Kris Cedillo from Northpoint Mortgage joins Joe Aguiar and Abby Breau on the Closing Time Podcast to talk mortgages. What does the Fed lowering the rate mean to you? Plus, a look at FHA and government back loans.

CTP: What does the Fed lowering the rate mean to you?

Joe Aguiar does a weekly podcast called Closing Time, a Clovercrest Media Group Presentation. This podcast is meant to keep his clients and fellow REALTORS® up to date on all the latest news and trends, and bring experts from all areas of real estate to come on and impart some knowledge. We'll share some laughs over real estate and other stories.

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CTP: What does the Fed lowering the rate mean to you?

CTP: What does the Fed lowering the rate mean to you?