Disrupting the Market: CFPB Reform, Shrinking Rate Spread, Disaster Effects & The Magic Mortgage Rate!
theREsource podcast
💥 Massive shifts are happening in the mortgage and housing markets! Ryan Hills breaks down the latest on CFPB reform, what shrinking rate spreads mean for buyers and lenders, and how natural disasters are shaping the future of real estate. Could CFPB budget cuts lead to lower mortgage rates? Is there a “magic mortgage rate” that will bring buyers back to the market? We’ve got the data, the insights, and the conversation you need to stay ahead! 🔔 Don’t miss this episode—subscribe to The RE Source for weekly industry updates! Link:...
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"AI Can't Do The Sh!t I Do."
theREsource podcast
💥 How do you thrive when others are struggling? Join us a we interview, the one and only, Nicole Rueth! Nicole Rueth, Founder of The Rueth Team and CEO of The Next Big Thing, is committed to transforming the real estate landscape through leadership, education, and innovation. 🔔 Subscribe to The RE Source for more tips, strategies, and the latest industry trends. 4:06 - Success is something that you attract by the person you become. 🌟 5:15 - "Daily Anything, Changes Everything." 13:00 - People surround themselves with winners. 🏆 14:15 - Are you on the train...
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2025 Housing Wildcards: The 10 Surprises That Could Change Everything!
theREsource podcast
2025 is here, and the housing market is packed with wildcards that could shape the year for Realtors and loan officers! In this podcast, we reveal the Top 10 Housing Wildcards for 2025, including interest rates, jobs, deregulation, inflation, and much more. Whether you're navigating shifts in demand or bracing for global economic changes, these insights are vital to your success in the real estate and lending industries. Listen now to stay ahead of the curve and uncover opportunities for growth in 2025! ⭐ JOIN OUR COMMUNITY ⭐ Get the hottest and most up-to-date info in the Real...
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Massive Shifts Ahead: What Will Shape the Housing Industry in 2025?
theREsource podcast
Mortgage Rates / GSE Privatization / Impact of AI / CFPB / Volume / Sales Opportunities / MSR Values 💥 Are you ready for what’s next in real estate and mortgage? Ryan Hills is joined by Ryan Hayes and Rob Pieklo to discuss bold strategies, market trends, and what 2025 might have in store for the housing industry. Whether you’re a realtor, lender, or homebuyer, this episode is packed with value you can’t afford to miss! 🔔 Watch now to get the full playbook on thriving in today’s housing market! 0:00 - Introduction 4:00 What Will Shape the Housing Industry in 2025? 7:30 Future...
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Will Elon Dismantle the CFPB?
theREsource podcast
How Less Government Waste = Lower Rates! 🔥 Could Elon Musk really dismantle the Consumer Financial Protection Bureau (CFPB)? In this episode of The RE Source, Ryan Hills explores what less government waste could mean for the mortgage industry and how it might lead to lower rates for borrowers. 🏡📉 Don’t miss this eye-opening episode that’s sparking conversations across the housing and finance worlds! 🔔 Subscribe for more insights and updates on real estate, mortgage, and finance trends. ⭐ JOIN OUR COMMUNITY ⭐ Get the hottest and most up-to-date info in the Real Estate and...
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The Real Estate Seesaw: Are Rate Cuts Off The Table Now? 😱
theREsource podcast
📉 What’s the future for mortgage rates? The market has been buzzing with whispers that are growing louder each day. 🏡 In this episode of The RE Source, Ryan Hills breaks down the latest data and insights from the Fed. 🔔 Don’t miss out—subscribe for weekly updates on the latest trends in real estate and mortgage! Links: https://www.cnbc.com/2024/11/14/powell-says-the-fed-doesnt-need-to-be-in-a-hurry-to-reduce-interest-rates.html https://www.cmegroup.com/markets/interest-rates/cme-fedwatch-tool.html https://www.redfin.com/news/what-trump-reelection-could-mean-for-housing/ ⭐...
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↕️ Rightsizing Realtor and Lender Pay: A Discussion Worth Having?
theREsource podcast
💥 Is real estate compensation where it should be? In this episode of The RE Source, Ryan Hills welcomes special guest Dave Savage to discuss key insights about compensation trends that may reshape the mortgage and real estate industries. 🔔 Subscribe for insights on the latest industry trends and in-depth discussions to help you stay ahead in real estate and finance. Links: https://www.linkedin.com/posts/davesavage_the-traditional-100-150-bps-compensation-activity-7259257837304832000-RyXm?utm_source=share&utm_medium=member_desktop https://www.youtube.com/watch?v=iD_NLP8LzF8 ⭐ JOIN...
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Rethinking Mortgages: From Outdated Guidelines to Real Innovation!
theREsource podcast
🏠 Imagine a world where mortgage approvals are quick, seamless, and powered by the latest tech! In this episode of The RE Source, Ryan Hills breaks down a HousingWire article that inspired a fresh look at the mortgage process. From AI-driven prequalification to blockchain for secure records, we’re exploring what a tech-forward mortgage industry could look like. Say goodbye to outdated guidelines and hello to innovation! Whether you’re in real estate, a loan officer, or curious about the future of finance, this episode dives deep into the game-changing ideas that could redefine lending...
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America Adds $1,450 of Debt Per Person in Just 3 Weeks – What This Means for Housing and Beyond!
theREsource podcast
Data heavy! No commentary - just facts 🔥 🚨 In just 3 weeks, America added $1,450 of debt per person. What does this mean for housing and the broader economy? 💸🏡 In this episode of The RE Source, Ryan Hills breaks down the numbers, revealing the potential impact on real estate, mortgage rates, and future market conditions. With debt increasing at an unprecedented pace, both buyers and sellers need to understand the ripple effects on the housing market. Tune in to get the insights that could shape your next real estate decision! 🔔 Subscribe for weekly updates on real...
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Only 2.5% of Homes Changed Hands This Year! What’s Behind This 30-Year Low?
theREsource podcast
🚨 Why are home sales at their lowest in 30 years? 🏠📉 In this episode of The RE Source, Ryan Hills uncovers the reasons why the housing market is at a standstill, with only 2.5% of homes changing hands this year. Uncertainty is creating a ripple effect that's stopping both buyers and sellers from making moves. From mortgage rates to fears about future policy changes, we break down how these factors are impacting the market—and what real estate professionals can do to navigate this challenging landscape. Don’t miss out on these crucial insights! 🔔 Subscribe now to stay informed...
info_outline🔥 Here’s a hot take… It doesn’t matter if the Fed cuts rates! Mortgage Rates can still come down! 💰 Last Friday reminded us of a crucial lesson: the Federal Funds rate doesn't directly impact mortgage rates. While everyone awaits the Fed’s decisions, it’s essential to remember this distinction. Even when the Fed raises rates, mortgage rates can drop, as we've seen in previous cycles. 📉
📈 Job growth unexpectedly slowed last Friday, leading to a rally in Mortgage-Backed Securities (MBS) and an improvement in mortgage rates. This demonstrates that market forces, not just Fed policy, influence mortgage rates. While lowering inflation and interest rates is crucial for many Americans, we shouldn’t solely rely on Fed actions for rate improvements. 🏠
🕰️ Looking back at past content, like younger Ryan explaining this phenomenon, serves as a great reminder of the evergreen nature of this topic. Leveraging such content helps reinforce today's point and emphasizes that mortgage rates can improve independently of Fed decisions. 💡
📉 Additionally, let’s not overlook the potential for QE interventions by the Fed to impact mortgage rates. While not ideal, it remains a possibility. Therefore, it’s important to recognize that various factors beyond the Fed's control can influence mortgage rates. 🔄
📚 In summary, while awaiting Fed decisions on rates, it's crucial to understand that mortgage rates can move independently. This recent reminder underscores the need to consider broader market dynamics and historical trends when analyzing mortgage rate movements. Share this insight with others to broaden their understanding and stay informed! 📊
Show Links:
The Truth About The FED & Mortgage Rates!
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