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Key Factors Podcast is Powered by ReviewMyMortgage.com
Host: Mark Jones | Sr. Loan Officer | NMLS# 513437
If you would like to work with Mark on your next home purchase or as a partner visit iThink Mortgage.

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Is the Fed About to Make a Huge Move? How does it effect you as a homebuyer?

In this eye-opening episode of the Key Factors Podcast – Real Estate AF, host Mark Jones is joined by John Hudson and Brianna Jones to dig deep into the current mortgage climate, financial literacy, and buyer behavior in a volatile market. The trio explores how fear of rejection, lack of trust in lenders, and financial misinformation are keeping 85% of potential homebuyers on the sidelines—even as rates drop.

They break down the true relationship between Fed rate cuts and mortgage rates, challenge the house-poor mindset, and share how tools like LoanBot empower consumers through transparency and options. From the generational wealth gap and 40-year mortgages to the failure of schools to teach basic finance, this episode delivers hard truths and helpful guidance in equal measure.

🧠 Discussion Themes / Talking Points

Fed Rate Cuts vs. Mortgage Rates
Why a Fed cut doesn’t guarantee lower mortgage rates—and how media confuses buyers.

Fear, Trust, and Financial Literacy Gaps
Generational distrust in lenders, fear of rejection, and lack of education are massive hurdles.

LoanBot as a Solution
A tech-driven approach that empowers buyers and gives realtors and LOs a sticky tool to stay top-of-mind.

Expanding Term Lengths & the Case for 40-Year Mortgages
The market may be shifting in term length expectations due to affordability and age.

Buy Now, Not When Everyone Else Does
Encouraging buyers to act before another market frenzy hits.

Guest Info
📇 John Hudson

Owner & Sr. Mortgage Advisor
🏦 H&M Mortgage Group
📍 San Antonio, TX
📧 john@hmmortgagegroup.com

📇 Brianna Jones

Licensed Realtor®
🏡 JBGoodwin REALTORS®
📍 San Antonio, TX
📧 brianna.jones@jbgoodwin.com

Mark Jones | Branch Manager | Sr. Loan Officer nmls# 513437
iThink Mortgage
Founder and Co-Owner of LoanBot & ReviewMyMortgage.com

Support the show

Key Factors Podcast is Powered by ReviewMyMortgage.com
Host: Mark Jones | Sr. Loan Officer | NMLS# 513437
If you would like to work with Mark on your next home purchase or as a partner visit iThink Mortgage.

Send us a text

Are You Leveraging or Just Taking Advantage -Talking Real Estate

In this high-energy episode of the Key Factors Podcast – Real Estate AF, host Mark Jones welcomes back Dylan Shively and introduces Carlos Puckerin, a dual-citizen entrepreneur from Detroit and Windsor, Ontario, now based in Houston. Together, they dive into the hard truths about real estate, entrepreneurship, scaling systems, authenticity, and marketing. Carlos unpacks his journey from fix-and-flip investor to founding Loaded Realty and LLGS (Loaded Lead Generation System)—a full-stack business-in-a-box platform for realtors.

They tackle why most agents fail, the psychology behind sphere-of-influence vs cold lead generation, and how Carlos and Dylan are teaming up to help first-time buyers through education, credit restoration, and down payment readiness. The trio drops nonstop gems on mindset, branding, habit formation, delegation, social content strategy, and navigating the “Matrix” of modern marketing. You’ll laugh, rethink your hustle, and walk away ready to delegate, automate, eliminate—and regulate.

Support the show

Key Factors Podcast is Powered by ReviewMyMortgage.com
Host: Mark Jones | Sr. Loan Officer | NMLS# 513437
If you would like to work with Mark on your next home purchase or as a partner visit iThink Mortgage.