The Mortgage Reports Podcast

Is buying a house during a recession a good or bad idea? An economic downturn could be an opportune time to buy a house, but it could also bring along financial instability and stress.  In this episode mortgage expert Shivani Peterson NMLS# 866955 discusses the pros and cons of buying a house in a recession. He goes into detail about - Home prices during a recession - Mortgage rates  - Financial s...

Living with roommates? Why not buy a home and have your roommates pay rent to you!? This "house hack" is a path to homeownership that not a lot of people use.  In this episode, Ivan Simental NMLS# 1762746 talked about house hacking:  - What mortgage loans are available?  - What rules and other requirements are there?  - How can this help make home-buying more affordable?  The Mortgage Re...

Home buyers in 2022 can receive tax benefits and tax credits that could reduce the cost of buying a home.  In this episode Ivan Simental NMLS# 1762746, discusses:  - Updates on President Biden's proposed home buyer credit - Advice for buyers who are wondering about potential tax credits - How tax advantages associated with purchasing a home might reduce the cost of buying and homeownership -...

Many homebuyers and homeowners are wondering how the housing market might be impacted if the economy turns into a recession.  In this episode, mortgage expert Arjun Dhingra NMLS# 1166050, discusses the questions that are on everyone's mind as forecasts of a recession loom:  Will home prices decrease or increase during a recession?  Should you buy a home during a recession or wait?  Should you...

Homeowners are sitting on a lot of equity. You might be wondering if now is a good time to refinance in order to access that equity - even with rates being higher?  In this episode, mortgage expert Shivani Peterson NMLS# 866955, goes over scenarios where refinancing at a higher rate might be worth it and scenarios where you should wait to refinance.  Homeowner equity is at an all-time high – so pe...

The fed continues to increase mortgage interest rates. The good news is that it might now be bad news for home buyers. There is a silver lining here! So if you're hoping to buy a home in the current market, this episode is for you.  Mortgage expert, Shivani Peterson NMLS# 866955, breaks down the current housing market with rising rates:  The economics of how the Fed has to tackle inflation Ho...

The Closing Disclosure can be confusing at first glance. It is an overview of your final home loan costs - including your closing costs. This important document should be read thoroughly to ensure that you fully understand the costs associated with your new home loan. The closing disclosure includes explanations for costs, such as - closing costs, loan fees, interest rate, real estate taxes, home...

Financial planning is key to buying your first home and securing a financially successful future with a new home.  From ways to save money with mortgage loan products, to tips to possibly reduce your mortgage and advice to plan a monthly budget while factoring in your new mortgage.  In this episode, Shivani Peterson NMLS# 866955 reveals some great budgeting tips and homebuying hacks to save you mo...

Real estate investing can be very expensive and may feel unattainable to some potential investors. However, it remains one of the best investments to make. Rental properties can be lucrative and profitable.  The good news is that there are several ways to finance an investment property even if you don't have loads of cash on hand. In this episode, mortgage expert Shivani Peterson NMLS# 866955...

Different scenarios exist for homeowners to improve their loans through a refinance even as inflation pushes rates higher. So, is now a good time for YOU to refinance? In this episode, Ivan Simental NMLS# 1762746 discusses who would benefit the most from refinancing in 2022 - and, who should wait.  Most industry experts predict interest rates will rise throughout the rest of 2022 given the Federal...

With home prices skyrocketing over the last two years, and interest rates on the rise, many folks in the mortgage industry — and outside of it — have been heard using the term "housing bubble." As a homeowner or home buyer, how concerned should you be when you hear that term? We explain why real estate buyers shouldn't worry about a housing bubble in the near future. The Mortgage Re...

If you're feeling uneasy with the current housing market in 2022 - you're not alone. Lots of new and experienced home buyers are struggling to decide if they should buy now or wait. It's natural to feel scared to make a large purchase in uncertain times.  In this episode, mortgage expert Shivani Peterson NMLS# 866955 addresses the biggest fears plaguing home buyers today and how to...

Mortgage rates have been increasing since the beginning of 2022. Now, it's May 2022 - and you probably have lots of questions.  In this episode Shivani Peterson NMLS# 866955, answers some of the most important questions about rising rates:  When will mortgage interest rates stop rising?  How high will rates get before they plateau? How will rising rates impact the housing market?  Why is the...

There are simply not enough houses right now to meet the demand of home buyers. This shortage tips the housing market in the seller's favor - driving inflated home prices. But, what exactly is driving the lack of inventory? In this episode, mortgage expert Arjun Dhingra NMLS# 1166050 discusses the 2 main reasons why inventory is so low and what to expect going forward. Learn more about home b...

 Mortgage rates are already well above 4% -- which, previously, was the highest many experts thought they'd go in 2022. Now, how high do we think rates could go before the end of the year? Will they plateau, and when? In this episode, Ivan Simental NMLS# 1762746 delivers the best insight on mortgage rates rising in 2022 and beyond. The Mortgage Report Podcast presented and operated by FULL BE...

If you've found your dream home and are desperate to buy it, writing a letter to the seller could definitely benefit you says themortgagereports.com podcast host Ivan Simental NMLS# 1762746. Learn more in this episode! The Mortgage Report Podcast is presented and operated by FULL BEAKER, INC. NMLS# 1019791 Equal Housing Opportunity. Learn more about home buying and refinancing at themortgager...

Rising inflation will impact home buyers and homeowners alike, but don't expect a crash. Here's how inflation is affecting housing in 2022. In this episode, Ivan Simental NMLS# 1762746 discusses inflation and homeownership.  The Mortgage Report Podcast is presented and operated by FULL BEAKER, INC. NMLS#1019791 Equal Housing Opportunity. Learn more about buying and refinancing your home...

It's a common problem for buyers in the market today: Find a house you love. Make an offer. Get beat out by an all-cash offer. But you don't have to relive the same scenario again and again. Believe it or not, it is possible to win against an all-cash offer.  In this episode, Ivan Simental NMLS# 1762746 discusses his tips and strategies you can use to beat an all-cash offer.  Learn more...

The real estate market has seen a lack of inventory, resulting in bidding wars and causing house values to rapidly increase. Does a higher purchase price automatically mean a higher down payment? Is it even possible to buy a home with a low down payment in 2022?  In this episode, Ivan Simental NMLS# 1762746 discusses how to make financed offers with low down payments or down payment assistance mor...

While rising rates can hurt affordability, will they also help buyers by reducing demand? Will competition for homes be less due to high rates? Will home values drop? In this episode, Ivan Simental NMLS# 1762746 discusses the current and future state of home buying and the increasing interest rates. Learn more at https://themortgagereports.com/ The Mortgage Reports Podcast is operated by Full Beak...

Over the past couple of years, home prices have grown exponentially. And now, interest rates are rising, too. If you're looking to buy a house soon you might be wondering if you should buy ASAP or wait and see if the market cools in 2023.  In this episode, Ivan Simental NMLS# 1762746 breaks it all down for those of you who are weighing a decision like this and helps you decide if homeownershi...

Home prices have been surging for the past few years. Will this trend continue into 2022 and beyond? In this episode, Ivan Simental NMLS# 1762746 discusses his predictions in the real estate market.  Learn more home buying, selling, and refinancing tips, tricks, and hacks at themortgagereports.com The Mortgage Reports Podcast is operated by Full Beaker, inc. NMLS# 1019791 Equal Housing Opportunity...

With interest rates going up, will home price growth finally go down? It’s a fair question. And while it’s something home buyers desperately hope for after what we’ve seen over the past year, the answer isn’t totally black and white. In this episode Arjun Dhingra NMLS# 1166050 discusses the following points: How will home prices be affected by inflation? Where does affordability go from here? Is t...

The Federal Reserve will move forward with tightening its fiscal policies in 2022, just not as aggressively as originally planned. In this episode, Arjun Dhingra NMLS# 1166050 discusses why borrowers looking to refinance or buy a home should act quickly before interest rates likely increase in the months ahead. The Mortgage Reports Podcast is operated by Full Beaker, inc. NMLS# 1019791 Equal Housi...

A bridge loan can help ease some of the financial strain that comes with selling one home while buying your next home or investment property. If you're planning on using the profit from selling your current home towards another property, a bridge loan might be for you. In this episode, Arjun Dhingra NMLS# 1166050 teams up with Sofia Nadjibi, President of Golden Gate Lending to explain what a...