Timothy Sumer

Adam welcomes Brandon Caldwell, Senior Mortgage Advisor with Ruoff Mortgage to discuss rising interest rates and the changing mortgage market for residential purchases.  Brandon shares more about certain changes to regulation that make it more expensive for a qualified borrow to get a mortgage and more affordable for a less qualified borrower.  Brandon also talks more about loan level price adjustments and how they work during the mortgage process.  Given the prominence of new construction deals happening in the market Brandon explains those products and how they are trickier than you may anticipate.  Adam and Brandon also discuss some of the lesser utilized yet still viable products in today's market including Bank Statement Loans, No Doc Loans, and DSCRs.  Lastly, Brandon shares his advice to those who think they should wait until mortgage interest rates decline.   Email Brandon: B.Caldwell@ruoff.com  Brandon Caldwell Senior Mortgage Advisor  Ruoff Mortgage, NMLS I

"If Santa Claus should fail to call, bears more come to Broad and Wall" - Yale Hirsch Adam is diving into the idea of "The Santa Claus Rally" - the 5 day period of trading during Christmas and New Years. Historically, has the Santa Claus Rally been a good time to invest? With the data from 2022 looking very similar to data we saw in 1974, Adam is diving in to the data and assessing what it could mean for the last week of the year.  With 2022 turning out to be the worst year in the history of 60/40 portfolios, this is worth taking a look at.  Please be sure to check out this episode on YouTube!  Libertas Wealth:  Subscribe on iTunes:   Subscribe on Spotify:  Subscribe on Google Podcasts:  For more VIDEO podcasts like this one:  For more AUDIO podcasts:  For educational VIDEOS and Stock Market Updates:  For general financial educational ARTICLES:  For more Real-Time Updates on the Economy and State of the Markets Foll