Podcasts about The Borrowers

Trade deal talks between the US and Canada just collapsed, and Mark Carney has confirmed that the two countries are in a trade war. Many Canadian politicians are now threatening to cut off energy flowing into the US, but there's just one problem. Doing so would cripple more than half of Canada too. There are big things happening at Blaze, and we'd love for you to join us. You can join now at https://Get.BlazeTV.com/Nick and use promo code “NICK” to get $20 off! SPONSOR: American Financing American Financing helps homeowners use their equity to consolidate high-interest credit card debt, with mortgage rates in the 5s and zero upfront fees. Borrowers save an average of $800 a month, and with a likely rate hike coming in September, acting now could save you thousands. You may even be able to delay two mortgage payments. NMLS 182334, nmlsconsumeraccess.org. APR for rates in the 5s start at 6.327% for well qualified borrowers. Call 866-886-2026 for details about credit costs and terms. Average savings based on borrowers who save over $199.99. Call 866-886-2026 or visit https://www.AmericanFinancing.net/MTA ----- GET YOUR MERCH HERE: https://shop.nickjfreitas.com/ BECOME A MEMBER OF THE IC: https://NickJFreitas.com Instagram: https://www.instagram.com/nickjfreitas/ Facebook: https://www.facebook.com/NickFreitasVA Twitter: https://twitter.com/NickJFreitas YouTube: https://www.youtube.com/@Nickjfreitas TikTok: https://www.tiktok.com/@nickjfreitas3.0 00:00 – Trump declares a trade war on Canada 01:58 – What tariffs are actually good for 05:48 – Canada wants the benefits of being a US State, without being one 08:58 – Why this is really about China and Iran 11:07 – Luxury beliefs, and who pays for them 15:22 – Why tariffs don't make a country richer 20:40 – What's actually being tariffed 23:33 – How Chinese steel becomes a North American car 30:01 – Ontario threatens to cut off the energy 32:09 – The pipeline they cancelled, and the leverage they lost 41:19 – How long until somebody flinches? 44:01 – The demand that actually broke the talks 48:47 – The conversation Canada didn't want to have 57:23 – Why everyone is waiting on the midterms Learn more about your ad choices. Visit megaphone.fm/adchoices

Reverse mortgages have carried a negative reputation for years, especially among Christians who are cautious about debt. But as with any financial tool, faithful stewardship calls us to understand how it works before deciding whether it belongs in a financial plan. Harlan Accola leads the reverse mortgage team at Movement Mortgage, a FaithFi underwriter. He joined the show today to explain why reverse mortgages remain controversial, how today's Home Equity Conversion Mortgage (HECM) differs from older products, and when it might play a useful role in retirement planning. Why Are Christians Hesitant About Reverse Mortgages? For many believers, the hesitation begins with debt itself. Scripture repeatedly encourages wisdom, contentment, and caution in financial matters, so borrowing against a home's equity can feel contrary to good stewardship. There is also the lingering reputation of earlier reverse mortgage products. Many people remember stories involving high costs, confusing terms, or homeowners facing difficult circumstances later in life. Accola says those concerns are understandable. “I felt the same way in the past before I understood them,” he said. But he argues that many people are evaluating today's federally insured reverse mortgages based on older versions of the product—or confusing them with other home-equity arrangements that work very differently. That makes it important to understand exactly which product is being considered and how its protections, costs, and obligations work. What Is a HECM? The most common type of reverse mortgage is the Home Equity Conversion Mortgage, or HECM, which is insured by the Federal Housing Administration. Unlike a traditional mortgage, a HECM generally does not require the borrower to make monthly principal and interest payments. Instead, the loan balance typically grows over time and becomes due when the borrower no longer occupies the home as a principal residence, sells the property, or dies. The homeowner still retains ownership of the home and remains responsible for obligations such as property taxes, homeowners insurance, and property maintenance. HECMs also include protections designed specifically for older homeowners. Borrowers must complete independent counseling before obtaining the loan, and the loans are non-recourse, meaning the borrower or heirs generally will not owe more than the home's value when the loan is repaid. Certain eligible non-borrowing spouses may also be able to remain in the home after the borrowing spouse dies, provided they meet program requirements. Those features make today's HECM significantly different from some of the products that contributed to reverse mortgages' poor reputation in earlier decades. Turning Home Equity Into Retirement Flexibility For many retirees, a home represents one of their largest assets. Yet that wealth is often difficult to use without selling the property or taking on more debt. A reverse mortgage can potentially convert a portion of that equity into accessible funds. One possible benefit is improved monthly cash flow. Eliminating a required mortgage payment could help a retiree living on reduced income balance a budget without turning to credit cards or other higher-cost borrowing. Reverse mortgage proceeds may also provide additional resources for expenses such as home repairs, healthcare, or long-term care. A HECM line of credit can offer another form of flexibility. For example, retirees may be able to draw from home equity during a market downturn rather than selling investments after they have declined in value. Used carefully, that could give an investment portfolio more time to recover. Home equity might also help preserve other retirement assets for later years, a surviving spouse, or heirs. The goal isn't simply to access more money. It's to consider all the resources God has entrusted to us and ask how they can work together wisely. As Luke 16:10 reminds us, “One who is faithful in a very little is also faithful in much.” Faithfulness includes not only how we accumulate resources but also how thoughtfully we use what God has already provided. Could a Reverse Mortgage Support Generosity? Accola has also seen situations where accessing home equity allowed retirees to give more generously during their lifetime rather than waiting for assets to transfer after death. That won't be the right choice for everyone. Giving should never come at the expense of maintaining appropriate provision for yourself or a spouse. But the example highlights an important stewardship principle: a home is not necessarily separate from the rest of a financial plan simply because its value is tied up in real estate. For some families, home equity may be another resource to consider prayerfully alongside savings, investments, retirement income, and other assets. Start With the Plan, Not the Product A reverse mortgage is not appropriate for every homeowner. Before pursuing one, Accola recommends beginning with the bigger financial picture. Ask questions such as: How long do we expect to remain in this home? How would a reverse mortgage affect our monthly cash flow? What costs are associated with the loan? How will we continue paying property taxes, insurance, and maintenance? How could the loan affect what we eventually leave to our heirs? Are there other resources available that might accomplish the same goal? How does this decision fit within our overall retirement, estate, and generosity plans? That last question may be the most important. A reverse mortgage should not be viewed simply as a financial product to purchase. It should be evaluated within the context of a thoughtful retirement plan. Working with professionals who understand both the technical details of the loan and the homeowner's broader financial goals can help families consider the tradeoffs carefully. Is a Reverse Mortgage Right for You? A reverse mortgage isn't for every household, and using home equity should never be an excuse for careless spending. But you shouldn't reject the product simply because of its reputation. For the right homeowner, a modern HECM may turn otherwise inaccessible home equity into a flexible resource for cash flow, retirement planning, long-term care, or even greater generosity. Faithful stewardship means looking carefully at every resource God has entrusted to us, understanding our options, and making decisions that serve the larger financial plan. To learn more about reverse mortgages through Movement Mortgage, visit FaithFi.com/Movement. On Today's Program, Rob Answers Listener Questions: My daughter was approved for a $325,000 mortgage, but the rate wasn't locked. Now that she's found a home, the lender says she has to choose when to lock, with rates ranging from about 5.6% to 6.75%. How should she decide when to lock in her rate? I'm 78 and considering buying a $300,000 home in a 55+ community. I also own a rental property with about $88,000 left on a 4% mortgage, and I don't need the rental income to cover my expenses. Should I keep the rental or move into it? And if I buy in the 55+ community, how should I balance paying cash versus taking a traditional or reverse mortgage? Resources Mentioned: Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner) Movement Mortgage Thriving in Love and Money: 5 Game-Changing Insights about Your Relationship, Your Money, and Yourself by Shaunti and Jeff Feldhahn FaithFi Field Guide: How Much Money is Enough?  Our Ultimate Treasure: A 21-Day Journey to Faithful Stewardship by Rob West Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety Rich Toward God: A Study on the Parable of the Rich Fool Find a Certified Kingdom Advisor® (CKA) FaithFi App Remember, you can call in to ask your questions every weekday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In Episode 232, Sarah is joined by returning guest Anderson McKean of Page & Palette Bookstore for the 2026 edition of Micro Genres! Each year, this series gives us a chance to niche down even further into the kinds of books we love — spotlighting those very specific sub-sub-genres that capture a particular reading taste. This year, Sarah and Anderson have 10 all-new Micro Genres to share, along with standout books for each. With more than 80 books mentioned, you're bound to find a few new additions to your TBR — and maybe recognize a Micro Genre or two of your own. This post contains affiliate links through which I make a small commission when you make a purchase (at no cost to you!). CLICK HERE for the full episode Show Notes on the blog. Politically-Adjacent Stories (Sarah) The Hopefuls by Jennifer Close (2016) | Amazon | Bookshop.org  [3:00]  Charlotte Walsh Like to Win by Jo Piazza (2018) | Amazon | Bookshop.org [3:11]  American Wife by Curtis Sittenfeld (2008) | Amazon | Bookshop.org  [3:36] Rodham by Curtis Sittenfeld (2020) | Amazon | Bookshop.org  [3:38]   Vantage Point by Sara Sligar (2025) | Amazon | Bookshop.org  [3:47] The Emperor of Ocean Park (Elm Harbor, 1) by Stephen L. Carter (2002) | Amazon | Bookshop.org  [4:48]   Palace Council (Elm Harbor, 3) by Stephen L. Carter (2008) | Amazon | Bookshop.org  [4:49]  The Boomerang by Robert Bailey (2025) | Amazon | Bookshop.org  [5:23] State of Terror by Louise Penny and Hillary Clinton (2021) | Amazon | Bookshop.org  [6:14]  The Situation Room by George Stephanopoulos (2024) | Amazon | Bookshop.org  [6:55]  Becoming by Michelle Obama (2018) | Amazon | Bookshop.org  [8:18]  From the Corner of the Oval by Beck Dorey-Stein (2018) | Amazon | Bookshop.org  [8:53]  Retellings that Are NOT Mythological (Anderson) Lady Tremaine by Rachel Hochhauser (2026) | Amazon | Bookshop.org  [10:41]  The Beheading Game by Rebecca Lehmann (2026) | Amazon | Bookshop.org [10:58]  Beautiful Little Fools by Jillian Cantor (2022) | Amazon | Bookshop.org [11:55]  Hester by Laurie Lico Albanese (2022) | Amazon | Bookshop.org  [12:23]  Honeysuckle by Bar Fridman-Tell (2026) | Amazon | Bookshop.org  [12:55]  Eligible by Curtis Sittenfeld (2016) | Amazon | Bookshop.org  [14:03]  Anna K (Anna K, 1) by Jenny Lee (2020) | Amazon | Bookshop.org  [14:08]  Demon Copperhead by Barbara Kingsolver (2022) | Amazon | Bookshop.org [14:20]  The Kind Worth Killing by Peter Swanson (2015) | Amazon | Bookshop.org [14:36]  The Favorites by Layne Fargo (2025) | Amazon | Bookshop.org  [14:48]  Broken Country by Clare Leslie Hall (2025) | Amazon | Bookshop.org  [14:57]  Wasp's Nest by Kat Stoddard (2026) | Amazon | Bookshop.org  [15:26]  A Thousand Acres by Jane Smiley (1991) | Amazon | Bookshop.org  [15:39]  Other Books Mentioned The Scarlet Letter by Nathaniel Hawthorne (1850) [12:32]  James by Percival Everett (2024) [12:36]  Pride and Prejudice by Jane Austen (1813) [14:07]  Anna Karenina by Leo Tolstoy (1878) [14:11]  David Copperfield by Charles Dickens (1850) [14:24]  Strangers on a Train by Patricia Highsmith (1950) [14:41]  Wuthering Heights by Emily Brontë (1847) [14:55]  The Go-Between by L. P. Hartley (1953) [15:03]  The Philadelphia Story by Philip Barry (1939) [15:32]  King Lear by William Shakespeare (1608) [15:45]  Ministers Behaving Badly (Sarah) Dominion by Addie E. Citchens (2025) | Amazon | Bookshop.org  [16:36] Awake by Jen Hatmaker (2025) | Amazon | Bookshop.org  [16:45] God Spare the Girls by Kelsey McKinney (2021) | Amazon | Bookshop.org [17:19] The True Confessions of First Lady Freeman by Deesha Philyaw (Sep 29, 2026) | Amazon | Bookshop.org  [17:36] The Dearly Beloved by Cara Wall (2019) | Amazon | Bookshop.org  [17:51] The Poisonwood Bible by Barbara Kingsolver (1998) | Amazon | Bookshop.org [18:16] Dear Reader / Love Letters to Books (Anderson) This Book Made Me Think of You by Libby Page (2026) | Amazon | Bookshop.org  [19:14] The Starless Sea by Erin Morgenstern (2019) | Amazon | Bookshop.org  [19:53] The Borrower by Rebecca Makkai (2011) | Amazon | Bookshop.org  [20:22] Dear Fahrenheit 451 by Anne Spence (2017) | Amazon | Bookshop.org  [22:24] Mr. Penumbra's 24-Hour Bookstore by Robin Sloan (2012) | Amazon | Bookshop.org  [22:37] The Storied Life of A. J. Fikry by Gabrielle Zevin (2014) | Amazon | Bookshop.org  [22:56] Other Books Mentioned I Have Some Questions for You by Rebecca Makkai (2023) [20:29] The Great Believers by Rebecca Makkai (2018) [20:31] Yellowface by R. F. Kuang (2023) [22:15] Dark Humor (Sarah) Rabbit Cake by Annie Hartnett (2017) | Amazon | Bookshop.org  [23:52] Unlikely Animals by Annie Hartnett (2022) | Amazon | Bookshop.org  [23:53] The Road to Tender Hearts by Annie Hartnett (2025) | Amazon | Bookshop.org [23:55] Goodbye, Vitamin by Rachel Khong (2017) | Amazon | Bookshop.org  [24:41] Cleo Dang Would Rather Be Dead by Mai Nguyen (2026) | Amazon | Bookshop.org  [25:42] Lost Lambs by Madeline Cash (2026) | Amazon | Bookshop.org  [25:51] The Heart's Invisible Furies by John Boyne (2017) | Amazon | Bookshop.org [26:00] Here One Moment by Liane Moriarty (2024) | Amazon | Bookshop.org  [26:47] Other Books Mentioned Real Americans by Rachel Khong (2024)  [24:44] Fantasy Even Sarah Might Like / Fantasy-Lite (Anderson) Conform (Conform Series, 1) by Ariel Sullivan (2025) | Amazon | Bookshop.org [28:54] The Night Circus by Erin Morgenstern (2011) | Amazon | Bookshop.org  [30:13] The Familiar by Leigh Bardugo (2024) | Amazon | Bookshop.org  [30:39] The Atlas Six (The Atlas Trilogy, 1) by Olivie Blake (2022)* | Amazon | Bookshop.org  [30:53] A Darker Shade of Magic (Shades of Magic, 1) by V. E. Schwab (2015) | Amazon| Bookshop.org  [31:57] Bury Our Bones in the Midnight Soil by V. E. Schwab (2025) | Amazon | Bookshop.org  [32:02] The Midnight Train (The Midnight World, 2) by Matt Haig (2026) | Amazon | Bookshop.org  [32:04] The Midnight Library (The Midnight World, 1) by Matt Haig (2020) | Amazon | Bookshop.org  [32:05] The Measure by Nikki Erlick (2022) | Amazon | Bookshop.org  [32:20] The Dream Hotel by Laila Lalami (2025) | Amazon | Bookshop.org  [32:25] The Other Valley by Scott Alexander Howard (2024) | Amazon | Bookshop.org [32:28] Other Books Mentioned The Hunger Games (The Hunger Games, 1) by Suzanne Collins (2008) [29:03] The Handmaid's Tale (The Handmaid's Tale, 1) by Margaret Atwood (1985) [29:04] Like Friday Night Lights, But Book Form (Sarah) a.k.a. Sports Books That Are About Far More Than Sports The Art of Fielding by Chad Harbach (2011) | Amazon | Bookshop.org  [35:06]  The Slip by Lucas Schaefer (2025) | Amazon | Bookshop.org  [35:15]  The World According to Garp by John Irving (1978) | Amazon | Bookshop.org [35:51] In One Person by John Irving (2012) | Amazon | Bookshop.org  [35:53]   Carrie Soto Is Back by Taylor Jenkins Reid (2022) | Amazon | Bookshop.org [36:12]  The Flock by Ellen Bar (Apr 27, 2027) | Amazon | Bookshop.org  [36:41]  The Last Days of Vic & Coco by Taylor Jenkins Reid (Mar 2, 2027) | Amazon | Bookshop.org  [38:31]  Other Books Mentioned The Amateur by Chris Bohjalian (2026)  [37:29]  The Double Bind by Chris Bohjalian (2007)  [37:48]  Women Rule the World (Anderson) The Romanov Empress by C. W. Gortner (2018) | Amazon | Bookshop.org  [40:16]  Mademoiselle Chanel by C. W. Gortner (2015) | Amazon | Bookshop.org  [40:41] Marlene by C. W. Gortner (2016) | Amazon | Bookshop.org  [40:43] The Woman with the Cure by Lynn Cullen (2023) | Amazon | Bookshop.org [41:07]  Mrs. Poe by Lynn Cullen (2013) | Amazon | Bookshop.org  [41:28]  Twain's End by Lynn Cullen (2015) | Amazon | Bookshop.org  [41:31] Lady Clementine by Marie Benedict (2020) | Amazon | Bookshop.org  [41:36]  The Other Einstein by Marie Benedict (2016) | Amazon | Bookshop.org  [41:53] The Only Woman in the Room by Marie Benedict (2019) | Amazon | Bookshop.org  [41:47] Daughter of a Daughter of a Queen by Sarah Bird (2018) | Amazon | Bookshop.org  [42:03] Other Books Mentioned Z: A Novel of Zelda Fitzgerald by Therese Anne Fowler (2013) [43:13]  Isola by Allegra Goodman (2025) [43:32]  Royals (Sarah) The Royal We (The Royal We, 1) by Heather Cocks and Jessica Morgan (2015) | Amazon | Bookshop.org  [45:04]  Red, White & Royal Blue (Red, White & Royal Blue, 1) by Casey McQuiston(2019) | Amazon | Bookshop.org  [45:06]  American Royals (American Royals, 1) by Katharine McGee (2019) | Amazon | Bookshop.org  [45:09]  Spare by Prince Harry (2023) | Amazon | Bookshop.org  [45:19] The Force of Such Beauty by Barbara Bourland (2022) | Amazon | Bookshop.org  [45:29] The Heir Apparent by Rebecca Armitage (2025) | Amazon | Bookshop.org [45:48]   The Windsor Affair by Melanie Benjamin (2026) | Amazon | Bookshop.org [46:03]  This Land is Your Land (Anderson) Land by Maggie O'Farrell (2026) | Amazon | Bookshop.org  [46:34]  Damnation Spring by Ash Davidson (2021) | Amazon | Bookshop.org  [47:33]  I Will Send Rain by Rae Meadows (2016) | Amazon | Bookshop.org  [47:52]  The Well and the Mine by Gin Phillips (2007) | Amazon | Bookshop.org [48:07]  Greenwood by Michael Christie (US Release 2020) | Amazon | Bookshop.org [49:03]  The Islanders by Lewis Robinson (2024) | Amazon | Bookshop.org  [49:32]  The Shark House by Sara Ackerman (2026) | Amazon | Bookshop.org  [49:40]  *Publication year reflects the later traditionally published edition for a book originally self-published.

Wanna work with us? Schedule a call here: https://go.oncehub.com/bookacall Want to stand out as a private lender? Make it easier to work with you. In this episode of the Private Lenders Podcast, Jason and Chris break down how private lenders can win more deals by delivering a faster, simpler, more responsive borrower experience. From streamlining applications and closing processes to improving communication, payments, and draws, they share practical strategies that can help you become the lender borrowers want to work with—and turn a better experience into more repeat business and referrals. In this episode, you'll learn how to: • Make your lending process faster and easier • Reduce friction during applications and closings • Communicate more effectively with borrowers • Use technology to simplify payments and loan servicing • Create an experience that drives repeat borrowers and referrals If your competition is selling the same terms, your service can become your competitive advantage.  ✅ Please like, subscribe, and share! ✅ Are you a new or experienced private lender or hard money lender? Join Jason Balin and Chris Haddon from Hard Money Bankers as they draw from their extensive experience running a successful hard money lending company since 2007. Tune in weekly with episodes related to all aspects of private lending. From discovering lucrative loan opportunities to securing private capital, effectively managing your loan portfolio, handling defaults, and much more, we've got you covered. ✔️ Tune in now and watch the full video podcast at www.privatelenderspodcast.com ✔️If you enjoyed this podcast we would appreciate a positive review... https://podcasts.apple.com/us/podcast/private-lenders-podcast/id1476153070 ✔️Make sure to check out the #1 Online Community For New and Experienced Private and Hard Money Lenders.. Create your account at www.hardmoneymastermind.com   FOLLOW US ON SOCIAL Get updates or reach out to Get updates on our Social Media Profiles! ✅ Instagram: https://www.instagram.com/hardmoneymastermind/ ✅ Tiktok: https://www.tiktok.com/@hardmoneymastermind  

If you're on an income-driven repayment plan, you might be paying a marginal tax rate that rivals (or exceeds) those in high-tax countries. We walk through exactly how that number gets built, showing how many borrowers effectively lose close to half of every additional dollar earned. We get practical about how this impacts your investment strategy, spending habits, and even decisions like working less. I also break down why pre-tax savings accounts (and careful house/car choices) can buy you back weeks of life — and sanity.Key moments:(00:00) Why an income-driven borrower's tax rate rivals Sweden's(04:44) How a $150K salary hits a 47.55% marginal tax rate(08:51) Using dependent care FSAs and HSAs to effectively get “50% off”(16:22) How driving a modest car or working less can radically impact your life after taxesResource mentioned: Afford Anything podcast by Paula PantLike the show? There are several ways you can help!Follow on Apple Podcasts, Spotify or Amazon MusicLeave an honest review on Apple PodcastsSubscribe to the newsletterJoin SLP Insiders for student loan loopholes, SLP app and member communityFeeling helpless when it comes to your student loans?Try our free student loan calculatorCheck out our refinancing bonuses we negotiatedBook your custom student loan planGet profession-specific financial planningDo you have a question about student loans? Leave us a voicemail here or email us at help@studentloanplanner.com and we might feature it in an upcoming show!Mentioned in this episode:Want more? Check out our other podcastStarting to think beyond your student loans? Check out our other show, Financially Free Era. It's about what comes next, investing, building wealth, and designing a life you actually want. Find "Financially Free Era by SLP Wealth" in your podcast app.Tips I Can't Share PubliclyGetting our free newsletter? Upgrade your experience and discover student loan loopholes so good, they might get repealed if I talk about them publicly. Find out my very best thought leadership that I really just can't be open about anymore, unfortunately. If you want to get our very best tips, not just the ones that I can share for free. Go to studentloanplanner.com/insider to get a special discount for your year membership.

Support the showThank you for listening to this podcast! Follow Pastor James D. Gailliard on all social media @jdgailliard and get connected with Word Tabernacle Church by going to https://wordtab.net/ #EveryoneThriving 

Send us Fan MailStudent loan changes have left many veterinarians feeling uncertain about what to do next.Should you focus on paying down debt? Build savings? Contribute to retirement accounts? The answer may not be as straightforward as you think.In this episode of the Smarter Vet Podcast, Tom Seeko and CJ Burnett discuss how veterinarians can create balance between managing student loans and building financial stability. They break down recent student loan repayment changes, emergency savings strategies, retirement planning considerations, and practical steps to help you make thoughtful financial decisions without letting debt take over your life.Key topics include:Why the answer to "save or pay off debt?" is often bothBuilding an emergency reserve before aggressively paying down loansHow employer retirement matches can accelerate progressUnderstanding repayment plan changes and forgiveness opportunitiesCreating flexibility and financial control through savingsA six-step framework for prioritizing debt repayment and long-term goalsListen now and learn how to build a financial strategy that supports both today's needs and tomorrow's goals.Smarter Vet Podcast-https://flveterinaryadvisors.com/smarter-vet-financial-podcast/Watch the no cost 5-part video course to review your finances and see where you could be doing better in your finances:5 Foundational Steps to Financial Balance Video Course-http://series.flvetadvisors.com/Find out what you could be overlooking within your practice by taking our brief assessment:Test My Personal Financial IQ-https://flveterinaryadvisors.com/personal-test/Sign up for a complimentary phone call to talk about how to get better use of all the cash inside your practice:Schedule a time-https://flveterinaryadvisors.com/contact-usInstagram-https://www.instagram.com/flveterinaryadvisors/Facebook-https://facebook.com/flvetadvisorsLinkedIn-https://linkedin.com/company/flvetadvisorsYouTube- https://www.youtube.com/@floridaveterinaryadvisors7665

Efri Argaman shares his unconventional approach to real estate financing, focusing on assessing true repayment ability and creating innovative investment funds. Discover how his background in economics and experience in various industries led to the development of a non-QM lending system that challenges traditional underwriting standards.   Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:  Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership:  Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true 'white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright:  Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a "mini-mastermind" with Mike and his private clients on an upcoming "Retreat", either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas "Big H Ranch"? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform!  Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------

Treasuries and Agency MBS have rallied on easing geopolitical tensions, while resilient labor market data, a narrowing trade deficit, and steady purchase-driven mortgage issuance reinforced expectations that the Fed will remain focused on inflation even as higher mortgage rates continue to suppress refinancing activity. Plus, Robbie interviews HomeLight's Nick Friedman on how affordability challenges are evolving as the housing market adjusts to higher borrowing costs. And the podcast closes with the latest look at mortgage applications from MBA.Thank you to Figure. Figure is shaking up the lending world with their five-day HELOC, offering borrower approvals in as little as five minutes and funding in five days. Figure has hundreds of partners in the Banking, Credit Union, Home Improvement, and of course, IMB space embedding their technology. Welcome to The Chrisman Commentary, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.

HorrorAddicts.net Season 21 CURATED, Episode# 261 Horror Hostess: Emerian Rich Intro Music by: Valentine Wolfe ************************************ 261 | #BlackCats | Francesca Maria | Darkswoon http://traffic.libsyn.com/horroraddicts/HorrorAddicts261.mp3 Find all articles and interviews at: http://www.horroraddicts.net   124 days till Halloween      Theme: #BlackCats Francesca Maria https://wwww.francescamaria.com   Music: "Going Dark" Darkswoon https://youtu.be/D86AEKRsbjE?si=TK7raEq4L3H4o6Ym   Catchup:  #HardTimes #boundaries #SayNo    Historian of Horror: #MarkOrr #BlackCats #TheBlackCat #1934 #BorisKarloff #BellaLugosi #BasilRathbone #GailSondergaard #TheBlackCat #1941 #BroderickCrawford    AUTHORTUNIES: Angela Yuriko Smith https://authortunities.substack.com/   HA SOAPBOX:  https://forms.gle/qbanMDWUxYAuB1EK8   Quiz-akit: If man A buries man B alive, and then man B rises from the grave and scares the Night Watchman to have a heart attack and die, who is responsible for the Night Watchman's death? Answer? Jeff write in. Write in answers! horroraddicts@gmail.com    Dead Mail: #HorrorFan JEFF: #thrifting #tarot #AmericanScienceSurplus  THERESA: answer for WINSTON 258 #Zootopia ROBERT: What was the movie Mark was talking about? Alien Outlaw.  Western Horror Movie List: Bone Tomahawk, From Dusk Til Dawn, The Wind, West of Hell, A Town Called Purgatory, The Borrowers, Ginger Snaps Back, Brotherhood of the Wolf. SHELLY: #NightsKnights #ArtisticLicense #DaysChildren #MooseMacabre #MorbidCuriosity #DusksWarriors  https://www.emzbox.com   Write in re: ideas, questions, opinions, horror cartoons, favorite movies, etc… Also, send show theme ideas! horroraddicts@gmail.com    NEWS:  "La Encantadora Furiosa" #TheSPKtr https://youtu.be/ifJciSeBgSA?si=KGBHfEbo2LRjk6UJ #BookReview #DarkDivinations #ThisDayinHorror #Veronica #WaxWork #1988 #JesseOrr #DarkPrincess2  #MarkOrr #CBS #RadioMysteryTheater #FreeFiction #Veronica #EdgarAllanPoe #TheBlackCat #Lionel #BigFootFiles #SasquatchSunset #2024Film #BandInterview #Darswoon #AuthorInterview #CatherineCavendish  #TerrorTrax #Darkswoon #PrideHorror #LGBTQHorror #TransVisibiltyResistance #BayCon #ManofOfFrights #Audible https://www.amazon.com/Audible-Manor-of-Frights/dp/B0GK3CTZR6 #HorrorCurated #Dolls https://www.etsy.com/listing/1564359283/horror-curated-halloween EVENTS:  #SpookyBookFaire October 10th, 2026 / San Mateo Public Library World Fantasy Con Oct 22-25 2026 https://worldfantasy.org/ #MovieMixer #FrankWoodward  October 4th #OutoftheCellar #FilmFest #VeronicaCraven https://OutOfTheCellarFilms.com ~~End of News~~  Nightmare Fuel: #DJPitsiladis #Nightmare #BlackCats   CURATED PIECE: #BlackCats #FrancescaMaria   https://wwww.francescamaria.com ------------------------------------- Write in re: ideas, questions, opinions, horror cartoons, favorite movies, etc… Also, send show theme ideas! horroraddicts@gmail.com h o s t e s s Emerian Rich b l o g  e d i t o r Veronica McCollum r e v i e w  c o o r d i n a t o r  Daphne Strasert s t a f f Jesse Orr, Lionel Green, Kieran Judge, Crystal Connor, Nightshade, R.L. Merrill, Mark Orr, DJ Pitsiladis, Russell Holbrook, Michael Charboneau, Brian McKinley. Want to be a part of the HA staff? Email horroraddicts@gmail.com b l o g  / c o n t a c t / s h o w . n o t e s http://www.horroraddicts.net the  belfry  app  https://www.thebelfry.rip I♥radio https://www.iheart.com/podcast/256-horroraddictsnet-30940547/ stitcher https://www.stitcher.com/podcast/horroraddictsnet spotify  https://open.spotify.com/show/0DtgSwv2Eh6aTepQi7ZWdv audible https://www.amazon.com/HorrorAddicts-net/dp/B08JJRM4NM overcast https://overcast.fm/itunes286123050/horroraddicts-net podcast republic https://www.podcastrepublic.net/podcast/286123050 himalaya  https://www.himalaya.com/en/show/501228 rss http://horroraddicts.libsyn.com/rss YouTube https://www.youtube.com/channel/UC4E9vnOzVkdRNLnL2QWVk3w Instagram https://www.instagram.com/horroraddicts.netpress/ Facebook https://www.facebook.com/horroraddicts.net Facebook Group https://www.facebook.com/groups/208379245861499

Nonperforming notes are defaulted mortgages bought at a discount, and Dave Van Horn has been buying them since 2007. He is the co-founder and chief executive officer of PPR Capital Management, and he joins Alternative Investing Advantage host Alex Perny to explain how this debt actually gets resolved. The property is rarely the goal.Key Points:- Defaulted mortgage debt trades at a steep discount. The buyer then works with the borrower toward a resolution rather than moving straight to foreclosure.- Junior liens and first mortgages need completely different due diligence. Second liens are underwritten statistically across a pool. First mortgages hinge on the equity and value of the individual property.- Borrower intent drives every outcome. The first question is whether the homeowner wants to stay or wants to go, and the exit follows from that answer.- There are roughly six exits on a distressed loan. Modification, discounted arrears, discounted payoff, deed in lieu, foreclosure, and selling the asset outright.- Note pricing moves with real estate values. When values fall, this paper gets cheaper, and margins widen, which is why a downturn tends to be a buying season.Chapters:00:00 Introduction: investing in nonperforming notes02:28 How Dave Van Horn moved from contracting to distressed debt09:27 Junior liens versus first mortgages15:21 Due diligence and risk mitigation on delinquent loans20:02 Borrower intent and how loan modifications work30:23 Why keeping homeowners in their homes pays more36:19 Institutional capital and mortgage securitization46:22 Outlook for distressed mortgage supply and pricing50:04 How to connect with Dave Van HornSubscribe to our YouTube channel and join our growing community for new videos every week.If you are interested in being a podcast guest speaker or have questions, contact us at Podcast@AdvantaIRA.com.Learn more about our guest, Dave Van Horn: https://pprcapitalmgmt.com/Learn more about Advanta IRA: https://www.AdvantaIRA.com/ https://podcasters.spotify.com/pod/show/advanta-ira https://www.linkedin.com/company/Advanta-IRA/ https://twitter.com/AdvantaIRA https://www.facebook.com/AdvantaIRA/ https://www.instagram.com/AdvantaIRA/

This episode was originally featured on the Australian Finance Podcast. In this Australian Property Podcast episode, Owen Rask speaks with Sarah Court, Chair of ASIC, about what the regulator is seeing across the financial system and why everyday Australians need to pay closer attention to how their money is being handled. Sarah explains ASIC's role in licensing firms, holding financial institutions to account and stepping in when consumers or investors are at risk. The core of the conversation focuses on mortgage offset accounts after ASIC uncovered failures at banks that meant some customers were not receiving the interest savings they expected. Sarah explains why these problems matter, why legacy systems and weak processes can create real financial harm, and why banks need to fix the basics instead of assuming customers will spot issues themselves. Owen and Sarah also talk about scams, risky investments and the importance of slowing down before handing over money. She shares why MoneySmart can be such a valuable resource for Australians who want plain-English guidance on investing, risk, scams and personal finance. If you want a practical reminder to check your offset setup, stay sceptical of fast-talking investment pitches and understand where ASIC fits into the system, this episode is worth your time before it costs you real money. Episode resources – ⁠Moneysmart⁠ – ⁠Investment scam alerts - ASIC⁠ – ⁠Professional registers search - ASIC – Ask a question (select the Property podcast) Show partner resources – Join Pearler using the code "RASKSWITCH" and get $32 of Pearler Credit – Whatever comes next for your business, power it with Stripe Rask resources – Pete's Buyers Agency – Alcove mortgage broking – Amy Lunardi Buyers Agency (Melbourne) – All services – Financial Planning – Invest with us – Access Show Notes – Ask a question – We love feedback! Follow us on social media – Instagram: @rask.invest – TikTok: @rask.invest DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you're confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

Borrowers are already using artificial intelligence to compare reverse mortgage options and double-check the recommendations they receive from loan officers. Should reverse mortgage professionals be worried? Christina Harmes, CRMP, says no—but their value is changing. After several prospects used AI to analyze the loan scenarios she presented, Christina discovered that the technology largely confirmed her recommendations and increased the borrowers' trust. The experience also highlighted something AI cannot easily replace: emotional intelligence. A reverse mortgage decision is rarely just about rates, proceeds or loan structure. Homeowners may also be worried about their independence, family, legacy, long-term security or whether using home equity means they have somehow failed. In this edition of Food for Thought, Christina explains how reverse mortgage professionals can combine technical expertise with empathy, active listening and trust. You'll learn: How consumers are using AI to research reverse mortgages • Why the professional-consumer knowledge gap is shrinking • How to recognize the real question behind a borrower's words • Why listening before offering a solution builds trust • How box breathing can improve stressful client conversations • Why emotional intelligence may offer “job insurance” in the age of AI AI can do the math. The competitive advantage is understanding the person behind the numbers. Subscribe to HECM World for reverse mortgage news, insights and professional strategies. https://hecmworld.com/2026/07/29/food-for-thought-as-ai-reshapes-reverse-mortgages-emotional-intelligence-becomes-the-advantage/

Artificial intelligence is changing the mortgage industry faster than anyone expected. Homebuyers are arriving with better questions, more information, and AI-generated advice before they ever speak with a loan officer.So the question isn't whether AI is changing the business.The real question is: Can AI replace the loan officer?In this episode of Laugh, Lend & Eat, Fobby Naghmi, Madison Keenan, and Justin Neal tackle that question head-on. They discuss where AI delivers real value, where it falls short, and why the future belongs to mortgage professionals who combine technology with experience, judgment, and genuine human connection.The conversation explores how AI is reshaping consumer expectations, why today's borrowers need trusted advisors more than ever, and what separates exceptional loan officers from those who simply process transactions.Whether you're a loan officer, Realtor, mortgage executive, or prospective homebuyer, this episode offers practical insights into navigating today's rapidly changing mortgage landscape.In this episode: Can AI truly replace a mortgage loan officer?How ChatGPT is changing the homebuying experienceWhy borrowers are arriving better informed than ever beforeThe difference between information and professional adviceWhere the human element still creates the greatest valueHow mortgage professionals can thrive in an AI-driven futureLeadership lessons for adapting to rapid technological changeKey TakeawaysAI is changing the way consumers research mortgages—but it isn't replacing trusted advisors.The most successful loan officers will embrace AI while strengthening the relationships technology can't replicate.Knowledge alone is no longer enough; interpretation, communication, and trust are the new competitive advantages.Borrowers don't just need answers—they need confidence in the decisions they're making.The future belongs to professionals who use AI to enhance the client experience, not replace it.About Laugh, Lend & EatLaugh, Lend & Eat is a weekly podcast hosted by Fobby Naghmi, featuring candid conversations with mortgage leaders, real estate professionals, and business innovators. Each episode blends industry insight, leadership lessons, and practical strategies to help listeners grow their business, better serve their clients, and navigate the ever-changing world of mortgage lending.Subscribe for new episodes featuring the conversations shaping the future of housing, lending, leadership, and business.

Closing a bank-debt play most people never think of, why in this business you manufacture the deal, a CRA story that'll make your stomach drop, and why the details are the deal.This Week• A client had its loans called by its bank. As CRO we stabilized the company, negotiated a forbearance to buy time, and ran a sale process for price discovery.• Then another of our clients stepped into the bank's shoes — acquiring the senior secured loan position at fair value. The bank exits cleanly; our client holds the debt and the security.• The timing couldn't be better: the company is exploding with new orders right in the middle of the transaction. Now the job is execution — building real value from here.Lesson Learned: You Manufacture the Deal• Interim Credit Corp. is only weeks old and just issued its first term sheet. The thesis: a $1–1.5B gap in Canadian high-yield private debt for small and mid-sized businesses.• The trick in this business — the deals aren't sitting there waiting. Borrowers rarely come asking for the product you sell.• You listen, find the problem, and manufacture the solution — in this case turning an equity ask into a non-dilutive structure. That's what we do at Sinclair Range.Struggles: The CRA Reality• A business did the right things — called, tried to arrange a plan — and still got its account garnished the day before payroll. In this case, the system actively tried to shut a small Canadian business down.• Separate your arrears from staying current, put everything in writing, and know they can freeze your account with no court order.What I'm Thinking About: The Details Are the Deal• The security, the entities, who actually owns what — that's where deals are won or lost.• I'm leaning on AI to stay on top of the details, but attention is still the job.#Turnaround #PrivateCredit #Restructuring #SmallBusiness #Leadership #SinclairRange #InterimCredit

Dr Mzwanele Ntshwanti – Senior researcher, Institute for Economic Justice SAfm Market Update - Podcasts and live stream

The following guest sits down with host Justin White:•   Kristin O'Neil – Sr. Loan Officer, Open Door Lending With Easy Access to Information, Borrowers Need Mortgage Brokers More Than EverWith endless information at their fingertips, borrowers can learn about mortgages before they even talk with a loan originator. What does that mean for mortgage brokers, especially as more people turn to AI for advice? Listen to Episode #128 of Good. Better. Broker. as we sit down with a mortgage broker who cuts through the digital noise to help her clients make the best decisions for their short- and long-term goals.In this episode of the Good. Better. Broker. podcast, you'll learn how to advise borrowers who use AI to learn about mortgages.In this episode, we discuss ...•   1:51 – prioritizing clients' long-term goals•   5:20 – helping clients navigate the emotions of the mortgage process•   6:59 – educating clients without overwhelming them•   9:11 – how to assess clients' goals•   11:03 – keeping rate conversations positive•   13:29 – helping borrowers who aren't ready to buy•   16:27 – why Kristin doesn't hard-sell clients•   17:59 – helping self-employed borrowersShow Contributor:Kristin O'NeilConnect on LinkedIn Connect on FacebookConnect on InstagramAbout the Host:Justin White is UWM's in-house brand journalist and the host of UWM Daily. He creates engaging content across multiple platforms to promote the benefits of the wholesale channel and partnering with UWM. A seven-time Emmy-award winner, Justin is a graduate of the S.I. Newhouse School of Public Communications at Syracuse University. Connect with Justin on LinkedIn, Instagram or Twitter Connect with UWM on Social Media:•   Facebook•   LinkedIn•   Instagram•   Twitter•   YouTubeHead to uwm.com to see the latest news and updates. 

Bad credit doesn't lock you out of borrowing. Learn how personal loans for bad credit work, what lenders really look at beyond your score, and why installment loans offer structure payday loans can't match. Money Stash City: Tomball Address: 24130 Tomball Parkway STE 201 Website: https://moneystash.com Phone: +1 800 867 1999

In this episode, Tony O'Brien shares his extensive experience in private markets, real estate lending, and business consulting. Discover his insights on sales processes, business growth, and the importance of relationships in business success. In this episode, Tony shares insights on leadership, business management, and the effective use of technology, emphasizing the importance of decision-making, team support, and strategic growth.   Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:  Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership:  Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true 'white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright:  Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a "mini-mastermind" with Mike and his private clients on an upcoming "Retreat", either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas "Big H Ranch"? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform!  Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------

Starting July 1, loan service providers started the process of reaching out to borrowers to start their 90-day deadline to switch from the SAVE repayment plan. But not everyone's deadline to switch will be the same. Enterprise Reporter Destinee Patterson speaks with Ashley Rowe about what borrowers need to know. 

AI hype is everywhere — and it's about more than AI taking over your job. It also affects the stock market, your investments, and even your student loan paydown strategy. Find out if we're living through another tech bubble moment, why student loan borrowers should pay attention, and how you might want to rethink where your extra cash goes in uncertain times.Key moments:(03:46) Deciding between paying extra on student loans vs. dollar-cost averaging into stocks(07:00) Using the 4% and 3% rules to calculate how much you need for financial independence(09:08) Regret-minimization (not just tax planning) should guide big financial decisions for student loan borrowers(12:40) Capturing tax loss harvesting benefits if the market crashes(13:41) Gauging which professions are most protected from AILike the show? There are several ways you can help!Follow on Apple Podcasts, Spotify or Amazon MusicLeave an honest review on Apple PodcastsSubscribe to the newsletterJoin SLP Insiders for student loan loopholes, SLP app and member communityFeeling helpless when it comes to your student loans?Try our free student loan calculatorCheck out our refinancing bonuses we negotiatedBook your custom student loan planGet profession-specific financial planningDo you have a question about student loans? Leave us a voicemail here or email us at help@studentloanplanner.com and we might feature it in an upcoming show!Mentioned in this episode:The SLP YouTube ChannelIf you're more of a visual learner or you like seeing charts, breakdowns, and exploring other topics, check out https://youtube.com/studentloanplanner

Most seller finance borrowers are self-employed, and that's where a lot of originators get tripped up. In this episode I walk through how we actually verify self-employed income at Call The Underwriter, why it matters for Dodd-Frank compliance and your own protection, and the system we use to get through it fast. I cover why W-2 and fixed-income borrowers are easy, why tax returns usually understate self-employed income, and why 12 complete business bank statements are the workhorse document. I also get into the expense ratio approach for turning gross deposits into usable income, the account and commingling problems we run into constantly, and what borrower behavior tells you before you ever see the file. Plus the story of a loan with a mystery dog kennel that supposedly made $30k in a single month. If you originate or buy seller finance notes, this one will clear up a lot of confusion around documenting income that doesn't come with a pay stub. Questions? Drop them in the comments or email dan at calltheunderwriter.com. For more info on underwriting seller finance loans or get started on a deal go to www.calltheunderwriter.com

Today's episode includes a discussion on why mortgage rates have gone up recently. Plus, Robbie interviews Zillow Home Loans' Eric Wilson on how the company is guiding buyers with care and confidence, helping them move from pre-approval through closing with support from centralized processing, underwriting, and closing teams. And we close with a look ahead at this week's economic calendar.Thanks to Zillow Home Loans, Zillow's in-house mortgage lender, for sponsoring this week's podcasts. By integrating Zillow's real estate platform with financing, Zillow Home Loans helps buyers move from dreaming about a home to holding the keys. With tools built for modern lending, Zillow Home Loan's loan officers can focus on guiding buyers with care and confidence. Zillow Home Loans is an equal housing lender. NMLS #10287.The Chrisman Commentary is your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.

Responsibility of each position.

The mattress industry is in chaos, and major brands like Sleep Number are facing bankruptcy. Clark breaks down how the mattress market became incredibly oversaturated and why traditional mattress stores have seen their business models become obsolete. While online shopping and warehouse clubs have revolutionized how we buy beds, the wave of recent bankruptcies poses a risk to consumers. Clark reveals his ultimate rule for buying a new mattress safely. Also, Clark addresses the looming crisis in higher education as federal student loan interest rates spike to 6.5%. With college costs and inflation stretching family budgets to the limit, Clark explains why you should never sacrifice your own retirement savings or saddle your children with a lifetime of crushing debt just to attend a "dream" school. Clark delivers a heavy dose of tough love and practical strategies for parents. Plus, Christa shares your #AskClark questions and Clark gives his take. All this and more on the July 8, 2026, episode of The Clark Howard Show. Submit your questions: Ask Clark. Buying A Mattress: Segment 1 Ask Clark: Segment 2 Student Loans: Segment 3 Ask Clark: Segment 4 Mentioned on the show: The Best Place To Buy a Mattress - Clark Howard Best Online Banks: Free Checking and High-Interest Savings Accounts Fidelity vs. Vanguard vs. Schwab: Which Brokerage Is Best? How Long Do You Need To Keep Tax Documents? - Clark Howard Education Dept Updates Key Student Loan Guidance In Advance Of July Changes - Forbes NYTimes: Education Dept. Lowers Student Loan Rates for Borrowers in Auto Pay The Trump administration says it is cutting student loan interest. Here are some facts and context The Right Way & Wrong Way to Use a 529 Plan That Doesn't Cover the Full Cost of College Best 529 College Savings Plans By State Trump Accounts: What You Need To Know - Clark Howard  Clark.com resources: Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices. Visit megaphone.fm/adchoices

Debt restructuring accounting remains top of mind for borrowers as companies refinance debt that may have been issued in a very different interest rate environment. This episode discusses the accounting models for debt restructurings, including lender-by-lender assessments, modification versus extinguishment outcomes, troubled debt restructurings, fee allocations, and syndicated debt transactions. We break down the key considerations and share insights on navigating common challenges in applying ASC 470 guidance.For further guidance on the accounting for this topic, see chapter 3 of PwC's Financing transactions guide. For cash flow presentation, see section 6.8 and for debt presentation and disclosure, see chapter 12 of PwC's Financial statement presentation guide. This episode is part of our debt-related miniseries. Stay tuned for our final episode next week, and in case you missed them, listen to our previous episodes:Beyond debt: Accounting for other liability-classified arrangementsCurrent or noncurrent? Getting debt classification rightFollow this podcast on your favorite podcast app and subscribe to our weekly newsletter to stay in the loop.  About our guests Suzanne Stephani is a director in PwC's National Office specializing in the statement of cash flows as well as the application and interpretation of the accounting guidance related to financing, leasing, and foreign currency transactions. Christopher Gerdau is a partner in PwC's National Office specializing in accounting for financial instruments and banking-related topics. Chris also conducts technical reviews of SEC filings and provides technical support to PwC's practice offices. Chris's client service expertise includes the banking, capital markets, and insurance industries. About our guest host Diana Stoltzfus is a partner in PwC's National Office who helps to shape PwC's perspectives on regulatory matters, responses to rulemakings and policy development, and implementation related to significant new rules and regulations. Prior to rejoining PwC, Diana was the Deputy Chief Accountant in the Office of the Chief Accountant (OCA) at the SEC where she led the activities of the OCA's Professional Practices Group. Transcripts available upon request for individuals who may need a disability-related accommodation. Please send requests to us_podcast@pwc.comDid you enjoy this episode? Text us your thoughts and be sure to include the episode name.

In this episode, Jonathan Ferrante shares his insights on real estate investing, creative financing, and navigating market challenges. Discover how his hands-on approach and innovative strategies can help you succeed in real estate.   Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:  Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership:  Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true 'white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright:  Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a "mini-mastermind" with Mike and his private clients on an upcoming "Retreat", either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas "Big H Ranch"? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform!  Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------

Mostly Film – Take 236: What's NewIt's a big one this week. Jonathan and JP are back with a mountain of trailers, an absolutely unhinged watch list, and a news cycle that genuinely did not slow down.First, List It or Nix It — fifteen trailers go through the gauntlet this week. Werwulf, Angry Birds 3, Not Alone, The Dink, The Debut, Digger, Her Private Hell, Late Fame, The Weight, Jimmy, Union County, The Devil's Mouth, Mum I'm Alien Pregnant, Your Mother Your Mother Your Mother, and Charlie Harper. Yes, all of them. Yes, Mum, I'm Alien Pregnant is real.Then it's What We've Been Watching, and Jonathan went absolutely feral this week — Toy Story 5, Backrooms, Obsession, Gail Daughtry and the Celebrity Sex Pass, The Sheep Detectives, Carolina Caroline, David, and somehow also Despicable Me, Despicable Me 2, Minions, The Borrowers, Ponyo, My Neighbor Totoro, and Honey We Shrunk Ourselves. JP brings Obsession, Backrooms, and Tuner to the table. Between the two of them, a lot of ground gets covered.In the news: The Odyssey had its world premiere in London tonight — Nolan, Matt Damon, Tom Holland, Zendaya, Hathaway, and Pattinson all on the red carpet — and the conversation around the film is complicated. 450,000 trailer dislikes, replies turned off on premiere posts, and it opens in 11 days. Does tonight change anything? Minions & Monsters had a rough July 4th opening, becoming a franchise low domestically while Toy Story 5 just kept eating. The Michael Jackson biopic quietly became the highest-grossing biopic in history. The Avengers: Doomsday trailer is reportedly dropping at SDCC on July 25. And Emmy nominations land tomorrow morning — Harrison Ford might finally be getting his flowers.

Wandering Works for Us PodcastDate: 4 July 2026Title: The Cotswolds Road Trip: Cathedrals, Gin, and SheepSummary of EpisodeWe pick up where the Oxford episode left off and head into the Cotswolds, basing ourselves in the tiny village of Longborough at Lime Cottage. Along the way, we fall hard for Longborough Gin, take a day trip into Gloucester to see the cathedral (Harry Potter fans, this one's for you), and have a few white-knuckle moments learning to drive England's narrow country roads.We also spend our days wandering Bourton-on-the-Water, Stow-on-the-Wold, and a miniature model village straight out of The Borrowers. We wrap up with thoughts on what they'd do differently next time and a preview of what's coming: Bakewell, the Peak District, and Haddon Hall.Key TopicsWhy they chose Longborough as a home base, and their stay at Lime CottageLongborough Gin — discovered at the village shop, and now a mission to find in PortugalGloucester Cathedral: the whispering gallery, the cloisters used in Harry Potter, and a nearly 1,000-year historyA stop at a Gloucester shop hand-weaving wicker casketsLearning to drive on narrow English country roads (and being very glad for full coverage insurance)Bourton-on-the-Water: the "Venice of the Cotswolds," why weekends and tour buses can ruin the charm, and tips for timing your visitThe Bourton-on-the-Water Model Village — a faithful miniature recreation built from real Cotswold stoneStow-on-the-Wold: their favorite stop, including shopping at Woolovers, dinner at The Porch, and a Mother's Day Sunday roast at The StagThe "Tolkien Door" church in Stow-on-the-Wold and the Cotswolds' long history of inspiring writers like Tolkien, C.S. Lewis, Lewis Carroll, and Jane AustenVillages they missed and want to go back for: the Slaughters, Bibury, Castle Combe, and the area around BathWhat's next: Bakewell, the Peak District, and Haddon HallImportant Links To follow all of our antics and adventures, please visit our social media pages and our website at wwforus.com! You can send us a message at any of these places, and feel free to email us at wandering@wwforus.comLike what we are doing? Buy us a gin and tonic and help us keep going!InstagramFacebookTiktokYouTubeLooking for a tour guide in Portugal? I have a whole list!Blog post for this episode: A Cotswolds Villages Guide: Gloucester Cathedral, Stow, Burton & MoreI was not able to find a link for the Longborough Gin, but The Longborough Village Shop and Cafe carry it. Contact them!Click here to book the Lime Cottage in Longborough.The Stag at StowThe Porch HouseGloucester CathedralRESOURCES & LINKSLooking to plan your next trip to Portugal? We can help! Check out our guides and Itineraries at wwforus.comFree Lisbon ItineraryPacking ListEssentials for every tripRenting a car in PortugalLooking for a tour guide in Portugal? I have a whole list!

HorrorAddicts.net Season 21 CURATED, Episode# 261 Horror Hostess: Emerian Rich Intro Music by: Valentine Wolfe ************************************ 261 | #BlackCats | Francesca Maria | Darkswoon http://traffic.libsyn.com/horroraddicts/HorrorAddicts261.mp3 Find all articles and interviews at: http://www.horroraddicts.net   124 days till Halloween      Theme: #BlackCats Francesca Maria https://wwww.francescamaria.com   Music: "Going Dark" Darkswoon https://youtu.be/D86AEKRsbjE?si=TK7raEq4L3H4o6Ym   Catchup:  #HardTimes #boundaries #SayNo    Historian of Horror: #MarkOrr #BlackCats #TheBlackCat #1934 #BorisKarloff #BellaLugosi #BasilRathbone #GailSondergaard #TheBlackCat #1941 #BroderickCrawford    AUTHORTUNIES: Angela Yuriko Smith https://authortunities.substack.com/   HA SOAPBOX:  https://forms.gle/qbanMDWUxYAuB1EK8   Quiz-akit: If man A buries man B alive, and then man B rises from the grave and scares the Night Watchman to have a heart attack and die, who is responsible for the Night Watchman's death? Answer? Jeff write in. Write in answers! horroraddicts@gmail.com    Dead Mail: #HorrorFan JEFF: #thrifting #tarot #AmericanScienceSurplus  THERESA: answer for WINSTON 258 #Zootopia ROBERT: What was the movie Mark was talking about? Alien Outlaw.  Western Horror Movie List: Bone Tomahawk, From Dusk Til Dawn, The Wind, West of Hell, A Town Called Purgatory, The Borrowers, Ginger Snaps Back, Brotherhood of the Wolf. SHELLY: #NightsKnights #ArtisticLicense #DaysChildren #MooseMacabre #MorbidCuriosity #DusksWarriors  https://www.emzbox.com   Write in re: ideas, questions, opinions, horror cartoons, favorite movies, etc… Also, send show theme ideas! horroraddicts@gmail.com    NEWS:  "La Encantadora Furiosa" #TheSPKtr https://youtu.be/ifJciSeBgSA?si=KGBHfEbo2LRjk6UJ #BookReview #DarkDivinations #ThisDayinHorror #Veronica #WaxWork #1988 #JesseOrr #DarkPrincess2  #MarkOrr #CBS #RadioMysteryTheater #FreeFiction #Veronica #EdgarAllanPoe #TheBlackCat #Lionel #BigFootFiles #SasquatchSunset #2024Film #BandInterview #Darswoon #AuthorInterview #CatherineCavendish  #TerrorTrax #Darkswoon #PrideHorror #LGBTQHorror #TransVisibiltyResistance #BayCon #ManofOfFrights #Audible https://www.amazon.com/Audible-Manor-of-Frights/dp/B0GK3CTZR6 #HorrorCurated #Dolls https://www.etsy.com/listing/1564359283/horror-curated-halloween EVENTS:  #SpookyBookFaire October 10th, 2026 / San Mateo Public Library World Fantasy Con Oct 22-25 2026 https://worldfantasy.org/ #MovieMixer #FrankWoodward  October 4th #OutoftheCellar #FilmFest #VeronicaCraven https://OutOfTheCellarFilms.com ~~End of News~~  Nightmare Fuel: #DJPitsiladis #Nightmare #BlackCats   CURATED PIECE: #BlackCats #FrancescaMaria   https://wwww.francescamaria.com ------------------------------------- Write in re: ideas, questions, opinions, horror cartoons, favorite movies, etc… Also, send show theme ideas! horroraddicts@gmail.com h o s t e s s Emerian Rich b l o g  e d i t o r Veronica McCollum r e v i e w  c o o r d i n a t o r  Daphne Strasert s t a f f Jesse Orr, Lionel Green, Kieran Judge, Crystal Connor, Nightshade, R.L. Merrill, Mark Orr, DJ Pitsiladis, Russell Holbrook, Michael Charboneau, Brian McKinley. Want to be a part of the HA staff? Email horroraddicts@gmail.com b l o g  / c o n t a c t / s h o w . n o t e s http://www.horroraddicts.net the  belfry  app  https://www.thebelfry.rip I♥radio https://www.iheart.com/podcast/256-horroraddictsnet-30940547/ stitcher https://www.stitcher.com/podcast/horroraddictsnet spotify  https://open.spotify.com/show/0DtgSwv2Eh6aTepQi7ZWdv audible https://www.amazon.com/HorrorAddicts-net/dp/B08JJRM4NM overcast https://overcast.fm/itunes286123050/horroraddicts-net podcast republic https://www.podcastrepublic.net/podcast/286123050 himalaya  https://www.himalaya.com/en/show/501228 rss http://horroraddicts.libsyn.com/rss YouTube https://www.youtube.com/channel/UC4E9vnOzVkdRNLnL2QWVk3w Instagram https://www.instagram.com/horroraddicts.netpress/ Facebook https://www.facebook.com/horroraddicts.net Facebook Group https://www.facebook.com/groups/208379245861499  

1030. If you have federal student loans or plan to use them to finance higher education, you must understand significant upcoming changes to the program. Find out the benefits and downsides of new legislation and how it could affect your finances if you're a current or future student loan borrower. Key takeawaysDue to the One Big Beautiful Bill, massive changes to federal student loans will roll out on July 1, 2026, including annual and lifetime borrowing limitsThe SAVE repayment plan is shutting down, and those currently enrolled must choose a new repayment plan within 90 days of notification from their lender.Borrowers who miss the SAVE deadline will be automatically enrolled in standard repayment, which could spike their monthly payments.Federal student loan repayment plans will be cancelled or phased out and replaced by the new Repayment Assistance Plan (RAP), which launches on July 1, 2026.RAP sets payments at 1% to 10% of your adjusted gross income, waives any unpaid monthly interest, matches up to $50 per month toward your principal balance, and extends loan forgiveness to 30 years.If you want to shorten your loan forgiveness, enrolling in a legacy repayment plan may be a better option to discuss with your loan servicer. Discover more from Money Girl!FacebookNewsletterTranscripts available at QuickandDirtyTips.com.Email: Laura@LauraDAdams.com or leave a voicemail: (302) 364-0308. Hosted on Acast. See acast.com/privacy for more information.

Why do borrowers stop making their mortgage payments? Is it simply because they don't want to pay—or is there much more to the story?In this episode of the Paperstac Podcast, Brett Burky and Rick Allen break down the real reasons borrowers default on their mortgage loans and what every note investor should understand before buying performing or non-performing notes.Drawing from years of experience reviewing thousands of mortgage loans, they discuss the life events that most often lead to delinquency, how investors can recognize early warning signs, and why understanding borrower behavior can dramatically improve investment decisions.During this episode you'll learn:The biggest misconceptions about borrower defaultsThe five most common reasons homeowners stop making paymentsThe difference between temporary hardship and permanent financial distressWarning signs that can indicate a loan is headed toward defaultHow quality loan servicing can improve borrower outcomesPractical lessons every mortgage note investor should apply when evaluating assetsWhether you're new to mortgage note investing or actively building a portfolio, this discussion provides valuable insight into the human side of note investing and why every loan is much more than just numbers on a spreadsheet.Hosted by Brett Burky and Rick AllenVisit Paperstac.com to browse mortgage notes for sale, connect with buyers and sellers, and access educational resources to help you become a better note investor.#MortgageNotes #NoteInvesting #NonPerformingNotes #PerformingNotes #RealEstateInvesting #DistressedDebt #PassiveIncome #CashFlowInvesting #MortgageInvesting #PaperstacPodcast #PaperstacFollow Us On These Platforms:

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Sahra S. Halpern.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Sahra S. Halpern.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Sahra S. Halpern.

The following guest sits down with host Justin White:•   Anthony Lee – CEO and Founder, Veterans Alliance Home LoansShowing up For the Military Veteran Community Requires a Keen Understanding of the VA LoanFrom the military to marathons to mortgages, Anthony Lee knows what it takes to get across the finish line. He's now using that same approach to lift the veteran community. How can mortgage loan originators help more veteran borrowers while shifting the narrative on VA loans? Listen to Episode #126 of the Good. Better. Broker. podcast to find out how Anthony is creating more opportunities for LOs, military veterans, and their families.In this episode of the Good. Better. Broker. podcast, you'll learn how to help veterans navigate the VA loan process.In this episode, we discuss ...•   1:55 – how being an endurance athlete helps with doing mortgages•   3:49 – Anthony running 6 marathons in one year•   5:40 – Anthony's history in the mortgage industry•   6:46 – how Anthony got a $4.1m listing on his first deal in real estate•   9:16 – how military experience translates to mortgages•   10:46 – why veteran LOs are uniquely positioned to serve veteran borrowers•   12:09 – what non-veteran LOs don't understand about serving military veterans•   13:59 – The launch of Veterans Alliance Home Loans •   15:41 – what Anthony asks listing agents about VA loans•   17:38 – why Anthony can overcome any objection•    19:47 – similarities between coaching athletes and LOsShow Contributor:Anthony LeeConnect on LinkedIn Connect on Facebook Connect on InstagramAbout the Host:Justin White is UWM's in-house brand journalist and the host of UWM Daily. He creates engaging content across multiple platforms to promote the benefits of the wholesale channel and partnering with UWM. A seven-time Emmy-award winner, Justin is a graduate of the S.I. Newhouse School of Public Communications at Syracuse University. Connect with Justin on LinkedIn, Instagram, or Twitter Connect with UWM on Social Media:•   Facebook•   LinkedIn•   Instagram•   Twitter•   YouTubeHead to uwm.com to see the latest news and updates.

Many buyers are waiting for home prices to fall before making a move. But what if the drop they're expecting never comes? In this episode, Judy Casad shares what more than 100 housing experts predict for home prices over the next five years and why local market knowledge matters more than national headlines. Content inspired by Keeping Current Matters, Inc and graph source from Fannie Mae, HPES Prepare to Sell and Know what to do when Buying your next Home ~ Complimentary access to a valuable tool:   Your personalized monthly report on your home's value  - - - contains valuable information that will help you make smarter financial decisions.  Homebot Features • Current and historical estimated market value of your home • Appreciation since you purchased your home • Net worth/equity in your home • A breakdown of principal and interest paid • Tips for how to save on interest payments • Your purchasing power to buy another home, investment property or trade-up to a new home • Estimated rental figures for your home (or a room in your home) on services like Airbnb or VRBO • Your current cash-out potential for doing things like consolidating high-interest debt or increasing your home value through home improvement Click here to learn more:   https://hmbt.co/x7dcQA   Windermere Real Estate provides a financial product 'Windermere Ready' tailored specifically for homeowners preparing to sell their home. Cover the costs of repairs and upgraded features and defer payment until closing sale.* This means you can invest in enhancing your home's appeal** with nothing due until your home sells.* From minor repairs to staging, you can make your home stand out on the market without worrying about upfront out of pocket costs.* Interested in learning more?   Call Judy Casad today!  541-968-2400 TAP Windermere Ready to sign-up today!  No cost to you until you use the funds! *Interest and fees apply. Loan funds, interest, and fees are due upon loan acceleration, twelve months after origination, termination of your listing agreement, or the date on which Notable otherwise suspends your loan for any reasons stated in your loan agreement, whichever occurs sooner. Subject to the terms and conditions of your loan agreement with Notable Finance, LLC. **Results may vary. Windermere Real Estate and Notable Finance, LLC do not guarantee or warranty any results. Subject to the terms and conditions of your loan agreement with Notable Finance, LLC and notablefi.com/terms. Windermere is not providing loans as part of Windermere Ready. Windermere loans are provided by Notable Finance, LLC, NMLS# 1824748. For all Borrowers in California: Loans are made or arranged pursuant to a California Finance Lenders Law license. For all Borrowers in Virginia: Notable Finance, LLC is licensed by the Virginia State Corporation Commission, CFI-243. Loan eligibility is not guaranteed and all loans are subject to credit approval and underwriting by Notable. Rules and exclusions apply. Tap the Category that resonates with your life today: Home Improvement  Maximize investment, Smart maintenance to-do's Buying To Invest  Get Pre-Approved! What inspectors look for, Property Search Selling Property  Understand value, How to prepare, Financial assistance to maximize value, Escrow process, Value Report Homeowners Best Moves  Bonus episodes about Market Updates, Financial Planning, Senior Adults learn about Downsizing & Financial Assistance and more... Navigating Title & Escrow What to expect from an escrow officer and the tasks provided for a successful closing. Mastering 1031 Exchange Series Prepare Your Home For The Market Inspections For Sellers   Support us by sharing this Podcast with your network of friends & family ~ We appreciate and value your comments to bring you information that resonates with you... and help us keep this Podcast alive! About Your Host Judy Casad is a Broker & Luxury Advisor with Windermere Real Estate Lane County, serving clients across Oregon, including Union County and the McKenzie River Corridor. Connect with Judy Judy Casad Broker & Luxury Advisor Windermere Real Estate Lane County Licensed in the State of Oregon – Serving McKenzie River Corridor, Union County and beyond 541-968-2400 Judy@windermere.com   www.judycasad.com Facebook  Listen on your computer Podcast.JudyCasad.com  

On July 1, there will be changes to the student loan repayment system that change the situation for new and old borrowers alike. On Today's Show:Cory Turner, NPR education correspondent and senior editor, shares what's changing, and how those impacted can navigate the changes. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Welcome to another episode of The AZREIA Show! In this episode, we sit down with Jules Wrubel to dive into the world of hard money lending and real estate financing. Jules shares his journey from New York and New Jersey to Arizona, where he built a career in the mortgage industry before transitioning into hard money lending and private financing. Jules walks us through the realities of funding real estate deals, from making his first hard money loan to managing risk on unique investment opportunities. He explains the importance of thoroughly vetting deals and borrowers, keeping airtight paperwork, and building a strong network of trusted investors and professionals. Along the way, he shares practical lessons learned from real transactions, including both successes and challenges that shaped his approach to lending. Beyond the mechanics of lending, Jules highlights the bigger picture: how private financing can help investors transform properties and positively impact local communities. He also talks about his plans to raise capital, expand lending opportunities, and teach others how to get started in hard money lending. Whether you're a seasoned investor or just exploring alternative financing, this episode is packed with actionable insights and inspiring stories you won't want to miss. 02:24 Understanding Hard Money Lending 05:01 Evaluating Borrowers and Deals 11:09 Advice for New Lenders and Borrowers 16:34 Sharing the Good and Bad News 16:56 Organizing Paperwork for Mortgage Approval 17:23 The Importance of Being Prepared 18:28 Hard Money Lending Insights 21:04 Building Your Network for Funding 22:31 Door Knocking and Real Estate Stories 28:35 Raising Capital and Economic Impact 30:06 Conclusion and Contact Information -- Contact Alden of Silver Crest Opportunity Fund at http://silvercrestopportunityfund.com "AZREIA does not endorse specific investments. Please do your own due diligence." Want to grow your real estate business?

307 - The Invisible Prime Borrower: How Efri Argaman Is Unlocking Homeownership for 42 Million Americans What if the biggest barrier to homeownership in America wasn't money, it was the wrong measuring stick? Right now, an estimated 37 to 42 million people in this country have the income to buy a home, pay their rent on time every single month, and are still being turned away by the traditional lending system simply because their income doesn't come with a W-2. That's not a credit problem. That's a broken system problem. And Efri Argaman, founder and CEO of OwnEZ, built a fintech company to fix it. In this episode, Efri breaks down how OwnEZ developed a non-discriminatory alternative data underwriting engine that looks at what actually matters: rental payment history, cash flow patterns, and financial responsibility, not a FICO score that can be gamed. He introduces the concept of the "invisible prime borrower": the gig worker, the ITIN holder, the self-employed real estate investor with near-zero taxable income who is financially solid but locked out of conventional lending. Efri and his team are converting what he calls chronic renters into homeowners, and along the way, creating a passive investment vehicle for accredited investors that has delivered 8.5 to 9% annual yield, without leverage, and without a single investor loss since inception. If you are a real estate investor looking for a stable, non-correlated addition to your portfolio, a self-employed entrepreneur who has been told no by a traditional lender, or someone who believes the financial system needs to work for more people, this episode was made for you. With Fund Five now open at a $50,000 minimum, the door to investing with OwnEZ is more accessible than ever. Do not miss this one. 5 Powerful Takeaways Your FICO score is a manipulatable number, not a true measure of your ability to pay: OwnEZ's underwriting looks at the real reasons behind a score and uses rental history, cash flow, and financial behavior to identify borrowers who will actually perform, not just those who know how to game revolving credit. The gig economy created a homeownership crisis that almost no one is solving at scale: Gig workers, 1099 earners, and ITIN holders often earn excellent incomes but are systematically excluded from Fannie Mae and Freddie Mac-backed loans. OwnEZ was built specifically to close that gap. Owner-occupied lending is the lowest-risk real estate investment most investors are completely ignoring: Borrowers who live in their own homes have a fundamentally different relationship with their mortgage than investors do. They default only as a last resort, making OwnEZ's loan portfolio dramatically more stable than most real estate investment vehicles. A non-leveraged fund structure can survive the market crashes that wipe out leveraged investors: By choosing not to borrow against the fund, OwnEZ has the flexibility to hold, rent, or wait during downturns — the exact strategy that protects capital when leveraged competitors are forced to sell at the worst possible time. Don't confuse being busy with being productive: The most impactful piece of advice Efri received early in his career shapes everything about how he runs his company, protects his team's personal time, and builds a business designed for long-term balance rather than burnout. 00:00 REIGN Podcast Intro 00:52 Wholesaler Red Flags 03:26 Meet Efri Argaman 05:08 What Is Fintech 07:14 Real Estate Lessons Learned 10:08 OwnEZ Borrower Model 12:15 Alternative Data Underwriting 15:00 Invisible Prime Borrowers 17:21 Property Types Financed 18:36 Investor Returns And Risk 24:45 Fund Structure And Accreditation 25:51 Passive Yield Overview 26:55 Fund Five Lower Minimums 27:51 Wealth Preservation Pitch 29:27 Why Own Easy Differs 30:34 Crisis Proofing Without Leverage 33:30 Karma And Tenant Story 36:34 Scaling And Evergreen Fund 38:44 Badass Book And Route 66 40:51 Advice Drive And Goals 44:50 Systems Success And Wrap Up About the Guest Efri Argaman is the founder and CEO of OwnEZ, Inc., a data-driven fintech company headquartered in Austin, Texas, focused on expanding access to homeownership through alternative data lending solutions. A residential real estate investor since 2009 with experience across rentals, flips, financing, and new construction, Efri built his career at the intersection of real estate investing and financial innovation. Under his leadership, OwnEZ developed a proprietary underwriting engine that evaluates borrowers on cash flow, rental history, and financial behavior rather than traditional credit scores, and has originated hundreds of mortgages for families locked out of the conventional lending system. He is a recognized voice in fintech and real estate, and a passionate advocate for the tens of millions of Americans the current financial system leaves behind. Resources & Websites Mentioned www.ownez.com (O-W-N-E-Z.com) — OwnEZ investor and borrower information Efri Argaman on LinkedIn www.therealjenjosey.com www.reignmastermind.com   To learn more about Jen Josey, visit https://www.therealjenjosey.com/ To join REIGN, visit https://www.reignmastermind.com/ Stuff Jen Josey Loves: https://www.reignmastermind.com/resources Buy Jen Josey's Book: From Beginner to Badass: https://a.co/d/bstKlby New episodes drop every Monday Morning at 6am EST. See you next time!

Many retirees spend decades building equity in their homes. But could that equity become a wise tool for stewardship in the next season of life? For many people, the words reverse mortgage raise immediate concerns. Some of those concerns come from outdated information, past abuses, or even a sense of guilt about taking on debt later in life. But is it possible that some retirees have dismissed this option too quickly? Harlan Accola, who leads the reverse mortgage team at Movement Mortgage, joined the show today to help separate myth from reality and explain how today's reverse mortgages may fit into a broader financial plan for some homeowners. Why Reverse Mortgages Have a Stigma Reverse mortgages have carried a strong stigma for years, and according to Accola, some of that reputation was deserved. In the past, there were bad products, bad actors, weak regulation, and not enough consumer protections. Those stories have been passed down through families, churches, and communities, shaping the way many people think about reverse mortgages today. But Accola says today's reverse mortgages are very different, especially when handled by qualified professionals and governed by stronger safeguards. Much of the fear surrounding reverse mortgages is based on outdated information. Many people assume that taking out a reverse mortgage means losing ownership of their home. But that is not how the product works. A reverse mortgage is simply a lien on the property. The homeowner does not lose ownership of the home, and monthly payments are not required. Instead, the loan is repaid later, usually when the borrower sells the home, moves out, or passes away. That distinction matters because many retirees may be making decisions based on fear rather than accurate information. Is All Debt Bad Debt? Another common concern is that reverse mortgages are simply “bad debt.” But Accola points out that not all debt functions the same way. Most people would not have been able to build wealth through homeownership if they had waited until they could pay for their first house in cash. A traditional mortgage often allows families to purchase a home, build equity, and create long-term stability. Of course, some debt can be dangerous. Credit card debt, high-interest loans, and unnecessary consumer debt can quickly become burdensome. Proverbs 22:7 reminds us, “The rich rules over the poor, and the borrower is the slave of the lender.” That warning should lead us to approach debt with humility and caution. But a reverse mortgage is different from many other forms of debt because it does not require mandatory monthly payments. That feature may provide flexibility for retirees who are trying to manage cash flow, reduce pressure on investment accounts, or remain in their homes without selling. This does not mean a reverse mortgage is right for everyone. It simply means the question should not be answered by fear or assumptions alone. The better question is whether this tool serves wise stewardship in a specific family's situation. Why Some Christians Feel Guilty For many believers, the hesitation is not only financial—it is spiritual. Some Christians have heard the message that being debt-free automatically makes someone more faithful or responsible. While there is great wisdom in eliminating unnecessary debt, that does not mean every form of debt is morally the same. Accola notes that many retirees still carry mortgage debt into retirement. In fact, many homeowners reach retirement age without having paid off their homes entirely. Others may own their homes but need additional income flexibility. In those situations, shame can become a barrier to wisdom. A retiree may think, “I should have done better,” or “I must not be faithful if I still have a mortgage.” But Scripture does not call us to make financial decisions out of guilt. It calls us to wisdom, prayer, counsel, and trust in God. Stewardship is not about maintaining the appearance of financial success. It is about faithfully managing what God has entrusted to us in this season. For some families, using home equity may be a prudent option. For others, it may not be. But either way, the decision should be made with clarity, not shame. A Tool, Not a One-Size-Fits-All Solution A reverse mortgage should never be treated as a magic solution. It is a financial tool, and like any tool, it can be used wisely or unwisely. For some retirees, it may create breathing room in the budget. It may help them stay in their home. It may reduce the need to sell investments during a market downturn. It may also allow them to preserve other assets for longer. But there are also important considerations. Borrowers need to understand the costs, long-term implications, effect on heirs, and responsibilities that remain with the homeowner, such as taxes, insurance, and maintenance. That is why wise counsel is essential. Proverbs 15:22 says, “Without counsel plans fail, but with many advisers they succeed.” A reverse mortgage decision should involve qualified professionals, trusted family members, and careful prayer. It should also be considered as part of a broader retirement plan, not in isolation. Don't Decide Based on Fear or Rumors Accola's encouragement to listeners was simple: do not make financial decisions based on fear, rumors, or guilt. Instead, get accurate information. Talk with people you trust. Seek guidance from professionals who understand how reverse mortgages work today. And when appropriate, involve your family so they understand your thinking and your goals. A reverse mortgage is not right for everyone. But for some retirees, it may be a helpful part of a broader stewardship strategy. The key is understanding your options. Faithful stewardship does not mean refusing to consider every financial tool. It means asking wise questions, seeking trustworthy counsel, and making decisions that help you manage God's resources with humility and care. For homeowners in retirement, that may include taking a fresh look at home equity—not as a source of security, but as one possible tool to support faithful living in the next season. Learn More If you'd like to learn more about whether a reverse mortgage could be a wise option for your situation, visit FaithFi.com/Movement. Movement Mortgage serves families in all 50 states and can help you understand how today's reverse mortgages work, what safeguards are in place, and whether this tool may fit into your broader financial plan. That's FaithFi.com/Movement. On Today's Program, Rob Answers Listener Questions: I'm 31 and own five properties. I've renovated some myself and built significant equity, but most of my cash is tied up in the homes. Should I sell some properties to free up capital, or hold them, do cash-out refinances, rent them out, and benefit from appreciation and loan paydown? How should I decide between flipping and becoming a landlord? I'm 64 and still working. Because of our income, my wife and I are limited in how much we can contribute to Roth IRAs. I've heard about the backdoor Roth strategy. How does that work, and can the nondeductible IRA contribution go into an existing traditional IRA, or should it be a separate account? I'm trying to pay down my mortgage and a small loan faster. Is it better to make small extra principal payments each month or one larger principal payment once a year? Does it make much difference? I'm 72 and had about $31,000 in credit card debt. After years of disability and financial strain, I called Christian Credit Counselors and started a debt management plan. Now I'm on track to be debt-free in five years, have more usable income each month, and feel encouraged enough to give again. Is it normal to feel this much relief after starting a plan? I'm 61, married, and planning to retire at 67. I have an old employee trust fund with about $8,378 earning 7.5%, plus a traditional IRA with about $3,823. My husband thinks I should roll the trust fund into my IRA. Is that a good idea, especially since it's currently earning 7.5%? Resources Mentioned: Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner) Christian Credit Counselors Movement Mortgage Our Ultimate Treasure: A 21-Day Journey to Faithful Stewardship by Rob West Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety Rich Toward God: A Study on the Parable of the Rich Fool Find a Certified Kingdom Advisor® (CKA) FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

One out of every four loans in 2026 will be non-agency. Are you positioned to compete for all of them — or just three out of four? In this episode of Connect, California MBA CEO Paul Gigliotti sits down with Tom Davis, Chief Sales Officer at Deephaven Mortgage, for a data-heavy, no-fluff conversation on where the non-QM and non-agency markets are headed, why the equity opportunity is generational, and what loan officers need to do right now to stay relevant. Tom brings a front-row view of what's actually happening across borrower demand, product innovation, and liquidity — and he doesn't sugarcoat what originators are leaving on the table by not having a full suite of non-agency products. In this episode: • Why non-QM is on pace to hit $150–180B in 2026 — an all-time record The $400–500B total non-agency market and why missing it means only accessing 75% of your opportunity • Who the non-QM borrower really is: self-employed, investor, credit event, foreign national — and why they're actually lower risk than you think • Why 30% of all 2025 transactions were investor deals — and what a full investor product suite looks like • The home equity opportunity: $35 trillion in equity, 80% of homeowners locked into sub-5% rates, and $600B in renovation originations projected for 2026 • HELOCs, closed-end seconds, and how Deephaven built a Jumbo HELOC up to $1M with alt-doc features • Why waiting for rates to drop is a losing strategy — and what LOs should be doing instead • How servicers are stealing your past clients at a 90% retention rate — and how equity products stop the bleed Connect is the California MBA's podcast where strategy, innovation, and leadership come together to shape the future of mortgage finance. Subscribe for new episodes featuring the voices driving the industry forward.

Infinite banking gets pitched to almost everyone, but it only works for a narrow group of people. The concept isn't about how much you earn or how disciplined you are at saving. It comes down to whether you borrow money regularly and what that borrowing actually costs you. The original idea, as Nelson Nash conceived it, was built for business owners with strong, consistent cash flow who finance things as part of their daily operations. Think of a retailer buying inventory or a company purchasing equipment. These are people who are already borrowing money and paying meaningful interest to do so. That's where the math gets interesting. Inventory loans and short-cycle business credit often carry double-digit rates because banks understand the payoff expectations and the risk associated with that lending. Moving that financing from 15% down to somewhere near 5% is a real advantage, especially when you can repay on your own schedule and keep the debt off the bank's radar. The trouble is that infinite banking isn't a savings hack, and it isn't magic. If you spend more than you earn, no policy structure can fix that. And if you rarely borrow, or your best available credit is already cheap, a policy that sits unused defeats the whole premise. You'll also learn why policy loan rates don't move the way bank rates do. Traditional lending follows the Fed, but whole life policy loans track the bond market and typically reprice no more than once a year. During a rate-hiking cycle, that difference can widen the gap in your favor. Honesty about suitability matters here. A large share of permanent life policies lapse within ten years, often because people underestimate future cash needs. That's not an argument against the concept, but it is a reason to be clear-eyed about who should attempt it. If you think you might fit the profile, or you're not sure, it's worth getting a straight answer before you commit. Schedule a call or send us a message, and we can walk through whether it actually makes sense for your situation.

Student loans are changing in a major way, and many borrowers may not realize how much their repayment options could shift. In this episode of The New Money Habits Podcast, Nino Villa is joined by student loan coach Renée Earwood to talk through the federal student loan changes scheduled for July 1, 2026. Renée explains why this date matters, how the current student loan system is being restructured, and why borrowers should not assume their repayment plan will simply stay the same with a few minor tweaks. They discuss the SAVE plan going away, changes to income-driven repayment options, the new Repayment Assistance Plan, forgiveness timelines, possible tax consequences, and why borrowers may see their monthly payments increase. Renée also explains why Parent PLUS borrowers may be especially affected and why it is important to understand your loan type, repayment plan, income, family size, tax filing status, and long-term financial goals before making decisions. If you have student loans, Parent PLUS loans, or someone in your household is preparing to borrow for college, this conversation is an important place to start. The rules are changing, and the more clearly you understand your options now, the better prepared you can be before those changes take effect. Learn more at NewMoneyHabits.com Join the New Money Habits CommunityStart your 7-day free trial and connect with others building healthier money habits. Memberships start at $7/month. Helpful Resources Mentioned in This Episode Watch on YouTubeFull video version of this episode. Payday Power PlannerA free tool to help you plan your money between paychecks and make clearer decisions before the next payday arrives. Food Number CalculatorA free tool to help simplify food budgeting and planning. Submit Your QuestionsEmail us at podcast@newmoneyhabits.com Join Our Free Facebook Grouphttps://www.facebook.com/groups/newmoneyhabits Schedule a Free Call with Coach Ninohttps://www.newmoneyhabits.com/freesession Online Course: How to Create a Better BudgetYour Foundation to Financial Freedomhttps://www.newmoneyhabits.com/bootcamp Music CreditsThis episode features music by Summer School. Connect With UsFollow @newmoneyhabits on social media for more insights, tools, and updates.

Wanna work with us? Schedule a call here: https://go.oncehub.com/bookacall What really happens when a hard money borrower stops paying? In this episode of the Private Lenders Podcast, Jason and Chris from Hard Money Bankers break down a real-life hard money loan default story — including the underwriting decisions, borrower challenges, foreclosure process, tenant issues, and the lessons every private lender should understand before increasing leverage. This wasn't a bad borrower. It was an experienced repeat client with multiple successful loans who ultimately got squeezed by non-paying tenants, failed refinance attempts, rising carrying costs, and a collapsing exit strategy. Inside this episode: How a performing borrower became a default The risks of higher LTV hard money loans Why refinance exit strategies can fail The hidden risks of tenant-occupied rental properties Cross-collateralization explained Foreclosure and eviction challenges for lenders Protecting your downside in private lending What real default management looks like behind the scenes Most lenders only talk about originations, profits, and loan volume. This episode dives into the part of private lending most people avoid discussing: managing risk when deals go sideways. Whether you're a private lender, hard money lender, real estate investor, or raising capital for lending deals, this episode offers valuable insight into loan underwriting, borrower risk, default mitigation, and protecting capital in today's market. ✅ Please like, subscribe, and share! ✅ Are you a new or experienced private lender or hard money lender? Join Jason Balin and Chris Haddon from Hard Money Bankers as they draw from their extensive experience running a successful hard money lending company since 2007. Tune in weekly with episodes related to all aspects of private lending. From discovering lucrative loan opportunities to securing private capital, effectively managing your loan portfolio, handling defaults, and much more, we've got you covered. ✔️ Tune in now and watch the full video podcast at www.privatelenderspodcast.com ✔️If you enjoyed this podcast we would appreciate a positive review... https://podcasts.apple.com/us/podcast/private-lenders-podcast/id1476153070 ✔️Make sure to check out the #1 Online Community For New and Experienced Private and Hard Money Lenders.. Create your account at www.hardmoneymastermind.com   FOLLOW US ON SOCIAL Get updates or reach out to Get updates on our Social Media Profiles! ✅ Instagram: https://www.instagram.com/hardmoneymastermind/ ✅ Tiktok: https://www.tiktok.com/@hardmoneymastermind  

In this episode, Axel sits down with Pat Brady — founder of Brady Capital Advisors — for a sharp conversation on the current New England debt market, what makes a great borrower, and where smart capital is flowing in 2026.He brings a uniquely data-rich perspective on where bank spreads are heading, how rent control is reshaping Massachusetts, and why New Hampshire remains the region's most compelling multifamily market.This episode is essential listening for any New England multifamily investor who wants a clear-eyed view of the lending environment and where to focus capital right now.Join us as we dive into:Pat's path from internship at The Claremont Companies to Arbor Commercial Mortgage to boutique brokerage to founding Brady Capital AdvisorsThe value proposition of a mortgage broker for both mom-and-pop operators and sophisticated institutional sponsors — and why it's different for eachWhy lenders perform better when a mortgage broker is involved; more incentive to compete, more willingness to problem-solve, and better negotiating leverage for the borrowerThe 2026 rate reset wave: borrowers locked in at low-3% fixed rates in 2021 are now facing balloon payments and refinances and what the current market looks like for themWhat separates a great borrower from a difficult one: transparency, clean books, and emotional stabilityHow Pat's team is using Claude to eliminate data entry and free up originators to focus on revenue-generating work with strict guardrails around proprietary borrower dataThe Massachusetts rent control breakdown: 60% of investors pencils down, 20% waiting for a smoking deal, 20% calling it a generational opportunityWhy New Hampshire is everyone's market right now and how capital migrating out of Mass is creating ripple effects across the regionConnect with Pat:Connect with him on LinkedinFollow Brady Capital on InstagramLearn more about Brady Capital AdvisorsListen to the Previous Episodes with Pat:Ep231 - Dissecting Current Debt Environment, Working w/ Local/Regional Banks, and How To Be A Great BorrowerAre you looking to invest in real estate, but don't want to deal with the hassle of finding great deals, signing on debt, and managing tenants? Aligned Real Estate Partners provides investment opportunities to passive investors looking for the returns, stability, and tax benefits multifamily real estate offers, but without the work - join our investor club to be notified of future investment opportunities.Connect with Axel:Follow him on InstagramConnect with him on LinkedinSubscribe to our YouTube channelLearn more about Aligned Real Estate Partners

Cathy Hwang, professor of law at the University of Virginia, and Andrew Tuch, professor of law at Washington University in St. Louis, join the Business Scholarship Podcast to discuss their article Lend Me Your Counsel. This episode is hosted by Andrew Jennings, associate professor of law at Emory University, and was edited by Alec Johnson, a law student at Emory University.

A candid look at what our student loan experts are seeing in real-time consultations. The throughline: borrowers need to pull their heads out of the sand because too many are sitting on consolidation deadlines, surprise recertifications, and PSLF misconceptions that could cost them years of credit. The conversation moves from urgent Parent PLUS deadlines to PSLF edge cases, then to disability planning and ABLE accounts — every topic drawn from patterns the team is seeing across recent consults.Key moments:(03:47) Parent PLUS borrowers must consolidate before July 1 to preserve IDR access(08:09) Servicers are pulling tax data months early — revoke IRS consent to control your recertification(22:29) Big Beautiful Bill removes IBR's hardship test, reopening PSLF for high earners(36:13) Disability creates two tracks: IDR recalculation for income drops, or Total and Permanent Disability Discharge(42:07) ABLE accounts let families save for disability expenses with tax-free growth, and 529 funds can roll inResources mentioned: StudentAid.gov - official Federal Student Aid site for IDR, consolidation, PSLF, disability discharge, and more Like the show? There are several ways you can help!Follow on Apple Podcasts, Spotify or Amazon MusicLeave an honest review on Apple PodcastsSubscribe to the newsletterJoin SLP Insiders for student loan loopholes, SLP app and member communityFeeling helpless when it comes to your student loans?Try our free student loan calculatorCheck out our refinancing bonuses we negotiatedBook your custom student loan planGet profession-specific financial planningDo you have a question about student loans? Leave us a voicemail here or email us at help@studentloanplanner.com and we might feature it in an upcoming show!Mentioned in this episode:The SLP YouTube ChannelIf you're more of a visual learner or you like seeing charts, breakdowns, and exploring other topics, check out https://youtube.com/studentloanplannerFree Student Loan newsletterIf you are not already getting our weekly newsletter every Thursday, you are missing out. We break down studio loan news, updates, money tips, all in one helpful newsletter. Sign up for free at https://studentloanplanner.com/newsletter

In this episode of the Loan Officer Podcast, host Dustin Owen sits down with Mike Pearson from AD Mortgage to explore a range of lending opportunities specifically designed for non-U.S. citizens. During their conversation, Mike provides an in-depth breakdown of three key loan types that are available to this unique and often underserved segment of borrowers: foreign national loans, ITIN (I-10) loans, and non-QM loans for visa holders. Mike takes the time to explain the specific documentation requirements for each loan category, including what types of identification, proof of income, and residency status are needed to qualify. He also discusses typical down payment expectations, highlighting how these may differ from conventional loans, and outlines the loan-to-value (LTV) guidelines that borrowers and loan officers should keep in mind. Throughout the episode, the conversation emphasizes the important point that legally present borrowers who may not meet the criteria for conventional financing still have a variety of viable mortgage options available to them through AD Mortgage. Mike shares practical advice and real-world examples to illustrate how these loan products can help non-U.S. citizens achieve homeownership or invest in real estate within the United States. Additionally, Mike encourages loan officers and realtors to proactively embrace this growing and often overlooked market segment, rather than turning away clients simply because they do not fit the traditional borrower profile. By understanding and utilizing these specialized loan programs, industry professionals can better serve their communities, expand their business, and help more clients realize their dreams of homeownership.   Loan officer looking for a new place to call home?

Mary shares stories of strange and precognitive dreams–some of which seem to bridge time itself– and the Borrower of Shiny Things–an unseen something which seems to take and return things from her home.If you would like to help us continue to make Strange Familiars, get bonus content, t-shirts, stickers, and more rewards, you can become a patron: http://www.patreon.com/StrangeFamiliars SpectreVision Radio is a bespoke podcast network at the intersection between the arts and the uncanny, featuring a tapestry of shows exploring the anomalous, the luminous, and the numinous. We're a community for creators and fans vibrating around common curiosities, shared interests and persistent passions. spectrevisionradio.com linktr.ee/spectrevision Learn more about your ad choices. Visit megaphone.fm/adchoices