Always On Point

By Kristen Ambos

Hometown radio. Local news. Regional commentary. Listen Live: 10:00 am - 11:00 am... more

· Business

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FAQs about Always On Point:

How many episodes does Always On Point have?

The podcast currently has 10 episodes available.

Always On Point episodes:

December 28, 2025 Mortgage Mayhem: 2026’s Housing Shake-Up
Kristen Ambos, a top loan officer in Wisconsin, dishes out the real scoop on the mortgage market's upcoming transformation. With 50% of Americans now holding mortgages over 6%, 2026 promises a resurgence in housing activity. Kristen highlights the importance of understanding loan terms beyond just chasing low rates—beware of predatory lending! As we return to pre-pandemic market norms, expect more inventory, stable prices, and a balanced buyer-seller dynamic. She emphasizes preparation, transparency, and choosing the right loan officer to navigate these changes. Get ready, 2026 is shaping up to be a game-changer for homebuyers!
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45min
December 14, 2025 Navigating the Mortgage Rollercoaster: Buy, Sell, and Thrive
Dive into the real estate rollercoaster with Kristen Ambos and top agent Amanda Furman as they dissect the current market. Despite the Fed's rate cuts, mortgage rates have risen, confusing many buyers. Amanda reveals that buyers now have more choices, with less competition and room for negotiation, especially in the Fox Valley. Sellers can still fetch close to their asking prices but may face more contingencies. The duo debunks foreclosure fears, explaining that the Midwest market remains resilient. They also stress the importance of paying off high-interest debt by leveraging home equity, urging sellers to move despite low interest rates on current mortgages.
Guest: Amanda Furman
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45min
December 07, 2025 Navigating the Mortgage Maze: Rates, Real Estate, and Rookies
Kristen Ambos dives into the volatile landscape of interest rates, cautioning against too-good-to-be-true offers from online lenders. She explains the pitfalls of adjustable-rate mortgages and the hidden costs behind low initial rates. Jill Dixon-Kesler offers insights on the real estate market, emphasizing the importance of working with experienced advisors. She urges sellers to price realistically and buyers to prepare early, debunking myths about credit checks hurting scores. With industry tales of deals nearly derailed by unchecked boxes and new car loans, Ambos and Kessler stress the need for clear communication and strategic planning in real estate transactions.
Guests: Kristen Ambos, Jill Dixon-Kesler
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45min
November 23, 2025 Navigating the Real Estate Maze: Insights for Sellers and Buyers
Real estate pros Kristen Ambos and Dawn Quaid dive into the art of buying and selling homes in a fluctuating market. Sellers grapple with pricing amidst rising inventory, as Dawn emphasizes the importance of realistic expectations and pre-inspections to win buyers' trust. Buyers, on the other hand, should focus on their 'whys' rather than just 'whats' when choosing a home. Dawn underscores the value of having a knowledgeable agent, especially one who can unearth the real needs behind each purchase. Real estate is a lifestyle, not just a job, and building trust with your agent is key.
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0min
November 16, 2025 Mortgage Madness: The 50-Year Conundrum
Diving headfirst into the mortgage mayhem, we explore the buzz around 50-year mortgages, dissecting their pros and cons. With interest rates hovering at 6.38% for a 30-year fixed, the market is stabilizing in Northeast Wisconsin, promoting fair play between buyers and sellers. However, the proposed 50-year mortgage, while offering lower monthly payments, adds significant long-term costs, leading to skyrocketing interest and reduced equity. Real estate agents emerge as crucial allies in navigating these turbulent waters. As the market seeks balance, the focus shifts to building affordable housing, aiming for a sustainable future in real estate.
Guest: Kristen Ambos
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45min
November 02, 2025 Mortgage Market Magic: Rates, Equity, and Real Talk
The mortgage market is buzzing as the 10-year Treasury note dips below 4%, keeping rates at their lowest in a year. With average 30-year fixed rates at 6.13% and 15-year at 5.72%, it's a ripe time for potential buyers. But despite favorable rates, the housing rush isn’t quite here yet. Kristen Ambos dives into why now might be the time to buy, highlighting the importance of equity amidst $7 trillion in unsecured debt. She exposes the pitfalls of misleading loan offers and emphasizes the need for financial literacy in navigating refinancing, debt management, and leveraging home equity smartly.
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45min
October 12, 2025 Cracking the Mortgage Code
Mortgage maestro Kristen Ambos dives into the intricacies of home buying, spotlighting down payment assistance programs like WIDA and NeighborWorks. She breaks down common home-buying myths, emphasizing that 'free money' comes with costs, but smart strategies can minimize them. Kristen shares real-life success stories of first-time buyers navigating Wisconsin's market with minimal upfront costs. Her advice? Know the programs, work with knowledgeable lenders, and don't shy away from inspections. She also reveals how small extra payments can slash years off a mortgage.
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45min
October 05, 2025 Mastering Mortgages and Credit: Your Financial Future Starts Here
Kristen Ambos, a seasoned mortgage expert, dives into the importance of financial literacy and mortgage education amidst a changing market. She shares her personal journey from financial struggles to becoming a top loan officer, emphasizing the emotional nature of finances and the lack of financial education. Kristen highlights the need for mortgage education and offers tips on improving credit scores, like maintaining a 30% credit card utilization. Alongside real estate pro Amanda Furman, they discuss investment strategies, the significance of understanding rental markets, and the benefits of home equity loans for aspiring investors.
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45min
September 21, 2025 Lets Talk Investment Properties
This episode features Amanda Furman with The Amanda Furman Collective at Keller Williams. She is not only a top real estate agent in our area but also a resident expert on investment properties.
Always on Point is a discussion of factors that are affecting the National and Northeast Wisconsin Realty Markets, hosted by Kristen Ambos of Point Mortgage Corporation and joined by experts in all phases of Real Estate.
Guest: Amanda Furman
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0min
September 14, 2025 First Episode!
This episode features Kristen Ambos’ interviews with Megan Jacquet, VP Sales Caldwell Banker Real Estate Group Sales and member of the Board of Directors of the Wisconsin Real Estate Association. Among other things they discuss factors that affect mortgage rates.
Also, Dawn Quait, a realtor with Caldwell Banker Real Estate Group joins the show and talks about the advantages of having a Real Estate agent involved with any real estate transaction.
Guest: Dawn Quait
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45min

FAQs about Always On Point:

How many episodes does Always On Point have?

The podcast currently has 10 episodes available.