Description

In this segment, Fobby sits down with James Kleimann, Editor of the Mortgage Scoop, to tackle two of the most talked-about trends shaking the mortgage industry right now.

👉 The 50-Year Mortgage: Real Solution or Just Noise?

Everyone’s buzzing about it, but does a half-century loan actually fix affordability?

Fobby and James break down:

Who it might help (and who it won’t)

• Why the idea exploded online

• The implications for securitization and regulation

• Why affordability can’t be solved by simply adding 20 more years to a loan

• A sharp, straight-talk look at the reality behind the headline.

👉 Dual-Licensed Realtors: Innovation or Compliance Nightmare?

James shares insights from his recent reporting on agents who are becoming both the Realtor and the LO.

Together, they explore:

• Why some companies are pushing this model

• Whether agents can realistically handle both roles

• The compliance risks no one is talking about

• How compensation structures are being pitched

• And whether this is the “future of lending” — or a shortcut with long-term consequences

🔥 Why This Conversation Matters

Both topics reveal big shifts happening in the mortgage landscape.

Fobby and James cut through the hype with clarity, humor, and real industry perspective.

If you want the unfiltered truth about where the business is heading, you’ll want to hear this.