Today in Mortgages

Hosted by Today in Mortgages

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Episodes

274

Latest episode

Nov 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

November 6, 2026Episode 28012 min

Tapping Tax-Free Cash From Home Equity | Today in Mortgages Ep. 280

With the election wrapped up and financial markets responding, homeowners across the country could be sitting on substantial tax-free cash without realizing it. In this episode of Today in Mortgages, Rich and Michael unpack what shifted post-election and how to make home equity work for you. **What we cover:** • How the election outcome and AI tech fatigue are impacting the stock market and bond yields • The truth about tapping home equity as tax-free income through HELOCs • Demystifying reverse mortgages for homeowners age 62 and older • How debt consolidation loans can help borrowers save thousands on high-interest credit card debt • Why loan officers need to deeply understand their products to guide clients in a tough market Are you considering using your home equity to consolidate debt or supplement retirement? Drop a comment below with your thoughts, hit the like button, and be sure to subscribe for weekly mortgage insights and market updates. Today in Mortgages is produced by Network Funding, LP | Equal Housing Opportunity Lender, NMLS ID #2297 | nflp.com/licenses See more at TodayInMortgages.com Want 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.

October 30, 2026Episode 2797 min

Will Trump's Order Fix Housing Affordability? | Today in Mortgages Ep. 279

A new executive order promises to tackle mortgage affordability, but can government policy really lower housing costs? Trusted mortgage advisor Rich Jefferson joins Michael to unpack the latest proposals and what the Federal Reserve's rate decisions mean for borrowers. **What we cover:** • Inside the new executive order targeting VA refinances, appraisals, title insurance, and PMI • Why the Fed held interest rates and what a 94% chance of future bumps signals for December • Deregulation for manufactured housing and whether it can assist first-time homebuyers • Why political promises cannot replace natural market cycles when fixing home prices • What buyers and industry professionals must watch as we head toward 2027 Are these executive actions enough to shift the housing market, or will elevated rates force home prices down naturally? Leave your thoughts in the comments below, hit subscribe for weekly mortgage insights, and share this episode with someone navigating today's market. Today in Mortgages is produced by Network Funding, LP | Equal Housing Opportunity Lender, NMLS ID #2297 | nflp.com/licenses See more at TodayInMortgages.com Want 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.

October 16, 2026Episode 27811 min

Fannie Mae Sharply Raises 2027 Rates | Today in Mortgages Ep. 278

Fannie Mae just sharply increased its 2027 mortgage rate forecast to 7.5%, shattering hopes for a near-term dip in borrowing costs. In this episode, Michael and industry guru Rich Jefferson dive into the latest inflation numbers, upcoming Fed decisions, and how buyers and real estate pros can still win. **What we cover:** - Why higher CPI at 0.6% and core PPI spikes signal more Fed rate hikes ahead - Fannie Mae's revised 2027 mortgage rate outlook jumping from 6.8% to 7.5% - How 4 million home sales are still projected to close this year despite an 8% drop in listings - Smart payment strategies including temporary rate buydowns to help home buyers afford today's market - The crucial role of seasoned loan officer guidance when navigating challenging headwinds What strategies are you using to manage monthly housing payments right now? Let us know in the comments below, and don't forget to like, subscribe, and share this episode with a colleague or home buyer! Today in Mortgages is produced by Network Funding, LP | Equal Housing Opportunity Lender, NMLS ID #2297 | nflp.com/licenses See more at TodayInMortgages.com Want 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.

October 9, 2026Episode 27710 min

The Great Housing Power Shift | Today in Mortgages Ep. 277

The housing market power struggle is here, and buyers are finding themselves with more leverage than they've had in years. Rich and Michael break down the latest news, from the Fed's continuing battle with inflation to the cooling of buyer demand. While sellers are hesitant to drop prices, they are becoming more willing to offer concessions that can save buyers thousands. What we cover: * Why the Fed's interest rate hikes are creating volatility and impacting the housing market. * How the power dynamic is shifting from sellers to buyers as demand plummets. * Smart negotiation tactics: why asking for concessions is more valuable than a price cut. * The difference between permanent and temporary interest rate buydowns. What are your thoughts on the current market? Share your experience in the comments below and don't forget to subscribe for more insights! Today in Mortgages is produced by Network Funding, LP | Equal Housing Opportunity Lender, NMLS ID #2297 | nflp.com/licenses See more at TodayInMortgages.com Want 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.

October 2, 2026Episode 27610 min

New Appraisal Process Changes | Today in Mortgages Ep. 276

A brand-new home appraisal process is here, and it's causing chaos for lenders and appraisers. Rich and Michael break down exactly what buyers and sellers need to know about the new Uniform Appraisal Dataset (UAD 3.6) requirements that just went into effect. What we cover: * The Fed's latest PCE report and what it means for inflation. * Why the 10-year Treasury is rising despite other easing indicators. * Details on the new Uniform Appraisal Dataset (UAD 3.6) and its impact on turn times and costs. * How technology and AI are helping loan officers with more confident pre-approvals. What are your biggest questions about the housing market right now? Let us know in the comments below and don't forget to subscribe for more insights! Today in Mortgages is produced by Network Funding, LP | Equal Housing Opportunity Lender, NMLS ID #2297 | nflp.com/licenses See more at TodayInMortgages.com Want 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.

September 18, 2026Episode 2759 min

The 4% Mortgage Rate Returns | Today in Mortgages Ep. 275

A 4% mortgage rate sounds like a dream in today's market, but some home builders are making it a reality. On this episode, Rich and Michael pull back the curtain on the counterintuitive strategies unfolding in the real estate world following the Fed's latest rate hike. They explain how builder buydowns and forward commitments are allowing new construction homes to be sold with surprisingly low rates without driving down neighborhood values. **What we cover:** * The market's volatile reaction to the Fed's quarter-point interest rate hike. * Why the Fed's aggressive stance on inflation actually calmed markets. * How builders use concessions and buydowns to offer sub-market rates. * The difference between negotiating price vs. negotiating seller concessions. Are these builder incentives a smart move for buyers? Let us know your thoughts in the comments, and be sure to subscribe for the latest mortgage insights. Today in Mortgages is produced by Network Funding, LP | Equal Housing Opportunity Lender, NMLS ID #2297 | nflp.com/licenses See more at TodayInMortgages.com Want 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.

September 11, 2026Episode 27411 min

Using Seller Concessions to Win | Today in Mortgages Ep. 274

Negotiating a lower home price might seem like the obvious move, but you could be leaving serious money on the table. In a volatile market, understanding how to leverage every tool available is crucial, and seller concessions are a powerful one that many buyers overlook. Rich and Michael explain why this strategy is often far more beneficial than a simple price reduction. **What we cover:** * Why seller concessions are often better for buyers than a lower sale price. * How to use concessions to permanently buy down your interest rate. * A practical example of how an $18,000 concession can save you $300 a month. * The current state of the market, including recent PPI data and its impact on rates. * The importance of working with an experienced loan officer who understands these strategies. What are your biggest questions about buying a home in today's market? Let us know in the comments, and don't forget to subscribe for more expert insights! Today in Mortgages is produced by Network Funding, LP | Equal Housing Opportunity Lender, NMLS ID #2297 | nflp.com/licenses See more at TodayInMortgages.com Want 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.

September 4, 2026Episode 2739 min

Paying Your Mortgage Off Early | Today in Mortgages Ep. 273

Is paying off your mortgage early always the right move? While it might seem like a clear path to financial freedom, Rich and Michael break down why it's a nuanced decision. What we cover: * The surprising number of homeowners making extra payments. * How one extra payment a year can shave years and thousands of dollars off your loan. * When it makes more sense to invest your cash instead of paying down a low-interest mortgage. * The current economic factors, from bond markets to oil prices, affecting interest rates. * Actionable advice for both homeowners and loan professionals on navigating this strategy. What are your thoughts on making extra mortgage payments? Share your strategy in the comments below, and don't forget to subscribe for more insights! Today in Mortgages is produced by Network Funding, LP | Equal Housing Opportunity Lender, NMLS ID #2297 | nflp.com/licenses See more at TodayInMortgages.com Want 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.

August 28, 2026Episode 2729 min

Will Mortgage Rates Improve in September? | Today in Mortgages Ep. 272

Will mortgage interest rates finally see some relief in September? It's the question on every homebuyer's mind, but the answer isn't as simple as we'd hope. Rich and Michael tackle the uncertainty head-on, breaking down a recent CBS News article that explores the key factors influencing the market. **What we cover:** * The three primary forces that will dictate whether rates go up or down: the upcoming Fed meeting, ongoing global tensions, and critical inflation data. * A detailed breakdown of why waiting for lower rates could cost you more in the long run due to home price appreciation. * The real-world math: how a 'big' rate swing of a half-percent actually translates to your monthly payment and overall costs. * Actionable steps you can take now, like improving your credit score, to put yourself in a stronger financial position regardless of what the market does. If you're trying to time the market, this is a must-watch episode. What are your predictions for the fall? Let us know in the comments below, and don't forget to subscribe for more weekly insights! Today in Mortgages is produced by Network Funding, LP | Equal Housing Opportunity Lender, NMLS ID #2297 | nflp.com/licenses See more at TodayInMortgages.com Want 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.

August 21, 2026Episode 27112 min

Rates Keep Rising | Today in Mortgages Ep. 271

Fannie Mae just revamped its mortgage rate forecast, and the predictions for 2026-2027 are not what we expected. With the national debt crossing the $40 trillion mark and continued market volatility, what does this mean for homebuyers and real estate professionals navigating the current landscape? In this episode, Rich Jefferson and Michael discuss the factors driving the new forecast and what it takes to succeed in a high-interest-rate environment. **What we cover:** * How the staggering $40 trillion national debt is impacting interest rates. * Fannie Mae's revised mortgage rate predictions for the rest of the year and into 2027. * Why waiting for rates to drop can be a 'fool's game' and cost you more in the long run. * Strategic advice for using seller concessions to secure a permanent rate buydown. What's your strategy for advising clients in this market? Share your thoughts in the comments below! Today in Mortgages is produced by Network Funding, LP | Equal Housing Opportunity Lender, NMLS ID #2297 | nflp.com/licenses See more at TodayInMortgages.com Want 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.