Beyond The Rate

Charlie Braden, Will Braden
  • 4.0 (4)
  • Business News
  • Weekly

Beyond The Rate is a real-world look at what’s actually moving the mortgage, housing, and broader economy. Hosted by Texas mortgage brokers Charlie Braden and Will Braden of J. Charles Lending, the show goes past the daily rate headlines to break down the market forces behind them, what’s changing, why it matters, and how those shifts affect buyers, homeowners, real estate professionals, and the housing market as a whole. No hype. No recycled headlines. Just practical perspective, market context, and two brothers looking at the numbers from every angle.

  1. 2d ago

    Who Should Be Buying a Home in Texas Right Now?

    Texas is still a buyer’s market, and weekly mortgage applications are sitting under 190,000. In this episode of Beyond the Rate, Charlie and Will break down which buyers can take the most advantage of the opportunity right now. We cover: First-time buyers and why you should focus on the house, not the rateMove-up buyers, including how renting out your current home can helpMarket-savvy buyers who negotiate 5% to 10% off and plan a refinanceSecond-home and vacation-home buyers on the Texas coast and in the Hill CountryWhat to do if you have to sell your home before you buyWhy waiting for rates to hit 6% could mean double the competition and fewer seller concessionsWhether you’re ready to buy or just exploring your options, this conversation will help you look at the market through a smarter lens. Read the full breakdown on our Resource Center: [add link] Beyond the Rate, a Shop That Rate podcast, is hosted by the team at J. Charles Lending. www.jcharleslending.com

  2. 5d ago

    Open Real Estate formed by 4 Real Estate Giants

    Four of the biggest real estate brokerages in the country just teamed up on Open Real Estate, a shared listing platform built to answer Compass and its private exclusive listings. What does it mean if you're buying or selling a home? Recorded the day after the announcement, Charlie and Will break down how we got here, from the NAR commission settlement to Compass vs. Zillow, and who actually comes out ahead: boutique brokerages, sellers who need privacy, sellers testing a price, and luxury homes. We also take a hard look at Compass's claim that private listings sell for 4.6% more, and ask the bigger question: if the largest brokerages run their own listing networks, does the MLS still have the same job?

  3. Oct 23

    How Rates Get Down to 5%

    Most people are waiting for rates to come down, and we feel that expectations for how low rates will get are unrealistic. We dissect what it will take for conventional rates to get down to 5%.

  4. Oct 21

    Factors that could lead to lower rates

    Last week we discussed our Pre-Election Game plan and a Housingwire article last weekend made the same argument. We discuss the four factors that could lead to lower rates.

  5. Oct 17

    Pre Election Game Plan

    Inflation came in higher than expected, but the reaction was the exact opposite with rates finishing this week a quarter point lower than last week. We also talk about a home buying game plan as the mid term elections near.

  6. Oct 10

    Bonus Episode: 3 Recent Buyer Scenarios

    The market is favoring buyers but not every deal is the same. Buyers can find value in many different ways and we get into a few of those here.

  7. Oct 10

    Current Market, Buyers vs Sellers

    Buyers are able to get aggressive right now and sellers understand the current state of the market. We go Beyond the Rate to talk strategy going into an offer.

  8. Sep 30

    It's Not the 2021 Market

    Everyone wants the 2021 rate but they don't remember what the 2021 market was actually like. The value back then was low rate but massive competition among home buyers. Today it's flipped, the value is a discount on the price and seller paid closing costs.

See All (15)

Ratings & Reviews

4
out of 5
4 Ratings

About

Beyond The Rate is a real-world look at what’s actually moving the mortgage, housing, and broader economy. Hosted by Texas mortgage brokers Charlie Braden and Will Braden of J. Charles Lending, the show goes past the daily rate headlines to break down the market forces behind them, what’s changing, why it matters, and how those shifts affect buyers, homeowners, real estate professionals, and the housing market as a whole. No hype. No recycled headlines. Just practical perspective, market context, and two brothers looking at the numbers from every angle.

Information

  • Creator
    Charlie Braden, Will Braden
  • Years Active
    2026
  • Episodes
    15
  • Rating
    Clean
  • Copyright
    © Charlie Braden, Will Braden
  • Show Website
    Beyond The Rate

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