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Quinton Harris

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What\'s Your 1 More?
What's Your 1 More?Ep. 260 - How the 80s Predict the Next 15-Year Housing Run👍 Like and Subscribe to What’s Your 1 More Podcast with host Quinton Harris, where real conversations meet real market realities. What can the 1980s teach us about today’s housing market? In Episode 260, Quinton breaks down why homeowners are staying put, how the “lock-in effect” has frozen movement, and what history says about the next big real estate run. He compares today’s market to the 1980s, discusses buyers waiting on rate cuts, and reveals why the next cycle could bring a surge in refinancing and home buying. Plus, he explains how new mortgage data lawsuits could reshape lende...
2025-10-1718 minWhat\'s Your 1 More?
What's Your 1 More?Ep. 256 - Fed Finally Admits Mistake: What It Means for HomeownersLike and subscribe to the What’s Your 1 More Podcast hosted by Quinton Harris! What happens when the Fed finally admits its restrictive stance has gone too far, and what does that mean for homeowners, mortgage rates, and the housing market? In this episode, Quinton Harris breaks down Jerome Powell’s latest remarks at Jackson Hole, the growing debate over rate cuts, and how policies are impacting jobs, construction, and future homebuyers. You’ll also hear about political pressure on the Fed, the controversy around “too many cooks in the kitchen,” and why real estate professionals should be paying...
2025-09-0313 minWhat\'s Your 1 More?
What's Your 1 More?Ep. 250 - The Market isn't CRASHING!👍 Like and subscribe to the What’s Your 1 More Podcast for real, unfiltered conversations on the mortgage and housing market you won’t hear anywhere else! Is the housing market truly on the verge of collapse — or are doom-and-gloom headlines getting it wrong again? In this milestone 250th episode, Quinton Harris breaks down the latest market data and exposes the truth behind rising listings, mortgage demand, and the so-called “lock-in effect” that’s shifting right before our eyes. Homeowners, you’ll want to hear why 40% of homes are now free and clear, and how 82% of mortgages hold 30% equity or more —...
2025-07-0913 minWhat\'s Your 1 More?
What's Your 1 More?Ep. 248 - Trigger Leads Are FINALLY Getting Banned!📣 Like and subscribe to the “What’s Your 1 More” Podcast for bold conversations that move your business forward! Why are you getting 72 phone calls after applying for a mortgage? In this episode, Quinton Harris breaks down the abusive practice of trigger leads — how your personal info gets sold without your permission and why a new federal bill might finally put an end to it. Homeowners and buyers, learn how to protect yourself with a simple opt-out and what this legislation means for your privacy. “We don’t need that nonsense in the industry. Get that outta here.” –...
2025-06-2014 minWhat\'s Your 1 More?
What's Your 1 More?Ep. 242 - The “R Word" in Real Estate👉 Like and subscribe to the “What’s Your 1 More” Podcast for real-time market breakdowns that matter to homeowners. What happens when mortgage rates spike more than 60 basis points in just five days? In this episode, Quinton Harris unpacks the shocking rebound in the 10-year Treasury and how it's driving mortgage interest rates into the 7s—just one week after nearing sub-4% territory. He explains how margin calls, treasury liquidations, and global uncertainty are affecting rates, and why this matters now more than ever for buyers and sellers. If you're thinking about waiting for rates to drop or fearing a r...
2025-04-1416 minWhat\'s Your 1 More?
What's Your 1 More?Ep. 230 Fed Rate Cuts - SOONER THAN YOU THINK!📢 📢 Don’t miss a single episode—subscribe to What’s Your One More for insights that keep you ahead! Are the Fed’s rate cuts coming faster than we think? In this episode of What’s Your One More, Quinton Harris breaks down why “jobs over inflation” is the Federal Reserve’s current focus and how key metrics suggest a shift is imminent. Quinton shares his bold forecast of up to six Fed rate cuts this year and dives into the discrepancies in unemployment data, including why seasonal and part-time jobs paint an incomplete picture of economic health. Qu...
2025-01-2019 minWhat\'s Your 1 More?
What's Your 1 More?Ep. 229 - Save Money on Your Mortgage in 2025Can You Really Save Money on Your Mortgage in 2025? In episode 229, host Quinton Harris shares actionable insights on how homeowners can save money on their mortgage payments in the new year. From understanding private mortgage insurance (PMI) to learning strategies for its removal, Quinton demystifies complex mortgage topics to help listeners take control of their finances. This episode is packed with practical advice, including how to identify if your loan qualifies for PMI removal, the steps needed to accelerate the process, and how automated models like Fannie Mae and Freddie Mac’s tools are reshaping th...
2025-01-1524 minWhat\'s Your 1 More?
What's Your 1 More?Ep. 228 - Why The Fed's 2025 Forecast Is Their Biggest Head Fake YetWill Fed Rate Cuts Trigger a Historic Housing Market Boom in 2025?   In episode 228, Quinton Harris challenges the Federal Reserve's recent announcement of only two rate cuts planned for 2025. Drawing from extensive retail closure data, unemployment statistics, and labor market indicators, Harris presents compelling evidence that suggests the Fed's projection is likely a deliberate misdirection, with far more rate cuts potentially on the horizon.   The episode dissects what Harris calls "the rolling recession" phenomenon, highlighting the closure of over 5,000 retail stores including major chains like Macy's, CVS, and Walgreens. Harris meticulously connects th...
2025-01-0117 minWhat\'s Your 1 More?
What's Your 1 More?Ep. 227 - Is Jacksonville's Condo Market About to Collapse?Will Jacksonville's Real Estate Market Weather the Storm in 2025? Q&A with Market Expert Quinton Harris Reveals Surprising Insights.   In episode 227 of What's Your One More Podcast, host Quinton Harris delivers an in-depth analysis of Jacksonville's real estate market outlook for 2025. Drawing from multiple data sources including NAR, MLS, and Census Bureau statistics, Quinton breaks down the complex dynamics affecting the Jacksonville Metropolitan Statistical Area (MSA), which encompasses Duval, St. Johns, Clay, Nassau, and Baker counties.   The episode takes a deep dive into what Quinton calls "the condominium conundrum" - a po...
2024-12-3043 minWhat\'s Your 1 More?
What's Your 1 More?Ep. 225 - 2025 Housing Market Forecast: Why 27 Million New Buyers Are ComingWill The Housing Market Really Crash in 2025?   In episode 225, Quinton Harris delivers his highly anticipated 2025 economic forecast, a comprehensive analysis that has become one of the most viewed episodes across their platforms. Drawing from three weeks of intensive research and multiple data sources, Harris challenges the doom-and-gloom narratives prevalent in today's market discussions with hard data and demographic insights.   The episode presents startling statistics about the real estate industry, including that 47% of agents completed zero transactions in 2024, and explores why first-time homebuyer age has reached an all-time high of 38. Harris delves de...
2024-12-2344 minWhat\'s Your 1 More?
What's Your 1 More?Ep. 224 - What Does 4.2% Unemployment Mean For Your Money?What's Behind the Federal Reserve's Next Move?   In episode 224, Quinton Harris takes a stand against misconceptions about his podcast's purpose, emphasizing its educational nature rather than being a lead generation platform. He explains the extensive methodology behind their market forecasts, drawing from multiple reliable data sources including NAR, MLS, MBS Highway, and others, to provide clarity in a landscape often muddied by sensational headlines.   The episode dives into recent economic indicators, particularly focusing on the CPI and PPI reports, and their implications for Federal Reserve policy. Harris makes a compelling case fo...
2024-12-1813 minWhat\'s Your 1 More?
What's Your 1 More?Ep. 223 - Why Are Mortgage Rates STILL Above 6%? Here's The Truth...  What's Really Behind Your Mortgage Rate?   In episode 223, Quinton Harris breaks down the fundamental components that determine mortgage rates, addressing common questions from his audience about terms like "the spread" and "10-year treasury." He explains how mortgage rates are calculated by combining the base rate (10-year treasury) with the spread, which represents the premium investors require for taking on mortgage-backed securities risk.   The episode delves deep into why current spreads are higher than historical norms, examining factors like increased origination costs, compliance requirements, and market volatility. Quinton emphasizes how con...
2024-12-1614 minWhat\'s Your 1 More?
What's Your 1 More?Ep. 221 - Is The Job Market Really As Strong As The Fed Claims?Are We Ignoring the Warning Signs in Employment Data? In episode 221, Quinton Harris tackles the complexities of current employment data and its interpretation by the Federal Reserve. He addresses recent feedback about credit card debt, providing compelling evidence that homeowners actually carry three times more credit card debt than non-homeowners, challenging misconceptions about debt distribution across housing status. This episode focuses on troubling trends in employment data, particularly the significant differences between initial reports and subsequent revisions. Quinton presents evidence of a contracting job market, including a 27% increase in job cuts and the lowest hiring...
2024-12-0914 minWhat\'s Your 1 More?
What's Your 1 More?Ep. 220 - Unpopular Truth: Black Friday Shopping Doesn't Equal a Strong EconomyWill Black Friday's Record Credit Card Rejections Signal a Consumer Crisis in 2024?   Quinton Harris explains the evolution of Black Friday, revealing its true origins as the day retailers historically turned profitable for the year. He uncovers Roosevelt's strategic decision in the 1930s to move Thanksgiving to the fourth Thursday of November, a calculated move to extend the holiday shopping season and boost retail profits.   The discussion takes a concerning turn as Quinton analyzes recent Federal Reserve data showing alarming trends in consumer credit. With credit card rejection rates reaching historic highs an...
2024-12-0413 minWhat\'s Your 1 More?
What's Your 1 More?Ep. 219 - Is The Fed About to Cut Rates Faster Than Expected in 2024?Will The Federal Reserve's Favorite Inflation Metric Force Faster Rate Cuts in 2024?   Quinton dives deep into the Personal Consumption Expenditure (PCE), the Federal Reserve's preferred inflation measurement tool. He breaks down why the recent uptick in PCE readings shouldn't cause alarm, explaining how the shelter component's lagging indicators are painting a picture that doesn't match real-time market conditions.   The discussion shifts to a significant announcement from the Federal Housing Finance Agency about increasing conventional loan limits for 2024. Quinton presents a historical perspective on loan limits, demonstrating how they've evolved from $252,700 to th...
2024-12-0215 minWhat\'s Your 1 More?
What's Your 1 More?Ep. 218 - Renting VS. Buying: What Should You Do?Is Your $2,000 Monthly Rent Actually Costing You $400,000 in Net Worth? In episode 218 we explain why the average homebuyer age has jumped from 33 to 38 years old. Through data and market analysis, Quinton challenges the popular narrative that renting is the more economical choice, presenting statistics about the wealth gap between homeowners and renters. Quinton breaks down the connection between birth rates and future housing demand, revealing how an incoming wave of over 11 million potential homebuyers in the next three years could impact the market. He presents a case for why home prices are unlikely to decrease...
2024-11-2713 minWhat\'s Your 1 More?
What's Your 1 More?Ep. 217 - Are We Facing a Credit Crisis or Housing Crisis in 2024?Why Are Foreclosure Rates at Historic Lows Despite Rising Credit Card Debt? Quinton Harris analyzes the latest New York Fed report, challenging popular misconceptions about an impending foreclosure crisis. He presents data showing foreclosure rates at historic lows while examining the concerning trends in consumer credit markets, particularly the trillion-dollar credit card debt predominantly affecting the 18-35 age group. The episode delves into the complex relationship between bankruptcies, foreclosures, and credit scores, offering a comprehensive look at current market health indicators. Quinton provides insights into credit availability trends, which have reached an unprecedented $5 trillion, and...
2024-11-2514 minWhat\'s Your 1 More?
What's Your 1 More?Ep. 216 - Why 80% of American Buyers Are Waiting to Buy a HomeCan 5% Interest Rates Unlock the Housing Market's Demand?   In episode 216, Quinton Harris dives deep into the disconnect between improving consumer sentiment and actual buying behavior in today's housing market. Drawing from Fannie Mae's latest consumer home price sentiment index, he explores why despite reaching a two-year high in positive sentiment, only 20% of surveyed consumers are ready to buy right now. The episode uncovers the reality of America's housing shortage, with estimates ranging from 4 to 7 million homes needed to meet current demand. Quinton examines how this undersupply, dating back to the 2008 financial c...
2024-11-2020 minWhat\'s Your 1 More?
What's Your 1 More?Ep. 214 - Will Housing Become More Affordable Under Trump's New Policies?Will Trump's Economic Policies Lead to a New Housing Market Boom in 2024? In episode 214, Quinton Harris shares a detailed analysis of how Trump's election victory could reshape the housing market and monetary policy landscape. The episode explores the immediate market reactions to the election results, including surges in stock markets and crypto, while examining the potential impacts on bonds and mortgage-backed securities. Here, Quinton breaks down why affordable housing will be crucial to the new administration's success and how the Federal Reserve's independence might be tested. He explains why tariffs won't be an immediate priority...
2024-11-1321 minWhat\'s Your 1 More?
What's Your 1 More?Ep. 212 - Will the Fed's 95% Predicted Rate Cut Change Your Mortgage?With a 95% Chance of Fed Rate Cut, Should You Wait to Buy or Refinance Your Home? In episode 212, Quinton Harris shares a comprehensive analysis of the upcoming Federal Reserve meeting and its implications for mortgage rates. Here we examine the Fed funds rate history, JOLTS reports, and employment data, Quinton explains why a quarter-point rate cut is virtually guaranteed and what this means for potential homebuyers and refinancers. Drawing from multiple data sources, including the CME group's predictions and contradicting employment reports, Quinton challenges the conventional narrative about job market strength and reveals why post-election...
2024-11-0616 minWhat\'s Your 1 More?
What's Your 1 More?Ep. 210 - Housing Crash: Why 2024 is NOT 2008Why Are Distressed Sellers and Inventory Waves Critical for a Housing Crash? In episode 210, Quinton Harris dives deep into the essential components needed for a housing market crash, focusing on two critical elements: distressed sellers and waves of inventory. Through detailed analysis of foreclosure data, bankruptcy trends, and current market conditions, this episode provides concrete evidence why today's market fundamentally differs from the 2008 crash scenario. Through research, charts and data from Housing Wire, Quinton systematically dismantles popular social media narratives about an impending housing crash. He shares statistics about home equity positions, mortgage-free...
2024-10-3018 minWhat\'s Your 1 More?
What's Your 1 More?Ep. 209 - 13 Years of Failed Housing Crash Predictions EXPLAINEDWhy Haven't Real Estate Prices Crashed Despite Rising Mortgage Rates? In episode 209, we tackle one of the most debated topics in today's real estate market: why housing prices continue to rise despite increasing mortgage rates. With a deep dive into 13 years of market data from 2012 to 2024, this episode systematically debunks the popular social media narratives predicting a housing market crash and reveals why these predictions consistently fail to be true. Through comprehensive analysis of historical trends and current market conditions, Quinton exposes the misleading information circulating online and provides concrete evidence of real estate's resilience...
2024-10-2819 minWhat\'s Your 1 More?
What's Your 1 More?Ep. 208 - Why Housing Inventory is Stuck and Prices Keep RisingWhat’s really freezing the housing market, and how does it impact you? In episode 208, we dive deep into the concept of "frozen homes" and the impact this trend is having on today's housing market. With affordability at an all-time low and inventory still tight, homeowners are finding themselves locked in—unable to sell their homes due to rising costs and low-interest mortgages. Quinton explores why many current homeowners are staying put and how this “frozen” state is contributing to the housing market's ongoing challenges. Quinton also breaks down key data, including the rise in mortgage...
2024-10-2316 minWhat\'s Your 1 More?
What's Your 1 More?Ep. 207 - What Can Home Buyers Do to Lower Their Insurance Costs?Is your insurance costing more than it should? In episode 207, your host Quinton Harris talks about the pressing issue of rising insurance premiums and shares practical strategies for home buyers to reduce their costs. From homeowner’s insurance in Florida to the impacts of wildfires in California, Quinton explores how climate risks are driving insurance rates up and what buyers can do to navigate these increases.   Quinton shares insights on leveraging tools like flood and fire risk assessments, along with tips on how to lower premiums by addressing key factors like home age, roof condition, and...
2024-10-2119 minWhat\'s Your 1 More?
What's Your 1 More?Ep. 206 - Is The Next Rate Cut Coming? Here’s What 40 Years of Data Tells UsIs the Fed's rate cut addiction setting us up for sub-5% mortgage rates? In episode 206, host Quinton Harris dives deep into the recent CPI and PPI reports, talking about their implications for the economy and future Fed decisions. Quinton breaks down the interplay between inflation metrics, job market data, and the Federal Reserve's monetary policy, offering you a clear picture of what's really driving economic trends. Here we share the historical pattern that could signal a significant drop in mortgage rates. Drawing from 40 years of data, Quinton explains why we might be seeing sub-5% mortgage...
2024-10-1620 minWhat\'s Your 1 More?
What's Your 1 More?Ep. 205 - BLS Report Analysis: Is the Job Market Stronger or Weaker?Will the Federal Reserve's next move be influenced by the questionable BLS jobs report?   In episode 205, we dive deep into the latest Bureau of Labor Statistics (BLS) jobs report, uncovering the numbers that could significantly impact the Federal Reserve's decision-making process. Quinton analyzes the surprising surge in government jobs, the discrepancy between reported and calculated unemployment rates, and the record-breaking number of multiple job holders.   This episode covers the potential political implications of these job numbers, especially in the context of the upcoming election. Quinton questions the accuracy of the reported 4.1% un...
2024-10-1415 minWhat\'s Your 1 More?
What's Your 1 More?Ep. 197 - Election 2024: What Voters Really Need to Know After the DebateIn Episode 197, host Quinton Harris and co-host Lenny Curry offer a breakdown of the recent Trump vs. Kamala Harris debate. Drawing from Lenny's political experience, they provide insights into the high-pressure world of televised debates and the strategies employed by both candidates.The duo doesn't pull punches as they discuss the debate's shortcomings, particularly the lack of focus on critical issues like the federal deficit, housing crisis, and inflation. They explore the current economic challenges facing Americans and analyze the candidates' performances, including Kamala's composure and Trump's controversial moments. With eyes on the 2024 election, Quinton and Lenny offer listeners...
2024-09-1616 minWhat\'s Your 1 More?
What's Your 1 More?Ep. 180 - Where Do We Go From Here and Where Could We Go NextHow do recent political events impact your financial future? In this episode, Quinton examines the surprising market rally following a turbulent weekend. He shares an interview with a Fannie Mae official who predicts how different presidential administrations might affect the housing market. The episode explores the link between political uncertainty and market behavior, explaining why mortgage rates could drop soon. Quinton also reflects on leadership during challenging times and the importance of unity. Whether you're a homeowner, investor, or simply interested in the economy, this episode offers a clear look at how politics and finance intersect in today's complex...
2024-07-1717 minWhat\'s Your 1 More?
What's Your 1 More?Ep. 179 - Will Unemployment & Lower Inflation FORCE the FED to lower interest rates?In this episode, Quinton Harris analyzes the latest economic indicators that could force the Federal Reserve's hand on interest rates. With unemployment creeping up to 4.1% and a surprising CPI reading coming in below expectations, Quinton breaks down why these factors might compel the Fed to cut rates as early as July. He breaks down Jerome Powell's recent Senate Banking Committee testimony, highlighting the Fed's growing concerns about labor market weakness. Additionally, this episode highlights the alarming practice of trigger leads in loan applications, warning listeners about potential privacy risks and scams. Whether you're a homeowner, investor, or simply interested...
2024-07-1512 minWhat\'s Your 1 More?
What's Your 1 More?Ep. 175 - Not a Housing Bubble, Just Growth | Data Confirms Market StrengthIn this episode, Quinton analyzes recent housing market data that confirms his stance: there's no housing bubble, just steady increases. He discusses the Case-Shiller and FHFA indexes, both showing a significant year-over-year appreciation. Quinton explains why increasing inventory isn't necessarily negative and what factors could lead to more balanced price points. He also touches on the upcoming PCE report, its potential impact on Federal Reserve decisions, and the importance of job market data.    [00:00 - 00:59] No Bubble, Just Increases [01:00 - 04:58] Case-Shiller Index and Inventory Insights [04:59 - 07:54] FHFA Index: Confirming Market Trends ...
2024-07-0117 minWhat\'s Your 1 More?
What's Your 1 More?Ep. 170 - The $17 Trillion Reason Why 2024’s Housing Market is NOTHING like 2008In this episode, Quinton looks at the current state of the US housing market, focusing on the astounding $17 trillion in home equity held by American households. Despite media headlines predicting a housing crash reminiscent of 2008, the significant equity positions of homeowners today make a repeat of the 2008 crisis unlikely. Quinton examines the impact of the Federal Reserve's tightening policies on home prices and inventory, discusses the frustrations faced by current homebuyers, and predicts a potential shift in the market over the next six months.    [00:00 - 01:23] - Introduction [01:24 - 03:43] - Headlines and Fed's Pause...
2024-06-1218 minWhat\'s Your 1 More?
What's Your 1 More?Ep. 169 - SHOCKING Jobs Report, Markets React Negatively & Rising UnemploymentIn this episode, Quinton Harris analyzes the latest jobs report, which surprisingly showed 272,000 jobs created, far exceeding expectations. Quinton breaks down the numbers, discussing the potential impact on the Federal Reserve's decision-making process, the consequences for mortgage rates, and the concerning rise in unemployment to 4%.This episode is a must-listen for anyone interested in understanding the current economic landscape and how it affects their financial future.   Key Points: This months report has an internal conflict, with employers reporting 272,000 new hires while households reported having 408,000 fewer jobs. The unemployment rate rose to 4.0%, the highest since N...
2024-06-1016 minWhat\'s Your 1 More?
What's Your 1 More?Ep. 161 - What is Stagflation and Is It a Threat to Our Economy?Are we heading towards a period of stagflation, and what could that mean for the U.S. economy? In this episode, Quinton simplifies stagflation, exploring its definition, causes, and potential consequences. He examines warning signs in the current economy, such as the savings rate, credit card debt, and recent earnings reports from companies like Starbucks and Keurig. He also discusses the Federal Reserve's interest rate policies and their role in combating inflation, as well as the potential for a refinancing wave among homeowners. Throughout the episode, Quinton presents both sides of the stagflation debate, offering insights and analysis to...
2024-05-1316 minWhat\'s Your 1 More?
What's Your 1 More?Ep. 160 - 5 Signs That Mortgage Rates Will Drop Soon | The Jerome Powell ShowAre you curious about what’s going on with the economy and mortgage rates? In this episode, Quinton breaks down the May 1st Federal Open Market Committee meeting, where the Fed chose to maintain a pause on interest rate hikes. Quinton discusses the implications of the Fed's shift towards less restrictive policies, including their plan to purchase treasuries and the potential for mortgage rate relief. He also explores the significance of key economic indicators,  such as the job market reports and inflation indexes, and how they may influence the Fed's future actions. If you’re in the real...
2024-05-0818 minWhat\'s Your 1 More?
What's Your 1 More?Ep. 157 - Why the Jacksonville Housing Market is NOT in a Bubble | Pt. 2In this episode, Quinton breaks down the Jacksonville housing market, busting the myth of a housing bubble. With a data-driven approach, Quinton analyzes the current demand, supply, and population trends that are shaping the market in 2024. He explores the impact of millennial homebuyers, the city's #1 rank in net migration, and the limited housing supply that's driving prices up. Quinton also compares Jacksonville's affordability to neighboring cities like Tampa and Orlando, and discusses how job growth and cash buyers are fueling the market. Finally, he touches on the emergence of built-to-rent communities as a potential solution to the housing shortage...
2024-04-2926 minWhat\'s Your 1 More?
What's Your 1 More?Ep. 156 - Why the Housing Market is NOT in a Bubble | Pt. 1Are you worried about a housing bubble bursting? Don't be! In this episode, Quinton dives deep into the current state of the real estate market and explains why the housing market is NOT in a bubble, despite what many fear-mongering YouTubers and social media influencers want you to believe. Quinton breaks down the facts and data that prove the housing market is fundamentally sound, including the supply and demand dynamics that are driving the market, the current state of interest rates, and the Federal Reserve's monetary policy. Whether you're a first-time homebuyer, a seasoned investor, or a real estate...
2024-04-2431 minWhat\'s Your 1 More?
What's Your 1 More?Ep 153 - CPI SHOCK | 3 Reasons Mortgage Rates Will Still DropWill mortgage interest rates drop despite the recent CPI shock? In this episode, Quinton Harris pulls the curtain back on the 0.1 CPI reading that rattled the market and explains why there's still hope for lower mortgage rates. He discusses the flawed system of shelter cost in the CPI, the Federal Reserve's focus on the PCE rather than the CPI, and the encouraging signs of evaporating spreads between the 10-year treasury and 30-year fixed-rate mortgages. Despite the initial overreaction, Quinton remains optimistic that rates in the 6% range will return sooner than expected, even without a Fed rate cut.  
2024-04-1512 minWhat\'s Your 1 More?
What's Your 1 More?Ep. 151 - 5 Signs Point To An Interest Rate Cut in MayAre the stars aligning for a Federal Reserve interest rate cut in May? In part two of this compelling lending update, Quinton Harris and Daniel Halvorsen uncover five crucial signs that point to a potential shift in the Fed's stance. Join them as they dissect the latest inflation data, including the CPI, PCE, and PPI, and explore how these numbers could influence the Fed's next move. With unemployment rates creeping up, could the Fed be forced to act sooner than later? Quinton and Daniel also break down the potential ripple effects of a rate cut on mortgage rates, HELOCs...
2024-04-0822 minWhat\'s Your 1 More?
What's Your 1 More?Ep. 149 - 47% of Parents Still Paying Adult Children’s Bills?Are parents jeopardizing their future to keep their adult children afloat? In this eye-opening episode, Quinton uncovers the startling results of a three-year study conducted by Savings.com. The survey, which included 1,000 parents with a median age of 57 and a median household income of $50,000 to $75,000, reveals the staggering financial sacrifices parents are making to support their adult children. As the study sheds light on the multigenerational economic challenges faced by families in today's economy, Quinton dives into the long-term implications of these decisions and what it means for the future of retirement in America.   [00:00 - 01:19...
2024-04-0115 minWhat\'s Your 1 More?
What's Your 1 More?Ep. 148 - 3 Fed Rate Cuts Coming in 2024, Housing Market to BOOM?Are we on the edge of a housing market boom? In this episode, Quinton dissects the recent Federal Reserve meeting and Jerome Powell's unexpectedly dovish remarks. Quinton examines the implications for the economy, the housing market, and the likelihood of rate cuts in the near future. He also shares exclusive insider information and historical context to bolster his analysis and predictions, leaving listeners with actionable insights for navigating the potential shift in the market. If you're a real estate professional or a prospective homebuyer, you won't want to miss this episode!   [00:00 - 00:43] - Introduction  ...
2024-03-2717 minWhat\'s Your 1 More?
What's Your 1 More?Ep. 147 - The REAL Winners and Losers of the Proposed NAR Settlement In this episode, Quinton analyzes the proposed NAR (National Association of Realtors) settlement and its potential impact on the real estate industry. Quinton identifies the winners and losers of the settlement, debunks media narratives, and discusses how real estate agents and brokers can adapt to the changing landscape. He also shares his insights on the future of buyer's agents and the potential consequences for consumers.   [00:00 - 01:18] - Introduction and overview of the proposed NAR settlement [01:19 - 05:37] - Breaking down the settlement's key components and misconceptions [05:38 - 10:07] - The real winners and lo...
2024-03-2525 minWhat\'s Your 1 More?
What's Your 1 More?Ep. 146 - Is Homeowners Insurance the Silent Killer of the Housing Market?In this episode, Quinton exposes the factors holding back housing inventory in the U.S. market. He explores the lock-in effect, where homeowners are reluctant to move due to their comfortable mortgage payments and low interest rates, and the impact of soaring homeowners insurance premiums, particularly in Florida. Quinton shares his personal experience with insurance rate hikes and offers insights on how these issues are affecting the move-up buyer market and overall housing inventory.   [00:00 - 00:18] - Introduction [00:19 - 01:41] - The Lock-in Effect [01:42 - 03:58] - The Insurance Issue [03:59 - 05:34] - Fl...
2024-03-2015 minWhat\'s Your 1 More?
What's Your 1 More?Ep. 144 - The Truth Behind Biden's Economy | State of the UnionIs President Biden painting an accurate picture of the U.S. economy? In this episode, Quinton digs beneath the surface of Biden's State of the Union address, exposing the stark realities behind the rosy rhetoric. From the looming national debt crisis to misleading job reports and the Federal Reserve's likely trajectory, Quinton offers a thought-provoking critique of the administration's economic claims. Government regulation often hurts consumers in the name of helping them, and small wins like housing credits and title insurance changes don't address the larger structural issues. Watch this episode for a frank, no-spin discussion of the real...
2024-03-1318 minWhat\'s Your 1 More?
What's Your 1 More?Ep. 143 - New Credit Scoring Model Unlocks Credit Access for 94% of US AdultsAre you ready for a potential game-changer in the housing market? In this episode, Quinton dives deep into the Federal Housing Finance Agency's (FHFA) decision to adopt the new VantageScore 4.0 credit scoring model. With the rollout delayed until late 2025, Quinton explores the implications of this move, which could open up home loan eligibility to a staggering 33 million more Americans. From the model's handling of medical collections and alternative trade lines to its use of real-time data, VantageScore 4.0 could revolutionize lending and impact housing demand, prices, and interest rates. Watch this episode to discover what this credit score shift could...
2024-03-1112 minWhat\'s Your 1 More?
What's Your 1 More?Ep. 141 - Is a Fed Rate Cut Coming Soon? PCE Data, National Debt, & Data LeaksCould cooling inflation finally lead to a rate cut? In this episode, Quinton Harris analyzes the latest PCE data showing inflation slowing down. He also discusses the increased chances of a cut sooner than markets expect as the economy shows signs of deterioration. Lastly, Quinton exposes massive data breaches in the mortgage industry compromising private information, and calls out Zillow for illegally publishing personal details of protected groups, urging for higher accountability.    [00:00 - 00:26] - Introduction [00:26 - 03:19] - Latest PCE data [03:20 - 04:18] - Will rates be cut in march? [04:19 - 08:09...
2024-03-0419 minWhat\'s Your 1 More?
What's Your 1 More?Ep. 136 - Buy Now, Pay Later & The Revolving Door of DebtHow often do you hear talk about housing, stocks, or cryptos, yet the real bubble is right under our noses? Consumer debt. In this eye-opening episode, Quinton Harris pops the bubble theory on markets and assets. Instead, he traces the red flags to American's wallets and uncovers the buy now, pay later epidemic inflating a full-fledged consumer credit crisis. Quinton analyzes fresh intel from the New York Fed, surveys, and more to showcase why revolving debt, not mortgages or equities, threatens the financial stability of over one-third of US adults. [00:00 - 00:23] - Introduction [00:24 - 02:27...
2024-02-1417 minWhat\'s Your 1 More?
What's Your 1 More?Ep. 135 - The Jerome Powell Show | How much of what he’s saying is true?Will the Fed actually save America’s struggling economy? In this episode, Quinton Harris closely analyzes Fed Chairman Jerome Powell’s eyebrow-raising “60 Minutes” interview. From Powell’s growing celebrity to the inevitable tax hikes around the corner, Quinton breaks down statements that don’t seem to add up, calling the Fed’s independence and priorities into question during this critical election year. Does the country’s most powerful banker still have the Midas touch? [00:00 - 00:27] Introduction [00:28 - 01:35] Jerome Powell's Influence [01:36 - 03:51] Federal Reserve's Rate Cut Decisions [03:52 - 06:58] National Debt and Economic Sustainability
2024-02-1216 minWhat\'s Your 1 More?
What's Your 1 More?Ep. 132 - Use These Strategies to Improve Your Credit Score QuicklyIn this episode, Quinton explains how to improve your credit score. He offers a wealth of knowledge on how to effectively manage and improve your credit rating. Whether you're starting from scratch, looking to boost your score, or aiming to maintain an excellent rating, Quinton provides practical tips and lesser-known strategies. From the importance of payment history to the impact of credit utilization, this episode is a must-listen for anyone looking to gain financial leverage through a better credit score. [00:00 - 00:24] - Introduction [00:25 - 03:37] - Understanding Credit Score Components [03:38 - 06:24] - Strategies for...
2024-01-3127 minWhat\'s Your 1 More?
What's Your 1 More?Ep. 125 - Use These 5 Methods To Get Out Of Credit Card DebtStuck with high-interest credit card debt? Wondering how to get out from under it? In this episode, Quinton poses an eye-opening question – how long would it actually take to pay off a $10,000 balance if you only make minimum payments? He walks through real examples showing how interest costs balloon out of control. Quinton ends the episode by offering 5 practical strategies to slash credit card debt, whether you're a homeowner with equity or a renter living paycheck to paycheck. Learn how to leverage balance transfers, debt consolidation loans, home equity, and more to be credit card debt free faster. ...
2024-01-0814 minWhat\'s Your 1 More?
What's Your 1 More?Ep. 124 - 2024 Housing Market Trends & Market OutlookEp. 124 - 2024 Housing Market Trends & Market Outlook Will 2024 bring the greatest market crash in our lifetimes? In this episode, Quinton analyzes this prediction in depth, providing his own housing market outlook for the coming year. Amid high inflation, rising interest rates, and an impending presidential election, many are concerned the bottom may fall out from under the real estate market. Quinton believes this likely won't be the case given strong demand drivers, including favorable migration patterns and ongoing inventory shortages. Listen to this episode to understand why an all-out crash is unlikely, even if select resets occur.  
2024-01-0320 minWhat\'s Your 1 More?
What's Your 1 More?Ep. 115 - 2024 Interest Rate & Housing Market ForecastIn this episode, Quinton walks through his projections and predictions for how interest rates and the housing market may shape up in 2024. He analyzes data points that indicate where rates could head in the coming year. Covering the latest jobs reports, inflation metrics, and mortgage applications, he explains the key indicators that foreshadow rate movement. Quinton also explores how real estate demand, inventory challenges, and generational trends will impact housing. [00:00 - 01:14] - Opening Segment [01:15 - 06:26] - Recap of 2023 and Leading Economic Indicators [06:27 - 09:32] - Fed Actions Impact and First Quarter Rate Cuts
2023-12-0434 minWhat\'s Your 1 More?
What's Your 1 More?Ep. 113 - Tight Household Finances Could See Limited Holiday Spending | Consumer Spending ReportWith savings low and debt high, how will American consumers fare this holiday shopping season? Quinton spotlights a concerning new report on plunging savings rates and ballooning household debt. Detail after alarming detail reveals strains - only 35% could handle a $2,000 emergency, 18% sought higher credit card limits last month alone, and over 1 million may default on student loans. Quinton asks whether these precarious finances will curb spending during the make-or-break retail months ahead. But he closes with an inspiring Thanksgiving message: even amid worries over money and more, practicing gratitude shifts our perspective. [00:00 - 02:22] - High percentage can't...
2023-11-2713 minWhat\'s Your 1 More?
What's Your 1 More?Ep. 112 - Is the Fed's Policy Finally Working? | Market UpdateIn this episode, Quinton Harris analyzes the latest economic indicators showing that the Fed's interest rate hikes are starting to have an effect, including slightly lower inflation readings, increased jobless claims, and expectations that the Fed will pause rate hikes in December. Quinton believes this lag effect will continue, likely leading to lower rates in 2024 that could boost real estate and refinancing activity. He also warns about the escalating national debt and interest payments, which could handcuff the Fed's policy options. Overall, tough conditions for the economy now could set up an opportunity for rate relief and a mortgage...
2023-11-2216 minWhat\'s Your 1 More?
What's Your 1 More?Ep. 109 - Free Refinances, Huge Signing Bonuses and Other Empty Promises Plaguing the Mortgage IndustryHave you noticed some questionable tactics creeping into the mortgage industry lately? In this episode, Quinton Harris shines a light on some of the turbulent forces reshaping the mortgage environment right now. He asks, how can lenders like Guaranteed Rate justify offering huge signing bonuses to attract talent in 2020-2021, only to sue workers to claw the money back a few months before their two-year commitment is up? This is a bad look for the company and the industry overall. Quinton cautions listeners to read the fine print when being presented “Free Refinances”, as these refi offers often have expi...
2023-11-1314 minWhat\'s Your 1 More?
What's Your 1 More?Ep. 107 - Will Real Estate Commissions Change After This Class Action Lawsuit?In this episode, Quinton provides an in-depth explanation of the recent class action lawsuits against major real estate brokerages over alleged inflated commissions, which could bring seismic changes to how real estate is bought and sold. He outlines the background, claims being made, settlements reached, potential outcomes, and what it all means for the future real estate landscape. Though uncertain times lie ahead, Quinton argues that buyers still need representation and that while costs may get cut in the short term, in the long run the consumer often loses when that happens. [00:00 - 11:14] - Background on the...
2023-11-0631 minWhat\'s Your 1 More?
What's Your 1 More?Ep. 99 - Home prices are still going up amidst a high-rate environment? | FHFA & Case-Shiller IndexDo you think home prices will be coming down? In this episode, we analyze the July housing data to make sense of where home prices are headed in this high inflation, high interest rate environment. Quinton reviews the latest appreciating home price indexes from FHFA and Case-Shiller. What do these widely-followed monthly barometers forecast for home values and buyer demand? Are cash buyers still getting better deals than financed buyers? Quinton explores all of these questions and more. If you’re in the real estate business or are looking to buy or sell your next home, you need to li...
2023-10-0915 minWhat\'s Your 1 More?
What's Your 1 More?Ep. 98 - Reading Between the Dots | How to Read the Federal Reserve’s “Dot Map”Have you ever heard of the Federal Reserve’s “dot plot” map? In this episode, Quinton provides an in-depth explanation of this map. He outlines how the dot plot was created in 2012 during the Great Recession recovery as a way for the Fed to provide forward guidance on interest rates. The dot plot is released quarterly and shows projections for the Fed funds rate from Fed officials over the next few years. Each dot represents one Fed member's view of where rates could be in the future. If you’ve ever wondered what this map is or how to r...
2023-10-0413 minWhat\'s Your 1 More?
What's Your 1 More?Ep. 97 - National debt increases by $1 Trillion to $33 Trillion | Market UpdateIn this episode, we break down the latest commentary from the Federal Reserve chairman, Jerome Powell. With no rate hike at their recent meeting but expectations for one more before year's end, we sound the alarm on runaway government spending adding over $1 trillion to the national debt in just 3 months. Fed Chair Powell's lack of criticism on deficit spending is contrasted against the vocal Volcker of the 80's, arguing the central bank's independence is being undermined. If you’re not sure what to make of the latest Fed meeting, this is the episode for you. [00:00 - 02:32] Initial th...
2023-10-0214 minWhat\'s Your 1 More?
What's Your 1 More?Ep. 94 - The Real Enemy to Your Real Estate Investment Dream: Fake HeadlinesA viral social media post has surfaced that predicts 40% of all single-family homes in America will be owned by Wall Street by 2030! Or will it? In this episode, we uncover the current state of the U.S. housing market, and whether or not we’re entering a rental economy as the headlines suggest. With actual data showing the real stats calling for Wall Street ownership, this will provide financial literacy on understanding how headlines use stats as a scare tactic. So, it's time to put a magnifying lens to these claims and get some advice on how to get in...
2023-09-2018 minWhat\'s Your 1 More?
What's Your 1 More?Ep. 90 - Why Consumer Financial Habits and the PCE Indicate All is NOT Well in the EconomyWow! We’re seeing surprising trends in credit card debt and worrying shifts in the U.S. savings rate. While the current Administration says, “all is well,” the numbers tell a different story. In this episode, we expose the state of the US economy and how it’s impacting our day-to-day lives. From the Personal Consumption Expenditure (PCE) index to DoorDash services, explore how we can save money and be conscious of the risk posed by relying solely on news outlets and government advice.   Tune in and discover why these key economic performance indicators point towards a...
2023-09-0614 minWhat\'s Your 1 More?
What's Your 1 More?Ep. 89 - The Shocking Truth About Food Costs and InflationWhen was the last time you ordered take-out or fast food? Did it hurt your wallet a bit? You’re not alone; the issue of food costs and how it has been impacted by inflation is worrying, and in this episode, we dive into a first-hand account! The main antagonist of today’s story? DoorDash! We unpack the commission model and the differences between ordering via their service compared to in-person and the analytics division, looking at peak ordering hours and traffic and menu prices for McDonald's and Chick-fil-A. All this is more relevant than you think, and after this...
2023-09-0420 minWhat\'s Your 1 More?
What's Your 1 More?Ep.87- The Big Short-Squeeze: Mid-Month Market UpdateDid you know we’re currently short 800 billion dollars on the 10-year treasury? Hedge funds are taking notice, and in this episode, we discuss what this could mean for the market if Federal Reserve Chairman Powell makes a statement at the Jackson Hole meeting this Friday. Get some insight into how shorting works without actually owning an item and how it can affect the debt levels of consumers. We’ll also update you on the insane U.S. credit card debt situation, the lasting effects of Covid-19 on small businesses, existing home sales, and the recent jobs report.   
2023-08-2814 minWhat\'s Your 1 More?
What's Your 1 More?Ep. 85 - From 3 Credit Reports to 2: How Does it Affect You?What are you really judged on when you apply for a loan? If you’re applying, there are some changes to the standard model that will affect you. In this episode, we explore the transition from three credit reports (TransUnion, Equifax, and Experian) to two (FICO score and Vantage Score 4.0). You’ll discover how lenders use credit reports to assess potential borrowers and how the transition to two credit reports will affect consumers in the coming year. We also look at the innovative Vantage Score 4.0 model, designed to benefit borrowers who may not have a credit score due to a la...
2023-08-2125 minWhat\'s Your 1 More?
What's Your 1 More?Ep. 84 - What is the Lock-In Effect and How Will it Bring a Real Estate Boom?The Lock-In Effect is sweeping across the nation, and it’s priming the real estate market! The 'Lock-In effect' is when homeowners are locked into a lower interest rate than currently available. With over 92% of all mortgages in America having a 6% or below interest rate and 82.4% being 5 or below, it is estimated that when a 5% mortgage comes online, it will be the new 3%. In this episode, we’ll dive into what this means for homeowners locked into a 4% or lower. Find out how to make a move to take advantage of this change. We’ll also explore the current state...
2023-08-1614 minWhat\'s Your 1 More?
What's Your 1 More?Ep. 82 - A Credit Crossroad: The Shockwaves of a Downgraded AmericaWould you ever have imagined a single decision by a rating agency could ripple through the entire US economy? Buckle up! In this episode, we take a deep dive into the US credit rating being downgraded by Fitch Ratings for the second time in modern history. We unveil what caused this downgrade, its potential effects on the economy, and how it may be addressed. We’ll unpack the words of two Federal Reserve Board members about why quantitative easing was necessary for 2019 and the looming national debt issue that will need to be addressed if the Fed Fund rate is...
2023-08-0915 minWhat\'s Your 1 More?
What's Your 1 More?Ep. 80 - Exploring the Impact of 'Swiftflation'Did you ever think Taylor Swift’s blockbuster tour would impact the dynamics of monetary policy and economics? In the wake of the Personal Consumption Index (PCE) dropping the other day, the Federal Reserve encourages consumers to slow down their spending. Yet influences like Taylor Swift’s US tour continue to have an incredible economic impact on the cities she visits. From ticket prices soaring ten times face value due to bots buying up tickets to hotel rev par metrics and Moody Analytics showing that major cities dwarf other US markets, it's clear that Taylor Swift has created an impr...
2023-08-0214 minWhat\'s Your 1 More?
What's Your 1 More?Ep. 78 - The State of the Resale Market AddressCould your home be a goldmine waiting to be unearthed? The data doesn’t lie! In this episode, we unravel the conflicting dynamics of the current home resale market at play. We delve into the equation of how plummeting sales and dwindling demand might unexpectedly translate into a seller's market. Armed with fresh-off-the-press data, we examine the limited turnover of homes in the US and the "lock-in effect" due to low interest rates on mortgages. With the data we have, we can also look ahead to 2024 & 2025, which economists are forecasting as some of the biggest real estate years in Am...
2023-07-2618 minWhat\'s Your 1 More?
What's Your 1 More?Ep. 76 - How to Overcome Fear and Misinformation in Home BuyingThe endless news cycles, social media posts, and public opinion often trigger a cascade of fear and anxiety. As prospective home buyers, these feelings can cloud our judgment and decision-making. Are we buying at the peak of the market? Are we missing out on a better opportunity? These questions loom large. In this episode, we address and debunk more misinformation instigated by the news and social media to help you navigate the home-buying process with confidence and clarity.   [00:00 - 09:23] Debunking ATTOM's misleading reports on high foreclosure rates and why their data reflects pre-pandemic conditions and m...
2023-07-1917 minWhat\'s Your 1 More?
What's Your 1 More?Ep. 75 - July Lending UpdateFind out everything happening in the complex world of lending. In this episode, Daniel Halverson joins us in navigating market trends for three borrower types, highlighting challenges in conveying market information, and suggesting equity transition strategies for real estate agents. We’ll unpack the impact of a new Florida law restricting foreign ownership of certain properties and current economic fluctuations culminating with a look at the Fed's struggles with inflation management and an increasingly AI-driven stock market rally.   All that and more today. So let’s dive into the indexes and all the latest in the l...
2023-07-1743 minWhat\'s Your 1 More?
What's Your 1 More?Ep. 69 - 32 Going On 33: Rising National Debt at Historic ProportionsForecasted figures point toward an interest payment on the national deficit of 1 trillion by 2030. How will we get out of this one?! It’s time to dive into the world of national economics! In this episode, we tackle the Federal Reserve's recent short-term interest rate increases and their impact on regional banking and the staggering $32 trillion national deficit. We’ll unpack how such a colossal amount accumulated and delve into how Congress and the President address the deficit, leading us to a topic that was brushed under the rug: the US debt ceiling. We scrutinize the escalating interest payments on t...
2023-06-2615 minWhat\'s Your 1 More?
What's Your 1 More?Ep. 67 - The Fed's 'Pause Heard Around the World'“We need more inflation—” the unwisest words spoken by one of the most unwise entities: The Federal Reserve. There is now a daunting battle being waged against inflation, and at the forefront of it is the Fed. What did they do while all this comes to a head? They paused! In this episode, we dissect how their attempt to rein in inflation to 2% could strain banks and muddle economic indicators. We also dive into the rising jobless claims and other symptoms of a weakening economy despite inflation peaking at 4.7%. After everything is laid out on the table, we’ll analyze...
2023-06-1926 minWhat\'s Your 1 More?
What's Your 1 More?Ep. 63 - The Weekend Review: Fiscal IrresponsibilityWelcome to your weekly economic news bytes! In this episode, we walk you through hot topics like the FedNow, as a start. We also break down the Fiscal Responsibility Act of 2023, a new “compromise” that suspends the debt ceiling for two years. Plus, we talk about how this affects student loan debt payments being reinstated on October 30th, 2023. Round that off with recent economic data being released—PCE data from the Federal Reserve, FHFA, and manufacturing indexes—to discuss what it means for short-term interest rates and the job market.    Take advantage of this information as we jump...
2023-06-0523 minWhat\'s Your 1 More?
What's Your 1 More?Ep. 61 - FedNow and Its Impact in Our Digital FutureIt’s time to end all confusion and misconceptions surrounding FedNow! In this episode, I explore and explain this revolutionary new payment system available from banks and credit unions from July 1st. We’ll dive right into how it works, its benefits, and what it means for consumers. Discover why FedNow is a faster and more secure payment system than traditional methods and eliminates the float times and fees associated with Venmo, Apple Pay, PayPal, Zelle, or check cutting. We look at how it can benefit retailers, businesses, consumers, and banks by providing instantaneous returns and refunds and streamlined wire...
2023-05-2918 minWhat\'s Your 1 More?
What's Your 1 More?Ep. 60 - Breaking Through the Debt CeilingAmerica is facing dire consequences if we can’t pass our debt ceiling. What will it take? In this milestone 60th episode, I dive into the current debt ceiling crisis and shed some light on what the news is not saying. We’ll explore what the current administration is doing (and is not doing) and why bills will go unpaid if neither party agrees to compromise. Learn more about the plan to save 3.2 trillion over 10 years and why its main challenges may keep it from happening. Plus, get some suggestions on reducing the 2024 fiscal budget as a manageable solution to f...
2023-05-2417 minWhat\'s Your 1 More?
What's Your 1 More?Ep. 54 - April/May PCE: A Storm is BrewingAre you worried about the current state of the economy? You’re not alone. Many Americans are staring right into a storm. Today, we delve right into this month’s Personal Consumer Expenditures (PCE) inflationary reading to see what warnings the numbers give us. With new readings, we can predict the Federal Reserve's policy decisions. Rising wages, rate hikes,  concerns about data lag, and shelter costs—these are the storm clouds brewing on the horizon. So let’s discuss what’s happening here so we can prepare our personal finances, like consolidating debt and leveraging home equity.   Jump i...
2023-05-0344 minWhat\'s Your 1 More?
What's Your 1 More?Ep. 52 - Lower Credit Score, Better Rate? Massive Changes in Loan Prices Explained w/ Troy SilhanWhether you’re a homebuyer, investor, real estate agent, or lender, there are some urgent changes you NEED to know about! No one is better suited for the task than today’s guest, Troy Silhan from Bank of England Mortgage. Troy excels at educating and advising clients on their best options, and has been named #1 Loan Officer in the 904 by Void Magazine for four consecutive years. In this episode, Troy and I discuss recent loan level price adjustments by FHFA to increase home affordability but result in higher consumer interest rates. These adjustments are controversial as they go against trad...
2023-04-2644 minWhat\'s Your 1 More?
What's Your 1 More?Ep. 51 - Credit Trigger Leads and What to Do About ThemDo you want to unlock the well-kept secrets of the credit industry and arm yourself with knowledge? Anyone who applies for a loan knows that credit scores matter! But to what end? Today, we dive deep into the world of credit scores and the unknown formulas used to calculate them. We’ll explore how personal data is shared without permission and sold for solicitation purposes. I’ll also delve into trigger leads, a marketing technique used by some lenders to buy and funnel leads through their system.    Tune in if you want the full scoop on cre...
2023-04-2416 minWhat\'s Your 1 More?
What's Your 1 More?Ep. 50 - The 40-Year FHA Loan: Fact or Fiction?We’re taking a stand for you! Misinformation in the mortgage industry has run rampant for too long, and today, you’ll get the truth. What do we mean? In this episode, we debunk the misconception of a 40-year mortgage term for FHA loans and emphasize the importance of accurate information in the mortgage industry. We discuss recent changes in FHA loans and how they compare to conventional loans, cautioning against an overflow of business that could prompt FHA to raise premiums again. We’ll also touch on other products that could help create affordability in the market and measur...
2023-04-1931 minWhat\'s Your 1 More?
What's Your 1 More?Ep. 49 - Inflation News: A Mixed Bag of Recessions and Real Estate BoomsInvestors and homebuyers are in for a roller coaster of a ride after hearing about the recent CPI readings! But despite some of the doom and gloom, the real estate market may be in for a boom. In this episode, you’ll get new revelations based on the recent inflation report and find out why these decreases in inflation may be short-lived. We explain the different components of the CPI index and offer valuable insights into elements like low inventory, high demand, and increased prices in the real estate market. This episode is a must-listen for prospective buyers and an...
2023-04-1732 minWhat\'s Your 1 More?
What's Your 1 More?Ep. 46 - PCE Breakdown: Rising Prices and Shrinking WalletsReport cards are in! How are we doing on the inflation front? Today, we're diving into the latest PCE readings to gauge what’s happening with the economy. Despite efforts to slow it down by raising interest rates, prices are still rising, causing consumers to make tough choices. Some companies are even taking advantage of the inflation trend to raise prices. It’s time to explore what could positively impact inflation and discuss the Fed's movements for the future. In this uncertain time, we emphasize the importance of focusing on personal finance and growing skills and knowledge to improve our...
2023-04-0536 minWhat\'s Your 1 More?
What's Your 1 More?Ep. 45 - Unlocking the Secrets to Winning Real Estate InvestmentsThere are secrets to growing your wealth, and the truth is real estate is the best avenue to exercise them. In this episode, we tackle a long-running question: why do we focus on real estate and its principles so much? With that in mind, we discuss the four investment buckets and emphasize the leverage of real estate for long-term gains while comparing potential returns on investment and recommend diversifying your portfolio, with the majority in real estate. Buying primary residences with little down payment, renting them out to accelerate mortgage payments, creating a separate business account—we highlight real es...
2023-04-0339 minWhat\'s Your 1 More?
What's Your 1 More?Ep. 44 - The Banking Crisis SimplifiedWith all the noise in the news, are you curious about what's really happening in the banking industry right now? Then you'll want to listen to this episode! We delve deeper than before into the recent collapse of two major banks and how it's affecting the industry at large. We explore the impact of rising interest rates on banks' investments in long-term notes and explain essential terms like ‘held-to-maturity’ and ‘unrealized losses’ in easy-to-understand language, so you can better grasp what's going on and disseminate the information to others. Plus, we discuss potential solutions to the industry's problems and how risi...
2023-03-2933 minWhat\'s Your 1 More?
What's Your 1 More?Ep. 43 - Jerome Powell: The Emperor with No Clothes OnDoes anyone notice how watching the Fed’s decisions has become the new “Super Bowl” of economics? Well, In this episode, we analyze and break down the recent decision by the Federal Reserve to raise interest rates and its potential impact on the stock and bond markets. They delve into the increasing power of the Federal Reserve and its effects on businesses and individual wallets, highlighting the possibility of a soft landing for the US economy. Alex Stewart joins in as we cover the impacts of tightening credit on consumers, businesses, and builders and the correlation between tightening credit standa...
2023-03-2737 minWhat\'s Your 1 More?
What's Your 1 More?Ep. 41 - The Tipping Point of a Financial Crisis - Bank Collapse Pt. 2Are you worried about the recent collapse of two banks and the Federal Reserve's decision to raise interest rates? In this must-listen episode, Alex Stewart joins me to provide insights and strategies to help you navigate through these uncertain times. Now that new CPI readings have come in, we have new information on the impact the bank collapses are having, the actions of the Fed, the strategies of the current administration, and the unique opportunities this provides to savvy investors.    Are all the market fears founded? Jump right in and learn everything you need to kn...
2023-03-2043 minWhat\'s Your 1 More?
What's Your 1 More?Ep. 40 - The Collapse of SVB: What Really Happened?The second-largest bank crash in American history just happened. Are we facing an economic collapse? Let’s talk about that! In this episode, we dive right into the recent collapse of Silicon Valley Bank, delving into the economic implications and far-reaching effects of the situation. You’ll discover how the inner workings of banks on a large scale and what series of events led to this pandemonium. Cut through the rumors and misinformation of the media by tuning in here to find out the true scope of this event and address questions like: What does it mean for mortgage rate...
2023-03-1549 minWhat\'s Your 1 More?
What's Your 1 More?Ep. 39 - March 2023 Lending Update: Find Opportunity in the MessIt’s time to take a deep dive into the highly anticipated March lending update! In this episode, we explore what it means for buyers, specifically those looking to refinance. We break down the increases in FHA, VA, and conventional loan limits as well as the decrease in monthly mortgage insurance for FHA loans by 30 basis points. As expected, we reveal the implications of the job report on interest rates and how inflation data will impact shelter costs. This conversation is full of insightful tips and advice that lenders, real estate agents, and investors should take advantage of now to...
2023-03-1340 minWhat\'s Your 1 More?
What's Your 1 More?Ep. 38 - The 4 Pillars of Success with John MendezSuccess leaves clues, and today’s guest will share 4 pillars that will set the foundation for yours! In this episode, we hang out with John Mendez, a rapidly growing podcaster and entrepreneur. John's journey, which started when he received a copy of Rich Dad Poor Dad as a gift from his now father-in-law, is fascinating. Inspired by the book, he created the Walk 2 Wealth podcast featuring guests like Grant Cardone to accomplished authors he's admired. Discover the power of words, the importance of your story, and the efficacy of detachment.   Take advantage of this high-level con...
2023-03-0837 minWhat\'s Your 1 More?
What's Your 1 More?Ep. 37 - The Tax-Deferred Investment Plan that Can Put Your Kids Through CollegeWith inflation looming above our heads and rumors of financial collapse, one question may be in your mind: “how can I afford to save for my kids’ futures?” In this episode, Alex and I reveal a risk-free, tax-deferred savings plan that can put your kids through college by saving exactly what your budget can afford. It’s called a 529 Plan, a prepaid tuition plan for college expenses. We’ll explain how it works, how to get it started, and all the benefits it can provide for your financial future.    Hedge against future inflation and rising costs by div...
2023-03-0636 minWhat\'s Your 1 More?
What's Your 1 More?Ep. 36 - Keep Learning Even When No One is Listening with Eden KendallAre you a learner? Let’s reinvigorate the student of life in you! In this episode, we’re sitting down with Eden Kendall. Eden is a fellow podcaster and the host of 99.9 Gator Country, a radio station famous for serving the Jacksonville area with the slickest country tunes this side of ‘the Miss.’ We dive into the evolving landscape of country music and her switch from pop to Country. You’ll also discover what it takes to start a podcast and how it can lead to experiences you may never have had otherwise. We even tap into the business side of po...
2023-03-0146 minWhat\'s Your 1 More?
What's Your 1 More?Ep. 35 - How to Remove Private Mortgage Insurance (The Right Way)The next 15 minutes could save you tons and improve your financial planning! In this episode, I dive into private mortgage insurance (PMI). PMI is an insurance policy for lenders who require borrowers with loans over 80% to have additional protection. But what happens when it comes time to remove PMI from a home loan? I break down the payment schedule, the release date given at closing, and what to do if you want to accelerate the process. I’ll also give you the inside scoop on how Fannie Mae and Freddie Mac’s UCDP model can provide day-one evaluations of prop...
2023-02-2715 minWhat\'s Your 1 More?
What's Your 1 More?Ep. 34 - The Economy: Moving Forward or State of DebacleAre the president’s policies really helping Americans? In this episode, I analyze the economic issues discussed in the State of the Union address. Find out why Americans are not truly moving forward and why we should challenge the president’s claims of creating jobs in manufacturing. Let’s dive deep into the impact of unemployment and inflation, the proposed Inflation Reduction Act, and the idea of requiring companies to buy American products. I also examine Biden's proposal to prevent junk fees from businesses and debate its necessity.    Jump in, cut through the false narratives, and grab...
2023-02-2220 minWhat\'s Your 1 More?
What's Your 1 More?Ep. 33 - A "Sticky" Situation: Welcome to the New TaxCPI, CPE, shelter costs—these are words that almost no one thought too much about, but today, they are critical to understanding the current state of the market. In this episode, we delve into all these and their effects on households. We’ll explore the latest readings from each index and the impacts of government regulations on consumer prices. We also break down measures of inflation that are less known but just as impactful, like sticky CPI and shelter costs. Today’s guest, Alex, from Market Distillery will provide an exclusive analysis of the current state of inflation and its im...
2023-02-2036 minWhat\'s Your 1 More?
What's Your 1 More?Ep. 32 - February Lending Update: Maximizing Buyer OpportunitiesAre you a buyer or agent looking to get the best deal in the current real estate market? Do you want to advise clients on the smartest moves? In this episode, Daniel Halverson and I will share valuable strategies to capitalize on lower mortgage rates, negotiate smarter with agents, and utilize loan programs to find your dream home. Plus, we give insights into how current inflation readings could benefit the real estate market as they move closer to the Fed’s target of 2%. After today, you’ll have a confident understanding of the complexities and nuances of consumable loans in t...
2023-02-1533 minWhat\'s Your 1 More?
What's Your 1 More?Ep. 30 - What Drives the Fed and What's Their Next Move? with Alex StewartInflation, interest rates, recession, unemployment—what do all these buzzwords have in common? They’re all affected by decisions the Fed makes! In this episode, do some digging to reveal the Federal Reserve and its impact on the US economy. We’ll analyze news headlines surrounding the Fed and its decisions, aiming to break down barriers so you can get a clearer picture of what's truly happening with the economy and understand the underlying factors that come with moderating an economy that is too “hot” or inflationary.    Tune in now to gain insights that will simplify the...
2023-02-0637 minWhat\'s Your 1 More?
What's Your 1 More?Ep. 27 - Credit Card Myths and How to Maximize the BenefitsWe have just received some staggering data on consumer credit card debt, and we need to talk about it. In this episode, Daniel Halverson and I expose the current trends in credit card debt and how the domino effect took place. We’ll discuss the difference between revolving debt (credit cards) and term debt (closed-end debt), and how behavior has changed regarding spending and saving money due to the pandemic and dispel some wide-spread myths about credit cards. And of course, it wouldn’t be What’s Your 1 More without unpacking how to capitalize on the benefits credit cards can pr...
2023-01-2535 minWhat\'s Your 1 More?
What's Your 1 More?Ep. 17 - What Moves the Market? w/ Alex StewartEver wonder what people, events, or policies move the market? Today, we're talking about market movement and what factors determine whether or not the market is going up or down. For example, what happened when the Fed decided to raise interest rates, and why? We discuss inflation, interest rates, and the current state of the stock market. If you’re uncertain and looking for advice on preparing for future trends or are generally curious about the inner workings of the current market, this one is for you!  Jump in, and let’s explore what moves the market.
2022-12-1238 minWhat\'s Your 1 More?
What's Your 1 More?Ep. 15 - FTX: The Collapse Heard Around the WorldCracks are showing in the crypto market, making ripples throughout the whole industry. FTX, the formally third largest crypto exchange, went bankrupt overnight, sending shockwaves across the crypto space. In this episode, Alex and I unpack what happened, the lessons we can take away, and what consequences this will cause in the financial world. We also reassess why hard assets like real estate are so valuable and what the FED might do in response to the situation.   Dive in if you want to understand what happened to cause this collapse and why it’s changing the...
2022-12-0554 minWhat\'s Your 1 More?
What's Your 1 More?Ep. 7 - Current State of EmploymentPrices are rising everywhere, and Americans are feeling it. Is this all by design? Market Distillery Report's Alex Stewart joins us to discuss current employment issues and how it's impacting inflation. It might feel like the news is buzzing with all this just this year, but when you look at the numbers, we’ve been dealing with issues since late 2017! Cut through the noise as we break down this topic to make it as simple as possible. We’ll take a magnifying glass to what’s happening, how it’s affecting other markets like housing, and what business owners should d...
2022-11-0221 minWhat\'s Your 1 More?
What's Your 1 More?Ep. 6 - Why Buyers Should Consider Buying Now vs. Waiting | Daniel HalvorsenIt’s time for our monthly lending update brought to you by the Bank of England Mortgage! My co-host Daniel Halverson and I have some hot topics to cover: Interest rates, loan rates, sentiment in the market, and much more. Fear, doubt, and uncertainty in the market are definitely working together to put potential buyers on edge, but what’s the reality? You may be surprised to learn that things are not as bad as they seem and, in fact, there are unique opportunities you should be taking advantage of.   Dive in and find out why buyers should...
2022-10-2619 minWhat\'s Your 1 More?
What's Your 1 More?Ep. 3 - The News is Not Your FriendSome of us get so wrapped up in the latest news that we forget to step back and think about what is actually happening. So today's episode is all about how to drown out the noise. Me and Alex Stewart (Co-Founder – The Market Distillery and Sales Manager – Bank of England Mortgage) dive deeper into the flashy headlines surrounding the current real estate market. It’s no secret that most people go to the internet to find information and answers to questions that they currently have about the housing market: What is my home worth? Is it a good time to buy...
2022-09-1619 min