:35 Rule #14: The 30-day rule for big purchases 14:14 Rule #15: Food budget = 10–15% of gross income 15:10 Rule #16: Windfalls: spend 1–5% on fun, invest the rest toward goals 16:37 Rule #17: Estimate annual income: hourly wage × 2, add 3 zeros 17:32 Why these rules matter more in the beginning stages of wealth building 18:00 How financial freedom changes the rules beyond budgeting basics 21:53 Final thoughts: mastering each stage of wealth and knowing when to level up   Quotables   “If you can stay within these rules of thumb, you're going to do really, really well—even if you're not perfect.”   “A mortgage should be a blessing, not a curse.”   “Discipline is what separates those who win with money from those who struggle.”   Links   The Roadmap to Financial Freedom https://budgetdogacademy.com/order-now   Budgetdog https://budgetdog.com

The Colorado Avalanche kicked off the Preseason with a Split-Squad double-header on Sunday as they knocked off the Utah Mammoth TWICE. Gabe Landeskog stepped up when Cale Makar took a hit up high, how does his impact change the Avs? #GoAvsGo #ColoradoAvalanche #AvsNation #NHL #NHLTrainingCamp #AvsProspects #RookieTournament #OffIcePodcast #AvsHockey #StanleyCup This show is brought to you by RefiJet Did you know you could refinance your auto loan? With RefiJet, you could save around $150 a month—all with just a soft credit pull and zero hassle. Lower payments, flexible terms, even cash back from your car's equity. RefiJet does the work, you get the savings. Start today at RefiJet.com! The Faster, Easier way to Refinance

Home Loans Radio 09.20.2025 with That Mortgage Guy Don- Rates are the lowest they have been in 3 years!

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 week's market spotlight is on the Federal Reserve, as they cut the Fed Funds rate by 0.25 percentage points—and, perhaps more importantly, signaled what could be ahead for future rate cuts. We also dig into the latest Retail Sales and Consumer Sentiment data.After the break, we shift gears to mortgage rates with Shanna Squires from Henssler Mortgage Advisors. She shares insights on how quickly Fed rate changes filter into the mortgage market, what that timing means for homeowners, and when refinancing may be the right move. We'll also discuss how locking in a lower rate could lead to meaningful long-term savings.Finally, we tackle a listener question about launching a business. With more than $1 million in investments and $250,000 in cash, but needing $500,000 to get started, what's the smartest way to fund the venture? We weigh the pros and cons of tapping into cash and investments versus exploring options like a business loan or private equity—all while keeping his overall financial plan, cash flow, retirement, and long-term goals in focus.Join hosts Nick Antonucci, CVA, CEPA, Director of Research, and Managing Associates K.C. Smith, CFP®, CEPA, and D.J. Barker, CWS®, and Kelly-Lynne Scalice, a seasoned communicator and host, on Henssler Money Talks as they explore key financial strategies to help investors navigate market uncertainty. Henssler Money Talks — September 20, 2025  |  Season 39, Episode 38Timestamps and Chapters6:31: Reviewing “Up in Smoke”14:03: Fed Rate Cuts, Retail Sales and Consumer Sentiment28:12: Time to Refinance? Looking at Mortgage Rate Movements41:21: Funding in Focus: Pros and Cons of Raising CapitalFollow Henssler:  Facebook: https://www.facebook.com/HensslerFinancial/ YouTube:  https://www.youtube.com/c/HensslerFinancial LinkedIn: https://www.linkedin.com/company/henssler-financial/ Instagram: https://www.instagram.com/hensslerfinancial/ TikTok: https://www.tiktok.com/@hensslerfinancial?lang=en X: https://www.x.com/hensslergroup  “Henssler Money Talks” is brought to you by Henssler Financial. Sign up for the Money Talks Newsletter: https://www.henssler.com/newsletters/ 

The Federal Reserve has finally cut rates. Will mortgage rates follow? If you've been waiting to rate lock or refinance, is now the time, or does the market think we have even further to fall?  With inflation coming down from past years' peaks and unemployment slowly ticking up, the Fed made the decision everyone was waiting for: cut rates…cautiously. There are still more 2025 rate cuts lined up, but they may not have the effect on mortgage rates that many people think. Many expect mortgage rates could dip into the mid-5% range by late 2025—Dave isn't so sure. Today, we're giving you a full recap of the Fed meeting and their announcement, what current mortgage rates are, and interest rate predictions for the rest of 2025 and into 2026. Plus, Dave shares who should consider rate locking and refinancing right now as mortgage rates have fallen over the past couple of months.  If you missed the Fed meeting, don't worry, this episode will get you up to speed! In This Episode We Cover The Fed's recent rate cut announcement and where mortgage rates are today Mortgage interest rate predictions and whether we'll dip into the 5%-range by the end of 2025 Who should rate lock and refinance now, given that rates may go back up (what Dave would do) Future Fed rate cuts and where current Fed members think we'll be in 2026, 2027, and beyond The two scenarios that could lead to us seeing 5% mortgage rates again And So Much More! Check out more resources from this show on ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠BiggerPockets.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.biggerpockets.com/blog/real-estate-1176 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

Jesse Montano and Meghan Angley are BACK to round out your week as Day 2 of Colorado Avalanche training camp wrapped up. The two are joined today by Colorado Avalanche Forward Ross Colton as they talk through what last season was like for him, what excites him about this year's team, and what he is looking to bring to Colorado's Middle-six along with potential line mates Jack Drury and Victor Olofsson #GoAvsGo #ColoradoAvalanche #AvsNation #NHL #NHLTrainingCamp #AvsProspects #RookieTournament #OffIcePodcast #AvsHockey #StanleyCup This show is brought to you by RefiJet Did you know you could refinance your auto loan? With RefiJet, you could save around $150 a month—all with just a soft credit pull and zero hassle. Lower payments, flexible terms, even cash back from your car's equity. RefiJet does the work, you get the savings. Start today at RefiJet.com! The Faster, Easier way to Refinance  

Jesse Montano and Meghan Angley are LIVE from Ball Arena right after the Avalanche wrapped up Media Day Availability. The pair unpack everything they heard, and preview tomorrow's first on-ice day at Training Camp. #GoAvsGo #ColoradoAvalanche #AvsNation #NHL #NHLTrainingCamp #AvsProspects #RookieTournament #OffIcePodcast #AvsHockey #StanleyCup This show is brought to you by RefiJet Did you know you could refinance your auto loan? With RefiJet, you could save around $150 a month—all with just a soft credit pull and zero hassle. Lower payments, flexible terms, even cash back from your car's equity. RefiJet does the work, you get the savings. Start today at RefiJet.com! The Faster, Easier way to Refinance

It's a big week for Avalanche hockey!

What does it take to scale from a house hacker to owning 75 rental units—without deep pockets and during a high-interest rate environment? In this episode, Jesse Lang breaks down her journey from “accidental landlord” to full-time real estate investor. Starting with a $92,000 condo in Austin, TX, she began house hacking before moving into long-term rentals, wholesaling, and eventually mastering the BRRRR strategy (Buy, Renovate, Rent, Refinance, Repeat). Jesse shares exactly how she built momentum, how she leveraged private money and hard money lenders, and why she's tripled her portfolio in just a few short years—all while managing properties remotely with a lean team in Columbus, Ohio. You'll learn: How Jesse used house hacking to get started The pros and cons of wholesaling vs. holding Her approach to raising private capital (including converting sellers into lenders) How she systematized her BRRRR process to scale fast Why she prefers the Midwest and how she built her team How she gets 100% of her deals funded using other people's money How DSCR loans let her scale beyond 10 properties Plus, Jesse shares her favorite life-changing habit: The Miracle Morning. Whether you're just starting out or trying to grow your portfolio, this episode is packed with tactical advice you can use immediately. Find out more: Join our FREE Facebook group!: https://www.facebook.com/share/g/1KdpUzVbKG/ Instagram/TikTok: @jessielangofficial Youtube: @unlockedrentals BRRRR Mini Course:  https://www.unlockedrentals.com/minicourseoptin Cell #: 614-368-7391 ---------- Today's episode is brought to you by Green Property Management, managing everything from single family homes to apartment complexes in the West Michigan area. https://www.livegreenlocal.com And RCB & Associates, helping Michigan-based real estate investors and small business owners navigate the complex world of health insurance and Medicare benefits. https://www.rcbassociatesllc.com