エピソード

  • Fed Rate Cut & AI Shock: How Mortgage Rates & Jobs Are Affected

    Fed Rate Cut & AI Shock: How Mortgage Rates & Jobs Are Affected
    2025/12/19
    In this episode, I break down why the latest Fed rate cut actually improved mortgage rates and what made this one different. We dig into market expectations, Treasury purchases, and how these moves felt a lot like quiet quantitative easing.

    We also examine AI as a real economic force: massive investment is boosting productivity and GDP, but not necessarily jobs, challenging assumptions about growth, employment, and household stability.

    Plus, I share a real-world AI story that exposed the risks of overconfidence, shallow sourcing, and blindly trusting AI tools. A reminder that logic, verification, and human judgment still matter.

    🧠 Topics We Cover in This Episode
    • Why this Fed rate cut improved mortgage rates when others didn’t
    • How market expectations and “priced-in” decisions work
    • Treasury purchases and quiet quantitative easing
    • Labor market weakness and missing economic data
    • AI infrastructure, productivity gains, and their impact on jobs
    • How AI challenges traditional economic assumptions
    • Real-world examples of AI overconfidence and errors
    • Using AI smarter with verification, logic, and multiple sources
    👉 This episode is full of smarter insights on rates, jobs, and the forces shaping the economy.
    🔔 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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    17 分
  • Mortgage Leadership: Coaching, AI, Recruiting & Growth Secrets with Bill Hart and Richard Milligan

    Mortgage Leadership: Coaching, AI, Recruiting & Growth Secrets with Bill Hart and Richard Milligan
    2025/12/12
    Are you ready to take your mortgage career to the next level? In this full Market Shares episode, Tony Blodgett sits down LIVE from Lake Union in Seattle with Bill Hart and Richard Milligan, two of the top minds in mortgage coaching, leadership, and strategy.

    From breaking free of burnout to mastering AI, digital influence, and database dominance, this episode is your roadmap to growing your team, building long-term client relationships, and future-proofing your business.

    Learn how to:
    • Use coaching to level up performance in a remote, fast-changing mortgage world
    • Recruit top talent and lead like a market-winning branch manager
    • Transform your database into a market-proof powerhouse
    • Connect emotionally and strategically with clients and recruits
    • Build a magnetic digital presence to grow your pipeline
    • Leverage AI to scale operations, content, and outreach
    • Break the “hamster wheel” of daily grind and elevate your impact
    • Commit to continuous growth and become your future best self
    🔥 This episode is full of practical strategies, mindset shifts, and real-life examples that can change the trajectory of your career in 2026.
    🔔 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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    54 分
  • Mortgage Rates, Fed Moves & Non-QM Boom: Insider Predictions for 2026 with Jason Obradovich

    Mortgage Rates, Fed Moves & Non-QM Boom: Insider Predictions for 2026 with Jason Obradovich
    2025/12/05
    What’s really driving mortgage rates today — and where are they headed in 2026? In today's full episode of Market Shares, Tony Blodgett sits down with New American Funding CIO Jason Obradovich for an insider’s look at capital markets, Fed policy, and the booming non-QM market.

    From lessons learned during the dot-com bust and 2008 financial crisis to decoding Treasury spreads, rate swings, and investor trends, Jason breaks down what loan officers and homebuyers need to know to stay ahead of the market.

    Whether you’re trying to predict rates, navigate the Fed’s moves, or understand the booming non-QM market, this episode gives you the insights you can’t afford to miss.

    📝 Topics We Cover:
    • Jason Obradovich’s 30-year mortgage journey & capital markets insights
    • How the Fed’s QT pause and rate expectations impact mortgage rates
    • Understanding 10-year Treasury spreads & their effect on home loans
    • Why non-QM is booming and what it means for 2026
    • Separating fact from fiction: subprime vs today’s non-QM market
    • Mortgage market risks: inflation, liquidity, recessions, and lessons from COVID
    • Predictions for mortgage rates in 2026 and what borrowers & LOs should expect
    🔔 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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    42 分
  • 50-Year & Portable Mortgages: Truths, Myths, and What’s Actually Coming

    50-Year & Portable Mortgages: Truths, Myths, and What’s Actually Coming
    2025/11/28
    The mortgage world is buzzing with headlines about 50-year mortgages, portable loans, and housing affordability—but what’s real, and what’s hype? In today's episode of Market Shares, Tony Blodgett breaks down the viral ideas, the math, and the market realities - giving you a clear, no-nonsense view of today’s housing finance landscape.

    From why a 50-year mortgage likely won’t happen, to the portability ideas that sound amazing but aren’t feasible in the U.S., to the real winners and losers in affordability debates - Tony’s decades of experience cuts through the confusion.

    If you’re a lender, real estate pro, or homeowner curious about what’s next in mortgages, this episode is essential listening.

    🧩 Topics We Cover:
    • The viral 50-year mortgage debate and why it likely won’t happen
    • The real math: 30-year vs 50-year loans and interest rate impact
    • Portable mortgages: why they work abroad but not in the U.S.
    • Investor, MBS, and legal/logistical hurdles for portability
    • Housing affordability realities vs headline hype
    • Who benefits—and who doesn’t—from these mortgage innovations
    • Practical advice for lenders, real estate pros, and homeowners
    🔔 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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    31 分
  • 2025 Housing Market Insights: Buyer Trends, Demographics & Where Your Business Should Focus

    2025 Housing Market Insights: Buyer Trends, Demographics & Where Your Business Should Focus
    2025/11/21
    The real estate market is changing—fast. In today's Market Shares episode, Tony Blodgett dives into the latest 2025 NAR Home Buyer & Seller Survey and breaks down the key trends, shifting demographics, and opportunities that every real estate agent and mortgage professional needs to know.

    From the collapse of first-time homebuyers to the rise of older move-up buyers, median buyer age now at 59, and the dominance of referrals and repeat clients, this episode is packed with actionable insights to help you adapt your strategy, capture the right buyers, and grow your business in today’s market.

    Even first-time buyers will learn why it might be the right time to act, how down payment options have changed, and why homeownership remains one of the best long-term investments.

    📊 Topics We Cover
    • Shifting buyer demographics and what it means for your business
    • The collapse of first-time homebuyers and why the average age is now 40+
    • Move-up and downsizing buyers: 45% of the market is ages 55–74
    • Buyer motivations: “right time to buy” vs. affordability
    • Median home tenure is 11 years—opportunities for refinance and cash-out loans
    • How referrals and repeat clients still generate 66% of business
    • Why social media, open houses, and direct mail rarely drive new clients
    • Cash purchases, down payment trends, and investment insights
    • Actionable tips for agents and loan officers to align with today’s 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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    18 分
  • LLPAs Exposed: How FICO, Down Payment & Hidden Fees Are Crushing Homebuyers

    LLPAs Exposed: How FICO, Down Payment & Hidden Fees Are Crushing Homebuyers
    2025/11/14
    In this episode of Market Shares, Tony Blodgett pulls back the curtain on loan-level price adjustments (LLPAs) and why they’re silently driving up mortgage costs for buyers, investors, and even cash-out refinancers.

    From second homes and investment properties to cash-out refinances, Tony walks through the numbers that most people don’t see—and how even a good credit score or decent down payment can still trigger thousands of dollars in hidden fees.

    We also dive into why Fed rate cuts haven’t lowered mortgage rates, the surprising profits of Fannie Mae and Freddie Mac, and how Barry Habib is working with the FHFA to push for much-needed relief. Whether you’re a homebuyer, real estate agent, or loan officer, this episode will give you the clarity you need to understand mortgage pricing today—and what could change soon.

    📌 Topics We Cover
    • How LLPAs are calculated: FICO score, down payment, and property type
    • Real examples of the cost impact on borrowers: second homes, investment properties, and cash-out refinances
    • How LLPAs can make certain loans almost impossible to offer
    • Why interest rates vary widely even between similar borrowers
    • Fannie Mae and Freddie Mac profits vs. the justification for high LLPAs
    • Barry Habib’s role in influencing FHFA discussions on LLPA reform
    • Early signs of relief for non-owner occupied properties and cash-out refinances
    • How LLPA adjustments affect homebuyers’ finances and potential homeownership opportunities
    🏡 Want to advise clients like a pro? Discover how LLPAs, credit, and property type affect pricing—and how to navigate the system.
    🔔 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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    24 分
  • Mortgage Market Update: Rates, Lawsuits & Winning Strategies

    Mortgage Market Update: Rates, Lawsuits & Winning Strategies
    2025/11/07
    In this jam-packed episode, Tony Blodgett breaks down the latest mortgage market insights, from a flat and uncertain housing market to major industry news. Get the scoop on the Optimal Blue lawsuit, the rise of VantageScore vs. FICO, and how the ongoing government shutdown and economic indicators are impacting rates. Plus, learn why your database is your biggest asset and how top loan officers are leveraging relationships to thrive, even in slow markets.

    Whether you’re a loan officer, real estate professional, or just curious about the mortgage world, this episode gives actionable insights to stay ahead, stay proactive, and create your own momentum in any market.

    🧩 Topics We Cover
    • Why the mortgage market feels flat and uncertain
    • The Mendex vs. Optimal Blue lawsuit and what it means for lenders
    • Updates on VantageScore and competition with FICO
    • Government shutdown, weak jobs data, and interest rate outlook
    • How top loan officers stay relational and proactive with their database
    • Strategies to create momentum and grow your business in any market
    🏠 Discover the latest mortgage market secrets, from rates and lawsuits to VantageScore insights, and learn how top loan officers leverage relationships and strategy 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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    16 分
  • Close More Loans: Mortgage Leads & Sales Strategies with Chad Church

    Close More Loans: Mortgage Leads & Sales Strategies with Chad Church
    2025/10/31
    Ever wondered how top loan officers close more deals and turn online leads into loyal clients? In this all-in-one episode of Market Shares, Tony Blodgett sits down with Chad Church, SVP of NAF Leads, to reveal the inner workings of mortgage lead generation, call centers, retail operations, and the strategies that make New American Funding a standout in the industry.

    From mastering refinance opportunities to understanding client psychology, building local relationships, and selling smarter with visual, auditory, and kinesthetic techniques, this episode is packed with actionable insights for any mortgage professional looking to boost conversions and retention.

    Topics We Cover:
    • Behind-the-scenes of mortgage call centers and lead distribution
    • How consumer direct and retail loan officers work together
    • Capturing cash-out and rate-and-term refinance opportunities
    • Pivoting call centers to purchase-focused leads and NAF Homes
    • Partnering with realtors while maintaining client trust
    • Local Buyer Connect: doubling conversion through relationships
    • Sales fundamentals: mindset, listening, asking for the transaction, and closing deals
    • Identifying visual, auditory, and kinesthetic clients for better communication
    • Using CRMs, texts, emails, and in-person strategies to future-proof your business
    • Understanding consumer behavior and online lead trends
    🏠 Unlock the strategies, relationships, and tools that top loan officers use to grow their business—this episode is your ultimate guide to mortgage lead success.
    🔔 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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    58 分