More Than Mortgage

The Mortgage Gallery
  • 5.0 (1)
  • Investing
  • Updated Weekly

More Than Mortgage is your go-to podcast for real estate pros who want to stay sharp, close more deals, and think beyond the basics. Hosted by Corey Freels and Lisa Wiles of The Mortgage Gallery, each episode brings you practical tips, market insights, and outside-the-box strategies—minus the jargon. Whether you're navigating a tricky market or just want fresh ideas to serve your clients better, we've got your back. Real talk. Smart strategy. And yes—more than mortgage. 📍 Serving TN · NC · SC · FL · AL 📞 865-263-6727 📧 TMG@TheMortgageGallery.com 🌐 www.TheMortgageGallery.com 🏡 NMLS #2289 | License #10911 | Equal Housing Lender

  1. Mortgage Rates Drop to 6.07% | Fed Does Nothing + New Fed Chair Pick | What Realtors Need to Know

    Feb 5

    Mortgage Rates Drop to 6.07% | Fed Does Nothing + New Fed Chair Pick | What Realtors Need to Know

    Mortgage rates improved slightly this week, with the 30-year fixed averaging 6.07% — and the Fed meeting brought… absolutely nothing. 👀 In this episode of Take Ten, Corey and Lisa break down: • Why the Fed “doing nothing” is actually good • Trump’s nomination of Kevin Warsh as next Fed Chair • Why the bond market really controls mortgage rates • Why independent mortgage banks now originate 84% of loans • Hybrid eClosings that save your clients time • What happens AFTER closing (this is the part no one else is doing) If you're a Realtor who wants to sound smarter in the room and add real value to your clients — this is your 10-minute cheat sheet. 📲 We work nights and weekends. 🏡 We believe your mortgage should be a long-term strategy, not just a transaction.

    11 min
  2. Rates Are Back Over 6%… Should You Use Your 401(k) to Buy a House? + FHA Traps to Avoid

    Jan 28

    Rates Are Back Over 6%… Should You Use Your 401(k) to Buy a House? + FHA Traps to Avoid

    Mortgage rates dipped below 6% for one day… and now they’re back over 6%. So what’s actually happening? In this episode of Take Ten, Corey and Lisa break down: • Why rates briefly fell below 6% • Why paying points is suddenly a strong strategy • Builder incentives that are creating “slick” deals • The proposed 401(k) down payment rule change • Should you tap retirement savings to buy a home? • What CrossMod homes are (and why they’re a powerful affordability solution) • A little-known FHA rule about wells and public water that can kill a deal • How listing agents can avoid financing surprises If you’re a Realtor, buyer, investor, or homeowner trying to understand today’s mortgage market, this episode gives you real strategy, not headlines. We explain what matters, what doesn’t, and how to structure deals creatively in this 6% rate environment. 📊 Data source: Optimal Blue Mortgage Market Index 🏡 Topics: mortgage rates 2026, paying discount points, 401k for down payment, CrossMod homes, FHA appraisal rules, well water requirements, builder incentives Real conversations. Real strategy. Ten minutes.

    10 min
  3. $200 Billion in Mortgage Bonds… Will Rates Actually Drop? + The Refinance Strategy Saving Clients $2,000/Month

    Jan 23

    $200 Billion in Mortgage Bonds… Will Rates Actually Drop? + The Refinance Strategy Saving Clients $2,000/Month

    Recently, the Trump administration instructed Fannie Mae and Freddie Mac to invest $200 billion into mortgage-backed securities... and the internet exploded. Did rates crash? Is this the beginning of 5% mortgages again? Or is the headline bigger than the impact? In this episode of Take Ten, Corey and Lisa break down: • What the $200B mortgage bond investment really means • Why rates didn’t drop as much as social media claimed • Where economists expect mortgage rates to trend in 2026 • Why rate stabilization matters more than dramatic drops • The truth behind the “foreclosures up 14%” headlines • A powerful cash-out refinance strategy saving clients $300–$2,000 per month • When to use a HELOC vs. a cash-out refinance If you’re a Realtor, homeowner, investor, or buyer waiting on rates to “crash,” this episode gives you the clarity you actually need. We cut through headlines and explain what’s really happening in the mortgage market — in under 10 minutes. 📍 Hosted by The Mortgage Gallery 📊 Real data. Clear strategy. No doom scrolling.

    11 min
  4. Rates Dip, Loan Limits Rise, and What Realtors Should Know This Week

    12/05/2025

    Rates Dip, Loan Limits Rise, and What Realtors Should Know This Week

    Rates are drifting down again, conforming loan limits are officially updated, and the industry is watching the December 10 Fed meeting. Corey and Lisa break down everything in 10 minutes so you can stay informed without digging through market reports. You’ll learn how the new limits change buying power, how jumbo loans differ, why appreciation makes assumptions challenging, and why portable mortgages aren’t realistic at scale. Plus, details for the December 11 business-planning class at Ancient Lore Village.

    11 min
  5. Mortgage Rates Dip Ahead of Thanksgiving: What the Fed Just Signaled

    11/26/2025

    Mortgage Rates Dip Ahead of Thanksgiving: What the Fed Just Signaled

    This week’s Take Ten comes with a turkey costume and a major shift in the mortgage market. Mortgage rates dipped again, now averaging 6.18 percent, and the odds of a December rate cut jumped from under 40 percent to more than 80 percent after a single comment from New York Fed President John Williams. Corey and Lisa break down what changed, why the markets reacted so quickly, and what this means for buyers and sellers heading into December. They also share details about the Mortgage Gallery’s upcoming Quest for Success business-planning experience at Ancient Lore Village on December 11, featuring two powerhouse speakers and practical tools Realtors can use to set up a strong 2026. Perfect for Realtors, lenders, and anyone who wants a fast, friendly, and no-nonsense weekly snapshot of the mortgage world.

    6 min
  6. Why Rates Won’t Drop in December + The Bank Statement Loan Everyone’s Sleeping On

    11/24/2025

    Why Rates Won’t Drop in December + The Bank Statement Loan Everyone’s Sleeping On

    In this episode of Take Ten, Corey Freels and Lisa Wiles from The Mortgage Gallery break down the latest market data and give Realtors the insights they need to win one more deal as we head into the holidays. We cover: • Why the December Fed meeting is unlikely to bring a rate cut • How to use the CME FedWatch Tool to sound like a market expert • Why mortgage rates ticked slightly higher this week • The truth about USDA delays and alternative 100 percent financing options • Why buyers are quietly popping up in December • Real stories from the field: — How a bank-statement loan boosted income from $3,800 to $27,500/month — An eight-day FHA close with a holiday in the middle • What Realtors should do right now to get listings in front of buyers who don’t even know they’re looking • The Half-Point Kickoff extension and how it helps buyers start with a a rate .5% lower for their first year Whether your buyers are waiting on rates, confused by the headlines, or unsure about their options, this episode arms you with clear talking points and real solutions to keep deals moving. 👉 We work weekends, nights, eight days a week. Send us your people. We’ll take care of them. AfterHours@TheMortgageGallery.com 865-263-6727

    10 min
  7. Mortgage Market Update: Shutdown Aftermath, Rate Squeeze, USDA Delays, and the Truth About 50-Year Loans

    11/14/2025

    Mortgage Market Update: Shutdown Aftermath, Rate Squeeze, USDA Delays, and the Truth About 50-Year Loans

    This week on Take Ten, Corey Freels and Lisa Wiles break down everything shaping the mortgage world right now in a fast, Realtor-friendly 10-minute update. Here’s what they cover: • Rates holding around 6.18% and why lenders are feeling the squeeze • What the government shutdown actually means for mortgage data • USDA fully stalled. Why files can’t even be uploaded yet and what that backlog will look like • Real 100% financing alternatives you can promote on your listings • The viral 50-year mortgage conversation and why the math just doesn’t math • When interest-only loans actually help clients (and when they don’t) • How other countries structure mortgages (yes, including that 100-year loan story) • Business planning for 2026: work life balance, consistent income, and scaling without chaos If you want straight answers, tactical tips, and real talk without the fluff, you’re in the right place. Email us at AfterHours@theMortgageGallery.com Or call us at 865-263-6727

    9 min
  8. Fed Cuts Rates... But Mortgage Rates Go UP?! | Bridge Loans, Recasts & Q4 Game Plan | Take 10 Podcast

    10/30/2025

    Fed Cuts Rates... But Mortgage Rates Go UP?! | Bridge Loans, Recasts & Q4 Game Plan | Take 10 Podcast

    The Fed finally cut rates, but mortgage rates went up?! In this week’s Take 10, Lisa Wiles and Corey Freels from The Mortgage Gallery unpack why that happened, what it really means for buyers and Realtors, and how to turn this tricky market into an opportunity. Here’s what you’ll learn: - Why mortgage rates don’t always follow Fed rate cuts - How to help buyers purchase before they sell with Fairway’s Bridge Loan - The genius pairing of Bridge Loans + Recasting for lower payments - How to plan now in Q4 to crush your 2026 goals - Fresh perspective on keeping your cup full, and your pipeline flowing It’s 10 minutes of clarity, creativity, and real-world tips you can use right now. www.TheMortgageGallery.com 865-263-6727 AfterHours@TheMortgageGallery.com #MortgageRates #FedRateCut #RealEstatePodcast #Take10Podcast #MortgageGallery #BridgeLoan #Recast #MortgageTips #RealtorEducation #MarketUpdate #LoanOfficerLife #HomeLoans #BusinessPlanning #MortgagePodcast #HousingMarket

    10 min
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Ratings & Reviews

About

More Than Mortgage is your go-to podcast for real estate pros who want to stay sharp, close more deals, and think beyond the basics. Hosted by Corey Freels and Lisa Wiles of The Mortgage Gallery, each episode brings you practical tips, market insights, and outside-the-box strategies—minus the jargon. Whether you're navigating a tricky market or just want fresh ideas to serve your clients better, we've got your back. Real talk. Smart strategy. And yes—more than mortgage. 📍 Serving TN · NC · SC · FL · AL 📞 865-263-6727 📧 TMG@TheMortgageGallery.com 🌐 www.TheMortgageGallery.com 🏡 NMLS #2289 | License #10911 | Equal Housing Lender

Information

  • Creator
    The Mortgage Gallery
  • Years Active
    2024 - 2026
  • Episodes
    50
  • Rating
    Clean
  • Copyright
    © The Mortgage Gallery 2025
  • Show Website
    More Than Mortgage