Mortgages Made Simple with Rick Gundzik
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| Thursday, January 1, 2009 |
| Mortgage rates and the Bailout - January 1, 2009 |
Have any of the bailout plans worked? We discuss the past few bailout ideas and why we think the Fed's latest attempt to push mortgage rates down will work.  We have touched on this plan before but we add some more commentary and delve a little deeper. Nothing but the best for our listener's on New Year's Day. Get ready for an exciting 2009!
Happy New Year!
If you have any questions you would like us to answer on our show, please call our listener line at 714-519-7833 or email mortgagepodcast@gmail.com.
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Labels: bad credit, bailout, cd rates, equity, fed, federal reserve, fha, fico, finance, home, housing prices, interest rates, investment, loan, loan rates, loans, money, mortgage, mortgage rates, mortgages |
posted by Pac Res @ 7:26 AM   |
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| Thursday, December 11, 2008 |
| Mortgage Rates at 4.5%??? - December 11, 2008 |
Today we answer another listener's question. Mike in Santa Barbara wanted to know how The Fed can lower mortgage rates to 4.5%. We explain how The Fed could do this and if it will last long. We don't think it will last long, so start preparing now to take advantage of it.
If you have any questions you would like us to answer on our show, please call our listener line at 714-519-7833 or email mortgagepodcast@gmail.com.
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Labels: bad credit, bailout, cd rates, equity, fed, federal reserve, fha, fico, finance, home, housing prices, interest rates, investment, loan, loan rates, loans, money, mortgage, mortgage rates, mortgages |
| posted by Pac Res @ 7:00 AM |
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| Thursday, December 4, 2008 |
| The Fed and The Treasury - December 4, 2008 |
Today we answer a listener's question. They wanted to know what the difference is between the The Federal Reserve and the Treasury Department. We explain how The Fed trys to control interest rates and inflation and The Treasury prints money. Overly simplistic maybe, but we put it all in perspective.
If you have any questions you would like us to answer on our show, please call our listener line at 714-519-7833 or email mortgagepodcast@gmail.com.
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Labels: bad credit, bailout, cd rates, equity, fed, federal reserve, fha, fico, finance, home, housing prices, interest rates, investment, loan, loan rates, loans, money, mortgage, mortgage rates, mortgages |
| posted by Pac Res @ 10:00 AM |
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| Thursday, November 13, 2008 |
| Current State of the Economy - November 13, 2008 |
We focus on the current state of the economy and explain why the Fed lowering rates doesn't directly affect mortgage rates. We also share some observations with you about the local economy in Orange County California.
If you have any questions you would like us to answer on our show, please call our listener line at 714-519-7833 or email mortgagepodcast@gmail.com.
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Labels: bad credit, bailout, cd rates, equity, fed, federal reserve, fha, fico, finance, home, housing prices, interest rates, investment, loan, loan rates, loans, money, mortgage, mortgage rates, mortgages |
| posted by Pac Res @ 7:00 AM |
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| Saturday, November 1, 2008 |
| Vote for a new kind of Mortgage Company - November 1, 2008 |
We've had this idea for many years now, but the industry has always resisted us. Imagine if you could do your own loan with no interference from a loan officer? You would get a good loan at a great rate. That day is here, help us win the ideablob contest to make this happen.
If you have any questions you would like us to answer on our show, please call our listener line at 714-519-7833 or email mortgagepodcast@gmail.com.
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Labels: bad credit, bailout, cd rates, equity, fed, federal reserve, fha, fico, finance, home, housing prices, interest rates, investment, loan, loan rates, loans, money, mortgage, mortgage rates, mortgages |
| posted by Pac Res @ 11:10 AM |
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| Sunday, October 26, 2008 |
| Top 10 Things You Don't Want To Hear The Head of the Federal Reserve Say - October 26, 2008 |
We never thought we would miss Alan Greenspan, even if you disagreed with his policies at least he knew how to use words carefully, until recently. After listening to the economic speak of the last few weeks we thought it was only appropriate to create this tribute to our current Fed Head.
Top 10 Things You Don't Want To Hear The Head of the Federal Reserve Say:
10. The systemic risk of the financial system is greatly exacerbated by how many big words I can use to confuse the public
9. If I follow the rainbow, there should be a pot of gold somewhere around here
8. Quick, get more ink for the printing presses
7. These dollar bills make great wallpaper
6. What the heck does systemic mean?
5. Which way to the soup kitchen?
4. Hey W, Do you have Alan Greenspan's cell phone number?
3. How do I start this helicopter?
2. Hi, I'm calling for the U.S. Government, can we get a loan mod?
1. Heads, I lower the discount rate...Tails, I raise it.
If you have any questions you would like us to answer on our show, please call our listener line at 714-519-7833 or email mortgagepodcast@gmail.com.
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Labels: bad credit, bailout, cd rates, equity, fed, federal reserve, fha, fico, finance, home, housing prices, interest rates, investment, loan, loan rates, loans, money, mortgage, mortgage rates, mortgages |
| posted by Pac Res @ 8:59 AM |
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| Thursday, October 23, 2008 |
| Loan Officer Fraud and Greed - October 23, 2008 |
While most people point all the fingers at Wall Street for the current mortgage mess a lot of the blame should go towards the individual loan officers. Whether it be that they over-stated a borrower's income or pushed the borrower into a bad loan so the loan officer would make more money, the loan officers need to be regulated better.
I have had many different ideas on how to regulate loan officers, but it comes down to the borrower level. A borrower has to ask the loan officer they're working with if he/she is licensed. If they are not licensed find one who is. Every state has an online licensee list, so you can easily check. It doesn't insure you won't be ripped off but it gives your loan officer more credilbilty. Fortunately due to the industry consolidation it will work itself out and we'll move forward with more professional loan officers as the unlicensed ones will leave the industry.
If you have any questions you would like us to answer on our show, please call our listener line at 714-519-7833 or email mortgagepodcast@gmail.com.
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Labels: bad credit, bailout, cd rates, equity, fed, federal reserve, fha, fico, finance, home, housing prices, interest rates, investment, loan, loan rates, loans, money, mortgage, mortgage rates, mortgages |
| posted by Pac Res @ 7:31 AM |
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| Thursday, October 16, 2008 |
| Europe Begins Bailing - October 16, 2008 |
The Bailing just keeps going. This week Europe announced a $2.3 trillion bailout bill dwarfing ours in America.On this podcast we discuss Europe's actions and we give a description of liquidity.
One of our loyal subscribers, Mad Marv, asked me to give a better definition of liquidity for the layperson. I tend to go fast on some economic terms so I appreciate any comments like this, because our goal is to help everyone understand their mortgage and the economy in general.
If you have any questions you would like us to answer on our show, please call our listener line at 714-519-7833 or email mortgagepodcast@gmail.com.
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Subscribe to Mortgages Made Simple by Email
Labels: bad credit, bailout, cd rates, equity, fed, federal reserve, fha, fico, finance, home, housing prices, interest rates, investment, loan, loan rates, loans, money, mortgage, mortgage rates, mortgages |
| posted by Pac Res @ 7:38 AM |
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| Thursday, October 9, 2008 |
| The Bailout and You - October 9, 2008 |
The Housing bailout bill has been making headlines day after day. On this week's podcast we discuss some of the questions that many people are asking. How will government make money from toxic debt, can the government value these loans correctly, how can we afford it and many others.
This is a complicated and ongoing economic situation that we will continue to discuss to help you understand it. Please be sure to send us your questions so we can help others with your insight.
If you have any questions you would like us to answer on our show, please call our listener line at 714-519-7833 or email mortgagepodcast@gmail.com.
Subscribe in a reader
Subscribe to Mortgages Made Simple by Email
Labels: bad credit, bailout, cd rates, equity, fed, federal reserve, fha, fico, finance, home, housing prices, interest rates, investment, loan, loan rates, loans, money, mortgage, mortgage rates, mortgages |
| posted by Pac Res @ 7:14 AM |
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| About Blog |
Helping you to understand mortgages and get the best home loan possible. |
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