In this episode of The Mortgage Show, Chris and Randy break down a rollercoaster week in the mortgage world. They dig into the brief dip into the 5s, why it didn’t last, and what actually drives rate movement behind the scenes, including mortgage-backed securities, global factors, and inflation pressure.

They also talk real-world strategy, when refinancing actually makes sense, how to be ready when rates move, why fast closings matter more than ever, and what borrowers can do to put themselves in a position to win. Plus, a look at rising credit report costs, debt consolidation through refis, and why local market conditions still matter.

Mortgage talk with context, honesty, and a little fun mixed in.

In this episode of The Mortgage Show, Randy and Beds break down the latest in mortgage news and home financing. They dig into what the latest inflation data means for rates, how to properly compare lenders using the Loan Estimate, and why it’s crucial to watch out for fluff numbers. They also cover recent updates to the MaineHousing program income limits and go deep on mobile home financing—what’s allowed, what kills a deal, and what borrowers need to know. Plus, some Celtics talk gets mixed in as they process the Jayson Tatum injury and try to stay optimistic.

00:00 Introduction and Casual Banter

00:16 Discussing Jason Tatum's Injury

01:02 Celtics' Playoff Hopes

01:40 Frustrations with Jalen Brown

03:26 Transition to Mortgage Talk

04:00 Economic News and Mortgage Rates

06:39 Main State Housing Program

13:25 Mobile Homes: Key Considerations

17:09 Loan Eligibility for Mobile Homes

17:33 Engineer's Certification and Costs19:06 Interest Rates and Down Payments

19:49 Comparing Lenders and Loan Estimates

21:06 Understanding Closing Costs

27:59 Escrow and Property Taxes

34:32 Market Predictions and Inventory Levels

36:02 Conclusion and Final Thoughts

Randy Forcier

Loan Officer I NMLS 322749

CMG Home Loans

9 Beach St, 2nd Floor

Saco, ME 04072

207-590-0337 l [email protected]

Chris Bedard

Loan Officer l NMLS 323290

CMG Home Loans

9 Beach St, 2nd Floor

Saco, ME 04072

207-229-4731 l [email protected]

THE MORTGAGE SHOW

🍏 Apple Podcasts: https://apple.co/4eAEdt0

🎵 Spotify: https://spoti.fi/4eV1c1I

RANDY FORCIER PODCASTS LINKS

🍏 Apple Podcasts: https://apple.co/45sscBj

🎵 Spotify: https://spoti.fi/3swOZNI

📺 YouTube: https://bit.ly/3YSh661

Contact us with any loan questions, comments or ideas for future episodes.

On this Episode we dive into the wild ride of the mortgage world, where spring brings not just showers but also unexpected market twists. We chat about lower mortgage rates, creative refinancing moves, and even appraisals that throw curveballs—turning setbacks into closing day wins. It’s an honest, behind-the-scenes look at tackling challenging deals, sharing laughs, and staying cool when the market gets wild. Tune in for a spirited ride and some real talk about turning mortgage mayhem into momentum.

Hosted by Randy Forcier & Chris Bedard

Contact us with any loan questions, comments or ideas for future episodes.

On this episode of The Mortgage Show, we chat about the latest mortgage trends, including why interest rates are dropping and what that means for buyers, homeowners, and refinances. We also dive into market inventory, unique loan scenarios, and how our network of local pros can help with everything from home financing to junk removal. Plus, a personal tribute to an amazing 13-year companion. Tune in for valuable insights, real talk, and a few good laughs along the way.

00:00 Introduction and Casual Chat00:18 Springtime and Golf Talk01:04 Skiing Adventures and Nervous Moments01:56 Mortgage Market Overview02:45 Interest Rates and Economic Indicators07:01 Refinancing Opportunities10:09 Government Jobs and Market Predictions12:34 Divorce and Mortgage Refinancing14:50 Maine State Housing Programs16:20 Current Inventory Insights16:54 Market Trends and Inventory Observations17:58 Unique Property Deals and Financing Challenges21:24 Navigating Condo Purchases and Association Issues26:45 Highlighting Local Business Connections31:44 Personal Reflections and Closing Remarks

Randy ForcierLoan Officer | NMLS 322749CMG Home Loans9 Beach St, 2nd FloorSaco, ME 04072📞 207-590-0337 | ✉️ [email protected]

Chris BedardLoan Officer | NMLS 323290CMG Home Loans9 Beach St, 2nd FloorSaco, ME 04072📞 207-229-4731 | ✉️ [email protected]

THE MORTGAGE SHOW🍏 Apple Podcasts: https://apple.co/4eAEdt0🎵 Spotify: https://spoti.fi/4eV1c1I

RANDY FORCIER PODCASTS LINKS🍏 Apple Podcasts: https://apple.co/45sscBj🎵 Spotify: https://spoti.fi/3swOZNI📺 YouTube: https://bit.ly/3YSh661

Contact us with any loan questions, comments, or ideas for future episodes.

On this episode of The Mortgage Show, we’re joined by special guest Darcy Bastarache as we dive into everything happening in the mortgage world right now. We break down the latest market trends, including inflation data, interest rate movement, and what’s impacting mortgage-backed securities.We also answer some great listener questions, covering topics like:✅ How to apply for a mortgage and what to expect✅ The truth about paying points—are they worth it?✅ Third-party fees vs. escrow—what's the difference?✅ The latest updates on VA, FHA, and RD loans✅ How mortgage recasting works✅ What you need to know about refinancing during a divorcePlus, we get into some fun sports talk with The Cheap Seats crew, discuss Elon Musk’s cryptic tweet about the CFPB, and share why CMG’s Rate Rebound Program and Fresh Start Program are game-changers for borrowers.Whether you’re buying, refinancing, or just want to stay informed, this episode is packed with valuable insights to help you navigate the mortgage world.

00:00 Introduction and Casual Chat00:56 Sports Talk and Super Bowl Recap02:09 Mortgage News and Economic Update05:06 Rate Rebound Program Explained06:17 Fresh Program and Cannabis Buyers09:23 CFPB Discussion and Industry Changes13:47 Mortgage Application Process16:04 Understanding Points and Interest Rates19:48 Third Party Fees vs. Escrow Costs20:51 Understanding Property Costs and Escrow Accounts21:32 Comparing Lenders and Closing Costs24:31 Impact of U.S. Treasury on Mortgage Rates26:09 Exploring Mortgage Recasting28:11 Common Loan Types: Conventional, VA, FHA, and RD34:58 Rehab Loans: A Deep Dive38:41 Navigating Divorce and Refinancing43:46 Final Thoughts and Wrap-Up

Randy Forcier Loan Officer I NMLS 322749 CMG Home Loans 9 Beach St, 2nd FloorSaco, ME 04072 207-590-0337 l [email protected]

Chris Bedard Loan Officer l NMLS 323290 CMG Home Loans 9 Beach St, 2nd Floor Saco, ME 04072 207-229-4731 l [email protected]

THE MORTGAGE SHOW🍏 Apple Podcasts:https://apple.co/4eAEdt0🎵 Spotify:https://spoti.fi/4eV1c1I

RANDY FORCIER PODCASTS LINKS🍏 Apple Podcasts:https://apple.co/45sscBj🎵 Spotify:https://spoti.fi/3swOZNI📺 YouTube:https://bit.ly/3YSh661

Contact us with any loan questions, comments or ideas for future episodes.

In this first episode of 2025, Randy and Chris kick off the year with banter, bold predictions, and mortgage insights. They cover everything from Mike Vrabel’s return to the Patriots, to current mortgage trends, interest rates, and credit tips for buyers and agents. Dive into unique loan programs like Maine State Housing, bridge loans, and more, all with a conversational vibe that’s as informative as it is entertaining. Stick around for updates on upcoming events and Randy’s beard rating. Your go-to mortgage podcast is back for another great year!

00:00 Introduction and Casual Banter

Randy Forcier

Chris Bedard

THE MORTGAGE SHOW

Contact us with any loan questions, comments or ideas for future episodes.

Music from #Uppbeat (free for Creators!): https://uppbeat.io/t/paulo-kalazzi/heros-timeLicense code: F5VL7ZZ7KQITOFBH

Randy and Chris are back for the final episode of 2024! They reflect on the highs and challenges of the year, discussing relationships, networking, and professional growth. From navigating the higher-rate mortgage environment to sharing personal milestones, this episode dives deep into their experiences and lessons learned.

Hear insights on 2025 market predictions, interest rates, debt consolidation trends, and how AI might reshape the mortgage industry. Plus, plenty of banter, laughs, and a glimpse into their personal lives as dads and professionals.

Join them as they wrap up the year with gratitude, optimism, and a look ahead to what's next.

00:00 Introduction and Year-End Reflections

Randy Forcier

Chris Bedard

THE MORTGAGE SHOW

Contact us with any loan questions, comments or ideas for future episodes.

Music from #Uppbeat (free for Creators!): https://uppbeat.io/t/paulo-kalazzi/heros-timeLicense code: F5VL7ZZ7KQITOFBH

In this episode of The Mortgage Show, Randy and Chris mix business with a little fun, diving into fantasy football banter before settling in for some serious mortgage talk. The duo shares insights on new appraisal waiver rules, non-QM loan options for self-employed borrowers, and changes to Maine State Housing income limits. They also discuss VA loans with high debt-to-income ratios and a resurgence of 203(k) rehab loans.

The highlight of the episode is a guest appearance by "Uncle Tony," a seasoned finance pro who breaks down the connections between inflation, the Fed funds rate, and mortgage rates. He also explores the current state of the economy and housing market trends. Packed with technical insights and practical advice, this episode is both informative and entertaining for borrowers, realtors, and anyone curious about mortgages.

00:00 Welcome Back to the Mortgage Show

Randy Forcier

Chris Bedard

THE MORTGAGE SHOW

Contact us with any loan questions, comments or ideas for future episodes.

Music from #Uppbeat (free for Creators!): https://uppbeat.io/t/paulo-kalazzi/heros-timeLicense code: F5VL7ZZ7KQITOFBH

In this October episode of The Mortgage Show, Randy and Chris dive into the latest on interest rates, reflecting on recent market changes and how it impacts refinancing options. They also discuss fall sports, winter prep, and the state of mortgage-backed securities. With candid insights, they cover everything from escrow holdbacks to FHA loans, plus a unique non-QM product for self-employed borrowers. Tune in for a laid-back, informative discussion about the current mortgage market and what’s on the horizon!

00:00 Introduction and Catching Up

Randy Forcier

Chris Bedard

Contact us with any loan questions, comments or ideas for future episodes.

Music from #Uppbeat (free for Creators!): https://uppbeat.io/t/paulo-kalazzi/heros-timeLicense code: F5VL7ZZ7KQITOFBH

#MortgageShow #InterestRates #EscrowHoldback #FHALoans #NonQM #RealEstate #MortgageTips #HomeBuying #Refinance #LoanOptions #MortgageRates #HomeLoans #SelfEmployedBorrowers #CMGHomeLoans #MortgageMarket #HousingMarket #MortgageAdvice #RealEstateTips #MortgageLender #MortgagePlanning

00:00 Welcome to the Mortgage Show!

Randy Forcier

Chris Bedard

Contact us with any loan questions, comments or ideas for future episodes.

Music from #Uppbeat (free for Creators!):