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The Pulse and Perspective
The Pulse and Perspective episodes
- Update 07/10/2025: New Jersey Housing Market Hits Turning Point—Is a Buyer’s Market Emerging?
This week on The Pulse and Perspective, Pete D’Angelo breaks down New Jersey's shifting real estate dynamics with fresh July data. 🏡 Median home prices are up 5% YoY, but cracks are forming: 1 in 3 homes are now selling below asking, and expired listings are rising fast. Pete explores how buyer fatigue, global uncertainty, and seller mispricing are converging to create new openings for savvy buyers. Plus: mortgage rate trends, refinance insights, and the real-time pulse on adjustable-rate mortgages.
Whether you're a buyer, seller, or agent, this episode arms you with the data and strategy you need to navigate the mid-summer market.
📊 #HousingMarket #NewJerseyRealEstate #MortgageRates #HomeBuyingTips #RealEstateUpdate #ExpiredListings #Refinance
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Peter D'Angelo | NMLS: 885309 | Branch Manager | Guaranteed Rate, Inc., NMLS 2611
[email protected]
*All information, topics, discussion is my own personal opinion and insight, not reflective of Guaranteed Rate, Inc. May contain market information for informational purposes only, not to be used as financial advice.15 min - Update 07/03/2025: New Jersey Mansion Tax Shake-Up & Mid-Year Market Momentum
Big changes are here for New Jersey real estate! In this special 4th of July week episode, Pete D'Angelo breaks down the sweeping update to the NJ Mansion Tax—what it means for sellers, the new tiered rates, and why it’s sparking a last-minute rush to close before the July 10th deadline.
Then, it's halftime for 2025! Pete reviews the major housing trends so far this year: record-high median prices, rising inventory, and signs of softening demand. Plus, hear his projections for the rest of the year, including why moderating rates may boost buying power—and why volatility is far from over.
If you're a seller, buyer, or real estate pro in New Jersey, this is the update you can’t afford to miss.
📈 #RealEstateNews #MortgageRates #HousingMarketUpdate #NewJerseyHomes #MansionTax #FedPolicy #MarketForecast #HomeBuyingTips #Refinance #InterestRates #InventoryUpdate #4thofJuly #ThePulseAndPerspective
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Peter D'Angelo | NMLS: 885309 | Branch Manager | Guaranteed Rate, Inc., NMLS 2611
[email protected]
*All information, topics, discussion is my own personal opinion and insight, not reflective of Guaranteed Rate, Inc. May contain market information for informational purposes only, not to be used as financial advice.22 min - Update 06/28/2025 Pt. 2: Why the Fed Must Cut Rates to Hit 2% Inflation
In Part 2 of this week’s update, Pete D’Angelo dives headfirst into the most overlooked—and potentially decisive—factor behind inflation: shelter costs. Could the very metric used to measure inflation be the bottleneck preventing it from falling further? Pete builds a compelling case that without lower interest rates, the Fed simply can't achieve its 2% target.
We break down how shelter inflation distorts CPI readings, what the data says about owners’ equivalent rent, and why the lock-in effect is sabotaging supply. Plus:
🔹 The real-time split inside the Fed on upcoming rate cuts
🔹 How to use the summer market shift to your advantage as a buyer or seller
🔹 Advice for brokers and lenders navigating rate lock risks
🔹 Builder incentives, ARMs, and what discount points really mean right nowStay tuned for PCE data dropping today—Pete calls it a guaranteed market mover. This is the kind of deep dive that separates hype from economic reality.
Listen, learn, and level up your perspective on housing, inflation, and monetary policy in this must-hear episode of The Pulse and Perspective.
📬 Got questions or episode ideas? Reach out to Pete via email [email protected] ] or the show notes on your platform of choice.
Watch this episode on Youtube!
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Peter D'Angelo | NMLS: 885309 | Branch Manager | Guaranteed Rate, Inc., NMLS 2611
[email protected]
*All information, topics, discussion is my own personal opinion and insight, not reflective of Guaranteed Rate, Inc. May contain market information for informational purposes only, not to be used as financial advice.18 min - Update 06/26/2025 Pt.1: Mortgage Rates Dip, Housing Market Shifts & Inventory Surges
Mortgage rates just dropped below 6.8% 📉 and summer housing momentum is heating up 🔥. In this episode of The Pulse and Perspective, Peter D’Angelo breaks down what the latest rate changes, borrower activity, and surging inventory mean for buyers, sellers, and the broader real estate market.
We unpack the newest data from the Mortgage Bankers Association and the National Association of Realtors, exploring regional trends, affordability shifts, and why stable—not necessarily low—rates are key for long-term growth. Plus, a surprising dip in new construction permits and what that signals for the months ahead 🏘️.
Whether you're house hunting, refinancing, or just watching the market, this is one not to miss!
#MortgageRates #HousingMarket #HomeSales #RealEstateNews #MarketUpdate #RefinanceTips #SummerHousing #HousingInventory #MortgageTrends #ThePulseAndPerspective
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Interested in getting Pre-Approved? Submit your Pre-Approval inquiry here!
Interested in your Refinance options? Submit your Refinance inquiry here!
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Peter D'Angelo | NMLS: 885309 | Branch Manager | Guaranteed Rate, Inc., NMLS 2611
[email protected]
*All information, topics, discussion is my own personal opinion and insight, not reflective of Guaranteed Rate, Inc. May contain market information for informational purposes only, not to be used as financial advice.16 min - INTERVIEW | From Burnout to Breakthrough: Erin Bradley’s No-Fluff Formula for Mortgage & Life Mastery
Ready to flip the script on burnout and take back your freedom? In this energizing episode of Mortgage, Markets, and More, Erin Bradley—author, speaker, and founder of Pursuing Freedom—shares how she went from riding her bike to client meetings with maxed-out credit cards to building a scalable, heart-centered mortgage business. 💥
Erin opens up about the power of relationship-first strategies, why being "salesy" is NOT the path to success, and how lenders and realtors can thrive through empathy, systems, and a true Go-Giver mindset. 🚴♀️💼 Discover why structure = freedom, how to create referral ecosystems that actually work, and what every self-employed pro needs to hear in 2025. 🔑
If you're ready to stop winging it and start designing a business that fuels your life—not drains it—this is a must-listen. 💡🔥
Connect with Erin!
- YouTube, Facebook, and Instagram: @PursuingFreedomOfficial
- LinkedIn: https://www.linkedin.com/in/erin-bradley/
- 5 Step Guide: www.pursuingfreedom.com/5-step-guide
#MortgageFreedom #GoGiverMindset #RealEstateRevolution #ReferralMarketing #BurnoutRecovery #LoanOfficerLife #RealtorTips #BusinessByDesign #PursuingFreedom #MortgageMondays
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Peter D'Angelo | NMLS: 885309 | Branch Manager | Guaranteed Rate, Inc., NMLS 2611
[email protected]
*All information, topics, discussion is my own personal opinion and insight, not reflective of Guaranteed Rate, Inc. May contain market information for informational purposes only, not to be used as financial advice.1 hr 5 min - UPDATE 6/5/2025: Is the Market Cooling or Just Catching Its Breath?
Mortgage rates tick down, but affordability remains a hurdle! 🏡 This week on Mortgage, Markets, and More, Peter D'Angelo breaks down why a drop in mortgage applications isn't the full story. From cooling buyer demand to rising inventory across New Jersey—especially hot spots like Monmouth County and Jersey City—this update dives into how shifting psychology, longer commutes, and adjustable-rate mortgages are reshaping buyer behavior. 💼🔥
Plus, Peter hints at an exciting new chapter for the show. A rebrand is coming, and it starts with fresh interviews and broader conversations. Don’t miss this pivotal update as we head into a potentially sizzling summer season! ☀️
#RealEstateTrends #MortgageRates #HomeBuyingTips #NJRealEstate #MarketUpdate #InterestRates #HousingMarket2025 #MonmouthCounty #FedWatch #MortgageApplications #InventorySurge
Watch this episode on Youtube!
Interested in getting Pre-Approved? Submit your Pre-Approval inquiry here!
Interested in your Refinance options? Submit your Refinance inquiry here!
Follow me on:- YouTube
Peter D'Angelo | NMLS: 885309 | Branch Manager | Guaranteed Rate, Inc., NMLS 2611
[email protected]
*All information, topics, discussion is my own personal opinion and insight, not reflective of Guaranteed Rate, Inc. May contain market information for informational purposes only, not to be used as financial advice.17 min - Inventory Rising, Sales Falling: Is April 2025 the Market’s Breaking Point?
April’s housing data tells a complex story: inventory is at a five-year high, sales are slipping, and home prices continue to defy gravity—at least for now. In this week’s episode of Mortgage, Markets, and More, Peter D’Angelo breaks down the latest NAR report and what it means for buyers and sellers heading into summer.
National trends reveal persistent affordability pressures and regional price divergence, while New Jersey’s market shows both strength and subtle signs of softening. With more first-time buyers entering and investors pulling back, is the tide finally turning?
Plus: Why rate stability—not cuts—might be the key to unlocking housing momentum, and what Northeast data reveals about where we're headed next. 🏡📉📈
#RealEstate2025 #HousingMarketUpdate #MortgageRates #HomePrices #RealEstateNews #FirstTimeBuyers #NARReport #NewJerseyRealEstate #InventoryGrowth #MarketTrends
Watch this episode on Youtube!
Interested in getting Pre-Approved? Submit your Pre-Approval inquiry here!
Interested in your Refinance options? Submit your Refinance inquiry here!
Follow me on:- YouTube
Peter D'Angelo | NMLS: 885309 | Branch Manager | Guaranteed Rate, Inc., NMLS 2611
[email protected]
*All information, topics, discussion is my own personal opinion and insight, not reflective of Guaranteed Rate, Inc. May contain market information for informational purposes only, not to be used as financial advice.19 min - UPDATE 5/29/2025: Rates Dip, Confidence Jumps, and Inventory Surges: Is the Market Finally Balancing Out?
Mortgage rates just slipped below 7%—but is it enough to jolt the market? In this week’s episode of Mortgage, Markets, and More, Peter unpacks a surprising surge in consumer confidence, the highest housing inventory levels in nearly six years, and what these shifts could mean for buyers and sellers alike. 🏠📉
We break down the psychological impact of dipping below the 7% rate threshold, explain why Northeast and Midwest markets are still behaving like outliers, and explore what’s driving a cautious optimism among consumers. Plus, with the Fed holding steady, what’s next for policy and inflation?
🔍 Get the data. Understand the trends. Navigate the market smarter.
#MortgageRates #HousingInventory #ConsumerConfidence #RealEstateMarket #HomeBuyingTips #InterestRates #FedPolicy #Refinance #HousingTrends #SpringMarket2025 #MortgagePodcast
Watch this episode on Youtube!
Interested in getting Pre-Approved? Submit your Pre-Approval inquiry here!
Interested in your Refinance options? Submit your Refinance inquiry here!
Follow me on:- YouTube
Peter D'Angelo | NMLS: 885309 | Branch Manager | Guaranteed Rate, Inc., NMLS 2611
[email protected]
*All information, topics, discussion is my own personal opinion and insight, not reflective of Guaranteed Rate, Inc. May contain market information for informational purposes only, not to be used as financial advice.14 min - Moody’s Shocker Sends Mortgage Rates Soaring: What It Means for Buyers Now
Mortgage rates are back above 7%—and Moody’s U.S. credit downgrade is the culprit. In this week’s Mortgage, Markets, and More, Peter DeAngelo breaks down why rates jumped, how bond yields are reacting, and what this means for buyers navigating today’s volatile market. 📉📈
We also zoom into the New Jersey housing market, where inventory is climbing and prices are still rising. Learn why this rare window of buyer opportunity may close fast and what Fed policy could mean for affordability moving forward.
#MortgageRates #BondMarket #MoodySDowngrade #RealEstateTrends #HousingAffordability #FedWatch #InterestRates #NewJerseyRealEstate #FirstTimeHomebuyerTips #MortgageNews
Watch this episode on Youtube!
Interested in getting Pre-Approved? Submit your Pre-Approval inquiry here!
Interested in your Refinance options? Submit your Refinance inquiry here!
Follow me on:- YouTube
Peter D'Angelo | NMLS: 885309 | Branch Manager | Guaranteed Rate, Inc., NMLS 2611
[email protected]
*All information, topics, discussion is my own personal opinion and insight, not reflective of Guaranteed Rate, Inc. May contain market information for informational purposes only, not to be used as financial advice.23 min - From Offer to Ownership: Mastering the Homebuying Journey (Part 2)
You're under contract—now what? 🏡 In this action-packed episode of Mortgage, Markets, and More, Peter D'Angelo takes you from making the offer all the way to getting your keys! Learn the critical steps: earnest money, inspections, appraisals, underwriting, closing day, and essential post-closing tips. ⚡ Whether you're buying your first home or just need a refresher, this episode is packed with insider knowledge to make you a confident homeowner. #HomeBuying #MortgageTips #FirstTimeHomeBuyer #ClosingDay #RealEstate101 #MortgageMarketsAndMore
Watch this episode on Youtube!
Interested in getting Pre-Approved? Submit your Pre-Approval inquiry here!
Interested in your Refinance options? Submit your Refinance inquiry here!
Follow me on:- YouTube
Peter D'Angelo | NMLS: 885309 | Branch Manager | Guaranteed Rate, Inc., NMLS 2611
[email protected]
*All information, topics, discussion is my own personal opinion and insight, not reflective of Guaranteed Rate, Inc. May contain market information for informational purposes only, not to be used as financial advice.19 min
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