Larry Gonzales

Joined the Navy in ‘92 and waited 20 years to buy a home using my VA benefit—big mistake!

Early investment could have changed everything. Max out your TSP and 401K despite the 5-10% pay cut; it pays off.

Debt can wreck happiness and marriages, so pay off credit cards monthly.

Build a 3-6 month emergency fund to handle life's unexpected moments without falling into debt.

Finally, continuously educate yourself about finances through books and groups.

These decisions turned my financial life around—start now and secure your future! 💪

#LarrytheLO #TheBroker #TheBrokerHI #veteranloan #veterans #valoans #mortgage #va #realestate #pcsmove #pcsseason #valoan #veteranownedbusiness #militarylife #militarymove #militaryspouse #veteranpcs #military #army #airforce #navy #tactical #marines #soldier #milspouse #militaryspouse

Success starts with action. Surround yourself with like-minded people because birds of a feather flock together.

Want to rent forever? Hang with renters. Want to live on credit? Stick with those who do.

But if you want to thrive, learn and hustle like D. He wasn't born with the knowledge—he earned it through mentors and self-education.

You see D living it up, but behind the scenes, he’s hustling and taking risks, and getting up at 0430, then burning the midnight oil. 💪🔥

Too watch this full podcast go to -- https://youtu.be/iCd1qMHty7A?si=Q1r_bzTAKwciaPU5

#LarrytheLO #TheBroker #TheBrokerHI #veteranloan #veterans #valoans #mortgage #va #realestate #pcsmove #pcsseason #valoan #veteranownedbusiness #militarylife #militarymove #militaryspouse #veteranpcs #military #army #airforce #navy #tactical #marines #soldier #milspouse #militaryspouse #bandofbrothers #hawaiimillionairemindsetblueprint #dearonnebethea #hawaiimultifamilymindset

Welcome to Housing Market Update for the week after the 4th of July! This week, we've got some exciting news and crucial insights for you.

From inflation reports to Fed signals, here's everything you need to know!

HIGHLIGHTS:

01:15 - The Big 3: Prices up, inventories up, and rates down!

02:45 - Headline News: Honolulu housing market update

04:30 - June HBR Report: Home prices rise, condo sales drop

07:00 - Monthly Indicators: The latest on Oahu's housing trends

10:15 - Importance of a Good Realtor: Avoid costly mistakes

12:45 - Fed Signals: Potential rate cuts on the horizon

15:00 - Inflation Update: Positive signs and what they mean for you

17:30 - Job Market Cooling: How it affects housing

20:00 - VA Rates: Current trends and future expectations

22:15 - Trump and Interest Rates: Separating fact from fiction

25:00 - Final Thoughts: What does this all mean for buyers and sellers?

Stay tuned for an in-depth analysis of these topics and more. Don’t miss out on the latest trends and essential advice to make informed decisions in this ever-changing market.

If you're looking to buy or sell, now's the time to stay informed. Subscribe to our channel, hit the bell icon for notifications, and leave a comment below with any questions or topics you'd like us to cover in future updates.

Stay cool, stay informed, and remember: having the right knowledge can make all the difference. Aloha!

Joined the Navy in ‘92 and waited 20 years to buy a home using my VA benefit—big mistake!

Early investment could have changed everything. Max out your TSP and 401K despite the 5-10% pay cut; it pays off.

Debt can wreck happiness and marriages, so pay off credit cards monthly.

Build a 3-6 month emergency fund to handle life's unexpected moments without falling into debt.

Finally, continuously educate yourself about finances through books and groups.

These decisions turned my financial life around—start now and secure your future! 💪

#LarrytheLO #TheBroker #TheBrokerHI #veteranloan #veterans #valoans #mortgage #va #realestate #pcsmove #pcsseason #valoan #veteranownedbusiness #militarylife #militarymove #militaryspouse #veteranpcs #military #army #airforce #navy #tactical #marines #soldier #milspouse #militaryspouse

Feeling overwhelmed by the current housing market? Here's the scoop from the leeward side of Oahu:

📈 High Inventory: We're seeing the highest inventory levels since pre-COVID, especially in areas like Mililani, Kano, and Kailua.

🔍 Positive Outlook: Good news might be on the horizon! If trends continue, we could see inventory levels drop again soon. Remember what happened last year when rates dipped into the fives?

💡 For Sellers: If your home is sitting longer, don't stress. It's not about the value; it's about affordability for buyers. Instead of lowering the price, consider offering a credit to make your home more accessible.

🌟 Hot Areas: Homes in Mililani, Kano, and Kailua will sell due to high demand and limited inventory. Hang tight and stay positive!

👉 Want the full breakdown? Check out our latest podcast for in-depth insights and tips! [Watch Now](link here)

#LarrytheLO #TheBroker #TheBrokerHI #veteranloan #veterans #valoans #mortgage #va

Wednesday brought us the latest ADP jobs report, revealing a slight slowdown in the labor market. With 150,000 new jobs added (versus the expected 160,000), the real highlight is the decelerating wage growth. While wages are still rising, the pace has slowed both month-over-month and year-over-year.

For those staying in the same job, wage growth dipped to 4.9% from 5% last month. Job switchers also saw a decrease, down to 7.7% from 7.8%. Remember when people were hopping jobs for 10-12% pay hikes? That's no longer the case, indicating a cooling labor market.

Job openings (JOLTS) have also dropped significantly, from over 10 million a few months ago to around 8 million now. This trend is expected to continue.

📊 Want the full scoop on these trends and what they mean for you? Click the link and watch the full video for all the details! 🎥👀
https://youtu.be/T1BxITeno6g

#LarrytheLO #TheBroker #TheBrokerHI #veteranloan #veterans #valoans #mortgage #va

🚨 Monday Rate Update! 🚨

Get ready for a rollercoaster week for interest rates:

Tuesday & Wednesday: Fed Chair Powell’s testimony to Congress could cause rates to jump.
Wednesday: 10-Year Treasury Auction - high demand could help lower rates.
Thursday: Big reports on inflation and job claims.
Friday: Producer Price Index (PPI) - inflation from the wholesale level.
📊 National average rates as of 8 July.

30-Year Fixed: 7.00%
Jumbo: 7.22%
VA Loans: 6.50%
Stay tuned for potential rate changes! Questions? Reach out anytime. Have a great day! 🌟

#MondayRateUpdate #InterestRates #EconomicOutlook #MortgageRates #TheBroker #VAloans

When you partner with the right realtors and arm yourself with the right knowledge, amazing things can happen!

Just check out this family—they're moving into their new home without paying a cent for three years! Yes, you read that right.

They're living mortgage-free, paying off a $10,000 credit card debt, and have their closing costs covered. This isn't just a win; it's a massive victory! 🙌

🔑 Want to learn how you can snag deals like this too? Click the link and watch the full video for all the juicy details!

Don't miss out on your chance to make your homeownership dreams come true. 🎥👀
https://youtu.be/T1BxITeno6g

#LarrytheLO #TheBroker #TheBrokerHI #veteranloan #veterans #valoans #mortgage #va

Get ready for a rollercoaster week for interest rates:

Tuesday & Wednesday: Fed Chair Powell’s testimony to Congress could cause rates to jump.
Wednesday: 10-Year Treasury Auction - high demand could help lower rates.
Thursday: Big reports on inflation and job claims.
Friday: Producer Price Index (PPI) - inflation from the wholesale level.
📊 National average rates as of 8 July.

30-Year Fixed: 7.00%
Jumbo: 7.22%
VA Loans: 6.50%
Stay tuned for potential rate changes! Questions? Reach out anytime. Have a great day! 🌟

#MondayRateUpdate #InterestRates #EconomicOutlook #MortgageRates #TheBroker #VAloans