Episodit
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We wanted to take a moment to update you on the recent Federal Reserve meeting and how it could impact your mortgage and financial planning.
What Happened at the Fed Meeting? During their recent meeting, the Federal Reserve (often referred to as "the Fed") reviewed the current economic landscape, including factors such as inflation, employment rates, and overall economic growth. The Fed decreased the central bank's federal fund's rate by a half percentage point, reflecting their ongoing strategy to manage economic stability. According to many experts, the Fed is predicted to continue to shift in this direction.
What This Means for Mortgage Interest Rates: The Fed doesnât directly set mortgage rates, but their decisions heavily influence them.There could be an opportunity for lower mortgage rates, which might make now a great time to consider buying or refinancing.
What Should You Do? If youâre thinking about buying a home, refinancing your current loan, or simply want to review your options, now is the perfect time to get in touch. As your dedicated mortgage professionals, we're here to help you navigate these changes and find the best mortgage solution for your needs.
[00:00] - Introduction and recap of the 50 basis point Fed rate cut
[04:38] - Analysis of Powell's podium speech and Q&A session
[08:02] - Discussion on the Fed's view of the economy and unemployment rates
[11:54] - Critique of the Fed's assessment of economic health
[13:31] - Explanation of quantitative easing and its addictive nature
[15:05] - Analysis of the Fed's dot plot map and future rate projections
[18:41] - Discussion on the job market outlook and Fed's concerns
[19:37] - Explanation of the treasury yield curve inversion and its implications
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In Episode 198, host Quinton Harris and co-host Lenny Curry welcome Tom McManus, former middle linebacker for the Jacksonville Jaguars and current TV personality. This engaging conversation explores Tom's journey from professional football to becoming a multi-faceted entrepreneur and creator. Tom shares insights into his post-NFL career, including his work as a TV host, podcast creator, and aspiring filmmaker. The trio delves into Tom's personal life, discussing the profound impact of his father's legacy and how it shaped his approach to family and career.
[00:00] - Introduction of Tom McManus and his diverse career paths
[01:45] - Tom's drive for constant growth and new challenges
[03:43] - Discussion of Tom's book "We'll Always Be Pals" and his father's inspiring story
[08:22] - Tom's transition from NFL to entrepreneurship and media
[12:30] - The importance of family legacy and creating a lasting impact
[17:05] - Tom's approach to respect, kindness, and faith in business and life
[22:15] - Insights into Tom's creative projects, including screenplays and music
[27:30] - Balancing professional ambitions with family life
[31:45] - The importance of effective communication and engagement in today's world
[34:20] - Analysis of recent Jacksonville Jaguars game and NFL insights
Key Quotes:
"My biggest accomplishment will be that my kids remember me how I remember my mom and dad. That'll be the best no matter how much money I make, what I do in life." - Tom McManus______________________
Connect with Tom:
X: https://x.com/meathead55?lang=en
Instagram: https://www.instagram.com/tom_mcmanus55/
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Bank of England: https://www.boemortgage.com/.
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In Episode 197, host Quinton Harris and co-host Lenny Curry offer a breakdown of the recent Trump vs. Kamala Harris debate. Drawing from Lenny's political experience, they provide insights into the high-pressure world of televised debates and the strategies employed by both candidates.The duo doesn't pull punches as they discuss the debate's shortcomings, particularly the lack of focus on critical issues like the federal deficit, housing crisis, and inflation. They explore the current economic challenges facing Americans and analyze the candidates' performances, including Kamala's composure and Trump's controversial moments. With eyes on the 2024 election, Quinton and Lenny offer listeners an honest perspective on what this debate reveals about the candidates and the state of American politics.
[00:00] - Introduction and debate overview
[01:06] - Lenny's experience with debates and the stress of national televised events
[02:47] - Discussion on moderators and question fairness
[03:43] - Analysis of key issues missing from the debate (federal deficit, housing, inflation)
[05:58] - Economic concerns: credit card debt, part-time jobs, and financial struggles
[10:03] - Kamala Harris's debate performance and composure
[11:47] - The "cats and dogs" moment and immigration discussion
[14:10] - Questioning Kamala's potential presidency and policy changes
[15:13] - Media objectivity and the importance of unbiased reporting
Key Quotes:
"People have access to tons of information and my hope is that people that are unhappy right now, we'll take a look at the policies of the former president and how they worked four years ago and the policies we have now." - Lenny Curry
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What will it take for mortgage rates to drop below 6%? In episode 196, we explore the concept of "the drive for five" and its potential impact on the housing market. We analyze recent survey results showing that 42% of prospective buyers are ready to enter the market when rates hit 5%. Learn about the pent-up demand of 4.2 to 4.7 million potential homebuyers who have been waiting on the sidelines, and how a sustained 5% rate could unlock the "lock-in effect" that's been constraining inventory. Whether you're a potential homebuyer, a real estate professional, or just interested in housing market dynamics, this episode offers crucial insights into how a 5% mortgage rate could trigger a significant shift in the market.
[00:00] - Survey results from Mphasis Digital Risk
[02:31] - Discussion on pent-up demand in the housing market
[04:58] - The lock-in effect and its impact on inventory
[06:39] - Predictions for market changes with sustained 5% mortgage rates
[08:38] - Q3-2024 survey results on mortgage rate expectations
[10:45] - Advice for originators and real estate agents
[12:00] - Closing thoughts on potential market dynamics
Key Quote:
"42% of prospective buyers said, anything with a five handle on, I'm back in the market.'" - Quinton Harris
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Why is the job market suddenly the Federal Reserve's main focus? Episode 195, dives deep into the latest labor market data and its potential impact on mortgage rates. We explore the surprising softening in employment numbers across multiple reports, explaining how these shifts could influence the Fed's upcoming rate decision. Learn which economic indicators are pointing towards a possible 50 basis point rate cut, potentially accelerating the decline in mortgage rates. Whether you're a potential homebuyer waiting for rates to drop, a real estate professional navigating market changes, or simply interested in economic trends, this episode reveals crucial information about the interplay between jobs, Fed policy, and the future of mortgage rates.
[00:00] - Analysis of economic data trends in the job market
[01:45] - Historical context: How we arrived at the current economic situation
[04:42] - Breakdown of recent job openings, ADP payroll, and layoff numbers
[06:45] - Detailed look at the Bureau of Labor Statistics (BLS) report
[09:54] - Federal Reserve's potential response to job market softening
[11:36] - Predictions for upcoming Federal Reserve rate decisions
[12:58] - Impact on mortgage rates and the spread between 30-year mortgages and 10-year Treasury
[14:09] - Outlook for potential homebuyers and the real estate market
Key Quote:
"The federal reserve's biggest concern right now is the labor market running away. And I don't think for one minute that they think a quarter is going to fix that." - Quinton Harris
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Bank of England: https://www.boemortgage.com/.
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What does it take to transition from a drummer to a rock band's frontman? Bobby Amaru, lead singer of Saliva, shares his incredible journey from a young musician in Jacksonville to becoming the voice of a renowned rock band. Amaru recounts his early days of self-taught practice, the challenges of joining an established band, and the dedication that led him to reinvent Saliva's sound. He offers a raw, honest look at the evolution of his career, from his first record deal to achieving viral success on TikTok with his daughter. Amaru's story isn't just about music; it's a testament to perseverance, the importance of sobriety, and the impact of technological changes in the music industry. His insights on songwriting, facing adversity, and finding purpose in music will leave you inspired to pursue your dreams in any field.
[00:00] - Introduction and Bobby's musical beginnings
[02:56] - The challenges he had to overcome on his career journey
[05:27] - What is it like to bring energy to the stage
[07:03] - Why throwing things at artists on stage is wrong
[09:06] - The changing landscape of the music industry and record deals
[18:35] - Bobby's journey to sobriety and its impact on his career
[23:26] - Advice for people starting in the music industry
[29:19] - Salivaâs album "Revelation" and tribute to late bandmate Wayne
Key Quotes:
"I feel like everything that I have done has led me to where I am and I wouldn't change it." - Bobby Amaru
Connect with Bobby Amaru:
Website: https://salivaofficial.com/
Instagram: https://www.instagram.com/bamarude/
TikTok: https://www.tiktok.com/@bobbyamaru
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Why is the Federal Reserve finally acknowledging the need for a rate cut? This episode examines the recent developments at Jackson Hole and the implications for the labor market and inflation. We explore the potential scenarios for rate cuts - 25, 50, or even 75 basis points - and what they mean for the economy. Learn how the unemployment rate and revisions to job creation numbers are influencing the Fed's decisions. Whether you're an investor, a job seeker, or simply interested in economic trends, this episode provides crucial insights into the future of interest rates and their impact on various sectors, including real estate and the stock market.
[00:00] - Introduction and context of the episode[01:00] - Breakdown of Jerome Powell's Jackson speech
[02:00] - Analysis of the labor market's influence on Fed decisions
[05:00] - Unemployment rates and Federal Reserve comfort levels
[09:00] - Examination of job report revisions and their significance
[12:00] - Predictions for upcoming rate cuts and their probabilities
[15:00] - Impact of potential rate cuts on real estate and refinancing
[16:32] - Closing thoughts and anticipation of the September 16th decision
Resources:
https://bit.ly/193resourcesKey Quotes:
"The time has come for the federal reserve to finally acknowledge the rate cut." - Quinton Harris
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Bank of England: https://www.boemortgage.com/.
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What does it take to become a golf legend? In this captivating episode, PGA Hall of Famer Vijay Singh shares his incredible journey from a young golfer in Fiji to becoming a world-renowned professional. Singh recounts his early days of self-taught practice, the challenges of coming from a small island nation, and the relentless dedication that led him to the top of the golfing world. He offers a raw, honest look at the evolution of his career, from his rookie year to winning the coveted green jacket at the Masters. Singh's story isn't just about golf; it's a powerful testament to human perseverance, the importance of practice, and the impact of technological changes in the sport. His insights on competition, facing adversity, and finding purpose in the game will leave you inspired to achieve excellence in any field.
[00:00 - 02:24] - Introduction and Singh's early golfing experiences in Fiji
[02:25 - 05:36] - Singh's journey to becoming a pro and his practice philosophy
[05:37 - 06:47] - Entering the PGA Tour and early career highlights
[06:48 - 07:50] - Challenging opponents throughout his career
[07:51 - 10:35] - The impact of technology on golf equipment and playing styles
[10:36 - 12:23] - Singh's experience playing with his son in the PNC Golf Tournament
[12:24 - 15:44] - Winning the Masters and the green jacket
[15:45 - 17:04] - Favorite golf courses and final thoughts
Key Quote:
"It's easy to hit the ball, but to hit the ball where you want the ball to go, that's the main thing." - Vijay Singh
Contact Vijay Singh:
Website: https://www.vijaysinghgolf.com/
INSTAGRAM: https://www.instagram.com/vijaysinghgolf/
X: https://x.com/VijaySinghGolf
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Have you ever wondered why your Credit Karma score differs from what lenders see? In this eye-opening episode, we unpack the mysteries of credit scores with an industry expert. Learn the real factors that make up your credit score, why medical collections are treated differently, and how to navigate the often confusing world of credit reports. We debunk common myths about credit inquiries and reveal the surprising impact of closing old credit cards. Discover the "1-2-3 credit matrix" for optimal scores and find out why adding your teenager as an authorized user could jumpstart their financial future. Whether you're aiming to boost your score or maintain your excellent credit, this episode provides actionable information to help you make informed decisions about your financial health.
[00:00] - Introduction and importance of credit reports
[01:00] - Defining credit terms and types of credit
[03:00] - Components that make up your credit score
[07:00] - Credit utilization and its impact on your score
[11:37] - The "1-2-3 model" for optimal credit
[15:00] - How to build credit history early
[19:00] - Understanding credit score models and variations
[25:00] - Impact of credit inquiries on your score
[30:00] - Medical collections and recent rule changes
[35:00] - Maintaining a good credit score
[40:39] - Interview with Tracy King Donadio
[45:00] - Differences between consumer-facing and lender credit reports
[52:00] - Discussion on potential credit reforms
[58:00] - Recent changes in how medical collections are treated
[01:04:00] - How to negotiate with collection agencies
[01:05:59] - Warning about credit repair companies
[01:10:00] - Closing segment
Credit Resources:
https://bit.ly/WY1MCredit
https://bit.ly/creditimprove
Contact Tracey:
https://www.linkedin.com/in/tracey-king-danadio-/
https://www.facebook.com/tracey.kingdanadio
https://www.instagram.com/takingdanadio
Key Quote:
âIf you have a credit card, you want to stay below 30 percent debt utilization"
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Bank of England: https://www.boemortgage.com/.
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Have you ever wondered what it takes to survive the unthinkable? In this gripping episode, Lieutenant Brian Murphy shares his harrowing experience of being shot 15 times during the 2012 Sikh Temple shooting in Oak Creek, Wisconsin. Murphy recounts the intense 90-second encounter that changed his life forever, detailing his thought process, actions, and the incredible circumstances that led to his survival. He offers a raw, honest look at the aftermath of trauma and the challenging road to recovery. Murphy's story isn't just about survival; it's a powerful testament to human resilience, the importance of mental fortitude, and the ripple effects of our actions. His insights on leadership, facing adversity, and finding purpose after tragedy will leave you inspired and reevaluating your own approach to life's challenges.
[00:00 - 05:45] - Introduction and background on Oak Creek
[05:46 - 14:47] - The Sikh Temple shooting begins
[14:48 - 21:32] - Shooter enters the temple
[21:33 - 25:46] - Lt. Murphy arrives on the scene
[25:47 - 34:45] - Shootout between Murphy and the gunman
[34:46 - 41:16] - Officer Sam Lenda arrives
[41:17 - 48:31] - Murphy's injuries and rescue
[48:32 - 59:46] - Discussion on resilience and breath control
[59:47 - 01:15:47] - Murphy's recovery and perspective on life
[01:15:48 - 01:46:03] - Impact on the community and final thoughts
Key Quote:
âEverything is temporary. So grow with it.â - Lt. Murphy
Contact Lt. Murphy:
Email: [email protected] or [email protected],
INSTAGRAM: https://www.instagram.com/bam.training.murphy
FACEBOOK: BAM training
Resources:
Shift: https://www.instagram.com/_brianmackenzie/Legacy Book: https://www.amazon.com/Legacy-James-Kerr/dp/147210353X
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Bank of England: https://www.boemortgage.com/.
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In this eye-opening episode, we explore the alarming trend of Americans using Buy Now, Pay Later services for essential items like groceries. We break down the latest New York Fed report, revealing that 50% of BNPL debt is now tied to necessities. The conversation shifts to the current state of consumer credit, with credit card delinquencies approaching dangerous levels despite a seemingly strong job market. We examine the stark contrast between homeowners' equity positions and mounting credit card debt, offering a nuanced view of the economy. From the fear and greed index to potential warning signs in the credit market, this episode provides a clear picture of the financial challenges facing many Americans today.
[00:00 - 02:13] - Introduction and Buy Now, Pay Later for groceries[02:14 - 03:27] - Fear and Greed Index discussion
[03:28 - 07:12] - The "hurricane" in consumer credit
[07:13 - 11:07] - Comparison to 2008-2009 financial crisis
[11:08 - 13:13] - Age demographics of delinquencies
[13:14 - 15:09] - Closing segment
Resources:
https://bit.ly/189resources
Key Quote:
â50% of the total amount of buy now, pay later debt is being attributed to essentials.â - Quinton Harris
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Bank of England: https://www.boemortgage.com/.
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Are you worried about another housing market crash? In this episode, Quinton Harris sits down with Logan Mohtashami, lead analyst for HousingWire and renowned housing market expert. Logan breaks down why 2024 isn't shaping up to be a repeat of the 2008 crisis, using data-driven analysis to dispel common myths. He explains the current state of the housing market, discusses the Federal Reserve's impact on interest rates and employment, and provides his perspective on inventory growth and consumer credit. Logan also shares his thoughts on the "lock-in effect" and offers predictions for the housing market's future. Whether you're a homeowner, potential buyer, or simply interested in economic trends, this conversation offers valuable context for understanding today's complex housing landscape.
[00:00 - 01:14] - Introduction and guest background
[01:15 - 04:59] - Why 2024 isn't the next 2008 housing crash
[05:00 - 08:44] - Federal Reserve's approach to interest rates
[08:45 - 11:29] - Labor market's impact on Fed decisions
[11:30 - 14:44] - The 10-year yield and mortgage rates
[14:45 - 18:29] - Unemployment rate and Fed pivot
[18:30 - 21:44] - Consumer credit market concerns
[21:45 - 25:14] - The "lock-in effect" myth
[25:15 - 29:44] - Inventory growth and market health
[29:45 - 33:44] - Long-term homeownership trends
[33:45 - 36:30] - 2024 housing market outlook
[36:30 - 39:56] - Closing Segment
Connect with Logan:
Instagram: https://www.instagram.com/logan_mohtashami/
Twitter: https://x.com/LoganMohtashamiKey Quote:
âIt mathematically canât be 2008" - Logan Mohtashami
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Bank of England: https://www.boemortgage.com/.
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What's the real cost of keeping an NFL team in a mid-sized city? In this episode, former Jacksonville Mayor Lenny Curry discusses the Jaguars' stadium renovation deal and its implications for the city. He explains why NFL owners won't allow billionaire team owners to fully fund stadiums themselves, and the complex negotiations behind such deals. Curry outlines the projected economic impact on Jacksonville, the challenges of the renovation timeline, and potential opportunities for hosting major events like the NFL Draft. He also addresses concerns about reduced stadium capacity during construction and the possibility of playing games in Gainesville. This conversation offers a unique perspective on the intricate relationship between NFL teams and their host cities, revealing how stadium deals can shape a city's future
[00:00 - 02:41] - Introduction and background on Jaguars in Jacksonville
[02:42 - 05:26] - Why NFL owners don't fully fund stadiums
[05:27 - 08:56] - Economic impact and importance of the stadium deal
[08:57 - 13:01] - Construction timeline and capacity changes
[13:02 - 15:42] - Potential locations for games during renovation
[15:43 - 18:12] - Comparing to other new NFL stadiums
[18:13 - 19:99] - Taxpayer perspective and impact on Jacksonville
[20:00 - 24:35] - Closing Segment
Resources:
https://bit.ly/jagstadium
Key Quote:
âWithout the stadium renovation, you don't keep the teamâ - Lenny Curry_______________________
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Bank of England is a nationwide lender that takes the time to understand your needs and structure the right mortgage for you and your family. Find your local branch at https://www.boemortgage.com/.
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Wondering why your mortgage rate doesn't match what you see in the news? This episode uncovers the hidden factors driving 30-year fixed mortgage rates higher than expected. We explore the unusual gap between the 10-year Treasury and mortgage rates, explaining how an extra 100 basis points are affecting your loan terms. Learn which economic indicators could trigger a rate drop before the next Fed meeting, potentially saving you thousands on your next home purchase or refinance. Whether you're a first-time buyer, a homeowner considering a move, or simply curious about the mortgage market, this episode reveals crucial information about the future of mortgage rates.
[00:00] - Introduction
[01:57] - The anticipated September rate cut
[03:17] - Understanding the spread between Treasury and mortgage rates
[05:29] - Historical perspective on mortgage rate spreads
[07:12] - Current market rates vs. ideal rates
[09:03] - Factors needed for rate improvement
[12:13] - Historical comparison and future rate predictions
[16:32] - Closing segment
Key Quote:
âIt will not take a Federal Reserve rate cut to lower interest rates.â - Quinton Harris
_______________________
Search for âWhatâs Your 1 Moreâ on YouTube to enjoy highlights and full video episodes.
Watch the podcast on Spotify for full video episodes, Q&As, and community polls!
Do you want to master your finances and financial leadership? Connect with us on Facebook, Twitter, and Instagram.
Bank of England is a nationwide lender that takes the time to understand your needs and structure the right mortgage for you and your family. Find your local branch at https://www.boemortgage.com/.
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Are you âcurious about the Federal Reserve's latest decision and what it means for your wallet? This episode breaks down the recent Fed meeting, exploring the signs of internal disagreement among Fed members. We examine Jerome Powell's unusually shaky performance at the podium and what it might reveal about upcoming rate decisions. The episode highlights the critical role of the labor market in shaping Fed policy, particularly focusing on the importance of Friday's BLS report. We discuss the potential for rate cuts in September, the global context of central bank decisions, and how these factors could impact mortgage rates. Whether you're a homebuyer, an investor, or simply interested in the economy, this episode offers a clear explanation of the Fed's current stance and its possible effects on your financial future.
[00:00] - Introduction to the "split Fed" concept
[02:17] - The water faucet analogy and Fed's current stance
[04:42] - Analysis of Fed's statement and Powell's podium performance
[07:38] - The importance of the BLS report and birth-death rate model
[09:12] - Powell's comments on inflation and the labor market
[12:32] - Comparison with other central banks and future rate cuts
[14:47] - Conclusion and preview of the next episode
Resources:
https://bit.ly/185resources
(Credit: MBS Highway)Key Quote:
âIf we get the data, we think a September rate cut is on the table." - Quinton Harris_______________________
Search for âWhatâs Your 1 Moreâ on YouTube to enjoy highlights and full video episodes.
Watch the podcast on Spotify for full video episodes, Q&As, and community polls!
Do you want to master your finances and financial leadership? Connect with us on Facebook, Twitter, and Instagram.
Bank of England is a nationwide lender that takes the time to understand your needs and structure the right mortgage for you and your family. Find your local branch at https://www.boemortgage.com/.
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Did you know Florida homeowners could be leaving thousands of dollars on the table in property tax savings? In this episode of the Watch More podcast, host Quinton Harris talks with Casey and Steve Vockell from My Exemption Check about a lesser-known strategy to reduce property taxes in Florida. The father-son duo explain the Save Our Homes Act, homestead exemptions, and the concept of portability. They reveal how these elements can lead to significant tax savings when selling or buying a home in Florida. The conversation also covers the impact of portability on divorce settlements and why many real estate professionals overlook this opportunity. Whether you're a current Florida homeowner or considering buying property in the Sunshine State, this episode offers valuable information to help you understand and potentially reduce your property tax burden.
[00:00 - 02:14] - Introduction to My Exemption Check
[02:15 - 05:29] - Save Our Homes Act and Homestead Exemption
[05:30 - 09:44] - Understanding Portability in Florida
[09:45 - 13:29] - How to Maximize Your Tax Savings
[13:30 - 17:59] - Portability's Impact on Divorce Settlements
[18:00 - 22:44] - The Process of Appealing Property Values
[22:45 - 27:14] - Time Constraints and Deadlines for Appeals
[27:15 - 31:44] - Cost-Benefit Analysis of Using My Exemption Check
[31:45 - 35:59] - Portability as a Marital Asset in Divorces
[36:00 - 40:10] - Closing Thoughts and Recommendations
Key Quote:
"A lot of people know what their property taxes are and they know they got to pay them, but what they don't know is the money they can save." - Quinton Harris
Resources:
https://floridarevenue.com/property/Pages/LocalOfficials.aspxMy Exemption Check:
https://myexemptioncheck.com/
_______________________
Search for âWhatâs Your 1 Moreâ on YouTube to enjoy highlights and full video episodes.
Watch the podcast on Spotify for full video episodes, Q&As, and community polls!
Do you want to master your finances and financial leadership? Connect with us on Facebook, Twitter, and Instagram.
Bank of England is a nationwide lender that takes the time to understand your needs and structure the right mortgage for you and your family. Find your local branch at https://www.boemortgage.com/.
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Wondering how the latest economic data could affect your mortgage? In this episode, we explore the recent PCE reading and its implications for upcoming Federal Reserve decisions. We break down Fannie Mae's forecast of two potential rate cuts by year-end and what this means for the 30-year fixed mortgage rates. The discussion covers the concept of the "near money pipeline" - a staggering $2.7 trillion worth of mortgages that could become eligible for refinancing. We also examine the current state of the housing market, including inventory levels, new home builds, and projected home price growth. Whether you're a homeowner, potential buyer, or simply interested in economic trends, this episode provides valuable information on the future of mortgage rates and the housing market.
[00:00 - 01:00] - PCE reading and Fed meeting expectations
[01:00 - 03:02] - Fannie Mae's forecast for rate cuts and mortgage rates
[03:02 - 05:59] - The "near money pipeline" and potential refinancing boom
[05:59 - 08:23] - New home builds and builder confidence
[08:23 - 11:12] - Housing inventory and price trends across markets
[11:12 - 14:11] - Future outlook for mortgage rates and home prices
Key Quote:
âThey're forecasting two more rate cuts by the end of the year." - Quinton HarrisResources:
https://bit.ly/46nMxJ3_______________________
Search for âWhatâs Your 1 Moreâ on YouTube to enjoy highlights and full video episodes.
Watch the podcast on Spotify for full video episodes, Q&As, and community polls!
Do you want to master your finances and financial leadership? Connect with us on Facebook, Twitter, and Instagram.
Bank of England is a nationwide lender that takes the time to understand your needs and structure the right mortgage for you and your family. Find your local branch at https://www.boemortgage.com/.
Please subscribe, share, and leave a review to let us know you want to keep the content coming!
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Are you on the fence about buying a home in the current market? In this episode, Quinton Harris and Daniel Halvorsen explain why waiting could be a costly decision. They examine the Federal Reserve's potential rate cuts, dissect recent job reports, and unpack the relationship between the 10-year Treasury and mortgage rates. They shed light on why builders are cautious about new construction and what this means for housing inventory. They also provide actionable insights for real estate agents and prospective homebuyers navigating today's market conditions. Whether you're actively house hunting or monitoring the market, this episode equips you with the knowledge to make smart decisions about your next real estate move.
[00:00 - 01:00] - Introduction
[01:00 - 05:45] - Fed meeting predictions and rate cut possibilities
[05:45 - 09:30] - Job market analysis and unemployment claims
[09:30 - 13:15] - Mortgage rates and the 10-year Treasury spread
[13:15 - 19:45] - Impact on the housing market and builder strategies
[19:45 - 24:15] - Advice for real estate agents and potential buyers
[24:15 - 28:30] - Long-term economic outlook and market recovery
[28:30 - 29:00] - Closing remarks
Resources:
Danielâs Newsletter: https://yf7nhi3ybnw.typeform.com/to/XIxxmXg5Episode 8: https://www.youtube.com/watch?v=qvUhAvzQOHo
Key Quote:
âIf you're somebody that's been on the sidelines waiting for a sign, I think in the next couple weeks, you're probably gonna get your sign.â - Daniel Halvorsen_______________________
Search for âWhatâs Your 1 Moreâ on YouTube to enjoy highlights and full video episodes.
Watch the podcast on Spotify for full video episodes, Q&As, and community polls!
Do you want to master your finances and financial leadership? Connect with us on Facebook, Twitter, and Instagram.
Bank of England is a nationwide lender that takes the time to understand your needs and structure the right mortgage for you and your family. Find your local branch at https://www.boemortgage.com/.
Please subscribe, share, and leave a review to let us know you want to keep the content coming!
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Are you confused by the conflicting information about today's housing market? This episode cuts through the noise, presenting clear facts about current home buying trends. Quinton Harris and Daniel Halvorsen break down recent consumer surveys, revealing surprising misconceptions about down payments and market timing. They discuss the popular Florida Hometown Heroes program, which offers substantial financial assistance to first-time homebuyers. They also explore the rising popularity of second mortgages and Freddie Mac's new pilot program in this space. Throughout the episode, Quinton and Daniel emphasize the importance of accurate information in making informed real estate decisions, challenging common myths propagated by online doom-and-gloom forecasters.
[00:00 - 01:47] - Introduction
[01:48 - 04:59] - Consumer survey insights on home buying
[05:00 - 07:59] - Florida Hometown Heroes program update
[08:00 - 16:59] - Debunking real estate myths and market trends
[17:00 - 19:21] - Mortgage cheat sheet
[19:22 - 23:55] - Rise of second mortgages and equity loans
[23:56 - 26:59] - Freddie Mac's pilot second mortgage program
[27:00 - 29:34] - Closing thoughts
Key Quote:
"90 percent of people either grossly overestimated or just didn't know what the minimum down payment requirement would be for a mortgage" - Daniel HalvorsenResources:
https://bit.ly/181resources_______________________
Search for âWhatâs Your 1 Moreâ on YouTube to enjoy highlights and full video episodes.
Watch the podcast on Spotify for full video episodes, Q&As, and community polls!
Do you want to master your finances and financial leadership? Connect with us on Facebook, Twitter, and Instagram.
Bank of England is a nationwide lender that takes the time to understand your needs and structure the right mortgage for you and your family. Find your local branch at https://www.boemortgage.com/.
Please subscribe, share, and leave a review to let us know you want to keep the content coming!
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How do recent political events impact your financial future? In this episode, Quinton examines the surprising market rally following a turbulent weekend. He shares an interview with a Fannie Mae official who predicts how different presidential administrations might affect the housing market. The episode explores the link between political uncertainty and market behavior, explaining why mortgage rates could drop soon. Quinton also reflects on leadership during challenging times and the importance of unity. Whether you're a homeowner, investor, or simply interested in the economy, this episode offers a clear look at how politics and finance intersect in today's complex landscape.
[00:00 - 01:52] - Addressing recent political events
[01:52 - 04:04] - Market reaction and presidential predictions
[04:04 - 07:12] - Mark Calabria interview on housing policies
[07:12 - 11:03] - Bond market analysis and mortgage rate forecasts
[11:03 - 13:58] - Leadership observations and market confidence
[13:58 - 17:36] - Concerns about misinformation
Key Quote:
âWe are in a bad financial market. We're being told we're in a good financial market.â - Quinton HarrisResources:
Chart: https://bit.ly/wy1mgraph
(Credit: HousingWire)_______________________
Search for âWhatâs Your 1 Moreâ on YouTube to enjoy highlights and full video episodes.
Watch the podcast on Spotify for full video episodes, Q&As, and community polls!
Do you want to master your finances and financial leadership? Connect with us on Facebook, Twitter, and Instagram.
Bank of England is a nationwide lender that takes the time to understand your needs and structure the right mortgage for you and your family. Find your local branch at https://www.boemortgage.com/.
Please subscribe, share, and leave a review to let us know you want to keep the content coming!
- Näytä enemmän
