It’s Aloha Friday and the gents are back form the closing table with a full breakdown of this week’s mortgage headlines and market insights. In this episode, Craig and Billy dive into the latest Freddie Mac rate survey, explaining why mortgage rates can move opposite of Federal Reserve decisions and what that means for buyers heading into Q4.They also unpack a major change in lending guidelines: Freddie Mac now allows up to 95% financing on owner-occupied four-unit properties — aligning with Fannie Mae’s existing policy. Craig explains how this shift opens new doors for buyers looking to “house hack” their way into real estate by living in one unit and renting out the others.Plus, the conversation explores new conforming loan limits (up to $819,000 for 1-unit homes) and what that means for affordability and strategy — especially in competitive markets like South Florida. The duo closes with a practical discussion on whether buyers should wait for lower rates or take advantage of today’s inventory, negotiating power, and potential seller concessions.Whether you’re a first-time buyer, investor, or simply mortgage-curious, this episode is packed with real-world insight, practical advice, and a few laughs along the way.

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