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The Mortgage MindsetEpisode 39: Mortgage Rates Drop: Is Now the Best Time to Buy?This week, we're diving deep into the latest housing market trends and discussing how recent tariff developments and lower mortgage rates are reshaping buyer demand.đĄ What's Covered in This Episode:Mortgage Rates Hit Year-to-Date Low:Learn why recent tariffs have unexpectedly driven mortgage rates down, leading to increased purchase applications and boosting buyer activity.Growing Housing Inventory:Discover why inventory growth is good news for buyers, offering more choices and less competitive bidding scenarios in the current market.Navigating Economic Volatility:Understand how the broader economic implications of rec...2025-04-0605 minThe Mortgage MindsetEpisode 38 : FHA Policy Change: How Will Immigrant Homebuyers & the Housing Market Be Impacted?In this week's episode of The Mortgage Mindset, we dive deep into the latest FHA policy changes announced by HUD that could reshape the landscape for immigrant homebuyers and the housing market overall. The FHA has removed eligibility for non-permanent residents, a move expected to significantly impact Hispanic communities, which heavily utilize FHA programs.đď¸ Key Talking Points:What the FHA's new policy means for non-permanent residents and immigrant communities.The potential ripple effects on local housing markets and how real estate professionals can adapt.Insights into alternative loan options and solutions to su...2025-03-3007 minThe Mortgage MindsetEpisode 36 - The Mortgage Mindset - AI Revolutionizes Real Estate: Could Agents Become Obsolete?In this week's exciting episode of The Mortgage Mindset Podcast, we dive into groundbreaking news about the world's first AI real estate agent developed by eSelf AI, already driving over $100 million in sales! Discover how this cutting-edge AI technology has transformed Portugal-based brokerage Porta da Frente Christieâs, managing thousands of listings and providing exceptional client experiences around the clock.Additionally, we deliver the latest residential mortgage market update, highlighting how recent economic data has influenced mortgage rates and what this means for your buyers and sellers.đ Key Insights:How AI is re...2025-03-2406 minThe Mortgage MindsetEpisode 37: Could Florida Really Ban Property Taxes? | The Mortgage Mindset PodcastIn this episode of The Mortgage Mindset, we dive into Florida Governor Ron DeSantis' bold proposal to eliminate property taxesâa move that could reshape housing affordability and real estate markets statewide. With growing traction among lawmakers, homeowners might soon see significant financial changes. But what's the catch? We discuss:đ¸ Potential impacts on homeowners, mortgage qualifications, and housing affordability. đ¸ Risks and trade-offs of shifting tax burdens, including impacts on schools and essential services. đ¸ Nationwide implicationsâare other states following suit?Plus, donât miss this week's mortgage market update, keeping you informed on current interes...2025-03-2407 minThe Mortgage MindsetEpisode #35- Blackstoneâs $8B Commercial Debt Fund & Interest Rate UpdateBlackstone just launched an $8 billion commercial debt fund â matching its 2020 record! What does this mean for real estate investors, borrowers, and the commercial market? In this episode of The Mortgage Mindset, I break it all down along with this weekâs interest rate update.đ Mortgage Rate Update Weâre tracking the latest moves in the mortgage market and how interest rates are reacting to economic data. With uncertainty in the economy, where are rates headed next? I break down the key trends influencing the housing and commercial lending space.2025-03-1007 minThe Mortgage MindsetEpisode 34: Will Mortgage Rates Drop This Spring? Market Update & Housing Trends for 2025Will Mortgage Rates Drop This Spring? Hereâs What You Need to Know! đIn this episode of The Mortgage Mindset Podcast (Ep. 34), we break down the latest mortgage rate market update and key economic data that could impact homebuyers and real estate professionals.đš This Weekâs Market Insights:â
Mortgage Rate Update â Rates improved after the S&P Global Services PMI for February came in below expectations, leading to better pricing for home loans on Friday, February 21, 2025.â
Will Government Layoffs Cause a Rate Drop? â If government job losses increase, higher unemployment rates could push mortgage rates low...2025-02-2405 minThe Mortgage MindsetEpisode #33 HUDâs New Task Force, Retail Sales Data & Mortgage Rate UpdateEpisode #33 of The Mortgage Mindset: HUDâs New Task Force, Retail Sales Data & Mortgage Rate UpdateIn this solo episode of The Mortgage Mindset, Trevor Otsuka dives into major updates impacting the housing and mortgage markets:đĄ HUD Launches DOGE Task Force â What It Means for Housing PolicyHUD, under Secretary Scott Turner, announces a task force in partnership with Elon Musk's Department of Government Efficiency (DOGE) to cut costs and overhaul programs. Learn how this move and the potential rollback of the AFFH rule could reshape local housing markets and impact fair housing initiat...2025-02-1504 minThe Mortgage MindsetEpisode 32: Wall Street's Impact on Housing + Secrets to Lifelong Real Estate ClientsHow Wall Street Investors Are Shaping the Housing Market + The Secret to Securing Lifelong Real Estate Clients!đš In this episode of The Mortgage Mindset, we sit down with top-producing Las Vegas real estate agent, Samantha Brooks, to discuss the current state of the housing market, the latest Fed rate decision (January 29, 2025), and her proven strategies for building lifelong client relationships in real estate.đĄ What We Cover in This Episode:â
Wall Streetâs Impact on Housing: How institutional investors are buying up single-family homes and what this means for buyers, sellers, and agents.â
Interest Rate Update...2025-02-0243 minThe Mortgage MindsetEpisode 31: Market Updates & Trump's Housing Relief PlanThe Mortgage Mindset Podcast - Episode 31: Market Updates & Trump's Housing Relief Plan đ¨Welcome to this week's episode of The Mortgage Mindset! In this episode, we dive into the latest updates in the mortgage and housing markets, including:đ Market Update:Interest rates are still holding steady around 7.12% for conventional financing, presenting unique challenges and opportunities for buyers and agents in todayâs market.đ
Upcoming Fed Decision:The Federal Reserveâs rate decision on Wednesday, January 29th could have major implications for mortgage rates and housing affordability. We'll break down what you need to know....2025-01-3005 minThe Mortgage MindsetEpisode #30: 2025 Non-QM Market Growthđ¨ Welcome to Episode 30 of The Mortgage Mindset Podcast! đ¨In this episode, we dive into the latest updates on the mortgage and housing market, including:đ Interest Rate Trends â Find out how the market is responding as we move further into 2025.đ Key Economic Data â Learn what the January 15th CPI report reveals about inflation and its potential impact on mortgage rates.đ The Rise of Non-QM Loans â Discover why 2025 is set to be a big year for Non-Qualified Mortgages, as insurance companies and banks re-enter the space with innovative investment strategies.Whether you're a homeowner, investor, or industry...2025-01-1811 minThe Mortgage MindsetWildfires' Impact on Real Estate & Insurance | The Mortgage Mindset Ep 29đ In this episode of The Mortgage Mindset, we dive into the latest updates on residential mortgage rates and the housing market. Stay informed with insights on:Current trends in mortgage rates and whatâs driving changes in the market.Key upcoming economic reports, including the Non-Farm Payrolls (NFP) Jobs Report and month-over-month Unemployment Rate data, set to release Friday, January 10, 2025.The growing challenges faced by homeowners and real estate professionals due to Southern California wildfires, rising home insurance premiums, and changes in risk modeling for disaster-prone areas.đĄ Whether youâre a real estate agent, hom...2025-01-1008 minThe Mortgage MindsetEpisode 28: Navigating 2025 Housing Market Challenges & Mortgage TrendsIn this episode of The Mortgage Mindset, we dive into the key factors shaping the housing and mortgage markets as we kick off 2025. Get a quick market update, including the latest insights into upcoming economic data reports that could impact bond and treasury yield trading, ultimately influencing mortgage interest rates.We also explore the affordability crisis in the housing market, trends in seller activity, and why home prices remain steady despite rising rates. Discover actionable insights for real estate professionals and homebuyers navigating todayâs challenging landscape.đĄ Key Topics Discussed:1ď¸âŁ Mortgage rate trends and the econo...2025-01-0306 minThe Mortgage Mindset#27: Market Update & The Trigger Lead DebateIn this episode of The Mortgage Mindset, we kick things off with a quick market update, highlighting the latest economic trends impacting the mortgage and real estate industries. We then dive into the hot topic of trigger leads and the ongoing push for legislative reform in 2025. What are trigger leads, and how do they affect borrowers and lenders? Tune in as we break down the current debate, the proposed billâs progress, and what it could mean for the future of mortgage lending.Donât miss this insightful episode that explores the intersection of policy and practice in t...2024-12-2707 minThe Mortgage MindsetEpisode #26: The Fed's Rate Cut and Its Impact on the Housing MarketIn this episode of The Mortgage Mindset, we dive into the Federal Reserve's third consecutive rate cut of the year, lowering the benchmark rate by 25 basis points to a target range of 4.25%â4.5%. Join us as we explore what this means for inflation, mortgage rates, and the broader housing market. We discuss how the Fedâs cautious approach signals slower rate reductions in 2025 and why borrowing costs may remain elevated in the near term.Weâll also examine the implications for homeowners and potential buyers as mortgage rates show signs of gradual easing, and how this could influence refina...2024-12-2006 minThe Mortgage MindsetEpisode #25 - Inflation Insights & Housing Market TrendsIn this episode of The Mortgage Mindset, we dive into the latest market updates and what they mean for buyers, sellers, and real estate professionals. We discuss the next Federal Reserve interest rate decision on Wednesday, December 18th, and the growing optimism for another rate cut.We also break down the recent inflation report, highlighting its impact on the housing market, including shelter costs and mortgage rates. Plus, we explore an intriguing article on how cooling inflation and political factors could shape the housing landscape in 2025, including potential challenges for new builds and opportunities for move-up buyers.2024-12-1307 minThe Mortgage MindsetEpisode #24 - Rising Costs, Falling Margins: The Credit Report CrunchIn this episode of The Mortgage Mindset, we dive into a quick market update and explore the latest trends in interest rates, helping you stay ahead in todayâs competitive mortgage landscape. We also discuss a pressing issue facing the industry: consumer credit report costs are projected to rise by up to 20% in 2025, potentially doubling since 2023. What does this mean for lenders, borrowers, and the overall cost of closing a loan? Tune in to understand the implications, explore strategies for adapting to these rising costs, and stay informed about the shifting dynamics of the mortgage ma...2024-11-2209 minThe Mortgage MindsetEpisode #23: Market Update & Las Vegasâs Bold New NBA-Ready ResortIn this episode of The Mortgage Mindset, we kick off with a quick market update to keep you informed on the latest economic trends impacting the mortgage landscape. Then, we dive into LVXPâs ambitious new proposal for Las Vegas: a towering resort development featuring a luxury hotel-condo complex and an NBA-ready arena, designed to position the city as a top contender for an NBA expansion team. Tune in as we explore how this game-changing project could impact Las Vegas real estate, local development, and its growing sports scene.Daily Interest RatesLVXP Unveils Resort Pl...2024-11-1508 minThe Mortgage MindsetEpisode #22 - Understanding Fed Rate Cuts and Trump's Real Estate Agenda In Episode 22 of The Mortgage Mindset, we break down todayâs Federal Open Market Committee decision to cut the Fed funds rate by 0.25% and explain why this adjustment doesnât directly control mortgage interest rates. Next, we preview a key economic report to watch: Octoberâs CPI data, set to release next Wednesday, and discuss its potential influence on mortgage rates. Finally, we dive into a recent article from The Real Deal covering former President Trumpâs return to the White House and his proposed policies that could impact the real estate industryâfrom SALT deductions to Opportunity...2024-11-0807 minThe Mortgage MindsetEpisode #21 - Market Trends & Million-Dollar Market ProjectionsIn this episode of The Mortgage Mindset, we bring you the latest market update and delve into intriguing real estate projections. We start by discussing key economic reports released on Thursday, October 31, 2024, including Core PCE (m/m) September, Core PCE Inflation (y/y) September, and Employment Costs for Quarter 3. These data points shed light on current economic conditions and potential implications for the mortgage market.Following the economic overview, we provide an update on the national average interest rates for residential mortgages, highlighting what these...2024-11-0109 minThe Mortgage MindsetEpisode #20 - Las Vegas Land Lock and the DOJ Sues Rocket MortgageIn this episode of The Mortgage Mindset, we dive into the latest market insights and major headlines impacting real estate and lending. We start by exploring how Las Vegas' unique land ownershipâwith 88% of the land controlled by the Bureau of Land Managementâis shaping the valleyâs housing market. This restriction is making it challenging to build new homes, which has not only slowed residential growth but also doubled the price per square foot for commercial projects. We break down what this means for developers, investors, and prospective homebuyers in the region.Next, we turn to a nati...2024-10-2211 minThe Mortgage MindsetEpisode #19 - Business Dynamics, Team Leadership, and Commercial Lending Ft. Gene GriffinWe are back! On our return episode we are joined by Senior Loan Originator and founder of Summit Mortgage Solutions, Gene Griffin. Gene has a unique background in business development. A former DJ, active musician, and a man with an unwavering passion for excellence in the mortgage business. Join us as we discuss what it takes to be a great leader and where the future of lending is headed.https://summitmortgagesolutions.com/https://www.linkedin.com/in/genegriffin/2024-08-2244 min
The Mortgage MindsetEpisode #18 - Real Talk With Chris & Trevor - Spring Inventory, Booming Southwest, Tropicana Closes, and Terra FirmaWe are back with another episode of Real Talk! This month Chris Brown and I discuss predictions for spring housing inventory, booming development in Southwest Las Vegas, the official closure of the Tropicana Casino, and luxury development Terra Firma.Spring InventoryBooming SouthwestTropicana Casino ClosesTerra Firma2024-04-1044 minThe Mortgage MindsetEpisode #17 - Pivot to Profit, CKG Coaching, and Luxury Flips with Chakits KrulsawatSpecial guest this week is the one and only, Chakits Krulsawat. Real Estate Agent, Investor, Mentor, and Entrepreneur hailing from Hawaii, Chakits calls Las Vegas home. He has been featured in multiple publications including Real Producers Magazine, is one of the original pioneers of self recorded home tour videos on YouTube, he has a coaching program for new agents just getting started, and is now pursuing real estate development projects.LV Home ExpertsCKG Coaching ProgramYouTube Home ToursYouTube Lifestyle2024-03-2933 min