8-14-2023 – How Do Banks 'Price' Mortgages, and When Might Rates Go Down?
InvestTalk
Hosts Justin Klein & Luke Guerrero, CFA | Wealth Managers and Investment Advisors
4.4 • 1.5K Ratings
🗓️ 15 August 2023
⏱️ 47 minutes
🧾️ Download transcript
Summary
When banks are pricing a mortgage loan, they rely on a few factors: credit scores, the size of the loan compared with the appraised value of the property, and the interest rates in the economy.
Today's Stocks & Topics: Green Energy, Earnings Season, Oil Companies, PR - Permian Resources Corp., HE - Hawaiian Electric Industries Inc., FTNT - Fortinet Inc., Dividends and Taxes, Diversified Portfolio, SBAC - SBA Communications Corp., Debt-to-GDP, CD Laddering, MNST - Monster Beverage Corp.
Justin's PERSPECTIVE today looks at the topic of 'U.S. national debt' and puts the subject of debt-- that is lending and borrowing--against the backdrop of the practice as implemented over many centuries.
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Transcript
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| 0:00.0 | At a time, when investors are confronted with market volatility and a variety of challenges |
| 0:11.3 | fueled by the uncertainty of inflation, unsettled geopolitical tensions, and economic pressures, |
| 0:18.6 | Justin Klein and Steve Peasley stand ready to take your finance and investment questions |
| 0:23.8 | and share their unbiased answers. |
| 0:26.8 | This is Invest Talk, independent thinking, shared success. |
| 0:31.6 | Invest Talk is made possible by KPP Financial, a registered investment advisor firm serving |
| 0:37.6 | clients throughout the United States. |
| 0:40.9 | The clearing for your path forward starts now. |
| 0:45.2 | Here is KPP Chief Executive Officer, Financial Advisor, Justin Klein. |
| 0:52.6 | Good afternoon fellow investors and welcome back to Invest Talk. |
| 0:57.0 | This is our Monday, August 14, 2023 edition. |
| 0:59.8 | I am Justin Klein and I'm excited to start this week with you. |
| 1:04.1 | It's a new week and that means new opportunities and opportunities to maybe trim some of your |
| 1:10.0 | positions, to pick up different positions and most importantly, opportunity to just learn |
| 1:15.7 | more and gather knowledge to integrate into your investment process and that's what |
| 1:23.0 | we are here to help you with. |
| 1:26.8 | There's a lot of headlines that are always flying about and it's easy to get caught up |
| 1:33.6 | in the noise and our job is to filter out the noise and give you the signals that matter. |
| 1:43.8 | They may not matter today but they may matter months from now or even years from now but |
| 1:49.4 | we want to highlight what's important so that you can make smart decisions with your money |
| 1:57.3 | today and into the future. |
| 1:58.8 | This isn't about just getting that stock idea and making a purchase. |
... |
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