Quick, plain-English takes on mortgage rates, the housing market, refinancing and reverse mortgages from Russell McDonald and the team at Wymac Capital. New videos are added regularly. Subscribe on YouTube.
September 24, 2025
Homes Are Selling FAST Why Are Builders Cutting Deals in 2025
Housing shocker: New home sales SOARED to 800K annual pace in August, crushing expectations of 665K Supply dropped from 9 months to 7.4 and builders are finally cracking with HUGE incentives. Some buyers are still…
September 23, 2025
Powell Admits Labor Market Slowing | New Fed ‘CHURN’ Data Coming
Powell admits the labor market is slowing Goolsbee says BLS data has been unreliable
September 22, 2025
Compass Buys Century 21 & Coldwell Banker | $1.6B Real Estate Shakeup
Compass just acquired Anywhere Real Estate for $1.6B. That brings in Century 21, Coldwell Banker, Corcoran, and Sotheby’s. The new giant now has 340,000 agents and is worth around $10B.
September 19, 2025
What MORTGAGE Mistakes Should You Avoid in 2025?
Don’t fall for these mortgage mistakes in 2025: 1⃣ Cash-out loans start higher, but in 6-7 months you can refinance into a better rate.
September 17, 2025
Fed Cut Celebration? Mortgage Rates Didn’t Get the Memo
Mortgage rates jumped from 6.13% to 6.22% overnight – even though the Fed just cut rates. Why? The 10-year Treasury yield surged after the Fed’s dot plot revealed at least two more cuts this year but also one member…
September 17, 2025
Fed Finally Cuts Rates… After Lying Jobs Data Kept Them Too High
The Fed just cut rates to 4.00%-4.25%… and the dot plot signals at least two more cuts this year. Mortgage rates are already near their lowest in a year. If you’re a homeowner or buyer, don’t waste money on points….
September 16, 2025
Fed Drama: Cook Stays, Miran Joins, Rate Cut Next? #shorts #MortgageTips
The Fed has turned into a courtroom drama. Lisa Cook stays on the Board after Trump’s attempt to fire her was blocked.
September 16, 2025
MORTGAGE Rates Will Stay VOLATILE If Consumers Keep Spending?
Retail sales jumped again in August – up 0.6% overall, and 0.7% excluding autos & gas. Consumers are still spending, even as the job market weakens.
September 15, 2025
How One Client Boosted 90 FICO Points in 4 Days (No Credit Repair Fees)
Most people think improving your FICO takes months or years. But one of my clients jumped from 713 → 803 in just 4 days – without spending a dime.
September 13, 2025
Californians DROWNING in 29 Percent Credit Card Debt Can I Help?
Paying 29% on credit cards forever? That plan sucks. My plan: use your home equity with a cash-out refinance and crush that debt at a fraction of the cost.
September 12, 2025
What is CASHOUT Refinancing for California Homeowners?
What is a cash-out refinance and how does it work? It’s when you replace your old mortgage with a bigger one and take the difference in cash. Used wisely, it can consolidate debt, lower payments, or fund…
September 12, 2025
California Homeowners See BIG Drop in Consumer Sentiment But Mortgage Opportunities Are Rising?
Consumer sentiment just dropped to the lowest level since May. When confidence falls, spending slows, businesses pull back, and the slowdown snowballs. But here’s the twist: housing opportunities often open up in…
Russell McDonald | NMLS 290837 | Broker CA DRE 01150730
Wymac Capital Inc | NMLS 18766 | Broker CA DRE 01121628
Real Estate Broker – CA Dept of Real Estate