I hope you are having a good time. I would like to have a Zoom meeting to give you some advice on how to grow your KZbin channel. Do you agree with me? I am waiting for your feedback. Thank you freelancer Shalauddin

Great information.

Todd Baker is one smart guy!

I appreciate this video. Thanks Sir.

This is a really good video

Love it, glad you're on my team!!

These are great, Todd! Thank you so much!

The lender approves the buyer's loan with a 10% down payment. Could the lender void the loan because the buyer now wants to reduce the down payment to 7%?

Worst affordability in the history of the country and this guy says it's a great time to buy. It's a great time to sell. I think we can all agree with that at least

Great Depression just starting😅

Maybe DFW it’s only getting started worldwide!😊

Look, everything is a lie in real estate including you pal.

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That's Greate Video Todd Baker🤩

Give me a single instance of people rushing to buy homes as soon as rates dropped. They only drop rates when they know mass layoffs are on the way. That’s why when rates drop, home prices collapse substantially harder. And you’re in the place where I went to school. I bought two homes this year at very decent prices but my market is nothing like Dallas. Given the fact that you’re a mortgage banker, I’m unsure if you’re actually this dumb (because most of them are genuinely that clueless) or if you’re just trying to FOMO people into buying out of a conflict of interest. The job market is already imploding especially among white collar workers with above a 12% unemployment rate among bachelor degree holders in their 20s. If I were in Frisco or Plano, I’d definitely wait in this market.

Do you cover in Florida please?

Wow, that's a big change!

I wish folks showing all the statistics would exclude the freaking bubble years. In a recent USA Today article about housing affordability, the National Association of Realtors stated home prices increased by +40% between 2020 and 2022. This was an demand based increase meaning artificial as no tangible value was added to justify this increase (i.e. like increasing livable square footage). It so easy to look at historical Home value and pricing. Just look up the Federal Reserve Economic Data (FRED) for you area and you will clearly see nationwide home prices, median price per sqft, etc exploded in the 2020-2022 time frame. So when any realtor does comps, as a buyer you have to look back to pre 2020 to find the true price based on historical trends, not this BS people are trying to sell you. Additionally, mortgage interest rates will not, let me repeat, will not be coming down anytime soon. We have the CPI data coming in next week to show inflation figures. Expect them to remain similar to last 6 months (i.e. between 3.2 and 3.6). The FED has already said they are not confident the data supports a rate decrease (also acknowledged rate increase is not supported). An overlooked point was the FED said they were capping their buying of mortgage backed securities, which will further pressure rates either keeping them flat or causing them to increase. So in short, buyers have an affordability problem between home prices being inflated and lending is too expensive. Sellers have not market-wide catalyst to force them to sell (78% of all US mortgages have rates of 4% or less) so do not expect to see a crash. We are in a stalemate for the foreseeable future. If I were in the real estate industry I'd be looking for another job or side hustle as its going to be a long and painful couple of years. There will be sales, but these will be for those unlucky few who have to move.

I believe it. There's no way to predict the future in stocks or interest rates or housing or anything else.

Great info! Thanks Todd, you are the BEST

YOU LOOK LIKE A CORPES. WRONG . THESE ARE LIES . WHAT A JOKE THIS IS. ANOTHER OUTTA TOUCH WITH SOCIETY BOOMER. WE ALL LAUGH At the pure ignorance of your generation.

What's your number ❤ 4:11

What's your number

What your number

Thank you, Todd. You're the best!

Thank you, Todd, for addressing this. Look forward to more of your insights on the subject.

Great stuff, thanks, Todd!

As an independent economist I can say he is totally wrong about a recession. The US economy is a house of cards. Beware.

schmuck

You are right Sir….Stay blessed! It is announced today!!

Your KZbin videos provide valuable information, what are your intentions behind creating them?

Great information

Great video

Todd I just found this script online. It's perfect for what I'm looking for. I am a new agent and I've spent the first 6 months of my career focused on sellers. Now I'm on a team and I am a buyer specialist and its a completely different approach. Anyway, I have a strong consultation but I really need a script for when I meet a new client at a showing. I didn't want to wing just asking for the buyers rep but I also have to get it signed before moving forward. This mf script is perfect. It'll add maybe 10 mins to the showing appt and atio set me up to all for the signature. I would really like to see some of your scripts and tools to show the wealth building power of home ownership. Do you have anything?

Are you going to post the script with this video?

Thanks Jonathan. Please subsribe and they will be sent to you automatically. I will keep passing along good information so help you grow your business

hey Tod I really like those videos.

I like this!