Top PERL Loan Officer Barry Schwartz gives an overview of how the housing market and mortgage rates behaved in 2011, and offers some insights on how things might look in 2012. Also–a quick look at the government’s HARP program, and how it could affect mortgage banking.

Click the play button to listen!

New homebuyers might be perplexed about the qualifications and criteria that are used to determine a minimum down payment. Top PERL loan officer Barry Schwartz and fellow PERL mortgage specialist Jennifer Gerard help unravel the mysteries of money down.

Click the play button to listen!

Learning how to plan and manage home finances can be one of the hardest challenges for any family. Sometimes, you need the help of a professional financial advisor. Sara Samuels, financial representative with Northwestern Mutual, and top PERL producer Barry Schwartz explain what a good financial planner can offer, and how they can help you get the most out of all of your finances, including your mortgage.

Click the play button to listen!

Most people know about the New York Stock Exchange and it’s general history — but what is the NASDAQ — and how does it work? Top producer Barry Schwartz explains the in’s and out’s of the NASDAQ and some interesting developments it’s seen over the past decade.

Click the play button to listen!

Why do rates go up? Earlier in 2010, mortgage rates were down to 4.25% for a 30-year fixed mortgage. Barry Schwartz, top producer at PERL Mortgage, explains rate fluctuation and why they’re a function of the 10-year Treasury Bill and bond purchases by investors.

Click the play button to listen!