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.
July 9, 2025
Do Home Prices Fall During Recessions? Not Really #shorts #recession #MortgageTips
Think home prices crash during recessions? In 6 of the last 7, they didn’t.
July 8, 2025
Fannie & Freddie Approve VantageScore 4.0 – Here’s Why That’s Risky #shorts #vantage #fanniemae
Fannie & Freddie will now accept VantageScore 4.0 for mortgage loans. But this model wasn’t designed for home lending.
July 8, 2025
Marry the House, Date the Rate? Big Mistake in 2025 #shorts #homebuyers #MortgageTips
Still stuck “dating the rate”? 7% mortgages aren’t cute anymore.
July 7, 2025
First-Time Homebuyers Are Disappearing – Here’s Why #shorts #rentvsbuy #mortgagetips
First-time buyers have vanished – just 28% of home sales. Meanwhile, landlords are buying up homes and raising rents.
July 7, 2025
CPI, Fed Minutes, Trade Drama – Rates on Edge #shorts #interestrates #economy
CPI Tuesday. PPI and Fed Minutes Wednesday.
July 6, 2025
Drowning in Debt but Sitting on Home Equity? #shorts #debt #debtfree
Maxed credit cards? Drowning in debt? You could be sitting on the solution.
July 3, 2025
June Jobs Report Is Fake – Here’s the Real Story #shorts #jobs #unemployment
The BLS says unemployment fell and jobs grew. But the labor force shrank and the Fed just got cover to skip a rate cut. These numbers are fiction. Don’t fall for it.
July 2, 2025
Refi Demand Surges as Mortgage Rates Dip to 6.79% #shorts #mortgagetips
Refi applications just jumped 7 percent as mortgage rates dropped to 6.79 percent. If you’re still sitting on a 7 percent loan, now’s the time to act. The market is already moving.
July 2, 2025
Private Sector Loses 33,000 Jobs in June #shorts #jobs #powell
ADP just reported the first private sector job loss in years – down 33,000 in June. That’s a red flag for the economy and a possible green light for rate cuts. Move fast or miss your window.
July 1, 2025
Job Openings Up, But Hiring Slows – What It Means for Rates #shorts #JOLTS #Powell
Job openings just surged by nearly 400,000, but the hiring rate fell. That means it’s taking longer to fill jobs – so the labor market isn’t as hot as it looks. And a weaker job market could push the Fed closer to…
July 1, 2025
Powell Admits Rate Cuts Blocked by Trump Tariffs #shorts #powell #trump
Powell just admitted the Fed would have cut rates – if Trump hadn’t announced tariffs. That’s not data-driven policy. That’s petty politics. And while Powell plays games, you’re paying the price.
June 30, 2025
Will the Fed Cut Rates in July? Here’s What That Means for You! #shorts #powell #fed
Is the Fed about to surprise us with a rate cut in July? Waller and Bowman are suddenly sounding more dovish – could mortgage rates drop sooner than expected? Watch this for the latest Fed twist and what it means for…
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