Best Dda Podcasts (2025)

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Refinancing, are you being told the truth when they offer a super low rate and no closing costs 7:15

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7h ago7:15

7:15

Headline ads often quote temporary buydowns, ARM teaser rates, or perfect-credit scenarios that very few borrowers qualify for. The real, fully indexed 30-year fixed rate is meaningfully higher once you look at actual pricing. “No closing costs” usually means one of three things Lender credits: The borrower pays through a higher interest rate. Sell…

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Fed dropped the rates but also did something from old playbook, printing 40 billion a month in QE 6:28

7d ago6:28

6:28

If the **Federal Reserve cuts interest rates by 0.25% and simultaneously restarts a form of quantitative easing (QE) by buying about $40 billion per month of securities, the overall monetary policy stance becomes very accommodative. Here’s what that generally means for interest rates and the broader economy: 📉 1. Short-Term Interest Rates The Fed’s…

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closed a second mortgage in 3 hours, that is for real 4:06

14d ago4:06

4:06

That is wild — and honestly a sign of where mortgage tech is heading fast. A three-hour closing versus three days used to be unheard of. What likely made it possible: 🚀 Why it happened so fast 1. Automated income/asset verification Lenders now pull bank statements, payroll data, and tax transcripts digitally instead of waiting for uploads. 2. Insta…

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Fed is cutting rates does that help us on the mortgage side and lets close your loan this month for homestead 4:40

22d ago4:40

4:40

✅ Why mortgage rates can rise even when the Fed cuts rates Mortgage rates don’t move directly with the Fed Funds Rate. Instead, they are primarily driven by the 10-year Treasury yield and investor expectations about inflation, recession risk, and future Fed policy. Here are the main reasons this disconnect happens: 1. Markets expected the rate cut …

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New Loan limits have increased in 2026 2:50

29d ago2:50

2:50

Here are the anticipated conforming loan limits for Fannie Mae / Freddie Mac for 2026 (pending official announcement by the Federal Housing Finance Agency): 819,000 is the new loan amount, so you can buy a home for $862,105 and only put 5% down to keep in conforming Interesting how prices of homes have come down, and the loan amounts have increased…

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FNMA now has no credit scores when applying for a mortgage 5:25

1M ago5:25

5:25

What Does “No Credit Score Mortgage” Mean (for FNMA) Policy Change As of November 15, 2025, Fannie Mae’s automated underwriting system (Desktop Underwriter, or DU) will no longer require a minimum third-party credit score. Fannie Mae Instead of relying on a fixed cutoff (like “you must have a 620 FICO”), DU will use Fannie Mae’s proprietary risk-as…

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What would the 50 year amortization mean 4:29

1M ago4:29

4:29

✅ the principal you borrowed ✅ all interest paid over the years ❌ It does NOT include taxes, insurance, or HOA unless noted. Because longer terms spread payments out more slowly, they lower the monthly payment but massively increase total interest paid. Below is a simple example to show how total payments change by loan term. ✅ Example: $300,000 lo…

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My prediction on what is going to happen next 6:08

2M ago6:08

6:08

Here are the main types of events that typically cause the 10-year yield to drop: Economic slowdown or recession signs Weak GDP, rising unemployment, or falling consumer spending make investors expect lower future interest rates. Example: A bad jobs report or slowing manufacturing data often pushes yields lower. Federal Reserve rate cuts (or expect…

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Fed dropping rates next week , what does that exactly mean 4:45

2M ago4:45

4:45

🏦 1. Fed Rate vs. Market Rates When the Federal Reserve cuts rates, it lowers the federal funds rate — the rate banks charge each other for overnight loans. That directly affects: Credit cards Auto loans Home equity lines of credit (HELOCs) These tend to move quickly with Fed changes. 🏠 2. Mortgage Rates Mortgage rates are not directly set by the F…

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What is trending right now in the mortgage business 4:27

2M ago4:27

4:27

1. FHA Streamline Refinance Purpose: Simplify refinancing for homeowners who already have an FHA loan — lowering their rate or switching from an ARM to a fixed rate with minimal paperwork and cost. Key Features: No income verification usually required No appraisal required in most cases (uses the original home value) Limited credit check — just to …

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using other ways to qualify for a mortgage besides using tax returns 4:38

2M ago4:38

4:38

Here are alternative ways to qualify for a mortgage without using tax returns: 🏦 1. Bank Statement Loans How it works: Lenders review 12–24 months of your business or personal bank statements to calculate your average monthly deposits (as income). Used for: Self-employed borrowers, business owners, gig workers, freelancers. What they look at: Depos…

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Now offering 3rd Mortgages 3:10

3M ago3:10

3:10

A third mortgage is an additional loan secured by the same property after a first and second mortgage already exist. It’s essentially a third lien on the property, which means it’s in third place to be repaid if the borrower defaults — making it riskier for lenders. Because of this higher risk, third mortgages typically: Have higher interest rates,…

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Always look at the 10-year treasury 4:03

3M ago4:03

4:03

Great question — the 10-year U.S. Treasury Note (T-Note) is one of the most important benchmarks in finance, and it’s tightly linked to interest rates. Here’s a breakdown of how it works and why it matters: 1. What the 10-Year Treasury Is It’s a bond issued by the U.S. government with a maturity of 10 years. Investors buy it, loaning money to the g…

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AI underwriting compared to Human underwriting 3:25

3M ago3:25

3:25

Speed & Efficiency AI Underwriting: Processes applications in seconds to minutes. 1.Can instantly pull data from multiple sources (credit reports, bank statements, income verification, property valuations, etc.). Ideal for high-volume, standardized cases. Human Underwriter: Takes hours to days, depending on complexity. Manually reviews documents, c…

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Finally no more calls due to the Trigger list being put to a stop 5:16

3M ago5:16

5:16

Excited to share a major update that will make the homebuying process more secure and less stressful. President Donald Trump recently signed the Homebuyers Privacy Protection Act of 2025 into law. This bill is a significant victory for the real estate industry, as it directly addresses the problem of unwanted calls, texts, and emails that often flo…

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When is it a good time to refinance your mortgage 6:00

4M ago6:00

6:00

Good question — refinancing can be a smart move, but the timing really matters. The "right time" to refinance your mortgage depends on a mix of personal and market factors. Here are the main ones to weigh: 1. Interest Rates If current mortgage rates are at least 2% lower than your existing rate, refinancing could save you money. Example: Dropping f…

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AI to AI on mortgages, tune in and learn the future 2:12

4M ago2:12

2:12

1. Getting Leads from AI AI can help you find and qualify homeowners who may be interested in a second mortgage (home equity loan or HELOC). Common approaches: Predictive Analytics – AI models look at property values, loan-to-value (LTV), credit trends, and household income estimates to flag homeowners who may be equity-rich but cash-flow constrain…

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Disability Employment - A Resource that Needs Protecting 30:23

4M ago30:23

30:23

The federal government wants to cut 15% in spending for certain programs and services. Advocates are concerned about people with disabilities losing their jobs before anyone else. We chat with Rabia Khedr, National Director of Disability Without Poverty, about disability employment and the new Canada Disability Benefit.…

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When the Fed says they are dropping rates next month, what is really happening today 3:07

4M ago3:07

3:07

Great question. Markets don’t usually wait until the Fed actually cuts rates to react — they move in advance, based on expectations. Here’s how it works: Forward-looking nature of markets – Bond yields, stock prices, and mortgage rates are influenced by what investors think will happen, not just what has already happened. If traders believe the Fed…

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Shop your homeowners insurance annually, let me tell you my experience 4:32

4M ago4:32

4:32

Yes — shopping for your homeowners' insurance annually is generally a smart move. Here’s why: 1. Rates change more than you think. Insurance companies regularly adjust premiums based on inflation, claims data, weather patterns, and even changes to your credit or risk profile. A company that was the cheapest two years ago might now be in the middle …

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1% down program , tune in and see if you qualify 4:02

5M ago4:02

4:02

Program Overview Borrower Contribution: You pay 1% of the purchase price as the down payment. Lender provides a 2% grant, bringing your total to 3% down, which is the typical minimum for conventional loans. For example, on a $250,000 home: You pay $2,500 (1%) Lender adds $5,000 (2%) You start owning 3% equity from day one Eligibility Requirements T…

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Now the 40 year interest fixed for the first 10 years 3:24

5M ago3:24

3:24

A 40-year interest-only fixed for 10 years mortgage is a specialized loan product with the following structure: 🔹 Loan Term: 40 Years Total length of the mortgage is 40 years. 🔹 Interest-Only Period: First 10 Years For the first 10 years, the borrower only pays interest on the loan. No principal is paid down during this time (unless the borrower ch…

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watch the 10 year treasury and you will see what interest rates do 5:33

5M ago5:33

5:33

When the 10-year Treasury yield goes down, it generally signals lower interest rates and increased demand for safe-haven assets like U.S. government bonds. Here’s what typically happens across different areas of the economy and markets: 🔻 Why the 10-Year Treasury Yield Drops Increased demand for bonds: Investors buy Treasuries during uncertain time…

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Mixed Use and Multi Family 3:42

5M ago3:42

3:42

Key Characteristics of a Mixed-Use Property: Feature Description Use Types Typically includes residential, commercial, retail, office, and sometimes hospitality or industrial components. Zoning Must be zoned for mixed-use by the local municipality. Layout Different uses are separated vertically (e.g., retail on bottom, housing on top) or horizontal…

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What really happens when the Fed drops the rates? 5:06

5M ago5:06

5:06

Businesses can borrow more cheaply to invest in growth. 💸 2. Consumer Spending Increases Since borrowing is cheaper and savings earn less interest, people are more likely to spend money rather than save it. This can boost demand for goods and services, helping to stimulate economic activity. 🏦 3. Savings Yield Less Savings accounts, CDs, and bonds …

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What about all the disclosures I get during the loan process 4:00

6M ago4:00

4:00

During the mortgage process, several disclosure documents are provided to help you understand the terms of the loan, your rights, and the costs involved. These disclosures are required by law and are designed to promote transparency and protect you as a borrower. Here’s a breakdown of the key disclosures you'll receive: 1. Loan Estimate (LE) When: …

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I Only See in Black and White - A Book by Keara Farnan 25:41

6M ago25:41

25:41

Navigating this often troubled world can be difficult. As an Autistic person who sees things differently, it can be an obstacle course when it comes to even the simple things like making friends. To build herself up and understand her place in the world is the author and person with autism, Keara Farnan.…

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Buying a home and keeping your present home 3:14

6M ago3:14

3:14

Buying a new home while keeping your current one can be a smart investment strategy—but it does come with financial challenges, especially when it comes to managing debt. Here are ways you can offset or manage the debt to make this dual-home scenario work: 🔑 1. Rent Out Your Current Home Offset: Use rental income to cover the mortgage on your exist…

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Audio: Chairperson’s concluding remarks

6M ago

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Trade Policy Review: Norway The eighth review of the trade policies and practices of Norway takes place on 30 June and 2 July 2025. The basis for the review is a report by the WTO Secretariat and a report by the Government of Norway.By WTO

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How does a specific power of attorney work with a mortgage closing 3:48

6M ago3:48

3:48

A Specific Power of Attorney (POA) for a mortgage closing is a legal document that allows one person (the principal) to authorize another person (the agent or attorney-in-fact) to act on their behalf only for the purpose of completing a mortgage transaction—typically when the principal cannot be physically present at the closing. Key Points of How …

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AI and Second Mortgages 6:15

6M ago6:15

6:15

Here’s a simple and clear breakdown of how AI is making second mortgages easier for homeowners and lenders alike: 🔍 What Is a Second Mortgage? A second mortgage lets homeowners borrow against their home's equity, without replacing their existing mortgage. Common types: Home Equity Loan (lump sum) HELOC (Home Equity Line of Credit) 🤖 How AI Makes Se…

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What mortgage programs do we offer 2:44

7M ago2:44

2:44

We offer 2nd mortgages on primary, secondary, and investment properties we do purchases or refinances on Conventional, FHA, VA, and Non- Qm mortgages, We do Reverse Mortgages, Construction Permanent loans, FHA203k, and Conventional Renovation loans. Let me know how we can help you or someone you know tune in and learn at https://www.ddamortgage.com…

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The Feeding Group - Helping Families Navigate ARFID 42:09

7M ago42:09

42:09

ARFID - Avoidant/Restrictive Food Intake Disorder can affect neurodiverse populations more often than typically developed individuals. In this podcast, we chat with Lauren Hershfield and Elise Fairey, who lead a team of experts in diet and nutrition with their business “The Feeding Group”. Their team supports families who have the disorder to lead …

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What else should I know about buying a condo 2:22

7M ago2:22

2:22

Buying a condo is different from purchasing a single-family home, and it's important to understand the unique considerations involved. Here’s a comprehensive list of what you should know before buying a condo: 1. Understand What You're Buying Ownership: With a condo, you own the interior of your unit, but share ownership of common areas (lobby, poo…

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Wally Jackson and the Probability of Love and Car Accidents 36:10

7M ago36:10

36:10

Making a movie is tough. Making one about one's life experiences through the lens of autism, even tougher. We caught up with Austin Wolf, writer and producer of an upcoming independent film, Wally Jackson and the Probability of Love and Car Accidents, which he hopes adds to the greater understanding of the neurodiversity community. And, you know, r…

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With Tariffs and bad auctions should I lock in my interest rate? 3:15

7M ago3:15

3:15

Locking in your interest rate can be a smart move under the right circumstances—especially when there's economic uncertainty, like tariffs, geopolitical tension, or volatile inflation. Here are a few key considerations to help you decide: ✅ Reasons to Lock in Now: Rising Rate Environment: If inflation is persistent and the Fed continues to signal r…

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Where do I do Mortgages? 2:39

7M ago2:39

2:39

I do Residential Mortgages in the State of Florida only, that is where I am licensed. Most of my business is from Pinellas, Hillsborough, and Pasco County. I am doing more loans all over the State as time goes on. I love to go to my closings and will drive up to 1 hour to be there at your closing. I do Fnma/FHMC, FHA, VA, C/p, Nonqm mortgages. On t…

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How to choose a mortgage broker when buying or refinancing 5:04

8M ago5:04

5:04

When choosing a mortgage lender, it's important to carefully compare several key factors to ensure you get the best deal and the right fit for your financial situation. Here’s who you might consider and how to evaluate them: 1. Types of Lenders to Consider Banks: Traditional option; may offer relationship discounts if you have accounts there. Credi…

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How does a Bridge loan work 3:04

8M ago3:04

3:04

A bridge loan is a short-term loan used to "bridge the gap" between buying a new home and selling your current one. It's typically used by homebuyers who need funds for a down payment on a new home before their existing home sells. Here's how it works: You own a current home and want to buy a new one. You haven't sold your current home yet, so your…

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Different options on getting cashout on your investment property 3:47

8M ago3:47

3:47

How it works: Short-term, high-interest loan based on property value, not personal credit. Pros: Fast funding (days instead of weeks). Less strict underwriting. Cons: Very high interest rates (often 8%–15%+). Short loan terms (often 6–24 months). 7. Seller Financing (if you're buying another property) How it works: If you own a property free and cl…

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Don't use all your funds to close on your mortgage, keep some money on the side 3:48

8M ago3:48

3:48

When you're buying a home, it's not just about affording the purchase price or down payment. You’ve got closing costs, moving expenses, and all the “surprise” things that come up after you move in — like needing a new appliance, fixing a plumbing issue, or just furnishing the place. Keeping some cash reserves is smart. A good rule of thumb is to ha…

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Frequently asked questions regarding job history and funds to close on a mortgage 3:51

8M ago3:51

3:51

Are you a salaried employee, hourly, self-employed, or a contractor? Do you receive bonuses, commissions, or overtime? How consistent is that income? Can you provide recent pay stubs, W-2s, or tax returns? Self-Employment (if applicable): How long have you been self-employed? Can you provide two years of business tax returns and profit/loss stateme…

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Rates! Rates! Rates! is it time to refinance your mortgage 4:12

9M ago4:12

4:12

With the recent dip in mortgage rates, you might be contemplating whether refinancing your mortgage is a prudent move. Currently, the average U.S. rate for a 30-year fixed mortgage stands at approximately 6.64%, marking the second consecutive weekly decline . Key Considerations for Refinancing: Interest Rate Reduction: A common guideline suggests …

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Which loan product is better for you if you have lower credit scores when buying a home 3:58

9M ago3:58

3:58

1. FHA Loan (Federal Housing Administration Loan) Credit Score Requirement: As low as 500 (with 10% down) or 580+ (with 3.5% down). Best For: First-time homebuyers and those with lower credit. Pros: Low down payment, flexible credit requirements. Cons: Requires mortgage insurance premiums (MIP). 2. VA Loan (Veterans Affairs Loan) (For eligible mili…

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Where are interest rates today and what do you think will happen 3:37

9M ago3:37

3:37

As of March 24, 2025, the Federal Reserve has maintained the federal funds rate at a target range of 4.25% to 4.50%. This decision reflects the central bank's ongoing efforts to balance economic growth with inflation control. Looking ahead, Federal Reserve policymakers anticipate implementing two quarter-point rate cuts later this year. These pro…

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Warrantable and Non-Warrantable Condos 4:54

9M ago4:54

4:54

The difference between warrantable and non-warrantable condos primarily relates to whether a condominium project meets the eligibility requirements set by Fannie Mae, Freddie Mac, or other government-backed entities like the FHA (Federal Housing Administration) and VA (Veterans Affairs). These classifications impact the availability of financing fo…

1
What is happening with Ai and mortgage origination 7:48

10M ago7:48

7:48

AI is transforming the mortgage industry in several ways, making processes faster, more efficient, and more customer-friendly. Here are some key impacts: 1. Streamlining Loan Origination & Underwriting AI-powered algorithms can quickly analyze an applicant’s financial history, credit score, and risk factors, reducing the time it takes to approve lo…

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What is a Reverse Mortgage 4:40

10M ago4:40

4:40

A reverse mortgage is a type of loan available to homeowners aged 62 and older that allows them to convert part of their home equity into cash. Unlike a traditional mortgage, where the homeowner makes monthly payments to a lender, a reverse mortgage pays the homeowner. The loan is repaid when the homeowner sells the home, moves out permanently, or …

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What are all the disclosures that come to you during the loan process 3:59

10M ago3:59

3:59

When you apply for a loan, you receive several important disclosures that outline key terms, costs, and your rights as a borrower. These disclosures are required by law to ensure transparency and help you make informed decisions. Here are some common disclosures you might encounter: 1. Loan Estimate (LE) Provides details about the loan terms, inter…