Today in Mortgages

In this episode of Today in Mortgages, we dive into two innovative loan ideas that could shake up the housing market: assumable and portable mortgages. Hosts break down what these terms mean, how they work, and whether they could be the key to unlocking home sales in a high-rate environment.

🔑 Key Topics:

• What are assumable mortgages and who qualifies?
• The pros and cons of assuming a loan
• Portable mortgages: taking your loan with you?
• Why these ideas are gaining traction
• The real solution to affordability: more housing supply
• How builders and government policy play a role
• Optionality for buyers and loan officers

Plus, we’ve got a special invite for loan officers: take our industry survey at https://todayinmortgages.com and get a free benchmark report to see how you stack up in comp, tech, and support.

Listen in as we discuss this and more!

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Today in Mortgages is produced by Network Funding, LP, which is an equal housing lender, NMLS# 2297.*

The content of this program is meant to be a commentary on mortgage and real estate news and any discussion of rates and/or products should not be taken as individual mortgage or home buying advice or pricing estimates. Any commentary on this show should not be considered a promise to make a loan. All applicants for a loan must qualify, and you should consult a professional regarding your individual loan scenarios for your financial situation.

Visit our website at https://nflp.com/licenses for all state licensing and other legal information.

See more at TodayInMortgages.com

Want to get expert coaching everyday and have the power of the best Network in Mortgages behind your production business? Learn more here.

Learn more about Network Funding on our parent site. 

Today in mortgages is produced by Network Funding, LP, which is an equal housing lender, NMLS# 2297. Corporate office located at 10370 Richmond Ave. Suite 900, Houston, TX 77042. 

The content of this program is meant to be a commentary on mortgage and real estate news and any discussion of rates and or products should not be taken as individual mortgage or home buying advice or pricing estimates, and any commentary on this show is should not be considered a promise to make a loan. All applicants for a loan must qualify and you should consult a professional regarding your individual loan scenarios for your financial situation. Visit our website at nflp.com/licenses for all state licensing and other legal information.

Is the government finally working again? And could a 50-year mortgage be the next big thing?
We break down the latest headlines and what they mean for loan officers, homebuyers, and the mortgage industry.

In this episode:

• Government shutdown updates and how it affects flood insurance and mortgage operations
• Donald Trump's 50-year mortgage proposal: what it is, what it isn’t, and why it’s sparking backlash
• Affordability challenges and how longer loan terms could help first-time buyers
• Real talk on refinancing, equity building, and the reality of long-term loans
• Why optionality matters—for your mortgage and your career

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Take our Loan Officer Survey to get your FREE industry report! Benchmark yourself, understand trends, and make smarter career decisions at https://todayinmortgages.com/survey/

#MortgageNews #RefinanceBoom #LoanOfficerLife #TodayInMortgages #NetworkFunding

______

Today in Mortgages is produced by Network Funding, LP, which is an equal housing lender, NMLS# 2297.*

The content of this program is meant to be a commentary on mortgage and real estate news and any discussion of rates and/or products should not be taken as individual mortgage or home buying advice or pricing estimates. Any commentary on this show should not be considered a promise to make a loan. All applicants for a loan must qualify, and you should consult a professional regarding your individual loan scenarios for your financial situation.

Visit our website at https://nflp.com/licenses for all state licensing and other legal information.

See more at TodayInMortgages.com

Want to get expert coaching everyday and have the power of the best Network in Mortgages behind your production business? Learn more here.

Learn more about Network Funding on our parent site. 

Today in mortgages is produced by Network Funding, LP, which is an equal housing lender, NMLS# 2297. Corporate office located at 10370 Richmond Ave. Suite 900, Houston, TX 77042. 

The content of this program is meant to be a commentary on mortgage and real estate news and any discussion of rates and or products should not be taken as individual mortgage or home buying advice or pricing estimates, and any commentary on this show is should not be considered a promise to make a loan. All applicants for a loan must qualify and you should consult a professional regarding your individual loan scenarios for your financial situation. Visit our website at nflp.com/licenses for all state licensing and other legal information.

Are adjustable rate mortgages (ARMs) making a risky comeback—or is the media just stirring the pot? In this episode, Rich Jefferson joins Michael to break down the truth behind ARMs, their history in the subprime crisis, and how they’re used today.

🔑 Key Topics:

• What ARMs really are and how they work
• Why ARMs were risky during the subprime era
• How today’s underwriting standards protect borrowers
• When an ARM might actually be the best option
• Why understanding your borrower’s goals is key

Plus, we’ve got a special invite for loan officers: take our industry survey at https://todayinmortgages.com and get a free benchmark report to see how you stack up in comp, tech, and support.

Listen in as we discuss this and more!

--

Looking to GROW your business?
Find out how we are making our best producers even better and how you can DO MORE YOU inside the best Network in mortgages by visiting https://you.nflp.com

--

Take our Loan Officer Survey to get your FREE industry report! Benchmark yourself, understand trends, and make smarter career decisions at https://todayinmortgages.com/survey/

#MortgageNews #RefinanceBoom #LoanOfficerLife #TodayInMortgages #NetworkFunding

______

Today in Mortgages is produced by Network Funding, LP, which is an equal housing lender, NMLS# 2297.*

The content of this program is meant to be a commentary on mortgage and real estate news and any discussion of rates and/or products should not be taken as individual mortgage or home buying advice or pricing estimates. Any commentary on this show should not be considered a promise to make a loan. All applicants for a loan must qualify, and you should consult a professional regarding your individual loan scenarios for your financial situation.

Visit our website at https://nflp.com/licenses for all state licensing and other legal information.

See more at TodayInMortgages.com

Want to get expert coaching everyday and have the power of the best Network in Mortgages behind your production business? Learn more here.

Learn more about Network Funding on our parent site. 

Today in mortgages is produced by Network Funding, LP, which is an equal housing lender, NMLS# 2297. Corporate office located at 10370 Richmond Ave. Suite 900, Houston, TX 77042. 

The content of this program is meant to be a commentary on mortgage and real estate news and any discussion of rates and or products should not be taken as individual mortgage or home buying advice or pricing estimates, and any commentary on this show is should not be considered a promise to make a loan. All applicants for a loan must qualify and you should consult a professional regarding your individual loan scenarios for your financial situation. Visit our website at nflp.com/licenses for all state licensing and other legal information.

Rates dipping and refis are jumping— up 111% from last year, according to MarketWatch. But is it the right time for you or your clients to refinance?

In this episode of Today in Mortgages, Michael and Rich break down:
- Why some Network Funding branches just had their biggest month in two years
- What types of refinances are trending (rate & term vs. cash-out)
- How to calculate real savings—even with closing costs
- Why loan officers should be reconnecting with their database right now
- What homeowners can do to prep for a smart refi move
- How to leverage PMI removal and insurance shopping for year-end savings
- What 2026 might look like for refis vs. purchases

Plus, we’ve got a special invite for loan officers: take our industry survey at https://todayinmortgages.com and get a free benchmark report to see how you stack up in comp, tech, and support.

Listen in as we discuss this and more!

--

Looking to GROW your business?
Find out how we are making our best producers even better and how you can DO MORE YOU inside the best Network in mortgages by visiting https://you.nflp.com

--

Take our Loan Officer Survey to get your FREE industry report! Benchmark yourself, understand trends, and make smarter career decisions at https://todayinmortgages.com/survey/

#MortgageNews #RefinanceBoom #LoanOfficerLife #TodayInMortgages #NetworkFunding

______

Today in Mortgages is produced by Network Funding, LP, which is an equal housing lender, NMLS# 2297.*

The content of this program is meant to be a commentary on mortgage and real estate news and any discussion of rates and/or products should not be taken as individual mortgage or home buying advice or pricing estimates. Any commentary on this show should not be considered a promise to make a loan. All applicants for a loan must qualify, and you should consult a professional regarding your individual loan scenarios for your financial situation.

Visit our website at https://nflp.com/licenses for all state licensing and other legal information.

See more at TodayInMortgages.com

Want to get expert coaching everyday and have the power of the best Network in Mortgages behind your production business? Learn more here.

Learn more about Network Funding on our parent site. 

Today in mortgages is produced by Network Funding, LP, which is an equal housing lender, NMLS# 2297. Corporate office located at 10370 Richmond Ave. Suite 900, Houston, TX 77042. 

The content of this program is meant to be a commentary on mortgage and real estate news and any discussion of rates and or products should not be taken as individual mortgage or home buying advice or pricing estimates, and any commentary on this show is should not be considered a promise to make a loan. All applicants for a loan must qualify and you should consult a professional regarding your individual loan scenarios for your financial situation. Visit our website at nflp.com/licenses for all state licensing and other legal information.

In this episode of Today in Mortgages, Michael and Rich discuss the latest good news in terms of rate cuts and policy.

Fed chair Powell announced a .25 point basis cut in the Fed funds rates! But they also said "we are far from a decision to cut more in December" leaving everyone guessing.

With the government shut down, Powell wants to be certain before he makes a decision. Currently we have slower job growth and continued elevated inflation. Their target inflation is 2% but we are still at 3%. Reminding us, that just because the Fed fund rate went down, doesn't mean our mortgage rates are going down.

Shifting gears to policy, today's article is from Housingwire.com "Pulte says LLPA fees under review, signals relief for borrowers." The FHFA director has suggested changing LLPAs, if son, we could see immediate improvement in rates. They added a lot of these adjustments in 2023, and they do make a differences in getting loans. changes to these LLPAs could help people with low FICOS, and those with Higher FICOS but lower down-payments.

Listen in as we discuss this and more!

--

Looking to GROW your business?
Find out how we are making our best producers even better and how you can DO MORE YOU inside the best Network in mortgages by visiting https://you.nflp.com

--

Take our Loan Officer Survey to get your FREE industry report! Benchmark yourself, understand trends, and make smarter career decisions at https://todayinmortgages.com/survey/

#MortgageNews #RefinanceBoom #LoanOfficerLife #TodayInMortgages #NetworkFunding

______

Today in Mortgages is produced by Network Funding, LP, which is an equal housing lender, NMLS# 2297.*

The content of this program is meant to be a commentary on mortgage and real estate news and any discussion of rates and/or products should not be taken as individual mortgage or home buying advice or pricing estimates. Any commentary on this show should not be considered a promise to make a loan. All applicants for a loan must qualify, and you should consult a professional regarding your individual loan scenarios for your financial situation.

Visit our website at https://nflp.com/licenses for all state licensing and other legal information.

See more at TodayInMortgages.com

Want to get expert coaching everyday and have the power of the best Network in Mortgages behind your production business? Learn more here.

Learn more about Network Funding on our parent site. 

Today in mortgages is produced by Network Funding, LP, which is an equal housing lender, NMLS# 2297. Corporate office located at 10370 Richmond Ave. Suite 900, Houston, TX 77042. 

The content of this program is meant to be a commentary on mortgage and real estate news and any discussion of rates and or products should not be taken as individual mortgage or home buying advice or pricing estimates, and any commentary on this show is should not be considered a promise to make a loan. All applicants for a loan must qualify and you should consult a professional regarding your individual loan scenarios for your financial situation. Visit our website at nflp.com/licenses for all state licensing and other legal information.

In this episode of Today in Mortgages, Michael and Rich break down the latest In this episode of Today in Mortgages, Michael and Rich break down the latest economic headlines and what they mean for the mortgage and housing markets. From record-breaking stock market highs to cooling inflation and the Fed’s next move, we’re diving into the data and decoding the impact for loan officers and homebuyers alike.

Key Topics:
📈 Stock market hits new highs – why it matters
🧊 Inflation cools to 3% – what’s driving it
🏦 Fed rate cut predictions and what they don’t mean for mortgage rates
💡 Understanding the 10-year treasury’s role in rate movement
📊 New Loan Officer Benchmark Survey – get your free industry report!

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Looking to GROW your business?
Find out how we are making our best producers even better and how you can DO MORE YOU inside the best Network in mortgages by visiting https://you.nflp.com

--

Take our Loan Officer Survey to get your FREE industry report! Benchmark yourself, understand trends, and make smarter career decisions at https://todayinmortgages.com/survey/

#MortgageNews #RefinanceBoom #LoanOfficerLife #TodayInMortgages #NetworkFunding

______

Today in Mortgages is produced by Network Funding, LP, which is an equal housing lender, NMLS# 2297.*

The content of this program is meant to be a commentary on mortgage and real estate news and any discussion of rates and/or products should not be taken as individual mortgage or home buying advice or pricing estimates. Any commentary on this show should not be considered a promise to make a loan. All applicants for a loan must qualify, and you should consult a professional regarding your individual loan scenarios for your financial situation.

Visit our website at https://nflp.com/licenses for all state licensing and other legal information.

See more at TodayInMortgages.com

Want to get expert coaching everyday and have the power of the best Network in Mortgages behind your production business? Learn more here.

Learn more about Network Funding on our parent site. 

Today in mortgages is produced by Network Funding, LP, which is an equal housing lender, NMLS# 2297. Corporate office located at 10370 Richmond Ave. Suite 900, Houston, TX 77042. 

The content of this program is meant to be a commentary on mortgage and real estate news and any discussion of rates and or products should not be taken as individual mortgage or home buying advice or pricing estimates, and any commentary on this show is should not be considered a promise to make a loan. All applicants for a loan must qualify and you should consult a professional regarding your individual loan scenarios for your financial situation. Visit our website at nflp.com/licenses for all state licensing and other legal information.

Refinance demand is up 81% compared to last year—are we finally seeing the comeback we've been waiting for? In this episode, we dive into the latest CNBC article and discuss what falling mortgage rates mean for loan officers, homeowners, and the broader housing market.

In this episode:
Why refinance activity is surging
What falling rates mean for buyers and homeowners
How loan officers can capitalize on this trend
The importance of mortgage reviews and trusted advisors
What to expect in 2026 for the industry and Network Funding

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LOAN OFFICERS – Looking to GROW your business?
Find out how we are making our best producers even better and how you can DO MORE YOU inside the best Network in mortgages by visiting https://you.nflp.com

--

FREE INDUSTRY INSIGHTS REPORT:
Take our Loan Officer Survey to get your FREE industry report! Benchmark yourself, understand trends, and make smarter career decisions at https://todayinmortgages.com/survey/

--

Hashtags:
#MortgageNews #RefinanceBoom #LoanOfficerLife #TodayInMortgages #NetworkFunding


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FREE INDUSTRY INSIGHTS REPORT:
Take our Loan Officer Survey to get your FREE industry report!  
This report allows you to benchmark yourself against your peers, understand industry trends, and make better decisions about your career in the future.  
Get started now at https://todayinmortgages.com/survey/

______

Today in Mortgages is produced by Network Funding, LP, which is an equal housing lender, NMLS# 2297.*

The content of this program is meant to be a commentary on mortgage and real estate news and any discussion of rates and/or products should not be taken as individual mortgage or home buying advice or pricing estimates. Any commentary on this show should not be considered a promise to make a loan. All applicants for a loan must qualify, and you should consult a professional regarding your individual loan scenarios for your financial situation.

Visit our website at https://nflp.com/licenses for all state licensing and other legal information.

#MortgageNews #GovernmentShutdown #RealEstate2025 #LoanOfficerLife #TodayInMortgages

See more at TodayInMortgages.com

Want to get expert coaching everyday and have the power of the best Network in Mortgages behind your production business? Learn more here.

Learn more about Network Funding on our parent site. 

Today in mortgages is produced by Network Funding, LP, which is an equal housing lender, NMLS# 2297. Corporate office located at 10370 Richmond Ave. Suite 900, Houston, TX 77042. 

The content of this program is meant to be a commentary on mortgage and real estate news and any discussion of rates and or products should not be taken as individual mortgage or home buying advice or pricing estimates, and any commentary on this show is should not be considered a promise to make a loan. All applicants for a loan must qualify and you should consult a professional regarding your individual loan scenarios for your financial situation. Visit our website at nflp.com/licenses for all state licensing and other legal information.

Is the housing market really stalling — or is it just the headlines? In this episode, Michael and Rich dive into the impact of the ongoing government shutdown on mortgage lending, USDA loans, flood insurance, and buyer confidence. Despite the noise, there’s good news: listings are up, rates are dipping, and builders are offering end-of-year deals that first-time buyers shouldn’t miss.

🎯 Plus, we introduce our brand-new *Loan Officer Benchmark Survey* — a free tool to help you see how you stack up in the industry and make smarter career moves. Take the survey now at https://todayinmortgages.com/survey/ or hit the link in the show notes!

📉 Topics covered:

• Shutdown effects on loan products
  
  
• Inventory trends and interest rate shifts
  
  
• Builder incentives and year-end strategies
  
  
• How to use our survey to grow your mortgage career
  
  

💬 Whether you're a seasoned LO or just exploring your options, this episode is packed with insights to help you stay ahead in a shifting market.

🔗 Learn more about joining the best network in mortgage: https://you.nflp.com

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LOAN OFFICERS – Looking to GROW your business?
Find out how we are making our best producers even better and how you can DO MORE YOU inside the best Network in mortgages by visiting https://you.nflp.com

_____

FREE INDUSTRY INSIGHTS REPORT:
Take our Loan Officer Survey to get your FREE industry report! 
This report allows you to benchmark yourself against your peers, understand industry trends, and make better decisions about your career in the future. 
Get started now at https://todayinmortgages.com/survey/

______

Today in Mortgages is produced by Network Funding, LP, which is an equal housing lender, NMLS# 2297.*

The content of this program is meant to be a commentary on mortgage and real estate news and any discussion of rates and/or products should not be taken as individual mortgage or home buying advice or pricing estimates. Any commentary on this show should not be considered a promise to make a loan. All applicants for a loan must qualify, and you should consult a professional regarding your individual loan scenarios for your financial situation.

Visit our website at

See more at TodayInMortgages.com

Want to get expert coaching everyday and have the power of the best Network in Mortgages behind your production business? Learn more here.

Learn more about Network Funding on our parent site. 

Today in mortgages is produced by Network Funding, LP, which is an equal housing lender, NMLS# 2297. Corporate office located at 10370 Richmond Ave. Suite 900, Houston, TX 77042. 

The content of this program is meant to be a commentary on mortgage and real estate news and any discussion of rates and or products should not be taken as individual mortgage or home buying advice or pricing estimates, and any commentary on this show is should not be considered a promise to make a loan. All applicants for a loan must qualify and you should consult a professional regarding your individual loan scenarios for your financial situation. Visit our website at nflp.com/licenses for all state licensing and other legal information.

Welcome back, Dreammakers, to Today in Mortgages! In this episode, hosts Michael and Richard discuss the new bill that Congress passed!

Today's article is from MortgageProfessional.com "Senate passes ROAD to housing act." This bill still needs to pass the house, but it is the administrations attempt to address affordable housing challenges. And, it's bipartisan! 

So what is in the bill? There's a to still uncover, but here's what we've found so far:
- Federal grants to help housing and builders
- Cutting of red tape 
- Zoning help
- Building housing in rural areas that have transit hubs
- Making it easier to bring in young appraisers. The cost of getting appraisers has escalated, and this should help with that
- Easing lending on tiny homes

There are around 35 different provisions in this bill. It's been over 10 years since bipartisan housing help has passed through the senate, and many amendments are strong immediate housing needs. 

Listen in as we discuss this and more!

Grow Your Business: https://join.nflp.com/

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Can you add this to the YT and Buzzsprout show notes: 

Take our Loan Officer Survey to get your FREE industry report! This report allows you to benchmark yourself against your peers, understand industry trends, and make better decisions about your career in the future. Get started now at https://todayinmortgages.com/survey/ 

_____

Today in mortgages is produced by Network Funding, LP, which is an equal housing lender, NMLS# 2297. 

The content of this program is meant to be a commentary on mortgage and real estate news and any discussion of rates and or products should not be taken as individual mortgage or home buying advice or pricing estimates, and any commentary on this show is should not be considered a promise to make a loan. All applicants for a loan must qualify and you should consult a professional regarding your individual loan scenarios for your financial situation. 

Visit our website at nflp.com/licenses for all state licensing and other legal information.

See more at TodayInMortgages.com

Want to get expert coaching everyday and have the power of the best Network in Mortgages behind your production business? Learn more here.

Learn more about Network Funding on our parent site. 

Today in mortgages is produced by Network Funding, LP, which is an equal housing lender, NMLS# 2297. Corporate office located at 10370 Richmond Ave. Suite 900, Houston, TX 77042. 

The content of this program is meant to be a commentary on mortgage and real estate news and any discussion of rates and or products should not be taken as individual mortgage or home buying advice or pricing estimates, and any commentary on this show is should not be considered a promise to make a loan. All applicants for a loan must qualify and you should consult a professional regarding your individual loan scenarios for your financial situation. Visit our website at nflp.com/licenses for all state licensing and other legal information.

Welcome back, Dreammakers, to Today in Mortgages! In this episode, hosts Michael and Richard discuss why the market has strong demand but weak sales numbers.

Today's article from CNN.com says "Here's why the housing slowdown isn't lowering sales prices." Buyers know they hold the cards right now, but sellers are stubborn. Unless you really have to sell, sellers won't come off the price. 

Sellers are doing concessions, but once contracts get to the inspection stage we are seeing 15% of sales being cancelled, up from 6% in May. Showing that buyers are willing to walk away from contracts right now. Buyers are qualifying right on the edge, and don't have room in their budgets to negotiate with the sellers or pay for more fixes found during the inspection.

Seems like we should be seeing a general across the board reduction in home prices. However, homeowners are sitting on low interest rates, and they don't want to give away all of their equity. Buyers just can't afford today's prices. Listen in as we discuss this and more!

Grow Your Business: https://join.nflp.com/

______

Today in mortgages is produced by Network Funding, LP, which is an equal housing lender, NMLS# 2297. 

The content of this program is meant to be a commentary on mortgage and real estate news and any discussion of rates and or products should not be taken as individual mortgage or home buying advice or pricing estimates, and any commentary on this show is should not be considered a promise to make a loan. All applicants for a loan must qualify and you should consult a professional regarding your individual loan scenarios for your financial situation. 

Visit our website at nflp.com/licenses for all state licensing and other legal information.

See more at TodayInMortgages.com

Want to get expert coaching everyday and have the power of the best Network in Mortgages behind your production business? Learn more here.

Learn more about Network Funding on our parent site. 

Today in mortgages is produced by Network Funding, LP, which is an equal housing lender, NMLS# 2297. Corporate office located at 10370 Richmond Ave. Suite 900, Houston, TX 77042. 

The content of this program is meant to be a commentary on mortgage and real estate news and any discussion of rates and or products should not be taken as individual mortgage or home buying advice or pricing estimates, and any commentary on this show is should not be considered a promise to make a loan. All applicants for a loan must qualify and you should consult a professional regarding your individual loan scenarios for your financial situation. Visit our website at nflp.com/licenses for all state licensing and other legal information.