All Episodes
Displaying 1 - 20 of 30 in total
Refi Window: Up to 3 Million Homeowners Back in the Mone
Mortgage rates have slipped enough to put millions back in the refi game. In this episode, Tim Lucas and Craig Berry explain who benefits, how much you could save, and...
2026 Loan Limits: Will Conforming Loans Top $842K?
Conforming (aka “conventional”) loan limits could jump ~4.46% in 2026—to $842K+—based on early FHFA Home Price Index trends. In this episode, Tim Lucas and Craig Berry...
Payment Shock: What It Is—and How to Beat It
That first mortgage payment can feel like a jolt—but lenders actually define “payment shock” pretty precisely: your new payment is 5% higher or $100 more than your cur...
Choosing a Lender: Beyond the Shiny Low Rate
That “too-good-to-be-true” rate ad? It often is. In this episode, Tim Lucas and Craig Berry share real buyer stories and a simple framework to pick the right lender—wi...
Fannie Mae’s 2026 Outlook: Falling Rates, Cooler Prices, More Sales?
Good news, finally: Fannie Mae’s latest forecast points to easing mortgage rates and slower home-price growth—conditions that could tip the market back toward first-ti...
Trigger Leads Shut Down: A Win for Homebuyer Privacy
Tired of 100 spam calls after a mortgage inquiry? Help is on the way. In this episode, Tim Lucas and Craig Berry explain Congress’s new law that stops credit bureaus f...
2,500 Keys to Homeownership: Down Payment Assistance Decoded
Most buyers overestimate what they need to buy a home—and miss out on thousands in help. In this episode, Tim Lucas and Craig Berry break down the exploding world of d...
Dorm or Deed: When Buying Beats Room & Board
At 23 U.S. universities, buying a home near campus can cost less than dorm living. In this episode, Tim Lucas and Craig Berry unpack when the numbers pencil out—and wh...
100-Point Credit Score Boost: Quick Wins vs. Long Game
Can your credit score really jump 100 points in weeks—or take seven years? In this episode, Tim Lucas and Craig Berry break down the fast fixes and the deep-rooted hur...
Home Price Slowdown: Buyer’s Window or False Dawn?
Freddie Mac just cut its 12-month home-price growth forecast from 4.2% to 1.3%—a seismic revision that could redefine buyer opportunities across America. In this episo...
Refi Frenzy: Surging 18% as Rates Dip to 6.5%
A weak jobs report sent mortgage rates tumbling—and refinance applications soared 18% year-over-year. In this episode, Tim Lucas and Craig Berry break down the data dr...
Temu’s $16K Foldable House: Viral Sensation or Housing Mirage?
A house that unfolds like origami for under $16,000? In this episode, Tim Lucas and Craig Berry dismantle the hype behind Temu’s discontinued fold-out prefab shell—and...
Student Loan Restart: 100-Point Credit Score Drops Exposed
Over five million Americans just felt the hit: federal student loan repayments resumed, and credit scores plunged—often by 100–177 points. In this crucial episode, Tim...
Graduation to Homeownership: Why the Class of ’25 Waits Until 2034
For recent grads, the path to a front door key just got a decade longer. In this episode, Tim Lucas and Craig Berry break down the new “homebuying timeline” study and ...
Crypto-Collateral Mortgages: Putting Bitcoin on the Line for Your Home
Imagine buying a $500K home without selling a single satoshi—just by pledging your crypto holdings. In this episode, Tim Lucas and Craig Berry break down the emerging ...
Home Price Shock: When Salaries Fall Behind
Home affordability has cratered—from 39 major markets to just 11 where median earners can still buy. In this eye-opening episode, Tim Lucas and Craig Berry unpack the ...
Credit Score Showdown: Will Homebuyers Win the War?
Lenders can now choose between FICO and VantageScore for conventional loans—ending decades of scoring monopoly and setting the stage for a credit‑score battle that cou...
Flood Insurance Fears: Why Only 7% of Texas Homes Are Covered
After devastating Texas floods, why are just 7% of homeowners protected by flood insurance—and under 1% in Dallas? In this episode, Tim Lucas and Craig Berry dive into...
Open House Etiquette: Master the Art of the Unwritten Rules
Stepping into a stranger’s home can feel awkward—until you know the etiquette. In this episode, Tim Lucas and Craig Berry share insider tips from top NYC agent Alexand...
No Tax on Home Sales Act: Ending the Capital Gains Trap
Could selling your home trigger a hefty tax bill? In this episode, Tim Lucas and Craig Berry break down Congresswoman Marjorie Taylor Greene’s “No Tax on Home Sales Ac...