This paper examines why many U.S. mortgage borrowers fail to refinance despite substantial potential savings. Using loan‐level data and a structural model, the authors show that high transaction costs and borrower inattention contribute to persistent mortgage rate heterogeneity. Their findings suggest that reducing refinancing frictions could significantly improve household welfare by lowering mortgage payments for many borrowers.

V53-I4-Ep.4 Mortgage Rate & Refinance Failure

Many individuals choose to rent properties, whether for personal residences or business premises. While renting may initially appear cost-effective, it can have detrimental long-term financial implications. Essentially, you are indirectly paying someone else’s mortgage. It's time to break free from this cycle and invest in your own residential or commercial property. This show is designed to guide and empower you in strategizing and actualizing Your Real Estate Life.

Discover a wealth of knowledge on real estate—whether you're just beginning, advancing, or expanding your portfolio. This radio program dives deep into the toughest questions, covering lending programs, interest rates, financial literacy, economic trends, and more. Equip yourself with the insights to become an informed decision-maker regarding your most valuable assets. Join us at the forefront of property ownership and unlock your full potential.

Maximize your financial decisions by adopting the right approach when entering a 30-year loan and purchasing property. Learn how to convert debt into wealth efficiently—without compromising your lifestyle, resorting to unnecessary refinancing, or jeopardizing your well-being. Uncover smart strategies to reduce excessive payments to lenders and responsibly eliminate debt. You deserve the best in life; don’t compromise your safety for real estate victories.

This radio program serves as your guide to identifying red flags in the market. Carelessness could lead to unmanageable loans or crippling interest rates. Equip yourself with the knowledge, tools, and resources to navigate the unpredictable waters of property acquisition. By being well-educated about the industry, you can protect yourself from exploitation. This show ensures that you have everything you need to thrive.

Meet Michael A. Harris, your radio host with more than 38 years of lending experience. He is the President and CEO of United Mortgage Corporation of America, a direct lending mortgage banking company operating and originating loans in California, Colorado, Montana, Texas, and Washington. Michael is passionate about helping others achieve financial comfort within their own homes. He tirelessly serves clients by eliminating years of mortgage interest. As a Senior Director and Certified Field Trainer at United Financial Freedom, Michael has dedicated himself to guiding families toward a debt-free life.

In this radio program, Michael imparts invaluable advice, financial insights, and practical resources for effectively managing your loans and transforming debt into wealth. While he may not have authored the lending programs you're currently enrolled in, his objective is to enlighten you on proper repayment strategies. Though he is not a certified public accountant, attorney, estate planner, or realtor, he can connect you with top-notch professionals through his extensive business network, ensuring you receive the best possible assistance.

The economy is dynamic and ever-evolving. You will encounter numerous external factors beyond your control and face challenging questions that test your knowledge. However, amidst these challenges, there are still opportunities to secure your real estate future.

Start saving time and money today on your purchase or refinance with the perfect interest rate and plan tailored to you and your family. Discover how to navigate the complex loan selection and acquisition process to meet your unique needs. Break free from the grip of your landlord and start building equity through homeownership. When it comes to finding your dream neighborhood and elevating your financial status, having the right support is crucial. Find it all in this enlightening radio program today.

Investment loans are available in all states except North Dakota (ND), Nevada (NV), South Dakota (SD), and Vermont (VT).

08-09-25 Now Is the Time—Don’t Miss Your Window

08-16-25 Make Smart Moves While You Still Can

08-23-25 Back to School, Back to Lending

08-30-25 Navigating Economic Changes This Fall

09-06-25 Inflation, Interest Rates, and Jobs

09-13-25 Up, Down, and Fed Around - The Fed Factor

09-20-25 The Fed's Balancing Act - Job's Rates and Your Wallet

Welcome to Season 6, Episode 2 of the Expat Mortgage Podcast, where we discuss the latest issues of securing and maintaining an Australian mortgage whilst you are an Australian expat. In this episode, we’re joined by Justin Betar from Betar Lawyers to explore property ownership structures, family law, and estate planning for expats. We cover joint tenants vs tenants in common, foreign ownership taxes, binding financial agreements, and why proper planning is crucial when living abroad.

Book a session with Jeremy Harper to discuss your expat mortgage needs: bit.ly/4pQvQzt

Enjoying the podcast? Why not leave us some feedback here: bit.ly/3UQ8BrI

The Expat Mortgage Podcast is all about helping Australian expats secure and maintain an Australian mortgage whilst they're living and working overseas.

This podcast is brought to you by Atlas Mortgages which is part of the Atlas Wealth Group who is the leading provider of Australian expat financial services.

Atlas Mortgages works with Australian expats in over 50 countries and we make it our job to speak to 45 Australian Mortgage Lenders and review over 3000 Australian Mortgage products to ensure that not only can you get that mortgage as an Australian expat but also provide you with a loan that is right for you and your circumstances.

Season 6. Episode 2 – Structuring Property & Estate Plans as an Australian Expat

09 27 25 Quarter End Checkup and 2026 Preview

Bite-size briefings on the newest research from Real Estate Economics, the premier journal of the American Real Estate and Urban Economics. Each episode, our AI host distills a fresh paper into the essentials: question, method, findings, and why it matters. Stay current with the cutting-edge research in the field of real estate, economics, and finance.

The Expat Mortgage Podcast is all about helping Australian expats secure and maintain a Australian mortgage whilst they're living and working overseas.

Brought to you by Atlas Mortgages which is part of the Atlas Wealth Management Group who is the leading provider of Australian expat financial services.

Atlas Mortgages works with Australian expats in over 30 countries and we make it our job to speak to 30 Australian Mortgage Lenders and review over 500 Australian Mortgage products to ensure that not only can you that mortgage as a Australian expat but also provide you with a loan that is right for you and your circumstances.

Many individuals choose to rent properties, whether it be for their personal residences or business premises. While this may initially appear cost-effective, it can have detrimental long-term financial implications. Essentially, you are indirectly paying a mortgage. It is time to break free from this cycle and invest in your own residential or commercial property. This show is designed to guide and empower you in strategizing and actualizing Your Real Estate Life.

Discover a wealth of knowledge on real estate – whether you're just beginning, advancing, or expanding your portfolio. This radio program dives deep into the toughest questions, covering lending programs, interest rates, financial literacy, economic trends, and more. Equip yourself with the insights to become an informed decision-maker when it comes to your most valuable assets. Join us on the forefront of property ownership and unlock your potential.

Maximize your financial decisions by adopting the right approach when entering a 30-year loan and purchasing property. Learn how to convert debt into wealth efficiently, without compromising your lifestyle, resorting to refinancing, or jeopardizing your well-being. Uncover smart strategies to reduce unnecessary payments to lenders and responsibly eliminate debt. You deserve the best in life; don't compromise your safety for real estate victories.

This radio program serves as your guide to identifying red flags that plague the market. Carelessness could lead to unmanageable loans or crippling interest rates. Equip yourself with the knowledge, tools, and resources to navigate the unpredictable waters of property acquisition. By being well-educated about the industry, you can protect yourself from exploitation. This show ensures that you have everything you need to thrive.

Meet Michael A. Harris, your radio host with more than 38 years of lending experience. He is the President and CEO at the United Mortgage Corporation of America, a direct lending mortgage banking company operating and originating loans in California, Colorado, Montana, Texas, and Washington. Michael is passionate about helping others achieve financial comfort within their own homes. He tirelessly serves clients by eliminating years of mortgage interest. As a Senior Director and Certified Field Trainer at United Financial Freedom, Michael has found a calling guiding families towards a debt-free life.

In this radio program, Michael imparts invaluable advice, financial insights, and practical resources for effectively managing your loans and transforming debt into wealth. While he may not have authored the lending programs you're currently enrolled in, his objective is to enlighten you on proper repayment strategies. And though he is not a certified public accountant, attorney, estate planner, or realtor, he can connect you with top-notch professionals through his extensive business network, ensuring you receive the best possible assistance.

The economy is a dynamic and ever-evolving landscape. Oftentimes, you'll encounter numerous external factors beyond your control or be faced with challenging questions that put your knowledge to the test. However, amidst these challenges, there are still opportunities to secure your real estate future.

Start saving time and money today on your purchase or refinance with the perfect interest rate and plan for you and your family. Discover how to navigate the confusing loan selection and acquisition process to meet your unique needs. Break free from the grip of your landlord and start building equity through home ownership of your own. When it comes to finding your dream neighborhood and elevating your financial status, it is crucial to have all the support you can get. Find it all in this enlightening radio program right now.

Investment loans in the following additional states except: ND, NV, SD, and VT.

New tracks tagged #Refinance