Stephen just sold his home in South Florida and relocated his family to Tennessee. In this episode, Derick and Stephen pull back the curtain on what it actually felt like to go through the process firsthand — the emotional side of selling, the stress of buying in a new market, coordinating a cross-state move, and the moment Stephen caught himself doing exactly what he tells clients not to do. An honest conversation about what buying and selling really feels like when it is your own money, your own family, and your own home.

Fed Chair Kevin Warsh spoke at the Jackson Hole symposium — and the bond market heard it loud and clear. In this episode, Derick and Stephen break down what Warsh actually said, why a September rate hike suddenly became a real possibility, and what all of this means for mortgage rates heading into fall. They also clear up a critical misconception: the Fed funds rate and your mortgage rate are not the same thing. Plus, practical takeaways for buyers who are wondering whether to keep waiting or stop trying to time a market that does not care what any of us want.

Football season means sports betting ads are everywhere — and they make losing look like fun. In this episode, Derick and Stephen break down what the numbers actually say about sports betting, why 95% of bettors lose money over time, and what that money could be doing instead. This is not about telling people they can not enjoy the games. It is about the financial habits that build quietly in the background and what they cost you when life does not go according to plan.

Derick and Stephen step away from market talk to share the financial advice they'd give their 20-year-old selves — protecting credit early, budgeting with intention, and not chasing appearances to impress others. They close with a reminder that wealth is built through small, consistent habits over time, not one big decision, and it's never too late to start.

Stephen and Derick sit down with Michelle Mendez of Arch MI to break down what mortgage insurance actually is, why the borrower pays for something that protects the lender, and the biggest myths buyers believe about PMI. The conversation covers FHA vs. conventional MI, whether waiting for 20% down is always smarter, and how buyers can eventually get PMI removed.

The Fed held interest rates steady, inflation moved in the right direction... yet mortgage rates are still changing. So what's really driving the market, and what could happen over the next six months?

Just a few years ago, buyers were competing for every home. Today, sellers are competing for buyers. So what changed... and what does it mean if you're buying or selling right now?

Most homebuyers spend weeks shopping for a house... but only minutes shopping for a lender. That mistake could cost you thousands.