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Is There A Robinhood Approach in Lending in America?

Release Date: 05/01/2023

Young, Smart, and Buying Homes Without Help—The Data No One Saw Coming

theREsource podcast

Young, Smart, and Buying Homes Without Help—The Data No One Saw Coming. Are you focused on the deal—or the decade? The housing market is shifting—but not in the way most people think. We break down the real indicator that tells us who's in control: buyers, sellers, or no one. 📊 And the surprise? Gen Z is quietly making major moves—without family help. Whether you're a loan officer, real estate agent, or future homebuyer, this episode of The RE Source will change how you see the game. ✅ Learn what’s really happening with inventory ✅ See where young buyers are winning ✅...

A Shifting Market Is Where Real Pros Eat

theREsource podcast

A Shifting Market Is Where Real Pros Eat - This isn’t doom and gloom—it’s an opportunity. The market isn’t crashing—it’s shifting. And if you’re paying attention, this is the greatest opportunity we've seen in years. ⚡ Nearly half of all homes are closing with seller concessions. ⚡ 1 in 3 listings had a price cut in March. ⚡ Buyers and sellers need leadership—and that’s where YOU come in. We break down the data, the strategy, and the messaging you need to win in today’s real estate and mortgage market. This isn’t the time to wait—it’s the time to lead. Are you...

Trump vs Powell: Is Political Pressure Forcing the Fed’s Hand on Rates?

theREsource podcast

What happens when the immovable force meets the unstoppable object? We're about to find out. In this episode, Ryan Hills unpacks the mounting tension between the Fed and Trump—two massive forces now colliding over rate policy and economic pressure. With jobless claims rising, Americans pulling back on major purchases, and no emergency savings for many, pressure is building FAST. Redfin’s latest data reveals just how shaky Main Street really is—and it could force the Fed to act sooner than expected. Will rates drop? Is a recession already here? And what does it all mean for housing? 📉...

Stagflation, Stock Swings, and Skyrocketing Rates: Breaking Down the Tariff Impact

theREsource podcast

📉 Tariffs. 📈 Rates. 🌀 Stagflation. We’re living through an economic chess match with real-world consequences—and it’s hitting housing, lending, and the stock market all at once. In this episode, Ryan Hills breaks down how the tariff war is driving inflation, disrupting construction costs, and forcing tough decisions at the Fed. With new economic pressure building, what’s next for interest rates and the future of housing? From steel and appliance prices to mortgage-backed securities and global debt trust, this isn’t just theory—it’s your business. 🎯 Learn what’s...

Confusion and Fear Create Hesitation

theREsource podcast

Confusion and fear create hesitation—but informed guidance creates confidence. Now’s the time to help buyers understand how volatility can work in their favor… if they act decisively. Four of our 2025 housing wildcards just hit—again. For buyers, this could be a rare window of opportunity. For agents and loan officers, this is the time to lead with confidence. 📉 The market’s moving fast. 🏡 Your clients need guidance. 🚨 Don’t miss the strategies that could change your 2025 game plan. ✅ Watch now. Stay sharp. Let’s lead together. 🔔 Don’t forget to like, comment, and...

Redfin Rewinds, KW Reloads and Mortgage Finds Its Bottom - The Beginning of a Housing Revival?

theREsource podcast

What just happened to Redfin?! 😱 And why is private equity making big moves in real estate while the mortgage industry struggles? 📉📊 In this episode of The RE Source, Ryan Hills breaks down Redfin’s shocking acquisition by Rocket, Keller Williams’ surprising investment, and whether the housing industry can bounce back. 🏡💰 This is a must-watch for every real estate agent, loan officer, and homebuyer looking to stay ahead in the market! Hit that play button NOW! ▶️ 🔔 Don’t forget to like, comment, and subscribe for more real estate and mortgage insights! Links: ...

Will Fannie Mae’s Privatization Fix Home Affordability?

theREsource podcast

Another one of our Wildcards just hit! 🏡💰 Could this be the move that changes everything? Ryan Hills dives deep into what this could mean for real estate professionals, homebuyers, and the entire mortgage industry. Should Fannie Mae & Freddie Mac be privatized, or should they remain under government control? Weigh in below & share your thoughts! Links: https://www.housingwire.com/articles/new-fhfa-director-bill-pulte-is-focused-on-gse-reform/ 🔔 Subscribe for more insights on real estate, mortgage, and economic trends! ⭐ JOIN OUR COMMUNITY ⭐ Get the hottest and most...

The Fall in American Work Hours Visualized: A Warning Sign for the Economy?

theREsource podcast

📉 American working hours are declining—what does this mean for the economy? Ryan Hills breaks down the data behind the drop in working hours and why it could be a major warning sign for a potential economic downturn. As job market shifts collide with rising housing inventory and falling mortgage rates, could this be the start of something bigger? How will it impact real estate, homebuyers, and the broader financial landscape? Links: https://www.marketwatch.com/story/u-s-recession-no-longer-seems-completely-unthinkable-as-jobless-claims-spike-higher-74acd4ca?utm_source=chatgpt.com ...

Houdini Homebuyers: Where Are the Missing First-Time Homebuyers?

theREsource podcast

It’s a mystery worthy of the greatest escape artist himself—first-time homebuyers are disappearing from the market. But unlike Houdini’s illusions, this isn’t a magic trick. The question is: where did they go, and what’s keeping them from making a move? The Vanishing Act. Traditionally, first-time homebuyers make up around 40% of the market. But lately, they’ve been pulling a disappearing act, with their share shrinking year over year. Find out why in our latest episode ‼ Links: https://www.lendingtree.com/home/mortgage/single-women-own-more-homes-than-single-men-do/ 🔔...

The Hidden Indicator Shaping Housing: The Leading Indicator No One’s Discussing!

theREsource podcast

The Leading Indicator No One’s Discussing! In this episode of The RE Source, Ryan Hills uncovers a major leading indicator that could reshape the housing market, economy, and interest rates. What happens when thousands of mid-career workers are forced to re-enter the job market? Could this impact home affordability and mortgage defaults? We’re diving into the data no one is talking about—watch now to stay ahead of the curve! Links: 🔔 Subscribe for more insights on real estate, mortgage, and economic trends!

More Episodes

🏠💰 We're diving into the recent changes in loan pricing in the mortgage industry and how it's sparked a political spin lately. 🔥 HousingWire has featured industry leaders like David Stevens, who points out that buyers with higher credit scores are now subsidizing those with lower scores. 📊 This has caused the industry to take sides and sling mud at each other. 💩 There are also concerns about the GSEs being used to pursue political and social agendas, which could lead to mistrust in how they analyze expected default and severity. 🤔 Stay informed and keep up with the latest developments in the mortgage industry!

00:00 – TheREsource.tv introduces the topic of the GSE’s LLPA scuffle in the real estate & mortgage industry and promises to explain the situation without using jargon. 😂🤩

00:23 – The changes in loan level price adjusters (LLPA’s) that caused an uproar several months ago now may have a political spin. 🏛 📢

00:46 – Is it true that buyers with higher credit scores are now subsidizing those with lower credit scores? The banking industry has taken sides and started slinging mud at each other! 😠↔😑

01:05 – Buyers with a credit score of 640 will pay significantly more than those with a credit score of 740, using an 80% loan to value ratio as an example. Better credit scores represent a better risk and are priced better accordingly. Facts. ☑

01:49 – Were the changes that were made to people with better credit scores and some areas got better while some got worse, but the end result is that low credit scores represent a higher risk for investors and thus pay a higher rate to offset that risk? 💸💰

02:08 – Dave Stevens highlights the dangers of both sides being able to use the GSEs politically, which has some merit politically, but not what the industry was peddling last week. 🎙

02:41 – Dave Stevens expresses concern that the GSEs may be used to pursue political and social agendas, which could lead to mistrust in how the GSEs come up with their analysis on expected default and severity. 🤓

03:15 – A regime change in Washington could result in a new director of the GSEs, which could set a dangerous precedent for how the GSEs are run.⁉

RE-Source Links:

➡ Is There Really A New, Unfair Mortgage Tax on Those With High Credit? Mortgage News Daily: https://www.mortgagenewsdaily.com/mar...

➡ David Stevens on HousingWire on LLPA's: https://www.housingwire.com/podcast/d...

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