The Mortgage Voice

Jeff contemplates the disparity between the advantaged and disadvantaged in the rapidly evolving real estate market. The better opportunities for the upper echelon of the mortgage industry compared to smaller companies are reflected in the imbalance between those with more money and better credit and groups with fewer resources that are less financially secure. How can the discrimination gap be br...

Jeff ponders the many issues being faced in the real estate market, from skyrocketing rates and loan costs to the specter of lending bias, to the possibility of fraud with loans increasingly more difficult to get. What are the pitfalls and caveats to consider when trying to secure a home loan? Guests Josh Thompson, Bill Orr, and George Gonzales provide some insight on how to navigate through obsta...

Jeff details the marked trajectory mortgage rates have taken since the beginning of the year. The number of properties on the market has declined, and multiple parties are bidding for those that are obtainable, driving prices out of reach for most people. What assistance is available to help more people become homeowners? Guests Eddie Rael, Charles Giscombe, and Brenda Scott offer some options tow...

Jeff breaks down the importance of locking in a loan rate. With rates rising at a pace not experienced in 40 years, securing a lock-in is more critical than ever. What essentials will help lenders guarantee an affordable rate before rates get even more astronomical? Guests Lena Waltham, April Lopez, and Arzo Yusuf shed some light on this subject, as well as on the humanitarian issues of human traf...

Jeff delves into the myriad distractions that keep us in an almost constant state of worry, whether it’s family issues, inflation, war, or local and world news. Layer this on top of considering buying a home in the current climate, and it’s almost too much to take in. How can you stay focused? Guests Charles Giscombe, Connie Hernandez, and Mike Torres target some options to help streamline the pro...

Jeff sheds some light on how interest rates have climbed to an astronomical height in the first three months of this year, with a rapidity not seen since 1994 for a similar time period. Will rates continue to escalate, and is there a reprieve in sight for the average homebuyer? Guests Jennifer Conrad, Stacy Hartmann, and Jennifer Long discuss rates and share some products designed to bring more bu...

Jeff examines how the 24/7 news cycles continually remind us of how inflation, Covid, and the war in Ukraine are making everything more expensive and add to the anxiety of those who are already concerned about how all of these events leave them with less money and fewer opportunities to buy a home. Guests Annie Chin, Ciro DiPalma, and Charles Giscombe offer solutions, discussing QM products, prici...

Jeff ponders the catastrophic effects of war on the people caught in the middle of something they cannot escape from and relates how something happening halfway around the world touches us here in the US. How will it affect our day-to-day living? Guests Noah Shuffman, Anthony Alleva, and LaWanna Bradford share information on market and rate volatility, wholesale products, and an update on the Altl...

Jeff explains how the global economy is in a state of flux now that Russia has declared war on Ukraine. Inflation, already rising because of Covid, will be impacted by events in Europe as investors look for a safe haven away from the volatility inherent in wartime economics. What does this mean for interest rates and mortgages? Guests Brenda Scott, Wendy Van Wessel, and Charles Giscombe discuss lo...

Jeff outlines the different elements causing such dynamic shifts in the mortgage market. Upheaval in Ukraine, the specter of a recession, and inflation are all contributing factors to the daily changes in rates. How can homebuyers plan amid so much uncertainty? Jeff shares where to watch for the most reliable rate indicators. Guests Ed Peisner and Livier Becerra advise on internet safety and home...

Jeff breaks down the inherent difficulties for anyone looking to buy or sell a home in the current financial climate. Inventory is about as low as it’s ever been, prices are high, and available properties are languishing. What can buyers and sellers do in such a tight market? Guests Justin Hardman, Nina Penny, and Connie Hernandez offer some ways to help.

Jeff weighs the pros and cons of the current mortgage climate, from the effect of the weather on housing sales to the surprising developments in the foreclosure process. Even with low property inventory, rising rates, and inflation, is it still a good idea to try to buy a home right now? Guests Charles Giscombe and George Gonzales share their perspectives on that very question.

Jeff encourages listeners to adopt a “Be Here Now” mindset when purchasing a new home. Buying in a hurry just to get a lower rate could result in settling for an undesirable property, but waiting for the expected changes in the economy over the next few months might make all the difference. Guests Taryll “Big Tex” Robinson and Mikke Pierson discuss smart investing and business coaching.

Jeff contrasts positive and negative inflation, and how we individually experience it shapes our opinion of it as a good or bad thing. Inflation affects almost everything in some manner, so where is it beneficial? Jeff's guests Laurie Preedge and Cindy Matthews share the latest on HELOCs and the limited housing inventory in SoCal.

Jeff sheds some light on the many economic elements that contribute to inflation: those that are transitory and those that are more long-term. What are the aspects to be concerned about, and is there relief in sight? Guests Jason Frasier, Richard Greene, and Gentile Chhun delve into loan options, real estate, and house flipping in this evolving financial landscape.

Jeff examines how debt affects the world economy, with examples of what we can expect in the coming months and comparisons to past financial climates. Global economic difficulties are a concern right now and always something to be mindful of, so what possible repercussions will we see here in the US? Guests Oscar Carboni, Wendy Van Wessel, and Meredith Schlosser discuss Wall Street's effect on int...

Low interest rates and high demand creating a shortage of homes, Covid changing how and where people need to live to work, high inflation - all of these and more have impacted the mortgage market over the past year. Jeff takes a look back at 2021, with guests Connie Hernandez and Charles Giscombe forecasting what’s ahead in the industry in 2022.

Jeff explores the different types of anxiety that have been brought on by the pandemic and are fueling the current spending habits of consumers. Not surprisingly, this has contributed to inflation, but how long we can expect the situation to continue? Guests Justin Simpers and Kurt Lehrmann look into cash-out refinancing and non-traditional loans.

Jeff details the various indicators of where the market is heading leading up to and into the new year. Rumbles of uncertainty in other parts of the world, the continuing overlay of Covid, and government tapering are all coming together to make their mark on mortgage rates. Guests Jill Denton and Nina Penny report on real estate hot spots and reverse mortgages.

Jeff delves into how Omicron, the latest Covid variant, is causing volatility in the mortgage market and affecting the way consumers are choosing to spend their money. Will lower rates and overall pandemic fatigue translate into more people buying homes? Guests Reed Blake and Phil Berson weigh in on business lines of credit and issues with housing inventory in the LA area.

Jeff examines the differences between wage and supply-side inflation and the unique ways they affect the economy. Can inflation actually be a beneficial thing? Guests Christian Ramos, Dr. Jeannie Bertoli, and Josh Thompson share their views on conventional interest rates, societal volatility, and catalysts that spur economic growth.

Jeff delineates the qualifications brokers and lenders consider when ascertaining the right home loan for each borrower. To prepare consumers for their loan search, he advises what trends to track, the predictable things to watch for, and warns that lenders adjust their risk level in response to unpredictable local and global events. Guests Darren Woodworth and Eric Morgenson shed light on the sel...

Jeff outlines the direct correlation of global events to the mortgage rate in the US. The changes in China’s economy from an agrarian to an urban/middle-class society have spurred unprecedented growth and higher consumption rates of American raw materials, affecting how we spend money here. Guests Connie Hernandez, Robert Perez, and Noah Shuffman present the latest on loans, investment properties,...

Jeff explains pricing-in - how lenders use the information shared by the government on the proposed direction of interest rates to determine the setting of mortgage rates. With more homes on the market, now might be a good time for borrowers to take advantage of pricing-in to lock in a favorable loan rate. Sharon Moten, Charles Giscombe, and George Gonzales offer their insights on making it happen...

Jeff focuses on the underlying causes that drive whether rates will go up or down. Global events like the pandemic have a domino effect on everything else, creating uneasiness in financial markets around the world. How will consumers be able to afford a home loan in this climate? He and his guests Michelle Wilde and Clint Brown discuss loan assistance programs and the future of solar energy.