Rates, Shutdowns & Smart Moves: FHA/VA Wins Right Now

🏡 It’s The Loan Arranger Radio Show with Bruce Woodburn (CrossCountry Mortgage)—straight talk on mortgages and money that actually helps you win right now. This week Bruce cuts through the headlines (shutdown chatter, tariff news, stock swings) to explain how bond-market strength has created a real window for buyers and for FHA/VA refinances—and why some conventional borrowers should wait. He also breaks down when reverse mortgages make sense (and when they don’t), plus a step-by-step way to use seller-paid credits to permanently buy your rate down so you might never need to refi. ✨ Highlights Include:

• 📉 Rates & Markets: Why bonds—not the Fed funds rate—drive mortgages, and how recent uncertainty improved pricing
• 🪖 FHA/VA Advantage: When refis pencil out now vs. conventional loans that may not move the needle yet
• 🔄 Reverse Mortgages, Real Talk: Age/equity rules of thumb and red flags to avoid
• 🤝 Buyer’s Window: ~3.5 homes per buyer = leverage for concessions, repairs, and better terms
• 🧮 Seller Credits → Rate Buydowns: Structure offers to cut payment long-term (sometimes eliminating future refi needs)
• 🛡️ Protecting Veterans: Spotting predatory pitches and junk fees on “streamline” offers
• 💸 DPA vs. Seller-Paid Costs: When Hometown Heroes/DPAs help—and when seller credits + buydown save more
• ✅ Soft-Pull Pre-Approvals: See real options without a hard credit hit

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