What is Driving World Debt?
Jeff examines how debt affects the world economy, with examples of what we can expect in the coming months and comparisons to past financial climates. Global economic difficulties are a concern right now and always something to be mindful of, so what possible repercussions will we see here in the US? Guests Oscar Carboni, Wendy Van Wessel, and Meredith Schlosser discuss Wall Street’s effect on interest rates and available loan options.
Real Estate – What Happened in 2021
Low interest rates and high demand creating a shortage of homes, Covid changing how and where people need to live to work, high inflation – all of these and more have impacted the mortgage market over the past year. Jeff takes a look back at 2021, with guests Connie Hernandez and Charles Giscombe forecasting what’s ahead in the industry in 2022.
Anxiety-Led Spending and Inflation
Jeff explores the different types of anxiety that have been brought on by the pandemic and are fueling the current spending habits of consumers. Not surprisingly, this has contributed to inflation, but how long we can expect the situation to continue? Guests Justin Simpers and Kurt Lehrmann look into cash-out refinancing and non-traditional loans.
What’s Ahead for the US Mortgage Market?
Jeff details the various indicators of where the market is heading leading up to and into the new year. Rumbles of uncertainty in other parts of the world, the continuing overlay of Covid, and government tapering are all coming together to make their mark on mortgage rates. Guests Jill Denton and Nina Penny report on real estate hot spots and reverse mortgages.
The Omicron Factor and Mortgage Rates
Jeff delves into how Omicron, the latest Covid variant, is causing volatility in the mortgage market and affecting the way consumers are choosing to spend their money. Will lower rates and overall pandemic fatigue translate into more people buying homes? Guests Reed Blake and Phil Berson weigh in on business lines of credit and issues with housing inventory in the LA area.
Wage Inflation vs. Supply-Side Inflation
Jeff examines the differences between wage and supply-side inflation and the unique ways they affect the economy. Can inflation actually be a beneficial thing? Guests Christian Ramos, Dr. Jeannie Bertoli, and Josh Thompson share their views on conventional interest rates, societal volatility, and catalysts that spur economic growth.
Determining Loans and Rates
Jeff delineates the qualifications brokers and lenders consider when ascertaining the right home loan for each borrower. To prepare consumers for their loan search, he advises what trends to track, the predictable things to watch for, and warns that lenders adjust their risk level in response to unpredictable local and global events. Guests Darren Woodworth and Eric Morgenson shed light on the seller’s market and rental properties.
China’s Ripple Effect on Mortgages
Jeff outlines the direct correlation of global events to the mortgage rate in the US. The changes in China’s economy from an agrarian to an urban/middle-class society have spurred unprecedented growth and higher consumption rates of American raw materials, affecting how we spend money here. Guests Connie Hernandez, Robert Perez, and Noah Shuffman present the latest on loans, investment properties, and technology.
Can Pricing-In Help You Secure a Good Rate?
Jeff explains pricing-in – how lenders use the information shared by the government on the proposed direction of interest rates to determine the setting of mortgage rates. With more homes on the market, now might be a good time for borrowers to take advantage of pricing-in to lock in a favorable loan rate. Sharon Moten, Charles Giscombe, and George Gonzales offer their insights on making it happen.
Anxiety in the Marketplace Means Higher Rates
Jeff focuses on the underlying causes that drive whether rates will go up or down. Global events like the pandemic have a domino effect on everything else, creating uneasiness in financial markets around the world. How will consumers be able to afford a home loan in this climate? He and his guests Michelle Wilde and Clint Brown discuss loan assistance programs and the future of solar energy.
