Mortgage Monday | Refinance Options | Episode 96

The David Greene Show

David Greene

Entrepreneurship, Business

5 • 653 Ratings

🗓️ 10 November 2025

⏱️ 27 minutes

🔗️ Recording | iTunes | RSS

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Summary

In today’s episode David and Christian cover an article that explains how refinances are up 81% from this time a year ago, yet housing sales are basically still flatlined. They cover where rates are, why they have been falling, and who should consider refinancing right now. In this episode you’ll learn about the different refinance options available and also what you can do to pay your mortgage off significantly faster if you want to build equity faster. The show is full of finance diamonds you have likely never heard of, how to use them, and options to pay loans off faster you’ve never heard of. Much of this content comes from the book Better Than Cash Flow: The Ten Ways You Make Money in Real Estate, as David and Christian bring up real world examples of how to put the information to use in a practical way. Download today! Chapters 00:00 The Future of Digital Currency 01:47 Understanding Refinancing and Its Types 05:32 Refinancing Strategies and Hacks 07:34 Market Trends: Refinancing vs. Buying 08:19 Conforming Loan Limits and Their Impact 11:11 Communication with Lenders: A Key to Success 12:19 Current Mortgage Rates and Refinance Applications 15:03 Why Refinance Applications Are Rising 17:12 Options for Refinancing Without Resetting Terms 19:11 The Benefits of Flexible Payment Strategies 22:22 Understanding Loan Recasting 26:12 Maximizing Cash Flow Through Strategic Payments Subscribe to The David Greene Show! Apple: https://podcasts.apple.com/us/podcast... Spotify: https://open.spotify.com/show/5Nu6kCJ... Follow David: @DavidGreene DavidGreene24.com RealTalkRealEstate.com Podcast-The David Greene Show Spotify, Apple Podcasts Book a session with David: [email protected] Ask a Question: DavidGreene24.com/ask Find me on the “minnect” app Real Estate University: SpartanLeague.com Join my Free Newsletter: Davidgreene24.com/textletter Finance Your Real Estate TheOneBrokerage.com Intake@TheOneBrokerage @theonebrokerage Free Textletter DavidGreene24.com/join STR Management [email protected] Investor Retreat DavidGreene24.com/retreat

Transcript

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0:00.0	What's going on, everyone? Welcome to Real Talk, Real Estate. It's Monday, and you know what that means.
0:06.6	Mortgage Monday with the handsome and debonair Christian Bachelter. I know you guys were all curious.
0:12.7	Would he have his hair done? Would he be in James Dean mode? Would he look like the mortgage Messiah?
0:17.1	Well, today he's got the hat backwards and the gold chain. You're looking like a Guido Christian.
0:22.2	What inspired this look?
0:24.2	Of course, New Jersey.
0:26.2	New Jersey.
0:27.3	That's right.
0:30.0	Well, I'm in a good mood today, and I think anybody listening to this will be as well, because rates are down. Finally, some good news for real estate and we've
0:41.1	got some articles that we're going to cover. So let's get into it. First up, refinance demand is 81%
0:48.7	higher than it was a year ago. Thanks to falling mortgage rates. Christian, do you mind just before we get into the
0:55.2	article explaining what a refinance is and what the types of refinances there are? Yeah, refinance
1:01.3	replacing one loan with another. There's two main ways you go about that. One is called a rate term refinance. For instance, if you're sitting at a seven and a half or higher percent right now, first and foremost, I recommend you call this. You can get a lot of shame about that rate right now. Where can they go if they do want to do that? If someone's hearing this, I don't want you to lose out on this money. If you're at, what rate should they be at and where should they go if they should
1:28.5	retire?
1:28.7	No matter what loan product you're on, if you're above seven and a half, you should call us. There's some situations where if you're really bad FICO and things like that, but if you're above seven and a half cost, if you have a primary residence above seven, you should call us. you can get a significant amount of money shaved off your interest rates if you're in that bucket.
1:45.5	So you can get it, what's money shaved off your interest rates if you're in
1:44.6	that bucket. So you can get, what's the phone number? Do you have it? For the one brokerage? Absolutely. I will look that up right now and you give them your email. Yeah. So if you want to reach out to me directly, Christian just spelled as my name. We'll put it down in the caption as well, but Christian at the one brokerage.com is where you can get me directly.
2:03.2	And if you want to call into the company,
2:05.6	you can call us at 805-428-9620.
2:12.6	That's 805-4-28-96-20 if you have any mortgage above seven and a half or more specifically a primary residence over seven.
2:21.9	If you're in either of those two categories, we can shave off quite a bit of your monthly payment with where rates are currently down in the low sixes.
2:28.5	All right. Now, there are several different kinds of refinances. Give a breakdown of what they are and how people use them.
	...

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