Veteran's United on Hedging Strategies in Mortgage Capital Markets

Join Paul Centopani as he sits down with Emily Overton, Capital Markets Manager at Veterans United, to pull back the curtain on how mortgage lenders manage risk and protect your interest rates. Whether you're a first-time homebuyer or an experienced investor, understanding the "why" behind mortgage rate locks is crucial for navigating today's volatile housing market.We dive deep into the world of mortgage hedging, explaining how capital markets teams protect profit margins from the moment you lock your loan until it's sold to investors. Emily clarifies the key differences between pre-qualification and pre-approval, the mechanics of float-down options, and how to position yourself for success in 2026. Plus, we explore low-down-payment options like the VA home loan, FHA, and Conventional 97 programs to help you lower the barriers to homeownership.Don't let market volatility catch you off guard. Learn from an industry expert how mortgage capital markets influence your home-buying journey.Connect with Mortgage Research Network:YouTube: ⁠https://www.youtube.com/@MortgageResearchNetwork⁠Instagram: ⁠https://www.instagram.com/mortgageresearchnetwork/⁠Facebook: ⁠https://www.facebook.com/mtgresearchnews⁠Website: ⁠MortgageResearch.com⁠Connect with Emily Overton:LinkedIn: ⁠https://www.linkedin.com/in/emily-o-645b8128/First Time Homebuyer Cheat Sheet: ⁠https://bit.ly/4w8CiVM⁠Homebuyer Calculators: ⁠https://bit.ly/4n0hDPv⁠Connect With a Lender: ⁠https://bit.ly/426Gyaw------00:00: Intro00:59: What is a Mortgage Rate Lock?01:35: Common Rate Lock Periods (15-60 Days)02:45: How Float Down Options Work3:35: Pre-Approval vs. Rate Locking05:01: Tips for Moving Fast in a Volatile Market06:16: VA, FHA, and Conventional 97 Programs08:20: Is Now a Good Time to Buy?------For more information on how mortgage rates work, visit MortgageResearch.com.#MortgageRates #CapitalMarkets #HomeBuyingTips