Mortgage Research Network Podcast

Mortgage Research Network
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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. 2d ago

    The First Step to Buying a Home Isn’t House Hunting

    In this episode of the Mortgage Research Network Podcast, host Paul Centopani speaks with Kara Ng, Senior Economist at Zillow, about what it really takes to become mortgage ready before you start seriously shopping for a home. Kara explains why buyers should begin preparing well before they find a property they want, including understanding their credit, building savings, and getting a realistic picture of what they can afford. The conversation breaks down why credit plays such an important role in the mortgage process, how factors such as payment history, debt, and new credit activity can affect a credit score, and why improving your credit can expand your mortgage options. Kara also discusses rent reporting as one way some renters may be able to build credit history and explains why prospective buyers should understand their own financial situation rather than relying only on broad rules of thumb. Paul and Kara also cover down payment planning, why buyers do not necessarily need 20% down, and the importance of budgeting for costs beyond the purchase price, including property taxes, insurance, HOA fees, maintenance, furniture, and appliances. Kara explains how buyers can use lenders and online affordability tools to better understand their buying power as mortgage rates change, and why getting pre-approved before seriously house hunting can help buyers focus on homes that fit their budget. Subscribe for more mortgage news, housing news, homebuyer tips, and real estate market updates. Comment below: What part of getting mortgage ready do you think buyers are most likely to overlook? 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 Kara Ng: LinkedIn: ⁠https://www.linkedin.com/in/kara-alice-ng/⁠ Website: ⁠https://www.zillow.com/research/author/karan/⁠ 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 0:51 – What Does It Mean to Be Mortgage Ready? 2:02 – How Early Should Buyers Start Preparing? 3:01 – Why Credit Matters 3:32 – What Goes Into a Credit Score? 3:53 – What Credit Score Should Buyers Aim For? 5:10 – What Can Raise or Lower Your Credit Score? 5:49 – Using Rent Payments to Build Credit 6:51 – Tools for Improving Your Credit 7:49 – Saving for a Down Payment 8:47 – Costs First-Time Buyers Often Overlook 9:20 – How Much Home Can You Actually Afford? 10:42 – When Should You Get Pre-Approved? 11:22 – Kara’s Advice for First-Time Buyers 12:12 – Outro ------ #Homebuying #MortgageReady #CreditScore

  2. 5d ago

    More Leverage, Less Interest, Higher Home Values: What’s the Trade-Off?

    In this episode of the Mortgage Research Network Podcast, host Tim Lucas examines three housing trends that appear encouraging on paper but come with important trade-offs. Homebuyers finally have more listings to choose from, pending sales have slowed, and about 21% of listings recently had a price cut. That gives qualified buyers more room to negotiate over price, closing costs, repairs, and mortgage rate buydowns. However, a buyer’s market cannot make an unaffordable monthly payment affordable. Tim also breaks down how making the equivalent of one extra mortgage payment each year could affect a $300,000, 30-year mortgage at 7%. The strategy could shorten the loan term by roughly six years and save around $100,000 in interest. But paying extra toward a mortgage may not be the best priority for someone carrying high-interest debt, lacking an emergency fund, or holding a very low mortgage rate. Tim explains the biweekly payment method, a simpler monthly alternative, and why borrowers should confirm that extra money is applied directly to principal. Finally, the episode looks at the growing connection between data centers and local housing markets. Counties with many data centers have experienced higher home values and stronger appreciation, but that does not prove the facilities caused that growth. Tim explores the potential effects on permanent employment, electricity costs, water use, infrastructure, and the future resale appeal of nearby homes. Subscribe for more mortgage news, housing news, homebuyer tips, and real estate market updates. Comment below: Would you put extra cash toward your mortgage or keep it in savings? 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 0:44 – Homebuyers Gain More Leverage 2:18 – Finding Out What the Seller Values 2:46 – Making One Extra Mortgage Payment 3:31 – Biweekly Payments and Servicer Rules 4:16 – When Paying Extra May Not Make Sense 5:17 – Cash Is King 5:57 – How Data Centers Affect Housing 7:14 – Correlation Versus Causation 8:06 – Electricity and Water Concerns 8:34 – Research Before You Buy 9:17 – Final Takeaways ------ #HousingMarket #MortgageTips #Homebuyers

  3. Sep 24

    Don’t Take the First Mortgage Offer. Here’s How to Shop Around.

    In this episode of the Mortgage Research Network Podcast, host Paul Centopani speaks with Hector Amendola, president at SimplyPMG, about how homebuyers can shop around for a mortgage, compare competing offers, and make a more informed choice before committing to a lender. Hector explains why borrowers should focus on getting an accurate, personalized quote rather than simply chasing the fastest answer, and why factors such as credit, income, debt, and down payment can affect the rate and terms a lender offers. The conversation also covers how many mortgage quotes buyers should get and how shopping around can create negotiating leverage. Hector recommends getting three quotes to get a good sense of the market and identify offers that may be out of line. He also explains which parts of a mortgage may have some room for negotiation and which costs, such as certain title, escrow, recording, tax, and insurance expenses, are generally outside a loan officer’s control. Hector also breaks down what buyers should look at when comparing mortgage offers, including the difference between the interest rate and APR, the monthly payment, and how much money they will need to bring to closing. He explains why the lowest rate is not always the only factor worth considering and why communication, strategy, and trust in the loan officer can matter during a stressful home purchase. He closes with advice for first-time homebuyers navigating today’s market and explains why having more negotiating room with sellers can sometimes open the door to financing options that may be harder to use in a highly competitive market. Subscribe for more mortgage news, housing news, homebuyer tips, and real estate market updates. Comment below: When comparing mortgage offers, what matters most to you: the rate, the closing costs, or the lender you’re working with? 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 Hector Amendola: LinkedIn: https://www.linkedin.com/in/hamendola/ 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 1:30 – Preparing to Shop for a Mortgage 3:03 – How Long Does a Mortgage Quote Take? 4:40 – How Many Mortgage Quotes Should You Get? 6:53 – What Makes a Good Loan Officer? 8:53 – What Mortgage Costs Are Negotiable? 11:27 – How to Compare Mortgage Offers 12:38 – Choosing Between Similar Mortgage Offers 14:29 – Advice for First-Time Homebuyers 16:04 – Outro ------ #MortgageTips #MortgageRates #Homebuying

  4. Sep 21

    Staying Put, Rebuilding, or Relocating: Housing Costs Beyond the Home Price

    Americans are moving less than they once did, and housing affordability appears to be a major reason. But staying put is only one example of how costs beyond a home’s purchase price can shape where—and how—people live. In this episode, Mortgage Research Network’s Tim Lucas examines why renters and homeowners are moving less, what California’s wildfire insurance disputes can teach homeowners everywhere, and whether relocating to a state without an income tax actually saves money. You’ll learn why many renters still want to own but increasingly doubt they can afford it, how longer homeowner tenure could affect the mortgage market and broader economy, what to review in your homeowners insurance policy before disaster strikes, and why moving expenses can erase years of anticipated tax savings. 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 Housing costs beyond the home price 00:39 Why Americans are moving less 01:34 Homeownership feels further out of reach 02:18 Getting a mortgage feels increasingly difficult 03:10 Homeowners and renters are both feeling locked in 03:42 Could mortgages start lasting longer? 04:07 How fewer moves affect the economy 04:31 California’s wildfire insurance dispute 05:38 Why homeowners insurance deserves more attention 06:54 Tim’s take: Review your insurance coverage 07:38 Check today’s mortgage rates 07:53 Is moving for lower taxes worth it? 08:17 The 10-year break-even example 09:20 Tim’s take: Rent before relocating 09:38 Final takeaways ------ #HousingMarket #HomeownersInsurance #HousingAffordability

  5. Sep 17

    A Home Appraisal Isn’t an Inspection. Here’s What It Really Does.

    In this episode of the Mortgage Research Network Podcast, host Paul Centopani speaks with Noah Meier, Chief Appraiser at Single Source Property Solutions, about what a home appraisal actually measures and why it matters during the mortgage process. Noah explains how appraisers analyze a property, its characteristics, recent sales, market conditions, and other relevant data to develop an independent opinion of value. He also clarifies why an appraisal is different from a home inspection and why buyers should not treat the two as interchangeable. The conversation also covers when an appraisal may be required, why some borrowers may qualify for alternative valuation methods, and what can cause appraisal costs to vary from one property or market to another. Noah explains how location, property type, complexity, available market data, and even the number of appraisers working in an area can affect the process. He also discusses what appraisers look at when evaluating a home, including location, market conditions, zoning, property condition, improvements, size, and amenities. Noah also breaks down what can happen when an appraisal comes in below the agreed purchase price. He explains how buyers may be able to request a reconsideration of value by identifying missing property features or providing more relevant comparable sales, as well as other potential outcomes such as renegotiating the purchase price or bringing additional money to closing. He closes by encouraging first-time homebuyers to look beyond simply getting the keys and make sure they are comfortable with both the financial commitment and the value of the home they are purchasing. Subscribe for more mortgage news, housing news, homebuyer tips, and real estate market updates. Comment below: Would you feel comfortable buying a home without an appraisal if your lender gave you the option? 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 Noah Meier: Website: ⁠https://www.singlesourceproperty.com/team/noah-meier/⁠ LinkedIn: ⁠https://www.linkedin.com/in/noah-meier-700290290/ 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 – What Is a Home Appraisal? 1:59 – Why Lenders Require Appraisals 3:03 – Do You Always Need an Appraisal? 4:11 – How Much Does an Appraisal Cost? 5:56 – Should You Ever Skip an Appraisal? 6:43 – What Appraisers Look For 8:54 – When the Appraisal Happens 9:27 – How Long Is an Appraisal Valid? 10:16 – Who Chooses the Appraiser? 12:00 – What Happens When an Appraisal Comes in Low? 14:54 – Options When There’s an Appraisal Gap 15:12 – Advice for First-Time Homebuyers 16:16 – Outro ------ #HomeAppraisal #Homebuying #Mortgage

  6. Sep 14

    Construction Costs, AI’s Effect on Mortgage Rates, and Deed Theft

    In this episode of the Mortgage Research Network Podcast, host Tim Lucas breaks down three very different forces affecting today’s housing market. First, why has it become so expensive to build new homes? Tim looks at research from the Federal Reserve Bank of New York and NYU’s Furman Center showing how rising material costs, skilled-labor shortages, difficult building sites, financing costs, and regulatory requirements can make adding new housing supply far more complicated than simply finding land and starting construction. Then, Tim explores an unexpected question: could the enormous amount of money being invested in artificial intelligence put upward pressure on mortgage rates? AI companies are spending trillions of dollars on data centers, semiconductors, power infrastructure, and other projects, with some of that investment financed through corporate bonds. That means corporate borrowers are competing for investor capital alongside the U.S. Treasury and mortgage-backed securities. Tim explains how that competition can affect bond yields, why some economists think AI could eventually help push rates lower, and why the timing is anything but certain. Finally, the episode turns to deed theft. Tim explains how fraudulent deeds can enter public records, why vacant and non-owner-occupied properties tend to be more vulnerable, and what homeowners can do to protect themselves. One particularly useful step is checking whether your local recorder or clerk offers a free property-recording alert service, which can notify you when a new deed, mortgage, lien, or other document is filed under your name or property. Subscribe for more mortgage news, housing news, homebuyer tips, and real estate market updates. Which of these three stories surprised you most: rising construction costs, AI’s connection to mortgage rates, or the way deed theft works? Let us know in the comments. 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 0:53 – Why New Homes Cost So Much 2:28 – Skilled Labor Is Adding to Construction Costs 3:13 – Why Financing Makes New Housing More Expensive 5:04 – Can Construction Costs Come Down? 6:04 – How AI Could Affect Mortgage Rates 7:09 – Corporate Bonds Join the Competition for Investor Money 8:49 – Could AI Eventually Push Interest Rates Lower? 9:28 – Why the Timing of an AI Rate Drop Is Uncertain 12:04 – How Deed Theft Works 13:55 – How Common Is Deed Theft, and Who Gets Targeted? 15:04 – How Homeowners Can Protect Themselves 16:07 – Strange Mail, Suspicious Documents, and Other Warning Signs 16:32 – What to Do If You Find a Fraudulent Filing 17:07 – Final Takeaway ------ #MortgageRates #HousingMarket #DeedTheft

  7. Sep 10

    Non-QM Loans Aren’t Subprime. Here’s What They Really Are.

    In this episode of the Real Estate Update Podcast, host Paul Centopani speaks with Mike Pearson, Senior Vice President at AD Mortgage and newly named President of the Florida Association of Mortgage Professionals, about what non-QM loans really are and why they should not be confused with subprime lending. Mike explains how non-QM mortgages fall outside certain qualified-mortgage requirements and why borrowers may use them when their income or documentation does not fit neatly within conventional lending guidelines. The conversation also explores who typically uses non-QM financing and why the borrowers may be stronger than the name suggests. Mike says many non-QM borrowers have credit scores above 760, substantial down payments, and experience purchasing real estate. He discusses why self-employed borrowers and real estate investors are two of the largest groups using these loans, as well as how bank statements, profit-and-loss statements, and business cash flow can sometimes provide a more useful picture of income than traditional tax-return underwriting. Mike also breaks down the potential tradeoffs, including situations where non-QM rates may be higher than conventional financing and others where investment or second-home borrowers may find better pricing. He explains why non-QM is usually not the first choice for typical first-time homebuyers, but may still provide flexibility for borrowers who fall just outside standard guidelines. He closes by encouraging buyers to understand all of their available mortgage options and work with an experienced loan originator who can help determine which structure makes the most sense. Subscribe for more mortgage news, housing news, homebuyer tips, and real estate market updates. Comment below: Before this episode, did you associate non-QM mortgages with subprime lending? 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 Mike Pearson: LinkedIn: https://www.linkedin.com/in/mike-pearson-1880408/ 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 1:11 – What Is a Non-QM Loan? 2:32 – Why Non-QM Isn’t Subprime 3:20 – Who Uses Non-QM Financing? 5:18 – How Non-QM Loan Terms Differ 6:01 – Are Non-QM Interest Rates Higher? 6:33 – Why Non-QM Lending Is Growing 7:35 – Who Should Consider a Non-QM Loan? 8:07 – Advantages for Self-Employed Borrowers 9:31 – Drawbacks of Non-QM Loans 10:16 – Are Non-QM Loans Good for First-Time Buyers? 11:31 – Advice for First-Time Homebuyers 12:28 – Outro ------ #NonQMLoans #MortgageOptions #Homebuying

  8. Sep 7

    Could a Bond Market Revolt Send Mortgage Rates Higher?

    In this episode of the Mortgage Research Network Podcast, Tim Lucas examines whether growing anxiety in the bond market could send mortgage rates sharply higher. With the national debt crossing $40 trillion, long-term Treasury yields rising, and investors paying closer attention to inflation and federal spending, warnings about “bond vigilantes” have returned. But is the bond market genuinely revolting—or simply registering concern? Tim explains why fixed mortgage rates are more closely connected to the bond market than to the Federal Reserve’s short-term policy rate. He breaks down the relationship between Treasury yields and mortgage-backed securities, why investors demand higher returns for taking on additional risk, and how the bond market can pressure governments when investors become concerned about fiscal policy. The episode also looks at previous bond-market selloffs and considers whether today’s conditions are truly comparable. Finally, Tim examines what the current outlook could mean for homebuyers and homeowners. Major forecasts do not point toward 9% or double-digit mortgage rates, but they also provide little reason to expect a return to 3%. The more realistic possibility may be an extended period with mortgage rates in the mid-to-upper 6% range. Tim identifies the indicators he’ll be watching and explains why there is an important difference between a warning sign and an evacuation order. Subscribe for more mortgage news, housing news, homebuyer tips, and real estate market updates. Comment below: Which concerns you more—mortgage rates moving sharply higher or remaining near today’s levels longer than buyers expect? 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 – Could Mortgage Rates Reach Double Digits? 01:07 – Why the Bond Market Matters to Mortgages 02:04 – Mortgage-Backed Securities vs. Treasuries 03:27 – The Scale of $40 Trillion in Debt 04:57 – What Are Bond Vigilantes? 06:20 – Is This a Warning Sign or a Crisis? 07:25 – Can the Treasury Calm the Bond Market? 08:47 – The Mortgage Rate Outlook 09:46 – Five Indicators Tim Is Watching 10:29 – The Bottom Line ------ #MortgageRates #BondMarket #HousingMarket

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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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