Today in Mortgages

Hosted by Today in Mortgages

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Episodes

256

Latest episode

Jun 2026

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EN-US

About the show

No-hype perspectives of today's news in the mortgage and real estate to help professionals communicate better with their clients and sell better.

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60 recent

June 12, 202611 min

Help Your Kid Buy A Home

It’s getting tougher than ever for the next generation to buy a home—but there are powerful ways families can step in and help.In this episode of Today in Mortgages, Michael and Rich break down a recent AARP article on helping kids buy their first home and explore real-world strategies that go beyond the basics. From down payment struggles to creative financing options, they explain how families can work together to make homeownership possible—without sacrificing long-term financial goals.Plus, they dive into Network Funding’s Family Loan—a unique solution that allows parents and grandparents to act as lenders, support their loved ones, and still earn a return.What you’ll learn:Why affordability is the biggest barrier for first-time buyers todayThe truth about down payments (and why 20% isn’t required)The pros and cons of gifting money vs. co-signingWhat an intra-family loan is—and how it worksHow Network Funding’s Family Loan creates a win-win for both generationsWhy waiting on rates could cost you more in the long runToday in Mortgages is produced by Network Funding, LP, which is an equal housing lender, NMLS# 2297.The content of this program is meant to be a commentary on mortgage and real estate news and any discussion of rates and/or products should not be taken as individual mortgage or home buying advice or pricing estimates. Any commentary on this show should not be considered a promise to make a loan. All applicants for a loan must qualify, and you should consult a professional regarding your individual loan scenarios for your financial situation.Visit Licenses - Network Funding for all state licensing and other legal information.#TodayInMortgages #FirstTimeHomeBuyer #MortgageTips #RealEstateMarket #LoanOfficerLifeSee more at TodayInMortgages.comWant to get expert coaching everyday and have the power of the best Network in Mortgages behind your production business? Learn more here. Learn more about Network Funding on our parent site. Today in mortgages is produced by Network Funding, LP, which is an equal housing lender, NMLS# 2297. Corporate office located at 10370 Richmond Ave. Suite 900, Houston, TX 77042. The content of this program is meant to be a commentary on mortgage and real estate news and any discussion of rates and or products should not be taken as individual mortgage or home buying advice or pricing estimates, and any commentary on this show is should not be considered a promise to make a loan. All applicants for a loan must qualify and you should consult a professional regarding your individual loan scenarios for your financial situation. Visit our website at nflp.com/licenses for all state licensing and other legal information.

June 5, 202610 min

Steady Growth For Housing Predicted

2030 may feel far away—but in housing, it’s closer than you think. In this episode of Today in Mortgages, we break down a bold prediction from Fannie Mae and what it means for home prices, affordability, and the next generation of buyers.As the market normalizes, what should loan officers and real estate professionals be doing right now to stay ahead? This episode is packed with insights to help you educate clients, position yourself as a trusted advisor, and win in today’s market.🔑 What We Cover:Fannie Mae’s outlook for home price growth through 2030Why a housing crash is unlikely despite affordability challengesThe massive demand from Millennials & Gen Z buyersWhat “normal appreciation” really looks like (and why it matters)How loan officers can use this data to win more businessWhy positivity and education are your biggest competitive advantagesLOAN OFFICERS – Looking to GROW your business? Find out how we are making our best producers even better and how you can DO MORE YOU inside the best Network in mortgages by visiting 👉 https://you.nflp.comSee more at TodayInMortgages.comWant to get expert coaching everyday and have the power of the best Network in Mortgages behind your production business? Learn more here. Learn more about Network Funding on our parent site. Today in mortgages is produced by Network Funding, LP, which is an equal housing lender, NMLS# 2297. Corporate office located at 10370 Richmond Ave. Suite 900, Houston, TX 77042. The content of this program is meant to be a commentary on mortgage and real estate news and any discussion of rates and or products should not be taken as individual mortgage or home buying advice or pricing estimates, and any commentary on this show is should not be considered a promise to make a loan. All applicants for a loan must qualify and you should consult a professional regarding your individual loan scenarios for your financial situation. Visit our website at nflp.com/licenses for all state licensing and other legal information.

May 26, 202612 min

The AI & Lead Control Battles Reshaping Mortgage & Real Estate

There’s a quiet battle happening behind the scenes in real estate and mortgages—and it all comes down to who controls the lead.In this episode of Today in Mortgages, we break down the growing tension between platforms like Zillow and Compass, and what their fight reveals about the future of mortgage lead distribution, MLS access, and vertical integration.Rich Jefferson joins us in the studio to talk about:Why big real estate and mortgage platforms want full control of the buyer journeyHow “ecosystems” quietly limit consumer choiceWhat vertical integration really means for borrowers, agents, and loan officersWhy relationships—not tech—are still the differentiatorHow AI will change the industry without replacing the best professionalsThis is a must‑watch for loan officers, real estate agents, and industry leaders who care about protecting the consumer experience while preparing for the next cycle of change.👇 Thinking about your future in this industry?Network Funding is intentionally building tech around our mission—not the other way around.🔗 Learn more: you.nflp.comLegal Disclaimer:Mortgages are produced by Network Funding, LP, Equal Housing Lender, NMLS 2297. This content is for commentary purposes only and does not constitute mortgage advice or a commitment to lend. Visit nflp.com/licenses for full disclosures.See more at TodayInMortgages.comWant to get expert coaching everyday and have the power of the best Network in Mortgages behind your production business? Learn more here. Learn more about Network Funding on our parent site. Today in mortgages is produced by Network Funding, LP, which is an equal housing lender, NMLS# 2297. Corporate office located at 10370 Richmond Ave. Suite 900, Houston, TX 77042. The content of this program is meant to be a commentary on mortgage and real estate news and any discussion of rates and or products should not be taken as individual mortgage or home buying advice or pricing estimates, and any commentary on this show is should not be considered a promise to make a loan. All applicants for a loan must qualify and you should consult a professional regarding your individual loan scenarios for your financial situation. Visit our website at nflp.com/licenses for all state licensing and other legal information.

May 20, 202610 min

Nearly 1 in 10 Mortgages Are Non‑QM — Should We Be Worried?

One in 10 mortgages today is non‑qualified — and if that headline made you think of 2008, you’re not alone.In this episode of Today in Mortgages, Michael David sits down with industry veteran Rich Jefferson to break down what non‑QM loans actually are, why they’re growing, and why today’s non‑qualified mortgages are very different from the risky loans of the past.We cover:✅ What “non‑qualified mortgage” really means✅ Why self‑employed, 1099, and gig‑economy borrowers are driving growth✅ How today’s non‑QM borrowers are high‑credit, high‑down‑payment clients✅ Why this is an opportunity — not a risk — for loan officers✅ How DSCR loans are helping real estate investors qualify without W‑2sIf you’re a loan officer, mortgage professional, or real estate agent, this episode will help you stop turning away good borrowers and start closing more deals in today’s market.LOAN OFFICERS – Looking to GROW your business?Find out how we are making our best producers even better and how you can DO MORE YOU inside the best Network in mortgages by visiting:👉 https://you.nflp.comLegal DisclosureToday in Mortgages is produced by Network Funding, LP, which is an equal housing lender, NMLS# 2297. The content of this program is meant to be a commentary on mortgage and real estate news and any discussion of rates and/or products should not be taken as individual mortgage or home buying advice or pricing estimates. Any commentary on this show should not be considered a promise to make a loan. All applicants for a loan must qualify, and you should consult a professional regarding your individual loan scenarios for your financial situation. Visit https://nflp.com/licenses for all state licensing and other legal information.#TodayInMortgages #MortgageRates #LoanOfficers #RealEstateMarketSee more at TodayInMortgages.comWant to get expert coaching everyday and have the power of the best Network in Mortgages behind your production business? Learn more here. Learn more about Network Funding on our parent site. Today in mortgages is produced by Network Funding, LP, which is an equal housing lender, NMLS# 2297. Corporate office located at 10370 Richmond Ave. Suite 900, Houston, TX 77042. The content of this program is meant to be a commentary on mortgage and real estate news and any discussion of rates and or products should not be taken as individual mortgage or home buying advice or pricing estimates, and any commentary on this show is should not be considered a promise to make a loan. All applicants for a loan must qualify and you should consult a professional regarding your individual loan scenarios for your financial situation. Visit our website at nflp.com/licenses for all state licensing and other legal information.

May 15, 202611 min

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 and real estate professionals from everyone else.Rich shares eye-opening insights about client retention, why 80% satisfaction doesn’t translate into repeat business, and how real relationship-building—not automation—creates long-term growth and referrals.Key topics covered:Why most loan officers lose repeat business after closingThe difference between CRM “touches” and real human connectionPractical ways to stay top-of-mind without sales agendasHow AI should support your business—not replace youWhy depth of relationship beats frequency of contactLegal Disclosure:Today in Mortgages is produced by Network Funding, LP, which is an equal housing lender, NMLS# 2297. The content of this program is meant to be a commentary on mortgage and real estate news and any discussion of rates and/or products should not be taken as individual mortgage or home buying advice or pricing estimates. Any commentary on this show should not be considered a promise to make a loan. All applicants for a loan must qualify, and you should consult a professional regarding your individual loan scenarios for your financial situation. Visit Licenses - Network Funding for all state licensing and other legal information.#TodayInMortgages #LoanOfficerLife #MortgageBusiness #RealEstateCareersSee more at TodayInMortgages.comWant to get expert coaching everyday and have the power of the best Network in Mortgages behind your production business? Learn more here. Learn more about Network Funding on our parent site. Today in mortgages is produced by Network Funding, LP, which is an equal housing lender, NMLS# 2297. Corporate office located at 10370 Richmond Ave. Suite 900, Houston, TX 77042. The content of this program is meant to be a commentary on mortgage and real estate news and any discussion of rates and or products should not be taken as individual mortgage or home buying advice or pricing estimates, and any commentary on this show is should not be considered a promise to make a loan. All applicants for a loan must qualify and you should consult a professional regarding your individual loan scenarios for your financial situation. Visit our website at nflp.com/licenses for all state licensing and other legal information.

May 12, 20268 min

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 market — and what professionals can do to replace fear with confidence.Key topics discussed:Why 64% of first-time buyers feel intimidated by the homebuying processThe confidence boost that comes from pre-qualificationHow loan officers can coach themselves through uncertain marketsWhy national headlines don’t reflect local market realitiesTurning fear-based conversations into fact-based decisionsLegal Disclosure:Today in Mortgages is produced by Network Funding, LP, which is an equal housing lender, NMLS# 2297. The content of this program is meant to be a commentary on mortgage and real estate news and any discussion of rates and/or products should not be taken as individual mortgage or home buying advice or pricing estimates. Any commentary on this show should not be considered a promise to make a loan. All applicants for a loan must qualify, and you should consult a professional regarding your individual loan scenarios for your financial situation. Visit our website at Licenses - Network Funding for all state licensing and other legal information.#TodayInMortgages #MortgageMarket #LoanOfficers #HomeBuying #RealEstateSee more at TodayInMortgages.comWant to get expert coaching everyday and have the power of the best Network in Mortgages behind your production business? Learn more here. Learn more about Network Funding on our parent site. Today in mortgages is produced by Network Funding, LP, which is an equal housing lender, NMLS# 2297. Corporate office located at 10370 Richmond Ave. Suite 900, Houston, TX 77042. The content of this program is meant to be a commentary on mortgage and real estate news and any discussion of rates and or products should not be taken as individual mortgage or home buying advice or pricing estimates, and any commentary on this show is should not be considered a promise to make a loan. All applicants for a loan must qualify and you should consult a professional regarding your individual loan scenarios for your financial situation. Visit our website at nflp.com/licenses for all state licensing and other legal information.

May 7, 20268 min

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, interest rates, and buyer strategy in 2026.Using insights from a recent CBS News article and real‑world borrower experience, we discuss:Why over half of buyers are putting less than 20% downWhen a larger down payment does make sense — and when it doesn’tThe hidden “phantom costs” first‑time buyers almost always overlookWhy cash reserves can matter more than rate savingsHow smart loan officers coach buyers through long‑term strategyIf you’re a homebuyer, real estate professional, or loan officer looking to better understand how deals should be structured today — this episode is for you.👇 Want to work with loan professionals who actually coach instead of sell?Visit https://you.nflp.com to see what makes Network Funding different.👍 Like the video🔔 Subscribe for twice‑weekly mortgage & housing insights📤 Share with someone thinking about buying a homeLegal Disclaimer:Mortgages are produced by Network Funding LP, which is an Equal Housing Lender, NMLS 2297. The content of this program is meant to be a commentary on mortgage and real estate news. Any discussion of rates and/or products should not be taken as individual mortgage or home buying advice or pricing estimates. This commentary should not be considered a commitment to lend. All applicants must qualify, and you should consult a professional regarding your individual loan scenario. Visit Licenses - Network Funding for state licensing and legal information.See more at TodayInMortgages.comWant to get expert coaching everyday and have the power of the best Network in Mortgages behind your production business? Learn more here. Learn more about Network Funding on our parent site. Today in mortgages is produced by Network Funding, LP, which is an equal housing lender, NMLS# 2297. Corporate office located at 10370 Richmond Ave. Suite 900, Houston, TX 77042. The content of this program is meant to be a commentary on mortgage and real estate news and any discussion of rates and or products should not be taken as individual mortgage or home buying advice or pricing estimates, and any commentary on this show is should not be considered a promise to make a loan. All applicants for a loan must qualify and you should consult a professional regarding your individual loan scenarios for your financial situation. Visit our website at nflp.com/licenses for all state licensing and other legal information.

May 5, 20268 min

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 isn’t the only factor, and how investor confidence, inflation data, and global events can move rates even when there’s no Fed meeting on the calendar.They also talk about: ✅ Why rates can fall without Fed cuts✅ How geopolitical uncertainty impacts mortgage pricing✅ What buyers should do when rates are swinging daily✅ Why locking your rate at the right moment matters✅ What’s happening at Network Funding for entrepreneurial loan officersWhether you’re a homebuyer, real estate professional, or loan officer trying to stay ahead of the market, this episode cuts through the noise and tells you what actually matters.👉 Loan professionals: Learn how to grow your brand with the support, products, and pricing you need at https://u.nflp.com👍 Like | 🔔 Subscribe | 📤 Share with someone navigating today’s marketLegal Disclaimer:Mortgages are produced by Network Funding LP, which is an Equal Housing Lender, NMLS 2297. The content of this program is meant to be a commentary on mortgage and real estate news. Any discussion of rates and/or products should not be taken as individual mortgage or home buying advice or pricing estimates. This commentary should not be considered a commitment to lend. All applicants must qualify, and you should consult a professional regarding your individual loan scenario. Visit Licenses - Network Funding for state licensing and legal information.See more at TodayInMortgages.comWant to get expert coaching everyday and have the power of the best Network in Mortgages behind your production business? Learn more here. Learn more about Network Funding on our parent site. Today in mortgages is produced by Network Funding, LP, which is an equal housing lender, NMLS# 2297. Corporate office located at 10370 Richmond Ave. Suite 900, Houston, TX 77042. The content of this program is meant to be a commentary on mortgage and real estate news and any discussion of rates and or products should not be taken as individual mortgage or home buying advice or pricing estimates, and any commentary on this show is should not be considered a promise to make a loan. All applicants for a loan must qualify and you should consult a professional regarding your individual loan scenarios for your financial situation. Visit our website at nflp.com/licenses for all state licensing and other legal information.

April 30, 20269 min

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 and USDA loans. The big question: Does this actually make homes more affordable… or is it just hype?We cover:What the rollback of the IECC (International Energy Conservation Code) really meansWhether builders will actually lower home pricesInsider feedback from real builder partnersWhy deregulation alone won’t solve the affordability crisisWhat kind of regulatory changes would move the needleIf you’re a loan officer, real estate agent, builder, or homebuyer, this is one you need to hear.👍 Like🔔 Subscribe📤 Share with someone in mortgages or real estate⚖ Legal DisclaimerMortgage is produced by Network Funding LP, Equal Housing Lender, NMLS 2297. The content of this program is intended for general informational purposes only and should not be construed as mortgage or home buying advice. Any discussion of rates or products is not a commitment to lend. All applicants must qualify. Visit http://nflp.com/licenses for state licensing and legal information.See more at TodayInMortgages.comWant to get expert coaching everyday and have the power of the best Network in Mortgages behind your production business? Learn more here. Learn more about Network Funding on our parent site. Today in mortgages is produced by Network Funding, LP, which is an equal housing lender, NMLS# 2297. Corporate office located at 10370 Richmond Ave. Suite 900, Houston, TX 77042. The content of this program is meant to be a commentary on mortgage and real estate news and any discussion of rates and or products should not be taken as individual mortgage or home buying advice or pricing estimates, and any commentary on this show is should not be considered a promise to make a loan. All applicants for a loan must qualify and you should consult a professional regarding your individual loan scenarios for your financial situation. Visit our website at nflp.com/licenses for all state licensing and other legal information.

April 28, 20267 min

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 falling rates mean for home buyers, sellers, and loan officers right now. With rates inching lower and inventory improving, movement is returning to the market — and opportunity is following.In this episode, we cover:What the mortgage lock-in effect really isWhy lower rates are finally pushing people to moveHow life events are overriding rate hesitationWhat current rate trends mean for buyers and sellersHow loan officers should re-engage their database right nowLegal DisclosureToday in Mortgages is produced by Network Funding, LP, which is an equal housing lender, NMLS# 2297. The content of this program is meant to be a commentary on mortgage and real estate news and any discussion of rates and/or products should not be taken as individual mortgage or home buying advice or pricing estimates. Any commentary on this show should not be considered a promise to make a loan. All applicants for a loan must qualify, and you should consult a professional regarding your individual loan scenarios for your financial situation. Visit https://nflp.com/licenses for all state licensing and other legal information.#TodayInMortgages #MortgageRates #LoanOfficers #RealEstateMarketSee more at TodayInMortgages.comWant to get expert coaching everyday and have the power of the best Network in Mortgages behind your production business? Learn more here. Learn more about Network Funding on our parent site. Today in mortgages is produced by Network Funding, LP, which is an equal housing lender, NMLS# 2297. Corporate office located at 10370 Richmond Ave. Suite 900, Houston, TX 77042. The content of this program is meant to be a commentary on mortgage and real estate news and any discussion of rates and or products should not be taken as individual mortgage or home buying advice or pricing estimates, and any commentary on this show is should not be considered a promise to make a loan. All applicants for a loan must qualify and you should consult a professional regarding your individual loan scenarios for your financial situation. Visit our website at nflp.com/licenses for all state licensing and other legal information.