We’re wrapping up 2025 with one big question:

Is now the time to lock your mortgage rate?

In this episode, Michael and Rich break down what rate locks really mean, the pros and cons, and why timing matters more than ever. From Fed rate confusion to real-world examples, we’ll help you understand how locking today could save you from surprises tomorrow.

Plus, we’ve got a special invite for loan officers: take our industry survey at https://todayinmortgages.com and get a free benchmark report to see how you stack up in comp, tech, and support.

Listen in as we discuss this and more!

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Looking to GROW your business?
Find out how we are making our best producers even better and how you can DO MORE YOU inside the best Network in mortgages by visiting https://you.nflp.com

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Take our Loan Officer Survey to get your FREE industry report! Benchmark yourself, understand trends, and make smarter career decisions at https://todayinmortgages.com/survey/

#MortgageNews #RefinanceBoom #LoanOfficerLife #TodayInMortgages #NetworkFunding

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Today in Mortgages is produced by Network Funding, LP, which is an equal housing lender, NMLS# 2297.*

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. Any commentary on this show 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 https://nflp.com/licenses for all state licensing and other legal information.

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.

Fannie Mae and Freddie Mac are quietly adding billions to their mortgage bond portfolios. What does this mean for the housing market, interest rates, and your business as a loan officer? In this episode, Michael and Rich break down:

• Why Fannie and Freddie are holding more mortgage bonds
• The potential exit from government conservatorship
• How this could impact mortgage rates and housing affordability
• What loan officers should watch for in 2026 and beyond
• Year-end buying tips for motivated sellers

Plus, we’ve got a special invite for loan officers: take our industry survey at https://todayinmortgages.com and get a free benchmark report to see how you stack up in comp, tech, and support.

Listen in as we discuss this and more!

--

Looking to GROW your business?
Find out how we are making our best producers even better and how you can DO MORE YOU inside the best Network in mortgages by visiting https://you.nflp.com

--

Take our Loan Officer Survey to get your FREE industry report! Benchmark yourself, understand trends, and make smarter career decisions at https://todayinmortgages.com/survey/

#MortgageNews #RefinanceBoom #LoanOfficerLife #TodayInMortgages #NetworkFunding

______

Today in Mortgages is produced by Network Funding, LP, which is an equal housing lender, NMLS# 2297.*

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. Any commentary on this show 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 https://nflp.com/licenses for all state licensing and other legal information.

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.

What’s in store for housing and mortgage rates in 2026? In this episode of Today in Mortgages, we break down:

• The Fed’s latest rate cut and what it means for mortgage rates
• Why home prices are expected to rise only 1.4% next year
• Predictions for interest rates staying in the 6% range through 2026
• How affordability might improve (slowly!) and what that means for buyers
• Why mindset matters more than ever for loan officers heading into the new year

Key Takeaways:

• Fed signals only one more cut in 2026
• Home price appreciation expected to be modest but sustainable
• Interest rates likely to hover in the mid-6% range
• Positive mindset = more wins in a tough market

Plus, we’ve got a special invite for loan officers: take our industry survey at https://todayinmortgages.com and get a free benchmark report to see how you stack up in comp, tech, and support.

Listen in as we discuss this and more!

--

Looking to GROW your business?
Find out how we are making our best producers even better and how you can DO MORE YOU inside the best Network in mortgages by visiting https://you.nflp.com

--

Take our Loan Officer Survey to get your FREE industry report! Benchmark yourself, understand trends, and make smarter career decisions at https://todayinmortgages.com/survey/

#MortgageNews #RefinanceBoom #LoanOfficerLife #TodayInMortgages #NetworkFunding

______

Today in Mortgages is produced by Network Funding, LP, which is an equal housing lender, NMLS# 2297.*

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. Any commentary on this show 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 https://nflp.com/licenses for all state licensing and other legal information.

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.