Loans Elevated

Mortgage rates don’t move because of politics—they move because of markets, incentives, and supply & demand . In this episode of the Loans Elevated Podcast , we break down recent headlines surrounding Trump, mortgage-backed securities, and housing affordability, and explain what actually matters beneath the noise. You’ll learn: How mortgage-backed securities influence rates Why a $200B MBS pur...

Where are mortgage rates headed in 2026? Instead of guessing exact numbers, this episode focuses on what actually drives rates and how buyers and homeowners can win regardless of volatility. We break down inflation, job data, AI-driven economic shifts, housing demand, and the real wild cards shaping the market this year. More importantly, we explain why strategy, structure, and execution matter fa...

Property taxes can quietly cost Utah homeowners thousands of dollars over time, and most people don’t even realize they can challenge them. In this episode of the Loans Elevated Podcast, we break down how property taxes actually work in Utah, what it means to live in a non-disclosure state, and how homeowners can dispute over-assessed values to reduce their monthly payments. We cover: • What a non...

Portable mortgages are back in the news — but can they actually work in the United States? In this episode, the Loans Elevated squad breaks down why this “solution” sounds appealing but falls apart once you understand the U.S. mortgage system, MBS, investor risk, and how modern housing finance works. We cover: What a portable mortgage is (and why borrowers love the idea ) Why the U.S. financial sy...

This week we’re recording from Mexico and talking about the one topic nearly everyone has an opinion on: timeshares. Are they worth it? Are they ever a smart financial move? Do they actually save you money on vacations? And most importantly…  How do they affect your mortgage and credit? In this candid episode, we share:  • Why timeshares prey on emotions  • The “exclusivity” lie  • The hidden fina...

Are rising foreclosure and bankruptcy headlines signaling a housing crash?  In this episode of the Loans Elevated Podcast, we break down the actual data — not the fear-based headlines — to reveal what’s really happening in the housing market across Utah and nationwide. We cover:  • How today’s delinquencies compare to pre-COVID normals  • Why foreclosure inventory is FAR below historical averages...

Everyone’s talking about Trump’s floated idea of 50-year (and even 100-year) mortgages, but do longer loan terms actually solve the affordability problem? In this episode, we break down the math, the psychology, and the reality behind why housing feels unaffordable… and what’s truly driving the crisis. Inside the episode:  • The emotional vs mathematical side of affordability  • Hidden ownership c...

Big changes are hitting the solar industry. 2025 legislation is ending key federal tax credits and reshaping how solar systems are sold and financed. In this episode, TJ and Broch share what every Utah homeowner should know: ☀️ How the 2025 law impacts solar incentives 🏠 When solar actually makes financial sense (and when it doesn’t) 💰 The new solar-assist mortgage programs that can fund down pa...

Utah is entering what experts call “The Decade of Decision.” With the 2034 Winter Olympics officially on the horizon, every choice we make today—about growth, housing, water, and infrastructure—will shape the Utah we live in tomorrow. In this episode, the Loans Elevated team breaks down highlights from the new KEM C. Gardner Institute report and explores: 🏔️ What we learned from the 2002 Winter Ga...

The Fed just cut rates… so why are mortgage rates getting worse ? In this week’s episode of The Loans Elevated Podcast , Broch and TJ break down the recent Fed announcement — the October 2025 rate cut — and why the headlines don’t tell the full story. From the ongoing sell-off of mortgage-backed securities to the Fed’s mixed signals on inflation, they unpack what really drives mortgage rates and w...

Think Black Friday only happens at Target? Think again. In this week’s episode, the Loans Elevated podcast breaks down why Q4 is secretly one of the best times to buy real estate  and how smart buyers and investors can use this season to negotiate thousands off list prices. We’re talking: 📉 Rates trending lower while inventory climbs 🏠 Sellers are more motivated (and willing to negotiate) 🧠 Dat...

When the government shuts down, it’s not just politics—it’s personal. From TSA employees missing paychecks to delays in government-backed loans, the ripple effects can impact everything from your mortgage process to your next flight. In this week’s episode of Loans Elevated , we break down what the current government shutdown means for homebuyers, homeowners, and industry professionals. We discuss...

Utah is transforming before our eyes. From the Inland Port and The Point project to massive tech and infrastructure expansions, the state’s economic engine is running hotter than ever—and that means major opportunities for homeowners and investors. In this week’s episode of Loans Elevated , Broch sits down with Jack Andrews of Edge Homes to break down what these massive developments mean for Utah’...

When the Federal Reserve announces a rate cut, most people expect mortgage rates to drop too. But here’s the truth: Fed funds rates and mortgage rates aren’t directly tied, and that’s where so much confusion comes in. In this week’s episode of Loans Elevated , we break down the difference between Fed rate cuts, Treasury yields, and mortgage-backed securities. We explain why mortgage rates often mo...

Rates are falling—and with them comes one of the biggest opportunities buyers and homeowners have seen in years. In this episode of Loans Elevated , we break down why waiting for the “perfect” rate could cost you tens of thousands in lost buying power. You’ll learn: How a 1% drop in rates adds 50,000 new Utah buyers to the market (and what that means for competition) The math behind refinancing wi...

Everyone says we need more affordable housing—but why is it so hard to actually build it? In this episode of Loans Elevated , we sit down with Josh Best of Countryside Homes to unpack the real reasons behind Utah’s housing affordability crisis. From zoning roadblocks and city politics to skyrocketing labor costs and fees, we reveal what’s really driving prices higher—and what (if anything) can fix...

The jobs market just showed its first real cracks in 5 years—and the ripple effect is already hitting mortgage rates. In this week’s Loans Elevated episode, we break down the latest BLS report, Fed expectations, and why this could be the golden window for buyers . You’ll learn: Why unemployment and weak job growth are now the #1 driver of mortgage rates Why Fed cuts in September are already “price...

Why are some listings flying off the market while others sit for weeks or months? In this episode of Loans Elevated , we bring on top Utah realtor Nick Gonzalez to debate the age-old question: What sells a home faster—compelling price or superior quality? You’ll learn: Why “days on market” is like cancer for listings How buyers actually calculate value (hint: they exaggerate repair costs 5–10x) Wh...

Is real estate still a legit path to retirement in 2025? In this episode of Loans Elevated , we tackle one of the most common questions we get from clients: Can I still become a millionaire through real estate in today’s market? You’ll learn: Why seller financing isn’t always the “golden ticket” (and the risks of due-on-sale clauses) The truth about chasing cash flow vs. banking on appreciation Ho...

What separates a good home from a truly great one? For Sage Homes, it’s uncompromising quality, obsessive attention to detail, and a culture that puts people first . In this episode of Loans Elevated , we sit down with Doug from Sage Homes to uncover: How Sage achieves flawless fit and finish—even where most builders cut corners Why culture and team vision matter just as much as blueprints The sto...

The Bureau of Labor Statistics just dropped another jobs report and we’re calling BS. This week on Loans Elevated , we break down how massive downward revisions and the flawed “birth-death” model are painting a false picture of the labor market… and keeping mortgage rates higher than they should be. You’ll learn: How May & June’s job gains were actually losses after revisions Why the Fed still...

Can’t buy your next home until you sell your current one? This week on Loans Elevated , we break down the smartest alternative to a traditional bridge loan—one that eliminates DTI roadblocks, minimizes fees, and gives you real leverage in this buyer’s market. You’ll learn: Why most bridge loans suck (and what makes ours different) How to exclude your current mortgage from DTI Using a fast-close HE...

Jerome Powell is (likely) out. The Fed is about to pivot. But what does that actually mean for mortgage rates, buyers, and the housing market? In this episode of Loans Elevated , we break down the complex relationship between the Fed, inflation, bond markets, global uncertainty, and mortgage interest rates. Understand: Why replacing the Fed Chair may not impact mortgage rates the way you think The...

Remember those people who said, “You’ll regret buying in 2022” ? This week on Loans Elevated , we set the record straight and bring the data receipts. You’ll learn: What actually happened to home values since 2022 Why the average buyer has gained $30K–$60K+ in equity How temporary buydowns work (and why they weren’t a trap) Why waiting for “the perfect rate” cost some people their shot How to use...

The media is still pushing fear. TikTok is full of bad advice. And most buyers are sitting on the sidelines, waiting for a “better time.” In this episode of Loans Elevated , we dismantle the 5 most common homebuying myths with real math, real market stats, and zero fluff. You’ll learn: Why “waiting for rates to drop” is a financial trap How renting is actually riskier than buying Why you don’t nee...