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HBO and The Ringer's Bill Simmons hosts the most downloaded sports podcast of all time, with a rotating crew of celebrities, athletes, and media staples, as well as mainstays like Cousin Sal, Joe House, and a slew of other friends and family members who always happen to be suspiciously available.
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Manage episode 492744452 series 3675445
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Mortgage rates can feel like abstract percentages—until a tiny shift costs you tens of thousands. In this episode, Tim Lucas and Craig Berry demystify what mortgage rates really are and why even a half-point swing can make (or break) your homebuying budget. You’ll learn:
- Rate Basics: How a 5% vs. 7% rate translates into real dollars on a $100K loan—and why today’s mortgages aren’t that “small” anymore
- Shocking Impact: Why a 0.5% jump can tack on an extra $46,000 over a $375K loan, or $100 more per month overnight
- Behind the Numbers: The Fed, inflation, bond markets, and mortgage-backed securities—what moves rates, and how to read the fine print on “low” advertised deals
- Smart Strategies: When to shop & lock, how your credit score and down payment size affect the rate you actually get, and simple hacks to shave points off your mortgage
- Long-Term Effects: How rates shape your equity build-up, monthly cash flow, and even your ability to afford that dream neighborhood
If you’ve ever wondered why lenders obsess over rates—and how you can turn rate knowledge into real savings—this episode is your fast-track to making every fraction count.
4 episodes
