Today in Mortgages
Episodes
252 episodes
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...
Feb. Home Sales Up… Can It Last?
Pending home sales tick up — but will March’s economic and global volatility kill the momentum?In today’s episode of Today in Mortgages, Michael and Rich break down February’s surprisingly positive pending home sales numbers, why March coul...
Trump Orders More Housing
Today on Today in Mortgages, we break down the White House’s newly announced executive orders aimed at boosting homebuilding and reducing construction costs. Rich Jefferson joins Michael to unpack what’s real, what’s political, and wha...
Buyers Outpacing Inventory… Again.
Buyers are outpacing listings — again. In this episode, we break down why demand is suddenly surging, how lower interest rates are pushing more buyers back into the market, and why inventory continues to be the biggest hurdle in 2026. Rich digs...
Iran War Chills Rate Cut Hopes
Will conflict in the Middle East spill over into U.S. housing and interest rates?In today’s episode, Michael and Rich break down how the Iran conflict, oil price spikes, inflation pressure, and central bank uncertainty are creating fresh vo...
Borrowers Finally Free From Credit Spam!
Trigger leads are finally being limited — and the Homebuyers Privacy Protection Act goes into effect today.In this episode, Rich breaks down what the new law actually does, which trigger leads a...
State of the Union Housing Affordability Plan
What can we learn about housing from the State of the Union?Today, we're breaking down the key takeaways for the mortgage and real estate world — from affordability measures, to first‑time homebuyer support, to what falling interest ...
Mortgage Rates Hit Lowest Levels Since 2022!
Houston… we’ve got a five handle!Today on Today in Mortgages, Michael and Rich break down what it means now that rates have dipped to 5.99%, whether it will stick, how market volatility is playi...
Avoid These 3 House Shopping Mistakes!
Are your buyers accidentally sabotaging their own homebuying journey?In this episode of Today in Mortgages, we break down the three biggest mistakes Grant Cardone says are derailing homebuyers — and how loan officers ...
Trump surprises with FED pick most likely to defy rate cut demands. What does it mean?
oday on Today in Mortgages, Michael and Rich break down the surprising nomination of Kevin Warsh as the next potential Fed Chair — and why the industry did not see this coming. They unpack his hawkish history, what this...
FICO Fees Up 1900%?!?
Credit report fees have skyrocketed—from around $0.50 to a proposed $10 per bureau in recent years! Why is this happening, and what does it mean for lenders and borrowers? In this episode of Today in Mortgages, we break down:
Should Trump BAN Big Companies From Buying Homes?
Another CPI report is in, and it’s hotter than expected in key areas like housing. Plus, Trump’s proposal to ban institutional investors from buying single-family homes—will it make a real difference for first-time buyers? We break it all down ...
Powell Vs Trump. How Will Rates Respond?
Welcome back, Dreammakers! Our first episode of 2026 dives into some jaw-dropping headlines: criminal indictments at the Fed, rumors of fraud, and what all this means for mortgage rates and the housing market. Plus, we break down Trump’s $200B ...