Subject Points:

:42 - Intro to Libby Kyros and her knowledge of interest rates

2:20 - Why are interest rates doing what they are doing?

3:30 - What is the federal funds rate?

6:45 - How mortgage rates are determined

7:50 - When is it best for investors to take a step back?

9:02 - When the stock market isn't great no one tells you not to put money in your 401 K

9:55 - If rates go down, not only will you have a better payment, property value goes up too

12:12 - Investing advisors will say, invest x amount every month, regardless of the market

12:58 - Benefits of owning a home vs renting

13:44 - The empowering feeling of buying a house on your own with your own money

14:20 - The spread of interest rates amongst credit unions

17:34 - Being fully aware of your mortgage rate options as a buyer

20:19 - Wrapping up

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