The Collective Mindset Podcast

 Is the Arizona Real Estate Market Hot Dead or just Heating Up?!  Jordan and Gavin are back to discuss the current status of the market, where is the homebuyer sentiment and what do they see happening in the near future with interest rates, cryptos and the election!  

2024 is going to be a wild year for certain! Jordan and Gavin discuss the Mortgage Rate outlook for the year as well as Bitcoin price action and how Inflation, the Fed, ETF and the having will all play major roles in financial markets in 2024! Tune in!

Fed December announcement is out and they are holding rates steady, but the big news was the introduction of the idea of rate cuts in 2024!   Jordan and Gavin discuss the FED decision as well as what this will mean for 2024 Real Estate values and affordability.   If you are planning on buying Real Estate in 2024 this is a must watch to understand the market moving forward.    These Hot takes and m...

Is Bitcoin the Future of Money?  What economic headline will dominate 2024 and how will this effect the housing market?   Jordan and Gavin discuss cryptocurrency, Bitcoin and the FED and the money supply and how all this shapes up for wild financial markets in 2024.  They believe lower rates are in store, and this will fuel a recovery in housing and mortgages as well as a nice bull market in Crypt...

Breaking New 2024 Conventional Loan limits! Our Max loan amount is $766,550! Jordan and Gavin discuss what this new loan limit means for the Real Estate market as well as discuss the most Recent Case Schiller index report for Home Price appreciation that came in at Year over Year at 3.9% appreciation!

It appears that 5.0% is the lid on the 10 year treasury and with this past October CPI Report coming in cooler than expected, the FED Pause and Hold is all but official.  The FED stated they wanted to go “Higher for Longer” with Fed Funds Rate.  Since we have not seen a hike since July, this will be a solid 6 months with a PAUSE at Higher for Longer.  How long can they hold rates at this level? We...

Is the FED PEAK RATE IN?! It would appear so, we are in the “PAUSE” phase and really we have been since July.  In this episode we discuss the FEDs recent remarks and how things are shaping up in our economy.  What the FED is looking for and what we think will happen as we start forecasting into 2024.  The pause should cool off hot interest rates as long as inflation can stay in check.  Tune in and...

For Mortgage Bankers only; maybe it is time you consider joining the broker side.   The Mortgage business is changing, price compression is a real thing and you need to be bringing the most value and best price to the street. If you are working for a large lender, with lots of overhead, you and your clients are paying for it.  Why continue to work that old model with Regional Managers taking 10bps...

Do you feel Grateful? We discuss the idea of living in a state of Gratitude, or pursuing it intentionally!  Meet Shannon and Matthew Missimer, as we discuss their business, The Motion of Gratitude, and the Pursuit of Gratosis, their term, and I love it.     Tune in to learn how living this way has given them such an abundant perspective on life, and is driving them to live life on purpose and to d...

If interest rates persist higher for longer, how can you prepare to generate more income and protect the income that you have?   Jordan and Gavin discuss these ideas, how owning Real Estate can help in both income and asset preservation, and how to preserve capital via high savings rates and investment vehicles.  And of course, creating a side hustle, great for extra income and also for tax write...

With Federal Reserve holding interest rates steady in September, and inflation continuing to be “Sticky” it appears we are headed to a sad scary game of “financial Chicken”. Who or what will give first?   Jordan and Gavin discuss how to navigate this challenging market, and how things likely play out in the coming months.   If you are into Real estate, Fed talk and general finance, this is a great...

Could this be the last and final chance to have a piece of the American Dream of Homeownership?! With interest rates rising, why the average American could be "left out in the cold" from owning a home in the very near future...  Jordan and Gavin discuss why Fed Policy and rising interest rates are making it difficult for the Average American to afford a new home. Why affordability is at...

In this episode we discuss common myths in the mortgage world. 1. How much money down is required when you buy a house?  2. Can I buy a home without perfect credit?  3. What a minimum credit score requirements? 4. How are Realtors paid and so much more.   If you are thinking about buying a home, don’t let these myths hold you back.  Get educated on what options are available and on the table for y...

3 Secret Mortgage Hacks that big banks don't want you to know. While we're all complaining about high interest rates and inflation the window of opportunity is slowly closing. Don't let higher rates keep you on the side line.  Now is the time to get creative and find a way to buy your ticket to financial freedom.  We can show you how! Don't get left behind!

In this episode we discuss the 5 Best (And easiest) ways you can invest in Real Estate, starting it off with crunching the numbers on why you should buy your primary residence as soon as you are able!   If you want to build wealth, there is no better way than buying real estate.

In this weeks episode we have a candid conversation about the state of our country.  Are aliens real?  Is Trump going to jail?  Be sure to watch the full episode to find out.  But really... How can we tune out the noise of this world and focus in on what's important? Jordan and Gavin discuss it all.

Get the latest from Jordan and Gavin on the current state of the Mortgage World.   Rates are up!  Home values are up!  The price of milk is up! But inflation's down? We're discussing the Phoenix Arizona real estate market and how mortgage interest rates are setting up for the rest of the year.

Happy Independence Day!  Being alive in the USA right now puts us amongst the most blessed people to ever walk the earth.  Opportunities are endless with the right mindset. Take the freedoms that we still have and use them to create a life worth living. Yours may look different from ours or from your neighbors but it will be yours.  Don’t let this moment pass you by, start creating the life you wa...

Why do you need a trustworthy Network? There are many reasons, people like to do business with people they “Know, Like and Trust”. We believe a Network is key to your business success as well as your ability to provide value to your clients.  Gavin and Jordan break down the need for a community, a “Collective Network” to build up fellow business owners, to help create communities of like-minded in...

Are you about to purchase a home? Watch this now, don’t make these 5 common mistakes future homebuyers make.  The home buying process can be stressful and complicated, but it doesn’t have to be. If you can avoid making these 5 mistakes your home buying process will be much smoother.   5. Shopping without a budget 4. Not checking your credit 3. Changing Jobs  2. Cash deposits 1. Not working with Pr...

We lay out the fool proof way to change any part of your life in 3 steps.  Sounds easy, right? 1. Be Self-aware 2. Define the Delta 3. Be Willing to Start Sounds simple but there's always more to it.  Every high achiever we've come across utilizes some variation of this process.  Listen in and see if this is something you can apply in your life.

The Fed meeting today was a dud!  We got what we wanted with a FED Pause on the rate hikes, however, Chairman Powell said that two more rate hikes are likely this year!  With the inflation data dropping down to 4.0% most economist felt like that was sufficient and proof the hikes have done what was intended and there should not be any further hikes needed.  Gavin and Jordan discuss the fed decisio...

The world often only measures success with Wealth. Jordan and Gavin describe what success looks like to them, and what it can and should look like for you.  You find success and happiness in the work, the journey, the accomplishments.  We have to create systems and or habits to create the ability to have long term success in life. Whether that be financial, physical or for family or your faith. Yo...

In this weeks episode we lay out the hypothetical budget of a family of 5 making $100k/year.  We will explore the challenges families face in the current economy and how buying a home still needs to be priority #1.  Although the "American Dream" feels like its getting further and further out of reach for most families, we explain lower down payment options, grant programs and "lesse...

In episode 5 we discuss the State of the mortgage industry.  It was the best of times it was the worst of times. Is now really a good time to buy a home?  Why or why not?  Jordan and Gavin will give you their thoughts.  Let us know what you think!