Real Estate Power Moves w/James J

Whether you want to buy a home or not, you still need to make sure your credit score is well taken care of. To help, let's explore the real truth about credit repair and what some of the most common misconceptions are. In this episode, you'll learn the real deal behind credit repair with David Rodriguez from the Phenix group, known as the credit expert for the mortgage industry with11 years in the service. He worked with real estate agents and loan officers across Texas and specializes in improving your credit score while providing credit restoration services too. From low credit scores and DTI issues to student loan concerns, plus creating customized game plans to each clients' needs with mortgage underwriting guidelines in mind. “Credit education isn't just for consumers. Professionals need the information as well.”- You will discover tools available and learn more legitimate insight on how credit really works and debunk a lot of myths out there. So make sure to “Check” out the full episode and don't forget to leave a great review. Discover what realtors can do, what strategies and things they can help prepare these buyers if they're not ready right now. ▼ Follow Me on Social▼ Website ▻ http://www.TexasMortgageBoss.com/ Facebook ▻https://www.facebook.com/jamesjaymort... Instagram ▻ https://www.instagram.com/jamesjaymor... LinkedIn ▻ https://www.linkedin.com/in/james-jay-barnes-army-vet-980915157/ ▼ Follow David on Social▼ Phone ▻ 469-840-4583 Email ▻ davidr@thephenixgroup.com Website ▻ www.thephenixgroup.com Facebook ▻ DavidRTPG #creditrepair #mortgage #homebuyer #creditcard #creditkarma #fico #realtor #loanofficer #payment #bureau #information #inquiries #clients #creditrestoration #misconception #studentdebt #ultracard #chasecard #identityIQ #realestate

FYI - A seller's market is when there are more homebuyers in a particular area looking to purchase a home than actual houses listed for sale. It usually results in rising home prices and stiffer competition among homebuyers. Buying a home and running into a multiple offer is not the most ideal situation and can be difficult and frustrating at times from the buyer's perspective especially if you are buying in a challenging and competitive seller's market. Today, we are joined by Christy Kroboth with Keller Williams Realty. She's a huge animal lover. She's also a licensed rehabilitator for wild animals like possums. When Christy is not busy with real estate, she enjoys spending time outside and rescuing alligators and raising Monarch Butterflies. Christy may look familiar to you as she is the local Gator Girl and is one of the only female alligator trappers in the state of Texas. She is known especially for her famous catch of a 13 foot 800-pound alligator named Godzilla. Are you trying to buy a home in this crazy seller's market in 2022? Are you struggling with the negotiation process? Learn from this episode as Christy is going to give you some advice on things that you can do when you're trying to negotiate. Plus you'll discover ways on how to win in a bidding war while making an offer thus having a high chance that your offer is the one that is accepted by the sellers! ▼ Follow Me on Social▼ Website ▻ http://www.TexasMortgageBoss.com/ Facebook ▻https://www.facebook.com/jamesjaymort... Instagram ▻ https://www.instagram.com/jamesjaymor... LinkedIn ▻ https://www.linkedin.com/in/james-jay-barnes-army-vet-980915157/ ▼ Follow Christy on ▼ Call/Text ▻ 832-282-5782 Facebook ▻https://www.facebook.com/ChristyKrobothRealtor #realestate #listingAgent #realestateagent #marketlist #homebuying #effectiveways #sellersmarket #homebuyers #2022 #recommendedtips #competition #realtor #inspection #buyer #homeoffer #monarchbutterfly #animallover #negotiate #biddingwar #negotiationprocess #alligator #buyersperspective #competitivesellersmarket

Today's episode, James shares how student loan debt impacts your homebuying plans if you've just graduated or have been out of school, how you can qualify and achieve a homeownership even if you still have student loans. In addition, he also shares the most recent statistics from the National Association of Realtors (NAR) report and data showing many current homeowners that have student loan debt themselves plus discover your best options and find out how close you are to achieving your homeownership goal! Looking for the best strategy to repay your loans, talk to us or find a trusted real estate professional and learn more about how student loans work. “While everyone's situation is unique, your goal may be more within your reach than you realize.” ▼ Follow Me on Social▼ Website ▻ http://www.TexasMortgageBoss.com/ Facebook ▻https://www.facebook.com/jamesjaymort... Instagram ▻ https://www.instagram.com/jamesjaymor... LinkedIn ▻ https://www.linkedin.com/in/james-jay-barnes-army-vet-980915157/ #studentloans #studentlLoanDebt #homeownership #home #lender #qualify #delay #mortgage #debt #people #school #payment #buyers #plans #pay #survey #incomeRatio #calculate #backburner #episode28 #texasmortgagebosspodcast

What does 2022 hold for the housing market in Texas? Are there projections for foreclosures in 2022? What is the hedge against inflation? It's unbelievable how much home values have risen in the last 24 months, especially in Texas. In this episode, James shared what he learned from “Keeping Current Matters” or KCM webinar where it greatly affects the home buying process, selling or refinancing homes in 2022. There is a need to take advantage of today's low rates before they begin to rise. Whether you're thinking about moving up, downsizing, or refinancing, it's still the best time to own a home even as interest rates start to take up. Mortgage rates are projected to rise, and so are home prices. Industry sources forecast buyer demand will remain strong as people try to capitalize on rates and prices before they climb. Download and listen to learn some important information and statistics and discover why real estate is the number one way to hedge against inflation. ▼ Follow Me on Social▼ Website ▻ http://www.TexasMortgageBoss.com/ Facebook ▻https://www.facebook.com/jamesjaymort... Instagram ▻ https://www.instagram.com/jamesjaymor... LinkedIn ▻ https://www.linkedin.com/in/james-jay-barnes-army-vet-980915157/ #homebuyinggoals #2022 #inflation #foreclosures #mortgage ##homebuyers #Texas #delinquency #outspace #hedge #goal #equity #KCM #realestate #refinance #market#realtor #CoreLogic #episode27 #texasmortgagepodcast #realestate #interestrate #principal #interestpayment #appreciation #finance #Houston #Austin

Thinking of buying a home this year? Be informed! (Download and Listen) and discover ways how you can hit your home buying goals in 2022! Putting all your home buying goals into a plan can make the process easier to figure out! Lay everything out and take every advantage and disadvantage into consideration. What can work to your advantage is having the right people helping you every step of the way.​. It's so easy! No need to make it complicated. Just remember, don't put in time and money on something you aren't well versed in. Use an expert for guidance. See where you stand; most people are shocked to know that they are very close to homeownership but just assume. They're not qualified for whatever reason. So if we can be of service to you in any way, shape, or form, you need a referral for a realtor credit restoration, anything real estate related, we've got a great network that we will be glad to share with you and get you in touch with somebody that can help you thus enjoying a smooth process with a minimal time crunch! ▼ Follow Me on Social▼ Website ▻ http://www.TexasMortgageBoss.com/ Facebook ▻https://www.facebook.com/jamesjaymort... Instagram ▻ https://www.instagram.com/jamesjaymor... LinkedIn ▻ https://www.linkedin.com/in/james-jay-barnes-army-vet-980915157/ #homebuyinggoals #2022 #creditscore #creditreport #mortgage ##homebuyers #automate #proactive #creditrestoration #lender #goal #builder #contract #realestate #freecreditreport #expertadvice #realtor #service #episode26 #texasmortgagepodcast #bestinterest

What's going to happen with home prices this year? Why haven't we seen a deeper deceleration as a lot of experts predicted? What are the three reasons why the number of active listings didn't increase as expected? What are some factors affecting a homebuyers' decision in purchasing a property? After almost two years of double-digit increases, many experts thought home price appreciation would decelerate or happen at a slower pace in the last quarter of 2021. However, the latest Home Price Insights Report from CoreLogic indicates while prices may have plateaued, appreciation has definitely not slowed. Appreciation has remained steady at around 18% over the last five months. In this episode, you will discover the answers to the questions above. James finally added that home price appreciation might slow (or decelerate) in 2022. However, based on supply and demand, you shouldn't expect the deceleration to be swift or deep. They always go up. Sometimes slow and sometimes fast but they always go up. So if you were not able to get into homeownership last 2021, don't be left behind with the amazing opportunities for you to get into your dream home! As sooner as you can! ▼ Follow Me on Social▼ Website ▻ http://www.TexasMortgageBoss.com/ Facebook ▻https://www.facebook.com/jamesjaymort... Instagram ▻ https://www.instagram.com/jamesjaymor... LinkedIn ▻ https://www.linkedin.com/in/james-jay-barnes-army-vet-980915157/

Are you planning to purchase a new home starting January 1, 2022? Or if you just bought a home in 2021 or currently own a home but have not filed for a homestead exemption? Download and listen

2021 is almost over and it has been the most outstanding year for the real estate market with home prices going up and with record-low interest rates. Since the unprecedented year COVID, markets have been unpredictable. Many buyers took a more serious approach to homeownership than ever before despite the economic uncertainty caused by the pandemic. The crisis over the housing market is skyrocketing and there was overbidding of homes. Now, with the new variant of COVID, how will it affect the housing market in 2022? Listen to the bold predictions from a very successful realtor, Tony Orozco from Exp Realty. He started real estate in 1998 and at the same time got his license. He is an excellent agent and is a member of HAR (Houston Association of Realtors). He will give us bold predictions to what's most probable and upcoming in 2022 Realty marketing. Is there good news coming for buyers and for all who are in the business? With the looming conditions of inflation, what is the potential risk for the interest rate in the coming year? If you want to learn more about the latest updates and predictions about real estate, listen to our latest podcast episode and learn from our marketing experts, so you'll be two steps ahead with real-time info. ▼ Follow Me on Social▼ Website ▻ http://www.TexasMortgageBoss.com/ Facebook ▻https://www.facebook.com/jamesjaymort... Instagram ▻ https://www.instagram.com/jamesjaymor... LinkedIn ▻ https://www.linkedin.com/in/james-jay-barnes-army-vet-980915157/ ▼Connect with Tony Orozco▼ Call/Text ▻ 713-591-6966 Email ▻ antonio.orozcoIV@exprealty.com Website ▻ https://www.exprealty.com/ Facebook ▻ https://www.facebook.com/LivingHoustonHomes/ #2022realestatepredictions, #COVID, #newvariant, #realestatemarket, #homeprices, #interestrates, #inflationrate, #economy, #homebuyers, #homeownership, #homeseller, #mortgaterates, #downpayment, #boldforecast, #housingmarket, #skyrocketing

What's one thing you should do if you get a low appraisal value with your home? How do you overcome this? Simply, just look at the comps! If a comparable home on your appraisal has an addition that wasn't permitted, surely it will have a different value. Today's guest is James Dickerson with Realtor Keller Williams Realty who was in retail for 20 plus years now. We want to give you some strategies and tips for people that maybe in the process of purchasing and getting an appraisal done, or are concerned about what might happen with that appraisal value and what they can do. You have to be unstoppable in getting into your dream home! Low appraisals are an unfortunate reality of this hot seller's market we're in, where a lot of sellers are taking the opportunity to overprice their house, and a lot of people are confused about what to do when this happens. As a realtor, we are guiding your buyers and directing them as to what they can do and must give some options that are available. Do you wanna learn how to handle the low appraisal value of your home? Listen to our latest podcast episode and discover the different ways to handle this situation, so you'll know what steps you should take if you're in this condition. ▼ Follow Me on Social▼ Website ▻http://www.TexasMortgageBoss.com/ Facebook ▻ https://www.facebook.com/jamesjaymort… Instagram ▻ https://www.instagram.com/jamesjaymor… LinkedIn ▻ https://www.linkedin.com/in/james-jay... Follow James Dickerson Instagram ▻ https://www.instagram.com/living_in_houston_/ Facebook ▻ https://web.facebook.com/jamesdickersonRealtor Youtube ▻ https://www.youtube.com/channel/UCx-kFZ6SZtfPyy4NMKr3N4w Email ▻ mailto:jamesdickerson@kw.com Website ▻ jamesdickerson.kw.com Call ▻ 281-883-8426.

Will the housing market crash? Will it just continue to go higher and higher? So many questions and concerns that many are wondering about. In this episode, Travis Spencer, a Realtor, Loan Officer from Texas will help to educate and give us some information about his stand on this very interesting topic about what's going on with the 2022 real estate market. With the statistics shown and with Redfin predictions, he gave advice especially to the first-time homebuyers to ensure their credits are well established first before buying a home so they can get in at low rates, and that they need to consider if they can afford to move to a city that's not overinflated. Real estate is such a great investment. So if you're a first-time homebuyer, you're gonna be smart. Educate, establish and create an additional plan. If you're planning to have homeownership, hire a professional to help you. Contact us today! ▼ Follow Me on Social▼ Website ▻http://www.TexasMortgageBoss.com/ Facebook ▻ https://www.facebook.com/jamesjaymort… Instagram ▻ https://www.instagram.com/jamesjaymor… LinkedIn ▻ https://www.linkedin.com/in/james-jay... Connect with Spencer @: Email Address: tvsamcap@gmail.com Youtube: @https://www.youtube.com/channel/UCd9fs-aQNdfvdpfjLy6tprw #housemarket, #inflationrate, #realestatemarket, #homeprices, #2022, #ZillowNews, #Houston, #Austin, #RedfinPredictions, #homeequity #investors, #houseinventory, #marketcompetitor, #marketin2023, #interestrates, #renting, #homecredit, #realestateinvestment

Are you wondering why home prices keep going up this year? Well, according to the latest Home Price Index from CoreLogic, this is because of the supply and demand chain where there is more demand and less supply in the market right now. And people tend to just wait for the time when the price will go down. In this episode, James explained the importance of taking action to get that homeownership done. The more you wait, the more expensive it's going to become, and the less buying power you're going to have. Are you planning on owning or purchasing a home? Don't wait too long. Waiting is not a good option. The best time to get that homeownership is now! ▼ Follow Me on Social▼ Website ▻http://www.TexasMortgageBoss.com/ Facebook ▻ https://www.facebook.com/jamesjaymort… Instagram ▻ https://www.instagram.com/jamesjaymor… LinkedIn ▻ https://www.linkedin.com/in/james-jay... #homeprices #realestatepricing #homeappreciation #consumerbuyingpower # #homeownership #besttimetobuy #homepurchase #realestatemarket #supplyanddemand #homepriceindex

In this video, I'm going to discuss top 3 Tips for Veteran Homebuyers. ▼ Follow Me on Social▼ Facebook ▻ https://www.facebook.com/jamesjaymort... Instagram ▻ https://www.instagram.com/jamesjaymor... LinkedIn ▻ https://www.linkedin.com/in/james-jay... Learn more at (Website) ▻ https://texasmortgageboss.com/ #realestate #homebuying #firsttimehomebuyer #homebuyingprocess #homebuyingtips #buyingahome #buyingahouse #firsttimehomebuyers #firsttimehomebuyertips #realestatetips #realtor #howtobuyahouse #howtobuyahome #firsttimehomebuyerloan #realestateagent #realestateinvesting #homebuying101 #mortgagebroker #mortgageloan #realestateadvice #texasrealestate #houstonrealestate #texas #houston #texasmortgageboss

In this video, I'm going to discuss 5 Ways To Reduce Homebuyer Stress. ▼ Follow Me on Social▼ Facebook ▻ https://www.facebook.com/jamesjaymort... Instagram ▻ https://www.instagram.com/jamesjaymor... LinkedIn ▻ https://www.linkedin.com/in/james-jay... Learn more at (Website) ▻ https://texasmortgageboss.com/ #realestate #homebuying #firsttimehomebuyer #homebuyingprocess #homebuyingtips #buyingahome #buyingahouse #firsttimehomebuyers #firsttimehomebuyertips #realestatetips #realtor #howtobuyahouse #howtobuyahome #firsttimehomebuyerloan #realestateagent #realestateinvesting #homebuying101 #mortgagebroker #mortgageloan #realestateadvice #texasrealestate #houstonrealestate #texas #houston #texasmortgageboss

Back in February 2020, Texas seemed to be headed for its sixth straight year of record-busting real estate sales. The biggest problem, according to Cindi Bulla, the chairperson of Texas REALTORS, was that the lengthy sellers' market had pushed prices too high for some people to afford their first home. So how do you stand out when competing in this market? Realtor, Maya Petereson will give us her expert advice on ways to get that home you want under contract and to the finish line.

Today we are talking about "Navigating the Supply and Demand as a Buyer". Stay tuned for all the myths and tricks to get the best from it.

If you're a renter with a desire to become a homeowner or a homeowner who's decided your current house no longer fits your needs, you may be hoping that waiting a year might mean better market conditions to purchase a home. To determine if you should buy now or wait, you need to ask yourself two simple questions: What will home prices be like in 2022? Where will mortgage rates be by the end of 2022? Let's shed some light on the answers to both of these questions. Learn more at (Website) ▻ https://texasmortgageboss.com/ #homebuying #realestate #homebuyingprocess #buyingahome #homeownership #homebuyingtips #homebuying2021 #housingmarket2021 #shouldibuyahouserightnow #shouldibuyahousein2021 #buyingahouse #housingmarket #realestatemarket #firsttimehomebuyer #firsttimehomebuyertips #buyahouse #buyinghouse #interestrates #mortgage #mortgagetips #mortgagebroker #texasrealestate #houstonrealestate #texas #houston #texasmortgageboss

The housing market is in constant flux, and it's changed dramatically in the last 30 years. While your parents likely have the best intentions when imparting words of advice, some of their hard-earned wisdom may not hold up in today's market. That's why it's smart to work with an experienced real estate agent and a trusted mortgage lender who can talk you through your home buying options and what you need to know to win in today's market. Today I interview J.C. Torres from Signature Homes Realty to discuss The 3 Biggest Lies About Buying a Home. If you have questions visit www.TexasMortgageBoss.com or text or call 281-800-5755.

Top 5 Mistakes To Avoid when buying a home.

If the 2021 home buying market were a card game, the deck would be stacked with wildcards. The coronavirus pandemic has caused seismic shifts in the real estate market, spurring a higher demand for more square footage and thus a sudden interest in the spacious suburbs. Interest rates are low, but so too is inventory. So as a first time buyer how do you compete and prepare? Helen Brison from KW Premiere will walk us through some best practices for first time buyers to get into the market of homeownership.

Many people would argue that new construction homes have far more, and greater, pros than they do cons. Just on the surface level, new homes include modern styles, the latest up-to-code safety measures, and new plumbing, electricity, and well, everything! A new home often contains a modern home plan. If you love open floor plans, modern entryways and windows, and contemporary kitchen styles, then being the first person to live in a home is a promising formula for checking each of those boxes. But is new construction the right thing for you?

Today's Facebook live topic is all about the homebuyer mindset. We discuss the right mindset that you need to have as a homebuyer in this crazy and ever-changing market. Whether you are a first-time homebuyer or a seasoned veteran there are things you need to consider before making the biggest purchase of your life. ▼ Follow Me on Social▼ Facebook ▻ https://www.facebook.com/jamesjaymort... Instagram ▻ https://www.instagram.com/jamesjaymor... LinkedIn ▻ https://www.linkedin.com/in/james-jay...

This is another important and often confusing topic for first-time buyers. Both the APR and the interest rate are ways for consumers to comparison shop as well as determine the affordability of the loan. Let's discuss this a little further and make sure we have a complete understanding of how one compares to the other. They are not the same thing!

While homeowners insurance covers you if something goes wrong with your home, mortgage insurance protects the lender if you're unable to pay your mortgage but these two things are often confused so let's discuss it! ► Please subscribe to my Channel “Texas Mortgage Boss Podcast”: https://www.youtube.com/channel/UCkKb... Follow Me on Social: Facebook ▻ https://www.facebook.com/jamesjaymort... Instagram ▻ https://www.instagram.com/jamesjaymor... LinkedIn ▻ https://www.linkedin.com/in/james-jay...

When you buy a new house, it might not take long to negotiate and agree on a purchase price, but there's a lot more that needs to happen in the homebuying process before the property legally becomes yours. That doesn't happen until closing -- the date when you sign all of the paperwork and officially become the owner of the home. Today we discuss the timeframe you should expect when closing on a house, the steps that need to happen before you can go from being a prospective home buyer to an official owner, and some ways to set yourself up for success when closing.

Home inspections and appraisals are key steps in the home-buying process. Both give you a better understanding of a home's condition and value before you follow through with what likely will be one of the biggest investments in your life. Home inspections and appraisals look at two different aspects of a property, with both giving prospective buyers a clearer picture of a home than is typically visible when you first see a home. The appraisal will probably be required, the inspection not so much, but you'd be doing yourself a disservice by not having one done. Today we will discuss the difference between the two.

After saving for a down payment, house hunting and applying for a mortgage, closing costs can come as an unpleasant surprise. Understanding what closing costs cover and budgeting for them will smooth out the final stretch of the home-buying process. Closing costs include the myriad fees for the services and expenses required to finalize a mortgage. You'll have to pay closing costs whether you buy a home or refinance. This may be the one thing that holds people back so let's discuss this! ▼ Follow Me on Social▼ Facebook ▻ https://www.facebook.com/jamesjaymort... Instagram ▻ https://www.instagram.com/jamesjaymor... LinkedIn ▻ https://www.linkedin.com/in/james-jay... Learn more at (Website) ▻ https://texasmortgageboss.com/ #closingcosts #howmuchareclosingcosts #downpayment #downpaymentstrategies #whatareclosingcosts #firsttimehomebuyer #firsttimebuyer #homeownership #homebuyereducation #realestate #texas #texasrealestate #jamesjaymortgage

Down payments are one of the biggest hurdles to purchasing a home. Fortunately, if you haven't saved enough of your own funds for a home purchase, many lenders allow borrowers to purchase a home with gift funds which can also be used towards closing costs. But there is a right and wrong way to do this so let's talk about it. Learn more at (Website) ▻ https://texasmortgageboss.com/

Your credit score plays a major role in your ability to secure a mortgage loan. Not only does it impact your initial qualification for a loan, but it also influences your interest rate, down payment requirements, and other terms of your mortgage.

The number one thing that prevents people from pursuing homeownership is the down payment. There are a lot of myths around how much down payment is required and we will address that and dispel some of the myths out there.

Today, we will deep dive into why changing jobs is the worst thing to do while getting a mortgage loan. We will discuss different issues that you may encounter when applying for a loan. •Follow me on Social Media• Facebook ▻ https://www.facebook.com/jamesjaymortgage Instagram ▻ https://www.instagram.com/jamesjaymortgage/ Website ▻ http://mortgagebosstx.com/ If you liked today's episode please subscribe to our podcast! We really appreciate you listening to us.

We will briefly discuss why Lenders need tax returns and verification. How this will help you as a tax payer and what you should do in filling your tax return. •Follow me on Social Media• Facebook ▻ https://www.facebook.com/jamesjaymortgage Instagram ▻ https://www.instagram.com/jamesjaymortgage/ Website ▻ http://mortgagebosstx.com/ If you liked today's episode, please subscribe to our podcast! We really appreciate you listening to us.

If you or anyone that you know is thinking of getting a mortgage loan with an unemployment income, are they qualified? Let listen to this podcast or share this to anyone who needs to hear this. •Follow me on Social Media• Facebook ▻ https://www.facebook.com/jamesjaymortgage Instagram ▻ https://www.instagram.com/jamesjaymortgage/ Website ▻ http://mortgagebosstx.com/ If you liked today's episode, please subscribe to our podcast! We really appreciate you listening to us.

Effective January 19, 2021, FHA permits FHA mortgages for individuals classified under the DACA program with the U.S. Citizenship & Immigration Service (USCIS) and is legally permitted to work in the United States. This is huge news and will open up so many more opportunities for homeownership in 2021. •Follow me on Social Media• Facebook ▻ https://www.facebook.com/jamesjaymortgage Instagram ▻ https://www.instagram.com/jamesjaymortgage/ Website ▻ http://mortgagebosstx.com/ If you liked today's episode, please subscribe to our podcast! We really appreciate you listening to us.

In this episode, we will talk about Tax Return and Tax Return Verification. Why do mortgage lenders look for tax returns and tax return verifications? This is one of the biggest loans you'll ever receive, and naturally, mortgage underwriters need to ensure your ability to repay it. Let's discuss why the tax return you provide a lender is not enough to qualify you for a mortgage. Timestamp 00;00;32;00 When is Tax Season 00;01;02;15 What year is best for tax return verification 00;02;30;00 How to pull tax return verification 00;04;44;00 Are you Self-employed and you want to write-off your taxes? •Follow me on Social Media• Facebook ▻ https://www.facebook.com/jamesjaymortgage Instagram ▻ https://www.instagram.com/jamesjaymortgage/ Website ▻ http://mortgagebosstx.com/ If you liked today's episode please subscribe to our podcast! We really appreciate you listening to us.

In this episode, we will talk about the difference between a prequalification letter and a preapproval letter. We will dive deep into this topic with our guess Lacie Lugo. How understanding the difference can help you make or break the deal. •Follow me on Social Media• Facebook ▻ https://www.facebook.com/jamesjaymortgage Instagram ▻ https://www.instagram.com/jamesjaymortgage/ Website ▻ http://mortgagebosstx.com/ If you liked today's episode please subscribe to our podcast! We really appreciate you listening to us.

In this episode, we will listen to an Interview with Antrechelle Schumack the owner of Schumack Group. How she made it in the Real Estate world and how she used the power of social media for her business. •Follow me on Social Media• Facebook ▻ https://www.facebook.com/jamesjaymortgage Instagram ▻ https://www.instagram.com/jamesjaymortgage/ Website ▻ http://mortgagebosstx.com/ If you liked today's episode please subscribe to our podcast! We really appreciate you listening to us.

In this Episode, We had the pleasure of interviewing Barry Pryce, An Innovative Real Estate Entrepreneur. Who is currently working on a Property The Gardens of Hacienda Tecolote for the last three years. Let's get to know more about the project and learn from the man himself. •Follow me on Social Media• Facebook ▻ https://www.facebook.com/jamesjaymortgage Instagram ▻ https://www.instagram.com/jamesjaymortgage/ Website ▻ http://mortgagebosstx.com/ If you liked today's episode please subscribe to our podcast! We really appreciate you listening to us.

Summary: In today's episode, We had the pleasure of interviewing Aleshia Hawkins, and she will share how she managed her Real estate business from the ground up. Get to know her story about how she transitioned from a full-time employee to a successful realtor. With over 20 years of experience in the industry, she will share her strategy and give advice about how to go through the real estate industry in 2021. Timestamps: (3:28.000) What Led Aleshia to be in a Real Estate business. (11:36.000) Who do you look up to in the Real Estate industry? (14:13.100) Was there any fear during the transition from the corporate world to the Real estate business? (17:32.000) How did you navigate through your Real Estate business during 2020 and prepare for 2021? (22:26.000) What to focus on this 2021 that will help the business grow (25:35.600)Why is it important to educate people about Real estate? (30:57.000) What Advise would you give for aspiring people who want to get into the real estate business in 2021 •Follow me on Social Media• Facebook ▻ https://www.facebook.com/jamesjaymortgage Instagram ▻ https://www.instagram.com/jamesjaymortgage/ Website ▻ http://mortgagebosstx.com/ If you liked today's episode please subscribe to our podcast! We really appreciate you listening to us.

Summary: In this episode, we will be talking about How Credit Scores impact your Debt to Income Ratio. We will also discuss some of the General rules when it comes FHA, Conventional Loans, and VA. And how does the Debt to income ratio helps determine whether you qualify for a loan? Timestamps (1:15.000) What you need to know about Debt to Income Ratio (1:34.500) Your situation is unique to you (3:57.000) How to Calculate Debt to income for FHA loan (6:51.000) Mortgage Companies Underwriting Approval system (9:37.000) Importance of Good Credit Score (10:25.300) Compensating factors for FHA (12:24.000) Qualifying vs. Eligibility for VA (14:26.300) Is Conventional loan Stricter that VA and FHA? (15:15.100) Tips on How to Get a Good Credit score? •Follow me on Social Media• Facebook ▻ https://www.facebook.com/jamesjaymortgage Instagram ▻ https://www.instagram.com/jamesjaymortgage/ Website ▻ http://mortgagebosstx.com/ If you liked today's episode please subscribe to our podcast! We really appreciate you listening to us.