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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

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All Episodes

00:05:44

They Were Meant to Fund Homes—So Where Is the Money...

Mortgage Research Network Podcast ·

2026/04/10

They were created to support affordable housing—but today, only a fraction of Federal Home Loan Bank funding goes toward home loans, raising serious questions about their role in the housing market. Tim Lucas and Craig Berry break down how this system evolved, where the money is going now, and what it could mean for housing affordability.In this episode you’ll learn:What the Federal Home Loan Banks were designed to do: Originally created during the Great Depression to provide low-cost funding for

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00:04:03

The Rising Cost of Maintaining America’s Aging...

Mortgage Research Network Podcast ·

2026/04/08

America’s housing stock is getting older—and more expensive to maintain. With the median home now at 44 years old, rising repair costs and ongoing expenses are putting serious financial pressure on homeowners. Tim Lucas and Craig Berry break down why the true cost of homeownership is climbing—and what it means for your budget.In this episode you’ll learn:Why homes are older than ever: The median U.S. home age has reached a record 44 years, increasing the need for ongoing maintenance and upgrades.How

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00:05:33

The Rise of Single Women Homebuyers: A Major Shift in...

Mortgage Research Network Podcast ·

2026/04/06

Single women are reshaping the housing market—and they now make up 21% of homebuyers compared to just 9% for single men, marking a major shift from decades past. Tim Lucas and Craig Berry break down what’s driving this trend and what it means for the future of homeownership.In this episode you’ll learn:Why single women now outpace single men in homebuying: The gap has widened significantly as more women enter the market independently.How this trend has changed over time: Single women have nearly

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00:06:00

Florida Overtakes California as the Riskiest Housing...

Mortgage Research Network Podcast ·

2026/04/03

Housing market risk isn’t confined to one region—and a new report shows high-risk counties spread across states like Florida, California, New Jersey, and Louisiana, each facing different pressures. Tim Lucas and Craig Berry break down where the risks are rising, what’s driving them, and how local conditions are shaping very different outcomes across the country.In this episode you’ll learn:Which states are seeing the most risk: Florida leads with the highest number of vulnerable counties, followed

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00:05:28

Crypto for a Down Payment? Fannie Mae Just Changed...

Mortgage Research Network Podcast ·

2026/04/01

Crypto is officially entering the housing market—and borrowers may soon be able to use cryptocurrency as collateral for a mortgage without selling it first. Tim Lucas and Craig Berry break down how this new policy works, who benefits most, and what it could mean for the future of homebuying.In this episode you’ll learn:How crypto can be used for a down payment: Borrowers can pledge cryptocurrency as collateral through a structured trust while still securing a traditional dollar-based mortgage.Why

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00:04:34

When the Kids Move Out: Is It Time to Upgrade Your Home?

Mortgage Research Network Podcast ·

2026/03/30

When the kids move out, many homeowners start rethinking how they use their space—but some are spending huge sums on renovations to reclaim their homes. Tim Lucas and Craig Berry break down why empty nesters are investing in major upgrades, what’s driving these decisions, and how to approach this transition without overspending.In this episode you’ll learn:Why empty nesters are renovating: Many homeowners see this life stage as a chance to redesign their homes for comfort, functionality, and

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00:04:35

The Truth About Wall Street Buying Up Homes

Mortgage Research Network Podcast ·

2026/03/27

Wall Street investors have been blamed for driving up home prices—but the data tells a more nuanced story. Large institutional buyers own less than 1% of single-family homes and are already pulling back from the market. Tim Lucas and Craig Berry break down what’s really happening, why policymakers are stepping in, and whether these efforts will make housing more affordable.In this episode you’ll learn:How much investors actually own: Large institutional investors control less than 1% of

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00:04:50

Is House Flipping Still Worth It in Today’s Market?

Mortgage Research Network Podcast ·

2026/03/26

House flipping isn’t as profitable as it used to be—with falling home prices and rising renovation costs, many investors are feeling the squeeze. Tim Lucas and Craig Berry break down what’s driving the slowdown, where opportunities still exist, and whether flipping is still worth it in today’s market.In this episode you’ll learn:Why home flipping is declining: The number of flipped homes dropped to its lowest level since 2020 as profits shrink. How falling home prices impact profits: Flippers no

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00:06:03

Think a Home Is Expensive? Wait Until You See the...

Mortgage Research Network Podcast ·

2026/03/26

Think buying a home is expensive? The real shock comes after you move in—homeowners can spend more than $400,000 on maintenance and repairs over time. Tim Lucas and Craig Berry break down where that money goes, why most people underestimate these costs, and how to prepare financially.In this episode you’ll learn:The true lifetime cost of maintenance: Homeowners spend an average of $339,000 on upkeep—and up to $418,000 including emergencies.Why expectations fall short: Many homeowners budget

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00:04:56

The Instagram Effect: Why Home Listings Don’t Always...

Mortgage Research Network Podcast ·

2026/03/26

Real estate listings can make homes look picture-perfect—but the reality doesn’t always match. Tim Lucas and Craig Berry break down how photos, descriptions, and marketing tactics can create misleading impressions, and what buyers should watch for before scheduling a showing.In this episode you’ll learn:Why listings feel like social media: Photos and descriptions are designed to highlight the best features while downplaying flaws.Common photo tricks to watch for: Wide-angle lenses, strategic

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00:04:36

The Rise of “Grandma Chic”: Why Cozy, Vintage Homes...

Mortgage Research Network Podcast ·

2026/03/26

Taking lessons on style from your grandmother? A growing backlash against sterile minimalism is driving homeowners toward cozy, nostalgic interiors inspired by “Grandma Chic.” Tim Lucas and Craig Berry explore why vintage décor, layered patterns, and more personalized living spaces are suddenly dominating design trends—and what it says about how people want to live in their homes.In this episode you’ll learn:What “Grandma Chic” really means: A design style that embraces vintage furniture, floral

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00:04:50

The Refi Window Is Open: 5.4 Million Homeowners Could...

Mortgage Research Network Podcast ·

2026/03/26

An estimated 5.4 million homeowners could refinance right now and potentially save hundreds of dollars a month. Tim Lucas and Craig Berry discuss the renewed refinancing opportunity as mortgage rates hover near 6%, why many eligible borrowers still haven’t acted, and how homeowners are tapping into their equity while market conditions remain favorable.In this episode you’ll learn:How big the refinance opportunity is: Roughly 5.4 million homeowners could benefit from refinancing at today’s rates.What

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00:04:26

The PITI Problem: The Hidden Costs Driving Up...

Mortgage Research Network Podcast ·

2026/03/26

Taxes and insurance are quietly taking a bigger bite out of homeowners’ monthly payments—and in some markets, they make up more than a third of housing costs. Tim Lucas and Craig Berry break down new research from Neighbors Bank showing how rising property taxes and insurance premiums are reshaping housing affordability across the country.In this episode you’ll learn:How big the PITI problem has become: In some U.S. markets, property taxes and homeowners insurance account for more than one-third of

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00:17:48

Realtor.com Economist Hannah Jones: Spring 2026...

Mortgage Research Network Podcast ·

2026/03/25

In this episode of the Mortgage Research Network Podcast, host Paul Centopani sits down with Hannah Jones, Senior Economic Research Analyst at Realtor.com, to break down what to expect in the Spring 2026 housing market — and whether conditions are improving for buyers.From the persistent housing supply gap to regional disparities and affordability barriers, this conversation explains what's happening in the world of real estate and what to expect going forward. Hannah also unpacks how different

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4:10

Locked In at Low Rates: Why Home Prices Didn’t Tank

Mortgage Research Network Podcast ·

2026/03/11

Many economists forecast a sharp drop in home values when interest rates started rising, but that never fully materialized. Homeowners with historically low mortgage rates are staying put, keeping home prices from falling as much as experts predicted. Tim Lucas and Craig Berry break down the Harvard study on rate lock, explore why fewer sellers are moving, and discuss what it means for buyers and the broader housing market.In this episode you’ll learn:What rate lock is: How homeowners with

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4:37

Ohio’s $24 Billion Tax Gamble: Abolish or Replace...

Mortgage Research Network Podcast ·

2026/03/09

Ohio generates roughly $24 billion a year from property taxes—but that entire system could soon face a dramatic overhaul. If voters choose to abolish property taxes, one of the state’s largest funding sources for schools and local services could disappear overnight. Tim Lucas and Craig Berry break down two competing proposals: one to eliminate property taxes entirely, and another to replace them with a land value tax. What sounds like tax relief could mean major changes for homeowners and

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4:25

Aging in Place Is the Goal—but Is It Financially...

Mortgage Research Network Podcast ·

2026/03/06

Aging in place is the overwhelming goal for older Americans—but the costs of making that possible may put it out of reach for many families. With in-home care, assisted living, and nursing home expenses climbing fast, Tim Lucas and Craig Berry break down what seniors actually want, what care really costs, and why planning ahead matters more than ever.In this episode you’ll learn:Why aging in place is so popular: About 93% of adults age 55+ say their goal is to remain in their homes as they

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4:21

Will Home Sales Rebound in 2026? A Look at a Bold...

Mortgage Research Network Podcast ·

2026/03/04

Home sales have plunged since their pandemic peak—but a new forecast suggests a sharp rebound could be closer than many expect. As mortgage rates eased from recent highs and inventory pressures slowly shift, Tim Lucas and Craig Berry break down a bold prediction that home sales could jump significantly in 2026, what’s been holding the market back, and what might finally unlock buyer and seller activity again.In this episode you’ll learn:How far home sales have fallen: Annual U.S. home sales

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5:01

Are Credit Report Costs Making Mortgages More...

Mortgage Research Network Podcast ·

2026/03/02

Credit report fees are climbing fast—and borrowers may be paying more without realizing it. With costs projected to jump 40–50% in 2026, lenders are pushing Congress to rethink long-standing credit report requirements. Tim Lucas and Craig Berry break down what’s driving the surge, what changes are being proposed, and who stands to benefit—or lose.In this episode you’ll learn:How much credit report costs are rising: Mortgage credit report fees are projected to increase 40–50% in 2026 after

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5:06

Banks vs. Nonbank Lenders: The Fed Aims to Reshape...

Mortgage Research Network Podcast ·

2026/02/27

Banks once dominated mortgage lending—but today, nonbank lenders control most of the market. Now, the Federal Reserve is exploring changes that could pull banks back in, reshaping competition, regulation, and borrower outcomes in the process. Tim Lucas and Craig Berry break down what’s at stake for borrowers and lenders alike.In this episode you’ll learn:How dramatically the market has shifted: Banks’ share of mortgage originations has fallen from about 60% in 2008 to roughly 35% today.Why

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