In this week’s Mortgage Heroes Podcast, we tackle some of the hottest and most controversial real estate topics of Summer 2025 — including new ADU rules in San Diego, home improvement loan pros & cons, and the Fed’s decision to hold rates steady (again).

Whether you’re a homeowner, investor, or first-time buyer, this episode brings the insights and real talk you need to navigate today’s market with confidence.

🧠 What we cover:
✅ San Diego’s major changes to the ADU bonus program
✅ Why investors and residents are clashing over density and parking
✅ How to use ADUs the smart way (without angering your neighbors)
✅ Best home improvement loans of June 2025 — when to use them vs. a HELOC
✅ Fed keeps rates flat — what it means for mortgages, credit cards & auto loans
✅ How inflation data and political pressure are impacting future rate cuts
✅ Why now might be the BEST time to get a HELOC or refinance your debt

Plus: Insightful banter, birthday shoutouts 🎉, and a fresh perspective on how you can build smarter — not just bigger — in today’s evolving housing market.

💬 What’s your take on the new ADU caps in San Diego?
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