The Power of Authenticity, ft. Coach Kyle Draper! | Mortgage 101 Ep. 12
In Episode 12 of the Mortgage 101 Podcast, hosts Anthony and Manley welcome Coach Kyle Draper, a social media expert and author of Rethink Everything You Know About Social Media, to discuss leveraging authenticity in the 2025 housing market. Recorded with Anthony in Hawaii, Kyle in Dallas, and Manley in Wisconsin, the episode explores why Q3 2025 is a hidden window for buyers to negotiate deals as homes sit longer and sellers grow flexible.
Kyle shares strategies for loan officers to build trust through authentic social media content, emphasizing vulnerability and relationship-building over salesy tactics. The episode includes a rapid-fire buzzword segment on mortgage terms and updates the rate prediction tracker, forecasting a 6.15% average by year-end.
Listen to the full episode: https://youtu.be/SpsIqfTG-tw?feature=shared
[00:00] Welcome to Mortgage 101: Episode 12
Manley: Welcome to Episode 12 of the Mortgage 101 Podcast! I’m Manley in Wisconsin, with Anthony in Hawaii and our special guest, Coach Kyle Draper, in Dallas.
Anthony: We’re simplifying the chaos of the 2025 housing market, showing why Q3 is a golden window to buy and how authenticity drives success.
Kyle: Excited to be here, ready to share how loan officers can rethink social media to build real connections.
[00:21] Q3 2025: The Hidden Buying Window
Why is Q3 2025 a good time to buy a home?
Anthony: If you’re waiting for perfect rates, you’re missing out—homes are sitting longer, and sellers are more flexible, giving smart buyers a chance to negotiate.
Manley: Rates are high but stabilizing, and inventory is up slightly, creating opportunities to build wealth through strategic offers before the market heats up.
Kyle: Buyers who act now, with clear pre-approvals, can lock in deals while others wait for a fantasy rate drop.
[02:56] Meet Coach Kyle Draper: The Power of Authenticity
Who is Coach Kyle Draper, and how does he help loan officers?
Manley: Kyle Draper, author of Rethink Everything You Know About Social Media, coaches loan officers and realtors to scale their businesses authentically.
Kyle: I help professionals drop salesy scripts and focus on vulnerability—sharing real stories, like making pancakes for your kids, builds trust online.
Anthony: Authenticity cuts through the noisy market, letting loan officers connect with clients on platforms like Instagram and LinkedIn.
[04:21] The Power of Vulnerability in Marketing
How can vulnerability boost your mortgage business?
Kyle: Sharing personal moments—like telling a buyer “no” or daily life—humanizes you, making clients trust you over polished competitors.
Manley: Vulnerability isn’t weakness; it’s showing your authentic self, which resonates with Gen Y and Z buyers who value transparency.
Anthony: Be honest about your challenges—clients relate to real stories, not perfect pitches, especially on social media.
[07:45] Social Media Strategies for Loan Officers
What social media tactics work in 2025?
Kyle: Focus on consistent, authentic content—short videos on Instagram or LinkedIn about market tips or your process build trust without hard selling.
Anthony: Avoid salesy posts; share educational content, like explaining the Big Beautiful Bill’s tax benefits, to engage early-stage buyers.
Manley: Kyle’s book Rethink Everything teaches how to use your sphere as a CRM, turning followers into lifelong clients. DM us for a free copy!
What key mortgage terms should buyers know in Q3 2025?
Ryan: Rapid-fire buzzwords—keep answers concise!
Pre-Qualification vs. Pre-Approval (Anthony)
Anthony: Pre-qualification is a quick estimate of buying power; pre-approval is a verified commitment, giving you a competitive edge.
Seller Concessions (Manley)
Manley: Seller concessions cover buyer costs like closing fees, now more negotiable in Q3 as homes sit longer—ask upfront!
Debt-to-Income Ratio (Kyle)
Kyle: Your DTI compares debt payments to income; keep it below 43% to qualify for better loans, especially with the BBB’s income boosts.
Rate Lock Float-Down (Anthony)
Anthony: A rate lock secures your rate for 30–45 days, with a float-down option if rates drop significantly, protecting against volatility.
Equity (Manley)
Manley: Equity is your home’s value minus your loan balance—use it for HELOCs or to negotiate better terms in today’s market.
[52:19] Rate Prediction Tracker Update
Where are mortgage rates headed in 2025?
Anthony: Our forecast stays at 5.8–6.5%, averaging 6.15% by year-end, despite recent swings to 6.8% due to inflation and tariff concerns.
Manley: Rates are trending lower, not spiking to the moon—act now to lock favorable rates before the market shifts.
Kyle: Stay proactive; work with lenders like Anthony and Manley to navigate volatility and secure deals in Q3’s buyer-friendly window.
[54:33] Final Thoughts: Be Authentic, Act Now
How can buyers and loan officers succeed in 2025?
Anthony: Homebuying is a marathon—trust but verify information, and be authentic with your lender to turn “nos” into “yeses.”
Kyle: Loan officers, show your real self online—vulnerability builds lifelong clients who trust you over competitors.
Manley: Don’t wait for perfect rates; Q3 2025 is your window to negotiate and build wealth. DM us for questions or a free copy of Kyle’s book!
FAQ
Why is Q3 2025 a good time to buy a home?
Homes are sitting longer, and sellers are more flexible, allowing buyers to negotiate better deals before competition returns.
Authentic social media content, like personal videos, builds trust with clients, especially Gen Y and Z, leading to more referrals and loyalty.
What’s the outlook for mortgage rates in 2025?
Rates are forecasted to average 6.15% by year-end, with short-term volatility around 6.8%—lock rates strategically to avoid spikes.

How does the Big Beautiful Bill impact buyers?
The BBB, signed July 4, 2025, boosts buying power with tax-free tips, higher SALT caps, and mortgage interest deductions, especially for service workers.
Listen to the full episode: https://youtu.be/SpsIqfTG-tw?feature=shared
