Лучшие подкасты про Comma Club (2024)

1
Let's Learn Together, Join Me As I do The One Funnel Away Challenge. 10:46

1+ y ago10:46

10:46

In this episode I talk more about the One Funnel Away Challenge starting on January 14th. I talk about the strategies behind the Self Liquidating Offer Funnel. Signup for the One Funnel Away Challenge at jonfelty.com.

1
How You Can Find and Benefit from an Assumable Loan 6:33

1+ y ago6:33

6:33

Are you looking to purchase a home today, but wish you could have gotten a lower rate on your loan? Well, what if I were to tell you that even though market rates today are hovering around 7%, you can still purchase a home with a 3.5% interest rate or even lower intrigued? Stick around as I go through how that's a very real possibility for today's …

1
PPI Numbers Explained: Is Inflation Finally Slowing Down? 13:55

1+ y ago13:55

13:55

The cost of borrowing of a business, borrowing funds is still going up trying to slow down the spending that Americans and businesses are doing to inflict pain, right? We talked about this, that the Fed is trying to inflict pain. The Fed is trying to slow the roll to just slow down demand, slow down buying and allow supply chains to catch back up a…

1
Can I Buy Down My Interest Rate? 4:03

1+ y ago4:03

4:03

Seller Concessions and Rate Buydown Explained Let's walk through how you can actually buy down your interest rate! You can save hundreds, if not thousands of dollars by buying down your interest rate. But, there are some limitations to how much seller concessions you can receive, based on your loan and down payment. Let's also walk through the numb…

1
First-Time Homebuyer Advantages in Today’s Market 23:32

1+ y ago23:32

23:32

What does a first time home buyer today have that they haven't had for the last two years and might not have next year? The benefits of being a first-time homebuyer in today's real estate market are PLENTIFUL. In this episode I talk about some first-time homebuyer loan programs and opportunities to take advantage of... including getting a lower int…

1
Housing Today Comes Down to These Things 11:04

1+ y ago11:04

11:04

As we continue to see FED rate increases to slow the economy, we are starting to feel the fear, and it all comes with a price. The price is fear, instability, and job loss. Which in turn creates volatility as markets react to economic reports without the stabilization of a Federal Reserve buying mortgaged-backed securities and treasuries. But, I wa…

1
Eight Home Buying Myths 20:10

1+ y ago20:10

20:10

Nicole has had a lot of conversations with first-time home buyers making assumptions that aren't correct. So that's what we're talking about today. She is busting eight home-buying myths. Nicole goes through the myth, misplaced logic, and the truth about home buying. There are a couple of them that may really surprise you about being debt-free befo…

1
What Are Seller Concessions? 5:37

1+ y ago5:37

5:37

what is a seller concession? I mean, that's kinda like a dinosaur these days. I haven't seen one of those in several years. So a seller concession is when they agree to provide funds that support the buyer during the transaction. You can bump into a seller concession several times throughout the transaction. Usually, it's in the beginning. A buyer …

1
Discussing the Current Real Estate Market Landscape 23:22

1+ y ago23:22

23:22

The Froth is Off The Top from the recent history of waking up one day and saying, "You know what I would like to have, I would like to have a backyard with a water feature. There's one down the street, so I'm gonna go buy that one." It depends on who you are and what your goals are and what your finances look like. And that's always the case. I mea…

1
Focus On the Payment, Our Economy Works In Cycles 14:22

1+ y ago14:22

14:22

I want to talk about interest. I want to make this all about what's going on with the fear around interest rates. When are they going to come back down? That's a huge question right now, and I'm bringing it up because I'm getting asked that a lot. I was on a Market Trends committee meeting yesterday with DMAR and that also became a debate, whether …

1
3 Ways to Get Rid of Your Mortgage Insurance 4:32

1+ y ago4:32

4:32

Listen to this 4-minute episode with 3 quick tips on how to get rid of your mortgage insurance. It depends on the type of loan, and the current value of your home. But this episode is filled with good news in "3 Ways to Get Rid of Your Mortgage Insurance." 1. Call your servicer to talk about what you just heard in this epsiode. 2. If you can't reac…

1
Using Current Market Volatility To Your Advantage 23:30

1+ y ago23:30

23:30

So you finally got in, but the rate is five, five and a half, six, seven. The down payment assistance is seven, seven and a half. And all of a sudden, it doesn't seem fair, but it's still locked in, right? It's still your mortgage payment that you can count on that isn't going to go up any further. And if anything go down because interest rates wil…

1
Interest Rates are Below 5% Again 8:08

1+ y ago8:08

8:08

After July's momentary celebration of 5% interest rates, August ended the month at six, then September just finished having crossed 7%. Only a few months ago, six and a quarter seemed like the absolute ceiling as the US continued its strong stance against the slowing global economy, but that didn't last. We saw European economies bear the brunt of …

1
Why a Real Estate Slowdown Is Not a Loss 18:06

1+ y ago18:06

18:06

The Denver Real Estate Market is still up in price growth. In September, we saw a year-to-date price growth of 12.8%. I get this isn't the 21% increase Y.O.Y we saw in March, but IT IS STILL UP. We have to recognize that a real estate market slowdown does not mean a loss in value, it just means a shift in perspective. In this episode we take a look…

1
Should I build a home instead of buying a home? 2:57

1+ y ago2:57

2:57

Just because you want a different house doesn't mean you have to wait for the perfect deal in the perfect area to become available. You can, instead, create the home of your dreams, even if it's your first home, a starter home that you will sell later. You can build a home instead of waiting. With home prices climbing and very limited inventory on …

1
How Does the Global Market Movement Influence the US Real Estate Market? 21:06

1+ y ago21:06

21:06

So while we were sleeping, we were seeing the European bonds were selling off, which we opened up Monday morning to this bond selloff here in the United States, dropping the bond prices and raising our interest rates. Powell was just in Switzerland trying to speak to the Switzerland bank and convince them that he's got everything under control. I'm…

1
Can the Recession Just Get Here? 4:49

1+ y ago4:49

4:49

Are we in a recession? Can the recession just get here?! We have been talking about the looming recession long enough, and I'm ready for it to happen so we can just move on! It seems like the more we continue talking about a recession, the scarier it gets for consumers! Unfortunately, we still aren't there yet. We know that it's coming as the FED c…

1
Four Reasons Real Estate Just Picked Up Again 16:50

1+ y ago16:50

16:50

What is happening with interest rates? Realtors' businesses are picking up steam, even though we know rates are ticking up. The 10-yr Treasury just hit a high since 2011 (3.51%), and Sweden just raised their bank rate by 100BPS last night! As the FED gears up to meet again and controlling inflation remains top of mind, they've got a .75-1% FED rate…

1
What Are Your Responsibilities as a Co-Signer on a Mortgage? 4:02

1+ y ago4:02

4:02

Co-Signing can be an excellent option for increasing borrower qualifications and eligibility. But, it's also a big commitment that shouldn't be entered into without full knowledge of the responsibilities. Here's a breakdown of the responsibilities a co-signer carries and how a co-signer can later be removed from a loan. ----more---- Nicole Rueth Th…

1
Conforming Home Loan Limit Increasing to $715,000 13:50

1+ y ago13:50

13:50

There's good news for homebuyers! I understand that affordability is being put to the test. We just saw a 44% increase in prices and a 3% increase in interest rates. We also just saw the new conforming loan limit increase to $715,000! This is HUGE! The current conforming loan limit is $647,200, meaning those homebuyers that might not qualify for a …

1
DMAR Sept 2022 Homeowners Have the Upperhand 8:34

1+ y ago8:34

8:34

Historically the best forecasters have been able to consistently recognize that we are in a recession. Once we are actually in one to preemptively determine its onset has riddled economists for decades. Yet, an AR is Lawrence soon called a recession in August when he said, "In terms of economic impact, we are surely in a housing recession." A reces…

1
Is Home Affordability Gone? 2:37

1+ y ago2:37

2:37

We just experienced a HOT real estate market that left homebuyers who couldn't afford to pay $50,000 - $100,000 over the asking price with little chance of getting into a home. While home prices and interest rates seemed to skyrocket, home affordability was challenged, pushing many prospective buyers out of the market. But does that still hold true…

1
4 Shorts Foreclosures, Appraisals, Pre-Qual, Pre-Approved 4:28

1+ y ago4:28

4:28

What is the difference between Pre Qualified and Pre Approved? #shorts Foreclosures are up 150%! Okay, they are but let’s take a step back. They’re up 150% from 1 year ago when there was a FORECLOSURE MORATORIUM you couldn’t even do one! They are shooting up from extremely low lows, and many are still working their way through the system from pre-p…

1
Investing in Real Estate in the Denver Market 15:33

1+ y ago15:33

15:33

Investing in the Denver Real Estate Market TODAY. Nicole chatted with realtor, friend and fellow investor Christie Metoyer of Live.Laugh.Denver Real Estate and Rent today about purchasing her 3rd investment property and how real estate investing has changed her life! She says what blows most first time homebuyers away is the fact you do not need 20…

1
Why Would You Buy Real Estate Today? 18:37

1+ y ago18:37

18:37

Real estate is a long-term game. Nicole says it time and time again... it's not about money, it's about options. Investing in real estate opens up doors and options down the road that can lead to stability and financial success. While it may seem like a shot in the dark, real estate always goes up. The sooner you can capitalize on the benefits real…

1
Is it Boom or Gloom for the Housing Market? 5:02

1+ y ago5:02

5:02

What's Next for the Housing Market? Is it BOOM OR GLOOM? We've experienced an incredibly volatile housing market over the last two years. It was full of huge equity gains, rising home prices, and little inventory. So, what's next for the housing market?! Is the housing market going to crash? Will we enter into a recession? What happens to housing i…

1
DMAR August 2022 Recession Red Flags Have Been Drawn 10:05

1+ y ago10:05

10:05

A recession is always coming, it’s just a matter of time. It’s purely the nature of a cyclical economy. “Are we in a recession” searches continue to hit record levels on Google, and talk of a housing recession has some counting on the bubble to burst. With more inventory and all other numbers lower across the board, it’s starting to look like a rec…

1
How Does an Appraisal Work, and Do I Need One? 20:49

1+ y ago20:49

20:49

Another question in this episode is, "What if there's a grow house in the garage?" The guidelines for appraisals vary depending on who the lender is, whether it's Fannie, Freddie, VA, FHA, or Conventional. Nicole's guest is Paul Cress, AVP of Staff Appraisal Operations for Frisco Lender Services (FLS). Nicole asked him, "So what brings that volatil…

1
Three Steps to De-stress the Home Buying Process 4:03

1+ y ago4:03

4:03

1. Lock and Shop This is where you can hold the rate for 90 days, with the option to extend it for 30 more while you are under contract. If rates go up, you are locked in, if they go down, we can renegotiate the rate. 2. TBD Underwrite This goes hand in hand with Lock and Shop. We gather all of your information, submit it to an underwriter, and the…

1
Where is the market heading and what does it mean for homebuyers? 17:18

2y ago17:18

17:18

We are still seeing a lot of market volatility and with the FED meeting this week, everyone is praying that they will just control inflation! But, interest rates DROPPED. There is a window of opportunity to take advantage of as a homebuyer, and we have a program that can help you lock in at these lower rates! While you're at it, look at gas prices …

1
What to Tell Clients About Today’s Housing Market 25:38

2y ago25:38

25:38

In a tough market flooded with negative headlines, it can be an uphill battle trying to convince clients that now is still a good time to buy! The truth is that we don't know when a recession will happen, or what the extent will be? How much further interest rates will rise? When they will fall? How much will they fall? The list goes on and on. And…

1
A Higher Interest Rate Can Save You Money 4:21

2y ago4:21

4:21

I know higher interest rates are stressing affordability and pushing buyers to sit on the fence. But, what if I told you that a higher rate could actually SAVE CLIENTS' MONEY? You'd probably think it's a trick! But it's not, it's perspective. You are marrying the house, but you are dating the rates. *CORRECTION... The comparison rate used in my cal…

1
Is the FED Hurting Housing? 21:58

2y ago21:58

21:58

Fed Chair Powell stated the Fed is creating a "bridge period" of "demand exhaustion". This is being interpreted as the Federal Reserve is killing the housing market. I get it. But what I see is first-time home buyers getting the reset, the break they've been needing and asking for. Plus, with the housing market as strong as it is... it's hard to ju…

1
DMAR July 2022 - Inventory is double but it is not enough 9:59

2y ago9:59

9:59

Inventory exceeded demand in June for the first time since the same month in 2020. Spiking 94% year-over-year and 66% month-over-month. Price reductions, according to Redfin, increased to 40% of homes on the market in Denver. If the story ended there, it might concern me. Sellers flooding the market giving homes away at discounted prices. But the s…

1
What are three ways to get into the housing market, today? 21:02

2y ago21:02

21:02

There's so much strength and opportunity in our housing market today, but many buyers are still struggling to get in. Home prices are going up, along with rents, and interest rates remain in flux. But, you can't time the market! Purchasing a home is a big commitment, but buyers have to be able to see the long-term benefits that come with home owner…

1
This is an opportunity - Interest rates are down today - it’s GO TIME! 14:38

2y ago14:38

14:38

🔥🔥🔥 Rates Down, Inventory Up, Holiday Weekend... GO TIME! The 10-year treasury surprised me this morning. Listen to this and you will have 5 options of how to take advantage of the sudden drop in interest before the wave goes back up. Call Nicole Rueth ASAP to take advantage. She's here all day because SHE LOVES these opportunities. Nicole Rueth, S…

1
How Does a 2-1 Buy-Down Work? 13:17

2y ago13:17

13:17

This is a really detailed episode about a new interactive software tool. Nicole explains here. At the end of this post you will have a link for the interactive view of this tool she discusses. Here's a bit of what is covered in this episode. Interest rates and home prices have gone up. We know that. And not only is it a question of affordability, b…

1
Buying a Home Today - Why I Shouldn’t Rent 11:46

2y ago11:46

11:46

Now I know there have been headlines that the average rent in Denver has gone over $2000. It really just depends on what survey you're looking at. Either way, rents continue to go up. That's not going to slow down. As investors are paying more for their properties, they're going to be renting out for more. And those investors that bought properties…

1
3 Shorts on DTI - Debt to Income Ratio. 2:30

2y ago2:30

2:30

These three shorts give a quick explanation and ways you can reduce your debt-to-income ratio. This episode covers: What is Debt to Income Ratio?, What are the debts included in your DTI?, and How to Optimize Your DTI. We hope you find these quick explanations and suggestions helpful. They go great with the longer episodes here: What You Need to Kn…

1
What is an Appraisal Waiver and Can I Get One? 3:18

2y ago3:18

3:18

You can get an appraisal waiver and you can have an appraisal waiver. I wanna give everyone an appraisal waiver. It just doesn't quite work like that. Of course, there's a lot of talk about getting appraisal waivers, especially in a competitive market like today. So what is an appraisal waiver and what do you get to do once you have one? An apprais…

1
Why Are Interest Rates Going Up So Fast? 28:06

2y ago28:06

28:06

Strap in, this is a long one! Last week the CPI came out not as expected. The percentage doesn't matter as much as the DIRECTION... it went up! This threw the market for a loop. Interest rates did increase and now the headlines are making you believe we are going into depression. WE ARE STILL IN A STRONG HOUSING MARKET. The likelihood of massive jo…

1
Using ADU Rent to Qualify for More home 3:01

2y ago3:01

3:01

You can now use the income on an auxiliary dwelling unit to qualify to purchase or rate and term refinance your home. Well, that is a game-changer, especially for people who have an investor's mindset. How can I optimize the home I'm living in? Can I look at buying a two-unit, a three or four-unit, a single-family, a rentable basement? Well, those …

1
Transferring Wealth Through Real Estate 4:37

2y ago4:37

4:37

With the Denver market up 123%, since its peak in 2006, we have amazing wealth in equity. How do you tap into that wealth of equity, where you can give a gift of equity to your children, or to other family members? We can transfer wealth through real estate using gifts of equity. So what does that mean? And maybe what are some of the limitations wi…

1
Purchasing a Home in High Inflationary Times 21:12

2y ago21:12

21:12

Everybody's starting to look at the fact that more homes are now going are, are reducing their price before sale. I talked about this in the DMAR report that we just did last week in the video talking about the fact that those people that had to do a price reduction were on the market for an average of 28 days. That is a massively long time compare…

1
DMAR June 2022 - Is the housing frenzy over? 6:48

2y ago6:48

6:48

Months of Inventory for May landed at 0.67% or 20 days. A balanced market, when supply equals demand, is defined by 6 months of inventory. Yet, on the street, real estate agents and buyers “feel” like we are headed towards a balanced market. Close to List came in at 105.33% telling us buyers are still paying more than asking on average. If you look…

1
A Window of Opportunity for in Today’s Market 12:36

2y ago12:36

12:36

Historically, we are trying to determine the best direction for us individually and personally. And how do we operate? Because many want to operate out of fear. That is our natural go-to, but those that operate out of opportunity, create doors that open. We were talking about this last Thursday, when we did this ad hoc live talking about this weeke…

1
Interest Rates Dropped Going Into Memorial Weekend 12:40

2y ago12:40

12:40

It's not Tuesday, but I've got news that I want to share. And I know I've got market trends tomorrow, but rates went down, and I need to know that, you know, that especially going into Memorial Day weekend, how much did they go down? Why did they go down? And are they going to go down further? I mean, that's the question, right? Because is this a n…

1
Agents and Homebuyers - The Benefits of Choosing Your Own Mortgage Team 12:13

2y ago12:13

12:13

Today I wanna talk about being busy. I have heard a number of times over the last several weeks, maybe weeks saying, "I don't wanna bother you. You are too busy," or "I can't even believe you made time for me because you are so busy." or maybe I didn't think to call you because you're so busy when you are busy doing the things that you're passionat…

1
4 Reasons Higher Interest Rates Benefit Buyers 4:27

2y ago4:27

4:27

In the last two years, rates have been abnormally low, which has created an incessant demand, and an unlimited supply. All of that pushing home prices up higher and out of reach for first-time, homebuyers just a few months ago, the market was intense and it still is. Here's a quick recap of this episode. Listen to the full 8 minutes to get the deta…

1
Should You Get an Adjustable Rate Mortgage? 9:01

2y ago9:01

9:01

What is an adjustable-rate mortgage? and the bigger question is should you get an adjustable-rate mortgage? Inquiries regarding Adjustable Rate Mortgages are picking up steam! An ARM can help buyers expand their qualifications because they tend to have lower interest rates when we are in a rising interest rate market... like today. But with a lower…

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