Today in Mortgages
Episodes
272 episodes
Fannie Mae Sharply Raises 2027 Rates | Today in Mortgages Ep. 278
Fannie Mae just sharply increased its 2027 mortgage rate forecast to 7.5%, shattering hopes for a near-term dip in borrowing costs. In this episode, Michael and industry guru Rich Jefferson dive into the latest inflation numbers, upcoming Fed deci...
The Great Housing Power Shift | Today in Mortgages Ep. 277
The housing market power struggle is here, and buyers are finding themselves with more leverage than they've had in years. Rich and Michael break down the latest news, from the Fed's continuing battle with inflation to the cooling of buyer demand....
New Appraisal Process Changes | Today in Mortgages Ep. 276
A brand-new home appraisal process is here, and it's causing chaos for lenders and appraisers. Rich and Michael break down exactly what buyers and sellers need to know about the new Uniform Appraisal Dataset (UAD 3.6) requirements that just went i...
The 4% Mortgage Rate Returns | Today in Mortgages Ep. 275
A 4% mortgage rate sounds like a dream in today's market, but some home builders are making it a reality. On this episode, Rich and Michael pull back the curtain on the counterintuitive strategies unfolding in the real estate world following the F...
Using Seller Concessions to Win | Today in Mortgages Ep. 274
Negotiating a lower home price might seem like the obvious move, but you could be leaving serious money on the table. In a volatile market, understanding how to leverage every tool available is crucial, and seller concessions are a powerful one th...
Paying Your Mortgage Off Early | Today in Mortgages Ep. 273
Is paying off your mortgage early always the right move? While it might seem like a clear path to financial freedom, Rich and Michael break down why it's a nuanced decision. What we cover: * The surprising number of homeowners making extra paym...
Will Mortgage Rates Improve in September? | Today in Mortgages Ep. 272
Will mortgage interest rates finally see some relief in September? It's the question on every homebuyer's mind, but the answer isn't as simple as we'd hope. Rich and Michael tackle the uncertainty head-on, breaking down a recent CBS News article t...
Rates Keep Rising | Today in Mortgages Ep. 271
Fannie Mae just revamped its mortgage rate forecast, and the predictions for 2026-2027 are not what we expected. With the national debt crossing the $40 trillion mark and continued market volatility, what does this mean for homebuyers and real est...
Power Shifts to the Buyer's Market | Today in Mortgages Ep. 270
The balance of power in real estate is tilting dramatically. For the first time in years, buyers are gaining the upper hand, with more sellers than active buyers in many markets. In this episode, Rich and Michael dive into what this power shift me...
Don't Trust Dr. Google | Today in Mortgages Ep. 269
Googling 'current mortgage rates' is often the first step for aspiring homeowners, but what you see isn't always what you get. In this episode, Rich and Michael pull back the curtain on the most common online mortgage searches and explain why the ...
Condo Financing Gets an Overhaul | Today in Mortgages Ep. 268
The Fed didn't move rates, but the market reaction was dramatic. Rich and Michael explain why the ten-year treasury jumped and what Fed Chair Warsh's new data-driven approach—using private sector CEOs for intel—means for long-term stability and in...
Rates Climb, But Housing Holds Strong | Today in Mortgages Ep. 267
The markets are flashing warning signs, with climbing rates and global conflict spooking investors. But the housing market is telling a completely different story of resilience. In this episode, Rich and Michael break down the complex economic sig...
Why Real Estate Still Wins | Today in Mortgages Ep. 266
Despite confusing headlines and volatile markets, real estate has been voted America's best long-term investment for 14 years running. In this episode, Rich and Michael unpack the surprising economic signals and market sentiments that prove homeow...
AI Autopilot Hits Underwriting
Blend just launched an AI-powered pre-underwriting tool — and it's only one of several vying for a spot in your originator's toolkit. Rich breaks down how AI pre-underwriting actually works, why it won't replace a licensed loan officer, and wha...
Trump Stalls Housing Bill
Another week, another rollercoaster in mortgages—and this time, it’s all about rates, global conflict, and housing supply pressure.In today’s episode of Today in Mortgages, Michael and Rich break down why home prices are still climbing,...
Affordability Still a Challenge—But Opportunity Is Growing
Affordability continues to be a major hurdle for buyers—but it’s not the full story.Michael and Rich break down the latest from the Fed, including the updated dot plot and what “higher for longer” really means for interest rates. They a...
Help Your Kid Buy A Home
It’s getting tougher than ever for the next generation to buy a home—but there are powerful ways families can step in and help.In this episode of Today in Mortgages, Michael and Rich break down a recent AARP article on helping kids buy ...
Steady Growth For Housing Predicted
2030 may feel far away—but in housing, it’s closer than you think. In this episode of Today in Mortgages, we break down a bold prediction from Fannie Mae and what it means for home prices, affordability, and the next generation of buye...
The AI & Lead Control Battles Reshaping Mortgage & Real Estate
There’s a quiet battle happening behind the scenes in real estate and mortgages—and it all comes down to who controls the lead.In this episode of Today in Mortgages, we break down the growing tension between platforms like Zillow and Co...
Nearly 1 in 10 Mortgages Are Non‑QM — Should We Be Worried?
One in 10 mortgages today is non‑qualified — and if that headline made you think of 2008, you’re not alone.In this episode of Today in Mortgages, Michael David sits down with industry veteran Rich Jefferson to break ...
You’re Losing 60% of Your Future Business — Here’s Why
How do you stand out in a tough mortgage market when everyone has access to the same tools, CRMs, and AI? In this episode of Today in Mortgages, Michael David and Rich Jefferson break down what actually separates top-performing loan officers an...
Is Fear (Not Finances) Keeping Buyers Down?
Is fear or finances really what’s keeping buyers on the sidelines? In this episode of Today in Mortgages, Michael David and Rich Jefferson break down how fear, anxiety, and misinformation are shaping buyer and loan officer behavior in today’s m...
Is A Large Down Payment Still a Wise Strategy?
How much should you really put down when buying a home in today’s mortgage rate environment?In this episode of Today in Mortgages, Michael David and Rich Jefferson break down what’s real and what’s hype when it comes to down payments, i...