Written by Chase Majerus

Refinancing in October

Welcome to This Week Today, your quick and witty take on everything financial and real estate. This week, we’re diving into real estate debt that’s outperforming even Nvidia, a spooky blast from the past with the Poltergeist house for sale, and an entertaining recap of the VP housing debate—think politics, but make it HGTV.

We’ve also got tips on whether refinancing your mortgage this October is genius or just a gamble, and how to get paid to make your home greener (thank you, Inflation Reduction Act). Grab your candy corn (just kidding, that’s such gross candy) and let’s explore!

Today's Agenda:

A quick link to the article of your choice

Keychain: Warming Stronger Than Nvidia?

Major Manor: Buy a Piece of Horror History

Social Space: Synergy One Acquiring National Lender

Financial Fitness: Energy Efficiency

Keychain: Housing Market VP Debate Recap

Vlog: Don’t Wait To Talk To A Loan Officer

Today's Agenda:

A Quick Link to the article of your choice

Keychain: Warming Stronger Than Nvidia?

Major Manor: Buy a Piece of Horror History

Social Space: Synergy One Acquiring National Lender

Financial Fitness: Energy Efficiency

Keychain: Housing Market VP Debate Recap

Vlog: Don’t Wait To Talk To A Loan Officer

S1L Home Equity Loan

Use Your Home For The Best Future Gains

A home equity line of credit, or HELOC, lets you borrow against your home’s available equity. Applying for a HELOC with Synergy One Lending is fast and easy. Our application is fast, easy, and all online. If pre-approved, you’ll be instantly presented with your offer options.

Keychain

Warming Stronger Than Nvidia?

The riskiest real estate debt—hybrids—has turned into a massive win, with returns up to 170%, making Nvidia’s stock gains look like pocket change. Landlords’ “junk” bonds were left for dead, but with central banks slashing rates, they’re back like a sequel nobody saw coming. Investors gambled on falling inflation and debt refinancing, and boy, did they hit the jackpot.

Now, as optimism brews, some are wondering if there’s any juice left or if they’re just sipping on ice. Meanwhile, in China, they’re throwing money around like a kid in a candy store, and in the US, mergers are making the bond market pop like champagne.

Major Manor

Buy a Piece of Horror History

The iconic house from the 1982 horror movie “Poltergeist” has hit the market for $1.17 million, ready for a brave buyer to call it home. Located in Simi Valley, CA, the four-bedroom house assures potential buyers that it’s “clean”—no ghosts included (hopefully).

Sure, it’s not exactly a mansion, but it’s got a pretty important place in movie history, and with Halloween around the corner, a spooky-themed house is totally on point. The listing even cheekily mentions that the backyard is safer for a pool than a portal to another dimension—good news for buyers who prefer their homes ghost-free.

And while the kitchen might not freakishly stack chairs anymore, it’s still the same one from the movie, ready for some supernatural nostalgia.

See more about the home here

Financial Fitness

Energy Efficiency; For The Earth And Your Wallet

A wave of energy efficiency rebates is hitting the U.S., with many states rolling out programs funded by the Inflation Reduction Act to help consumers save on energy-efficient home upgrades. New York led the way in May, with states like Arizona, Maine, and Wisconsin following suit, while South Dakota stood out by refusing the funds entirely.

These programs offer rebates of up to $14,000 for upgrades like efficient appliances and insulation, aiming to reduce carbon emissions and household energy costs. Florida, initially hesitant, changed its stance and is gearing up for a rebate program launch in 2025.

The key takeaway for consumers is the importance of staying financially fit—taking advantage of these incentives can help households cut long-term energy expenses, improve their home’s value, and reduce monthly bills. Financial fitness isn’t just about savings accounts and investments; it’s about smart, future-focused spending that can build both sustainability and economic resilience.

For more on financial fitness, check out our app S1 FinFit, the last financial app you’ll ever need!

S1 FinFit App

Digital financial assistant at your fingertips

S1 FinFit is a FREE app that provides a roadmap to help you reach your financial and lifestyle goals, no matter how big or small! Free credit monitoring with alerts, set financial goals, create budgets, and keep track of your spending to see where your money is going.

Download the app on the appropriate app store with the links below!

Keychain

Housing Market VP Debate Recap

In the recent VP debate, Tim Walz and JD Vance faced off on housing policy, each armed with very different solutions to the crisis. Here’s a lighthearted breakdown of where each candidate stands—think of it as real estate politics, but with a twist of humor.

Tim Walz:

Walz is all about housing stability is life stability, pushing for government-backed downpayment assistance like the home loans veterans get—just without the boot camp. He thinks local governments should cut the red tape so more homes can be built without bureaucratic gymnastics.

He’s not here to blame immigrants for high housing costs but is definitely here to blame anyone treating homes like stocks in a casino. Also, he’s a big fan of refurbishing old homes—because, why build when you can HGTV your way to greatness?

JD Vance:

Vance wants fewer regulations and more houses—preferably built on federal land, but don’t worry, he swears it’s not the national park where you camp every summer. He says energy costs and immigration are the real culprits behind sky-high housing prices, and wants Kamala to stop campaigning and start building.

He has a bone to pick with treating housing as a commodity, but also thinks the biggest problem is illegal immigrants competing for those very same homes. If you’ve got an old pickup truck and a dream, Vance’s America is ready to build some houses—and maybe kick a few folks out while we’re at it.

Vlog

Don’t Wait To Talk To A Loan Officer

Here’s a life lesson for you: if you think you’re ready to buy a home, don’t play it cool—talk to a mortgage lender or loan officer now.

You might feel ready, like when you confidently stroll into a buffet thinking you can tackle everything, only to realize you should’ve started with a game plan.

The catch?

Sometimes there’s more to buying a home than just the desire for it. You might need to polish up that credit score, or maybe your collection of freelance gig pay stubs looks like a confetti explosion instead of consistent income. No one likes surprises—unless it’s a surprise pizza delivery—so do yourself a favor and talk to a loan officer early. They’ll help you avoid those unexpected “gotchas” and set you up for homeownership success.

At Synergy One Lending, we’re all about making the mortgage experience modern, stress-free, and—dare we say—pleasant.

Being proactive is the way to go. Set yourself up for success, skip the credit score panic attacks, and get on the fast track to that shiny new set of house keys.

Because the only thing scarier than mortgage paperwork should be your Halloween decor, not discovering too late that you need to make financial adjustments.

Watch the full video here

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Refinancing in October

Today's Agenda:

A quick link to the article of your choice

Today's Agenda:

A Quick Link to the article of your choice