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PODCAST

Mortgage Research Network Podcast

Mortgage Research Network

Thinking about buying your first home but overwhelmed by mortgage news, rising rates, and confusing headlines? The Mortgage Research Network Podcast is your no-fluff, data-backed guide to the housing market. We break down the latest trends, stories, and research from MortgageResearch.com into simple, clear insights you can actually use. Hosted with first-time buyers in mind, each episode helps you understand what’s happening in the market and how to use that knowledge to make smarter decisions, from

education how to

All Episodes

4:52

No Tax on Home Sales Act: Ending the Capital Gains Trap

Mortgage Research Network Podcast ·

2025/07/21

Could selling your home trigger a hefty tax bill? In this episode, Tim Lucas and Craig Berry break down Congresswoman Marjorie Taylor Greene’s “No Tax on Home Sales Act,” which would eliminate the federal capital gains tax on primary-residence sales. You’ll learn:Current Rules: How the $250K (single) and $500K (joint) exclusions work—and why gains above those limits mean a 15–20% tax biteHomeowner Impact: Why 79% of Hawaiians and 64% of Washington homeowners could owe capital gains tax if

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4:25

Marrying Up—or Down? How a Low-Credit Spouse Can Cost...

Mortgage Research Network Podcast ·

2025/07/18

Tying the knot shouldn’t tie your finances in knots—but a partner with a sub-640 score can tack on an extra $437 per month (over 12 years!) and drive up homeownership costs by over $63,000. In this eye-opening episode, Tim Lucas and Craig Berry dive into the data behind “low-credit spouse” penalties and share strategies to protect your mortgage application. You’ll learn:Where the Costs Come From: How lenders use the lower score, and why mortgage, homeowners, and PMI premiums spike for

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4:54

Avoid These First-Time Buyer Pitfalls: Top Homebuyer...

Mortgage Research Network Podcast ·

2025/07/16

Buying your first home is thrilling—but it’s easy to stumble before you close. In this episode, Tim Lucas and Craig Berry highlight the biggest missteps that trip up 82% of new buyers (and leave nearly half scrambling to make payments). You’ll learn:Skipping the Lender Chat: Why house hunting before getting pre-approved can turn excitement into disappointmentUnderestimating Up-Front Costs: How 5–6% in closing fees on a $500K home adds up—and why maintenance reserves matter tooThe 20% Down

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3:14

The One Big Beautiful Bill: What It Means for Homebuyers

Mortgage Research Network Podcast ·

2025/07/14

Hot off the press—July 4’s massive “One Big Beautiful Bill” may not deliver down-payment grants, but it locks in key homeownership perks and reshapes deductions. In this episode, Tim Lucas and Craig Berry unpack the housing highlights (and notable omissions) from the new law. You’ll learn:Mortgage Insurance Deduction: How the bill makes PMI write-offs permanent for itemizers—and who qualifies under the income limitsInterest Deduction Cap: Why keeping the $750,000 mortgage interest cap

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4:42

Builder Buydowns: The Hidden Discount in New Homes

Mortgage Research Network Podcast ·

2025/07/11

What if a new-construction home came with a rate 2–3% below market—without the builder losing money? In this episode, Tim Lucas and Craig Berry reveal how homebuilders are leveraging massive interest-rate buydowns to keep prices stable and protect community values. You’ll learn:The Buydown Mechanics: How builders “eat” tens of thousands in profit—up to $34K per FHA loan—to permanently slash borrowers’ ratesIncentive Shift: Why 80–85% of buyers now choose buydowns over fancy upgrades, and

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4:48

Rent Payments on Your Credit: Turning Renters into...

Mortgage Research Network Podcast ·

2025/07/09

What if simply paying rent could boost your credit score? In this episode, Tim Lucas and Craig Berry explore the rise of rent-reporting services—and how landlords and renters can both win. You’ll learn:Credit Score Lift: How reporting timely rent payments can raise near-prime scores by up to 25 points, according to the Urban InstituteLandlord Benefits: Why owners who report payments see fewer late rents, stronger tenant retention, and smarter tenant screeningReporting Platforms: The leading

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4:24

Crypto on the Books: Counting Bitcoin for Your Mortgage

Mortgage Research Network Podcast ·

2025/07/07

What if your Bitcoin stash could finally help you qualify for a home loan? In this episode, Tim Lucas and Craig Berry unpack the FHFA’s June 25 directive asking Fannie Mae and Freddie Mac to treat crypto as reserve assets—and what that means for aspiring homeowners sitting on digital currencies. You’ll learn:The Big Change: How Fannie and Freddie may soon count crypto holdings (on U.S.-regulated exchanges) toward your required post-closing reservesDown Payment vs. Reserves: Why you still

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5:03

Mortgage Rates 101: How They Work and Why They Matter

Mortgage Research Network Podcast ·

2025/07/05

Mortgage rates can feel like abstract percentages—until a tiny shift costs you tens of thousands. In this episode, Tim Lucas and Craig Berry demystify what mortgage rates really are and why even a half-point swing can make (or break) your homebuying budget. You’ll learn:Rate Basics: How a 5% vs. 7% rate translates into real dollars on a $100K loan—and why today’s mortgages aren’t that “small” anymoreShocking Impact: Why a 0.5% jump can tack on an extra $46,000 over a $375K loan, or $100

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4:03

BNPL’s Homebuying Twist: From Credit Blindspot to...

Mortgage Research Network Podcast ·

2025/07/03

Buy Now, Pay Later seemed like a win—no credit checks, easy micro-payments. But in this episode, Tim Lucas and Craig Berry show how BNPL is moving from a credit-score loophole to a homebuying hurdle (or helper). You’ll learn:Gen Z & Millennials: Why nearly 60% are hooked on BNPL—and what that means for their mortgage futureFICO’s Game-Changer: How upcoming credit models will finally factor in those BNPL paymentsThe Hidden Risk: Why 65% of BNPL users planning to buy a home may face new

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3:56

Credit Disputes: When Fixing Mistakes Backfires

Mortgage Research Network Podcast ·

2025/07/03

You spotted an error on your credit report—so you dispute it, right? Not so fast. In this eye-opening episode, Tim Lucas and Craig Berry reveal the hidden pitfalls of disputing accounts when you’re in the middle of a mortgage application. You’ll learn:Why lenders remove disputed accounts entirely—and how just $1,000 in disputes can stall your approvalThe quirks of different loan programs (Fannie Mae, Freddie Mac, FHA) and when automated systems flag red lightsHow manual underwriting can

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4:29

Rent vs. Buy: Decoding the True Cost

Mortgage Research Network Podcast ·

2025/07/03

Is it really cheaper to rent than buy? In this data-driven kickoff episode, host Tim Lucas (editor of MortgageResearch.com) and seasoned originator Craig Berry break down the surprising numbers behind renting an apartment versus owning a $300,000 home over five years. You’ll discover:Why every major U.S. metro is currently “rent-cheaper” — and what that means for your walletHow equity gains and principal pay-down can slash the net cost of homeownershipThe maintenance “wildcard”: planning

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