📞 Schedule a time to meet with Bill here: https://calendly.com/blitton/

📲 Text "LEND" to 21000 to schedule a free 15–minute consultation

Curious about where the housing market is headed next? 2025 was a year of adjustment for real estate, but beneath the headlines, important shifts were taking place. Bill uncovers the shifting trends of 2025 and unveils expert forecasts for 2026. Find out why falling rates and a more balanced market could mean big opportunities for buyers and sellers alike. Don't miss these insider insights!

Here's what we discuss in this episode:

🏡 2025 Recap: Shifts in rates, inventory, and pricing

📉 Rate Drops: The Fed's push toward affordability

📈 2026 Outlook: Economists predict sales surge

🏷️ Market Balance: Price reductions and more choices

💰 Buying Power: Lower rates reshape buyer opportunities

CONTACT:

Schedule a time to meet with Bill here: https://calendly.com/blitton/

Visit the Smart Mortgage Show website for more podcasts, videos and mortgage info: https://smartmortgageshow.com/

Call: 484-352-4151.

Check us out on YouTube: https://bit.ly/3KbUxAF

📞 Schedule a time to meet with Bill here: https://calendly.com/blitton/

📲 Text "LEND" to 21000 to schedule a free 15–minute consultation

Can you turn your assets into a mortgage? Buying a home without a paycheck sounds impossible, but it happens more often than you think. Bill explains how asset utilization lending allows buyers with strong balance sheets, but limited income, to qualify for a mortgage. If you're retired, transitioning careers, or asset-rich but income-light, this episode shows what's possible.

Here's what we discuss in this episode:

🏠 No-Income Challenge: Buying a home without a traditional paycheck

🔄 Alternative Qualification: Using assets instead of W-2 income

📑Asset Criteria: What lenders look for and how assets are calculated

⏳ Fund Requirements: How long assets must be held

🧩 Problem Solving: Evaluating options beyond standard loans

CONTACT:

Schedule a time to meet with Bill here: https://calendly.com/blitton/

Visit the Smart Mortgage Show website for more podcasts, videos and mortgage info: https://smartmortgageshow.com/

Call: 484-352-4151.

Check us out on YouTube: https://bit.ly/3KbUxAF

📞 Schedule a time to meet with Bill here: https://calendly.com/blitton/

📲 Text "LEND" to 21000 to schedule a free 15–minute consultation

Mortgage rates may not be on a roller coaster anymore, and that matters more than most people realize. In this episode, Bill shares why recent stability in rates is creating predictability for buyers, even as the Fed continues adjusting policy. The conversation looks at what's actually influencing mortgage rates right now, what experts expect heading into 2026, and why waiting for the "perfect rate" can be costly.

Here's what we discuss in this episode:

📊 Market Update: Where mortgage rates stand now

🏦 Stability: Why predictability beats volatility

💸 The Fed: How rate cuts really affect mortgages

📈 2026 Outlook: What direction rates may head

🏡 Buyer Insights: Focus on strategy instead of "perfect timing"

CONTACT:

Schedule a time to meet with Bill here: https://calendly.com/blitton/

Visit the Smart Mortgage Show website for more podcasts, videos and mortgage info: https://smartmortgageshow.com/

Call: 484-352-4151.

Check us out on YouTube: https://bit.ly/3KbUxAF

📞 Schedule a time to meet with Bill here: https://calendly.com/blitton/

📲 Text "LEND" to 21000 to schedule a free 15–minute consultation

The median age of first-time homebuyers has climbed to 40, marking a major shift in today's housing market. Why has the average first-time homebuyer age jumped so dramatically in just a few years? Bill explores what's driving that change, referencing the newly released National Association of Realtors' Annual Profile of Home Buyers. Tune in to hear what younger buyers can do now to avoid waiting longer than necessary.

Here's what we discuss in this episode:

🏡 Median Age: First-time buyers hitting 40

💰 Affordability: Inflation reshaping homeownership

🔄 Repeat Buyers: Oldest average on record

🗺️ Buyer Guidance: Steps to buy sooner

🏦 Credit & Debt: Keys to qualifying earlier

CONTACT:

Schedule a time to meet with Bill here: https://calendly.com/blitton/

Visit the Smart Mortgage Show website for more podcasts, videos and mortgage info: https://smartmortgageshow.com/

Call: 484-352-4151.

Check us out on YouTube: https://bit.ly/3KbUxAF

📞 Schedule a time to meet with Bill here: https://calendly.com/blitton/

📲 Text "LEND" to 21000 to schedule a free 15–minute consultation

Most investors assume they must qualify for a rental property the same way they qualify for a primary home, by proving income, debts, job history, and traditional underwriting metrics. But a DSCR loan flips that entire process on its head.

This video will explain how Debt Service Coverage Ratio (DSCR) loans work, why they're becoming so popular among investors, and how they allow you to qualify based on the property's income, not your own. Bill Litton of Cross Country Mortgage walks through how lenders calculate DSCR, how rental income is verified, what kinds of properties qualify, and why underwriters are extra cautious about occupancy fraud.

Here's what we discuss in this episode:

📊 Qualify by rent, not income - The property's cash flow determines approval.

🧾 Appraiser verifies rental value - Rent schedule + lease history drive the DSCR number.

🏘️ Works for many property types - Beach condos, multi-units, single-family rentals, etc.

🚫 Not for primary homes - Underwriters check closely to prevent occupancy fraud.

🪙 LLC ownership allowed - Unlike Fannie/Freddie — big perk for investors.

CONTACT:

Schedule a time to meet with Bill here: https://calendly.com/blitton/

Visit the Smart Mortgage Show website for more podcasts, videos and mortgage info: https://smartmortgageshow.com/

Call: 484-352-4151.

Check us out on YouTube: https://bit.ly/3KbUxAF

📞 Schedule a time to meet with Bill here: https://calendly.com/blitton/

📲 Text "LEND" to 21000 to schedule a free 15–minute consultation

A proposed 50-year mortgage has sparked debate across the housing world, but would it actually help buyers, or just saddle them with decades of interest?

In this episode of the Smart Mortgage Show, Bill breaks down what a 50-year mortgage could look like, who it might help, and why it absolutely won't be the right fit for everyone. Even though the longer term reduces the monthly payment, will the 30-year loan still remain the gold standard? We'll explain how each product stacks up and why the 50-year might be getting too much criticism.

Here's what we discuss in this episode:

🏡 Another Tool — Not for Everyone

💸 Lower Payment, Higher Interest

🔑 Pathway Into Homeownership

📈 Equity Growth Still Matters

📊 Rates Will Be Higher

CONTACT:

Schedule a time to meet with Bill here: https://calendly.com/blitton/

Visit the Smart Mortgage Show website for more podcasts, videos and mortgage info: https://smartmortgageshow.com/

Call: 484-352-4151.

Check us out on YouTube: https://bit.ly/3KbUxAF

📞 Schedule a time to meet with Bill here: https://calendly.com/blitton/

📲 Text "LEND" to 21000 to schedule a free 15–minute consultation

As we close out the year, Bill breaks down the latest mortgage rate trends, why rates have settled into a tight range, and what economic factors are shaping the market heading into 2026. It's a clear-eyed look at where things stand today and the key indicators that will drive rate movement in the months ahead. Have you been trying to buy or simply watching the market? This update gives you the clarity you need heading into the new year.

Here's what we discuss in this episode:

💸 Today's Mortgage Rate Landscape: understanding the low-6% environment

📊 What Moves Rates: inflation, employment, the 10-year treasury, and Fed decisions

🔮 Future Market Direction: insights into where rates may trend in 2026

🗓️ A Look Back at 2025: what this year taught buyers, sellers, and homeowners

📞 Staying Connected: how to reach Bill for guidance heading into the new year

CONTACT:

Schedule a time to meet with Bill here: https://calendly.com/blitton/

Visit the Smart Mortgage Show website for more podcasts, videos and mortgage info: https://smartmortgageshow.com/

Call: 484-352-4151.

Check us out on YouTube: https://bit.ly/3KbUxAF

📞 Schedule a time to meet with Bill here: https://calendly.com/blitton/

📲 Text "LEND" to 21000 to schedule a free 15–minute consultation

Being furloughed can create uncertainty, not just with your income, but with major financial decisions like buying a home. In this episode, Bill helps break down how furloughs can affect the mortgage process and what borrowers should understand before making their next move. It's a reminder that preparation, communication, and finding the right lending partner make all the difference, especially during uncertain times.

Here's what we discuss in this episode:

🏠 Mortgage challenges during furlough: why income interruptions complicate the process

👥 Alternative qualification options: using co-signers, spouses, or restructuring

🔄 Planning ahead: preparing for shutdowns before they impact your loan

📞 Verification issues: how employment checks can delay or block closing

CONTACT:

Schedule a time to meet with Bill here: https://calendly.com/blitton/

Visit the Smart Mortgage Show website for more podcasts, videos and mortgage info: https://smartmortgageshow.com/

Call: 484-352-4151.

Check us out on YouTube: https://bit.ly/3KbUxAF

📞 Schedule a time to meet with Bill here: https://calendly.com/blitton/

📲 Text "LEND" to 21000 to schedule a free 15–minute consultation

Curious about what it really takes to afford a $2 million home? Bill shares how your unique situation can shape your homebuying journey and why smart strategies make a significant difference. Discover actionable strategies, helpful tips, and expert perspectives that will empower you to make informed decisions on your journey to homeownership.

Here's what we discuss in this episode:

💰 Income Breakdown: how much you actually need to earn to buy a $2M home

📉 Debt Impact: how monthly obligations raise or lower affordability

🏠 Down Payment Scenarios: comparing 20%, 30%, and 50% options

📊 Smart Budgeting: understanding what "comfortable" really looks like

CONTACT:

Schedule a time to meet with Bill here: https://calendly.com/blitton/

Visit the Smart Mortgage Show website for more podcasts, videos and mortgage info: https://smartmortgageshow.com/

Call: 484-352-4151.

Check us out on YouTube: https://bit.ly/3KbUxAF

📞 Schedule a time to meet with Bill here: https://calendly.com/blitton/

📲 Text "LEND" to 21000 to schedule a free 15–minute consultation

Are you self-employed and struggling to qualify for a mortgage based on your tax returns? In this episode, Bill explains how bank statement loans can provide an alternative solution to traditional loans. He walks you through the process, benefits, and considerations of these loans, as well as how they compare to traditional mortgage options.

Here's what we discuss in this episode:

📊 Rate & Term: Understanding rates and terms for Bank Statement Loans

📑 Bank Statement Loan Documentation: What you need to provide for a smooth application process

🔄 Refinancing: Future opportunities and the potential for refinancing with better rates

💡 Additional Tips: Key tips and considerations to boost your chances of approval

CONTACT:

Schedule a time to meet with Bill here: https://calendly.com/blitton/

Visit the Smart Mortgage Show website for more podcasts, videos and mortgage info: https://smartmortgageshow.com/

Call: 484-352-4151.

Check us out on YouTube: https://bit.ly/3KbUxAF