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The Fed just cut rates… so why are mortgage rates getting worse?

In this week’s episode of The Loans Elevated Podcast, Broch and TJ break down the recent Fed announcement — the October 2025 rate cut — and why the headlines don’t tell the full story. From the ongoing sell-off of mortgage-backed securities to the Fed’s mixed signals on inflation, they unpack what really drives mortgage rates and why your clients may see higher pricing even after a rate cut.

They also discuss how Amazon’s massive AI-driven layoffs and the political tension between Jerome Powell and President Trump are shaping investor sentiment and economic policy. The result? A volatile mortgage market and a lot of consumer confusion.

If you’ve ever had a buyer text you, “Did my rate drop 0.25%?” — this episode is for you.

👉 Read the full breakdown: https://www.loanselevated.com/elevated-insights/mortgage-rates-vs-fed-funds-rate

🎙 Loans Elevated Podcast

Clear, strategic conversations on mortgages, real estate, and home financing — designed to help you make confident, informed decisions without the hype.

Hosted by Loans Elevated, presented by The Lassig Team at CrossCountry Mortgage.

🔗 Resources & links: https://lassigteam.com
📲 Follow us on Instagram & Facebook: @loanselevated

Hosts:
Broch Lassig - Branch Manager | NMLS 340314
TJ Heidenreich - Sales Manager | NMLS 1802412
Ryan King - Loan Officer | NMLS 1870771
Branch NMLS 2048956

Equal Housing Opportunity.
All loans subject to underwriting approval. Certain restrictions may apply.

CrossCountry Mortgage, LLC | NMLS 3029
www.nmlsconsumeraccess.org

This podcast is for educational purposes only and does not constitute financial, legal, or tax advice. Consult a qualified professional regarding your individual situation.

Send us a text

Think Black Friday only happens at Target? Think again.

In this week’s episode, the Loans Elevated podcast breaks down why Q4 is secretly one of the best times to buy real estate and how smart buyers and investors can use this season to negotiate thousands off list prices.

We’re talking:

• 📉 Rates trending lower while inventory climbs
• 🏠 Sellers are more motivated (and willing to negotiate)
• 🧠 Data showing Q4 homes often appraise above purchase price
• 💰 How investors use Q4 purchases for year-end tax advantages

This year, the numbers are aligning with more listings, lower rates, and better leverage. Whether you’re a first-time buyer, investor, or just curious about market timing, this episode shows how to make the market work for you before year’s end.

🎧 Tune in and subscribe for your weekly market insights, brought to you by The Lassig Team at CrossCountry Mortgage, a nationally ranked top 1% mortgage team.

🎙 Loans Elevated Podcast

Clear, strategic conversations on mortgages, real estate, and home financing — designed to help you make confident, informed decisions without the hype.

Hosted by Loans Elevated, presented by The Lassig Team at CrossCountry Mortgage.

🔗 Resources & links: https://lassigteam.com
📲 Follow us on Instagram & Facebook: @loanselevated

Hosts:
Broch Lassig - Branch Manager | NMLS 340314
TJ Heidenreich - Sales Manager | NMLS 1802412
Ryan King - Loan Officer | NMLS 1870771
Branch NMLS 2048956

Equal Housing Opportunity.
All loans subject to underwriting approval. Certain restrictions may apply.

CrossCountry Mortgage, LLC | NMLS 3029
www.nmlsconsumeraccess.org

This podcast is for educational purposes only and does not constitute financial, legal, or tax advice. Consult a qualified professional regarding your individual situation.

Send us a text

When the government shuts down, it’s not just politics—it’s personal. From TSA employees missing paychecks to delays in government-backed loans, the ripple effects can impact everything from your mortgage process to your next flight.

In this week’s episode of Loans Elevated, we break down what the current government shutdown means for homebuyers, homeowners, and industry professionals. We discuss which loan programs are most affected (like USDA), what delays you can expect for tax transcripts and verifications, and how to proactively protect your loan from disruption.

You’ll also hear about the broader market impact—why missing jobs data can stall mortgage rate movement, how the shutdown creates bottlenecks across the housing process, and why calm, proactive communication with clients matters most right now.

If you’re buying, refinancing, or advising clients, this episode gives you the facts, not the fear.

🎙 Loans Elevated Podcast

Clear, strategic conversations on mortgages, real estate, and home financing — designed to help you make confident, informed decisions without the hype.

Hosted by Loans Elevated, presented by The Lassig Team at CrossCountry Mortgage.

🔗 Resources & links: https://lassigteam.com
📲 Follow us on Instagram & Facebook: @loanselevated

Hosts:
Broch Lassig - Branch Manager | NMLS 340314
TJ Heidenreich - Sales Manager | NMLS 1802412
Ryan King - Loan Officer | NMLS 1870771
Branch NMLS 2048956

Equal Housing Opportunity.
All loans subject to underwriting approval. Certain restrictions may apply.

CrossCountry Mortgage, LLC | NMLS 3029
www.nmlsconsumeraccess.org

This podcast is for educational purposes only and does not constitute financial, legal, or tax advice. Consult a qualified professional regarding your individual situation.

Send us a text

Utah is transforming before our eyes. From the Inland Port and The Point project to massive tech and infrastructure expansions, the state’s economic engine is running hotter than ever—and that means major opportunities for homeowners and investors.

In this week’s episode of Loans Elevated, Broch sits down with Jack Andrews of Edge Homes to break down what these massive developments mean for Utah’s housing market. They explore how multi-billion-dollar projects, including the upcoming 2034 Winter Olympics, will reshape property values, drive population growth, and impact affordability across the Wasatch Front.

Whether you’re a real estate agent, investor, or first-time buyer, this episode connects the dots between Utah’s rapid growth, limited buildable land, and long-term housing demand. Learn why now—before the next economic wave hits—might be the smartest time to buy or invest in Utah real estate.

🎙 Loans Elevated Podcast

Clear, strategic conversations on mortgages, real estate, and home financing — designed to help you make confident, informed decisions without the hype.

Hosted by Loans Elevated, presented by The Lassig Team at CrossCountry Mortgage.

🔗 Resources & links: https://lassigteam.com
📲 Follow us on Instagram & Facebook: @loanselevated

Hosts:
Broch Lassig - Branch Manager | NMLS 340314
TJ Heidenreich - Sales Manager | NMLS 1802412
Ryan King - Loan Officer | NMLS 1870771
Branch NMLS 2048956

Equal Housing Opportunity.
All loans subject to underwriting approval. Certain restrictions may apply.

CrossCountry Mortgage, LLC | NMLS 3029
www.nmlsconsumeraccess.org

This podcast is for educational purposes only and does not constitute financial, legal, or tax advice. Consult a qualified professional regarding your individual situation.

Send us a text

When the Federal Reserve announces a rate cut, most people expect mortgage rates to drop too. But here’s the truth: Fed funds rates and mortgage rates aren’t directly tied, and that’s where so much confusion comes in.

In this week’s episode of Loans Elevated, we break down the difference between Fed rate cuts, Treasury yields, and mortgage-backed securities. We explain why mortgage rates often move before Fed announcements, why the 10-year Treasury is the real market to watch, and how jobs data is currently the single biggest driver of mortgage rates.

Whether you’re a homebuyer wondering if now is the right time to lock, or a real estate agent advising clients, this episode gives you the tools to cut through the headlines and understand what actually moves mortgage rates. Timing matters—and knowing the difference between hype and reality can save thousands on a monthly payment.

🎙 Loans Elevated Podcast

Clear, strategic conversations on mortgages, real estate, and home financing — designed to help you make confident, informed decisions without the hype.

Hosted by Loans Elevated, presented by The Lassig Team at CrossCountry Mortgage.

🔗 Resources & links: https://lassigteam.com
📲 Follow us on Instagram & Facebook: @loanselevated

Hosts:
Broch Lassig - Branch Manager | NMLS 340314
TJ Heidenreich - Sales Manager | NMLS 1802412
Ryan King - Loan Officer | NMLS 1870771
Branch NMLS 2048956

Equal Housing Opportunity.
All loans subject to underwriting approval. Certain restrictions may apply.

CrossCountry Mortgage, LLC | NMLS 3029
www.nmlsconsumeraccess.org

This podcast is for educational purposes only and does not constitute financial, legal, or tax advice. Consult a qualified professional regarding your individual situation.

Send us a text

Rates are falling—and with them comes one of the biggest opportunities buyers and homeowners have seen in years.

In this episode of Loans Elevated, we break down why waiting for the “perfect” rate could cost you tens of thousands in lost buying power. You’ll learn:

• How a 1% drop in rates adds 50,000 new Utah buyers to the market (and what that means for competition)
• The math behind refinancing with no break-even period—saving $300+ per month instantly
• Why skipping payments and escrow refunds make refinancing profitable from day one
• How our Client for Life program eliminates lender fees forever
• Creative strategies for first-time buyers, including FHA streamline refinances and seller concessions

Whether you’re buying, refinancing, or just watching the market, this episode shows you how to make money on the money—and why hesitation might be your most expensive mistake.

👉 Run your numbers with our free Strategic Mortgage Audit: loanselevated.com/mortgage-audit

👉 Download our free eBook: HMPbook.com

🎙 Loans Elevated Podcast

Clear, strategic conversations on mortgages, real estate, and home financing — designed to help you make confident, informed decisions without the hype.

Hosted by Loans Elevated, presented by The Lassig Team at CrossCountry Mortgage.

🔗 Resources & links: https://lassigteam.com
📲 Follow us on Instagram & Facebook: @loanselevated

Hosts:
Broch Lassig - Branch Manager | NMLS 340314
TJ Heidenreich - Sales Manager | NMLS 1802412
Ryan King - Loan Officer | NMLS 1870771
Branch NMLS 2048956

Equal Housing Opportunity.
All loans subject to underwriting approval. Certain restrictions may apply.

CrossCountry Mortgage, LLC | NMLS 3029
www.nmlsconsumeraccess.org

This podcast is for educational purposes only and does not constitute financial, legal, or tax advice. Consult a qualified professional regarding your individual situation.

Send us a text

Everyone says we need more affordable housing—but why is it so hard to actually build it?

In this episode of Loans Elevated, we sit down with Josh Best of Countryside Homes to unpack the real reasons behind Utah’s housing affordability crisis. From zoning roadblocks and city politics to skyrocketing labor costs and fees, we reveal what’s really driving prices higher—and what (if anything) can fix it.

You’ll learn:

• Why zoning rules and city councils often kill affordability before a project starts
• How labor shortages, tariffs, and fees add tens of thousands to home prices
• Why a 40-year mortgage isn’t the solution most people think it is
• How builders are negotiating behind the scenes to keep homes “affordable”
• What buyers should really focus on in today’s market to get into a home

 👉 Run your own numbers with our Strategic Mortgage Audit: loanselevated.com/mortgage-audit

🎧 Listen now for an inside look at the people, politics, and pressures shaping today’s housing market.

🎙 Loans Elevated Podcast

Clear, strategic conversations on mortgages, real estate, and home financing — designed to help you make confident, informed decisions without the hype.

Hosted by Loans Elevated, presented by The Lassig Team at CrossCountry Mortgage.

🔗 Resources & links: https://lassigteam.com
📲 Follow us on Instagram & Facebook: @loanselevated

Hosts:
Broch Lassig - Branch Manager | NMLS 340314
TJ Heidenreich - Sales Manager | NMLS 1802412
Ryan King - Loan Officer | NMLS 1870771
Branch NMLS 2048956

Equal Housing Opportunity.
All loans subject to underwriting approval. Certain restrictions may apply.

CrossCountry Mortgage, LLC | NMLS 3029
www.nmlsconsumeraccess.org

This podcast is for educational purposes only and does not constitute financial, legal, or tax advice. Consult a qualified professional regarding your individual situation.

Send us a text

The jobs market just showed its first real cracks in 5 years—and the ripple effect is already hitting mortgage rates.

In this week’s Loans Elevated episode, we break down the latest BLS report, Fed expectations, and why this could be the golden window for buyers.

You’ll learn:

• Why unemployment and weak job growth are now the #1 driver of mortgage rates
• Why Fed cuts in September are already “priced in”
• The risk of stagflation if the Fed moves too aggressively
• How today mirrors the 1980s rate whiplash (and why that matters now)
• Why now may be the perfect moment to buy—before the crowd jumps back in
• Smart ways to use HELOCs and refinancing to consolidate debt without losing your low COVID-era rate

👉 Want to know what this shift means for your numbers? Get a free Strategic Mortgage Audit: loanselevated.com/mortgage-audit

🎧 Listen now and learn how to position yourself before the market reacts.

🎙 Loans Elevated Podcast

Clear, strategic conversations on mortgages, real estate, and home financing — designed to help you make confident, informed decisions without the hype.

Hosted by Loans Elevated, presented by The Lassig Team at CrossCountry Mortgage.

🔗 Resources & links: https://lassigteam.com
📲 Follow us on Instagram & Facebook: @loanselevated

Hosts:
Broch Lassig - Branch Manager | NMLS 340314
TJ Heidenreich - Sales Manager | NMLS 1802412
Ryan King - Loan Officer | NMLS 1870771
Branch NMLS 2048956

Equal Housing Opportunity.
All loans subject to underwriting approval. Certain restrictions may apply.

CrossCountry Mortgage, LLC | NMLS 3029
www.nmlsconsumeraccess.org

This podcast is for educational purposes only and does not constitute financial, legal, or tax advice. Consult a qualified professional regarding your individual situation.

Send us a text

Why are some listings flying off the market while others sit for weeks or months?

In this episode of Loans Elevated, we bring on top Utah realtor Nick Gonzalez to debate the age-old question: What sells a home faster—compelling price or superior quality?

You’ll learn:

• Why “days on market” is like cancer for listings
• How buyers actually calculate value (hint: they exaggerate repair costs 5–10x)
• When to upgrade before listing vs. when to drop price
• Why unrepresented buyers are a massive untapped opportunity right now
• How certainty beats “top dollar” in today’s market negotiations

Whether you’re a seller trying to net the most, or an agent trying to guide clients through a shifting market, this episode will give you a blueprint for smarter strategy.

🎧 Listen now and avoid the mistakes that cost sellers tens of thousands.

🎙 Loans Elevated Podcast

Clear, strategic conversations on mortgages, real estate, and home financing — designed to help you make confident, informed decisions without the hype.

Hosted by Loans Elevated, presented by The Lassig Team at CrossCountry Mortgage.

🔗 Resources & links: https://lassigteam.com
📲 Follow us on Instagram & Facebook: @loanselevated

Hosts:
Broch Lassig - Branch Manager | NMLS 340314
TJ Heidenreich - Sales Manager | NMLS 1802412
Ryan King - Loan Officer | NMLS 1870771
Branch NMLS 2048956

Equal Housing Opportunity.
All loans subject to underwriting approval. Certain restrictions may apply.

CrossCountry Mortgage, LLC | NMLS 3029
www.nmlsconsumeraccess.org

This podcast is for educational purposes only and does not constitute financial, legal, or tax advice. Consult a qualified professional regarding your individual situation.

Send us a text

Is real estate still a legit path to retirement in 2025?

In this episode of Loans Elevated, we tackle one of the most common questions we get from clients: Can I still become a millionaire through real estate in today’s market?

You’ll learn:

• Why seller financing isn’t always the “golden ticket” (and the risks of due-on-sale clauses)
• The truth about chasing cash flow vs. banking on appreciation
• How buying just 2 homes in your lifetime can set you up with multimillion-dollar retirement wealth
• A step-by-step example of turning a $450K starter home into a $2.8M asset + $1.2M in investments
• The rental portfolio loop: how to use HELOCs & primaries to scale smarter

Real estate may not be the flashy play right now, but the math proves it’s still one of the cleanest, most certain paths to generational wealth.

👉 Want to run your own numbers? Start with our free Mortgage Audit: LoansElevated.com/mortgage-audit

🎧 Tune in now and rethink what’s possible with just a couple of smart real estate moves.

🎙 Loans Elevated Podcast

Clear, strategic conversations on mortgages, real estate, and home financing — designed to help you make confident, informed decisions without the hype.

Hosted by Loans Elevated, presented by The Lassig Team at CrossCountry Mortgage.

🔗 Resources & links: https://lassigteam.com
📲 Follow us on Instagram & Facebook: @loanselevated

Hosts:
Broch Lassig - Branch Manager | NMLS 340314
TJ Heidenreich - Sales Manager | NMLS 1802412
Ryan King - Loan Officer | NMLS 1870771
Branch NMLS 2048956

Equal Housing Opportunity.
All loans subject to underwriting approval. Certain restrictions may apply.

CrossCountry Mortgage, LLC | NMLS 3029
www.nmlsconsumeraccess.org

This podcast is for educational purposes only and does not constitute financial, legal, or tax advice. Consult a qualified professional regarding your individual situation.