Between Two Doors

  Weekly Mortgage Market Update As we approach the midpoint of 2025, here’s what Realtors and homebuyers need to know about the evolving mortgage landscape. Market Overview Since January 1st, the mortgage market has experienced a series of ups and downs—what many experts call “a series of sprints.” At its high watermark in April, markets enjoyed the most favorable conditions of the year, but we’ve since pulled back about 35 basis points from that peak. This movement is best tracked via the Mortgage-Backed Securities (MBS) trade coupon , which moves inversely to interest rates—when the trade coupon line goes up, rates are heading down investopedia.com . Interest Rate Trends Current Position : We’re creeping back toward that April high for MBS coupons, a positive sign for rate-sensitive buyers. Inflation Signals : The Fed’s preferred inflation gauge—the Personal Consumption Expenditures (PCE) index—is due Friday. Markets expect month-over-month inflation of just 0.1%, keeping th...

  Curious about how your credit report affects the homebuying journey—and what recent federal action means for your privacy? Here’s some great news and tips for Realtors, homebuyers, and homeowners alike: Congress Takes a Stand Against “Trigger Leads” Late on June 23, 2025, the U.S. House of Representatives passed H.R. 2808—known as the Homebuyers Privacy Protection Act—by unanimous voice vote, following the Senate’s unanimous consent approval of its companion bill, S. 1467, less than two weeks earlier nationalmortgageprofessional.com . This bipartisan legislation, championed by Reps. John Rose (R-TN) and Ritchie Torres (D-NY) in the House and Senators Jack Reed (D-RI) and Bill Hagerty (R-TN) in the Senate, will curb the abusive “trigger lead” practice—where credit bureaus sell your credit pull to third-party marketers—while still allowing your trusted lenders and Realtors to see your report when you’ve invited them to help you find the right loan congress.gov . Why This Matters...

  The Truth About Today’s Housing Market: A Message from Your Mortgage Expert Hey friends, it’s Nate Carver—your favorite mortgage guy—checking in with some real talk about where we are in the housing and mortgage market. Whether you're buying your first home, selling your third, or a Realtor helping clients navigate it all, this blog is for you. I recently sat in on a high-level Zoom town hall with Owen Lee, the Mortgage Banker's Association Vice Chairman for 2025 and other   national mortgage leaders, and I’m here to break down the key takeaways that matter most—to real people, not just loan officers. Let’s dive in!! Where are people finding their Mortgage Loan Officer? Let’s start with a surprising stat: over the last 18 months, the way people find their lender hasn’t changed much. Friends and family, past client databases, online search, and even social media have all stayed flat.  With all the excitement over AI and Social media there isn't much change in the r...

The U.S. labor market showed signs of cooling in May 2025, with nonfarm payrolls rising by 139,000 , slightly above forecasts but well below earlier months’ pace tradingeconomics.com . At the same time, the ADP National Employment Report revealed private-sector job gains of just 37,000 , underscoring moderation in hiring despite healthy wage growth of 4.5% year-over-year ycharts.com . Meanwhile, personal income saw a robust 0.8% monthly gain in April (the latest BEA release), translating to nearly a 9.6% annualized increase—an encouraging sign for consumer purchasing power and potential mortgage affordability bea.gov tradingeconomics.com . These data points briefly roiled markets: mortgage-bond yields jumped about 50 basis points on mixed inflation and income news, only to retrace much of that move within three business days as traders digested the full picture. Mortgage Rates & Prospects Despite headline gyrations, 30-year fixed mortgage rates have stabilized just below 7%...

  🎙️ Between Two Doors: Lisa Mann – Serving With Heart in Cypress, Texas In this inspiring episode of Between Two Doors , I had the pleasure of sitting down with Lisa Mann , a powerhouse Broker Associate with eXp Realty and the heart behind the Texas Power House Group. Based in Cypress, TX, Lisa brings a wealth of experience, a passion for service, and a deeply rooted commitment to helping military and veteran families find their dream homes. Lisa’s journey in real estate began in 1996 and truly gained momentum in 2004 as a single parent seeking flexibility and purpose. Since then, she’s built a dynamic career that bridges real estate and mortgage lending. Though she no longer actively originates loans, Lisa still maintains her mortgage broker license—a testament to her dedication and the depth of knowledge she brings to her clients. Real Estate, Lending, and the Power of Education What sets Lisa apart is not just her stellar production—earning 3x Icon status at eXp and closing $2...

  Between Two Doors: Creative Freedom Through Real Estate with Damon Boudreaux Guest: Damon Boudreaux Location: Lafayette, Louisiana Website: https://creativewholesaling.com Follow Damon: 📸 Instagram 📘 Facebook 📺 YouTube 🎵 TikTok Have you ever wondered if it’s truly possible to escape the 9-to-5 and build lasting wealth through real estate—even if you don’t have a huge nest egg? This episode of Between Two Doors is a must-listen. In this candid and motivating conversation, I sat down with Damon Boudreaux, a real estate investor and coach who started his journey back in 2003 with nothing more than a desire to take control of his future. Damon shares how he discovered the power of creative real estate financing —a path that allows new and experienced investors alike to secure and profit from properties without relying on traditional mortgages . Damon dives into: Lease option strategies that gave him control without upfront capital Seller financing deals wher...