What's Your 1 More?

Are you ready for a potential game-changer in the housing market? In this episode, Quinton dives deep into the Federal Housing Finance Agency's (FHFA) decision to adopt the new VantageScore 4.0 credit scoring model. With the rollout delayed until late 2025, Quinton explores the implications of this move, which could open up home loan eligibility to a staggering 33 million more Americans. From the...

Are fast food giants like Wendy's taking advantage of consumers with AI-driven dynamic pricing? In this eye-opening episode, we discuss the controversial $20 million investment Wendy's is making in digital drive-through boards equipped with artificial intelligence. Quinton exposes the truth behind Wendy's so-called "dynamic pricing" strategy, which could lead to customers paying significantly more...

Could cooling inflation finally lead to a rate cut? In this episode, Quinton Harris analyzes the latest PCE data showing inflation slowing down. He also discusses the increased chances of a cut sooner than markets expect as the economy shows signs of deterioration. Lastly, Quinton exposes massive data breaches in the mortgage industry compromising private information, and calls out Zillow for ille...

Will the 2024 presidential election lead to lower interest rates? In part two of this lending update, Quinton and Daniel analyze whether the upcoming election could spur rate cuts, just as rates have fallen in past election years. They discuss the Fed's outlook amid fragile optimism in markets, signs of labor weakness, and differences between key inflation measures. With forecasts predicting every...

In this episode, Quinton Harris is joined by Daniel Halvorsen for a two part lending update on the latest strategies and products in the mortgage lending world, focusing on grants, home equity lines, second mortgages, and how to secure the best mortgage rates. If you work in real estate, or will be considering buying or selling a home in the next 12 months, you won’t want to miss this episode.&nbs...

This week, Capital One completed its landmark acquisition/merger of Discover Financial to become the nation's largest credit card provider, sparking speculation about the combined company's potential influence over the market. Meanwhile, the Justice Department called for an injunction against real estate brokerage commissions and compensation offers, representing a "step backward" for the industry...

Are you curious about what's ahead for interest rates? In this episode, Quinton reveals why he believes the Federal Reserve will likely lower interest rates in their March meeting, despite some contrary opinions. He breaks down the nuances of inflation readings, particularly the PCE (Personal Consumption Expenditures) index, which the Fed closely monitors. With PCE readings hovering around the Fed...

How often do you hear talk about housing, stocks, or cryptos, yet the real bubble is right under our noses? Consumer debt. In this eye-opening episode, Quinton Harris pops the bubble theory on markets and assets. Instead, he traces the red flags to American's wallets and uncovers the buy now, pay later epidemic inflating a full-fledged consumer credit crisis. Quinton analyzes fresh intel from the...

Will the Fed actually save America’s struggling economy? In this episode, Quinton Harris closely analyzes Fed Chairman Jerome Powell’s eyebrow-raising “60 Minutes” interview. From Powell’s growing celebrity to the inevitable tax hikes around the corner, Quinton breaks down statements that don’t seem to add up, calling the Fed’s independence and priorities into question during this critical electio...

Could a court ruling upend decades of standard real estate commission structures? In this episode, Quinton interviews James Kleimann, managing editor at HousingWire Magazine, about the recent verdict against broker commissions and what impacts it could have for real estate agents and home buyers/sellers. They discuss the details of the Sitzer/Burnett antitrust case, predictions for how this preced...

In the final episode of our three part series on credit, Quinton Harris interviews Tracey King, COO of Partners Credit Verification Solutions. They discuss common misconceptions about credit scores, how mortgage credit reports differ from sites like Credit Karma, the impact of credit inquiries, upcoming changes like VantageScore 4.0, how medical debt is handled, whether credit repair services are...

In this episode, Quinton explains how to improve your credit score. He offers a wealth of knowledge on how to effectively manage and improve your credit rating. Whether you're starting from scratch, looking to boost your score, or aiming to maintain an excellent rating, Quinton provides practical tips and lesser-known strategies. From the importance of payment history to the impact of credit utili...

In this episode, host Quinton Harris provides an in-depth look at credit - defining key terminology, explaining the differences between consumer-facing credit reports and mortgage credit reports, detailing what goes into credit scores, and more. He pulls back the curtain on the lending industry to help listeners understand credit at a deeper level. If you want to improve your credit or protect the...

In this episode, host Quinton Harris and co-host Daniel Halvorsen provide a detailed analysis of the current economic landscape. They focus on mortgage rates, the job market, and inflation, offering a comprehensive understanding of the Federal Reserve's potential actions and their impact on the mortgage industry. If you’re in the real estate business or looking to buy or sell your next home, this...

In this mortgage lending update, Quinton and Daniel discuss rate forecasts for 2024 from major industry players like NAR, Fannie Mae, and the Mortgage Bankers Association. They also talk about what lessons we can learn from the unpredictable 2023 rates, the outlook for 2024 home sales amid stable rates, tax tips for homeowners and self-employed borrowers, and strategies to get the best mortgage ra...

Have you ever wondered if that mortgage rate is truly the "best" deal or just the one in front of you? In this episode, Daniel Halvorsen gives a masterclass on landing the ideal rate — one that balances both numbers on paper and your unique homeownership goals. He outlines insider strategies you won’t find on any blog. Whether you’re just daydreaming or ready to ink the papers, Daniel charts the p...

Struggling to break into the real estate market and buy your first home? What if I told you there's a little-known, one-time strategy that allows you to buy a multi-unit property for as little as 3.5% down while living in one unit and renting the others to cover your mortgage? It's called house hacking. So how can you take advantage of this "once in a lifetime opportunity" to score your first rent...

Best selling author Damon West shares his incredible story of finding purpose and redemption amidst extreme adversity. From a promising football career cut short, to the temptations of addiction and a descent into crime, Damon recounts his struggles with raw honesty. We travel with him into the darkness of maximum security prisons ruled by ruthless gangs and constant violence, where a life-changin...

Stuck with high-interest credit card debt? Wondering how to get out from under it? In this episode, Quinton poses an eye-opening question – how long would it actually take to pay off a $10,000 balance if you only make minimum payments? He walks through real examples showing how interest costs balloon out of control. Quinton ends the episode by offering 5 practical strategies to slash credit card d...

Ep. 124 - 2024 Housing Market Trends & Market Outlook Will 2024 bring the greatest market crash in our lifetimes? In this episode, Quinton analyzes this prediction in depth, providing his own housing market outlook for the coming year. Amid high inflation, rising interest rates, and an impending presidential election, many are concerned the bottom may fall out from under the real estate market...

Did you or someone you know buy a home amid rising rates, only to face potential regret as rates fall—perhaps rapidly? What threats do plunging interest rates pose not just to you, but also to lenders? In this episode, Quinton spotlights the double-edged sword of declining rates. He walks through the mortgage lifecycle, explaining the concept of early payoffs (EPOs) that recently-inked loans face....

In the final episode of 2023, Quinton Harris and Daniel Halvorsen forecast interest rates for the year ahead and equip you with the tools needed to interpret the markets yourself. They analyze the latest economic data on inflation and jobs, explaining how it impacted markets and rates towards the end of 2023. They also discuss potential for the Fed to orchestrate a "soft landing" for the economy a...

In the final lending update of the year, Quinton and Daniel discuss the increases in loan limits for 2024, which are tied to rising home prices nationwide and locally. They explain how higher limits give more home buying options and access to buyers. Daniel also shares free tools and resources that Bank of England has created to educate and assist potential buyers on topics like boosting credit, b...

In this special episode, we re-air the best highlights from our interview with Dr. Steve Tufts. This is a timely episode as he focuses on achieving goals through focused action steps rather than just setting ambiguous resolutions. He shares how to adopt an achiever mindset rather than a victim mentality, emphasizing the importance of accountability, ownership, and taking initiative. If you want to...

In this episode, Quinton provides an in-depth analysis of the Fed's latest decision to pause interest rate hikes. He discusses how this pause aligns with expectations based on recent economic indicators showing inflation cooling down. Key topics include interpreting the Fed dot plot forecasts, analyzing trends in birth rates and household formations, anticipating the impact on mortgage rates and h...