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.



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
Two men in front of a colorful background. Video titled
By Manley Haines September 13, 2025
In Episode 21, hosts Anthony and Manley, joined by guest host Kyle Draper, challenge listeners to rethink homeownership by distinguishing between buying a house (math-driven) and a home (driven by a personal "why" like family, stability, or wealth). With 30-year fixed rates at 6.56% (lowest in 10 months).
Two men in football jerseys discuss interest rates. Bright pop art backdrop.
By Manley Haines September 11, 2025
In Episode 20, hosts Anthony and Manley use an NFL playbook theme to tackle the 2025 housing market, where prices are up 4.5% year-over-year and inventory is tight at 3.2 months. With mortgage rates averaging 6.4% in August and the 10-year treasury yield at 4.23%, they discuss strategies like tapping 401(k)s.
Man with glasses pointing,
By Manley Haines September 11, 2025
In Episode 19, hosts Anthony and Manley liken the 2025 housing market to the Stranger Things Upside Down, with median home prices at $412,500 and a price-to-income ratio of 5, creating an affordability crunch. They analyze the Federal Reserve’s Jackson Hole signals from August 2025.
Two men, text overlay:
By Manley Haines September 11, 2025
In Episode 18, hosts Anthony and Manley draw parallels between Johnny Cash’s “Jackson” and the Federal Reserve’s Jackson Hole meeting on Friday, August 22, 2025, to guide first-time homebuyers through a volatile 2025 housing market. With inflation at 3.3% and a PPI spike to 0.9% in July.
Two men in a podcast, discussing trapping home sellers. One wears glasses, the other has arm tattoos.
By Manley Haines August 19, 2025
In Episode 17 of the Mortgage 101 Podcast, hosts Anthony and Manley use a Jurassic Park theme to guide first-time homebuyers through the 2025 housing market, where rates are dropping (6.07% in August) and competition is heating up. They stress the importance of a Power Bid.
Two men discussing home buying. One gives a thumbs up, the other points. Colorful background, title overlay
By Manley Haines August 15, 2025
In Episode 13 of the Mortgage 101 Podcast, hosts Anthony and Manley highlight Gen Z's readiness for homeownership in the 2025 market, where rates are easing and prices are resetting. They discuss Gen Z's smart saving habits, like automating investments, and contrast it with older generations' mindsets.
Two men discussing mortgage options; cartoon background, one man thoughtful, the other smiling, wearing red glasses.
By Manley Haines August 15, 2025
In Episode 16 of the Mortgage 101 Podcast, hosts Anthony and Manley analyze the bond market's sudden shift after revised jobs data showed 818,000 fewer jobs than reported, potentially signaling rate drops. They discuss how buyers can prepare for surprises, emphasizing pre-approvals and proactive strategies.
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