Podcasts about business oversight

Group Guide Use this guide to help your group discussion as you meet this week. TranscriptGood morning. My name is Spencer and I'm one of the pastors here. We are continuing through our Remember series. We're in the last couple of weeks of this series. We're walking through our membership commitments and what binds us together and belief and practice as a church. We're in the 13th commitment. Today we've got this and then next week our 14th commitment. And then we'll launch into our gift series for December. But I want to read the 13th commitment before we begin. It says, I will practice and grow in generosity by financially supporting Jesus mission in church in our city and the world. Therefore, I will consistently and sacrificially give to Mill City Church of Cayce and to Mill City Church of Cayce family as they may have need. So this is what our church commits to. But this really embodies the people of God for centuries. This is our story. If you haven't thought about this before, much of actually Western culture is impacted and shaped by the generosity of Christians. Like the majority of hospitals over time were started by churches and denominations. That's why so many in many cities have a Baptist hospital, a Methodist hospital, Harvard, Yale, Princeton, Dartmouth, all at one point were they begun as seminaries. They were training grounds for pastors and educating laypeople in theology. The Salvation army was started by Christians in an effort to wage war on poverty in the London's east end over 100 years ago. The YMCA and the 19th century began as an effort to help Christian men. So it's the Young Men's Christian Association, Christian men who've been negatively impacted by the Industrial Revolution. Samaritan's Purse was started to wage to help kids that were affected in Korea by starvation. Habitat for Humanity was started by Christian missionaries who were building homes and then brought that back to America and has impacted many people for the last few decades. The majority of orphan care, orphanages, adoption agencies were started by Christians that have been run by Christians into the day. The examples go on and on. If you just think locally for a moment, the organization that's had the most impact on homelessness in the city of Columbia, without a doubt has been Oliver Gospel Mission. They've been doing it for over 137 years, since 1988, started by a Methodist minister. Our own hospital, Baptist Hospital, was started by the denomination that we belong to, the South Carolina Baptist convention, years over 100 years ago. So this is a part of the people of God. This is our story. And there are many examples of how this shows up. And our 13th commitment is in line with what God's people have done for Thousands of years. So today I want to show you where this comes from in the Scriptures and why we're called to live with sacrificial generosity. We're going to do a fairly quick blitz through the Bible, from Genesis to Revelation to see this theme. This is going to be a biblical theology of generosity, this theme that gets pulled from Genesis all the way through Revelation, the end of the Bible. So we're going to see where this comes from, where we're commanded to live like this. And then I want to take a step back and examine ultimately why and how we're supposed to, as the church, live this out. So let me pray for us, and then we'll walk through this together. Heavenly Father, I pray that you might help us see the gift that it is to live a life that is generous, that is not about self, but about ultimately you and your purposes here and beyond. And I pray that you would speak to us in a way that would disarm us and instruct us, and we wouldn't just be hearers of the Word, but would leave here as doers. And that's going to come through your work. So we ask this in Jesus name. Amen.Okay, so starting in the book of Genesis. One of the earliest examples we get of generosity in the Bible is in Genesis 14, when Abraham is. He wages. He's in a battle. And after they win that battle, there's a king and a high priest named Melchizedek that comes to him. In Genesis 14, it says,> And Melchizedek king of Salem brought out bread and wine. (He was priest of God Most High.) And he blessed him and said, “Blessed be Abram by God Most High, Possessor of heaven and earth; and blessed be God Most High, who has delivered your enemies into your hand!” And Abram gave him a tenth of everything. (Genesis 14:18–20, ESV)And Abraham gave him a tenth of everything. So this is one of the earliest examples we see of giving up your material blessings. Abraham gives up a tenth of what he has in response to this priest. This type of generosity gets enshrined into the Old Testament law When you read past Genesis, into Exodus, Leviticus, Deuteronomy, Numbers. When you read these books, you see throughout the law, this type of commanded generosity of the people of God. When you get to numbers 18, it's one of the places that commands the people of God to give of their finances to support the work of the priesthood. You see, the Levitical priesthood, that tribe did not have an inheritance from the Lord. That was land Their inheritance was to serve the Lord. And the people of God and the promised land were commanded to give to sustain the work of the Levitical priesthood. So you see this in the Book of Numbers and other places. In Leviticus 19, you see that the giving that God calls us is not just to help those who are priests, like Melchizedek, like the Levitical priesthood, but it is also to help one another. As you read Leviticus 19, this command to be holy as I am holy, there's a bunch of different parts in it. But one of the things that shows up in verses 9 and 10 says,> “When you reap the harvest of your land, you shall not reap your field right up to its edge, neither shall you gather the gleanings after your harvest. And you shall not strip your vineyard bare, neither shall you gather the fallen grapes of your vineyard. You shall leave them for the poor and for the sojourner: I am the LORD your God.” (Leviticus 19:9–10, ESV)It's just built into the law that as you harvest, don't take all of it. Don't be about the enrichment of self, but realize that there are the poor, the widows, the sojourners among you that do not have food and make sure that they can come and take part in the harvest as well. You see this in other places, like Deuteronomy 15. Deuteronomy 15 says,> “If among you, one of your brothers should become poor, in any of your towns within your land that the LORD your God is giving you, you shall not harden your heart or shut your hand against your poor brother, but you shall open your hand to him and lend him sufficient for his need, whatever it may be.” (Deuteronomy 15:7–8, ESV)Do not harden your hearts against your brothers who are in need. Throughout the law, you just see how God is commanding his people to think about one another in a way that is beautiful. And when you read the law, I'm picking places that I can't go to, all of it. But you read it. You read about the redemption laws, you read about the year of jubilee, you read about all these things that God commands of his people so that they might take care of one another, take care of the priesthood, who ministers on behalf of you, and then also take care of one another together. That's all over the Old Testament law.As you keep flipping through the Old Testament, you see examples of how this is lived out. But one of the places that you'll get to is in the wisdom literature. You won't just see that generosity is commanded, but generosity is also wise. It is wise to be someone who lives generously. In Proverbs 3, 9 and 10, it says,> “Honor the LORD with your wealth and with the firstfruits of all your produce; then your barns will be filled with plenty, and your vats will be bursting with wine.” (Proverbs 3:9–10, ESV)I so appreciate that it's proverbial, which means it's not a promise or a guarantee. But what he just said there is that if you honor the Lord with your wealth and with the first fruits of all your produce, that first fruits language shows up in the Old Testament law as well. That is the idea that you take the first of your harvest, not the leftovers. And that theme carries throughout the Bible as well. Don't give the Lord your leftovers, give him the first fruits, the first and best of what you have. If you do this, then your barns will be filled with plenty and your vats will be bursting with wine, which means, again, proverbial. Generally, if you will be willing to be generous, the Lord will provide for you over and over again. So we don't treat it like a formula, but we see that it's wise that those who live generously, the Lord provides for them again and again and again. We see this in 11:24.> “One gives freely, yet grows all the richer; another withholds what he should give, and only suffers want.” (Proverbs 11:24, ESV)Again, proverbial. But the idea here is that if you are giving freely, the Lord is taking care of you. But if you are greedy, if you withhold, if you are self interested, you will only suffer want. And there are plenty of other proverbs that hit different aspects of what it means to the wisdom that is bound up and not living for the enrichment of self, but living generously.Now, the Old Testament law, you see this from start to finish in the Old Testament law. This theme of God's people who were called to live generously. Then we get to the New Testament and then Jesus comes and begins teaching. And one of the most consistent teachings that Jesus has is on money and generosity over and over again. And Jesus doesn't just get to the commands, he gets to the hearts behind the commands. Because when you get to Matthew chapter six in the Sermon on the Mount, Jesus says,> “Do not lay up for yourselves treasures on earth, where moth and rust destroy and where thieves break in and steal, but lay up for yourselves treasures in heaven, where neither moth nor rust destroys and where thieves do not break in and steal. For where your treasure is, there your heart will be also.” (Matthew 6:19–21, ESV)So Jesus gets the heart of the matter, which is, do not, do not live for the riches of this present world. Everything that your heart so quickly desires, all the shiny objects and things in this life, all of it will end up in a landfill. It will decay. But if you will put your heart where God's heart is and the kingdom of God in eternity, you will store up riches that will never spoil or fade. Put your heart there. He gets to the heart of it. And this teaching that we get in Matthew 6 that is so helpful, helps us see, this is what we're called to be, is to put our heart in the things that God cares about that last into eternity. And listen, if you just do the Gospel of Matthew, I'm gonna do just some quick hits of just how he teaches this over and over again. But if you go back to Matthew 5:3, he says,> “Blessed are the poor in spirit, for theirs is the kingdom of heaven.” (Matthew 5:3, ESV)You get to Matthew 5:42. He says,> “Give to the one who begs from you, and do not refuse the one who would borrow from you.” (Matthew 5:42, ESV)You get to chapter six, verses one through four. He says,> “Beware of practicing your righteousness before other people in order to be seen by them, for then you will have no reward from your Father who is in heaven. Thus, when you give to the needy, sound no trumpet before you, as the hypocrites do in the synagogues and in the streets, that they may be praised by others. Truly, I say to you, they have received their reward. But when you give to the needy, do not let your left hand know what your right hand is doing,” (Matthew 6:1–4, ESV)which is the teaching that we should give not to be seen. That we should not strut to the offering box and say, look at what I have done. That we should not let everyone know on GoFundMe that I'm the one that has given. We shouldn't make it known to everyone that I am giving, but we should do it in secret, because ultimately our giving is to the Lord and not to be seen by others. And he continues, I mean, 6:19, 24, we just read do not lay up treasures in heaven. 6:24 we read earlier is,> “No one can serve two masters, for either he will hate the one and love the other, or he will be devoted to the one and despise the other. You cannot serve God and money.” (Matthew 6:24, ESV)6:25–34 he says, do not be anxious about material needs. Seek first the kingdom of God. In Matthew 13:22, when he's teaching the parable of the sore sower, talking about the seeds of faith that are sown, one of the seeds that gets choked out is by the thorns, which is the riches and the cares of this present world. And that's a warning that if we care so much about material blessings in this life, we care so much about money and riches here, it will snuff out our faith. In Matthew chapter 19, we get an example of what that looks like. When a rich young man comes to Jesus and says, I want to follow you. And he gives his resume of all he's followed the law. And then Jesus goes straight to the heart and he says, okay, so sell everything you have. Come, follow me. And he says, no, it went away sad because he had great wealth. And then Jesus goes on to say in teaching that he says, it is easier for a camel to go through the eye of a needle than a rich man to enter the kingdom of God. And listen, that's the eye of a sewing needle. Have you ever heard some prosperity? False prophets say, that's a tiny little door in Jerusalem. That's a lie. The whole point there is that, no, you cannot be saved as a rich man in your own, your own self. It comes through faith in Jesus Christ and him shaping us and our approach to how we think about money. That's just the Gospel of Matthew, but if you keep reading the Gospel of Mark, the Gospel of Luke, the Gospel of John, Jesus continuously, repetitively, aggressively, at times teaches on riches because there's a lot at stake now.Jesus goes to the cross, he dies for our sins. He rises from the grave, conquering the power of death and its grip on us. And then when he ascends to the right hand of God the Father and the Holy Spirit descends upon the church. In Acts 2. We've been in this passage multiple times throughout this Remember series. We see the early church embody Christ's teachings on generosity. In Acts 2:44, it says,> “And all who believed were together and had all things in common. And they were selling their possessions and belongings and distributing the proceeds to all, as any had need.” (Acts 2:44–45, ESV)They believe it. They are all in on what Christ taught. And they just say, give it away. I'll sell this and I'll give it to you. Make sure that the saints are taken care of, make sure that the gospel can go forward. They believe this wholeheartedly and they begin to live this out. And when you read the rest of the book of Acts, you see this. And when you read the rest of the New Testament letters, Romans all the way through, you're going to see this over and over again. I can't hit all of it, but I just want to show you a few different parts of the New Testament letters that teach this theme of generosity. In Second Corinthians, chapter eight, Paul put he's talking to the church at Corinth, which is a very wealthy church and a wealthy city. And when he's talking to them, he uses the Macedonian church, which is in a different area that is not as wealthy, as an example to spur them on to generosity. And in chapter eight, verses three and four, it says,> “For they gave according to their means, as I can testify, and beyond their means, of their own accord, begging us earnestly for the favor of taking part in the relief of the saints.” (2 Corinthians 8:3–4, ESV)That little phrase is one of My favorite phrases on generosity in the Bible, that this church was begging, they were eager. We cannot miss out on this. Can we give? The saints in Jerusalem were struggling, they needed help. And they said, I want all in on this. Can we be a part of this? And he's trying to help the Corinthian church. Do you not see how we're called to live? And if you read different parts of the New Testament in the letters, you're going to see this call to give to the efforts of gospel ministry and give to one another, to take care of one another. I mean, when you read the book of Philippians, y', all, we spent time a couple years ago in the book of Philippians, wonderful, beautiful theological insights, wonderful, beautiful passages. But when you get to the end, you see that it wraps up like a support letter because he's thankful for their partnership with him in the gospel. In 4:15, he says,> “And you Philippians yourselves know that in the beginning of the gospel, when I left Macedonia, no church entered into partnership with me in giving and receiving, except you only.” (Philippians 4:15, ESV)And he's just thankful, thankful for the church at Philippi and how they've invested in his ministry efforts. Paul at times had to be a tent maker, but he did need money to live on. He needed money to travel. And in First Corinthians 9, at one point when he's talking to the church at Corinth, he makes the point that it is my right as a minister of the gospel to be paid. And it makes that clear in the New Testament. Ministers of the gospel, those who do gospel work, should be paid to make their living by the gospel. But he tells the church of Corinth, I'm not demanding that of you because I know that's a stumbling block for you. I want you to believe the gospel. I don't want you to think I'm money hungry. And that is something that even shows up today. It's hard for pastors at times to talk about money because you don't want to fall into the category of money hungry pastors. But God talks so much about it and it's so important. So we will. Throughout the New Testament, you see this commanded generosity, these examples of generosity for the advancement of the gospel, moving forward through caring for one another, and all of that. As you read through the N terminates in the Book of Revelation. And if you were with us the last year as we walked through the Book of Revelation, those final three chapters is a vivid picture of where all this is going, that God's people get to experience the eternal generosity of God unendingly, that we get to have a feast with our God, that He provides for us, that we get to have eternal dwelling with our God, that He provides life and light and riches beyond imagination. Our God freely, lovingly, joyfully, gives to his people forever and ever and ever. Amen. And that is how the Bible ends. And you see from start to finish this thread that is pulled of generosity, of how God's people have been shaped by this and really how we've lived this out for thousands years.But all these examples that are wonderful and beautiful, all these commands that are powerful and all these teachings that shape us, it is also important to realize it's pretty dang hard to live this out. It just is because we're just so self interested. We're just self interested people. I know I am. I mean, I see it like I y', all, I see when my. Give you an example. When my kids, when there's a dessert in our household, they, they, they become feral. It's it's mine. Like you ever seen a, you ever seen a raccoon that's eating trash pizza? You come up on a raccoon eating trash pizza and you try to meet my children with a dessert, it's theirs. Do you know where they got that from? My wife? No, I'm just kidding. They got that from me. One of the most infamous stories in my family is when I was in college, I was home for Thanksgiving, my mom made this chocolate pie and she made it for me to take it to college back for exams. And I had it and my stepdad and my sister saw it and they said, ooh, I want a bite. And I grabbed it and I licked the whole thing. Which in my family was claiming it. I know in your family that might not have stopped anyone, but in my family that stopped everyone because this was mine. And that self interested instinct is all over how we think about riches. It's all over how we think about money. This is what we do, y'. All. That's why when the pandemic hit, what was the first thing to leave the shelves? Toilet paper. That's just everyone's like, gotta get it. I gotta get in my house. It's what we do. This is a human infection that we pass down from generation to generation, from forefathers to their children and grandchildren. This desire for the enrichment and care of self. We have a Bible reading plan that anyone in our church is welcome to go through, but a few of us have gone through over the last few years and I'm in this Bible reading plan the other few weeks ago, and we come up to 1 Timothy, chapter 6. And I'm reading it, and I just. Was just slayed. I read it, and I just want to read. Gets right at the heart of this. It says,> “But godliness with contentment is great gain, for we brought nothing into the world, and we cannot take anything out of the world. But if we have food and clothing, with these we will be content. But those who desire to be rich fall into temptation, into a snare, into many senseless and harmful desires that plunge people into ruin and destruction. For the love of money is a root of all kinds of evils. It is through this craving that some have wandered away from the faith and pierced themselves with many pangs.” (1 Timothy 6:6–10, ESV)Do you hear that? That's a warning. That riches can become your ruin. The desire for them can become a ruin for you. Verse 10. For the love of money is a root of all kinds of evil. It is through this craving that some have wandered away from the faith and have pierced themselves with many pangs. And it's like, I just. I read that. I went, oh, my God, woe is me. If you, if you don't read that and tremble if you don't receive that and go, I. Where. Where have I fallen in love with riches and, and money in a way that is. That is literally risking me walking away from the Lord, then we're. We're not reading it correctly. It's a. It's a real danger. And if you, if you realize the danger of our. Of our. Of our besetting sin in our hearts. It's not enough just to look at the whole Bible and look at all the examples, because those examples, enough, even those commands are not enough for us to take our eyes off of the riches of this present world. We have to get to the heart of why. Why are we commanded to live this out? Why should we do this? And the example that we have of why is found in, in Jesus Christ. When you read 2 Corinthians, chapter 8, it says,> “For you know the grace of our Lord Jesus Christ, that though he was rich, yet for your sake he became poor, so that you by his poverty might become rich.” (2 Corinthians 8:9, ESV)That teaches that Jesus Christ, the second member of the Trinity, left the glory and the comfort and the heaven to become man and dwell among us in poverty. That he left the riches and the comforts of heaven to live a lowly human life in need constantly. And then he goes to the cross where he has nothing. The garments that he has are divided amongst the people below and he's crucified for our self interest and greed and desire for the riches of this present world. And he resurrects to conquer the power of sin so that we might not be slaves to riches, we might be slaves to our desires for this present world, but we might be resurrected in faith to have new eyes and a new heart. That we might see that he is better and that following him and putting all of our hopes in eternity is better than anything this present world could have to offer. And that by the power of the Holy Spirit he might break us of a desire for things that will spoil and fade and fix our eyes on eternity. We read 1 John 4:19 the why is we love because he first loved us.> “We love because he first loved us.” (1 John 4:19, ESV)The only hope we have to grow in being generous people is to look at the example we have in Jesus Christ and put our faith firmly in him as our only hope. That is one and that is the why which shapes our commitment. I will practice and grow in generosity by financially supporting Jesus mission and church in our city and the world. Therefore I will consistently and sacrificially give to Mill City Church of Cayce and to Mill City Church of Cayce family as they may have need. God, who loves us, who came to rescue us, who saves us from our own selfish desires, sets us apart to follow him and calls us to trust him, to yield to him open handedly that he will provide for us and to lift our gaze to the heavens, to store our riches there, where one day we will taste and see of things that we could not passively dream, possibly dream or imagine about. That is what guides us and the hope that we have in this commitment as a church.So if that is why I want to end with how. How do we practically take steps to grow in this? It begins with giving. And one of the things that we say is in the language we have in our commitment is to is to sacrificially give. We use the language of sacrificial giving in our Give series in a few weeks. That's a language that's going to show up. That's a language we've used for years. We do not use the language of tithe. And if you grew up in the church, that's a very common phrase. It shows up all over the Old Testament law. Tithe, that just means a tenth. It goes back to the example of Melchizedek and Abraham. But you read the Old Testament, it says to give a tenth. The New Testament actually doesn't command the tithe. It embodies the heart of generosity from the Old Testament. But the language we see consistently in the New Testament is one of sacrificial giving. Therefore we command from the scriptures. You need to sacrificially give. And I think that's more helpful language than the time I do. I think that calls us to consider what we should give before the Lord in a way that is, that is meaningful. And I think for some whom God has blessed in this church, making money that you never thought you could make, if you say that giving is the tithe, you have limited yourself and you are not actually growing in sacrificial giving. For some of you, the tithe is the floor, it's not the ceiling. And you should be looking for ways to continue to grow in giving. And for others, like that's. If we just use the language of tithe, that's a hard place to get to. If you're not giving anything at all, that's a tough thing to accomplish. We want us to take steps of faithfulness and growing and sacrificial generosity. We do not dictate how much you should give. We do not dictate exactly where you should give. You see, the language that we got here is I will consistently and sacrificially give to Mill City Church of Cayce and Mill City Church of Cayce families. And above it, it says I will financially supporting Jesus mission in the church and the city and the world. So we're not saying that you've got to give all of your money to formally the local church though I would caution, I have heard and seen this over the years that some folks will say, ah, I just, I, no, I'm not, I don't know if I can, I don't know what the church is doing. I want to be able to dictate where my money can go. So I'm going to give to people in my church, I'm going to give people to my community. I'm going to give to orphan care, I'm going to give to missions. But I really, I don't know if I can give formally to the local church. I just, I don't know how. And I just want to caution you, if you have any bit of that zone in your heart, I want you to consider what functionally that means. It means that you do not trust the leadership of this church and work with our boss team, our boss Business Oversight and Sustainability Squad, that's our team that oversees finances in our church. So the elders and our boss team, I don't trust them to be able to give to the local church. And I just want to caution you on that, because I'll be honest, if I was a part of a church and I didn't trust the leadership of that church to handle the finances, I wouldn't be there. I just. I was like, if I can't trust you with money, then I can't trust you, period. And if that's the position of your heart, I want you to evaluate that and I want you to reckon with that argument, because I think you should trust the leadership of this church. You should formally give. You should give in the give boxes, you should give online. You should give to the local church and the ministry efforts entrusting us to figure out what is the best use of how these gifts have been given to use and distribute in a way that accomplishes the purposes of the local church. You should also give to your church family. You should be saving up regularly to give to your church family. You should be looking eager, like that Second Corinthians language. If I'm eager to jump in and give at a moment's notice to someone who is in need, y'. All. One of the benefits I have as a pastor is that I regularly get to see people who are embodying Matthew 6, not being public, letting the left hand know what the right hand is giving. So they come to one of the pastors and say, hey, I just. I want to be able to bless this person. Can you make sure they get this? Can you make sure that this person gets this? I see this all the time. I've lost count of how many cars have been given away in this church, how many washing machines, how many medical bills have been paid off. I've watched people just live it out in beautiful and wonderful ways. We should do that. You should be looking for ways to just bless people in our church who are in need and to see the beauty and the wonder and the glory of just joining in in God's mission and caring for his people, just as they did in Acts Chapter two.And beyond that, we should be eager to give beyond our church, beyond the local mission. That's one of the reasons why we give regularly to 1040 HOPE. 1040 HOPE is the mission organization that Ben Johnson, one of the members of our church, leads. It's on the meets on the third. They have office space on the third floor of our building. And we give to them, and we encourage you to give to them because we want to see the gospel Reach every nation, tribe and tongue and the areas of the world where there are not Christians or anyone that even knows the gospel. We want to be about all of it. So we. That's what. That's what it means to. That's how we should do this. We should give, firstly, meaning of your first fruits. Do not give your leftovers. We should give consistently, which means that some of you should set up regular giving and we should give sacrificially, meaning we should be considerate of giving in a way that we feel it, that it actually is a sacrifice. This is something we should grow in and take steps of faithfulness in. So if you're in a place where you're like, I just, I can't. I just. I literally can't give right now. I want to say very clearly that's a problem. But that's a problem we'd love to help you with. We have a financial care team that will sit down with you, that'll sit with you in your budget, that will help you figure out how you can take steps of faithfulness here. We want to help you to be able to do this. And when I'm coaching people up on this, that's why I think language of tithe can be discouraging at times. Because if you're like, I'm going from 0 to 10, I don't know how I'm going to get there. Just take steps of faithfulness. Start by giving 40 to 50 bucks a month. Do that and commit to it. And you might have to cut things out. But of how much you spend on Starbucks and Amazon prime and Netflix, and if you total all of that up, and that's more than what you give to the mission of God, that's a value statement. That is a problem and it needs to change. So we need to do some soul work in this. And I say, take steps of faithful. So I'm coaching people on this. I'm like, start here. Maybe next year you can carve out 1% of your budget and maybe the following year you can take a step of faith and double it at 2%. And maybe in three years you could double it again and get to 4%. Maybe in four to five years, if you're really figuring this out, you could jump up to eight. Figure this out before the Lord and ask the Lord what he wants you to give. But we can take steps of faithfulness and growing in this. It's worth it for our own souls to not fall in love with the riches of this present world. Some people will Say, like, I don't know if I can get. I don't know when I'm gonna have enough to give. I don't know if I'm gonna get there. And I will say to you very clearly, we have to be trusted with the small things that we're given so we can step into the greater things. The idea that if I make more down the road, I'll be able to give. It's not how we logically work. It's not how the scriptures teach this. We need to be faithful with little so we can later be faithful with much. We need to take steps of faithfulness to grow in this. I was talking with Raz Bradley. Raz, one of our pastors, was in Florida for a conference a few weeks back, and he got to meet a guy and hear his story, and I got to watch this video of this guy's story. But this. This man was. Him and his wife, years ago, were going to be missionaries. They're excited to go on the mission field. And as they're gearing up, ready to go on the mission field, his father sits down with him and his brother and says, hey, I'm retiring. He had a small mom and pop crane company. Because I'm retiring, and it's either y' all are taking this over or it's gonna end. But, like, I mean, we're. And he had a decision to make, and he prayed, do I go on the mission field or do I take over this business and use it for the glory of God and funding missions? And much to his wife's dismay, they didn't go on the mission field. Him and his brother took over this crane company, and they started out from the very beginning. They said, this is what we're going to do. We are not going to build this company for the enrichment of ourselves. We are going to take the profits. So about half invest it back into the company itself, and the other half we're going to give away. We're going to invest in gospel efforts. Now, a normal company, you do the first half, you've got to invest money back into the company, otherwise it won't make it. But the other half is yours. You get to keep the profits. And that's what it means to be a small business owner. And they said, no, we're going to take salaries and we're going to grow this company, and we're going to see the Lord grow this company over the years. We're going to see what he's going to do with this. And they did this for Years and tens of thousands turned into hundreds of thousands of profits, which turned into millions of dollars in profit to this year. They've given away over $70 million this year to mission efforts across the world. And it's like all along the way, it took salaries, they took decent salaries for a long time. He had $100,000 salary. You see the video of his house. It's a normal house. His car, it's an old beater car. And they had their most need. They had, you know, kids are going to college. He had a good salary of $150,000. And then when his kids were done with college, he went back down to $100,000. But they are handling tens of millions of dollars a year. And they're saying, I don't want it. I want to put that in the kingdom of God. And to think if this continues that for years to come, that they might invest a billion dollars into mission efforts across the world. Can you imagine the riches that they are storing up in heaven? What a life to live. What a legacy to leave behind. And y', all, the heart that is bound up in those men and their story is the same heart that is bound up. If you remember the story of Jesus and the widow's mite, the widow who comes to the temple and has only a few pennies to give, and she gives all of it. And Jesus points to her and says, look at it, look at her heart. This is what it means to be generous. And she gives all of it away. That's the same heart that was embodied there. It's the same heart that is bound up in the Christian who is looking at their budget and they're saying, you know what? I want to grow in generosity. I want to give to the church, to orphan care, to missions, which means I might drive the same car for the next 10 years and my co workers might have nicer trucks and nicer cars. But I'm going to take it on the chin here. I'm going to drive this thing until the wheels come off because it matters that I have the margins to give to what God wants us. This is the heart, the same heart that is in that. And that man is the same heart that sent a young Christian who's figuring out money for the first time. And they realize that the normative pattern that we've just accepted, that I just upgrade a phone every two years doesn't have to happen. So I'm holding this phone for three, four and five years so that I can have the ability to give and give generously to others. This is the same heart that's in the Christian right now that's looking at their budget and looking at inflation and going, I don't know how we're going to make ends meet, but I'm not cutting my money to this missionary. I'll cut my Starbucks habit before that happens because it matters to invest in the kingdom of God. That is the heart that shapes this commitment. Let me read it one more time. I will practice and grow in generosity by financially supporting Jesus mission and church in our city and the world. Therefore, I will consistently and sacrificially give to Mill City Church of Cayce and to Mill City Church of Cayce family as they may have need. Let's be a people that forsake the love of money and the love of riches in this present world, that look to Christ as our hope to change us and then take steps of faithfulness to be the generous people that God has called us to be.Let's pray. Heavenly Father, I pray that you might help us submit something that is so dear to our flesh, something that we don't like to talk about, something we don't like anyone else talking to us about. But let's take seriously the teachings about money and riches in this life and let's be a people that embody the heart of generosity that flows throughout the scriptures that you perfectly exampled and that you hold out for us all the way to the new heavens and the new earth. In Jesus name, amen. The band's going to come up. We're going to sing one final song together. I hope as we consider these teachings this week, as they may be difficult for us to receive and even more difficult to live out, that we would seriously consider them, that we would not hear them and discard them, but we would actually let the Holy Spirit, as we sing right now, do some work in our heart that as we leave this place, we would sit quietly before the Lord and ask God, how do you want me to grow? What steps do you want me to take? And if you need pastors or financial care or anyone to help you figure that out, we'd love to sit down and help you do that.

In this episode of It's the Bottom Line That Matters podcast, listeners are taken on a deep exploration of the pivotal question that plagues many business owners—how to effectively balance the dual roles of "working in the business" and "working on the business." The hosts, Jennifer Glass, Daniel McCraine, and Patricia Reszetylo, engage in a robust discussion that grants insight into the complexities of the entrepreneurial journey. They dissect the intricate art of task delegation, emphasizing the critical need for business owners to transition from being indispensable in every operational facet to strategically delegating tasks, allowing them to focus on core business responsibilities. Throughout the episode, the hosts underscore the importance of setting crystal-clear expectations and elucidating key performance indicators (KPIs) when entrusting responsibilities to others. The dialogue delves into practical strategies and real-world examples, arming business owners with the tools needed to navigate the complex landscape of business ownership more effectively. From the intricacies of measuring the success of delegated tasks to the significance of regular communication and feedback in the delegation process, the episode serves as a comprehensive guide for business owners at all stages, offering actionable insights to optimize time and resources while driving business growth. This empowering episode equips entrepreneurs—ranging from solopreneurs to small team leaders— with the knowledge and strategies needed to effectively steer their business towards sustainable success while navigating the delicate balance of hands-on involvement in daily operations and strategic business development. Keywords: business owners, chief cook and bottle washer, operating a business, small business owners, business delegation, virtual assistant, bookkeeping, marketing, accounting, sales, customer relations, solopreneur, business deliverables, KPIs, delegation process, success measurement, business tasks, internal operations, team members, joint venture partner, white label referral, branding, service providers, customer engagement, leadership, business strategy, task prioritization, task delegation, business planning, business decision-making.

If you're feeling overwhelmed by the complexities of tax planning and financial decisions, then you're not alone! Managing your business's tax structure, retirement planning, and investment options can feel like navigating a maze of rules and regulations. David Wilcox sheds some light on how you can take advantage of legal and accounting expertise to make informed decisions and make your money count for taxes and retirement. “You're going to have a lot of tax surprises, operational surprises, things you didn't have to deal with directly as an employee.” -David Wilcox, MBA, CTP, EA Key Takeaways Maximize tax savings and financial growth with optimized tax planning strategies. Ensure legal protection and peace of mind for your business through essential documentation. Discover the best tax classification and entity selection for your business to maximize benefits. Simplify payroll taxes and efficiently manage billing to streamline your business operations. Explore retirement account options and effective tax strategies for long-term financial security. About David Wilcox David Wilcox, MBA, CTP, EA is the Founder of Numbercraft and a skilled tax professional with over 20 years of experience. He is an EA (Enrolled Agent), CTP (Certified Treasury Professional), and Licensed Tax Consultant in Oregon. Beyond the tax, accounting and finance realm, he has years of related IT experience in CRM systems. David also writes and helps others to develop their business ideas through encouraging them and helping them form strategies and identifying potential partners and customers. David obtained his MBA at the University of Barcelona and is completely fluent in Spanish. David also has five years of experience with international and multinational living and is fluent in the unique documentation challenges which this lifestyle entails. David founded Numbercraft to assist small businesses and individuals, harnessing the power of cloud based accounting and CRM systems to create efficiencies and improve data. Find Out More https://numbercraft.tax/ https://www.facebook.com/numberengineer https://twitter.com/numberengineer https://www.linkedin.com/company/numbercraft/ Key Moments 00:00:02 - Introduction to David Wilcox's expertise 00:04:28 - Setting up a Business Entity 00:09:50 - Registering with the IRS 00:11:59 - Importance of Financial Segregation 00:15:06 - Key Considerations for New Business Owners 00:15:29 - Importance of Clear Business Planning 00:19:04 - Difference in Getting Paid 00:23:00 - Deducting Business Expenses 00:27:03 - Cost of Goods Sold and Business Taxes 00:29:27 - Importance of Form W-9 00:30:11 - Tax Structure and Independent Contractors 00:31:43 - 1099 Forms and Tax Deductions 00:35:43 - Employment vs. Contractor Relationships 00:40:30 - Quarterly Tax Filing and Financial Planning 00:43:27 - Payroll Services and Payroll Tax Compliance 00:44:51 - Importance of Payroll Taxes and State Obligations 00:46:06 - Understanding Payroll Tax Liability 00:47:44 - Importance of Outsourcing Billing and Coding 00:50:30 - CEO Mindset and Business Oversight 00:55:38 - Retirement Planning and Tax Benefits for Business Owners 00:59:22 - Traditional vs. Roth IRAs 01:00:53 - Backdoor Roth Contributions 01:02:06 - SEP IRA for Self-Employed 01:04:42 - Business Succession Planning 01:07:17 - Professional Advice and Disclaimers

Let's talk about the real estate market based on our location of San Antonio Texas. Mark JonesFounder of https://reviewmymortgage.com/President | iTHINK Mortgage Top Producing Sr. Loan OfficerNMLS# 513437Get in Touch with Mark.https://ithinkmortgage.comYvonne Godina aka YG Sr. Loan Officer NMLS# 312632Nichole Kelley Loan Officer NMLS# 1630375Mann Mortgage LLC, DBA iTHINK Mortgage15900 La Cantera Pkwy #2630 San Antonio TX 78256NMLS #2550 Alaska (AK2550), Arizona (0907705), California (4130981), Colorado (2550), District of Columbia (MLB2550), Hawaii (HI-2550), Idaho (MBL-437), Maryland (23418), Minnesota (MN-MO-2550), Montana (2550), Nevada (2342), New Mexico (250489), North Carolina (185883), North Dakota (MB101542), Oregon (ML-832), South Dakota (ML.05197), Texas (2550), Utah (7956014), Virginia (MC-6860), Washington (CL-2550), Wisconsin (2550BA), Wyoming (1004).Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act.Texas Complaint and Recovery Fund NoticeMann Mortgage, LLC is not endorsed by, nor acting on behalf of or at the direction of, the U.S. Department of Housing and Urban Development, Federal Housing Administration, the Veterans Administration, the U.S. Department of Agriculture or the Federal Government. All programs are subject to credit and income qualification. This is not a guarantee of financing or a firm offer of credit. Interest rates are not guaranteed and subject to change or become unavailable at time of commitment or closing. 1220 Whitefish Stage, Kalispell, MT 59901iTHINK Mortgage is an Equal Housing Lender

Let's talk about the real estate market based on our location of San Antonio Texas. Mark JonesFounder of https://reviewmymortgage.com/President | iTHINK Mortgage Top Producing Sr. Loan OfficerNMLS# 513437Get in Touch with Mark.https://ithinkmortgage.comJody TrevinoLoan Officer NMLS# 2211449Les Marshall Loan Officer NMLS# 2081243Mann Mortgage LLC, DBA iTHINK Mortgage15900 La Cantera Pkwy #2630 San Antonio TX 78256NMLS #2550 Alaska (AK2550), Arizona (0907705), California (4130981), Colorado (2550), District of Columbia (MLB2550), Hawaii (HI-2550), Idaho (MBL-437), Maryland (23418), Minnesota (MN-MO-2550), Montana (2550), Nevada (2342), New Mexico (250489), North Carolina (185883), North Dakota (MB101542), Oregon (ML-832), South Dakota (ML.05197), Texas (2550), Utah (7956014), Virginia (MC-6860), Washington (CL-2550), Wisconsin (2550BA), Wyoming (1004).Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act.Texas Complaint and Recovery Fund NoticeMann Mortgage, LLC is not endorsed by, nor acting on behalf of or at the direction of, the U.S. Department of Housing and Urban Development, Federal Housing Administration, the Veterans Administration, the U.S. Department of Agriculture or the Federal Government. All programs are subject to credit and income qualification. This is not a guarantee of financing or a firm offer of credit. Interest rates are not guaranteed and subject to change or become unavailable at time of commitment or closing. 1220 Whitefish Stage, Kalispell, MT 59901iTHINK Mortgage is an Equal Housing Lender

Let's talk about the real estate market based on our location of San Antonio Texas. Mark JonesFounder of https://reviewmymortgage.com/President | iTHINK Mortgage Top Producing Sr. Loan OfficerNMLS# 513437Get in Touch with Mark.https://ithinkmortgage.comNichole Kelley Loan Officer NMLS#1630375Xavier Villarreal Loan Officer NMLS# 2217153Mann Mortgage LLC, DBA iTHINK Mortgage15900 La Cantera Pkwy #2630 San Antonio TX 78256NMLS #2550 Alaska (AK2550), Arizona (0907705), California (4130981), Colorado (2550), District of Columbia (MLB2550), Hawaii (HI-2550), Idaho (MBL-437), Maryland (23418), Minnesota (MN-MO-2550), Montana (2550), Nevada (2342), New Mexico (250489), North Carolina (185883), North Dakota (MB101542), Oregon (ML-832), South Dakota (ML.05197), Texas (2550), Utah (7956014), Virginia (MC-6860), Washington (CL-2550), Wisconsin (2550BA), Wyoming (1004).Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act.Texas Complaint and Recovery Fund NoticeMann Mortgage, LLC is not endorsed by, nor acting on behalf of or at the direction of, the U.S. Department of Housing and Urban Development, Federal Housing Administration, the Veterans Administration, the U.S. Department of Agriculture or the Federal Government. All programs are subject to credit and income qualification. This is not a guarantee of financing or a firm offer of credit. Interest rates are not guaranteed and subject to change or become unavailable at time of commitment or closing. 1220 Whitefish Stage, Kalispell, MT 59901iTHINK Mortgage is an Equal Housing Lender

My name is Berj Arakelian, a doting husband and a proud father of two hyper active boys. As well, I am the expert you need to handle all your mortgage affairs smoothly, from start to end while saving you a lot in time, costs, energy and frustrations. My skill as a salesman comes naturally, and I have had a lot of years to hone it to perfection and integrate it into the mortgage industry to become a part of my lifestyle. Consequently, it's easy for me to connect with my clients, and liaise with listing agents and home sellers.Before I got into the mortgage industry, I owned and operated a chain of retail stores generating over $4+ million annually. And in the subsequent years, proceeded to complete over 2,000 financial transactions for families and businesses in the finance, estate and mortgage industry.Today, I operate in San Diego, California with multiple recommendations as a certified Mortgage Planning Specialist and a certified Mortgage executive. As a retail Branch Manager with USA Mortgage, I work with clients to develop financial solutions that they can benefit from, now and in the future. My experience has spanned over an incredible track record, with a specialization on new home purchase, cash-out refinance, high balance and jumbo loans and self-employed borrowers. I am your go-to for all your mortgage-related financial planning. And if you are a first time home buyer, I go all out to ensure you have an awesome first-time experience.I stand out for a lot of reasons, but my clients never get enough of my Premium Buyer package. An opportunity that accords all my clients a competitive edge over their competition, by making them a priority for listing agents and sellers. With me, you accomplish your financial goals and become a home owner in an effortless, stress-free approach.Book a planning session with me today, to get that VIP treatment you deserve.Learn More: https://www.cmgfi.com/mysite/berj-arakelianNMLS ID NUMBER: 1695267 • COMPANY NMLS: 1820 Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act.Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-berj-arakelian-area-sales-manager-with-cmg-home-loans-discussing-unique-loan-options-for-investors

My name is Berj Arakelian, a doting husband and a proud father of two hyper active boys. As well, I am the expert you need to handle all your mortgage affairs smoothly, from start to end while saving you a lot in time, costs, energy and frustrations. My skill as a salesman comes naturally, and I have had a lot of years to hone it to perfection and integrate it into the mortgage industry to become a part of my lifestyle. Consequently, it's easy for me to connect with my clients, and liaise with listing agents and home sellers.Before I got into the mortgage industry, I owned and operated a chain of retail stores generating over $4+ million annually. And in the subsequent years, proceeded to complete over 2,000 financial transactions for families and businesses in the finance, estate and mortgage industry.Today, I operate in San Diego, California with multiple recommendations as a certified Mortgage Planning Specialist and a certified Mortgage executive. As a retail Branch Manager with USA Mortgage, I work with clients to develop financial solutions that they can benefit from, now and in the future. My experience has spanned over an incredible track record, with a specialization on new home purchase, cash-out refinance, high balance and jumbo loans and self-employed borrowers. I am your go-to for all your mortgage-related financial planning. And if you are a first time home buyer, I go all out to ensure you have an awesome first-time experience.I stand out for a lot of reasons, but my clients never get enough of my Premium Buyer package. An opportunity that accords all my clients a competitive edge over their competition, by making them a priority for listing agents and sellers. With me, you accomplish your financial goals and become a home owner in an effortless, stress-free approach.Book a planning session with me today, to get that VIP treatment you deserve.Learn More: https://www.cmgfi.com/mysite/berj-arakelianNMLS ID NUMBER: 1695267 • COMPANY NMLS: 1820 Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act.Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-berj-arakelian-area-sales-manager-with-cmg-home-loans-discussing-unique-loan-options-for-investors

My name is Berj Arakelian, a doting husband and a proud father of two hyper active boys. As well, I am the expert you need to handle all your mortgage affairs smoothly, from start to end while saving you a lot in time, costs, energy and frustrations. My skill as a salesman comes naturally, and I have had a lot of years to hone it to perfection and integrate it into the mortgage industry to become a part of my lifestyle. Consequently, it's easy for me to connect with my clients, and liaise with listing agents and home sellers.Before I got into the mortgage industry, I owned and operated a chain of retail stores generating over $4+ million annually. And in the subsequent years, proceeded to complete over 2,000 financial transactions for families and businesses in the finance, estate and mortgage industry.Today, I operate in San Diego, California with multiple recommendations as a certified Mortgage Planning Specialist and a certified Mortgage executive. As a retail Branch Manager with USA Mortgage, I work with clients to develop financial solutions that they can benefit from, now and in the future. My experience has spanned over an incredible track record, with a specialization on new home purchase, cash-out refinance, high balance and jumbo loans and self-employed borrowers. I am your go-to for all your mortgage-related financial planning. And if you are a first time home buyer, I go all out to ensure you have an awesome first-time experience.I stand out for a lot of reasons, but my clients never get enough of my Premium Buyer package. An opportunity that accords all my clients a competitive edge over their competition, by making them a priority for listing agents and sellers. With me, you accomplish your financial goals and become a home owner in an effortless, stress-free approach.Book a planning session with me today, to get that VIP treatment you deserve.Learn More: https://www.theberj.com NMLS ID NUMBER: 1695267 • COMPANY NMLS: 1820 Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act.Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-berj-arakelian-area-sales-manager-with-cmg-home-loans-discussing-serving-realtor-referral-partners

My name is Berj Arakelian, a doting husband and a proud father of two hyper active boys. As well, I am the expert you need to handle all your mortgage affairs smoothly, from start to end while saving you a lot in time, costs, energy and frustrations. My skill as a salesman comes naturally, and I have had a lot of years to hone it to perfection and integrate it into the mortgage industry to become a part of my lifestyle. Consequently, it's easy for me to connect with my clients, and liaise with listing agents and home sellers.Before I got into the mortgage industry, I owned and operated a chain of retail stores generating over $4+ million annually. And in the subsequent years, proceeded to complete over 2,000 financial transactions for families and businesses in the finance, estate and mortgage industry.Today, I operate in San Diego, California with multiple recommendations as a certified Mortgage Planning Specialist and a certified Mortgage executive. As a retail Branch Manager with USA Mortgage, I work with clients to develop financial solutions that they can benefit from, now and in the future. My experience has spanned over an incredible track record, with a specialization on new home purchase, cash-out refinance, high balance and jumbo loans and self-employed borrowers. I am your go-to for all your mortgage-related financial planning. And if you are a first time home buyer, I go all out to ensure you have an awesome first-time experience.I stand out for a lot of reasons, but my clients never get enough of my Premium Buyer package. An opportunity that accords all my clients a competitive edge over their competition, by making them a priority for listing agents and sellers. With me, you accomplish your financial goals and become a home owner in an effortless, stress-free approach.Book a planning session with me today, to get that VIP treatment you deserve.Learn More: https://www.theberj.com NMLS ID NUMBER: 1695267 • COMPANY NMLS: 1820 Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act.Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-berj-arakelian-area-sales-manager-with-cmg-home-loans-discussing-serving-realtor-referral-partners

My name is Berj Arakelian, a doting husband and a proud father of two hyper active boys. As well, I am the expert you need to handle all your mortgage affairs smoothly, from start to end while saving you a lot in time, costs, energy and frustrations. My skill as a salesman comes naturally, and I have had a lot of years to hone it to perfection and integrate it into the mortgage industry to become a part of my lifestyle. Consequently, it's easy for me to connect with my clients, and liaise with listing agents and home sellers.Before I got into the mortgage industry, I owned and operated a chain of retail stores generating over $4+ million annually. And in the subsequent years, proceeded to complete over 2,000 financial transactions for families and businesses in the finance, estate and mortgage industry.Today, I operate in San Diego, California with multiple recommendations as a certified Mortgage Planning Specialist and a certified Mortgage executive. As a retail Branch Manager with USA Mortgage, I work with clients to develop financial solutions that they can benefit from, now and in the future. My experience has spanned over an incredible track record, with a specialization on new home purchase, cash-out refinance, high balance and jumbo loans and self-employed borrowers. I am your go-to for all your mortgage-related financial planning. And if you are a first time home buyer, I go all out to ensure you have an awesome first-time experience.I stand out for a lot of reasons, but my clients never get enough of my Premium Buyer package. An opportunity that accords all my clients a competitive edge over their competition, by making them a priority for listing agents and sellers. With me, you accomplish your financial goals and become a home owner in an effortless, stress-free approach.Book a planning session with me today, to get that VIP treatment you deserve.Learn More: https://www.cmgfi.com/mysite/berj-arakelian NMLS ID NUMBER: 1695267 • COMPANY NMLS: 1820 Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act.Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-berj-arakelian-area-sales-manager-with-cmg-home-loans

My name is Berj Arakelian, a doting husband and a proud father of two hyper active boys. As well, I am the expert you need to handle all your mortgage affairs smoothly, from start to end while saving you a lot in time, costs, energy and frustrations. My skill as a salesman comes naturally, and I have had a lot of years to hone it to perfection and integrate it into the mortgage industry to become a part of my lifestyle. Consequently, it's easy for me to connect with my clients, and liaise with listing agents and home sellers.Before I got into the mortgage industry, I owned and operated a chain of retail stores generating over $4+ million annually. And in the subsequent years, proceeded to complete over 2,000 financial transactions for families and businesses in the finance, estate and mortgage industry.Today, I operate in San Diego, California with multiple recommendations as a certified Mortgage Planning Specialist and a certified Mortgage executive. As a retail Branch Manager with USA Mortgage, I work with clients to develop financial solutions that they can benefit from, now and in the future. My experience has spanned over an incredible track record, with a specialization on new home purchase, cash-out refinance, high balance and jumbo loans and self-employed borrowers. I am your go-to for all your mortgage-related financial planning. And if you are a first time home buyer, I go all out to ensure you have an awesome first-time experience.I stand out for a lot of reasons, but my clients never get enough of my Premium Buyer package. An opportunity that accords all my clients a competitive edge over their competition, by making them a priority for listing agents and sellers. With me, you accomplish your financial goals and become a home owner in an effortless, stress-free approach.Book a planning session with me today, to get that VIP treatment you deserve.Learn More: https://www.cmgfi.com/mysite/berj-arakelian NMLS ID NUMBER: 1695267 • COMPANY NMLS: 1820 Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act.Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-berj-arakelian-area-sales-manager-with-cmg-home-loans

Intro.(1:18) - Start of interview.(1:51) - Manny's "origin story". He grew up in Oxnard, CA. He went to Cornell University for undergrad and "that's probably the first time he realized that the rest of the world did not look like Oxnard." His foray into film studies, including at Université de la Sorbonne Nouvelle, also known as Paris III.(8:05) - His decision to go to law school.(9:34) - His start with Sonnenschein Nath & Rosenthal's (now Denton's) SF litigation practice. Later, his experience at the California Department of Justice (Consumer Law Section). His time with the Consumer Financial Protection Bureau (he was an enforcement attorney between 2011-2014). That was his first experience "building something."(14:38) - His time with Affirm (31st employee and first attorney). He was there between 2014 and 2019.(15:19) - His decision to leave Affirm to be appointed as the new Commissioner of the California Department of Business Oversight (now Department of Financial Protection and Innovation). The Department oversees the operations of state-licensed financial institutions, including banks, credit unions, money transmitters, issuers of payment instruments and travelers checks, and premium finance companies.(20:30) - His take on "fintech": "A lot of people use this term [fintech] as a noun, but I think of it more as an adjective that describes an ethos that embraces the democratization of financial services." Fintech also encompasses ubiquity ("meeting the customers where they are"), the increased computing decision-making power (larger data-sets), and interoperability.(26:49) - His take on the rise of Buy Now, Pay Later (BNPL). "In the early days of Affirm that term did not even exist, what was used was point of sale."(32:07) - His take on the rise of crypto through a regulatory lens. "Think about functional regulation." e.g. Store of value ≠ money transmission ≠ smart contract features, etc. "It's important to articulate what function you're worried about, define the activity and figure out who has the authority to regulate that specific activity."(37:27) - His take on how some in the private sector have proposed new regulatory frameworks, e.g. Coinbase's "Digital Asset Policy Proposal" or Andreessen Horowitz's "How to Win the Future" housed in their new web3 policy hub: "I think the self-regulatory approach and proposals put forward by private actors is smart and practical." "If for no other reason it forces a conversation between the company and the regulator." "It ought to be adopted by more companies in newly emerging spaces." "It shows a modicum of good faith [and transparency] by companies."(41:39) - On the creation and purpose of UC Hastings Center for Business Law Roundtable on Financial Policy & Regulation.(43:18) - On Board Diversity (California's SB-826, AB-979), Nasdaq Boardroom Diversity Rule.(46:14) - His three favorite books:One Hundred Years of Solitude by Gabriel Garcia Marquez (1967)The Sound and the Fury by William Faulkner (1929)The Invisible Man by Ralph Ellison (1959)(46:47) - His mentors:His mom, who taught him grit.Gary Hernandez, former partner at SNR Denton (formerly Sonnenschein)Paula Boggs, musician and former GC at Starbucks.(49:08) - Quote that he thinks of often, or lives his life by: "I love mankind... it's people I can't stand." (Linus Van Pelt of Peanuts)(49:45) - An unusual or absurd habit that he loves: he wakes up at absurd hours but he relishes those early morning hours.Manny Alvarez is a financial services executive and former regulator committed to increasing access to financial literacy and technology, protecting consumers from harmful practices, and engaging under-served communities. If you like this show, please consider subscribing, leaving a review or sharing this podcast on social media. __ You can follow Evan on social media at:Twitter @evanepsteinLinkedIn https://www.linkedin.com/in/epsteinevan/ Substack https://evanepstein.substack.com/Music/Soundtrack (found via Free Music Archive): Seeing The Future by Dexter Britain is licensed under a Attribution-Noncommercial-Share Alike 3.0 United States License

ABOUT MIKE MAIERMichael Maier a.k.a. “Mike” is a Branch manager at Fairway Independent Mortgage. He is also a local mortgage advisor based in Portland. He is authorized to conduct business in the state of California, Oregon and Washington and licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act. Mike has been in the mortgage industry for 17 years now and he believes that a home is a platform to build a better life. It's a stepping stone to create generational wealth. THIS TOPIC IN A NUTSHELL[01:23] How Mike started in the mortgage industry[04:52] Difference between self-employed vs. person with W2 job[05:30] Income analysis for self-employed [07:32] How to qualify for a loan[09:00] Sample computation for a certain scenario[11:07] Capitalizing and Expensing repair items [12:40] Ways to reduce your qualifying income[16:06] Understanding Cash-out refinance, Loan to Value, and Debt-to-Income ratio[19:46] On getting low-interest rates[22:53] Knowing your long-term goals to the property [25:12] Guidelines to multiple units   [27:38] Owner-occupied vs. Non-occupied properties[29:45] How FHA Financing is used?[30:32] Conventional vs. FHA financing[33:34] Using LLC for a loan[36:01] His advice to 25-year-old self[38:04] First Entrepreneurial endeavor[39:28] Formal and Informal training that shaped his journey[40:45] His biggest mistake and what he learned from it[43:10] Best way to reach out to Mike  KEY QUOTES[07:58] Ultimately, the best strategy is, make sure to talk to a good home loan consultant early. If you're self-employed and a real estate investor, you want to be having these conversations before you're going to file your tax returns. If you know, we're looking at getting you pre-approved to accomplish something, and you're not where you need to be, it's your opportunity to change that equation. I'd say go through that pre-approval process early, let's identify where you need to be from a net income standpoint.  [12:47] In theory, when I'm doing that rental income analysis, as long as we can document that this was a one-time extraordinary expense. I can add that back to the equation. So, you have to keep some good records and some documentation. What my underwriters' need is some ammunition to say that all right, these expenses here were a one-time expense. So, I'd love to see invoices or stuff that you're not replacing every year or every couple of years. You know, presumably, you put a new roof on, that is something that potentially we can add back to your qualifying income. But painting, handyman stuff, appliances, you know, the stuff that you're going to kind of encourage yearly, so we're gonna hit you with it. [25:06] Ultimately, duplexes are going to have different guidelines and rates, and costs compared to single-family residences and triplexes. There's lots of nuance to all those guidelines. But just in general, more units are gonna be more expensive, and you're gonna have more restrictive guidelines. And so those are certain things we want to get out in front of and get out early when you're getting ready to do a project. [36:38] The advice I would give to myself is that I should have jumped to the next step of my career sooner. As I think of each step that I made from a home loan consultant to a branch manager and building a team and all of these steps that ultimately advanced my career, I should have done them sooner. Don't be afraid to take the leap to that next step, have some confidence and go for it. Ultimately, if you take that next step, you're going to learn a lot about that next role and realize that you can do it.  SUMMARY OF BUSINESSFairway Independent Mortgage Corp. - We are dedicated to finding great rates and loan options for our customers while offering some of the fastest turn times in the industry. Our goal is to act as a trusted advisor, providing highly personalized service and helping you through every step of the loan process, from application to closing and beyond. It's all designed to exceed expectations, provide satisfaction and earn trust.  ABOUT THE WESTSIDE INVESTORS NETWORK  The Westside Investors Network, is your community for investing knowledge for growth. For real estate professionals by real estate professionals. This show is focused on the next step in your career... investing, for those starting with nothing to multifamily syndication.  The Westside Investors Network strives to bring knowledge and education to the real estate professional that is seeking to gain more freedom in their life. The host's AJ and Chris Shepard, are committed to sharing the wealth of knowledge that they have gained throughout the years to allow others the opportunity to learn and grow in their investing. They own Uptown Properties, a successful Property Management and Brokerage Company. If you are interested in Property Management in the Portland Metro or Bend Metro Areas, please visit www.uptownpm.com. If you are interested in investing in multifamily syndication, please visit www.uptownsyndication.com.   #investmentproperty #realestate #investment #property #realestateinvesting #realty #propertyinvestment #investing #realestateinvestor #investor #investments #properties #investmentproperties #realestateinvestment #business #REinvesting #beyourownboss #entrepreneur #entrepreneurlife #coaching #motivation #mindset #business #success #homeloan #mortgage #realestate #loan #refinance #finance #homeloans #mortgagebroker #loans #loanofficer #realtor #home #realestateagent #personalloan #firsttimehomebuyer #mortgagelender #mortgages #newhome #investment #lending #lender #creditrepair #homebuying #mortgagerates #mortgageloan #businessloan #property #business #homebuyers     CONNECT WITH MIKE:Phone No:  503-545-9879Email: Mike.Maier@FairwayMC.com Website: https://www.mikemaiermortgage.com/LinkedIn: https://www.linkedin.com/in/mikemaiermortgage/Facebook: https://www.facebook.com/mikemaiermortgageInstagram: https://www.instagram.com/mikemaiermortgage/     CONNECT WITH US  For more information about investing with AJ and Chris: ·       Uptown Syndication | https://www.uptownsyndication.com/  ·       LinkedIn | https://www.linkedin.com/company/71673294/admin/   For information on Portland Property Management:  ·       Uptown Properties | http://www.uptownpm.com ·       Youtube | @UptownProperties    Westside Investors Network  ·       Website | https://www.westsideinvestorsnetwork.com/ ·       Twitter | https://twitter.com/WIN_pdx ·       Instagram | @westsideinvestorsnetwork ·       LinkedIn | https://www.linkedin.com/groups/13949165/ ·       Facebook | @WestsideInvestorsNetwork ·       Youtube | @WestsideInvestorsNetwork                 

Wednesday, July 7th, 2021 - On today's show, Debbie brings in Team Member and Loan Assistant Heidi Slagle-Points once again to talk about the Mortgage/Lending industry. They start off the show with their segment “Catching Up With Mom” where they both reflect on their 4th of July weekend . Heidi then asks the audience and future buyers to not pay off their debt if it's already being included on their loan. This will substantially delay the process due to the tremendous amount of extra paperwork, etc.. This was the first week that Debbie took live calls with questions during the YouTube Live Stream. How do you call us with your questions and get to hear yourself on radio? Text "MOM" to 844-935-3634 to opt in for a reminder text message each week with the link to click when we go live.  Here are some of the topics that came up during our live question and answer session this week: Appraisals - Getting them ordered Turn-around time on applications - How fast can we close? Mortgage insurance (M.I.) Refinancing for cash out to buy an investment property “Intent to Proceed” document. The faster and more efficient the clients are with their documents, the quicker the turn-around time for appraisals and underwriting  They compare FHA Loans versus V.A. Loans and how V.A. Loans are always better to use if you are eligible and your down payment is limited V.A. Loans cannot be used for investment properties, only primary residences Heidi drills down on the benefits of doing a V.A. Cash-Out refinance Debbie explains what a Mixed Use Property is  She also talks with an audience member about their forbearance situation. Heidi chimes in with the benefit of a deferment package     We are LIVE on YouTube every Wednesday . Watch us record our show! Ask us your questions right in the feed or call in and we'll answer them for you LIVE. Make sure to subscribe to our channel and turn on your notifications to know when we get started. or text "MOM" to 844-935-3634 for a weekly reminder link when we get started. Mortgage Mom Radio equips you with all of the mortgage education that you could ask for right at your fingertips! Listen to our Podcast with hours of shows and topics, download our PHONE APP loaded with every mortgage tool that you could need, and last but not least, watch our Homebuyer Workshop Series on YouTube! Mortgage Mom Radio How do you schedule a phone appointment with mom? Call our office, 844-935-3634. Get your free consultation today!  Debbie Marcoux is licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act, NMLS ID 237926, also licensed in AZ-0941504, FL-LO76508, GA-69178, ID-167867, IL-031.0058339, NV-57237, OR, TN-184373, TX, WA-MLO-237926 | Heidi Slagle-Points CA NMLS ID 1666881    

On today's show, Debbie brings in Team Member and Loan Officer Carrie Margulies to talk shop. They start the show off with “Catching Up with Mom” where they chat about last Father's Day weekend, Debbie's Lake Havasu birthday and the big upcoming fireworks concert in Moorpark/Thousand Oaks on July 3rd. Debbie even offers her audience two free tickets for that concert if they download the Mortgage Mom Radio App. Carrie brings up the ongoing theme of clients having cash for a down-payment but not having proof of where it came from. Debbie and Carrie talk about the importance of depositing cash and letting it “season” in order for it to become usable funds. They drill down on how they can work with those amounts of cash by giving scenarios. This leads them to the subject of “Gift of Equity Purchase.” Carrie expands on this subject by giving a current example of one of her loans and the benefits of “gifting.” Debbie expands even more on that topic when she talks about the “Parent to Child” gifting. They also take great questions on the subject of gifting from their audience. Debbie is determined to get a jingle recorded for her new 800 number along with accepting phone calls “live” for her next show. Rates are still phenomenal according to Debbie and Carrie so pulling cash out and doing a refi is beneficial at this time. They talk Escrow, title insurance, cancelling mortgage insurance, paying off student loans, homeowner's insurance, investment properties, closing costs and inherence of property taxes. Debbie states that the goal of her show is to educate her audience with the wisdom her team have already acquired through their many combined years of finance. She says that there is no such thing as a dumb question. Reach out today!   We are LIVE on YouTube every Wednesday at 5 PM. Watch us record our show! Ask us your questions right in the feed, we'll read those and answer them for you. Make sure to subscribe to our channel and turn on your notifications to know when we get started. Mortgage Mom Radio equips you with all of the mortgage education that you could ask for right at your fingertips! Listen to our Podcast with hours of shows and topics, download our PHONE APP loaded with every mortgage tool that you could need, and last but not least, watch our weekly Homebuyer Workshop Series on YouTube! Mortgage Mom Radio How do you schedule a phone appointment with mom? Call our office, 844-935-3634. Get your free consultation today! Do you want our phone app to have the tools you need at your fingertips? Click the link: PHONE APP Debbie Marcoux is licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act, NMLS ID 237926, also licensed in AZ-0941504, FL-LO76508, GA-69178, IL-031.0058339, NV-57237, OR, TN-184373, TX, WA-MLO-237926 | Heidi Slagle-Points CA NMLS ID 1666881

On today's show, Debbie brings in Team Member and Loan Assistant Heidi Slagle-Points to talk shop and other interesting topics. Debbie is excited to finally announce that her 1-800 number is now available, which also accepts texts. They talk about Arizona heat vs. Southern California heat. The conversation leads to how now is the perfect time to get home improvements done. From putting in pools, replacing windows, air conditioning units breaking down, now is a great time to refinance and pull cash out for these repairs because interest rates are still good. They talk credit card debt, lines of credit, blended rates/consolidation, equity loans vs. equity lines and the benefits of canceling mortgage insurance. Debbie and Heidi drill down on FHA's, modifications, conventional and USDA loans. They educate their audience with details of deferment and forbearances and how it all works. She also tells her audience that disclosing forbearance/deferment history is imperative when talking with her team. The Mortgage Mom Radio Team is there to help you every step of the way! Debbie also talks about the efficiency of her new phone App and how interactive it is for her audience. All you have to do is reach out! We are LIVE on YouTube every Wednesday at 5 PM. Watch us record our show! Ask us your questions right in the feed, we'll read those and answer them for you. Make sure to subscribe to our channel and turn on your notifications to know when we get started. Mortgage Mom Radio equips you with all of the mortgage education that you could ask for right at your fingertips! Listen to our Podcast with hours of shows and topics, download our PHONE APP loaded with every mortgage tool that you could need, and last but not least, watch our weekly Homebuyer Workshop Series on YouTube! Mortgage Mom Radio How do you schedule a phone appointment with mom? Call our office, 844-935-3634. Get your free consultation today! Do you want our phone app to have the tools you need at your fingertips? Click the link: PHONE APP Debbie Marcoux is licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act, NMLS ID 237926, also licensed in AZ-0941504, FL-LO76508, GA-69178, IL-031.0058339, NV-57237, OR, TN-184373, TX, WA-MLO-237926 | Heidi Slagle-Points CA NMLS ID 1666881

Wednesday, June 2nd, 2021 - Debbie opens up today's show by bringing in seasoned loan officer Larry Ehrlich AKA the Mortgage Dad to explore various topics. They discuss what was first to crash during 2007, 2008 and 2009 with the correlation of investment properties and second homes. They also point out how current investment properties have quite a bit higher of an interest rate compared to primary residence properties due to lenders protecting themselves from future disasters. Debbie is also determined to do future business with the online gamers out there, especially because she is now officially sponsoring a video game team. Larry gives advice to other loan officers on how important it is to treat their clients like family, especially because of these future clients making the most important choice and investment for their livelihood. Debbie expresses that the goal of her show is to educate loan officers and future buyers. Debbie and Larry both state that walking clients from start to finish is very much an important process, especially when it comes to closing costs, appraisals and home owner's insurance. Larry talks about how canceling PMI insurance can save buyers a substantial amount of money. Debbie points out that she is licensed in California, Arizona, Washington, Nevada, Idaho, Oregon, Texas, Tennessee, Georgia and Florida. She also talks about how she can help with references for clients in other states she is not licensed in. Debbie briefly talks about the importance of being an actual mortgage licensed bank in comparison to the larger conglomerate banks. She also expresses how working with a smaller team of her own is extremely beneficial, especially with clients having access to all of her team members personally. Larry talks about how setting goals to buying a house is very important. He goes into details of how to save money by sacrificing the little things and how it all adds up. Debbie also drives home that same point with other examples. Debbie talks details on MI's (mortgage insurance), FHA and conventional loans and how they work, along with great programs like VA and USDA loans.     Mortgage Mom Radio airs weekly focusing on topics that will educate our listeners around mortgage lending. This week Debbie is joined by returning guest Escrow Officer Jennifer Davidson to continue the 2021 Homebuyers Workshop series by covering what escrow is and important tips to move your loan smoothly through the loan process. We are LIVE on YouTube every Wednesday at 5 PM. Watch us record our show! Ask us your questions right in the feed, we'll read those and answer them for you. Make sure to subscribe to our channel and turn on your notifications to know when we get started. Mortgage Mom Radio equips you with all of the mortgage education that you could ask for right at your fingertips! Listen to our Podcast with hours of shows and topics, download our PHONE APP loaded with every mortgage tool that you could need, and last but not least, watch our weekly Homebuyer Workshop Series on YouTube! Mortgage Mom Radio How do you schedule a phone appointment with mom? Call our office, 844-935-3634. Get your free consultation today! Do you want our phone app to have the tools you need at your fingertips? Click the link: PHONE APP Debbie Marcoux is licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act, NMLS ID 237926, also licensed in AZ-0941504, FL-LO76508, GA-69178, IL-031.0058339, NV-57237, OR, TN-184373, TX, WA-MLO-237926 | Heidi Slagle-Points CA NMLS ID 1666881

Mortgage Mom Radio airs weekly focusing on topics that will educate our listeners around mortgage lending. This week Debbie is joined by returning guest Escrow Officer Jennifer Davidson to continue the 2021 Homebuyers Workshop series by covering what escrow is and important tips to move your loan smoothly through the loan process. We are LIVE on YouTube every Wednesday at 5 PM. Watch us record our show! Ask us your questions right in the feed, we'll read those and answer them for you. Make sure to subscribe to our channel and turn on your notifications to know when we get started. Mortgage Mom Radio equips you with all of the mortgage education that you could ask for right at your fingertips! Listen to our Podcast with hours of shows and topics, download our PHONE APP loaded with every mortgage tool that you could need, and last but not least, watch our weekly Homebuyer Workshop Series on YouTube! Mortgage Mom Radio How do you schedule a phone appointment with mom? Call our office, 844-935-3634. Get your free consultation today! Do you want our phone app to have the tools you need at your fingertips? Click the link: PHONE APP Debbie Marcoux is licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act, NMLS ID 237926, also licensed in AZ-0941504, FL-LO76508, GA-69178, IL-031.0058339, NV-57237, OR, TN-184373, TX, WA-MLO-237926 | Heidi Slagle-Points CA NMLS ID 1666881

Mortgage Mom Radio airs weekly focusing on topics that will educate our listeners around mortgage lending. This week Debbie is joined by newcomer to the Mortgage Mom team, Heather Kilpatrick, to continue the Homebuyer Workshop series by explaining the role of the real estate agent and why it is very important to find the best one for you. We are LIVE on YouTube every Wednesday at 5 PM. Watch us record our show! Ask us your questions right in the feed, we'll read those and answer them for you. Make sure to subscribe to our channel and turn on your notifications to know when we get started. Mortgage Mom Radio equips you with all of the mortgage education that you could ask for right at your fingertips! Listen to our Podcast with hours of shows and topics, download our PHONE APP loaded with every mortgage tool that you could need, and last but not least, watch our weekly Homebuyer Workshop Series on YouTube! Mortgage Mom Radio How do you schedule a phone appointment with mom? Call our office, 844-935-3634. Get your free consultation today! Do you want our phone app to have the tools you need at your fingertips? Click the link: PHONE APP Debbie Marcoux is licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act, NMLS ID 237926, also licensed in AZ-0941504, FL-LO76508, GA-69178, IL-031.0058339, NV-57237, OR, TN-184373, TX, WA-MLO-237926 | Heidi Slagle-Points CA NMLS ID 1666881

Mortgage Mom Radio airs weekly focusing on topics that will educate our listeners around mortgage lending. This week we continue the Homebuyer Workshop series by covering the details of the Bank Statement loan program and more! We are LIVE on YouTube every Wednesday at 5 PM. Watch us record our show! Ask us your questions right in the feed, we'll read those and answer them for you. Make sure to subscribe to our channel and turn on your notifications to know when we get started. Mortgage Mom Radio equips you with all of the mortgage education that you could ask for right at your fingertips! Listen to our Podcast with hours of shows and topics, download our PHONE APP loaded with every mortgage tool that you could need, and last but not least, watch our weekly Homebuyer Workshop Series on YouTube! Mortgage Mom Radio How do you schedule a phone appointment with mom? Call our office, 844-935-3634. Get your free consultation today! Do you want our phone app to have the tools you need at your fingertips? Click the link: PHONE APP Debbie Marcoux is licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act, NMLS ID 237926, also licensed in AZ-0941504, FL-LO76508, GA-69178, IL-031.0058339, NV-57237, OR, TN-184373, TX, WA-MLO-237926 | Heidi Slagle-Points CA NMLS ID 1666881

Mortgage Mom Radio airs weekly focusing on topics that will educate our listeners around mortgage lending. This week we continue the Homebuyer Workshop series by covering the details of the Bank Statement loan program and more! We are LIVE on YouTube every Wednesday at 5 PM. Watch us record our show! Ask us your questions right in the feed, we'll read those and answer them for you. Make sure to subscribe to our channel and turn on your notifications to know when we get started. Mortgage Mom Radio equips you with all of the mortgage education that you could ask for right at your fingertips! Listen to our Podcast with hours of shows and topics, download our PHONE APP loaded with every mortgage tool that you could need, and last but not least, watch our weekly Homebuyer Workshop Series on YouTube! Mortgage Mom Radio How do you schedule a phone appointment with mom? Call our office, 844-935-3634. Get your free consultation today! Do you want our phone app to have the tools you need at your fingertips? Click the link: PHONE APP Debbie Marcoux is licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act, NMLS ID 237926, also licensed in AZ-0941504, FL-LO76508, GA-69178, IL-031.0058339, NV-57237, OR, TN-184373, TX, WA-MLO-237926 | Heidi Slagle-Points CA NMLS ID 1666881

Mortgage Mom Radio airs weekly focusing on topics that will educate our listeners around mortgage lending. This week we continue the Homebuyer Workshop series by covering the details of the USDA loan program. We also discuss fluctuating interest rates, appraisal waivers, and the availability of homes right now. We are LIVE on YouTube every Wednesday at 5 PM. Watch us record our show! Ask us your questions right in the feed, we'll read those and answer them for you. Make sure to subscribe to our channel and turn on your notifications to know when we get started. Mortgage Mom Radio equips you with all of the mortgage education that you could ask for right at your fingertips! Listen to our Podcast with hours of shows and topics, download our PHONE APP loaded with every mortgage tool that you could need, and last but not least, watch our weekly Homebuyer Workshop Series on YouTube! Mortgage Mom Radio How do you schedule a phone appointment with mom? Call our office, 844-935-3634. Get your free consultation today! Do you want our phone app to have the tools you need at your fingertips? Click the link: PHONE APP Debbie Marcoux is licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act, NMLS ID 237926, also licensed in AZ-0941504, FL-LO76508, GA-69178, IL-031.0058339, NV-57237, OR, TN-184373, TX, WA-MLO-237926 | Heidi Slagle-Points CA NMLS ID 1666881

Mortgage Mom Radio airs weekly focusing on topics that will educate our listeners around mortgage lending. This week we broadcast from our new Mortgage Mom Radio studio and discuss the new application form used by all mortgage lenders, forbearance and what to do before pursuing a refinance, and tips you can use to help make the mortgage process smoother and easier for everyone. And, as always, we answer your questions submitted in the comment feeds on YouTube, Facebook, and Twitch! Tickets for the Walking Phoenix’s virtual concert benefiting the Pacific Mesothelioma Center can be found here: https://walkingphoenixes.veeps.com/stream/schedule Find Drew’s music at https://irishcowgirlmusic.com/ We are LIVE on YouTube every Wednesday at 5 PM. Watch us record our show! Ask us your questions right in the feed, we'll read those and answer them for you. Make sure to subscribe to our channel and turn on your notifications to know when we get started. Mortgage Mom Radio equips you with all of the mortgage education that you could ask for right at your fingertips! Listen to our Podcast with hours of shows and topics, download our PHONE APP loaded with every mortgage tool that you could need, and last but not least, watch our weekly Homebuyer Workshop Series on YouTube! Mortgage Mom Radio How do you schedule a phone appointment with mom? Call our office, 844-935-3634. Get your free consultation today! Do you want our phone app to have the tools you need at your fingertips? Click the link: PHONE APP Debbie Marcoux is licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act, NMLS ID 237926, also licensed in AZ-0941504, FL-LO76508, GA-69178, IL-031.0058339, NV-57237, OR, TN-184373, TX, WA-MLO-237926 | Heidi Slagle-Points CA NMLS ID 1666881

Mortgage Mom Radio airs weekly focusing on topics that will educate our listeners around mortgage lending. This week we continue the Homebuyers Workshop 2021 series by covering the details of the jumbo loan program. And as always, we answer your questions submitted in the comment feeds on YouTube, Facebook, and Twitch!   We are LIVE on YouTube every Wednesday at 5 PM. Watch us record our show! Ask us your questions right in the feed, we'll read those and answer them for you. Make sure to subscribe to our channel and turn on your notifications to know when we get started. Mortgage Mom Radio equips you with all of the mortgage education that you could ask for right at your fingertips! Listen to our Podcast with hours of shows and topics, download our PHONE APP loaded with every mortgage tool that you could need, and last but not least, watch our weekly Homebuyer Workshop Series on YouTube! Mortgage Mom Radio How do you schedule a phone appointment with mom? Call our office, 844-935-3634. Get your free consultation today! Do you want our phone app to have the tools you need at your fingertips? Click the link: PHONE APP Debbie Marcoux is licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act, NMLS ID 237926, also licensed in AZ-0941504, FL-LO76508, GA-69178, IL-031.0058339, NV-57237, OR, TN-184373, TX, WA-MLO-237926 | Heidi Slagle-Points CA NMLS ID 1666881

Mortgage Mom Radio airs weekly focusing on topics that will educate our listeners around mortgage lending. This week we talk about rising interest rates and what this means for your home purchase or refinance.   We are LIVE on YouTube every Wednesday at 5 PM. Watch us record our show! Ask us your questions right in the feed, we'll read those and answer them for you. Make sure to subscribe to our channel and turn on your notifications to know when we get started. Mortgage Mom Radio equips you with all of the mortgage education that you could ask for right at your fingertips! Listen to our Podcast with hours of shows and topics, download our PHONE APP loaded with every mortgage tool that you could need, and last but not least, watch our weekly Homebuyer Workshop Series on YouTube! Mortgage Mom Radio How do you schedule a phone appointment with mom? Call our office, 844-935-3634. Get your free consultation today! Do you want our phone app to have the tools you need at your fingertips? Click the link: PHONE APP Debbie Marcoux is licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act, NMLS ID 237926, also licensed in AZ-0941504, FL-LO76508, GA-69178, IL-031.0058339, NV-57237, OR, TN-184373, TX, WA-MLO-237926 | Heidi Slagle-Points CA NMLS ID 1666881

Tickets for the Walking Phoenix's virtual concert can be found here: https://walkingphoenixes.veeps.com/stream/schedule Find Drew's music at https://irishcowgirlmusic.com/ This week we take a break from discussing mortgages and the homebuyer workshop to bring in the voice of the Mortgage Mom jingle, Drew Young of the Walking Phoenixes to speak about his upcoming benefit virtual concert to raise awareness for those suffering from mesothelioma. He speaks about why raising awareness is important to him and what we can do to help. As an added bonus, you get to hear a live acoustic version of the Mortgage Mom Radio jingle and a sample of a couple songs we will hear in his upcoming virtual concert!   We are LIVE on YouTube every Wednesday at 5 PM. Watch us record our show! Ask us your questions right in the feed, we'll read those and answer them for you. Make sure to subscribe to our channel and turn on your notifications to know when we get started. Mortgage Mom Radio equips you with all of the mortgage education that you could ask for right at your fingertips! Listen to our Podcast with hours of shows and topics, download our PHONE APP loaded with every mortgage tool that you could need, and last but not least, watch our weekly Homebuyer Workshop Series on YouTube! Mortgage Mom Radio How do you schedule a phone appointment with mom? Call our office, 844-935-3634. Get your free consultation today! Do you want our phone app to have the tools you need at your fingertips? Click the link: PHONE APP Debbie Marcoux is licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act, NMLS ID 237926, also licensed in AZ-0941504, FL-LO76508, GA-69178, IL-031.0058339, NV-57237, OR, TN-184373, TX, WA-MLO-237926 | Heidi Slagle-Points CA NMLS ID 1666881

Mortgage Mom Radio airs weekly focusing on topics that will educate our listeners around mortgage lending. This week we continue the Homebuyers Workshop 2021 series by covering the details of the conventional loan program. And as always, we answer your questions submitted in the comment feeds on YouTube, Facebook, and Twitch! Don't forget to keep watching past the hour mark for another segment of Mortgage Mom After Dark! We are LIVE on YouTube every Wednesday at 5 PM. Watch us record our show! Ask us your questions right in the feed, we'll read those and answer them for you. Make sure to subscribe to our channel and turn on your notifications to know when we get started. Mortgage Mom Radio equips you with all of the mortgage education that you could ask for right at your fingertips! Listen to our Podcast with hours of shows and topics, download our PHONE APP loaded with every mortgage tool that you could need, and last but not least, watch our weekly Homebuyer Workshop Series on YouTube! Mortgage Mom Radio How do you schedule a phone appointment with mom? Call our office, 844-935-3634. Get your free consultation today! Do you want our phone app to have the tools you need at your fingertips? Click the link: PHONE APP Debbie Marcoux is licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act, NMLS ID 237926, also licensed in AZ-0941504, FL-LO76508, GA-69178, IL-031.0058339, NV-57237, OR, TN-184373, TX, WA-MLO-237926 | Heidi Slagle-Points CA NMLS ID 1666881

Mortgage Mom Radio airs weekly focusing on topics that will educate our listeners around mortgage lending. This week we continue the Homebuyers Workshop 2021 series by covering the details of the FHA loan program including down payments, leniency on things like bankruptcies and foreclosures, debt to income ratios, lower rates and more! And as always, we answer your questions submitted in the comment feeds on YouTube and Facebook! We are LIVE on YouTube every Wednesday at 5 PM. Watch us record our show! Ask us your questions right in the feed, we'll read those and answer them for you. Make sure to subscribe to our channel and turn on your notifications to know when we get started. Mortgage Mom Radio equips you with all of the mortgage education that you could ask for right at your fingertips! Listen to our Podcast with hours of shows and topics, download our PHONE APP loaded with every mortgage tool that you could need, and last but not least, watch our weekly Homebuyer Workshop Series on YouTube! Mortgage Mom Radio How do you schedule a phone appointment with mom? Call our office, 844-935-3634. Get your free consultation today! Do you want our phone app to have the tools you need at your fingertips? Click the link: PHONE APP Debbie Marcoux is licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act, NMLS ID 237926, also licensed in AZ-0941504, FL-LO76508, GA-69178, IL-031.0058339, NV-57237, OR, TN-184373, TX, WA-MLO-237926 | Heidi Slagle-Points CA NMLS ID 1666881

Mortgage Mom Radio airs weekly focusing on topics that will educate our listeners around mortgage lending. This week we continue the Homebuyers Workshop 2021 series by covering the details of the VA loan program including requirements and benefits.  Afterwards we answer your questions that were left in the comments and stay tuned past the 1 hour mark for some Mortgage Mom After Dark bonus content! We are LIVE on YouTube every Wednesday at 5 PM. Watch us record our show! Ask us your questions right in the feed, we'll read those and answer them for you. Make sure to subscribe to our channel and turn on your notifications to know when we get started. Mortgage Mom Radio equips you with all of the mortgage education that you could ask for right at your fingertips! Listen to our Podcast with hours of shows and topics, download our PHONE APP loaded with every mortgage tool that you could need, and last but not least, watch our weekly Homebuyer Workshop Series on YouTube! Mortgage Mom Radio How do you schedule a phone appointment with mom? Call our office, 844-935-3634. Get your free consultation today! Do you want our phone app to have the tools you need at your fingertips? Click the link: PHONE APP Debbie Marcoux is licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act, NMLS ID 237926, also licensed in AZ-0941504, FL-LO76508, GA-69178, IL-031.0058339, NV-57237, OR, TN-184373, TX, WA-MLO-237926 | Heidi Slagle-Points CA NMLS ID 1666881

Mortgage Mom Radio airs weekly focusing on topics that will educate our listeners around mortgage lending. This week we continue the Homebuyers Workshop 2021 series by covering the the many benefits along with the responsibilities of homeownership.  Afterwards we answer your questions that were left in the comments and stay tuned past the 1 hour mark for bonus content! A Look Into the Markets "But if you try sometimes, well, you might find, you get what you need" ... You Can't Always Get What You Want -- The Rolling Stones. "Don't Fight the Fed" The Federal Reserve has been very clear on their communications over the past 18 months. They want to see inflation run hotter before even thinking about raising interest rates. And when we say interest rates, the only interest rates the Fed can control are short-term interest rates, by hiking or cutting the Fed Funds Rate. Long-term rates, like mortgages, are driven by the financial markets and inflation expectations. Yes, the Fed is buying bonds to manipulate long-term rates -- more on that below. If inflation is rising, it puts upward pressure on long-term rates, which is exactly what has happened over the last two weeks as inflation expectations rose to the highest level in two years and the 10-year yield spiked to 1.19%, the highest level since last March. The Quandary? More stimulus is on the way. The incoming Biden administration has put forth a plan to spend trillions of dollars to help revive and stimulate the economy, and this is a major reason why inflation expectations, real asset, and commodity prices are rising, thereby causing the spike to be higher in long-term rates. The incoming huge stimulus and rising inflation expectations would normally give the Fed reason to stop buying bonds every month. Remember, the Fed is currently purchasing at least $120B in Treasurys and mortgage-backed securities (MBS) each month to artificially help keep long-term rates relatively low. So, with inflation rising, does the Fed stop buying bonds and let market conditions dictate the real pricing of interest rates? Not any time soon. And while some Fed members were out talking about "tapering" purchases, Fed Chair Powell spoke on Thursday and told the markets they will continue the present bond buying program. This means we may see a continued uptick in inflation expectations, and the Fed may be pressured to do even more, like buy additional bonds to help keep long-term rates low. Bottom line: With only a couple weeks into 2021, we are already seeing a shift towards slightly higher rates. If you or someone you know would like to talk about the incredible opportunity, please contact me. Looking Ahead Next week the economic calendar is light, but corporate earnings season will be in full swing. This means we will hear what corporations are thinking about current and future conditions. If stocks move higher on the notion of better days ahead, rates may follow suit. The opposite is true. We are LIVE on YouTube every Wednesday at 5 PM. Watch us record our show! Ask us your questions right in the feed, we'll read those and answer them for you. Make sure to subscribe to our channel and turn on your notifications to know when we get started. Mortgage Mom Radio equips you with all of the mortgage education that you could ask for right at your fingertips! Listen to our Podcast with hours of shows and topics, download our PHONE APP loaded with every mortgage tool that you could need, and last but not least, watch our weekly Homebuyer Workshop Series on YouTube! Mortgage Mom Radio How do you schedule a phone appointment with mom? Call our office, 844-935-3634. Get your free consultation today! Do you want our phone app to have the tools you need at your fingertips? Click the link: PHONE APP Debbie Marcoux is licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act, NMLS ID 237926, also licensed in AZ-0941504,

Mortgage Mom Radio airs weekly focusing on topics that will educate our listeners around mortgage lending. This week is the last show of 2020 and we bring on Heidi, Carrie, Matthew, and Manny to take a look back at the ups and downs of the 2020 mortgage roller coaster.  We share some memories and stories of the difficulties of life in these unprecedented times all while answering your questions in the comments throughout the show. Thank you for being a listener and enjoy the holidays over the next couple weeks!  Stay safe and we'll see you in 2021! We are LIVE on YouTube every Wednesday at 5 PM. Watch us record our show! Ask us your questions right in the feed, we'll read those and answer them for you. Make sure to subscribe to our channel and turn on your notifications to know when we get started. Mortgage Mom Radio equips you with all of the mortgage education that you could ask for right at your fingertips! Listen to our Podcast with hours of shows and topics, download our PHONE APP loaded with every mortgage tool that you could need, and last but not least, watch our weekly Homebuyer Workshop Series on YouTube! Mortgage Mom Radio How do you schedule a phone appointment with mom? Call our office, 844-935-3634. Get your free consultation today! Do you want our phone app to have the tools you need at your fingertips? Click the link: PHONE APP Debbie Marcoux is licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act, NMLS ID 237926, also licensed in AZ-0941504, FL-LO76508, GA-69178, IL-031.0058339, NV-57237, OR, TN-184373, TX, WA-MLO-237926 | Heidi Slagle-Points CA NMLS ID 1666881

The California Department of Financial Protection and Innovation (fka Department of Business Oversight) is one step closer to issuing final regulations that would impose new early disclosure requirements on covered commercial lenders that are CFL licensed or subject to CFL licensing. Join us as Melissa Richards discusses understanding the proposed rule provisions, and how your company can be ready for the final California commercial loan disclosure rules, transitioning of all CFL licensees and new applications onto the Nationwide Mortgage Licensing System online platform, and new license requirements for consumer debt collectors under SB908 starting January 1, 2022.Disclaimer: This communication is not intended to create or constitute, nor does it create or constitute, an attorney-client or any other legal relationship. No statement in this communication constitutes legal advice nor should any communication herein be construed, relied upon, or interpreted as legal advice. This communication is for general information purposes only regarding recent legal developments of interest, and is not a substitute for legal counsel on any subject matter. No listener should act or refrain from acting on the basis of any information included herein without seeking appropriate legal advice on the particular facts and circumstances affecting that listener. For more information, visit www.buchalter.com

Mortgage Mom Radio airs weekly focusing on topics that will educate our listeners around mortgage lending. Larry Ehrlich joins us this week to discuss upcoming changes to loan limits coming in 2021 and what that means for you and your purchasing options. We also answer your questions submitted in the comments during the live broadcast. We are LIVE on YouTube every Wednesday at 5 PM. Watch us record our show! Ask us your questions right in the feed, we'll read those and answer them for you. Make sure to subscribe to our channel and turn on your notifications to know when we get started. Mortgage Mom Radio equips you with all of the mortgage education that you could ask for right at your fingertips! Listen to our Podcast with hours of shows and topics, download our PHONE APP loaded with every mortgage tool that you could need, and last but not least, watch our weekly Homebuyer Workshop Series on YouTube! Mortgage Mom Radio How do you schedule a phone appointment with mom? Call our office, 844-935-3634. Get your free consultation today! Do you want our phone app to have the tools you need at your fingertips? Click the link: PHONE APP Debbie Marcoux is licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act, NMLS ID 237926, also licensed in AZ-0941504, GA-69178, IL-031.0058339, NV-57237, OR, TN-184373, TX, WA-MLO-237926 | Heidi Slagle-Points CA NMLS ID 1666881

Mortgage Mom Radio airs weekly focusing on topics that will educate our listeners around mortgage lending. Cameron Robinson of RR Appraisals joins us this week to educate us on the appraisal process, what you need to know about it, and things to look out for when working with appraisers. We are LIVE on YouTube every Wednesday at 5 PM. Watch us record our show! Ask us your questions right in the feed, we'll read those and answer them for you. Make sure to subscribe to our channel and turn on your notifications to know when we get started. Mortgage Mom Radio equips you with all of the mortgage education that you could ask for right at your fingertips! Listen to our Podcast with hours of shows and topics, download our PHONE APP loaded with every mortgage tool that you could need, and last but not least, watch our weekly Homebuyer Workshop Series on YouTube! Mortgage Mom Radio How do you schedule a phone appointment with mom? Call our office, 844-935-3634. Get your free consultation today! Do you want our phone app to have the tools you need at your fingertips? Click the link: PHONE APP Debbie Marcoux is licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act, NMLS ID 237926, also licensed in AZ-0941504, GA-69178, IL-031.0058339, NV-57237, OR, TN-184373, TX, WA-MLO-237926 | Heidi Slagle-Points CA NMLS ID 1666881

Today's show was recorded on Veterans Day and we would like to take a moment to thank everyone that has or is currently serving in all branches of our Military. We also experienced some technical difficulties as we learned YouTube was down at the time we went live so we apologize for the cuts early in the episode. Mortgage Mom Radio airs weekly focusing on topics that will educate our listeners around mortgage lending.  Today we spoke about some ways to help budget your holiday season to relieve some of the financial strain caused by over-extending during the holidays, the importance of setting up a trust, and an extended Catching Up With Mom segment. We are LIVE on YouTube every Wednesday at 5 PM. Watch us record our show! Ask us your questions right in the feed, we'll read those and answer them for you. Make sure to subscribe to our channel and turn on your notifications to know when we get started. Mortgage Mom Radio equips you with all of the mortgage education that you could ask for right at your fingertips! Listen to our Podcast with hours of shows and topics, download our PHONE APP loaded with every mortgage tool that you could need, and last but not least, watch our weekly Homebuyer Workshop Series on YouTube! Mortgage Mom Radio How do you schedule a phone appointment with mom? Call our office, 844-935-3634. Get your free consultation today! Do you want our phone app to have the tools you need at your fingertips? Click the link: PHONE APP Debbie Marcoux is licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act, NMLS ID 237926, also licensed in AZ-0941504, GA-69178, IL-031.0058339, NV-57237, OR, TN-184373, TX, WA-MLO-237926 | Heidi Slagle-Points CA NMLS ID 1666881

Mortgage Mom Radio airs weekly focusing on topics that will educate our listeners around mortgage lending. George Hartmann from creditrepairin30.com joins us this week to talk about credit repair. He gives us a little background on his history in credit repair and shares valuable knowledge and tips on the effect of revolving balances, late payments, identity theft, and how to stay on top of your credit score. We also stick around past the one hour mark for our first installment of our bonus segment, "Mortgage Mom After Dark" that you won't hear on the radio! We are LIVE on YouTube every Wednesday at 5 PM. Watch us record our show! Ask us your questions right in the feed, we'll read those and answer them for you. Make sure to subscribe to our channel and turn on your notifications to know when we get started. Mortgage Mom Radio equips you with all of the mortgage education that you could ask for right at your fingertips! Listen to our Podcast with hours of shows and topics, download our PHONE APP loaded with every mortgage tool that you could need, and last but not least, watch our weekly Homebuyer Workshop Series on YouTube! Mortgage Mom Radio How do you schedule a phone appointment with mom? Call our office, 844-935-3634. Get your free consultation today! Do you want our phone app to have the tools you need at your fingertips? Click the link: PHONE APP Debbie Marcoux is licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act, NMLS ID 237926, also licensed in AZ-0941504, GA-69178, IL-031.0058339, NV-57237, OR, TN-184373, TX, WA-MLO-237926 | Heidi Slagle-Points CA NMLS ID 1666881

Mortgage Mom Radio airs weekly focusing on topics that will educate our listeners around mortgage lending. Escrow Officer Jennifer Davidson joins us this week to explain what escrow is, why it is necessary, how they protect clients on both sides of the transaction, conflict resolution between parties in a transaction, the other responsibilities of your Escrow Officer, and tips to keep your loan moving smoothly through the loan approval process. We are LIVE on YouTube every Wednesday at 5 PM. Watch us record our show! Ask us your questions right in the feed, we'll read those and answer them for you. Make sure to subscribe to our channel and turn on your notifications to know when we get started. Mortgage Mom Radio equips you with all of the mortgage education that you could ask for right at your fingertips! Listen to our Podcast with hours of shows and topics, download our PHONE APP loaded with every mortgage tool that you could need, and last but not least, watch our weekly Homebuyer Workshop Series on YouTube! Mortgage Mom Radio How do you schedule a phone appointment with mom? Call our office, 844-935-3634. Get your free consultation today! Do you want our phone app to have the tools you need at your fingertips? Click the link: PHONE APP Debbie Marcoux is licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act, NMLS ID 237926, also licensed in AZ-0941504, GA-69178, IL-031.0058339, NV-57237, OR, TN-184373, TX, WA-MLO-237926 | Heidi Slagle-Points CA NMLS ID 1666881

Mortgage Mom Radio airs weekly focusing on topics that will educate our listeners around mortgage lending. Chief Title Officer Joe Pena joins the show this week to educate our listeners on what exactly Title Insurance is, why we need it, and what it means to lenders and to you, the buyer. We are LIVE on YouTube every Wednesday at 5 PM. Watch us record our show! Ask us your questions right in the feed, we'll read those and answer them for you. Make sure to subscribe to our channel and turn on your notifications to know when we get started. Mortgage Mom Radio equips you with all of the mortgage education that you could ask for right at your fingertips! Listen to our Podcast with hours of shows and topics, download our PHONE APP loaded with every mortgage tool that you could need, and last but not least, watch our weekly Homebuyer Workshop Series on YouTube! Mortgage Mom Radio How do you schedule a phone appointment with mom? Call our office, 844-935-3634. Get your free consultation today! Do you want our phone app to have the tools you need at your fingertips? Click the link: PHONE APP Debbie Marcoux is licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act, NMLS ID 237926, also licensed in AZ-0941504, GA-69178, IL-031.0058339, NV-57237, OR, TN-184373, TX, WA-MLO-237926 | Heidi Slagle-Points CA NMLS ID 1666881

Mortgage Mom Radio airs weekly focusing on topics that will educate our listeners around mortgage lending. Underwriter Jon Olkoski joins the show this week to educate our listeners on what goes on behind the scenes of your loan when it goes to underwriting for approval. We are LIVE on YouTube every Wednesday at 5 PM. Watch us record our show! Ask us your questions right in the feed, we'll read those and answer them for you. Make sure to subscribe to our channel and turn on your notifications to know when we get started. Mortgage Mom Radio equips you with all of the mortgage education that you could ask for right at your fingertips! Listen to our Podcast with hours of shows and topics, download our PHONE APP loaded with every mortgage tool that you could need, and last but not least, watch our weekly Homebuyer Workshop Series on YouTube! Mortgage Mom Radio How do you schedule a phone appointment with mom? Call our office, 844-935-3634. Get your free consultation today! Do you want our phone app to have the tools you need at your fingertips? Click the link: PHONE APP Debbie Marcoux is licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act, NMLS ID 237926, also licensed in AZ-0941504, GA-69178, IL-031.0058339, NV-57237, OR, TN-184373, TX, WA-MLO-237926 | Heidi Slagle-Points CA NMLS ID 1666881

Mortgage Mom Radio airs weekly focusing on topics that will educate our listeners around mortgage lending. Today we had Real Estate Broker Danielle Whitney Moore on the show to answer questions and give expert advice for working with Real Estate agents. We are LIVE on YouTube every Wednesday at 5 PM. Watch us record our show! Ask us your questions right in the feed, we'll read those and answer them for you. Make sure to subscribe to our channel and turn on your notifications to know when we get started. Mortgage Mom Radio equips you with all of the mortgage education that you could ask for right at your fingertips! Listen to our Podcast with hours of shows and topics, download our PHONE APP loaded with every mortgage tool that you could need, and last but not least, watch our weekly Homebuyer Workshop Series on YouTube! Mortgage Mom Radio How do you schedule a phone appointment with mom? Call our office, 844-935-3634. Get your free consultation today! Do you want our phone app to have the tools you need at your fingertips? Click the link: PHONE APP Debbie Marcoux is licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act, NMLS ID 237926, also licensed in AZ-0941504, GA-69178, IL-031.0058339, NV-57237, OR, TN-184373, TX, WA-MLO-237926 | Heidi Slagle-Points CA NMLS ID 1666881

Mortgage Mom Radio airs weekly focusing on topics that will educate our listeners around mortgage lending. Today we discussed what to consider when choosing between VA and Conventional loans and why the best choice is not always the same for everyone. We also gave some advice and tips you should know while shopping around different lenders. We are LIVE on YouTube every Wednesday at 5 PM. Watch us record our show! Ask us your questions right in the feed, we'll read those and answer them for you. Make sure to subscribe to our channel and turn on your notifications to know when we get started. Mortgage Mom Radio equips you with all of the mortgage education that you could ask for right at your fingertips! Listen to our Podcast with hours of shows and topics, download our PHONE APP loaded with every mortgage tool that you could need, and last but not least, watch our weekly Homebuyer Workshop Series on YouTube! Mortgage Mom Radio How do you schedule a phone appointment with mom? Call our office, 844-935-3634. Get your free consultation today! Do you want our phone app to have the tools you need at your fingertips? Click the link: PHONE APP Debbie Marcoux is licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act, NMLS ID 237926, also licensed in AZ-0941504, GA-69178, IL-031.0058339, NV-57237, OR, TN-184373, TX, WA-MLO-237926 | Heidi Slagle-Points CA NMLS ID 1666881

Mortgage Mom Radio airs weekly focusing on topics that will educate our listeners around mortgage lending. Today we gave some advice and education on the subject of Debt Consolidation. We also responded to real emails from people looking for a mortgage. We are LIVE on YouTube every Wednesday at 5 PM. Watch us record our show! Ask us your questions right in the feed, we'll read those and answer them for you. Make sure to subscribe to our channel and turn on your notifications to know when we get started. Mortgage Mom Radio equips you with all of the mortgage education that you could ask for right at your fingertips! Listen to our Podcast with hours of shows and topics, download our PHONE APP loaded with every mortgage tool that you could need, and last but not least, watch our weekly Homebuyer Workshop Series on YouTube! Mortgage Mom Radio How do you schedule a phone appointment with mom? Call our office, 844-935-3634. Get your free consultation today! Do you want our phone app to have the tools you need at your fingertips? Click the link: PHONE APP Debbie Marcoux is licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act, NMLS ID 237926, also licensed in AZ-0941504, GA-69178, IL-031.0058339, NV-57237, OR, TN-184373, TX, WA-MLO-237926 | Heidi Slagle-Points CA NMLS ID 1666881

Mortgage Mom Radio airs weekly focusing on topics that will educate our listeners around mortgage lending. Today we gave some advice and education for first-time buyers and give some real-life examples of difficult mortgage decisions. We are LIVE on YouTube every Wednesday at 5 PM. Watch us record our show! Ask us your questions right in the feed, we'll read those and answer them for you. Make sure to subscribe to our channel and turn on your notifications to know when we get started. Mortgage Mom Radio equips you with all of the mortgage education that you could ask for right at your fingertips! Listen to our Podcast with hours of shows and topics, download our PHONE APP loaded with every mortgage tool that you could need, and last but not least, watch our weekly Homebuyer Workshop Series on YouTube! Mortgage Mom Radio How do you schedule a phone appointment with mom? Call our office, 844-935-3634. Get your free consultation today! Do you want our phone app to have the tools you need at your fingertips? Click the link: PHONE APP Debbie Marcoux is licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act, NMLS ID 237926, also licensed in AZ-0941504, GA-69178, IL-031.0058339, NV-57237, OR, TN-184373, TX, WA-MLO-237926 | Heidi Slagle-Points CA NMLS ID 1666881

Mortgage Mom Radio airs weekly focusing on topics that will educate our listeners around mortgage lending. Today we are finally back in studio after 30 days of working on the road!  Come check in and catch up with Mom in this week's show. We are LIVE on YouTube every Wednesday at 5 PM. Watch us record our show! Ask us your questions right in the feed, we'll read those and answer them for you. Make sure to subscribe to our channel and turn on your notifications to know when we get started. Mortgage Mom Radio equips you with all of the mortgage education that you could ask for right at your fingertips! Listen to our Podcast with hours of shows and topics, download our PHONE APP loaded with every mortgage tool that you could need, and last but not least, watch our weekly Homebuyer Workshop Series on YouTube! Mortgage Mom Radio How do you schedule a phone appointment with mom? Call our office, 844-935-3634. Get your free consultation today! Do you want our phone app to have the tools you need at your fingertips? Click the link: PHONE APP Debbie Marcoux is licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act, NMLS ID 237926, also licensed in AZ-0941504, GA-69178, IL-031.0058339, NV-57237, OR, TN-184373, TX, WA-MLO-237926 | Heidi Slagle-Points CA NMLS ID 1666881

Mortgage Mom Radio airs weekly focusing on topics that will educate our listeners around mortgage lending. Today we returned from a two week break with an exciting show featuring Larry and Carrie! After catching up on everything that has happened over the last two weeks, we discussed why refinancing is right for some and not for others as well as changes coming from Fannie Mae. We are LIVE on YouTube every Wednesday at 5 PM. Watch us record our show! Ask us your questions right in the feed, we'll read those and answer them for you. Make sure to subscribe to our channel and turn on your notifications to know when we get started. Mortgage Mom Radio equips you with all of the mortgage education that you could ask for right at your fingertips! Listen to our Podcast with hours of shows and topics, download our PHONE APP loaded with every mortgage tool that you could need, and last but not least, watch our weekly Homebuyer Workshop Series on YouTube! Mortgage Mom Radio How do you schedule a phone appointment with mom? Call our office, 844-935-3634. Get your free consultation today! Do you want our phone app to have the tools you need at your fingertips? Click the link: PHONE APP Debbie Marcoux is licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act, NMLS ID 237926, also licensed in AZ-0941504, GA-69178, IL-031.0058339, NV-57237, OR, TN-184373, TX, WA-MLO-237926 | Heidi Slagle-Points CA NMLS ID 1666881

Mortgage Mom Radio airs weekly focusing on topics that will educate our listeners around mortgage lending. Today we answered questions surrounding closing costs and also the importance of working with the right real estate agent.  We also wished Heidi luck in her move to Arizona and shared an adorable video from our littlest fan! We are LIVE on YouTube every Wednesday at 5 PM. Watch us record our show! Ask us your questions right in the feed, we'll read those and answer them for you. Make sure to subscribe to our channel and turn on your notifications to know when we get started. Mortgage Mom Radio equips you with all of the mortgage education that you could ask for right at your fingertips! Listen to our Podcast with hours of shows and topics, download our PHONE APP loaded with every mortgage tool that you could need, and last but not least, watch our weekly Homebuyer Workshop Series on YouTube! Mortgage Mom Radio How do you schedule a phone appointment with mom? Call our office, 844-935-3634. Get your free consultation today! Do you want our phone app to have the tools you need at your fingertips? Click the link: PHONE APP Debbie Marcoux is licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act, NMLS ID 237926, also licensed in AZ-0941504, GA-69178, IL-031.0058339, NV-57237, OR, TN-184373, TX, WA-MLO-237926 | Heidi Slagle-Points CA NMLS ID 1666881

Mortgage Mom Radio airs weekly focusing on topics that will educate our listeners around mortgage lending. Today we discussed the benefits of owning a duplex/triplex/quadplex, deferment vs forbearance, important things to know about self-employed income when applying, and answer listeners' questions. We are LIVE on YouTube every Wednesday at 5 PM. Watch us record our show! Ask us your questions right in the feed, we'll read those and answer them for you. Make sure to subscribe to our channel and turn on your notifications to know when we get started. Mortgage Mom Radio equips you with all of the mortgage education that you could ask for right at your fingertips! Listen to our Podcast with hours of shows and topics, download our PHONE APP loaded with every mortgage tool that you could need, and last but not least, watch our weekly Homebuyer Workshop Series on YouTube! Mortgage Mom Radio How do you schedule a phone appointment with mom? Call our office, 844-935-3634. Get your free consultation today! Do you want our phone app to have the tools you need at your fingertips? Click the link: PHONE APP Debbie Marcoux is licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act, NMLS ID 237926, also licensed in AZ-0941504, GA-69178, IL-031.0058339, NV-57237, OR, TN-184373, TX, WA-MLO-237926 | Heidi Slagle-Points CA NMLS ID 1666881

Disaster Story | Follow The Money |  The Must Knows of Sourcing Your Down Payment!What are eligible forms of funds for downpayment on a home?How to Prevent putting yourself into a position where your cash isn't usable for purchasing a home.How to prevent making your Loan Process a Document Chasing Disaster! Today we have a special guest Scott Kurahara, Operations Manager and Mortgage Advisor chiming in with his experiences as a professional within the Lending industry.If we can assist guiding you through any of the home buying and selling feel free to call or text: 503-847-9038 or email at: info@modernloanofficers.comWe all have your back when it comes to your Home Financing on the West Coast:Additional Notes:All 3 guests are NMLS Licensed Mortgage Advisors:Scott Kurahara NMLS 888734Addison Nett NMLS 1542184Casey Carpenter NMLS 145813All 3 Guests work for Finance of America Mortgage:Additional Company Notes:© Finance of America Mortgage LLC is licensed nationwide |  | NMLS ID #1071 (www.nmlsconsumeraccess.org) | 300 Welsh Road, Building 5, Horsham, PA 19044 | (800) 355-5626 | AZ Mortgage Banker License #0910184 | Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act | Georgia Residential Mortgage Licensee #15499 | Kansas Licensed Mortgage Company | Licensed by the N.J. Department of Banking and Insurance | Licensed Mortgage Banker -- NYS Banking Department | Rhode Island Licensed Lender | Massachusetts Lender/Broker License MC1071. 

Mortgage Mom Radio airs weekly focusing on topics that will educate our listeners around mortgage lending. Today we revisited 2019's FHA and VA loan workshop, stopping it along the way to cover what has changed since just last year. The Future of Homeownership In a recent survey involving more than 100 economists, Zillow found that housing experts share the opinion that Generation Z is likely to become homeowners at a higher rate than millennials. Millennials are currently in the prime years for purchasing a first home, and yet homeownership among the group has fallen. Gen Z is currently 23 and younger, but in 15 years when they reach the age millennials are now, 45% of the economists polled believe over 60% of them will be homeowners. One of the reasons for the increase in homeownership is that the inventory crisis that makes it challenging for current buyers to afford a home is expected to resolve itself. In addition, economists believe that Gen Zers will be more likely to live in affordable areas versus the millennial generation who are drawn to expensive urban neighborhoods. Another contributing factor is that Gen Z is expected to enter the job market during an upswing in the economic cycle, although time will tell how the current pandemic will impact the economy long term. Millennials were coming out of college and entering the workforce right as the economy went into recession, creating income-related hurdles and career challenges. A recent study of Gen Z found that the majority of the Gen Z members polled prefer to move to diverse communities and want features like backyards with decks or patios for outdoor entertaining, open floor plans, garages, and hardwood flooring. Though members of this generation are digital natives, only 17% of respondents indicated that smart-home technology was an important feature for them. Forty-six percent, nearly half of all respondents, said they want a single-family home, while only 7% want a townhome, 5% want a multi-family unit, and 5% want a condo. Despite being better connected than previous generations, Gen Z is often referred to as the loneliest generation. It comes as no surprise then that one of their top priorities for a home is having entertaining spaces both inside and outside the home. They want large outdoor spaces for spending time with friends and family as well as open floor plans to optimize the space in their homes. If you have any questions regarding home loan rates or products, give me a call. I'm always happy to help. We are LIVE on YouTube every Wednesday at 5 PM. Watch us record our show! Ask us your questions right in the feed, we'll read those and answer them for you. Make sure to subscribe to our channel and turn on your notifications to know when we get started. Mortgage Mom Radio equips you with all of the mortgage education that you could ask for right at your fingertips! Listen to our Podcast with hours of shows and topics, download our PHONE APP loaded with every mortgage tool that you could need, and last but not least, watch our weekly Homebuyer Workshop Series on YouTube! Mortgage Mom Radio How do you schedule a phone appointment with mom? Call our office, 844-935-3634. Get your free consultation today! Do you want our phone app to have the tools you need at your fingertips? Click the link: PHONE APP Debbie Marcoux is licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act, NMLS ID 237926, also licensed in AZ-0941504, GA-69178, IL-031.0058339, NV-57237, OR, TN-184373, TX, WA-MLO-237926 | Heidi Slagle-Points CA NMLS ID 1666881