Mortgage Rate Drops Are Coming: How to Prepare Today

Real Estate Rookie

BiggerPockets

How To, Education, Business, Investing, Entrepreneurship

4.8 • 1.7K Ratings

🗓️ 16 July 2025

⏱️ 42 minutes

🔗️ Recording | iTunes | RSS

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Summary

Looking to buy a rental property in the next 12 months or so? The housing market is shifting fast, and today’s guest has some major insights on what’s changing in the lending space. Whether you’re actively trying to find the right loan or holding out for lower mortgage rates, you won’t want to miss this episode! Welcome back to the Real Estate Rookie podcast! Today, we’re joined by mortgage expert Jeff Welgan for a masterclass on what rookies should be doing when getting a mortgage for their investment property. Jeff’s optimistic about the lending opportunities that could be on the horizon for real estate investors, but he’s also seen plenty of deal-killing mistakes. Want to make sure you get the best real estate financing? Then stay tuned! Along the way, Jeff will share his biggest lending predictions for the next year, the best types of loans to consider in 2025, and crucial advice for new investors as they’re starting their investing journey. He’ll also tell you why buying mortgage points could be a bad idea and when to start working with a lender during the property-buying process. In This Episode We Cover How to choose the right type of financing for your investment property Why you shouldn’t wait for interest rates to drop before buying your next property The best loan products investors are using today (and where to find them!) How potential rate drops could impact buyer demand and home prices How to find the best mortgage lender for your next real estate deal And So Much More! Check out more resources from this show on ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠BiggerPockets.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.biggerpockets.com/blog/rookie-588 Interested in learning more about today’s sponsors or becoming a BiggerPockets partner yourself? Email ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠[email protected]⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Learn more about your ad choices. Visit megaphone.fm/adchoices

Transcript

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0:00.0	Today's guest is breaking down exactly what's changing in the real estate lending landscape this
0:05.5	year. If you're planning to invest, missing this could cost you.
0:09.6	Today we're joined by Jeff Welgin, lending expert and the guy who's helped me fund
0:13.1	probably half of my portfolio. So he's here to tell you how to navigate the shifting
0:16.8	market to find the perfect loan.
0:24.2	This is the Real Estate Rookie Podcast.
0:26.5	I'm Ashley Care.
0:27.6	And I'm Tony J.R. Robinson, and let's give a big warm welcome to Jeff.
0:30.9	Jeff, thank you for joining us to get on the Real Estate Rookie Podcast.
0:33.1	Yeah, thanks, guys.
0:33.8	Thanks for having me back.
0:34.7	Jeff, let's jump right into your predictions. So let's put you on the
0:39.3	spot here. What is your prediction for the lending environment for the rest of 2025?
0:44.9	Just jumping straight head first into the deep end of the pool, aren't we? So this is always the
0:50.5	million dollar question. I mean, it's, I get this all the time. Everybody wants to know
0:54.4	when, you know, the date and time rates are coming down. And when should I put my mortgage application
1:00.2	in? I don't know. A single economist that's been right up to this point. So, you know, it's all
1:05.4	the forecasts have gone out the window. They've changed repeatedly over the last few years. But
1:09.9	I can say with a, you know,
1:13.4	educated guests at this point, it was some level of certainty that I think we're getting
1:18.4	closer to the end of this current cycle. I mean, this has been going on for far too long at this
1:23.9	point. And we, I think as we continue to move forward through this year,
	...

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