We're cutting through the media noise and breaking down the real state of the housing market — from interest rates to inventory and everything in between.

MAKING HOMEOWNERSHIP EDUCATION SIMPLER...

One Episode at a Time.

Listen now on Spotify, Apple Podcasts, or wherever you get your podcasts.

A neon sign that says the mortgage 101 podcast

We're cutting through the media noise and breaking down the real state of the housing market — from interest rates to inventory and everything in between.

MAKING HOMEOWNERSHIP EDUCATION SIMPLER...

One Episode at a Time.

Listen now on Spotify, Apple Podcasts, or wherever you get your podcasts.

A neon sign that says the mortgage 101 podcast

MEET YOUR HOSTS!

We're cutting through the media noise and breaking down the real state of the housing market — from interest rates to inventory and everything in between.

A man with glasses and a beard is smiling in a black and white photo.

MANLEY HAINES

Producing Partnership Branch Manager

NMLS: 755847

Co-Host of The Mortgage 101 Podcast


If you’ve ever wondered why the mortgage process feels so overwhelming—or wished someone would finally just break it down in plain English—you’ve come to the right place.

Manley Haines has been helping people make sense of home financing for over 23 years. As a top-producing mortgage professional and trusted advisor, he’s guided hundreds of buyers and homeowners through the ups and downs of the market with transparency, humor, and an unwavering commitment to doing what’s best for them.


On The Mortgage 101 Podcast, Manley brings his no-nonsense approach to the airwaves. He’s here to give you the clarity and confidence you deserve—whether you’re buying your first place, moving up, refinancing, or simply trying to figure out what all the headlines mean for your budget.


Manley is known for making complex topics feel refreshingly simple, sharing real stories that illustrate why homeownership is still the greatest wealth-building tool most people will ever have. His passion is helping you cut through the noise, avoid costly mistakes, and build a plan that works—today and for years to come.


When he’s not behind the mic, you’ll find Manley collaborating with real estate partners, mentoring fellow loan officers, or catching a game (Go Wisconsin!). Wherever you are in your homeownership journey, he’s here to help you take the next step with confidence.


Tune in and discover why so many listeners say, “Dang, that’s a good mortgage.

A man with a beard is smiling in a black and white photo.

ANTHONY VALENTINO

Producing Partnership Branch Manager

NMLS: 1226235

Co-Host of The Mortgage 101 Podcast


If you’re looking for straight talk, real solutions, and a deeper understanding of how mortgages actually work — you’re in the right place.


Anthony Valentino brings over 15 years of experience in finance and mortgage lending to the mic. As Vice President of Mortgage Lending, he’s helped thousands of families across the United States navigate the mortgage process with confidence and clarity.


Known for his honesty, deep industry knowledge, and ability to explain complex topics in simple terms, Anthony is on a mission to educate, empower, and equip listeners with the tools they need to win in any market. Whether you're buying your first home, investing, or refinancing, this podcast delivers the insider strategies most lenders won’t tell you.


With a full-time, nationwide team and a tech-savvy, client-first approach, Anthony brings the same energy to this podcast that he brings to every client: show up, educate, and deliver results.

 WELCOME TO THE YOUTUBE CHANNEL

THE MORTGAGE 101 PODCAST!

We're cutting through the media noise and breaking down the real state of the housing market — from interest rates to inventory and everything in between.



Jerome Powell speaking with burning White House background:
By Manley Haines November 8, 2025
In Episode 30 of the Mortgage 101 Podcast, hosts Anthony and Manley use a KFC theme to explore the U.S. economy's challenges over the past two years and the Federal Reserve's role under Chairman Jerome Powell. They discuss how Powell's monetary policies have navigated inflation and growth.
Man in red glasses pondering, with
By Manley Haines November 1, 2025
In Episode 29, hosts Anthony Valentino and Manley Haines use a Good Will Hunting theme to decode the 2025 housing market amid a government shutdown, where Congress and the Fed are "solving" economic equations without data. They break down who's controlling the levers—Fed, Congress, or Wall Street—and what Wednesday's O
Two men with text
By Manley Haines October 26, 2025
In Episode 28, hosts Manley Haines and Anthony Valentino use a Kellogg’s Corn Flakes theme to explore the K-shaped economy in October 2025, where asset owners thrive while renters struggle. They break down the K economy, highlighting how homeownership separates wealth builders from paycheck chasers.
Man in baseball jersey, holding glove and ball, in front of comic book backdrop. Text:
By Manley Haines October 17, 2025
In Episode 27, hosts Anthony Valentino and Manley Haines use a Sandlot theme to navigate the 2025 housing market, now in day 17 of a government shutdown. They cover market updates (10-year Treasury at 4.14%, MBS prices at 99.7, 30-year fixed at 6.3%-6.4%), Gen Z’s creative homebuying strategies.
Two men with serious expressions in front of a green-covered building. The text reads:
By Manley Haines October 17, 2025
In Episode 26, hosts Anthony and Manley adopt a Ghostbusters theme to tackle the 2025 housing market, disrupted by a government shutdown causing IRS slowdowns, FHA/VA bottlenecks, and paused flood insurance. With mortgage-backed securities (MBS) prices sliding and 10-year Treasury yields rising to 4.154%, they address
Man in vintage clothing with stressed expression,
By Manley Haines October 5, 2025
In Episode 25, hosts Anthony and Manley, joined by guest Jenaro "Jay" Roberts of G6 Legal, tackle the 2025 housing market with an O.K. Corral theme. Jay discusses his work in consumer protection laws, including ending debt parking and addressing the student loan credit hit that impacted 11 million borrowers in February
Man in glasses, football jersey, discussing housing market bombshell with graphic overlay.
By Admin September 26, 2025
In Episode 24, hosts Anthony and Manley use a Rudy-inspired theme to motivate buyers in the 2025 housing market, where the 10-year Treasury yield rose from 4.02% to 4.15%, pushing rates from 6.125% to 6.375%. They analyze the Fed’s dot plot from the September 17, 2025, meeting, expecting 1-2 cuts (or a surprise three).
Man in boxing gloves,
By Manley Haines September 20, 2025
In Episode 23, hosts Anthony and Manley frame the 2025 housing market as a Rocky-style heavyweight fight, with mortgage rates at an 11-month low (5.8-6.25% projected by year-end) due to weaker jobs data and a 10-year Treasury yield at 4.04%. They analyze the Fed’s dot plot, expecting 1-2 rate cuts (or a surprise three)
Man in glasses and flight suit, with overlaid text
By Manley Haines September 18, 2025
In Episode 22, hosts Anthony and Manley liken the 2025 housing market to a Top Gun dogfight, with 30-year fixed rates below 6.5% (down from the sevens) and over 5 million buyers reentering, fueling bidding wars. They warn that an imminent Fed rate cut (expected September 16-17, 2025) could trigger a refinance wave, cau
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Contact Us

Have questions about the housing market or need help navigating your homeownership journey?


Reach out to the Mortgage 101 Podcast team! Connect with hosts Anthony and Manley for expert insights on mortgage rates, market trends, and homebuying strategies.

Contact Us