🚨 Interest Rates are UP, Home Sales are DOWN—So WHY are Prices Still Rising?! 🚨

Welcome back to the Mortgage 101 Podcast with your trusted hosts, Manley Haines and Anthony Valentino. This episode cracks open the biggest housing mystery of 2025: Why are home prices continuing to soar despite record-high interest rates and cooling sales? 🏡💸

🔑 Here's what we're unpacking:

• 🌪️ Rate Rollercoaster: Understanding the aftermath of the U.S. credit downgrade, affordability struggles, and the truth about future mortgage rates.
• 🏠 Inventory Myths & Reality: Why increased inventory isn't lowering prices, plus the hidden factors keeping home values high.
• 💳 Discretionary Spending Trap: How spending habits of Millennials and Gen Z are radically reshaping the real estate landscape.
• 🏗️ Sticky Pricing & Builders’ Dilemma: The truth behind construction costs and why builders aren't flooding the market.

🎯 PLUS: Don't miss our new fan-favorite segment, Rapid Fire Mortgage Buzzwords! We break down essential mortgage terms—APR, Cash to Close, Pre-approval vs. Power Bid, and more—to make you an empowered buyer or investor!

🔥 Manley & Anthony deliver insider strategies, real-world solutions, and no-nonsense truths to help you navigate today’s wild mortgage market.

Whether you're buying your first home, investing, or just looking for clarity in a turbulent market, this episode is your definitive guide!

💬 Join the conversation:

• What mortgage myths have YOU heard?
• Drop your biggest questions below!

📌 Follow, Subscribe, and Share this episode! Let's break down barriers, build your confidence, and boost your homeownership dreams!

#Mortgage101 #HomeBuying #RealEstateTips #MortgageSecrets #FinancialFreedom #HomePrices #MortgageBuzzwords #AnthonyValentino #ManleyHaines #HousingMarket #Millennials #GenZ #FinancialEducation #MarketInsights #HomeownershipGoals #RealEstatePodcast #MortgageRates #FirstTimeHomebuyer

🌐 Visit our website: https://themortgage101.com/

📲 Subscribe on YouTube: https://www.youtube.com/@TheMortgage101-Podcast

📌 Episode Description:

In this essential episode of The Mortgage 101 Podcast, Manley and Anthony dive into one of today's biggest real estate puzzles: how home prices continue to rise even as interest rates top 7% and home sales slow dramatically.

We'll break down:

• How recent U.S. credit downgrades and higher interest rates affect home affordability and buyer confidence.
• The surprising reasons behind persistent home price increases despite fewer home sales.
• Expert insights into current housing supply and demand dynamics.
• Plus, our new Rapid Fire Mortgage Terms segment to boost your real estate IQ!

Perfect for homeowners, buyers, and industry professionals looking for clarity in a volatile market.

🎯 Key Points:

• Interest rates rising above 7% and its real-time market impact.
• Deep dive into housing market dynamics and price resilience.
• Rapid Fire Mortgage Terms for quick, practical insights.

🔑 What You'll Learn:

• Why home prices defy traditional market logic.
• How to interpret and respond to current market signals.
• Mortgage buzzwords every homebuyer and realtor should know.

📢 Connect with Us:

• Manley Haines: www.manleyhaines.com
• Follow and Subscribe for more market insights and mortgage strategies.

📲 Hashtags:

#Mortgage101Podcast #HomePrices #InterestRates #RealEstateMarket #MortgageBuzzwords #Homeownership #MortgageTips #HousingMarket

🎧 Available Now on YouTube, Spotify, and Apple Podcasts!

🌐 Visit our website: https://themortgage101.com/

📲 Subscribe on YouTube: https://www.youtube.com/@TheMortgage101-Podcast

This week, Anthony & Manley unpack why sellers are staying put despite massive home equity and what that means for today's buyers. From amortization insights to the refinancing math most people miss, this episode gives you the strategy you need now.

We cover:

• Fed rate expectations for 2024
• Bond market volatility explained simply
• Why renting could be the costliest mistake
• When to refinance — and when to HOLD
• Using amortization and break-even analysis to make better decisions
• Why loan structure matters for investors vs. primary buyers
• The myth of zero balances on credit cards

Plus: Our fan-favorite Rapid Fire Buzzwords round returns!

🌐 Visit our website: https://themortgage101.com/

📲 Subscribe on YouTube: https://www.youtube.com/@TheMortgage101-Podcast

 In this episode of The Mortgage 101 Podcast, Anthony and Manley break down five major fears buyers are facing in today’s market — and why smart, confident homeownership still wins. 

🎯 We cover: 

• Fear of the unknown in a volatile market
• Bond and stock market confusion — why rates move the way they do
• Why the media’s fear tactics don’t reflect market reality
• Real-life tips to avoid becoming a “deer in the headlights” buyer
• What’s really happening with inventory, rates, and the future of homeownership

🏡 Plus: How your home is your #1 wealth-building tool — and why waiting might cost you more than you think.
 
🔔 Subscribe and share with someone sitting on the sidelines!
 
#Mortgage101 #HousingMarket2025 #HomeBuyingTips #RealEstateEducation #VolatilityExplained
 

🌐 Visit our website: https://themortgage101.com/

📲 Subscribe on YouTube: https://www.youtube.com/@TheMortgage101-Podcast

Welcome to Episode 2 of The Mortgage 101 Podcast with Anthony & Manley!
In this episode, we help you shop smarter and buy confidently.

🎯 Highlights:

• Smart Underwrite approvals explained
• Loan-killing mistakes to avoid (like new debt and job changes)
• Understanding your DTI and LTV
• Why knowledge = confidence in any market

🔥 Get educated, get empowered, and let's get you home.

🌐 Visit our website: https://themortgage101.com/

📲 Subscribe on YouTube: https://www.youtube.com/@TheMortgage101-Podcast

 The Mortgage 101 Podcast with Anthony & Manley
Welcome to the podcast that puts real power in the hands of homebuyers.
We’re Anthony and Manley — mortgage pros, educators, and your financial teammates — here to demystify the mortgage process and help you move from uncertainty to confidence.
Each episode gives you clear, honest guidance about homeownership, interest rates, credit, real estate trends, and how to use your mortgage as a tool to build long-term wealth.
No jargon. No pressure. Just the truth — and a whole lot of support.
Let’s get you home.
🎧 Subscribe now and start owning your financial future. 

🌐 Visit our website: https://themortgage101.com/

📲 Subscribe on YouTube: https://www.youtube.com/@TheMortgage101-Podcast