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.
Trend
recordings per month · last 12 monthsRecordings per month over the last 12 months — 61 in all, peaking in Oct 2025 with 11.
Appearances
Number three, for your wallet, this means inflation stays sticky, mortgage rates stay higher for longer, and waiting for the Fed to rescue your home purchase is not a plan.
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Your target date fund is doing exactly what it was designed to do.
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So judge it on the year, not the week.
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None of this is fun.
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All of this is survivable.
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For today's tip, you can take straight to the bank.
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If you're locking in a new mortgage rate right now, ask the lender for a float down on your rate lock.
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Say those exact words.
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Here's the deal.
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When you're closing on a house, you lock in your rate for 30, 45, or 60 days, so it can't jump on you before closing day, which is great.
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But a lock also means that if rates drop during those weeks, you're stuck with the higher rate.
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A
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Floatdown fixes that.
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It's the add-on that lets you grab the lower rate if rates fall while your loan is still closing without canceling or starting the whole process over.
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It usually costs a small fee or slightly higher rate up front, and with the 10-year swinging around the way it has been, a little protection in both directions is worth asking about.
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Not every lender offers it, and almost none of them will bring it up on their own, so you have to ask for it by name.
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But the decision about whether to buy a house was never actually about that headline.
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It was always about whether you can say hell yes to the life you're buying it for.
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Brian Armstrong is the CEO and co-founder of Coinbase, the largest crypto exchange in the U.S.
and the first crypto company to crack the S&P 500.
Showing 501–520 of 12,527 · page 26 of 627
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