Rates, and PMI Cancelled? I Read the New Housing Order | Monday Moves
Rates were 7.24% on Freddie Mac's survey, the PMI order changes nothing yet, and the UAD 3.6 deadline hit. Plus a Shasta County down payment program.
Watch and readMortgage questions, explained.
Videos from Chris Lamm on buying, borrowing and planning your next move. Find a topic, watch the conversation and explore the related programs.
30 videos • Newest first
New appraisal rules start Nov 2, Fed week, free AI class | Monday Moves Oct 26, 2026
Fed week and big tech earnings, why UAD appraisal changes worry Chris, and two equity products: a fast-closing HELOC and a fixed rate second.
Watch and read
Rates parked at 7.40%, free AI class Thursday | Monday Market Update Oct 19, 2026
Mortgage rates were parked near 7.40% on Oct 19, 2026 after a five to six week climb. Chris also covers a CDFI loan for hard-to-document income.
Watch and read
Rates Crashing the Market? October 2026 Market Update (Redding & Shasta County)
Rates climbed for weeks to about 7.4%. Chris breaks down the buyer's market in Redding and Shasta County and what buyers and homeowners can do.
Watch and read
Housing Market Update: Is the 'Move Act' Actually Going to Help?
Rates hit a one-year high in the high sixes, but Redding is flat, not crashing. Chris runs the payment math and covers the Move Act and Vantage Score.
Watch and read
Rates Hit a 1-Year High, Then Everything Changed | July Market Update
Rates touched a one-year high just under 6.75%, then inflation fell. Chris also covers California ADU financing changes, lock alerts, and a new VA program.
Watch and read
Buydowns are back! Iran Cease Fire?
Rates climbed for weeks, then rallied on Iran ceasefire news and lower oil. Chris explains why buydowns are back and what to watch in May 2026.
Watch and read
Housing Market Update: Rates, Inventory, and Your Next Move
Rates dipped below 6% for the first time in about three years, then rebounded a quarter point. Chris on affordability, inventory and spring 2026.
Watch and read
How to Buy a House in 2026
Rates fell to 6.15% in January 2026, a 15-month low. Chris's three-part plan for buying: stop waiting, win with the seller, and train for the payment.
Watch and read
2026 Housing Market Outlook: What Experts Predict for Home Prices & Mortgage Rates
Rates near 6.25% to 6.3% in December 2025 and forecasts of modest price growth. Chris explains why he expects a stronger 2026 housing market, not a crash.
Watch and read
The Window Buyers Have Been Waiting For?
After the Fed paused and a weak jobs report, Chris explains why buyers should not wait for a cliff and why sellers need realistic prices as listings rise.
Watch and read
New Credit Score Rules, Powell Resignation Rumors & Rising Inventory |July ‘25 Housing Market Update
Vantage Score 4.0 opens a new path for lenders, plus Fed chair rumors and rising inventory. Chris on what buyers and sellers should do in July 2025.
Watch and read
The Housing Market Just Flipped- Here's What No One's Saying
Inventory is up and builders are offering big incentives, but Chris says it is not a crash. Advice for Redding-area sellers and buyers in mid-2025.
Watch and read
Timing The Market Fails
Sellers are cutting deals not seen in years and the table is set for lower rates, but Chris says timing the market fails. A May 2025 look.
Watch and read
Tariffs Destroyed the Spring Housing Market
Tariff headlines whipsawed mortgage rates in April 2025. Chris on regional price differences and how to position for spring.
Watch and read
2025 Market Predictions: Trump’s Impact on Rates & Inflation
Mortgage rates versus the Fed rate, why many markets reached a neutral market in early 2025, and a buy-before-you-sell bridge loan for move-up buyers.
Watch and read
How To Save For A House Faster (in 2025)
Five simple steps to save for a down payment faster: set your goal, make saving a priority, track spending, automate it, and practice the new payment.
Watch and read
Are Home Prices Dropping? (LA Fires, Insurance, & Interest Rates)
How the LA fires could affect California homeowners insurance, where rates may head in 2025, and why Chris says to judge home prices year over year.
Watch and read
Can You ACTUALLY Afford That House? 28 - 36 Rule Explained 🏡
What the 28/36 rule means, why many borrowers qualify above it, and the question Chris says to ask your lender before stretching your debt-to-income ratio.
Watch and read
Realtor vs Mortgage Lender (First Time Home Buyer's Guide)
Should you call a realtor or a mortgage lender first? Chris explains what each does for a first-time buyer, and why it matters less who you call first.
Watch and read
How to Buy a House with 0% Down (2025) | Mortgage Lender Tips & Secrets
Yes, you can buy a house with zero down in 2025. Chris covers down payment programs, VA, USDA, the tradeoffs of low-down loans, and who counts as first-time.
Watch and read
Your Guide to Generational Wealth | How to protect and pass down wealth 💰
Chris on building and protecting generational wealth: why planning ahead matters, avoiding probate, life insurance, and how to talk to your kids about money.
Watch and read
What To Expect in 2025 (Housing Market Update)
What to expect in 2025: why Chris thinks rates fall slowly, what could lower them, and why timing the market is a losing bet for most families.
Watch and read
The American Dream... (2025 Trump Predictions)
Why 2024 was one of the least affordable housing markets on record: higher rates from inflation and too few homes for sale. A short explanation from Chris.
Watch and read
COVID Made The Wealth Gap WORSE
Buy assets, get rid of debt, and make decisions that protect your family no matter who is in office. A short clip from a conversation with Chris.
Watch and read
You Can Expect These Mortgage Rates in 2025 📈
Why mortgage rates do not follow the Fed rate, what would bring them down in 2025, and what to watch: interest rates and inventory. A short update from Chris.
Watch and read
Democrats vs Republicans: Housing Market Policy
Chris explains why he supports higher density housing, including accessory dwelling units, as a way to add rentals, income, jobs and construction.
Watch and read
Biden's Impact on High Inflation
Chris explains how pandemic-era stimulus and record-low rates fed into the inflation that followed, and why he says there is no free lunch.
Watch and read
How will Trump change the Housing Market? 2025 Predictions with Fabiano Altamura
Chris and Fabiano Altamura discuss why housing supply, not just rates, is the core problem and what policies on either side might do to building costs.
Watch and read
We don't talk about money enough with Kris Vallotton
A short conversation with Kris Vallotton on why we do not talk about money enough, and why chasing riches does not solve our problems.
Watch and read