Debits and Credits Podcast is a professional podcast presented by Haas and Dawe and hosted by Michael C. Haas, CPA. The show explores key issues at the intersection of taxes, real estate, and escrow, with a focus on California’s highly regulated environment. Through concise, educational episodes, listeners gain clarity on compliance, financial decision-making, and industry changes that impact escrow companies, business owners, and real estate professionals.
Ep. 36 - Interest Rates and the Fed: What It Means for Real Estate
In this episode of Debits & Credits, Michael C. Haas, CPA, discusses the Federal Reserve’s recent interest rate increase and what it could mean for the real estate, title, and escrow industries.
Michael explains the relationship between Fed policy and mortgage rates, the potential impact on home sales and refinancing, and alternative financing options such as seller carrybacks and all-inclusive trust deeds (AITDs). He also discusses important tax considerations when comparing homeownership with renting, including mortgage interest and property tax deductions.
Subscribe to Debits & Credits for practical accounting, tax, escrow, real estate, and business finance guidance from Haas & Dawe, An Accountancy Corporation.
#InterestRates #FederalReserve #MortgageRates #RealEstate #Escrow #TitleCompany #HomeBuying #SellerFinancing #FHALoans #CPA #DebitsAndCredits
29 Sept 2026
Ep. 35 - The Ledge: An Optimistic Outlook for the Real Estate Market
With uncertainty surrounding the economy and real estate market, it can be easy for buyers, sellers, and industry professionals to become discouraged. In this episode of Debits & Credits, Michael C. Haas, CPA, talks listeners “off the ledge” by putting today’s market into historical perspective.
Michael looks back at real estate cycles over the decades, including the mortgage meltdown, and explains why challenging markets eventually change. He also discusses opportunities for homebuyers through FHA loans, first-time homebuyer programs, and VA loans for veterans.
Looking ahead, Michael shares his outlook for the real estate market and why he believes transactions could begin increasing over the next six months, creating a more encouraging environment for buyers and sellers by the end of the year.
Subscribe to Debits & Credits for practical perspectives on accounting, taxes, escrow, real estate, and business finance from Haas & Dawe, An Accountancy Corporation.
#RealEstateMarket #HomeBuying #FirstTimeHomeBuyer #FHALoans #VALoans #Mortgage #Escrow #TitleCompany #RealEstate #CPA #DebitsAndCredits
In this episode of Debits & Credits, Michael C. Haas, CPA, discusses what you should consider when choosing a banking partner. He covers the importance of finding a bank that understands the escrow and title industry, fiduciary and trust accounting, and the unique demands of handling customer funds.
Michael also discusses customer service, dedicated banking representatives, online banking capabilities, and essential fraud prevention tools such as positive pay, ACH blocking, wire approvals, multi-factor authentication, and account alerts. And while analysis credits and banking rates matter, Michael explains why they shouldn't be the only factors in your decision.
Subscribe to Debits & Credits for practical accounting, tax, escrow, title, and compliance guidance from Haas & Dawe, An Accountancy Corporation.
#Escrow #TitleCompany #EscrowCompany #TrustAccounts #EscrowBanking #BankFraud #WireFraud #FraudPrevention #TrustAccounting #Banking #CPA #DebitsAndCredits
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