Always on Point Podcast

Always on Point Mortgage Learning Center

Practical mortgage education, home buying strategies, home selling insights and market updates to help you make confident real estate decisions.

Welcome to the Always on Point Mortgage Learning Center, your trusted source for mortgage education and real estate insights from Wisconsin mortgage lender Kristen Ambos. Each episode is created to simplify the mortgage process, answer common home financing questions and provide practical advice for buyers, homeowners, sellers and real estate professionals.

Browse the featured podcast episodes below to listen, read episode summaries, review frequently asked questions and explore complete transcripts. Whether you're purchasing your first home, moving into your next one, refinancing or simply staying informed about today's housing market, you'll find educational resources designed to help you make informed financial decisions.

Episode 25

Mortgage Rates and Loan Strategy

Stop Waiting for 3% Mortgage Rates

Kristen Ambos explains why waiting for historically low mortgage rates could cost buyers more and what to consider when comparing fixed-rate and adjustable-rate mortgages.

Kristen Ambos

Chief Production Officer
Mortgage Loan Originator, NMLS #239731

#1 Female MLO in Wisconsin
By purchase percentage in Wisconsin, 2022 through 2024

Point Mortgage Corporation
1050 Lynndale Drive
Appleton, WI 54914

This webpage is provided for general educational purposes only and should not be considered financial, legal, tax, or investment advice. Mortgage programs, interest rates, underwriting guidelines, qualification requirements, and loan availability are subject to change without notice. Loan approval is subject to credit approval, property eligibility, and applicable program requirements. Please consult with a licensed mortgage professional regarding your individual financial situation.

Copyright © 2026. All rights reserved. Equal Housing Lender. Point Mortgage Corporation. NMLS #231073. 1061 Tierra Del Rey, Suite 205, Chula Vista, CA 91910. Phone: 619-475-4095. Toll-Free Number: 844-835-0681. Fax: 619-270-2500. www.pointmtg.com. For legal questions email: compliance@pointmtg.com.