Podcasts about fha

Featured on WGN Radio's Home Sweet Home Chicago on 05/24/25: Perma-Seal Basement Systems' Chief Operating Officer Joel Spencer discusses leveling municipal sidewalks, preparing for storms, and installing drain systems. To learn more about Perma-Seal’s services, go to permaseal.net or call 1-800-421-SEAL (7325).

Featured on WGN Radio's Home Sweet Home Chicago on 05/24/25: Andrew Simmons, Owner & Operator of Simmons Power & Soft Washing, joins to discuss the value that powerwashing can add to a home, oil stains on driveways, and roof cleanings. Visit simmonspower-softwash.com for more information and for a free quote, call (847) 416-8869.

Featured on WGN Radio's Home Sweet Home Chicago on 05/24/25: Lindholm Roofing's Assistant Manager Mike Huston to the rescue! Listen in while Mike talks about roof inspection practices, gutters, and more! To learn more about what Lindholm Roofing can do for you, go to lindholmroofing.com or call them at 773-283-7675.

We started off this week's show by chatting with Perma-Seal Basement Systems' Chief Operating Officer, Joel Spencer, about preparing your home for storms. Lindholm Roofing's Assistant Manager Mike Huston, joined the show to talk about roof inspection practices. Then, Andrew Simmons, owner and Operator of Simmons Power & Soft Washing, shares the benefits of power washing and talks […]

In this engaging conversation, Bryce Stewart shares his transformative journey from being a public school teacher to a successful real estate investor with 37 doors. He discusses the pivotal moments that led him to realize the potential of real estate investing, the importance of taking action, and how faith plays a role in his financial decisions. Bryce emphasizes the significance of leveraging FHA loans and the concept of investing for eternal value, while also highlighting the importance of family and personal growth in his life.Ultimate Show Notes:00:01:05 - Bryce's Journey to Financial Freedom00:01:55 - Bryce's Background as a Teacher00:02:13 - The Epiphany: Realizing Money Beyond a Job00:06:22 - The Importance of Alternative Income00:07:53 - First Steps into Real Estate Investing00:09:09 - Finding the First Duplex00:11:59 - Breaking Through the Wall to Wealth00:19:01 - Faith and Financial Stewardship00:23:18 - Converting Temporary Gains into Durability00:25:19 - Philanthropy and Giving Back00:27:02 - Family Life and Summer Adventures00:28:01 - Scaling to 37 Units: The Capital Journey00:33:07 - Resources and Coaching Opportunitieshttps://www.brycestewart.net/ https://www.amazon.com/House-Hackers-Guide-Galaxy-Millions-ebook/dp/B08R2ZX7LH?ref_=ast_author_dp  Turn your unique talent into capital and achieve the life you were destined to live. Join our community!We believe that Capital is more than just Cash. In fact, Human Capital always comes first before the accumulation of Financial Capital. We explore the best, most efficient, high-integrity ways of raising capital (Human & Financial). We want our listeners to use their personal human capital to empower the growth of their financial capital. Together we are stronger. LinkedinFacebookInstagramApple PodcastSpotify

Ever wonder what today's land and house sellers are really thinking? In this episode of The Land Academy Show, Steven Jack Butala and Jill DeWit dive into the evolving seller profile of mid-2025—and it's not what it used to be. With the market shifting toward buyers and inventory piling up, understanding who's selling and why has never been more critical.But first, we're taking a detour through Greece, whiskey by the campfire, and a debate over Paris vs. Walmart, as Jack and Jill reveal their dream getaways and how they really define being pampered.Then it's back to business. Whether you're flipping land, navigating FHA offers, or rewriting your first three questions to sellers—this week is packed with actionable insights for savvy investors. The landscape is changing. Are you ready to adapt? Tune in now to find out what's motivating sellers in 2025—and how to use that insight to close better, faster deals.

We started off this week's show by chatting with Rose Pest Solutions' Marketing Director Janelle Iaccino about how to prep your yard to keep mosquitoes away before your summer parties. Then,  Integrity Concrete Coatings' Teagan Overhaug joins the show to discuss the services their company offers. And Vice President and Sales Manager Igor Murokh, AKA Mr. […]

Featured on WGN Radio's Home Sweet Home Chicago on 05/17/25: Rose Pest Solutions' Marketing Director Janelle Iaccino, A.K.A. ‘The Bug Girl', joins the program to discuss bug proofing your yard just in time for summer. To learn more about Rose Pest Solutions and what they can do for you, go to rosepestcontrol.com or call 1-800-GOT-PESTS.

Featured on WGN Radio's Home Sweet Home Chicago on 05/17/25: Integrity Concrete Coatings' Teagan Overhaug joins the show to discuss the services their company offers. To learn more, you can call 815-220-5015 or visit integrityconcretecoatings.com

Featured on WGN Radio's Home Sweet Home Chicago on 05/17/25: Vice President and Sales Manager Igor Murokh, AKA Mr. Floor, joins the show to discuss how humidity affects your floors. To learn more about Mr. Floor Companies, their products, and what services they provide, go to mrfloor.com or call 847-674-7500.

When choosing a mortgage lender, it's important to carefully compare several key factors to ensure you get the best deal and the right fit for your financial situation. Here's who you might consider and how to evaluate them:1. Types of Lenders to ConsiderBanks: Traditional option; may offer relationship discounts if you have accounts there.Credit Unions: Often have lower rates and fees; membership may be required.Mortgage Brokers: Shop multiple lenders on your behalf but may charge a broker fee.Online Lenders: Often streamlined and convenient; compare their rates carefully.Non-bank lenders: Can be more flexible for unique financial situations.2. What to Look ForInterest Rates: Fixed or variable—get quotes from multiple sources to compare.Fees: Application, origination, underwriting, appraisal, and closing costs.Loan Types Offered: Conventional, FHA, VA, jumbo, etc., based on your eligibility.Customer Service: Look for responsive, transparent, and helpful communication.Reputation: Read reviews and check ratings from the Better Business Bureau or Trustpilot.Preapproval Process: A good lender should make this easy and informative.3. Best PracticeGet at least 3 quotes from different lenders.Ask for a Loan Estimate from each so you can compare total costs side-by-side.Consider long-term value, not just the lowest monthly payment—compare APRs.tune in and learn https://www.ddamortgage.com/blogdidier malagies nmls#212566dda mortgage nmls#324329 Support the show

Join us for an inspiring episode of Leading to Profit with Janet Tonkins, the "Cash Flow Diva," as she shares her incredible journey from growing up in poverty to building a $ 750 M+ real estate empire.    Discover her wealth-building strategies, passion for financial literacy (especially for women and children), and groundbreaking community projects for grandparents and veterans. Learn how she turned properties into profit and gained her wealth through real estate.   Janet Tonkins, The Cashflow Diva, is a real estate mogul, wealth strategist, and national speaker with 30+ years of experience. A recipient of two 2024 Presidential awards, she's built a $750 M+ portfolio and empowers women to break generational poverty through real estate investing.    Known for her mantra, 'I buy houses like women buy shoes,' Janet is a bestselling author, philanthropist (notably for housing veterans and grandparents), and dynamic speaker featured on NPR, USA Today, and at Speaker-Con. Her upcoming book, Purses, Heels, Houses, Shoes—You Choose, and her mission to launch a kiddie real estate and finance academy, reflecting her passion for financial literacy.    Key Takeaway: How to “house-hack”: Bought her first property (23 rooms!) in 1987 and rented portions for cash flow Utilise government programs: Teaches how to use FHA, Veterans loans, and Housing Choice vouchers Rehab & refinance property: Prioritises quality renovations and extracts equity to scale investments Resources:  Janet's site: www.thecashflowdiva.com Janet's Facebook: www.facebook.com/thecashflowdiva Janet's LinkedIn: www.linkedin.com/in/janet-tonkins If you want to create a reliable cash flow for your business, I have some tools and resources that can help. Take the Profit Scorecard (3 minutes) and identify where you are leaking profit now – click here.

In this episode of Go Gaddis Real Estate Radio, Cleve Gaddis unpacks two essential pieces of the mortgage puzzle: PMI (Private Mortgage Insurance) and MIP (Mortgage Insurance Premium). If you're planning to buy a home with less than 20% down—or using an FHA loan—this is a must-listen segment.

Featured on WGN Radio's Home Sweet Home Chicago on 05/10/25: Sara Andreas of Robert R. Andreas & Sons, Inc. General Contractors Specializing in Concrete joins the show to answer listener questions, including if rust can damage your concrete. To learn more about Robert R. Andreas & Sons, Inc. General Contractors Specializing in Concrete, and what […]

Featured on WGN Radio's Home Sweet Home Chicago on 05/10/25: Amer Khan, a Design and Energy Expert with Next Door & Window, joins the show to discuss how you can properly vet companies to see who can provide you with the best service. To learn more about what Next Door & Window can do for […]

Featured on WGN Radio's Home Sweet Home Chicago on 05/10/25: Welcome Lisa Greenberg of Sealmaster, Inc. to the show! Listen in while Lisa highlights their cleaning services and how they can help protect your furniture and fabric from future staining. For more information about Sealmaster, Inc. and what they can do for you, call 847-480-7325 […]

Featured on WGN Radio's Home Sweet Home Chicago on 05/10/25: David Hochberg is joined in-studio by Lexi Nortman, Lila Gallinson, Mimi Peifer and Andrew Weingardt to highlight their product, one80 Soap, and their mission to repurpose oil and create eco-friendly soap. For more information, visit one80soap.wixsite.com/180-soaps-3.

We started off this week's show by chatting with Sara Andreas of Robert R. Andreas & Sons, Inc. General Contractors Specializing in Concrete about rust and if it will damage your concrete. Next, Amer Khan, a Design and Energy Expert with Next Door & Window joined the show to talk about how to properly vet companies to see who […]

The Guild Mortgage Company wants to be your home loan lender. They do all types of mortgages; FHA, VA, USDA & Conventional. Guild Mortgage Company is an Equal Housing Lender; NMLS 3274. Roy West NMLS 316801 Phone (409) 866-1901.

Unlock the secrets to massive real estate profits with short sales! Join us on the Real Estate Entrepreneurs Podcast as we dive deep with the one and only David Randolph, a 15-year short sale veteran. David reveals how he consistently buys properties at deep discounts by working directly with homeowners facing foreclosure and negotiating with banks. Discover David's unique strategies, including his targeted direct mail approach to motivated sellers and his insider knowledge of how banks truly evaluate short sale offers (hint: it's not always about the appraisal!). Learn how to finance these deals using hard money (David even lends!) and the surprising truth about "wholesaling" short sales. Plus, with a potential surge in foreclosures on the horizon, mastering short sales now could be your key to incredible real estate opportunities. Ready to tap into this powerful niche? David shares alarming statistics about rising FHA loan delinquencies, signaling a coming wave of short sale possibilities. He's even offering a FREE two-hour short sale workshop for our listeners! Visit thedavidrandolph.com to learn more. Don't miss this game-changing episode!     #ShortSaleSecretsRevealed #RealEstateShortSales #ForeclosureInvestingTips #DavidRandolphExpert #BankNegotiationStrategies #DistressedPropertyDeals #REIPodcast #RealEstateInvestorTips #CreativeRealEstateFinance #DeepDiscountRealEstate #UnlockShortSaleProfits #ForeclosureOpportunities #RealEstateExpertAdvice #ShortSaleMastery #BankOwnedProperties #InvestmentRealEstateNow #ProfitableShortSales #RealEstateMarketShift #FutureOfForeclosures #REIDeals #ShortSaleStrategies #NegotiatingWithBanks #DistressedSellerSolutions #HardMoneyForREI #WholesalingShortSales #REIFinancingOptions #PropertyDeals2025 #InvestmentOpportunitiesNow #LearnShortSalesFree #TheDavidRandolphMethod #RealEstateWealthBuilding #FinancialFreedomThroughREI #SmartRealEstateInvesting #InsiderRealEstateTips #MaximizeREIProfits #ShortSaleBlueprint #RealEstateSuccessSecrets #ActionableREIAdvice #YourRealEstateEdge #MasteringShortSalesNow

In this explosive episode, Chris Whalen, Chairman of Whalen Global Advisors and Wall Street veteran, delivers an unfiltered breakdown of what's next for the U.S. economy. From the Fed's policy blunders to a looming 20% housing market correction, Chris lays out what most analysts refuse to say. We cover the fintech credit crisis, inflation's true cause, commercial real estate's silent implosion, and why gold is set to become a central bank favourite again. Buckle up — this one's packed.#Gold #housingcrash #inflation ---------------------

In a major shift, HUD and the FHA are walking back a Biden-era policy on foreclosures that gave nonprofits and government agencies first access to buy distressed properties. Originally intended to support affordable housing and community revitalization, the policy has delivered underwhelming results—prompting officials to reverse course. In this episode of Real Estate News for Investors, Kathy Fettke breaks down what this rollback means for investors, how it could speed up the flow of foreclosed homes to the open market, and why it might lead to new buying opportunities in 2025. Topics Discussed: 00:00 New FHA Policy 00:30 FHA Previous Foreclosure Policy 01:02 Mixed Results from Policy 01:50 Immediate Changes 02:10 What this Means for Investors  LINKS Download Your Free Top 5 Cities to Invest in 2025 PDF!https://www.realwealth.com/1500 JOIN RealWealth® FOR FREE https://realwealth.com/join-step-1 FOLLOW OUR PODCASTS Real Wealth Show: Real Estate Investing Podcast https://link.chtbl.com/RWS Real Estate News: Real Estate Investing Podcast: https://link.chtbl.com/REN Source: https://www.housingwire.com/articles/fha-walks-back-biden-era-restrictions-on-foreclosed-property-sales/

Featured on WGN Radio's Home Sweet Home Chicago on 05/03/25:  Cody Uidl of Two Men And A Truck joins the show to discuss how they can facilitate your next move. Cody and David discuss when to schedule movers, moving to a different state, and the benefits of having someone to help you move instead of doing […]

Featured on WGN Radio's Home Sweet Home Chicago on 05/03/25: Center Guard Plumbing's Mike Epping joins the show to discuss energy costs of an electric vs a regular water heater, plumbing challenges in condos, and when you should replace a unit. To learn more about what Center Guard Plumbing can do for you, go to wgnplumber.com or call […]

We started off this week's show by chatting with Mike Epping of Center Guard Plumbing about regular water heaters vs electric water heaters. Next, Dave Schlueter of the Law Offices of David R. Schlueter explains intrafamily transactions. Then, Cody Uidl from Two Men And A Truck discusses the benefits of having movers help you settle into your […]

Featured on WGN Radio's Home Sweet Home Chicago on 05/03/25: Real Estate Attorney Dave Schlueter with the Law Offices of Dave Schlueter Ltd. joins the show to discuss intrafamily transactions. Dave talks about how they work, what a gift of equity is, and what the numbers look like in the process. To learn more about […]

The Guild Mortgage Company wants to be your home loan lender. They do all types of mortgages; FHA, VA, USDA & Conventional. Guild Mortgage Company is an Equal Housing Lender; NMLS 3274. Roy West NMLS 316801 Phone (409) 866-1901.

Learn what rising delinquencies mean for your finances, plus how to decide if you're truly ready to buy your first home. What happens if you fall behind on your loan or credit card payments? How much do you actually need to buy a house? Hosts Sean Pyles and Elizabeth Ayoola discuss rising debt delinquencies and first-time homebuying realities to help you protect your credit and avoid costly financial missteps. Joined by NerdWallet senior news writer Anna Helhoski, they begin with a discussion of climbing delinquency rates across student loans, credit cards, auto loans, and government-backed mortgages, with tips and tricks on how to spot trouble early, prioritize which bills to pay first, and avoid risky quick-fix debt solutions. Then, mortgage Nerd Abby Badach Doyle joins Sean and Elizabeth to discuss what it takes to buy a home for the first time. They discuss how much you actually need for a down payment, what to expect with closing costs, and smart alternatives to tapping your 401(k). You'll also hear the pros and cons of renting versus buying, why assembling a strong homebuying “squad” matters, and how to find down payment assistance that could make homeownership more realistic — even in today's high-cost housing market. Use NerdWallet's free home affordability calculator to see how far your homebuying budget could take you: https://www.nerdwallet.com/calculator/how-much-house-can-i-afford  Learn how a first-time home buyer class can help you find grants, down payment assistance and a lower monthly payment: https://www.nerdwallet.com/article/mortgages/first-time-home-buyer-class  In their conversation, the Nerds discuss: debt delinquencies, student loan default, FHA loan delinquency, auto loan delinquency, mortgage delinquencies, government loans vs conventional loans, student loan wage garnishment, rising credit card debt, prioritizing debt payments, what is PMI, down payment assistance programs, 401k loan for house, using IRA to buy home, renting vs buying a home, how much to put down on a house, closing costs explained, first time homebuyer loans, home affordability calculator, 28/36 rule mortgage, credit score for mortgage, PMI removal, VA loans, FHA loan requirements, USDA mortgage, best mortgage for first-time buyer, first-time homebuyer class, home buying on tight budget, mortgage broker vs lender, emotional readiness to buy a house, how to get rid of PMI, renting benefits, first-time homebuyer grants, how to avoid default, homebuying myths, home equity, and down payment myths. To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email podcast@nerdwallet.com. Like what you hear? Please leave us a review and tell a friend.

What if your biggest tax burden could be flipped into your greatest asset? In this episode, Matt and Luigi sit down with Sean Graham, a CPA turned real estate entrepreneur who's turning self-storage and depreciation into a business superpower. Sean walks us through his journey from cubicle life to building a real estate empire…one shed at a time…and breaks down how cost segregation isn't just tax strategy; it's tax sorcery. You'll learn how he used FHA and SBA loans to scale his real estate portfolio, why self-storage remains hot (even when interest rates don't), and how small business owners can leverage tax tools most people have never even heard of. Episode Highlights: Why FHA loans are a perfect starter hack for young investors How Sean scaled from duplexes to commercial storage units using SBA loans What cost segregation actually is—and why it matters to small business owners Three ways to legally offset active income using real estate depreciation The "lazy 1031 exchange" explained How to avoid paying depreciation recapture When it makes sense to DIY cost seg (spoiler: it doesn't) The wildest short-term rental project Sean ever worked on Sean's tips for building scalable, remote-first real estate operations Favorite Quote: "The easiest entrance into entrepreneurship is through real estate. You don't have to recreate the wheel." Who is Sean? Sean Graham is a licensed CPA, entrepreneur, and the founder of Maven Cost Seg, where he helps real estate investors legally reduce their tax liabilities through cost segregation studies. With a background in accounting and a passion for real estate, Sean has carved out a niche in self-storage and teaches others how to build wealth without begging Uncle Sam to take less. Take Action: Think you're paying too much in taxes? You probably are. Hit play and find out how Sean's strategies could save you five to six figures this year alone. Then head to mavencostseg.com/liquid for a free estimate and an exclusive discount for our listeners.   Connect with Sean: Facebook LinkedIn Website  Like what you heard? Don't forget to subscribe, rate, and review!  

Melody Wright joins Julia La Roche on episode 252 to discuss the state of the U.S. housing market.Sponsor: This episode is brought to you by Monetary Metals. https://monetary-metals.com/julia In this episode, Melody debunks the "inventory shortage" myth in housing and reveals startling truths about the current market. She explains how March home sales fell below 2008 levels despite population growth, discusses the hyperfinancialization of real estate through Wall Street and Airbnb investors, and shares insights from driving 10,000 miles across America to observe housing conditions firsthand. Melody also exposes ongoing defaults from the 2008 crisis and offers hope for frustrated millennial homebuyers waiting for affordability to return. Throughout our conversation, she provides a sobering look at what our distorted housing market reveals about the broader economy.Links:YouTube; https://www.youtube.com/@m3_melodyX: https://x.com/m3_melodySubstack: https://m3melody.substack.com/Timestamps0:00 Introduction and welcome Melody Wright0:23 Setting up the big picture on housing and real estate 1:08 The context of the housing market's current state 3:18 Worst housing market in our lifetimes - March sales lower than 20084:18 Discussion of housing bubble and unaffordability 5:47 Hyperfinancialization of housing 6:15 Wall Street's role in housing after the GFC 7:32 The short-term rental craze and Airbnb saturation 9:03 How to see the real housing inventory numbers 11:06 Debunking the inventory myth and where the market is headed12:58 FHA loan issues and foreclosure programs 15:07 Hope for millennial homebuyers 16:42 Advice for first-time homebuyers 18:08 What the housing market says about the economy 19:00 Commercial real estate situation and empty buildings 20:35 Insights from driving 10,000 miles across America 22:43 Unlearned lessons from the Global Financial Crisis 23:51 Ongoing defaults from the 2008 crisis 25:02 What a healthy housing market would look like 26:26 Closing thoughts

Featured on WGN Radio's Home Sweet Home Chicago on 04/26/25: Next Door & Window’s Director of Marketing Phil Odell joins the show to discuss the durability of Next Door & Window’s fiberglass windows compared to other window products. To learn more about what Next Door & Window can do for your home, go to nextdoorandwindow.com or call […]

Featured on WGN Radio's Home Sweet Home Chicago on 04/26/25: Access' Accessibility Sales Specialist Aimee Ferrarell joins the show to talk about how Access can beat competitors’ prices on stair lifts and grab bars for your home. To learn more about what Access Elevator can do for you, go to allaboutaccess.com or call them at 1-630-616-6249.

Featured on WGN Radio's Home Sweet Home Chicago on 04/26/25: Center Guard Plumbing's Mike Epping joins the show to discuss the extended water heater spring sale. Mike also informs listeners on all of Center Guard Plumbing’s services. To learn more about what Center Guard Plumbing can do for you, go to wgnplumber.com or call 847-406-8883.

We started off this week's show at the Lake County Home Show by chatting with Center Guard Plumbing’s Mike Epping about Center Guard’s current water heater special. Next, Access’ Aimee Ferrarell joined the show to talk about their fair price on stair lifts for your home. Then, Phil Odell of Next Door & Window shared the strengths […]

Should you invest in gold for the long term? Gold has been a great asset to hold over the last year, but I remain a skeptic of investing in gold long term. I personally don't own any gold nor would I recommend buying gold at this point in time. While the recent gains in the price of gold look attractive, given the fact it is up over 20% so far this year in a difficult market, the long-term results aren't enticing. There are periods of time where gold has been a strong performer, but trying to guess those periods is extremely difficult. If we look at January 1980 gold reached $850 per ounce, but the important number here is that the inflation adjusted price was $3,486 per ounce. This means it was not until recently when gold hit $3,500 per ounce, we see an all-time high on an inflation adjusted basis and essentially you made no real gain for over 45 years. At the end of the day gold is just a piece of metal worth only what the next person will pay for it. It has no earnings, no interest, no rents. This makes it extremely difficult to value and given the added expenses for trading and holding gold, it just does not make sense to me. I will continue to invest in good strong businesses at fair prices as I believe that is the best strategy for long term wealth creation.   Why is the government supporting universities with large endowments? I've never really thought about this before. I have known that some big universities have multibillion dollar endowment funds, but I did not realize that 658 institutions have approximately $874 billion, which is nearly $1trillion in endowment funds. When I dug a little bit deeper, I discovered that in addition to these universities receiving money from the federal government via grants, some pay little or no income tax and also get a waiver on property taxes. If you're starting to get a little bit irritated at this point because your hard-working dollars are going to universities like Harvard that has a $53 billion endowment or Yale with a $41 billion endowment, you might be like me and think it's time that things change. The cost of tuition at Harvard is $57,000 per year and the President makes about $1.3 million a year. The president of San Diego State University has a salary of $531,000 and the cost for one year of tuition is about $8700. I'm sure the students at Harvard do receive a more prestigious education than at San Diego State University, but is it 6 1/2 times better? Do the students that graduate from Harvard make a salary that's 600% more than a graduate from San Diego State University? I don't think so. I wondered where money from these endowments goes and basically 48.1% of endowment distributions go to fund student financial aid, 17.7% goes to academic programs and research, 10.8% is used for endowment faculty positions and nearly 17% of the endowment funds are used for other purposes. Wouldn't it be nice to know what those purposes are? I think we need to take a hard look at what universities have in their endowment funds, their tax benefits and grants, and let's have more students here in the United States benefit from those billions of dollars to get a good education as opposed to the fat cats in the Ivy League towers of the universities. One other point I found interesting was the investing philosophy for these endowment funds. The goal is to earn around 8% per year and pay out 4.5% to 5% to fund those various expenses. This should then allow the endowment fund to continue growing. A big problem is many have not been able to achieve that goal with only 25% of 152 schools that were surveyed being able to meet the 8% return over the last 10 years. The other concern is if they can't cut expenses if there is a lack of grants, many endowments are not liquid. Harvard for example had 39% in private equity, 32% in hedge funds, 5% in real estate, 3% in real assets, and just 3% in cash. With all this said I really believe this system should be reviewed to better the entire country, rather than just the Ivy League system.   Could the trade wars hurt home prices? We are starting to see some cracks in the housing market, such as the delinquency rate on FHA mortgages, which cater to the high-risk borrowers who can't qualify for a conventional mortgage because they either have a small down payment or weak credit. The delinquency rate for FHA currently stands at 11% according to the Mortgage Bankers Association, it has not been at this level for 12 years. Unfortunately, and we warned against it, but many people have stretched themselves too far financially to get into a home over the last few years. Because it's only been two or three years since they bought their home, after fees and commissions they may not have much if any equity built up in that home. Another area of weakness that is being seen is with the homebuilders who have really increased their incentives because they have more completed but unsold homes. The builders are getting a little bit worried because they have not seen this many homes sitting on their lots with no buyers since 2009. The average incentives for homebuilders is usually around 5% of the total value of the home, but we are starting to see some incentives around 13% from big builders like Lennar. The volatility of the 10-year treasury, which mortgages generally trade off of, has not been helpful because it has had a wide trading range lately. This then makes it difficult for homebuyers to lock in a good rate. At this point in time, I think I would be waiting to buy a home until maybe late summer. I think there should be some good deals at that point in time as the tariff war should continue to progress and we should have a clearer picture of the economy by that time.   Financial Planning: Why converting 100% of pretax is bad Roth conversions can be a powerful tax planning tool, but like any tool, using it the wrong way can do more harm than good. One of the most common mistakes we see is the idea that you should convert all of your pre-tax retirement savings, like a traditional IRA or 401(k), to a Roth account. Everyone loves the idea of a tax-free retirement. When you convert money from a traditional IRA to a Roth IRA, you're moving it from a pre-tax account to a tax-free account, but there's a price, the converted amount is considered income and you must pay ordinary income tax in the year of the conversion. Once converted funds grow tax-free. The best way to think about money in a pre-tax account is that it is deferred income.  It will be taxed, it's just a matter of when.  When you make contributions to a pre-tax account, you are not receiving a tax deduction, you are deferring income to a future year. When performing a Roth conversion, you are voluntarily deciding to pay tax on that income, even though you don't have to yet.  This only makes sense if you are able to convert at a lower tax rate than you would otherwise be subject to if you did not convert.  This most commonly happens between the beginning of retirement, typically in your 60's, and the beginning of your required distributions at age 75. During that period taxable income is generally lower which means conversions may be done at a lower tax rate than when required distributions begin at 75. Required distributions can be a problem because if you have too much in pre-tax accounts, your required taxable distributions may push you into a higher tax bracket and trigger IRMAA.  Roth conversions help this by shifting funds from pre-tax to tax-free, therefore reducing the level of taxable distributions beginning at 75.  However there is an efficient amount that should be converted for every person.  Converting 100% of pre-tax funds means you will likely be in a lower tax bracket after the conversions, and will potentially not have any tax liability at all.  This doesn't sound bad, but it means you likely paid too much in tax to convert the funds in the first place.  Again, money in a pre-tax account is deferred income that will be taxed.  The goal is to have that income taxed at the lowest rate possible.  If you convert too aggressively you may be settling for a higher tax rate on the money coming out and not receive enough tax-free income from the Roth to justify it.  Instead, structuring withdrawals and conversions to keep your taxable income consistently low all through retirement will result in a higher level of after-tax income.   Companies Discussed: Netflix (NFLX), The Walt Disney Company (DIS), Albertsons Companies, Inc. (ACI) & UnitedHealth Group Inc (UNH)

Erik Swanson, owner of Fernweh Property Group, explains how he's developed a track record with investors that has allowed him to build a Tap Room business and an impressive real estate portfolio! Erik starts with very cool stories about his days in the music industry including working alongside some legendary bands! He dives into his first couple real estate deals including a FHA 203k loan and an intense story about a drive-by shooting at one of his properties! Erik discusses how he raised money to start an innovative, self-pour Tap Room business and emphasizes the importance of building a track record to raise money. He shares keys to growth in real estate and explains how he runs his businesses all while traveling across the world on a regular basis! If you enjoy today's episode, please leave us a review and share with someone who may also find value in this content! Connect with Mark and Tom: StraightUpChicagoInvestor.com Email the Show: StraightUpChicagoInvestor@gmail.com Guest: Erik Swanson, Fernweh Property Group Link: Erik Swanson's LinkedIn Link: Eric Workman (Network Referral) Guest Questions 04:24 Intro to our guest, Erik Swanson! 09:58 Transitioning from the music industry to real estate! 15:28 Drive-by shooting at Erik's 5-unit building. 18:16 Lessons learned from rehab projects. 20:35 Starting a self pour tap room during COVID! 30:11 Erik's keys to explosive growth in real estate. 37:36 Reputation building to raise money. 41:57 What's next for Erik?! 49:12 What is your competitive advantage? 49:50 One piece of advice for new investors. 50:36 What do you do for fun? 50:50 Good book, podcast, or self development activity that you would recommend?  51:33 Local Network Recommendation?  52:23 How can the listeners learn more about you and provide value to you? ----------------- Production House: Flint Stone Media Copyright of Straight Up Chicago Investor 2025.

Did you know there's a way to tap into your home's equity for tax-free cash—without having to make monthly payments? It's true.It's called a Home Equity Conversion Mortgage, or HECM—what many of you know as a reverse mortgage. But today's reverse mortgage isn't what it used to be. Harlan Accola is here to help us unpack how they work and whether one might be right for you.Harlan Accola is the National Reverse Mortgage Director at Movement Mortgage, an underwriter of Faith and Finance. He is also the author of Home Equity and Reverse Mortgages: The Cinderella of the Baby Boomer Retirement. What's Changed? A Safer, Regulated OptionWhen you hear the phrase reverse mortgage, you might think of outdated financial tools with a bad reputation. However, home equity conversion mortgages (HECMs) significantly differ from those in the past.Reverse mortgages today are not the “Wild West” products of decades past. Since major reforms were enacted during President Reagan's term in 1988, HECMs are now heavily regulated under the Federal Housing Administration (FHA).No one can lose their house or have it taken away, provided they're working with a reputable lender and stay in the home while meeting basic obligations. Ownership doesn't change, and homeowners are protected.These changes addressed the risks that once made reverse mortgages controversial. Now, with strict oversight, they provide a reliable option for seniors wanting to tap into their home equity without selling.Are Reverse Mortgage Interest Rates Too High?It's a common misconception that reverse mortgage interest rates are significantly higher than traditional mortgages. But that comparison isn't apples to apples. Interest rates on HECMs are actually tied to the 10-year Treasury rate and are heavily regulated.Right now, interest rates for reverse mortgages are about the same as traditional mortgages—around 6.5%. This means homeowners aren't sacrificing much, if anything, in interest when compared to forward mortgages.What About Costs and Obligations?The closing costs for reverse mortgages are nearly identical to traditional mortgages, with one key difference: the addition of FHA mortgage insurance.This insurance offers three essential guarantees:You can remain in your home as long as you want (up to age 150!).Thanks to non-recourse debt protections, you will never owe more than the home's value.Your heirs won't be left with a bill.Yes, this insurance adds about 2% of the home's value to the upfront costs, but it's well worth it—just like homeowner's insurance is worth it if your house burns down.What Happens When the Borrower Passes Away?A major concern many have is what happens to the home after the homeowner dies or permanently moves out.The key is proper planning. Without a will or trust in place, any mortgage—reverse or traditional—can create problems for heirs. In most cases, the home is simply sold, and any remaining equity belongs to the heirs. For instance, if the reverse mortgage balance were $100,000 on a $400,000 home, the heirs would receive the remaining $300,000.Sometimes, grandchildren may want to keep the home, in which case they can buy out other heirs. Either way, the process can be managed with clear planning.Flexible Payout OptionsOne of the most attractive features of a HECM is its flexibility. Homeowners can choose to receive their funds in a variety of ways:A lump sumA line of creditMonthly income paymentsOr even a combination of these optionsThe big idea? Your home is not just a place to live—it's also a financial asset that can be used strategically, especially in retirement.Every financial situation is different. However, a reverse mortgage could be a wise part of a broader financial plan for older homeowners. When used correctly, it offers flexibility, security, and peace of mind without jeopardizing their home.Visit Movement.com/Faith to learn more about reverse mortgages or speak directly with Harlan Accola at Movement Mortgage.On Today's Program, Rob Answers Listener Questions:My husband has taken a new job, and we have been contributing to an HSA. He wants to contribute $1,000 a month to the HSA. We still own a home and are nearing retirement age. Should we work on paying off the home or continue to put dollars into the HSA?A week or two ago, I caught part of your program about freezing credit scores. I didn't catch the whole explanation. We've never really taken out loans except for our first house 45 years ago. Is there any downside to freezing my credit?I recently received a large amount of money from a dear loved one who passed away in January. I know I'm going to tithe and pay taxes on the amount. I have an appointment with my bank to set up a CD account, but I want to know what other types of investments I can make with the money. I just want to make sure I'm doing the right thing.Resources Mentioned:Faithful Steward: FaithFi's New Quarterly MagazineMovement MortgageBankrate.comChristian Community Credit Union (CCCU)Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

What if you started in real estate at 18 and built an empire worth over $575 million? In this powerful episode of the Hero Capital Show, Tim Mai sits down with Brian Baniqued, a second-generation real estate broker and dynamic entrepreneur whose journey spans multifamily syndications, office complexes, retail centers, and even modular development. Brian shares how he went from organizing papers in his mom's real estate office to building vertically integrated companies in brokerage, finance, and property management—all while raising $27M+ in capital. You'll discover his early cash-flow strategy with FHA fourplexes, his transition into syndication and condo development, and how he now leverages modular construction to build faster and smarter. Top 5 Key Takeaways:- Start Young, Think Big: Brian began at 18 by house-hacking with FHA loans and quickly scaled into multifamily ownership.- Power of 1031 Exchanges: He used strategic exchanges to go from small fourplexes to large apartment buildings and commercial assets.- Vertical Integration Advantage: By building brokerage, mortgage, and management companies, Brian controlled every part of the investment life cycle.- Modular Construction Insights: Learn the pros, cons, and cost nuances of using prefab construction for faster multifamily builds.- Investor Loyalty Through Strategy: His ability to guide investors through exit strategies and reinvestments built a loyal capital base over decades.About Tim MaiTim Mai is a real estate investor, fund manager, mentor, and founder of HERO Mastermind for REI coaches.He has helped many real estate investors and coaches become millionaires. Tim continues to help busy professionals earn income and build wealth through passive investing.He is also a creative marketer and promoter with incredible knowledge and experience, which he freely shares. He has lifted himself from the aftermath of war, achieving technical expertise in computers, followed by investment success in real estate, management skills, and a lofty position among real estate educators and internet marketers.Tim is an industry leader who has acquired and exited well over $50 million worth of real estate and is currently an investor in over 2700 units of multifamily apartments.Connect with TimWebsite: Capital Raising PartyFacebook: Tim Mai | Capital Raising Nation Instagram: @timmaicomTwitter: @timmaiLinkedIn: Tim MaiYouTube: Tim Mai

What did you think of todays show??Real estate is shifting fast — are you ready to adapt? The end of FHA loan relief, tighter buyer budgets, and new Zillow rules are all putting fresh pressure on investors to spot potential risks and seize the right opportunities.We're unpacking housing affordability challenges, why we should have a free marketplace, and what investors can do as easy money disappears. Tune in to get the insights and strategies you'll need to navigate what's coming next!Topics discussed:Introduction (00:00)SCALE community meetup agenda (02:38)Zillow's new rules on pocket listings (06:55)Flaws in the U.S. real estate transaction model (09:50)The impact of FHA loan relief changes (14:29)Economic trends and government response (19:36)Affordable housing and shifting buyer trends (24:34)Opportunities in the next real estate market cycle (27:27)How we're adapting in our  real estate business (34:32)Learn more about the Collecting Keys SCALE Community! https://collectingkeys.com/scale/Check out the FREE Collecting Keys “Invest Anywhere” Guide to learn how to find deals in ANY MARKET Completely virtually (this is how we scaled to over a dozen markets)!https://instantinvestor.collectingkeys.com/invest-anywhereFollow us on Instagram!https://www.instagram.com/collectingkeyspodcast/https://www.instagram.com/mike_invests/https://www.instagram.com/investormandan/https://www.instagram.com/dylan_does_dealsThis episode was produced by Podcast Boutique https://www.podcastboutique.com

FHA loans offer low down payments and flexible credit requirements, BUT most buyers don't understand how they really work. In this episode, we break down the facts, from qualification myths to hidden costs like mortgage insurance and lender overlays. You'll learn how FHA compares to conventional loans, when it makes sense to use, and the surprising truths most lenders won't tell you.Start your stress-free loan journey todayJoin Rate Watch – we'll watch rates for youEmail: info@theeducatedhomebuyer.comConnect with Us

What if your home could pay you back every month? In this Strategy Saturday episode, Charles Carillo shares how he used a strategy called house hacking to reduce his living expenses to just $40/month — while building equity, gaining landlord experience, and preparing for larger real estate investments. You'll learn: What house hacking is (and isn't) Why 2–4 unit residential properties are ideal for beginners How to use FHA loans to get started with low money down The most common mistakes first-time house hackers make How this strategy helped launch Charles's real estate journey Whether you're looking to offset your mortgage, live for less, or make your first real estate move with limited capital, this episode offers a proven roadmap for getting started — the smart and sustainable way.   Links Referenced in Episode: SS41: What is House Hacking? → https://youtu.be/dfR8eCOaJQ4 SS159: How To House Hack → https://youtu.be/gBw2aO4Einw Connect with the Global Investors Show, Charles Carillo and Harborside Partners: ◾ Setup a FREE 30 Minute Strategy Call with Charles: http://ScheduleCharles.com ◾ Learn How To Invest In Real Estate: https://www.SyndicationSuperstars.com/  ◾ FREE Passive Investing Guide: http://www.HSPguide.com ◾ Join Our Weekly Email Newsletter: http://www.HSPsignup.com ◾ Passively Invest in Real Estate: http://www.InvestHSP.com ◾ Global Investors Web Page: http://GlobalInvestorsPodcast.com/  

Featured on WGN Radio's Home Sweet Home Chicago on 04/19/25: Rose Pest Solutions' Marketing Director Janelle Iaccino, A.K.A. ‘The Bug Girl', joins the program to talk about looking out for fake DIY pest control practices on social media, and what you can do that actually works. To learn more about Rose Pest Solutions and what […]

Featured on WGN Radio's Home Sweet Home Chicago on 04/19/25: Bob Schmitt of The Junkluggers joins the show to highlight Earth Day and why it is so important to beware of planned obsolescence and the positive impact of repurposing products. To learn more about what The Junkluggers can do for you, go to www.junkluggers.com or give them […]

Featured on WGN Radio's Home Sweet Home Chicago on 04/19/25: Sara Andreas of Robert R. Andreas & Sons, Inc. General Contractors Specializing in Concrete joins the show to discuss the importance of having a strong concrete foundation, and highlights their industrial services. To learn more about Robert R. Andreas & Sons, Inc. General Contractors Specializing […]

We started off this week's show by chatting with Rose Pest Solutions' Marketing Director Janelle Iaccino, A.K.A. ‘The Bug Girl' about DIY pest control practices. Next, Bob Schmitt of The Junkluggers joined the show to talk about the importance of repurposing items. Then, Sara Andreas of Robert R. Andreas & Sons, Inc. General Contractors Specializing in Concrete shares information […]

FHA mortgages can be an excellent option for first-time homebuyers but have some drawbacks. In this episode, Charles discusses FHA mortgages and the pros and cons of this financing product.   Connect with the Global Investors Show, Charles Carillo and Harborside Partners: ◾ Setup a FREE 30 Minute Strategy Call with Charles: http://ScheduleCharles.com ◾ Learn How To Invest In Real Estate: https://www.SyndicationSuperstars.com/  ◾ FREE Passive Investing Guide: http://www.HSPguide.com ◾ Join Our Weekly Email Newsletter: http://www.HSPsignup.com ◾ Passively Invest in Real Estate: http://www.InvestHSP.com ◾ Global Investors Web Page: http://GlobalInvestorsPodcast.com/

Can real estate investing offer a path to financial freedom? In this episode of Invest2FI, Craig is joined by Jake Baker, an engineer turned real estate investor, as they discuss his remarkable journey from house hacking to the innovative co-living model in Jacksonville. Jake shares his transition from aerospace engineering to full-time real estate investing, including his first experiences with the BRRRR method (Buy, Rehab, Rent, Refinance, Repeat) and how the co-living model has helped him optimize cash flow while growing his portfolio.Jake discusses the power of networking, particularly at conferences like BPCon, and reveals how he found his passion for real estate while studying at Long Beach State. He also talks about his unique experience with co-living spaces and how he blends short-term and long-term strategies for financial freedom.PODCAST HIGHLIGHTS:[03:48] - Jake shares his real estate journey, starting as an engineer.[04:50] - First property investment in Long Beach with a close friend.[06:15] - How Jake and his friend made their first real estate deal work.[08:12] - Why they decided to partner on their first property in Long Beach.[09:10] - Financing their first house with an FHA loan and creative down payment.[11:00] - The importance of choosing the right property and managing risk.[13:05] - Explaining the tax advantages of selling a primary residence using the "2 of 5-year rule".[14:45] - His first out-of-state investment in Jacksonville and the key lessons learned.[16:40] - Jake explains his move to co-living and how it increases cash flow.[19:30] - How Jake's co-living model works and the potential for long-term success.[22:00] - The importance of location, layout, and tenant demographics in co-living investments.[25:10] - The benefits of using private money for real estate deals and partnerships.[27:30] - How he found success with short-term rentals in San Diego.[30:45] - Strategies for turning a 3-bedroom house into a 9-bedroom co-living space.[36:20] - Key factors when transitioning from traditional long-term rentals to co-living.[39:00] - The importance of understanding co-living regulations and permits in San Diego.[41:00] - The future of co-living investments and what his plans are for growth.HOSTCraig Curelop   

Housing and Urban Development Secretary Scott Turner details how HUD is partnering with DHS to remove illegal aliens from public housing and block access to taxpayer-backed FHA loans. Get the facts first on Morning Wire.

The media loves a good panic headline, but how much of it is actually true? In this episode, Ron Phillips breaks down a recent Wall Street Journal article about FHA loans and their impact on housing prices. He goes deep into the numbers, history, and government policies behind the current housing situation, explaining why the reality may not be as dramatic as the headlines suggest. WHAT YOU'LL LEARN FROM THIS EPISODE   Why FHA loans are being blamed for rising home prices and whether that claim holds up Differences between today's market and the 2008 subprime mortgage crisis How government programs are keeping homeowners from foreclosures and why it may not be a bad thing The role of media narratives in shaping public perception of the housing market Reasons why long-term real estate investors shouldn't panic even if foreclosures rise   RESOURCES MENTIONED IN THIS EPISODE Biden's Mortgage ‘Relief' Fuels Higher Housing Prices CONNECT WITH US: If you need help with anything in real estate, please email invest@rpcinvest.com  Reach Ron: RP Capital Leave podcast reviews and topic suggestions: iTunes Subscribe and get additional info: Get Real Estate Success Facebook Group: Cash Flow Property Facebook Community Instagram: @ronphillips_ YouTube: RpCapital Get the latest trends and insights: RP Capital Newsletter