Mortgage costs could move lower in 2026 if employment slows. However some cuts to interest rates are already baked into mortgage rates, which is why rates fell in 2025.
What’s needed is an active effort to develop a parallel financing system for ownership that does not rely so heavily on bank debt, securitization, and inflation.
If you have a great rate on your mortgage, it may feel tough to give that up to move houses — especially if current mortgage rates are significantly higher.…...
Danielle DiMartino Booth, CEO of QI Research, says The Fed needs to cut interest rates more aggressively because the labor market is deteriorating rapidly and consumers are drowning in debt even though stock markets remain near all-time highs.
For business inquiries, reach me at david@thedavidlinreport.com
*This video is not financial advice. The channel is not responsible for the performance of sponsors and affiliates.
0:00 - Intro. 0:51 - Fed minutes 3:11 - Fed, behind the curve? 4:46 - Consumer spending and stress 9:06 - Fact check the Fed 12:46 - Cutting into a bubble and trusted indicators 17:45 - Labor market 20:33 - Dividend checks proposal and stimulating growth 24:09 - Inflation outlook and investment strategy 29:48 - Consumer sentiment 31:55 - Commercial real estate
Tidalwave, an agentic AI-powered mortgage point-of-sale (POS) platform, announced a $22 million Series A funding round led by Permanent Capital, with participation from D.R. Horton, Inc., the nation’s largest homebuilder, and a follow-on from Engineering Capital.
Mortgage rates stayed relatively unchanged again this week. In this case, no news is good news as rates remain at the lowest levels in over a year.In fact…...
✅ Why lenders require higher down payments You’ll learn how: • No home as collateral • Marketability concerns • Resale difficulty • Environmental uncertainty • Loan structure differences …all increase lender risk — and increase the down payment.
✅ Typical down payment requirements Why land loans often require 20% to 50% down, depending on utilities, zoning, and location.
✅ Interest rates on land loans Raw land = highest rates. Improved land = more favorable terms. We explain why.
✅ Real-world analogies that finally make land loans make sense Including: “Lenders love land… but they REALLY love houses. A house can be sold. Dirt? Not so much.”
✅ When a land loan actually makes sense Perfect for future building, investment, family property, or preparing for a One Time Close construction loan later.
👉 I’m Kris McCullough, a retired Marine and Mortgage Loan Officer with the KDM Team — we’re known for Funding Loans Other Lenders Fear. We help you fund homes and build dreams across multiple states.
▶️ Watch now, hit Like, and Share it with someone who deserves to live their retirement with confidence and peace of mind.
Last week I attended the best industry event I’ve ever been to. Over a dozen executives from Zillow and Compass were “on stage” for three days, discussing private exclusives, home search competition, highlighting evidence, and revealing their internal strategic planning processes – all under oath an
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