Today in Mortgages

Is fear or finances really what’s keeping buyers on the sidelines? In this episode of Today in Mortgages, Michael David and Rich Jefferson break down how fear, anxiety, and misinformation are shaping buyer and loan officer behavior in today’s market — and what professionals can do to replace fear with confidence.Key topics discussed:Why 64% of first-time buyers feel intimidated by the homebuying processThe confidence boost that comes from pre-qualificationHow loan officers can coach themselves through uncertain marketsWhy national headlines don’t reflect local market realitiesTurning fear-based conversations into fact-based decisionsLegal Disclosure:Today in Mortgages is produced by Network Funding, LP, which is an equal housing lender, NMLS# 2297. The content of this program is meant to be a commentary on mortgage and real estate news and any discussion of rates and/or products should not be taken as individual mortgage or home buying advice or pricing estimates. Any commentary on this show should not be considered a promise to make a loan. All applicants for a loan must qualify, and you should consult a professional regarding your individual loan scenarios for your financial situation. Visit our website at Licenses - Network Funding  for all state licensing and other legal information.#TodayInMortgages #MortgageMarket #LoanOfficers #HomeBuying #RealEstateSee more at TodayInMortgages.comWant to get expert coaching everyday and have the power of the best Network in Mortgages behind your production business? Learn more here. Learn more about Network Funding on our parent site. Today in mortgages is produced by Network Funding, LP, which is an equal housing lender, NMLS# 2297. Corporate office located at 10370 Richmond Ave. Suite 900, Houston, TX 77042. The content of this program is meant to be a commentary on mortgage and real estate news and any discussion of rates and or products should not be taken as individual mortgage or home buying advice or pricing estimates, and any commentary on this show is should not be considered a promise to make a loan. All applicants for a loan must qualify and you should consult a professional regarding your individual loan scenarios for your financial situation. Visit our website at nflp.com/licenses for all state licensing and other legal information.

How much should you really put down when buying a home in today’s mortgage rate environment?In this episode of Today in Mortgages, Michael David and Rich Jefferson break down what’s real and what’s hype when it comes to down payments, interest rates, and buyer strategy in 2026.Using insights from a recent CBS News article and real‑world borrower experience, we discuss:Why over half of buyers are putting less than 20% downWhen a larger down payment does make sense — and when it doesn’tThe hidden “phantom costs” first‑time buyers almost always overlookWhy cash reserves can matter more than rate savingsHow smart loan officers coach buyers through long‑term strategyIf you’re a homebuyer, real estate professional, or loan officer looking to better understand how deals should be structured today — this episode is for you.👇 Want to work with loan professionals who actually coach instead of sell?Visit https://you.nflp.com to see what makes Network Funding different.👍 Like the video🔔 Subscribe for twice‑weekly mortgage & housing insights📤 Share with someone thinking about buying a homeLegal Disclaimer:Mortgages are produced by Network Funding LP, which is an Equal Housing Lender, NMLS 2297. The content of this program is meant to be a commentary on mortgage and real estate news. Any discussion of rates and/or products should not be taken as individual mortgage or home buying advice or pricing estimates. This commentary should not be considered a commitment to lend. All applicants must qualify, and you should consult a professional regarding your individual loan scenario. Visit Licenses - Network Funding  for state licensing and legal information.See more at TodayInMortgages.comWant to get expert coaching everyday and have the power of the best Network in Mortgages behind your production business? Learn more here. Learn more about Network Funding on our parent site. Today in mortgages is produced by Network Funding, LP, which is an equal housing lender, NMLS# 2297. Corporate office located at 10370 Richmond Ave. Suite 900, Houston, TX 77042. The content of this program is meant to be a commentary on mortgage and real estate news and any discussion of rates and or products should not be taken as individual mortgage or home buying advice or pricing estimates, and any commentary on this show is should not be considered a promise to make a loan. All applicants for a loan must qualify and you should consult a professional regarding your individual loan scenarios for your financial situation. Visit our website at nflp.com/licenses for all state licensing and other legal information.

Mortgage rates have been on a wild ride lately — but could relief finally be on the way this May?In this episode of Today in Mortgages, Michael and Rich break down what’s really driving mortgage rates right now, why the Fed isn’t the only factor, and how investor confidence, inflation data, and global events can move rates even when there’s no Fed meeting on the calendar.They also talk about: ✅ Why rates can fall without Fed cuts✅ How geopolitical uncertainty impacts mortgage pricing✅ What buyers should do when rates are swinging daily✅ Why locking your rate at the right moment matters✅ What’s happening at Network Funding for entrepreneurial loan officersWhether you’re a homebuyer, real estate professional, or loan officer trying to stay ahead of the market, this episode cuts through the noise and tells you what actually matters.👉 Loan professionals: Learn how to grow your brand with the support, products, and pricing you need at https://u.nflp.com👍 Like | 🔔 Subscribe | 📤 Share with someone navigating today’s marketLegal Disclaimer:Mortgages are produced by Network Funding LP, which is an Equal Housing Lender, NMLS 2297. The content of this program is meant to be a commentary on mortgage and real estate news. Any discussion of rates and/or products should not be taken as individual mortgage or home buying advice or pricing estimates. This commentary should not be considered a commitment to lend. All applicants must qualify, and you should consult a professional regarding your individual loan scenario. Visit Licenses - Network Funding  for state licensing and legal information.See more at TodayInMortgages.comWant to get expert coaching everyday and have the power of the best Network in Mortgages behind your production business? Learn more here. Learn more about Network Funding on our parent site. Today in mortgages is produced by Network Funding, LP, which is an equal housing lender, NMLS# 2297. Corporate office located at 10370 Richmond Ave. Suite 900, Houston, TX 77042. The content of this program is meant to be a commentary on mortgage and real estate news and any discussion of rates and or products should not be taken as individual mortgage or home buying advice or pricing estimates, and any commentary on this show is should not be considered a promise to make a loan. All applicants for a loan must qualify and you should consult a professional regarding your individual loan scenarios for your financial situation. Visit our website at nflp.com/licenses for all state licensing and other legal information.

Building just got $20,000 cheaper — at least that’s the headline.In this episode of Today in Mortgages, Michael and Rich break down a major HUD and USDA announcement rescinding energy efficiency building code requirements tied to FHA and USDA loans. The big question: Does this actually make homes more affordable… or is it just hype?We cover:What the rollback of the IECC (International Energy Conservation Code) really meansWhether builders will actually lower home pricesInsider feedback from real builder partnersWhy deregulation alone won’t solve the affordability crisisWhat kind of regulatory changes would move the needleIf you’re a loan officer, real estate agent, builder, or homebuyer, this is one you need to hear.👍 Like🔔 Subscribe📤 Share with someone in mortgages or real estate⚖ Legal DisclaimerMortgage is produced by Network Funding LP, Equal Housing Lender, NMLS 2297. The content of this program is intended for general informational purposes only and should not be construed as mortgage or home buying advice. Any discussion of rates or products is not a commitment to lend. All applicants must qualify. Visit http://nflp.com/licenses  for state licensing and legal information.See more at TodayInMortgages.comWant to get expert coaching everyday and have the power of the best Network in Mortgages behind your production business? Learn more here. Learn more about Network Funding on our parent site. Today in mortgages is produced by Network Funding, LP, which is an equal housing lender, NMLS# 2297. Corporate office located at 10370 Richmond Ave. Suite 900, Houston, TX 77042. The content of this program is meant to be a commentary on mortgage and real estate news and any discussion of rates and or products should not be taken as individual mortgage or home buying advice or pricing estimates, and any commentary on this show is should not be considered a promise to make a loan. All applicants for a loan must qualify and you should consult a professional regarding your individual loan scenarios for your financial situation. Visit our website at nflp.com/licenses for all state licensing and other legal information.

People have been “locked in” to ultra-low mortgage rates for years — but that’s finally starting to change.In this episode of Today in Mortgages, Michael and Rich break down the lock-in effect, why it’s easing, and what falling rates mean for home buyers, sellers, and loan officers right now. With rates inching lower and inventory improving, movement is returning to the market — and opportunity is following.In this episode, we cover:What the mortgage lock-in effect really isWhy lower rates are finally pushing people to moveHow life events are overriding rate hesitationWhat current rate trends mean for buyers and sellersHow loan officers should re-engage their database right nowLegal DisclosureToday in Mortgages is produced by Network Funding, LP, which is an equal housing lender, NMLS# 2297. The content of this program is meant to be a commentary on mortgage and real estate news and any discussion of rates and/or products should not be taken as individual mortgage or home buying advice or pricing estimates. Any commentary on this show should not be considered a promise to make a loan. All applicants for a loan must qualify, and you should consult a professional regarding your individual loan scenarios for your financial situation. Visit https://nflp.com/licenses for all state licensing and other legal information.#TodayInMortgages #MortgageRates #LoanOfficers #RealEstateMarketSee more at TodayInMortgages.comWant to get expert coaching everyday and have the power of the best Network in Mortgages behind your production business? Learn more here. Learn more about Network Funding on our parent site. Today in mortgages is produced by Network Funding, LP, which is an equal housing lender, NMLS# 2297. Corporate office located at 10370 Richmond Ave. Suite 900, Houston, TX 77042. The content of this program is meant to be a commentary on mortgage and real estate news and any discussion of rates and or products should not be taken as individual mortgage or home buying advice or pricing estimates, and any commentary on this show is should not be considered a promise to make a loan. All applicants for a loan must qualify and you should consult a professional regarding your individual loan scenarios for your financial situation. Visit our website at nflp.com/licenses for all state licensing and other legal information.

Are we finally seeing a true buyer’s market in real estate?In this episode of Today in Mortgages, Michael David and Rich break down a new Realtor.com® | Homes for Sale, Apartments & Houses for Rent  article revealing that 83% of sellers still expect full asking price or more — even as more sellers are preparing to make concessions.So what does that mean for buyers, sellers, and loan officers right now?🎯 In this episode, we cover:Whether the market has officially shifted from sellers to buyersWhy pricing correctly matters more than everHow seller concessions are actually getting deals doneSmart ways buyers can use concessions (rate buydowns, closing costs, and more)How loan officers can differentiate themselves by educating buyersWhy a fast, fully underwritten 10‑day close can win dealsWhat sellers should do heading into spring and summer buying seasonRich also explains how Network Funding empowers loan officers with the tools, products, and flexibility to build their personal brand—instead of hiding behind a corporate logo.If you’re a buyer, seller, real estate agent, or mortgage professional trying to navigate today’s market, this episode is a must‑listen.👉 Learn more about joining Network Funding:https://you.nflp.com👍 Like, subscribe, and share if this helped you make sense of today’s market.📌 DisclaimerNetwork Funding, LP is an Equal Housing Lender, NMLS 2297.This content is for commentary and educational purposes only and should not be considered mortgage advice, a rate quote, or a commitment to lend. All borrowers must qualify. Consult a licensed mortgage professional for your specific financial situation.Licensing info: Licenses - Network FundingLegal Disclosure:Today in Mortgages is produced by Network Funding, LP, which is an equal housing lender, NMLS# 2297. The content of this program is meant to be a commentary on mortgage and real estate news and any discussion of rates and/or products should not be taken as individual mortgage or home buying advice or pricing estimates. Any commentary on this show should not be considered a promise to make a loan. All applicants for a loan must qualify, and you should consult a professional regarding your individual loan scenarios for your financial situation. Visit our website at Licenses - Network Funding  for all state licensing and other legal information.#mortgagenews #housingmarket #loanofficer #realestateSee more at TodayInMortgages.comWant to get expert coaching everyday and have the power of the best Network in Mortgages behind your production business? Learn more here. Learn more about Network Funding on our parent site. Today in mortgages is produced by Network Funding, LP, which is an equal housing lender, NMLS# 2297. Corporate office located at 10370 Richmond Ave. Suite 900, Houston, TX 77042. The content of this program is meant to be a commentary on mortgage and real estate news and any discussion of rates and or products should not be taken as individual mortgage or home buying advice or pricing estimates, and any commentary on this show is should not be considered a promise to make a loan. All applicants for a loan must qualify and you should consult a professional regarding your individual loan scenarios for your financial situation. Visit our website at nflp.com/licenses for all state licensing and other legal information.

A ceasefire in Iran jolts the markets—but what does it really mean for mortgage rates, buyers, and refinances?In this episode of Today in Mortgages, Michael and Rich break down how global conflict and sudden market certainty impact interest rates, why mortgage applications stalled, and what borrowers and loan officers should actually be doing right now.In this episode, we cover:• Why uncertainty is the enemy of low mortgage rates• How the Iran ceasefire impacted stocks, bonds, and rates• Why mortgage rates don’t move as fast as the stock market• What buyers under contract should be doing right now• Why locking matters more than hoping• How loan officers can protect clients in volatile marketsLOAN OFFICERS – Looking to GROW your business?Find out how we are making our best producers even better and how you can DO MORE YOU inside the best Network in mortgages by visiting:👉 https://you.nflp.comLegal Disclosure:Today in Mortgages is produced by Network Funding, LP, which is an equal housing lender, NMLS# 2297.The content of this program is meant to be a commentary on mortgage and real estate news and any discussion of rates and/or products should not be taken as individual mortgage or home buying advice or pricing estimates. Any commentary on this show should not be considered a promise to make a loan. All applicants for a loan must qualify, and you should consult a professional regarding your individual loan scenarios for your financial situation.Visit our website at https://nflp.com/licenses for all state licensing and other legal information.#TodayInMortgages #MortgageRates #InterestRates #LoanOfficers #RealEstateMarketSee more at TodayInMortgages.comWant to get expert coaching everyday and have the power of the best Network in Mortgages behind your production business? Learn more here. Learn more about Network Funding on our parent site. Today in mortgages is produced by Network Funding, LP, which is an equal housing lender, NMLS# 2297. Corporate office located at 10370 Richmond Ave. Suite 900, Houston, TX 77042. The content of this program is meant to be a commentary on mortgage and real estate news and any discussion of rates and or products should not be taken as individual mortgage or home buying advice or pricing estimates, and any commentary on this show is should not be considered a promise to make a loan. All applicants for a loan must qualify and you should consult a professional regarding your individual loan scenarios for your financial situation. Visit our website at nflp.com/licenses for all state licensing and other legal information.

Will conflict in the Middle East push inflation higher and keep mortgage rates elevated in the U.S.?In this episode of Today in Mortgages, Michael and Rich break down how geopolitical uncertainty — specifically tensions involving Iran — is impacting oil prices, inflation expectations, the 10-year Treasury, and what that means for mortgage rates and housing affordability.In this episode, we cover:How oil price volatility feeds inflation fearsWhy global conflict creates uncertainty for interest ratesWhat central banks are watching right nowThe impact of rising Treasury yields on mortgage pricingWhat mortgage professionals can control in uncertain marketsIf you’re a loan officer, real estate agent, or housing professional, this episode will help you separate the noise from what actually matters.Legal Disclosure:Today in Mortgages is produced by Network Funding, LP, which is an equal housing lender, NMLS# 2297. The content of this program is meant to be a commentary on mortgage and real estate news and any discussion of rates and/or products should not be taken as individual mortgage or home buying advice or pricing estimates. Any commentary on this show should not be considered a promise to make a loan. All applicants for a loan must qualify, and you should consult a professional regarding your individual loan scenarios for your financial situation. Visit Licenses - Network Funding  for all state licensing and other legal information.#mortgagerates #realestatenews #loanofficers #housingmarket #todayinmortgagesSee more at TodayInMortgages.comWant to get expert coaching everyday and have the power of the best Network in Mortgages behind your production business? Learn more here. Learn more about Network Funding on our parent site. Today in mortgages is produced by Network Funding, LP, which is an equal housing lender, NMLS# 2297. Corporate office located at 10370 Richmond Ave. Suite 900, Houston, TX 77042. The content of this program is meant to be a commentary on mortgage and real estate news and any discussion of rates and or products should not be taken as individual mortgage or home buying advice or pricing estimates, and any commentary on this show is should not be considered a promise to make a loan. All applicants for a loan must qualify and you should consult a professional regarding your individual loan scenarios for your financial situation. Visit our website at nflp.com/licenses for all state licensing and other legal information.

Nearly 1 in 7 home sales fell apart last month — here's why.In this episode, Michael and Rich break down fresh data from Redfin showing a record-high 14% of home purchase agreements falling through in February. They dig into what's driving buyer jitters, how volatile rates are shaking up contracts, why concessions are exploding, and what loan pros absolutely must do right now to keep clients confident.🔥 What we cover:Why February saw a spike in canceled home sale contractsHow rate volatility is freaking out buyersWhether the trend started earlier or is brand newWhat “lagging indicators” mean for March & April closingsJob market fears + AI headlines = more nervous first‑time buyersWhat loan pros should do to stabilize client confidenceWhy staying in constant contact is mission‑criticalOpportunities hiding inside today's chaosLEGAL DISCLOSURE:Today in Mortgages is produced by Network Funding, LP, Equal Housing Lender, NMLS# 2297. This content is commentary on mortgage and real estate news and should not be taken as individual mortgage advice or pricing. All applicants must qualify. Consult a professional regarding your personal loan scenario.Licensing: Licenses - Network Funding#TodayInMortgages #MortgageNews #HousingMarket #LoanOfficers #RealEstateInsightsSee more at TodayInMortgages.comWant to get expert coaching everyday and have the power of the best Network in Mortgages behind your production business? Learn more here. Learn more about Network Funding on our parent site. Today in mortgages is produced by Network Funding, LP, which is an equal housing lender, NMLS# 2297. Corporate office located at 10370 Richmond Ave. Suite 900, Houston, TX 77042. The content of this program is meant to be a commentary on mortgage and real estate news and any discussion of rates and or products should not be taken as individual mortgage or home buying advice or pricing estimates, and any commentary on this show is should not be considered a promise to make a loan. All applicants for a loan must qualify and you should consult a professional regarding your individual loan scenarios for your financial situation. Visit our website at nflp.com/licenses for all state licensing and other legal information.

Is Build-to-Rent still hot… or cooling off?In this episode of Today in Mortgages, Michael and Rich break down the future of build-to-rent communities — who they serve, why they surged, and whether new political pressure could slow them down. From affordability challenges to institutional investor debates, we’re unpacking what this trend means for homebuyers, renters, and mortgage pros.🔍 What we cover:What “build-to-rent” really meansWhy these communities exploded in places like Houston, Phoenix, Dallas & the SunbeltHow affordability gaps are shaping demandThe political fight over institutional homeownershipWhether forcing sell-offs could hurt housing supplyWhat this all means for buyers, renters & the mortgage marketNetwork Funding’s take on putting more people in homesLegal Disclosure:Today in Mortgages is produced by Network Funding, LP, an equal housing lender, NMLS# 2297. The content of this program is commentary on mortgage and real estate news and should not be taken as individual mortgage or homebuying advice or pricing estimates. Any commentary on this show should not be considered a promise to make a loan. All applicants must qualify. Consult a professional regarding your individual loan scenario.Licensing information: https://nflp.com/licenses#todayinmortgages #buildtorent #mortgagenews #realestateindustrySee more at TodayInMortgages.comWant to get expert coaching everyday and have the power of the best Network in Mortgages behind your production business? Learn more here. Learn more about Network Funding on our parent site. Today in mortgages is produced by Network Funding, LP, which is an equal housing lender, NMLS# 2297. Corporate office located at 10370 Richmond Ave. Suite 900, Houston, TX 77042. The content of this program is meant to be a commentary on mortgage and real estate news and any discussion of rates and or products should not be taken as individual mortgage or home buying advice or pricing estimates, and any commentary on this show is should not be considered a promise to make a loan. All applicants for a loan must qualify and you should consult a professional regarding your individual loan scenarios for your financial situation. Visit our website at nflp.com/licenses for all state licensing and other legal information.

Pending home sales tick up — but will March’s economic and global volatility kill the momentum?In today’s episode of Today in Mortgages, Michael and Rich break down February’s surprisingly positive pending home sales numbers, why March could reverse the trend, and what loan officers should be paying close attention to as buying season kicks off.We cover:February’s 1.8% national increase in pending home sales and where the bright spots areHow global conflict and hot inflation data (PPI) are driving rates back upWhy refinance applications surged — and then dropped off a cliffWhat’s happening with purchase demand heading into springHow rate volatility is shaping the “new normal”Why pent‑up buyer demand still gives long‑term hopeLegal Disclosure:Today in Mortgages is produced by Network Funding, LP, an Equal Housing Lender, NMLS# 2297. The content of this program is commentary on mortgage and real estate news. Any discussion of rates or products is not individual mortgage advice or a loan offer. All applicants must qualify. Consult a professional for personalized guidance.State licensing: https://nflp.com/licenses#MortgageNews #RealEstateMarket #HomeBuyingSeason #InterestRates #LoanOfficersSee more at TodayInMortgages.comWant to get expert coaching everyday and have the power of the best Network in Mortgages behind your production business? Learn more here. Learn more about Network Funding on our parent site. Today in mortgages is produced by Network Funding, LP, which is an equal housing lender, NMLS# 2297. Corporate office located at 10370 Richmond Ave. Suite 900, Houston, TX 77042. The content of this program is meant to be a commentary on mortgage and real estate news and any discussion of rates and or products should not be taken as individual mortgage or home buying advice or pricing estimates, and any commentary on this show is should not be considered a promise to make a loan. All applicants for a loan must qualify and you should consult a professional regarding your individual loan scenarios for your financial situation. Visit our website at nflp.com/licenses for all state licensing and other legal information.

Today on Today in Mortgages, we break down the White House’s newly announced executive orders aimed at boosting homebuilding and reducing construction costs. Rich Jefferson joins Michael to unpack what’s real, what’s political, and what could actually move the needle for affordability in 2026 and beyond.In this episode:What the new executive orders really direct agencies to doImpact on builders: permits, inspections, soft costs & environmental reviewsWhy timelines (60‑day clocks) could matter more than policiesWhether affordability issues—insurance, taxes, rates—get any reliefThe lending-focused order: speeding up TRID, disclosures, and loan processingHow faster closings help everybodyWhy Network Funding’s 10‑Day Close gives LOs a competitive edgeElection‑year pressures & the likelihood of real policy action––––––––––––––––––––––––––LEGALToday in Mortgages is produced by Network Funding, LP, Equal Housing Lender, NMLS #2297. This show is commentary on mortgage and real estate news. Nothing here is mortgage advice or a loan offer. All applicants must qualify; consult a professional for your personal situation. Visit Licenses - Network Funding  for full licensing info.#MortgageNews #RealEstate #Homebuilding #LoanOfficers #TodayInMortgagesSee more at TodayInMortgages.comWant to get expert coaching everyday and have the power of the best Network in Mortgages behind your production business? Learn more here. Learn more about Network Funding on our parent site. Today in mortgages is produced by Network Funding, LP, which is an equal housing lender, NMLS# 2297. Corporate office located at 10370 Richmond Ave. Suite 900, Houston, TX 77042. The content of this program is meant to be a commentary on mortgage and real estate news and any discussion of rates and or products should not be taken as individual mortgage or home buying advice or pricing estimates, and any commentary on this show is should not be considered a promise to make a loan. All applicants for a loan must qualify and you should consult a professional regarding your individual loan scenarios for your financial situation. Visit our website at nflp.com/licenses for all state licensing and other legal information.

Buyers are outpacing listings — again. In this episode, we break down why demand is suddenly surging, how lower interest rates are pushing more buyers back into the market, and why inventory continues to be the biggest hurdle in 2026. Rich digs into new HousingWire data, the impact of global conflict on rates, and what loan officers should be telling buyers right now.In this episode:Why buyers are absorbing inventory faster than new listings hit the marketHow interest rate dips (even brief ones!) bring demand flooding backWhy lower rates don’t fix affordability — and can make prices riseWhat’s happening with new‑build inventoryHow global conflict and oil inflation are affecting mortgage ratesWhat loan officers MUST do right now to guide clients through uncertaintyLegal Disclosure:Today in Mortgages is produced by Network Funding, LP, an equal housing lender, NMLS# 2297. This program is commentary on mortgage and real estate news; any rates and/or products discussed are not individual mortgage advice or pricing estimates. Nothing here is a promise to make a loan. All applicants must qualify. Consult a professional for your financial situation.More info: Licenses - Network Funding#MortgageNews #RealEstateMarket #LoanOfficers #HousingMarket2026 #TodayInMortgagesSee more at TodayInMortgages.comWant to get expert coaching everyday and have the power of the best Network in Mortgages behind your production business? Learn more here. Learn more about Network Funding on our parent site. Today in mortgages is produced by Network Funding, LP, which is an equal housing lender, NMLS# 2297. Corporate office located at 10370 Richmond Ave. Suite 900, Houston, TX 77042. The content of this program is meant to be a commentary on mortgage and real estate news and any discussion of rates and or products should not be taken as individual mortgage or home buying advice or pricing estimates, and any commentary on this show is should not be considered a promise to make a loan. All applicants for a loan must qualify and you should consult a professional regarding your individual loan scenarios for your financial situation. Visit our website at nflp.com/licenses for all state licensing and other legal information.

Will conflict in the Middle East spill over into U.S. housing and interest rates?In today’s episode, Michael and Rich break down how the Iran conflict, oil price spikes, inflation pressure, and central bank uncertainty are creating fresh volatility in the mortgage market.They cover:Why oil at $120 → volatility → inflation → rate pressureHow geopolitical instability unsettles investors and Treasury marketsWhy mortgage rates jumped after hitting 5.98% just days agoWhat Fed rate cuts might look like nowHow job report weakness adds another twistWhat mortgage pros can still control in all this noiseWhy staying prepared and educating clients is more important than everPlus—why Network Funding is built for entrepreneurial loan officers who want to grow their brandLEGALToday in Mortgages is produced by Network Funding, LP, Equal Housing Lender, NMLS# 2297. This program is commentary on mortgage and real estate news and should not be taken as individual mortgage advice or a loan commitment. All applicants must qualify. See Licenses - Network Funding  for licensing and legal info.#mortgagenews #interestrates #realestateupdate #loanofficers #todayinmortgagesSee more at TodayInMortgages.comWant to get expert coaching everyday and have the power of the best Network in Mortgages behind your production business? Learn more here. Learn more about Network Funding on our parent site. Today in mortgages is produced by Network Funding, LP, which is an equal housing lender, NMLS# 2297. Corporate office located at 10370 Richmond Ave. Suite 900, Houston, TX 77042. The content of this program is meant to be a commentary on mortgage and real estate news and any discussion of rates and or products should not be taken as individual mortgage or home buying advice or pricing estimates, and any commentary on this show is should not be considered a promise to make a loan. All applicants for a loan must qualify and you should consult a professional regarding your individual loan scenarios for your financial situation. Visit our website at nflp.com/licenses for all state licensing and other legal information.

Trigger leads are finally being limited — and the Homebuyers Privacy Protection Act goes into effect today.In this episode, Rich breaks down what the new law actually does, which trigger leads are banned, and how this impacts lenders, servicers, and consumers. Plus, we recap major affordability initiatives coming from the MBA, Fannie Mae, and Freddie Mac — including LLPA changes, FHA MIP adjustments, multiple ADUs, manufactured housing, and easing builder restrictions.We cover:What the new Homebuyers Privacy Protection Act changesWhich trigger leads stay and which are goneHow lenders, servicers & banks will handle consumer data going forwardAdvocacy efforts from the MBAUpcoming affordability pushes from the GSEsWhat loan officers should expect in a midterm election yearLegal Disclosure:Today in Mortgages is produced by Network Funding, LP, an equal housing lender, NMLS #2297. This program is commentary on mortgage & real estate news and is not individual mortgage or financial advice. Nothing here is a promise to make a loan. All applicants must qualify. Visit Licenses - Network Funding  for all state licensing and legal info.#TodayInMortgages #MortgageNews #TriggerLeads #MortgageIndustry #LoanOfficersSee more at TodayInMortgages.comWant to get expert coaching everyday and have the power of the best Network in Mortgages behind your production business? Learn more here. Learn more about Network Funding on our parent site. Today in mortgages is produced by Network Funding, LP, which is an equal housing lender, NMLS# 2297. Corporate office located at 10370 Richmond Ave. Suite 900, Houston, TX 77042. The content of this program is meant to be a commentary on mortgage and real estate news and any discussion of rates and or products should not be taken as individual mortgage or home buying advice or pricing estimates, and any commentary on this show is should not be considered a promise to make a loan. All applicants for a loan must qualify and you should consult a professional regarding your individual loan scenarios for your financial situation. Visit our website at nflp.com/licenses for all state licensing and other legal information.

What can we learn about housing from the State of the Union?Today, we're breaking down the key takeaways for the mortgage and real estate world — from affordability measures, to first‑time homebuyer support, to what falling interest rates might actually mean for demand and home prices. Rich unpacks the administration’s proposals, explains how the economy’s “K‑shape” is shaping consumer confidence, and shares what loan officers and buyers should really be paying attention to.In this episode:What the State of the Union said about housingUpdates on the Road to Housing Act and proposed grantsHow lower interest rates are impacting affordabilityWhy inventory might increase even as demand risesThe K‑shaped economy and what buyers are actually feelingWhy state‑level DPA programs matter more right nowHow loan officers can position themselves in this momentLOAN OFFICERS – Looking to GROW your business?Find out how we are making our best producers even better and how you can DO MORE YOU inside the best Network in mortgages:👉 https://you.nflp.comLegal:Today in Mortgages is produced by Network Funding, LP, Equal Housing Lender, NMLS# 2297. Commentary is for informational purposes only and not mortgage advice. All applicants must qualify. Visit https://nflp.com/licenses for state licensing and legal info.#MortgageNews #HousingMarket #LoanOfficers #RealEstateTrends #TodayInMortgagesSee more at TodayInMortgages.comWant to get expert coaching everyday and have the power of the best Network in Mortgages behind your production business? Learn more here. Learn more about Network Funding on our parent site. Today in mortgages is produced by Network Funding, LP, which is an equal housing lender, NMLS# 2297. Corporate office located at 10370 Richmond Ave. Suite 900, Houston, TX 77042. The content of this program is meant to be a commentary on mortgage and real estate news and any discussion of rates and or products should not be taken as individual mortgage or home buying advice or pricing estimates, and any commentary on this show is should not be considered a promise to make a loan. All applicants for a loan must qualify and you should consult a professional regarding your individual loan scenarios for your financial situation. Visit our website at nflp.com/licenses for all state licensing and other legal information.

Houston… we’ve got a five handle!Today on Today in Mortgages, Michael and Rich break down what it means now that rates have dipped to 5.99%, whether it will stick, how market volatility is playing into rate movement, and what buyers, refinancers, and mortgage pros should actually do right now.Rich explains how economic jitters, tariff news, and AI-market reactions are pushing long-term mortgage rates downward — and why bad economic news often equals good mortgage rates. We also dig into:⭐ Key Discussion PointsWhat a 5.99% mortgage rate means — and whether it’s likely to stayWhy the 10-year Treasury dropping to 4.02% mattersRefinance activity exploding (+130% YoY!)Who should be refinancing right nowWhat’s happening on the purchase side: inventory, seller concessions, pre-approvalsAction items for mortgage pros to capture database opportunitiesHow to prepare your pipeline for a potential growth seasonWhy now is a strong recruiting environment for entrepreneurial LOs🚀 LOAN OFFICERS – Looking to GROW your business?See how we’re helping producers DO MORE YOU inside the best Network in mortgages:👉 https://you.nflp.com📊 FREE INDUSTRY INSIGHTS REPORTTake our Loan Officer Survey and get your FREE report to benchmark yourself against peers and uncover industry trends:👉 https://todayinmortgages.com/survey/📄 Legal DisclosureToday in Mortgages is produced by Network Funding, LP, an equal housing lender, NMLS# 2297. The content of this program is commentary on mortgage and real estate news and should not be taken as individual mortgage or home buying advice or pricing estimates. Any commentary is not a promise to make a loan. All applicants must qualify, and you should consult a professional regarding your individual scenario. Visit https://nflp.com/licenses for all state licensing and legal info.See more at TodayInMortgages.comWant to get expert coaching everyday and have the power of the best Network in Mortgages behind your production business? Learn more here. Learn more about Network Funding on our parent site. Today in mortgages is produced by Network Funding, LP, which is an equal housing lender, NMLS# 2297. Corporate office located at 10370 Richmond Ave. Suite 900, Houston, TX 77042. The content of this program is meant to be a commentary on mortgage and real estate news and any discussion of rates and or products should not be taken as individual mortgage or home buying advice or pricing estimates, and any commentary on this show is should not be considered a promise to make a loan. All applicants for a loan must qualify and you should consult a professional regarding your individual loan scenarios for your financial situation. Visit our website at nflp.com/licenses for all state licensing and other legal information.

Are your buyers accidentally sabotaging their own homebuying journey?In this episode of Today in Mortgages, we break down the three biggest mistakes Grant Cardone says are derailing homebuyers — and how loan officers can coach clients toward smarter decisions.Rich and Michael dig into:❗ Myth-busting: “I’m priced out of the market”💡 Creative financing strategies that beat waiting for rates to drop📍 Why location almost always wins over the “perfect” house🧠 How loan officers can shift their own mindset to win in a tough 2026 market🚀 The mindset and support systems that helped Network Funding LOs grow even in a down yearIf you want actionable tips to help both buyers and loan officers win more in 2026, this is your episode.See more at TodayInMortgages.comWant to get expert coaching everyday and have the power of the best Network in Mortgages behind your production business? Learn more here. Learn more about Network Funding on our parent site. Today in mortgages is produced by Network Funding, LP, which is an equal housing lender, NMLS# 2297. Corporate office located at 10370 Richmond Ave. Suite 900, Houston, TX 77042. The content of this program is meant to be a commentary on mortgage and real estate news and any discussion of rates and or products should not be taken as individual mortgage or home buying advice or pricing estimates, and any commentary on this show is should not be considered a promise to make a loan. All applicants for a loan must qualify and you should consult a professional regarding your individual loan scenarios for your financial situation. Visit our website at nflp.com/licenses for all state licensing and other legal information.

oday on Today in Mortgages, Michael and Rich break down the surprising nomination of Kevin Warsh as the next potential Fed Chair — and why the industry did not see this coming. They unpack his hawkish history, what this means for mortgage rates, how politics may influence the confirmation process, and why independent monetary policy still matters.Plus, Rich and Michael recap an incredible weekend at Network Funding’s 2026 President’s Club in Napa Valley, including pickleball semifinals, vendor showdowns, and the power of celebrating wins as a company.▶️ In this episode:Kevin Warsh’s nomination: why it surprised economistsWhat his hawkish views might mean for ratesThe political drama around Powell’s investigationWhy the Fed’s independence is essentialHow the 10-year Treasury still drives mortgage ratesPresident’s Club highlights & celebrating productionNetwork Funding’s “support your brand, don’t hold your hand” philosophy──────────LOAN OFFICERS – Looking to GROW your business?Find out how we’re helping our best producers get even better — and how you can DO MORE YOU inside the best network in mortgages:👉 Join the Network──────────FREE INDUSTRY INSIGHTS REPORTTake our Loan Officer Survey and get your FREE industry report! Benchmark against peers, understand market trends, and plan your next move:👉 SurveySee more at TodayInMortgages.comWant to get expert coaching everyday and have the power of the best Network in Mortgages behind your production business? Learn more here. Learn more about Network Funding on our parent site. Today in mortgages is produced by Network Funding, LP, which is an equal housing lender, NMLS# 2297. Corporate office located at 10370 Richmond Ave. Suite 900, Houston, TX 77042. The content of this program is meant to be a commentary on mortgage and real estate news and any discussion of rates and or products should not be taken as individual mortgage or home buying advice or pricing estimates, and any commentary on this show is should not be considered a promise to make a loan. All applicants for a loan must qualify and you should consult a professional regarding your individual loan scenarios for your financial situation. Visit our website at nflp.com/licenses for all state licensing and other legal information.

Credit report fees have skyrocketed—from around $0.50 to a proposed $10 per bureau in recent years! Why is this happening, and what does it mean for lenders and borrowers? In this episode of Today in Mortgages, we break down:How FICO royalties went from pennies to dollarsWhy credit report costs have surged nearly 500% in five yearsThe role of trigger leads and lost revenue for bureausVantageScore vs. FICO: Will competition help?What lenders are doing to manage these rising costsLOAN OFFICERS – Looking to GROW your business?Find out how we are making our best producers even better and how you can DO MORE YOU inside the best Network in mortgages by visiting https://you.nflp.comFREE INDUSTRY INSIGHTS REPORT:Take our Loan Officer Survey to get your FREE industry report! Benchmark yourself against peers, understand trends, and make better career decisions at SurveyLegal Disclosure:Today in Mortgages is produced by Network Funding, LP, an equal housing lender, NMLS #2297. The content of this program is commentary on mortgage and real estate news and should not be taken as individual mortgage advice. All applicants must qualify. Visit Licenses - Network Funding  for licensing info.Hashtags:#MortgageNews #CreditReportFees #LoanOfficerLife #HomeBuyingTips #TodayInMortgages_Today in Mortgages is produced by Network Funding, LP, which is an equal housing lender, NMLS# 2297.*The content of this program is meant to be a commentary on mortgage and real estate news and any discussion of rates and/or products should not be taken as individual mortgage or home buying advice or pricing estimates. Any commentary on this show should not be considered a promise to make a loan. All applicants for a loan must qualify, and you should consult a professional regarding your individual loan scenarios for your financial situation.Visit our website at https://nflp.com/licenses for all state licensing and other legal information.See more at TodayInMortgages.comWant to get expert coaching everyday and have the power of the best Network in Mortgages behind your production business? Learn more here. Learn more about Network Funding on our parent site. Today in mortgages is produced by Network Funding, LP, which is an equal housing lender, NMLS# 2297. Corporate office located at 10370 Richmond Ave. Suite 900, Houston, TX 77042. The content of this program is meant to be a commentary on mortgage and real estate news and any discussion of rates and or products should not be taken as individual mortgage or home buying advice or pricing estimates, and any commentary on this show is should not be considered a promise to make a loan. All applicants for a loan must qualify and you should consult a professional regarding your individual loan scenarios for your financial situation. Visit our website at nflp.com/licenses for all state licensing and other legal information.

Another CPI report is in, and it’s hotter than expected in key areas like housing. Plus, Trump’s proposal to ban institutional investors from buying single-family homes—will it make a real difference for first-time buyers? We break it all down in this episode of Today in Mortgages.What you’ll learn in this episode:- Why the latest CPI report matters for mortgage professionals- How housing inflation impacts affordability- Trump’s proposed ban on institutional buyers—what’s real and what’s hype- Practical ideas to help first-time homebuyers compete- How Network Funding is helping loan officers win in today’s marketPlus, we’ve got a special invite for loan officers: take our industry survey at https://todayinmortgages.com and get a free benchmark report to see how you stack up in comp, tech, and support.Listen in as we discuss this and more!--Looking to GROW your business?Find out how we are making our best producers even better and how you can DO MORE YOU inside the best Network in mortgages by visiting https://you.nflp.com--Take our Loan Officer Survey to get your FREE industry report! Benchmark yourself, understand trends, and make smarter career decisions at https://todayinmortgages.com/survey/#MortgageNews #RefinanceBoom #LoanOfficerLife #TodayInMortgages #NetworkFunding______Today in Mortgages is produced by Network Funding, LP, which is an equal housing lender, NMLS# 2297.*The content of this program is meant to be a commentary on mortgage and real estate news and any discussion of rates and/or products should not be taken as individual mortgage or home buying advice or pricing estimates. Any commentary on this show should not be considered a promise to make a loan. All applicants for a loan must qualify, and you should consult a professional regarding your individual loan scenarios for your financial situation.Visit our website at https://nflp.com/licenses for all state licensing and other legal information.See more at TodayInMortgages.comWant to get expert coaching everyday and have the power of the best Network in Mortgages behind your production business? Learn more here. Learn more about Network Funding on our parent site. Today in mortgages is produced by Network Funding, LP, which is an equal housing lender, NMLS# 2297. Corporate office located at 10370 Richmond Ave. Suite 900, Houston, TX 77042. The content of this program is meant to be a commentary on mortgage and real estate news and any discussion of rates and or products should not be taken as individual mortgage or home buying advice or pricing estimates, and any commentary on this show is should not be considered a promise to make a loan. All applicants for a loan must qualify and you should consult a professional regarding your individual loan scenarios for your financial situation. Visit our website at nflp.com/licenses for all state licensing and other legal information.

Welcome back, Dreammakers! Our first episode of 2026 dives into some jaw-dropping headlines: criminal indictments at the Fed, rumors of fraud, and what all this means for mortgage rates and the housing market. Plus, we break down Trump’s $200B mortgage bond buy request and why the Fed’s independence matters more than ever.In this episode:DOJ investigations into Fed Chair PowellWhy Fed independence is critical for market stabilityTrump’s $200B mortgage bond buy—what it means for ratesThe “lock-in effect” fading: homeowners making moves in 2026Optimism for the mortgage industry this yearPlus, we’ve got a special invite for loan officers: take our industry survey at https://todayinmortgages.com and get a free benchmark report to see how you stack up in comp, tech, and support.Listen in as we discuss this and more!--Looking to GROW your business?Find out how we are making our best producers even better and how you can DO MORE YOU inside the best Network in mortgages by visiting https://you.nflp.com--Take our Loan Officer Survey to get your FREE industry report! Benchmark yourself, understand trends, and make smarter career decisions at https://todayinmortgages.com/survey/#MortgageNews #RefinanceBoom #LoanOfficerLife #TodayInMortgages #NetworkFunding______Today in Mortgages is produced by Network Funding, LP, which is an equal housing lender, NMLS# 2297.*The content of this program is meant to be a commentary on mortgage and real estate news and any discussion of rates and/or products should not be taken as individual mortgage or home buying advice or pricing estimates. Any commentary on this show should not be considered a promise to make a loan. All applicants for a loan must qualify, and you should consult a professional regarding your individual loan scenarios for your financial situation.Visit our website at https://nflp.com/licenses for all state licensing and other legal information.See more at TodayInMortgages.comWant to get expert coaching everyday and have the power of the best Network in Mortgages behind your production business? Learn more here. Learn more about Network Funding on our parent site. Today in mortgages is produced by Network Funding, LP, which is an equal housing lender, NMLS# 2297. Corporate office located at 10370 Richmond Ave. Suite 900, Houston, TX 77042. The content of this program is meant to be a commentary on mortgage and real estate news and any discussion of rates and or products should not be taken as individual mortgage or home buying advice or pricing estimates, and any commentary on this show is should not be considered a promise to make a loan. All applicants for a loan must qualify and you should consult a professional regarding your individual loan scenarios for your financial situation. Visit our website at nflp.com/licenses for all state licensing and other legal information.

We’re wrapping up 2025 with one big question: Is now the time to lock your mortgage rate?In this episode, Michael and Rich break down what rate locks really mean, the pros and cons, and why timing matters more than ever. From Fed rate confusion to real-world examples, we’ll help you understand how locking today could save you from surprises tomorrow.Plus, we’ve got a special invite for loan officers: take our industry survey at https://todayinmortgages.com and get a free benchmark report to see how you stack up in comp, tech, and support.Listen in as we discuss this and more!--Looking to GROW your business?Find out how we are making our best producers even better and how you can DO MORE YOU inside the best Network in mortgages by visiting https://you.nflp.com--Take our Loan Officer Survey to get your FREE industry report! Benchmark yourself, understand trends, and make smarter career decisions at https://todayinmortgages.com/survey/#MortgageNews #RefinanceBoom #LoanOfficerLife #TodayInMortgages #NetworkFunding______Today in Mortgages is produced by Network Funding, LP, which is an equal housing lender, NMLS# 2297.*The content of this program is meant to be a commentary on mortgage and real estate news and any discussion of rates and/or products should not be taken as individual mortgage or home buying advice or pricing estimates. Any commentary on this show should not be considered a promise to make a loan. All applicants for a loan must qualify, and you should consult a professional regarding your individual loan scenarios for your financial situation.Visit our website at https://nflp.com/licenses for all state licensing and other legal information.See more at TodayInMortgages.comWant to get expert coaching everyday and have the power of the best Network in Mortgages behind your production business? Learn more here. Learn more about Network Funding on our parent site. Today in mortgages is produced by Network Funding, LP, which is an equal housing lender, NMLS# 2297. Corporate office located at 10370 Richmond Ave. Suite 900, Houston, TX 77042. The content of this program is meant to be a commentary on mortgage and real estate news and any discussion of rates and or products should not be taken as individual mortgage or home buying advice or pricing estimates, and any commentary on this show is should not be considered a promise to make a loan. All applicants for a loan must qualify and you should consult a professional regarding your individual loan scenarios for your financial situation. Visit our website at nflp.com/licenses for all state licensing and other legal information.

Fannie Mae and Freddie Mac are quietly adding billions to their mortgage bond portfolios. What does this mean for the housing market, interest rates, and your business as a loan officer? In this episode, Michael and Rich break down:Why Fannie and Freddie are holding more mortgage bondsThe potential exit from government conservatorshipHow this could impact mortgage rates and housing affordabilityWhat loan officers should watch for in 2026 and beyondYear-end buying tips for motivated sellersPlus, we’ve got a special invite for loan officers: take our industry survey at https://todayinmortgages.com and get a free benchmark report to see how you stack up in comp, tech, and support.Listen in as we discuss this and more!--Looking to GROW your business?Find out how we are making our best producers even better and how you can DO MORE YOU inside the best Network in mortgages by visiting https://you.nflp.com--Take our Loan Officer Survey to get your FREE industry report! Benchmark yourself, understand trends, and make smarter career decisions at https://todayinmortgages.com/survey/#MortgageNews #RefinanceBoom #LoanOfficerLife #TodayInMortgages #NetworkFunding______Today in Mortgages is produced by Network Funding, LP, which is an equal housing lender, NMLS# 2297.*The content of this program is meant to be a commentary on mortgage and real estate news and any discussion of rates and/or products should not be taken as individual mortgage or home buying advice or pricing estimates. Any commentary on this show should not be considered a promise to make a loan. All applicants for a loan must qualify, and you should consult a professional regarding your individual loan scenarios for your financial situation.Visit our website at https://nflp.com/licenses for all state licensing and other legal information.See more at TodayInMortgages.comWant to get expert coaching everyday and have the power of the best Network in Mortgages behind your production business? Learn more here. Learn more about Network Funding on our parent site. Today in mortgages is produced by Network Funding, LP, which is an equal housing lender, NMLS# 2297. Corporate office located at 10370 Richmond Ave. Suite 900, Houston, TX 77042. The content of this program is meant to be a commentary on mortgage and real estate news and any discussion of rates and or products should not be taken as individual mortgage or home buying advice or pricing estimates, and any commentary on this show is should not be considered a promise to make a loan. All applicants for a loan must qualify and you should consult a professional regarding your individual loan scenarios for your financial situation. Visit our website at nflp.com/licenses for all state licensing and other legal information.

What’s in store for housing and mortgage rates in 2026? In this episode of Today in Mortgages, we break down:The Fed’s latest rate cut and what it means for mortgage ratesWhy home prices are expected to rise only 1.4% next yearPredictions for interest rates staying in the 6% range through 2026How affordability might improve (slowly!) and what that means for buyersWhy mindset matters more than ever for loan officers heading into the new yearKey Takeaways:Fed signals only one more cut in 2026Home price appreciation expected to be modest but sustainableInterest rates likely to hover in the mid-6% rangePositive mindset = more wins in a tough marketPlus, we’ve got a special invite for loan officers: take our industry survey at https://todayinmortgages.com and get a free benchmark report to see how you stack up in comp, tech, and support.Listen in as we discuss this and more!--Looking to GROW your business?Find out how we are making our best producers even better and how you can DO MORE YOU inside the best Network in mortgages by visiting https://you.nflp.com--Take our Loan Officer Survey to get your FREE industry report! Benchmark yourself, understand trends, and make smarter career decisions at https://todayinmortgages.com/survey/#MortgageNews #RefinanceBoom #LoanOfficerLife #TodayInMortgages #NetworkFunding______Today in Mortgages is produced by Network Funding, LP, which is an equal housing lender, NMLS# 2297.*The content of this program is meant to be a commentary on mortgage and real estate news and any discussion of rates and/or products should not be taken as individual mortgage or home buying advice or pricing estimates. Any commentary on this show should not be considered a promise to make a loan. All applicants for a loan must qualify, and you should consult a professional regarding your individual loan scenarios for your financial situation.Visit our website at https://nflp.com/licenses for all state licensing and other legal information.See more at TodayInMortgages.comWant to get expert coaching everyday and have the power of the best Network in Mortgages behind your production business? Learn more here. Learn more about Network Funding on our parent site. Today in mortgages is produced by Network Funding, LP, which is an equal housing lender, NMLS# 2297. Corporate office located at 10370 Richmond Ave. Suite 900, Houston, TX 77042. The content of this program is meant to be a commentary on mortgage and real estate news and any discussion of rates and or products should not be taken as individual mortgage or home buying advice or pricing estimates, and any commentary on this show is should not be considered a promise to make a loan. All applicants for a loan must qualify and you should consult a professional regarding your individual loan scenarios for your financial situation. Visit our website at nflp.com/licenses for all state licensing and other legal information.

Let’s talk about what’s real, what’s hype, and what you should actually pay attention to in mortgage and real estate news. In this episode:Key Discussion Points:Why the Road to Housing Act is now pushed to 2026How bundling with the defense bill caused delaysWhat the bill aims to fix: affordability, zoning, and new loan productsPressure on Congress and the White House to actPositive signs for the mortgage industry heading into 2026How YOU can plan for a strong year with our Loan Officer SurveyPlus, we’ve got a special invite for loan officers: take our industry survey at https://todayinmortgages.com and get a free benchmark report to see how you stack up in comp, tech, and support.Listen in as we discuss this and more!______Today in Mortgages is produced by Network Funding, LP, which is an equal housing lender, NMLS# 2297.*The content of this program is meant to be a commentary on mortgage and real estate news and any discussion of rates and/or products should not be taken as individual mortgage or home buying advice or pricing estimates. Any commentary on this show should not be considered a promise to make a loan. All applicants for a loan must qualify, and you should consult a professional regarding your individual loan scenarios for your financial situation.Visit our website at https://nflp.com/licenses for all state licensing and other legal information.See more at TodayInMortgages.comWant to get expert coaching everyday and have the power of the best Network in Mortgages behind your production business? Learn more here. Learn more about Network Funding on our parent site. Today in mortgages is produced by Network Funding, LP, which is an equal housing lender, NMLS# 2297. Corporate office located at 10370 Richmond Ave. Suite 900, Houston, TX 77042. The content of this program is meant to be a commentary on mortgage and real estate news and any discussion of rates and or products should not be taken as individual mortgage or home buying advice or pricing estimates, and any commentary on this show is should not be considered a promise to make a loan. All applicants for a loan must qualify and you should consult a professional regarding your individual loan scenarios for your financial situation. Visit our website at nflp.com/licenses for all state licensing and other legal information.

We’re closing out the year and looking ahead to 2026! What’s real, what’s hype, and what should you actually pay attention to in the housing market? In this episode of Today in Mortgages, we break down Redfin’s six big predictions for the coming year, including:- Will mortgage rates finally dip into the low 6% range?- How wage growth could improve home affordability- Why existing home sales are expected to rise 3%- The affordability crisis and bipartisan policy action- Opportunities for loan officers and real estate agents in 2026Plus, we’ve got a special invite for loan officers: take our industry survey at https://todayinmortgages.com and get a free benchmark report to see how you stack up in comp, tech, and support.Listen in as we discuss this and more!--Looking to GROW your business?Find out how we are making our best producers even better and how you can DO MORE YOU inside the best Network in mortgages by visiting https://you.nflp.com--Take our Loan Officer Survey to get your FREE industry report! Benchmark yourself, understand trends, and make smarter career decisions at https://todayinmortgages.com/survey/#MortgageNews #RefinanceBoom #LoanOfficerLife #TodayInMortgages #NetworkFunding______Today in Mortgages is produced by Network Funding, LP, which is an equal housing lender, NMLS# 2297.*The content of this program is meant to be a commentary on mortgage and real estate news and any discussion of rates and/or products should not be taken as individual mortgage or home buying advice or pricing estimates. Any commentary on this show should not be considered a promise to make a loan. All applicants for a loan must qualify, and you should consult a professional regarding your individual loan scenarios for your financial situation.Visit our website at https://nflp.com/licenses for all state licensing and other legal information.See more at TodayInMortgages.comWant to get expert coaching everyday and have the power of the best Network in Mortgages behind your production business? Learn more here. Learn more about Network Funding on our parent site. Today in mortgages is produced by Network Funding, LP, which is an equal housing lender, NMLS# 2297. Corporate office located at 10370 Richmond Ave. Suite 900, Houston, TX 77042. The content of this program is meant to be a commentary on mortgage and real estate news and any discussion of rates and or products should not be taken as individual mortgage or home buying advice or pricing estimates, and any commentary on this show is should not be considered a promise to make a loan. All applicants for a loan must qualify and you should consult a professional regarding your individual loan scenarios for your financial situation. Visit our website at nflp.com/licenses for all state licensing and other legal information.

We’re back after Thanksgiving to talk about one of the biggest stories in the mortgage world: the upcoming change in Fed leadership and what it could mean for rates, affordability, and your business. Here’s what we cover in this episode:Why the Fed Chair matters for mortgage rates (and why it’s not a direct link)Trump’s push for a dovish Fed and lower interest ratesKevin Hassett as the rumored front-runnerHow market confidence impacts long-term mortgage ratesWhat analysts predict for 2026 and why optimism is growingQuick primer on what really drives mortgage rates: Treasury yields, MBS trades, inflation expectations, and Fed credibilityPlus, we’ve got a special invite for loan officers: take our industry survey at https://todayinmortgages.com and get a free benchmark report to see how you stack up in comp, tech, and support.Listen in as we discuss this and more!--Looking to GROW your business?Find out how we are making our best producers even better and how you can DO MORE YOU inside the best Network in mortgages by visiting https://you.nflp.com--Take our Loan Officer Survey to get your FREE industry report! Benchmark yourself, understand trends, and make smarter career decisions at https://todayinmortgages.com/survey/#MortgageNews #RefinanceBoom #LoanOfficerLife #TodayInMortgages #NetworkFunding______Today in Mortgages is produced by Network Funding, LP, which is an equal housing lender, NMLS# 2297.*The content of this program is meant to be a commentary on mortgage and real estate news and any discussion of rates and/or products should not be taken as individual mortgage or home buying advice or pricing estimates. Any commentary on this show should not be considered a promise to make a loan. All applicants for a loan must qualify, and you should consult a professional regarding your individual loan scenarios for your financial situation.Visit our website at https://nflp.com/licenses for all state licensing and other legal information.See more at TodayInMortgages.comWant to get expert coaching everyday and have the power of the best Network in Mortgages behind your production business? Learn more here. Learn more about Network Funding on our parent site. Today in mortgages is produced by Network Funding, LP, which is an equal housing lender, NMLS# 2297. Corporate office located at 10370 Richmond Ave. Suite 900, Houston, TX 77042. The content of this program is meant to be a commentary on mortgage and real estate news and any discussion of rates and or products should not be taken as individual mortgage or home buying advice or pricing estimates, and any commentary on this show is should not be considered a promise to make a loan. All applicants for a loan must qualify and you should consult a professional regarding your individual loan scenarios for your financial situation. Visit our website at nflp.com/licenses for all state licensing and other legal information.

Crystal Ball Time: What’s Coming in 2026 for Mortgages?We’re diving into predictions for the housing market and mortgage industry in 2026. Will home sales finally rebound? What’s hype, and what’s real? Here’s what you’ll learn in this episode:Key Discussion Points:Lawrence Yun’s forecast: 14% increase in existing home salesNew home builds and inventory trendsWhy Fed rate cuts could shape mortgage ratesThe surprising average age of first-time homebuyers (hint: it’s 40!)Generational trends: Who’s moving and who’s staying putHow to prepare for opportunities in 2026Plus, we’ve got a special invite for loan officers: take our industry survey at https://todayinmortgages.com and get a free benchmark report to see how you stack up in comp, tech, and support.Listen in as we discuss this and more!--Looking to GROW your business?Find out how we are making our best producers even better and how you can DO MORE YOU inside the best Network in mortgages by visiting https://you.nflp.com--Take our Loan Officer Survey to get your FREE industry report! Benchmark yourself, understand trends, and make smarter career decisions at https://todayinmortgages.com/survey/#MortgageNews #RefinanceBoom #LoanOfficerLife #TodayInMortgages #NetworkFunding______Today in Mortgages is produced by Network Funding, LP, which is an equal housing lender, NMLS# 2297.*The content of this program is meant to be a commentary on mortgage and real estate news and any discussion of rates and/or products should not be taken as individual mortgage or home buying advice or pricing estimates. Any commentary on this show should not be considered a promise to make a loan. All applicants for a loan must qualify, and you should consult a professional regarding your individual loan scenarios for your financial situation.Visit our website at https://nflp.com/licenses for all state licensing and other legal information.See more at TodayInMortgages.comWant to get expert coaching everyday and have the power of the best Network in Mortgages behind your production business? Learn more here. Learn more about Network Funding on our parent site. Today in mortgages is produced by Network Funding, LP, which is an equal housing lender, NMLS# 2297. Corporate office located at 10370 Richmond Ave. Suite 900, Houston, TX 77042. The content of this program is meant to be a commentary on mortgage and real estate news and any discussion of rates and or products should not be taken as individual mortgage or home buying advice or pricing estimates, and any commentary on this show is should not be considered a promise to make a loan. All applicants for a loan must qualify and you should consult a professional regarding your individual loan scenarios for your financial situation. Visit our website at nflp.com/licenses for all state licensing and other legal information.

Foreclosures are making headlines again—but what’s real and what’s hype? In this episode of Today in Mortgages, we break down the latest MarketWatch report claiming foreclosures are up 20%, and put it all into context.Here’s what you’ll learn:- Why foreclosure numbers are rising (and what’s really driving it)- How today compares to pre-COVID levels- The hidden costs of homeownership you might not be thinking about- Practical tips to fight rising costs: insurance shopping, tax protests, and more- What affordability looks like for the future—and how builders and policy play a rolePlus, we’ve got a special invite for loan officers: take our industry survey at https://todayinmortgages.com and get a free benchmark report to see how you stack up in comp, tech, and support.Listen in as we discuss this and more!--Looking to GROW your business?Find out how we are making our best producers even better and how you can DO MORE YOU inside the best Network in mortgages by visiting https://you.nflp.com--Take our Loan Officer Survey to get your FREE industry report! Benchmark yourself, understand trends, and make smarter career decisions at https://todayinmortgages.com/survey/#MortgageNews #RefinanceBoom #LoanOfficerLife #TodayInMortgages #NetworkFunding______Today in Mortgages is produced by Network Funding, LP, which is an equal housing lender, NMLS# 2297.*The content of this program is meant to be a commentary on mortgage and real estate news and any discussion of rates and/or products should not be taken as individual mortgage or home buying advice or pricing estimates. Any commentary on this show should not be considered a promise to make a loan. All applicants for a loan must qualify, and you should consult a professional regarding your individual loan scenarios for your financial situation.Visit our website at https://nflp.com/licenses for all state licensing and other legal information.See more at TodayInMortgages.comWant to get expert coaching everyday and have the power of the best Network in Mortgages behind your production business? Learn more here. Learn more about Network Funding on our parent site. Today in mortgages is produced by Network Funding, LP, which is an equal housing lender, NMLS# 2297. Corporate office located at 10370 Richmond Ave. Suite 900, Houston, TX 77042. The content of this program is meant to be a commentary on mortgage and real estate news and any discussion of rates and or products should not be taken as individual mortgage or home buying advice or pricing estimates, and any commentary on this show is should not be considered a promise to make a loan. All applicants for a loan must qualify and you should consult a professional regarding your individual loan scenarios for your financial situation. Visit our website at nflp.com/licenses for all state licensing and other legal information.

In this episode of Today in Mortgages, we dive into two innovative loan ideas that could shake up the housing market: assumable and portable mortgages. Hosts break down what these terms mean, how they work, and whether they could be the key to unlocking home sales in a high-rate environment.🔑 Key Topics:What are assumable mortgages and who qualifies?The pros and cons of assuming a loanPortable mortgages: taking your loan with you?Why these ideas are gaining tractionThe real solution to affordability: more housing supplyHow builders and government policy play a roleOptionality for buyers and loan officersPlus, we’ve got a special invite for loan officers: take our industry survey at https://todayinmortgages.com and get a free benchmark report to see how you stack up in comp, tech, and support.Listen in as we discuss this and more!______Today in Mortgages is produced by Network Funding, LP, which is an equal housing lender, NMLS# 2297.*The content of this program is meant to be a commentary on mortgage and real estate news and any discussion of rates and/or products should not be taken as individual mortgage or home buying advice or pricing estimates. Any commentary on this show should not be considered a promise to make a loan. All applicants for a loan must qualify, and you should consult a professional regarding your individual loan scenarios for your financial situation.Visit our website at https://nflp.com/licenses for all state licensing and other legal information.See more at TodayInMortgages.comWant to get expert coaching everyday and have the power of the best Network in Mortgages behind your production business? Learn more here. Learn more about Network Funding on our parent site. Today in mortgages is produced by Network Funding, LP, which is an equal housing lender, NMLS# 2297. Corporate office located at 10370 Richmond Ave. Suite 900, Houston, TX 77042. The content of this program is meant to be a commentary on mortgage and real estate news and any discussion of rates and or products should not be taken as individual mortgage or home buying advice or pricing estimates, and any commentary on this show is should not be considered a promise to make a loan. All applicants for a loan must qualify and you should consult a professional regarding your individual loan scenarios for your financial situation. Visit our website at nflp.com/licenses for all state licensing and other legal information.

Is the government finally working again? And could a 50-year mortgage be the next big thing?We break down the latest headlines and what they mean for loan officers, homebuyers, and the mortgage industry.In this episode:Government shutdown updates and how it affects flood insurance and mortgage operationsDonald Trump's 50-year mortgage proposal: what it is, what it isn’t, and why it’s sparking backlashAffordability challenges and how longer loan terms could help first-time buyersReal talk on refinancing, equity building, and the reality of long-term loansWhy optionality matters—for your mortgage and your career--Take our Loan Officer Survey to get your FREE industry report! Benchmark yourself, understand trends, and make smarter career decisions at https://todayinmortgages.com/survey/#MortgageNews #RefinanceBoom #LoanOfficerLife #TodayInMortgages #NetworkFunding______Today in Mortgages is produced by Network Funding, LP, which is an equal housing lender, NMLS# 2297.*The content of this program is meant to be a commentary on mortgage and real estate news and any discussion of rates and/or products should not be taken as individual mortgage or home buying advice or pricing estimates. Any commentary on this show should not be considered a promise to make a loan. All applicants for a loan must qualify, and you should consult a professional regarding your individual loan scenarios for your financial situation.Visit our website at https://nflp.com/licenses for all state licensing and other legal information.See more at TodayInMortgages.comWant to get expert coaching everyday and have the power of the best Network in Mortgages behind your production business? Learn more here. Learn more about Network Funding on our parent site. Today in mortgages is produced by Network Funding, LP, which is an equal housing lender, NMLS# 2297. Corporate office located at 10370 Richmond Ave. Suite 900, Houston, TX 77042. The content of this program is meant to be a commentary on mortgage and real estate news and any discussion of rates and or products should not be taken as individual mortgage or home buying advice or pricing estimates, and any commentary on this show is should not be considered a promise to make a loan. All applicants for a loan must qualify and you should consult a professional regarding your individual loan scenarios for your financial situation. Visit our website at nflp.com/licenses for all state licensing and other legal information.

Are adjustable rate mortgages (ARMs) making a risky comeback—or is the media just stirring the pot? In this episode, Rich Jefferson joins Michael to break down the truth behind ARMs, their history in the subprime crisis, and how they’re used today.🔑 Key Topics:What ARMs really are and how they workWhy ARMs were risky during the subprime eraHow today’s underwriting standards protect borrowersWhen an ARM might actually be the best optionWhy understanding your borrower’s goals is keyPlus, we’ve got a special invite for loan officers: take our industry survey at https://todayinmortgages.com and get a free benchmark report to see how you stack up in comp, tech, and support.Listen in as we discuss this and more!--Looking to GROW your business?Find out how we are making our best producers even better and how you can DO MORE YOU inside the best Network in mortgages by visiting https://you.nflp.com--Take our Loan Officer Survey to get your FREE industry report! Benchmark yourself, understand trends, and make smarter career decisions at https://todayinmortgages.com/survey/#MortgageNews #RefinanceBoom #LoanOfficerLife #TodayInMortgages #NetworkFunding______Today in Mortgages is produced by Network Funding, LP, which is an equal housing lender, NMLS# 2297.*The content of this program is meant to be a commentary on mortgage and real estate news and any discussion of rates and/or products should not be taken as individual mortgage or home buying advice or pricing estimates. Any commentary on this show should not be considered a promise to make a loan. All applicants for a loan must qualify, and you should consult a professional regarding your individual loan scenarios for your financial situation.Visit our website at https://nflp.com/licenses for all state licensing and other legal information.See more at TodayInMortgages.comWant to get expert coaching everyday and have the power of the best Network in Mortgages behind your production business? Learn more here. Learn more about Network Funding on our parent site. Today in mortgages is produced by Network Funding, LP, which is an equal housing lender, NMLS# 2297. Corporate office located at 10370 Richmond Ave. Suite 900, Houston, TX 77042. The content of this program is meant to be a commentary on mortgage and real estate news and any discussion of rates and or products should not be taken as individual mortgage or home buying advice or pricing estimates, and any commentary on this show is should not be considered a promise to make a loan. All applicants for a loan must qualify and you should consult a professional regarding your individual loan scenarios for your financial situation. Visit our website at nflp.com/licenses for all state licensing and other legal information.

Rates dipping and refis are jumping— up 111% from last year, according to MarketWatch. But is it the right time for you or your clients to refinance?In this episode of Today in Mortgages, Michael and Rich break down:- Why some Network Funding branches just had their biggest month in two years- What types of refinances are trending (rate & term vs. cash-out)- How to calculate real savings—even with closing costs- Why loan officers should be reconnecting with their database right now- What homeowners can do to prep for a smart refi move- How to leverage PMI removal and insurance shopping for year-end savings- What 2026 might look like for refis vs. purchasesPlus, we’ve got a special invite for loan officers: take our industry survey at https://todayinmortgages.com and get a free benchmark report to see how you stack up in comp, tech, and support.Listen in as we discuss this and more!--Looking to GROW your business?Find out how we are making our best producers even better and how you can DO MORE YOU inside the best Network in mortgages by visiting https://you.nflp.com--Take our Loan Officer Survey to get your FREE industry report! Benchmark yourself, understand trends, and make smarter career decisions at https://todayinmortgages.com/survey/#MortgageNews #RefinanceBoom #LoanOfficerLife #TodayInMortgages #NetworkFunding______Today in Mortgages is produced by Network Funding, LP, which is an equal housing lender, NMLS# 2297.*The content of this program is meant to be a commentary on mortgage and real estate news and any discussion of rates and/or products should not be taken as individual mortgage or home buying advice or pricing estimates. Any commentary on this show should not be considered a promise to make a loan. All applicants for a loan must qualify, and you should consult a professional regarding your individual loan scenarios for your financial situation.Visit our website at https://nflp.com/licenses for all state licensing and other legal information.See more at TodayInMortgages.comWant to get expert coaching everyday and have the power of the best Network in Mortgages behind your production business? Learn more here. Learn more about Network Funding on our parent site. Today in mortgages is produced by Network Funding, LP, which is an equal housing lender, NMLS# 2297. Corporate office located at 10370 Richmond Ave. Suite 900, Houston, TX 77042. The content of this program is meant to be a commentary on mortgage and real estate news and any discussion of rates and or products should not be taken as individual mortgage or home buying advice or pricing estimates, and any commentary on this show is should not be considered a promise to make a loan. All applicants for a loan must qualify and you should consult a professional regarding your individual loan scenarios for your financial situation. Visit our website at nflp.com/licenses for all state licensing and other legal information.

In this episode of Today in Mortgages, Michael and Rich discuss the latest good news in terms of rate cuts and policy.Fed chair Powell announced a .25 point basis cut in the Fed funds rates! But they also said "we are far from a decision to cut more in December" leaving everyone guessing.With the government shut down, Powell wants to be certain before he makes a decision. Currently we have slower job growth and continued elevated inflation. Their target inflation is 2% but we are still at 3%. Reminding us, that just because the Fed fund rate went down, doesn't mean our mortgage rates are going down.Shifting gears to policy, today's article is from Housingwire.com "Pulte says LLPA fees under review, signals relief for borrowers." The FHFA director has suggested changing LLPAs, if son, we could see immediate improvement in rates. They added a lot of these adjustments in 2023, and they do make a differences in getting loans. changes to these LLPAs could help people with low FICOS, and those with Higher FICOS but lower down-payments.Listen in as we discuss this and more!--Looking to GROW your business?Find out how we are making our best producers even better and how you can DO MORE YOU inside the best Network in mortgages by visiting https://you.nflp.com--Take our Loan Officer Survey to get your FREE industry report! Benchmark yourself, understand trends, and make smarter career decisions at https://todayinmortgages.com/survey/#MortgageNews #RefinanceBoom #LoanOfficerLife #TodayInMortgages #NetworkFunding______Today in Mortgages is produced by Network Funding, LP, which is an equal housing lender, NMLS# 2297.*The content of this program is meant to be a commentary on mortgage and real estate news and any discussion of rates and/or products should not be taken as individual mortgage or home buying advice or pricing estimates. Any commentary on this show should not be considered a promise to make a loan. All applicants for a loan must qualify, and you should consult a professional regarding your individual loan scenarios for your financial situation.Visit our website at https://nflp.com/licenses for all state licensing and other legal information.See more at TodayInMortgages.comWant to get expert coaching everyday and have the power of the best Network in Mortgages behind your production business? Learn more here. Learn more about Network Funding on our parent site. Today in mortgages is produced by Network Funding, LP, which is an equal housing lender, NMLS# 2297. Corporate office located at 10370 Richmond Ave. Suite 900, Houston, TX 77042. The content of this program is meant to be a commentary on mortgage and real estate news and any discussion of rates and or products should not be taken as individual mortgage or home buying advice or pricing estimates, and any commentary on this show is should not be considered a promise to make a loan. All applicants for a loan must qualify and you should consult a professional regarding your individual loan scenarios for your financial situation. Visit our website at nflp.com/licenses for all state licensing and other legal information.

In this episode of Today in Mortgages, Michael and Rich break down the latest In this episode of Today in Mortgages, Michael and Rich break down the latest economic headlines and what they mean for the mortgage and housing markets. From record-breaking stock market highs to cooling inflation and the Fed’s next move, we’re diving into the data and decoding the impact for loan officers and homebuyers alike.Key Topics:📈 Stock market hits new highs – why it matters🧊 Inflation cools to 3% – what’s driving it🏦 Fed rate cut predictions and what they don’t mean for mortgage rates💡 Understanding the 10-year treasury’s role in rate movement📊 New Loan Officer Benchmark Survey – get your free industry report!--Looking to GROW your business?Find out how we are making our best producers even better and how you can DO MORE YOU inside the best Network in mortgages by visiting https://you.nflp.com--Take our Loan Officer Survey to get your FREE industry report! Benchmark yourself, understand trends, and make smarter career decisions at https://todayinmortgages.com/survey/#MortgageNews #RefinanceBoom #LoanOfficerLife #TodayInMortgages #NetworkFunding______Today in Mortgages is produced by Network Funding, LP, which is an equal housing lender, NMLS# 2297.*The content of this program is meant to be a commentary on mortgage and real estate news and any discussion of rates and/or products should not be taken as individual mortgage or home buying advice or pricing estimates. Any commentary on this show should not be considered a promise to make a loan. All applicants for a loan must qualify, and you should consult a professional regarding your individual loan scenarios for your financial situation.Visit our website at https://nflp.com/licenses for all state licensing and other legal information.See more at TodayInMortgages.comWant to get expert coaching everyday and have the power of the best Network in Mortgages behind your production business? Learn more here. Learn more about Network Funding on our parent site. Today in mortgages is produced by Network Funding, LP, which is an equal housing lender, NMLS# 2297. Corporate office located at 10370 Richmond Ave. Suite 900, Houston, TX 77042. The content of this program is meant to be a commentary on mortgage and real estate news and any discussion of rates and or products should not be taken as individual mortgage or home buying advice or pricing estimates, and any commentary on this show is should not be considered a promise to make a loan. All applicants for a loan must qualify and you should consult a professional regarding your individual loan scenarios for your financial situation. Visit our website at nflp.com/licenses for all state licensing and other legal information.

Refinance demand is up 81% compared to last year—are we finally seeing the comeback we've been waiting for? In this episode, we dive into the latest CNBC article and discuss what falling mortgage rates mean for loan officers, homeowners, and the broader housing market.In this episode:Why refinance activity is surgingWhat falling rates mean for buyers and homeownersHow loan officers can capitalize on this trendThe importance of mortgage reviews and trusted advisorsWhat to expect in 2026 for the industry and Network Funding--LOAN OFFICERS – Looking to GROW your business?Find out how we are making our best producers even better and how you can DO MORE YOU inside the best Network in mortgages by visiting https://you.nflp.com--FREE INDUSTRY INSIGHTS REPORT:Take our Loan Officer Survey to get your FREE industry report! Benchmark yourself, understand trends, and make smarter career decisions at https://todayinmortgages.com/survey/--Hashtags:#MortgageNews #RefinanceBoom #LoanOfficerLife #TodayInMortgages #NetworkFunding_____FREE INDUSTRY INSIGHTS REPORT:Take our Loan Officer Survey to get your FREE industry report!  This report allows you to benchmark yourself against your peers, understand industry trends, and make better decisions about your career in the future.  Get started now at https://todayinmortgages.com/survey/______Today in Mortgages is produced by Network Funding, LP, which is an equal housing lender, NMLS# 2297.*The content of this program is meant to be a commentary on mortgage and real estate news and any discussion of rates and/or products should not be taken as individual mortgage or home buying advice or pricing estimates. Any commentary on this show should not be considered a promise to make a loan. All applicants for a loan must qualify, and you should consult a professional regarding your individual loan scenarios for your financial situation.Visit our website at https://nflp.com/licenses for all state licensing and other legal information.#MortgageNews #GovernmentShutdown #RealEstate2025 #LoanOfficerLife #TodayInMortgagesSee more at TodayInMortgages.comWant to get expert coaching everyday and have the power of the best Network in Mortgages behind your production business? Learn more here. Learn more about Network Funding on our parent site. Today in mortgages is produced by Network Funding, LP, which is an equal housing lender, NMLS# 2297. Corporate office located at 10370 Richmond Ave. Suite 900, Houston, TX 77042. The content of this program is meant to be a commentary on mortgage and real estate news and any discussion of rates and or products should not be taken as individual mortgage or home buying advice or pricing estimates, and any commentary on this show is should not be considered a promise to make a loan. All applicants for a loan must qualify and you should consult a professional regarding your individual loan scenarios for your financial situation. Visit our website at nflp.com/licenses for all state licensing and other legal information.

Is the housing market really stalling — or is it just the headlines? In this episode, Michael and Rich dive into the impact of the ongoing government shutdown on mortgage lending, USDA loans, flood insurance, and buyer confidence. Despite the noise, there’s good news: listings are up, rates are dipping, and builders are offering end-of-year deals that first-time buyers shouldn’t miss.🎯 Plus, we introduce our brand-new *Loan Officer Benchmark Survey* — a free tool to help you see how you stack up in the industry and make smarter career moves. Take the survey now at https://todayinmortgages.com/survey/ or hit the link in the show notes!📉 Topics covered:Shutdown effects on loan productsInventory trends and interest rate shiftsBuilder incentives and year-end strategiesHow to use our survey to grow your mortgage career💬 Whether you're a seasoned LO or just exploring your options, this episode is packed with insights to help you stay ahead in a shifting market.🔗 Learn more about joining the best network in mortgage: https://you.nflp.com---LOAN OFFICERS – Looking to GROW your business?Find out how we are making our best producers even better and how you can DO MORE YOU inside the best Network in mortgages by visiting https://you.nflp.com_____FREE INDUSTRY INSIGHTS REPORT:Take our Loan Officer Survey to get your FREE industry report!  This report allows you to benchmark yourself against your peers, understand industry trends, and make better decisions about your career in the future.  Get started now at See more at TodayInMortgages.comWant to get expert coaching everyday and have the power of the best Network in Mortgages behind your production business? Learn more here. Learn more about Network Funding on our parent site. Today in mortgages is produced by Network Funding, LP, which is an equal housing lender, NMLS# 2297. Corporate office located at 10370 Richmond Ave. Suite 900, Houston, TX 77042. The content of this program is meant to be a commentary on mortgage and real estate news and any discussion of rates and or products should not be taken as individual mortgage or home buying advice or pricing estimates, and any commentary on this show is should not be considered a promise to make a loan. All applicants for a loan must qualify and you should consult a professional regarding your individual loan scenarios for your financial situation. Visit our website at nflp.com/licenses for all state licensing and other legal information.

Welcome back, Dreammakers, to Today in Mortgages! In this episode, hosts Michael and Richard discuss the new bill that Congress passed!Today's article is from MortgageProfessional.com "Senate passes ROAD to housing act." This bill still needs to pass the house, but it is the administrations attempt to address affordable housing challenges. And, it's bipartisan! So what is in the bill? There's a to still uncover, but here's what we've found so far:- Federal grants to help housing and builders- Cutting of red tape - Zoning help- Building housing in rural areas that have transit hubs- Making it easier to bring in young appraisers. The cost of getting appraisers has escalated, and this should help with that- Easing lending on tiny homesThere are around 35 different provisions in this bill. It's been over 10 years since bipartisan housing help has passed through the senate, and many amendments are strong immediate housing needs. Listen in as we discuss this and more!Grow Your Business: https://join.nflp.com/_____Can you add this to the YT and Buzzsprout show notes:  Take our Loan Officer Survey to get your FREE industry report! This report allows you to benchmark yourself against your peers, understand industry trends, and make better decisions about your career in the future. Get started now at https://todayinmortgages.com/survey/ _____Today in mortgages is produced by Network Funding, LP, which is an equal housing lender, NMLS# 2297. The content of this program is meant to be a commentary on mortgage and real estate news and any discussion of rates and or products should not be taken as individual mortgage or home buying advice or pricing estimates, and any commentary on this show is should not be considered a promise to make a loan. All applicants for a loan must qualify and you should consult a professional regarding your individual loan scenarios for your financial situation. Visit our website at nflp.com/licenses for all state licensing and other legal information.See more at TodayInMortgages.comWant to get expert coaching everyday and have the power of the best Network in Mortgages behind your production business? Learn more here. Learn more about Network Funding on our parent site. Today in mortgages is produced by Network Funding, LP, which is an equal housing lender, NMLS# 2297. Corporate office located at 10370 Richmond Ave. Suite 900, Houston, TX 77042. The content of this program is meant to be a commentary on mortgage and real estate news and any discussion of rates and or products should not be taken as individual mortgage or home buying advice or pricing estimates, and any commentary on this show is should not be considered a promise to make a loan. All applicants for a loan must qualify and you should consult a professional regarding your individual loan scenarios for your financial situation. Visit our website at nflp.com/licenses for all state licensing and other legal information.

Welcome back, Dreammakers, to Today in Mortgages! In this episode, hosts Michael and Richard discuss why the market has strong demand but weak sales numbers.Today's article from CNN.com says "Here's why the housing slowdown isn't lowering sales prices." Buyers know they hold the cards right now, but sellers are stubborn. Unless you really have to sell, sellers won't come off the price. Sellers are doing concessions, but once contracts get to the inspection stage we are seeing 15% of sales being cancelled, up from 6% in May. Showing that buyers are willing to walk away from contracts right now. Buyers are qualifying right on the edge, and don't have room in their budgets to negotiate with the sellers or pay for more fixes found during the inspection.Seems like we should be seeing a general across the board reduction in home prices. However, homeowners are sitting on low interest rates, and they don't want to give away all of their equity. Buyers just can't afford today's prices. Listen in as we discuss this and more!Grow Your Business: https://join.nflp.com/______Today in mortgages is produced by Network Funding, LP, which is an equal housing lender, NMLS# 2297. The content of this program is meant to be a commentary on mortgage and real estate news and any discussion of rates and or products should not be taken as individual mortgage or home buying advice or pricing estimates, and any commentary on this show is should not be considered a promise to make a loan. All applicants for a loan must qualify and you should consult a professional regarding your individual loan scenarios for your financial situation. Visit our website at nflp.com/licenses for all state licensing and other legal information.See more at TodayInMortgages.comWant to get expert coaching everyday and have the power of the best Network in Mortgages behind your production business? Learn more here. Learn more about Network Funding on our parent site. Today in mortgages is produced by Network Funding, LP, which is an equal housing lender, NMLS# 2297. Corporate office located at 10370 Richmond Ave. Suite 900, Houston, TX 77042. The content of this program is meant to be a commentary on mortgage and real estate news and any discussion of rates and or products should not be taken as individual mortgage or home buying advice or pricing estimates, and any commentary on this show is should not be considered a promise to make a loan. All applicants for a loan must qualify and you should consult a professional regarding your individual loan scenarios for your financial situation. Visit our website at nflp.com/licenses for all state licensing and other legal information.

Welcome back, Dreammakers, to Today in Mortgages! In this episode, hosts Michael and Richard discuss the government shut down and how it will impact the housing market.Obviously, there's a debate going on between the left and right on how to solve this, but we are focusing only on the mortgage industry. Specifically, what essential services will continue to happen, and what will be more difficult for mortgage professionals and buyers. The answer is it's mostly undisturbed as long as this is short term. One of few issues that could arise is getting flood insurance from the federal government. The National Flood Insurance Policy is now not funded, you have to go private. In a lot of cases private flood insurance is pretty good, so hopefully there's not a problem.Another thought is USDA loans need to be guaranteed prior to funding, but in past shut downs, investors assumed the risk of getting those loans approved after the government was back up and running. Also, tax transcripts could be harder to attain. But, we allow the borrower to get their own transcripts from the irs.gov site which they still can do. Some broader market factors that could be effected by all of this include data getting collected and reporting (such as we are likely not going to get a labor report which would come out on Friday). But in general it looks like we have good enough work arounds until the shut down ends!Listen in as we discuss this and more!Grow Your Business: https://join.nflp.com/______Today in mortgages is produced by Network Funding, LP, which is an equal housing lender, NMLS# 2297. The content of this program is meant to be a commentary on mortgage and real estate news and any discussion of rates and or products should not be taken as individual mortgage or home buying advice or pricing estimates, and any commentary on this show is should not be considered a promise to make a loan. All applicants for a loan must qualify and you should consult a professional regarding your individual loan scenarios for your financial situation. Visit our website at nflp.com/licenses for all state licensing and other legal information.See more at TodayInMortgages.comWant to get expert coaching everyday and have the power of the best Network in Mortgages behind your production business? Learn more here. Learn more about Network Funding on our parent site. Today in mortgages is produced by Network Funding, LP, which is an equal housing lender, NMLS# 2297. Corporate office located at 10370 Richmond Ave. Suite 900, Houston, TX 77042. The content of this program is meant to be a commentary on mortgage and real estate news and any discussion of rates and or products should not be taken as individual mortgage or home buying advice or pricing estimates, and any commentary on this show is should not be considered a promise to make a loan. All applicants for a loan must qualify and you should consult a professional regarding your individual loan scenarios for your financial situation. Visit our website at nflp.com/licenses for all state licensing and other legal information.

Welcome back, Dreammakers, to Today in Mortgages! In this episode, hosts Michael and Richard discuss that there has been a bump in new home sales.Today's article is from CNBC.com: "New home sales soar 20% in August to a three-year high." This giant bump was a lot more than expected! Looking at the data we are not surprised. Interest rates, we went from high 6's to low 6's which on a $400,00 loan is about $120 a month. Also, new builders are contributing to closing costs, homes upgrades and buying rates down. These are just some of the factors that are driving this increase in sales. Listen in as we discuss this and more!Grow Your Business: https://join.nflp.com/______Today in mortgages is produced by Network Funding, LP, which is an equal housing lender, NMLS# 2297. The content of this program is meant to be a commentary on mortgage and real estate news and any discussion of rates and or products should not be taken as individual mortgage or home buying advice or pricing estimates, and any commentary on this show is should not be considered a promise to make a loan. All applicants for a loan must qualify and you should consult a professional regarding your individual loan scenarios for your financial situation. Visit our website at nflp.com/licenses for all state licensing and other legal information.See more at TodayInMortgages.comWant to get expert coaching everyday and have the power of the best Network in Mortgages behind your production business? Learn more here. Learn more about Network Funding on our parent site. Today in mortgages is produced by Network Funding, LP, which is an equal housing lender, NMLS# 2297. Corporate office located at 10370 Richmond Ave. Suite 900, Houston, TX 77042. The content of this program is meant to be a commentary on mortgage and real estate news and any discussion of rates and or products should not be taken as individual mortgage or home buying advice or pricing estimates, and any commentary on this show is should not be considered a promise to make a loan. All applicants for a loan must qualify and you should consult a professional regarding your individual loan scenarios for your financial situation. Visit our website at nflp.com/licenses for all state licensing and other legal information.

Welcome back, Dreammakers, to Today in Mortgages! In this episode, hosts Michael and Richard discuss if we are finally getting relief from high interest rates.The industry expected a cut in interest rates by the fed, which we got! But mortgage rates have worsened. We are still dealing with the bigger issues of worsening unemployment, and the fed wants inflation to come down to 2%. Nobody know's where we go from here. What we do know is that rates have slowly come down the last few years. A good way to anticipate where mortgage rates are going it to follow the 10 year treasury. In our experience, until the treasury drops below 4% our rates are going to stay elevated. Grow Your Business: https://join.nflp.com/______Today in mortgages is produced by Network Funding, LP, which is an equal housing lender, NMLS# 2297. The content of this program is meant to be a commentary on mortgage and real estate news and any discussion of rates and or products should not be taken as individual mortgage or home buying advice or pricing estimates, and any commentary on this show is should not be considered a promise to make a loan. All applicants for a loan must qualify and you should consult a professional regarding your individual loan scenarios for your financial situation. Visit our website at nflp.com/licenses for all state licensing and other legal information.See more at TodayInMortgages.comWant to get expert coaching everyday and have the power of the best Network in Mortgages behind your production business? Learn more here. Learn more about Network Funding on our parent site. Today in mortgages is produced by Network Funding, LP, which is an equal housing lender, NMLS# 2297. Corporate office located at 10370 Richmond Ave. Suite 900, Houston, TX 77042. The content of this program is meant to be a commentary on mortgage and real estate news and any discussion of rates and or products should not be taken as individual mortgage or home buying advice or pricing estimates, and any commentary on this show is should not be considered a promise to make a loan. All applicants for a loan must qualify and you should consult a professional regarding your individual loan scenarios for your financial situation. Visit our website at nflp.com/licenses for all state licensing and other legal information.

Welcome back, Dreammakers, to Today in Mortgages! In this episode, hosts Michael and Richard discuss the PPI report that came back weaker than expected. The report showed there was a 10% decline, when they anticipated an increase. And a jobs revision report found 900,011 jobs have been erased from March 2024 to March 2025. These two reports all lead to a rate cut next week at the next Fed meeting. Question is how much will the rate cut be? Listen in as we discuss this and more! Grow Your Business: https://join.nflp.com/______Today in mortgages is produced by Network Funding, LP, which is an equal housing lender, NMLS# 2297. The content of this program is meant to be a commentary on mortgage and real estate news and any discussion of rates and or products should not be taken as individual mortgage or home buying advice or pricing estimates, and any commentary on this show is should not be considered a promise to make a loan. All applicants for a loan must qualify and you should consult a professional regarding your individual loan scenarios for your financial situation. Visit our website at nflp.com/licenses for all state licensing and other legal information.See more at TodayInMortgages.comWant to get expert coaching everyday and have the power of the best Network in Mortgages behind your production business? Learn more here. Learn more about Network Funding on our parent site. Today in mortgages is produced by Network Funding, LP, which is an equal housing lender, NMLS# 2297. Corporate office located at 10370 Richmond Ave. Suite 900, Houston, TX 77042. The content of this program is meant to be a commentary on mortgage and real estate news and any discussion of rates and or products should not be taken as individual mortgage or home buying advice or pricing estimates, and any commentary on this show is should not be considered a promise to make a loan. All applicants for a loan must qualify and you should consult a professional regarding your individual loan scenarios for your financial situation. Visit our website at nflp.com/licenses for all state licensing and other legal information.

Welcome back, Dreammakers, to Today in Mortgages! In this episode, hosts Michael and Richard discuss if trigger leads will finally be a thing of the past. Good news, we might all be getting less spam calls! National Mortgage Professional says "Trump signs homebuyer privacy protection act, ending abusive trigger leads." Now, we wait six months for the enactment period to pass from the signing for this to go into effect. A trigger lead is when your credit is pulled by a mortgage company. The bureau's sell that information - and the borrowers phone will blow up immediately with calls within the first hour of having your credit pulled by the people who purchased that information. That is abusive, and the reason why this legislation was put together.The new legislation will still allow for existing relationships with the borrower to be notified about the trigger lead, such as their lender and servicer. However, there are still unknowns such as how it will be enforced, but we are excited for this legislation nonetheless! Listen in as we discuss this and more! Grow Your Business: https://join.nflp.com/See more at TodayInMortgages.comWant to get expert coaching everyday and have the power of the best Network in Mortgages behind your production business? Learn more here. Learn more about Network Funding on our parent site. Today in mortgages is produced by Network Funding, LP, which is an equal housing lender, NMLS# 2297. Corporate office located at 10370 Richmond Ave. Suite 900, Houston, TX 77042. The content of this program is meant to be a commentary on mortgage and real estate news and any discussion of rates and or products should not be taken as individual mortgage or home buying advice or pricing estimates, and any commentary on this show is should not be considered a promise to make a loan. All applicants for a loan must qualify and you should consult a professional regarding your individual loan scenarios for your financial situation. Visit our website at nflp.com/licenses for all state licensing and other legal information.

Welcome back, Dreammakers, to Today in Mortgages! In this episode, hosts Michael and Richard talk about if we are in a housing emergency. Todays article is from Newsweek: "Trump may declare national housing emergency -- but what is it?" We want to answer that question. First, Trump loves declaring a national emergency because it gives him executive powers, instead of going through congress. Second, the housing problem is that we are 4.7 million homes short of demand. Where are those housing going to be built? Further out of town in less desirable areas is not always the solution. They will likely have to pressure states to ease regulations to get more homes built.We are in a housing shortage, but at the same time there is a glut of new homes sitting on the market. This is mainly due to homes listed at too high prices. Cost of housing has far surpassed income growth. Honestly, we aren't sure how the government can solve this problem. We need lower interest rates for sure, and could there be a correction to the appreciation the last few years by pricing dropping? Listen in as we discuss this and more!Grow Your Business: https://join.nflp.com/______Today in mortgages is produced by Network Funding, LP, which is an equal housing lender, NMLS# 2297. The content of this program is meant to be a commentary on mortgage and real estate news and any discussion of rates and or products should not be taken as individual mortgage or home buying advice or pricing estimates, and any commentary on this show is should not be considered a promise to make a loan. All applicants for a loan must qualify and you should consult a professional regarding your individual loan scenarios for your financial situation. Visit our website at nflp.com/licenses for all state licensing and other legal information.See more at TodayInMortgages.comWant to get expert coaching everyday and have the power of the best Network in Mortgages behind your production business? Learn more here. Learn more about Network Funding on our parent site. Today in mortgages is produced by Network Funding, LP, which is an equal housing lender, NMLS# 2297. Corporate office located at 10370 Richmond Ave. Suite 900, Houston, TX 77042. The content of this program is meant to be a commentary on mortgage and real estate news and any discussion of rates and or products should not be taken as individual mortgage or home buying advice or pricing estimates, and any commentary on this show is should not be considered a promise to make a loan. All applicants for a loan must qualify and you should consult a professional regarding your individual loan scenarios for your financial situation. Visit our website at nflp.com/licenses for all state licensing and other legal information.

Welcome back, Dreammakers, to Today in Mortgages! In this episode, hosts Michael and Richard talk about storm season.Todays article is from Housingwire.com: "Hurricane season arrives amid homeowners insurance hikes." Interest rates are of course making home less affordable nowadays, but that's not the only increase. Home insurance has increased in some areas as much as 50% in recent years. What can we do about this? Begin with shopping around to find the best rate possible. All states share in the rise in premiums, though some areas have risen more than others. Most of the rise is due to rebuilding areas from mass catastrophic events: forest fires and hurricanes. Listen in as we discuss this and more!Grow Your Business: https://join.nflp.com/______Today in mortgages is produced by Network Funding, LP, which is an equal housing lender, NMLS# 2297. The content of this program is meant to be a commentary on mortgage and real estate news and any discussion of rates and or products should not be taken as individual mortgage or home buying advice or pricing estimates, and any commentary on this show is should not be considered a promise to make a loan. All applicants for a loan must qualify and you should consult a professional regarding your individual loan scenarios for your financial situation. Visit our website at nflp.com/licenses for all state licensing and other legal information.See more at TodayInMortgages.comWant to get expert coaching everyday and have the power of the best Network in Mortgages behind your production business? Learn more here. Learn more about Network Funding on our parent site. Today in mortgages is produced by Network Funding, LP, which is an equal housing lender, NMLS# 2297. Corporate office located at 10370 Richmond Ave. Suite 900, Houston, TX 77042. The content of this program is meant to be a commentary on mortgage and real estate news and any discussion of rates and or products should not be taken as individual mortgage or home buying advice or pricing estimates, and any commentary on this show is should not be considered a promise to make a loan. All applicants for a loan must qualify and you should consult a professional regarding your individual loan scenarios for your financial situation. Visit our website at nflp.com/licenses for all state licensing and other legal information.

Welcome back, Dreammakers, to Today in Mortgages! In this episode, hosts Michael and Richard discuss homebuilder sentiment.Today's article from SeekingAlpha.com is titled: "Homebuilder sentiment unexpectedly dims in August as mortgage rates stay high." The main issues builders are seeing is supply headwinds, continued high-rate environment and affordability. In light of these issues, builders are concerned they are running out of borrowers, because buyers are sick of seeing the payment sizes at these high rates. In response, builders are offering major incentives like buying down rates. On the supply side, we are seeing lumbar costs rise, causing a lot of headwind for builders. In addition to builders buying down interest rates, they are paying closing costs and now with these higher lumbar costs, builders are fronting a lot of the expense. But despite all of this, we are still looking forward to rates coming down in the future, and turning things around.Listen in as we discuss this and more!Grow Your Business: https://join.nflp.com/______Today in mortgages is produced by Network Funding, LP, which is an equal housing lender, NMLS# 2297. The content of this program is meant to be a commentary on mortgage and real estate news and any discussion of rates and or products should not be taken as individual mortgage or home buying advice or pricing estimates, and any commentary on this show is should not be considered a promise to make a loan. All applicants for a loan must qualify and you should consult a professional regarding your individual loan scenarios for your financial situation. Visit our website at nflp.com/licenses for all state licensing and other legal information.See more at TodayInMortgages.comWant to get expert coaching everyday and have the power of the best Network in Mortgages behind your production business? Learn more here. Learn more about Network Funding on our parent site. Today in mortgages is produced by Network Funding, LP, which is an equal housing lender, NMLS# 2297. Corporate office located at 10370 Richmond Ave. Suite 900, Houston, TX 77042. The content of this program is meant to be a commentary on mortgage and real estate news and any discussion of rates and or products should not be taken as individual mortgage or home buying advice or pricing estimates, and any commentary on this show is should not be considered a promise to make a loan. All applicants for a loan must qualify and you should consult a professional regarding your individual loan scenarios for your financial situation. Visit our website at nflp.com/licenses for all state licensing and other legal information.

Welcome back, Dreammakers, to Today in Mortgages! In this episode, hosts Michael and Richard discuss Trump's new plan that is so crazy it just might work.Today's article from AIInvest.com says: "Trump's Fannie Mae and Freddie Mac IPO plan: A potential solution for lower mortgage rates?" Reminder, Fannie & Freddie went into government stewardship during the financial crash of 2008. They have been earning a lot of money for the federal government. The white house is looking at this now as a solution -- the government can sell their shares for a lot of money. The flip side of the argument says a for-profit entity could drive rates up.Listen in as we discuss this and more!Grow Your Business: https://join.nflp.com/______Today in mortgages is produced by Network Funding, LP, which is an equal housing lender, NMLS# 2297. The content of this program is meant to be a commentary on mortgage and real estate news and any discussion of rates and or products should not be taken as individual mortgage or home buying advice or pricing estimates, and any commentary on this show is should not be considered a promise to make a loan. All applicants for a loan must qualify and you should consult a professional regarding your individual loan scenarios for your financial situation. Visit our website at nflp.com/licenses for all state licensing and other legal information.See more at TodayInMortgages.comWant to get expert coaching everyday and have the power of the best Network in Mortgages behind your production business? Learn more here. Learn more about Network Funding on our parent site. Today in mortgages is produced by Network Funding, LP, which is an equal housing lender, NMLS# 2297. Corporate office located at 10370 Richmond Ave. Suite 900, Houston, TX 77042. The content of this program is meant to be a commentary on mortgage and real estate news and any discussion of rates and or products should not be taken as individual mortgage or home buying advice or pricing estimates, and any commentary on this show is should not be considered a promise to make a loan. All applicants for a loan must qualify and you should consult a professional regarding your individual loan scenarios for your financial situation. Visit our website at nflp.com/licenses for all state licensing and other legal information.

Welcome back, Dreammakers, to Today in Mortgages! In this episode, hosts Michael and Richard discuss application numbers are picking up!The good news we are talking about today comes from NationalMortgageProfessional.com: "Mortgage applications rise as rates fall for third straight week." Borrowers applying for loans have ticked up over the last three weeks. Overall applications are up 3.1%, and the biggest takeaway is 42% of that increase were refinance applications. The majority of those refinances are cash-out loans. Borrowers are leveraging the equity they've built to pay down consumer debt which has risen the last few years.Listen in as we discuss this and more!Grow Your Business: https://join.nflp.com/______Today in mortgages is produced by Network Funding, LP, which is an equal housing lender, NMLS# 2297. The content of this program is meant to be a commentary on mortgage and real estate news and any discussion of rates and or products should not be taken as individual mortgage or home buying advice or pricing estimates, and any commentary on this show is should not be considered a promise to make a loan. All applicants for a loan must qualify and you should consult a professional regarding your individual loan scenarios for your financial situation. Visit our website at nflp.com/licenses for all state licensing and other legal information.See more at TodayInMortgages.comWant to get expert coaching everyday and have the power of the best Network in Mortgages behind your production business? Learn more here. Learn more about Network Funding on our parent site. Today in mortgages is produced by Network Funding, LP, which is an equal housing lender, NMLS# 2297. Corporate office located at 10370 Richmond Ave. Suite 900, Houston, TX 77042. The content of this program is meant to be a commentary on mortgage and real estate news and any discussion of rates and or products should not be taken as individual mortgage or home buying advice or pricing estimates, and any commentary on this show is should not be considered a promise to make a loan. All applicants for a loan must qualify and you should consult a professional regarding your individual loan scenarios for your financial situation. Visit our website at nflp.com/licenses for all state licensing and other legal information.