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.
December 2, 2025
The World Economy Is Booming. Rate Cuts Next?
The OECD says the global economy is surprisingly resilient, even with tariffs and slowdowns in major countries. This kind of stability could give The Fed more confidence to keep cutting rates at next week’s meeting….
December 1, 2025
Manufacturing Slump Could Push Fed to Cut Rates
U.S. manufacturing contracted again in November and the slowdown is getting harder to ignore. This kind of weakness could push The Fed toward holding or even cutting rates at next week’s meeting. Here is how that…
November 26, 2025
Consumer Confidence Just Dropped Hard
Consumer confidence just dropped to a seven month low and the decline was bigger than expected. This affects spending, housing demand, and mortgage rate volatility heading into the next Fed meeting. Follow me to…
November 25, 2025
Retail Sales Miss Expectations
Retail sales came in weaker than expected and buyers are clearly becoming more careful. This creates risk and opportunity for mortgage rates as the Fed tries to figure out whether the economy is slowing. Follow me to…
November 21, 2025
Home Sales Jump, But The Jobs Report Was Ugly
Home sales just hit an eight month high as mortgage rates dipped, but the jobs report told a very different story. Unemployment jumped to 4.4 percent and now the Fed is split on whether to cut rates in two weeks….
November 18, 2025
The truth about Portable Mortgages
The FHFA is exploring assumable and portable mortgages, but the reality is very different from the hype. These ideas sound great until you run the math, especially in a high price market like the Bay Area. Follow me…
November 12, 2025
Is The Fed About To Make A Big Mistake?
The Fed is split right down the middle on whether to cut rates in December. Some members fear inflation, others fear a slowdown, and with the shutdown killing key data, nobody really knows what’s next. Follow me to…
November 11, 2025
Main Street Just Lost Confidence
Small business optimism just dropped to a six-month low, and that matters more than Wall Street earnings do. When Main Street stops believing things will improve, it hits jobs, wages, and housing demand. Follow me to…
November 9, 2025
Why a 50 Year Loan Could Cost You Big!
They say a 50-year mortgage will make housing more affordable, but it’s a trap that keeps you in debt for life. In this video, I break down the math, expose how FHFA has abused similar programs before, and explain…
November 7, 2025
Only 42,000 Jobs Added… And That’s Supposed to Be Good?
ADP says we added 42,000 jobs in October, but that only brings the three-month total to 10,000. The Fed is flying half-blind with no official jobs data because of the shutdown, and Powell says there’s “no risk-free…
November 6, 2025
AI Is Taking Over Jobs Faster Than You Think!
The latest Challenger Job Cuts report shows the highest number of October layoffs in 22 years. We have now passed one million layoffs year to date, the most since 2009. Follow me to MASTER your mortgage and…
November 4, 2025
The Median First-Time Homebuyer is 40 Now
The median first-time homebuyer is now 40. High home prices and high mortgage rates have pushed buyers to wait longer, but that does not mean you missed your chance. If you are ready, there are smart strategies to…
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