Rates have dipped to 6.77%, Jerome Powell hinted at more cuts, and market sentiment is finally shifting… but are YOU ready to move when the moment hits?

In this week’s episode, Andy and Will break down three trending topics every homebuyer, homeowner, and real estate pro needs to understand right now:

🔥 1. Should you get pre-approved now or wait for rates to drop further?
🔑 2. Why “nepo buyers” (gifted down payments from family) are changing the game
💻 3. Zillow's new listing policy: transparency play or power grab?

Plus: A heartbreaking real-life story of a buyer who wasn’t ready and missed out on a life-changing deal — and how you can avoid the same mistake.

💡 Here’s what we cover:
✅ How just a 0.25% rate drop could save you $200+ per month
✅ Why being prepared early gives buyers a massive competitive edge
✅ The rise of intergenerational wealth in real estate (and how to tap into it)
✅ House hacking, co-signing, ADUs, and creative buying in 2025
✅ How Zillow’s new policy impacts pocket listings, MLS, and sellers
✅ What this all means for YOU — whether you're buying, selling, or refinancing

Whether you're a first-time buyer, market watcher, or seasoned investor, this episode is packed with strategies and real-world insight to help you win in today’s housing market.

💬 Got thoughts on Zillow’s new rules or nepo buying? Drop a comment below!
🔔 Subscribe for weekly real estate insights & mortgage strategy
📩 Want to get pre-approved or explore your options? Reach out to us directly!

In this week’s Mortgage Heroes Podcast, we tackle some of the hottest and most controversial real estate topics of Summer 2025 — including new ADU rules in San Diego, home improvement loan pros & cons, and the Fed’s decision to hold rates steady (again).

Whether you’re a homeowner, investor, or first-time buyer, this episode brings the insights and real talk you need to navigate today’s market with confidence.

🧠 What we cover:
✅ San Diego’s major changes to the ADU bonus program
✅ Why investors and residents are clashing over density and parking
✅ How to use ADUs the smart way (without angering your neighbors)
✅ Best home improvement loans of June 2025 — when to use them vs. a HELOC
✅ Fed keeps rates flat — what it means for mortgages, credit cards & auto loans
✅ How inflation data and political pressure are impacting future rate cuts
✅ Why now might be the BEST time to get a HELOC or refinance your debt

Plus: Insightful banter, birthday shoutouts 🎉, and a fresh perspective on how you can build smarter — not just bigger — in today’s evolving housing market.

💬 What’s your take on the new ADU caps in San Diego?
🔔 Subscribe for weekly market insights & practical mortgage guidance
👍 Like this video if you want more raw conversations about real estate + money

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