Podcast appearances and mentions of geneva financial

Hi there, First Timers, ​Thanks for tuning into part 2 of my chat with Mortgage Advisor​ Jackie Zlatanovski from Geneva Financial. ​She shared extra gems today you won't want to miss. You will learn about: 1. Behind the scenes step by step lending process 2. ​How do your student loans impact getting approved 3. Prequalification vs Pre-Approval4. What documents she look for proof of income for salaried, hourly, and self-employed borrowers. ​Enjoy listening​ and share this podcast with someone you know who is looking to buy or sell a home this year. If you would like to connect with: Jackie Zlatanovski Mortgage Advisor | Geneva Financial NMLS# 1956001 Mobile: (702) 591-4575 jackie@genevafi.com  ------------------------ ​B​lessings to achiev​ing your real estate dreams! Your Trusted Real Estate Professional, Christal REALTOR® 0202693 https://WestOfThe15.com P.S.- If you live outside of Nevada and need a referral for a REALTOR® in your area, visit my website and email me. I have a vast network, and I'm happy to help.

Hi there, First Timers, Today ​​, you will hear my interview with Jackie Zlatanovski from Geneva Financial. Jackie is a Mortgage Advisor who also has a heart for first-timers. You will learn about: Why it's ok to be financially naked Options for sellers that need to buy at the same time When to start planning your home-buying process Why you are always paying a mortgage. ​Enjoy listening​ and share this podcast with someone you know who is looking to buy or sell a home this year. If you would like to connect with: Jackie Zlatanovski Mortgage Advisor | Geneva Financial NMLS# 1956001 Mobile: (702) 591-4575 jackie@genevafi.com  ------------------------ ​B​lessings to achiev​ing your real estate dreams! Your Trusted Real Estate Professional, Christal REALTOR® 0202693 https://WestOfThe15.com P.S.- If you live outside of Nevada and need a referral for a REALTOR® in your area, visit my website and email me. I have a vast network, and I'm happy to help.

The real estate and mortgage industries are facing major disruptions—are you ready? With the CFPB under Trump rolling back regulations and HUD layoffs threatening FHA loan processing, these changes could significantly impact Realtors, lenders, and homebuyers. In this episode, we break down how these shifts could reshape the housing market and what real estate professionals must do now to stay ahead.

Mortgage rates have been on a wild ride this year—first dropping and then climbing back up. Did you miss the boat on refinancing, or is there another chance down the road? In this episode, we dive deep into refinance rate trends and help you decide whether now is the right time to refinance, or if waiting for rates to drop again could save you even more.Detailed Episode OverviewIn this episode of The Texas Real Estate and Finance Podcast, Mike Mills, a North Texas Mortgage Banker with Geneva Financial, breaks down the latest refinance rate trends and why 2024 could be a pivotal year for homeowners. Mike explains the Fed's rate cuts and their impact on mortgage rates, highlighting who should consider refinancing now and who might want to wait. He also explores how refinancing could help homeowners with high-interest debt or those locked into higher rates from the past few years. From the fluctuating housing market to institutional investors buying up affordable homes, Mike covers all the crucial points realtors and homeowners need to know.Key TakeawaysUnderstanding Refinance Rate TrendsRefinancing has become a popular topic in 2024 as mortgage rates have fluctuated. While rates have dropped recently, they have also risen, making it essential to stay informed. Timing is critical, and waiting too long could result in missed opportunities to save.Who Should Consider Refinancing?Homeowners with high-interest debt or those who bought homes in the last 2-3 years at higher rates should think about refinancing. Even a slight drop in rates could lead to substantial savings over the life of the loan, and consolidating high-interest debt could improve monthly budgets.Impact of the Fed's Rate CutsThe Fed's recent rate cuts were designed to stimulate the economy, but mortgage rates have remained unpredictable. With fluctuating data, homeowners must carefully consider whether refinancing now is the right choice based on their personal circumstances and market conditions.Key Costs to Consider in RefinancingHomeowners should pay attention to closing costs, which can range from 2% to 5% of the loan amount. Calculating the break-even point is critical to determining whether refinancing will provide long-term savings, and options like rolling costs into the loan should be discussed with a lender.Important Questions to Ask Your LenderWhen refinancing, homeowners should ask about rate locks, closing costs, and what happens if rates drop again. These questions help ensure that refinancing makes financial sense, providing the best opportunity for long-term savings and flexibility.Resources Mentioned in This EpisodeGeneva FinancialLearn more about mortgage solutions and refinancing options:https://www.millsteammortgage.com/Mortgage News DailyStay updated on the latest mortgage rates and news:https://www.mortgagenewsdaily.comFederal Reserve Economic Data (FRED)Track the latest data on Fed rate cuts and economic trends:https://fred.stlouisfed.orgCoreLogic Housing ReportsAccess reports on home price trends and market forecasts:https://www.corelogic.comAltos ResearchDive into housing market data and insights:https://www.altos.reRedfin Report on Investor Home...

In today's fast-paced real estate market, technology isn't just an advantage—it's a necessity. Are you ready to transform how you close deals and provide better solutions to your clients? In this episode, we're diving into Zavvie's cutting-edge tech platform and how it can help real estate professionals like you thrive with tools like cash offers and buy-before-you-sell programs.In this episode of the Texas Real Estate and Finance Podcast, host Mike Mills sits down with Maya Velasquez, Head of Growth at zavvie, to explore how the zavvie Power Buyer platform is transforming real estate transactions. From innovative tech solutions like cash offers to buy-before-you-sell programs, Maya shares how real estate agents and brokers can leverage these tools to close more deals and stay competitive in today's tech-driven landscape. If you're a real estate professional looking to unlock new strategies and provide better solutions for your clients, this episode is a must-listen. Tune in to discover how you can future-proof your business and maximize opportunities using Zavvie's powerful tools.Key Takeaways:Embracing Tech is Non-NegotiableIn today's market, leveraging technology like AI and automation is essential for real estate professionals. Agents and brokers must stay ahead by integrating innovative tools like Zavvie's platform to close deals and offer better client solutions.Cash Offers as a Game-ChangerZavvie's cash offer programs are empowering buyers to make more competitive, non-contingent offers. Maya explains how turning clients into cash buyers can drastically improve their chances of winning bids in competitive markets.Buy-Before-You-Sell SolutionsZavvie's buy-before-you-sell product takes the stress out of transitioning between homes. By purchasing a client's new home in cash before their old home is sold, agents can offer a seamless experience that eliminates contingencies.Unlocking Transactions Through EducationEducating clients on available options, especially those who feel stuck due to current market conditions, is key. Real estate professionals who can explain creative solutions like buy-before-sell are more likely to engage clients who are hesitant to make a move.Future-Proof Your Business with TechAs the industry evolves, staying on top of tech trends is crucial. Maya highlights how real estate professionals who embrace tools like Zavvie's platform will have a competitive edge in a market increasingly driven by technology.Guest Bio:Maya Velasquez is the Head of Growth at zavvie, a company reshaping the real estate industry with innovative, tech-driven solutions. Maya has extensive experience in public relations and business development, previously working at The Tiber Group before joining zavvie. At zavvie, she helps real estate professionals leverage cutting-edge tools like cash offers and buy-before-you-sell programs to stay ahead in a competitive market.Resources:zavvie - Learn more about zavvie's innovative tech solutions for real estate professionals, including their cash offers and buy-before-you-sell programs. Visit: https://zavvie.comGeneva Financial - For more information on how Mike Mills and his team at Geneva Financial can help streamline your home loan process: https://www.genevafi.comLinkedIn - Follow Maya Velasquez and Zavvie for industry updates and success stories:

Think you know everything about First-Time Homebuyer Loans? Think again! In this episode, we break down the hidden truths behind these loans and reveal what every real estate professional should understand to navigate the 2024 housing market.Episode Overview:First-Time Homebuyer Loans are at the center of this insightful episode, where Mike Mills uncovers the truths and misconceptions surrounding these popular mortgage options. With the housing market in flux, understanding the nuances of these loans has never been more critical for real estate professionals. This episode covers everything from the latest mortgage rate drops to the implications of Josh Sitzer's new real estate platform, Landian. Additionally, Mike provides a sharp analysis of how proposed 2024 presidential housing policies might affect your business. Whether you're a seasoned realtor or new to the game, this episode is packed with actionable insights to help you stay ahead in 2024.Key Takeaways:1. Understanding First-Time Homebuyer LoansMike Mills breaks down the myths and realities of First-Time Homebuyer Loans, clarifying that there is no specific loan exclusively for first-time buyers. Instead, several loan types, such as FHA, VA, USDA, and conventional loans, come with their own sets of rules, benefits, and drawbacks that realtors need to understand.2. Mortgage Rate Trends and Their ImpactWith mortgage rates at their lowest in over a year, Mike discusses whether these rates are enough to boost a sluggish housing market. He provides insights into how the Federal Reserve's actions and broader economic conditions could influence future rate changes and what realtors should anticipate in the coming months.3. New Real Estate Platform Disrupting the MarketThe episode introduces Landian, a new real estate platform founded by Josh Sitzer and others, which is challenging traditional commission models. Mike provides a critical analysis of how this platform could impact real estate professionals and the broader market dynamics.4. Analysis of 2024 Presidential Housing PoliciesMike examines the housing policies proposed by Kamala Harris and Donald Trump for the 2024 presidential election, focusing on their potential impact on the real estate market. He discusses policy details like tax incentives for builders, down payment assistance, and changes to zoning regulations that could affect realtors.5. The Importance of Staying Informed and AdaptiveIn a rapidly changing real estate landscape, staying up-to-date on market trends, mortgage options, and policy changes is crucial. Mike emphasizes the need for realtors to remain adaptable and well-informed to provide the best advice and service to their clients in 2024 and beyond.Resources:Geneva Financial - Learn more about Geneva Financial and the mortgage services provided by Mike Mills at https://www.millsteammortgage.com.First-Time Homebuyer Programs in TexasTexas Department of Housing and Community Affairs (TDHCA) Programs: "My First Texas Home" and "My Choice Texas Home" - Visit https://www.tdhca.state.tx.us/homeownership/fthb/Texas State Affordable Housing Corporation (TSAHC) Programs for first responders, teachers, and veterans - Visit https://www.tsahc.org/homebuyers-renters.Southeast Texas Housing Finance Corporation (SETH) - "5-Star Texas Advantage Program" offering down payment and closing cost assistance - Visit http://www.sethfc.com/.Mortgage Rate UpdatesStay current with the latest mortgage...

Are you struggling to generate buyer leads in today's unpredictable real estate market? Discover nine powerful strategies that top agents are using to attract serious buyers and grow their business in 2024. Tune in to learn how you can master these real estate tactics and thrive amidst changing market conditions.Episode OverviewIn this episode, we dive deep into how to generate buyer leads with proven real estate tactics for 2024. Mike Mills guides realtors through nine effective steps to attract more buyers, from enhancing your local presence to creating compelling lead magnets and mastering email marketing. The episode offers valuable insights into the current market dynamics, including inventory trends, investor strategies, and rate predictions, that impact your lead generation efforts. Learn why hyper-local content and SEO are critical for visibility and why focusing on quality over quantity in social media can boost your reach. This episode equips you with the tools needed to thrive in a shifting real estate market.Key TakeawaysDevelop a Unique Selling Proposition (USP):A strong USP sets you apart from other real estate agents and helps generate buyer leads by clearly defining what makes you the best choice. Focus on a niche, whether it's first-time homebuyers, luxury listings, or relocation services, and tailor your marketing strategy around it. The more specific and unique your USP, the more likely you are to attract serious buyers.Modernize Traditional Door Knocking:Traditional door-knocking is reimagined as a softer, more engaging approach. Instead of hard selling, engage with neighborhoods by walking, handing out QR code-based marketing materials, and providing valuable local information. This strategy positions you as the local expert and drives traffic to your digital content like YouTube channels or websites.Create and Use Lead Magnets Effectively:Lead magnets like checklists, guides, or market updates can help capture potential buyer information and grow your contact database. Sharing valuable content on social media and through email marketing campaigns not only educates your audience but also establishes trust. The key is to offer high-quality, relevant information in exchange for contact details.Leverage Story-Driven Testimonials:Client testimonials that tell a compelling story can be far more powerful than standard reviews. Capture your clients' experiences and emotions, especially right after closing a deal, and share these stories on social media and other platforms. Authentic narratives help build credibility and connect with future buyers on a personal level.Focus on Hyper-Local Content and SEO:Creating hyper-local content that focuses on specific neighborhoods or communities can significantly enhance your SEO and visibility. Learn about local search trends, use relevant keywords, and make content that addresses what potential buyers are looking for. This targeted approach helps attract more leads by ensuring your content shows up in local searches.ResourcesGeneva Financial - Mike Mills' Mortgage ServicesLearn more about the mortgage services offered by Mike Mills through Geneva Financial. Visit: https://www.millsteammortgage.comTexas Real Estate and Finance PodcastStay updated with the latest episodes and insights from "The Texas Real Estate and Finance Podcast." Visit: https://www.thetexasrealestateandfinancepodcast.com/Real Estate Lead Magnets on CanvaCreate effective lead...

Unlock the secrets to lower mortgage payments and better homebuying decisions with Mike Mills! This episode is packed with streamline refinance tips and crucial updates on the current interest rates. Perfect for realtors and homeowners aiming to stay ahead in the Texas real estate market.In this episode of the Texas Real Estate and Finance Podcast, Mike Mills delves into essential streamline refinance tips to help you reduce your mortgage payments. He provides an in-depth analysis of current mortgage rate updates and how they affect the Texas real estate market. Key topics include housing market trends, increasing inventory, and economic factors influencing interest rates. Mike also shares insights on the best times to buy a car and recent changes in non-compete agreements. This episode is packed with Mike's expert advice, making it a must-listen for realtors and homeowners looking to make informed decisions.Key TakeawaysStreamline Refinance TipsStreamline refinances offer a simplified way to lower your mortgage payments with less hassle. Mike explains the benefits, including reduced documentation and the possibility of no appraisal. Learn how these refinances can be cost-effective and help manage your mortgage better.Current Mortgage Rate TrendsUnderstanding the latest mortgage rate trends is crucial for making informed real estate decisions. Mike discusses how recent interest rate changes affect the Texas housing market, providing insights into future rate expectations and their potential impact on homebuyers and investors.Rising Housing InventoryThe Texas real estate market is seeing a significant increase in housing inventory. Mike highlights how this rise could lead to a potential shift towards a buyer's market, offering more opportunities for prospective homeowners to find their ideal property at competitive prices.Best Time to Buy a CarMike offers timely advice on purchasing used cars, noting that the fall season presents a prime opportunity for buyers. He explains the factors contributing to lower car prices and higher availability, making it a smart move for those considering a vehicle purchase.Changes in Non-Compete AgreementsRecent changes in non-compete agreements have made it easier for employees to switch jobs. Mike discusses how this shift impacts job mobility and competition in the labor market, providing listeners with valuable information on how these changes could benefit their career moves.Time Stamped Summary(0:00 - 0:26) Introduction and PCE Report PreviewMike Mills highlights the importance of the upcoming Personal Consumption Expenditures (PCE) report for June.Discusses the expectations that the PCE metric likely fell, which could lead to lower interest rates and a potential rate cut by the Fed in September.(0:27 - 0:54) Welcome and Episode OverviewMike Mills introduces himself as the host and a North Texas mortgage banker with Geneva Financial.Overview of the episode's focus: falling interest rates, housing affordability, potential buyer's market in Texas, car buying tips, job market changes, and streamline refinance options.(0:55 - 1:07) Interest Rates FallingAnnouncement of falling interest rates and the potential costs associated with lower rates.(1:08 - 1:24) Housing Affordability and Market TrendsDiscussion on housing affordability and why a housing crash is unlikely.Insight into a potential buyer's market emerging in Texas.(1:25 - 1:34) Car Buying AdviceAdvice for those considering buying a car...

Join Mike Mills as he unravels the secrets to thriving in today's fluctuating real estate market. From declining mortgage rates to refinancing strategies, this episode is packed with invaluable insights for Texas realtors and investors. Don't miss out on the key strategies that could transform your real estate game in 2024.Join Mike Mills in this enlightening episode as he explores refinance tips for 2024 and their significance for Texas homeowners. This episode covers a comprehensive overview of current mortgage rate trends, including their impact on the real estate market. Key topics include the benefits of refinancing in today's economy, strategies for navigating declining interest rates, and understanding the role of inventory levels. Mike also discusses the surprising trend of single women outpacing men in homeownership and what this means for realtors. Stay tuned for expert advice on how to thrive in the ever-changing Texas real estate landscape.Key Takeaways:Declining Mortgage Rates:Mortgage rates are currently on a downward trend, offering significant opportunities for refinancing. Mike Mills explains how this can benefit Texas homeowners by reducing monthly payments and overall loan costs. Understanding these trends is crucial for making informed refinancing decisions in 2024.Refinance Strategies:Mike outlines various refinance options available, including rate and term refinances, cash-out refinances, and streamline refinances. He provides a step-by-step guide on how to assess whether refinancing is the right move, focusing on breaking even on costs within three years to ensure financial benefits.Impact of Economic Conditions:The episode delves into how broader economic factors, such as inflation and unemployment rates, influence mortgage rates and the real estate market. Mike discusses the potential for a Fed rate cut and what it could mean for homeowners and realtors in Texas.Rising Housing Inventory:Increased housing inventory in Texas is a key topic, as it affects both affordability and market dynamics. Mike highlights how this trend can be advantageous for buyers, providing more options and potentially leading to lower home prices in the long run.Single Women Leading Homeownership:An intriguing trend discussed is the growing number of single women purchasing homes compared to single men. Mike examines the implications of this demographic shift for real estate marketing and how realtors can better target and serve this expanding segment of homebuyers.Time Stamped Summary0:00 - 0:26 | Introduction: Costs of LoansDiscussion on the inevitability of costs in loans, regardless of internet advertisements.Mention of title fees, credit reporting fees, appraisal fees, and recording charges.0:26 - 1:12 | Market Update and Host IntroductionMike Mills introduces the episode as a Real Estate Market Update for January 16th.Positive outlook on the declining market with rising inventory and declining interest rates.Introduction of Mike Mills as the host and his role as a North Texas mortgage banker with Geneva Financial.1:12 - 2:08 | Home Buying Process and ExpertiseMike emphasizes his expertise in simplifying the home buying process for clients.Discussion on how his team helps clients navigate high home prices, insurance costs, and interest rates.Mention of the team's goal to make the home buying experience smooth and garner referrals.2:08 - 2:29 | Mortgage Rates OverviewOverview of the recent changes in mortgage rates, highlighting a drop to the 6% range.Explanation of how these changes impact the real estate market...

Wondering how the latest mortgage rates forecast will impact your real estate business? We've got you covered with an in-depth analysis of current trends and future predictions. Learn how to leverage this information for your clients' success.In this episode of The Texas Real Estate and Finance Podcast, host Mike Mills delivers an insightful mortgage rates forecast, providing a detailed analysis of current figures and future predictions. He examines the housing inventory in North Texas, which has reached a 12-year high, and discusses its impact on home prices. Mike also highlights which agents are currently selling the most real estate and explores Netflix's innovative bid to help the commercial real estate sector. Additionally, he delves into fascinating scientific news about the Earth's core slowing down and explains a valuable tool for predicting future interest rates.Key TakeawaysMortgage Rates Forecast AnalysisMike Mills provides an in-depth analysis of the current mortgage rates, revealing that rates remain stubbornly high around the 7% mark. He explains the factors influencing these rates, including government spending and economic conditions, and shares predictions from Fannie Mae and Bank of America for the coming years.North Texas Housing Inventory SurgeHousing inventory in North Texas has hit a 12-year high, significantly impacting home prices. Mike discusses how this increase in supply is affecting the market, with prices showing both declines and unexpected stability in different areas, and what it means for buyers and sellers.Top Real Estate Agents RevealedDiscover which agents are leading the real estate market despite challenging conditions. Mike highlights a study showing that the top 1% of realtors make up a significant portion of home sales, particularly in Texas, and shares insights into the skills and strategies that set these top performers apart.Netflix's Bid to Revitalize Commercial Real EstateNetflix is making a bold move to support the struggling commercial real estate sector by opening new entertainment venues. Mike details how these Netflix House locations aim to attract visitors with immersive experiences, potentially setting a trend for commercial property use.Scientific Insights: Earth's Core and Day LengthIn a fascinating segment, Mike discusses recent scientific findings about the Earth's core slowing down, which is causing days to get slightly longer. He explores the potential implications of this phenomenon and ties it into the broader theme of market unpredictability.Time Stamped Summary0:00 - 0:18 IntroductionMike Mills welcomes listeners to The Texas Real Estate and Finance Podcast and introduces himself as a North Texas mortgage banker with Geneva Financial.0:19 - 1:28 Personal UpdateMike shares details about his recent travels, including a cruise to Alaska and a trip to the Manning Passing Academy in Louisiana with his son.1:29 - 2:00 Mortgage ServicesMike briefly mentions the services he offers, emphasizing his team's expertise in various loan types.2:01 - 2:15 Call to ActionMike encourages listeners to share the podcast, like, comment, and review to help reach more people.2:16 - 2:48 Mortgage Rates Forecast IntroductionMike introduces the main topic, discussing the current state of mortgage rates and their stubbornly high levels around the 7% mark.2:49 - 4:12 Detailed Mortgage Rates AnalysisMike provides specific current mortgage rates for different loan types (conventional, FHA, VA, jumbo) and explains the economic factors keeping rates high.4:13 - 5:09 Government Spending ImpactMike discusses the impact of government spending on mortgage rates, emphasizing deficit...

Ready to unlock the latest insights on Texas mortgage trends? Join Mike Mills as he breaks down rising rates, skyrocketing insurance costs, and what these mean for the summer housing market. Dive in to learn how these trends could impact your next big investment.In this episode of The Texas Real Estate and Finance Podcast, Mike Mills dives into the current Texas mortgage trends, offering a comprehensive update on the ever-changing real estate market. He begins by examining the recent rise in mortgage rates, explaining the factors pushing rates above 7% and what this means for the summer buying season. Mike also sheds light on the skyrocketing home insurance premiums in Texas, discussing how these costs can impact homebuyers' loan qualifications. The episode provides valuable insights into the latest housing inventory data for both the national and DFW markets, highlighting increasing inventory levels and their implications for affordability. Additionally, Mike covers important updates on VA loan commission changes and explores various home equity loan options available to homeowners. Whether you're a realtor, investor, or homebuyer, this episode is packed with essential information to help you navigate the Texas real estate market.Key Takeaways:Rising Mortgage Rates:Mortgage rates have recently climbed back over 7%, influenced by strong economic data. Mike explains how factors such as GDP and inflation reports impact these rates and what this means for the real estate market over the summer. Understanding these trends is crucial for realtors and investors to make informed decisions.Increased Housing Inventory:Inventory levels are on the rise both nationally and in the DFW area, with a 37% increase in listings compared to last year. This growth provides more options for buyers and can help stabilize home prices. Mike highlights how this trend is beneficial for home affordability and market dynamics.Skyrocketing Home Insurance Costs:Home insurance premiums in Texas have seen significant increases, now averaging around $4,000 per year. Mike discusses the reasons behind these rising costs, including the impact of frequent and severe weather events. He emphasizes the importance of getting insurance quotes early in the home-buying process to avoid potential loan qualification issues.VA Loan Commission Changes:Upcoming changes to VA loan commission rules could have a substantial impact on veterans and realtors. Starting in August, VA buyers may face challenges if sellers are unwilling to pay agent commissions. Mike shares the latest updates on potential fixes and how these changes aim to level the playing field for VA buyers.Leveraging Home Equity:With high levels of home equity and rising credit card debt, homeowners have several options to access their equity, such as home equity loans and HELOCs. Mike explains the benefits and drawbacks of these financial tools, providing listeners with strategies to manage debt and improve cash flow. This knowledge can be a game-changer for realtors looking to assist their clients effectively.Time Stamped Summary:0:08 - 0:21Introduction:Mike Mills welcomes listeners to the Texas Real Estate and Finance Podcast. He introduces himself as a North Texas mortgage banker with Geneva Financial and mentions the peak home buying season.0:21 - 0:47Host Background:Mike shares his background, highlighting his expertise in helping clients with unique loan situations. He encourages listeners to reach out for assistance with out-of-the-box mortgage needs.0:47 - 1:10Episode Overview:Mike outlines the topics for the episode, including mortgage interest rates, housing inventory, home insurance premiums, VA rule changes, and home equity loans.1:10 -

The first episode of "Now You Know" with Caeli Ridge is here !Caeli is going to walk you through calculating your income for mortgage loans as a self-employed person and what this means when applying for a mortgage loan. For more education and access to live events join our Community here ! https://community.ridgelendinggroup.com/events/live-with-caeliAs always, give Ridge Lending Group a call if you have any questions at 855-747-4343 or email us at info@RidgeLendingGroup.comCopyright ©2024 Geneva Financial, LLC, DBA Ridge Lending GroupNMLS #42056  |  BK #0910215  |  CA License #CA-DBO9556 | Massachusetts Licensed Lender #ML42056 | An Equal Housing Lender  |  All Rights Reserved

Unlock the secrets behind the housing market shortage and the relentless rise in rent prices. This episode offers a critical analysis and expert insights into the real estate trends that matter most.Detailed Episode Overview:With the housing market shortage as our focus, this episode pulls back the curtain on the factors driving up home prices and rents. Mike Mills guides listeners through a detailed exploration of the real estate market, highlighting Logan Mohtashami's predictions on mortgage rates and shedding light on the concerning trends of rent price fixing and the role of corporate landlords in exacerbating the housing crisis.Key Takeaways:Understanding the Housing Market ShortageThe current housing market shortage is a complex issue with far-reaching implications. Mike Mills discusses the gap between household formations and new construction, highlighting the impact on affordability and the American dream of homeownership.Mortgage Rate DynamicsThis episode delves into the fluctuating world of mortgage rates. Insights from Logan Mohtashami provide listeners with a better understanding of the economic factors influencing rates and their effect on the housing market.The Impact of Corporate Landlords and Rent Price FixingCorporate landlords and rent price fixing are driving the national rent crisis. The episode explores Realpage's controversial practices and the broader implications for tenants and the housing market.The Financial Benefits of HomeownershipDespite challenges, homeownership remains a key to financial stability. This episode outlines the benefits of owning a home, contrasting these with the uncertainties and escalating costs of renting.The Critical Role of Market EducationEducating clients and the public on the realities of the housing market is crucial. Mike emphasizes the importance of informed decision-making in navigating today's complex real estate landscape.00:00:08 - 00:00:34 | IntroductionMike Mills welcomes listeners, setting the stage for a discussion on the housing market's challenges and the importance of homeownership.00:00:34 - 00:00:47 | Host IntroductionIntroduction to Mike Mills, a North Texas mortgage banker with Geneva Financial, emphasizing his passion for helping people navigate the world of loans.00:00:47 - 00:01:21 | The Housing Shortage CrisisDiscussion on the current US housing shortage and its implications for real estate prices and accessibility.00:01:21 - 00:01:48 | Insights on Mortgage RatesBreakdown of Logan Mohtashami's insights on mortgage rates and predictions for the future.00:01:48 - 00:02:05 | Listener Engagement CallMike encourages listeners to engage with the podcast through likes, comments, and shares.00:02:05 - 00:02:23 | Interest Rates UpdateAn update on last week's mortgage rates, including a tease of rates dropping below 7%.00:02:23 - 00:02:57 | Analysis by Logan MohtashamiIn-depth look at Logan Mohtashami's article on mortgage rates, influenced by job data and Federal Reserve comments.00:02:57 - 00:03:21 | Forecast on Ten Year YieldExploration of the 2024 forecast for the ten-year yield and its impact on mortgage rates.00:03:21 - 00:03:44 | Recent Trends in Mortgage RatesDiscussion on the recent drop in mortgage rates to 6.875% and its effect on the housing market.00:03:44 - 00:04:10 | Inventory and Home Pricing...

Caeli Ridge recorded this episode on 2/20/2024 Remote Real Estate Investing : Pros, Cons & TipsCaeli details the Pros, Cons and Tips to Master Remote Real Estate Investing including diversifying portfolios, thorough research, build reliable local teams, embracing technology, finding reliable property managing partnerships and other topics! https://www.narpm.org/Check out the video with the screen share and the documentation in the Community and our YouTube Channel.https://www.youtube.com/c/RidgeLendingGroupYou can join these live  by following this link to join the call:https://community.ridgelendinggroup.com/events/live-with-caeliAs always, give Ridge Lending Group a call if you have any questions at 855-747-4343 or email us at info@RidgeLendingGroup.comCopyright ©2024 Geneva Financial, LLC, DBA Ridge Lending GroupNMLS #42056  |  BK #0910215  |  CA License #CA-DBO9556 | Massachusetts Licensed Lender #ML42056 | An Equal Housing Lender  |  All Rights Reserved

Caeli Ridge recorded this episode on 2/6/2024 When is the Right Time to Refi? Let's do the Math! In today's call Caeli discussed the things you should be looking at when you are deciding whether or not to refinance your property. She outlines the checklist that she would recommend you doing before making your decision, to cover all of your bases and make sure that the math is adding up to be the shortest amount of time to recapture your costs in the process. Check out the video with the screen share and the documentation in the Community and our YouTube Channel.https://www.youtube.com/c/RidgeLendingGroupYou can join these live  by following this link to join the call:https://community.ridgelendinggroup.com/events/live-with-caeliAs always, give Ridge Lending Group a call if you have any questions at 855-747-4343 or email us at info@RidgeLendingGroup.comCopyright ©2024 Geneva Financial, LLC, DBA Ridge Lending GroupNMLS #42056  |  BK #0910215  |  CA License #CA-DBO9556 | Massachusetts Licensed Lender #ML42056 | An Equal Housing Lender  |  All Rights Reserved

Caeli Ridge recorded this episode on 1/23/2024 Guest Speaker Sam Parker with My Credit Guy Sam Parker of My Credit Guy joins the podcast today to talk about credit, credit repair, the percentages of the different points that make up your credit score, and some really interesting tips and tricks of the trade for building your credit and maintaining a high credit score while investing in real estate. Sam & Caeli have some great Q&A where Sam details a few things you can do to improve your credit score, and how his company can help you in achieving better credit scores by following their personalized guides. Sam also shared with us his website where he partners with Experian, creditsitter.com You can find Sam at mycreditguy.com or www.team-parker.com Check out the video with the screen share and the documentation in the Community and our YouTube Channel.https://www.youtube.com/c/RidgeLendingGroupYou can join these live  by following this link to join the call:https://community.ridgelendinggroup.com/events/live-with-caeliAs always, give Ridge Lending Group a call if you have any questions at 855-747-4343 or email us at info@RidgeLendingGroup.comCopyright ©2024 Geneva Financial, LLC, DBA Ridge Lending GroupNMLS #42056  |  BK #0910215  |  CA License #CA-DBO9556 | Massachusetts Licensed Lender #ML42056 | An Equal Housing Lender  |  All Rights Reserved

Do you want to excel in fluctuating market conditions and achieve greater success in your real estate business? I will be revealing the key strategies and tactics to help you thrive and prosper in ever-changing market environments. By implementing these solutions, you can experience improved adaptation to market shifts and increased triumph in your real estate endeavors. Join me as we explore the tools and techniques necessary for navigating and succeeding in dynamic real estate markets.In this episode, Aaron VanTrojen, CEO of Geneva Financial, shares his insights on thriving in the ever-changing real estate market. He discusses his experiences during the market crash of 2008 and emphasizes the importance of adapting to market conditions. VanTrojen highlights the need for a realistic assessment of the market, cautioning against blind optimism, and encourages the audience to listen to reliable sources such as the Federal Reserve for valuable insights. He also delves into the significance of building a strong database in the real estate industry, focusing on human interaction and genuine care for clients beyond transactional relationships. VanTrojen's disciplined approach, goal-oriented mindset, and commitment to personal fitness serve as valuable lessons for real estate professionals looking to thrive in the evolving market. His strategies for achieving success in the mortgage industry, emphasizing the importance of treating it as a numbers game, targeting specific market segments, and delivering value to clients, offer practical and actionable insights for real estate professionals to adapt and succeed in changing market conditions.,Compare and Thrive: Uncover strategies to thrive in changing real estate market conditions by learning from past market crashes.Adapting for Success: Discover effective tactics to adapt and excel in evolving real estate market conditions.Future Outlook Insights: Gain valuable insights into the economic outlook for 2024 and how it will impact the real estate market.Market Influences Demystified: Uncover the key factors that influence the real estate market and how to navigate them for success.Database Building Mastery: Unlock the importance of building a strong database and how it can elevate your real estate business.Consider reaching out to companies, organizations, and potential homebuyers in the community to offer educational presentations on the responsibilities of homeownership and financial planning.Engage with potential clients on social media by providing valuable information and responding to their interactions with genuine care and interest.Focus on building a database of prospective borrowers, real estate agents, and potential recruits, and consistently engage with them to build lasting relationships.Prioritize providing value and personalized service to sophisticated borrowers, emphasizing the expertise and quality of service that justifies a higher cost.Emphasize the importance of being intentional and focused in your business approach, rather than trying to cater to everyone, and seek to provide specialized value to your target audience.https://www.facebook.com/facebook.com/millsmortgage/https://www.linkedin.com/linkedin.com/in/mike-mills-49a09621/https://www.youtube.com/youtube.com/@mikemillsmortgagehttps://www.youtube.com/youtube.com/@mikemillsmortgagehttps://www.twitter.com/twitter.com/mikemillsMTG

Kristi Nowrouzi is a dedicated advocate for financial literacy, committed to helping people understand their relationship with money and their financial mindset. She boasts a wealth of expertise as a credit specialist, financial professional, Mortgage Loan Officer, and Branch Manager at Geneva Financial.

Caeli Ridge recorded this episode on 1/2/2024 Creative Financing Strategies for Non-Owner Occupied Portfolios Caeli Ridge discusses some really creative options that Ridge Lending Group can offer as it relates to purchases and refinances. Ever wondered about some alternative ways to get funding for your next home or investment property? Tune it to hear about all that Ridge Lending Group offers! Check out the video with the screen share and the documentation in the Community and our YouTube Channel.https://www.youtube.com/c/RidgeLendingGroupYou can join these live  by following this link to join the call:https://community.ridgelendinggroup.com/events/live-with-caeliAs always, give Ridge Lending Group a call if you have any questions at 855-747-4343 or email us at info@RidgeLendingGroup.comCopyright ©2024 Geneva Financial, LLC, DBA Ridge Lending GroupNMLS #42056  |  BK #0910215  |  CA License #CA-DBO9556 | Massachusetts Licensed Lender #ML42056 | An Equal Housing Lender  |  All Rights Reserved

Caeli Ridge recorded this episode on 12/26/2023 Risk Management: Understanding Through a Lenders Perspective Caeli Ridge will go through the understanding of risk management as it pertains to the lender, so that investors can have a better understanding of what is going on behind the scenes when it comes to investing in real estate. She will round out the episode by discussing the state of the market and what can be expected in the new year, 2024! Check out the video with the screen share and the documentation in the Community and our YouTube Channel.https://www.youtube.com/c/RidgeLendingGroupYou can join these live  by following this link to join the call:https://community.ridgelendinggroup.com/events/live-with-caeliAs always, give Ridge Lending Group a call if you have any questions at 855-747-4343 or email us at info@RidgeLendingGroup.comCopyright ©2023 Geneva Financial, LLC, DBA Ridge Lending GroupNMLS #42056  |  BK #0910215  |  CA License #CA-DBO9556 | Massachusetts Licensed Lender #ML42056 | An Equal Housing Lender  |  All Rights Reserved

Caeli Ridge recorded this episode on 12/12/2023 Guest Speaker Brent Widman from Southwestern Consulting joins today as our guest speaker. Caeli and Brent have a great Q&A on what it means to stay consistent in life and discuss the power of writing your goals down in order to achieve them. They discuss many personal insights on what it means to be successful, and what drives us all! You can contact Brent Widman at bwidman@southwesternconsulting,com or call or text him at 507-382-7641. He offers a 30 minute business action plan so please check him out to help you reach your goals!  Check out the video with the screen share and the documentation in the Community and our YouTube Channel.https://www.youtube.com/c/RidgeLendingGroupYou can join these live  by following this link to join the call:https://community.ridgelendinggroup.com/events/live-with-caeliAs always, give Ridge Lending Group a call if you have any questions at 855-747-4343 or email us at info@RidgeLendingGroup.comCopyright ©2023 Geneva Financial, LLC, DBA Ridge Lending GroupNMLS #42056  |  BK #0910215  |  CA License #CA-DBO9556 | Massachusetts Licensed Lender #ML42056 | An Equal Housing Lender  |  All Rights Reserved

Explore the world of real estate as financing as we delve into the intricacies of reverse mortgages for purchases with insights from Jim Liberty, Branch Manager at Geneva Financial. Discover how this unique financial tool can open doors for homebuyers in unexpected ways. Tune in as we provide some expert advice and practical tips that would reshape your approach to real estate. To schedule a complimentary consultation with us or to find more resources and information, please visit www.lowepropertyteam.comThanks for listening! Follow us on Facebook and Instagram.

Caeli Ridge recorded this episode on 11/28/2023 Have you ever been hit with a property tax bill that far exceeded your expectations? You've come to the right place ! Caeli breaks down property tax definitions for us as well as showing us how you can know exactly what you'll be paying in property taxes based on the county in which your property resides. We dive into a Q & A after this explanation as well as some news, updates and expectations for rates and other real estate investment pieces. Check out the video with the screen share and the documentation in the Community and our YouTube Channel.https://www.youtube.com/c/RidgeLendingGroupYou can join these live  by following this link to join the call:https://community.ridgelendinggroup.com/events/live-with-caeliAs always, give Ridge Lending Group a call if you have any questions at 855-747-4343 or email us at info@RidgeLendingGroup.comCopyright ©2023 Geneva Financial, LLC, DBA Ridge Lending GroupNMLS #42056  |  BK #0910215  |  CA License #CA-DBO9556 | Massachusetts Licensed Lender #ML42056 | An Equal Housing Lender  |  All Rights Reserved

Learn about Florida's newest down payment programs with special guest host Trashell Crawford from Geneva Financial. On this episode, we'll discuss how buyers are taking advantage of getting new home mortgages without paying any money down! Watch the YouTube version of this podcast here: https://youtu.be/_6OC0SMo9Gs Apply with Trashell here: https://smart1003.preapprovemeapp.com?CompanyID=3449&OfficerID=240547&RealtorID=252595 Sign up for Unlimited Disputes with Credit Repair Hacks: https://creditrepairhacks.page/free Buy my new book! "How I Fixed My Own Credit in 6 Months": https://creditrepairhacks.page/hifmoc-in-6-months How to Calculate Your DTI Youtube video: https://youtu.be/ueaOelrMXRY --- Send in a voice message: https://podcasters.spotify.com/pod/show/teamdsaul/message

Guest Speaker Alex Hines Caeli Ridge pre-recorded this episode on 11/3/2023 Caeli and Guest Speaker ( & Ridge Lending Group Borrower) Alex Hines discuss how he has been so successful in real estate investing in just the few years he has been doing it.They go into detail about his properties and how he has been able to fix and flip while still turning a great passive income on his properties.  Check out the video with the screen share and the documentation in the Community and our YouTube Channel.https://www.youtube.com/c/RidgeLendingGroupYou can join these calls live by clicking on this registration link.  As always, give Ridge Lending Group a call if you have any questions at 855-747-4343 or email us at info@RidgeLendingGroup.comCopyright ©2023 Geneva Financial, LLC, DBA Ridge Lending GroupNMLS #42056  |  BK #0910215  |  CA License #CA-DBO9556 | Massachusetts Licensed Lender #ML42056 | An Equal Housing Lender  |  All Rights Reserved

Edit DeleteHow to Prepare for Year-End-Investor Push for Tax Write-Offs DescriptionCaeli Ridge pre-recorded this episode on 10/17/2023 Caeli dives into how to prepare for the year-end closings and investor pushes for tax write-offs.98% of our industry is only focused on non-owner-occupied transactions. For non-owner-occupied transactions, the end of the year is the slowest but for investors, it is the busiest time of year because everyone is cramming to get year-end tax credits.Closing transactions earlier is key but starting now is not too late. Make sure you have all the necessary documents ready and available.Check out the video with the screen share and the documentation in the Community and our YouTube Channel.https://www.youtube.com/c/RidgeLendingGroupYou can join these live each week by following this link to join the call:https://community.ridgelendinggroup.com/events/live-with-caeli-each-tuesday-beginning-at-430-pm-et/listAs always, give Ridge Lending Group a call if you have any questions at 855-747-4343 or email us at info@RidgeLendingGroup.comCopyright ©2023 Geneva Financial, LLC, DBA Ridge Lending GroupNMLS #42056  |  BK #0910215  |  CA License #CA-DBO9556 | Massachusetts Licensed Lender #ML42056 | An Equal Housing Lender  |  All Rights Reserved

Caeli Ridge pre-recorded this episode on 10/3/2023 Caeli introduces a new product Ridge Lending Group has - Cross Collateralization Line of Credit for Investment Properties!Individual or Multi-Unit Properties, Residential or Commercial Housing up to 24 units. Starts as minimum line amount of 1 million, and goes all the way to 25 million. 80% LTV, 18-24 month terms, Purchase or Refinance with fixed or floating rate options. Foreign Nationals are eligible for this product. Or in any state other than NY or ND. Interest Rate based off of SOFR (Secured Overnight Funds Rate) + 5.25Time to Close- 20 days on Average. Pre-Payment Penalty = 0Recourse and Non-Recourse Options Available. Anything over 3 Million will automatically be Recourse. Check out the video with the screen share and the documentation in the Community and our YouTube Channel.https://www.youtube.com/c/RidgeLendingGroupYou can join these live each week by following this link to join the call:https://community.ridgelendinggroup.com/events/live-with-caeli-each-tuesday-beginning-at-430-pm-et/listAs always, give Ridge Lending Group a call if you have any questions at 855-747-4343 or email us at info@RidgeLendingGroup.comCopyright ©2023 Geneva Financial, LLC, DBA Ridge Lending GroupNMLS #42056  |  BK #0910215  |  CA License #CA-DBO9556 | Massachusetts Licensed Lender #ML42056 | An Equal Housing Lender  |  All Rights Reserved

Caeli Ridge recorded this episode on 9/19/2023Guest Speaker Daniel Paloscio This week's guest speaker is Daniel Paloscio from SEP Capital. He is a seasoned private lender with more than a decade of experience in residential real estate. His track record includes over 600 loans successfully closed since 2013. This extensive experience in the industry has honed his ability to attract and underwrite high-quality, low-risk private mortgages, ultimately leading him to start SEP Capital. Caeli and Daniel have a Q& A session detailing some of the biggest questions about SEP capital, how it works, what you need to do to become an investor, and lots more!  You can contact Daniel Paloscio at daniel@sepcapital.com or visit sepcapital.com Check out the video with the screen share and the documentation in the Community and our YouTube Channel.https://www.youtube.com/c/RidgeLendingGroupYou can join these live each week by following this link to join the call:https://community.ridgelendinggroup.com/events/live-with-caeli-each-tuesday-beginning-at-430-pm-et/listAs always, give Ridge Lending Group a call if you have any questions at 855-747-4343 or email us at info@RidgeLendingGroup.comCopyright ©2023 Geneva Financial, LLC, DBA Ridge Lending GroupNMLS #42056  |  BK #0910215  |  CA License #CA-DBO9556 | Massachusetts Licensed Lender #ML42056 | An Equal Housing Lender  |  All Rights Reserved

Caeli Ridge recorded this episode on 9/5/2023uDirect IRA Services with Special Guest Speaker Kaaren Hall Kaaren Hall founded and made a resounding success of uDirect IRA Services. She discovered a strategic way to put her 20+ year experience in mortgage banking, real estate and property management to use. The solution was an untapped market for both her skills and for Investors- self-directed IRAs. Through uDirect, she has guided tens of thousands of Americans through the process of diversifying their investments using self-directed IRAs with $1B+ Under Management. In this recording, Real Estate Investors will learn how to use their retirement savings to invest in real estate and how to use the retirements savings of others for your real estate projects. Check out her services at udirectira.com or email info@udirectira.comCheck out the video with the screen share and the documentation in the Community and our YouTube Channel.https://www.youtube.com/c/RidgeLendingGroupYou can join these live each week by following this link to join the call:https://community.ridgelendinggroup.com/events/live-with-caeli-each-tuesday-beginning-at-430-pm-et/listAs always, give Ridge Lending Group a call if you have any questions at 855-747-4343 or email us at info@RidgeLendingGroup.comCopyright ©2023 Geneva Financial, LLC, DBA Ridge Lending GroupNMLS #42056  |  BK #0910215  |  CA License #CA-DBO9556 | Massachusetts Licensed Lender #ML42056 | An Equal Housing Lender  |  All Rights Reserved

Caeli Ridge recorded this episode on 8/29/2023The Income Snowball with Tanisha Souza from Tardus Wealth StrategiesTanisha presents her Income Snowball method of acquiring rental properties and how to build a real estate portfolio fast in any market. She details how Tardus and their patented calculator can help you in achieving financial freedom. Her presentation goes into detail on how to buy rentals without using savings ( Not the BRRR Method), how to acquire multiple assets with the same dollars, build a rental portfolio fast, creative massive monthly cash flow reserves and how to always be prepared for Real Estate buying opportunities. Check out the video with the screen share and the documentation in the Community and our YouTube Channel.https://www.youtube.com/c/RidgeLendingGroupYou can join these live each week by following this link to join the call:https://community.ridgelendinggroup.com/events/live-with-caeli-each-tuesday-beginning-at-430-pm-et/listAs always, give Ridge Lending Group a call if you have any questions at 855-747-4343 or email us at info@RidgeLendingGroup.comCopyright ©2023 Geneva Financial, LLC, DBA Ridge Lending GroupNMLS #42056  |  BK #0910215  |  CA License #CA-DBO9556 | Massachusetts Licensed Lender #ML42056 | An Equal Housing Lender  |  All Rights Reserved

Caeli Ridge recorded this episode on 8/15/2023Amortized vs. Interest Only LoansThis week Caeli will be going into  detail about  Amortized (Close Ended) vs. Interest Only (Open Ended) Loans. She will highlight the differences and when you should be looking at either one as an option for your next loan transaction depending on your scenario. Check out the video version on our YouTube page to see the Loan Amortization Schedule she is using and follow along.  https://youtu.be/ezHbjDy5iDoQ&A throughout the episode on these topics and more!Check out the video with the screen share and the documentation in the Community.You can join these live each week by following this link to join the call:https://community.ridgelendinggroup.com/events/live-with-caeli-each-tuesday-beginning-at-430-pm-et/listAs always, give Ridge Lending Group a call if you have any questions at 855-747-4343 or email us at info@RidgeLendingGroup.comCopyright ©2023 Geneva Financial, LLC, DBA Ridge Lending GroupNMLS #42056  |  BK #0910215  |  CA License #CA-DBO9556 | Massachusetts Licensed Lender #ML42056 | An Equal Housing Lender  |  All Rights Reserved

Caeli Ridge recorded this episode on 8/1/2023DSCR vs. Conventional Loans & How to Compare Percentages of LTV's. Tune in to this week's Calling All Real Estate Investors live event with Caeli to learn the differences between a DSCR (Debt Service Coverage Ratio) Loan and a Conventional Loan.  Caeli will also review how to do the math when comparing LTVs (Loan to Value) per transaction. When should you pocket the extra down payment vs. when you should put more down. Q&A throughout the episode on these topics and more!Check out the video with the screen share and the documentation in the Community.You can join these live each week by following this link to join the call:https://community.ridgelendinggroup.com/events/live-with-caeli-each-tuesday-beginning-at-430-pm-et/listAs always, give Ridge Lending Group a call if you have any questions at 855-747-4343 or email us at info@RidgeLendingGroup.comCopyright ©2023 Geneva Financial, LLC, DBA Ridge Lending GroupNMLS #42056  |  BK #0910215  |  CA License #CA-DBO9556 | Massachusetts Licensed Lender #ML42056 | An Equal Housing Lender  |  All Rights Reserved

On this episode, we had the privilege of having Jim Liberto, a Home Loan Specialist, with Geneva Financial talk with us in depth about reverse mortgages. A reverse mortgage loan, like a traditional mortgage, allows homeowners to borrow money using their home as security for the loan. A reverse mortgage loan is not free money. It is a loan where borrowed money + interest + fees each month = rising loan balance. The homeowners or their heirs will eventually have to pay back the loan, usually by selling the home. Jim is dedicated to meeting his clients needs from start to finish, and we highly encourage you to reach out to him if you are looking at doing a reverse mortgage, please email him at JLiberto@genevafi.comTo schedule a complimentary consultation with us or to find more resources and information, please visit www.lowepropertyteam.com. Thanks for listening! Follow us on Facebook and Instagram.

Caeli Ridge recorded this episode on 7/25/2023Recourse vs. Non-Recourse LoansCaeli provides an overview of what recourse and non-recourse loans are and in what situations you would choose one over the other. She details that the difference in rates and terms between the two options is significant, and that she does not see a place for non-recourse loan options in most cases as it pertains to real estate investors purchasing 1-4 unit residences. Caeli's surprise is an exciting new loan option for Ridge Lending Group that Caeli has been working tirelessly to secure for our borrowers. Q&A throughout the episode on these topics and more!Check out the video with the screen share and the documentation in the Community.You can join these live each week by following this link to join the call:https://community.ridgelendinggroup.com/events/live-with-caeli-each-tuesday-beginning-at-430-pm-et/listAs always, give Ridge Lending Group a call if you have any questions at 855-747-4343 or email us at info@RidgeLendingGroup.comCopyright ©2023 Geneva Financial, LLC, DBA Ridge Lending GroupNMLS #42056  |  BK #0910215  |  CA License #CA-DBO9556 | Massachusetts Licensed Lender #ML42056 | An Equal Housing Lender  |  All Rights Reserved

Caeli Ridge recorded this episode on 7/18/2023Short Term Rental Tips and Tricks Curveball! This week Caeli does a brief overview of what an amortized loan is vs. an interest only loan, with a short pro & con list of each.  She will come back next week with a deeper dive and some great visual aids. Caeli discusses the topic for our July Newsletter which is what you can do to set your short term rental vacation home apart from others this summer season. Check out the newsletter on our website. https://ridgelendinggroup.com/july-2023-summer-cash-flow-tips-tricks-monthly-newsletter/Check out the video with the screen share and the documentation in the Community.You can join these live each week by following this link to join the call:https://community.ridgelendinggroup.com/events/live-with-caeli-each-tuesday-beginning-at-430-pm-et/listAs always, give Ridge Lending Group a call if you have any questions at 855-747-4343 or email us at info@RidgeLendingGroup.comCopyright ©2023 Geneva Financial, LLC, DBA Ridge Lending GroupNMLS #42056  |  BK #0910215  |  CA License #CA-DBO9556 | Massachusetts Licensed Lender #ML42056 | An Equal Housing Lender  |  All Rights Reserved

Caeli Ridge recorded this episode on 7/11/2023To Pay or Not to Pay Points, That is the Question. And it might be a trick question...During this episode Caeli details how to figure out what your interest rate will be.. the old school way. By using a chart and, say it with me "Doing the Math" :)This breakdown explains why interest rates end of being what they are and everything that goes into their pricing. Caeli explains Ridge Lending Group's points and why you may or may not have to pay points in any given transaction and the why behind it. We have lots of great questions this week that are interspersed through the event. Check out the video with the screen share and the documentation in the Community.You can join these live each week by following this link to join the call:https://community.ridgelendinggroup.com/events/live-with-caeli-each-tuesday-beginning-at-430-pm-et/listAs always, give Ridge Lending Group a call if you have any questions at 855-747-4343 or email us at info@RidgeLendingGroup.comCopyright ©2023 Geneva Financial, LLC, DBA Ridge Lending GroupNMLS #42056  |  BK #0910215  |  CA License #CA-DBO9556 | Massachusetts Licensed Lender #ML42056 | An Equal Housing Lender  |  All Rights ReservedPrivacy Policy |  Legal Disclosure |  Consumer Access | Texas Mortgage Notice

Caeli Ridge recorded this episode on 6/27/2023Caeli details Ridge Lending Group's list of the Top 10 Things TO  DO during a loan transaction.  Some of this list may resonate easily with you, while with others you may have never thought of their importance. Tune in to hear Caeli's insight and expertise on the list. A spirited Q & A from our members during the live event following the list !Check out the list on our website here ! https://ridgelendinggroup.com/top-10-things-to-do-during-a-loan-transaction/Check out the video with the screen share and the documentation in the Community.You can join these live each week by following this link to join the call:https://community.ridgelendinggroup.com/events/live-with-caeli-each-tuesday-beginning-at-430-pm-et/listAs always, give Ridge Lending Group a call if you have any questions at 855-747-4343 or email us at info@RidgeLendingGroup.comCopyright ©2023 Geneva Financial, LLC, DBA Ridge Lending GroupNMLS #42056  |  BK #0910215  |  CA License #CA-DBO9556 | Massachusetts Licensed Lender #ML42056 | An Equal Housing Lender  |  All Rights ReservedPrivacy Policy |  Legal Disclosure |  Consumer Access | Texas Mortgage Notice

Caeli Ridge recorded this episode on 6/20/2023Caeli details Ridge Lending Group's list of the Top 10 Things TO NOT DO during a loan transaction. This list shows some easy mistakes that can be made to delay or even make you unqualified during the loan transaction. Some may be obvious to you, while others you may have never thought of. All are important. Communication with your loan team is key throughout the process. Tune in to hear Caeli's insight and expertise on the list. Check out the list on our website here ! https://ridgelendinggroup.com/top-10-things-not-to-do-during-a-loan-transaction/Check out the video with the screen share and the documentation in the Community.You can join these live each week by following this link to join the call:https://community.ridgelendinggroup.com/events/live-with-caeli-each-tuesday-beginning-at-430-pm-et/listAs always, give Ridge Lending Group a call if you have any questions at 855-747-4343 or email us at info@RidgeLendingGroup.comCopyright ©2023 Geneva Financial, LLC, DBA Ridge Lending GroupNMLS #42056  |  BK #0910215  |  CA License #CA-DBO9556 | Massachusetts Licensed Lender #ML42056 | An Equal Housing Lender  |  All Rights ReservedPrivacy Policy |  Legal Disclosure |  Consumer Access | Texas Mortgage Notice

Caeli Ridge recorded this episode on 6/13/2023During this episode, Caeli Ridge discusses Cash Out Refi Rules and has a lively Q&A with participants who are vying for a prize! Pop Quiz style, Caeli Ridge talks BRRR, and Cash Out Refi Scenarios. Check out the video with the screen share and the documentation in the Community.You can join these live each week by following this link to join the call:https://community.ridgelendinggroup.com/events/live-with-caeli-each-tuesday-beginning-at-430-pm-et/listAs always, give Ridge Lending Group a call if you have any questions at 855-747-4343 or email us at info@RidgeLendingGroup.comCopyright ©2023 Geneva Financial, LLC, DBA Ridge Lending GroupNMLS #42056  |  BK #0910215  |  CA License #CA-DBO9556 | Massachusetts Licensed Lender #ML42056 | An Equal Housing Lender  |  All Rights ReservedPrivacy Policy |  Legal Disclosure |  Consumer Access | Texas Mortgage Notice

Caeli Ridge recorded this episode on 6/6/2023During this episode, Caeli Ridge discusses the score qualifications per loan product, the minimum tradelines required, the minimum length of credit and the credit score optimization review. Check out the video with the screen share and the documentation in the Community.You can join these live each week by following this link to join the call:https://community.ridgelendinggroup.com/events/live-with-caeli-each-tuesday-beginning-at-430-pm-et/listAs always, give Ridge Lending Group a call if you have any questions at 855-747-4343 or email us at info@RidgeLendingGroup.comCopyright ©2023 Geneva Financial, LLC, DBA Ridge Lending GroupNMLS #42056  |  BK #0910215  |  CA License #CA-DBO9556 | Massachusetts Licensed Lender #ML42056 | An Equal Housing Lender  |  All Rights ReservedPrivacy Policy |  Legal Disclosure |  Consumer Access | Texas Mortgage Notice

Caeli Ridge hosted this episode on 5/16/2023Guest Speaker John Dingeman with Class Valuation Appraisers was on the show today discussing with Caeli and the community his expert knowledge of appraising property, and how to overall understand an appraisal as it relates to investment type properties. John ran us through some scenarios and showed us how to read and interpret the 1004. Open Discussion and Q&A to follow with John and Caeli. Check out the video with the screen share and the documentation in the Community.You can join these live each week by following this link to join the call:https://community.ridgelendinggroup.com/events/live-with-caeli-each-tuesday-beginning-at-430-pm-et/listAs always, give Ridge Lending Group a call if you have any questions at 855-747-4343 or email us at info@RidgeLendingGroup.comCopyright ©2023 Geneva Financial, LLC, DBA Ridge Lending GroupNMLS #42056  |  BK #0910215  |  CA License #CA-DBO9556 | Massachusetts Licensed Lender #ML42056 | An Equal Housing Lender  |  All Rights ReservedPrivacy Policy |  Legal Disclosure |  Consumer Access | Texas Mortgage Notice

Caeli Ridge recorded this episode on 5/9/2023This episode outlines and sets the expectations for the third and fourth video calls within the Certified Power Buyer (CPB) program hosted by Caeli Ridge, available at Ridge Lending Group. These are free educational calls for real estate investors looking for information and guidance from Caeli Ridge.  They are not objective in nature, but are subjective to you and your specific goals and qualifications. This episode will cover Debt to Income Ratio (DTI), (Video Call #3) and LLC'sand Overall Strategy & Planning  (Video Call #4). Check out the video with the screen share and the documentation in the Community.You can join these live each week by following this link to join the call:https://community.ridgelendinggroup.com/events/live-with-caeli-each-tuesday-beginning-at-430-pm-et/listAs always, give Ridge Lending Group a call if you have any questions at 855-747-4343 or email us at info@RidgeLendingGroup.comCopyright ©2023 Geneva Financial, LLC, DBA Ridge Lending GroupNMLS #42056  |  BK #0910215  |  CA License #CA-DBO9556 | Massachusetts Licensed Lender #ML42056 | An Equal Housing Lender  |  All Rights ReservedPrivacy Policy |  Legal Disclosure |  Consumer Access | Texas Mortgage Notice

Caeli Ridge recorded this episode on 5/2/2023This episode outlines and sets the expectations for the first two video calls within the Certified Power Buyer (CPB) program hosted by Caeli Ridge, available at Ridge Lending Group at no cost. These are free educational video calls for real estate investors looking for information and guidance from Caeli Ridge.  They are not objective in nature, but are subjective to you and your specific goals and qualifications. This episode will cover Goals (Video Call #1) and Credit & Assets (Video Call #2). Next week's episode will cover the next two video calls within the CPB video call series. Check out the video with the screen share and the documentation in the Community.You can join these live each week by following this link to join the call:https://community.ridgelendinggroup.com/events/live-with-caeli-each-tuesday-beginning-at-430-pm-et/listAs always, give Ridge Lending Group a call if you have any questions at 855-747-4343 or email us at info@RidgeLendingGroup.comCopyright ©2023 Geneva Financial, LLC, DBA Ridge Lending GroupNMLS #42056  |  BK #0910215  |  CA License #CA-DBO9556 | Massachusetts Licensed Lender #ML42056 | An Equal Housing Lender  |  All Rights ReservedPrivacy Policy |  Legal Disclosure |  Consumer Access | Texas Mortgage Notice

Caeli Ridge hosted this episode on 4/25/2023Last week we went over some property review mistakes and there was so much to talk about that we are going into part 2 for this episode!  Caeli Ridge will finish explaining which mistakes you can avoid, and how to avoid them. Open Discussion and Q&A to follow. Check out the video with the screen share and the documentation in the Community.You can join these live each week by following this link to join the call:https://community.ridgelendinggroup.com/events/live-with-caeli-each-tuesday-beginning-at-430-pm-et/listAs always, give Ridge Lending Group a call if you have any questions at 855-747-4343 or email us at info@RidgeLendingGroup.comCopyright ©2023 Geneva Financial, LLC, DBA Ridge Lending GroupNMLS #42056  |  BK #0910215  |  CA License #CA-DBO9556 | Massachusetts Licensed Lender #ML42056 | An Equal Housing Lender  |  All Rights ReservedPrivacy Policy |  Legal Disclosure |  Consumer Access | Texas Mortgage Notice

Caeli Ridge hosted this episode on 4/18/2023Learn about important property review mistakes and how to avoid them.  Caeli Ridge explains what to know when dealing with property review, with an open discussion and Q&A.  Open conversations about this topic and more...Check out the video with the screen share and the documentation in the Community.You can join these live each week by following this link to join the call:https://community.ridgelendinggroup.com/events/live-with-caeli-each-tuesday-beginning-at-430-pm-et/listAs always, give Ridge Lending Group a call if you have any questions at 855-747-4343 or email us at info@RidgeLendingGroup.comCopyright ©2023 Geneva Financial, LLC, DBA Ridge Lending GroupNMLS #42056  |  BK #0910215  |  CA License #CA-DBO9556 | Massachusetts Licensed Lender #ML42056 | An Equal Housing Lender  |  All Rights ReservedPrivacy Policy |  Legal Disclosure |  Consumer Access | Texas Mortgage Notice

Caeli Ridge hosted this episode on 4/11/2023Caeli Ridge will be going through and showing you how to use and fill out Ridge Lending Groups new 'Investor Investment Profile'.  You will learn how Ridge Lending Group uses this information to help you find opportunities for your real estate investment ventures.  Open conversations about this topic and more...Check out the video with the screen share and the documentation in the Community.You can join these live each week by following this link to join the call:https://community.ridgelendinggroup.com/events/live-with-caeli-each-tuesday-beginning-at-430-pm-et/listAs always, give Ridge Lending Group a call if you have any questions at 855-747-4343 or email us at info@RidgeLendingGroup.comCopyright ©2023 Geneva Financial, LLC, DBA Ridge Lending GroupNMLS #42056  |  BK #0910215  |  CA License #CA-DBO9556 | Massachusetts Licensed Lender #ML42056 | An Equal Housing Lender  |  All Rights ReservedPrivacy Policy |  Legal Disclosure |  Consumer Access | Texas Mortgage Notice

Caeli Ridge hosted this episode on 4/4/2023On this podcast episode, Caeli Ridge will be going over all of the creative ways you can borrow money with Ridge Lending Group! This includes Conventional, Debt Service Coverage Ratio Loans, Bank Statement Programs, Asset Depletion Programs, All-in-One HELOC (Primary Home, Second Home, Investment Home), Cross-Collateral Loan Programs and Non Recourse options. Open conversations about this topic and more...Check out the video with the screen share and the documentation in the Community.You can join these live each week by following this link to join the call:https://community.ridgelendinggroup.com/events/live-with-caeli-each-tuesday-beginning-at-430-pm-et/listAs always, give Ridge Lending Group a call if you have any questions at 855-747-4343 or email us at info@RidgeLendingGroup.comCopyright ©2023 Geneva Financial, LLC, DBA Ridge Lending GroupNMLS #42056  |  BK #0910215  |  CA License #CA-DBO9556 | Massachusetts Licensed Lender #ML42056 | An Equal Housing Lender  |  All Rights ReservedPrivacy Policy |  Legal Disclosure |  Consumer Access | Texas Mortgage Notice

Caeli Ridge hosted this episode on 3/28/2023In this episodes discussion, Caeli Ridge is going to explain why diversification in your real estate portfolio matters and what you can do about it. Open conversations about this topic and more...Check out the video with the screen share and the documentation in the Community.You can join these live each week by following this link to join the call:https://community.ridgelendinggroup.com/events/live-with-caeli-each-tuesday-beginning-at-430-pm-et/listAs always, give Ridge Lending Group a call if you have any questions at 855-747-4343 or email us at info@RidgeLendingGroup.comCopyright ©2023 Geneva Financial, LLC, DBA Ridge Lending GroupNMLS #42056  |  BK #0910215  |  CA License #CA-DBO9556 | Massachusetts Licensed Lender #ML42056 | An Equal Housing Lender  |  All Rights ReservedPrivacy Policy |  Legal Disclosure |  Consumer Access | Texas Mortgage Notice

Caeli Ridge hosted this episode on 3/21/2023What is the biggest fear holding you back from investing in Real Estate right now? This episode holds an open mic discussion with members of the Ridge Lending Group Community as they talk about their fears and concerns regarding investing in real estate- followed up by Caeli Ridge's advice for them. Caeli will also be reading the available notes from the Federal Reserve Meeting. Open conversations about this topic and more...Check out the video with the screen share and the documentation in the Community.You can join these live each week by following this link to join the call:https://community.ridgelendinggroup.com/events/live-with-caeli-each-tuesday-beginning-at-430-pm-et/listAs always, give Ridge Lending Group a call if you have any questions at 855-747-4343 or email us at info@RidgeLendingGroup.com Copyright ©2023 Geneva Financial, LLC, DBA Ridge Lending GroupNMLS #42056  |  BK #0910215  |  CA License #CA-DBO9556 | Massachusetts Licensed Lender #ML42056 | An Equal Housing Lender  |  All Rights ReservedPrivacy Policy |  Legal Disclosure |  Consumer Access | Texas Mortgage Notice

When you start a business, it's usually because you see a need in the market that's not being met, or you think you can do something better than it's currently being done. But sometimes you just need a change and want to do your own thing. That was the case with today's guest.Kristi Nowrouzi is the Regional Manager of G7 Networking and a top-producing loan officer with Geneva Financial. She's also a speaker, author, and podcaster.On this episode of The Clarity Advisors Show, Kristi shares with host Ken Trupke how she's been able to build a team and grow sales production – and do everything else she does – without burning out. They also discuss using the DiSC Model to find the right team members, as well as Kristi's experience introducing Lou Holtz at a conference of business leaders.Timestamps(01:14): Introduction to Kristi and her background.(03:51): Moving to Central Florida from Sarasota.(06:10): How Kristi built her team.(09:59): Benefits of using the DiSC Model.(13:05): Tips for finding the right people.(19:57): Kristi's podcast and other projects.(21:56): Avoiding burnout.(24:40): Advice for young leaders.(28:54): Introducing Lou Holtz.(32:15): Connecting with Kristi.Episode Quotes“I don't know that anybody's necessarily a born leader. I think we can choose it and step into our greatness.” (Kristi)“I think the hardest step from being a solepreneur to becoming a team leader is putting that initial trust in other people.” (Kristi)“We sometimes have a tendency of hiring or bringing people onto our team who are too much like us.” (Kristi)“A lot of times we'll see differences in people and feel like we've got to be at arm's length. I actually want to pull them in closer because of those differences.” (Kristi)“Can I replace somebody on my team? Yes, but I can't replace that person.” (Kristi)“Understanding our emotional intelligence is probably the best thing a leader can know.” (Kristi) Kristi Nowrouzi's Recommended Reading and ListeningFirst Home: Where to Start and How to Win by Kristi NowrouziCredit Coaching by Kristi podcast Leadership and Self-Deception: Getting Out of the Box by The Arbinger InstituteHoopla app Follow/Connect with Kristi Nowrouziquestions@creditkristi.comCreditKristi.comG7 NetworkingCredit Kristi YouTube channelKristi Nowrouzi on LinkedInKristi Nowrouzi on FacebookKristi Nowrouzi on Instagram