What's Your 1 More?

In this episode, we dissect a recent CNN article that claims zero down mortgages are a "shady financial tool" making a comeback from the 2008 housing bubble era. The media's obsession with negative housing news is leading to clickbait headlines and fear mongering. By breaking down the differences between today's regulated mortgage industry and the risky lending practices of the past, this episode...

In this episode, former SEC & NBA star and SEC Network analyst Patrick Young shares his remarkable journey of faith, resilience, and finding purpose after a devastating car accident left him paralyzed from the waist down. Just days before his wedding, Patrick's life was forever changed, but he refused to let fear and adversity define him. Through the unwavering support of his wife, family, and...

In this episode, Quinton Harris and Producer Charlie sit down with Nick Reiherzer, a former music director turned Instagram fitness influencer with over 200,000 followers. Nick shares his inspiring journey of overcoming chronic knee pain in his 30s and using that challenge as motivation to start documenting his fitness journey on Instagram. With zero initial investment and a commitment to consiste...

Are you trying to make sense of the rollercoaster ride that is today's mortgage rates? In this episode, Quinton and Daniel dive deep into the latest economic data, dissect comments from Atlanta Fed Chairman Raphael Bostic, and debate the burning question: Will the Fed cut rates in 2024? Along the way, they explore the intriguing relationship between the CPI, PCE, and mortgage rates, reveal why the...

In part one of May’s lending update, Quinton and Daniel Halverson dive into the latest financial headlines. With a staggering 11 trillion dollars in accessible home equity and consistent home price appreciation, they explore the opportunities for homeowners to leverage their equity and position themselves for future moves. As interest rates remain a hot topic, they share insights from their conver...

In this episode, we examine the latest inflation data, analyzing the Consumer Price Index (CPI) and Producer Price Index (PPI) reports. The discussion covers the factors driving core inflation, such as shelter costs and motor vehicle insurance, and explores the potential impact on mortgage rates and the broader economy. The episode also touches on the softening labor market, the Federal Reserve's...

A recent New York Times article claims that renting a house could save you $133,000 compared to buying. In this episode, Quinton debunks the article's flawed assumptions using real-world data, proving that homeownership remains the better long-term financial decision. He also explores the current economic landscape, including rising credit card debt, delinquency rates, and the "Buy Now, Pay Later"...

Are we heading towards a period of stagflation, and what could that mean for the U.S. economy? In this episode, Quinton simplifies stagflation, exploring its definition, causes, and potential consequences. He examines warning signs in the current economy, such as the savings rate, credit card debt, and recent earnings reports from companies like Starbucks and Keurig. He also discusses the Federal...

Are you curious about what’s going on with the economy and mortgage rates? In this episode, Quinton breaks down the May 1st Federal Open Market Committee meeting, where the Fed chose to maintain a pause on interest rate hikes. Quinton discusses the implications of the Fed's shift towards less restrictive policies, including their plan to purchase treasuries and the potential for mortgage rate reli...

In part two of the April lending update, Quinton and Daniel discuss the latest developments in the real estate and mortgage industry. They explore the clarity provided by Fannie and Freddie regarding buyer broker commissions and seller concessions, and unpack the ongoing rate debate. They analyze economic data, job reports, and the Federal Reserve's stance on inflation, providing valuable insights...

In this episode, you'll discover that despite a 30% year-over-year increase in inventory nationwide, the market is still recovering from the extremely low levels seen in 2022. We also explore the Fannie Mae Home Purchase Sentiment Index, which shows that while consumer views are slowly improving, high interest rates remain a significant barrier to entry for many potential buyers. Watch this episod...

In this episode, Quinton breaks down the Jacksonville housing market, busting the myth of a housing bubble. With a data-driven approach, Quinton analyzes the current demand, supply, and population trends that are shaping the market in 2024. He explores the impact of millennial homebuyers, the city's #1 rank in net migration, and the limited housing supply that's driving prices up. Quinton also com...

Are you worried about a housing bubble bursting? Don't be! In this episode, Quinton dives deep into the current state of the real estate market and explains why the housing market is NOT in a bubble, despite what many fear-mongering YouTubers and social media influencers want you to believe. Quinton breaks down the facts and data that prove the housing market is fundamentally sound, including the...

Have you ever wondered what it takes to achieve the impossible? In this episode, Quinton sits down with Janine Stange, the remarkable woman who made history by singing the National Anthem in all 50 states to honor our nation's heroes. Janine shares her incredible journey of perseverance, from the personal tragedy that inspired her mission to the unexpected adventures and life-changing lessons she...

In this episode, Quinton Harris & Troy Silhan dive deep into the shocking Hunterbrook case files exposing the dark side of the independent mortgage broker industry, uncovering the bitter feud between giants Rocket Mortgage and United Wholesale that's costing unsuspecting homebuyers hundreds of millions in overcharges. We discuss the tactics used by UWM to squeeze out competitors and dominate t...

Will mortgage interest rates drop despite the recent CPI shock? In this episode, Quinton Harris pulls the curtain back on the 0.1 CPI reading that rattled the market and explains why there's still hope for lower mortgage rates. He discusses the flawed system of shelter cost in the CPI, the Federal Reserve's focus on the PCE rather than the CPI, and the encouraging signs of evaporating spreads betw...

Are you ready to take your leadership skills to the next level and unlock your team's full potential? In this episode, bestselling author and renowned leadership expert Jon Gordon shares his invaluable insights on how to overcome negativity and lead with positivity. Drawing from his extensive experience working with elite sports teams and top organizations, Jon reveals the transformative impact of...

Are the stars aligning for a Federal Reserve interest rate cut in May? In part two of this compelling lending update, Quinton Harris and Daniel Halvorsen uncover five crucial signs that point to a potential shift in the Fed's stance. Join them as they dissect the latest inflation data, including the CPI, PCE, and PPI, and explore how these numbers could influence the Fed's next move. With unemploy...

Thinking about buying a home in 2024? In part one of this two part lending update, Quinton and Daniel dive into the latest trends in home prices, affordability, and mortgage rates. Despite widespread predictions of a housing crash, appreciation rates continued to climb in 2023. Will this trend continue? CoreLogic's forecasts and the potential impact of the upcoming election year on the market are...

Are parents jeopardizing their future to keep their adult children afloat? In this eye-opening episode, Quinton uncovers the startling results of a three-year study conducted by Savings.com. The survey, which included 1,000 parents with a median age of 57 and a median household income of $50,000 to $75,000, reveals the staggering financial sacrifices parents are making to support their adult child...

Are we on the edge of a housing market boom? In this episode, Quinton dissects the recent Federal Reserve meeting and Jerome Powell's unexpectedly dovish remarks. Quinton examines the implications for the economy, the housing market, and the likelihood of rate cuts in the near future. He also shares exclusive insider information and historical context to bolster his analysis and predictions, leavi...

  In this episode, Quinton analyzes the proposed NAR (National Association of Realtors) settlement and its potential impact on the real estate industry. Quinton identifies the winners and losers of the settlement, debunks media narratives, and discusses how real estate agents and brokers can adapt to the changing landscape. He also shares his insights on the future of buyer's agents and the p...

In this episode, Quinton exposes the factors holding back housing inventory in the U.S. market. He explores the lock-in effect, where homeowners are reluctant to move due to their comfortable mortgage payments and low interest rates, and the impact of soaring homeowners insurance premiums, particularly in Florida. Quinton shares his personal experience with insurance rate hikes and offers insights...

In this episode, Quinton Harris interviews Brian Sexton, the former voice of the Jacksonville Jaguars for over 20 years. Brian shares his incredible journey from humble beginnings as a young radio announcer in Kansas to becoming the youngest NFL play-by-play announcer at age 25. He discusses the importance of hard work, determination, and finding your vision and frequency in life, especially when...

Is President Biden painting an accurate picture of the U.S. economy? In this episode, Quinton digs beneath the surface of Biden's State of the Union address, exposing the stark realities behind the rosy rhetoric. From the looming national debt crisis to misleading job reports and the Federal Reserve's likely trajectory, Quinton offers a thought-provoking critique of the administration's economic c...