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KP Talks Dollars and Sense

KP Talks Dollars and Sense helps you learn financial literacy and provides real-time updates on all things housing, finance, and real estate with your host Kevin Peranio. As an owner and C-level executive for 20 plus years in finance, KP is here to serve you with all of his knowledge and experience. Tune in each week for more episodes. Kevin Peranio does not render or offer to render personalized investment or tax advice through KP Talks Dollars and Sense. The information provided is for informational purposes only and does not constitute financial, tax, investment or legal advice.

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KP Talks Dollars and Sense

Why Mortgage Applications Just Hit a New High

August 18, 2025 • Kevin Peranio • Season 4 • Episode 10

💰 Mortgage Boom, Inflation Pressure & The Fed’s Next Move

Mortgage demand is heating up with Q2 applications and refinances hitting highs, even as rates remain elevated. The Fed’s rate path is in focus with inflation data looming, while housing affordability and global trade shifts add more fuel to the fire.

It’s a market full of contradictions: rising home equity vs. affordability challenges, consumer resilience vs. labor market softening, and innovation vs. regulation in housing finance.

📊 CPI, tariffs, and treasury yields could set the tone for the months ahead—and KP breaks it all down live from the California MBA Western Secondary.

Episode Highlights:

00:00 – Live from Rancho Palos Verdes: California MBA Western Secondary kickoff
01:30 –Board meeting recap: regulation, CRA legislation, AI in lending & insurance crisis updates
2:09 – Fed outlook: possible 25bps rate cut & CPI report preview
3:34 – Tariffs & China chip deal: Nvidia, AMD, and AI race
4:25 – Gold, inflation trends & Fed funds vs Treasury yield
6:38 – Housing market: why now might be a good time to buy/refinance
7:25 – Jobs report revisions & labor market distortions
8:48 – Stock market highs: Nvidia, Microsoft, Meta & earnings
10:03 – Mortgage applications, refinancing trends & equity cash-outs
11:49 – Stock market momentum & the “Elon line” in treasury yields
18:48 -CPI & PPI explained: inflation data and market impact
21:14 - Bond market reaction & Consumer Price Index insights
22:44 - Scorecard on bonds & stocks: investing in Treasury bonds
23:25 - Labor vs inflation: jobs report & survey revisions
26:18 – Wrapping up & closing thoughts

🎧 Stay smart. Stay ready. Stay informed.
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Kevin Peranio

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