Podcast appearances and mentions of john downs

Join host Ryan Feldman in an insightful episode of "The Poison Lab" as he sits down with Dr. John Downs, Director of the Virginia Poison Center, and one of the leading experts on per- and polyfluoroalkyl substances (PFAS), commonly known as "forever chemicals." Known for their persistence in the environment and human body, PFAS have raised significant public health concerns over the past few decades. Dr. Downs shares his journey through occupational medicine, toxicology, and public health, which uniquely positioned him to provide expertise on PFAS exposure, health risks, and ongoing regulatory efforts. Together, they delve into the origins, uses, and potential health effects of these ubiquitous compounds, while examining government policies, environmental impact, and strategies to reduce exposure. A must-listen for anyone interested in the intersection of environmental health and toxicology! Episode Breakdown:2:42 – What Are Forever Chemicals?8:01 – History of PFAS and Associated Health Concerns15:41 – Government Regulation of PFAS20:42 – Shortcomings in PFAS Regulation25:20 – How Individuals Can Mitigate Risk31:15 – Testing for PFAS Levels and Exploring Treatment Options41:14 – Future Directions and Research Needs for PFAS45:29 – Conclusion and OutroKey Topics Discussed2:42 – What Are Forever Chemicals?PFAS are a large group of man-made chemicals that are persistent in the environment and human body.The podcast focuses primarily on PFOA (perfluorooctanoic acid) and PFOS (perfluorooctanoic sulfonic acid), as these were the first compounds identified as having very long elimination half-lives, measured in years, and not undergoing significant human metabolismThe podcast mentions that there are potentially thousands of different PFAS compounds and that more research is needed to determine if they all induce the same health effects as PFOA and PFOSCommonly used for their water- and oil-resistant properties in nonstick cookware, fast food wrappers, firefighting foams, and more.8:01 – History of PFAS and Associated Health ConcernsFirst created by Dupont chemical, used widely in 1940's in TeflonLarge contamination of water by PFAS identified in West Virginia townLed to landmark study in West Virginia (the C8 study) on epidemiological data of PFAS-related health risks.Effects noted: High cholesterol, thyroid dysfunction, ulcerative colitis, hypertension in pregnancy, decreased immune response to vaccine, and certain cancers (testicular and kidney cancer).PFAS in the EnvironmentPFAS are not easily degraded, leading to bioaccumulation in humans and animals.Non-stick cookware: Teflon, the trade name for non-stick cookware, was one of the earliest applications of PFAS, utilizing PFOA.Firefighting foam: PFAS was used in firefighting foams, particularly for aviation fuel fires. This has led to contamination of groundwater around military installations and airports.Fast food wrappers and other consumer products: PFAS are used to make products water and oil resistant, including fast food wrappers, clothing, upholstery, and popcorn bags.Biosolids: The nitrogenous waste produced after wastewater treatment, have been found to contain concentrated PFAS. These biosolids are sometimes sold to farms as fertilizer, potentially contaminating water and crops.Ski wax: Ski waxers have been found to have a high degree of PFAS...

We're delighted today to hear from Bishop John Downs who shares on the theme "Flesh for Stone" from Ezekiel 11;19 "And I will give them one heart, and I will put a new spirit within you; and I will take the stony heart out of their flesh, and will give them an heart of flesh.

Merriam-Webster's Word of the Day for September 24, 2024 is: jerkwater • JERK-waw-ter • adjective Jerkwater means “remote and unimportant.” It is often used to describe a small town, village, etc., that is out in the country far from cities. Jerkwater can also mean “trivial.” // I grew up in a jerkwater town in the middle of nowhere. See the entry > Examples: “We found a theatre in some jerkwater town with a new movie playing. ...” — Robin Enos and John Downs, The Auburn (California) Journal, 4 Mar. 2023 Did you know? We owe the colorful Americanism jerkwater to the invention of the steam engine—an advancement that significantly accelerated travel by rail but also had its drawbacks. One drawback was that the boilers of the early locomotives needed to be refilled with water frequently, and water tanks were few and far between. As a result, the small trains that ran on rural branch lines often had to stop to take on water from local supplies. Such trains were commonly called jerkwaters from the motion of jerking the water up in buckets from the supply to the engine. The derogatory use of jerkwater for things unimportant or trivial reflects attitudes about the small middle-of-nowhere towns connected by the lines on which these jerkwater trains typically ran.

Today we're delighted to be with Bishop John Downs as he shares on the theme of God Given Dreams.

We have been  blessed over the last nearly 3 years of this podcast to be joined some amazing men and women of God who have served the Lord and the church for many years - leaving a legacy. Every time I have someone on the podcast who I consider an Elder, I like to get them to share their advice for those who are involved in ministry or are feeling the call of God on their life. I decided that it would be a great resource for you all if I compiled them all into one episode. You'll hear from John Downs, Dr David Norris, Richard and Nancy Grandquist, Stan Gleason, Keith and Dr Janice Sjostrand, Raymond Woodward and Harold Hoffman. ---------- Truth Radio App - ⁠⁠⁠⁠⁠⁠⁠https://linktr.ee/truthradioapp⁠⁠⁠⁠⁠⁠⁠ ----------- A new portion of the show is only available to those who have subscribed to FOWNTN - so make sure to check it out, they do offer a 7 day free trial for all new subscribers. (⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠http://fowntn.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠) ------------ Order Hacka Merch - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://the-hacka-podcast.myspreadshop.com/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ------------ Watch every episode - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.youtube.com/c/TheHackaPodcast⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Follow us on social: Instagram - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.instagram.com/thehackapod/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Facebook - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.facebook.com/hackaorg⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ TikTok - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.tiktok.com/@thehackapod⁠⁠⁠⁠⁠

In this clip, James and Matt gush over John Downs' rookie report and explain why he could be a force in this league for years to come. Matt Harmon and James Koh whip around the NFL and cover the position they know best: Wide receivers. Using the data from Harmon's exclusive Reception Perception charting methodology, the guys give their takes on receivers at every level of the game. Whether it's the biggest stars in the league or new rookies bursting on the scene, you won't get better wideout information anywhere else. Along the way, they'll break down the biggest stories in the NFL and offer up a few big-picture fantasy football thoughts, as well. Follow the guys on Twitter @JamesDKoh and @MattHarmon_BYB. Follow Reception Perception @RecepPerception. Download and Subscribe to the Reception Perception Show anywhere you get your podcasts. Watch segments of the show on YouTube at Matt Harmon!! To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

For tonight's lesson 'Choose Truth', we have delved back into the archives of 2020 for a lesson taught by Bishop Downs on The Importance of Absolute Truth. 

Hello and welcome to Entangled! The podcast where we explore the science of consciousness, the true nature of reality, and what it means to be a spiritual being having a human experience. I'm your host Jordan Youkilis, and today I'm joined by my friend John Downs for his second Entangled appearance. In this episode, we discuss John's recent journey to the Galapagos and the sacred ceremony he held there. We discuss the interaction of sound and psychedelic plant medicines, as well as the importance of using ceremony to bring meaning into life. John discusses the practice of remembering our own divine nature - Thou art That. We next discuss John's non-profit, the Microdosing Collective, and how microdosing can help the physiology achieve an optimal state of flow. We next weigh the pros and cons of an initiation to psychedelics through microdosing vs. macrodosing in a spiritual ceremony. From there, we discuss the injustices of the War on Drugs and the dangers caused by drug prohibition. We next discuss working with plant medicine in community and the importance of spiritual integration post-ceremony. John discusses his Sound School and the idea of guiding sound through play and active listening. We then consider the nature of music. We end this episode discussing Joseph Campbell, comparative mythology, and the hero's journey. Outros available for this and all episodes at entangledpodcast.substack.com. Music from the show available on the Spotify playlist “Entangled – The Vibes”. Please enjoy!Music: Intro: Ben Fox - "The Vibe". End Credits: Notize – “The Bliss”.Recorded: 04/25/23. Published: 06/19/23.Outro: Joseph Campbell, The Hero's Journey & Following Your Bliss (start at 1:08:38).Check out the resources discussed:* Microdosing Collective: https://www.microdosingcollective.org/* John Robert Downs' Website: https://www.johnrobertdowns.com/* The Hero with a Thousand Faces by Joseph Campbell: https://www.goodreads.com/book/show/588138.The_Hero_With_a_Thousand_Faces This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit entangledpodcast.substack.com

In closing this year's NCA State of the Industry Conference in Miami, John Downs, the association's President and CEO, said one of the ‘Strategic Bets' for the next 12 months is to address the largest Environmental, Social and Governance (ESG) issues that impact the reputation of the chocolate and candy industry.

Join us in this episode as we sit down with John Downs, a heart transplant survivor for over 30 years, to hear his incredible story of resilience and hope. John shares his experience from the day he was diagnosed with a heart condition to his life-changing transplant surgery and his journey of recovery. He opens up about the challenges he faced during his recovery and how he overcame them with a positive attitude and determination.

It's November 2022 and home mortgage interest rates have more than doubled from where they were a year ago. The economy is in a much different place, job security has changed, and people who anticipated starting a real estate purchase or sale are now considering if this is a good time to move ahead.  In this episode, John Downs, Founder of Downs Mortgage Group and SVP at Vellum Mortgage and Alison discuss their thoughts on what one should do when rates are high. Subscribe to our show and feel free to reach out to us on The RARE website or directly to Alison with comments and questions: www.theRAREdc.com | alison@theraredc.com IG: @theraredc

This is the closing word from Bishop Downs in Episode 49. --- Support this podcast: https://anchor.fm/hacka-podcast/support

John Downs joins Scott Hanselman to discuss how to design, architect, and build multitenant solutions on Azure. If you're building a SaaS product or another multitenant service, there's a lot to consider when you want to ensure high performance, tenant isolation, and managing deployments. We'll walk through some example SaaS architectures and see how Microsoft provides guidance to help you to build a multitenant solution on top of Azure. Chapters 00:00 - Introduction 00:23 - Multitenancy in the cloud 06:28 - Multitenancy guidance 07:00 - Design considerations 16:09 - Architectural approaches 18:07 - Service-specific guidance 20:28 - Wrap-up Recommended resources Architect multitenant solutions on Azure Architecting multitenant solutions Livestream event Share your feedback Create a Pay-as-You-Go account (Azure) Create a free account (Azure) Connect Scott Hanselman | Twitter: @SHanselman John Downs | Twitter: @JDwns Azure Friday | Twitter: @AzureFriday

John Downs joins Scott Hanselman to discuss how to design, architect, and build multitenant solutions on Azure. If you're building a SaaS product or another multitenant service, there's a lot to consider when you want to ensure high performance, tenant isolation, and managing deployments. We'll walk through some example SaaS architectures and see how Microsoft provides guidance to help you to build a multitenant solution on top of Azure. Chapters 00:00 - Introduction 00:23 - Multitenancy in the cloud 06:28 - Multitenancy guidance 07:00 - Design considerations 16:09 - Architectural approaches 18:07 - Service-specific guidance 20:28 - Wrap-up Recommended resources Architect multitenant solutions on Azure Architecting multitenant solutions Livestream event Share your feedback Create a Pay-as-You-Go account (Azure) Create a free account (Azure) Connect Scott Hanselman | Twitter: @SHanselman John Downs | Twitter: @JDwns Azure Friday | Twitter: @AzureFriday

Ready to flex your Bicep? Richard talks to John Downs from Azure Fast Track about configuring Azure resources using Bicep. John talks about Azure Resource Manager (ARM) being the under-the-hood way to create Azure Infrastructure-as-a-Service, but folks don't enjoy working directly in the JSON that makes up an ARM template. Enter Bicep, a domain-specific language that generates the JSON for you. Today Bicep is Microsoft's recommended way to build Azure resources, offering access to source control, testing, and automation that makes your Azure site more reliable and easier to maintain!Links:Bicep DocsAzure Resource ManagerBicep ModulesBicep RegistryTesting BicepAzure AD Privileged Identity ManagementLearn BicepRecorded March 3, 2022

In today's episode, we are blessed to be joined by Bishop John Downs. Bishop Downs is the former General Superintendent of the UPCA, he retired in January from the position after leading the Australian church for 21 years. Prior to being elected General Superintendent he served as the Home Missions Director and also as a Presbyter, totalling 41 years on the Executive Board in Australia. Along with that, he pastored Calvary Chapel in Canberra ACT for 28 years before becoming Bishop in 2012. In our conversation, we talk about how he found his way to the Pentecostal church, advise he has for young leaders, what he learned from 28 years of pastoring, some of his miraculous stories, and much more. You do not want to miss this conversation! --- Support this podcast: https://anchor.fm/hacka-podcast/support

Discover how to heal and transform by listening to insightful interviews with embodied space holders from all over the world on the SoulFam Podcast with the Connection Catalyst, Karolina Kuraj. In this episode our guest is John Downs - the Microdosing Integration Coach :-) John discloses various methods for microdosing and explains how important the integration after psychedelic experience is.

John Downs is one of the most badass people I know. During the Fit For Service summit in Austin, we both took part in the Elemental games, where 5 teams competed in a series of physical and mental challenges, with the goal to create a healthy relationship within ourselves around competition. I witnessed John hold 10lbs weights with his arms stretched out for minutes on end, while doing the breath of fire, in a tie breaker that would decide the fate of the final two teams left standing. I also saw John go out of his to sit with me in the sand when I faced my resistance to divine brotherhood during a sunrise men's circle in Costa Rica. John is a warrior with the gentlest of hearts. In this episode, we chat about his recent experience co-facilitating a men's retreat, we explore the power of ceremony, and we dive into his wealth of knowledge in the psychedelic space. A quick note before we start. I generally start the podcast as soon as I connect with my guest on Zoom, but this time, John and I got carried away catching up and talking about Harry Potter, among other things. I've left that part out, but as a result, the podcast has a little bit of a jump at the beginning, which you'll have to forgive me for. Having said that, I hope you enjoy this conversation with John Robert Downs! _____ Connect with John: IG: http://instagram.com/johnrobertdowns Web: http://johnrobertdowns.com

Episode 461, January 11, 2022 This episode is exactly why we do this, why we've doing this weekly since 2012. Mega KISS collector John Downs joins us to talk about his KISS collection that he recently donated to the University of South Carolina. John talks about the items he donated. His collection includes 26 guitars […]

If you are self-employed, want to buy a home, and would like to get a mortgage, the process is not the same as when you are an employee and have a steady paycheck and known salary. In this episode, Alison is joined by John Downs, a mortgage lender with over 20 years of experience lending in DC, MD, and VA who has an incredibly successful track record in helping self-employed people obtain loans. Together they discuss how the process works in general for non-W2 employees and changes that have happened in the process since the covid-19 pandemic.  Subscribe to our show and feel free to reach out to us on The RARE website or directly to Alison with comments and questions: www.theRAREdc.com | alison@theraredc.com IG: @theraredc and jdowns@vellummortgage.com

We're talking about microdosing with psychedelics on the show today. I am excited to talk about this topic as this is how my journey started with Soul Seekr. In my late 20's, I was microdosing with psilocybin mushrooms and I could TELL the difference and see the benefits!John Downs joins me. Among his many talents, he is a coach in how to develop a successful plan on how to microdose. We explore the right way to go about it.John has completed The Flow Research Collective's Zero to Dangerous and Trainer Accelerator programs for learning and coaching Flow states. Towards the end, we also talk about all things flow and the four stages of flow. LINKS & RESOURCESWant to Start Your Own Podcast? I've used Buzzsprout to produce all of my podcasts and love it! Buzzsprout is the easiest platform to get your podcast onto all the major apps... iTunes, Spotify, Stitcher, etc... It's FREE to sign up, but if you decide to upgrade to one of the paid plans later, you and I will both get a $20 Amazon gift card! That's a pretty sweet win-win deal if you ask me! Just use this link for either a free or paid plan: https://cutt.ly/ScbUtFWWizard Teams (Virtual Teams For YOU Managed by US) | https://cutt.ly/xmVsYTe Check out my Review of Pixar's "SOUL" Movie | https://cutt.ly/OmVsUNe Wizard Websites - Learn to Build a Website w/ Virtual Assistants | https://bit.ly/3lCw2kU Defiant Mushroom Coffee (Use "Sam15" for 15% OFF!) | https://defiantcoffee.co/ Permission to Podcast (Simply Show Up & Record): https://bit.ly/2N2NUoI FREE Guide on How to Uncover Your Gifts & Share them with the World | https://buff.ly/3gmml7t Spiritual Blogs & More | https://buff.ly/2Sq6Gtl Start Your Dream Business | https://buff.ly/2xpy2ITFreeup | https://cutt.ly/txFc7eV Go here if you need to hire reliable VA's. (you'll also get a $25 coupon PS. It's free to sign up!)SwagStore by SwagWorx | https://cutt.ly/bbeEK0Q John's Website | https://www.johnrobertdowns.com/ Connect w/ John | https://www.instagram.com/johnrobertdowns LET'S BE SOCIALJoin the journey — come hangout on social mediaInstagram | https://www.instagram.com/samkabert/ Join the Soul Seekr Facebook Group | https://buff.ly/2yi8ldA Twitter | https://twitter.com/soul_seekr_ LinkedIn | https://www.linkedin.com/in/kabert/  YouTube | https://buff.ly/3e4kXUO  ASK me ANYTHING: Email is Sam@CloneYourselfU.com and you can book a FREE business strategy call with me by going to Calendly.com/CLONE.THANK YOU!SamSupport the show (http://soulseekrz.com/medicine)

We invite a great friend of ours John Downs make his first appearance as a guest on our show picking the winners of a few select college football and NFL games for the upcoming weekend. --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app

The Sweets & Snacks Expo, hosted by the National Confectioners Association, is typically held in Chicago. But when the Windy City wasn't yet recovered enough from the pandemic to host this year's event, the group decided to come to Indianapolis. IBJ reporter Mickey Shuey talks with John Downs, the CEO of the association, to find out how the group decided to become one of the first trade shows to meet in person again and why it picked Indianapolis to host the show. Shuey asks about the group's experience in Indy and whether it might return. You can also read a column by Downs at IBJ.com.   The IBJ Podcast is brought to you by Resultant, formerly KSM Consulting.

A question on everyone’s mind lately is: are we in a housing bubble?  With over 20 years’ experience in the mortgage industry, John has been a top 5 mortgage lender in the DC Metro area for the past decade and has been fielding this question from homeowners for years. John has lived through several housing cycles and his perspective on bubbles, greed, booms, bust and how it relates to where are now in 2021 sheds some much needed insight on topic that has been on everyone’s mind. In this episode, we cover what a housing bubble is and discuss if the DMV is truly headed towards one or not.    Please feel free to reach out to us with comments and questions! Founder of The RARE | Realtor® Alison Scimeca: @theraredc or info@theraredc.com

Anand Shahi, President of Bar Capital, a thought leader that  invests in, advises, and raises funding for companies across the cannabis industry.   Jamie Blundell, CEO of Segra International, a Canadian cannabis tissue culture company supplying pest and disease resistant plantlets and genetics to cannabis cultivators globally.  Segra is a leader in solving consistency and yield optimization challenges for cannabis cultivators.  Brian Sheng and John Downs, CEO and EVP of Asia Horizon, a retail CBD distributor in China that has secured a  limited license to process Active Pharmaceutical Ingredients for the Asian, European and North American markets.Ben Langley and Kalad Shah, CEO and CFO of Grow Group respectively, and Pierre van Weperen, CEO of Grow Pharma.  Grow is focused on the medical cannabis market in the UK and Europe and is the partner of Tilray in the UK medical distribution deal announced recently.

How are you thinking about handling load on your application, scaling out perhaps? But what about if you're building a multi-tenant service and worried about safeguarding resources on a per tenant basis? What happens if there's a temporary blip, and there are issues that impact the stability of the application? Then tune in to this episode where Chris is joined by John Downs, talking about the Throttling, Retry and Circuit Breaker Patterns. This is another episode in the series of Architecting for the Cloud, one pattern at a time.

Want to focus on scaling an application, or care about resilience? Have a multi-tenant app, but some of your customers have specific requirements for their scenario? Want to have an application deployed globally, but users housed in a particular area for Data Sovereignty? Then listen in to this session where Chris Reddington is joined by John Downs, talking about The Deployment Stamps Pattern. This is another episode in the series of Architecting for the Cloud, one pattern at a time.

Communion Service

Father's Day Message

How does mortgage lending actually work? John Downs is a certified mortgage planner and founder of The Downs Group, a full-service mortgage lending team in Washington, D.C. In this episode, we discuss the various aspects of mortgage lending to try to demystify the process for potential first-time homebuyers. Please feel free to reach out to us with comments and questions! Kevin Mahoney, CFP®: @bykevinmahoney or kevin@illumintfc.com Realtor® Alison Scimeca: @alirun9 or alison@compass.com

Today we speak with World War II veteran John Downs on his experiences during the war, his thoughts on how society has changed, and his hopes for the future.

The mortgage industry is constantly evolving, and even the top loan officers are at risk of losing the positions they worked hard to get. How can you safeguard yourself from being passed by? Does the answer lie in looking for new agents and buyers? On this episode, we talk with the founder of Downs Capital Mortgage Team, John Downs, to hear how he went from hero to zero, and got right back up again. You’ve got to specialize in what you’re doing. -Sean Zalmanoff   Resources Take your mortgage business to the next level. Visit nextlevello.com for more information. Click here to schedule your free no-obligation Next Level Coaching Call: https://nextlevello.com/schedule   Three Things We Learned From This Episode Keep reinventing yourself (06:41- 08:04)The mortgage industry is constantly changing and evolving, so it only makes sense that loan officers must keep reinventing themselves. Stay on top of market trends and follow where the industry is going, not just where it is at the moment. Be clear about what YOU want (08:36- 10:29)To do well in business, you have to be a specialist in your field. Narrow down your own passions and talents, and approach clients who are in need of what you’re best at. This way, you’re bringing your consumer excellent value and doing something that fulfills you. Relational approaches are more effective than transactional ones (12:54- 14:25)Have a relational approach to your business, rather than an exclusively transactional one. By building relationships and fostering them over a longer period, you’re maintaining value. Stop forcing yourself to work harder by constantly finding new agents and buyers, and focus instead on the clients you have now. With tech companies like Amazon getting involved in real estate, it can present new challenges for mortgage professionals. The only way to maintain your position as a top loan officer is by becoming a master in your field and fostering the relationships you already have. The important thing is to make sure you aren’t discouraged too easily. If you’ve had it in you to become a top officer in the past, you have it in you to do it again.   Guest Bio- John is the architect and founder of Downs Capital Mortgage Team. His motto is “wealth for the next generation”. Whether you count yourself as part of the next generation, or are ready to build the next level of wealth for yourself, John thinks everyone deserves a great financial foundation. John will tell anyone who will listen that a mortgage is an instrument of leverage — and that a mortgage allows you to use someone else’s cash to build your own wealth.   Today, Downs Capital is a thriving unit of MVB Mortgage. John’s team is comprised of mortgage experts who also happen to be fierce competitors, client advocates, friends, athletes, coaches, neighbors, parents and dog lovers.   To contact John, call or text him on 202-899-2603   To find out more about John, head to: https://jdowns.mvbmortgage.com/ You can also look at: https://www.linkedin.com/in/downscapital/

The first service of March Forward 2019 preached by Rev. John Downs. --- Send in a voice message: https://anchor.fm/lighthousechurch/message

On this episode, I get to sit down with John Downs, branch manager with Caliber Home Loans, and founder and architect of Downs Capital. John and I discuss how he’s reinventing the process of getting a mortgage and why friends are so important to building a sustainable business. Tune in for more! Love the show? Subscribe, rate, review, and share! Here’s How » Join the Mortgage Lending Mastery Community today: jenduplessis.com Become a MLM Gold Member! MLM Membership

On this episode, I get to sit down with John Downs, branch manager with Caliber Home Loans, and founder and architect of Downs Capital. John and I discuss how he’s reinventing the process of getting a mortgage and why friends are so important to building a sustainable business. Tune in for more!   Love the […]

You don’t want to find yourself blindsided by more fees than you bargained for when you sit down to close the deal. In this episode of Mortgage Secrets, John Downs of Downs Capital talks all about closing costs. What are they? What kinds are there? How much does it vary? From insurance options to title company costs, John breaks down the nitty-gritty of the different fees associated with closing, and he explains what why your estimate might change if your loan officer isn’t paying attention to the details. If you are leaning towards settling with the “lowest price available,” you might find yourself sorry when it comes time to sign the paperwork. This episode covers what you need to know before you make a final decision on a lender, so you don’t end up surprised!

Mortgage rates can be pretty confusing, particularly if you’re a first-time home buyer being overwhelmed with “lowest rates available.” It doesn’t seem to help that many lenders use misleading marketing tactics! Do you wonder how loan officers even come up with those numbers that make up your mortgage quote? In this episode of Mortgage Secrets, John Downs of Downs Capital breaks down what all goes into a mortgage loan rate, why the best available rate on a given day may not be as significant as you think, and how choosing the best loan product (like anything else in the home-buying process) really comes down to what your life goals are.

While you might think that the mortgage rate is the most important aspect of your loan shopping experience, there are several things to consider before jumping for the cheapest available. In this episode of Mortgage Secrets, John Downs of Downs Capital shares stories from his 17 years of experience in the mortgage lending industry to illustrate how numbers shouldn’t be the only deciding factor in your loan decision. Signing up for a mortgage is a hefty commitment that goes beyond a monthly payment. You’ll be starting a long-term relationship with a loan officer, so you’ll want to make sure you pick the right one. This episode dives into what makes a loan officer worthy of your business—and friendship.

What if we said that everything you’ve been told lately about how “buying a house is not an investment” wasn’t true? In this episode of Mortgage Secrets, John Downs of Downs Capital shares three real-life examples of ordinary people building wealth through real estate—and it all started with doing the numbers, taking a leap of faith, and buying that first property. By taking that first step, you’re on the path to building equity over time, which you can use to expand your personal empire. Whether your hesitation is fueled by a low down payment or by wanting to buy in a seller’s market, John explains why it’s probably still a good idea to invest in property sooner rather than later. They say that time solves all problems in real estate, and this episode takes a look at how and why.

One of the biggest conversations you will have about buying a home is around how much money you should or shouldn’t put down on your home loan. Putting a chunk of money down on a mortgage is a pretty impactful decision, of course. Once you sign the dotted line and hand over the check, the money you put down is no longer easy to access. If you’re thinking about buying a house, this episode of Mortgage Secrets will clear up some of that confusion. “Limiting factors” may seem a daunting phrase, but the secret to finding what works for you is exploring where you are financially and what options you have available. Sharing his knowledge from 17 years of experience in the mortgage industry, John Downs of Downs Capital explains how you can figure out how much you should put down and where your money should come from.

We’ve all heard the word “mortgage,” but what’s really included in all of that? Why do homeowners find themselves surprised when their monthly bill ends up being way more than they bargained for? In Episode #2 of the Mortgage Secrets podcast, John Downs of Downs Capital breaks it all down for you, sharing nuggets from his 17 years of experience in the mortgage industry to keep you awake and aware throughout your home buying process. Before you find yourself completely blindsided with an inflated bill, find out everything that goes into your monthly house payment. John explains in this episode what the heck amortization is, who might not want an escrow account, why online mortgage calculators are usually misleading, and other factors that might cause your monthly house payment to fluctuate. Be aware, know what your fees look like, and you’ll never be surprised!

Mike chats with John Downs about his years in radio at 680 News, AM640 and 1010. We also discuss his recent night in jail, his work with Sun News Network and why he thinks Doug Ford got him canned.