Katy McLaughlin

speaker

175 appearances 2 recordings 1 series first heard Jul 2019 last heard Sep 2019

Katy McLaughlin’s voice in public audio — every appearance, attributed to the second.

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WSJ Your Money Briefing · Lower Your Mortgage Interest Rate With No Refinancing · 27 Sep 2019 podcast

And we have learned this reporting that it does happen.

It may not happen for everybody, but it is out there.

in some cases, and more lenders are considering it.

So I think it's worth your while to make the call.

It's been my pleasure.

Thank you.

WSJ Your Money Briefing · Relationship Pricing: Banks Want to Be Your Everything · 26 Jul 2019 podcast

That's right.

That's the offer.

We will do better for you on your mortgage if you get into business with us, either by depositing funds with us or letting us, even better, letting us manage your investments.

No, the banks have kind of a sliding scale, and some of them are fairly transparent about what they offer.

Citibank even publishes a schedule.

If you put in, I think it even starts at like $1 up to this amount, they'll waive one of the $250 fees.

If you go all the way up to $1 million or over $1 million, it can become half a point or three-eighths of a point off of a mortgage rate.

So it really depends.

But yeah, it's a sweeter deal as you do more business with the bank and give them more money to either deposit or manage.

Where they really make money and what they really like is to manage your investments, to be your wealth advisor.

So they really like that.

They want wealthy customers to be banking with them and they want to manage their money for them because there's lots of fees and

transaction fees and percentage fees, you know, depending on how they structure their wealth management compensation to be made off of somebody who has a lot of money under management.

Also, if they manage it properly, that money is growing.

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