Entrepreneur and Real Estate Finance Expert

For nearly two decades Jonathan Kutsmeda and his mortgage companies have helped thousands of clients excel in their real estate goals.

With Jon, you gain access to expert advice, unique financial products, and cutting-edge loan strategies that together set an unrivalled standard in the mortgage industry.

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Written by Jon Kutsmeda

Weekly Kut (Feb 13, 2023)

THE WEEKLY KUT - February 13, 2023   Welcome to the WEEKLY KUT where I recap the best social media posts, podcasts, and anything ...
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Coming in Hot

INFLATION GOLDILOCKS The Consumer Price Index (CPI) is a measure of inflation as a rate of change. The January CPI report is coming in ...
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Investing for Rogue Waves

Are You Ready to Surf the Debt Super-Cyclone?   Find out in the latest episode of the Milkshakes Markets Madness Show. You can watch ...
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7 Things to Know Before You Get a HELOC

READ THIS BEFORE YOU CONSIDER A HELOC (or Refinance) There are a lot of misunderstandings about what The Fed does when it “raises rates” ...
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Weekly Kut (Jan 09, 2023)

THE WEEKLY KUT - January 09, 2023   Welcome to the WEEKLY KUT where I recap the best social media posts, podcasts, and anything ...
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Did The Fed Slay Inflation?

Has The Fed Slayed the Inflation Dragon?   Find out in the latest episode of the Mortgage Guru Podcast. You can watch it on ...
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Latest on YouTube

SEASON 03 - EPISODE 02:<br />The Mortgage Guru has a fresh new look with a full video recording of me, as I riff in real time about the week in markets and mortgage rates.<br /><br />This week we had the December inflation data (CPI) and the best mortgage rates in 4-months as the bond market continued to rally, although not as enthusiastically as last week.<br /><br />Nonetheless, the 10-year closed below the key technical level of 3.50% after hitting cycle highs of 4.25% in November.<br /><br />Can the bond bulls continue to thwart the bears and keep 3.50% as the new level of technical support? The upcoming four-day week will be the first test with a stack of housing data scheduled to be released.<br /><br />Meanwhile, yield curves of all shapes and size continue to invert deeper and longer than ever before.<br /><br />What is the bond market signaling, how much higher will the Fed hike their overnight lending right, and what lurks in the shadows of the economy?<br /><br />Join me in this video to find out, in another episode of the Mortgage Guru Podcast.<br /><br /><br />------------------------------------<br />2022 YEAR IN REVIEW<br />------------------------------------<br />I recently shared my financial markets "2022 Year in Review". You can access all five parts on my blog at http://JKUTS.com.<br /><br />You can also jump right to Part 1 by clicking here:<br />https://jonkutsmeda.com/2022-year-in-review-part-1/<br /><br /><br />----------------------<br />TIMESTAMPS <br />----------------------<br /><br />(Coming Soon)<br /><br /><br /><br />----------------------------------<br />CONNECT WITH JON<br />----------------------------------<br /><br />To request a personalized mortgage consultation from Jon contact him through his website at http://JKUTS.com<br /><br />You can also follow Jon on twitter at https://twitter.com/JonKutsmeda<br /><br />or on Instagram at https://www.instagram.com/JonKutsmeda<br /><br />and on all other social media via his handle @JonKutsmeda.<br /><br />To make sure you always get your weekly dose of the Mortgage Guru, please subscribe to my YouTube channel: <br />https://youtube.com/user/JonKutsmeda<br /><br /><br />----------------------<br />LEARN MORE<br />----------------------<br /><br />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.<br /><br />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.<br /><br />To subscribe to this podcast visit https://www.MortgageGuruPodcast.com<br /><br /><br /><br />#inflation #mortgagerates #recession

SEASON 03 - EPISODE 02:
The Mortgage Guru has a fresh new look with a full video recording of me, as I riff in real time about the week in markets and mortgage rates.

This week we had the December inflation data (CPI) and the best mortgage rates in 4-months as the bond market continued to rally, although not as enthusiastically as last week.

Nonetheless, the 10-year closed below the key technical level of 3.50% after hitting cycle highs of 4.25% in November.

Can the bond bulls continue to thwart the bears and keep 3.50% as the new level of technical support? The upcoming four-day week will be the first test with a stack of housing data scheduled to be released.

Meanwhile, yield curves of all shapes and size continue to invert deeper and longer than ever before.

What is the bond market signaling, how much higher will the Fed hike their overnight lending right, and what lurks in the shadows of the economy?

Join me in this video to find out, in another episode of the Mortgage Guru Podcast.


------------------------------------
2022 YEAR IN REVIEW
------------------------------------
I recently shared my financial markets "2022 Year in Review". You can access all five parts on my blog at http://JKUTS.com.

You can also jump right to Part 1 by clicking here:
https://jonkutsmeda.com/2022-year-in-review-part-1/


----------------------
TIMESTAMPS
----------------------

(Coming Soon)



----------------------------------
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 #mortgagerates #recession

1 0

YouTube Video VVVQY09fV1pYS1FhMWxGd0NHbHRXYzhBLkRzb0FidjFNVjBB
SEASON 03 - EPISODE 01:<br />The new year decided to start with a bang!<br /><br />After a two-punch strike, from the NFP employment data and the ISM Services Sector report, the bond market rallied hard as both reports provided some early comfort, that perhaps, The Fed has slayed the inflation dragon.<br /><br />In this episode, I unwrap the data I just mentioned above and explain what this means for mortgage rates and the housing market.<br /><br />HINT: This seems to be the beginning of a new trend lower in mortgage rates, back down to historic averages.<br /><br />WARNING: Lower bond yields (rates) will likely come off the back of a market crash or recession. At the forefront of that will likely be the housing market, as the most recent bubble appears to have popped with 4-consecutive weeks of price declines.<br /><br />Lower mortgage rates are great news, but not if you are unable to take advantage of them with a refinance because housing price declines have wiped out the equity you need to qualify for a lower rate and payment.<br /><br />----------------------------------------<br />MORE ON THIS EPISODE<br />----------------------------------------<br />The non-farm payroll report is a monthly survey that attempts to gauge the health of the labor market.<br /><br />Historically it has been one of the most widely monitored data sets by the bond market as it provides a glimpse into when the underlying economy may be likely to experience inflation or deflation in the coming months, or year.<br /><br />Although it was another month of positive jobs growth, many of those new jobs were multiple job holders (people with more than one job).<br /><br />More importantly, growth in wages had slowed, which was another good sign that inflation may have peaked.<br /><br />Bonds do not like inflation, and therefore the bond market liked this data which resulted in a big bond rally.<br /><br />IMPORTANT<br />Mortgage rates are mostly driven by the price of mortgage bonds, and only indirectly by what the Fed decides to do with their overnight lending rate, The Fed Funds. I discuss the important relationship between bonds and mortgage rates in this episode.<br /><br /><br />Shortly after the NFP report, the ISM Services Sector data was released.<br /><br />The services sector had been "running hot" lately, adding fuel to concerns that inflation could become "anchored".<br /><br />Not only did the data miss expectations, but it was the biggest miss outside of a major recession or financial crisis.<br /><br />Either inflation is merely cooling quickly, or the economy is headed for hard times.<br /><br />------------------------------------<br />2022 YEAR IN REVIEW<br />------------------------------------<br />I recently shared my financial markets "2022 Year in Review". You can access all five parts on my blog at http://JKUTS.com.<br /><br />You can also jump right to Part 1 by clicking here:<br />https://jonkutsmeda.com/2022-year-in-review-part-1/<br /><br /><br />----------------------<br />TIMESTAMPS <br />----------------------<br /><br />(Coming Soon)<br /><br /><br /><br />----------------------------------<br />CONNECT WITH JON<br />----------------------------------<br /><br />To request a personalized mortgage consultation from Jon contact him through his website at http://JKUTS.com<br /><br />You can also follow Jon on twitter at https://twitter.com/JonKutsmeda<br /><br />or on Instagram at https://www.instagram.com/JonKutsmeda<br /><br />and on all other social media via his handle @JonKutsmeda.<br /><br />To make sure you always get your weekly dose of the Mortgage Guru, please subscribe to my YouTube channel: <br />https://youtube.com/user/JonKutsmeda<br /><br /><br />----------------------<br />LEARN MORE<br />----------------------<br /><br />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.<br /><br />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.<br /><br />To subscribe to this podcast visit https://www.MortgageGuruPodcast.com<br /><br /><br /><br />#inflation #mortgagerates #refinance

SEASON 03 - EPISODE 01:
The new year decided to start with a bang!

After a two-punch strike, from the NFP employment data and the ISM Services Sector report, the bond market rallied hard as both reports provided some early comfort, that perhaps, The Fed has slayed the inflation dragon.

In this episode, I unwrap the data I just mentioned above and explain what this means for mortgage rates and the housing market.

HINT: This seems to be the beginning of a new trend lower in mortgage rates, back down to historic averages.

WARNING: Lower bond yields (rates) will likely come off the back of a market crash or recession. At the forefront of that will likely be the housing market, as the most recent bubble appears to have popped with 4-consecutive weeks of price declines.

Lower mortgage rates are great news, but not if you are unable to take advantage of them with a refinance because housing price declines have wiped out the equity you need to qualify for a lower rate and payment.

----------------------------------------
MORE ON THIS EPISODE
----------------------------------------
The non-farm payroll report is a monthly survey that attempts to gauge the health of the labor market.

Historically it has been one of the most widely monitored data sets by the bond market as it provides a glimpse into when the underlying economy may be likely to experience inflation or deflation in the coming months, or year.

Although it was another month of positive jobs growth, many of those new jobs were multiple job holders (people with more than one job).

More importantly, growth in wages had slowed, which was another good sign that inflation may have peaked.

Bonds do not like inflation, and therefore the bond market liked this data which resulted in a big bond rally.

IMPORTANT
Mortgage rates are mostly driven by the price of mortgage bonds, and only indirectly by what the Fed decides to do with their overnight lending rate, The Fed Funds. I discuss the important relationship between bonds and mortgage rates in this episode.


Shortly after the NFP report, the ISM Services Sector data was released.

The services sector had been "running hot" lately, adding fuel to concerns that inflation could become "anchored".

Not only did the data miss expectations, but it was the biggest miss outside of a major recession or financial crisis.

Either inflation is merely cooling quickly, or the economy is headed for hard times.

------------------------------------
2022 YEAR IN REVIEW
------------------------------------
I recently shared my financial markets "2022 Year in Review". You can access all five parts on my blog at http://JKUTS.com.

You can also jump right to Part 1 by clicking here:
https://jonkutsmeda.com/2022-year-in-review-part-1/


----------------------
TIMESTAMPS
----------------------

(Coming Soon)



----------------------------------
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 #mortgagerates #refinance

2 0

YouTube Video VVVQY09fV1pYS1FhMWxGd0NHbHRXYzhBLmE2Si1EeEp0Nng0
CLIP 1, EPISODE 4:<br />During this clip from episode 4 we discuss how the decentralized nature of crypto can lead to violent crashes.<br /><br />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.<br /><br />You can see the full episode by visiting the YouTube link below:<br />https://youtu.be/-rN47jv_zVw<br /><br /><br />-------------------------------<br />CONNECT WITH US<br />-------------------------------<br /><br />You can connect with our guest Hannah Jo Hamilton on twitter at:<br />https://twitter.com/hannahjojo_<br /><br />To make sure you always get your weekly dose of Crypto Alpha, please subscribe to my YouTube channel: <br />https://youtube.com/user/JonKutsmeda<br /><br />You can also follow @_CryptoAlpha on twitter at:<br />https://twitter.com/_CryptoAlpha<br /><br />Visit our website to learn more about the crypto consulting services we offer: <br />https://CryptoAlpha.com<br /><br /><br />----------------------<br />LEARN MORE<br />----------------------<br /><br />CryptoAlpha.com presents the Crypto Alpha Podcast with Jon Kutsmeda, Andrew Reilly, and Brandon James.<br /><br />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.<br /><br />More great episodes from the show are easily accessible in the Crypto Alpha Podcast playlist:<br />https://www.youtube.com/playlist?list=PLqTCxlpfL4TonIu15CQo6xY-5IFMUBLWP<br /><br /><br /><br />#bailout #crypto #decentralized

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

YouTube Video VVVQY09fV1pYS1FhMWxGd0NHbHRXYzhBLnpGRU5raTJqZE1R
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