HomeGain Audio Interviews

HomeGain Audio Interviews

Since 1999, HomeGain has provided innovative Internet tools and services to meet the needs of real estate professionals and consumers. Listen to the interviews below to gain insight into HomeGain's latest concepts, as well as home values and home prices market and other trends. These audio clips are a collection of real estate radio episodes, radio ads, interviews and teleconference discussions.

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Louis Cammarosano on Real Estate 360 Live With Ryan Sloper 1/28/13

January 28, 2013

Louis Cammarosano, General Manager of HomeGain was a guest on the Real Estate 360 Live radio show on The Big Talker 1580 AM, hosted by Ryan Sloper. Listen to highlights of the show!

Part 1  |   Part 2  |   Part 3  |   Part 4



Part 1: Ryan discusses the possibility that the Fed will not extend quantitative easing.

Louis discusses the implications of Germany asking to have its gold repatriated. (14:09)



Part 2: Ryan and Louis review the upcoming economic reports and the Fed statement and how they may impact interest rates.

Louis and Ryan predict that the data will appear to be improving which will spook investors into believing that the QE may be coming to an end which would have the impact of making interest rates upwards.

Louis notes that the pressing fiscal issues, including the debt ceiling, are not being discussed by Congress and the media.

Louis notes that the time preferences of politicians are short-term unlike monarchs who have a vested interest in preserving the long-term health and assets of their kingdoms.

Louis notes that the solution is not piling debt upon debt to avoid any economic pain.

Louis notes that the Fed allows deficit spending by monetizing the debt.

Louis notes that taxing the rich won't solve the deficit and that people don't mind taxes on other people but dislike them on themselves. (14:16)



Part 3: Ryan discusses the impact on interest rates if, at the Fed meeting this week, they talk about an improving economy. Ryan predicts higher interest rates and Louis predicts lower gold, silver, oil, and gas prices.

Louis says that the Fed has kept the lid on the pot of higher interest rates and now must let out some steam. Louis and Ryan discuss where interest rates would be without the intervention by the Federal Reserve.

Ryan discusses the qualified residential mortgage bill.

Ryan discusses the advantages of purchasing a foreclosed home.

Louis notes the impact of government programs designed to make homes affordable for Americans are not having the impact of foreigners buying foreclosed homes. (12:35)



Part 4: Ryan and Louis discuss credit tips. (11:32)

Louis Cammarosano on Real Estate 360 Live With Ryan Sloper 1/14/13

January 14, 2013

Louis Cammarosano, General Manager of HomeGain was a guest on the Real Estate 360 Live radio show on The Big Talker 1580 AM, hosted by Ryan Sloper. Listen to highlights of the show!

Part 1  |   Part 2  |   Part 3  |   Part 4



Part 1: Ryan and Louis discuss the Federal Reserve minutes. Louis notes that it is not only important in what the Fed says, but it's more important in what they do, if only in the immediate future.

Louis predicts a continuation of quantitative easing and that gold and silver will continue to rise.

Ryan notes that the Fed is talking up the economy.

Louis notes that the Fed is concerned with the perception that continuing to print money will only undermine confidence in the dollar and therefore they continue to talk down their quantitative easing plans.

Louis notes that the Fed will continue with QE but is not interested in being the first among countries in the race to debase.

Louis and Ryan discuss the fiscal cliff and the debt ceiling. Louis notes that the debt ceiling doesn't need to be raised for the US to pay interest on its debt.

Louis notes that Democrats and Republicans are both fans of spending and have no interest in making any cuts. Also, they are more interested in raising the debt ceiling in order to continue their spending.

Ryan and Louis discuss some examples of government waste and how the government picks winners and losers by allocating subsidies. (12:49)



Part 2: Ryan and Louis discuss the direction of mortgage interest rates. Ryan and Louis continue to discuss the Fed minutes. Ryan and Louis discuss the level of the stock market vs. the health of the economy. Louis discusses the public's view on unemployment and inflation based on the government numbers vs. reality.

Louis covers the HomeGain home values survey.

Ryan discusses credit scores and credit reports. (12:17)



Part 3: Ryan and Louis discuss how employment status impacts credit scores. (12:33)



Part 4: Ryan and Louis discuss the appraisal process. (11:47)

Louis Cammarosano on Real Estate 360 Live With Ryan Sloper 1/7/13

January 7, 2013

Louis Cammarosano, General Manager of HomeGain was a guest on the Real Estate 360 Live radio show on The Big Talker 1580 AM, hosted by Ryan Sloper. Listen to highlights of the show!

Part 1  |   Part 2  |   Part 3  |   Part 4



Part 1: Louis and Ryan discuss the fiscal cliff deal. Both had predicted Congress would come up with a plan that would not cut spending.

Louis notes that the Social Security withholding went from 4.2% to 6.2% and top rates went up to 39%.
Louis notes that both of these, while increases, are technically not. They come about as a result of letting the prior cuts expire.

Louis notes that the resolution of the fiscal cliff negotiations did not lead to a reduction in the deficit.

Louis notes that raising taxes could result in few taxes being collected.

Ryan notes that the mortgage debt forgiveness relief act was extended as part of the fiscal cliff deal.

Louis notes that a lot of new spending and tax breaks were also included in the deal.
Louis notes the bill was 157 pages and passed in three minutes!

Louis notes the dynamic where each Senator and Congressman has an incentive to continue spending.

Louis notes the Federal Open Market Committee (FOMC) minutes indicates that they might stop buying treasuries. Louis says it's "all talk". (15:00)



Part 2: Ryan and Louis discuss the Federal Open Market Committee Minutes. The minutes indicate that some members of the Fed think the stimulus measures taken by the Fed is working and that further bond purchases under QE may not be warranted.

Louis notes the main reason people buy mortgage-backed securities and treasury bonds is the perception that the Fed will also always be buying. When the Fed indicates they may stop buying, the market sells off.

Louis and Ryan note that there would be a disaster if the Fed stopped buying. Louis notes that the underlying economy is based on the Fed printing money.

Louis notes that if the Fed is not buying treasuries, interest rates would be market driven. Louis notes that the absence of the Fed's intervention would create deflation.

Louis and Ryan note that higher interest rates would be better for the economy. Louis notes the economy is better off where the housing market is reflective of the health of the economy not where interest rates are kept artificially low to make the housing market THE economy. (12:27)



Part 3: Ryan and Louis discuss how the current low interest environment helps those with higher credit scores and investors. Low interest rates also allow hedge funds to buy more equities which drives the stock market higher.

Ryan and Louis discuss the implication of higher tax rates on the wealthy-lower employment as small business either fire employees or not hire them.

Louis notes those with large amounts of assets avoided any real tax increase.

Ryan and Louis predict low interest rates, tightened lending standards, a potential downgrade of US credit rating, and unemployment remains at current levels.

Louis notes that job gains are with the 55+ age and not with the younger workers. He also predicts an increase in student loan defaults.

Louis predicts increased pressure on the Fed to print their way out of all the underlying weaknesses in the economy. This will lead to double digit percentage increases in gold and silver with silver out pacing gold.

Louis notes that student loans (and their parents' co-signing liabilities) are holding back the real estate market. (12:05)



Part 4: Ryan and Louis discuss credit tips. (11:48)