Welcome back, Dreammakers, to Today in Mortgages! In this episode, hosts Michael and Richard talk about Jerome Powell's press conference in Washington. Rates did not change today - but no one was expecting that - citing a steady economy with maximum employment.

However, there is a lot of uncertainty about the future. Stagflation was discussed which is slow or negative economic growth due to higher unemployment and higher prices. No one knows what will happen to employment with the onset of tariffs. Powell wants to keep rates steady because of the uncertain future.

Listen in as we discuss this and more!

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Grow Your Business: https://join.nflp.com/
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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, 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.

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.

Welcome back, Dreammakers, to Today in Mortgages! In this episode, hosts Michael and Richard talk about Federal budget cuts!

Today's article is from MPA Mag: "Trump budget proposal targets major cuts to federal housing aid." Some of the proposed cuts include affordability programs totaling $33 billion from HUD. These programs assist a lot of first-time homebuyers, and Trump is trying to push these programs to the states control. Remember, this still needs to be approved by congress, but this is Trumps proposed outline.

Listen in as we discuss this and more!

______

Grow Your Business: https://join.nflp.com/
______

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, 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.

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.

Welcome back, Dreammakers, to Today in Mortgages! In this episode, hosts Michael and Richard talk about Federal budget cuts!

Today's article is from MPA Mag: "Trump budget proposal targets major cuts to federal housing aid." Some of the proposed cuts include affordability programs totaling $33 billion from HUD. These programs assist a lot of first-time homebuyers, and Trump is trying to push these programs to the states control. Remember, this still needs to be approved by congress, but this is Trumps proposed outline.

Listen in as we discuss this and more!

_____

Grow Your Business: https://join.nflp.com/
______

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, 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.

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.

Welcome back, Dreammakers, to Today in Mortgages! In this episode, hosts Michael and Richard talk about why your zestimate might be wrong. Buyers want deals. Newsweek.com's article "Americans could be over valuing their homes" says there is a divide between what sellers want to get, and what buyers are wanting to pay. Sellers just aren't getting top dollar, and 44% of all home sales have some form of concession. When interest rates come down, the spread between sellers and buyers will likely get smaller. This is just your classic example of supply and demand.

Listen in as we discuss this and more!

______

Grow Your Business: https://join.nflp.com/
______

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, 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.

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.

Welcome back, Dreammakers, to Today in Mortgages! In this episode, hosts Michael and Richard discuss whether we have flipped from a sellers to a buyers market. We've had an inventory problem the last few years which have benefitted sellers. With 85% of homeowners sitting below a 5% interest rate, homeowners have felt trapped in their current properties.

Todays article is from market watch "Housing market stalls as homeowners struggle to sell: "We're really bleeding." We are seeing rising inventory, high demand, price growth and a rise in sellers concessions. The housing market is in a healthy place.

Listen in as we discuss this and more!

______

Grow Your Business: https://join.nflp.com/
______

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, 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.

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.

Welcome back, Dreammakers, to Today in Mortgages! In this episode, hosts Michael and Richard are finally talking about some good news. A report came out in housingwire.com "New-home sales jump in March despite economic headwinds" where we are seeing some good news -- 6% growth in new-home sales and, strong growth in homes on the market.

Regionally the south is driving a lot of the growth where there's more land and it's a little cheaper to build. A lot of headlines are negative, but it doesn't trend with what we are seeing. We aren't seeing real value loss in properties.

Starter homes are now in the $400k range -- builders are getting creative with lenders to get buyers into homes from rate buydowns to DPA loans -- there's a lot of opportunity for first time homebuyers.

Listen in as we discuss this and more!

______

Grow Your Business: https://join.nflp.com/
______

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, 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.

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.

Welcome back, Dreammakers, to Today in Mortgages! In this episode, hosts Michael and Richard discuss where is housing de-regulation? We've been hearing a lot of talk about this, but not a lot of action.

Today's article is from Yahoo Finance "Big banks push for simpler mortgage rules as housing market slows." The article references some of the major reforms we are looking for which include making state & federal licenses uniform, giving the LO the ability to discount rates while simultaneously discounting their compensation, eliminating appraisals, and these are just a few of the things being discussed. We just don't know how and when this could happen.

Listen in as we discuss this and more!

______

Grow Your Business: https://join.nflp.com/
______

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, 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.

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.

Welcome back, Dreammakers, to Today in Mortgages! In this episode, hosts Michael and Richard discuss how uncertainty with rates might cause different mortgage products to do well in this mortgage environment.

We've been talking a lot about tariffs and rates for a while now on this podcast, and today's article from CNBC.com, "Homebuyers rush to riskier loans, as tariff turmoil pushes interest rates higher," talks about borrowers returning to adjustable rate mortgages. Buyers are doing this because interest rates are slightly lower for a short-term when you do an ARM, but it is not that much lower. They are mostly being used on larger loans where it makes more of a difference in price, but there are better options, such as a permanent buy-down using seller concessions. We are training our loan officers to equipped to help buyers navigate this tricky enviornment!

Listen in as we discuss this and more!

______

Grow Your Business: https://join.nflp.com/
______

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, 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.

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.