What's Your 1 More?

👍 Like and subscribe to What’s Your 1 More Podcast to stay informed on the decisions shaping your money and your home.

What happens to mortgage rates when the Fed cuts interest rates, and why don’t homeowners always see the drop they expect? Quinton Harris and Dan Habib break down the recent Fed decision, explain why mortgage rates haven’t fallen the way buyers hoped, and share what the upcoming jobs report means for the future of housing and refinancing opportunities. “The countdown is on to October 3rd and 4th—don’t wait if your rate window is here.” – Quinton Harris

Special thanks to our guest/co-host Dan Habib at MBS Highway: https://www.highway.ai/

Special thanks to our show sponsor, Texana Bank! We’re proud to partner with a bank that’s not just about transactions, but about creating opportunities for professionals. From innovative programs like REMLO to nationwide lending solutions, Texana Bank is helping reshape the future of real estate and mortgage careers.
👉 Check them out at https://mortgage.texanabank.com — and see what makes them different.
👉 Check out REMLO out at https://mortgage.texanabank.com/remloprogram/ for more information and to sign up now!

Connect with us:

YouTube: https://www.youtube.com/@whatsyour1more
Apple: https://podcasts.apple.com/us/podcast/whats-your-1-more/id1647180355
Facebook: /whatsyour1more
Twitter: /whatsyour1more
Instagram: /whatsyour1more
Spotify: https://open.spotify.com/show/37zPGizSKOGid1NVnm92i5

If you enjoyed this episode, please like, subscribe, and share your thoughts in the comments—your feedback and engagement mean the world to us and help shape future episodes of What’s Your 1 More! Thank you for being part of our community!

Time Stamps:

00:00 – Intro & Fed rate cut headline

00:02:00 – Why mortgage rates didn’t drop after the cut

00:05:50 – Market history: cuts, job data, and bond market reaction

00:10:25 – Why October 4th jobs report is critical

00:14:40 – Fed’s next moves: jobs vs. inflation (dot plot & SEP)

00:20:00 – Restrictive vs. neutral rates explained

00:25:00 – Housing demand, refis, and short opportunity windows

00:36:40 – ARMs as a smart option in today’s market

00:39:30 – Closing advice: don’t wait, lock in opportunities

What the Fed’s latest rate cut means for mortgages, refinancing, and your next move as a homeowner or buyer.

In this episode, Quinton breaks down how the quarter-point cut impacts mortgage rates, why government loans are now dipping below 6%, and why this moment may be the best opportunity in over a year to refinance or reenter the market. He also calls out the disconnect between Fed leadership and the real challenges families face, while pointing to the chance for homeowners to use today’s rates to create affordability and leverage equity.

“Don’t wait for perfect conditions—take advantage of the opportunities that are in front of you.”
— Quinton Harris

Special thanks to our show sponsor, Texana Bank! We’re proud to partner with a bank that’s not just about transactions, but about creating opportunities for professionals. From innovative programs like REMLO to nationwide lending solutions, Texana Bank is helping reshape the future of real estate and mortgage careers.


👉 Check them out at https://mortgage.texanabank.com — and see what makes them different.


👉 Check out REMLO out at https://mortgage.texanabank.com/remloprogram/ for more information and to sign up now!

Connect with us:


Youtube: https://www.youtube.com/@whatsyour1more


Apple: https://podcasts.apple.com/us/podcast/whats-your-1-more/id1647180355


Facebook: /whatsyour1more


Twitter: /whatsyour1more


Instagram: /whatsyour1more


Spotify: https://open.spotify.com/show/37zPGizSKOGid1NVnm92i5

If you enjoyed this episode, please like, subscribe, and share your thoughts in the comments—your feedback and engagement mean the world to us and help shape future episodes of What’s Your 1 More! Thank you for being part of our community

👍 Like and subscribe to the What’s Your 1 More Podcast with Quinton Harris!

One of our favorite episodes returns—Episode 155, now re-released as Episode 257 in a shorter, bite-sized cut. What drives someone to sing the national anthem in all 50 states? Janine Stange shares how her mother’s battle with cancer shaped her mission, why staying true to your “why” matters, and how perseverance helps homeowners and professionals push through challenges. 

🎬 You can also watch her documentary National Anthem Girl — now streaming on Netflix, Amazon Prime, and Apple TV.

As Quinton reminds us: “If you don’t believe in yourself, no one else will.”

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Connect with Janine: www.janinestange.com

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Special thanks to our show sponsor, Texana Bank! We’re proud to partner with a bank that’s not just about transactions, but about creating opportunities for professionals. From innovative programs like REMLO to nationwide lending solutions, Texana Bank is helping reshape the future of real estate and mortgage careers.

👉 Check them out at https://mortgage.texanabank.com

👉 Check out REMLO at https://mortgage.texanabank.com/remlo...

_____________________

Connect with us:

Youtube: https://www.youtube.com/@whatsyour1more

Apple: https://podcasts.apple.com/us/podcast/whats-your-1-more/id1647180355

Facebook:   / whatsyour1more  

Twitter:   / whatsyour1more  

Instagram:   / whatsyour1more  

Spotify: https://open.spotify.com/show/37zPGizSKOGid1NVnm92i5

_____________________

If you enjoyed this episode, please like, subscribe, and share your thoughts in the comments—your feedback helps shape future episodes of What’s Your 1 More!

_____________________

0:00 – Intro + Janine’s story

1:40 – Anthem mission begins

3:50 – Staying ready & funding the journey

6:20 – Facing fear and doubt

12:15 – Momentum mindset (DROP formula)

18:35 – Key influences + life lessons

20:50 – National Anthem Girl documentary

22:05 – How to connect with Janine & closing

Like and subscribe to the What’s Your 1 More Podcast hosted by Quinton Harris!

What happens when the Fed finally admits its restrictive stance has gone too far, and what does that mean for homeowners, mortgage rates, and the housing market? In this episode, Quinton Harris breaks down Jerome Powell’s latest remarks at Jackson Hole, the growing debate over rate cuts, and how policies are impacting jobs, construction, and future homebuyers. You’ll also hear about political pressure on the Fed, the controversy around “too many cooks in the kitchen,” and why real estate professionals should be paying close attention.

As Quinton says: “All we’re looking for as an economy is stability. Once we get that, everything else can build on it.”

Special thanks to our show sponsor, Texana Bank! We’re proud to partner with a bank that’s not just about transactions, but about creating opportunities for professionals. From innovative programs like REMLO to nationwide lending solutions, Texana Bank is helping reshape the future of real estate and mortgage careers.

👉 Check them out at https://mortgage.texanabank.com — and see what makes them different.
👉 Check out REMLO at https://mortgage.texanabank.com/remloprogram/ for more information and to sign up now!

Connect with us:

YouTube: https://www.youtube.com/@whatsyour1more
Apple: https://podcasts.apple.com/us/podcast/whats-your-1-more/id1647180355
Facebook: /whatsyour1more
Twitter: /whatsyour1more
Instagram: /whatsyour1more
Spotify: https://open.spotify.com/show/37zPGizSKOGid1NVnm92i5

If you enjoyed this episode, please like, subscribe, and share your thoughts in the comments—your feedback and engagement mean the world to us and help shape future episodes of What’s Your 1 More! Thank you for being part of our community!

0:00 Intro

0:25 Powell admits instability

2:00 Trump’s stance & market reaction

4:25 Too many cooks / Lisa Cook case

6:00 Fed insider trading vs. mortgage fraud

8:05 Powell stepping down

9:00 Sponsor: REMLO

10:55 Weak labor market & unemployment

12:45 Rate cut debate & Fed outlook

13:20 Mortgage impact & closing

Will Fed cuts finally bring mortgage rates down and unfreeze housing?

Dan Habib breaks down the Fed’s next moves, why the BLS report has punished rates, and what buyers and homeowners should expect.

Quinton’s takeaway: “Get in while it’s still a buyer’s market—you’ll capture the appreciation and refinance later when rates drop.”

Huge thanks to Dan Habib at MBS Highway for being on our show: https://www.highway.ai/

Special thanks to our show sponsor, Texana Bank! We’re proud to partner with a bank that’s not just about transactions, but about creating opportunities for professionals. From innovative programs like REMLO to nationwide lending solutions, Texana Bank is helping reshape the future of real estate and mortgage careers.
👉 Check them out at https://mortgage.texanabank.com — and see what makes them different.
👉 Check out REMLO out at https://mortgage.texanabank.com/remloprogram/ for more information and to sign up now!

Connect with us:
YouTube: https://www.youtube.com/@whatsyour1more
Apple: https://podcasts.apple.com/us/podcast/whats-your-1-more/id1647180355
Facebook: /whatsyour1more
Twitter: /whatsyour1more
Instagram: /whatsyour1more
Spotify: https://open.spotify.com/show/37zPGizSKOGid1NVnm92i5

If you enjoyed this episode, please like, subscribe, and share your thoughts in the comments—your feedback and engagement mean the world to us and help shape future episodes of What’s Your 1 More! Thank you for being part of our community!

00:00 – Intro / Part 2
00:25 – Next Fed Chair?
02:05 – Fed cuts & policy stance
06:05 – Fed cuts vs mortgage rates
08:55 – BLS “Punisher” data
09:30 – Mortgage rate outlook
11:20 – Debt & Treasuries
14:05 – Bank deregulation
15:30 – Sponsor: REMLO
16:25 – Crypto & stablecoins
19:20 – Rates vs 10-year
21:00 – Refi potential
22:55 – Purchases lag refis
23:55 – Housing supply & demand
26:20 – Inventory myths
28:55 – Redfin’s claim debunked
30:15 – Housing outlook
32:00 – Buyer’s market?
33:10 – Wrap up / Next: crypto

 👍 Like and subscribe to What’s Your 1 More Podcast for more conversations that matter to homeowners, real estate professionals, and investors.

What happens when job reports don’t tell the full story—and how does that impact mortgage rates, real estate, and your financial decisions? In this 2 part episode, Quinton Harris and returning guest Dan Habib break down why recent labor data revisions reveal a weaker job market than headlines suggest, what it means for the Federal Reserve’s upcoming rate cuts, and how homeowners can prepare for opportunities in a shifting housing market. You’ll also hear about how tariffs and inflation are playing into mortgage-backed securities, the critical role of the labor market, and why ignoring the noise could put you ahead when the next real estate wave arrives.

Quinton Harris: “The housing market rewards those who prepare before the headlines catch up.”

Special thanks to our show sponsor, Texana Bank! We’re proud to partner with a bank that’s not just about transactions, but about creating opportunities for professionals. From innovative programs like REMLO to nationwide lending solutions, Texana Bank is helping reshape the future of real estate and mortgage careers.

👉 Check them out at https://mortgage.texanabank.com — and see what makes them different.
👉 Check out REMLO out at https://mortgage.texanabank.com/remloprogram/ for more information and to sign up now!

Connect with us:
Youtube: https://www.youtube.com/@whatsyour1more
Apple: https://podcasts.apple.com/us/podcast/whats-your-1-more/id1647180355
Facebook: /whatsyour1more
Twitter: /whatsyour1more
Instagram: /whatsyour1more
Spotify: https://open.spotify.com/show/37zPGizSKOGid1NVnm92i5

Special thanks to MBS Highway: https://www.highway.ai/

If you enjoyed this episode, please like, subscribe, and share your thoughts in the comments—your feedback and engagement mean the world to us and help shape future episodes of What’s Your 1 More! Thank you for being part of our community!

Episode Timestamps

[00:00:00] Intro

[00:00:30] Episode overview

[00:01:00] Recent reports

[00:01:55] Inflation data

[00:04:45] Loan officer stats

[00:06:35] Inflation outlook

[00:07:55] Job market trends

[00:09:45] Job openings drop

[00:10:30] BLS revisions

[00:12:00] Rate “punisher”

[00:12:55] Sponsor – REMLO

[00:13:50] BLS accuracy

[00:16:50] Data issues

[00:18:55] Inflation metrics

[00:19:55] Fed flip flop

[00:21:00] U3 vs U6

[00:23:05] True unemployment

[00:24:55] Fed dissenters

[00:26:35] Fed makeup

[00:27:55] September cut

[00:28:35] Closing

👍 Like and subscribe to What’s Your 1 More Podcast for honest conversations that impact your wallet and your home. What happens when a flawed government jobs report shapes mortgage rates and the housing market? In this episode, Quinton Harris breaks down the latest BLS report, why massive negative revisions are creating market whiplash, and what it means for interest rates, home values, and your equity. He explains how inaccurate data can stall opportunities for buyers, sellers, and current homeowners — and why private sector reporting might be the key to real economic clarity. “Let’s focus on how we can help people the right way — not just on what side of the table you’re on.”

Special thanks to our show sponsor, Texana Bank! We’re proud to partner with a bank that’s not just about transactions, but about creating opportunities for professionals. From innovative programs like REMLO to nationwide lending solutions, Texana Bank is helping reshape the future of real estate and mortgage careers.

👉 Check them out at https://mortgage.texanabank.com — and see what makes them different.

👉 Check out REMLO out at https://mortgage.texanabank.com/remloprogram/ for more information and to sign up now!

Connect with us:

Youtube: https://www.youtube.com/@whatsyour1more

Apple: https://podcasts.apple.com/us/podcast/whats-your-1-more/id1647180355

Facebook: /whatsyour1more

Twitter: /whatsyour1more

Instagram: /whatsyour1more

Spotify: https://open.spotify.com/show/37zPGizSKOGid1NVnm92i5

If you enjoyed this episode, please like, subscribe, and share your thoughts in the comments—your feedback and engagement mean the world to us and help shape future episodes of What’s Your 1 More! Thank you for being part of our community!

00:00 Intro 

00:25 Jobs Week & Fed 

00:55 BLS vs ADP 

01:35 BLS accuracy issues 

02:55 Revisions & trends 

04:45 July jobs report 

06:15 U3 vs U6 unemployment 

07:25 Trump fires BLS head 

09:05 REMLO sponsor segment 

10:05 ADP recalibration 

11:25 Market reaction delays 

13:00 Gov’t report control 

14:00 Reduce BLS impact 

15:05 Job claims & multiple jobs 

16:00 Powell vs Trump at Fed 

17:35 Should Fed trust BLS? 

18:20 Private sector data focus 

18:45 Homeowner & equity concerns 

19:00 Closing & subscribe

Like and subscribe to "What's Your 1 More" Podcast! What's really going on with the real estate market, is it hot or not, and how does it affect homeowners? This episode tackles current negative real estate headlines, explaining why increased listings and mortgage applications are actually positive indicators for the market. It delves into the significant equity homeowners currently hold and discusses how these factors, along with potential rate cuts, could accelerate real estate activity. The host also touches on the dynamic between Powell and Trump and its potential impact on the economy and interest rates. "This is literally the perfect fit for the Trump administration to have a whipping boy right there. And it's, it's Powell, and that's what he's doing. Powell is going to be the fall guy for all the things that have gone wrong in the economy."

Special thanks to our show sponsor, Texana Bank! We’re proud to partner with a bank that’s not just about transactions, but about creating opportunities for professionals. From innovative programs like REMLO to nationwide lending solutions, Texana Bank is helping reshape the future of real estate and mortgage careers.
👉 Check them out at https://mortgage.texanabank.com — and see what makes them different.
👉 Check out REMLO out at https://mortgage.texanabank.com/remloprogram/ for more information and to sign up now!

Connect with us:
Youtube: https://www.youtube.com/@whatsyour1more
Apple: https://podcasts.apple.com/us/podcast/whats-your-1-more/id1647180355
Facebook: / whatsyour1more
Twitter: / whatsyour1more
Instagram:  / whatsyour1more
Spotify: https://open.spotify.com/show/37zPGizSKOGid1NVnm92i5

If you enjoyed this episode, please like, subscribe, and share your thoughts in the comments—your feedback and engagement mean the world to us and help shape future episodes of What’s Your One More! Thank you for being part of our community!

0:00:00 Welcome and Headlines
0:00:46 Listener Shout-out
0:01:40 Real Estate Market Headlines
0:03:07 Understanding Market Data
0:04:39 Home Equity Statistics
0:05:37 The Transactional Curve
0:07:23 Mortgage Application Data
0:08:45 Listings as a Positive Indicator
0:09:28 Critiquing "Doomers"
0:09:56 Lack of Real Estate Education
0:11:00 Texana Bank Mortgage - Remlo
0:12:00 Rate Cooperation and Shadow Fed
0:13:09 Trump vs. Powell
0:17:00 Powell as a "Whipping Boy"
0:19:00 Market Acceleration
0:20:00 Outro

What would it take for mortgage rates to finally drop — and will the Fed actually act before it’s too late? Dan Habib joins Quinton Harris to unpack what’s moving rates, why homeowners shouldn’t wait for 5% mortgages, and how rising debt and market demand are affecting the future of homeownership. They’ll explain what homeowners can do now, what to watch for in the job market, and why new players like stablecoins might influence Treasury demand and mortgage rates ahead.

"Trust is built by telling people what they need to hear, not what they want to hear." — Quinton Harris

BIG THANKS to Dan Habib with MBS Highway: https://www.highway.ai/

🏠 Check out MBS Home Report: https://www.highway.ai/products/home-report

Special thanks to our show sponsor, Texana Bank! We’re proud to partner with a bank that’s not just about transactions, but about creating opportunities for professionals. From innovative programs like REMLO to nationwide lending solutions, Texana Bank is helping reshape the future of real estate and mortgage careers. 👉 Check them out at https://mortgage.texanabank.com — and see what makes them different. 👉 Check out REMLO at https://mortgage.texanabank.com/remloprogram/ for more information and to sign up now!

Connect with us:

Youtube: https://www.youtube.com/@whatsyour1more

Apple: https://podcasts.apple.com/us/podcast/whats-your-1-more/id1647180355

Facebook: /whatsyour1more

Twitter: /whatsyour1more

Instagram: /whatsyour1more

Spotify: https://open.spotify.com/show/37zPGizSKOGid1NVnm92i5

If you enjoyed this episode, please like, subscribe, and share your thoughts in the comments — your feedback and engagement mean the world to us and help shape future episodes of What’s Your One More! Thank you for being part of our community!

00:00 — Intro & Dan Habib’s bio
01:55 — State of the market: rates & volatility
02:50 — Forecasting lower mortgage rates in 2025-26
04:00 — How the Fed’s dual mandate works
05:55 — Inflation, tariffs, and the Fed’s hesitation
07:40 — Labor market weakening signs
10:00 — Fed’s mistakes & rear-view decision making
12:10 — Job reports revisions & reliability issues
14:55 — Upcoming Fed leadership speculation
16:35 — Breaking down the BLS unemployment data
19:00 — Bond market, treasury yields, and job data reactions
20:35 — Debt, treasury supply & mortgage rate pressure
22:30 — Debt-to-GDP debate & tax policy impacts
24:00 — Key demand drivers for treasuries: 3 major factors
26:10 — Stablecoins' growing role in the bond market
28:50 — Debunking reserve currency fears & auction strength
30:10 — September rate cut prediction & Fed futures odds
31:55 — Could the Fed move 50 bps? Dan’s take
33:00 — Shadow Fed discussion & politics at the Fed
35:10 — Trump's possible Fed chair picks
37:05 — Advice for mortgage and real estate pros
39:00 — Building trust through vulnerability
40:45 — Having strong market answers to build authority
42:55 — Refinancing strike rate strategy
44:35 — Debt consolidation opportunities right now
46:00 — How to truly bring value to agents
47:35 — Tech-enabled agent & loan officer partnerships
48:20 — Home Report product walkthrough
50:10 — Predictive analytics & customer engagement tools

👍 Like and subscribe to the What’s Your 1 More Podcast for real, unfiltered conversations on the mortgage and housing market you won’t hear anywhere else!

Is the housing market truly on the verge of collapse — or are doom-and-gloom headlines getting it wrong again? In this milestone 250th episode, Quinton Harris breaks down the latest market data and exposes the truth behind rising listings, mortgage demand, and the so-called “lock-in effect” that’s shifting right before our eyes. Homeowners, you’ll want to hear why 40% of homes are now free and clear, and how 82% of mortgages hold 30% equity or more — a far cry from 2008. Quinton unpacks what’s really happening with mortgage applications, rate spreads, and what the next 90 days could mean for both buyers and sellers.

"The world didn’t stop. Transactions didn’t stop. The doomers are wrong again." — Quinton Harris

Special thanks to our show sponsor, Texana Bank! We’re proud to partner with a bank that’s not just about transactions, but about creating opportunities for professionals. From innovative programs like REMLO to nationwide lending solutions, Texana Bank is helping reshape the future of real estate and mortgage careers.


👉 Check them out at https://mortgage.texanabank.com — and see what makes them different.


👉 Check out REMLO at https://mortgage.texanabank.com/remloprogram/ for more information and to sign up now!

Connect with us:


YouTube: https://www.youtube.com/@whatsyour1more


Apple: https://podcasts.apple.com/us/podcast/whats-your-1-more/id1647180355


Facebook: /whatsyour1more


Twitter: /whatsyour1more


Instagram: /whatsyour1more


Spotify: https://open.spotify.com/show/37zPGizSKOGid1NVnm92i5

If you enjoyed this episode, please like, subscribe, and share your thoughts in the comments — your engagement shapes the future of What’s Your 1 More!