エピソード

  • The Housing Inventory Myth: Why 36 States Still Have LESS Homes Than 2019

    The Housing Inventory Myth: Why 36 States Still Have LESS Homes Than 2019
    2026/03/13
    Think the housing shortage is over? Not so fast. Headlines are shouting about rising inventory, but the real story is much more complicated. In this episode of Market Shares, I break down surprising data from HousingWire and explain why so many markets are still facing shortages.

    From the pandemic-era Great Migration to today’s “Great Stay”, we look at why some states are overflowing with inventory while others are still running out of homes. Affordability, slow hiring, and migration patterns are all keeping the market stuck - and understanding the local details can give mortgage pros, realtors, and investors a major edge.

    Topics We Cover
    • Why national headlines on housing inventory can be misleading
    • Year-over-year vs. pre-COVID (2019) housing levels
    • States with the biggest shortages and where inventory is growing
    • Pandemic migration trends and “The Great Stay” phenomenon
    • How affordability and employment are affecting housing movement
    • Why real estate is hyper-local and why that matters
    • Actionable insights for loan officers, realtors, and investors
    🎙 Cut through the headlines and see the real picture of the U.S. housing market!
    🔔 Don’t miss out! Subscribe and stay ahead of the game with Market Shares.
    📌 New episodes drop every Friday at 10 AM PT!
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    11 分
  • Middle East Conflict, Oil Prices & Mortgage Rates: What Homebuyers & LOs Must Know

    Middle East Conflict, Oil Prices & Mortgage Rates: What Homebuyers & LOs Must Know
    2026/03/06
    Global events are shaking up mortgage rates and the spring housing market. Geopolitical tensions in the Middle East, disruptions in oil supply, and rising inflation could reverse the recent downward trend in rates - fast.

    In this episode of Market Shares, I explain why the Strait of Hormuz matters, how oil prices drive inflation and rates, and why the next 72 hours are critical for markets. I also break down key moves in MBS coupon pricing and what that means for borrowers, lenders, and builders.

    Topics We Cover:
    • How Middle East conflicts impact mortgage rates and housing
    • The critical role of the Strait of Hormuz in global oil supply
    • Why oil prices can override typical “flight to safety” market behavior
    • Best- and worst-case scenarios for interest rates after geopolitical events
    • How short-term vs prolonged conflicts influence inflation and the Fed’s actions
    • What happens in the MBS market, including shifts in coupons and rate sheet opportunities
    • The macro connection: oil, inflation, and mortgage rate movement
    • Historical lessons from Desert Storm and other black swan events
    • Practical takeaways for loan officers, real estate pros, and housing market watchers
    🎙 Understanding these global forces is essential to stay ahead!
    🔔 Don’t miss out! Subscribe and stay ahead of the game with Market Shares.
    📌 New episodes drop every Friday at 10 AM PT!
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    19 分
  • Mortgage Rates Exposed 2026: Par Rates, ARMs & Strategies to Save Thousands

    Mortgage Rates Exposed 2026: Par Rates, ARMs & Strategies to Save Thousands
    2026/02/27
    Are you really getting the best mortgage rate — or just the lowest number you see online?

    In this full episode of Market Shares, I expose the truth about par rates, adjustable rate mortgages (ARMs), and online rate quotes. With so much information available today, it’s easy to assume you’re getting the best deal — but the reality is often more complicated.

    I break down strategies for borrowers and loan officers alike - showing how to maximize savings, make smarter rate decisions, and present clients with the best options in 2026.

    🔎 Topics We Cover in This Episode
    • Why those “lowest rates online” aren’t always what they seem
    • How par rates and discount points actually work (and why it matters)
    • When a 5- or 7-year ARM might make more sense than a 30-year fixed
    • Smart strategies loan officers can use to show clients better options
    • How to calculate break-even on points and ARM pricing
    • Understanding the rate stack and mortgage-backed securities (without the headache)
    • Ways to help clients save money while building trust
    • How to go from just quoting rates to becoming a true mortgage advisor
    🎙 Watch the full episode for actionable strategies to save thousands and navigate today’s mortgage market like a pro.
    🔔 Don’t miss out! Subscribe and stay ahead of the game with Market Shares.
    📌 New episodes drop every Friday at 10 AM PT!
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    21 分
  • Off Track in 2026? Mortgage Growth Blueprint for Goals, Lead Generation & Database Strategy

    Off Track in 2026? Mortgage Growth Blueprint for Goals, Lead Generation & Database Strategy
    2026/02/20
    You set your 2026 mortgage goals. You built the business plan. You said this was your year.... so why isn’t production happening?

    In this episode of Market Shares, Dan Keller and I break down exactly what top-producing loan officers do to get back on track fast. We talk about how to turn your big income goals into daily, weekly, and monthly actions, how to generate leads from your database and sphere, and how to build a 100% referral-based mortgage business that keeps producing.

    No fluff. No motivation speeches. Just the process, urgency, and strategy that separates top producers from everyone else. If January didn’t go your way, this episode is your mid-Q1 reset — because your goals aren’t going to hit themselves.

    🔎 Topics We Cover
    • Mortgage business plan check-in for 2026
    • Why most loan officers fall off track after January
    • Outcome goals vs. process goals (and how to reverse engineer $300K+)
    • The monthly dashboard method for tracking units & income
    • The “Win 10 out of 12” strategy
    • Why activity today shows up 60–90 days later
    • What to do after a bad month
    • The 20x20 (and 20x13) database calling strategy
    • What to say to past clients (scripts included)
    • How to uncover cash-out refinance opportunities
    • Building a 100% referral-based mortgage practice
    • Why “I don’t know what to say” is the biggest excuse in sales
    • The urgency shift that separates top producers from stuck LOs
    👉 If you’re serious about growing your mortgage business in 2026, this is your blueprint.
    🔔 Don’t miss out! Subscribe and stay ahead of the game with Market Shares.
    📌 New episodes drop every Friday at 10 AM PT!
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    21 分
  • Housing Market Update: Credit Costs, Housing Reform, Rate Predictions & Reverse Mortgage Growth

    Housing Market Update: Credit Costs, Housing Reform, Rate Predictions & Reverse Mortgage Growth
    2026/02/13
    A lot is moving in the mortgage industry right now — and this episode breaks down the biggest stories you need to know.

    From rising credit report costs and potential underwriting changes, to major federal housing reform, rate forecasts that could trigger pent-up buyer demand, a spike in refinance activity, and the growing senior housing conversation — this is your quick monthly pulse check on what’s happening across the industry.

    This episode is about staying informed, staying positioned, and understanding where the industry momentum may be building next.

    🎯 Topics We Cover
    • Credit report cost increases and single bureau proposals
    • Housing for the 21st Century Act
    • Manufactured & affordable housing reform
    • Mortgage rate trends and pent-up demand
    • Refinance application surge
    • Senior housing shortages
    • Reverse mortgage opportunities
    • What mortgage professionals should be watching now
    👉 This episode gives you a quick, actionable pulse check so you can stay informed and positioned for what’s next.
    🔔 Don’t miss out! Subscribe and stay ahead of the game with Market Shares.
    📌 New episodes drop every Friday at 10 AM PT!
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    15 分
  • Social Media Mistakes That Can Cost You Clients, Credibility, or Your Career

    Social Media Mistakes That Can Cost You Clients, Credibility, or Your Career
    2026/02/06
    Social media isn’t just content—it’s your reputation.

    In this episode, I break down how posts, comments, likes, and even “neutral” engagement can quietly cost professionals clients, credibility, or their job—especially in mortgage and real estate.

    From permanent digital footprints and algorithm amplification to compliance risk, AI-driven research, and context collapse, this episode explains why social media must be treated as a professional platform in 2026.

    If your business depends on trust and referrals, this is a conversation you can’t afford to ignore.

    🧠 Topics We Cover
    • Why social media is both a growth tool and a credibility risk
    • How permanent posts, screenshots, likes, and comments really are
    • Why controversial content quietly alienates future clients
    • Social media compliance risks in mortgage and real estate
    • How algorithms reward emotion over professionalism
    • Why “no one sees my posts” is a dangerous myth
    • How clients, employers, and AI tools research you online
    • What context collapse is—and why it catches professionals off guard
    • When personality helps your brand (and when it hurts it)
    • Practical guardrails for protecting your reputation in 2026
    👉 This episode is packed with insights you won’t get anywhere else!
    🔔 Don’t miss out! Subscribe and stay ahead of the game with Market Shares.
    📌 New episodes drop every Friday at 10 AM PT!
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    22 分
  • How to Win as a Loan Officer in 2026 | Dustin Owen on Sales, AI & Career Strategy

    How to Win as a Loan Officer in 2026 | Dustin Owen on Sales, AI & Career Strategy
    2026/01/30
    What does it really take to succeed as a loan officer in the next five years?

    I sit down with Dustin Owen, founder of The Loan Officer Podcast (TLOP), to break down the fundamentals that matter most: sales skills, relationships, mindset, money, AI, and career strategy.

    Dustin shares lessons from his CMB journey, how content opened doors beyond production, and why fundamentals beat tech hype. We also cover referrals, market lessons, and why ethical career advising may reshape mortgage careers.

    Whether you’re producing loans, leading a team, or planning your next career move, this episode gives a clear, practical roadmap to stay relevant, profitable, and ahead of the curve.

    🧠 Topics We Cover
    • Dustin Owen’s journey & The Loan Officer Podcast (TLOP)
    • Why the Certified Mortgage Banker (CMB) matters
    • Moving from production to coaching & content influence
    • Sales skills, relationships, and referral-based business
    • AI, technology, and staying “robot-proof” in 2026
    • Psychology of money & lessons from past market crashes
    • Ethical career advising vs traditional recruiting
    • Building long-term wealth, mindset, and career leverage
    👉 This episode is packed with insights you won’t get anywhere else!
    🔔 Don’t miss out! Subscribe and stay ahead of the game with Market Shares.
    📌 New episodes drop every Friday at 10 AM PT!
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    1 時間 6 分
  • Trump’s $200B Mortgage Bond Move, Powell Probe & 10% Credit Card Cap — 2026 Housing Outlook

    Trump’s $200B Mortgage Bond Move, Powell Probe & 10% Credit Card Cap — 2026 Housing Outlook
    2026/01/23
    Is 2026 shaping up for lower mortgage rates… or major unintended consequences?

    In this episode, I break down the biggest policy moves and market signals shaping the next housing cycle — from the Trump administration’s proposed $200B purchase of mortgage-backed securities to the investigation into Fed Chair Jerome Powell, new ideas around using 401(k) and 529 funds for homebuying, and the controversial push to cap credit card interest rates at 10%.

    I explore how these moves could impact mortgage rates, affordability, inventory, consumer spending, and economic growth — and why markets are already pricing in volatility, opportunity, and risk.

    🧠 Topics We Cover:
    • Trump’s $200B mortgage bond (MBS) plan and its impact on rates
    • How this compares to COVID-era quantitative easing
    • What the market is already pricing in for 2026
    • The Jerome Powell investigation and Fed independence concerns
    • Using 401(k) and 529 funds to boost homeownership
    • Institutional investors, inventory, and housing supply dynamics
    • The proposed 10% credit card rate cap and its economic risks
    • How credit access, consumer spending, and GDP are connected
    • What falling rates could mean for buyers, refis, and home prices
    • Why policy decisions often create unintended ripple effects
    👉 This episode connects the dots between politics, policy, and the bond market.
    🔔 Don’t miss out! Subscribe and stay ahead of the game with Market Shares.
    📌 New episodes drop every Friday at 10 AM PT!
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    23 分