More Than Mortgage

Mortgage rates improved slightly this week, with the 30-year fixed averaging 6.07% — and the Fed meeting brought… absolutely nothing. 👀 In this episode of Take Ten, Corey and Lisa break down: • Why the Fed “doing nothing” is actually good • Trump’s nomination of Kevin Warsh as next Fed Chair • Why the bond market really controls mortgage rates • Why independent mortgage banks now originate 84% of...

Mortgage rates dipped below 6% for one day… and now they’re back over 6%. So what’s actually happening? In this episode of Take Ten, Corey and Lisa break down: • Why rates briefly fell below 6% • Why paying points is suddenly a strong strategy • Builder incentives that are creating “slick” deals • The proposed 401(k) down payment rule change • Should you tap retirement savings to buy a home? • Wha...

Recently, the Trump administration instructed Fannie Mae and Freddie Mac to invest $200 billion into mortgage-backed securities ... and the internet exploded. Did rates crash? Is this the beginning of 5% mortgages again? Or is the headline bigger than the impact? In this episode of Take Ten, Corey and Lisa break down: • What the $200B mortgage bond investment really means • Why rates didn’t drop a...

Rates are drifting down again, conforming loan limits are officially updated, and the industry is watching the December 10 Fed meeting. Corey and Lisa break down everything in 10 minutes so you can stay informed without digging through market reports. You’ll learn how the new limits change buying power, how jumbo loans differ, why appreciation makes assumptions challenging, and why portable mortga...

This week’s Take Ten comes with a turkey costume and a major shift in the mortgage market. Mortgage rates dipped again, now averaging 6.18 percent , and the odds of a December rate cut jumped from under 40 percent to more than 80 percent after a single comment from New York Fed President John Williams. Corey and Lisa break down what changed, why the markets reacted so quickly, and what this means...

In this episode of Take Ten , Corey Freels and Lisa Wiles from The Mortgage Gallery break down the latest market data and give Realtors the insights they need to win one more deal as we head into the holidays. We cover: • Why the December Fed meeting is unlikely to bring a rate cut • How to use the CME FedWatch Tool to sound like a market expert • Why mortgage rates ticked slightly higher this wee...

This week on Take Ten, Corey Freels and Lisa Wiles break down everything shaping the mortgage world right now in a fast, Realtor-friendly 10-minute update. Here’s what they cover: • Rates holding around 6.18% and why lenders are feeling the squeeze • What the government shutdown actually means for mortgage data • USDA fully stalled . Why files can’t even be uploaded yet and what that backlog will...

The Fed finally cut rates, but mortgage rates went up ?! In this week’s Take 10 , Lisa Wiles and Corey Freels from The Mortgage Gallery unpack why that happened, what it really means for buyers and Realtors, and how to turn this tricky market into an opportunity. Here’s what you’ll learn: - Why mortgage rates don’t always follow Fed rate cuts - How to help buyers purchase before they sell with Fai...

Mortgage rates are sitting near their lowest point in two years — and that means big opportunities for buyers and Realtors alike. In this week’s Take 10 , Lisa Wiles and Corey Freels from The Mortgage Gallery cover: ✅ Why the 20-year fixed loan is a hidden savings powerhouse ✅ How to use seller credits to buy down rates instead of lowering price ✅ What the latest MBA forecast means for long-ter...

Mortgage rates are near their lowest point of the year — but that’s not the only good news. In this episode of Take 10 from The Mortgage Gallery , Lisa Wiles and Corey Freels break down what Realtors need to know right now: How the ongoing government shutdown is impacting rates and USDA loans Creative ways to save deals that fall apart after home inspections Why renovation financing is a hidden op...

Mortgage rates are climbing again, even after the Fed’s recent rate cut, and it’s leaving a lot of people confused. In this episode of Take Ten, we give you both the why behind rising rates and the how to keep winning in this market. Here’s what you’ll learn: Why mortgage rates spiked even after a Fed rate cut Creative strategies like Lock & List and Payment Abatement to help sellers move inve...

The headlines say “rates dropped”, but is that what really happened? In this episode of Take 10 , Lisa Wiles and Corey Freels break down the Fed’s September rate cut, what it means (and doesn’t mean) for mortgage rates, and why your clients may be hearing a different story in the news. You’ll learn: The difference between the Fed funds rate and mortgage rates (and why they don’t move the same way)...

We’re back, and this episode is packed! Corey Freels and Lisa Wiles break down what’s happening with rates this fall, why the Fed doesn’t directly control mortgage rates, and how the bond market reacts before those Fed meetings. Plus, we dive into: How the Half Point Kickoff program can help your buyers save with a lender-paid 0.5% temporary buydown Smart VA loan tips and tricks you may not know a...

We’re back—and we’ve got big news. Lisa and Corey break down what’s really happening in the housing market (spoiler: Knoxville isn’t following the national trend), what Realtors need to know about inventory and appraisals, and why home prices likely aren’t going down anytime soon. PLUS: We’re officially rolling out dynamic pre-approval letters —customizable, branded, and built for speed. And yes…...

In this episode of Take Ten , Lisa and Corey break down the wild swings in mortgage rates—what caused them, what it means for buyers and agents, and how to navigate the chaos without losing your mind (or your deal). From unexpected tariffs to sneaky inflation pressure, we’ll unpack the real reasons behind the rate rollercoaster and share smart strategies to stay ahead in a volatile market. Bonus:...

In this episode, Lisa Wiles and Corey Freels dive into the latest executive orders and how they could potentially affect the housing market and what they mean for your business. From tackling housing affordability and supply issues to immigration policies and potential tariffs, we break down the real impact on the market and what to watch for in the coming months. Plus, we share a clever financing...

In this week’s episode of Take 10, Lisa Wiles and Corey Freels from the LTW Group dive into the ever-changing mortgage market, breaking down how a volatile jobs report and inflation data are impacting interest rates. They share actionable advice for navigating rate fluctuations, including when to lock your rate and why floating might be risky. Lisa and Corey also tackle how upcoming changes to cre...

Kick off the new year with us on Take Ten! In this first episode of 2025, we dive into mortgage rate predictions for the year ahead and strategies to save and close deals in a challenging market. From navigating rising rates to tackling unique borrower scenarios, we share actionable insights to keep your deals on track. Hear how we’ve saved deals for self-employed borrowers, travel nurses, and eve...

Tired of seeing market challenges as roadblocks? What if they were golden opportunities instead? In this episode of More Than Mortgage , Lisa Wiles and Corey Freels cut through the noise, sharing why waiting for rates to drop could cost buyers more than they realize. With predictions showing mortgage rates staying above 6% into 2025, it’s time to get creative. Discover how intentional planning, re...

Are you ready to make 2025 your most successful year yet? In this episode of More Than Mortgage , we break down the latest mortgage rate trends, debunk the myths around forecasts, and share actionable strategies to help you build a market-proof plan. Discover how to align your goals with purpose, pick your guiding "one word," and implement habits that lead to sustainable growth. Whether you're nav...

In this episode of Take 10, Lisa Wiles and Corey Freels break down the latest in the real estate market, including why housing might rebound in 2025 despite stubbornly high interest rates. They explore innovative loan products like renovation loans, non-QM options, and DSCR loans that are empowering investors, self-employed borrowers, and real estate agents to make bold moves in today’s market. Th...

In this episode of Take 10, Corey Freels and Lisa Wiles from LTW Group share insights from the Elevate convention in Scottsdale, Arizona. Between learning from top speakers like Jesse Itzler and catching the latest on market trends, they're back with takeaways to boost your business and help clients navigate the current market. Get their takes on interest rates, election impacts, and why now might...

In this Take 10 Episode, we dive into the current mortgage rates and what they mean for homebuyers today. Join our team of experts from LTW Group as they break down the latest market trends and share effective strategies to help you secure the best possible mortgage. Whether you're considering buying a home, refinancing, or simply want to stay informed, this episode provides essential insights and...

In this episode of Take 10 , we dive deep into the latest trends in the mortgage market and how rising interest rates are impacting both buyers and those looking to refinance. Corey Freels and Lisa Wiles explain why now is the time to act, breaking down how recent market movements have surprised many and what strategies you can use to navigate this tricky landscape. From temporary rate buy-downs t...

Don't forget to register for the Google class coming up on Thursday, October 3rd at 11:30. Details and registration: https://www.eventbrite.com/e/competing-on-value-how-to-leverage-your-online-presence-tickets-1026874708897?aff=oddtdtcreator