The House Always Wins: Inside America's Mortgage Machine (Full)

Podcast: Solving America's Problems · Jerremy Alexander Newsome & Dave Conley

Opublikowano: 2026-09-03

More than half of Americans with a mortgage are locked in under 4%, freezing nearly two million home sales. JD Cobb has spent two decades closing loans in Texas, and his advice runs against the wait-and-see instinct: buy at today's price, refinance later. He takes Jerremy Alexander Newsome and Dave Conley through the whole machine — the four Cs, who really owns your note, the pay option ARMs he watched build the 2008 collapse, and the occupancy fraud no computer catches. He explains why self-employed borrowers get squeezed by their own write-offs and how insurance now kills approvals outright. He closes with th...