Let's Get Moving with Jeff & Gina

Jeff shares his recent experience with iBuyers when trying to sell his home. He highlights the initial appeal of iBuyers for sellers looking for quick, hassle-free sales.  We discuss the ups and downs of the transaction as well as the not so surprising result of the transaction.  We conclude that while iBuyers might be suitable for some sellers, it's essential to be informed and cautious. They stress the importance of understanding contracts, being aware of potential pitfalls, and considering all options before making a decision.Jeff Cunningham is a Realtor (license # 301547) with United Realty Group (Broker license C34827) serving the Triad NC area.Jeff can be reached atEmail -  jeff.cunninghamrealtor@gmail.com,website, jeffcunningham.mysalecore.com,Facebook,- https://www.facebook.com/jeffcunninghambroker/Gina Milloway is the Broker / Owner  NMLS #1676070 of Triad Mortgage LLC, NMLS # 2385260,   4192 Mendenhall Oaks Pkwy 101, High Point NC 27265Gina can be reached at,Email:  gmilloway@traidmortgagellc.comWeb: https://www.ginamillowayloans.com/Facebook - https://www.facebook.com/mortgageswithgina/Office -336-290-1891NMLS Consumer Access:  https://nmlsconsumeraccess.org/Privacy Policy:  https://www.ginamillowayloans.com/privacy-policyDisclosures: https://www.ginamillowayloans.com/disclosuresTriad Mortgage is an equal housing lender. For informational purposes only. This is not a commitment to lend or extend credit. Information and/or dates are subject to change without notice. All loans are subject to credit approval

The buy / sell transaction can be complex.  In this episode we discuss what's needed to be prepared to list your home and buy your new home in today's fast paced market.  Jeff Cunningham is a Realtor (license # 301547) with United Realty Group (Broker license C34827) serving the Triad NC area.Jeff can be reached atEmail -  jeff.cunninghamrealtor@gmail.com,website, jeffcunningham.mysalecore.com,Facebook,- https://www.facebook.com/jeffcunninghambroker/Gina Milloway is the Broker / Owner  NMLS #1676070 of Triad Mortgage LLC, NMLS # 2385260,   4192 Mendenhall Oaks Pkwy 101, High Point NC 27265Gina can be reached at,Email:  gmilloway@traidmortgagellc.comWeb: https://www.ginamillowayloans.com/Facebook - https://www.facebook.com/mortgageswithgina/Office -336-290-1891NMLS Consumer Access:  https://nmlsconsumeraccess.org/Privacy Policy:  https://www.ginamillowayloans.com/privacy-policyDisclosures: https://www.ginamillowayloans.com/disclosuresTriad Mortgage is an equal housing lender. For informational purposes only. This is not a commitment to lend or extend credit. Information and/or dates are subject to change without notice. All loans are subject to credit approval

In this podcast we discuss the new LLPA's (loan level pricing adjustments) on Conventional loans.  The media has ran with the notion that better qualified borrowers are taking the hit for lower qualified borrowers.   We discuss why this isn't actually what' going on and a lot more that isn't being talked about. Jeff Cunningham is a Realtor (license # 301547) with United Realty Group (Broker license C34827) serving the Triad NC area.Jeff can be reached atEmail -  jeff.cunninghamrealtor@gmail.com,website, jeffcunningham.mysalecore.com,Facebook,- https://www.facebook.com/jeffcunninghambroker/ Gina Milloway is the Mortgage Loan originator NMLS #1676070 & CEO of Triad Mortgage LLC, NMLS # 2385260,   Gina can be reached at,Email:  gmilloway@traidmortgagellc.comWeb: https:  https://www.ginamillowayloans.com/Facebook - https://www.facebook.com/mortgageswithgina/Office -336-290-1891 NMLS Consumer Access:  https://nmlsconsumeraccess.org/Privacy Policy:  https://www.ginamillowayloans.com/privacy-policyTriad Mortgage is an equal housing lender 

Buying a home in a seller's market can be exhausting and frustrating.  In this episode, Jeff and Gina discuss what it takes to be successful in buying a home in a seller's market. Jeff Cunningham is a Realtor (license # 301547) with United Realty Group (Broker license C34827) serving the Triad NC area.Jeff can be reached atEmail -  jeff.cunninghamrealtor@gmail.com,website, jeffcunningham.mysalecore.com,Facebook,- https://www.facebook.com/jeffcunninghambroker/ Gina Milloway is the Mortgage Loan originator NMLS #1676070 & CEO of Triad Mortgage LLC, NMLS # 2385260,   Gina can be reached at,Email:  gmilloway@traidmortgagellc.comWeb: https:  https://www.ginamillowayloans.com/Facebook - https://www.facebook.com/mortgageswithgina/Office -336-290-1891 NMLS Consumer Access:  https://nmlsconsumeraccess.org/Privacy Policy:  https://www.ginamillowayloans.com/privacy-policyTriad Mortgage is an equal housing lender 

Is Covid homebuyer remorse real.  We discuss homebuyers remorse as it relates to the current and past markets.  What should homebuyers expect of their home's appreciation is they paid over asking during the covid homebuying frenzy. Jeff Cunningham is a Realtor (license # 301547) with United Realty Group (Broker license C34827) serving the Triad NC area.Jeff can be reached atEmail -  jeff.cunninghamrealtor@gmail.com,website, jeffcunningham.mysalecore.com,Facebook,- https://www.facebook.com/jeffcunninghambroker/ Gina Milloway is the Mortgage Loan originator NMLS #1676070 & CEO of Triad Mortgage LLC, NMLS # 2385260,   Gina can be reached at,Email:  gmilloway@traidmortgagellc.comWeb: https:  https://www.ginamillowayloans.com/Facebook - https://www.facebook.com/mortgageswithgina/Office -336-290-1891 NMLS Consumer Access:  https://nmlsconsumeraccess.org/Privacy Policy:  https://www.ginamillowayloans.com/privacy-policyTriad Mortgage is an equal housing lender 

In this episode we discuss Mortgage Insurance.  What is mortgage insurance.  What is the difference between PMI & MI.  When do you need mortgage insurance.  How is mortgage insurance calculated.  Jeff Cunningham is a Realtor (license # 301547) with United Realty Group (Broker license C34827) serving the Triad NC area.Jeff can be reached atEmail -  jeff.cunninghamrealtor@gmail.com,website, jeffcunningham.mysalecore.com,Facebook,- https://www.facebook.com/jeffcunninghambroker/ Gina Milloway is the Mortgage Loan originator NMLS #1676070 & CEO of Triad Mortgage LLC, NMLS # 2385260,   Gina can be reached at,Email:  gmilloway@traidmortgagellc.comWeb: https:  https://www.ginamillowayloans.com/Facebook - https://www.facebook.com/mortgageswithgina/Office -336-290-1891 NMLS Consumer Access:  https://nmlsconsumeraccess.org/Privacy Policy:  https://www.ginamillowayloans.com/privacy-policyTriad Mortgage is an equal housing lender 

Special guest Ashley Williams with First American Home Warranty joins us to discuss home warranties.  Ashley talks about the common misconceptions of Home Warranties, and how they actually work to help save you thousands on home repairs.  We discuss how home warranties are different from homeowners' insurance and how they work together. Ashley Williams First American Home Warranty336-482-6034awilliams@firstam.comJeff Cunningham is a Realtor (license # 301547) with United Realty Group (Broker license C34827) serving the Triad NC area.Jeff can be reached atEmail -  jeff.cunninghamrealtor@gmail.com,website, jeffcunningham.mysalecore.com,Facebook,- https://www.facebook.com/jeffcunninghambroker/ Gina Milloway is the Mortgage Loan originator NMLS #1676070 & CEO of Triad Mortgage LLC, NMLS # 2385260,   Gina can be reached at,Email:  gmilloway@traidmortgagellc.comWeb: https:  https://www.ginamillowayloans.com/Facebook - https://www.facebook.com/mortgageswithgina/Office -336-290-1891 NMLS Consumer Access:  https://nmlsconsumeraccess.org/Privacy Policy:  https://www.ginamillowayloans.com/privacy-policyTriad Mortgage is an equal housing lender 

Jeff and Gina discuss market trends during the holiday season including inventory, the next Fed Meeting and home loan rates today.   In this episode we also discuss the importance of planning for Self Employed borrowers who want to prequalify to buy a home.   Mortgage companies typically need a two-year history of self-employed income, showing enough income to qualify.  We also briefly discuss alternative options for financing your primary or investment property. Jeff Cunningham is a Realtor (license # 301547) with United Realty Group (Broker license C34827) serving the Triad NC area.Jeff can be reached atEmail -  jeff.cunninghamrealtor@gmail.com,website, jeffcunningham.mysalecore.com,Facebook,- https://www.facebook.com/jeffcunninghambroker/ Gina Milloway is the Mortgage Loan originator NMLS #1676070 & CEO of Triad Mortgage LLC, NMLS # 2385260,   Gina can be reached at,Email:  gmilloway@traidmortgagellc.comWeb: https:  https://www.ginamillowayloans.com/Facebook - https://www.facebook.com/mortgageswithgina/Office -336-290-1891 NMLS Consumer Access:  https://nmlsconsumeraccess.org/Privacy Policy:  https://www.ginamillowayloans.com/privacy-policyTriad Mortgage is an equal housing lender 

On this Episode we discuss the current housing market as it relates to the Triad of North Carolina.   In honor of Veteran's Day, we discuss the benefits of 100% financing with a VA loan. Jeff Cunningham is a Realtor (license # 301547) with United Realty Group (Broker license C34827) serving the Triad NC area.Jeff can be reached atEmail -  jeff.cunninghamrealtor@gmail.com, website, jeffcunningham.mysalecore.com, Facebook,- https://www.facebook.com/jeffcunninghambroker/ Gina Milloway is the Mortgage Loan originator NMLS #1676070 & CEO of Triad Mortgage LLC, NMLS # 2385260,   Gina can be reached at,Email:  gmilloway@traidmortgagellc.comWeb: https://www.ginamillowayloans.com/Facebook - https://www.facebook.com/mortgageswithgina/Office -336-290-1891 NMLS Consumer Access:  https://nmlsconsumeraccess.org/Privacy Policy:  https://www.ginamillowayloans.com/privacy-policyTriad Mortgage is an equal housing lender  From      Jeff Cunningham is a Realtor (license # 301547) with United Realty Group (Broker license C34827) serving the Triad NC area.Jeff can be reached atEmail -  jeff.cunninghamrealtor@gmail.com,website, jeffcunningham.mysalecore.com,Facebook,- https://www.facebook.com/jeffcunninghambroker/ Gina Milloway is the Mortgage Loan originator NMLS #1676070 & CEO of Triad Mortgage LLC, NMLS # 2385260,   Gina can be reached at,Email:  gmilloway@traidmortgagellc.comWeb: https:  https://www.ginamillowayloans.com/Facebook - https://www.facebook.com/mortgageswithgina/Office -336-290-1891 NMLS Consumer Access:  https://nmlsconsumeraccess.org/Privacy Policy:  https://www.ginamillowayloans.com/privacy-policyTriad Mortgage is an equal housing lender 

On today's episode we discuss todays market and interest rates.  We discuss why it's a great time for buyers to purchase even in a high rate market.  We discuss strategies  to help buyers overcome higher mortgage payments dues to higher rates. Jeff Cunningham is a Realtor (license # 301547) with United Realty Group (Broker license C34827) serving the Triad NC area.Jeff can be reached atEmail -  jeff.cunninghamrealtor@gmail.com,website, jeffcunningham.mysalecore.com,Facebook,- https://www.facebook.com/jeffcunninghambroker/ Gina Milloway is the Mortgage Loan originator NMLS #1676070 & CEO of Triad Mortgage LLC, NMLS # 2385260,   Gina can be reached at,Email:  gmilloway@traidmortgagellc.comWeb: https:  https://www.ginamillowayloans.com/Facebook - https://www.facebook.com/mortgageswithgina/Office -336-290-1891 NMLS Consumer Access:  https://nmlsconsumeraccess.org/Privacy Policy:  https://www.ginamillowayloans.com/privacy-policyTriad Mortgage is an equal housing lender All loans are subject to credit approval. This is not a commitment to lend. Guidelines subject to change without prior notice. 

Brandon Ellis with Ellis insurance joins us to discuss homeowners' insurance.  Homeowner's insurance is an important part of the mortgage process.  Getting your insurance agent involved in the process upfront can help you with your home buying decision.  We discuss what affects the cost of your premium, options that you may or may not need and when is a good time to shop for your coverage. Brandon Ellis, Agent Broker @ Ellis Insurancewww.linktr.ee/ellisinsuredwww.ellisinsured.comPhone: 336.701.0217Email: Brandon@ellisinsured.comJeff Cunningham is a Realtor (license # 301547) with United Realty Group (Broker license C34827) serving the Triad NC area.Jeff can be reached atEmail -  jeff.cunninghamrealtor@gmail.com,website, jeffcunningham.mysalecore.com,Facebook,- https://www.facebook.com/jeffcunninghambroker/ Gina Milloway is the Mortgage Loan originator NMLS #1676070 & CEO of Triad Mortgage LLC, NMLS # 2385260,   Gina can be reached at,Email:  gmilloway@traidmortgagellc.comWeb: https:  https://www.ginamillowayloans.com/Facebook - https://www.facebook.com/mortgageswithgina/Office -336-290-1891 NMLS Consumer Access:  https://nmlsconsumeraccess.org/Privacy Policy:  https://www.ginamillowayloans.com/privacy-policyTriad Mortgage is an equal housing lender 

In this episode we discuss the importance of sourcing funds in a mortgage transaction and what it means to "sourcing funds".  We dive into the pitfall of using cash specifically related to the mortgage process and the challenges it creates.  Jeff Cunningham is a REALTOR (license # 301547) with United Realty Group (Broker license C34827) serving the Triad NC area.Jeff can be reached atEmail -  jeff.cunninghamrealtor@gmail.com,website, jeffcunningham.mysalecore.com,Facebook,- https://www.facebook.com/jeffcunninghambroker/Gina Milloway is the Mortgage Loan originator NMLS #1676070 & CEO of Triad Mortgage LLC, NMLS # 2385260,   Gina can be reached at,Email:  gmilloway@traidmortgagellc.comWeb: https: https://www.ginamillowayloans.com/Facebook - https://www.facebook.com/mortgageswithgina/Office -336-290-1891NMLS Consumer Access:  https://nmlsconsumeraccess.org/Privacy Policy:  https://www.ginamillowayloans.com/privacy-policyTriad Mortgage is an equal housing lender 

In this episode we sit down with Fatima Blair of Next Level Credit Solutions.  We discuss how she transitioned into the credit managing or credit repair business.  Newark New Jersey born, developed a passion & purpose for helping others especially single mothers overcome obstacles with there credit, after she went thru some hard times with her own.Credit,  she became so intentional that she decided to step out on faith and start her own business, leaving a well paying secure career in Logistics with only $500 in her bank account  and 2 small children at home , and the Lord's Promise she went for it and just did it! Fatima makes herself so accessible to her clients that's what sets her aside from the average Credit Solutions business.Partnering with Real Estate Agents  & Mortgage Brokers and Local Networking  Group BNI, she has managed to grow her company of clients in record time.Her reputation for working from a place of Integrity and also becoming Better Business Bureau Accredited she is a major figure in the Credit Industry. Fatima Blairhttps://www.nextlevelcreditsolutions.org/Mobile (336) 365-8021email: nexlevelcredit@gmail.comJeff Cunningham is a Realtor (license # 301547) with United Realty Group (Broker license C34827) serving the Triad NC area.Jeff can be reached atEmail -  jeff.cunninghamrealtor@gmail.com, website, jeffcunningham.mysalecore.com, Facebook,- https://www.facebook.com/jeffcunninghambroker/Gina Milloway is the Mortgage Loan originator NMLS #1676070 & CEO of Triad Mortgage LLC, NMLS # 2385260,   Gina can be reached at,Email:  gmilloway@traidmortgagellc.comWeb: https: https://www.ginamillowayloans.com/Facebook - https://www.facebook.com/mortgageswithgina/Office -336-290-1891NMLS Consumer Access:  https://nmlsconsumeraccess.org/Privacy Policy:  https://www.ginamillowayloans.com/privacy-policyTriad Mortgage is an equal housing lender 

In this episode Jeff and Gina discus how your credit score impacts your ability to purchase a home.   We discuss the minimum score you can have and still qualify for a loan.  We discuss how your credit score affects your interest rate, down payment and loan program. Jeff Cunningham is a Realtor (license # 301547) with United Realty Group (Broker license C34827) serving the Triad NC area.Jeff can be reached atEmail -  jeff.cunninghamrealtor@gmail.com,  website, jeffcunningham.mysalecore.com,  Facebook,- https://www.facebook.com/jeffcunninghambroker/Gina Milloway is the Mortgage Loan originator NMLS #1676070 & CEO of Triad Mortgage LLC, NMLS # 2385260,   Gina can be reached at,Email:  gmilloway@traidmortgagellc.comWeb: https://www.ginamillowayloans.com/Facebook - https://www.facebook.com/mortgageswithgina/Office -336-290-1891NMLS Consumer Access:  https://nmlsconsumeraccess.org/Privacy Policy:  https://www.ginamillowayloans.com/privacy-policyTriad Mortgage is an equal housing lender 

In this episode Jeff and Gina discuss using your pre-approval letter.   We review the information contained in a pre-approval letter, how to shop with your pre-approval and the importance of the information Jeff Cunningham is a Realtor (license # 301547) with United Realty Group (Broker license C34827) serving the Triad NC area.Jeff can be reached atEmail -  jeff.cunninghamrealtor@gmail.com, website, jeffcunningham.mysalecore.com, Facebook,- https://www.facebook.com/jeffcunninghambroker/Gina Milloway is the Mortgage Loan originator NMLS #1676070 & CEO of Triad Mortgage LLC, NMLS # 2385260,   Gina can be reached at,Email:  gmilloway@traidmortgagellc.comWeb: https://www.ginamillowayloans.com/Facebook - https://www.facebook.com/mortgageswithgina/Office -336-290-1891NMLS Consumer Access:  https://nmlsconsumeraccess.org/Privacy Policy:  https://www.ginamillowayloans.com/privacy-policyTriad Mortgage is an equal housing lender 

In this episode we discuss the importance of choosing the right Realtor and How to find the right Realtor. Jeff Cunningham is a Realtor (license # 301547) with United Realty Group (Broker license C34827) serving the Triad NC area.Jeff can be reached atEmail -  jeff.cunninghamrealtor@gmail.com, website, jeffcunningham.mysalecore.com, Facebook,- https://www.facebook.com/jeffcunninghambroker/Gina Milloway is the Mortgage Loan originator NMLS #1676070 & CEO of Triad Mortgage LLC, NMLS # 2385260,   Gina can be reached at,Email:  gmilloway@traidmortgagellc.comWeb: https://www.ginamillowayloans.com/Facebook - https://www.facebook.com/mortgageswithgina/Office -336-290-1891NMLS Consumer Access:  https://nmlsconsumeraccess.org/Privacy Policy:  https://www.ginamillowayloans.com/privacy-policyTriad Mortgage is an equal housing lender 

Jeff and Gina discuss the importance of getting pre-approved.  We discuss what's involved in the process, from types of pre approvals to what's reviewed in the process.  Jeff Cunningham is a Realtor (license # 301547) with United Realty Group (Broker license C34827) serving the Triad NC area.Jeff can be reached atEmail -  jeff.cunninghamrealtor@gmail.com, website, jeffcunningham.mysalecore.com, Facebook,- https://www.facebook.com/jeffcunninghambroker/Gina Milloway is the Mortgage Loan originator NMLS #1676070 & CEO of Triad Mortgage LLC, NMLS # 2385260,   Gina can be reached at,Email:  gmilloway@traidmortgagellc.comWeb: https://www.ginamillowayloans.com/Facebook - https://www.facebook.com/mortgageswithgina/Office -336-290-1891NMLS Consumer Access:  https://nmlsconsumeraccess.org/Privacy Policy:  https://www.ginamillowayloans.com/privacy-policyTriad Mortgage is an equal housing lender 

Jeff and Gina discuss how their backgrounds in the mortgage and real estate industries.  Jeff Cunningham is a Realtor (license # 301547) with United Realty Group (Broker license C34827) serving the Triad NC area.Jeff can be reached atEmail -  jeff.cunninghamrealtor@gmail.com, website, jeffcunningham.mysalecore.com, Facebook,- https://www.facebook.com/jeffcunninghambroker/Gina Milloway is the Mortgage Loan originator NMLS #1676070 & CEO of Triad Mortgage LLC, NMLS # 2385260,   Gina can be reached at,Email:  gmilloway@traidmortgagellc.comWeb: https://www.ginamillowayloans.com/Facebook - https://www.facebook.com/mortgageswithgina/Office -336-290-1891NMLS Consumer Access:  https://nmlsconsumeraccess.org/Privacy Policy:  https://www.ginamillowayloans.com/privacy-policyTriad Mortgage is an equal housing lender