In Episode 824 of Fried on Business, host Jim Fried welcomes Ed Cairo, founder and principal of American Home Finance Group, for a timely and strategic conversation about the state of the mortgage market in 2025.
As homebuyers, investors, and real estate professionals navigate the uncertainty of rising interest rates, tighter lending conditions, and shifting credit strategies, Ed brings clarity and practical advice from the front lines of financing.
Drawing on decades of experience in residential and investment property lending, Ed shares:
What interest rate movements mean for first-time buyers and investors
How banks are changing their underwriting in today’s market
The biggest mortgage mistakes buyers are making right now
When refinancing makes sense—and when it doesn’t
How brokers can better educate and guide their clients
Whether you're trying to secure a home loan, advising clients, or investing in income property, this episode delivers the financial insights you need to make smart, confident decisions.
Ed also discusses how private lenders and smaller firms are stepping up as big banks tighten credit, and why personalized service is more important than ever in today’s lending landscape.
🎧 Tune in now for a real-world look at what’s happening behind the mortgage curtain—and how to use it to your advantage.
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