Finance with Fernando

I sat down with credit expert Micah Smith, founder of Micah Abigail Credit Solutions, to talk about everything credit: boosting your scores, understanding credit bureaus, and how to handle old debts like a pro. If you're serious about building/improving your credit, this episode is a must watch! Follow Micah @FitCreditDoctor on IG or call 516-377-6053

In this episode, we delve into the contentious and complex world of landlord-tenant relationships. We start by exploring the perception that landlords have unlimited financial resources but choose not to make necessary upgrades or improvements to their properties. Next, we discuss the controversial idea that landlords intentionally seek to financially harm their tenants. Finally, we address the sentiment among tenants that landlords want to keep them renting indefinitely and do not support their efforts to achieve homeownership. Tune in for a deep dive into these hot-button issues and their broader implications on the housing market.

In this episode of Finance with Fernando, we welcome Yvette Sanchez, the owner of Your CBD Store in Wappingers Falls and White Plains, New York. Yvette shares her expertise on the benefits of CBD, including how it can improve sleep quality, reduce anxiety, and even support you during the stressful process of searching for a new home. Tune in to discover the holistic advantages of CBD and how it can contribute to a balanced and peaceful life. Ready to grow your wealth in Real Estate? Contact me: 914-384-4240 or Fernando.DaCunha@CCM.com Yvette Sanchez Sunmed | Your CBD Store 646-522-7769 shopNY601@getsunmed.com

In this episode, join host Fernando as he sits down with Elka Raved, a seasoned Real Estate Agent from Douglas Elliman, to explore the ins and outs of buying and selling in the prestigious Westchester County, New York. Often hailed as the "Beverly Hills" of New York state, Westchester County is renowned for its luxurious properties and affluent communities. Fernando delves deep into the secrets of navigating this exclusive market with Elka, uncovering the strategies and tactics she employs to ensure her clients secure their dream homes or lucrative sales. Whether you're a seasoned investor or a first-time homebuyer, this episode promises valuable insights and insider tips to help you make informed decisions in the dynamic world of real estate. Tune in to "Finance with Fernando" and unlock the keys to success in Westchester County's high-stakes property market. Connect with Elka on IG @elka.raved or via website: https://elkaraved.elliman.com/

Join us as we chat with Matthew Valvano, a top-tier real estate agent known for his meticulous client vetting, tech-savvy approach, and mastery of daily planning. Discover Matthew's expert strategies for vetting clients before showing homes, ensuring seamless transactions and satisfied clients every time. Explore how technology has revolutionized Matthew's business, from virtual tours to data analytics, and learn how to leverage these tools for success in your own ventures. Uncover Matthew's secrets to supercharging productivity through effective daily planning, with practical tips for setting goals, managing time, and staying focused. Whether you're a real estate professional or aspiring entrepreneur, tune in for invaluable insights from Matthew Valvano on unlocking success in the industry.

In this episode, we're about to spill the beans on the best-kept secret in the mortgage industry: renovation loans. If you've ever dreamed of turning that fixer-upper into your dream home or wondered how to finance those much-needed upgrades, you're in for a treat. Join me as I sit down with the expert himself, Barry Koven from CrossCountry Mortgage, LLC. Barry brings a wealth of knowledge and experience in renovation and construction financing, and he's here to share insider tips, strategies, and demystify the renovation loan process. Discover how renovation loans can be a game-changer, allowing you to transform a property into your vision without breaking the bank. Whether you're a first-time homebuyer eyeing a home that needs a little TLC or a current homeowner looking to remodel, this episode is your guide to navigating the world of renovation financing. Your dream home is just a podcast away!

In this episode, I unpack the chatter surrounding the current real estate market, and everyone who is thinking they need to "Wait for the perfect moment" to buy real estate. It's time to challenge your assumptions, question your doubts, and consider why waiting might not be the wisest choice. Enjoy! Follow me on all social media platforms: @RealMortgageMaverick Have an idea for a future episode? Hit me up ---> RealMortgageMaverick@gmail.com

It's Never A Bad Time To Buy Real Estate! Whether you're a first-time homebuyer, seasoned homeowner or work in the Real Estate industry, you have to watch this episode.

Have you ever heard of a temporary rate buydown for your mortgage? Probably not. This affordability tactic is great when rates are high to allow buyers to have lower payments for a set period of time when they purchase their new home. Whether you're a consumer, or real estate professional, you need to know about temporary buydowns and how they can save you money on real estate! Email me at RealMortgageMaverick@gmail.com to discuss a specific scenario or ask questions. Enjoy!

The Biden Administration made an announcement that FHA (Federal Housing Administration) mortgage insurance premiums will be cut to create more affordability for homebuyers. What are the details and will this be good or bad for the economy? Please like, subscribe and email me at RealMortgageMaverick@gmail.com to collaborate or request topics for the show. Enjoy!

Have you heard the dreaded words when submitting an offer on real estate, "The other offer is cash"? In this episode I explain how you can be a "cash" buyer, even if you don't have enough money to buy the home without a mortgage. Sounds weird right? Maybe fake? Sit back, relax and welcome to #Winning in Real Estate! Link for me on Million Dollar Listing NY: https://youtu.be/dpqqBBQ9gFE My Music Video: https://youtu.be/nKfP9dSmHIs

I get back to basics in this episode and explain what documents are needed to get approved for a home loan. I typically ask for these items when I'm pre-approving a client, and I recommend putting these items together before you head out to view properties. Is there a topic you'd like for me to cover in future videos? Message me through my website: www.MortgageMaverick.net Thank you for your continued support. Be well!

In this episode I had the pleasure of speaking with retired NY state tax assessor, Richard O'Donnell, from O'Donnell & Cullen Property Tax Consultants. Most consumers aren't educated on what may happen to their taxes when buying real estate. Rich answers questions on what to expect after purchasing a home, and how you can prepare before starting the home buying process. He also can help if you already own your home by potentially grieving your taxes. This was a great session and everyone walked away learning something... Hopefully you feel the same! Enjoy!

In this episode I give you 5 tips on what you need to look for when visiting a property before submitting an offer. Whenever I go to view a home I always bring a list of questions and take notes on the condition of the property. These tips should prevent you from wasting money on an inspector for a home you don't truly love. If you'd like for me to speak on a specific topic, feel free to reach out! www.MortgageMaverick.net has all of my contact information. Thank you for your support! Enjoy!

Happy New Year! In this episode I discuss new loan limits for the mortgage industry, increasing inventory (because homes are sitting on the market longer), and how homeowner's have a ton of equity in their homes. Jeffrey Green from Compass joins me for the conversation. This episode is PACKED with great information & data to prepare you for 2023. Thank you for your support and I'll catch you on the next one! --- Support this podcast: https://anchor.fm/mortgagemaverick/support

I chat with my realtor friend Jeffrey Green (jeffrey_green_ny) about what motivates clients to buy or sell a home in a low inventory market. We also explain how first time homebuyers were dictating offers during the COVID real estate market (against buyers paying cash). How temporary rate buy downs can make your home purchase more affordable, and much more! Enjoy the conversation and DM me @RealMortgageMaverick with questions! --- Support this podcast: https://anchor.fm/mortgagemaverick/support

This is a revamp of my popular 3 part series - Income, Assets, Credit. In part 3 (Credit), I explain the importance of credit history when applying for a home loan and how you can prepare you credit before applying. What is revolving utilization? What needs to be done if I have derogatory items on my credit? What are some ways to repair credit in the short term? We cover it all in this episode. Feel free to email me if you'd like me to discuss a specific topic or have questions. RealMortgageMaverick@gmail.com. Enjoy! --- Support this podcast: https://anchor.fm/mortgagemaverick/support

This is a revamp of my popular 3 part series - Income, Assets, Credit. In part 2 I explain the importance of reviewing your assets (bank accounts, investments, etc.) when applying for a loan and how much may be needed to close. What are liquid assets? What are illiquid assets? What accounts can be used to purchase real estate? We cover it all in this episode. Feel free to email me if you'd like me to discuss a specific topic. RealMortgageMaverick@gmail.com. Enjoy! --- Support this podcast: https://anchor.fm/mortgagemaverick/support

This is a revamp of my popular 3 part series - Income, Assets, Credit. In part 1 I explain the importance of discussing your income when applying for a loan and what lenders look for. You'll hear some real life scenarios and what can derail your deal, so you're prepared. Feel free to email me if you'd like me to discuss a specific topic. RealMortgageMaverick@gmail.com. Enjoy! --- Support this podcast: https://anchor.fm/mortgagemaverick/support

I speak with my guest Rahhim Shillingford (Vision Alliance Realty Inc.) about whether real estate is due for a crash or correction. Rates are increasing and home prices are still high. Will the supply and demand for real estate level out naturally, or is an economic-level event in the cards? --- Support this podcast: https://anchor.fm/mortgagemaverick/support

Dizzy Parker and I have a conversation related to interest rates, home prices and what my opinion is on the future market. Similar to other episodes I provide some insight on how to improve your debt to income ratio and what I'm dealing with as a buyer in my personal life (the pain points of a seller's market). If you'd like me to cover a topic or collaborate with me on a future episode, please email me at RealMortgageMaverick@gmail.com. Be well! --- Support this podcast: https://anchor.fm/mortgagemaverick/support

In this episode I chat with Anthony Lise Esq. (Lise Law & Mediation PLLC) and Jeffrey Green (Compass Real Estate) to provide 3 ways that you can make your offer more attractive in today's market - without being a cash buyer! We'll also cover waiving contingencies & other tips so you're in the know. Enjoy! Anthony's Info.: https://www.instagram.com/liselaw/?hl=en Jeffrey's Info.: https://www.compass.com/agents/jeffrey-green/ or on IG: https://www.instagram.com/jeffrey_green_ny/?hl=en --- Support this podcast: https://anchor.fm/mortgagemaverick/support

Jeff Green, Top Producer from Compass Real Estate joins me in this episode to discuss affordability, inventory & how you can make your offer to purchase real estate as strong as possible. Sit back, relax and enjoy the conversation! --- Support this podcast: https://anchor.fm/mortgagemaverick/support

Have you ever applied for a loan and inflated your income or maybe didn't mention something to avoid follow up questions? It's quite common. In this episode I break down why it's important to bring up different aspects of your finances at the application stage for your home loan, instead of avoiding the conversation. When you're working with a lending advisor, we need to uncover the full picture of your finances to make recommendations and provide the probability of approval. Finding out if we may face issues at the beginning of the process allows us to make changes and prepare accordingly. This is the audio from my YouTube video which can be accessed here: https://www.youtube.com/watch?v=z-jWh8Nddrw Now, let's get your home journey started! Enjoy! --- Support this podcast: https://anchor.fm/mortgagemaverick/support

Today on Finance with Fernando I explain the good and bad of buying/selling in a holiday or winter market. This episode may have you rethink your strategy and have you go all-in while others are waiting until Spring to complete their real estate transactions. Wishing you a Happy Holiday & Prosperous New Year! --- Support this podcast: https://anchor.fm/mortgagemaverick/support

In today's episode I have my social media manager, Dizzy Parker, ask questions to achieve his goal of homeownership. The questions and answers aren't scripted, and we follow a conversation-style approach. This episode mimics discussions I have on a daily basis with clients preparing them to take the next step in building wealth. Enjoy! --- Support this podcast: https://anchor.fm/mortgagemaverick/support

In this episode I revisit a topic covered in 2019. 2 years later, amidst a pandemic, the housing market is quite different. I cover what the pros and cons are to either rent or take the plunge and buy a home. Where do you fit into the discussion? Enjoy! --- Support this podcast: https://anchor.fm/mortgagemaverick/support

So you're almost ready to close... YAY!!! It's a whirlwind of emotions: "We need to pack!", "I need to hire a mover", "I need to get checks" In this episode I explain timing and what expectations to have when preparing to close. I discuss how lenders clear loans for closing and why you may be notified only a few days prior to your closing date that you're officially "Authorized to Close". *Spoiler alert: It's not because we want to give you acid reflux* --- Support this podcast: https://anchor.fm/mortgagemaverick/support

On this episode I have Jeffrey Green from Compass Real Estate (@jeffrey_green_ny) on the podcast to discuss how you can remain competitive with a low down payment offer. The current real estate market is causing buyers to pay cash, waive contingencies or put substantial money down - be prepared with these top 3 tips to stay relevant to sellers in your home search! Money is cheap, take advantage. --- Support this podcast: https://anchor.fm/mortgagemaverick/support

REAL ESTATE IS INSANELY HOT RIGHT NOW! I hear it every day since COVID-19 struck (insert eye roll). It's a National trend and you'll need to be prepared if you want to be the winning bid. In this episode I give examples of what my clients (and even myself) have done to be creative with our offers, and how "paying cash" isn't always the best solution. SSE...Subscribe, Share and Enjoy. Knowledge is Power. --- Support this podcast: https://anchor.fm/mortgagemaverick/support

Steven and I discuss how COVID has changed city markets and what's to come. We discuss timing, new construction and whether there are "deals" in NYC. Enjoy! --- Support this podcast: https://anchor.fm/mortgagemaverick/support

Happy New Year!  For the first episode of the year I provide insight on every consumers question related to real estate - Where are current mortgage rates?!?  I discuss a range of market rates, what attributes go into quoting you a rate, and my outlook for the near future. Take advantage of home lending with these record low financing options and build your wealth today! Have a Healthy and Prosperous 2021! --- Support this podcast: https://anchor.fm/mortgagemaverick/support

Did you know that you can be 100 years old and apply for a 30 year home loan? Don't worry, most consumers don't. Your personal demographic doesn't change the opportunity or terms of financing you'll receive. Throughout my career I've had older individuals say "I'm XX years old, I'm sure I can't qualify for a 30 year loan", and I get great pleasure informing them they can if they qualify based on their finances. This is one example of many. I cover the demographic topic in this episode and dissect how lenders use your personal information to lend. Knowledge is Power - Enjoy this dose! --- Support this podcast: https://anchor.fm/mortgagemaverick/support

In this episode I discuss how our world, and how we interact with each other, has transformed during COVID-19. I also give my take on how to deal with certain stressors and what to expect when entering into a business transaction. Enjoy! --- Support this podcast: https://anchor.fm/mortgagemaverick/support

It's a question that's existed since homes were created: Is it better to own or rent real estate? This episode discusses the Pros and Cons of both scenarios, and puts the debate to rest. Enjoy! --- Support this podcast: https://anchor.fm/FernandoMortgage/support

I share a brief background on how I chose real estate finance as my career. I discuss the companies I've worked for and the experience received allowing me to become a multistate lender. --- Support this podcast: https://anchor.fm/FernandoMortgage/support

Want to buy a house but still keep cash in your pocket after closing? Trying to negotiate a buy/sell while keeping your clients happy? Maybe a concession or credit can help! This episode explains what the difference is between a Seller's Concession & a Seller's Credit. They're often mixed up or unheard of. Learn what they are and start using them effectively. Happy Listening! --- Support this podcast: https://anchor.fm/FernandoMortgage/support

I discuss the recent housing rate market since the COVID-19 outbreak. You'll also hear me speak of the short term effects on real estate/rates, and what my outlook will be for real estate in Q2. Enjoy! --- Support this podcast: https://anchor.fm/FernandoMortgage/support

I discuss key topics that someone who's self-employed should know before trying to finance a home. Enjoy! --- Support this podcast: https://anchor.fm/FernandoMortgage/support

What was your resolution for 2020? Everyone makes one right? This year I didn't - I made goals. I cover 7 things I've incorporated into my personal/business life to make myself a better person, and hopefully everyone around me. --- Support this podcast: https://anchor.fm/FernandoMortgage/support

The final episode recorded in 2019!!!  In this episode we speak with two agents, Jennifer Alese and Ivy Kramp, from the 3rd ranked sales team in the United States by Volume - The Serhant Team.  Jennifer Alese oversees 1 Billion + (yes that's a B for BILLION) in new construction inventory for The Serhant Team. Her current projects include 550 Vanderbilt Avenue, 550 West 29th Street, 101 Wall Street, 41 Great Jones Street, and 24-16 QPS. In 2018 alone, Ivy Kramp recorded $120M in sales, and in her career has closed nearly 1000 transactions throughout the city covering everything from condo and co-op resales to townhouses and selling out entire new developments. We discuss the market in 2019 and what's in store for 2020 and beyond. The audio (and video posted on our social media - see details below) was shot in one take and follows a conversational flow as opposed to being rehearsed. The result is a raw, down to earth view on the real estate market in New York. Connect and Follow Jennifer Alese on Instagram: @jen_alese or email her at JenniferAl@nestseekers.com Connect and Follow Ivy Kramp on Instagram: @milliondollarmamasnyc or email her at ivy@nestseekers.com Follow Fernando DaCunha on Instagram: @MortgageMaverick or Facebook: @FernandoJohnDaCunha --- Support this podcast: https://anchor.fm/FernandoMortgage/support

Looking to buy a co-op or condo? Not sure which one fits your lifestyle? This episode explains how they're different and why. Enjoy! --- Support this podcast: https://anchor.fm/FernandoMortgage/support

Follow me on Facebook: @FernandoJohnDaCunha or Instagram: @MortgageMaverick. Do you know what to ask your lender when interviewing them for your home purchase/refinance? This episode gives you 10 core questions to start your conversation with a lender and help you decide if they're the right fit for YOU. Be told NOT sold! Enjoy! --- Support this podcast: https://anchor.fm/FernandoMortgage/support

It's a scary thing (notice the Halloween reference), you apply for a loan and you're denied... How does it affect your credit? What happens if you're approved? This episode goes over what can (or can't) happen when your application gets reviewed. Enjoy! --- Support this podcast: https://anchor.fm/FernandoMortgage/support

Clients look for them because it's a "deal", investors/flippers love them. This episode covers what a short sale and foreclosure of real estate is and how they work. Are they truly worth seeking out and pursuing? You decide! --- Support this podcast: https://anchor.fm/FernandoMortgage/support

This is the 1st episode of my new PROfessional Interview series. Today we speak with Brittney Secreto about what's important when planning to not only buy/own real estate, but also live a financially comfortable lifestyle. If you want to discuss your finances (or a client's), Connect with Brittney via Facebook: /Brittney.secreto.9 or LinkedIn: www.linkedin.com/in/brittney-secreto-86340038. Stay tuned for episodes featuring other amazing professionals in the near future! --- Support this podcast: https://anchor.fm/FernandoMortgage/support

The age old mystery: Is a pre-qualification a pre-approval... Is a pre-qualification or pre-approval just paper? A napkin maybe? This episode explains the difference of each letter and gives you my best practices to make sure your financing is in control when buying a home. --- Support this podcast: https://anchor.fm/FernandoMortgage/support

More of a personal topic... How I live off of a commission income, and what my best practices are when it comes to saving. I also mention how I discuss my pay with colleagues & clients. I hope you enjoy learning how I pay my bills each month. On to episode 15!

It's an exciting time - You're buying a new home. Don't let your emotions overrule logic and business sense. This episode explains the importance of thinking through an offer and to thoroughly prepare for an unexpected result, or even worse, losing the bid on your dream home. Maybe it wasn't meant to be... --- Support this podcast: https://anchor.fm/FernandoMortgage/support

What did you Aunt Sharon say about her buying a home in the '80s? Coworkers had a terrible experience? This episode covers how to handle the mortgage process.... For the most important person - You! --- Support this podcast: https://anchor.fm/FernandoMortgage/support

Two things clients care about when discussing a mortgage: Rates and Closing costs. Yes, there's more to a mortgage than that but I know what you want... We've covered rates before, now let's discuss fees associated with real estate. Have fun! --- Support this podcast: https://anchor.fm/FernandoMortgage/support