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The Ninja Selling Podcast

Aug 31, 2023

Matt and Garrett are throwing an interesting topic on the table today and it’s all about a cornerstone of the U.S. real estate landscape - the 30 year fixed rate mortgage. Their intent today is to have a fun conversation around this very common product that is used every day in real estate and explore it with listeners a little bit in an effort to better understand its pros and cons. 

Together, our hosts shine a light on the origins of the 30-year mortgage, tracing its authorization in the corridors of Congress during the late 1940s and early 1950s. They go on to explore implications of this particular loan term within the American context, the impact that periodic adjustments to interest rates might have upon market movements, and the potential transformation of investment strategies in response to evolving loan terms. Above all, today’s episode provides a valuable springboard for further dialogue among the wider Ninja community, as listeners are cordially invited to share their input on this quintessential fixture within the U.S. real estate world.

And the perfect forum to share your input is in the community of approximately 13,000 Ninjas who collaborate, ask and answer questions, network, and more in the Ninja Selling Podcast group on Facebook at Ninja Selling Podcast Facebook. Leave a voicemail at 208-MY-NINJA if you’d like to offer more direct feedback. Be sure to check out Ninja Selling Events for upcoming installations and other events, and if you’d like personalized help in achieving your goals, visit Ninja Coaching to connect with one of our fantastic coaches.


Episode Highlights:

  • The unique 30-year mortgage phenomenon in the U.S., and its influence on homeowners' decisions

  • Innovative market dynamics

  • How altered interest rates reshape property investment choices

  • Encouraging listeners to actively join the dialogue

  • The origins of the 30-year mortgage

  • Extended debt's ripple effect

  • Equity dynamics

  • Global mortgage insights



"We're questioning some things right now. That's all we're doing."

"We're the only ones that from what I know, we're the only ones that have that out there. And it's very funny to see the response from people, which has then got us talking."

"Looking at the history a little bit, the past 50 to 70 years has seen an acceleration in a lot of things.”

“This was a creation of the federal government basically saying, ‘Hey, you can write 30 year loans.’"

"It's good to know all the tools that are at your fingertips and how they work because I know a lot of people that have an amazing workbench in their garage and they've got all kinds of great tools that they bought to build out this incredible workbench, but they don't know how to use any of them."

"But I think there's so many moving parts around this. And this is where, again, Matt and I don't have the answers around this."

"At the end of the day, I'm grateful for the 30 year loan."

"It's so great to talk to you out there and hear the feedback back of what you guys get to take away from our time that we share.”



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