Jon Kutsmeda, Honolulu, HI Videos

Refinance Risk - Mortgage Rate Trap Warning
BEWARE ... the mortgage RATE TRAP. Now that mortgage rates are trending lower HOMEOWNERS need to be on ALERT. There are a lot of hungry loan originators who have not been fed in a long time. Here is how to AVOID being their prey when you REFINANCE. 𝗙𝗶𝗿𝘀𝘁 ... 𝗿𝗲𝗮𝗹𝗶𝘇𝗲 𝘁𝗵𝗮𝘁 𝗹𝗼𝘄𝗲𝗿 𝗿𝗮𝘁𝗲𝘀 𝗗𝗢 𝗡𝗢𝗧 𝗮𝗹𝘄𝗮𝘆𝘀 𝗺𝗲𝗮𝗻 𝗮 𝗯𝗲𝘁𝘁𝗲𝗿 𝗹𝗼𝗮𝗻. Next ... watch this video. Jon Kutsmeda shows in real-time how https://LendZen.com helps you avoid “rate bait” and the REFINANCE RISK of choosing a loan with zero benefit (even if it has a lower rate). #realestate #realestatetips #howtoinvestinrealestate #realestateinvesting #realestateinvestingforbeginners #realestateagent #realestateinvestor #mortgage #mortgagetips #mortgagerates #jonkutsmeda #lendzen #refinance #refinancemortgage #debtfree #financialfreedom #financialeducation

In this 90 second video I explain: • Why the recent Fed rate hike will likely be their last. • Why mortgage rates are now the lowest since September 2022. The Fed has hiked their overnight lending rate 8 times in less than a year, but what matters most is how the bond market has responded. WATCH THE VIDEO TO LEARN: 1) The one thing that has always triggered the end to a Fed rate hiking cycle 2) Why it happens EVERYTIME, and 3) What to expect next for mortgage rates and the US economy. . . . . #housing #housingmarket #realestate #realestateinvesting #realestateagent #realtor #thefed #ratehikes #ratehike #interestrates #interestingfacts #mortgage #mortgagetips #mortgagerates #refinance #economy #economics #moneytips #investing #househacking #houseflip #stocks #stockmarket #marketcrash #housingcrisis #debt #recession #inverted #invertedyieldcurve #fedratehike

HELOC - 7 THINGS TO KNOW Before you get HELOC listen to this video. I share 7 things most homeowners don’t know about a HELOC - Home Equity Line of Credit. This type of loan usually has adjustable rates which are highly sensitive to Fed rate decisions. Since March 2022 the Federal Reserve has raised their overnight lending rate more than 4%. This is one of the fastest rate hiking cycles in history. This is bad news if you have a HELOC. However, during rare hiking cycles “conforming” FIXED rate mortgages actually decline. Although these types of mortgage rates also rose quickly in 2022, this was because of inflation data, not because of the Fed. Conforming mortgage rates have already started to decline in 2023 to the lowest level in 4-months. HELOC rates continue to climb along with the Fed Funds Rate. Watch this video to learn the 7 things you need to know before getting a HELOC (or refinancing). Meanwhile, to learn why confirming FIXED rate mortgages are about to decline quickly, and how you can take be positioned to advantage of when the BIG RATE DROP happens, visit … http://BigRateDrop.com (link also in my bio) . . . . . . #heloc #refinance #cashback #payoffdebt #debtconsolidation #debtfree #debtfreecommunity #sweepstrategies #homerenovation #homeremodel #realestate #realestateagent #realtor #realestateinvesting #realestateinvestor #homebuyingtips #homebuyertips #mortgagetips #mortgagebroker #mortgagerates

The TRUTH about FED RATE HIKES … and why mortgage rates have been so high. Good news is the worst for mortgage rates appears to be behind us. The December CPI (Consumer Price Index) data is released on Thursday. The CPI is a measure of inflation and as I explain in this video INFLATION is the real reason WHY mortgage rates have been the highest in decades. However, if inflation continues to slow, which the data suggests, then a massive bond rally could be on the horizon. Because mortgage bonds dictate mortgage rates (NOT THE FED) then a big rally in bonds, means much lower mortgage rates. Will inflation and mortgage rates fall fast enough to save the housing market from further declines? Follow me @jonkutsmeda and stay tuned for my next videos to find out… . . . . . . . . #realestate #realestateinvesting #realestateinvestor #realestatelife #realestateagent #realtor #mortgage #mortgagebroker #mortgagetips #mortgagerates #refinance #ratequote #lowerpayment #homerenovation #homerenovationideas #cashflow #fixandflip #commercialrealestate #luxurylifestyle #luxuryhome #luxuryhomes #luxloans

Before 2023 takes off and gets ahead of us, we need to look back and make sure we truly understand what happened last year. The financial markets the last years have been wildly unpredictable … at least for most people. Last year was the worst in 40-years for many asset classes, and the pain is likely to keep coming in 2023. However, in order to prosper going forward we need to first look back and truly understand what happened in 2022. At the end of the year I compiled a 5 Part financial markets YEAR IN REVIEW. In this brief video I explain: - What you learn in each part - Where to find it (JKUTS.com) - Why you need to watch my next videos So, after you are done watching this video, go check out my FREE financial markets “Year in Review”. . . . . . . #housing #housingmarket #housingcrisis #realestate #realestateinvesting #realtor #realestateagent #homebuyingtips #homebuying #refinance #mortgage #mortgagebroker #mortgagerates #mortgages #debtfree #debt #payoffdebt #payoffmortgage #financialfreedom #financialmarkets #investing #investingtips #stocks #stockmarket #yearinreview #recap2022

In this clip I share my thoughts on the housing market, and whether housing has bottomed or if recent price declines are just the beginning. What are your thoughts on what is in store for the real estate market in 2023? . . A quick note about this clip: In addition to my own YouTube channel and personal podcasts (Mortgage Guru and Money MBA) … I also have the pleasure of chatting each week with Brent Johnson of the famed hedge fund Santiago Capital. Brent is most known for his gift for simplifying his investment ideas with story based analogies. Hence the name of our show “Milkshakes Markets Madness”. The milkshake part refers to Brent’s “Dollar Milkshake Theory” which has been his trademark way of describing the role of the US Dollar in the global financial system. The name is referring to the popular “I drink your milkshake” scene from the movie “There Will Be Blood”. There is a more detailed explanation on the show website at http://MilkshakesPod.com . . . . . . . #realestate #housing #housingmarket #homebuyertips #homebuying #homebuyingtips #realtor #realestateagent #realestateinvesting #housingcrash #flipping #houseflipping #houseforsale #mortgagerates #mortgagebroker #mortgagebrokers #interestrates #refinance #debtfree #financialfreedom

Happy New Year! Here is some quick advice to help you have a positive, productive, and successful 2023. #dadjokes

🚨I BET YOU DIDN’T KNOW 🤯 I recently pulled back the curtain on the FACT that The Federal Reserve (The Fed) does not directly impact mortgage rates when they raise their benchmark Fed Funds Rate. It is wild to see how many people actually believed the Fed had some type of omnipotent monetary power that they could wield with a flick of switch and change interest rates everywhere. NOPE. . . Now that I shined light on what really happens when the Fed raises the Fed Funds, I want expose some more TRUTH. In this video I explain how mortgage rates DO NOT rise or fall. Instead what actually happens is all mortgage rates become either more expensive or cheaper. This is because mortgage rates, and their price, are derived from specific mortgage bond coupons. Depending on a number of factors, bond investors will buy or sell certain coupons based on their price and yield (rate). This liquidity, or capital in flow, to certain bonds is what makes mortgage rates more expensive or cheaper. Technically, any rate you want is available at any given time, it is just a matter of what you are willing to pay for that rate … or said differently, what the bond market is willing to pay. . . Listen in to this video to learn more. Be sure to share with family, friends, or anyone in the real estate industry. Let me know your questions in the comments. . . . . . . #mortgagetips #mortgagerates #mortgagebroker #mortgagelender #loanofficer #truthaboutmortgagerates #explainervideo #money #moneytips #financialfreedom #financialeducation #realestate #realestateagent #realestateinvesting #realtor #commercialrealestate #realestateinvesting #fixandflip #luxuryhomes #luxuryhome #dreamhome #homerenovation #homeremodel #refinance #interestrates #homebuyertips

HOUSING HEADED FOR A DIP? Each week on the Mortgage Guru Podcast I help you to look under the hood of the housing market to make sense of the economic factors which drive home prices and mortgage rates so you can make more sound financial decisions. . . With the impact of 40-year high inflation potentially in the rearview mirror, in this clip I discuss the looming risks of recession for the housing market and why this means mortgage rates could be headed for a sharp decline. . . Listen to the full episode on YouTube or on your favorite podcast player. More information can be found on the link in my bio. . . . . . #housing #homedesign #homebuying #homebuyingtips #realtor #realestate #housingcrisis #housingcrash #realestateinvesting #realestateinvestor #hardmoney #hardmoneylender #hardmoneyloans #luxloans #recession #mortgagerates #mortgagelender #mortgagebroker #refinance #interestrates #lowermybills #downpaymentassistance #investingtips #wealthbuilding #cashflow #fixandflip

Do NOT Try This at Home - Wheels Coming Off the US Economy
Today US GDP was reported as negative for Q1 2022. Recession is defined as two consecutive negative quarters of economic growth. The economic data is getting worse, not better, so explain to me how Q2 GDP will somehow magically be positive. This puts the US in recession before autumn 2022. Meanwhile, the Fed will try navigating a “soft landing” by hiking 50 - 75 basis points (0.50 - 0.75%) multiple times into a contracting economy. . . The Fed is like the man in the video, telling the consumer “don’t try this sh!t at home” with a silly arrogance that makes you want to laugh - not because it’s funny, but because the state of things actually make you want to cry. . . Central Bankers are historically good at creating bubbles and causing recessions. They are so good at it you can’t help but wonder if that’s actually their intention. History certainly supports the argument, but with inflation at 40-year highs and asset bubbles everywhere you look, the Fed, regardless their true motives, is backed into a corner. Raising rates into a contracting economy, one that is a few months from a confirmed recession, is definitely not something for the faint of heart. . . Fed Chair Jerome Powell, with the US economy turning the corner into Q2 and the wheels coming off the track, the jokes on you now but no one is laughing.

Dancing Birds in Flight Celebrate Easter. Passover. Ramadan.
Happy Sunday. Happy Easter. Happy Passover. Happy Ramadan. Whatever it is that brings you together today, brings you joy, brings you peace - I wish you a happy one.

YOU ARE BEING WATCHED
This past week John McAfee, creator of the McAfee antivirus software, was found dead in his Spanish prison cell from a suspected suicide after earlier news was announced that he would be extradited to the US. . . To some he lived a questionable lifestyle that seemed to catch up with him in the end. . However, I did appreciate some of his Libertarian views, and the emphasis on self-sovereignty. . . McAfee previously joined me on my "Money MBA Podcast", where he shared some of his thoughts on privacy and government surveillance. . Here is a clip from that conversation. . Visit https://MoneyMBA.com for the full interview. . . . . . . #mcafee #johnmcafee #antivirus #cybersecurity #privacy #surveillance #government #libertarian #conspiracy #conspiracytheory #freedom #sovereign #sovereignty #sovereignman #tax #taxationistheft #crypto #cryptocurrency #bitcoin #ethereum #scam #dogecoin #dogecointothemoon #podcast