Always On Point

Kristen Ambos, a top loan officer in Wisconsin, dishes out the real scoop on the mortgage market's upcoming transformation. With 50% of Americans now holding mortgages over 6%, 2026 promises a resurgence in housing activity. Kristen highlights the importance of understanding loan terms beyond just chasing low rates—beware of predatory lending! As we return to pre-pandemic market norms, expect more...

Dive into the real estate rollercoaster with Kristen Ambos and top agent Amanda Furman as they dissect the current market. Despite the Fed's rate cuts, mortgage rates have risen, confusing many buyers. Amanda reveals that buyers now have more choices, with less competition and room for negotiation, especially in the Fox Valley. Sellers can still fetch close to their asking prices but may face more...

Kristen Ambos dives into the volatile landscape of interest rates, cautioning against too-good-to-be-true offers from online lenders. She explains the pitfalls of adjustable-rate mortgages and the hidden costs behind low initial rates. Jill Dixon-Kesler offers insights on the real estate market, emphasizing the importance of working with experienced advisors. She urges sellers to price realistical...

Diving headfirst into the mortgage mayhem, we explore the buzz around 50-year mortgages, dissecting their pros and cons. With interest rates hovering at 6.38% for a 30-year fixed, the market is stabilizing in Northeast Wisconsin, promoting fair play between buyers and sellers. However, the proposed 50-year mortgage, while offering lower monthly payments, adds significant long-term costs, leading t...

The mortgage market is buzzing as the 10-year Treasury note dips below 4%, keeping rates at their lowest in a year. With average 30-year fixed rates at 6.13% and 15-year at 5.72%, it's a ripe time for potential buyers. But despite favorable rates, the housing rush isn’t quite here yet. Kristen Ambos dives into why now might be the time to buy, highlighting the importance of equity amidst $7 trilli...

Mortgage maestro Kristen Ambos dives into the intricacies of home buying, spotlighting down payment assistance programs like WIDA and NeighborWorks. She breaks down common home-buying myths, emphasizing that 'free money' comes with costs, but smart strategies can minimize them. Kristen shares real-life success stories of first-time buyers navigating Wisconsin's market with minimal upfront costs. H...

Kristen Ambos, a seasoned mortgage expert, dives into the importance of financial literacy and mortgage education amidst a changing market. She shares her personal journey from financial struggles to becoming a top loan officer, emphasizing the emotional nature of finances and the lack of financial education. Kristen highlights the need for mortgage education and offers tips on improving credit sc...

This episode features Kristen Ambos’ interviews with Megan Jacquet, VP Sales Caldwell Banker Real Estate Group Sales and member of the Board of Directors of the Wisconsin Real Estate Association. Among other things they discuss factors that affect mortgage rates. Also, Dawn Quait, a realtor with Caldwell Banker Real Estate Group joins the show and talks about the advantages of having a Real Estate...