CLIP 1, EPISODE 10:
In this video I explain how mortgage rates DO NOT rise or fall.

Instead, what actually happens is mortgage rates become either more expensive or cheaper.

This is because mortgage rates, and their price, are derived from specific mortgage bond coupons.

Depending on a number of factors, bond investors will buy or sell certain coupons based on their price and yield (rate).

This liquidity, or capital inflow, to certain bonds is what makes mortgage rates more expensive or cheaper.

Learn more by listening in to this clip from the July 29, 2022 episode of the Mortgage Guru Podcast.


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CONNECT WITH JON
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To request a personalized mortgage consultation from Jon contact him through his website at http://JKUTS.com

You can also follow Jon on twitter at https://twitter.com/JonKutsmeda

or on Instagram at https://www.instagram.com/JonKutsmeda

and on all other social media via his handle @JonKutsmeda.

To make sure you always get your weekly dose of the Mortgage Guru, please subscribe to my YouTube channel:
https://youtube.com/user/JonKutsmeda


----------------------
LEARN MORE
----------------------

Welcome to the MORTGAGE GURU PODCAST, where your host Jon Kutsmeda covers the topics that matter most to homeowners and real estate investors without the industry jargon.

Each week Jon helps you to look under the hood of the housing market to make sense of the economic factors which drive home prices and mortgage rates so you can make sound financial decisions.

To subscribe to this podcast visit https://www.MortgageGuruPodcast.com



#mortgagerates #refinance #bondmarket

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EPISODE 10:
It was a jam-packed week with the FOMC rate decision and the first report on Q2 GDP.

The bond market rallied after the Fed raised the policy rate, the Fed Funds, by 75 basis points.

This brought the 10-year Treasury Bond below the 2.75% resistance level, ending the week right around 2.65%.

The yield curve has been inverted across different parts of the curve for months. This is a very strong predictor of recession and just prior to The Fed announcement the 2-year and the 10-year was inverted more than 30-bps.

Speaking of recession, an advance GDP report on Thursday showed the economy contracted again in quarter 2.

The -0.9% drop marks two consecutive quarters of negative GDP, which is considered an official recession.

After the rate hike announcement and the GDP report the ongoing bond market rally which started a month ago picked up further momentum and as a result mortgage rates dropped to the lowest level in nearly 3-months.

How can mortgage rates drop if the Fed is hiking rates?

Tune in for this week's episode to find out, and to hear an explainer on why mortgage rates do not actually drop but instead lower rates merely become less expensive.?


----------------------------------
CONNECT WITH JON
----------------------------------

To request a personalized mortgage consultation from Jon contact him through his website at http://JKUTS.com

You can also follow Jon on twitter at https://twitter.com/JonKutsmeda

or on Instagram at https://www.instagram.com/JonKutsmeda

and on all other social media via his handle @JonKutsmeda.

To make sure you always get your weekly dose of the Mortgage Guru, please subscribe to my YouTube channel:
https://youtube.com/user/JonKutsmeda


----------------------
LEARN MORE
----------------------

Welcome to the MORTGAGE GURU PODCAST, where your host Jon Kutsmeda covers the topics that matter most to homeowners and real estate investors without the industry jargon.

Each week Jon helps you to look under the hood of the housing market to make sense of the economic factors which drive home prices and mortgage rates so you can make sound financial decisions.

To subscribe to this podcast visit https://www.MortgageGuruPodcast.com



#mortgagerates #ratehikes #recession

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EPISODE 9:
The June CPI data came in red hot on Wednesday. The Consumer Price Index, a measure of inflation, reported an increase of 9.1%, the highest reading in 41-years.

As a result the Fed is likely to raise their benchmark Fed Funds Rate by 100 basis point (1%) when the FOMC meets July 26-27.

However, the CPI is a lagging indicator and according to forward looking data it appears the Fed will be aggressively hiking into a recession, which will likely deepen the recession and exacerbate its impact.

The market has been sniffing out the likely policy error and in anticipation has push interest rates on long duration bonds lower than short duration bonds; a phenomenon known as an "inverted yield curve".

The most watching yield curve is between the 2-year bond and the 10-year bond, which ended the week 20 basis points (0.20%) inverted, the deepest inversion since the start of the century, even after the near record high inflation data.

Normally, high inflation is bad for bonds, but investors are running for the safety of cash-flow. As a result mortgage rates also declined, as the price of mortgage bonds rallied alongside US Treasuries.

Will this drop in mortgage rates continue, and will it be enough to keep housing from crashing along with the rest of the economy?


----------------------------------
CONNECT WITH JON
----------------------------------

To request a personalized mortgage consultation from Jon contact him through his website at http://JKUTS.com

You can also follow Jon on twitter at https://twitter.com/JonKutsmeda

or on Instagram at https://www.instagram.com/JonKutsmeda

and on all other social media via his handle @JonKutsmeda.

To make sure you always get your weekly dose of the Mortgage Guru, please subscribe to my YouTube channel:
https://youtube.com/user/JonKutsmeda


----------------------
LEARN MORE
----------------------

Welcome to the MORTGAGE GURU PODCAST, where your host Jon Kutsmeda covers the topics that matter most to homeowners and real estate investors without the industry jargon.

Each week Jon helps you to look under the hood of the housing market to make sense of the economic factors which drive home prices and mortgage rates so you can make sound financial decisions.

To subscribe to this podcast visit https://www.MortgageGuruPodcast.com



#inflation #recession #housingcrash

2 1

EPISODE 8:
Bond markets were already giving up a portion of the previous week's big gains before a strong NFP Jobs Report sent the benchmark 10-year Treasury Bond firmly above 300 basis points, ending the week near 3.08%.

A strong labor market gives the Fed the all-clear for additional rate hikes, but with labor participation falling, and wages slowly creeping higher, the tight labor market could continue to keep inflation hot even while the economy shows signs of cooling.

This could mean the Fed will need to remain aggressive even after certain market sectors, such as housing, start to slide.

The data clearly shows we are in a housing bubble even bigger than in 2006. Will Fed rate hikes be what finally pops this epic bubble, or has it already popped? Tune in to find out.


----------------------------------
CONNECT WITH JON
----------------------------------

To request a personalized mortgage consultation from Jon contact him through his website at http://JKUTS.com

You can also follow Jon on twitter at https://twitter.com/JonKutsmeda

or on Instagram at https://www.instagram.com/JonKutsmeda

and on all other social media via his handle @JonKutsmeda.

To make sure you always get your weekly dose of the Mortgage Guru, please subscribe to my YouTube channel:
https://youtube.com/user/JonKutsmeda


----------------------
LEARN MORE
----------------------

Welcome to the MORTGAGE GURU PODCAST, where your host Jon Kutsmeda covers the topics that matter most to homeowners and real estate investors without the industry jargon.

Each week Jon helps you to look under the hood of the housing market to make sense of the economic factors which drive home prices and mortgage rates so you can make sound financial decisions.

To subscribe to this podcast visit https://www.MortgageGuruPodcast.com



#housingbubble #ratehikes #employment

1 0

CLIP 1, EPISODE 4:
During this clip from episode 4 we discuss how the decentralized nature of crypto can lead to violent crashes.

In episode 4 of the podcast, recorded June 19, 2022, the Crypto Alpha Team welcomes special guest Hannah Jo Hamilton, an actuary and risk analyst at Genesis which is one of the world's largest digital asset lenders.

You can see the full episode by visiting the YouTube link below:
https://youtu.be/-rN47jv_zVw


-------------------------------
CONNECT WITH US
-------------------------------

You can connect with our guest Hannah Jo Hamilton on twitter at:
https://twitter.com/hannahjojo_

To make sure you always get your weekly dose of Crypto Alpha, please subscribe to my YouTube channel:
https://youtube.com/user/JonKutsmeda

You can also follow @_CryptoAlpha on twitter at:
https://twitter.com/_CryptoAlpha

Visit our website to learn more about the crypto consulting services we offer:
https://CryptoAlpha.com


----------------------
LEARN MORE
----------------------

CryptoAlpha.com presents the Crypto Alpha Podcast with Jon Kutsmeda, Andrew Reilly, and Brandon James.

Join us every week as we dive into the vast world of blockchain and cryptocurrencies to bring you the information that matters most, and an expert view from which all levels of experience can benefit.

More great episodes from the show are easily accessible in the Crypto Alpha Podcast playlist:
https://www.youtube.com/playlist?list=PLqTCxlpfL4TonIu15CQo6xY-5IFMUBLWP



#bailout #crypto #decentralized

2 0

EPISODE 6:
In this episode we find hope in the carnage of the recent Crypto Crash.

We also do a bit of a crypto mining refresher as Brandon shares news about Bitmain's new Ethereum miner.

In addition, Andrew gives us his case for why Solana is one of the most promising cryptocurrencies after recent news of the Solana phone, called Saga.


-------------------------------
CONNECT WITH US
-------------------------------

To make sure you always get your weekly dose of Crypto Alpha, please subscribe to my YouTube channel:
https://youtube.com/user/JonKutsmeda

You can also follow @_CryptoAlpha on twitter at:
https://twitter.com/_CryptoAlpha

Visit our website to learn more about the crypto consulting services we offer:
https://CryptoAlpha.com


----------------------
LEARN MORE
----------------------

CryptoAlpha.com presents the Crypto Alpha Podcast with Jon Kutsmeda, Andrew Reilly, and Brandon James.

Join us every week as we dive into the vast world of blockchain and cryptocurrencies to bring you the information that matters most, and an expert view from which all levels of experience can benefit.

More great episodes from the show are easily accessible in the Crypto Alpha Podcast playlist:
https://www.youtube.com/playlist?list=PLqTCxlpfL4TonIu15CQo6xY-5IFMUBLWP



#defi #solanasaga #ethereum

12 0