Podcasts about business oversight

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

Mortgage Mom Radio airs weekly focusing on topics that will educate our listeners around mortgage lending. Today we talked about HOAs CC&Rs and the difference between them, the loan application process, mortgage impounds, and insurance. 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 Debbie returns from vacation and Heidi returns in-studio! We talked about pre-approvals and making offers, and updates on refinancing with today's mortgage rates. 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