Larry Gonzales

All right, friends—we’ve had one wild ride these last two weeks. Between market swings, rising rates, and a serious wave of new listings, I’ve got a lot to break down for you.

Whether you're buying, selling, or just trying to make sense of it all, I’ve got the numbers, the trends, and some honest advice to help you move smart. Let’s dive in.

HIGHLIGHTS:

00:07 – A quick tribute to Val Kilmer (because why not?)
00:20 – What’s driving market tension: tariffs, Trump, and global trade
00:43 – The Big 3: Prices ⬆️ | Inventory ⬆️ | Rates ⬆️
01:02 – Headline news: Inflation gets overshadowed by tariff drama
01:29 – Honolulu Board of Realtors drops March report — good for buyers and sellers
01:48 – VA rates jump nearly 1% in a week — biggest move since COVID
01:55 – “Tariff tantrums” explained: how trade policy is hitting mortgage rates
03:19 – Why rumors about China selling US bonds are stirring up fear
03:55 – Watch this number: 4.45% on the 10-year treasury is a danger zone
04:31 – Inflation: Gas and airfare help bring CPI down
05:20 – Airline prices dropped 5.3% — time to book those flights?
05:54 – HBR Market Update: March numbers are in
06:31 – March rebounds: Single-family sales ⬆️ 23%, Condos ⬆️ 25.9%
07:10 – Price it right, and homes are still moving FAST
07:19 – Biggest rebound in new listings in 3 years
08:06 – Why a drop in rates could set off another price jump
08:20 – Inventory is now over 3,000 homes — highest since COVID
09:54 – Median prices hold steady: $1.16M SFH, $500K condos
10:35 – VA rates: what went wrong this week
11:04 – PSA: When I call you to lock a rate… do it!
11:49 – What’s next: PCE inflation report + Fed decision
12:02 – Apps are surging: refis up 35% weekly, 93% YoY
12:47 – Why “waiting for lower rates” might cost you more
13:14 – SELLERS: April is go time.
13:45 – Kailua, Mililani, Kaneohe: still hot if you’re priced right
14:06 – Wrap-up + my message for you this week

💬 Let’s Talk: Look, I know this market feels uncertain—and yeah, it’s a lot.

But you don’t have to figure it all out alone.

My job’s not just to talk numbers, it’s to help you read between the lines and make a smart move that actually fits your life.

Drop a comment if something in here helped clarify things for you—or even if it just got you thinking differently.

And if you want to stay on top of it all…

Like this video
Subscribe for more weekly updates
Hit the bell so you don’t miss the next one

Stay sharp, stay positive, and I’ll see you next week.

Aloha!

🔴 Subscribe for more free Market Updates : https://www.youtube.com/?sub_confirmation=1

🔴 Share this video with a YouTuber friend: https://youtu.be/fdyd7rcneD8

🔑 If you are a first time home buyer I understand that looking online for answers can be overwhelming, I am here to give you facts (some opinions) but mostly what I am seeing in the market right now.

Here at The Broker Mortgage Hawaii we strive to serve you!

The housing market and interest rates are probably the last thing you would think about!

Please comment below and let me know what you think!

Mortgages and especially VA loans are my passion!

I am licensed in 4 states for purchase and refinances.

✅ Here is how to contact me:

1️⃣ Take the first step to homeownership! Get pre-approved in under 2 minutes at my website: https://larrythelo.com/
2️⃣ Give me a call 📞 808-348-5287

Social Media Handle:

👉 Instagram - www.instagram.com/larrythelo
👉 Facebook - https://www.facebook.com/LarrytheLO

_________

Larry Gonzales, Sales Manager / Senior Loan Officer CDR USN (RET) NMLS 1452722 at The Broker Mortgage

Branch Address: 1116 Volvo Pkwy, Ste 109, Chesapeake, VA 23320
Top VA Lender in Hawaii 2018-2022

✅ More Helpful Content:

👉 Myths About the VA Benefit: https://www.youtube.com/watch?v=GXOy_...

👉 Who is Eligible for the VA Home Loan Benefit: https://www.youtube.com/watch?v=GQ46r...

👉 What Can You BUY With Your VA Benefit?: https://www.youtube.com/watch?v=3YbR2...

👉 You Can Buy a MULTI-MILLION Dollar Home with NO Down Payment?: https://www.youtube.com/watch?v=LtX1j...

State License Numbers: HI, VA, NC

All information contained herein is for informational purposes only and, while every effort has been made to ensure accuracy, no guarantee is expressed or implied. Any programs shown do not demonstrate all options or pricing structures. Rates, terms, programs and underwriting policies subject to change without notice. This is not an offer to extend credit or a commitment to lend. All loans subject to underwriting approval. Some products may not be available in all states and restrictions apply. Equal Housing Opportunity.

#housingmarketupdate #housingmarketforecast #housingmarketupdate

Don't wait to buy! Stay updated on the housing market trends, mortgage rates, and tips for home sellers in this informative video. Get ahead of the game and make the right move now!

I keep hearing folks say, “I’ll wait for interest rates to drop before buying.”

But here’s the real deal: waiting could cost you WAY more than you think.

In this full breakdown, I show how my VA buyers are walking into $1M homes in Ewa Beach with as little as $700 out-of-pocket thanks to $35K in seller credits.

Compare that to waiting for rates to drop and possibly paying $30K+ MORE at closing—without any credits, plus higher purchase prices and added competition.

This isn’t just a market update.

It’s a full-on blueprint for buying smart right now.

🎥 Watch the full video now and see the numbers for yourself.

This could be the smartest 6 minutes you invest this week.

#MillionDollarHomeVideo #LarryTheLO #TheBroker #VeteranLoan #VALoanSpecialist #EwaBeachHomes #HawaiiRealEstate #TimeInTheMarket #BuySmartNow #HousingMarketTruth #HomeBuyingStrategy"


🔴 Subscribe for more free Market Updates : https://www.youtube.com/?sub_confirmation=1

🔴 Share this video with a YouTuber friend: https://youtu.be/fdyd7rcneD8

🔑 If you are a first time home buyer I understand that looking online for answers can be overwhelming, I am here to give you facts (some opinions) but mostly what I am seeing in the market right now.

Here at The Broker Mortgage Hawaii we strive to serve you!

The housing market and interest rates are probably the last thing you would think about!

Please comment below and let me know what you think!

Mortgages and especially VA loans are my passion!

I am licensed in 4 states for purchase and refinances.

✅ Here is how to contact me:

1️⃣ Take the first step to homeownership! Get pre-approved in under 2 minutes at my website: https://larrythelo.com/
2️⃣ Give me a call 📞 808-348-5287

Social Media Handle:

👉 Instagram - www.instagram.com/larrythelo
👉 Facebook - https://www.facebook.com/LarrytheLO

_________

Larry Gonzales, Sales Manager / Senior Loan Officer CDR USN (RET) NMLS 1452722 at The Broker Mortgage

Branch Address: 1116 Volvo Pkwy, Ste 109, Chesapeake, VA 23320
Top VA Lender in Hawaii 2018-2022

✅ More Helpful Content:

👉 Myths About the VA Benefit: https://www.youtube.com/watch?v=GXOy_...

👉 Who is Eligible for the VA Home Loan Benefit: https://www.youtube.com/watch?v=GQ46r...

👉 What Can You BUY With Your VA Benefit?: https://www.youtube.com/watch?v=3YbR2...

👉 You Can Buy a MULTI-MILLION Dollar Home with NO Down Payment?: https://www.youtube.com/watch?v=LtX1j...

State License Numbers: HI, VA, NC

All information contained herein is for informational purposes only and, while every effort has been made to ensure accuracy, no guarantee is expressed or implied. Any programs shown do not demonstrate all options or pricing structures. Rates, terms, programs and underwriting policies subject to change without notice. This is not an offer to extend credit or a commitment to lend. All loans subject to underwriting approval. Some products may not be available in all states and restrictions apply. Equal Housing Opportunity.

#housingmarketupdate #housingmarketforecast #housingmarketupdate

Just dropped: April Housing Market Update!

The ADP jobs report came in stronger than expected — 155K new jobs vs. 105K predicted.

That’s a rebound from last month, and it tells us the private sector is still flexin’

But here’s the kicker: wage growth is cooling. Less job-hopping, more stability… and that’s actually GOOD news for interest rates.

If you're watching rates or planning a move this year, these economic signals matter. I break it all down in my latest update.

📺 Tap the link in bio or drop a 📈 in the comments and I’ll shoot you the full video. https://youtu.be/OoHH1vLyY3Y

#LarrytheLO #HousingMarketUpdate #TheBroker #VeteranLoan #RealEstateNews #MortgageRates #HomeBuyingTips #StayInformed #marketmoves

🔴 Subscribe for more free Market Updates : https://www.youtube.com/?sub_confirmation=1

🔴 Share this video with a YouTuber friend: https://youtu.be/fdyd7rcneD8

🔑 If you are a first time home buyer I understand that looking online for answers can be overwhelming, I am here to give you facts (some opinions) but mostly what I am seeing in the market right now.

Here at The Broker Mortgage Hawaii we strive to serve you!

The housing market and interest rates are probably the last thing you would think about!

Please comment below and let me know what you think!

Mortgages and especially VA loans are my passion!

I am licensed in 4 states for purchase and refinances.

✅ Here is how to contact me:

1️⃣ Take the first step to homeownership! Get pre-approved in under 2 minutes at my website: https://larrythelo.com/
2️⃣ Give me a call 📞 808-348-5287

Social Media Handle:

👉 Instagram - www.instagram.com/larrythelo
👉 Facebook - https://www.facebook.com/LarrytheLO

_________

Larry Gonzales, Sales Manager / Senior Loan Officer CDR USN (RET) NMLS 1452722 at The Broker Mortgage

Branch Address: 1116 Volvo Pkwy, Ste 109, Chesapeake, VA 23320
Top VA Lender in Hawaii 2018-2022

✅ More Helpful Content:

👉 Myths About the VA Benefit: https://www.youtube.com/watch?v=GXOy_...

👉 Who is Eligible for the VA Home Loan Benefit: https://www.youtube.com/watch?v=GQ46r...

👉 What Can You BUY With Your VA Benefit?: https://www.youtube.com/watch?v=3YbR2...

👉 You Can Buy a MULTI-MILLION Dollar Home with NO Down Payment?: https://www.youtube.com/watch?v=LtX1j...

State License Numbers: HI, VA, NC

All information contained herein is for informational purposes only and, while every effort has been made to ensure accuracy, no guarantee is expressed or implied. Any programs shown do not demonstrate all options or pricing structures. Rates, terms, programs and underwriting policies subject to change without notice. This is not an offer to extend credit or a commitment to lend. All loans subject to underwriting approval. Some products may not be available in all states and restrictions apply. Equal Housing Opportunity.

#housingmarketupdate #housingmarketforecast #housingmarketupdate

Last week was a rollercoaster.

We saw the lowest interest rates since October 2024, a surprise jobs report, shifting tariff news, and some Fed speak that had everyone guessing.

Now as we roll into this week, all eyes are on inflation data.

CPI drops Thursday. PPI hits Friday.

These reports could push rates even lower… or bounce them right back up.

So if you’re thinking, “Should I wait to buy a home or lock in now?”—you’re not alone.

I break it all down in this week’s Monday Rate Update.

Let’s make smarter moves together. Watch the full video now and stay ahead of the market curve. 📲

#LarrytheLO #TheBroker #veteranloan #MondayRateUpdate #MortgageTips #InterestRates #RealTalkWithLarry #Homebuying2025

🔴 Subscribe for more free Market Updates : https://www.youtube.com/?sub_confirmation=1

🔴 Share this video with a YouTuber friend: https://youtu.be/fdyd7rcneD8

🔑 If you are a first time home buyer I understand that looking online for answers can be overwhelming, I am here to give you facts (some opinions) but mostly what I am seeing in the market right now.

Here at The Broker Mortgage Hawaii we strive to serve you!

The housing market and interest rates are probably the last thing you would think about!

Please comment below and let me know what you think!

Mortgages and especially VA loans are my passion!

I am licensed in 4 states for purchase and refinances.

✅ Here is how to contact me:

1️⃣ Take the first step to homeownership! Get pre-approved in under 2 minutes at my website: https://larrythelo.com/
2️⃣ Give me a call 📞 808-348-5287

Social Media Handle:

👉 Instagram - www.instagram.com/larrythelo
👉 Facebook - https://www.facebook.com/LarrytheLO

_________

Larry Gonzales, Sales Manager / Senior Loan Officer CDR USN (RET) NMLS 1452722 at The Broker Mortgage

Branch Address: 1116 Volvo Pkwy, Ste 109, Chesapeake, VA 23320
Top VA Lender in Hawaii 2018-2022

✅ More Helpful Content:

👉 Myths About the VA Benefit: https://www.youtube.com/watch?v=GXOy_...

👉 Who is Eligible for the VA Home Loan Benefit: https://www.youtube.com/watch?v=GQ46r...

👉 What Can You BUY With Your VA Benefit?: https://www.youtube.com/watch?v=3YbR2...

👉 You Can Buy a MULTI-MILLION Dollar Home with NO Down Payment?: https://www.youtube.com/watch?v=LtX1j...

State License Numbers: HI, VA, NC

All information contained herein is for informational purposes only and, while every effort has been made to ensure accuracy, no guarantee is expressed or implied. Any programs shown do not demonstrate all options or pricing structures. Rates, terms, programs and underwriting policies subject to change without notice. This is not an offer to extend credit or a commitment to lend. All loans subject to underwriting approval. Some products may not be available in all states and restrictions apply. Equal Housing Opportunity.

#housingmarketupdate #housingmarketforecast #housingmarketupdate

After a shocking jobs report, mortgage rates have plunged! Stay up to date on the latest housing market trends and how this affects home sellers and buyers.

With rates dropping, many are wondering if they will stay low. Stay informed on the housing market, mortgage rates, and more in this video.

Last week was a rollercoaster.

We saw the lowest interest rates since October 2024, a surprise jobs report, shifting tariff news, and some Fed speak that had everyone guessing.

Now as we roll into this week, all eyes are on inflation data.

CPI drops Thursday. PPI hits Friday.

These reports could push rates even lower… or bounce them right back up.

So if you’re thinking, “Should I wait to buy a home or lock in now?”—you’re not alone.

I break it all down in this week’s Monday Rate Update.

Let’s make smarter moves together. Watch the full video now and stay ahead of the market curve. 📲

#LarrytheLO #TheBroker #veteranloan #MondayRateUpdate #MortgageTips #InterestRates #RealTalkWithLarry #Homebuying2025"

🔴 Subscribe for more free Market Updates : https://www.youtube.com/?sub_confirmation=1

🔴 Share this video with a YouTuber friend: https://youtu.be/fdyd7rcneD8

🔑 If you are a first time home buyer I understand that looking online for answers can be overwhelming, I am here to give you facts (some opinions) but mostly what I am seeing in the market right now.

Here at The Broker Mortgage Hawaii we strive to serve you!

The housing market and interest rates are probably the last thing you would think about!

Please comment below and let me know what you think!

Mortgages and especially VA loans are my passion!

I am licensed in 4 states for purchase and refinances.

✅ Here is how to contact me:

1️⃣ Take the first step to homeownership! Get pre-approved in under 2 minutes at my website: https://larrythelo.com/
2️⃣ Give me a call 📞 808-348-5287

Social Media Handle:

👉 Instagram - www.instagram.com/larrythelo
👉 Facebook - https://www.facebook.com/LarrytheLO

_________

Larry Gonzales, Sales Manager / Senior Loan Officer CDR USN (RET) NMLS 1452722 at The Broker Mortgage

Branch Address: 1116 Volvo Pkwy, Ste 109, Chesapeake, VA 23320
Top VA Lender in Hawaii 2018-2022

✅ More Helpful Content:

👉 Myths About the VA Benefit: https://www.youtube.com/watch?v=GXOy_...

👉 Who is Eligible for the VA Home Loan Benefit: https://www.youtube.com/watch?v=GQ46r...

👉 What Can You BUY With Your VA Benefit?: https://www.youtube.com/watch?v=3YbR2...

👉 You Can Buy a MULTI-MILLION Dollar Home with NO Down Payment?: https://www.youtube.com/watch?v=LtX1j...

State License Numbers: HI, VA, NC

All information contained herein is for informational purposes only and, while every effort has been made to ensure accuracy, no guarantee is expressed or implied.

Any programs shown do not demonstrate all options or pricing structures. Rates, terms, programs and underwriting policies subject to change without notice.

This is not an offer to extend credit or a commitment to lend. All loans subject to underwriting approval.

Some products may not be available in all states and restrictions apply.

Equal Housing Opportunity.

#housingmarketupdate #housingmarketforecast #housingmarketupdate

Looking to buy or sell a home? Get ready for the housing market on April 4th, 2025! Stay updated on mortgage rates, home pricing, and real estate trends.

What a wild week, y’all. Mortgage rates dipped to their lowest since October, inventory is rising across the country, and people are throwing around the word "recession" like it's candy.

But what does it all really mean for you—whether you're buying, selling, or still renting?

Let’s break it all down, one real-talk moment at a time.

—

HIGHLIGHTS:

0:44 – What’s behind this green-light drop in rates
1:15 – The recession chatter: real or noise?
2:08 – ADP Jobs Report: A surprise comeback
3:25 – JOLTS & Atlanta Fed GDP downgrade
4:35 – BLS Report: Big job gains, but wage growth stalls
6:10 – Unemployment “up” (barely) and what that means
8:15 – Are we heading into a recession?
10:40 – Trump tariffs and why investors are nervous
12:32 – Will a recession crash the housing market? (Spoiler: Nope.)
15:01 – Why today’s low supply is nothing like 2008
16:15 – Short-term recession fears vs. long-term fundamentals
18:05 – Rent vs. Buy: The wealth gap is real
20:20 – First home ≠ forever home: leverage it
22:30 – Why “waiting for rates to drop” could cost you
23:45 – VA mortgage rate update: Huge drop this week
25:20 – Next week: Inflation reports (CPI & PPI) incoming
26:15 – What this all means for buyers & sellers right now
28:00 – Final thoughts and what’s coming next

—

💬 Real Talk from Me to You

If you’ve been sitting on the sidelines, waiting for “the perfect moment” — I get it.

But here’s the deal: the market doesn’t wait. Rent keeps climbing. Inventory is still tight. And even with all the headlines, homeownership continues to be the #1 way everyday Americans build real wealth.

Whether you're thinking about buying, selling, or refinancing… this stuff matters. And I’m here to help you make sense of it.

—

📣 Let’s Connect
👇 Drop a comment if:

You’re thinking about jumping into the market

You’re still on the fence and want some clarity

You’ve got questions about what this all means for you

👍 Like this video if it helped you feel more confident
📬 Subscribe for weekly market breakdowns (no fluff, just facts)
🔔 Hit that bell so you don’t miss next week’s deep dive:
""Should I wait for rates to drop… or buy now?""

Catch you in the next one.

ALOHA!

🔴 Subscribe for more free Market Updates : https://www.youtube.com/?sub_confirmation=1

🔴 Share this video with a YouTuber friend: https://youtu.be/fdyd7rcneD8

🔑 If you are a first time home buyer I understand that looking online for answers can be overwhelming, I am here to give you facts (some opinions) but mostly what I am seeing in the market right now.

Here at The Broker Mortgage Hawaii we strive to serve you!

The housing market and interest rates are probably the last thing you would think about!

Please comment below and let me know what you think!

Mortgages and especially VA loans are my passion!

I am licensed in 4 states for purchase and refinances.

✅ Here is how to contact me:

1️⃣ Take the first step to homeownership! Get pre-approved in under 2 minutes at my website: https://larrythelo.com/
2️⃣ Give me a call 📞 808-348-5287

Social Media Handle:

👉 Instagram - www.instagram.com/larrythelo
👉 Facebook - https://www.facebook.com/LarrytheLO

_________

Larry Gonzales, Sales Manager / Senior Loan Officer CDR USN (RET) NMLS 1452722 at The Broker Mortgage

Branch Address: 1116 Volvo Pkwy, Ste 109, Chesapeake, VA 23320
Top VA Lender in Hawaii 2018-2022

✅ More Helpful Content:

👉 Myths About the VA Benefit: https://www.youtube.com/watch?v=GXOy_...

👉 Who is Eligible for the VA Home Loan Benefit: https://www.youtube.com/watch?v=GQ46r...

👉 What Can You BUY With Your VA Benefit?: https://www.youtube.com/watch?v=3YbR2...

👉 You Can Buy a MULTI-MILLION Dollar Home with NO Down Payment?: https://www.youtube.com/watch?v=LtX1j...

State License Numbers: HI, VA, NC

All information contained herein is for informational purposes only and, while every effort has been made to ensure accuracy, no guarantee is expressed or implied.

Any programs shown do not demonstrate all options or pricing structures.

Rates, terms, programs and underwriting policies subject to change without notice.

This is not an offer to extend credit or a commitment to lend.

All loans subject to underwriting approval.

Some products may not be available in all states and restrictions apply.

Equal Housing Opportunity.

#housingmarketupdate #housingmarketforecast #housingmarketupdate

VA rates are holding strong—and that’s a good sign. 🇺🇸💪

We wrapped the week just under 6.25%, and heading into jobs week, I’m optimistic.

If job numbers cool off like I expect, we could see VA rates dip closer to that sweet 6% mark.

That’s big news for our veterans looking to lock in a mortgage right now.

I’m tracking this stuff daily so you don’t have to.

If you're buying, refinancing, or just curious what’s next—this is for you.

🎥 Check out the full Housing Market Update to see where we’re headed next.
🎥 https://youtu.be/1feeuD-E5JA

#LarrytheLO #VeteranLoan #VARates #TheBroker #MortgageUpdate #RealEstateNews #HousingMarketTips

Curious about why home prices are dropping in certain states? Watch this video to learn more about the housing market, mortgage rates, and real estate trends that may be affecting home sellers.

Inventory is rising—everywhere. 📈

I’m seeing it here locally in Hawaii, and it’s happening across the country too.

California, Maine, Arizona... some states are seeing 40% increases.

But here’s the kicker: even with more homes on the market, we’re seeing 3.5% fewer contracts than this time last year.

That’s the high-rate environment showing its teeth.

The market’s shifting, and if you’re a buyer, seller, or just watching from the sidelines, you need to know what this means for you.

🎥 I broke it all down in this month’s Housing Market Update—no fluff, just facts and what it means for your next move.

👉 Tap the link to watch the full video now. Let’s navigate this together.
👉 https://youtu.be/1feeuD-E5JA

#LarrytheLO #TheBroker #VeteranLoan #HousingMarketUpdate #RealEstateTips #MortgageNews #HomeBuyingJourney

Stay up to date on the latest housing market trends with our weekly update for 2024.

Find out about price surges, mortgage rates, and more impacting home sellers and buyers.

Don't miss out on crucial information about the real estate market!

Even if you're paying $1,000/month out of pocket, keeping & renting out your home could still be the smarter financial move.

Here’s why:

💰 $1,333/month in tax savings
📈 $87,000 in appreciation over 4 years
🏠 Keep your valuable asset instead of losing $50,000 today

Short-term pain, long-term gain—that’s the game. Still unsure?

DM me and let’s crunch YOUR numbers together.

📲 Watch the full reel now! 🎥👇

#LarrytheLO #TheBroker #VeteranLoan #RealEstateWealth #homeownershiptips