As January 2025 winds down, Derick and Stephen take a deep dive into the key trends shaping the housing and mortgage markets. In this episode of The Brutally Honest Loan Officers, they explore:
<ul>
<li>Why mortgage rates are staying near 7% and how that impacts buyers</li>
<li>The ongoing home shortage of 4.5 million properties and its effect on prices</li>
<li>Slowing home price appreciation in 2025—what buyers and sellers should know</li>
<li>Changes in buyer demographics: The rise of multigenerational homes and all-cash purchases</li>
<li>New tech in real estate: How AI, blockchain, and borrower portals are streamlining the process</li>
<li>What’s next for spring 2025: Regional price trends, rate expectations, and the affordability outlook</li>
</ul>
Tune in for brutally honest advice to help you navigate this evolving market with confidence!

As January 2025 winds down, Derick and Stephen take a deep dive into the key trends shaping the housing and mortgage markets. In this episode of The Brutally Honest Loan Officers, they explore: Why mortgage rates are staying near 7% and how that impacts buyers The ongoing home shortage of 4.5 million properties and its effect on prices Slowing home price appreciation in 2025—what buyers and sellers should know Changes in buyer demographics: The rise of multigenerational homes and all-cash purchases New tech in real estate: How AI, blockchain, and borrower portals are streamlining the process What’s next for spring 2025: Regional price trends, rate expectations, and the affordability outlook Tune in for brutally honest advice to help you navigate this evolving market with confidence!

January Recap & Spring 2025 Forecast: What’s Next for Buyers, Sellers, and Rates?

”The Brutally Honest Loan Officers: The Unfiltered Mortgage Minds” is a refreshingly candid podcast hosted by two seasoned mortgage lenders, Stephen Brock NMLS 1926015 and Derick Brown NMLS 1640146, from The Mortgage Firm. This podcast cuts through the jargon and complexity of the mortgage industry, offering unfiltered insights and straightforward advice. Each episode delves into the often-overlooked aspects of mortgage lending, from navigating market trends to understanding credit scores. Our hosts bring their extensive experience and a touch of humor to demystify the mortgage process for consumers and realtors alike. Whether you’re a first-time homebuyer, a seasoned investor, or a real estate professional seeking to enhance your knowledge, this podcast is your go-to source for honest, actionable mortgage wisdom. Join us as we break down the walls of the lending world, one truth at a time.  

The Mortgage Firm  NMLS 189233 Equal Housing Lender
NC License # I-219794

CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE BANKER OR A LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550. THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV.

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”The Brutally Honest Loan Officers: The Unfiltered Mortgage Minds” is a refreshingly candid podcast hosted by two seasoned mortgage lenders, Stephen Brock NMLS 1926015 and Derick Brown NMLS 1640146, from The Mortgage Firm. This podcast cuts through the jargon and complexity of the mortgage industry, offering unfiltered insights and straightforward advice. Each episode delves into the often-overlooked aspects of mortgage lending, from navigating market trends to understanding credit scores. Our hosts bring their extensive experience and a touch of humor to demystify the mortgage process for consumers and realtors alike. Whether you’re a first-time homebuyer, a seasoned investor, or a real estate professional seeking to enhance your knowledge, this podcast is your go-to source for honest, actionable mortgage wisdom. Join us as we break down the walls of the lending world, one truth at a time. The Mortgage Firm NMLS 189233 Equal Housing Lender NC License # I-219794 CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE BANKER OR A LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550. THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV.

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January Recap & Spring 2025 Forecast: What’s Next for Buyers, Sellers, and Rates?

January Recap & Spring 2025 Forecast: What’s Next for Buyers, Sellers, and Rates?

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