PODCAST · business
The Mortgage Voice
by PodClips
Host Jeff Barton explores topics related to the real estate and mortgage business, from how to get a mortgage to programs available across the spectrum of borrowers. The market is constantly changing and so are the rates, qualifications, and range of products available – tune in for the latest news and information.
Episodes
-
Marry the House, But Only Date the Interest Rate
Jeff advises potential homebuyers in this uncertain financial climate to find a property that is right for them instead of focusing on the high rates. With the shortage of available houses on the market, the window to snap up a property is short and likely has many other applicants. Is the answer...
-
Hey Fed, Why Such High Rates?
Jeff tries to make some sense of the continued high interest rates facing the mortgage industry by breaking down some of the contributing factors. Although unemployment has remained under four percent over the past two years, suggesting a robust economy, the Fed shows no indication that it plans…
more -
What Exactly is Stagflation?
Jeff defines the most recent buzzword that many are concerned will be the next step for the economy – stagflation. This is characterized by an economic situation in which the inflation rate is high or increasing, the economic growth rate slows, and unemployment remains steadily high. Is the US...
-
The Importance of the Human Factor in Real Estate
Jeff examines the potential impact of AI on the mortgage industry, where the latest sector to be affected is the appraisal process. Appraisals are under scrutiny as many push for the efficiency that AI could potentially offer. How much would electronic models miss out on that experienced human...
-
Positive Trends in the Marketplace
Jeff notes that there are some bright spots in the market despite the current challenges of high interest rates and low inventory. Unseasonably cold weather in SoCal has not kept prospective buyers from scoping out available homes, regions of the USA are enjoying a 15% decrease in housing prices,...
-
The Ever-Evolving Real Estate Landscape
Jeff navigates the complex terrain of today's real estate landscape, where, even though rates have stabilized, they are still much higher than in recent years. With the potential for property values to appreciate, could now be a good time to buy? How will the recent settlement between the…
more -
Extreme Weather Conditions Complicate Homebuying
Jeff outlines the difficulties that extreme weather and natural disasters cause in the real estate market in the wake of the heavy rains in California. Such events have an impact on property values and lending decisions alike, so how can homeowners and potential buyers prepare for the challenges...
-
The Baby Boom Tsunami
Jeff sheds some light on the impact of the phenomenon known as "the baby boom tsunami," a term given to the group of baby boomers projected to be selling their homes over the next decade. How many homes could this add to the market? How is the current lack of sufficient properties affecting…
more -
Why Won’t the Fed Lower Interest Rates?
Jeff explores the various economic indicators that determine how the Fed structures interest rates. With mortgage rates over 7% and higher inventory causing home prices to wane, economic factors like stubbornly high 3% inflation make Fed rate cuts unlikely soon. Could the stock market’s…
more -
Is Mortgage Rate Stability on the Horizon?
Jeff considers the potential for future mortgage interest rate stabilization or even decreases ahead as a possible bright spot in market volatility. With inflation impacting so many areas of the economy, many obstacles are still in the way of creating the housing needed amid a continued inventory...
-
Navigating the Market Amid Fluctuations in Mortgage Rates
Jeff delves into the dynamics of mortgage-backed securities and the relationship between the 10-year Treasury yield and mortgage rates. Rates are influenced by the yield on mortgage-backed securities, which needs to be competitive with the 10-year Treasury, but the two often vary significantly....
-
How Will Looming National Debt Interest Payments Impact Mortgages?
Jeff analyzes several key economic factors affecting the mortgage industry, including inflation, the national debt, and the reliability of government data. Will the upcoming interest rate payments on the national debt mean cuts to much-needed programs and services? How do homebuyers make solid...
-
Consumer Sentiment Indices and the State of the American Psyche
Jeff considers how the instability of many factors in the current economic climate – the war in Ukraine, housing inventory, mortgage rates, and inflation – impact the American psyche. Monthly surveys like the Michigan Consumer Sentiment Index report how consumers feel about conditions in the...
-
Trying to Make Sense Out of Inflation Information
Jeff wonders why it’s so difficult to get a more definitive handle on the direction of inflation. Economists give conflicting forecasts based on information released by the Fed, with predictions ranging from the stickiness of inflation to possible sudden drops in rates. How can buyers plan in…
more -
Is a Good Mortgage Rate Out of Reach for Most Home Buyers?
With rates on the rise again from the almost unheard-of lows seen during the last couple of years, many people wonder if they can buy a home at an affordable rate. Perhaps credit scores aren’t what they should be, a family member fell ill, or there was a gap in employment during the pandemic,...
-
Factors That Affect the Decision to Buy a Home
Jeff explores many of the questions that worry homebuyers, some of which are always on the checklist and others that have stemmed from difficulties exacerbated by the pandemic. Can we afford a home? What are the rates? Will the Fed keep raising rates, and how will that affect the prices of...
-
The Outlook for 2023
Jeff makes some predictions for 2023 regarding the real estate industry, home values, and interest rates. How do experts view the economic health of the year ahead? Will the Fed Fund rate increase? What changes are on the horizon for mortgage rates? Is the specter of a recession looming? Guests...
-
National is Not Local in the Real Estate Market
Jeff outlines some recommendations for homebuyers in the current real estate market, emphasizing that what is happening nationally does not always reflect the conditions present in individual areas of the country. Buyers need to focus on what is required to buy a home in the specific community...
-
The Changing Market
Jeff discusses how the various sectors of the real estate market are changing, whether in the individual areas of the country or in the industry itself and how they all comprise a mixed market. Why are conditions not the same across the board, what lies ahead with rates and prices, and is there…
more -
The Sea Change in the Mortgage Industry
Jeff delves into the many forms of inflation and how the perception of what causes it heralds changes throughout the economy and the mortgage industry. With so many life-altering events occurring over the last several years that have influenced inflation, will this be a motivating factor for…
more -
Is a Recession Imminent?
Jeff examines the clues that may lead to a potential recession in the US. The word itself evokes visions of unemployment, a big drop in the stock market, and a weakening of the real estate market. Is it a done deal, or will experts be able to steer the economy away from a major decline in the…
more -
Inflation and the Pursuit of Higher Profit Margins
Jeff explains the relationship between higher costs and profitability to shareholders when it comes to the impact of inflation. The availability of cheaper foreign products has been reduced because of supply chain issues, and with domestic manufacturing not as robust due to the demand for higher...
-
The Housing Market and the Affordability Index
Jeff sheds some light on the affordability index and the overall effect interest rates and inflation have, not only on a buyer’s potential to qualify for a mortgage, but also on the availability of properties in the housing market. Given the rapid rise in interest rates, is there a light at the…
more -
Keeping Nerves Steady in an Uncertain Market
Jeff considers the myriad causes of stress that seep into every aspect of our lives, with those stressors seeming to compound when the anxiety over buying a home is thrown into the mix. Is the dream of home ownership slipping further away for many in the current market? Guests Tyrell Robinson and...
-
What is the Flight to Safety?
Jeff explains the phenomenon, known as “the flight to safety,” that occurs when there is instability or uncertainty in the world - major shifts in the stock market, war, or a natural disaster, for example - causing investors to pull their money out of the stock market and put it somewhere more...
-
Dealing with Discrimination in Real Estate
Jeff contemplates the disparity between the advantaged and disadvantaged in the rapidly evolving real estate market. The better opportunities for the upper echelon of the mortgage industry compared to smaller companies are reflected in the imbalance between those with more money and better credit...
-
Why is it So Tough to Get a Mortgage These Days?
Jeff ponders the many issues being faced in the real estate market, from skyrocketing rates and loan costs to the specter of lending bias, to the possibility of fraud with loans increasingly more difficult to get. What are the pitfalls and caveats to consider when trying to secure a home loan?...
-
Exploring Program Options in a Tight Market
Jeff details the marked trajectory mortgage rates have taken since the beginning of the year. The number of properties on the market has declined, and multiple parties are bidding for those that are obtainable, driving prices out of reach for most people. What assistance is available to help more...
-
The Benefits of a Mortgage Rate Lock
Jeff breaks down the importance of locking in a loan rate. With rates rising at a pace not experienced in 40 years, securing a lock-in is more critical than ever. What essentials will help lenders guarantee an affordable rate before rates get even more astronomical? Guests Lena Waltham, April...
-
Achieving Focus in a World Full of Distractions
Jeff delves into the myriad distractions that keep us in an almost constant state of worry, whether it’s family issues, inflation, war, or local and world news. Layer this on top of considering buying a home in the current climate, and it’s almost too much to take in. How can you stay focused?...
-
Skyrocketing Interest Rates and US Debt
Jeff sheds some light on how interest rates have climbed to an astronomical height in the first three months of this year, with a rapidity not seen since 1994 for a similar time period. Will rates continue to escalate, and is there a reprieve in sight for the average homebuyer? Guests Jennifer...
-
Round-the-Clock News Adds to the Stress of Homebuying
Jeff examines how the 24/7 news cycles continually remind us of how inflation, Covid, and the war in Ukraine are making everything more expensive and add to the anxiety of those who are already concerned about how all of these events leave them with less money and fewer opportunities to buy a…
more -
The Tragedy of War and the Economic Fallout
Jeff ponders the catastrophic effects of war on the people caught in the middle of something they cannot escape from and relates how something happening halfway around the world touches us here in the US. How will it affect our day-to-day living? Guests Noah Shuffman, Anthony Alleva, and LaWanna...
-
How War in Europe Influences US Mortgage Rates
Jeff explains how the global economy is in a state of flux now that Russia has declared war on Ukraine. Inflation, already rising because of Covid, will be impacted by events in Europe as investors look for a safe haven away from the volatility inherent in wartime economics. What does this mean…
more -
Volatility on the World Stage Creates Market Uncertainty
Jeff outlines the different elements causing such dynamic shifts in the mortgage market. Upheaval in Ukraine, the specter of a recession, and inflation are all contributing factors to the daily changes in rates. How can homebuyers plan amid so much uncertainty? Jeff shares where to watch for the...
-
Strategies to Navigate a Tough Market
Jeff breaks down the inherent difficulties for anyone looking to buy or sell a home in the current financial climate. Inventory is about as low as it’s ever been, prices are high, and available properties are languishing. What can buyers and sellers do in such a tight market? Guests Justin…
more -
Opportunities in the Real Estate Market
Jeff weighs the pros and cons of the current mortgage climate, from the effect of the weather on housing sales to the surprising developments in the foreclosure process. Even with low property inventory, rising rates, and inflation, is it still a good idea to try to buy a home right now? Guests...
-
Be Here Now
Jeff encourages listeners to adopt a “Be Here Now” mindset when purchasing a new home. Buying in a hurry just to get a lower rate could result in settling for an undesirable property, but waiting for the expected changes in the economy over the next few months might make all the difference.…
more -
Negative vs. Positive Inflation
Jeff contrasts positive and negative inflation, and how we individually experience it shapes our opinion of it as a good or bad thing. Inflation affects almost everything in some manner, so where is it beneficial? Jeff's guests Laurie Preedge and Cindy Matthews share the latest on HELOCs and the...
-
Inflation – How Long Will It Last?
Jeff sheds some light on the many economic elements that contribute to inflation: those that are transitory and those that are more long-term. What are the aspects to be concerned about, and is there relief in sight? Guests Jason Frasier, Richard Greene, and Gentile Chhun delve into loan options,...
-
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...
-
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...
-
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...
-
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...
-
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...
-
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...
-
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...
-
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.…
more -
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...
-
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…
more
We're indexing this podcast's transcripts for the first time — this can take a minute or two. We'll show results as soon as they're ready.
No matches for "" in this podcast's transcripts.
No topics indexed yet for this podcast.
Loading reviews...
ABOUT THIS SHOW
Host Jeff Barton explores topics related to the real estate and mortgage business, from how to get a mortgage to programs available across the spectrum of borrowers. The market is constantly changing and so are the rates, qualifications, and range of products available – tune in for the latest news and information.
HOSTED BY
PodClips
Loading similar podcasts...
Frequently Asked Questions
How many episodes does The Mortgage Voice have?
The Mortgage Voice currently has 76 episodes available on PodParley. New episodes are automatically indexed when they're published to the podcast feed.
What is The Mortgage Voice about?
Host Jeff Barton explores topics related to the real estate and mortgage business, from how to get a mortgage to programs available across the spectrum of borrowers. The market is constantly changing and so are the rates, qualifications, and range of products available – tune in for the latest news...
How often does The Mortgage Voice release new episodes?
The Mortgage Voice has 76 episodes. Check the episode list to see recent publication dates and frequency.
Where can I listen to The Mortgage Voice?
You can listen to The Mortgage Voice on PodParley by clicking any episode. We provide an embedded audio player for direct listening, and you can also subscribe via your preferred podcast app using the RSS feed.
Who hosts The Mortgage Voice?
The Mortgage Voice is created and hosted by PodClips.
URL copied to clipboard!