Today in Mortgages
Episodes
264 episodes
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...
Could Mortgage Rates Finally Cool Off in May?
Mortgage rates have been on a wild ride lately — but could relief finally be on the way this May?In this episode of Today in Mortgages, Michael and Rich break down what’s really driving mortgage rates right now, why the Fed is...
Building Just Got $20,000 Cheaper… Or Did It?
Building just got $20,000 cheaper — at least that’s the headline.In this episode of Today in Mortgages, Michael and Rich break down a major HUD and USDA announcement rescinding energy efficiency building code requirements tied to FHA an...
Sellers Finally Over The Lock-In Effect
People have been “locked in” to ultra-low mortgage rates for years — but that’s finally starting to change.In this episode of Today in Mortgages, Michael and Rich break down the lock-in effect, why it’s easing, and what f...
Buyers Gaining More Power in Housing Market
Are we finally seeing a true buyer’s market in real estate?In this episode of Today in Mortgages, Michael David and Rich break down a new Realtor.com® | Homes for Sale, Apartments & Houses for Rent article revealing that 83% o...
Will Iran Cease Fire Bring Lower Mortgage Rates?
A ceasefire in Iran jolts the markets—but what does it really mean for mortgage rates, buyers, and refinances?In this episode of Today in Mortgages, Michael and Rich break down how global conflict and sudden market certainty impact inte...
2026 Mortgage Rates Predicted
Will conflict in the Middle East push inflation higher and keep mortgage rates elevated in the U.S.?In this episode of Today in Mortgages, Michael and Rich break down how geopolitical uncertainty — specifically tensions involving Iran —...
Record Contract Cancellations
Nearly 1 in 7 home sales fell apart last month — here's why.In this episode, Michael and Rich break down fresh data from Redfin showing a record-high 14% of home purchase agreements falling through in February. They dig into what's driving ...
Is This The Death of Build to Rent?
Is Build-to-Rent still hot… or cooling off?In this episode of Today in Mortgages, Michael and Rich break down the future of build-to-rent communities — who they serve, why they surged, and whether new political pressure coul...