Mortgage Heroes's Podcast

The market is wasting NO TIME in 2024. Renters and homeowners alike are feeling bounced around by market shifts, uncertainty and a changing landscape that’s got a lot of people scratching their heads. The questions then become: What can we learn from a millionaire renter? Why are existing home sales rising while rates are too? And how do we fix the California housing crisis?

Today our friend Anthony Manzon, b-boy turned Top Realtor, joins Brian and Will to talk all about his success path, the early years, and how to grow as a professional while remaining humble and having fun along the way. You’ll also learn how family success is inextricably linked to he and his wife’s devotion to their relationship. Since 2013 Anthony and his wife Reggie have put a stamp in local re...

The Spring/Summer buying season is already upon us, BUT bold predictions of mass uncertainty are shifting conversations and decisions already. With more and more homeowners staying in their homes for much longer than before, will you be hunkering down in 2024 - or will you be GOING FOR IT to make this year the most memorable of your real estate ownership experience. 

Today our friend Peter Carlseen with Praecelsus Property Management comes to the show to share his vast knowledge from 20 years of residential property management, where his mantra is “No drama”. We covered everything from dealing with savvy tenants, saving money for the unexpected, how to mitigate lawsuit risk (even when it comes to marketing your property), rent caps, making sure your ADU is up...

A Realtor.com article came out just in time for valentines day that asserts homeownership could be the latest humble brag, but is it really? We agree and disagree on this while also batting around the idea of accessing Home Equity, insurance companies leaving homeowners high and dry in high risk areas, and review the latest loan delinquency data. 

Today our friend Mike Blair joins Andy and Will to talk about his journey into Real Estate, flipping 500 homes, buying investments, and building a real estate team. For those of you eager to become successful in real estate, this is an episode for you! Mike has so much experience to draw from and can personally attest to the grit it takes to persevere through so many variables that contribute to p...

Clashing factors are digging their heels in when it comes to housing. The Federal Reserve held rates as expected, but rising housing prices have voters putting the pressure on legislators. Who will budge first, Fed Policy or Policy Makers?

In today’s episode our friend Rod Prado with Credit Corner joins Brian and Will talk all about credit! Credit Management is an essential building block for asset building. Without a solid credit and debt management, individuals cannot qualify for loans for their business, to buy a home or a car, start a business or even rent an apartment. Furthermore, the prevalence of predatory and payday lenders...

It may seem counterintuitive to think that demand would increase at the same time that rates are inching back up again. But once we look at the data, and we match that with our borrower’s sentiment, goals and personal aspirations…it makes sense. And what about that generation that’s hunkered down and aging in place?...Is this normal, abnormal, and is it a fad or the new trend among retirees and so...

Today our friend Sophia Gallardo joins us to share the importance of creating an Estate Plan. Some people think that a "will" is enough, but as you will learn in this episode, there are many other considerations to take into account when deciding the Who's, What's, How's, and When's of your estate once you pass. Although many do not want to confront the reality of the...

If you told us in 2023 that we would see the return of buyer bidding wars, the number of homes experiencing price drops would be in decline, and that serious mortgage delinquencies lowest since 1999….we probably would have laughed. But here we are at the end of January and this is REALLY happening in the market. While we can’t ignore the other signs that could spell trouble in the months and quart...

Our friend Carlo Diaz with Old Harbor Insurance joins us today to talk about all the chaos of the California insurance landscape, why major insurers have left the state, what's coming in 2024 and what YOU can do about it.  Spoiler alert - There ARE STILL insurance companies serving the homeowners in the state, the reality is it will continue to be a challenge until new resolutions and solutio...

As we declared in 2023, we are going to see some very creative solutions come to the market as we confront the highest interest rates in 22 years, lowest affordability in more than 40 years, and home prices not giving up! A few school districts are testing a new model that could help provide housing to teachers, but will it work? And is it a model for the future of housing educators? If this model...

In this episode our friend Lloyd Stanford joins us to share handfuls of sage advice collected over 32 years of Leadership in the U.S. Navy. Hear some great heartwarming stories and learn how he translates being responsible for more than 3,000 service men and women into a full-time real estate career where he continues to serve day in and day out. William and Andy also learned a new term from Lloyd...

Entrepreneurs and Investors listen up! If you are looking for a California based real estate law firm that acts in service of your entrepreneurial success, you are in the right place. Enochs Law works to strategically formulate & identify the alternatives designed to help you run your business as profitably as you can while minimizing risk in the over-regulated & over-litigious world. Enoc...

Mortgage Rates are paving the way for a great end of 2023 and a strong start to 2024. As we wrap up this chapter of some of the most tumultuous mortgage landscape seen in decades, there’s brewing hope on the horizon that 2024 and beyond will shape a housing recovery that looks different than any one we’ve seen previously. Creativity, patience, preparation, and a healthy dose of “get-to-it-ness” wi...

We’ve been hoping for good news for so long now and finally we have some! Jerome Powell and the Fed delivered some great news about interest rates and some forward-looking progress about potential rate cuts in 2024. And ALREADY we are seeing buyers of 2022 and 2023 take advantage of their VA IRRRL as rates slide below 7%!!! 

Looks like pressure is mounting on the Fed to make rate cuts in 2024. Could we actually see numerous rate cuts on the horizon? And whether we get those or not, the housing market is showing signs of a healthy rebound from the challenges of 2023. The conclusion of this year is already looking more promising than the fall, and everyone is really eager for a strong year in 2024! 

We’re ending 2024 on a semi-positive note with mortgage rates falling as we head into December 2024. It’s a nice change coming from the fall where we saw pending home sales drop to a record low (even worse than the numbers seen in the great financial crisis of 2008/2009. So what’s the future hold in store for mortgage and real estate in 2024?!?

Mortgage rates were trending down for their third straight week. Mortgage application demand increased in response to the decline. This is such welcome news relative to the highs from just a few short weeks ago. Hopefully this sets a precedent moving towards the end of 2023, because Lawrence Yun, Chief Economist of NAR is expecting a 15% increase of existing home sales – and – mortgage rates to st...

Last week a new article came out that the Agent commission lawsuits cast long shadow over VA, FHA borrowers, but we’re pretty certain there will be modifications to that before making it all the way down to the consumer. Meanwhile, mortgage rates took a breather and continued to get EVEN better so far this week.

Wow talk about 2 competing headlines last week. The Federal Reserve paused interest rate hikes and a MASSIVE lawsuit was decided last week leaving Real Estate Agent commissions in the crosshairs in the future. On both counts there is still a lot of dust to settle, but for now, check out what we think is happening and what it means to us all.

We know that solutions may feel few and far between right now, but this week we kick off the show with two topics that could very well open up finance options for homeowners! In this episode we discuss:  1. Scenarios that are working in the market RIGHT NOW 2. ADUs can now be sold separately in California and more!

Mortgage Demand Plummets as Rates Hit 8% But Homeowners Still Have Options. The mortgage crunch continues to make national headlines as the industry and consumers battle increasing interest rate environments as well as affordability in the housing sector. Despite this, homeowners who have secured a low interest rate first loan still have access to large amounts of home equity, thereby creating num...

The Mortgage Bankers Association, National Association of Realtors, and National Association of Home Builders called on the Fed to provide market certainty about its rate path. Ongoing uncertainty has exacerbated housing affordability and even consumer sentiment is starting to take its toll...but!.... BUT there are STILL SOLUTIONS in the market for homeowners and your home equity could be the hero...