EP197 - What The FED Just Said About The Future Of Mortgage Interest Rates

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Unless you've been hiding under
a rock, you know that the market

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has been pricing in a December
rate cut.

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But here's the thing, the Fed
just pumped the brakes.

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The latest meeting minutes
released November 19th show a

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divided committee, rising
inflation concerns, and growing

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hesitation about easing too
early.

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Meanwhile, Fed speakers across
the country are weighing in

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daily, and not all of them
agree.

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So the question is, what's
really going on with rates and

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what does that mean for
homebuyers trying to plan for

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2026?
In today's episode, we're

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unpacking the Fed's actual
words, not the headline, so that

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you can understand what's
happening, why it matters, and

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how to make smart decisions no
matter what Powell does next.

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So we've, we've been talking a
bunch, Jeb, about the lack of

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data for the last 40-5 days
government shutdown.

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All of the government data,
which is the gold standard data

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has been unavailable.
We've had some private data and

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some new reports that have
sprung up to kind of fill in in

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the gaps that will be very
valuable and good for us going

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forward.
But in the absence of data, and

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it just so happened that we had
a Fed meeting, then the shutdown

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and then we're now heading into
another Fed meeting.

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So we have that absence of data
and the only thing we have to go

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off of is what the Fed speakers
are going to talk about.

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So hence today's topic is what
what's the Fed telling us about

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the future of interest rates?
Not that they have a perfect

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crystal ball, not that they are
going to dictate.

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We've talked about the Fed rate
changes don't directly impact

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mortgage rates, but there's a
very, very high correlation over

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time.
So from that we got some

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information yesterday which is
very important and very

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insightful in the Fed minutes.
So we also have over the last

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two weeks every voting fed
member and board members that

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are non voting right now has
been out talking.

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So let's take it chronologically
Jeb and start with the minutes

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that were released on the 19th
and just give you a broad

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overview.
So the consensus was that

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further cuts are going to be
likely over time.

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So that's what everyone kind of
thinks and agrees and didn't

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disagree too much.
Many, several said that the

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December cut would not be
appropriate.

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Well, at that time at the
meeting, the Fed before that

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they came out announced.
So prior to the announcement,

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prior to Fed, Powell's press
conference, we're like a 98%

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chance that they were going to
cut.

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So that's surprising, right?
It's confirmation based off of

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what Powell said, how he
answered questions and how

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they've all spoken since then.
But we're thinking that we might

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not get a cut.
Many are saying keeping rates

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flat for the rest of 2025, which
is not a big deal because we

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have about 40 days left in 2025
and one more Fed meeting.

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So it's a giant nothing.
It's basically saying, hey, we

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would we would like to stay out
of the game for the rest of the

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year.
Most of them thought the October

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cut was the right move, but some
could have supported no change.

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So wasn't unanimous, but no one
was really pushing back too hard

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on that cut that we got.
They have an emerging concern.

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Just stock market volatility
today as we're recording.

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We saw that that stock market
was up most of the day and sold

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off hard at the end of the day
and especially concerns and

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worries about an AI bubble.
So the, the Fed, Jeb is not

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responsible for the stock
market.

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It's not part of their mandate.
It's full employment and and

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price stability.
So it's interesting to hear that

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they're even taking that into
account.

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They were unanimous on this
ending of the quantitative

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tightening, which should be good
for interest rates.

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We see more and more, I have a
very, very bearish person who

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I'm on their news list, a
financial advisor and every

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person that he quotes, they are
really, really concerned that

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we're heading back to QE.
And these are smart people.

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So we probably need to dig dig
into that in the future.

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But the last piece of it really
that was important here was that

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they upgraded the GDP outlook
through 2028.

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So through the next three years,
they're expecting GDP to stay

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higher than what they had
previously thought.

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So stronger economy generally
doesn't mean lower interest

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rates.
All right, if you can give me 30

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seconds of your time.
First, we want to say thank you.

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When we started this show, it

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was just two guys talking real
estate and mortgage stuff, and

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we had no idea it would grow
into this.

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The truth is we never to being
here, and yet here we are, and

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So thank you again.
We appreciate you being here and

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we're excited for what's ahead.
So what's your take on on what

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we learned from from their Fed
notes or meeting minutes

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yesterday?
The thing I've said over the

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last couple of years and I think
is important to note as anybody

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out there watching is that the
Fed is is been very transparent

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in, in what they want the market
to believe is going to happen,

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right.
So there's this belief that hey,

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you know, you know the Fed
operates secretly and whatever

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they do as a surprise to the
market.

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And we know that's not true,
right.

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A lot of what they're what they
are going to release or what we

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believe is going to happen has
already been priced in many,

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many times.
And we've seen that in the fact

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that the 10 year typically moves
ahead of of the market movement.

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You know, we've seen the 10 year
down quite a bit this year and

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then you know, it's it's been
followed by some volatility in

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the market with with Fed members
coming out and saying, hey,

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listen, that was not exactly
what we as Fed members have been

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thinking.
We actually don't necessarily

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agree with the December cut.
We don't necessarily agree, you

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know, are all on the same page
that this is going to happen.

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And that's happened more
recently and we've seen the

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market kind of pull back a
little bit, nothing crazy, but

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we saw interest rates heading
towards 6% for a good portion

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there and then kind of pulled
back a little bit 6 and a

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quarter six and 3/8.
And we've been kind of sitting

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there.
And then more recently, since

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data has been frozen and, and,
or paused to some degree, it's

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been more of that.
And it's almost like the Fed.

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And, and this is not me saying
this because I'm, I'm that

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smart.
It's because I'm reading and,

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and listening to other people
who are a lot smarter than me

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saying, hey, listen, this might
be something to pay attention

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to.
If the Fed is all coming out and

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saying this information now,
maybe it's their, you know,

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belief to, to just try to get it
out there to the market that,

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hey, listen, you shouldn't be
expecting this to actually

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happen on December.
And we're kind of all in

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agreeance here without telling
you that.

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And so with that said, Josh, I
think that there's a high

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likelihood that we kind of stay
status quo for the remainder of

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the year.
And what, what do I mean by

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that?
I, I think that, you know, we've

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been sitting in this three, you
know, 6 and a 5:45 and three

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eight, 6 1/2 range for, you
know, the better part of two

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months.
And I think there's a high

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likelihood that that's probably
where we stay for the remainder

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of 2025.
We're starting to get some more

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data released, right?
We're, we're now in the, the

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operation government being
opened, whatever we're calling

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that Operation open government,
that's what I'm going to call

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it.
And.

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We'll talk about that.
We got we got a jobs report

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today.
There's a very, very delayed

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jobs report, but we saw mixed
signals, mixed signals, more

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jobs created than were expected.
They were expecting 50,000.

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It was what, 110,000?
So is that a robust jobs report?

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No.
And a revision, A revision

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positive.
A downward revision from the

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prior month.
So between the two of those

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balances out.
But what we also saw at the same

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time is that the unemployment
rate increased.

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The reason for that is primarily
not because people were losing

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jobs, but more people are saying
I'm looking for a job.

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That's the way they measure it.
So a lot of mixed signals, which

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jives with what the Fed is
saying.

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What these Fed figures, we're
all disagreeing.

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They're not disagreeing like
you're insane, we should be

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cutting hard or you're insane.
We should not be cutting at all

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or hiking.
They're all kind of in the same

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range, but saying we need more
data to do it.

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So on the the data front, Jeb,
what did we get?

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We got some information
yesterday that we're finally

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just before the next Fed meeting
going to get some CPI data,

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probably not going to get any
PCE data, which is their

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preferred measure on inflation.
Regardless, there's ways of of

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sort of digging into that
information, reverse engineering

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it and it's telling us that
inflation is still continuing to

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tick up largely tariff driven.
Many of them are saying that.

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Many of them are saying it's not
just tariff driven.

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So we're concerned about it.
Absent the inflation component,

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the jobs market is is worrisome
enough to them that they would

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be cutting.
But they're all saying balance

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here.
We have to balance those two

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things.
We don't want to get too far

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ahead of ourselves and we don't
want to get too accommodative to

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an economy that they're saying
it's looking a little stronger

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than than what we believed.
So I, I think I wanted to

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comment as you were saying this,
that, hey, we got down almost

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approaching 6% and it backed up
to that six and a quarter 6 3/8

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range.
And that sucks for people who

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are buying right now who missed
that window, who didn't get the

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refinance rate locked at the
absolute bottom.

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But I also say it's a, it's a
positive because last year we

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got a little bit lower on the
interest rates in, in, in the

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early part of the fourth
quarter.

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We got down to what, 5.8755
point 9 and pushed up all the

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way over 7%.
So a big run up.

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So is that still possible?
It could happen.

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But the fact that the market has
absorbed that drop, we've given

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back a little bit of it and
we're trading sideways in this

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range.
And most people, including the

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Fed speakers are telling us that
they think the data will support

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further cuts in the future.
But we had to see the data at

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this point.
We're, we're not doing anything

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until we have confirmation in
terms of a weakening jobs

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market, in terms of inflation
moderating some somewhere along

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the line over the next few
months.

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And Josh, there's been this talk
for the better part of a year,

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maybe 2 years at this point,
hard, kind of hard to keep track

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of, of what the timing actually
looks like that this is the new

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normal that interest rates,
they're, they're going to kind

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of bounce in between this.
I mean, if we go off Logan over

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at Housing Wire 5.875 to 7 and a
quarter, I think the lower end

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of that's probably more
realistic.

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But is it possible that this is
the new normal?

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I mean, even if data softens a
little bit, doesn't necessarily

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weaken, economy stays strong,
GDP seems to be strong.

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You know, I know we're going to
get a new Fed president here,

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probably announced before they
say before Christmas

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potentially.
I guess Trump is interviewing

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the final three candidates here
soon and and somebody is going

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to be picked.
So there is that.

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And you might have some sort of
lame duck deal going on where

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Powell doesn't actually exit
until May or maybe he gives up

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and says, hey, listen, I'm just
out.

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You guys can do what you want to
do, but that aside, you know,

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people sitting on the sidelines
wondering, hey, listen, are

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rates going to go down?
I'm waiting to buy because of

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this.
Is that the right move or is

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there a chance that we just kind
of see what we've been seeing

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for another year?
Well, on the topic of that

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transition to new leadership, I
read a really interesting

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article this week that said,
hey, we've gone like 12 years

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without 2 dissenting voters in a
vote.

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And now we're seeing a lot more
dissent.

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And some people are like, oh,
this is a bad sign or this is a

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sign that that Mirren got in
because Trump put put him in

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there or the Powell's on his way
out.

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And, and this author's point was
this is a positive because we

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had groupthink and the
groupthink was not a sign of a

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consensus, but it was a sign of
whoever the Fed chair was coming

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to their decision going to all
the the voting members and

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saying this is how we're going
to vote.

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And now we see a lot more
debate.

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And what that would be more
likely to do is prevent a rerun

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of late 21, early 2022 when we
stimulated right into an

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overheating economy because
we'll, we'll get faster

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responses with more open and
robust debate.

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So is it a good thing?
Is it a bad thing?

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It probably just means that they
will correct sooner and faster

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and you won't have the excesses
that we've had.

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So at least that's the, the
positive spin, right?

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That's what we can hope for
sure.

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No, no, absolutely.
And I think again, we, we the

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expectation again from the
market is that it's either

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December or probably January of
some sort of cut good portion of

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that probably priced into the
market already.

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00:12:15,080 --> 00:12:17,000
You know, you might see interest
rates move down a little bit,

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00:12:17,040 --> 00:12:18,640
Josh.
But when we're talking to buyers

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00:12:18,640 --> 00:12:22,760
right now that are planning in
2026, let's talk to them

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directly because I think that's
where the conversation needs to

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go.
What, what are those people

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planning on right now?
What are they, what, what should

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00:12:30,200 --> 00:12:33,840
they be doing to, to have
success in 2026?

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00:12:33,840 --> 00:12:37,000
What does it look like?
The the key is getting your

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00:12:37,000 --> 00:12:39,840
numbers in line.
This isn't an arbitrary external

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00:12:39,840 --> 00:12:41,880
number that you have no control
over.

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00:12:42,360 --> 00:12:44,960
It's also not a fixed number.
You're probably going to take

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00:12:44,960 --> 00:12:48,280
out a fixed rate. 95% of of
borrowers do.

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00:12:48,600 --> 00:12:51,920
But what I mean in that it's not
fixed is that most people are

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00:12:51,920 --> 00:12:55,480
going to refinance 1235 times
during their home ownership.

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00:12:55,720 --> 00:12:58,280
So that doesn't mean that we
should buy with a payment that

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00:12:58,280 --> 00:13:01,040
we're uncomfortable with and
hope and pray that rates come

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00:13:01,040 --> 00:13:03,720
down and we can refinance.
It means if we're comfortable

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with this, if we can afford this
and we can live with this, it's

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not the end result.
It's our worst case over the

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00:13:09,120 --> 00:13:11,120
next 30 years if it never got
any better.

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00:13:11,120 --> 00:13:14,760
We have this and and we talk
about inflation is a bad thing.

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00:13:15,120 --> 00:13:17,760
Inflation in these terms is a
good thing if you're buying at

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the high end of your comfort
level, so within your comfort

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00:13:21,320 --> 00:13:23,520
level in terms of a payment.
But at the high end of that,

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realize that over time wages
grow about 3 to 4% a year.

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00:13:27,800 --> 00:13:29,880
So in five years you're going to
make 20% more.

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00:13:30,200 --> 00:13:34,080
In 10 years you're going to make
45% more.

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And people don't realize that we
so we at least have a fixed

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00:13:37,240 --> 00:13:39,760
mortgage.
Hopefully it's going to go down.

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00:13:39,760 --> 00:13:42,320
Hopefully we get an opportunity
where the people buying today at

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00:13:42,320 --> 00:13:45,520
6.375 are going to be in the mid
fives at some point and it makes

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00:13:45,520 --> 00:13:48,640
a 2 three, $400.00 decrease to
the payment.

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00:13:49,040 --> 00:13:51,400
We did an episode a couple weeks
back, Jeb, where we talked about

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00:13:51,400 --> 00:13:54,040
there's some externalities both
in terms of property taxes and

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00:13:54,040 --> 00:13:57,000
homeowners insurance that are
going and those are not fixed,

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00:13:57,320 --> 00:14:01,520
but wages do go up overtime and
this will get more comfortable.

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00:14:01,520 --> 00:14:06,680
So knowing your budget, knowing
your numbers and knowing what

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00:14:06,680 --> 00:14:10,880
truly the high end of your
comfort range is and staying

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00:14:10,880 --> 00:14:14,120
within that, where people get
into trouble is they go, I have

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00:14:14,120 --> 00:14:16,320
to get into a house and if that
means that I have to take on

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00:14:16,320 --> 00:14:18,640
this payment and I'm not
comfortable with, that's

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00:14:18,640 --> 00:14:21,640
problematic.
So know your situation, your

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00:14:21,640 --> 00:14:24,320
relationship situation, your job
situation, your credit

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00:14:24,320 --> 00:14:27,240
situation, how much money you've
saved, the reserves that you

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00:14:27,240 --> 00:14:30,800
have, your comfort level with a
monthly payment that's actually

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00:14:30,800 --> 00:14:34,080
based off of a real budget where
you've analyzed your numbers.

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00:14:34,080 --> 00:14:37,400
You don't have to do it hardcore
every month where you're in, you

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00:14:37,400 --> 00:14:40,720
know, whatever app you, you like
tracking it in, but you do need

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00:14:40,720 --> 00:14:43,840
to do it for 60 to 90 days.
So you have a strong view.

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00:14:43,840 --> 00:14:45,760
Jeb, you and I have talked about
this every time we get on the

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00:14:45,760 --> 00:14:49,000
topic of budgeting.
You and I both kind of do it

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00:14:49,000 --> 00:14:51,880
once once a year or so, kind of
go back through and doing it

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00:14:51,880 --> 00:14:54,440
once a year that spring cleaning
on your budget.

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00:14:54,680 --> 00:14:57,800
There's budget creep, there's
crap in all of our budgets.

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00:14:57,800 --> 00:15:00,760
And generally it varies by
income, varies by the person,

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00:15:00,960 --> 00:15:04,080
but I usually find 2, three,
$400.00 a month at least once a

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00:15:04,080 --> 00:15:06,720
year that we can cut out of it.
So those are the things that I

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00:15:06,720 --> 00:15:09,800
would be doing and focusing on.
We think interest rates are

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00:15:09,800 --> 00:15:13,080
going to be stable to improving.
So that shouldn't be the

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00:15:13,080 --> 00:15:15,440
question that it's been over the
last few years.

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00:15:15,600 --> 00:15:18,880
It really should be.
Do I have my ducks in a row?

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00:15:18,880 --> 00:15:20,760
Is this the right time for me to
do it?

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00:15:21,280 --> 00:15:23,440
Yeah.
And, and I think now's a really

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00:15:23,440 --> 00:15:25,400
good time to do that.
It's a slower time of the year

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00:15:25,400 --> 00:15:29,200
for a lot of people in general.
I mean, I get the holidays are

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00:15:29,200 --> 00:15:31,600
coming up and that's a crazy
time for a lot of people, but

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00:15:31,840 --> 00:15:35,560
just in, in, in, in, in the form
of the housing market, you know,

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00:15:35,560 --> 00:15:37,680
most mortgage real estate
people, it's a time of the year

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00:15:37,680 --> 00:15:40,400
where it's easy to have these
conversations a lot easier than

326
00:15:40,400 --> 00:15:41,960
it is.
And when the spring selling

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00:15:41,960 --> 00:15:44,320
seasons here in the middle of
summer, when things are just

328
00:15:44,320 --> 00:15:49,160
bananas and you know, the
earlier you do it, the the more

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00:15:49,160 --> 00:15:52,120
time you have on your side to
fix anything that could

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00:15:52,120 --> 00:15:54,400
potentially be wrong.
I mean, you may be perfect and

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00:15:54,400 --> 00:15:57,040
you may find out that you're
perfect, but you may also find

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00:15:57,040 --> 00:15:59,200
out that there are things you
can improve that puts you in a

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00:15:59,200 --> 00:16:02,000
better position moving forward.
I mean, in fact, Josh, I had a

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00:16:02,000 --> 00:16:04,920
conversation with somebody today
who she had called me about a

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00:16:04,920 --> 00:16:06,840
property and we had talked a
couple of months ago and I said,

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00:16:07,560 --> 00:16:09,760
listen, based on your situation,
I, I think you should just stay

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00:16:09,760 --> 00:16:12,240
where you are.
You're in a good position like

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00:16:12,240 --> 00:16:15,400
housing wise, payment wise and,
and you know what you're trying

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00:16:15,400 --> 00:16:17,200
to do, trying to find price
wise.

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00:16:17,200 --> 00:16:18,720
I don't even know that it's out
there in the market, to be

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00:16:18,720 --> 00:16:20,480
completely honest.
And I think you're good spot.

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00:16:20,480 --> 00:16:23,400
So she sends me a property this
morning and she's like, Hey, I

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00:16:23,400 --> 00:16:26,120
like this property.
And Long story short, I was

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00:16:26,120 --> 00:16:27,600
like, Hey, here's what we're up
against.

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00:16:28,120 --> 00:16:31,440
You haven't been pre approved
for one, which puts us behind

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00:16:31,440 --> 00:16:33,560
the 8 ball.
Secondly, your property is not

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00:16:33,560 --> 00:16:35,120
on the market and it's not in
escrow.

348
00:16:35,600 --> 00:16:37,960
And what you're sending me is
kind of a rare, it's the needle

349
00:16:37,960 --> 00:16:39,920
in the haystack that people are
going to get.

350
00:16:39,920 --> 00:16:41,840
It's going to get attention
because of the price point.

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00:16:42,200 --> 00:16:45,160
And we're not in a position to
do anything because you didn't

352
00:16:45,160 --> 00:16:48,000
haven't taken the necessary
steps, which is fine, but as

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00:16:48,000 --> 00:16:50,920
long as you understand that.
And so I think that's The thing

354
00:16:50,920 --> 00:16:53,880
is like, if you had done that,
at least we'd have one of those

355
00:16:53,880 --> 00:16:56,400
things on our side and we could
figure out the other two

356
00:16:56,480 --> 00:16:59,360
potentially.
But in this case, there's a lot

357
00:16:59,360 --> 00:17:01,840
going on there.
So recommendation from 2

358
00:17:01,840 --> 00:17:04,680
professionals here is get your
talks in a row, right?

359
00:17:04,839 --> 00:17:06,839
Go through the pre approval
process, have a conversation

360
00:17:06,839 --> 00:17:09,480
with Josh, use that link in the
description of the video and,

361
00:17:09,480 --> 00:17:12,720
and just pick his brain, right?
Go through what it looks like,

362
00:17:12,720 --> 00:17:14,640
get some numbers on paper.
You'll know exactly what that

363
00:17:14,640 --> 00:17:17,000
means.
And then you're educated.

364
00:17:17,000 --> 00:17:19,839
You're able to, to to know
exactly what's going to happen

365
00:17:19,839 --> 00:17:24,119
and be able to make insightful
offers going forward, which

366
00:17:24,359 --> 00:17:26,240
ultimately is going to put you
in a better position.

367
00:17:26,240 --> 00:17:30,920
So with that, said Mr. Lewis.
And as a realtor who lists

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00:17:30,920 --> 00:17:33,400
homes, you have more move up
buyers.

369
00:17:33,600 --> 00:17:35,800
I have move up buyers.
I have done this for 30 years.

370
00:17:35,800 --> 00:17:38,520
So we have clients who've
bought, built up equity, buying

371
00:17:38,520 --> 00:17:40,080
investment properties, moving
into another home.

372
00:17:40,080 --> 00:17:42,640
But the bread and butter of my
business is first time buyers.

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00:17:43,040 --> 00:17:47,320
So it's less about, hey, I got
to get my house listed, get an

374
00:17:47,320 --> 00:17:50,200
offer, get it non contingent to
be able to find that perfect

375
00:17:50,200 --> 00:17:53,120
home that props up pops up.
We have a lot of people to say,

376
00:17:53,120 --> 00:17:55,240
hey, we're going to do this in
March.

377
00:17:55,600 --> 00:17:58,640
Hey, we're going to do this in
July when our lease is up, and

378
00:17:58,640 --> 00:18:01,880
it is shocking how often the
perfect home comes up right

379
00:18:01,880 --> 00:18:03,360
away.
So the folks who've had that

380
00:18:03,360 --> 00:18:06,640
conversation ahead of time,
they're at least prepared when

381
00:18:06,640 --> 00:18:08,400
it does.
You know, in the perfect world,

382
00:18:08,480 --> 00:18:10,480
you probably have that timeline
for a reason.

383
00:18:10,760 --> 00:18:13,320
I said July because I talked to
a guy last week, his lease is up

384
00:18:13,320 --> 00:18:16,240
in July, so he wants to start
looking in March, would like to

385
00:18:16,240 --> 00:18:19,120
ideally be under contract in
April, close in May.

386
00:18:19,360 --> 00:18:21,840
So if the property needs work,
needs to paint it, whatever,

387
00:18:21,840 --> 00:18:22,920
they got a little bit of
overlap.

388
00:18:22,920 --> 00:18:25,120
So everyone has their plan of
what perfect looks like.

389
00:18:25,480 --> 00:18:27,280
Perfect rarely happens in the
real world.

390
00:18:27,520 --> 00:18:31,120
So front load your homework so
that when the time comes that

391
00:18:31,120 --> 00:18:34,040
you are in a position to do
that.

392
00:18:34,800 --> 00:18:38,040
Jeb, probably a really good time
to to talk about something that

393
00:18:38,040 --> 00:18:40,320
we're going to be doing.
For those of you that that are,

394
00:18:40,320 --> 00:18:43,440
we're in that time of the year
where New Year's resolutions,

395
00:18:43,440 --> 00:18:45,240
hey, we're going to do this in
2026.

396
00:18:45,240 --> 00:18:47,520
Most people if you're not in
escrow right now are not buying

397
00:18:47,520 --> 00:18:51,240
a home in 2025.
Maybe a few of you, but we have

398
00:18:51,240 --> 00:18:53,760
done several times over the last
few years and I feel it

399
00:18:53,760 --> 00:18:56,640
continues to get better.
The Educated Home Buyers

400
00:18:56,640 --> 00:19:00,800
Blueprint is an online workshop,
about 90 minutes, 100% free,

401
00:19:00,960 --> 00:19:03,400
where we go through all of this,
all of the homework that you

402
00:19:03,400 --> 00:19:05,280
need to be doing to get your
ducks in a row.

403
00:19:05,600 --> 00:19:07,920
What we can say is last year we
did this in January.

404
00:19:07,920 --> 00:19:10,360
We're probably going to do it
again in January, but we we got

405
00:19:10,360 --> 00:19:12,920
some feedback that people would
like to be prepared once January

406
00:19:12,920 --> 00:19:16,600
rolls around.
So if you show up, you're going

407
00:19:16,600 --> 00:19:19,680
to get a blueprint for getting
yourself 100% ready.

408
00:19:19,680 --> 00:19:22,640
And we had seven people from the
January and most of them were

409
00:19:22,640 --> 00:19:24,960
front loaded by by like June.
They were in homes.

410
00:19:24,960 --> 00:19:28,520
And I can tell you, not only did
we get 5 star reviews from them,

411
00:19:28,840 --> 00:19:31,480
but that was largely a function
of how smooth and stress free

412
00:19:31,480 --> 00:19:33,600
the process was because they
followed this.

413
00:19:33,800 --> 00:19:36,320
So if you're in the market, go
out to the

414
00:19:36,320 --> 00:19:39,840
educatedhomebuyer.com/workshop.
It's going to take you right to

415
00:19:39,840 --> 00:19:42,560
the page where you can learn
everything about it, including

416
00:19:42,560 --> 00:19:44,520
the date and time.
And if you're listening to this

417
00:19:44,520 --> 00:19:46,920
2-3 years in advance, still
leave that page up.

418
00:19:46,920 --> 00:19:49,440
And we will do this
periodically.

419
00:19:49,440 --> 00:19:51,840
So I can't tell you we're going
to do it every month, but we're

420
00:19:51,840 --> 00:19:54,000
going to do it a few times.
So even if you're listening this

421
00:19:54,000 --> 00:19:56,000
in the future, check out that
website, see what you have

422
00:19:56,000 --> 00:19:58,280
there.
But I think it it's probably the

423
00:19:58,280 --> 00:20:00,440
most valuable thing that we've
put together.

424
00:20:00,640 --> 00:20:02,560
We're in a very condensed period
of time.

425
00:20:02,560 --> 00:20:05,200
You can go about getting your
ducks in a row and being ready

426
00:20:05,200 --> 00:20:07,360
for when the time is right for
you and that websites.

427
00:20:07,360 --> 00:20:10,880
The
educatedhomebuyer.com/workshop

428
00:20:10,880 --> 00:20:13,280
So
educatedhomebuyer.com/workshop,

429
00:20:13,560 --> 00:20:15,760
if we could be of assistance to
you, reach out using that link

430
00:20:15,760 --> 00:20:18,840
in the description, which is the
educatedhomebuyer.com/start.

431
00:20:19,160 --> 00:20:20,880
Either way, we appreciate you
being here.

432
00:20:20,880 --> 00:20:22,440
We appreciate all the continued
support.

433
00:20:22,440 --> 00:20:24,480
If you found any value, make
sure you hit that thumbs up.

434
00:20:24,800 --> 00:20:26,800
Share us with a friend and we'll
see you next time.

435
00:20:26,960 --> 00:20:29,400
Until then, buy right, borrow
smart, build wealth.

436
00:20:29,720 --> 00:20:31,320
Adios amigos.