Radio Shows - Podcast | Page 5 of 44

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The Federal Reserve lefts rates unchanged today, 9/20/2023, at the FOMC meeting. They also provided projections for additional rate increase this year but rate reductions in 2024 and 2025. When will we see interest rates start to fall? Tune in to todays episode of Mortgage Mom Radio!

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We are LIVE on YOUTUBE every Wednesday @ 1PM PST. Interact with us LIVE while we record! Ask us your questions right in the comments. Text “MOM” to 844-935-3634 to receive a link once a week to join the show.

Debbie Marcoux is licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act, NMLS ID 237926, also licensed in AZ-0941504, FL-LO76508, GA-69178, ID-167867, IL-031.0058339, NC, NV-57237, MO, OR, TN-184373, TX, WA-MLO-237926

Podcast: Play in new window | Download (Duration: 49:55 — 68.6MB) | Embed

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Today we talked about the August Inflation Report and the next Fed Meeting anticipation for September 19-20th.

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Today we had George Hartmann with Credit Repair in 30 on the show. He provided tips and tricks to increase your credit score.

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Podcast: Play in new window | Download (Duration: 54:44 — 75.2MB) | Embed

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If you’re a homeowner, you might be torn on whether or not to sell your house right now. Maybe that’s because you don’t want to take on a higher mortgage rate on your next home. If that’s your biggest hurdle, understanding your equity may be exactly what you need to help you feel more comfortable making your move.

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Podcast: Play in new window | Download (Duration: 51:32 — 70.8MB) | Embed

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Struggling with your credit score OR verifying your income for a new home loan, we have many programs available and one might be what you need!

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Podcast: Play in new window | Download (Duration: 59:36 — 81.9MB) | Embed

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What is a DST? Created under Delaware Law, a DST is a specialized legal entity in which a sponsor firm, acting as trustee, acquires the property, holds the title, and guarantees the mortgage loan.

Ready to sell your investment property but not ready to buy another? Concerned about taxes if you don’t 1031 exchange? DST’s are a great option! What’s a DST and how does it work?

Today’s guests, Jamie Furlong with Legacy Investments & Real Estate and Danielle Whitney-Moore with Keller Williams Realty

There are material risks associated with investing in DST properties and real estate securities including illiquidity, general market conditions, interest rate risks, financing risks, potentially adverse tax consequences, general economic risks, development risks, and potential loss of the entire investment principal. Potential cash flows/returns/appreciation are not guaranteed and could be lower than anticipated. Diversification does not guarantee a profit or protect against a loss in a declining market. It is a method used to help manage investment risk. This is for informational purposes only. Because investor situations and objectives vary. This information is not intended to indicate that an investment is appropriate for or is being recommendation to any individual investor and does not represent tax or legal advice. Jamie offers securities through Concorde Investment Services, LLC (CIS), member FINRA/SIPC. Legacy Investments & Real Estate, LLC is independent of CIS, both of whom are independent of Debbie Marcoux and Danielle Whitney.”

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Podcast: Play in new window | Download (Duration: 56:30 — 556.6MB)

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On Wednesday, the Federal Reserve raised the Fed Funds Rate to a range of 5.25 to 5.50% and this move was widely expected. Fed Chair Powell also shared that if the data comes in strong over the next two months, they will raise rates again in September. The opposite is true.

What data was the Fed talking about? Mr. Powell was specific and said there will be two jobs and CPI (inflation) reports, and one employment cost index which garners most of their attention before the Fed meets again in September when they decide what to do with interest rates.

One of the main reasons interest rates remain high and the Fed has continued to raise rates is the underlying resilience of the economy. Many economists, market watchers and central bankers were calling for a recession by the middle of this year. In fact, one reputable publication back in November said there was a 100% chance of a recession in 2023. Fortunately, or unfortunately, depending on how you’re looking at it, the economy is currently growing near 2% and unemployment is at 3.6%, which are not conditions that lead to an economic recession.

Looking forward…watching the economic data will be important to determine whether the Fed increases rates further.  At the very least we should be prepared for the Fed to hold the Fed Funds Rate at current levels for quite a bit longer.

How much longer? The Federal Reserve wants to see inflation come down to 2%. The Fed’s favorite gauge of inflation is currently running at 4.6% so, there is a lot of wood to chop for inflation to get near the Fed’s target. In fact, the Fed’s forecast calls for core inflation to reach its goal in the year 2025. So, when we hear higher for longer, that’s what we mean.

For reference: In the last rate hiking cycle back in 2018, the Fed cut rates 7 months after the last hike. Meanwhile, during that same time, home loan rates steadily improved.

Bottom line: The Federal Reserve may very well be done hiking rates. However, long-term rates may likely edge lower slowly. Why? The economy is slowing. Slowly, unemployment is rising, slowly, and inflation is rising slowly.

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Podcast: Play in new window | Download (Duration: 56:30 — 77.6MB) | Embed

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The Federal Reserve did not hike rates. Lets talk about it.

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Podcast: Play in new window | Download (Duration: 54:35 — 75.0MB) | Embed

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Are you drowning in debt and are wanting to refinance but don’t know how or where to start? Join us today to learn how we can help you!

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Podcast: Play in new window | Download (Duration: 56:00 — 76.9MB) | Embed

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Join the Mortgage Mom as she discusses h9w the debt ceiling resolution and future fed rate hikes are sending mortgage rates on a roller coaster ride.

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