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PODCAST

KP Talks Dollars and Sense

KP Talks Dollars and Sense helps you learn financial literacy and provides real-time updates on all things housing, finance, and real estate with your host Kevin Peranio. As an owner and C-level executive for 20 plus years in finance, KP is here to serve you with all of his knowledge and experience. Tune in each week for more episodes. Kevin Peranio does not render or offer to render personalized investment or tax advice through KP Talks Dollars and Sense. The information provided is for

business investing

All Episodes

18:35

What Rising Rates Mean for Housing and Markets

KP Talks Dollars and Sense ·

2026/04/20

Housing Slowdown, Rate Pressure, and Market Signals: A Turning Point? From Washington, DC to Newport Beach, KP checks in during a week where housing data, mortgage rates, and macro signals are starting to shift the narrative. With rates staying elevated and volatility lingering beneath the surface, markets are entering a more uncertain, but potentially pivotal—phase. In this episode, recorded during the Mortgage Bankers Association National Advocacy Conference, KP breaks down the latest hou...

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18:35

Markets on Edge: Oil, War, and the Fight Between...

KP Talks Dollars and Sense ·

2026/04/13

Oil Shocks, Market Volatility, and Housing Strength: Navigating Uncertainty From Corona to Newport Beach, California, KP checks in during a week shaped by geopolitical tension, oil supply risks, and shifting economic signals. With global focus on key shipping routes and the potential for prolonged conflict, markets are reacting in real time, driving volatility across bonds, rates, and commodities. In this episode, KP breaks down how disruptions tied to critical oil passages could impact up ...

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20:09

Oil Shock, Fed Signals, and a Massive Market Opportunity

KP Talks Dollars and Sense ·

2026/04/06

From Corona, California to Newport Beach and beyond, KP checks in during a week where geopolitical conflict, oil supply disruptions, and economic uncertainty created a volatile backdrop for markets. While investors typically expect a flight to safety during global tensions, this time the reaction was different—highlighting just how complex and fragile the current environment has become. In this episode, KP breaks down how an oil-driven supply shock disrupted normal market behavior, pushing T...

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14:59

Oil Prices, Inflation, and Mortgage Rate Outlook

KP Talks Dollars and Sense ·

2026/03/30

Inflation, Oil Volatility, and AI Disruption Navigating a Confusing Market Cycle From Corona, California, to Newport Beach and the Bay Area, KP checks in during a week where geopolitical tensions, oil price volatility, and economic uncertainty created a choppy environment for markets. While the Federal Reserve continues to emphasize inflation over labor, the reality on the ground tells a more complicated story, especially for those struggling to find work in a still-fragile labor market. In...

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22:40

Rates Up, Chaos Rising—Why Markets Still Won’t Break

KP Talks Dollars and Sense ·

2026/03/23

Uncertainty, Oil Risk, and AI Scarcity: Markets at a Crossroads From Las Vegas to Corona, California, KP checks in during a week where geopolitical tension, Fed uncertainty, and rapid AI expansion collided—creating one of the most complex backdrops for markets in recent memory. With conflict impacting key oil routes and headlines shifting by the hour, volatility has returned across stocks, bonds, and commodities. In this episode, KP breaks down how disruptions tied to the Strait of Hormuz a...

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12:28

Oil Supply Shock Could Push Inflation Higher

KP Talks Dollars and Sense ·

2026/03/16

Oil Shock, Housing Disinflation, and Market Fear: What’s Driving the Economy Right Now From Park City, Utah, KP checks in with a macro update on the forces currently shaping inflation, interest rates, housing demand, and financial markets. While the latest CPI report shows inflation cooling to 2.4% headline and 2.5% core, markets are focusing on something else entirely—rising geopolitical tension and the risk of higher oil prices tied to uncertainty surrounding Iran and global supply routes....

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19:39

Oil Shock and Mortgage Rates Update

KP Talks Dollars and Sense ·

2026/03/09

Oil Shocks, AI Disruption, and the Markets Navigating Uncertainty From Corona, California, and Newport Beach, KP checks in during a week where geopolitical conflict, oil supply disruptions, and economic data collided to create a confusing moment for markets. Normally, global conflict triggers a flight to quality that pushes bond yields lower and improves mortgage rates. But this time, the bond market reacted differently because the shock came from the oil supply chain—reviving concerns about...

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12:24

Will 30-Year Mortgage Rates Hit 5% Soon?

KP Talks Dollars and Sense ·

2026/03/02

Inside Rates, AI, and the Forces Shaping Software & Mortgage Markets Coming to you from Scottsdale, Arizona, KP delivers an on-the-ground perspective from the Optimal Blue Summit and the Mortgage Collaborative Desert Disruption—where lenders, executives, and industry leaders gather to discuss the evolving intersection of technology, finance, and real estate. Designed for mortgage professionals and investors alike, these events highlight how AI adoption, regulatory shifts, and market forc...

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9:31

AI, Oil Prices, and Mortgage Rates

KP Talks Dollars and Sense ·

2026/02/23

Productivity, AI, and the Flow of Money: Why Deflation May Be Closer Than Inflation From Waikiki, Hawaii, KP checks in with a wide angle view of the forces quietly shaping inflation, interest rates, housing demand, and the broader economy. With fresh PCE inflation data on deck, the 10-year Treasury hovering near key levels, and global uncertainty lingering, this episode explains why worker productivity—and not just Fed policy, may be the real driver of where rates go next. KP breaks down ho...

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24:04

AI, Bonds and the Housing Market Shift

KP Talks Dollars and Sense ·

2026/02/16

Volatility, AI, and the Fight Between Strong Data and Falling Rates From Dallas, Texas, and Corona, California, KP checks in during one of the most confusing stretches in recent memory—where strong jobs data would normally push rates higher, yet bond yields are falling, and mortgage rates are improving. This episode breaks down why markets aren’t behaving the way headlines suggest, and how volatility, money flows, and uncertainty around AI and economic growth are reshaping the outlook for ho...

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24:01

Mortgage Rates Are Rising Again — Here’s Why

KP Talks Dollars and Sense ·

2026/02/09

Inside the Mortgage Industry: Policy, Rates, and the Real Forces Shaping Housing Coming to you from Amelia Island, Florida, KP delivers a front-row perspective from the Independent Mortgage Banker (IMB) Conference—where industry leaders, executives, and owner-operators gather to confront the biggest challenges facing mortgage banking today. Designed exclusively for independent mortgage bankers, the IMB Conference brings together decision-makers to discuss regulatory shifts, technology adopti...

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30:31

$200B Move Driving Mortgage Rates Lower

KP Talks Dollars and Sense ·

2026/02/02

Liquidity, the Fed, and the Hidden Drivers of Mortgage Rates From Corona, California, KP returns with a deep dive into the forces quietly shaping mortgage rates, housing demand, and market sentiment as the year unfolds. With Fannie Mae and Freddie Mac expanding their balance sheets, billions flowing into mortgage-backed securities, and the Fed navigating stale data and political pressure, this episode reveals why today’s rate environment is more fragile—and more important—than it appears. K...

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20:32

The Fed Just Hit Pause—Now What?

KP Talks Dollars and Sense ·

2026/01/26

Mortgage Rates, Volatility & the Fed: What the Bond Market Is Really Saying Live from Corona, California—and later South Beach—KP breaks down a packed week of economic data, bond market moves, and mortgage rate signals as markets navigate another familiar early-year reset. With the 10-year Treasury breaking above key technical levels, mortgage spreads quietly improving, and volatility remaining surprisingly contained, this episode focuses on how professionals should read the signals bene...

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19:57

CPI Is Flat — Housing Tells the Real Story

KP Talks Dollars and Sense ·

2026/01/19

CPI, Housing & Rates: Cutting Through the Noise in an Election Year Live from Park City, and later back at the desk in Corona, California, KP breaks down CPI Inflation Day and what the latest data actually says about housing, inflation, rates, and the broader economy. With housing making up over 40% of CPI and showing flat month-over-month growth, this episode explains why inflation continues to cool, why rates are sitting near three-year lows, and how the Fed is navigating distorted dat...

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23:34

Geopolitics Hit — What It Means for Your Rates

KP Talks Dollars and Sense ·

2026/01/12

Certainty Over Chaos: Markets, Money Flow, and Why Preparation Wins Coming to you from Corona, California and Park City, KP breaks down a volatile week where headlines screamed chaos—but markets told a very different story. From geopolitical shocks to jobs week, this episode cuts through the noise to explain how money actually moves, why rates improved, and what stability really means for housing, mortgages, and the broader economy. KP walks through why dire predictions around stocks and oi...

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12:31

Why Lower Rates Set Up a Strong 2026 Housing Market

KP Talks Dollars and Sense ·

2026/01/05

Low Rates, Pent-Up Demand, and the Road to 2026 From Corona, California, KP checks in during the “Void” between Christmas and New Year’s to unpack why interest rates are entering 2026 at some of the lowest levels of the year—and why that matters more than most people realize. With short-term borrowing costs down, housing demand quietly building, and borrowers watching rates closely, this episode connects the dots between Fed policy, equity growth, and real-world movement in housing and mortg...

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16:16

Why Bad Economic News Is Good for Housing

KP Talks Dollars and Sense ·

2025/12/29

The Fed, Liquidity & The Slowdown Ahead: What’s Really Moving the Economy From Laguna Beach at the California Mortgage Bankers Association retreat, KP breaks down the major forces shaping today’s markets, from weakening labor data to the Fed’s tightening cycle and the growing need for more liquidity in the system. As quantitative tightening winds down and global central banks shift their stance, KP explains how the Fed’s balance sheet must grow with GDP, why the market continues to lead...

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29:46

Jobs, Inflation & Rates Matter This Week

KP Talks Dollars and Sense ·

2025/12/22

Labor, Inflation & Rates: Reading the Signals Into 2026 Live from Corona, California, KB breaks down a critical end-of-year data stretch and what it really means for the economy, mortgage rates, and the markets heading into 2026. With jobless claims rising, labor quietly softening, and inflation sending mixed signals, this episode cuts through the noise to explain how the Fed is weighing its true “tri-mandate” and why markets are stuck in a tug-of-war. KB dives into why headline jobs nu...

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31:03

Mortgage Payments Are Dropping — Here’s What’s Next

KP Talks Dollars and Sense ·

2025/12/15

The Fog Lifts: Fed Cuts, Falling Rates, and Mortgage Momentum From Corona, California, KP breaks down a pivotal Fed week where long-delayed data finally comes into focus. With inflation trending lower, labor showing signs of softening, and the Fed delivering a hawkish cut paired with a more dovish tone, this episode connects the dots between monetary policy, liquidity, and what it all means for mortgage rates, housing demand, and the road to 2026. KP dives deep into the “plumbing” of the ec...

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20:37

What a Six Trillion Fed Balance Sheet Signals Now

KP Talks Dollars and Sense ·

2025/12/08

The Fed, Liquidity & The Slowdown Ahead: What’s Really Moving the Economy From Laguna Beach at the California Mortgage Bankers Association retreat, KP breaks down the major forces shaping today’s markets — from weakening labor data to the Fed’s tightening cycle and the growing need for more liquidity in the system. As quantitative tightening winds down and global central banks shift their stance, KP explains how the Fed’s balance sheet must grow with GDP, why the market continues to lea...

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217 results

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