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#23 – Ken McKee – Rate Cut Finally Arrives: What It Means for Your Mortgage and Future
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Home loans/mortgages may not be a sexy topic, but it has been on many American people’s minds lately, especially for the Millennials and Gen Z generations. Since rates went up, starting in 2022, hundreds of thousands of loan officers left the industry. Dozens of offices in the Sacramento region closed down. The refinance industry became non-existent. But there were a few mortgage companies that survived and continue to thrive.
Ken McKee is a Sacramento CA-based mortgage originator ranked among the top 1% in the nation. In this video he reveals how he was able to persevere and how his team can close loans in as little as 9 days—while the industry standard is 30 days! He was able to build strong relationships with Sacramento real estate agents and brokers throughout his tenure in the mortgage industry and provides exceptional service.
In this episode, we dive into key challenges for first-time homebuyers, why home buyers are now making larger down payments when buying a home, and what you need to know about current mortgage rates. Plus, Ken shares insights on the future of real estate, creative financing options, and how AI is reshaping the mortgage industry. Whether you’re buying your first home or looking to refinance, this episode provides practical tips to navigate today’s market. If you are in Sacramento or moving to Sacramento, Ken and his team are a great resource for you.
Connect with Ken McKee
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1. Intro (00:00:00)
2. Can You Really Close a Loan in 9 Days? (00:01:30)
3. How Rising Down Payments Are Affecting Homebuyers (00:03:45)
4. Why 600,000 Loan Officers Left the Industry (00:06:30)
5. The Impact of Fed Rate Changes on Mortgages (00:09:50)
6. What First-Time Homebuyers Need to Know (00:12:20)
7. Creative Financing: Down Payment Assistance and House Hacking (00:15:40)
8. Why Ken Prefers Not to Recommend Zero-Down Programs (00:19:00)
9. The Future of Mortgage Rates and What to Expect (00:22:45)
10. AI’s Role in the Mortgage Industry (00:26:15)
11. The Importance of Building Client Relationships in Real Estate (00:29:30)
12. How Ken’s Team Prepares for Lightning-Fast Closings (00:33:00)
13. Common Pitfalls in the Homebuying Process (00:36:50)
14. Ken’s Advice for New Homebuyers in a Competitive Market (00:40:10)
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