Justin Lopatin
Justin Lopatin
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Experts Say THIS Will Happen When Mortgage Interest Rates Fall
📥 Download my FREE homebuyer guide: bit.ly/CH3KL1ST
Wondering how falling mortgage rates will impact your next move? 🏡 In this video, we break down the “lock-in effect,” rising buying power, and why 2025 could be the year to buy or sell.
With current interest rates falling, experts predict that these homeowners may be willing to finally list their home for sale, therefore, bringing more inventory to the market. So this could be even more good news for homebuyers. Realtor.com has an article that I’d like to share with you all and talk about.
📞 Schedule a FREE Homebuying Consultation with my team: calendly.com/justinlopatin/home-loan-consultation
Want A Deeper Dive Into Homebuying?
👨‍🏫 Watch My Homebuying Masterclass: bit.ly/LopatinClass
Thank you for watching!
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=====================
💼 Good Home Vibes Only ✌️ Get your home loans here!
www.vybemortgage.com/lo/jlopatin
Justin Lopatin
NMLS# 226780
Vybe Mortgage
Chicago - Florida
#RealEstate #RealEstateInvesting #JustinLopatin #Homeownership #homebuyingtips #homesellingtips
#HousingMarket2025
#MortgageRatesUpdate
#HomeBuyingTips
#RealEstateInvesting2024
#MillennialHomebuyers
#FedRateCuts
#LockInEffectExplained
#PreApprovalTips
#InterestRates2024
#RealEstateStrategies
0:00 - Intro
0:45 - Fed Cuts Interest Rates: What It Means for Buyers & Sellers
2:15 - The “Lock-In Effect” Explained
3:30 - How a 2% Rate Drop Boosts Buying Power by $100K
4:50 - Millennials Driving Demand: 2025 Market Forecast
6:10 - Why Winter 2024-2025 is a Great Time to Buy
7:40 - Spring Market Outlook: Multiple Offers Expected
9:00 - New Buyer Broker Rules: What You Need to Know
10:30 - Why Getting Pre-Approved Early Matters
11:30 - Advice for Sellers: List at Fair Market Value
12:20 - Outro
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ความคิดเห็น

  • @vhhomes251
    @vhhomes251 2 วันที่ผ่านมา

    Sir it’s very unlikely that mortgage rate fall below 5%. This is true even if fed brings down the overnight bank rates close to 4%. The old mortgage rates like 2 or 3% will be history.

    • @rebeltheharem7028
      @rebeltheharem7028 2 วันที่ผ่านมา

      That'll only happen if the fed drops rates back down to less than 2%, and that's basically recession territory rates, which we will never know when it will happen. What we do know is that consumer debt (especially high interest unsecured debt) has never been higher (1 trillion...), and this can only go for so long until they default on this, which means they will also end up defaulting on car loans, and then their mortgages. I honestly can't wait, cause then it would mean I can actually buy a house...

  • @AMatofFact
    @AMatofFact 3 วันที่ผ่านมา

    A little naive to think that the supply that may be created by homeowners who bought four years ago with existing mortgages loosing their lock-in effect will even compare to the demand by literally every family who rents right now.

  • @celestinoedubas
    @celestinoedubas 5 วันที่ผ่านมา

    THANKYOU JUSTIN

  • @tigerbalm8327
    @tigerbalm8327 6 วันที่ผ่านมา

    I would like to buy a building with my Equity. I bought a two family house in 2018 for $375,000 With hey don’t payment of $115,000 Now the value of the house is about 815 to 900,000 What’s the best to do?

    • @justinlopatin
      @justinlopatin 5 วันที่ผ่านมา

      @@tigerbalm8327 I can help you strategize. Let’s connect justin@vybemortgage.com

  • @oscarvelz5385
    @oscarvelz5385 6 วันที่ผ่านมา

    What is the salary I need to qualify for a 500.000 home? Please answer me that, thank you

    • @justinlopatin
      @justinlopatin 5 วันที่ผ่านมา

      @@oscarvelz5385 it depends on the down payment the the annual tax/insurance amount. Let’s say you put down 5% ($25k) and conservatively estimate taxes/insurance are an additional $700mo. Estimated payment would be around $3,800. You’d need to make $120k+ to qualify and afford this. **These are estimates**

  • @Lynn67mama
    @Lynn67mama 6 วันที่ผ่านมา

    U got be careful that ur rental has a dependable renter or you’ll get stuck with no payment money it can be risky between no rent paid n any repair cost needed any damages from the renter & any of their belonging removal they may stick u with

    • @justinlopatin
      @justinlopatin 5 วันที่ผ่านมา

      @@Lynn67mama very true, always risk to consider.

  • @DailyRants89
    @DailyRants89 6 วันที่ผ่านมา

    Thanks this was very helpful. We''re outgrowing our condo that we bought at the beginning of the pandemic but we got it for a good price and super low interest. The estimated value of our condo has gone up quite a bit while living here. This allows us to think about all the options for our family moving forward. Very detailed and straight to the point.

    • @justinlopatin
      @justinlopatin 5 วันที่ผ่านมา

      @@DailyRants89 thanks. If you want some advice thinking it through, let me know. This is what we do. Justin@vybemortgage.com

  • @jennyhwang3260
    @jennyhwang3260 7 วันที่ผ่านมา

    Very detailed explanation covering all aspects of home equity. The last suggestion is the best- getting equity out to purchase another property. Meanwhile, the rent is covering the first house!

  • @Psylliumhead
    @Psylliumhead 14 วันที่ผ่านมา

    Yeah, the government who makes the problem is going to solve the problem. I have a bridge in Florida for sale.

  • @kimopalama256
    @kimopalama256 14 วันที่ผ่านมา

    Honolulu, Hawaii 😂

  • @SM_zzz
    @SM_zzz 14 วันที่ผ่านมา

    Switzerland is also strict on immigration and strong borders. I loved living there.

    • @justinlopatin
      @justinlopatin 14 วันที่ผ่านมา

      @@SM_zzz interesting. Makes sense

  • @jankeyarjune3008
    @jankeyarjune3008 15 วันที่ผ่านมา

    Best explanation

  • @pamelag9346
    @pamelag9346 17 วันที่ผ่านมา

    Hello may I olease have an email for you? I have dome questions and need help like last couple weeks lol please and thank you.

  • @electrodynamicorb6548
    @electrodynamicorb6548 18 วันที่ผ่านมา

    Unless you can buy it outright with no mortgage and house is a liability

    • @justinlopatin
      @justinlopatin 16 วันที่ผ่านมา

      And...? You can build with with a "liability" in case you didn't realize that. Everyone needs a place to live.

    • @electrodynamicorb6548
      @electrodynamicorb6548 16 วันที่ผ่านมา

      @@justinlopatin but too many are house poor

    • @justinlopatin
      @justinlopatin 15 วันที่ผ่านมา

      @@electrodynamicorb6548 40% of the country has NO mortgage. About 50% of current mortgage holders have a mortgage balance of 50% or less of their home's value. So they are sitting on $100k-$300k in home equity in many states.

    • @electrodynamicorb6548
      @electrodynamicorb6548 15 วันที่ผ่านมา

      @@justinlopatin not in my area. Those would be dilapidated shacks

  • @joshuaruesch2241
    @joshuaruesch2241 18 วันที่ผ่านมา

    You have to keep in mind too, that we are ten times bigger than most of those other countries, so it's not surprising at all that we have several cities included in that list.

  • @gorgeousnoxy481
    @gorgeousnoxy481 18 วันที่ผ่านมา

    New York City taxes also make the cost of living in New York insane. They have the highest tax rates in the country.

  • @anthonyhaubois3962
    @anthonyhaubois3962 18 วันที่ผ่านมา

    The ones on Switzerland are beautiful, clean, safe and have good infrastructure. That is NOT the case for US cities. You definitely don’t get what you pay for here

    • @swagGGshorts
      @swagGGshorts 18 วันที่ผ่านมา

      That’s the price you pay for living in the best country in the world, we are privileged nearly beyond belief

  • @AmanSS890
    @AmanSS890 20 วันที่ผ่านมา

    Cons hurricanes Don’t let the water and weather fool you …. Would rather take the snow

  • @flashanova
    @flashanova 20 วันที่ผ่านมา

    Gen be like: oh man😅

  • @danialdourte9250
    @danialdourte9250 20 วันที่ผ่านมา

    There are many details that are not mentioned here. Most lenders will only allow 80-85 percent loan to value. Also, debt to income may be too high to buy that 2nd home and the lender will need to see rent transactions to approve the next purchase

    • @justinlopatin
      @justinlopatin 15 วันที่ผ่านมา

      Both good points. You cannot borrow all of your equity.

  • @hoopdr3amz23
    @hoopdr3amz23 20 วันที่ผ่านมา

    Appreciate the knowledge trying 2 get another house here in CALIFORNIA #venturacounty & rent it out interest rates r crazy right now

    • @justinlopatin
      @justinlopatin 15 วันที่ผ่านมา

      Send me an email if you need help thinking it through justin@vybemortgage.com

  • @Plempy
    @Plempy 22 วันที่ผ่านมา

    Here’s a great way to make some extra cash! 1. Get a roommate…?

    • @justinlopatin
      @justinlopatin 15 วันที่ผ่านมา

      ....?

    • @Plempy
      @Plempy 15 วันที่ผ่านมา

      @@justinlopatinwoof, im saying this video is just “You can save money if you get a roommate! Here is a list of cities to do that in.”

    • @justinlopatin
      @justinlopatin 14 วันที่ผ่านมา

      @@Plempythe video briefly explains house hacking, and then lists the top 10 cities for buyers and investors per a recent study on rental properties. If that’s all you got from it… 👍

    • @Plempy
      @Plempy 14 วันที่ผ่านมา

      @@justinlopatin Sodium chloride mf

    • @Plempy
      @Plempy 13 วันที่ผ่านมา

      @@justinlopatin sodium chloride response

  • @dixonbuttes6564
    @dixonbuttes6564 25 วันที่ผ่านมา

    The chances that rental income will cover the payment plus all operating costs of a home rental with a $300k principal balance plus a $50k line of credit on a $400k market value is effectively zero. If you rent out a house under this advice, you’re going to pay out of pocket for every repair and NWT maintenance item. The advice only works under very specific market conditions where rents go super high in relation to value, which is only seen in boom/bust conditions. Show me the pro forma for this model, and I guarantee the numbers won’t add up. Great New Jersey used car salesman pitch, though … you almost had me until the advice piece. 🤣 Bad numbers only work for suckers and chumps. 👎👎

    • @DailyRants89
      @DailyRants89 6 วันที่ผ่านมา

      Of course you have to run the numbers to see if the rent would cover the mortgage and HELOC payment but it's sound advice if doable.

  • @АллаМаклак
    @АллаМаклак หลายเดือนก่อน

    What are the best strategies to protect my portfolio? I've heard that a downturn will devastate the financial market, so I'm concerned about my $200k stock portfolio.

    • @SiaukemLam
      @SiaukemLam หลายเดือนก่อน

      There are strategies that could be put in place for solid gains regardless of economy situation, but such execution is usually carried out by an investment specialist

    • @CodieSanchez-d6x
      @CodieSanchez-d6x หลายเดือนก่อน

      I've been in touch with a financial analyst ever since I started investing. Knowing today's culture The challenge is knowing when to purchase or sell when investing in trending stocks, which is pretty simple. On my portfolio, which has grown over $900k in a little over a year, my adviser chooses entry and exit orders.

    • @Benjamin-t9f5b
      @Benjamin-t9f5b หลายเดือนก่อน

      Mind if I ask you to recommend this particular coach you using their service? Seems you've figured it all out.

    • @CodieSanchez-d6x
      @CodieSanchez-d6x หลายเดือนก่อน

      My CFA NICOLE ANASTASIA PLUMLEE a renowned figure in her line of work. I recommend researching her credentials further... She has many years of experience and is a valuable resource for anyone looking to navigate the financial market..

    • @Benjamin-t9f5b
      @Benjamin-t9f5b หลายเดือนก่อน

      Thank you for the lead. I searched her up, and I have sent her an email. I hope she gets back to me soon.

  • @austingriner1565
    @austingriner1565 หลายเดือนก่อน

    None of those will work, because the builders are slowing down on building. because they're trying to hold out, hoping people will pay top dollar for these houses. When in actuality most normal people cannot afford a 400,000 starter home. And most of that is in land value. And that's not going down anytime soon

    • @justinlopatin
      @justinlopatin 28 วันที่ผ่านมา

      I see your point, however, there is a lot of new construction happening in many states: www.nationalmortgagenews.com/list/20-states-with-the-most-new-construction-approvals?NL_NMN_Daily_Briefing_09302024&position=1&campaignname=NL_NMN_Daily_Briefing_09302024&oly_enc_id=5801B0446078J6Y

  • @nycgamingsyndicate4175
    @nycgamingsyndicate4175 หลายเดือนก่อน

    ty for sharing

  • @noahw5282
    @noahw5282 หลายเดือนก่อน

    Of course, that's insane its as bad as the bank bailouts.

  • @kibirigevandross5174
    @kibirigevandross5174 หลายเดือนก่อน

    Your such a great teacher. I look forward to learning more from you. Do you offer classes.

    • @justinlopatin
      @justinlopatin หลายเดือนก่อน

      Just homebuyer and real estate classes.

    • @kibirigevandross5174
      @kibirigevandross5174 หลายเดือนก่อน

      @@justinlopatin how can I apply and join the classes .

    • @justinlopatin
      @justinlopatin 15 วันที่ผ่านมา

      @@kibirigevandross5174 keep an eye out, we will share the registration links for homebuyer classes here and on my IG page @justinlopatin

  • @Lover88382
    @Lover88382 หลายเดือนก่อน

    EXCELENT EXPLANATION WOW thank you!

    • @justinlopatin
      @justinlopatin หลายเดือนก่อน

      Glad it was helpful!

  • @rickcallison4825
    @rickcallison4825 หลายเดือนก่อน

    Fuck no

  • @juanleonardo3359
    @juanleonardo3359 หลายเดือนก่อน

    I think you’re broke

    • @justinlopatin
      @justinlopatin หลายเดือนก่อน

      Think again!

    • @juanleonardo3359
      @juanleonardo3359 29 วันที่ผ่านมา

      @@justinlopatin Don’t have to. I know you’re broke 😂 Prove me wrong with documents loser hah

  • @PassionShadows5
    @PassionShadows5 หลายเดือนก่อน

    Hell no no that’s insane a slap in the face to Americans.stimulis checks was bullshit compared to what they want to give the immigrants houses there’s over 65 thousand immigrants democrats suck

  • @ianmoriarty8066
    @ianmoriarty8066 หลายเดือนก่อน

    Ill burn my canadian documents and migrate to California get me a house!!!

  • @Whitestrakee
    @Whitestrakee หลายเดือนก่อน

    Maybe government housing we definitely shouldnt be paying for peoples mortgages

  • @benga69
    @benga69 หลายเดือนก่อน

    Bull sh..it. mid class barely making it and they giving priority for illigal imigrants? Come on

  • @Fitzinthetent
    @Fitzinthetent หลายเดือนก่อน

    Help immigrants when the American born citizens are no longer struggling to get by. Until then they shouldn’t get anything but a one way trip back to wherever they came from.

  • @Dave-lq2le
    @Dave-lq2le หลายเดือนก่อน

    You're right!! INSANE!!! SMH

  • @lifewithbeto1530
    @lifewithbeto1530 หลายเดือนก่อน

    That commie pretty 😊 boy-toy we have in office belongs in jail for treason or at least in Cuba 🇨🇺 with his daddy Miguel Diaz 💩👿

  • @duranmendez6360
    @duranmendez6360 หลายเดือนก่อน

    Hell no I just retired in my retirement check barely cover my mortgage I might have to go back to work

  • @RichmondGreencare
    @RichmondGreencare หลายเดือนก่อน

    Well he new he would not get that money from the government

  • @jgrant4736
    @jgrant4736 หลายเดือนก่อน

    Limits

  • @DeniseHash-i7x
    @DeniseHash-i7x หลายเดือนก่อน

    Democrats have ruined every avenue in sight.

  • @johnjenkins9202
    @johnjenkins9202 หลายเดือนก่อน

    Anybody helping these foreign Invaders should be charged with aiding and abetting the commitment of federal felony crimes. Pacifically the federal immigration law, Federal workplace law, federal tax laws. As ruled on by the supreme Court 6 years ago on an immigration case.

  • @karlkoehler341
    @karlkoehler341 หลายเดือนก่อน

    Trump will scare away immigrant workers. Deregulation leads to less safe houses, but the builders will pocket the profits. For housing, you have to start with parking minimums and zoning. Zoning because why can't that empty mall become housing ? And parking garages are expensive, even more empty, earthquake-proof ones. No panacea, but Trump is more 'concept of a plan' than a plan.

  • @Bebopvicious00
    @Bebopvicious00 หลายเดือนก่อน

    I think your missing something. You think....union construction is being done by illegals?!?! Come on bro...

  • @crowneddeath5161
    @crowneddeath5161 หลายเดือนก่อน

    Bro has no clue how the economy works, you know Kamala’s plan will just fuck it up more right?

  • @FredGayton
    @FredGayton หลายเดือนก่อน

    I prefer Trump because the only thing that you’re going to get out of Harris is more giggling and more promises. It’s gonna be so good, which is the same profile. Every Democrat for the last 50 years is made and there have been no good times. You have to interject a Republican into the system every so many years to keep communism out of our country. And it’s time to do that now.

  • @makerspace533
    @makerspace533 หลายเดือนก่อน

    The $25K will likely raise the price of every home by $25K. What will building 3 million cheap, low (or no) down payment houses do. It will raise mortgage interest rates do to lack of available mortgage funds and create slum neighborhoods bought up by investors. We have seen this happen in the past.

  • @susanstrong2221
    @susanstrong2221 หลายเดือนก่อน

    He's also going to prevent major corporations like Black Rock from buying family homes... did you not look into any of their plans cuz it's a clear choice, my taxes are raised in paying for people's student loan debts I don't need their mortgages on that list I have my own life to worry about

  • @tvoprosucks
    @tvoprosucks หลายเดือนก่อน

    THIS VIDEO HAS NOTHING, JUST LIKE KUMALA