More Than Mortgage

Recently, the Trump administration instructed Fannie Mae and Freddie Mac to invest $200 billion into mortgage-backed securities... and the internet exploded.Did rates crash? Is this the beginning of 5% mortgages again? Or is the headline bigger than the impact?In this episode of Take Ten, Corey and Lisa break down:• What the $200B mortgage bond investment really means • Why rates didn’t drop as much as social media claimed • Where economists expect mortgage rates to trend in 2026 • Why rate stabilization matters more than dramatic drops • The truth behind the “foreclosures up 14%” headlines • A powerful cash-out refinance strategy saving clients $300–$2,000 per month • When to use a HELOC vs. a cash-out refinanceIf you’re a Realtor, homeowner, investor, or buyer waiting on rates to “crash,” this episode gives you the clarity you actually need.We cut through headlines and explain what’s really happening in the mortgage market — in under 10 minutes.📍 Hosted by The Mortgage Gallery 📊 Real data. Clear strategy. No doom scrolling.

In this episode of Take Ten, Corey Freels and Lisa Wiles from The Mortgage Gallery break down the latest market data and give Realtors the insights they need to win one more deal as we head into the holidays.We cover: • Why the December Fed meeting is unlikely to bring a rate cut • How to use the CME FedWatch Tool to sound like a market expert • Why mortgage rates ticked slightly higher this week • The truth about USDA delays and alternative 100 percent financing options • Why buyers are quietly popping up in December • Real stories from the field: — How a bank-statement loan boosted income from $3,800 to $27,500/month — An eight-day FHA close with a holiday in the middle • What Realtors should do right now to get listings in front of buyers who don’t even know they’re looking • The Half-Point Kickoff extension and how it helps buyers start with a a rate .5% lower for their first yearWhether your buyers are waiting on rates, confused by the headlines, or unsure about their options, this episode arms you with clear talking points and real solutions to keep deals moving.👉 We work weekends, nights, eight days a week. Send us your people. We’ll take care of them.AfterHours@TheMortgageGallery.com865-263-6727

The Fed finally cut rates, but mortgage rates went up?! In this week’s Take 10, Lisa Wiles and Corey Freels from The Mortgage Gallery unpack why that happened, what it really means for buyers and Realtors, and how to turn this tricky market into an opportunity.Here’s what you’ll learn: - Why mortgage rates don’t always follow Fed rate cuts - How to help buyers purchase before they sell with Fairway’s Bridge Loan - The genius pairing of Bridge Loans + Recasting for lower payments - How to plan now in Q4 to crush your 2026 goals - Fresh perspective on keeping your cup full, and your pipeline flowingIt’s 10 minutes of clarity, creativity, and real-world tips you can use right now.www.TheMortgageGallery.com865-263-6727AfterHours@TheMortgageGallery.com#MortgageRates #FedRateCut #RealEstatePodcast #Take10Podcast #MortgageGallery #BridgeLoan #Recast #MortgageTips #RealtorEducation #MarketUpdate #LoanOfficerLife #HomeLoans #BusinessPlanning #MortgagePodcast #HousingMarket

Mortgage rates are near their lowest point of the year — but that’s not the only good news. In this episode of Take 10 from The Mortgage Gallery, Lisa Wiles and Corey Freels break down what Realtors need to know right now:How the ongoing government shutdown is impacting rates and USDA loans Creative ways to save deals that fall apart after home inspections Why renovation financing is a hidden opportunity for agents Real-life stories of loans other lenders turned down (and how our team got them closed!) The power of our .5% lender-paid rate buydown and 20-year fixed optionsIf you’re a Realtor looking for fresh ideas to help clients close, even in a tricky market, this is your ten-minute edge.

The headlines say “rates dropped”, but is that what really happened? In this episode of Take 10, Lisa Wiles and Corey Freels break down the Fed’s September rate cut, what it means (and doesn’t mean) for mortgage rates, and why your clients may be hearing a different story in the news.You’ll learn:The difference between the Fed funds rate and mortgage rates (and why they don’t move the same way)How markets priced in rate cuts before the Fed announcementWhy mortgage rates actually ticked up after the cutThe opportunity Realtors have right now with the highest housing inventory since 2019How to use this knowledge to confidently guide buyers and sellersIf you’ve been waiting for the right time to get clients off the fence, this is it. Stay sharp, stay informed, and stay one step ahead.

We’re back—and we’ve got big news.Lisa and Corey break down what’s really happening in the housing market (spoiler: Knoxville isn’t following the national trend), what Realtors need to know about inventory and appraisals, and why home prices likely aren’t going down anytime soon.PLUS: We’re officially rolling out dynamic pre-approval letters—customizable, branded, and built for speed. And yes… it’s time to meet The Mortgage Gallery. We’re still your favorite humans, just with a fresh look and a bold new brand.Get the market update, the marketing scoop, and the story behind our rebrand—all in ten minutes flat.

In this episode, Lisa Wiles and Corey Freels dive into the latest executive orders and how they could potentially affect the housing market and what they mean for your business. From tackling housing affordability and supply issues to immigration policies and potential tariffs, we break down the real impact on the market and what to watch for in the coming months. Plus, we share a clever financing strategy that could help you (or your clients) secure an investment property with lower interest rates and reduced upfront costs.Tune in to learn how to stay ahead of market shifts and close "one more deal" with smart, strategic moves!

Kick off the new year with us on Take Ten! In this first episode of 2025, we dive into mortgage rate predictions for the year ahead and strategies to save and close deals in a challenging market. From navigating rising rates to tackling unique borrower scenarios, we share actionable insights to keep your deals on track.Hear how we’ve saved deals for self-employed borrowers, travel nurses, and even condos caught in credit union delays. Plus, learn about creative financing options like bank statement loans and DSR loans that help developers and builders thrive in this evolving market.Start the year strong with savvy strategies to save or make your next deal a success!

Are you ready to make 2025 your most successful year yet? In this episode of More Than Mortgage, we break down the latest mortgage rate trends, debunk the myths around forecasts, and share actionable strategies to help you build a market-proof plan. Discover how to align your goals with purpose, pick your guiding "one word," and implement habits that lead to sustainable growth. Whether you're navigating rate whiplash or aiming for a life of balance and success, this episode is your ultimate guide to thriving in 2025!

In this episode of Take 10, Corey Freels and Lisa Wiles from LTW Group share insights from the Elevate convention in Scottsdale, Arizona. Between learning from top speakers like Jesse Itzler and catching the latest on market trends, they're back with takeaways to boost your business and help clients navigate the current market. Get their takes on interest rates, election impacts, and why now might be the best time for real estate deals. Plus, learn why sometimes it’s not about waiting for rates to drop but about acting strategically in the moment.Here’s where to find some of the incredible people we mentioned:Jesse ItzlerInsta: https://www.instagram.com/jesseitzlerYoutube: https://www.youtube.com/@jesseitzler4Neel DhingraInsta: https://www.instagram.com/neelhomeYoutube: https://www.youtube.com/neeldhingraGlennda BakerInsta: https://www.instagram.com/glenndabakerYoutube: https://www.youtube.com/@Glennda

In this episode of Take 10, we dive deep into the latest trends in the mortgage market and how rising interest rates are impacting both buyers and those looking to refinance. Corey Freels and Lisa Wiles explain why now is the time to act, breaking down how recent market movements have surprised many and what strategies you can use to navigate this tricky landscape. From temporary rate buy-downs to problem-solving for credit-challenged buyers, we share real-world solutions that have helped our clients close on their dream homes. Tune in for practical insights, including a 431 credit score success story, and learn why waiting might cost more than you think.

In this third episode of Take 10, Lisa Wiles, Corey Freels, and Bekah Ruckart discuss the impact of the Federal Reserve’s recent rate cut on the mortgage market and what it means for buyers and realtors alike. Becca shares insights from an exclusive interview with Glennda Baker, a social media powerhouse, and previews an upcoming class focused on leveraging Google for business growth. Tune in for actionable tips on increasing buying power, negotiating deals, and boosting your online presence. Don't miss this chance to elevate your real estate career!