Podcasts about churchill mortgage

Listen to the Real Estate Realities Show with Justin Hermes on KRDO News radio 105.5fm & 1240am at 10:30am and 1pm today as Justin talks "Reverse Mortgage" his guest Ken Smith of Churchill Mortgage will tell you all the many ways you can use a reverse mortgage!

Listen to the Real Estate Realities Show with Justin Hermes on KRDO News radio 105.5fm & 1240am at 10:30am and 1pm today as Justin talks "Reverse Mortgage" his guest Ken Smith of Churchill Mortgage will tell you all the many ways you can use a reverse mortgage!

Jay Garvens each year teams up with other members of Churchill Mortgage, and they travel to Honduras to volunteer their time to benefit the residents of the region in so many ways!  This is an... The post HONDURAS “MISSION LAZARUS” – 09-21-2024 appeared first on Jay Garvens.

Jay Garvens each year teams up with other members of Churchill Mortgage, and they travel to Honduras to volunteer their time to benefit the residents of the region in so many ways!  This is an... The post HONDURAS “MISSION LAZARUS” – 09-21-2024 appeared first on Jay Garvens.

Jay Garvens each year teams up with other members of Churchill Mortgage, and they travel to Honduras to volunteer their time to benefit the residents of the region in so many ways! This is an uplifting story that if you listen it could benefit you too!

Jay Garvens each year teams up with other members of Churchill Mortgage, and they travel to Honduras to volunteer their time to benefit the residents of the region in so many ways! This is an uplifting story that if you listen it could benefit you too!

Marcus talks with Entrepreneur and Business Leader, Reginald Howard of Rhow Homes about raising confident, polite and self-sustaining children. About Reginald:Born and raised in Nashville, Tennessee “Reggie” has deep local roots that go back generations. Reggie is a graduate of Hunters Lane High School and Fisk University. Reggie began his professional career as Mortgage Originator with Churchill Mortgage. This allowed Reggie at an early stage in his work career to learn the real estate business inside and out. He began to increase his knowledge of construction by serving as an Electrical Engineer with DuPont Chemicals for 5 years and then serving as an Apprentice with Sunny Crooke Construction for 8 years.Upon the completion of the Apprenticeship Reggie became the Project Manager for 3 years with Krause Construction. However Reggie has always had a desire to run his own business. This led him to found RHOW Properties in 2008. As RHOW Properties continued to grow in the amount of real estate projects completed “The RHOW Experience” became known within the Greater Nashville Market by 2015 as a standard few other construction companies could replicate.RHOW Properties and the leadership of RHOW Properties has been very active in the community. American Contractors, Mt Zion Baptist Church, Fisk University, Scars Uncovered, Nashville Chamber of Commerce and North Nashville Chamber of Commerce are only a few organizations that the leadership of RHOW Properties is an active participant with.25:00 - The value of a mentor27:40 - Getting into real estate32:50 - Why entrepreneurship is important today36:30 - Have patience with your kids!Follow Reginald:https://www.rhowhomestn.com/https://www.instagram.com/rhowhomes/For as little as $25/month, you would be making a HUGE difference for fatherless children. Please donate at www.strongerthanmyfather.org#causes #dad #dadlife #dadsofinstagram #dogood #education #familytime #father #fatherhood #fatherless #fatherlessdaughters #giveback #grief #griefsupport #healing #help #mentalhealth #momlife #motherhood #motherwound #nonprofit #nonprofitorganization #nonprofits #parenting #parents #selfhealers #support #therapy #traumacore #volunteer

This week Jay has a special guest “Ken Smith,” Churchill Mortgage’s reverse mortgage specialist.  Usually Ken will only come in once a year to update and explain reverse mortgage and dispel rumors about this product. ... The post REVERSE MORTGAGE – REFINANCE AND PURCHASE – 2-10-2024 appeared first on Jay Garvens.

This week Jay has a special guest “Ken Smith,” Churchill Mortgage's reverse mortgage specialist.  Usually Ken will only come in once a year to update and explain reverse mortgage and dispel rumors about this product. ... The post REVERSE MORTGAGE – REFINANCE AND PURCHASE – 2-10-2024 appeared first on Jay Garvens.

This week Jay has a special guest "Ken Smith", Churchill Mortgage's reverse mortgage specialist. Usually Ken will only come in once a year to update and explain reverse mortgage and dispel rumors  about this product. If you have ever had questions about reverse mortgage this show will answer them. 

This week Jay has a special guest "Ken Smith", Churchill Mortgage's reverse mortgage specialist. Usually Ken will only come in once a year to update and explain reverse mortgage and dispel rumors  about this product. If you have ever had questions about reverse mortgage this show will answer them. 

When you're ready to buy a house, making sure you get the right mortgage is one of the most important home-buying decisions you can make. But the truth is, most mortgages out there suck. In this episode, you'll learn the best way to finance a home, sneaky mortgage traps to avoid, and how you can feel confident in your lender.  Helpful Resources: Finance your home the smart way with my friends at Churchill Mortgage. Find the only real estate agents in your area endorsed by Dave Ramsey.

Sound of Freedom community movie event. 

Sound of Freedom community movie event. 

In this episode of The Mortgage Reports Podcast, host Craig Berry NMLS# 200401 is joined by Mike Hardy, principal and co-founder of CYRUS Opportunity Zone Fund and managing partner of California & Nevada business for Churchill Mortgage. They discuss the current state of the housing market and compare it to the market before the housing crisis 15 years ago. Mike shares how he got into the mortgage industry and his journey from being a pre-med student to becoming a successful mortgage professional. Mike also shares his personal journey of transitioning from a "do it yourself" mentality to outsourcing tasks and protecting their time to focus on their zone of genius.>>Read more about Mike Hardy on themortgagereports.com Jump to Listen Ahead:[00:02:03] Transition into mortgage industry. [00:07:19] Healthy homes and families. [00:08:25] Finding your zone of genius. [00:12:43] Automate, delegate, or eliminate. [00:19:31] Focus and determination. [00:22:21] Dramatic under supply of homes. [00:25:11] Affordability and housing demand. [00:29:31] Conflicting forces in the market. [00:33:11] Prolonging Gen Z's ability to buy. [00:37:07] Opportunity zones. [00:41:09] The Almanac of Naval Ravikant. [00:44:41] Overcoming fear in real estate.The Mortgage Reports Podcast is operated by Full Beaker, inc. NMLS# 1019791

Jay Garvens will show you six red flags that can damage or even destroy an average mortgage loan.  Even if you choose not to go to Churchill Mortgage, listen to “6 Hidden Traps in the... The post 6 HIDDEN TRAPS IN THE AVERAGE MORTGAGE appeared first on Jay Garvens.

This show is a carry over from the show Justin did with Jay Garvens. Ken Smith a reverse mortgage specialist with Churchill Mortgage will be in this weeks show answering the hard questions about reverse mortgage.

This show is a carry over from the show Justin did with Jay Garvens. Ken Smith a reverse mortgage specialist with Churchill Mortgage will be in this weeks show answering the hard questions about reverse mortgage.

Jay Garvens will show you six red flags that can damage or even destroy an average mortgage loan. Even if you choose not to go to Churchill Mortgage listen to "6 Hidden Traps In The Average Mortgage- to protect your mortgage experience.

Jay Garvens will show you six red flags that can damage or even destroy an average mortgage loan. Even if you choose not to go to Churchill Mortgage listen to "6 Hidden Traps In The Average Mortgage- to protect your mortgage experience.

Jay Garvens has delivered 10 years worth of important information and tips to help his listeners achieve a home of their own and debt free living. However most of his listeners are not aware of Jay's commitment to the absolute or perfect mortgage experience. It is safe to say the Churchill Mortgage advantage is the "Perfect" mortgage experience. Jay with the help of Justin Hermes of Real Estate Realities will explain in this show some of what they do to earn that reputation.

In this episode, D.O. interviews Andrew Wagner with Churchill Mortgage. Andrew entered the mortgage industry straight out of college just five years ago. By his second full year he became a top producer with over $40 million in volume funded. From there he has only increased his production and therefore the commissions earned. Listen to how simple success is for those like Andrew who are not afraid to put in the hours, stay dedicated and not give up. Subscribe and Visit www.TLOPonline.com for MORE CONTENT!

Today on the Moving Up Podcast we welcome back one of our favorite local lenders, Kevin Watson with Churchill Mortgage.  As the Brentwood Branch Manager and Home Loan Specialist, Kevin believes in treating people the way he would like to be treated, and allowing the borrower to become comfortable in the process.  Kevin discusses all things lending and the outlook for 2023.  Let's Connect: Instagram: instagram.com/movinguppodcast/ Facebook: facebook.com/TheWilsonGroupRealEstate podcast@wilsongrouprealestate.com Learn about Studio Bank: studiobank.com Learn about ATA Certified Public Accountants & Business Advisors: atacpa.net David Hart, dhart@atacpa.net Kevin Watson with Churchill: https://www.churchillmortgage.com/loan-officers/kevin-watson Questions for Christie and Heather? Email us podcast@wilsongrouprealestate.com

To close out 2022, Jay tells his listeners of a recent trip to Tennessee with Churchill Mortgage. The post TALES OF TENNESSEE – 12-31-22 appeared first on Jay Garvens.

In this episode of the Cybersecurity Defenders Podcast, Matt Bromiley opens up the Adversary Toolbox to tell us all about RDP.We also sit down with Michael Laudenslager, VP of Cybersecurity at Churchill Mortgage and talk about security in the cloud.The Cybersecurity Defenders Podcast: a show about cybersecurity and the people that defend the internet.

Mike Hardy is a true renaissance man – he's an Ironman, student pilot, real estate investor, sought-after speaker, leadership expert, fund manager, and a business coach for mortgage and real estate professionals. He has spoken at national conferences and events such as Todd Duncan's High Trust Sales Mastery, with an audience of over 30,000 people, and has been quoted on Fox Business News and interviewed by USA Today.   Mike is an authority in the real estate and mortgage business, often sought out for his unique insights into such issues as the comparison between the 2007 and 2022 housing markets. He is currently the Managing Partner of California & Nevada business for Churchill Mortgage, leading a top 1% nationwide $100 million origination team, and overseeing 30 employees managing $500 million. His teams help more than 1,200 families annually with a purchase or refinance.    As the Principal and Co-Founder of CYRUS Opportunity Zone Fund, Mike lends his expertise to helping investors harness the power of tax-free investing through OZs. CYRUS was launched in 2019 and is currently working towards developing 100+ cash-flowing units in addition to multiple fix and flip projects.   Mike is a husband of 25 years, a father to 4 kids, and is actively involved in philanthropic efforts throughout his Southern California community. He loves using his experience to add value to people's lives through speaking, coaching, and mentorship.   In this episode, Mike dives into the importance of self-care and how it can help you break out of a negative cycle. He discusses his experiences with recognizing emotional vampires, managing their energy levels, and understanding morality. He shares his experience of finding an accountant who understands what you bring them and offers advice on how to make informed decisions that are beneficial for your finances. To learn more about Mike and his work, listeners can visit Cyrus Opportunity Zone Fund!   [00:01 - 01:51] Unlocking Optimal Wellbeing Through The Core Four Mike discusses being intentional and understanding that you can learn from anyone Picking your battles and recognizing when a conversation isn't worth getting involved in   [01:52 - 14:01] Prioritizing Your Health Through Self-Discovery And Mind Management Understanding the energy people bring and the frequency they operate with Identifying emotional vampires who suck all the happiness out of a room Holistic health includes mental, spiritual, and physical health The core four processes every morning to get your mind right: Proper nutrition Prayer or meditation or journaling Thoughtful for your family Learn and teach something new Health is not only for the wealthy but for those who understand its worth Prioritizing health is important as it cannot be regained once lost   [14:02 - 19:52] Closing Segment Mike advises listeners how forward-thinking accountants can offer more beneficial tax strategies and that finding trustworthy experts to provide guidance is important To learn more about Mike and his work, listeners can visit Cyrus Opportunity Zone Fund!   Tweetable Quotes: “I'm a believer that your outside is always a reflection of your inside over time. And your business is always going to be a trailing effect of how you show up in all areas of life.” – Mike Hardy   “When you find the team that allows you to run fast and not get caught in a trap that you're not aware of.” – Mike Hardy   You can connect with Mike through his: Website: Cyrus Opportunity Zone Fund LinkedIn: Mike Hardy   LEAVE A REVIEW + help someone who wants to explode their business growth by sharing this episode. Are you confused about where to start? Join our community and learn more about real estate investing. Head over to our Facebook Page, Youtube Channel, or website https://www.theacademypresents.com/jointhesummit36848306. Connect with Lorren Capital, LLC. for syndicated multifamily investments, https://lorrencapital.com/. To learn more about me, visit my LinkedIn profile, and connect with me.

Mike Hardy is a true renaissance man – he's an Ironman, student pilot, real estate investor, sought-after speaker, leadership expert, fund manager, and a business coach for mortgage and real estate professionals. He has spoken at national conferences and events such as Todd Duncan's High Trust Sales Mastery, with an audience of over 30,000 people, and has been quoted on Fox Business News and interviewed by USA Today.   Mike is an authority in the real estate and mortgage business, often sought out for his unique insights into such issues as the comparison between the 2007 and 2022 housing markets. He is currently the Managing Partner of California & Nevada business for Churchill Mortgage, leading a top 1% nationwide $100 million origination team, and overseeing 30 employees managing $500 million. His teams help more than 1,200 families annually with a purchase or refinance.    As the Principal and Co-Founder of CYRUS Opportunity Zone Fund, Mike lends his expertise to helping investors harness the power of tax-free investing through OZs. CYRUS was launched in 2019 and is currently working towards developing 100+ cash-flowing units in addition to multiple fix and flip projects.   Mike is a husband of 25 years, a father to 4 kids, and is actively involved in philanthropic efforts throughout his Southern California community. He loves using his experience to add value to people's lives through speaking, coaching, and mentorship.   In this episode, Mike discusses the different methods of making money – trading time for money, keeping money, and growing money – assesses what skill sets are needed for each. He explores how incentives are aligned and how capital is being attracted to hard-hit areas, leading to improved standards of living and businesses. He reflects on the importance of having the right mindset and environment to create meaningful opportunities in life. To learn more about Mike and his work, listeners can visit Cyrus Opportunity Zone Fund!   [00:01 - 02:50] Exploring The Benefits Of Creating Businesses And Jobs   Mike shares how investors can benefit from investing in opportunity zones, which provide tax advantages Aligning incentives and value creation by bringing capital and investment to improve areas      [02:51 - 07:42] Unlocking The Possibilities Of Money   Creating a business or creating jobs can create opportunity, fund more jobs, and improve the GDP Every person's debt is somebody else's asset We have the choice to be a problem seeker or possibility thinker Taking time to think can uncover opportunities that are right in front of us The fear of putting money with someone else and trusting them The three mindsets and skillsets when it comes to money: Trading time for money Keeping money efficiently, including tax strategy Growing money through investing and efficient tax strategy     [07:43 - 18:32] Closing Segment   Mike says that opportunity is everywhere if you slow down and create the right environment   To learn more about Mike and his work, listeners can visit Cyrus Opportunity Zone Fund!   Tweetable Quotes: “You make a living by what you get, but you really make a life by what you give.”  – Mike Hardy   “Every person's debt is somebody else's asset.” – Mike Hardy You can connect with Mike through his: Website: Cyrus Opportunity Zone Fund LinkedIn: Mike Hardy   LEAVE A REVIEW + help someone who wants to explode their business growth by sharing this episode. Are you confused about where to start? Join our community and learn more about real estate investing. Head over to our Facebook Page, Youtube Channel, or website https://www.theacademypresents.com/jointhesummit36848306. Connect with Lorren Capital, LLC. for syndicated multifamily investments, https://lorrencapital.com/. To learn more about me, visit my LinkedIn profile, and connect with me.

Mike Hardy is a true renaissance man – he's an Ironman, student pilot, real estate investor, sought-after speaker, leadership expert, fund manager, and a business coach for a mortgage and real estate professionals. He has spoken at national conferences and events such as Todd Duncan's High Trust Sales Mastery, with an audience of over 30,000 people, and has been quoted on Fox Business News and interviewed by USA Today.   Mike is an authority in the real estate and mortgage business, often sought out for his unique insights into such issues as the comparison between the 2007 and 2022 housing markets. He is currently the Managing Partner of California & Nevada business for Churchill Mortgage, leading a top 1% nationwide $100 million origination team, and overseeing 30 employees managing $500 million. His teams help more than 1,200 families annually with a purchase or refinance.    As the Principal and Co-Founder of CYRUS Opportunity Zone Fund, Mike lends his expertise to helping investors harness the power of tax-free investing through OZs. CYRUS was launched in 2019 and is currently working towards developing 100+ cash-flowing units in addition to multiple fix and flip projects.   Mike is a husband of 25 years, a father of four, and is actively involved in philanthropic efforts throughout his Southern California community. He loves using his experience to add value to people's lives through speaking, coaching, and mentorship.   In this episode, Mike provides insight into the world of opportunity zones and how they can be used to save money on taxes while still being able to invest. He shares details on his own fund creation, which helps investors save money on taxes while still being able to invest. To learn more about Mike and his work, listeners can visit Cyrus Opportunity Zone Fund!   [00:01 - 02:23] Uncovering The Best Kept Tax Strategy Secret Mike is an investor and entrepreneur who has never had a real job in his life He shares his expertise in financial advising, real estate investing, and fix-and-flip projects How he discovered the fascinating world of opportunity zones a couple of years ago and set up a fund    [02:24 - 18:14] Discover The Benefits Of Opportunity Zone Funds Opportunity zones are considered the best-kept tax strategy or secret that you've never heard of Opportunity zone strategy is an efficient strategic way to defer capital gains tax until 2026 This offers the potential of ROTH IRA-type tax-free distribution of all growth inside of the fund Money can be loaned against the fund to pay taxes Investment into a qualified opportunity fund is tax-free if held for 10 years Accredited investors with a minimum contribution of $100, 000 can take advantage of this strategy [18:15 - 18:32] Closing Segment Mike emphasizes that opportunity zone projects are not common in certain areas, this is created to help people build wealth in a more efficient fashion   To learn more about Mike and his work, listeners can visit Cyrus Opportunity Zone Fund!   Tweetable Quotes: “If you have, and you push only the gains portion into the opportunity fund... So, it's only capital gains that have this preferred tax treatment.” – Mike Hardy   “The opportunity zone is super unique and I've heard it categorized as the best-kept tax strategy or secret that you've never heard of.” – Mike Hardy   You can connect with Mike through his: Website: Cyrus Opportunity Zone Fund LinkedIn: Mike Hardy   LEAVE A REVIEW + help someone who wants to explode their business growth by sharing this episode. Are you confused about where to start? Join our community and learn more about real estate investing. Head over to our Facebook Page, Youtube Channel, or website https://www.theacademypresents.com/jointhesummit36848306. Connect with Lorren Capital, LLC. for syndicated multifamily investments, https://lorrencapital.com/. To learn more about me, visit my LinkedIn profile, and connect with me.

Josh McQuaig and Michael Rivero present a conversation with Mike Hardwick. We discuss strategies for succeeding as a mortgage lender, the secret sauce for establishing great work culture, making tough decisions in business and regaining success after losing it all. Mike Hardwick graduated with a degree in finance and started his career as a commercial bank loan officer. He is licensed in 47 states and has originated over 4 billion dollars in home financing, becoming one of the most well-known businessmen and philanthropists in Tennessee. He founded Churchill Mortgage in 1992 and has scaled his business and team to 1,100+ employees. Josh McQuaig and Michael Rivero are co-founders of TopShotPro, with years of experience as real estate marketers. TSP has been recognized by Fox News, Marketers Media, The NY Daily, and Forbes as they are building a real estate marketing technology with immense growth and increasing their footprint across the country with their unique marketing solutions.

Meet Jordan Heatherly: Husband first, son/brother second, friend third, then loan officer with Churchill Mortgage. I am a life long learner focusing on the borrower experience while maintaining a healthy balance in an industry that can take as much as it gives. The 5 songs that either pump him up, help him wind down, or sit with him in the sadness. These have been added to our "Win Some Lost Some" Spotify Playlist. "Never Gonna Be Alone" - Jacob Collier (feat. Lizzy McAlpine & John Mayer) "Brown Eyed Lover" - Allen Stone "Boy" - Charlie Puth "Shot in the Dark" - John Mayer "BE OK" - Samoht CONTACT JORDAN: jordan.heatherly@churchillmortgage.com / c: 513-646-4247 https://www.instagram.com/nashvillehomeloans CONTACT US: winsomelosesomepod@gmail.com

Dave Ramsey & Kristina Ellis discuss: Moving from self-employment to working for a company, The value of working during college, Why you should avoid single stocks and diversify, What to do after selling a rental house. Support Our Sponsor: Zander Insurance: https://bit.ly/2Xbn7hD  Churchill Mortgage: https://bit.ly/2JcfkGy Want a plan for your money? Find out where to start: https://bit.ly/3nInETX Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Dave Ramsey & George Kamel discuss: When it makes sense to get into real estate investing, Increasing retirement income, When it makes sense for a spouse to stay at home, Helping family with money. Support Our Sponsor: NetSuite: https://bit.ly/2WBLh5c  Zander Insurance: https://bit.ly/2Xbn7hD  Churchill Mortgage: https://bit.ly/2JcfkGy Want a plan for your money? Find out where to start: https://bit.ly/3nInETX Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Wealth doesn't come from what you make, it comes from what you save. That's why mortgages are such an important part of building wealth. My friends at Churchill Mortgage are at The Table! They're explaining mortgages, tips for first-time home buyers and how to buy a home in this crazy, overpriced market in 2022. Visit Churchill Today: https://anthonyoneal.com/churchill Checkout My Network Partners:

Dave Ramsey & Ken Coleman discuss: The possibility of self-insuring for long-term care insurance, The best way to find scholarships for college, Finding a side hustle with a criminal background, Balancing a side hustle with family time. Support Our Sponsor: Splash Financial: https://bit.ly/2XAdOIf  Churchill Mortgage: https://bit.ly/2JcfkGy  Zander Insurance: https://bit.ly/2Xbn7hD Want a plan for your money? Find out where to start: https://bit.ly/3nInETX Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Dave Ramsey & Rachel Cruze discuss: Why you shouldn't buy an expensive new car for a tax write-off, Being a good steward of a large financial gift, How to win financially after beating a gambling addiction, When it makes sense to sell a rental property. Support Our Sponsor: Splash Financial: https://bit.ly/2XAdOIf  Churchill Mortgage: https://bit.ly/2JcfkGy  Zander Insurance: https://bit.ly/2Xbn7hD  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Dave Ramsey & George Kamel discuss: Giving care to a parent with Alzheimer's, Why everyone needs a will, How to spend a large inheritance. Support Our Sponsor: Christian Healthcare Ministries: https://bit.ly/2XBZfE3  Churchill Mortgage: https://bit.ly/2JcfkGy Want a plan for your money? Find out where to start: https://bit.ly/3nInETX Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6  

Today on the Moving Up Podcast we welcome one of our favorite local lenders, Kevin Watson with Churchill Mortgage.  As the Brentwood Branch Manager and Home Loan Specialist, Kevin believes in treating people the way he would like to be treated, and allowing the borrower to become comfortable in the process.  Kevin discusses all things lending and the outlook for the remainder of the year. Rates are on the rise and days on market for new listings are shrinking by the week, we often refer to this market as the “Wild, Wild, West of 2022”!  Let's Connect: Instagram: instagram.com/movinguppodcast/ Facebook: facebook.com/TheWilsonGroupRealEstate podcast@wilsongrouprealestate.com Learn about Studio Bank: studiobank.com Kevin Watson with Churchill: https://www.churchillmortgage.com/loan-officers/kevin-watson  

Dave Ramsey & Kristina Ellis discuss: Getting scholarships as an older student, Investing in retirement vs. paying cash for a house, Moving into a potentially risky financial situation. Support Our Sponsor: Christian Healthcare Ministries: https://bit.ly/2XBZfE3  Churchill Mortgage: https://bit.ly/2JcfkGy  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

John Delony & Ken Coleman discuss: A husband that hid $200k from his wife, A great job opportunity...that means moving to Alaska, Moving to be near family, Taking out student loans. Support Our Sponsor: Splash Financial: https://bit.ly/2XAdOIf  Churchill Mortgage: https://bit.ly/2JcfkGy  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Dave Ramsey & Ken Coleman discuss: Insurance is insurance, not an investment, Nothing down real estate and Dave's personal experience with it, College vs. code school. Support Our Sponsors: NetSuite: https://bit.ly/2WBLh5c  Churchill Mortgage: https://bit.ly/2JcfkGy  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Patrick Juul of Churchill Mortgage joins us today! Mortgage. What comes to mind when you hear that word? To me, mortgage is about one thing: HOME. I believe the family home is more than a house. It's a place where love can grow, dreams are encouraged, and where family enjoys life together. Home is where family can be a refuge for one another from life's challenges and storms. And since most families will need a mortgage to buy a home, the mortgage experience should be positive and clear, not negative, confusing and intimidating. My commitment to every customer is to bring clarity and confidence to the home buying, home building or refinancing process. I believe the mortgage process intimidates even savvy consumers and experienced homeowners, so my team and I will create confidence by serving every customer at the highest level of excellence, integrity and respect. This commitment leads to peace of mind for my customers. Here's what I have learned over the years: If we help you and your family to acquire confidence in this process, you'll have peace of mind. And if you have peace of mind, you will want to refer others to my team and I, for help with all things mortgage and real estate. And when you do that, we promise to go fast, work hard and make you proud of that recommendation! To help you get to know what makes me tick, here is a Top-10 list about myself – in no particular order: I once flew over Mt. McKinley (AKA, Denali) in Alaska, in a Cessna-180. I do not recommend this. I grew up in Anchorage, AK in a rugged place (unofficially named by my father) called Rabbit Creek Canyon. (Google Rabbit Lake, Anchorage AK.) My mortgage career began in Anchorage in the Spring of 1986, when mortgage rates were over 9%. And yes, people were out buying homes and getting mortgages. My first mortgage was at 7.5%, considered a low interest rate at the time. My family made Minnesota our home in the Spring of 1998, and my wife and I raised five children in Burnsville, Minnesota. There is a special place in our hearts for families with children who have special needs. We love Special Olympics of Minnesota (#SOMN), and have a grown son who is a Special Olympics athlete. Spending time with my wife, kids and grandchildren, is the best thing I do. My favorite pastimes include traveling with my wife and family, music, hiking, relaxing at the beach, good coffee in the early morning hours and (sucking at) golf. To make the mortgage process clear and understandable, I created a unique presentation for first-time home-buyers called, Mortgage in a Box. Ask me about my MIB presentation! --- Support this podcast: https://anchor.fm/angeltalamantes/support

Clean Life ThoughtsWe are live from Nashville! Head to YouTube to see our travel studioMark tells us a bit about the housing market and why now is a great time to purchase80-90 people move to Nashville every week!What makes Middle Tennessee so attractive to move to?What does the process look like when working with a realtor?What is the difference between handling people who are moving to a city from elsewhere or someone who might be living in that city but moving to a different part?Have you talked to your mortgage company? Mark works with Churchill Mortgage often.Mark's top tips are doing your research and don't be afraid to ask for helpThe number one thing people notice about a home is smell - they know when you're covering something up too!Are you a smoker? Have pets? Use Waltz D when cleaning before a showing to help eliminate odors and properly disinfect your homeHow to handle clutter, personal items on display, and layout of furniture when giving a home tour - did you know the average home has over 300,000 items?Curb appeal - start at the mailbox! Mark tells us whyGive rooms a purpose!LinksAvKARE | Waltz-D | Store | Twitter | Facebook | Instagram | LinkedIn | BlogThe Clean Life | Twitter | Apple Podcasts | Spotify | TuneIn