Solving America's Problems

Jerremy Alexander Newsome & Dave Conley
  • 5.0 (12)
  • Philosophy
  • Updated Weekly

Solving America’s Problems isn’t just a podcast—it’s a journey. Co-host Jerremy Newsome, a successful entrepreneur and educator, is pursuing his lifelong dream of running for president. Along the way, he and co-host Dave Conley bring together experts, advocates, and everyday Americans to explore the real, actionable solutions our country needs. With dynamic formats—one-on-one interviews, panel discussions, and more—we cut through the noise of divisive rhetoric to uncover practical ideas that unite instead of divide. If you’re ready to think differently, act boldly, and join a movement for meaningful change, subscribe now.

  1. 2d ago

    Inside the Housing Standoff Freezing 1.7 Million Sales (Full)

    More than half of homeowners are locked into a rate under 4%, and an estimated 1.7 million home sales never happened because of it. Daniel Sosa has worked mortgages since 2007, when he watched Stockton become the foreclosure epicenter of the country. He tells Jerremy Alexander Newsome and Dave Conley that 65% of today's homeowners sit below a 4% rate with zero incentive to sell, while 5 million buyers wait on a market short roughly 3 million homes. He explains why 97% of today's loans are fully documented and fixed-rate — the opposite of the "Wild West" stated-income loans that caused 2008 — and describes turning away a police officer earning $300K who technically qualified for a $1.7 million house. Timestamps: (00:00) 1.7 million home sales – that never happened, explained (06:40) The $2,500 bank fee – he flatly refuses to ever charge (23:05) 65% of homeowners – are locked in and simply won't sell (35:38) Why a 2008-style crash – literally cannot happen again, he says (39:15) He turned away a cop – who could technically afford $1.7M (42:42) The invisible split – between who gets approved and who gets denied Connect: Daniel Sosa – Website | Facebook | Instagram 🌍 Connect with us: Instagram | YouTube | X | Web

  2. 3d ago

    The Exact Playbook For Turning a No Into a Yes

    Dave Conley presses Daniel Sosa on exactly who gets rejected versus approved. Daniel says anybody can eventually qualify for a home — the real question is credit profile and income, and credit-challenged buyers get a step-by-step plan instead of a flat no. He describes taking one client's credit score from 702 to 740 over 30 days to avoid $16,000 in points, and explains how self-employed borrowers who don't show enough income on paper still qualify through bank statement programs. Looking 20 years out, he predicts the average family will pay $5,000 a month in rent within his lifetime. Timestamps: (00:00) Dave asks the real question – who gets approved, and who gets denied (01:55) The exact line – between an approved buyer and a rejected one (05:15) 702 to 740 – the credit move that saved one client $16K (10:27) $5,000-a-month rent – is coming, and here's the math behind it Connect: Daniel Sosa – Website | Facebook | Instagram 🌍 Connect with us: Instagram | YouTube | X | Web

  3. 4d ago

    The 65% of Homeowners Who Will Never Sell

    Jerremy Alexander Newsome challenges Daniel Sosa to steelman the case against his own industry: don't easier loans just inflate prices further? Daniel doesn't dodge it — he says 65% of homeowners today sit below a 4% rate and have zero incentive to sell, while an estimated 5 million buyers wait on a market short roughly 3 million homes. He lays out why a 2008-style crash can't repeat, since 97% of today's loans are fully documented and fixed-rate instead of the adjustable "ticking time bombs" that caused the last one. And he describes turning away a police officer earning $300K who technically qualified for a $1.7 million house, because the payment would trap him in overtime for life. Timestamps: (00:00) Daniel gets challenged – on whether his own industry inflates prices (02:00) 5 million buyers – stuck waiting on the sidelines right now (13:44) Why a 2008-style crash – literally cannot happen again, he says (17:21) He turned away a cop – who could technically afford $1.7M Connect: Daniel Sosa – Website | Facebook | Instagram 🌍 Connect with us: Instagram | YouTube | X | Web

  4. 5d ago

    For the First Time Ever, Renting Beats Buying Here

    More than half of homeowners are locked into a rate under 4%, and an estimated 1.7 million home sales never happened because of it. Daniel Sosa, a mortgage broker who started in the business in 2007, tells Jerremy Alexander Newsome and Dave Conley he never charges the $1,300 to $2,500 in ancillary fees most banks build into every closing, saving clients $7,000 to $9,000 per transaction on average. He walks through the bank statement and profit-and-loss programs self-employed borrowers use to qualify without tax returns, and says entry-level buyers in his market now need six figures of household income just to qualify. For the first time in his 20-year career, he says, it's cheaper to rent than to own. Timestamps: (00:00) 1.7 million home sales – that never happened, explained (06:40) The $2,500 bank fee – he flatly refuses to ever charge (14:40) Self-employed buyers – who qualify for a mortgage without tax returns (20:21) Renting now beats buying – for the first time in his career Connect: Daniel Sosa – Website | Facebook | Instagram 🌍 Connect with us: Instagram | YouTube | X | Web

  5. Sep 3

    The House Always Wins: Inside America's Mortgage Machine (Full)

    More than half of Americans with a mortgage are locked in under 4%, freezing nearly two million home sales. JD Cobb has spent two decades closing loans in Texas, and his advice runs against the wait-and-see instinct: buy at today's price, refinance later. He takes Jerremy Alexander Newsome and Dave Conley through the whole machine — the four Cs, who really owns your note, the pay option ARMs he watched build the 2008 collapse, and the occupancy fraud no computer catches. He explains why self-employed borrowers get squeezed by their own write-offs and how insurance now kills approvals outright. He closes with the twelve assistance programs in one county and calls twenty percent down "the biggest myth ever." Timestamps: (01:07) JD's first closing – a cash-out refi, not a purchase(05:43) The four Cs – what lenders actually check(08:07) Who owns your loan – servicing gets sold, you keep paying(11:16) Pay option ARMs – balances grew when you paid(17:43) Starter homes are gone – the average buyer is now 38(25:44) Self-employed problem – write-offs make you unlendable(30:21) "Fast and Easy" – Countrywide's no-verification program(34:29) Insurance kills deals – wind, flood, and AI drawing lines(39:17) A dozen programs – the money nobody asks about(49:54) Lightning round – twenty percent down is the biggest myth(52:28) It's energy – JD's call on what moves rates next Connect: JD Cobb – Website | Instagram | Email 🌍 Connect with us: Instagram | YouTube | X | Web

  6. Sep 2

    The 20% Down Myth That Keeps Renters Renting

    There are twelve down payment assistance programs in Austin and Travis County alone, and JD Cobb says almost nobody asks. He names TSAC and TDHCA, which cover three to five percent down, plus a mortgage credit certificate he can count as monthly income. He tells Jerremy Alexander Newsome and Dave Conley that a soft credit pull costs the buyer nothing and that he'll pay to rescore a client's credit himself. He calls out new-build "incentives" as money rolled straight back into the loan. In the lightning round he names the biggest myth his clients believe — that they need twenty percent down — and says the real lever on rates is energy. Timestamps: (00:12) A dozen programs – the money buyers never think to ask about(00:37) TSAC and TDHCA – three to five percent, handed to you(02:50) The builder "incentive" – it's just rolled into your loan(04:23) Soft pull, no charge – what talking to a lender really costs(06:33) One lever – JD's pick if Congress could pull it(10:49) Lightning round – the myth every client walks in with(13:23) It's energy – why JD says that sets your rate Connect: JD Cobb – Website | Instagram | Email 🌍 Connect with us: Instagram | YouTube | X | Web

  7. Sep 1

    Starter Homes Vanished. Here's What Replaced Them

    The average American buyer is now 38 years old — Dave Conley bought his first home in his twenties and had to borrow the down payment from friends. Dave and Jerremy Alexander Newsome press JD Cobb on where the starter home went, and JD is blunt: Gen Z is skipping steps, and his own first house cost $187,000. He explains what happens when a self-employed file hits an underwriter's desk, why writing off most of your income makes you unlendable, and the one thing a computer can't catch — occupancy fraud. Then insurance: a file that died on flood costs, and AI drawing block-by-block lines around what can't be covered at all. Timestamps: (00:12) Borrowed the down payment – how Dave bought in the '90s(05:15) Starter homes are gone – JD's first house cost $187,000(08:15) Self-employed problem – your write-offs are killing your loan(11:30) The fraud computers miss – lying about who lives there(12:50) "Fast and Easy" – the Countrywide program with no verification(16:58) Texas wind insurance – $6,000 a year and climbing(20:02) AI draws the line – block by block, who gets covered Connect: JD Cobb – Website | Instagram | Email 🌍 Connect with us: Instagram | YouTube | X | Web

  8. Aug 31

    Why 2 Million Home Sales Are Frozen in Rate Lock-In

    More than half of Americans with a mortgage are locked in under 4%, and that lock-in alone has frozen out nearly two million home sales. JD Cobb's answer sounds backwards: don't wait for the rate, buy at today's price and refinance later. He walks Jerremy Alexander Newsome and Dave Conley through what a refinance actually involves, the four Cs every lender checks, and who owns your loan once it's sold on the secondary market. He explains why a portable mortgage would unfreeze the market and why mortgage-backed securities make it so hard. He also names the loan programs that were quietly building the 2008 collapse while he was selling them. Timestamps: (01:07) JD's first closing – a cash-out refi, not a purchase(05:43) The four Cs – what lenders actually check before approving(08:07) Who owns your loan – servicing gets sold, you keep paying(11:16) Pay option ARMs – balances grew when you paid(11:52) Stuck at 3% – a family who can't afford to move(15:27) $15,000 gone – what a bad pre-qual costs a buyer Connect: JD Cobb – Website | Instagram | Email 🌍 Connect with us: Instagram | YouTube | X | Web

See All (275)

5
out of 5
12 Ratings

About

Solving America’s Problems isn’t just a podcast—it’s a journey. Co-host Jerremy Newsome, a successful entrepreneur and educator, is pursuing his lifelong dream of running for president. Along the way, he and co-host Dave Conley bring together experts, advocates, and everyday Americans to explore the real, actionable solutions our country needs. With dynamic formats—one-on-one interviews, panel discussions, and more—we cut through the noise of divisive rhetoric to uncover practical ideas that unite instead of divide. If you’re ready to think differently, act boldly, and join a movement for meaningful change, subscribe now.

Information

  • Creator
    Jerremy Alexander Newsome & Dave Conley
  • Years Active
    2025 - 2026
  • Episodes
    275
  • Rating
    Explicit
  • Copyright
    © Copyright 2026 Solving Americas Problems LLC
  • Show Website
    Solving America's Problems

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