KP Talks Dollars and Sense | Podcast Guru

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KP Talks Dollars and Sense helps you learn financial literacy and provides real-time updates on all things housing, finance, and real estate with your host Kevin Peranio. As an owner and C-level executive for 20 plus years in finance, KP is here to serve you with all of his knowledge and experience. Tune in each week for more episodes. Kevin Peranio does not render or offer to render personalized investment or tax advice through KP Talks Dollars and Sense. The information provided is for informational purposes only and does not constitute financial, tax, investment or legal advice.

Recent Episodes

France Rated Below Italy: Is Contagion Coming?

Why Mortgage Rates Fell Despite Hot Inflation and AI Debt Concerns Mortgage rates can move lower even when inflation remains elevated, and understanding why requires looking beyond the latest economic headlines. From the MBA Annual in Chicago to the National Association of Mortgage Brokers event in Las Vegas, KP breaks down the flow of money, Treasury market movements, AI investment, and global economic developments shaping mortgage rates. KP begins with his takeaways from the MBA Annual, d...

18 MIN

Copper, Wages, And Housing: What's Really Happening

Dr. Copper, Diesel Prices, and the Hidden Forces Moving Mortgage Rates The mortgage market continues to face pressure from elevated Treasury yields, inflation concerns, energy-market disruptions, and higher-for-longer interest rates. From Corona, California, KP breaks down the latest economic data and explains why copper prices, diesel costs, wage growth, and global supply chains could offer important clues about the economy and the future direction of mortgage rates. KP begins by discussin...

14 MIN

The Mortgage Spread Is Dead — What Happens to Mortgage Rates Next?

Mortgage Rates, AI, Inflation, and the Economy Heading Into Q4 The economy continues to show underlying strength even as mortgage rates remain elevated, inflation stays above the Federal Reserve’s target, and uncertainty around oil, geopolitics, and the bond market weighs on financial markets. From Huntington Beach and Catalina Island, KP breaks down the latest economic data, mortgage spreads, Treasury yields, AI investment, inflation, jobs, credit, and the forces shaping mortgage rates head...

17 MIN

Why 2027 Could Be the Year to Start Building Now

Mortgage Rates, AI Investment, and Preparing for 2027 The mortgage market is facing persistent pressure from elevated Treasury yields, strong economic activity, oil and diesel prices, and competition for capital from the massive AI buildout. From Austin, Texas, KP breaks down the latest forces shaping mortgage rates and explains why lenders should use the slower season to retool, explore alternative products, and prepare for the opportunities ahead. KP starts by putting the current market i...

11 MIN

Fed Rate Hike This Week: What It Means For You

Fed Week, Inflation, and the Next Move for Rates The Federal Reserve is back in focus as markets react to another major rate decision, persistent inflation, elevated Treasury yields, and uncertainty surrounding the economy. From Pinehurst, North Carolina, KP breaks down the latest Fed decision, inflation data, Treasury markets, oil prices, housing, insurance costs, and the forces shaping mortgage rates heading into the final stretch of the year. KP starts with the Federal Reserve and expect...

21 MIN