Nicole Lapin

speaker

12,527 appearances 64 recordings 1 series first heard Sep 2025 last heard 2d ago

Nicole Lapin’s voice in public audio — every appearance, attributed to the second.

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recordings per month · last 12 months

Recordings per month over the last 12 months — 61 in all, peaking in Oct 2025 with 11.

Appearances

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Money Rehab with Nicole Lapin · WTF is Going on in the Bond Market?! · 21 Sep 2026 podcast

Number two, you can actually afford the whole shebang, meaning the down payment, the insurance, the taxes, the monthly payment, and a cushion, not just approval on paper. matched

And three, you have a steady job you love because job uncertainty is the worst possibility matched

possible timing for a financial decision of this magnitude. matched

So if you can't say hell yes to those three things, the mortgage rate is kind of irrelevant. matched

You shouldn't be buying right now, regardless of what the ten year treasury does tomorrow. matched

But if you do pass that test, here's the practical piece. matched

Waiting for a better rate assumes that rates move in one predictable direction, and this month is proof that they do not. matched

Home prices, meanwhile, are still expected to rise a few percentage points this year in most markets, so a lower rate doesn't necessarily mean a cheaper overall price if the price you're buying has climbed too. matched

The strategy I keep coming back to is simple. matched

Buy the house when it's right for you. matched

Treat the rate you get today as temporary and refinance potentially if rates drop later. matched

As a realtor friend of mine likes to say, you marry the house, you only date the rate. matched

All right, let me put a bow on this. matched

Here are three things to remember. matched

Number one, a bond is basically a loan and the yield is the interest rate on it. matched

When the government has to pay more to borrow, matched

So do you. matched

Number two, this sell-off is a pileup. matched

It's not a single crash. matched

We've got oil, debt, a wall of new AI borrowing, and a Fed that went from cut to maybe hike in a matter of months. matched

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