Podcasts about gateway mortgage

In this engaging episode of "We Are TPM," hosts Kyle Teixeira and John Teixeirawelcome back Trevor Kerr from Gateway Mortgage to provide invaluable insights intothe 2025 mortgage market. Trevor shares his forecasts and advice, especically for realestate investors, amidst a market holding steady with inflation and interest rates. Thetalk delves into how investors can still nd opportunities for wealth building in propertyinvestments despite market stability.Trevor highlights the importance of real estate as a wealth-building tool. He provideslisteners with an updated overview of interest rates, which are predicted to maintainaround six and a half to seven percent—considered a healthy benchmark for themarket. Topics such as adjustable rate mortgages, current buying opportunities, andthe impact of federal economic policies on real estate investments are deeply explored.Moreover, Trevor provides practical advice on leveraging home equity, discussing themerits of home equity lines of credit and second lien loans, which provide flexibility forboth homeowners and investors.Notable Quotes:"The best economic forecaster is about a 50, 50 coin flip. So half the stuff I tell youmight be right and half of it might be wrong." - Trever Kerr"The number one way to build wealth, you know, in any, in the safest way is owningreal estate." - Trever Kerr“Don't date the house, date the rate. You can always refinance down the road."- Trever KerrListen to We Are TPM on any major podcast platform including Apple Podcasts,Google Play, Spotify, and many more.Tune in today!We Are TPMTeixeira Property ManagementMansfield, Texaswww.WeAreTPM.comShowMeTheMoney@WeAreTPM.comContact Trevor Kerr: Call or text at 972-822-7408.———————————————————————————There are a vast amount of ways in today's world to build wealth using real estate andinvesting, not just in property, but in yourself!Located in the Dallas-Fort Worth area of Texas, John Teixeira and Kyle Teixeira ofTeixeira Property Management bring you all of the knowledge and experience they canprovide for the confidence to achieve your investment goals, or how and why to createthem. Now, while John and Kyle have a ton to share, they will also be bringing youinterviews with some of their clients, industry partners, experienced investors, andmuch more every week!John and Kyle look forward to sharing the knowledge you need about arguably thegreatest investment vehicle that is available to the masses — Real Estate. Knowledgeis power, and John and Kyle intend to give you as much power as possible. It's notalways about the HOW, but also the WHY, and they will be digging into it right hereevery week!

In this episode, John and Kyle are joined by Trever Kerr from Gateway Mortgage todiscuss loan assumptions and provide a market update on the mortgage and realestate industry. They explain that loan assumptions can be a valuable option for bothsellers and buyers, allowing sellers to stand out in a competitive market and buyers tosecure a low-interest rate loan. They also discuss the current interest rate trends andadvise against waiting for rates to decrease, as the market may change and pricescould increase. The key message is to focus on building wealth through real estate andnot get caught up in the details of interest rates.Key Takeaways:• Loan assumptions have become more common in the current market, offering buyersand sellers unique financing opportunities.• Government loans, such as FHA, VA, and USDA loans, are typically assumable, whileconventional loans are not.• Sellers should check if their loan is assumable before listing their home, as it canmake their property more attractive to buyers.• Buyers should not wait for interest rates to decrease before purchasing a home, asthe market may change, resulting in higher prices.• Real estate is a long-term wealth-building strategy, and buyers should focus on thebigger picture rather than getting caught up in interest rates.Quotes:"Assumptions is definitely something that people need to consider." - Trever Kerr"You might have that beautiful 2% high 2% interest rate that's a lot better than whatthe current market rates are." - Trever Kerr"Assuming a loan can help buyers qualify for a house they otherwise wouldn't qualifyfor." - Trever KerrGet the full details on how assumable loans work in this episode.You can listen to We Are TPM on any major podcast platform including ApplePodcasts, Google Play, Spotify, and many more.Tune in today!We Are TPMTeixeira Property ManagementMansfield, Texaswww.WeAreTPM.comShowMeTheMoney@WeAreTPM.com———————————————————————————There are a vast amount of ways in today's world to build wealth using real estate andinvesting, not just in property, but in yourself!Located in the Dallas-Fort Worth area of Texas, John Teixeira and Kyle Teixeira ofTeixeira Property Management bring you all of the knowledge and experience they canprovide for the confidence to achieve your investment goals, or how and why to createthem. Now, while John and Kyle have a ton to share, they will also be bringing youinterviews with some of their clients, industry partners, experienced investors, andmuch more every week!John and Kyle look forward to sharing the knowledge you need about arguably thegreatest investment vehicle that is available to the masses — Real Estate. Knowledgeis power, and John and Kyle intend to give you as much power as possible. It's notalways about the HOW, but also the WHY, and they will be digging into it right hereevery week!

This week Yvonnca sits down with Chris Webb, Area Manager at Gateway Mortgage. Chris has been in the industry 26 years and is knowledgeable in the real estate market! His focus is strengthening families and communities through personalized financial solutions, expert guidance, and award-winning service.They will talk about credit, income, downpayment, and so much more! They are answering the questions to help you when getting started with the home buying process! Yvonnca LandesRealty Executives Associates865.660.1186 or 588.3232www.YvonncaSellsRealEstate.comAdrienne LandesRealty Executives Associates865.659-6860 or 588.3232Click here: https://linktr.ee/talkintnwithyvonncaTurning Knox Rental (Event Rental Services): www.turningknoxrental.comLandes Home Collection Online Store: www.landeshomecollection.comFor promotion inquires please contact Yvonnca Landes. 865-660-1186All Copy Rights are owned Yvonnca Landes and the Landes Brand ©. To gain legal access contact David Landes 865.660.6860 or theappraisalfirm@charter.netProduced and engineered by: Adrienne LandesThank you for listening! Follow us social media! https://linktr.ee/talkintnwithyvonnca

Episode 41: ---------------------------------This week we're talking with Trever Kerr with Gateway Mortgage discussing Should You Consider an Adjustable Rate Mortgage (ARM)?As interest rates are beginning to spie, is it a smart play to go with an adjustable rate vs. a fixed rate loan?Trever Kerr brings 20+ years of experience to the table with his thoughts on ARMs. Particularly a 5/6 ARM, which adjusts up to one percentage point (up or down) after 5 years. After that 5 years is up the rate could change every 6 months, but refinancing is always an option!Tune in today and get started operating your STR!_________________________________We Are TPM    Teixeira Property Management    Mansfield, Texas    www.WeAreTPM.com    ShowMeTheMoney@WeAreTPM.com _________________________________There are a vast amount of ways in today's world to build wealth using real estate and investing, not just in property, but in yourself!Located in the Dallas-Fort Worth area of Texas, John Teixeira & Kyle Teixeira of Teixeira Property Management will bring you all of the knowledge and experience they can provide for the confidence to achieve your investment goals, or how and why to create them. Now, while John and Kyle have a ton to share, they will also be bringing you interviews with some of their clients, industry partners, experienced investors, and much more every week! John and Kyle look forward to sharing the knowledge you need about arguably the greatest investment vehicle that is available to the masses - Real Estate. Knowledge is power, and John and Kyle intend to give you as much power as possible. It's not always about the HOW, but also the WHY, and they will be digging into it here every week!

Hey Hoochies! In the first episode of Girls Night In: Sip This, the ladies begin by questioning WTF men still wear turtle necks?! And the mystery behind thong sandals… On this episode Ming Duh and Poetic B open up about who they are, what interests them, and a little behind the scenes on why they decided to create this podcast. WCW: Miram Olivero with Gateway Mortgage. Contact her for any assistance to pre-qualify for purchasing or refinance at, 856-364-3059 or 856-457-7310. P.S. Let her know we sent you! Hoochie Hotline: Inquiries can be sent to our IG via DM @girlsnightinpodcast or via email to thegirlsnightinpod@gmail.com Follow Us! @girlsnightinpodcast @ming.duh @poeticb_ Support your favorite podcast with a small monthly donation to sustain future episodes: https://anchor.fm/thegirlsnightinpod/support --- Support this podcast: https://anchor.fm/thegirlsnightinpod/support

This week Elsa Davila with Gateway Mortgage comes on the podcast to discuss the importance of trust your loan officer. When purchasing a home, you and your loan officer are a team and it's super important you guys have a mutual trust relationship throughout the process. She also shares a few good stories and tips to help home buyers!

Chris Padley from Gateway Mortgage is here to talk all about mortgages. I'm so excited to be here today with my friend Chris Padley with Gateway Mortgage. I wanted to feature Chris and share all the great things he does to help our clients get to the closing table with less stress and a happier experience. Chris has been in the Tulsa mortgage business for almost 20 years, so I wanted to chat about what's going on in the mortgage world. Feel free to watch the full message above, or use these timestamps that will direct you to various points in the video: 0:05 — Introduction to today's topic 1:00 — Chris uses his years of experience to ensure everyone knows what's going on throughout the process 2:35 — We're more likely to see an interest rate increase than a home price reduction 5:35 — The best time to take advantage of the market is when it slows down 6:20 — Interest rates vary depending on the type of loan you're getting, but they're all great 7:10 — It's always a good time to invest in real estate 7:50 — Wrapping up today's topic If you have any questions about mortgages or want to start the process, visit Chris’s website to contact him. If you have any real estate questions or needs, call or email us at The Wolek Group. We would love to be your real estate resource.

Lisa Buck with Gateway Mortgage joins us this week to take an inside look at lending. How has the market shifted? What are the newest trends?

Episode 04: --------------------------------- This week we sat down with our good friend and long-term partner, Trever Kerr with Gateway Mortgage. We went through a few ways to acquire your first rental property with real experience in today's market and how to choose your first Rental Property. _________________________________ There is a vast amount of ways in today's world to build wealth using real estate and investing, not just in property, but in yourself! Located in the DFW Metroplex, John Teixeira & Kyle Teixeira of Teixeira Property Management will be bringing you all the knowledge and experience we can provide you with the confidence to achieve your investment goals, or how and why to create them. Now, while we have a ton to share, we will be bringing you interviews as well with some of our clients, industry partners, experienced investors, and much more every week! We look forward to sharing the knowledge everyone needs about arguably the greatest investment vehicle that is available to the masses, Real Estate. Knowledge is powerful, and we intend to give you as much power as we can. It's not always about the how, but also the why, and we will be digging into it all here every week! We Are TPM     Teixeira Property Management     Mansfield, Texas     www.WeAreTPM.com     ShowMeTheMoney@WeAreTPM.com

Getting the right financing for your vacation rental is one of the biggest steps to purchasing your property. This week I was fortunate to be able to interview one of the nations leading experts in vacation rental financing. Jeff Chisum with Gateway Mortgage. www.TenPercentDown.com I learned some really amazing changes that are happening in the industry that allows us to take advantage of 10% down payments and really low rates as we build out Lifestyle Asset portfolio. Listen to this weeks episode to get all the details about these great loan options. As always, thank you for listening and being the best part of this show. . Vodyssey was formed to introduce you to the proven processes in Acquisition, Management & Marketing of your Lifestyle Assets. . Lifestyle Assets are more than just short-term vacation rentals. Learn how you can build a portfolio of Lifestyle Assets that provide Lifestyle & Financial Freedom for you and your family. . For more content and expert advise, visit www.Vodyssey.com

Grant Griggs join us to give insight into how to best advise your clients in situations such as Bad Credit, Bankruptcy and Foreclosures. These things don't mean your clients cant qualify, it just means they need to do things differently!

Grant Griggs join us to give insight into how to best advise your clients in situations such as Bad Credit, Bankruptcy and Foreclosures. These things don't mean your clients cant qualify, it just means they need to do things differently!

Grant Griggs join us to give insight into how to best advise your clients in situations such as Bad Credit, Bankruptcy and Foreclosures. These things don't mean your clients cant qualify, it just means they need to do things differently!

Chris Webb is the branch manger at Gateway Mortgage Knoxville. He works hard to help people buy homes. Him and his amazing team work hard for all of their clients to find what loan suits you. Listen to this episode as he gives all the advice you need to know about home loans!

When purchasing a home, you NEED every step of the process to go smoothly and, more importantly-be on time. Seemingly small details such as not providing a bank statement or pay stub can cause a transaction not to close. Imagine not being able to get into your dream home on time-or at all just because things weren't in order. This and many other considerations are discussed in this informative episode of Lake Life. Franco Cordova from Gateway Mortgage reviews the entire process. What to do , what not to do, and how the importance of finding an experienced lender is crucial to a smooth process. Franco Cordova - NMLS#605019 Gateway Mortgage 972-836-5727 Franco.Cordova@gatewayloan.com

In this episode, we interview Annie McNeil with Gateway Mortgage. We discuss programs and percentage rate changes at the end of 2018 and discuss how they will affect the home buyers. Visit us on the web at www.sanantoniorealtypros.com for more info and how to contact us. Let us know what you think and leave us a comment on Facebook. Hit our social and give us a LIKE!! www.facebook.com/sanantoniorealtypros www.twitter.com/realty_san www.instagram.com/sanantoniorealtypros --- Send in a voice message: https://anchor.fm/sanantoniorealtypros/message Support this podcast: https://anchor.fm/sanantoniorealtypros/support

Kevin Stitt started Gateway Mortgage with $1,000 and a computer and today his business now employs over 1,200 employees. Now, Kevin would like to become the next governor of Oklahoma. Listen in as Clay asks him about his vision for the state’s future and what it’s like to run for governor.

Les Ferris with Gateway Mortgage talks about the Homestyle Renovation Loan for investors that want to buy and renovate real estate.

A conversation with Les Ferris of Gateway Mortgage. He shares accurate and timely information on purchasing Investment Real Estate.

Today I’m here with Trevor Kerr from Gateway Mortgage to help me answer a few questions about financing rental properties.  Q: How much money does it take to buy a rental?  A: It used to be that you had to put 20% down. You can now buy a rental with a minimum payment of 15%. However, you will have to pay a mortgage insurance premium until you get 20% equity in the property.  For example, if you are looking for properties between $150,000 and $200,000, the average investor might purchase a $175,000 house for $35,000 down to avoid the mortgage insurance. If you put 15% down, that would be $25,000  Q: What other costs can the buyer expect at closing?  A: You will have to pay for your down payment, closing costs, and prepaids. Most investors who put 20% down on their house choose to handle their own escrow account to alleviate some of those upfront costs. Either way, if you are looking for a home in that $150,000 to $200,000 price range, you can expect an additional $4,000 to $6,000 out of pocket.  As a property manager, we always recommend that our investors handle their own escrow. It’s just one less thing to worry about. You don’t want to miss a tax or insurance payment, so handling your own escrow can give you peace of mind, especially if you are a new investor.  Q: How do you qualify for another home if you already have a mortgage on your primary residence?  A: The great thing about investment properties is if you qualify for your current house, car payments, or other debts, you generally don’t have to worry about qualifying for two houses. The lender will give you credit for the future rental income you will derive off the rental property.  In most cases, if you buy a $175,000 and put 20% down, your payment will be somewhere around $1,100  or so, with taxes and insurance. Depending on the neighborhood, you can lease that house for $1,500 to $1,700 a month. The positive cash flow offsets that payment.  That is the case throughout North Texas, so qualifying is rarely a problem. 99% of the time, if you qualify for your current debts and you have the down payment, qualifying for an investment property won’t be an issue.  Q: Is investing in real estate that easy?  A: Yes! You just have to have some money and find the right Realtor.  Q: If you are moving up into a bigger house, how can you turn your current property into a rental?  A: This is another great way to start investing in real estate. A big advantage of turning your initial primary residence into a rental property is that the down payment will be smaller. When you buy your replacement home, you may only need 3% to 5% down.  However, in order to count the rental income you anticipate from your current property as income to qualify for your next, bigger home, you have to have at least 25% to 30% equity in the current home.  So, talk to a Realtor to find out what you can sell your current home for, and talk to a lender about pre-qualifying for your next home before you head into that game plan.  Of course, there are a couple exceptions. A VA buyer doesn’t have to have that equity position. Each loan program is a little different, but in general, you need 25% to 30% equity in your current property if you want your future rental income to be used when qualifying for your move-up home.  Q: Why doesn’t everybody do this?  A: Everyone should! Investing in real estate is a great way to build wealth for you and your family. It doesn’t matter how long you plan on holding a property. In general, a buy and hold strategy is a fantastic way to build wealth.  “Investing in real estate is a great way to build wealth for you and your family.” If you have any questions for Trevor, you can reach him at 972-822-7408. As always, if you have any real estate questions, just give me a call or send me an email. I would be happy to help you!

Today I’m joined by special guest Trever Kerr from Gateway Mortgage for our third “Mortgage Minute.”  Our topic this time is VA loans. The VA loan is an amazing loan product helping veterans afford homes. As many people know, the product is 100% financing. But the best thing about VA loans is that there’s no monthly mortgage insurance charge.  Usually when you put down anything less than 20% on a home, you will be required to pay a monthly mortgage insurance fee. However, this is not the case with the VA loan. The VA loan is 0% down and doesn’t charge any monthly premium. This creates great savings.  Most veterans I’ve come across have the assumption that they can only make use of the VA loan once in their lifetime. While it’s true that the VA loan can only be used for primary residences, there are instances where it can be used twice. As long as the amount spent on the home is over $144,001, the VA loan may be used twice. It seems like an unusual number, but it’s simply the way things have been set up.  There is a cap for the loan, though. Usually on a second home, this cap will sit at about $297,000.  That aside, there are other benefits to this loan product. Veterans with a disability don’t need to pay a funding fee, which helps save money on closing costs.  “This loan can help put veterans into homes with next to nothing.” With this loan, Trever and I have helped to put veterans into homes with next to nothing. Sometimes, they even get a small amount of money back at the closing table.  Locally, the Texas Vet Program is an amazing extension of the VA loan. This program does charge a participation fee, but ultimately saves thousands in the long-term for veterans.  The participation fee depends on the sales price of the home. However, unlike the VA loan, the Texas Vet Program does not base your interest rate on your credit. The same low interest rate is offered for all veterans, as long as they can qualify. For disabled veterans, the interest rate is even lower at just 3.03%.  If you have any other questions or would like more information, feel free to give either of us a call or send us an email. We look forward to hearing from you soon.

If you’re thinking about buying a home, your first step before actually looking at homes should be to understand the mortgage lending process.  To help me broach this topic, I’m joined for the very first time today by my preferred lender, Trever Kerr of Gateway Mortgage. Trever has been in the business for 15 years, and I’ve been working with him for over 10 years. He’s the only lender I refer to my clients, and Gateway Mortgage makes many exceptions for their clients that other lenders can’t.  The first part of the mortgage lending process is to find out whether you qualify for a loan. If you don’t qualify, your lender can tell you what you need to do to get qualified down the road. In addition to knowing what you qualify for, you also have to work with your lender to know what your comfort level is as far as what your monthly payments will be. Even though you might qualify for a $300,000 home, you might only want payments on a $200,000 home.  If you don’t speak to a lender, you won’t know what your roadmap to homeownership is. Some people think they can qualify when they can’t, while others think they can’t qualify when they actually can. These people do the wrong things for their credit thinking they’re doing the right things, like paying off their collections once they think they’ll purchase a house soon. Trever and I both see this happen all the time.  “If you don’t speak to a lender, you won’t know what your roadmap to homeownership is.” Paying credit repair companies to help you fix your credit score isn’t necessarily the best idea, either. Many of these companies end up doing things that hurt their customers. To be clear, I’m not bashing the credit repair industry as a whole. There’s a place for it for some people, but overall, a lot of it is unnecessary, especially when you can call an expert like Trever and get his advice for free.  Your loan qualification guidelines in our current market can depend on the type of loan product you intend to get, but you can generally qualify with a credit score as low as 600. If you don’t have the cash for the down payment and closing costs, there are different gift programs available for first-time homebuyers.  Lastly, your debt-to-income ratio must also be in line. As a general rule of thumb, a debt-to-income ratio for the purchase of a home should be 35% of your total gross income before taxes. The second part of that ratio is the 45% of your total gross income you’re allowed to use to cover your house payment, taxes, insurance, and other bills. I want to thank Trever for helping me today. Stay tuned for more videos featuring both Trever and I where we’ll talk more in depth about credit scores, debt-to-income ratios, and other facets of the lending process. If you have any questions for him, you can call him at (972) 822-7408 or email him at Trever.Kerr@gatewayloan.com.  If you have any questions for me, please feel free to give me a call or shoot me an email. I’d be happy to help you.