The Real Estate Show

Radio Show Notes 03/19/25 Wednesday: Midweek Market Report: How Smart Investors Use Debt to Build Wealth in Real Estate!

March 19th, 2025 7:27 PM by Eric Willner

Radio Show Notes 03/19/25 Wednesday:

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Midweek Market Report: How Smart Investors Use Debt to Build Wealth in Real Estate!

By Eric Willner, Investor, Coach, and Host of The Real Estate Show, America’s longest running daily radio show about real estate.

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The Real Estate Show – Wednesday Midweek Mortgage & Market Report

How to Use Debt to Build Wealth in Real Estate

Welcome to The Real Estate Show!

South Florida’s #1 Real Estate Radio Show and America’s longest-running daily radio show about real estate!

My name is Eric Willner, known as The Voice of Real Estate and founder of America’s longest-running daily radio show about real estate. I am also the creator of The Automatic Landlord System for owning cash-flowing real estate profitably and hassle-free.

This show is a virtual real estate seminar in every episode, and today is The Wednesday Midweek Mortgage & Market Report Edition of The Real Estate Show.

Why NOW is the Right Time to Buy Real Estate

Today, we continue to discuss why NOW is a great time to invest in real estate.

And here’s something I always say:

Everyone is in Real Estate!
You’re either IN real estate because you own it—you searched, negotiated, and closed on a property, enjoying the benefits of ownership, appreciation, and tax advantages...
Or you’re ON real estate—paying rent directly or indirectly, covering your landlord’s mortgage instead of your own!

So if you’re not yet IN real estate, you’re on the wrong side of the equation! Let’s fix that.

How to Use Debt to Build Wealth in Real Estate

One of the biggest misconceptions about wealth-building is that debt is bad—but let me tell you, the wealthy use debt as a tool to create even more wealth.

Did you know…?

Did you know that strategic borrowing allows real estate investors to control high-value assets with relatively small cash investments?
Did you know that mortgage interest rates, though fluctuating, remain historically low compared to past decades—offering an opportunity to leverage borrowed money wisely?
Did you know that using debt to acquire real estate can create cash flow, appreciation, and tax benefits that far outweigh the cost of borrowing?

Today’s show is about How to Use Debt to Build Wealth—a critical concept that separates successful investors from those who stay on the sidelines.

But before we get into the details, let’s talk about some exciting FREE workshops happening this week:

Path to Homeownership Introduction – 1st & 3rd Tuesdays at 8 PM (Online, Invitation Only)
Financial Edge Academy “101 Overview” – Every Wednesday at 8:30 PM (Online, Invitation Only)

Text "Path" to 561-861-2366 to attend the homeownership workshop.
Text "Edge" to 561-861-2366 to attend the Financial Edge Academy.

Do finances challenge you? Most people say YES!
That’s why we created The Financial Edge—your financial team to help you take control of your money and leverage real estate to build wealth.

We believe in a 3-pronged approach:

Everyone should buy a house—be a homeowner.
Everyone should have a financial plan—a written strategy for financial success.
Everyone should own a business—leveraging tax benefits and additional income streams.

Text "EDGE" to 561-861-2366 to learn more!

Mortgage Market Update – What’s Happening with Rates?

Now, let’s look at today’s mortgage rates:

30-Year Fixed Mortgage: 6.72% (↑ 4 basis points from last week)
30-Year Refinance Rate: 6.70% (↑ 2 basis points)

Mortgage rates have jumped around but remain elevated. Many experts had predicted rates would drop below 6% in 2024, but volatility in the market has kept them higher.

30-Year Mortgage Rates Rise

According to Bankrate’s latest survey:
The average 30-year fixed mortgage rate is now 6.77%, a slight increase from last week.

But here’s the good news: Inflation cooled to 2.8% in February, down from 3% in January.

Many analysts believe rates will trend downward, but not dramatically—so if you’re waiting for rates to drop significantly before buying a home, you might miss out!

Pro Tip: Whether you need a mortgage now or in the next two years, start preparing NOW. Get a pre-qualification (PQ) to see where you stand financially.

We also have insider information on TWO new mortgage products and a Down Payment Assistance (DPA) program that could be a game-changer for buyers.

Now let’s pause for a quick break with "The Mortgage Minute."

Mortgage Demand Pulls Back as Rates Rise

According to Mortgage Bankers Association:

Total mortgage application volume dropped 6.2% last week.
Refinance applications fell 13%, but they are 70% higher than last year—meaning more homeowners are taking advantage of recent rate declines.
Purchase applications were steady, up just 0.1% week-to-week and 6% higher than last year.

What does this mean for buyers?
If rates decline further, expect competition to increase as more buyers jump into the market.
Home prices will likely continue to rise as demand increases.
The best time to buy is before rates drop too much and demand surges!

The takeaway? Act now, while competition is still manageable!

Text "EDGE" to 561-861-2366 to get expert guidance on financing options.

Fed Decision & Interest Rate Trends

The Federal Reserve is expected to hold interest rates steady at the end of today’s two-day meeting.

While rates remain elevated, some borrowing costs are starting to ease:
30-Year Mortgage Rates: Trending downward after peaking in early 2024.
Auto Loans: Slight decrease in rates, making car financing slightly more affordable.
Credit Card APRs: Lowering, but still relatively high—so be strategic with debt!

Why does this matter?
The Fed’s stance on rates impacts all borrowing costs—including your mortgage, auto loan, and credit cards.
If you’re planning to buy real estate, the key is to lock in a great mortgage while rates are still reasonable.