Podcasts about The Borrowers

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.

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  

Nearly 60% of young South Africans rejected by banks are turning to mashonisas as unemployment, rising costs, and student debt push survival borrowing into dangerous territory. Jacob Moshokoa speaks to Samantha Moyana, Debt Counsellor at National Debt Advisors, about how financial exclusion is driving a generation into informal lending and why this is being seen as a system failure rather than personal financial irresponsibility.See omnystudio.com/listener for privacy information.

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.

See omnystudio.com/listener for privacy information.

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?

In today's episode of The Daily Brief, we cover two major stories shaping the Indian economy and global markets: 00:04   Intro 00:27   RBI's hidden economic signals 12:18   Tyre industry hits a tough patch 20:36   Tidbits We also send out a crisp and short daily newsletter for The Daily Brief. Put your email here and we'll make you smart every day: https://thedailybriefing.substack.com/ Note: This content is for informational purposes only. None of the stocks, brands, or products mentioned are recommendations or endorsements.

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

Student loans are changing fast, and the rules are getting harder to follow. What if the biggest risk is not your balance, but the path you choose to manage it? In this episode, Iván Watanabe and Evan Wohl interview Geoffrey Urquhart, CEO of Sharp Notions and Founder of RefiDesk, about how borrowers can adapt to evolving student loan policies. He explains recent federal changes, new borrowing caps, and how repayment options are shifting toward income-based plans. Geoffrey also shares how to evaluate forgiveness versus refinancing, common mistakes borrowers make, and why planning earlier, even during school, can significantly impact long-term outcomes. Key takeaways: How new federal borrowing caps affect professional and graduate students and shift funding strategies earlier Why choosing between forgiveness and refinancing depends on income stability and long-term planning goals Common borrower mistakes, including wrong repayment plans and poor timing when refinancing loans How residency and early career stages offer critical opportunities to optimize loan strategies How RefiDesk simplifies decision-making by comparing repayment and refinancing options efficiently And more! Connect with Iván Watanabe: Opus Private Client, LLC  iwatanabe@opus-pc.com LinkedIn: Iván Watanabe YouTube: OPUS Private Client, LLC Connect with Evan Wohl: Opus Private Client, LLC  ewohl@opus-pc.com  LinkedIn: Evan Wohl YouTube: OPUS Private Client, LLC Connect with Our Guest: LinkedIn: Geoffrey Urquhart Website: Sharp Notions Website: RefiDesk About Our Guest: Geoff Urquhart is the CEO of G Sharp Inc. and the founder of RefiDesk, a platform that helps financial advisors and their clients make smarter decisions regarding student loans. He previously co-founded GradFin, a student loan platform that worked with thousands of borrowers and advisors before being acquired by KeyBank. Geoff has spent over a decade focused on simplifying complex student loan decisions—helping borrowers navigate forgiveness programs, repayment strategies, and refinancing options. His work today centers on making that expertise more accessible through technology so advisors and clients can get clear, actionable answers without needing to become experts themselves.

Inside a climate-controlled room at lender Luxury Asset Capital's Manhattan office, rows of Hermès handbags line the shelves: Mini Kellys in exotic skins worth roughly $75,000 each, diamond-encrusted Birkin bags and other limited-edition pieces that are worth six figures. Nearby, a first edition of The Catcher in the Rye (which can sell for as much as $50,000) sits alongside contemporary artwork, including a Yoshitomo Nara drawing, worth more than $200,000. Down the hall, safes hold scores of Rolex watches, diamonds and gold jewelry, all meticulously tagged and sealed.  And none of it is for sale. The items are all collateral—pledged by ultra-wealthy borrowers seeking quick cash. Denver-based Luxury Asset Capital runs its operation with the basic mechanics of a neighborhood pawn shop and the discretion of a Swiss bank. Borrowers pledge their watches, jewelry, handbags and fine art in exchange for short-term, nonrecourse loans—often funded within a day.  One borrower who manages a large hedge fund hocked his wife's eight-carat diamond ring—worth upwards of $600,000—after receiving a large margin call (the loan was eventually repaid and the ring was returned. Another client once brought in an Emmy award as collateral. By Sergei Klebnikov, Forbes Staff Learn more about your ad choices. Visit megaphone.fm/adchoices

After the RBA's move to hike rates to 4.35 per cent, the team breaks down what this means for borrower serviceability and the "double-edged sword" facing the central bank as inflation remains stubbornly high. Plus, the team pulls apart the financial results from three major banks and looks at the shifting landscape for broker flows at the majors. The conversation also highlights the growing pressure on small businesses, with new resources designed to help brokers navigate difficult conversations before arrears set in and the looming "Payday Super" changes that could catch SMEs off guard. This week, they discuss: Why the RBA believes the current cash rate "buys them space" amid Middle East instability. The "proprietary fight back" as major banks aggressively target branch-led growth. How the upcoming Payday Super regulations will create a significant cash flow crunch for SME clients. And much more!

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

Borrowers hit again as the Reserve Bank raises interest rates; The antisemitism inquiry hears Jewish families are living in fear; Stephanie Gilmore reclaims her Gold Coast crown in her return to surfing's world tour.

This is where most people finally see it. Banking isn't complicated - it''s just been hidden in plain sight. In this episode, Jim and Nick break down how banks actually make money and why most people are on the wrong side of that equation. The core issue isn't income. It's money flow. Right now, money is moving away from you, through interest, financing, and lost opportunity.  Banks understand this. They keep money in motion 24/7. But most people don't. You can make the shift: it's simple, but not easy: Become the depositor, the borrower, and the owner. Hint: That's Infinite Banking. Once you understand that, everything changes. Key Takeaways - Money must move or it loses value - Banks profit by controlling the flow of money, not the rate - The real problem is volume of interest leaving your life - You finance everything, either by paying interest or giving it up - Infinite Banking puts you back in control of that system - Velocity of money creates long-term wealth, not accumulation alone Chapters 00:00 Becoming Your Own Banker 02:54 Why Money Must Flow 09:57 The Real Cost of Financing Everything 12:25 Where Your Money Is Actually Going 15:16 How Banks Really Make Money 19:34 The 3 Roles: Depositor, Owner, Borrower 24:18 Velocity: The Engine of Wealth 31:26 Infinite Returns and Real Wealth Building 34:43 The 5 Rules of Infinite Banking ______________________________ If you're ready to breakaway and start making real wealth, then join our free community.  Get access to new daily content, on-demand courses on how money works and Infinite Banking, a Q&A video library, reading library, worksheets, calculators, and more.  

She Got A Doctor $997,000 In Student Loans FORGIVEN (Here's How)$997,000 in student loan debt forgiven for ONE doctor. Dr. Sonia Lewis, CEO of The Student Loan Doctor, has personally helped clients credit over $55 MILLION toward loan forgiveness across 65,000+ clients since 2016. While 44.6 million Americans drown in $1.84 TRILLION of student debt, she has cracked the code on how the federal forgiveness programs actually work, who qualifies, and which doors most people are walking past without even knowing they exist.In this episode of Diversified Game Podcast, Kellen sits down with Dr. Sonia Lewis to break down the truth behind the student loan industrial complex, why African American women carry the highest student debt of any group in America while building the least household wealth, and the four federal forgiveness programs nobody is telling you about: PSLF, TEPSLF, Borrower's Defense, and Total Permanent Disability discharge.This is not financial fluff. This is real, actionable, life-changing intel for anyone holding a federal student loan or planning to take one out. Whether you are a doctor making six figures wondering whether to wait out 10 years of forgiveness or a recent grad scared to log into studentaid.gov, Dr. Sonia gives you the playbook.CONNECT WITH DR. SONIA LEWISFree Monday class at 8 PM EST: freesldclass.comAnnual membership: $297 includes weekly classes, study hall, and meetupsInstagram and LinkedIn: search Dr. Sonia Lewis, The Student Loan DoctorKEY STATS DROPPED IN THIS EPISODE$1.84 trillion total US student loan debt as of late 202544.6 million Americans hold federal student debtAverage federal balance is $39,633 per borrowerBlack women carry the highest student debt of any demographicOnly 3% of Americans retire with a million dollarsThe Student Loan Doctor has helped credit $55 million toward forgiveness for 65,000 clientsLISTEN ON YOUR FAVORITE PLATFORMApple Podcasts, Spotify, Podbean, YouTube, FacebookDiversifiedGame.comCONNECT WITH KELLEN AND CPR FIRMPublic relations, media strategy, government contracting, and brand positioning at colemanprfirm.comAI automation, agentic systems, and revenue infrastructure for operators and entrepreneurs at millionairex.aiFor consulting inquiries, podcast guest requests, and AI integration audits, reference KashCode 2401 / Kcoleman when you reach out.If this episode helped you, do three things. Share it with one person carrying student debt. Drop a comment with the question you want Dr. Sonia to answer next. Subscribe so the next episode does not pass you by.You already paid for college. Stop paying for it twice. Diversified Game Podcast.

This is more than a home—it's a place to slow down, gather, and truly experience the McKenzie River. Whether as a full-time residence, a second home with guest-use flexibility, it offers a lifestyle that's becoming harder to find.    "Live here and really live… This property adds to your life." Why the McKenzie? Daily life on the river How the home was designed Guest / Rental Flexibility Local Culture Why they're selling What they'll miss most Guests Bert Deklerk & Annie Margarita Ep 130 - Legacy Property • McKenzie River Region  What is a Legacy Property?   Ep 127 - Premier Homes • McKenzie Oregon's Outdoor Paradise Ep 111 - Premier Living In The McKenzie - Part 1 Ep 112 - Premier Living In The McKenzie - Part 2 Ep 145 - How Tourism Works In McKenzie River • Weddings, Events & Overnight Stays   Ep 144 - Exploring Weddings Along The McKenzie River Ep 148 – Why Home Buyers Must Get Pre-Approved Before Making an Offer Prepare to Sell and Know what to do when Buying your next Home ~ Windermere 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 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

Borrower retention schemes are back in the spotlight after media reports revealed a major bank offering cash incentives to customers already partway through the refinancing process. But brokers have hit back, saying these schemes undermine competition and effectively waste hours of unpaid work. Join The Adviser's senior journalist, Charlie Tchetchenian, and commercial content writer, Ben Squires, as they unpack questions of channel conflict in this week's episode of What's Making Headlines – your weekly wrap-up of all the news shaping the mortgage and finance broking space. They also discuss: Why brokers are increasingly walking away from certain types of deals. Confirmation of fraud in the network of one of Australia's biggest aggregators. A broker association's appearance before the Senate select committee on productivity. And much more!

We're bringing you a grab-bag of student loan updates you need to know about. Borrower defense letters are finally going out, long-term forgiveness is being processed (sometimes for borrowers who technically shouldn't qualify yet), and the Department of Education is quietly breaking its own IDR recertification timelines. We walk through what's actually happening, what to do if you're affected, and how to stay in control of your payment when the system isn't cooperating.Key moments:(03:16) PSLF buyback and why SAVE calculations are off the table(06:02) Long-term forgiveness is processing, including some surprising cases three years early(13:14) How to revoke tax return consent and take back control of your recertification date(16:52) What to expect when your payment changes after leaving SAVE(20:29) When your loans are incorrectly coded as Parent PLUS and the workaround to get the right payment planLike 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:Free 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/newsletterThe 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

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?

In this episode of LoanOfficerPodcast.com, host Chris Johnstone reveals a powerful new AI-driven lead source that's already helping one of his clients close 40% of their loans from AI referrals — and shows loan officers how to position themselves as the go-to "second opinion lender" that AI tools like ChatGPT recommend when borrowers upload a competitor's quote.   AI is already sending borrowers to your competitors — Chris breaks down how consumers are uploading loan quotes and pre-approvals into ChatGPT and asking it to find them a better deal, and exactly how to make sure AI is recommending you as the alternative lender in your market. Live build: a second opinion calculator tool — Chris walks through using Claude Code to build a custom mortgage comparison tool that loan officers can embed directly on their website, turning AI-referred visitors into captured leads with a real workflow. Train AI to see you as the expert — Learn the weekly content strategy that teaches ChatGPT, Grok, and Gemini that you're the authority on specific loan products in your market, so AI consistently surfaces your name when borrowers are ready to take action.   If you're a loan officer who wants to stay ahead of where the leads are going, subscribe to LoanOfficerPodcast.com so you never miss an episode. And if this episode gave you value, please take 10 seconds to leave us a 5-star rating — it helps us reach more loan officers just like you. ⭐⭐⭐⭐⭐

[Money Talks News] Homeowners' insurance companies are using digital surveillance to spy on homeowners to cancel policies and increase premiums. Here's how they can fight back. [Housing Wire] First American Title files suit seeking to freeze $1.6M in Novad Asset Management assets.  [Chattanooga Times Free Press] More older homeowners are learning the cost of staying in a home not suited to age in place. Watch our video podcast here!

What happens when a Division I athlete, 10-year Johnson & Johnson executive, and 12-year real estate veteran builds a FinTech platform to connect private capital to real estate operators at scale?   You get Douglas J. Beck — and this conversation is a masterclass in creative capital markets, PropTech innovation, and how serious operators like Vinney are structuring deals that generate 22% IRR for their investors.   In this episode of Syndication Made Easy, Vinney "Smile" Chopra sits down with Douglas to break down his AI-powered loan matching platform, his vision of a private lender affiliate army, and how syndicators can tap into an entirely new channel of capital — without competing deal by deal.  

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

Send us Fan MailThe market isn't “getting tough.” It's changing.And most loan officers are still operating like it's 2021.In this episode, Frazier and Michael break down the reality of the new economy—where AI, inflation, global conflict, and shifting consumer behavior are rewriting the rules in real time.No predictions. No false hope.Just a blunt question:

Hard money lending is one of the most misunderstood parts of real estate investing—but it plays a critical role in getting deals done.In this episode of the Alternative Investing Advantage podcast, Alex Perny sits down with Will Harvey of Harvey Capital to break down how hard money actually works, who it's for, and how lenders evaluate deals.You'll learn:How hard money loans are structuredWhy lenders focus on the borrower, not just the dealThe biggest mistakes real estate investors makeHow local market knowledge impacts lending decisionsWhy over-improving properties kills profitabilityHard money isn't predatory—it's a tool. And when used correctly, it can unlock deals that traditional financing can't support.If you want to understand how smart lenders protect their capital and how to think like one, this episode gives you the framework.⏱ Chapters:0:00 — Introduction & Why Hard Money Gets a Bad Rap2:23 — Will's Background: From House Hacking to Hard Money7:39 — How Will Found His Footing as a Lender11:38 — The Accidental Business That Had Legs16:52 — Why Local Market Knowledge Beats Everything20:05 — The Petersburg Example: Why Not Every Deal Is Equal24:53 — How Will Underwrites Loans: ARV, LTV & Character29:11 — Why Will Always Meets Borrowers Face to Face31:40 — Using AI to Improve Underwriting Decisions36:58 — Loan Structure: Points, Rates & Flexible Terms40:13 — The Flexibility of Private Lending vs. Traditional Financing46:14 — What Will Looks for in a Borrower's Renovation Approach55:18 — Where the Market Is Headed & Will's Future PlansSubscribe 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, Will Harvey:https://harvey-capital.com/aboutLearn more about Advanta IRA: https://www.AdvantaIRA.com/ https://podcasters.spotify.com/pod/show/advanta-irahttps://www.linkedin.com/company/Advanta-IRA/https://twitter.com/AdvantaIRA https://www.facebook.com/AdvantaIRA/ https://www.instagram.com/AdvantaIRA/#HardMoneyLending #RealEstateInvesting #PrivateLending #SelfDirectedIRA #AlternativeInvesting #RealEstate

298 - The Hidden Real Estate Strategy No One Talks About: Seller Finance Notes Explained What if the biggest opportunities in real estate aren't in flipping houses… but in buying paper? In this eye-opening conversation, Will Harvey breaks down the hidden world of seller finance notes, hard money lending, and how savvy investors are capitalizing on valuation gaps between public and private markets. If you've ever felt stuck relying on traditional flips or unpredictable buyers, this episode reveals a smarter way to create consistent returns. Will shares the real strategies he uses through Harvey Capital, from evaluating borrowers and underwriting conservative ARV projections to structuring deals with strong exit strategies like DSCR loans. You'll also learn how note investing works, why buying seller finance notes can generate passive income without owning property, and how partial note purchases create win-win liquidity opportunities. This episode is packed with practical insights from real deals, including lessons from house hacking, hard money lending, multifamily investing, and transitioning from operator to finance-focused investor. If you're a real estate investor navigating today's uncertain market, looking for creative financing strategies, or wanting to shift toward passive income, this conversation is essential listening. Whether you're flipping houses, building rental portfolios, or exploring note investing for the first time, these insights could help you reduce risk, improve deal analysis, and unlock new income streams right now. 5 Powerful Takeaways • How focusing on borrower quality and exit strategy can dramatically reduce lending risk and protect your capital • Why conservative ARV calculations can make or break your flip, even when everything else goes wrong • How seller finance note investing creates passive income without owning or managing property • The power of partial note purchases to generate liquidity for sellers while creating yield for investors • A simple strategy to strengthen your credibility with lenders by presenting a clear refinance or DSCR exit plan About the Guest Will Harvey is the founder and principal of Harvey Capital, a real estate investment firm focused on active and passive strategies across both private and public markets. He has hands-on experience in house flipping, hard money lending, multifamily investing, hospitality assets, and seller finance note acquisitions. After transitioning from operator to finance-focused investor, Will now specializes in identifying valuation disconnects and structuring capital solutions. His real-world background allows him to evaluate deals from both the borrower and lender perspective. Through Harvey Capital, he focuses on short-term lending, note investing, and helping investors access capital with strong risk management. Will brings practical, numbers-driven insight rooted in real transactions. Resources & Websites Mentioned • https://harveycapital.com • mailto:will@harveycapital.com   00:00 Show Intro 00:57 Mindset Bestowment 01:46 Five Mindset Shifts 03:42 Badass Bottom Line 04:15 Meet Will Harvey 05:50 Will Origin Story 07:01 From Mortgages to Rentals 09:23 Pivot to Finance Side 10:46 House Hacking Question 12:52 Borrower vs Deal Filters 15:41 What Makes Good Borrower 20:58 Deal Math for Flips 23:14 Underwriting Red Flags 25:58 Exit Strategy DSCR Loans 27:18 Proving Refi Plan 28:42 Seller Notes Explained 29:30 How Notes Get Created 32:48 Buying Paper For Cash 35:04 Discounts And Underwriting 35:58 Partial Note Purchases 37:37 Sourcing Notes And States 40:03 Pricing Notes Basics 42:12 90 Day Learning Plan 43:33 Borrower Tips For Lenders 45:26 Investing In The Fund 46:21 Badass Book Pick 47:39 Advice Action Wins 48:55 Drive Faith And Family 49:35 Aspiration Using AI 51:32 Systems Morning Routine 53:02 Success Being Present 54:03 Final Contact And Wrap  

[Housing Wire] A widow of a HECM borrower was seeking non-borrowing spouse protections until she was foreclosed on. A Lawsuit followed. [Housing Wire] A default judgment led to one creditor attempting to force withdrawals from one HECM borrower's line of credit. Here's what the courts said.  [HECMWorld] Reverse plus Analyzer is now integrated with these proprietary loans. Watch our video podcast here!

This week on "Off the Cuff," Hugh and Sarah highlight some updates concerning borrower defense and preview comments for the 2027-28 FAFSA. Sarah kicks things off with a background on borrower defense and a recent trend in which some schools have seen an increase in claims. Sarah then provides details on NASFAA's preview comments for the upcoming FAFSA and explains how members can use that information to inform their own comments.

Ever questioned what you've been taught about money and borrowing? This video dives into how traditional financial advice might be flawed, urging you to reconsider your approach to personal finance. Discover better ways to manage your funds and work towards true financial freedom by questioning common assumptions about wealth building. Trying to increase cashflow to build wealth? These are the principles that get you there. IF, you can follow them. This episode explores six transformative principles of financial mastery, focusing on how to think like a banker rather than a consumer. It covers the importance of financing everything you buy, understanding opportunity costs, and leveraging whole life insurance for wealth building. LEARN MORE - https://www.thewealthwarehousepodcast.com/ Chapters 00:00 Introduction and Vacation Recap 01:23 Principle 1: You Finance Everything You Buy 12:40 Principle 2: Think Like a Banker, Not a Borrower 21:26 Transforming Mindsets for Financial Independence 22:25 The Infinite Banking Concept Explained Would you rather have 100% control of your money with lower returns, or higher returns with 0% control? Let's debate in the comments! *Subscribe, share with a friend, and until next time — control your capital, or somebody else will.* DISCLAIMER: Licensed Authorized Infinite Banking Practitioners. Educational purposes only. Schedule consultation for personalized advice.

In this episode, Kyle Jones is joined by Stephen Hale of Karpe Real Estate Center, a Bakersfield company approaching 100 years in real estate and lending. They break down hard money lending and explain how it works and who it's for. Stephen shares why many borrowers choose it for speed and flexibility instead of traditional financing. They also cover the investor side, including typical returns, fractional trust deed investing, and risks like foreclosure. The conversation touches on bridge loans, estate planning, and how Karpe supports clients from start to finish. Whether you're a borrower, an investor, or just curious about alternative lending, this episode offers a clear and practical overview! Stephen Hale is a principal at Karpe Real Estate Center and has been with the company since 2019. He has completed over 210 deals totaling approximately $110 million in loan volume, with a focus on commercial and construction lending. Prior to Karpe, he worked as a commercial broker at Colliers Tingey in Bakersfield, specializing in retail. He graduated from UC Berkeley and previously competed as a professional golfer on PGA Tour Latin America and PGA Tour Canada. Check out Karpe Real Estate Center: website facebook instagram LinkedIn  

Attorney Rae Kaplan of Kaplan Law Firm joins John Williams to talk about a new deadline for Parent Plus borrowers. And as always, Rae answers all of your student loan questions.

Attorney Rae Kaplan of Kaplan Law Firm joins John Williams to talk about a new deadline for Parent Plus borrowers. And as always, Rae answers all of your student loan questions.

In today's episode, we go through the true cost of financial crime. Plus, Robbie sits down with PRMG's Kevin Peranio for a discussion on implementing virtual assistants that help find the right documents and borrower information, streamline internal workflows, and scale support during peak demand. And we close by looking at why mortgage rates continue to bounce around.Thank you to Quorum Federal Credit Union, which offers a broker outlet. Quorum empowers brokers to close more deals with flexible, high-LTV mortgage and HELOC solutions featuring up to 4 percent comp, low FICO options, and versatile programs for nearly every borrower scenario.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.

Mike Switzer interviews Ray Jones, chief product officer for the South Carolina Student Loan Corporation in Columbia, SC.

In this episode of THE MORTGAGE SHOW, we break down how the market flipped in a matter of weeks, why rates jumped so fast, and what's actually happening behind the scenes with inflation, the Fed, and the bond market. If you've been wondering why mortgage rates don't always follow the rules, this is a good one.We also get into how we're navigating it with clients, from setting target rates to getting fully approved upfront so you're ready to move when the opportunity hits. Plus, a real conversation on borrower psychology, chasing lower rates, shopping lenders, and when it actually makes sense to pull the trigger.We round things out with some recent wins, creative loan scenarios, new programs like doctor loans and spec home financing, and a little trash talk to close it out.

In today's episode, we go through the announcement by Fannie and Freddie to buy more MBS. Plus, Robbie sits down with Castor Financial's Brooks Champagne for a discussion on solving DTI snags with unique income stacking qualification and asset depletion features to qualify more borrowers. And we close by looking at how tweets on the Iran War are influencing the bond markets.Thank you to Quorum Federal Credit Union, which offers a broker outlet. Quorum empowers brokers to close more deals with flexible, high-LTV mortgage and HELOC solutions featuring up to 4 percent comp, low FICO options, and versatile programs for nearly every borrower scenario.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.

In today's episode, we go through the MBA's latest profitability report. Plus, Robbie sits down with Storable's Holly Fiorello for a discussion on how mortgage rate "lock-in" is reshaping housing mobility, borrower expectations, workforce relocation, and the future of homeownership, while examining whether new lending products could unlock significant pent-up housing demand. And we close by looking at reactions to the Federal Reserve's decision to keep rates steady, as well as the rhetoric used by Fed Chair Powell in his press conference.Thank you to Ocrolus. Ocrolus is transforming the mortgage industry with AI-powered data and analytics, featuring cutting-edge tools for automated indexing, income analysis, and now automated conditioning. Ocrolus is empowering lenders to make timely, confident lending decisions. Whether you need to verify income across complex pay scenarios or review borrower documents with confidence, Ocrolus helps mortgage teams move at the speed of automation with the precision of human oversight. Learn more at ocrolus.com/mortgage.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.

NBC's Joe Fryer explores the latest social media craze — '90s nostalgia. Also, a closer look at some Americans with college loans who say they're facing fraudulent charges and are fighting back against certain lenders. Plus, the Shop TODAY team shares picks for the best sleep products, from bedding to sleepwear, to help you get a good night's rest. And, chef Nadav Greenberg makes a shrimp spaghetti dish. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this episode, we sit down with Daniel Taylor, National Sales Manager at AgriFinancial (AgFi), and Ethan Turley, Underwriter, to talk about agriculture through the eyes of credit underwriters. Margins are tight. Interest rates are elevated. Commodity prices have softened. Input costs remain stubbornly high. So what are lenders actually seeing? We break down: