What's Your 1 More?

Pavan Agarwal, CEO of Celligence International and Sun West Mortgage Company, joins Quinton Harris to discuss how AI technology is transforming the mortgage industry. They discuss Pavan’s latest product, Angel AI. Angel AI can analyze loan documents and data to provide instant decisions, reducing human error and speeding up the lending process. Agarwal explains the empathetic AI his company has de...

Struggling to buy investment properties because of cash or credit barriers? What if you could take over and start collecting rent on a seller's existing mortgage without ever qualifying for your own loan? That’s the technique real estate expert Chris Prefontaine unpacks with Quinton in this episode as they explain “Subject To” deals. If you want to unlock an entirely new world of highly profitable...

In this episode, Quinton Harris examines the now failed partnership between Apple and Goldman Sachs regarding their once-promising credit card partnership. He analyzes what went wrong, from Apple's unreasonable demands around customer data, fees, and payment cycles to the impact of rising interest rates on defaults. Ultimately, egos and a clash between tech and banking led to billions in losses an...

In this episode, Quinton walks through his projections and predictions for how interest rates and the housing market may shape up in 2024. He analyzes data points that indicate where rates could head in the coming year. Covering the latest jobs reports, inflation metrics, and mortgage applications, he explains the key indicators that foreshadow rate movement. Quinton also explores how real estate...

Have you ever wondered just how much money Americans spend during Black Friday? This year topped all expectations, raking in billions of dollars in online sales over Thanksgiving weekend. So what drove these astronomical numbers in our current economic climate of high inflation and recession worries? Quinton analyzes the data and statistics behind the holiday shopping frenzy. He explores factors l...

With savings low and debt high, how will American consumers fare this holiday shopping season? Quinton spotlights a concerning new report on plunging savings rates and ballooning household debt. Detail after alarming detail reveals strains - only 35% could handle a $2,000 emergency, 18% sought higher credit card limits last month alone, and over 1 million may default on student loans. Quinton asks...

In this episode, Quinton Harris analyzes the latest economic indicators showing that the Fed's interest rate hikes are starting to have an effect, including slightly lower inflation readings, increased jobless claims, and expectations that the Fed will pause rate hikes in December. Quinton believes this lag effect will continue, likely leading to lower rates in 2024 that could boost real estate an...

In this episode, Daniel Halvorsen joins Quinton Harris to discuss the latest in mortgage lending. Topics covered include the return of Florida's Hometown Heroes down payment assistance program, Bank of England Mortgage's new instant loan funding process at closing, strategies to help move-up buyers get new mortgages in today's environment, analysis of recent jobs reports and what they could mean f...

In this episode, Quinton examines the rising tide of credit card debt, now topping $17 trillion and leading to a surge in delinquencies especially among millennials. With interest rates stuck near 20-25%, now may be the ideal time to tap record home equity levels to pay down crippling high-interest debt. We discuss another regional bank failure, a recession red flag, and strategies for mortgage or...

Have you noticed some questionable tactics creeping into the mortgage industry lately? In this episode, Quinton Harris shines a light on some of the turbulent forces reshaping the mortgage environment right now. He asks, how can lenders like Guaranteed Rate justify offering huge signing bonuses to attract talent in 2020-2021, only to sue workers to claw the money back a few months before their two...

In this episode, Quinton analyzes the Federal Reserve's recent decision to pause interest rate hikes, including Chairman Jerome Powell's remarks about the state of the economy. He also discusses the October jobs report data and what the employment numbers may indicate about the health of the labor market. Other topics covered include consumer debt levels, manufacturing job trends, the current savi...

In this episode, Quinton provides an in-depth explanation of the recent class action lawsuits against major real estate brokerages over alleged inflated commissions, which could bring seismic changes to how real estate is bought and sold. He outlines the background, claims being made, settlements reached, potential outcomes, and what it all means for the future real estate landscape. Though uncert...

With the Fed's next move looming, it's a high-stakes moment for Powell's legacy. Will he be remembered as the Fed Chair who steered us into a repeat of 2008 or as the inflation slayer who brought prices under control? Quinton follows the breadcrumbs and sees reasons for concern. Skyrocketing credit card balances, evaporating personal savings, the lock-in effect paralyzing housing. The data hints w...

In this episode, we break down the forces causing mayhem in the bond market. Think of it like a tsunami of Treasuries flooding in with barely a trickle of buyers. Massive government spending has jacked up supply, while the Fed, foreign countries, and quantitative easing have evaporated their demand. To lure in more buyers, the government is cranking up bond yields. But this sparks a ripple effect...

This episode provides a look into the latest major lending updates, and critical mortgage guideline changes. Daniel Halvorsen joins Quinton Harris to unpack new guidelines that will substantially improve homebuyer affordability. They also dive into a detailed analysis of interest rates and the job market. They break down metrics like core CPI, jobless claims, wage growth, job quits, and more to pr...

In a desperate plea, three major housing groups - the MBA, NAR, and NAHB - sent an urgent letter urging the Fed to stop raising interest rates. They warn that the rapid rate hikes are destroying housing affordability and pushing the economy towards a recession. The industry asks the Fed to think about the impact on homebuyers and communities. But will the Fed listen? In this episode, Quinton Harri...

In this episode, Quinton examines the September jobs report and explains why the headline numbers don't tell the full story. Despite far exceeding expectations by adding 336,000 jobs, he notes the growth was largely driven by seasonal adjustments and increased government hiring. The report also showed a record number of people holding multiple jobs and a continued loss of full-time roles, both sig...

Have you ever heard the word “Greedflation”? In this episode, Quinton explores the rise of private label brands compared to big name brands, citing data showing nearly 90% of consumers are willing to switch to store brands due to inflation. While corporations claim inflation drives price hikes, their volume drops are minor compared to price increases - suggesting greed is also a factor. We also ex...

On this special 100th episode, host Quinton Harris is joined by an eighth-generation member of the Hennessy family, Maurice Hennessy along with the SVP of LVMH USA, Marc Nicolosi, and Private Client Director of LVMH USA, Rhonda McDonald for an exclusive cognac tasting. Maurice provides a masterclass on cognac creation revealing insider secrets spanning 8 generations. The panel sips Paradis Impéria...

Do you think home prices will be coming down? In this episode, we analyze the July housing data to make sense of where home prices are headed in this high inflation, high interest rate environment. Quinton reviews the latest appreciating home price indexes from FHFA and Case-Shiller. What do these widely-followed monthly barometers forecast for home values and buyer demand? Are cash buyers still g...

Have you ever heard of the Federal Reserve’s “dot plot” map? In this episode, Quinton provides an in-depth explanation of this map. He outlines how the dot plot was created in 2012 during the Great Recession recovery as a way for the Fed to provide forward guidance on interest rates. The dot plot is released quarterly and shows projections for the Fed funds rate from Fed officials over the next fe...

In this episode, we break down the latest commentary from the Federal Reserve chairman, Jerome Powell. With no rate hike at their recent meeting but expectations for one more before year's end, we sound the alarm on runaway government spending adding over $1 trillion to the national debt in just 3 months. Fed Chair Powell's lack of criticism on deficit spending is contrasted against the vocal Volc...

What can we learn from real estate down undah?? In this episode, we’re joined by John Foong, Chief Revenue Officer (CRO) at Domain, an Australian real estate company. John has previously worked at Google and Uber and shares his insights from his experience in different parts of the world with other companies. You’ll learn the differences and similarities between the American and Australian real es...

Do you know why Jacksonville is becoming a national powerhouse in such a short time? The answer is with us today! In this episode, we’re joined by former Jacksonville Mayor Lenny Curry. We discuss the many accomplishments of Curry's 8-year tenure as mayor, from transforming Jacksonville from a mid-metro to a major metro during the pandemic. We dive into the infrastructure growth due to population...

A viral social media post has surfaced that predicts 40% of all single-family homes in America will be owned by Wall Street by 2030! Or will it? In this episode, we uncover the current state of the U.S. housing market, and whether or not we’re entering a rental economy as the headlines suggest. With actual data showing the real stats calling for Wall Street ownership, this will provide financial l...