Larry Gonzales

Mortgage rates look calm but there’s pressure building underneath.
This week, the Strait of Hormuz, oil prices, Fed meeting minutes, and ongoing Fed rate-hike concerns could determine where mortgage rates head next. Larry also explains why waiting for the “perfect” rate could cost buyers opportunities in today’s Oʻahu market.

Current National Mortgage Rate Snapshot:
🇺🇸 VA: ~6.31%
🏠 Conventional 30-Year Fixed: ~6.70%+

📌 Video Chapters
00:00 Mortgage Rates: Calm on the Surface
01:00 Current VA & Conventional Rates
02:30 This Week's Economic Calendar
04:30 Fed Meeting Minutes & September Rate Hike
06:30 Strait of Hormuz & Oil Prices
10:30 Why Oil Could Push Mortgage Rates Higher
12:30 Fed Rate Hike Odds & Fed Chair Warsh
16:00 Should You Wait for Mortgage Rates to Fall?
18:30 U.S.-China Trade Truce
20:00 The Cost of Waiting to Buy
23:00 Seller Credits & Rate Buydowns
25:30 When Should You Lock Your Rate?
28:00 Housing Reports to Watch
29:30 Bottom Line & Subscribe

👍 Subscribe to Larry the LO for weekly mortgage rate updates, housing market news, VA loan education, and strategies to help you become a successful homeowner.

#mortgagerates #MondayRateUpdate #valoan #federalreserve #interestrates #housingmarket #hawaiirealestate #homebuying #LarryTheLO

Oʻahu Realtors: The Pitch is a Hawaiʻi real estate networking event where agents pitch listings, share what their buyers are looking for, and connect with other real estate professionals.

Instead of getting just 5–10 seconds to pitch a listing, agents have an opportunity to actually connect, share properties, and find potential matches between buyers and listings.

🏠 Pitch your listings
🔎 Share your buyer needs
🤝 Network with Oʻahu Realtors
🎯 Match buyers with properties

And these matches aren't hypothetical—they're actually happening at The Pitch.

Plus… free tacos and M&Ms: Margaritas & Modelos. 🌮😂

👉 Subscribe for more Hawaiʻi real estate, mortgage, and business conversations.

Video Chapters:
00:00 What Is The Pitch?
00:15 Why 10 Seconds Isn't Enough
00:30 Pitch Your Listings
00:45 Match Buyers With Properties
01:00 Networking, Tacos & M&Ms

#thepitch #HawaiiRealtors #OahuRealtors #oahurealestate #RealtorNetworking #hawaiirealestate #shorts

Oʻahu doesn't have one housing market—we have two very different markets.

Single-family home inventory remains tight in many Oʻahu communities, while condo buyers have more inventory and potentially more negotiating power.

But more choices don't automatically mean better choices.

Condo buyers need to understand the property, HOA, insurance, assessments, reserves, and overall financial health of the project before making a decision.

▶️ Watch the full Housing Market Update for my complete Oʻahu housing market breakdown.

👉 Subscribe for weekly Hawaiʻi housing market updates, mortgage news, and homebuying education.

#oahurealestate #hawaiirealestate #condobuying #housingmarket #shorts

Will the Federal Reserve raise interest rates in September?

The upcoming CPI and PPI inflation reports could play an important role in shaping expectations.

CPI tracks consumer inflation, while PPI measures price changes from the producer side. With energy prices and geopolitical uncertainty continuing to influence inflation expectations, markets will be watching both reports closely.

▶️ Watch the full Housing Market Update for the complete mortgage rate, inflation, and housing market breakdown.

👉 Subscribe for weekly mortgage rate updates, housing market news, and homebuying education.

#mortgagerates #federalreserve #cpi #inflation #shorts

Welcome to this week’s Housing Market Update!

Finally, some good news: mortgage rates dropped for the first time in six weeks. Cooler inflation helped rates move lower, while the odds of a September Fed rate hike fell to around 38%.

Larry Gonzales breaks down the latest CPI and PPI inflation reports, current mortgage rates, Oʻahu’s housing market, opportunities for condo buyers, and what homeowners and buyers should watch next.

Current Mortgage Rates:
🇺🇸 VA: ~6.46%
🏠 Conventional 30-Year Fixed: ~6.67%

📌 Video Chapters

00:00 Inflation Is Cooling
00:45 Mortgage Rates Finally Drop
01:30 Existing Home Sales Decline
02:30 CPI Inflation Comes in Cooler
04:20 PPI & Core Inflation
06:30 Why PCE Matters for the Fed
08:15 Existing Home Sales Update
10:00 Current VA & Conventional Rates
11:30 September Fed Rate Hike Odds
14:30 Oʻahu Housing Market Update
17:30 Condo Buyer Opportunities & Seller Credits
20:30 4 Reasons to Consider Buying a Home
25:00 Should You Pay Off Credit Cards Before Buying?
29:30 What NOT to Do With Your Credit
32:00 What's Next for Rates & the Fed
34:00 Subscribe & Final Thoughts

👍 Subscribe for weekly Housing Market Updates, mortgage news, homebuying strategies, and financial education.

📞 Questions about buying, refinancing, or using your VA loan?
Visit LarryTheLO.com

#MortgageRates #HousingMarketUpdate #HawaiiRealEstate #OahuRealEstate #Inflation #VALoan #FederalReserve #HomeBuying #FirstTimeHomeBuyer #LarryTheLO

Are higher mortgage rates always a bad thing?

Not necessarily.

In this episode of In Search of Excellence: Island Style, we discuss how today's market gives many buyers something they didn't have when rates were 2–3%:

More negotiating power.

More inventory.

More opportunities to secure seller concessions.

Buying a home isn't just about the interest rate—it's about understanding the overall market.

▶️ Watch the full episode for more conversations on homeownership, mortgage strategies, and financial literacy.

🎧 Listen on Spotify & Apple Podcasts.

👉 Subscribe for practical conversations that help you make smarter real estate decisions.

#mortgagerates #homebuying #housingmarket #realestate #shorts

Oʻahu home prices are up 13.9% year over year but single-family homes and condos are telling very different stories.

According to the July HBR data discussed in this week's Housing Market Update, the median single-family home sales price is over $1.224 million, with just 3.2 months of remaining inventory.

Meanwhile, the condo market has approximately 7 months of inventory, creating very different conditions for buyers and sellers.

▶️ Watch the full Housing Market Update for the complete July Oʻahu housing market breakdown.

👉 Subscribe for weekly Hawaiʻi housing market updates, mortgage news, and homebuying education.

#oahurealestate #hawaiirealestate #housingmarket #homeprices #shorts

What if your daily commute could change your financial future?

In this episode of In Search of Excellence: Island Style, our guest shares how "H1 University"—hours spent listening to audiobooks and podcasts while driving—helped transform a 500-something credit score into a completely different financial path.

Financial education doesn't always happen in a classroom.

Sometimes it happens one commute at a time.

▶️ Watch the full episode for more conversations about financial literacy, leadership, and homeownership.

🎧 Listen on Spotify & Apple Podcasts.

👉 Subscribe for inspiring stories and practical financial education.

#financialliteracy #creditscore #homeownership #personalgrowth #shorts

The July ADP jobs report showed private employers added just 44,000 jobs, signaling a meaningful slowdown in hiring.

Does that mean the labor market is headed for trouble? Not necessarily but weaker hiring is an important economic signal that markets and the Federal Reserve will be watching closely.

And for homebuyers, weaker economic data can eventually influence Treasury yields and mortgage rates.

▶️ Watch the full Housing Market Update for the complete jobs, mortgage rate, and housing market breakdown.

👉 Subscribe for weekly mortgage rate updates and homebuying education.

#jobsreport #mortgagerates #adp #economy #housingmarket #shorts