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In this episode of SOLD by MC, I’m joined by David Frankel, Senior VP of Mortgage Lending at Guaranteed Rate, former real estate agent and broker, and one of the most trusted lending voices in the Philly market.


David breaks down what buyers think they know about today’s market versus what’s actually happening behind the scenes — including why this moment might hold more opportunity than people realize. We talk about rate myths, why timing your primary residence matters, the truth behind “buy now, refi later,” and the mortgage products most buyers don’t even know exist.


For agents, David shares the biggest mistakes he sees during pre-approvals, what top-performing agents consistently do, and how to strengthen your buyer’s offer without changing the price.


And of course, we wrap up with the SOLD by MC signature quick-fire round — including David’s cheesesteak order and which Philly neighborhood he’d be based on personality.


Whether you’re a new agent, a seasoned pro, or a buyer trying to make sense of this market, this episode is full of clarity, strategy, and untapped opportunity.


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Real Stories & Strategy from Philly Real Estate