Today in Mortgages

Is paying off your mortgage early always the right move? While it might seem like a clear path to financial freedom, Rich and Michael break down why it's a nuanced decision. What we cover: * The surprising number of homeowners making extra payments. * How one extra payment a year can shave years and thousands of dollars off your loan. * When it makes more sense to invest your cash instead of paying down a low-interest mortgage. * The current economic factors, from bond markets to oil prices, affecting interest rates. * Actionable advice for both homeowners and loan professionals on navigating this strategy. What are your thoughts on making extra mortgage payments? Share your strategy in the comments below, and don't forget to subscribe for more insights! Today in Mortgages is produced by Network Funding, LP | Equal Housing Opportunity Lender, NMLS ID #2297 | nflp.com/licensesSee 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 mortgage interest rates finally see some relief in September? It's the question on every homebuyer's mind, but the answer isn't as simple as we'd hope. Rich and Michael tackle the uncertainty head-on, breaking down a recent CBS News article that explores the key factors influencing the market. **What we cover:** * The three primary forces that will dictate whether rates go up or down: the upcoming Fed meeting, ongoing global tensions, and critical inflation data. * A detailed breakdown of why waiting for lower rates could cost you more in the long run due to home price appreciation. * The real-world math: how a 'big' rate swing of a half-percent actually translates to your monthly payment and overall costs. * Actionable steps you can take now, like improving your credit score, to put yourself in a stronger financial position regardless of what the market does. If you're trying to time the market, this is a must-watch episode. What are your predictions for the fall? Let us know in the comments below, and don't forget to subscribe for more weekly insights! Today in Mortgages is produced by Network Funding, LP | Equal Housing Opportunity Lender, NMLS ID #2297 | nflp.com/licensesSee 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 just revamped its mortgage rate forecast, and the predictions for 2026-2027 are not what we expected. With the national debt crossing the $40 trillion mark and continued market volatility, what does this mean for homebuyers and real estate professionals navigating the current landscape? In this episode, Rich Jefferson and Michael discuss the factors driving the new forecast and what it takes to succeed in a high-interest-rate environment. **What we cover:** * How the staggering $40 trillion national debt is impacting interest rates. * Fannie Mae's revised mortgage rate predictions for the rest of the year and into 2027. * Why waiting for rates to drop can be a 'fool's game' and cost you more in the long run. * Strategic advice for using seller concessions to secure a permanent rate buydown. What's your strategy for advising clients in this market? Share your thoughts in the comments below! Today in Mortgages is produced by Network Funding, LP | Equal Housing Opportunity Lender, NMLS ID #2297 | nflp.com/licensesSee 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.

The balance of power in real estate is tilting dramatically. For the first time in years, buyers are gaining the upper hand, with more sellers than active buyers in many markets. In this episode, Rich and Michael dive into what this power shift means for you. **What we cover:** * Why the market is shifting and what a 'buyer's market' really means. * How sellers need to adjust their strategy to attract offers in this new environment. * The impact of recent economic reports on interest rates and affordability. * Crucial advice for real estate agents on how to guide their clients through this transition. What are you seeing in your local market? Let us know in the comments below, and don't forget to subscribe for more expert insights on navigating the real estate world. Today in Mortgages is produced by Network Funding, LP | Equal Housing Opportunity Lender, NMLS ID #2297 | nflp.com/licensesSee 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.

Googling 'current mortgage rates' is often the first step for aspiring homeowners, but what you see isn't always what you get. In this episode, Rich and Michael pull back the curtain on the most common online mortgage searches and explain why the results can be dangerously misleading. They reveal the hidden costs and missing information in online calculators and rate aggregators, showing you how to become a smarter, more prepared home buyer. **What we cover:** * Why the 'lowest rate' you see online is rarely the one you'll qualify for and the importance of APR. * The crucial factors that online affordability calculators miss, like taxes, insurance, and your personal debt ratio. * The real story on down payment requirements, from 0% down VA loans to state-specific programs. * How to determine if refinancing makes sense for you, including cash-out refis and HELOCs. What's the biggest mortgage question you've tried to Google? Let us know in the comments below, and don't forget to subscribe for more insights from our pros! Today in Mortgages is produced by Network Funding, LP | Equal Housing Opportunity Lender, NMLS ID #2297 | nflp.com/licensesSee 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.

The Fed didn't move rates, but the market reaction was dramatic. Rich and Michael explain why the ten-year treasury jumped and what Fed Chair Warsh's new data-driven approach—using private sector CEOs for intel—means for long-term stability and inflation. Plus, a massive overhaul to condo financing rules is here. Fannie Mae and Freddie Mac are eliminating limited reviews and increasing reserve requirements, but there's a silver lining for smaller complexes and communities with high investor concentration. What we cover: * Why the markets reacted negatively to the Fed holding rates steady. * How new Fed leadership is using private-sector data to guide policy. * Major changes to condo financing, including the elimination of limited reviews. * The surprising good news for small condo projects (10 units or less). * Why the removal of investor concentration limits is a game-changer for certain markets. Subscribe for the latest news and analysis to stay ahead in the mortgage and real estate game. Today in Mortgages is produced by Network Funding, LP | Equal Housing Opportunity Lender, NMLS ID #2297 | nflp.com/licensesSee 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.

The markets are flashing warning signs, with climbing rates and global conflict spooking investors. But the housing market is telling a completely different story of resilience. In this episode, Rich and Michael break down the complex economic signals and explain why, despite the headwinds, people are still determined to buy homes. **What we cover:** * Why jobless claims are lower than expected and what that really means. * The 10-year treasury is at its highest point all year, and how that impacts mortgage rates. * Home prices rose again in June, showing the housing market's surprising strength. * Rich's advice for homebuyers who are trying to navigate today's challenging market. If you're trying to make sense of the market, you don't want to miss this discussion. Subscribe and let us know your biggest questions in the comments! Today in Mortgages is produced by Network Funding, LP | Equal Housing Opportunity Lender, NMLS ID #2297 | nflp.com/licensesSee 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.

Despite confusing headlines and volatile markets, real estate has been voted America's best long-term investment for 14 years running. In this episode, Rich and Michael unpack the surprising economic signals and market sentiments that prove homeownership is still the smartest path to building wealth. What we cover: * The latest inflation report and what it really means for your wallet. * Why consumer spending remains strong, even with wages lagging. * A recent Gallup poll reveals real estate is still the #1 investment choice for Americans. * For the first time since 2023, a majority of Americans believe it's better to buy than rent—we discuss why. * How mortgage professionals can coach clients through affordability concerns in today's market. Do you think real estate is the best long-term investment? Let us know your thoughts in the comments below, and don't forget to subscribe for more insights! Today in Mortgages is produced by Network Funding, LP | Equal Housing Opportunity Lender, NMLS ID #2297 | nflp.com/licensesSee 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.

Blend just launched an AI-powered pre-underwriting tool — and it's only one of several vying for a spot in your originator's toolkit. Rich breaks down how AI pre-underwriting actually works, why it won't replace a licensed loan officer, and what a new CFPB executive order could mean for regulation.- Blend's new "Autopilot" AI pre-underwriting tool — and why NFLP is testing it against three competitors- How AI pre-underwriting flags trip wires before an underwriter ever sees the file, aiming for one-touch clear-to-close- Why Rich isn't worried about AI replacing loan officers — the one thing an AI can't get is a license- Inside Network Funding's "show and tell" peer-to-peer AI coaching calls for LOs nationwide- A new CFPB executive order invites mortgage professionals to help trim outdated regulations, plus June's home sales and pricing data💬 Questions about AI in mortgage lending? Drop them in the comments.🔔 Subscribe for the weekly mortgage news wrap-up.🌐 Loan officers: you.nflp.comSee 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 week, another rollercoaster in mortgages—and this time, it’s all about rates, global conflict, and housing supply pressure.In today’s episode of Today in Mortgages, Michael and Rich break down why home prices are still climbing, even while rates remain stubbornly high, and what April’s brief rate dip tells us about pent-up demand in today’s market.They also dive into the Road to Housing Act, a rare bipartisan effort aimed at boosting housing supply—and why it’s currently stuck waiting on a signature.If you’ve been waiting for the “perfect” time to buy, this episode might change your perspective.🔑 Key Topics:Why home price growth accelerated in MayHow April’s rate dip triggered buyer activityThe real impact of international conflict on mortgage ratesWhat the Road to Housing Act could mean for inventoryWhy waiting on rates could cost buyers long-term wealthCoaching strategies for loan officers in a tough marketLOAN 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 visitinghttps://you.nflp.com/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 our website at View Licensing Info for all state licensing and other legal information. https://nflp.com🔎 Hashtags#MortgageNews #HousingMarket #LoanOfficers #RealEstateTrends #InterestRatesSee 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.

Affordability continues to be a major hurdle for buyers—but it’s not the full story.Michael and Rich break down the latest from the Fed, including the updated dot plot and what “higher for longer” really means for interest rates. They also dive into how global events, inflation, and rising costs—like taxes and insurance—are impacting monthly housing payments.Then, they unpack a new Redfin report showing payments at a one-year high and explain why some buyers are stepping back… while others are finding opportunity in a less competitive market.If you’ve been waiting on rates to drop, this is a must-listen.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.#TodayInMortgages #FirstTimeHomeBuyer #MortgageTips #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.

It’s getting tougher than ever for the next generation to buy a home—but there are powerful ways families can step in and help.In this episode of Today in Mortgages, Michael and Rich break down a recent AARP article on helping kids buy their first home and explore real-world strategies that go beyond the basics. From down payment struggles to creative financing options, they explain how families can work together to make homeownership possible—without sacrificing long-term financial goals.Plus, they dive into Network Funding’s Family Loan—a unique solution that allows parents and grandparents to act as lenders, support their loved ones, and still earn a return.What you’ll learn:Why affordability is the biggest barrier for first-time buyers todayThe truth about down payments (and why 20% isn’t required)The pros and cons of gifting money vs. co-signingWhat an intra-family loan is—and how it worksHow Network Funding’s Family Loan creates a win-win for both generationsWhy waiting on rates could cost you more in the long runToday 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.#TodayInMortgages #FirstTimeHomeBuyer #MortgageTips #RealEstateMarket #LoanOfficerLifeSee 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.

2030 may feel far away—but in housing, it’s closer than you think. In this episode of Today in Mortgages, we break down a bold prediction from Fannie Mae and what it means for home prices, affordability, and the next generation of buyers.As the market normalizes, what should loan officers and real estate professionals be doing right now to stay ahead? This episode is packed with insights to help you educate clients, position yourself as a trusted advisor, and win in today’s market.🔑 What We Cover:Fannie Mae’s outlook for home price growth through 2030Why a housing crash is unlikely despite affordability challengesThe massive demand from Millennials & Gen Z buyersWhat “normal appreciation” really looks like (and why it matters)How loan officers can use this data to win more businessWhy positivity and education are your biggest competitive advantagesLOAN 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.comSee 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.

There’s a quiet battle happening behind the scenes in real estate and mortgages—and it all comes down to who controls the lead.In this episode of Today in Mortgages, we break down the growing tension between platforms like Zillow and Compass, and what their fight reveals about the future of mortgage lead distribution, MLS access, and vertical integration.Rich Jefferson joins us in the studio to talk about:Why big real estate and mortgage platforms want full control of the buyer journeyHow “ecosystems” quietly limit consumer choiceWhat vertical integration really means for borrowers, agents, and loan officersWhy relationships—not tech—are still the differentiatorHow AI will change the industry without replacing the best professionalsThis is a must‑watch for loan officers, real estate agents, and industry leaders who care about protecting the consumer experience while preparing for the next cycle of change.👇 Thinking about your future in this industry?Network Funding is intentionally building tech around our mission—not the other way around.🔗 Learn more: you.nflp.comLegal Disclaimer:Mortgages are produced by Network Funding, LP, Equal Housing Lender, NMLS 2297. This content is for commentary purposes only and does not constitute mortgage advice or a commitment to lend. Visit nflp.com/licenses for full disclosures.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.

One in 10 mortgages today is non‑qualified — and if that headline made you think of 2008, you’re not alone.In this episode of Today in Mortgages, Michael David sits down with industry veteran Rich Jefferson to break down what non‑QM loans actually are, why they’re growing, and why today’s non‑qualified mortgages are very different from the risky loans of the past.We cover:✅ What “non‑qualified mortgage” really means✅ Why self‑employed, 1099, and gig‑economy borrowers are driving growth✅ How today’s non‑QM borrowers are high‑credit, high‑down‑payment clients✅ Why this is an opportunity — not a risk — for loan officers✅ How DSCR loans are helping real estate investors qualify without W‑2sIf you’re a loan officer, mortgage professional, or real estate agent, this episode will help you stop turning away good borrowers and start closing more deals in today’s market.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.comLegal 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.

How do you stand out in a tough mortgage market when everyone has access to the same tools, CRMs, and AI? In this episode of Today in Mortgages, Michael David and Rich Jefferson break down what actually separates top-performing loan officers and real estate professionals from everyone else.Rich shares eye-opening insights about client retention, why 80% satisfaction doesn’t translate into repeat business, and how real relationship-building—not automation—creates long-term growth and referrals.Key topics covered:Why most loan officers lose repeat business after closingThe difference between CRM “touches” and real human connectionPractical ways to stay top-of-mind without sales agendasHow AI should support your business—not replace youWhy depth of relationship beats frequency of contactLegal 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.#TodayInMortgages #LoanOfficerLife #MortgageBusiness #RealEstateCareersSee 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 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.