Another week, another rollercoaster in mortgages—and this time, it’s all about rates, global conflict, and housing supply pressure.

In today’s episode of Today in Mortgages, Michael and Rich break down why home prices are still climbing, even while rates remain stubbornly high, and what April’s brief rate dip tells us about pent-up demand in today’s market.

They also dive into the Road to Housing Act, a rare bipartisan effort aimed at boosting housing supply—and why it’s currently stuck waiting on a signature.

If you’ve been waiting for the “perfect” time to buy, this episode might change your perspective.

🔑 Key Topics:

Why home price growth accelerated in May
How April’s rate dip triggered buyer activity
The real impact of international conflict on mortgage rates
What the Road to Housing Act could mean for inventory
Why waiting on rates could cost buyers long-term wealth
Coaching strategies for loan officers in a tough market


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/

Legal Disclosure:
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 View Licensing Info for all state licensing and other legal information. https://nflp.com

🔎 Hashtags
#MortgageNews #HousingMarket #LoanOfficers #RealEstateTrends #InterestRates

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.

Affordability continues to be a major hurdle for buyers—but it’s not the full story.

Michael and Rich break down the latest from the Fed, including the updated dot plot and what “higher for longer” really means for interest rates. They also dive into how global events, inflation, and rising costs—like taxes and insurance—are impacting monthly housing payments.

Then, they unpack a new Redfin report showing payments at a one-year high and explain why some buyers are stepping back… while others are finding opportunity in a less competitive market.

If you’ve been waiting on rates to drop, this is a must-listen.

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 Licenses - Network Funding for all state licensing and other legal information.

#TodayInMortgages #FirstTimeHomeBuyer #MortgageTips #RealEstateMarket

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.

It’s getting tougher than ever for the next generation to buy a home—but there are powerful ways families can step in and help.

In this episode of Today in Mortgages, Michael and Rich break down a recent AARP article on helping kids buy their first home and explore real-world strategies that go beyond the basics. From down payment struggles to creative financing options, they explain how families can work together to make homeownership possible—without sacrificing long-term financial goals.

Plus, they dive into Network Funding’s Family Loan—a unique solution that allows parents and grandparents to act as lenders, support their loved ones, and still earn a return.

What you’ll learn:
Why affordability is the biggest barrier for first-time buyers today

The truth about down payments (and why 20% isn’t required)

The pros and cons of gifting money vs. co-signing

What an intra-family loan is—and how it works

How Network Funding’s Family Loan creates a win-win for both generations

Why waiting on rates could cost you more in the long run

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 Licenses - Network Funding for all state licensing and other legal information.

#TodayInMortgages #FirstTimeHomeBuyer #MortgageTips #RealEstateMarket #LoanOfficerLife

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.

2030 may feel far away—but in housing, it’s closer than you think. In this episode of Today in Mortgages, we break down a bold prediction from Fannie Mae and what it means for home prices, affordability, and the next generation of buyers.

As the market normalizes, what should loan officers and real estate professionals be doing right now to stay ahead? This episode is packed with insights to help you educate clients, position yourself as a trusted advisor, and win in today’s market.

🔑 What We Cover:

• Fannie Mae’s outlook for home price growth through 2030
• Why a housing crash is unlikely despite affordability challenges
• The massive demand from Millennials & Gen Z buyers
• What “normal appreciation” really looks like (and why it matters)
• How loan officers can use this data to win more business
• Why positivity and education are your biggest competitive advantages

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

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.

There’s a quiet battle happening behind the scenes in real estate and mortgages—and it all comes down to who controls the lead.

In this episode of Today in Mortgages, we break down the growing tension between platforms like Zillow and Compass, and what their fight reveals about the future of mortgage lead distribution, MLS access, and vertical integration.

Rich Jefferson joins us in the studio to talk about:

Why big real estate and mortgage platforms want full control of the buyer journey

How “ecosystems” quietly limit consumer choice

What vertical integration really means for borrowers, agents, and loan officers

Why relationships—not tech—are still the differentiator

How AI will change the industry without replacing the best professionals

This is a must‑watch for loan officers, real estate agents, and industry leaders who care about protecting the consumer experience while preparing for the next cycle of change.

👇 Thinking about your future in this industry?
Network Funding is intentionally building tech around our mission—not the other way around.

🔗 Learn more: you.nflp.com

Legal Disclaimer:
Mortgages are produced by Network Funding, LP, Equal Housing Lender, NMLS 2297. This content is for commentary purposes only and does not constitute mortgage advice or a commitment to lend. Visit nflp.com/licenses for full disclosures.

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.

One in 10 mortgages today is non‑qualified — and if that headline made you think of 2008, you’re not alone.

In this episode of Today in Mortgages, Michael David sits down with industry veteran Rich Jefferson to break down what non‑QM loans actually are, why they’re growing, and why today’s non‑qualified mortgages are very different from the risky loans of the past.

We cover:

• ✅ What “non‑qualified mortgage” really means
• ✅ Why self‑employed, 1099, and gig‑economy borrowers are driving growth
• ✅ How today’s non‑QM borrowers are high‑credit, high‑down‑payment clients
• ✅ Why this is an opportunity — not a risk — for loan officers
• ✅ How DSCR loans are helping real estate investors qualify without W‑2s

If you’re a loan officer, mortgage professional, or real estate agent, this episode will help you stop turning away good borrowers and start closing more deals in today’s market.

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

Legal Disclosure
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 https://nflp.com/licenses for all state licensing and other legal information.

#TodayInMortgages #MortgageRates #LoanOfficers #RealEstateMarket

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.

How do you stand out in a tough mortgage market when everyone has access to the same tools, CRMs, and AI? In this episode of Today in Mortgages, Michael David and Rich Jefferson break down what actually separates top-performing loan officers and real estate professionals from everyone else.

Rich shares eye-opening insights about client retention, why 80% satisfaction doesn’t translate into repeat business, and how real relationship-building—not automation—creates long-term growth and referrals.

Key topics covered:
Why most loan officers lose repeat business after closing

The difference between CRM “touches” and real human connection

Practical ways to stay top-of-mind without sales agendas

How AI should support your business—not replace you

Why depth of relationship beats frequency of contact

Legal Disclosure:
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 Licenses - Network Funding for all state licensing and other legal information.

#TodayInMortgages #LoanOfficerLife #MortgageBusiness #RealEstateCareers

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 fear or finances really what’s keeping buyers on the sidelines? In this episode of Today in Mortgages, Michael David and Rich Jefferson break down how fear, anxiety, and misinformation are shaping buyer and loan officer behavior in today’s market — and what professionals can do to replace fear with confidence.

Key topics discussed:

Why 64% of first-time buyers feel intimidated by the homebuying process

The confidence boost that comes from pre-qualification

How loan officers can coach themselves through uncertain markets

Why national headlines don’t reflect local market realities

Turning fear-based conversations into fact-based decisions

Legal Disclosure:
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 Licenses - Network Funding for all state licensing and other legal information.

#TodayInMortgages #MortgageMarket #LoanOfficers #HomeBuying #RealEstate

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.