“Sometimes, someone unexpected comes into your life outta nowhere, makes your heart race, and changes you forever. We call those people cops. (Where did you think that was going?)” Lots of people want to know what to expect with interest rates and, surprisingly, pay some firms to predict the future. (Everyone out there is striving for business regardless of the direction of interest rates.) Here’s something for free: Morgan Stanley, for one, doesn’t see any Fed rate cuts until 2026. LOs can depend on interest rates for their livelihood: ongoing subdued mortgage originations are forcing mortgage brokers, and MLOs in general, to move beyond just agency originations to other loan products such as non-QM, home-equity, and investor financing. Such alternative offerings provide a lifeline to additional income avenues for originators. (Today’s podcast can be found here and this week’s podcasts are sponsored by Wholesale Mortgage Direct (WMD), whose mission is to deliver high demand, innovative products unique to the wholesale industry, including MyEQNow, which is one-of-a-kind TraDigital HELOC platform. WMD is your trusted partner for innovative HELOC, NonQM and/or Reverse options. Interview with ABL’s Kevin Rodman on how hard money lending has evolved, what innovations are shaping the future, and why private capital is gaining ground in today’s high-rate, high-stakes real estate market.) Products, Services, and Software for Lenders and Brokers “Your AI Command Center for HELOCs! NFTYDoor just launched its most powerful platform yet: an AI-powered HELOC experience built to help you move faster, communicate smarter, and scale with ease. 1-Minute Application: Whether it’s you or your borrower, get instant PreQual results… Some “Fast Pass” loans close in as little as same day. Built-In Chat + SMS. No more email chains. Instantly message our team or your borrower: everything in one place. Designed to Scale: Add your assistant, customize your notifications, and streamline how you manage your pipeline. This isn’t just a LOS. It’s your all-in-one task manager, communication hub, and real-time visibility engine. Built with transparency. Designed for maximum conversion. Now live on NFTYDoor: digital HELOCs made fast, simple, and profitable. Want to see it in action? Register for our live demo THIS Wednesday at 1pm ET.”