In today’s episode, Megan Anderson breaks down the mortgage spread and why it matters for understanding where rates may be headed next. She explains how changes in the gap between the 10-year Treasury and 30-year fixed rates can create new opportunities in both purchase and refinance markets. Megan also shares insights into the economic factors that could drive this spread even lower, offering a clear picture of what’s on the horizon for housing professionals.

Understanding the Mortgage Spread

Listen as Jonathon Haddad and Tim Braheem join Barry Habib to discuss how the Homebuyers Privacy Protection Act and the end of 'trigger leads' will impact you. Listen to this vital webinar to ensure your business is protected!
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About Jonathon Haddad

Jonathon Haddad is the CEO and Chairman of the Association of Independent Mortgage Experts (AIME) and President of Next Door Lending.

Since becoming Chairman and CEO of AIME in 2024, Jonathon has been on a mission to help brokers close more loans. Through AIME, Jonathon provides Mortgage Brokers with real-life business strategies and the community they need to grow, break barriers and redefine what’s possible in the wholesale channel.

With over a decade of origination experience and $5 billion in transactions, Jonathon’s career highlights include serving as Regional Vice President at one of the largest Retail lenders, personally originating $20 million across 60 loans while leading Next Door Lending to an $800 million year in 2023. In 2024, he took a major step in his career by selling his mortgage company to NerdWallet – a testament to his expertise and influence in the industry.

With experience on both sides of the mortgage business and active involvement in origination, Jonathon remains deeply connected to the needs of Brokers and homebuyers alike. For him, it’s simple: when Brokers win, homebuyers win.

About Tim Braheem

Tim Braheem is the Head Coach at Performance Experts Coaching and Host of The 360 Experience Podcast. He is one of the top educators and a major influencer in the mortgage industry, coaching many of the nation's best, brightest and most successful in the business.

In 2001, Tim co-founded LoanToolbox, an online educational website for the mortgage industry. As CEO and Head of Faculty, Tim quickly became one of the top educators in the mortgage industry and by 2006, LoanToolbox had over 11,000 paying members who looked to Tim as their coach. LoanToolbox became the standard for education within the mortgage space.

In 2004, Mortgage Originator Magazine inducted Tim along with only seven other originators into its Hall of Fame, recognizing his career achievements.

Trigger Lead Bill Passes - What This Means For You with Jonathon Haddad and Tim Braheem

In today’s episode, Megan Anderson breaks down what homebuyers really think about AI in the mortgage process and why most still crave human guidance. She highlights how loan professionals can build deeper trust by using the right tools to bring clarity and confidence to clients’ biggest financial decisions.

Register for NAMB National 2025: https://web.cvent.com/event/58515384-9fb8-4f79-a1ef-16ee2d88c2b6/summary 

Use code "MEGANFREE" for free general admission

Building Trust in the Age of AI

Watch this engaging webinar with top producer Theoni Rapo. In just two years, she’s doubled her production, built a following of over 240,000 on TikTok, and maintains a 12% conversion rate while raising two kids under 3 years old. Discover how she turns social media into a lead-generating machine and how you can, too.

About Theoni Rapo

‍Theoni Rapo entered the mortgage industry in 2016 while still a sophomore in college, quickly rising from loan partner to trusted mortgage advisor. Her academic dedication matched her professional drive, earning honors for her thesis on the evolution of the mortgage industry.

In 2021, she took the leap into full-time entrepreneurship, building a 100% referral-based, commission-only business centered on relationships, trust and guiding clients to achieve their homeownership dreams.

Known online as Not Ur Daddy’s Lender, Theoni has built a combined audience of over 270,000 followers on TikTok and Instagram. Her social media presence is not just about numbers. It is about educating, inspiring and creating a genuine community while proving that you can grow a thriving mortgage business without cold calls.

How to Utilize TikTok to Double Your Production with Theoni Rapi

In today’s episode, Megan Anderson unpacks how the Quarterly Census of Employment and Wages revealed significant revisions to job growth data, showing the labor market is weaker than previously reported. She explores what this new picture might mean for the Federal Reserve’s decision-making. Megan also considers the possible ripple effects for mortgage rates and housing.

The Hidden Story in Employment Numbers

Listen to this exclusive webinar with Michael Wall and Steve Snowden as they share the powerful IRS strategies the wealthy use to significantly cut their tax bills.

They’ll break down complex sections of the IRS code into simple, actionable insights and reveal advanced tactics designed to maximize your savings in 2025 and beyond. This is your chance to gain insider strategies and take control of your financial future!

To connect with Michael or Steve, visit leanonthewall.com. Include your name, best time to chat, and estimated income range.

About Michael Wall

Since 2002, Michael Wall has been a leading advocate for helping families build wealth, reduce taxes, and live with purpose. He has held CEO positions across various financial firms and has shared his expertise on prominent national media platforms, including CNBC, Fox, and Bloomberg. Michael is the host of two popular podcasts, The Invest Well Show and The Michael Wall Show, and has delivered keynote addresses to universities and organizations nationwide.

Michael's groundbreaking process, The Efficient Portfolio, was inspired by his in-depth research into the endowment models of Harvard and Yale in the early 2000s and is now a cornerstone of the services provided to the families he supports. With a commitment to coaching over 120 advisors, Michael has also significantly enhanced their practices, ensuring they deliver exceptional value to their clients.

About Steven Snowden

With five years of industry experience, Steve has been instrumental in significantly reducing taxes for affluent families, leveraging the principles established by founder Michael Wall to deliver outstanding service. A Penn State University graduate with a focus on Business Management and Entrepreneurship, Steve is dedicated to cultivating meaningful relationships and uncovering off-market opportunities that drive financial growth.

His early career mentorship from multimillion and billion-dollar business owners has equipped him with a wealth of knowledge and expertise, allowing him to provide exceptional guidance and support to his clients.

Future-Proof Your Finances: Expert IRS Strategies for 2025 and Beyond

In today’s episode, Megan Anderson explores how AI is transforming the way loan officers approach content creation. She breaks down simple strategies to stay consistent on social media without spending hours behind the camera. Listeners will learn how these tools can free up time while helping them show up as trusted experts in their market.

Megan's AI Avatar: https://vimeo.com/1121293510/a59c4479a5?share=copy

Learn more about CMA: https://becomecma.com/

Consistency Made Easy with AI

Listen as Barry Habib, Tim Braheem, and top industry experts discuss strategies and tactics in this high-impact webinar designed to help you capture today’s refinance opportunities. You’ll learn how to position yourself as the go-to advisor in a shifting rate market.

Download the “Marry the Home, Date the Rate” slide shared during the webinar: https://3775999.fs1.hubspotusercontent-na1.net/hubfs/3775999/10-year%20treasury.png

Sign up for The Loan Atlas: https://go.theloanatlas.com/membership-cma-refi-masterplan-tim-mbs

Schedule a consultation with The Loan Atlas: https://go.theloanatlas.com/book-a-consultation

What To Do Now To Maximize Refi Opportunities

In today’s episode, Megan Anderson breaks down how loan officers can navigate client communication during times of uncertainty, such as a government shutdown. She shares practical ways to stay informed, lead with confidence, and provide clarity when the market feels uncertain. Listeners will learn how small moments of guidance can strengthen trust and set them apart as true advisors.


Turning Uncertainty Into Opportunity

Stop Chasing Cold Leads – Start Owning Your Past Clients

Tired of past clients forgetting your name and Realtors gravitating toward whichever loan officer is giving them attention this week? You’re not alone. But there’s a better way.

Learn how top producers Josh Mettle, Scott DiGregorio and Daryn Fillis have built high-referral businesses using Home Report – a powerful tool that sends monthly, cobranded home finance reports to your clients with you and your Realtor partner front and center.

Home Report helps you:
• Stay top of mind with past clients – automatically
• Keep your Realtor partners visible and engaged
• Position yourself as a long-term financial guide – not just a transaction

In this free training, you’ll learn exactly how to use Home Report at the point of sale and beyond to create loyal clients, “sticky” Realtor relationships, and a steady stream of warm leads.

Choose your option to get started!

• The Loan Atlas + Home Report: https://checkout.theloanatlas.com/premium-membership-home-report/

• Home Report only: https://www.highway.ai/presentations/the-loan-atlas

•CMA only: use code TLA: https://becomecma.com/

Understanding the Mortgage Spread

On The Highway

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