Podcasts about home mortgage

Mortgage Trends and Tips, with Todd Sheppard, Inspired Mortgage Brokers (North Fulton Business Radio, Episode 866) In this episode of North Fulton Business Radio, host John Ray welcomes Todd Sheppard, owner of Inspired Mortgage Brokers, to discuss the intricacies of the mortgage industry. They delve into Todd’s background, the benefits of working with an independent mortgage […] The post Mortgage Trends and Tips, with Todd Sheppard, Inspired Mortgage Brokers appeared first on Business RadioX ®.

Mortgage Trends and Tips, with Todd Sheppard, Inspired Mortgage Brokers (North Fulton Business Radio, Episode 866) In this episode of North Fulton Business Radio, host John Ray welcomes Todd Sheppard, owner of Inspired Mortgage Brokers, to discuss the intricacies of the mortgage industry. They delve into Todd’s background, the benefits of working with an independent mortgage […]

Union Home Mortgage CEO Bill Cosgrove spoke to exclusively to Bill Wills about Mortgage Rates, Housing Industry and Golf

In today's shifting mortgage landscape, lenders are navigating tighter margins, rising costs, and increased regulatory pressure—yet few topics stir more frustration than the hidden financial burdens behind every transaction. In our latest LinkedIn Live episode, “The Real Cost of Lending: Credit Bureaus, Regulation & The Fight for Housing,” we sit down with Bill Cosgrove, CEO of Union Home Mortgage, and Alice Alvey, longtime industry executive, to unpack what's really driving up costs in lending—from credit bureau fees to outdated compliance frameworks. We also explore what needs to change—at both the industry and policy level—to preserve access to homeownership and support the future of mortgage banking. This is a must-watch conversation for lenders, originators, policymakers, and anyone invested in the future of housing finance.

On today's menu, your Chef Dwayne Stein goes through a checklist on How to Find the Right Home!. Dwayne will discuss different loan types, and programs that can help narrow your serach.Also, how can a free second look at your home loan help you out? Well...that free second look can save you thousands of dollars! Finally Dwayne talks about DSCR Loans...Debt Services Coverage Ratio, and how it can help you get into the real estate business. All that and more on Mortgage Gumbo w/ Dwayne Stein 3/15/25

Together in Business as a Married Couple, with Brenda and Geoff Smith, Assurance Financial (Family Business Radio, Episode 61) In this episode of Family Business Radio, host Anthony Chen interviews Geoff and Brenda Smith from Assurance Financial. The couple shares their journey of building and managing their family business while navigating personal and professional challenges. […]

Together in Business as a Married Couple, with Brenda and Geoff Smith, Assurance Financial (Family Business Radio, Episode 61) In this episode of Family Business Radio, host Anthony Chen interviews Geoff and Brenda Smith from Assurance Financial. The couple shares their journey of building and managing their family business while navigating personal and professional challenges. […] The post Together in Business as a Married Couple, with Brenda and Geoff Smith, Assurance Financial appeared first on Business RadioX ®.

Episode Summary:In this episode Nate Reineke and Ben Utley discuss the nuances of mortgage options for physicians, specifically focusing on the decision to pay points. The hosts explore the implications of mortgage rates, the impact of short-term versus long-term holding periods, and how physicians can navigate the complexities of home financing.Key Takeaways:- Understanding Mortgage Points: Purchasing points can lower mortgage interest rates, but the decision depends on how long the mortgage will be held.- Balancing Costs and Benefits: Evaluating whether to buy points should consider potential future interest rate changes and personal financial situations.- Mortgage Structures: Analyzing the pros and cons of different mortgage types, including fixed-rate and adjustable-rate options, is essential.- Market Conditions: Awareness of current market trends can inform decisions around mortgage rates and points, especially in fluctuating environments.- Client Experiences: Real-life examples from physicians help illustrate the practical considerations and emotional factors involved in mortgage choices.Call to Action:For more information, visit www.physicianfamily.comDisclosure: See marketing disclosures at www.physicianfamily.com/disclosuresClosing Thought:Remember, you're not just making a living; you're making a life. Pursue what lights you up!

This week your Chef Dwayne Stein covers the TEN Commandments when buying a home. How are those New Year Resolutions going? Ya sticking to em? Also Dwayne talks about Budget Busters on your credit cards and home budget. All that and more on Mortgage Gumbo w/ Dwayne Stein 01/11/25

Kat Espinda is a true warrior who's bold, loud and unafraid of any government organization.  She joins us and explains the inner workings of the financial and mortgage industry.  Does the bank or mortgage company incur any debt when creating the loan for your home?  Where do they get the money? Are they loaning money they don't have within their deposits?  People must ask themselves, “Have we been fooled again?“Follow Kat:https://rumble.com/c/KatEspindaFollow Kat:https://rumble.com/c/KatEspinda-------------------------------SPONSORS FOR THIS VIDEO❤️ Cardio Miracle - Boost your energy, help support your immune system, and improve your mental clarity-plus use promo code GRIT and save 10% on your order https://cardiomiracle.myshopify.com/discount/GRIT

The main key is to stay disciplined, avoid any more debt. And watch your home loan reduce faster. By making these small little tweaks to your home loan, you can cut years off your mortgage and save thousands in interest. Learn more about this topic by listening to this podcast!   Whether you're dipping your toes into the home-buying waters for the first time, eyeing a smarter refinancing strategy, coming off a fixed interest rate, or expanding your portfolio with another investment property, Karen's 20-minute discovery call, is your first step towards mortgage mastery! Let's dive into your financing needs, explore your options, and perform a FREE mortgage health check to ensure your plans aren't just dreams but achievable realities.   Follow us on our social media channels: INSTAGRAM: https://www.instagram.com/kareng_adams/ FACEBOOK: https://www.facebook.com/karengfm101 VISIT OUR WEBSITE: https://financialmanagement101.com.au/

Have you ever wondered how you can refinance your real estate and tap into the hidden equity to build wealth while minimizing taxes?In today's real estate market, many property owners are sitting on significant untapped potential in their investment properties. Whether you're facing rising mortgage rates or simply looking to accelerate your wealth-building journey, learning how to strategically refinance and leverage your assets can be the key to unlocking financial freedom. The challenge is knowing when and how to pull that equity in a way that maximizes your benefits while minimizing the cost.This episode breaks down real-life strategies for pulling equity from your real estate properties and reinvesting it wisely. If you're looking to reduce the burden of your primary mortgage, minimize taxable income, or open up new avenues for investment, the tips shared will give you practical steps to make your money work harder for you without unnecessary risks.Learn how to restructure and/or refinance your property finances to unlock equity and reduce tax burdens.Discover strategies to effectively manage mortgage rates and refinancing opportunities.Explore the power of permanent insurance as a long-term asset-building tool.Tune in now and discover how you can unlock hidden opportunities in your rental properties to accelerate your path to financial independence!Resources Canadian Wealth Secrets Show Notes PageConsider reaching out to Kyle if you've been……taking a salary with a goal of stuffing RRSPs;…investing inside your corporation without a passive income tax minimization strategy;…letting a large sum of liquid assets sit in low interest earning savings accounts;…investing corporate dollars into GICs, dividend stocks/funds, or other investments attracting corporate passive income taxes at greater than 50%; or,…wondering whether your current corporate wealth management strategy is optimal for your specific situation. In this episode, Kyle and Jon explore the pros and cons of business incorporation, helping you decide whether incorporating is the right move for your business. They dive into how incorporation can provide liability protection and significant tax benefits, particularly for those interested in minimizing taxes and optimizing long-term financial planning. Whether you're wondering, "Should I incorporate my business for tax benefits?" or looking to understand the complexities of managing corporate and personal finances, this episode offers practical insights to guide your decision.Ready to connect? Text us your comment including your phone number for a response!Canadian Wealth Secrets is an informative podcast that digs into the intricacies of building a robust portfolio, maximizing dividend returns, the nuances of real estate investment, and the complexities of business finance, while offering expert advice on wealth management, navigating capital gains tax, and understanding the role of financial institutions in personal finance.

Our continuing coverage of Utah's housing crisis -- Dave's math. Dave calculates how much extra money homeowners should wrap into their monthly payments to save thousands in interest over the life of their loan. Listeners are invited to call in with answers to the question: are you on the extra payment plan on your mortgage?

Check out the STACK for links from each show here: http://JustinBarclay.comGet up to $10,000 in free silver with qualified accounts from my new partners at Goldco!Go to http://JustinLikesGold.com to get a free 2024 Gold Kit or call 855.512.GOLD (4653)#goldopartnerTry Cue Streaming for just $2 / day and help support the good guys https://justinbarclay.com/cueUp to 80% OFF! Use promo code JUSTIN http://MyPillow.com/JustinPatriots are making the Switch! What if we could start voting with our dollars too? http://SwitchWithJustin.comGrab gear in Justin's store http://JustinBarclay.com/storeNo matter what's coming, you can be ready for your family and others. http://PrepareWithJustin.com#ad

#SCOTUS: On "price-gouging" home mortgage "subsidizing" and other micro management tools. Richard Epstein, Hoover Institution https://www.forbes.com/sites/jamesbroughel/2024/08/22/harriss-proposed-ban-on-price-gouging-stirs-debate-on-price-controls/ 1910 AURORA, NEVADA

This is a narration of our weekly Rent and Operating Trends Report.Mortgage Rates DeclineAccording to last week's data from Freddie Mac, the average rate for a 30-year mortgage hit its lowest level in more than a year. It dipped to 6.47% as of August 8, down from a peak of 7.79% in October 2023. Even with the decline, affordability remains a major challenge in the single-family home industry. It has been almost two years since the average 30-year mortgage rate was below 6.0%. Key Economic Data This WeekThis will be a busy week for economics readings, and the following reports are highly anticipated after the unimpressive jobs report from a couple weeks ago. The producer and consumer price indexes for July will be released by the Bureau of Labor Statistics. They are key indicators related to inflation and most economists are hopeful they will trend in a direction that gives the Fed confidence to lower the benchmark interest rate at some point soon. The Commerce Department will report on the latest trends for retail sales which will shed light on consumer spending. Also, the University of Michigan's preliminary report on August's Consumer Sentiment Index will give us a view on how people feel about all the recent headlines in the economic and political worlds.Unemployment insurance claims, metro-level job growth, and the number of buildings permitted for construction are among other metrics being released this week.  EQR Purchases 11 Assets from BlackstoneAnother large apartment acquisition was announced last week. Equity Residential (EQR) stated that it has agreed to purchase 11 assets from Blackstone for close to $1 billion. The assets are in the markets of Atlanta, Dallas-Fort Worth, and Denver. On average, the properties are eight years old.  Multifamily Performance Apartment performance remained steady through mid-August. Rents are still below last year's level in many MSAs, but the most turbulent times are likely behind a lot of markets at this point. The national occupancy rate has held close to 93.9% the entire year, and the U.S. is on track to absorb more than half a million units in 2024. As long as the economy holds, many areas are poised for growth rates closer to historical norms in 2025.Explore our webpage for more insights and resources:https://bit.ly/Radix_Website

With the housing industry playing such a big part of the economic story of 2024, Bill spoke with Bill Cosgrove, President and CEO of Union Home Mortgage about the current trends and the direction of mortgage rates.

Welcome to Connect, a podcast featuring one-on-one interviews with some of the top movers and shakers in the mortgage industry. This week we welcome Michelle Richardson, CMB, AMP, CTP // SVP, Chief Financial Officer, Plaza Home Mortgage. 1:24 - I always like to get started with our journeys to the mortgage industry. Tell us how you got into this business. 3:40 - I am so impressed with the number of industry designations you've earned, how have those classes supported your career growth? 5:03 - We're still in the midst of a tough cycle for originators. How can a company be competitive in a purchase market like this? 5:46 - How does Plaza Home Mortgage set themselves apart from competitors? 6:34 - How is California's Insurance crisis impacting your business? 9:06 - What advice would you give a young mortgage professional just starting out? 10:26 - Plaza Home Mortgage is a member of the California MBA, for which I'm always grateful. And Mike Fontaine currently sits on our Board of Directors. Can you share with us why Plaza chooses to support our organization? To learn more about the California MBA visit www.cmba.com and don't forget to subscribe to our podcast and stay tuned for our next episode!

Buying a house soon and wondering what loans to use or tips to get a better credit rating? Do I need to work with a lender and will they really look out for me? That is why I invited my friend, Rita Hairston, a senior home loan consultant with Main Street Home Loans. She covers mortgage loans, tips, and busts some mortgage myths in this week's podcast episode. Mentioned in this episode: Experian Boost https://www.experian.com/consumer-products/score-boost.html Check out Rita Hairston's website at www.hairstonhomeloans.com

Real Estate Expert & Best-Selling Author, Gerald Lucas reveals 3 things borrowers should never do before getting a home mortgage.

Join us to learn the best tips to help you get into your next home with Novus Home Mortgage, who is dedicated to making mortgage lending simple. As a national lender, families can take advantage of the personal attention that comes through working with Novus. Find out more here.  Helping military families connect with military real estate experts throughout the US. Learn more about MilHousing Network at https://milhousingnetwork.com/. For more information on providing financial security for your loved ones, click here to connect with MilHousing Network's proud partner, Navy Mutual!

The JREP crew is back, and this time we discuss the ins and outs of home loans in Japan - who can qualify, how are mortgages assessed, what level of Japanese and employment is required, and much, much more.

Show Notes https://www.rushtoreason.com/show-notes/05-09-2024/

Check out the STACK for links from each show here: http://JustinBarclay.comGet up to $10,000 in free silver with qualified accounts from my new partners at Goldco!Go to http://JustinLikesGold.com to get a free 2024 Gold Kit or call 855.512.GOLD (4653)#goldopartnerTry Cue Streaming for just $2 / day and help support the good guys https://justinbarclay.com/cueUp to 80% OFF! Use promo code JUSTIN http://MyPillow.com/JustinPatriots are making the Switch! What if we could start voting with our dollars too? http://SwitchWithJustin.comGrab gear in Justin's store http://JustinBarclay.com/storeNo matter what's coming, you can be ready for your family and others. http://PrepareWithJustin.com#ad

My guest today is Troy Warner of First Class Home Mortgage. We talk about the current concerns in the market and why it's still a great time to own real estate, if you can manage it of course. It also may not be a dark as it seems. One tip. Stop watching the media as basis for your research in making real estate decisions. CONTACT TROY http://troywarner.com/ (385)-999-1871 loans@troywarner.com . . . . #FirstClassHomeMortgage #TroyWarner #UCAR #NAR #BuildWealthNow #Freedom #PickingStocks #DaveRamsey #CreditReport #PayOffDebt

Join us on The Freedom Achievers Podcast for an enlightening episode featuring special guest Tony Modrono, as we delve into the intricacies of "27 Years of Mortgages." In this captivating discussion, Tony, a seasoned expert in the mortgage industry, shares invaluable insights gleaned from nearly three decades of experience. From navigating the complexities of home financing to understanding the evolving landscape of real estate, this episode promises to equip listeners with the knowledge and confidence to make informed decisions about one of life's most significant investments. Tune in to gain a deeper understanding of mortgages and embark on your journey towards financial freedom. GET A COPY OF MY NEW BOOK: THE TRUTH ABOUT FAILURE AND LEARN HOW TO GET FREE ACCESS TO THE TRAINING: https://www.truthaboutfailure.com/ JOIN MY COACHING ACADEMY: https://freedomachieveracademy.com/join

Does owning your own home feel like an unachievable fantasy? Wealth Building Way is here to explain how you can make the impossible possible in its latest guide for millennials. Learn more at https://wealthbuildingway.com/can-millennials-really-afford-to-buy-a-home-exploring-financial-strategies-for-homeownership/ Wealth Building Way City: Austin Address: 16238 Highway 620 N Website: https://wealthbuildingway.com/ Phone: +1-512-677-7448 Email: Info@wealthbuildingway.com

Join LaTangela as she chats with Donald Anderson, Jr. on the #TanLine Broker/Owner of Utopia Home Mortgage has been making home ownership dreams a reality for families for over 20 years. Educating families and curating plans to assist them in meeting their homeownership goals. Many programs are available and they are currently accepting new clients. 225-362-2648 Qualify HERE NEW MUSIC ALERT NEVER KNEW - LaTangela Fay NEW BOOK ALERT P.O.O.F. (Power Over Obstacles Forever) - LaTangela Fay Sherman ************************************************************************************ THE LATANGELA SHOW RADIO -  WEMX- Baton Rouge, La. Mon-Fri 10a.m.-3p.m.CST TV - WLFT - Baton Rouge, La. KGLA  - New Orleans, La. The Louisiana Film Channel YouTube - #LaTangelaFay Podcast - ALL digital platforms www.LaTangela.com See omnystudio.com/listener for privacy information.

Are you ready to unravel the mysteries behind mortgage challenges that real estate agents face today? Today we dive deep into the world of mortgage lending with none other than Nellie Dallman, a top leader at Results Home Mortgage. With her extensive background in banking and mortgage, Nellie makes the complexities of mortgage lending accessible and understandable. She sheds light on common hurdles in the mortgage process and provides practical solutions that agents can apply in their day-to-day operations. Must-Hear Moments: Conquering Condo Loans: Discover how Nellie and her team tackle the stringent guidelines set by Fannie Mae and Freddie Mac for condo loans, turning potential denials into approvals. A must-hear for any agent dealing with condo sales! Success Stories: Be inspired by a real-life scenario where Nellie's innovative approach saved a closing just two weeks out, illustrating the power of teamwork and expertise in the mortgage industry. Future of Mortgage Trends: Gain insights into what the future holds for mortgage rates and lending practices. Nellie's predictions will help you stay ahead in the ever-evolving real estate market. Make sure to subscribe to our podcast and leave a review. Your feedback helps us continue to bring you the insights and stories that matter most to you and your business. Who should be our next guest? Let us know here: www.ResultsDrivenFeedback.com Realtors concerned about class action lawsuits affecting their business can get a recording of Ed Kaiser's event on the industry's legal history and future expectations by emailing podcast@results.net.  

Show notes:TMSpotlight:1.22.24 It's A "Love Story" If Buyers Say Yes!------------------------Bonds got tired of waiting.Wondering if Jay was ever coming around.Did the Bond buyers buy on Friday? Happy consumers bought by draining savings and using credit cards earlier in the week. Where did the new era of frugality go?Will the Fed reduce its selling of Treasuries (Quantitative tightening) to avoid liquidity problems? Would such action increase inflation and create wild moves like the spring 2020? Is the Fed Romeo and Bonds Juliet?Don't be afraid. Jay will get out of this mess. It's a Love Story; buyers, just say yes.------------------------Song: Love Story (2008) Taylor Swifthttps://www.youtube.com/watch?v=8xg3vE8Ie_ELegislative Update:Link to VA ANPR - https://www.federalregister.gov/documents/2023/12/11/2023-27068/loan-guaranty-minimum-property-requirements-for-va-guaranteed-and-direct-loansThe Lykken on Lending program will feature our Weekly Mortgage Updates with Adam DeSanctis and his MBA Mortgage Minute, and then Les Parker's TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by David Kittle, Chief Executive Officer @ Cypress Mortgage Capital, to discuss mortgage originations. Then we have Alice Alvey of Union Home providing a regulatory & legislative update, then Allen Pollack giving us a Tech Report on the latest technology impacting our industry. Finally, we wrap up the first half of the program with Marc Helm, Senior Executive Partner @ Transformational Mortgage Solutions, talking about Loan Servicing and the “Agencies”.

Home + mortgage + LLC new rules. At CMS Law Firm we do estate planning, we do it well, and we'd love to talk to you about how you can protect your family, protect yourself, and protect your money. Good news for you is, that's easy to do. Just click the link and set up a time for your free strategy session - https://cmslawfirm.com/estateplanningstrategysession. Talk to you soon!

Matthew VanFossen discussed with David Lykken the NAR Lawsuit and how it affects Real Estate Officers and Mortgage Loan Originators. He also discussed their ways on how to get business while the market is off.

It's Tuesday, December 26th, A.D. 2023. This is The Worldview in 5 Minutes heard at www.TheWorldview.com. I'm Adam McManus. (Adam@TheWorldview.com) By Kevin Swanson Ugandan Christians jailed for evangelism Morning Star News reports that two Christians were jailed for evangelizing in eastern Uganda, Africa.   After three days of evangelism in a higher concentration-Muslim area in the city of Soroti, Joseph Omadi and Isaac Napakol were chased by a mob, and then arrested by police. At issue is Uganda's penal code act which criminalizes “writing or uttering words with the intent to wound religious feelings.”  The language is imprecise and may be used to violate freedom of speech in the country. U.S. retaliates in Iraq after three US troops wounded in attack After three U.S. service men were wounded in a drone attack in northern Iraq, America retaliated with three targeted attacks on terrorist facilities in Iraq Monday, reports Reuters. The facilities are run by Iranian-backed militia, Kataib Hezbollah, and affiliated groups. Gaza Hospital announces 209 injured, 131 dead on Christmas The Israeli-Hamas War continued on Christmas Day. Doctors without Borders reported that a Gaza Strip-area hospital, al Aqsa hospital, admitted 209 injured and 131 dead. USA Today quotes Bethlehem Mayor Hana Haniyeh who said, “Our message every year on Christmas is one of peace and love, but this year it's a message of sadness, grief and anger in front of the international community with what is happening and going on in the Gaza Strip.” And the Roman Catholic Pope Francis took the opportunity to express his grief over what he called the “abominable attack” of Hamas on October 7. He called for the release of hostages and an end to Israel's military campaign in Gaza. King Charles' Christmas message King Charles III brought a Christmas message yesterday — in the tradition of his mother, Queen Elizabeth II.   He spoke of Christ exemplifying love for neighbors, offering shelter to others, and stressed the importance of protecting the Earth and “our natural world” including animals.   Listen. KING CHARLES III: “Service to others is but one way of honoring the whole of creation, which, after all, is a manifestation of the Divine. This is a belief shared by all religions. To care for this creation is a responsibility owned by people of all faiths and of none. We care for the Earth, for the sake of our children's children. “During my lifetime, I've been so pleased to see a growing awareness of how we must protect the Earth and our natural world as the one home which we all share. I find great inspiration now from the way so many people recognize this, as does the Christmas story, which tells us that angels brought the message of hope first to shepherds. These were people who lived simply amongst others of God's creatures. Those close to nature were privileged that night.” (You can see the transcript here) His great-grandfather, George V, began the tradition of the Christmas Message to the commonwealth back in the 1930s.  Queen Elizabeth II carried on the tradition from the time of her coronation in 1952. While she mentioned the words of Jesus as the “bedrock” of her faith, the messages typically have not reflected the real reason why Jesus came.  Matthew 1:21 says, “You shall call His name Jesus, for He shall save His people from their sins.” 1 John 3:8b explains that Christ came to destroy the works of the devil, and, as Hebrews 2:14 notes, to destroy the one who has the power of death, that is the devil.  In addition, Mark 10:45 says Christ came to give His life as a ransom for many and Luke 4:18-19 explains that He came to proclaim good news to the poor, to proclaim liberty to the captives, the recovering of sight to the blind, to set at liberty those who are oppressed, and to proclaim the year of the Lord's favor. Contrast between Christmas messages of Biden and Trump  President Joe Biden took to social media with a written Christmas message. He wrote “take a few moments of quiet reflection and find that stillness that's at the center of the Christmas story. May you find peace in this silent night. And warmth from those surrounding you.” Former President Donald Trump was far more explicit in his Christmas message to the nation, reports Newsweek. Listen. TRUMP: “More than 2,000 years ago God sent His only begotten Son to be with us. An angel announced the birth of our Lord and Savior to humble shepherds. He said, ‘I bring you good news that will cause great joy for all of the people. Today, in the town of David, a Savior has been born to you. He is the Messiah, the Lord. You will find a baby wrapped in cloths and lying in a manger.' At Christmas, we thank God for sending us His Son to bring peace to our souls and joy to the world.” Home mortgage rates dropped According to Freddie Mac's Primary Mortgage Market Survey, home mortgage rates are down again — lowered this week to 6.67% down from 6.95% last week.  That's down from 7.79% in October. Prices for homes remain high in the U.S.  The inventory of homes on the market is 34% below where it was before the pandemic. Existing home sales in November registered 7.3% lower than November of 2022. The median sales price was $387,600 — 4% higher than a year ago. Focus on Christ and need for salvation And finally, from all of us at Generations and The Worldview newscast team, we wish you a blessed Christmas season, always remembering and rejoicing in the coming of Jesus Christ, and our need for His salvation. Close And that's The Worldview in 5 Minutes on this Tuesday, December 26th in the year of our Lord 2023. Subscribe by iTunes or email to our unique Christian newscast at www.TheWorldview.com. Or get the Generations app through Google Play or The App Store. I'm Adam McManus (Adam@TheWorldview.com). Seize the day for Jesus Christ.

Today I chat with Joe Goldberg who was in charge of Consumer Compliance at NCUA and we discuss all things related to HMDA.In 33 years at NCUA I served as Executive Director, Regional Director, Director of Special Actions, Supervisory Examiner, and Principal Examiner. I began at the ground level as an examiner. I rose to the top. As Executive Director I supervised your Regional Director. I know how NCUA thinks and why they think it. I know the examination process inside and out. I know how to communicate and negotiate with NCUA. I know how to get NCUA to YES instead of NO. I can help if you are currently dealing with or thinking about:An examination that did not go as well as you hopedAn Examination that is in process right nowAn examination that is coming soonResponding to an NCUA or state examinationAssessing a letter to you from your Regional Director or State RegulatorSeeking NCUA or State Regulator approval for an action you desire to takeAssessing actions you will take in response to a Document of ResolutionReceiving a Letter of Understanding and AgreementDocument of Resolution (DOR) IssuesExaminer FindingsSupplementary FactsCAMEL Code DowngradesCapital AdequacyAsset QualityManagement CodeEarningsLiquidity CodeSensitivity CodeCommercial Lending MBL IssuesInterest Rate Risk (IRR)Net Economic Value (NEV)Secondary CapitalSubordinated DebtExit Conference / Joint Conference ChallengesFair Lending Exam IssuesField of Membership (FOM) ExpansionsCECL IssuesAppealsReputation RiskNet Worth Restoration Plans (NWRP)Credit riskInterest rate riskLiquidity riskTransaction riskStrategic riskReputation riskCompliance riskNCUA's Large Credit Union ProgramTransition to the Office of National Examinations and Supervision (ONES)CFPBStrategic PlanningSafety and SoundnessSupervisory CommitteeCorporate GovernanceBank Secrecy Act (BSA)NCUA Examination PrioritiesNCUA's Examination GuideNational Supervision Policy ManualBank PurchasesLetters to Credit UnionsNCUA Regulations Reach out today to discuss how I can assist you and your credit union.

Today, I'm joined on the "Let People Prosper Show" by Dory Wiley, president and founder of Commerce Street Holdings, LLC. We discuss: 1) Why he believes an economic bust is coming based on lending activities and economic indicators, and where there's corruption in the banking industry; 2) How high home mortgage rates after low rates during the pandemic are restricting supply, and how this affects the housing market; and 3) How the U.S. can rebuild its waning creditworthiness by Congress balancing the budget and putting taxpayer dollars to better use, and his thoughts on the Teacher Retirement System of Texas. If you enjoyed the show, please rate it 5 stars, write a review, and share it on social media. For show notes, thoughtful insights, media interviews, speeches, blog posts, research, and more, please check out my website (www.vanceginn.com) and subscribe to my newsletter on Substack (www.vanceginn.substack.com).

Mike Schneider is the CEO & Co-founder of Acre Homes. Acre combines the ease of renting with the financial upside of owning. Acre is available in Raleigh-Durham, and will be launching in Atlanta and Nashville soon. Previously, Mike served as the VP of Technology Strategy at RE/MAX, and Co-founded First, a real estate tech company that leveraged machine learning to help agents win more business.(2:12) - Acre: Breaking the Renting or Home Mortgage paradigm(7:13) - Acre's model during variable interest rate environment(8:59) - Opportunity residents & investors(10:19) - Market growth(10:54) - Taking the Tesla approach: 10x better than mortgage(12:48) - Buying a home with a partner(15:28) - Acre Homes price point(16:47) - Feature: Blueprint (17:52) - Rent-to-own, buy before you sell, Home Equity products.(21:41) - Challenges of mortgages & bias in home appraisals(25:07) - Generating returns in Single family homes(25:42) - North Carolina ecosystem: Raleigh-Durham Research Triangle(29:51) - US cities transport options(33:26) - Collaboration Superpower: Steve Jobs(38:57) - Discomfort Zone: Is Built-to-rent overrated?

Cyndi Garza on the Get It Done Podcast VP of National Business Development for Union Home Mortgage, Speaker, Executive Coach and Leader of CEO Mortgage Girlfriends 02:00 - Cyndi's beginnings 03:00 - Learning to Balance Family & Career 07:00 - Cyndi's falls in love with the law 11:00 - Cyndi creates “her own path of success” 15:30 - Cyndi's early challenges in Mortgage 19:55 - “You pick those people you want to be around” 24:00 - Mastering Time Management to enable a family life 28:00 - The need for leadership 32:00 - Cyndi stops playing “small” 36:55 - People buy from the “truest you” that they know, like and trust 38:45 - Mortgage Girlfriends - “It's a membership website, but there's a community in there!” 41:35 - Cyndi's “big break” 43:00 - The power of Self-Belief 44:07 - COVID Struggles 45:30 - Cyndi's advice on how to Get it Done 46:50 - @cynthiadgarza cyndi@mortgagegirlfriends.com Contact Cyndi Email: cyndi@mortgagegirlfreinds.com Facebook /cyndi.garza2 Instagram @cynthiadgarza LinkedIN /cynthia-garza-06808816 Join the Mortgage Girlfriends Facebook Group Mortgage Girlfriends Instagram @mortgagegirlfriends Connect with Jimi Ryan Instagram @JimiRyan, LinkedIN @JimiRyan Facebook @JimiGetItDone linktr.ee/JimiRyan

In this episode of The Mortgage Reports Podcast, host Craig Berry NMLS# 200401 is joined by Matthew Van Fossen, entrepreneur and CEO of Absolute Home Mortgage & Mortgage Automation Technologies. They discuss the need for innovative technological solutions in the mortgage industry and the benefits that both consumers and lenders can gain from this. Van Fossen emphasizes the importance of embracing technological advancements and understanding consumer evolution to remain competitive in the mortgage lending industry. Tune in to hear more about the evolving landscape of mortgage technology. >>Read more about Matt Van Fossen on themortgagereports.comJump to Listen Ahead:[00:02:06] Mortgage origin stories [00:05:58] Advocacy for mid-sized mortgage banks. [00:09:05] Advocacy and Technology in Mortgage Industry. [00:11:00] Consumers will evolve. [00:15:31] The loan pod technology. [00:17:27] Loan pod innovation. [00:21:27] A singular portal for consumers. [00:25:08] Consumer choice in mortgage process. [00:28:01] Mortgage automation technology customers. [00:33:32] The Digital Mortgage Initiative. [00:35:14] True digital-based mortgage. [00:38:50] What's coming next for you?The Mortgage Reports Podcast is operated by Full Beaker, inc. NMLS# 1019791

On this podcast episode, my special guest and I are going to discuss how to pay off a 30 year home mortgage in 3-5 years using HELOCs. I've decided to invite Anthony Rushing who works for the source of the first lien HELOC, and we're going to go over the pros and cons of using HELOCs to build wealth.  Check it out! Contact Anthony Rushing and Check out the Calculator Here: (Tell them Jamel Gibbs sent you) https://reieducationacademy.com/helocs Join “The Family Vault” to get access to members-only content and perks:  https://reieducationacademy.com/patreon   Join My Next Real Estate Jump Start Challenge.  Get the details here: https://get.reieducationacademy.com   Want Real Estate Coaching? Join “The Family Elite” Coaching Group.  Get the details here: https://get.reieducationacademy.com/coaching Timeline: 0:00 Intro to First Lien Helocs 3:09 About Anthony Rushing 7:32 What is a first lien HELOC? 12:40 How to use HELOCs to pay off a mortgage fast 22:43 5 step process to paying off a mortgage in 3 to 5 years 39:35 Will first lien HELOCs work with investment properties? 43:36 What's the average time frame to pay off a portfolio of properties? 45:27 What if being debt free isn't the goal?  How else can someone effectively use a first lien HELOC? 49:53 What obstacles will people face when getting a first lien heloc? 51:39 What income level does someone need to be at in order to get a first lien HELOC? 1:02:43 Do you need a lot of money saved up in order to get a first lien HELOC? 1:06:32 Recommended Reading 1:08:46 Last words and closing comments

In this episode, we dive again into the dynamic world of the mortgage industry with none other than Bill Cosgrove, the esteemed leader of Union Home Mortgage. Bill shares how Union Home Mortgage has not only survived but thrived in the ever-changing landscape of the mortgage market. He shares how he and his team have cracked the code on employee retention, creating an environment where people genuinely want to stay. With a focus on open and honest communication, fostering trust, and valuing every team member's contribution, Union Home Mortgage has built a business family that embraces healthy debates and finds optimal solutions together. Bill also highlights the crucial role of scaling in the mortgage industry. He acknowledges the advantages of being a large-scale player but also emphasizes that world-class excellence can be achieved at any level. Bill's vision for Union Home Mortgage's future involves continued scaling, responsible growth, and a relentless dedication to delivering exceptional service to its customers. The mortgage industry is not just about numbers; it's about transforming lives and shaping a better future. Tune in now and learn how to create meaningful change!

Harvey and John discuss if it may be in your best interest to sell your current home although your mortgage rate is low, pay off other high interest debt and then buy another a home that may still be cheaper than an accumulation of all of the other debt combined. We are not telling you to sell & buy a home, but check out this plan and see if it may be a good idea for you and your family! Are rents in Las Vegas going up? Listen to this show to find out.

Thanks to today's podcast sponsor, Visio Lending. Visio is the nation's premier lender for buy and hold investors with over 2.5 Billion closed loans for single-family rental properties, including vacation rentals. Visio is fast, simple, and dependable when it comes to financing rental properties. They believe time is money, and strive to be upfront and consistent about their qualifications. Using a simple DSCR rather than a complicated NOI calculation, there are no tax returns or personal financial statements, and their pricing is set, so you always know your rate. Learn more, including about Visio's top-notch broker program, at https://www.visiolending.com/. 

➡️ Sign Up Today To Join The 'I Never Knew Tv' Movement:https://ineverknewtv.com/sign-upOn the 142nd episode of The Bald Head-N-The Dread Podcast, Jr (The Bald Head) and Autarchii (The Dread) reason about strategies to survive a 30-year mortgage.➡️ Tune into 'I NEVER KNEW RADIO'Roots, Rock, Reggae MusicHosted By : Jr of 'I Never Knew Tv'https://www.WLOY.orgSunday 9 -11 AM ESTWednesday 8- 10 AM ESTThursday 10- Noon AM EST➡️ Autarchii - As The Water Flows (Visualizer)https://www.youtube.com/watch?v=wyL23dzBnNkMarijuana Documentary : 'Cure My Pain'https://youtu.be/ChzR1D5z62w➡️ Listen To The 'Generation Gap Riddim': https://ingrv.es/generation-gap-riddi-3qn-i 

Join C4 and Bryan Nehman as they discuss what plans the new Baltimore County Chief of Police Robert McCullough has to combat crime in Baltimore County. A new rule is going to take effect that will have people with good credit pay more for a mortgage so that people with bad credit pay less. Is this Fair? Also, an Axios article has reported that there is a major lack of youth sports officials across the country. What's the reason for this? Listen to C4 and Bryan Nehman live every weekday from 5:30-10:00 am ET on WBAL Newsradio 1090, FM101.5, and the WBAL Radio App.

Nick Gentile and John DeFreitas join this BIZ TIPS session to educate us on real estate investment loans. Nick and John are both Commercial Lenders at Heartland Bank & Trust in Springfield, IL. In this episode we discuss the difference between personal home mortgage loans and commercial loans for real estate investment properties. We also talk about the BRRRR method and how banks handle refinancing of properties. We wrap up with discussing how some people are using home equity lines of credit as down payments on investment properties and what banks are looking for before approving that scenario. If real estate investing is your game, this is an episode you'll find value in!

Sukesh Shekar is the CEO & Founder at Altgage, the Google search of mortgages, bringing simply affordable mortgages to home buyers. . Sukesh believes in the American dream of homeownership. However, mortgages are more unaffordable than ever and most mortgage processes lack transparency. Altgage makes home buying more affordable with smart mortgages that build wealth over time.