Truth in Lending

Joining the Truth in Lending team this week is Alex Bolden of Embolden Real Estate. She talks with us about having the faith to start your own business and build your own brand. This episode gives all the good feels...even if she doesn't like pie.

Bob Dalton CEO of Sackcloth & Ashes joins the podcast and talks about changing lives with a simple gift, a blanket. www.changeagents.com www.loveyourcity.org

Chris Vinson from Windsor Mortgage joins the Truth In Lending cast to talk about all things Mortgage Coaching. Are you coachable? Do you need a mortgage coach?

Angela Boothroyd with Windermere Real Estate Central Oregon joins the podcast to enlighten us all about the NAR Settlement taking effect August 17, 2024.

An episode entirely dedicated to our foolish predictions!

Think you know what it means to be wealthy? How do you get there and how does real estate play a part? Join the Truth In Lending gang as we welcome Renata Garbowski from AGP Wealth Advisors as she takes us on the journey to wealth health.

Learn all about Gift Tax, 2106 expenses, write-offs, and so much more! The Truth In Lending cast welcomes Greg Lankston to the show for Nerd Day, Randy's favorite day!

Welcome the Truth In lending podcast team back for Season 5! In this season opener, Katie is not engaged, the weather is warming up and so are our opinions about the political landscape and how it translates to the mortgage and real estate industries.

Matt Montoya with Engel & Voelkers and The Montoya Group joins the podcast in our Season 4 Finale to talk about what it takes to build a successful team.

Why is month-end so rough in our business? Find that out and a little this or that and here and there!

It's a hot and steamy love affair with economic data in today's episode. Make sure you have the a/c on full blast because it is a hot one!

Today is a veritable grab bag of this and that. No one knows what the other brought to the script. Randy talks Cancel Culture, Katie talks about re-casting and principle reductions and Greg learns more about Randy and Katie by asking some real deep questions!

Matt Graham from Mortgage News Daily & MBS Live joins Randy for a midday happy hour. Update on rates, where they are going and where they have been. Do election years really make that big of a difference and understanding the Fed Dot Plot. Drink every time Matt or Randy says Data Dependent!

Learn everything you need to know about building your own home and what the construction loan process is all about. The Mortgage Dudes from Mann Mortgage, Jake Van Cleave & Cory Alderman join the TIL podcast and share their experience when it comes to Construction Lending.

Donnie Eggers, Owner/Broker of Nexus 360 Realty joins the podcast and does a bit of Forecasting with the TIL band of misfits. We chat a bit about the NAR lawsuit as well. Is Katie getting married? Say what?

A good news podcast today! We review 2023 and Katie has a hangover.

Listen and Learn all about the Rural Development loan programs. Trish Cousins with USDA Rural Development Finance is our guest and provides all sorts of exciting information about USDA loans and even debunks a few myths!

Thanks to Kent Smith from loanDepot for joining us on this episode to talk about the side of the business we all love to hate...RECRUITING! Greg gives us a preview of the NAR lawsuit/settlement. ***audio...room for improvement***

Sam Ghannam w/ Homelight joins the crew to talk about the Buy Before You Sell program. Randy's Christmas spirit starts to shine and Katie brings us the topic of Approval and Mortgage Rates by state.

It's Season 4!!! 8% is not something Randy is proud of predicting some 18 months ago, but here we are. Randy's Room gives us a sneak peak of our guest list for Season 4. Katie's Korner talks all about EPO and 1st Payment Defaults and Greg's Garage presents the facts for us when it comes to copyright infringement and how to lose a quick $5000. Join us as we kick off Season 4 of Truth In Lending!

We are managing those all important customer relationships today with Spencer Dusebot of Think Aidium- The Mortgage CRM software with intelligent automation. Spencer breaks down why CRM's matter, the importance of lead conversion, and tips to better manage your relationships and referral partners. And as always, stay tuned for a heaping helping of news and opinion. It's the season 3 finale! Hit that subscribe button now, we have a lot of good things coming your way for Season 4. Access Think Aidium: https://thinkaidium.com/

On this episode we're taking a trip to the Mile High Metropolis of Denver so make sure to place the oxygen mask over your face first before assisting others in the cabin. Senior Mortgage Banker Nick White is joining us in the hopium den to give us his take on the current state of the market and what it means to be a survivor in the mortgage industry. Stay tuned for a re-cap on the PNW Mortgage Lenders Conference.

Smoke is in the room and this time it's not us. Joining us in the studio is Karmen Warner with Davidson & Associates Insurance to dive into all things fire insurance related. We learned so much from Karmen in this interview, if you're ready to spruce up your insurance knowledge, grab a pen and paper and hit that play button!

Today's podcast is inspired by the writings of MBS Live Founder & CEO Matt Graham, "Everyone you can Blame for the 2008 Mortgage Meltdown". We're taking a deep dive into 27 reasons for the 2008 housing crash. Are we headed down the same road today? What's different and what's still the same? Throw on your economist hat and get ready to play the blame game.

The rate fatigue is real, and we are all feeling it. Having trouble remaining positive? We can't help, but maybe spending the next 30 minutes with us will help you realize that life isn't that bad. Even at 8% rates.

Grab your correction tape and get ready to photoshop your way through the next forty minutes because today is all about loan fraud. No, not how to commit loan fraud you silly pirates. How to identify loan fraud and what you can do about it. Joining us in the studio for this hot topic is the sultan of CE, Mr. Ken Perry!

For over three years now Americans have gotten to ignore that pesky bill from student loans, but Uncle Sam is knocking on the door in October. In this episode we're diving deep into all things student loans and how Genene White with My LoanSense can help your clients despite the lingering student loans.

Love is in the air today, no it's not Valentine's Day, but today is still all about relationships. That's right, even in the wide world of mortgage and real estate, relationships do matter. Cupid's arrow has pierced even our cold black hearts today. Get ready for a deep dive into life balance, navigating personal relationships, when to fire a client or realtor, and how to love yourself and those around you.

Is digital content the secret to spring boarding your business? And what's the trick to successfully building your online brand? After sitting with some of the best marketing genius' and real estate professionals at the Forward Event in Vegas, Katie has a lot of tips, tricks, and encouragement to share.

Is it too late to get in the STR game? Or is it just hullabaloo? Tune in to find out why we're not racing out to buy a short-term rental anytime soon and some valuable insight for borrowers comparing STR's and second homes in today's market.

Grab a bucket of nails and turn up the volume because today we are continuing to build the future. Lindsay Klaassen, Regional Sales Manager for New Home Star Oregon and Hayden Homes, joined us in the studio to answer some pretty big questions in the new construction world. What are builders doing to combat housing shortages? Are builder incentives still a thing? And how have builders been able to maintain profitability with construction costs skyrocketing over the last few years? Tune in for the answers to these questions and so much more!

Welcome to the Truth in Lending Happy Hour! An abbreviated version of our typical podcast episodes. Today we thought we'd bring you the mortgage and real estate news that will put a smile on your face. So, pour a tall glass of Kool-Aid, sit back, and show off those pearly whites for the next fifteen minutes.

Grab a hammer and turn up the volume because today we are building the future with the president of Pahlisch Homes, Dan Pahlisch. We're talking all things new construction in the 2023 housing market from builder profitability, permits, inventory & housing shortages to the skinny on builders and their preferred lenders.

On today's show we're asking ourselves, have we become numb to this new market reality? We're all feeling pretty numb to the new articles, information, rate hikes, and rate improvements. Mortgage loan application volumes have decreased for the third straight week and national home prices continue to increase due to inventory shortages. What does the future hold and what can we do in the meantime to avoid falling asleep to world news and economic changes constantly swirling in the headlines around us? Tune in for some insight from Katie on marketing, a discussion on cashflow from Randy, and some stats from Greg on homebuyers and household debt.

Thanks for tuning into Truth in Lending, the podcast for mortgage people, by mortgage people. Today we're introducing our newest member of the Truth in Lending family, Greg Jackson and learning what irks Randy's potato along with pet peeves we all experience in lending and real estate.

We're back! Thanks for joining us for season three of Truth in Lending, the podcast for mortgage people, by mortgage people. After a couple months off, we've got the lights on and this time somebody is home. Today is May 10th, the long awaited day predicted by the infamous Barry Habib to be when rates would finally drop. Sorry Barry, as much as we'd like to this to be the case, we're just not seeing it. The fed hiked interest rates by .25 back on May 3rd and signaled a pause on hikes...for now. Are we headed in the right direction? Where do things go from here and what are our predictions? Tune in for some insight into soft credit pulls vs. hard credit pulls, a mindset pep-talk from the the multi-talented miss Katie Pelchar, and as always, your weekly mortgage news update.

Live from the zoom town studios in beautiful Bend, Oregon, it's Truth in Lending! The podcast for mortgage people, by mortgage people. On this week's episode, Tammy Golden of Arch Mortgage Insurance joined us in the studio to bust out some mortgage insurance myths and provide some insight to help you better serve your clients. What are the factors for how much the fee will be? How can I get rid of it? and how do market conditions effect prices? Tune in for some helpful information about the new LLPA's from Katie, and as always, your market updates from the Truth in Lending Mortgage News.

Live from the zoom town studios in beautiful Bend, Oregon, it's Truth in Lending! The podcast for mortgage people, by mortgage people. Get your pen and paper ready, it's a podcast takeover today with industry experts Founder & CEO of MBS Live, Matt Graham alongside former Global Head of Mortgages and ABS at Refinitiv and MBS Live Co-Founder, Adam Quinones. Matt and Adam dove deep into all things market related. What are the biggest market movers we should be watching out for? What is the best-practice for locking vs. floating? and How do we become better listeners to what the market is saying? This episode is PACKED with information you're not going to want to miss. Randy Vance NMLS 1455628, Hixon Mortgage Company a subsidiary of American Pacific Mortgage Corp NMLS 1850 Equal Housing Lender. Katie Pelchar NMLS 1588514, Loan Depot NMLS 174457, Equal Housing Lender.

Live from the zoom town studios in beautiful Bend, Oregon, it's Truth in Lending! The podcast for mortgage people, by mortgage people. Get ready to learn all about the Home Energy Score; what you need to know, and how it can impact your business. Local home inspector and owner of Porchlight Home Inspection, John Schwencke, joined us in the studio to dive into the ins and outs on what has been a controversial topic in our area. Randy Vance NMLS 1455628, Hixon Mortgage Company a subsidiary of American Pacific Mortgage Corp NMLS 1850 Equal Housing Lender. Katie Pelchar NMLS 1588514, Loan Depot NMLS 174457, Equal Housing Lender.

Live from the zoom town studios in beautiful Bend, Oregon, it's Truth in Lending! The podcast for mortgage people, by mortgage people. Today is all about appraisals and we have a very special guest in the studio with us today. Local appraiser Jeff Schluter is here to answer all of our questions about appraisals and believe me, we have a lot of questions. Tune in for a discussion with Randy on the continuous fed rate hikes and Katie's two-sense on the next big thing blowing up the internet, Chat-GPT. Randy Vance NMLS 1455628, Hixon Mortgage Company a subsidiary of American Pacific Mortgage Corp NMLS 1850 Equal Housing Lender. Katie Pelchar NMLS 1588514, Loan Depot NMLS 174457, Equal Housing Lender.

Live from the zoom town studios in beautiful Bend, Oregon, it's Truth in Lending! The podcast for mortgage people, by mortgage people. Today the CE legend himself, the one and only Ken Perry, joined us to provide some insight as to how he was able to pivot from a top producing loan originator to creating the mortgage education empire we all know today as the Knowledge Coop. Tune in to find out why mortgage industry workers need compliance, Ken's two-sense on the CFPB's funding being ruled unconstitutional, and his opinion on how the new LLPA's taking effect in May might affect our industry. We promise this is an episode you're not going to want to miss! Randy Vance NMLS 1455628, Hixon Mortgage Company a subsidiary of American Pacific Mortgage Corp NMLS 1850 Equal Housing Lender. Katie Pelchar NMLS 1588514, Loan Depot NMLS 174457, Equal Housing Lender.

Live from the zoom town studios in beautiful Bend, Oregon, it's Truth in Lending! The podcast for mortgage people, by mortgage people. Holy Loan Level Price Adjustments Batman! Fannie & Freddie have decided to make it a bit more expensive for some and cheaper for others that are looking to get a mortgage in 2023. What will this means for your borrowers? Who will it benefit and who is better off purchasing before this comes into effect? Tune in for a deep dive into all the upcoming changes headed our way as of May 2023. Randy Vance NMLS 1455628, Hixon Mortgage Company a subsidiary of American Pacific Mortgage Corp NMLS 1850 Equal Housing Lender. Katie Pelchar NMLS 1588514, Loan Depot NMLS 174457, Equal Housing Lender.

Live from the zoom town studios in beautiful Bend, Oregon, it's Truth in Lending! The podcast for mortgage people, by mortgage people. It's a brand new year full of surprises including our surprise guest Heather Lowrie from Pahlisch Homes who joined us in the studio to talk all things new construction. Will we see builders get out of the business or see companies merging? Inventory continues to be an issue with existing homes. What is inventory like for new builds? Tune in for a deep dive into all things new construction in 2023 as well as as some tips on bargain hunting from Randy, and a much needed positive pep talk to our fellow mortgage peers from Katie. Randy Vance NMLS 1455628, Hixon Mortgage Company a subsidiary of American Pacific Mortgage Corp NMLS 1850 Equal Housing Lender. Katie Pelchar NMLS 1588514, Loan Depot NMLS 174457, Equal Housing Lender.

Live from the zoom town studios in beautiful Bend, Oregon, it's Truth in Lending! The podcast for mortgage people, by mortgage people. It's the end of the year and we can't wait to say goodbye to 2022! It has been a year of ups and downs for a lot of us. Tune into this week's episode for the highs and lows of the last year, some of our favorite and not-so-favorite changes, and our predictions for 2023. Randy Vance NMLS 1455628, Hixon Mortgage Company a subsidiary of American Pacific Mortgage Corp NMLS 1850 Equal Housing Lender. Katie Pelchar NMLS 1588514, Loan Depot NMLS 174457, Equal Housing Lender.

Live from the zoom town studios in beautiful Bend, Oregon, it's Truth in Lending! The podcast for mortgage professionals, by mortgage professionals. On this week's episode we are joined by Jacob Fain w/ Morgan Stanley as he helps us connect the dots between different markets. How does CPI and the Fed Rate decision affect the financial advising side of things? How do loans work against my assets? And what is Jacob's advise for the first time homeowner when it comes to diversifying their portfolio and net worth? Tune if for an episode packed full of knowledge from the finance world, a discussion on the 2023 loan limits, and a deep dive into interest only loans. Randy Vance NMLS 1455628, Hixon Mortgage Company a subsidiary of American Pacific Mortgage Corp NMLS 1850 Equal Housing Lender. Katie Pelchar NMLS 1588514, Loan Depot NMLS 174457, Equal Housing Lender.

Live from the zoom town studios in beautiful Bend, Oregon, it's Truth in Lending! The podcast for mortgage professionals, by mortgage professionals. Today we have James Fleming with Payne West to answer all of our questions about insurance. Why do we need it? What is and isn't covered for homeowners? and does bundling really save? Holidays are also just around the corner! What are you doing to get in front of your clients? Tune in for some ideas of touch-points and to top it all off, a hearty discussion on how to opt out of trigger lead phone calls. Randy Vance NMLS 1455628, Hixon Mortgage Company a subsidiary of American Pacific Mortgage Corp NMLS 1850 Equal Housing Lender. Katie Pelchar NMLS 1588514, Loan Depot NMLS 174457, Equal Housing Lender.

Live from the zoom town studios in beautiful Bend, Oregon, it's Truth in Lending! The podcast for mortgage professionals, by mortgage professionals. Today we are talking all things first time home buyers, low income loans and down payment assistance. Tune in for an episode packed with tips and tricks for first time home buyers and special loan programs. Randy Vance NMLS 1455628, Hixon Mortgage Company a subsidiary of American Pacific Mortgage Corp NMLS 1850 Equal Housing Lender. Katie Pelchar NMLS 1588514, Loan Depot NMLS 174457, Equal Housing Lender.

Live from the zoom town studios in beautiful Bend, Oregon, it's Truth in Lending! The podcast for mortgage professionals, by mortgage professionals. Today we are saluting our men and women who have served, or are currently serving in America's military. Thank you for your service and your sacrifice. Tune in for a little Veteran's day history and a lot of talk about the VA loan and how those of us in the mortgage industry can help our veterans. Randy Vance NMLS 1455628, Hixon Mortgage Company a subsidiary of American Pacific Mortgage Corp NMLS 1850 Equal Housing Lender. Katie Pelchar NMLS 1588514, Loan Depot NMLS 174457, Equal Housing Lender.

We're back for season two! Live from the zoom town studios in beautiful Bend, Oregon, it's Truth in Lending! The podcast for mortgage professionals, by mortgage professionals. It has been nearly two months since our last show and boy have there been some interesting things going on… rates hit and passed 7%, layoffs in the industry, and the great mortgage migration, and as always don't miss the Truth in Lending Mortgage News for updates on this crazy market. Randy Vance NMLS 1455628, Hixon Mortgage Company a subsidiary of American Pacific Mortgage Corp NMLS 1850 Equal Housing Lender. Katie Pelchar NMLS 1588514, Loan Depot NMLS 174457, Equal Housing Lender.

Live from the zoom town studios in beautiful Bend, Oregon, it's Truth in Lending! The podcast for mortgage professionals, by mortgage professionals. It's our season finale ladies and germs and today we are saluting our heroes. Jenna Jacobsen with Nine-Bark Real Estate joined us in studio to talk all things Homes 4 Heroes and what the program can do for your business as well as how you can help your community. Tune back in in a few weeks for the start of Season 2! Randy Vance NMLS 1455628 | Synergy One Lending NMLS 907235 Equal Housing Lender. Katie Pelchar NMLS 1588514 | Loan Depot NMLS 174457 Equal Housing Lender.

Live from the zoom town studios in beautiful Bend, Oregon, it's Truth in Lending! The podcast for mortgage professionals, by mortgage professionals. This week, the Fed is turning down the heat on the housing market and rates keep climbing. With so much doom and gloom lately Katie touches on some different ideas or strategies to make sure that you don't bring that doom and gloom ‘vibe', ‘aura', or ‘feeling' into your conversations with clients and referral partners, Randy shares some insight on how to stay busy during the slow times, and as always tune in for the Truth in Lending Mortgage News. Randy Vance NMLS 1455628 | Synergy One Lending NMLS 907235 Equal Housing Lender. Katie Pelchar NMLS 1588514 | Loan Depot NMLS 174457 Equal Housing Lender.