Want to know what’s really happening with mortgage rates in 2025? 🎯 This episode breaks down the Fed’s latest decision, why rate cuts are still off the table, and how this impacts Realtors, lenders, and buyers in today’s volatile market.
🎧 Episode Summary
Join Kendall Garrison, CEO of Amplify Credit Union, for a high-level breakdown of how the Federal Reserve, national debt, MBS markets, and tariffs are driving mortgage rate volatility in 2025. We dive deep into what these shifts mean for real estate professionals, and how to navigate this market with confidence and clarity.
✅ Key Takeaways for Realtors & Lenders:
Understand the Fed's Hold Strategy
Unlock the real reason the Fed isn’t cutting rates—and what that means for your clients in 2025.
Master the Mortgage-Backed Securities Game
MBS pricing is a mystery to many—this episode breaks it down simply so Realtors can guide buyers with confidence.
Debt, Tariffs, and the Bigger Picture
Discover how national debt and global policy are impacting mortgage pricing more than you think.
The Future of Homeownership & Banking
Kendall shares how fee-free banking and wealth-building through real estate go hand-in-hand.
🕒 Timestamps – Jump to the Topics That Matter:
00:14 – Guest Intro: Meet Kendall Garrison
03:18 – Fed Holds Rates: 2025 Market Implications
07:10 – Why the Market Disagrees With the Fed
10:42 – Global Economic Factors Driving Rates
14:28 – Mortgage-Backed Securities Explained
17:45 – The National Debt’s Hidden Cost
21:22 – Are High Rates Here to Stay?
24:50 – Risk Pricing & Credit Spreads in Lending
28:16 – How Tariffs Trickled Into Mortgage Rates
31:33 – Renting vs. Owning: Wealth Impact
35:01 – Helping Clients Thrive in High-Rate Markets
38:26 – Why Amplify CU Eliminated Bank Fees
42:17 – The Ethics of Consumer Banking
46:37 – Overdrafts, Wire Fees & Member Value
50:57 – Fee-Free Support for Local Business
52:56 – Final Advice & 2025 Market Outlook
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📚 Explore More Resources:
For more insights, tools, and past episodes, visit:
🎙️ Podcast Website: https://www.thetexasrealestateandfinancepodcast.com/
🏡 Mike Mills Mortgage Hub: https://linktr.ee/mikemillsmortgage
👤 Connect with Guest – Kendall Garrison
Title: CEO, Amplify Credit Union
🌐 Website: https://www.goamplify.com/
📧 Email: ceo@goamplify.com
🔗 LinkedIn: https://www.linkedin.com/in/kendallgarrison/
▶️ YouTube: https://www.youtube.com/@amplifycu
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