Market Shares With Tony Blodgett

A major shift could be coming to the Federal Reserve - and the impact on mortgage rates, inflation, housing, and the economy could be massive.In this episode of Market Shares, I break down Jerome Powell’s departure, incoming Fed Chairman Kevin Warsh, and how this new era at the Fed could completely change monetary policy moving forward.From quantitative easing and the Fed’s massive balance sheet to rate cuts, inflation, oil prices, Fed transparency, and political independence - I explain what’s really happening behind the scenes and what it could mean for mortgage and real estate markets in 2026 and beyond.📌 Topics We Cover:Jerome Powell stepping down as Fed ChairmanKevin Warsh’s vision for the Federal ReserveMortgage rates and the future of housingQuantitative easing (QE) vs quantitative tightening (QT)The Fed’s balance sheet and market influenceInflation, oil prices, and economic weaknessWill the Fed cut rates in 2026?Fed communication and market volatilityPolitical pressure and Fed independenceHow monetary policy impacts real estate and investing🎙 Listen now to understand what a new Fed era could mean for mortgage rates, inflation, and the housing market - and how to stay ahead of the shift.🔔 Don’t miss out! Subscribe and stay ahead of the game with Market Shares.📌 New episodes drop every Friday at 10 AM PT!

The 2026 housing market isn’t slowing down - it’s shifting.In this episode of Market Shares, I break down what’s really driving today’s market - from mortgage rate volatility and new credit scoring changes to where investors are still finding opportunities.I dig into the rollout of VantageScore and FICO 10-T, and why the idea of using rent to qualify may not help as many buyers as expected. Plus, what rising rates, global events, and oil prices mean for affordability - and your strategy moving forward.Topics I Cover:FHFA announcement: VantageScore vs FICO 10-T rolloutWill rent payments really help buyers qualify? (major flaws explained)Why most landlords don’t report rent - and why that mattersHow to strategically position borrowers in the new credit environmentThe “tale of two markets”: luxury vs first-time buyersWhere real opportunities exist right now (investors, non-QM, reverse)Mortgage rate volatility: what changed in 2026Should you lock your rate right now?How global events (oil, war, inflation) are driving ratesUAE leaving OPEC: what it means for oil, rates, and volatilityWhy the market outlook is still uncertain - and what to watch next👉 Watch to see where the deals are now - and how to stay competitive in today’s market.🔔 Don’t miss out! Subscribe and stay ahead of the game with Market Shares.📌 New episodes drop every Friday at 10 AM PT!

Where are the real opportunities in today’s housing market?In this episode of Market Shares, I sit down with real estate expert Anton Stetner to break down exactly where smart investors are putting money in 2026 - and what’s changing across housing, multifamily, and commercial real estate.From ADUs and house hacking to fix-and-flip shifts, middle housing challenges, and emerging opportunities like lot splitting, this episode is a deep dive into what’s actually working right now.We also unpack the bigger macro picture - including supply shortages, interest rates, new legislation, and why today’s market may just be a temporary pause before the next wave. ⏱️ Topics We CoverWhere the best real estate investment opportunities are in 2026Why ADUs, DADUs & house hacking are exploding right nowMiddle housing challenges (and why deals aren’t penciling)The new lot splitting opportunity investors are watchingFix & flip in today’s market (and why only pros are winning)Housing supply shortage and “forced appreciation”Why builders and developers are slowing downThe coming rental shortage (2026–2027 outlook)Multifamily investing challenges (4–20 unit “no man’s land”)Commercial real estate trends: winners vs. struggling sectorsImpact of legislation, zoning, and affordability challengesInterest rates, economic uncertainty, and market timingWhy this market could be a temporary “blip”How to position yourself for the next real estate cycle👉 Watch now to see where the real opportunities are showing up in today’s market.🔔 Don’t miss out! Subscribe and stay ahead of the game with Market Shares.📌 New episodes drop every Friday at 10 AM PT!

What happens when two market experts sit down with no agenda? A real, unfiltered breakdown of what’s actually happening in today’s housing market.In this episode of Market Shares, Anton Stetner and I connect the dots between interest rates, housing trends, tax policy, and migration patterns - and how it’s all impacting real estate right now.From a transaction slowdown nationwide to major policy shifts like Washington’s new tax laws, the ripple effects are already showing up in affordability, inventory, and even where people are choosing to live. 📌 Topics We CoverInterest rates & what’s driving today’s marketNational housing slowdown & “transaction recession”Seattle & Puget Sound market breakdownInventory growth, flat pricing & buyer opportunitiesWashington’s “millionaires tax” explainedCapital flight & migration trends across the U.S.Impact on tech workers, RSUs & small business ownersStacked taxes: REET, capital gains, estate & property taxesAffordability crisis & why millennials/Gen Z are leavingSurge in luxury listings & high-income relocation trendsHow policy impacts real estate demand & supplyOpportunities for agents & loan officers targeting relocation👉 Listen now for deeper insights and strategy into how this shift is creating both challenges and massive opportunities.🔔 Don’t miss out! Subscribe and stay ahead of the game with Market Shares.📌 New episodes drop every Friday at 10 AM PT!

Mortgage rates don’t move in a straight line - and the reasons why are more complex than most headlines suggest.In this episode of Market Shares, I break down why rates remain elevated even when parts of the market improve. From volatility in mortgage-backed securities (MBS) to inflation, oil prices, jobs data, and lender risk, I unpack what’s really driving today’s rate environment.You’ll also learn why rates spike quickly but fall slowly - and why stability in the market matters more than short-term improvements.🔍 Topics I CoverWhy mortgage rates stay elevated despite market improvementsThe impact of volatility on rate movementMortgage-backed securities (MBS) and pricing behaviorWhy rates rise faster than they fallLender risk, hedging costs, and spread wideningOil prices, inflation, and jobs data influenceJobs data (JOLTS & BLS) and labor market signalsWhy stability drives rate relief - not headlinesWhat could trigger lower rates aheadHow economic shifts could impact housing demand and timing 🎙 Watch now to understand what’s really driving mortgage rates - and how to navigate volatility, timing, and opportunity in today’s shifting housing market.🔔 Don’t miss out! Subscribe and stay ahead of the game with Market Shares.📌 New episodes drop every Friday at 10 AM PT!

First-time homebuyers aren’t just waiting longer… they’re thinking differently.In this episode of Market Shares, I sit down with FirstHome IQ's Kristin Messerli to unpack the massive shift happening with Millennials and Gen Z - and what it means for loan officers and real estate professionals.From financial literacy gaps and outdated assumptions to a shocking rise in AI-driven research, today’s buyers are more informed, more overwhelmed, and more skeptical than ever before. We dive into how education, authenticity, and advocacy are becoming the new competitive edge in today’s market - and why the old way of doing business just isn’t working anymore.If you want to attract more clients, build a stronger brand, and stay relevant in a rapidly changing industry… this is a must-watch.📌 Topics We Cover:Why first-time homebuyers are waiting longer (beyond affordability)The biggest myths about down payments & buying a homeWhy Millennials & Gen Z trust AI tools more than professionalsHow buyer behavior has changed (and what that means for you)The new way to build trust with modern homebuyersEducation-based marketing & community-driven lead generationHow to use social media and video to grow your brandTurning your “why” into a powerful business strategyThe role of advocacy in shaping the future of housingHow loan officers can influence policy (without being political)Simple ways to stand out in a crowded mortgage market🎙 Watch now to learn how to adapt, build trust, and win with today’s next-gen homebuyer.🔔 Don’t miss out! Subscribe and stay ahead of the game with Market Shares.📌 New episodes drop every Friday at 10 AM PT!

Mortgage rates just made a major move - and it’s not just about the Fed anymore.In this episode of Market Shares, I break down what’s really driving today’s volatility - from a hawkish Federal Reserve to rising oil prices and escalating tensions involving Iran.💡 The big shift: Mortgage rates are no longer reacting to just economic data - they’re reacting to global headlines in real time. From Jerome Powell downplaying weak jobs data, to the critical role of the Strait of Hormuz in global oil supply, this episode connects the dots between geopolitics, inflation, and the housing market.📉 But here’s the opportunity: If oil stabilizes and tensions ease, rates could correct quickly - bringing refinance opportunities back into play.⏱ Topics CoveredFederal Reserve update & hawkish shift explainedJerome Powell on jobs, inflation & policy directionWhy weak job data isn’t moving markets like beforeOil prices as the #1 driver of mortgage rates Iran conflict & global economic uncertaintyWhy the Strait of Hormuz is critical to marketsHow oil & 10-year Treasury yields are moving togetherWhy mortgage rates are reacting to headlines (not just data)Inflation pressures from tariffs & energy pricesRefinance strategy: timing the next rate dropMortgage rate spreads & why rates aren’t even higherSpring housing market strength & buyer demand trendsWhat needs to happen for rates to fall again🎙 Understanding these shifts is critical to staying ahead of the market.🔔 Don’t miss out! Subscribe and stay ahead of the game with Market Shares.📌 New episodes drop every Friday at 10 AM PT!

Two major housing executive orders just dropped - and they could shake up mortgages, home construction, and the real estate market like never before.In this full episode of Market Shares, I break down all the latest housing-focused executive orders from President Trump. From increasing inventory to expanding credit, I explain what these policies really mean for lenders, homebuyers, and the overall real estate market.I cover everything: regulatory changes speeding up home construction, innovative building methods like 3D-printed homes, the rapid growth of Non-QM loans, efforts to bring local banks back into mortgage lending, and the potential risks - including lessons from the 2008 financial crisis. I dig into the real implications for mortgage rates, housing inventory, and your next move in the market.📌 Topics I Cover:March 13 Housing Executive Orders ExplainedRemoving Regulatory Barriers & Permitting DelaysZoning Changes, ADUs & Middle Housing NationwideInnovative Construction Methods: Factory-Built & 3D-Printed HomesExpanding Mortgage Credit Access: QM vs Non-QM LoansGrowth of Non-QM Lending & Potential Market ShiftsFannie Mae & Freddie Mac: MBS Purchases & LiquidityLocal & Regional Banks Returning to Mortgage LendingCompetition & Impact on Independent Mortgage BanksRisks of Loosening Mortgage Guidelines & Lessons from 2008Interest Rate Trends, Oil Prices & Fed Policy UpdatesSpring Housing Market Outlook & Homebuyer Demand🎙 This episode is a must-listen if you want to know how these policies could affect lending, buying, and building homes nationwide.🔔 Don’t miss out! Subscribe and stay ahead of the game with Market Shares.📌 New episodes drop every Friday at 10 AM PT!

Think the housing shortage is over? Not so fast. Headlines are shouting about rising inventory, but the real story is much more complicated. In this episode of Market Shares, I break down surprising data from HousingWire and explain why so many markets are still facing shortages.From the pandemic-era Great Migration to today’s “Great Stay”, we look at why some states are overflowing with inventory while others are still running out of homes. Affordability, slow hiring, and migration patterns are all keeping the market stuck - and understanding the local details can give mortgage pros, realtors, and investors a major edge.Topics We CoverWhy national headlines on housing inventory can be misleadingYear-over-year vs. pre-COVID (2019) housing levelsStates with the biggest shortages and where inventory is growingPandemic migration trends and “The Great Stay” phenomenonHow affordability and employment are affecting housing movementWhy real estate is hyper-local and why that mattersActionable insights for loan officers, realtors, and investors🎙 Cut through the headlines and see the real picture of the U.S. housing market!🔔 Don’t miss out! Subscribe and stay ahead of the game with Market Shares.📌 New episodes drop every Friday at 10 AM PT!

Global events are shaking up mortgage rates and the spring housing market. Geopolitical tensions in the Middle East, disruptions in oil supply, and rising inflation could reverse the recent downward trend in rates - fast.In this episode of Market Shares, I explain why the Strait of Hormuz matters, how oil prices drive inflation and rates, and why the next 72 hours are critical for markets. I also break down key moves in MBS coupon pricing and what that means for borrowers, lenders, and builders.Topics We Cover:How Middle East conflicts impact mortgage rates and housingThe critical role of the Strait of Hormuz in global oil supplyWhy oil prices can override typical “flight to safety” market behaviorBest- and worst-case scenarios for interest rates after geopolitical eventsHow short-term vs prolonged conflicts influence inflation and the Fed’s actionsWhat happens in the MBS market, including shifts in coupons and rate sheet opportunitiesThe macro connection: oil, inflation, and mortgage rate movementHistorical lessons from Desert Storm and other black swan eventsPractical takeaways for loan officers, real estate pros, and housing market watchers🎙 Understanding these global forces is essential to stay ahead!🔔 Don’t miss out! Subscribe and stay ahead of the game with Market Shares.📌 New episodes drop every Friday at 10 AM PT!

Are you really getting the best mortgage rate — or just the lowest number you see online?In this full episode of Market Shares, I expose the truth about par rates, adjustable rate mortgages (ARMs), and online rate quotes. With so much information available today, it’s easy to assume you’re getting the best deal — but the reality is often more complicated.I break down strategies for borrowers and loan officers alike - showing how to maximize savings, make smarter rate decisions, and present clients with the best options in 2026.🔎 Topics We Cover in This EpisodeWhy those “lowest rates online” aren’t always what they seemHow par rates and discount points actually work (and why it matters)When a 5- or 7-year ARM might make more sense than a 30-year fixedSmart strategies loan officers can use to show clients better optionsHow to calculate break-even on points and ARM pricingUnderstanding the rate stack and mortgage-backed securities (without the headache)Ways to help clients save money while building trustHow to go from just quoting rates to becoming a true mortgage advisor 🎙 Watch the full episode for actionable strategies to save thousands and navigate today’s mortgage market like a pro.🔔 Don’t miss out! Subscribe and stay ahead of the game with Market Shares.📌 New episodes drop every Friday at 10 AM PT!

You set your 2026 mortgage goals. You built the business plan. You said this was your year.... so why isn’t production happening?In this episode of Market Shares, Dan Keller and I break down exactly what top-producing loan officers do to get back on track fast. We talk about how to turn your big income goals into daily, weekly, and monthly actions, how to generate leads from your database and sphere, and how to build a 100% referral-based mortgage business that keeps producing.No fluff. No motivation speeches. Just the process, urgency, and strategy that separates top producers from everyone else. If January didn’t go your way, this episode is your mid-Q1 reset — because your goals aren’t going to hit themselves.🔎 Topics We CoverMortgage business plan check-in for 2026Why most loan officers fall off track after JanuaryOutcome goals vs. process goals (and how to reverse engineer $300K+)The monthly dashboard method for tracking units & incomeThe “Win 10 out of 12” strategyWhy activity today shows up 60–90 days laterWhat to do after a bad monthThe 20x20 (and 20x13) database calling strategyWhat to say to past clients (scripts included)How to uncover cash-out refinance opportunitiesBuilding a 100% referral-based mortgage practiceWhy “I don’t know what to say” is the biggest excuse in salesThe urgency shift that separates top producers from stuck LOs👉 If you’re serious about growing your mortgage business in 2026, this is your blueprint.🔔 Don’t miss out! Subscribe and stay ahead of the game with Market Shares.📌 New episodes drop every Friday at 10 AM PT!

A lot is moving in the mortgage industry right now — and this episode breaks down the biggest stories you need to know.From rising credit report costs and potential underwriting changes, to major federal housing reform, rate forecasts that could trigger pent-up buyer demand, a spike in refinance activity, and the growing senior housing conversation — this is your quick monthly pulse check on what’s happening across the industry.This episode is about staying informed, staying positioned, and understanding where the industry momentum may be building next.🎯 Topics We CoverCredit report cost increases and single bureau proposalsHousing for the 21st Century ActManufactured & affordable housing reform Mortgage rate trends and pent-up demandRefinance application surgeSenior housing shortagesReverse mortgage opportunitiesWhat mortgage professionals should be watching now👉 This episode gives you a quick, actionable pulse check so you can stay informed and positioned for what’s next.🔔 Don’t miss out! Subscribe and stay ahead of the game with Market Shares.📌 New episodes drop every Friday at 10 AM PT!

Social media isn’t just content—it’s your reputation.In this episode, I break down how posts, comments, likes, and even “neutral” engagement can quietly cost professionals clients, credibility, or their job—especially in mortgage and real estate.From permanent digital footprints and algorithm amplification to compliance risk, AI-driven research, and context collapse, this episode explains why social media must be treated as a professional platform in 2026.If your business depends on trust and referrals, this is a conversation you can’t afford to ignore.🧠 Topics We CoverWhy social media is both a growth tool and a credibility riskHow permanent posts, screenshots, likes, and comments really areWhy controversial content quietly alienates future clientsSocial media compliance risks in mortgage and real estateHow algorithms reward emotion over professionalismWhy “no one sees my posts” is a dangerous mythHow clients, employers, and AI tools research you onlineWhat context collapse is—and why it catches professionals off guardWhen personality helps your brand (and when it hurts it)Practical guardrails for protecting your reputation in 2026👉 This episode is packed with insights you won’t get anywhere else!🔔 Don’t miss out! Subscribe and stay ahead of the game with Market Shares.📌 New episodes drop every Friday at 10 AM PT!

What does it really take to succeed as a loan officer in the next five years?I sit down with Dustin Owen, founder of The Loan Officer Podcast (TLOP), to break down the fundamentals that matter most: sales skills, relationships, mindset, money, AI, and career strategy.Dustin shares lessons from his CMB journey, how content opened doors beyond production, and why fundamentals beat tech hype. We also cover referrals, market lessons, and why ethical career advising may reshape mortgage careers.Whether you’re producing loans, leading a team, or planning your next career move, this episode gives a clear, practical roadmap to stay relevant, profitable, and ahead of the curve.🧠 Topics We CoverDustin Owen’s journey & The Loan Officer Podcast (TLOP)Why the Certified Mortgage Banker (CMB) mattersMoving from production to coaching & content influenceSales skills, relationships, and referral-based businessAI, technology, and staying “robot-proof” in 2026Psychology of money & lessons from past market crashesEthical career advising vs traditional recruitingBuilding long-term wealth, mindset, and career leverage👉 This episode is packed with insights you won’t get anywhere else!🔔 Don’t miss out! Subscribe and stay ahead of the game with Market Shares.📌 New episodes drop every Friday at 10 AM PT!

Is 2026 shaping up for lower mortgage rates… or major unintended consequences?In this episode, I break down the biggest policy moves and market signals shaping the next housing cycle — from the Trump administration’s proposed $200B purchase of mortgage-backed securities to the investigation into Fed Chair Jerome Powell, new ideas around using 401(k) and 529 funds for homebuying, and the controversial push to cap credit card interest rates at 10%.I explore how these moves could impact mortgage rates, affordability, inventory, consumer spending, and economic growth — and why markets are already pricing in volatility, opportunity, and risk.🧠 Topics We Cover:Trump’s $200B mortgage bond (MBS) plan and its impact on ratesHow this compares to COVID-era quantitative easingWhat the market is already pricing in for 2026The Jerome Powell investigation and Fed independence concernsUsing 401(k) and 529 funds to boost homeownershipInstitutional investors, inventory, and housing supply dynamicsThe proposed 10% credit card rate cap and its economic risksHow credit access, consumer spending, and GDP are connectedWhat falling rates could mean for buyers, refis, and home pricesWhy policy decisions often create unintended ripple effects👉 This episode connects the dots between politics, policy, and the bond market.🔔 Don’t miss out! Subscribe and stay ahead of the game with Market Shares.📌 New episodes drop every Friday at 10 AM PT!

Is the housing market really frozen by low-rate homeowners - or is that just a headline myth?In this episode of Market Shares, I break down the data behind the so-called “lock-in effect” and reveal what’s actually driving buyer and seller behavior heading into 2026. From interest rates and inventory to equity, credit, and housing mobility, you’ll get a clear, data-backed view of where the market is going and how to position yourself ahead of the next shift.If you’re in mortgage or real estate and want a smarter outlook on the 2026 housing market, this episode is a must-watch.🧠 Topics We Cover:Is the mortgage lock-in effect real or overstated in today’s housing market?What current mortgage rate distribution (3%, 6%, 7%+) reveals about homeowner behaviorWhy homeowners are still buying and selling despite previously low interest ratesHow home equity, credit scores, and the “cash cushion” are fueling housing mobilityThe impact of rising insurance costs, property taxes, and lifestyle moves on transactionsInventory levels, foreclosure trends, and how today compares to historical normsWhat these housing market trends mean for buyers, sellers, and mortgage professionals in 2026👉 This episode breaks down the data, trends, and strategies you need for 2026.🔔 Don’t miss out! Subscribe and stay ahead of the game with Market Shares.📌 New episodes drop every Friday at 10 AM PT!

2026 housing and mortgage trends are shaping up differently than most people expect.In this episode of Market Shares, I break down what loan officers and real estate professionals need to know for 2026: where rates are headed, why inventory is finally near normal, how spreads and the labor market are impacting affordability, and why Non-QM lending is becoming a must-know strategy. I also dive into income growth, equity, and refinance opportunities—and share why mindset and performance matter just as much as the numbers.This episode cuts through the hype and shows what’s really happening in the housing market, and how you can position yourself to win.🧠 Topics We CoverRealistic 2026 housing market forecast and trendsInterest rate predictions, mortgage spreads, and the “5-handle” effectInventory returning to historical norms and what it means for buyersLabor market, bond market, and recession risk insightsAffordability, rising income, and homeowner equity driving opportunityStrategic refinance and cash-out opportunities for loan officersWhy Non-QM lending is growing and how to leverage itHow mindset, habits, and personal growth impact performanceOpportunities for loan officers to increase production in 2026👉 If you want actionable insights, realistic forecasts, and strategies to win this year, this episode is for you.🔔 Don’t miss out! Subscribe and stay ahead of the game with Market Shares.📌 New episodes drop every Friday at 10 AM PT!

Dual licensing is shaking up real estate—but it’s not what most people think.In this episode of Market Shares, Loan Agent Kathy Helbig-Strick and I break down why more agents are getting their mortgage license, how FHA rules cleared the path, and why transparency and compliance make this model safer—not riskier. We also unpack what the NAR lawsuit really means for commissions, buyer agreements, and agent dynamics.Learn how dual licensing protects clients, prevents blown deals, and builds stronger agent–lender partnerships—without doing two full-time jobs. Whether you’re curious or skeptical, this is the real story behind the trend.🧠 Topics We CoverReal-world impact of the NAR settlement on commissions and buyer agreementsHow commission transparency is changing agent dynamicsWhy most sellers are still paying buyer agent commissionsWhy dual licensing is gaining momentum for real estate agentsHow mortgage licensing builds agent knowledge and confidenceCompliance, disclosure, and the FHA rules that cleared the pathReducing deal fallout, missed deadlines, and client riskBuilding stronger, transparent agent–lender partnershipsSmall thinking vs. abundance thinking in growing referral networksHow education, structure, and accountability drive success in dual licensing👉 This conversation cuts through the myths and shows why transparency, compliance, and partnerships matter more than ever.🔔 Don’t miss out! Subscribe and stay ahead of the game with Market Shares.📌 New episodes drop every Friday at 10 AM PT!

In this episode, I break down everything mortgage professionals need to know heading into 2026. From a full recap of 2025 market trends to what’s next for rates, refinancing, and strategic growth, this episode covers it all. Learn why mortgage rates track oil prices, how a soft labor market and moderate inflation could keep rates in the high 5% range, and the opportunities lurking in refinance and non-QM loans. I also share practical advice on dialing in your database, executing strategic refinances, and building stronger referral networks to stay competitive in a challenging market.🧠 Topics We Cover• 2025 housing, mortgage, and economic market recap• 2026 mortgage rate forecast and trends• How oil prices and labor market data influence rates• Inflation and economic signals to watch• Capturing refinance opportunities beyond rate drops• Non-QM loans, bank statement loans, and asset depletion programs• Database management, strategic planning, and strike rates for borrowers• Building and nurturing referral networks in a low-volume market• Actionable strategies for mortgage professionals to start 2026 strong👉 This episode gives actionable insights and strategies to finish 2025 strong and start 2026 ahead.🔔 Don’t miss out! Subscribe and stay ahead of the game with Market Shares.📌 New episodes drop every Friday at 10 AM PT!

In this episode, I break down why the latest Fed rate cut actually improved mortgage rates and what made this one different. We dig into market expectations, Treasury purchases, and how these moves felt a lot like quiet quantitative easing.We also examine AI as a real economic force: massive investment is boosting productivity and GDP, but not necessarily jobs, challenging assumptions about growth, employment, and household stability.Plus, I share a real-world AI story that exposed the risks of overconfidence, shallow sourcing, and blindly trusting AI tools. A reminder that logic, verification, and human judgment still matter.🧠 Topics We Cover in This EpisodeWhy this Fed rate cut improved mortgage rates when others didn’tHow market expectations and “priced-in” decisions workTreasury purchases and quiet quantitative easingLabor market weakness and missing economic dataAI infrastructure, productivity gains, and their impact on jobsHow AI challenges traditional economic assumptionsReal-world examples of AI overconfidence and errorsUsing AI smarter with verification, logic, and multiple sources👉 This episode is full of smarter insights on rates, jobs, and the forces shaping the economy.🔔 Don’t miss out! Subscribe and stay ahead of the game with Market Shares.📌 New episodes drop every Friday at 10 AM PT!

Are you ready to take your mortgage career to the next level? In this full Market Shares episode, Tony Blodgett sits down LIVE from Lake Union in Seattle with Bill Hart and Richard Milligan, two of the top minds in mortgage coaching, leadership, and strategy.From breaking free of burnout to mastering AI, digital influence, and database dominance, this episode is your roadmap to growing your team, building long-term client relationships, and future-proofing your business.Learn how to:Use coaching to level up performance in a remote, fast-changing mortgage worldRecruit top talent and lead like a market-winning branch managerTransform your database into a market-proof powerhouseConnect emotionally and strategically with clients and recruitsBuild a magnetic digital presence to grow your pipelineLeverage AI to scale operations, content, and outreachBreak the “hamster wheel” of daily grind and elevate your impactCommit to continuous growth and become your future best self🔥 This episode is full of practical strategies, mindset shifts, and real-life examples that can change the trajectory of your career in 2026.🔔 Don’t miss out! Subscribe and stay ahead of the game with Market Shares.📌 New episodes drop every Friday at 10 AM PT!

What’s really driving mortgage rates today — and where are they headed in 2026? In today's full episode of Market Shares, Tony Blodgett sits down with New American Funding CIO Jason Obradovich for an insider’s look at capital markets, Fed policy, and the booming non-QM market.From lessons learned during the dot-com bust and 2008 financial crisis to decoding Treasury spreads, rate swings, and investor trends, Jason breaks down what loan officers and homebuyers need to know to stay ahead of the market.Whether you’re trying to predict rates, navigate the Fed’s moves, or understand the booming non-QM market, this episode gives you the insights you can’t afford to miss.📝 Topics We Cover:Jason Obradovich’s 30-year mortgage journey & capital markets insightsHow the Fed’s QT pause and rate expectations impact mortgage ratesUnderstanding 10-year Treasury spreads & their effect on home loansWhy non-QM is booming and what it means for 2026Separating fact from fiction: subprime vs today’s non-QM marketMortgage market risks: inflation, liquidity, recessions, and lessons from COVIDPredictions for mortgage rates in 2026 and what borrowers & LOs should expect🔔 Don’t miss out! Subscribe and stay ahead of the game with Market Shares.📌 New episodes drop every Friday at 10 AM PT!

The mortgage world is buzzing with headlines about 50-year mortgages, portable loans, and housing affordability—but what’s real, and what’s hype? In today's episode of Market Shares, Tony Blodgett breaks down the viral ideas, the math, and the market realities - giving you a clear, no-nonsense view of today’s housing finance landscape.From why a 50-year mortgage likely won’t happen, to the portability ideas that sound amazing but aren’t feasible in the U.S., to the real winners and losers in affordability debates - Tony’s decades of experience cuts through the confusion.If you’re a lender, real estate pro, or homeowner curious about what’s next in mortgages, this episode is essential listening.🧩 Topics We Cover:The viral 50-year mortgage debate and why it likely won’t happenThe real math: 30-year vs 50-year loans and interest rate impactPortable mortgages: why they work abroad but not in the U.S.Investor, MBS, and legal/logistical hurdles for portabilityHousing affordability realities vs headline hypeWho benefits—and who doesn’t—from these mortgage innovationsPractical advice for lenders, real estate pros, and homeowners🔔 Don’t miss out! Subscribe and stay ahead of the game with Market Shares.📌 New episodes drop every Friday at 10 AM PT!

The real estate market is changing—fast. In today's Market Shares episode, Tony Blodgett dives into the latest 2025 NAR Home Buyer & Seller Survey and breaks down the key trends, shifting demographics, and opportunities that every real estate agent and mortgage professional needs to know.From the collapse of first-time homebuyers to the rise of older move-up buyers, median buyer age now at 59, and the dominance of referrals and repeat clients, this episode is packed with actionable insights to help you adapt your strategy, capture the right buyers, and grow your business in today’s market.Even first-time buyers will learn why it might be the right time to act, how down payment options have changed, and why homeownership remains one of the best long-term investments.📊 Topics We CoverShifting buyer demographics and what it means for your businessThe collapse of first-time homebuyers and why the average age is now 40+ Move-up and downsizing buyers: 45% of the market is ages 55–74Buyer motivations: “right time to buy” vs. affordabilityMedian home tenure is 11 years—opportunities for refinance and cash-out loansHow referrals and repeat clients still generate 66% of businessWhy social media, open houses, and direct mail rarely drive new clientsCash purchases, down payment trends, and investment insightsActionable tips for agents and loan officers to align with today’s market🔔 Don’t miss out! Subscribe and stay ahead of the game with Market Shares.📌 New episodes drop every Friday at 10 AM PT!

In this episode of Market Shares, Tony Blodgett pulls back the curtain on loan-level price adjustments (LLPAs) and why they’re silently driving up mortgage costs for buyers, investors, and even cash-out refinancers.From second homes and investment properties to cash-out refinances, Tony walks through the numbers that most people don’t see—and how even a good credit score or decent down payment can still trigger thousands of dollars in hidden fees.We also dive into why Fed rate cuts haven’t lowered mortgage rates, the surprising profits of Fannie Mae and Freddie Mac, and how Barry Habib is working with the FHFA to push for much-needed relief. Whether you’re a homebuyer, real estate agent, or loan officer, this episode will give you the clarity you need to understand mortgage pricing today—and what could change soon.📌 Topics We CoverHow LLPAs are calculated: FICO score, down payment, and property typeReal examples of the cost impact on borrowers: second homes, investment properties, and cash-out refinancesHow LLPAs can make certain loans almost impossible to offerWhy interest rates vary widely even between similar borrowersFannie Mae and Freddie Mac profits vs. the justification for high LLPAsBarry Habib’s role in influencing FHFA discussions on LLPA reformEarly signs of relief for non-owner occupied properties and cash-out refinancesHow LLPA adjustments affect homebuyers’ finances and potential homeownership opportunities🏡 Want to advise clients like a pro? Discover how LLPAs, credit, and property type affect pricing—and how to navigate the system.🔔 Don’t miss out! Subscribe and stay ahead of the game with Market Shares.📌 New episodes drop every Friday at 10 AM PT!

In this jam-packed episode, Tony Blodgett breaks down the latest mortgage market insights, from a flat and uncertain housing market to major industry news. Get the scoop on the Optimal Blue lawsuit, the rise of VantageScore vs. FICO, and how the ongoing government shutdown and economic indicators are impacting rates. Plus, learn why your database is your biggest asset and how top loan officers are leveraging relationships to thrive, even in slow markets.Whether you’re a loan officer, real estate professional, or just curious about the mortgage world, this episode gives actionable insights to stay ahead, stay proactive, and create your own momentum in any market.🧩 Topics We CoverWhy the mortgage market feels flat and uncertainThe Mendex vs. Optimal Blue lawsuit and what it means for lendersUpdates on VantageScore and competition with FICOGovernment shutdown, weak jobs data, and interest rate outlookHow top loan officers stay relational and proactive with their databaseStrategies to create momentum and grow your business in any market🏠 Discover the latest mortgage market secrets, from rates and lawsuits to VantageScore insights, and learn how top loan officers leverage relationships and strategy to stay ahead.🔔 Don’t miss out! Subscribe and stay ahead of the game with Market Shares.📌 New episodes drop every Friday at 10 AM PT!

Ever wondered how top loan officers close more deals and turn online leads into loyal clients? In this all-in-one episode of Market Shares, Tony Blodgett sits down with Chad Church, SVP of NAF Leads, to reveal the inner workings of mortgage lead generation, call centers, retail operations, and the strategies that make New American Funding a standout in the industry.From mastering refinance opportunities to understanding client psychology, building local relationships, and selling smarter with visual, auditory, and kinesthetic techniques, this episode is packed with actionable insights for any mortgage professional looking to boost conversions and retention.Topics We Cover:Behind-the-scenes of mortgage call centers and lead distributionHow consumer direct and retail loan officers work togetherCapturing cash-out and rate-and-term refinance opportunitiesPivoting call centers to purchase-focused leads and NAF HomesPartnering with realtors while maintaining client trustLocal Buyer Connect: doubling conversion through relationshipsSales fundamentals: mindset, listening, asking for the transaction, and closing deals Identifying visual, auditory, and kinesthetic clients for better communicationUsing CRMs, texts, emails, and in-person strategies to future-proof your businessUnderstanding consumer behavior and online lead trends🏠 Unlock the strategies, relationships, and tools that top loan officers use to grow their business—this episode is your ultimate guide to mortgage lead success.🔔 Don’t miss out! Subscribe and stay ahead of the game with Market Shares.📌 New episodes drop every Friday at 10 AM PT!

Overwhelmed by endless tasks, open loops, and scattered thoughts? In this episode of Market Shares, host Tony Blodgett dives deep into David Allen’s Getting Things Done (GTD) method and shares the principles that transformed his productivity, mindset, and business success.From creating a reliable workflow to mastering mental clarity, Tony walks through everything you need to capture, clarify, and organize your tasks, while applying life-changing concepts like Mind Like Water, the T2-Minute Rule, and the Weekly Review. Whether you’re juggling projects, calls, errands, or emails, this episode gives you practical tools to stay focused, reduce stress, and take action in the right context.If you’ve ever struggled with procrastination, mental clutter, or staying organized — this episode is your blueprint to working smarter, gaining control, and achieving mental freedom.🧠 Topics We Cover:How GTD helps creative thinkers stay focused and organizedThe concept of open loops and how they drain mental energyBuilding an external system to capture tasks, commitments, and projectsDifferentiating projects vs. next actions and organizing tasks by context (office, phone, computer, errands)How to implement the 2-Minute Rule to stop procrastination The Mind Like Water philosophy for calm, responsive productivityStructuring your Weekly Review for consistency, trust, and clarityTony’s personal takeaways and real-life examples of applying GTDHow GTD principles create mental freedom for creativity, problem-solving, and downtime🔔 Don’t miss out! Subscribe and stay ahead of the game with Market Shares.📌 New episodes drop every Friday at 10 AM PT!

In this full Market Shares episode, Tony Blodgett sits down with top-producing loan officer Dan Keller to reveal the strategies that make him irreplaceable in a competitive mortgage market.From Lunch & Learns with agents to post-closing touchpoints, database protection, and even turning competitor bots into warm leads—Dan shares a tactical playbook any loan officer can implement to grow referrals, retain clients, and dominate their market.🧭 Topics We Cover:Building relationships with Lunch & Learn eventsThe 4-part “Warm Leads Will Fix All Your Problems” seriesExposing business gaps for real estate agents & borrowersPost-closing touchpoints and 5-touch retention strategyProtecting your database from competitors and botsUsing Mortgage Coach reports & strike rates to capture refisTurning outreach into credibility, trust, and repeat business🏠 If you're a loan officer who is tired of losing clients to call centers, bots, or competitors and wants to finally turn your database into a goldmine, generate repeat business, and build unshakable trust with realtors - you need to watch this episode!🔔 Don’t miss out! Subscribe and stay ahead of the game with Market Shares.📌 New episodes drop every Friday at 10 AM PT!

In this episode of Market Shares, Tony Blodgett breaks down the real story behind the headlines. From Trump’s comments on Fannie Mae, Freddie Mac, and home builders, to rising inventory, builder incentives, and fall market trends—there’s more opportunity for buyers than you might think.We also dive into the government shutdown’s impact: delayed jobs reports, frozen flood insurance, USDA loan interruptions, and potential FHA/VA disruptions. Despite the uncertainty, mortgage rates are trending lower, and Tony explains what that means for buyers, sellers, and lenders.🗂️ Topics We Cover🏛 Trump’s comments on housing & builders🏗 Builder inventory, rate buydowns & incentives🍂 Fall housing market trends: price drops & concessions🌊 Flood insurance & USDA loan delays🧓 FHA, VA & reverse mortgage disruptions💰 Why rates may be dropping despite uncertainty🤝 How buyers, sellers & agents can navigate today’s market🏠 Get the insights you need to navigate today’s housing market with confidence, so you can make smart decisions without getting caught off guard.🔔 Don’t miss out! Subscribe and stay ahead of the game with Market Shares.📌 New episodes drop every Friday at 10 AM PT!

Q4 2025 is shaping up to be a pivotal moment in the mortgage market, and smart loan officers know that preparation now sets you up for success in 2026. In this episode of Market Shares, Tony Blodgett breaks down everything you need to know to finish the year strong: interest rate trends, refinance opportunities, database management, time management, and staying productive during the holidays.Whether you’re a mortgage professional, loan officer, or real estate partner, this episode is packed with actionable strategies to protect your clients, grow your business, and capitalize on what could be a busy, transitional market.📌 Topics We Cover:The BIG mortgage shift in Q4: interest rates, jobs reports, Fed meetings, and refinance opportunitiesHow to organize and leverage your database to stay top of mind with clientsTime management strategies to stay productive even during seasonal slowdownsMaintaining and growing relationships with referral partners and real estate agentsPlanning holiday work schedules to finish the year strong without burnoutMindset shifts and strategies to position your business for success in 2026🔔 Don’t miss out! Subscribe and stay ahead of the game with Market Shares.📌 New episodes drop every Friday at 10 AM PT!

The Fed just made a surprise “risk management” rate cut — but why are mortgage rates acting differently than expected? 🤔 In this episode of Market Shares, Tony Blodgett sits down with Dan Habib to break down the September Fed meeting, Stephen Mirren’s controversial DOTS plot, inflation vs. labor concerns, and the critical October 3rd jobs report.If you’re wondering whether mortgage rates could drop to 6% or high 5s, how labor market changes and visa policies impact the economy, and what to expect for homebuyers and refinancers, this is the analysis you need.📌 Topics We Cover:September Fed meeting recap & Powell’s press conferenceWhy mortgage rates rose despite the Fed’s 0.25% cutDOTS plot breakdown & Fed member divisionsInflation vs. labor market risks: what drives policyWeak job data, BLS revisions & the new Chicago Fed “CHURN” indicatorFed’s “risk management” cut explained & potential for 1–2 more cutsOctober 3rd jobs report: why it could move the marketMortgage spreads, long-term rate forecasts & potential 30-year rate dropsImpact of low rates on refinancing vs. new home purchasesHow immigration & labor force changes influence the Fed’s decisions🔔 Don’t miss out! Subscribe and stay ahead of the game with Market Shares.📌 New episodes drop every Friday at 10 AM PT!

Reverse mortgages are one of the most misunderstood financial tools — but for the right family, they can be life-changing.In this episode of Market Shares, Tony Blodgett sits down with reverse mortgage expert Charles Butler to explain what reverse mortgages really are, who qualifies, and how they can help seniors and their families eliminate mortgage payments, unlock home equity, and live with greater financial freedom.From busting the “bank takes your house” myth to walking through real downsizing scenarios, this episode is packed with education, strategies, and inspiring real-life stories. Whether you’re planning for retirement, helping your parents age in place, or advising clients as a financial professional, this episode is your one-stop masterclass on reverse mortgages.📌 Topics We Cover:What a reverse mortgage actually is (and isn’t)Busting myths like “the bank takes your house”Who qualifies: age, equity & income requirementsHow to eliminate your mortgage payment & free up cash flowUsing reverse mortgages for debt payoff, home updates & caregivingSetting up a growing line of credit for future needsReal-life stories of families finding freedom and peace of mindHow property taxes & insurance are handled (LESA explained)Reverse for Purchase: downsizing or “rightsizing” with no paymentWhy financial advisors & realtors are embracing this strategy🔔 Don’t miss out! Subscribe and stay ahead of the game with Market Shares.📌 New episodes drop every Friday at 10 AM PT!#ReverseMortgage #RetirementPlanning #HomeEquity #MortgageMyths #DebtFreeLiving #FinancialFreedom #MarketShares #MortgagePodcast #AgingInPlace #SeniorLiving #LoanOfficerLife #MortgageEducation #RealEstateFinance #RetirementIncome #HECM

In this full episode of Market Shares, host Tony Blodgett sits down with Amir Syed — a broke immigrant kid turned top producer, elite coach, and creator of Go Coaching & GrowthCon.Amir shares his raw journey from struggling with a 1.7 GPA to building a multimillion-dollar business, leading a top-producing mortgage branch, and walking away from it all to coach loan officers full-time.This episode is loaded with powerful takeaways on mindset, sales mastery, community, and the importance of coaching if you want to thrive in today’s market. Whether you’re brand new to the mortgage industry or a seasoned pro, this conversation will challenge you to get out of isolation, level up your skills, and choose optimism — even in a tough market.📌 Topics We Cover:Amir’s immigrant story & path to becoming a top producerHow mentorship and coaching changed everythingThe first five years: what to do (and what to avoid)Beating call anxiety & overcoming rejectionThe 3 critical decisions every loan officer must makeWhy coachability is the ultimate competitive advantageThe Go Coaching framework & GrowthCon previewThe power of community, collaboration & optimism💡 If you’re ready to stop feeling stuck and start growing your production, leadership, and life, this episode shows you exactly how.🔔 Don’t miss out! Subscribe and stay ahead of the game with Market Shares.📌 New episodes drop every Friday at 10 AM PT!

🚨 One of the biggest months for interest rates is here — and the stakes couldn’t be higher.In this episode of Market Shares, host Tony Blodgett sits down with Dan Habib of MBS Highway to break down everything mortgage and real estate pros need to know about jobs data, the Fed’s September 17th meeting, and what it all means for mortgage rates, refinances, and the housing market.From Powell’s Jackson Hole comments to shocking jobs report revisions, a shake-up at the BLS, and bold predictions on where mortgage rates could land in 2025 — this episode connects all the dots so you can stay ahead of the curve.Whether you’re a mortgage professional, real estate agent, or market-watcher, this is your playbook for navigating rate cuts, housing demand, and refinance opportunities in the months ahead.📌 Topics We Cover:September 17th Fed rate cut outlook and market expectationsJobs report analysis, revisions, and unemployment trendsHow past Fed cuts impacted mortgage rates — and why this time could be differentRefinance opportunities: cash-out, debt consolidation, and “marry the house, date the rate” strategyMortgage rate forecasts and 10-year Treasury correlationsBLS shake-up, data accuracy, and implications for inflation & policyLocking strategy: when to act and how to balance riskHousing market trends and pent-up demand for purchases & refinances.🎯 Watch the full episode now and get the insights the media isn’t telling you!🔔 Don’t miss out! Subscribe and stay ahead of the game with Market Shares.📌 New episodes drop every Friday at 10 AM PT!

The mortgage and real estate world is shifting fast—and this week’s Market Shares Podcast breaks down the biggest stories shaping housing and lending right now.From the Trigger Leads Ban and the CFPB dismantling, to Fannie Mae’s latest economic forecast, Tony Blodgett unpacks what’s really happening behind the headlines—and what it means for loan officers, agents, and clients.Plus, Tony breaks down two eye-opening surveys:✅ Why Millennials & Gen Z embraced the “Marry the House, Date the Rate” mindset—and what it means for refinance demand.✅ Why 90% of buyers report stress during the homebuying process—and how loan officers and real estate agents can step up to deliver a smoother, less stressful client experience.📌 Topics Covered in This Episode:🚫 Trigger Leads Ban – status update & industry impact🏛 CFPB Shake-Up – court ruling & the rise of state regulators📊 Fannie Mae Forecast – rates, unemployment & housing outlook🏡 Marry the House, Date the Rate – generational take on refinancing😰 90% of Buyers Are Stressed – survey results & top client pain points🤝 Solutions for Loan Officers & Agents – communication, concessions & tech🔔 Don’t miss out! Subscribe and stay ahead of the game with Market Shares.📌 New episodes drop every Friday at 10 AM PT!

Accessory Dwelling Units (ADUs) are transforming residential real estate, offering new opportunities for homeowners, multi-generational families, and investors—but financing has often been a barrier.In this episode of Market Shares, Tony Blodgett breaks down the SUPPLY Act and how federally-backed second liens could make building ADUs easier. He also covers Washington state laws on middle housing and backyard cottages, showing how ADUs can increase equity, generate rental income, and create smart investment opportunities. Tony shares tips for homeowners and real estate agents on evaluating property potential, maximizing value, and investing in multi-unit or detached ADUs as the housing landscape evolves.Discover why ADUs should be on your radar when buying a home, how to work with creative lenders, and how understanding these opportunities can benefit both homeowners and real estate professionals.📌 Topics We Cover:ADUs: Detached, attached, and backyard cottagesMiddle housing and multi-unit properties (“six-pack” homes)Financing solutions: second liens, renovation loans, and creative lendingReal estate investment and income-generating opportunitiesProperty evaluation strategies for buyers, sellers, and agentsFuture trends in housing supply and neighborhood density🔔 Don’t miss out! Subscribe and stay ahead of the game with Market Shares.📌 New episodes drop every Friday at 10 AM PT!

From broke rookie to mortgage icon, bestselling author, and global speaker — Todd Duncan’s journey is proof that trust, purpose, and resilience never go out of style. In this powerful full-length Market Shares conversation with Tony Blodgett, Todd shares how one Sales Mastery invitation launched a 30-year legacy, why relationships always beat transactions, and how he’s using platforms like Fuel to impact millions worldwide — including free programs for veterans and first responders.You’ll hear untold stories of career-defining moments, behind-the-scenes lessons from building iconic brands, and deeply personal accounts of overcoming loss, betrayal, and business collapse.Whether you’re in sales, leadership, or navigating life’s toughest challenges, this episode is your blueprint for building trust, leaving a legacy, and growing through adversity.💬 Topics We CoverThe chance meeting that launched Tony’s career in 1997High Trust Selling principles that outlast any market shiftWriting timeless books that impact millionsRelationships-first selling and lifetime trust buildingThe Sales Mastery & Momentum Builder partnershipFuel: the “Netflix of Personal Growth”Giving back to veterans and first responders through free programsSilver Lining Living: finding purpose through life’s hardest seasons🔔 Don’t miss out! Subscribe and stay ahead of the game with Market Shares.📌 New episodes drop every Friday at 10 AM PT!

The Fed didn’t move, but the data did! In this week’s Market Shares episode, Tony Blodgett dives into the latest Fed meeting and the surprising August 1st BLS jobs report. With the Fed holding steady for the fifth time, growing dissent among Fed governors, and massive job revisions raising red flags, the market could be primed for a pivot toward lower interest rates.We dig into Powell’s cautious stance, dissect job creation numbers (or lack thereof), and examine what this could mean for mortgage professionals and consumers alike. Plus, Tony explains why now might be your fleeting opportunity to help refinance clients before the window closes.This episode is packed with timely analysis, strategy reminders, and actionable insights. Don’t miss it.🧠 Topics We Cover:Key takeaways from the July 30th Fed meetingJerome Powell’s “higher for longer” stanceWhy the dissenting votes matterBreakdown of the August 1st BLS jobs reportBirth/death job creation revisions and their impactMarket reaction: bonds rally, S&P dipsWhat this means for refinance opportunitiesHow to prepare your database and CRM strategyLooking ahead to inflation data and the next Fed meetingWill Powell resign? Pressure from political and economic fronts🔔 Don’t miss out! Subscribe and stay ahead of the game with Market Shares.📌 New episodes drop every Friday at 10 AM PT!

The biggest mortgage innovation in 30 years is here—and it's not just hype. The FHFA is moving Fannie Mae and Freddie Mac toward VantageScore, setting off a seismic shift in credit evaluation, loan pricing, and mortgage access across the country.Tony Blodgett unpacks how the shift to VantageScore could expand credit access, disrupt FICO’s dominance, drive underwriting changes, and start impacting the industry as early as 2025.👉 Whether you're a loan officer, mortgage exec, or just want to stay ahead of the biggest shakeup in lending since automated underwriting—this episode is your playbook.📌 Topics We Cover:VantageScore vs. FICO 10T: Key differences and industry adoption Tri-merge vs. bi-merge credit reportsCredit accessibility: Alternative data, rent, utilities, medical debtLoan Level Price Adjustments (LLPA) and risk-based pricing evolutionCredit report fee structures and market competitionTimeline: What to expect in 2025 and full rollout by 2026?How to prepare clients—and yourself—for what’s aheadContinuous learning in the face of AI and automation🔔 Don’t miss out! Subscribe and stay ahead of the game with Market Shares.📌 New episodes drop every Friday at 10 AM PT!

In this high-stakes episode of Market Shares, host Tony Blodgett dives deep into the growing firestorm surrounding Fed Chair Jerome Powell. From a criminal referral for perjury over a $2.4B renovation to relentless political pressure pushing him toward resignation, this episode unpacks the chaos unfolding at the Federal Reserve. Tony breaks down what’s driving the controversy, whether Powell will survive until the end of his 2026 term, and what a changing of the guard could mean for interest rates, the housing market, and long-term economic stability. Plus, Tony checks the Vegas odds on who might be next in line — and the implications of a more dovish Fed Chair aligned with political agendas. This is more than just Fed talk — it’s a look at how politics, markets, and media are colliding in real time. Don’t miss this one. 📌 Topics We Cover:The $2.4B Fed building renovation & perjury allegationsWill Powell resign under political pressure?Vegas odds on Powell’s replacement: Scott Bessent, Warsh, Hassett & moreWhat a dovish Fed Chair could mean for mortgage rates and the economyConcerns over Fed independence and political influenceRisks of boom-bust cycles and short-term rate manipulationTony’s take on long-term economic health vs. short-term gain🔔 Don’t miss out! Subscribe and stay ahead of the game with Market Shares.📌 New episodes drop every Friday at 10 AM PT!

Mortgage rates are still high, refi applications are slowing, and the headlines are louder than ever—but is a major shift finally on the horizon?In this latest episode of Market Shares, Tony Blodgett breaks down the latest CPI and PPI data, the Fed’s restrictive stance, and rising political pressure on Jerome Powell. With inflation cooling and job numbers weakening, is it time for the Fed to finally cut rates? And how will the political landscape—especially talk of a “shadow Fed” and Powell’s potential replacement—impact the mortgage and housing markets?Backed by expert insights from voices like Barry Habib, Tony shares his take on why rates are likely higher than they should be—and what that means for loan officers, real estate pros, and homeowners alike.📌 Topics We Cover:📊 CPI & PPI inflation reports and their real impact📉 Market trends: rising rates, slowing sales, declining refis🧑‍⚖️ Powell’s future and potential Fed replacements🔁 Is a 50–100bps rate cut overdue?🏛️ Political pressure, the “shadow Fed,” and debt servicing🏡 How Fed decisions ripple into mortgage rates and affordability🎯 Why now might finally be the turning point for rate relief🔔 Don’t miss out! Subscribe and stay ahead of the game with Market Shares.📌 New episodes drop every Friday at 10 AM PT!

In this latest episode of Market Shares, host Tony Blodgett delivers an unfiltered breakdown of what’s really happening in today’s mortgage and housing market—from the Fed’s inaction to the real-world impact of expiring 2-1 buydowns and a possible buyer’s market shift.Tony shares direct feedback from loan officers in the field, dissects Trump’s criticism of Jerome Powell, explores why move-up buyers are reentering the market despite high rates, and explains why loan officers must lean in—not disappear—when clients need financial clarity the most.Whether you're a loan officer, realtor, or consumer trying to navigate 2025's housing landscape, this episode offers timely insight, strategic advice, and straight talk you won’t hear anywhere else.🧠 Topics We Cover:What loan officers are really saying about the marketTrump vs. Jerome Powell: what matters and what’s just noiseUnderstanding the Fed’s dual mandate and what could finally trigger a rate cutIs it a buyer’s market—or just in transition? What realtors and lenders need to knowWhy move-up buyers may be acting now despite higher interest ratesExpiring 2-1 buydowns and what rising payments mean for homeownersCash-out refinances as a cash flow strategy for debt-stressed clientsWhy following up with past clients isn’t just good business—it’s the right thing to do🔔 Don’t miss out! Subscribe and stay ahead of the game with Market Shares.📌 New episodes drop every Friday at 10 AM PT!

Happy 4th of July from Market Shares! 🇺🇸In this special Independence Day message, I’m taking a few moments to reflect on why this country still gives me hope—despite the noise, division, and global chaos. From personal stories (like my daughter being born on the 4th!) to a deeper look at our nation’s founding ideals, this episode is a reminder of what makes the United States truly special.No matter where you stand politically, we are all part of this 250-year experiment in freedom, democracy, and progress. It's not perfect—but it’s ours. And we all have a role to play in shaping the future.Enjoy time with your family, celebrate safely (fireworks optional 😉), and remember: your voice matters.🔔 Don’t miss out! Subscribe and stay ahead of the game with Market Shares.📌 New episodes drop every Friday at 10 AM PT!

In this episode of Market Shares, host Tony Blodgett sits down with Josh Martin, Regional VP at New American Funding, for one of the most insightful and real conversations about mortgage leadership, culture, and growth you’ll hear all year.Josh shares his powerful journey from his early days at Wells Fargo to helping lead one of the highest-producing teams at NAF, his move from California to Idaho, and how he's helping shape a culture that attracts talent, empowers producers, and builds community.Whether you're a producing branch manager, a loan officer at a bank considering the IMB world, or a leader looking to scale a winning team, this episode is packed with lessons you can take to the streets today.📌 Topics We Cover: Josh Martin’s transition from big bank to Regional VP at NAFWhat makes a successful producing branch managerThe mindset shift from recruiting to attracting talentWhy IMBs are outperforming big banks in today’s marketHow Josh & Craig brought in $500M+ in recruited productionCreating culture, visibility, and momentum through leadershipLife and career trade-offs when moving markets (California to Idaho)How to grow your region and team with consistency and purposeWhy mentorship and partnership are keys to long-term successWhat’s next for Josh — and why it matters for the future of NAF🎯 If you're not listening to this..... you're missing out on the insider secrets to building a $500M mortgage powerhouse and unlocking the strategies top leaders use to recruit, lead, and win in the industry!🔔 Don’t miss out! Subscribe and stay ahead of the game with Market Shares.📌 New episodes drop every Friday at 10 AM PT!

🚨 Massive changes are coming to the mortgage industry—and most people aren’t talking about them.In this episode of Market Shares, host Tony Blodgett breaks down two of the hottest topics in housing finance:👉 Widespread deregulation across HUD, FHFA, and CFPB👉 The possible repeal or major revision of the Loan Officer Compensation RuleFrom floodplain insurance rollbacks to environmental building code changes, to the heated debate around borrower-paid comp, Tony shares what’s happening behind the scenes, how these shifts could impact loan officers, lenders, builders, and borrowers, and what the future may look like if the rules we’ve followed are thrown out.📣 Whether you’re in the business or simply want to understand how the future of mortgage lending is evolving—this is your front-row seat to the conversations that matter most.📌 Topics We Cover:Key deregulation moves affecting mortgage lending in 2024Flood insurance and environmental rule repealsLO compensation: where it started, where it's headedBorrower-paid vs. lender-paid comp: the truth about broker flexibilityAnti-steering disclosure and current industry workaroundsAre outdated rules hurting loan officers—or helping consumers?Will a free-market model level the playing field or create more chaos?🎯 If you’re not listening to this… you’re behind on the biggest shifts in mortgage lending and what it all means for your business. Don’t get left in the dark!🔔 Don’t miss out! Subscribe and stay ahead of the game with Market Shares.📌 New episodes drop every Friday at 10 AM PT!

Trigger leads may finally be banned. But at what cost? And what’s next for Fannie Mae & Freddie Mac? In this jam-packed episode of Market Shares, host Tony Blodgett tackles the biggest issues facing the mortgage industry in 2025 and beyond.From the fast-moving legislation HR 2808, to behind-the-scenes conversations with Barry Habib about GSE reform, we break down what’s changing, what’s staying stuck, and what it all means for loan officers, real estate pros, and consumers.🗂️ Topics We Cover:What trigger leads are and why they’re harmfulHR 2808: The bill that could end them by 2025How credit bureaus could respond — will costs go up?New protections for loan originators, banks & servicersFannie Mae & Freddie Mac: Why conservatorship isn’t ending soonBarry Habib’s hybrid ownership model for GSE reformThe real impact for borrowers, lenders, and the housing market🎯 If you're in lending, real estate, or just curious how policy affects the housing market—this is your update.🔔 Don’t miss out! Subscribe and stay ahead of the game with Market Shares.📌 New episodes drop every Friday at 10 AM PT!

Thinking about becoming a landlord or using your home equity to invest in real estate? Before you make the leap, Market Shares host Tony Blodgett delivers a must-watch episode packed with real-world lessons from decades of experience—including what went wrong, what he wishes he knew sooner, and how you can avoid the biggest (and costliest) mistakes.From emotional pitfalls to property damage horror stories, Tony walks through why being cautious is actually a smart strategy—and how working with a property management company, inspecting regularly, and setting clear lease terms can turn rental headaches into long-term wealth.Whether you're a first-time investor, an accidental landlord, or a mortgage pro advising clients—this episode is your landlord reality check.🧠 Topics We Cover:Why a little fear is healthy before becoming a landlordPros & cons of rental property ownershipProperty damage horror stories and how to prevent themWhat makes or breaks a lease agreementWhen and why to hire a property management companyUsing HELOCs for out-of-state investing: Smart or risky?How to screen tenants and protect your assetThe hidden costs of being a “soft” landlordCash flow vs. appreciation: which matters more?Landlord-tenant laws, fair housing, and legal landminesWhy reserves and long-term strategy matter more than you thinkThe one mindset shift that could save you thousands🎯 Mortgage pros: If you're not listening to this, you're flying blind. This episode breaks down the risks, realities, and hard-earned lessons every future landlord needs to hear—before making a costly mistake.🔔 Don’t miss out! Subscribe and stay ahead of the game with Market Shares.📌 New episodes drop every Friday at 10 AM PT!

In this raw, unfiltered episode of Market Shares, Tony Blodgett sits down with mortgage OG and content pioneer Ryan Hills for one of the deepest and most wide-ranging conversations we've ever aired in this wildcard episode.From the future of Fannie Mae & Freddie Mac to the ethics of AI-generated content, the potential downfall of the CFPB, and what it really takes to succeed in today’s mortgage market — this episode delivers truth bombs, hard questions, and tactical advice that every loan officer, real estate pro, and industry leader needs to hear.This isn’t just another industry podcast. It’s a real-time, late-night-style strategy session on surviving margin compression, scaling authentic content, and pushing the boundaries of leadership, tech, and collaboration in mortgage. Whether you're here for the leadership lessons, policy predictions, or next-gen marketing insights — this is the episode that connects it all.🔍 Topics We Cover:Why collaboration—even with competitors—makes great leaders better The brutal reality of LLPA pricing & the politics behind housing reformWhat privatizing Fannie & Freddie could mean for rates & affordabilityIs the CFPB obsolete? And who should regulate mortgage now?AI in content: efficiency tool or authenticity killer?How Ryan Hills built an 18-year podcast empire (and what you can learn)Why your mindset is your #1 weapon in a low-margin marketThe real secret to success in this business: WORK. YOUR. ASS. OFF.Will rates drop in 2025? The truth behind Fed policy and government incentives🎯 If you're not listening to this episode, you're missing the conversation shaping the future of our industry!🔔 Don’t miss out! Subscribe and stay ahead of the game with Market Shares.📌 New episodes drop every Friday at 10 AM PT!