Loans Elevated

Are rising foreclosure and bankruptcy headlines signaling a housing crash?

 In this episode of the Loans Elevated Podcast, we break down the actual data — not the fear-based headlines — to reveal what’s really happening in the housing market across Utah and nationwide.

We cover:
 • How today’s delinquencies compare to pre-COVID normals
 • Why foreclosure inventory is FAR below historical averages
 • The real story behind rising bankruptcy filings
 • How negative equity remains near historic lows (2% vs. 26% in 2009)
 • Why vacancy rates matter — and what they tell us today
 • The unemployment “trigger point” that could shift the market
 • What would actually need to happen for a housing collapse

Spoiler: Many of the metrics would need to double or triple before we hit legitimate red-flag territory.

We also discuss:
 • Why consumer debt — not mortgage debt — is straining households
 • How homeowners can use equity strategically during uncertain times
 • Why liquidity and planning matter more than ever
 • The danger of making decisions from headlines instead of data

If you’re a homeowner, buyer, investor, or real estate professional, this is your deep dive into the truth behind today’s housing market.

🎧 Tune in to stay informed, not influenced.

Send us Fan Mail

🎙 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.

Everyone’s talking about Trump’s floated idea of 50-year (and even 100-year) mortgages, but do longer loan terms actually solve the affordability problem? In this episode, we break down the math, the psychology, and the reality behind why housing feels unaffordable… and what’s truly driving the crisis.

Inside the episode:
 • The emotional vs mathematical side of affordability
 • Hidden ownership costs skyrocketing beyond rates & prices
 • Why stretching to a 50-year mortgage barely changes your payment
 • How to get into a home strategically
 • The #1 reason most buyers still feel stuck
 • Tactical strategies: subsidy accounts, co-investing, house hacking & more

If you want real strategies (not headlines) to make homeownership work in 2025, this episode is for you.

👉 Get the Holistic Mortgage Planning eBook: hmpbook.com

👉 Follow Loans Elevated on YouTube & Instagram for weekly market updates

Send us Fan Mail

🎙 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.

Big changes are hitting the solar industry.

2025 legislation is ending key federal tax credits and reshaping how solar systems are sold and financed.

In this episode, TJ and Broch share what every Utah homeowner should know:
☀️ How the 2025 law impacts solar incentives
🏠 When solar actually makes financial sense (and when it doesn’t)
💰 The new solar-assist mortgage programs that can fund down payments, roofs, or rate buydowns
⚡ How to calculate your breakeven and avoid paying for someone’s commission

If you’ve ever wondered whether solar is worth it—or how to do it strategically—this episode breaks it all down in true Loans Elevated fashion: no fluff, just facts.

🎧 Listen now and share your thoughts on Instagram → @LoansElevated

Send us Fan Mail

🎙 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.

Utah is entering what experts call “The Decade of Decision.”
With the 2034 Winter Olympics officially on the horizon, every choice we make today—about growth, housing, water, and infrastructure—will shape the Utah we live in tomorrow.

In this episode, the Loans Elevated team breaks down highlights from the new KEM C. Gardner Institute report and explores:
🏔️ What we learned from the 2002 Winter Games
🏘️ How population growth and housing supply will impact affordability
💧 The Great Salt Lake and Utah’s water plan
💡 The Magnificent 7 strengths that make Utah’s economy resilient
⚠️ The Troubling 7 challenges we must address before 2034

Whether you’re a homeowner, investor, or just proud to call Utah home—this conversation will help you see what’s coming and how to prepare for it.

🎧 Listen now and join the conversation about Utah’s future.

Send us Fan Mail

🎙 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.

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

Send us Fan Mail

🎙 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.

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.

Send us Fan Mail

🎙 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.

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.

Send us Fan Mail

🎙 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.

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.

Send us Fan Mail

🎙 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.

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.

Send us Fan Mail

🎙 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.

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

Send us Fan Mail

🎙 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.