Mortgage Research Network Podcast

Mortgage Research Network
  • 5.0 (2)
  • Business News

The Mortgage Research Network Podcast is your no-fluff, data-backed guide to the housing market. We break down the latest trends, news, and stories into simple, clear insights. Each episode helps you understand what’s happening in the world of real estate and how to use that knowledge to make smarter decisions, from locking in a great rate to choosing the right time to buy. We're empowering you with the facts, confidence, and tools to become a homeowner one episode at a time.

  1. 3h ago

    Stocks Overtake Homes, DSCR Loans Explained, and the Bank of Mom and Dad

    Americans now hold more wealth in stocks than in their homes. But with much of the stock market's recent growth tied to artificial intelligence, what could a major market downturn mean for buyers saving for a down payment? Tim Lucas examines the risks and why the timing of your investments matters. Thinking about buying your first rental property? A DSCR mortgage could offer another way to qualify based on the property's rental income. Tim explains how these loans work, walks through a real-world calculation, and discusses the expenses and financial risks that new landlords need to consider. And what about the Bank of Mom and Dad? Financial help from parents can make homeownership possible, but gifts, family loans, and co-signing come with different responsibilities. Tim breaks down the mortgage requirements, tax considerations, and potential financial pitfalls families should understand. Subscribe for more mortgage news, housing news, homebuyer tips, and real estate market updates. Comment below: If you were buying a home within the next year, would you keep your down payment savings invested in stocks or move them into a lower-risk account? Connect with Mortgage Research Network: YouTube: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.youtube.com/@MortgageResearchNetwork⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Instagram: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.instagram.com/mortgageresearchnetwork/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Facebook: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.facebook.com/mtgresearchnews⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Website: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠MortgageResearch.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ First Time Homebuyer Cheat Sheet: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://bit.ly/4w8CiVM⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Homebuyer Calculators: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://bit.ly/4n0hDPv⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Connect with a lender: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://bit.ly/426Gyaw ------ 00:00 Introduction 00:38 Stocks Overtake Homes in American Wealth 02:12 Tim's Take: Protecting Your Down Payment 02:55 DSCR Mortgages: Financing Your First Rental 05:11 Tim's Take: The Real Costs of Being a Landlord 05:45 Mortgage Rates 06:00 The Bank of Mom and Dad 08:17 Final Thoughts ------ #MortgageNews #DSCRLoans #Homebuying

  2. 4d ago

    The Housing Market Is Tough. Here's How Buyers Can Get Ahead.

    In this episode of the Mortgage Research Network Podcast, host Paul Centopani speaks with Jeffrey Ruben, President of WSFS Home Lending, about navigating today's challenging housing market and preparing financially for homeownership. With mortgage rates remaining elevated and affordability putting pressure on buyers, Jeffrey explains why understanding your local market, knowing what you can comfortably afford, and having a financial plan are more important than trying to predict where interest rates will go next. The conversation explores how buyers can evaluate their finances before purchasing a home, including calculating debt-to-income ratios, building savings for a down payment, and maintaining a strong credit profile. Jeffrey also discusses why qualifying for a mortgage doesn't necessarily mean you should borrow the maximum amount available, and how leaving room in your budget for unexpected expenses can help make homeownership more sustainable. Paul and Jeffrey also examine mortgage options that may help buyers manage costs, including adjustable-rate mortgages (ARMs) and how they compare with traditional fixed-rate loans. They discuss why your future plans should influence your mortgage decisions, how getting preapproved can strengthen an offer, and why higher mortgage rates may actually create negotiating opportunities for buyers in some local markets. Subscribe for more mortgage news, housing news, homebuyer tips, and real estate market updates. Comment below: Would you rather buy a home now with less competition and potentially more negotiating power, or wait for mortgage rates to fall? Connect with Mortgage Research Network: YouTube: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.youtube.com/@MortgageResearchNetwork⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Instagram: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.instagram.com/mortgageresearchnetwork/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Facebook: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.facebook.com/mtgresearchnews⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Website: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠MortgageResearch.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Connect with Jeffrey Ruben: LinkedIn: https://www.linkedin.com/in/jeffrey-ruben-983165379/ First Time Homebuyer Cheat Sheet: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://bit.ly/4w8CiVM⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Homebuyer Calculators: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://bit.ly/4n0hDPv⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Connect With a Lender: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://bit.ly/426Gyaw ------ 0:00 – Intro 0:36 – Meet Jeffrey Ruben 1:04 – Understanding Your Local Housing Market 2:57 – How Much Home Can You Afford? 3:32 – Debt-to-Income Ratios Explained 5:09 – Down Payments and Credit Scores 5:58 – Qualifying vs. Comfortably Affording a Mortgage 7:23 – Mortgage Options and Adjustable-Rate Loans 9:54 – Choosing a Mortgage Based on Your Future Plans 11:12 – Preparing Financially to Buy a Home 12:38 – Why Mortgage Preapproval Matters 13:23 – First-Time Homebuyer Advice and Negotiating Power ------ #Homebuying #HousingMarket #MortgageTips

  3. Oct 26

    Mortgage Rates Above 7% Through 2027? What Borrowers Need to Know

    Mortgage rates could remain above 7% through the end of 2027, according to the Mortgage Bankers Association. Fannie Mae has also raised its forecast, leaving homebuyers wondering when borrowing costs might finally come down. Tim Lucas examines what's keeping mortgage rates elevated, why Federal Reserve rate cuts don't necessarily mean lower mortgage rates, and what buyers should consider before making decisions based on rate predictions. Meanwhile, adjustable-rate mortgages (ARMs) are making a comeback as buyers look for ways to lower their monthly payments. Tim explains how ARMs work, why their initial rates can be attractive, and what borrowers should understand about future rate adjustments. New data from ICE also reveals how borrowers are managing higher mortgage costs through discount points and temporary rate buydowns. Plus, some homeowners with existing ARMs could face substantial payment increases when their loans reset. Tim breaks down the numbers and what they mean for borrowers. Subscribe for more mortgage news, housing news, homebuyer tips, and real estate market updates. Comment below: Would you consider an adjustable-rate mortgage to get a lower initial payment? Connect with Mortgage Research Network: YouTube: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.youtube.com/@MortgageResearchNetwork⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Instagram: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.instagram.com/mortgageresearchnetwork/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Facebook: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.facebook.com/mtgresearchnews⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Website: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠MortgageResearch.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ First Time Homebuyer Cheat Sheet: ⁠⁠⁠⁠⁠⁠⁠⁠⁠https://bit.ly/4w8CiVM⁠⁠⁠⁠⁠⁠⁠⁠⁠ Homebuyer Calculators: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://bit.ly/4n0hDPv⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Connect with a lender: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://bit.ly/426Gyaw ------ 0:00 – Intro 0:43 – Mortgage Rates Above 7% Through 2027? 3:08 – Why Adjustable-Rate Mortgages Are Making a Comeback 6:35 – Discount Points, ARM Resets & HELOCs 9:51 – Final Takeaways ------ #MortgageRates #AdjustableRateMortgage #Homebuying

  4. Oct 22

    You Can Afford a Home. So Why Can't You Get a Mortgage?

    In this episode of the Mortgage Research Network Podcast, host Paul Centopani speaks with Shawn King, Executive Vice President and Co-Founder of Arrive Home, about why some people struggle to qualify for a mortgage even when they have the income to afford the payments. Shawn explains how traditional mortgage underwriting can create challenges for self-employed borrowers, gig workers, and others with unconventional income or credit histories, and why alternative approaches to evaluating borrowers may help expand access to homeownership. The conversation explores the differences between traditional and nontraditional credit, including how lenders verify income, evaluate credit scores, and assess a borrower's ability to repay. Shawn discusses the growing role of rent-payment history, how VantageScore differs from FICO, and why someone's credit profile doesn't always tell the complete story of their financial situation. He also shares the story of a renovated home that attracted 100 prospective buyers, none of whom could qualify for traditional financing despite paying comparable amounts in rent. Paul and Shawn also examine ways to overcome common barriers to homeownership, including FHA loans, state and national down payment assistance programs, and Arrive Home's Earned Equity Program, which provides an alternative path for certain borrowers who cannot qualify for a traditional mortgage. Shawn explains how these programs work, who they may benefit, and why understanding the available options is important. He closes with advice for first-time homebuyers about affordability, building equity, and approaching homeownership as a long-term financial decision. Subscribe for more mortgage news, housing news, homebuyer tips, and real estate market updates. Comment below: Do you think a history of paying rent on time should carry more weight when qualifying for a mortgage? Connect with Mortgage Research Network: YouTube: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.youtube.com/@MortgageResearchNetwork⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Instagram: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.instagram.com/mortgageresearchnetwork/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Facebook: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.facebook.com/mtgresearchnews⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Website: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠MortgageResearch.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Connect with Shawn King: LinkedIn: https://www.linkedin.com/in/skingbogus/ Website: https://arrivehome.org/our-sales-team/shawn-king/ First Time Homebuyer Cheat Sheet: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://bit.ly/4w8CiVM⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Homebuyer Calculators: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://bit.ly/4n0hDPv⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Connect With a Lender: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://bit.ly/426Gyaw ------ 0:00 – Intro 0:27 – Meet Shawn King of Arrive Home 1:44 – What Is Traditional Credit? 2:49 – Who Are Nontraditional Borrowers? 4:37 – Can Rent Payments Help You Qualify? 7:18 – FICO vs. VantageScore 7:48 – How Credit Cards Affect Your Credit Score 9:45 – Why You Don't Need 20% Down 10:37 – FHA Loans and Down Payment Assistance 12:54 – National Down Payment Assistance Programs 14:41 – Alternative Paths to Homeownership 16:45 – How the Earned Equity Program Works 17:41 – Advice for First-Time Homebuyers 20:54 – The Long-Term Value of Homeownership ------ #MortgageOptions #DownPaymentAssistance #Homebuying

  5. Oct 19

    New Homes for Less? Wedding Gifts, HELOCs & More

    Cash wedding gifts could help you buy a home, but will your mortgage lender accept them? In this episode, Tim Lucas explains a little-known Freddie Mac rule that makes it easier to use wedding gifts toward a down payment or closing costs, including what documentation you'll need. New construction may also be more affordable than you think. Recent data shows that new homes are selling for less per square foot than existing homes nationally, and builders in some markets have more incentive to negotiate. Tim looks at why that's happening and what buyers should consider when comparing new and older homes. Plus, home equity borrowing is booming as homeowners look for ways to access cash without giving up their low mortgage rates. Tim breaks down how HELOCs and home equity loans compare with cash-out refinancing, along with the costs and risks to consider before borrowing against your home. Comment below: Would you consider buying a new home instead of an existing one if it cost less per square foot? Follow Mortgage Research Network for more mortgage and housing market news, insights, and practical homebuying advice. Connect with Mortgage Research Network: YouTube: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.youtube.com/@MortgageResearchNetwork⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Instagram: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.instagram.com/mortgageresearchnetwork/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Facebook: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.facebook.com/mtgresearchnews⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Website: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠MortgageResearch.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ First Time Homebuyer Cheat Sheet: ⁠⁠⁠⁠⁠⁠⁠⁠https://bit.ly/4w8CiVM⁠⁠⁠⁠⁠⁠⁠⁠ Homebuyer Calculators: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://bit.ly/4n0hDPv⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Connect with a lender: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://bit.ly/426Gyaw ------ 00:00 - Introduction 00:35 - Using Wedding Gifts for a Down Payment 03:03 - Why New Homes Can Cost Less Than Existing Homes 06:03 - Mortgage Rates Update 06:24 - HELOCs, Home Equity Loans & Cash-Out Refinancing 09:02 - Final Takeaways ------ #NewConstruction #HELOC #DownPayment

  6. Oct 15

    More Homes, More Mortgage Options, but Higher Rates

    In this episode of the Mortgage Research Network Podcast, host Paul Centopani talks with Tom Hutchens, President of Angel Oak Mortgage Solutions, about the changing housing market and what it means for homebuyers. With housing inventory growing, sellers facing more competition, and mortgage rates above 7%, buyers are navigating a market filled with both opportunities and challenges. Tom explains where buyers may have more negotiating power, why affordability remains a major obstacle, and whether waiting for lower mortgage rates is the right strategy. They also explore alternative mortgage options, including non-QM loans for self-employed borrowers, gig workers, and real estate investors. Tom explains how products such as bank statement mortgages can help buyers qualify for financing, shares his outlook for mortgage rates heading into 2027, and offers advice for first-time homebuyers. Subscribe for more mortgage news, housing news, homebuyer tips, and real estate market updates. Comment below: Would you buy a home at today's mortgage rates if you found the right property, or would you rather wait? Connect with Mortgage Research Network: YouTube: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.youtube.com/@MortgageResearchNetwork⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Instagram: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.instagram.com/mortgageresearchnetwork/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Facebook: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.facebook.com/mtgresearchnews⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Website: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠MortgageResearch.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Connect with Tom Hutchens: LinkedIn: https://www.linkedin.com/in/tomhutchens/ First Time Homebuyer Cheat Sheet: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://bit.ly/4w8CiVM⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Homebuyer Calculators: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://bit.ly/4n0hDPv⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Connect With a Lender: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://bit.ly/426Gyaw ------ 00:00 Intro 01:01 The Current Housing Market 02:21 Where Homebuyers Have More Leverage 03:47 Rising Inventory and Seller Expectations 05:19 What's Holding Buyers Back? 07:10 What Could Bring Mortgage Rates Down? 08:21 Alternative Mortgage Options and Non-QM Loans 12:08 Housing Market Outlook for 2027 13:11 Advice for First-Time Homebuyers ------ #MortgageRates #HousingMarket #MortgageOptions

  7. Oct 12

    Buy, Sell, or Keep Renting? Making Sense of Today’s Housing Market

    Buying can help you build equity, but does it make more sense than renting? In this episode of the Mortgage Research Network Podcast, Tim Lucas walks through the costs beyond your mortgage payment, how much equity you build early on, and why your plans for the next few years matter. For sellers, more buyer negotiating power means adjusting expectations. Tim explains how to price for today’s market, compare offers after concessions and selling costs, and consider your sale and next purchase together. Plus, does a slower housing market mean a crash is coming? Tim examines insights from economists Lawrence Yun and Daryl Fairweather, explains how lending standards and housing supply differ from the last crisis, and shares his take on leverage and debt. Subscribe for more mortgage news, housing news, homebuyer tips, and real estate market updates. Comment below: Are you planning to buy, sell, or keep renting—and what’s driving your decision? Connect with Mortgage Research Network: YouTube: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.youtube.com/@MortgageResearchNetwork⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Instagram: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.instagram.com/mortgageresearchnetwork/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Facebook: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.facebook.com/mtgresearchnews⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Website: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠MortgageResearch.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ First Time Homebuyer Cheat Sheet: ⁠⁠⁠⁠⁠⁠⁠https://bit.ly/4w8CiVM⁠⁠⁠⁠⁠⁠⁠ Homebuyer Calculators: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://bit.ly/4n0hDPv⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Connect with a lender: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://bit.ly/426Gyaw ------ 00:00 — More negotiating power, but can you afford to buy? 00:39 — Buying versus renting: Compare the full cost 03:54 — Tim’s Take: Buy when it fits your life 04:36 — Selling when buyers have more options 07:20 — Tim’s Take: Adjusting seller expectations 07:59 — Why a nationwide housing crash appears unlikely 10:02 — Tim’s Take: Leverage and debt 10:28 — Final takeaways for buyers and sellers ------ #HousingMarket #MortgageTips #Homebuyers

  8. Oct 8

    Self-Employed? Here's What Mortgage Lenders Really Look At

    In this episode of the Mortgage Research Network Podcast, host Paul Centopani speaks with Mikhail Burdeen, Regional Sales Manager at Cornerstone Home Lending, about what it takes to qualify for a mortgage when you're self-employed. Unlike traditional W-2 employees, self-employed borrowers often face additional documentation requirements and a more detailed review of their income, business expenses, and tax returns. Mikhail explains why earning substantial business revenue doesn't necessarily translate into an equally high qualifying income. He discusses how lenders evaluate business cash flow, deductions, and net income, and why borrowers sometimes discover that they qualify for less than expected. He also explores alternative mortgage options, including bank statement loans, 1099 programs, asset-based financing, and DSCR loans for real estate investors. The conversation also covers how down payment requirements and interest rates may differ between conventional and alternative mortgage products, along with common mistakes self-employed homebuyers make during the application process. Mikhail emphasizes the importance of keeping organized financial records, maintaining good credit, and working with both a mortgage professional and tax preparer before filing taxes or beginning the homebuying process. Whether you're a business owner, independent contractor, freelancer, or real estate investor, this episode offers practical guidance on understanding your mortgage options and preparing to buy a home. Subscribe for more mortgage news, housing news, homebuyer tips, and real estate market updates. Comment below: If you're self-employed, what's been your biggest challenge when applying for a mortgage? Connect with Mortgage Research Network: YouTube: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.youtube.com/@MortgageResearchNetwork⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Instagram: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.instagram.com/mortgageresearchnetwork/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Facebook: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.facebook.com/mtgresearchnews⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Website: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠MortgageResearch.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Connect with Mikhail Burdeen: LinkedIn: https://www.linkedin.com/in/mikhailburdeen/ First Time Homebuyer Cheat Sheet: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://bit.ly/4w8CiVM⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Homebuyer Calculators: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://bit.ly/4n0hDPv⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Connect With a Lender: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://bit.ly/426Gyaw ------ 0:00 – Intro 1:37 – Mortgages for Self-Employed Borrowers 2:27 – Income Documentation Requirements 4:30 – Mortgage Options for Self-Employed Buyers 5:29 – How Alternative Loans Compare 6:21 – Down Payment Requirements 7:39 – Interest Rates and Loan Costs 8:02 – Are Self-Employed Borrowers at a Disadvantage? 9:35 – How Business Revenue Affects Qualification 10:44 – Common Mistakes to Avoid 11:38 – Alternative Ways to Qualify 13:20 – How to Prepare for a Mortgage 16:19 – Advice for Today's Homebuyers 19:00 – Outro ------ #SelfEmployedMortgage #Homebuying #MortgageTips

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5
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2 Ratings

About

The Mortgage Research Network Podcast is your no-fluff, data-backed guide to the housing market. We break down the latest trends, news, and stories into simple, clear insights. Each episode helps you understand what’s happening in the world of real estate and how to use that knowledge to make smarter decisions, from locking in a great rate to choosing the right time to buy. We're empowering you with the facts, confidence, and tools to become a homeowner one episode at a time.

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