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 11, 2025
California Homeowners Are Paying MORTGAGE Rates That Are Too High Due To Fake Rent Data?
CPI came in at 2.9% for August while jobless claims jumped – proof the economy is cooling. But the real absurdity? Owners’ Equivalent Rent still makes up nearly one-third of core CPI. That’s a survey question, not…
September 10, 2025
CALIFORNIA Homeowners Lose Thousands Due To Fake Jobs Data And Fed Drama?
Fed drama just hit a new level: Trump tried to fire Lisa Cook, a judge blocked it (funny enough, the judge was in the same sorority…), Stephen Miran’s nomination advances, and Wells Fargo says Trump is “entitled” to…
September 9, 2025
California Homeowners: Housing Market Gained $20 Trillion in 5 Years
U.S. housing gained $20 trillion in value over the last 5 years. The average homeowner’s net worth is roughly 40x higher than a renter’s. More millionaires have been created through real estate than almost any other…
September 9, 2025
California Homeowners Lost THOUSANDS Due to 900000 Erased Jobs?
900,000 jobs – erased. The largest payroll revision in U.S. history. More than half the “job gains” we were told about never existed. The Fed delayed cutting rates last year because of these now-debunked reports….
September 8, 2025
California Homeowners: Eliminate BAD Debt Quickly and Forever
Credit card debt at 22%? That’s financial quicksand. If you’re a California homeowner, your equity can be the weapon to eliminate bad debt quickly – and forever. A cash-out refinance can simplify your payments, save…
September 5, 2025
August 2025 Jobs Report Reveals a HIGHLY Likely Fed Rate Cut?
Today’s jobs report made a Fed rate cut almost certain – not because the economy is collapsing, but because we’re finally seeing numbers that reflect reality instead of fiction. For years, bad BLS data drove bad Fed…
September 4, 2025
CALIFORNIA Homeowners Can Wipe Out Credit Card Debt with a Cash-Out Refinance Now?
Your HOUSE is the weapon that can OBLITERATE your credit card debt. Instead of burning through 22% interest, you can swap high-interest trash for a low-interest mortgage with a cash-out refinance. Real math, real…
September 3, 2025
Fed Beige Book vs Waller: Stable Economy or Emergency Cuts?
The Fed’s Beige Book says the economy is “stable.” Governor Waller says we need multiple rate cuts before year-end. Which is it – snooze mode or panic mode? Here’s what it really means for your wallet.
September 3, 2025
Job Openings Crash: Hiring Slows to Lowest in a Year
Job openings just crashed to the lowest in nearly a year. Hiring has stalled, the Fed is under pressure, and your leverage in the job market is shrinking fast. Here’s why this slowdown matters for your wallet – and…
September 2, 2025
What’s Happening with TRUMP’s Housing Emergency and Your Mortgage?
Apparently, Washington just discovered we’re in a housing crisis – and now they might call it a national emergency. But what does that actually mean for you? Rent freezes, forced corporate sell-offs, or lower…
August 29, 2025
Consumer Confidence Just Collapsed
Consumer sentiment dipped to 58.6, missing forecasts. Inflation fears are rising, and conditions for big purchases are the weakest in a year.
August 28, 2025
TransUnion Breach Explained: How To Protect Your Credit
The TransUnion breach exposed 4.4 million people’s Social Security numbers, names, and birthdates. Here’s how to protect yourself: sign up for free accounts at TransUnion, Experian, and Equifax, reject every upsell,…
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