Podcast appearances and mentions of larry bailey

Larry Bailey and Caeli Ridge hosted this episode, where Caeli reviewed a Schedule E from a personal 1040 Schedule E.Here is what we covered at this event:Reviewed a 1040 Schedule E as a Lender wouldEncouraged you to get your mortgage application into Ridge Lending Group in time to close this yearCheck 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 or send a text to 503-836-8582Copyright ©2022 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

Larry Bailey and Caeli Ridge host this episode where we spent time reviewing a residential appraisal report.Here is what we covered at this event:Open Q&AReviewing a Residential AppraisalCheck 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 or send a text to 503-836-8582Copyright ©2022 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

Larry Bailey and Caeli Ridge host this episode where we spent time reviewing new topics that are important with the times.Here is what we covered at this event:Open Q&ACurrent Market NewsPhysical Property ReviewsWaiting vs. Not Waiting in this market (and others)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 or send a text to 503-836-8582Copyright ©2022 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

Larry Bailey and Caeli Ridge host this episode where we spent time with the community to review a new loan program and to review a community member property he is considering investing in.Here is what we covered at this event:Open Q&AReviewing a new loan program that allows for cross-collateralizationA community member brought a property to Caeli to review. She provided invaluable insights on how to review the property for investmentCheck 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 or send a text to 503-836-8582Copyright ©2022 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

Larry Bailey and Caeli Ridge host this episode where we spent time with the community to help explain what is happening in these changing times for loan programs and interest rates.Here is what we covered at this event:Open Q&AReasons and methods for cashing out (harvest equity)Owner-occupied loan optionsHere are some highlights:1. Borrowed funds are non-taxable2. Non-QM is available in OH and 46 other states with Ridge Lending Group3. Commercial loans for residential properties (including non-recourse)4. DSCR loan reserves are specific to the property5. You need to use the Simulator to find out if the All-in-One loan program works for you6. Position yourself now to be prepared for the next deal you will be given7. Keep your eye on deeply-discounted properties...they are starting to be available8.  Cross-collateralized Lines of Credit are coming to market with Ridge Lending GroupCheck 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 or send a text to 503-836-8582Copyright ©2022 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

Larry Bailey and Caeli Ridge host this episode with a very special guest. Ashish Acharya is known as the "Investor Friendly CPA" and is a WEALTH of knowledge for Real Estate investors everywhere.  We had a fantastic time and spent over 1 hour talking about how to create opportunities to reduce your federal and state income taxes using cost segregation.Here is what we covered at this event:What is cost segregation?Why are we using cost segregation as a strategy? Why are we doing cost segregation in real estate and not other businesses?What is the downside of accelerating the depreciation if we take the first-year bonus? Is cost segregation helpful even if you don't qualify as a Real Estate Professional Status (REPS)?Here is some additional information to reach out to Ashish:Some biography and Social Media linkhttps://www.crecapitalmgmt.com/#teamhttps://www.investorfriendlycpa.com/ashish-acharya.php-         Facebook https://www.facebook.com/Investorfriendlycpa-         YouTube https://www.youtube.com/channel/UCu1-6wkkAWcBhkHpHV4sTQg-        Instagram https://www.instagram.com/Investor_friendly_CPACheck 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 or send a text to 503-836-8582Copyright ©2022 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

Season 3 is in full swing, and we're excited to chat with Larry Bailey, CEO of Mortgage Workflow Partners. Larry is a big proponent of rolling up your sleeves, getting under the hood, and analyzing how a business really works. Not how the CEO thinks it works, but how it actually works. Investing in workflow is critical to ensure both that your business is working the way you think it is and that you're embracing the best possible functionality. Larry is a true veteran, and we were excited to pick his brain and swap stories.

Larry Bailey and Caeli Ridge host this episode and they talk about:Loan Programs for Owner Occupied homesConventionalFHAVAUSDAHELOCConstruction LoansAnd more...Interest Rates for Owner Occupied homes More volatile and best pricingEnhanced processing, underwriting, and closing for Owner Occupied homesUsually less documentation and quicker processing and closing times 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 or send a text to 503-836-8582Copyright ©2022 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

Larry Bailey and Caeli Ridge host this episode and she talks about:Asset protection through using an LLC and also through using a non-recourse loan How to mentally make it through this kind of environment as an investor Announcing our special CPA guest for a future showFannie Mae and Freddie Mac "Due on Sale " ClauseCaeli reminds you about how to set up the best way to capture the most money from your property "ARV" - After Rehab ValueCheck 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 or send a text to 503-836-8582Copyright ©2022 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

Larry Bailey and Caeli Ridge host this episode, and she talks about:Caeli discusses current market conditions for the value of your homeCurrent interest rates can try to undermine your efforts in investingEquity Harvesting - now is the time to do itOwner-Occupied loan programs that are availableFixed versus ARM (Adjustable Rate Mortgage) productsFull Amortization versus Interest OnlyDiscussion about Condo-tels**Bonus Content - Post-Credits - Caeli reviews a property Mike found**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 or send a text to 503-836-8582Copyright ©2022 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

Larry Bailey hosts this episode and he reviews some Community questions:The Process to change an owner occupied into an investment propertyCost Segregation practices/strategies1031 ExchangesDealing with a Lender that limits your limits on lending based on your financed propertiesSome other great informationCheck 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 or send a text to 503-836-8582Copyright ©2022 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

Larry Bailey and Caeli Ridge host this episode and he talks about:Getting ready for your next Long Term RentalNeighborhoodProperty ClassTenant PoolIndustrySchoolsAgeMany, Many 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 or send a text to 503-836-8582Copyright ©2022 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

Larry Bailey hosts this episode and he talks about:General open questions and answersMortgage Market MeltdownPersonal SituationsThe All-in-One loan programSweep Account usageExplaining ARMs - Adjustable Interest RatesShort-Term versus Long-Term RentalsYou 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 or send a text to 503-836-8582Copyright ©2022 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

Larry Bailey hosts this episode and he talks about:Open Questions and AnswersFull breakdown of the All-in-One SimulatorCheck 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 or send a text to 503-836-8582Copyright ©2022 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

Larry Bailey hosts this episode and he talks about:Financing homes with exclusively Short Term Rental historySetting and reviewing your goals for 2022KUDOS to Nichole Rich-Byrne for sharing her personal story/situationCheck 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 or send a text to 503-836-8582Copyright ©2022 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 and Larry Bailey host this episode and we talk about:Having a Summer Book ClubNominationsThe Changing World OrderOne Rental At A Time: The Journey to Financial Independence through Real EstateCross-Collateralization (AKA Blanket Loans)Closing in the name of your LLCNon-Recourse loansTransferring your deed from yourself to your LLC after closingUsing the "Income Approach" for the value of your propertyRemembering how the "All-in-One" loan works - as a "Sweep" accountCaeli's favorite slogan - "The Math Won't Lie"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 or send a text to 503-836-8582Copyright ©2022 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

Larry Bailey hosts this episode and he talks you through 3 different kinds of loan programs that help you close more of your loans in real estate investing.Larry covered these 3 different kinds of loan program series:"V-Series" LoansStreamline Jumbo Loans"D-Series" LoansCheck 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 or send a text to 503-836-8582Copyright ©2022 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 and Larry Bailey host this episode and we talk evaluating your strategy for your next Investment Property .We covered:How to evaluate for:Long-Term RentalShort-Term RentalAppreciation to SellBRRRRProperty ManagementWe will also review and re-post the Property Management Questions checklist with the call replay.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 or send a text to 503-836-8582Copyright ©2022 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 and Larry Bailey host this episode and we talk about why you should be reviewing your real estate portfolio and ideas to make it grow.We covered:Reviewing your portfolioPlanning to grow your portfolioDifferent kinds of loan programs you should considerHow the Certified Power Buyer® program helps you prepare for your next purchasesAn open Q&A sessionYou 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 or send a text to 503-836-8582Copyright ©2022 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 and Larry Bailey host this episode and we talk How to Qualify and Prepare for your Next Investment Property.We covered:How Ridge Lending Group customizes your loan program for your next investmentRidge Lending Group is not a one-size-fits-allFannie/FreddieDSCRBank StatementsITN1099Ideas for "finding" money for investmentsJoint VentureLine of Credit or Cash-Out Refinance your primary home or investment propertyOther People's Money (OPM) and leverageUse your LLC and record a lien to make the refinance a Rate/Term refinanceAdjustable Rate Mortgages should be strongly considered nowListener question - What could be the best choice of how to take an investment property owned free and clear and turn that into more investment opportunities1031 Exchange overview and commentsTaking your current primary home and turning it into an investment property ("House Hack")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 or send a text to 503-836-8582Copyright ©2022 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

Larry Bailey hosts this episode and reviews some current market information and how this could affect you as a real estate investor.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 or send a text to 503-836-8582Copyright ©2022 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 and Larry Bailey host this episode and we talk about today's rates and what to do about it. We covered:Fixed Rate vs Adjustable Rate MortgagesHow rates actually affect your cashflowQ&A topicsUsing a Debt Service Coverage Ratio loan for a purchaseHow the LTV ratios are mostly the same for ARMs (Adjustable Rate Mortgage) vs FRMs (Fixed Rate Mortgage)Qualifying using a 3/1 and 5/1 ARM vs 7/1 and 10/1 ARMCashflow is still important, even if it is just a little negativeCaeli's COVID experienceYou 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 or send a text to 503-836-8582Copyright ©2022 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

Larry Bailey hosts this episode and reviews how Ridge Lending Group (and all lenders) determine your eligibility for a new loan using LTV (Loan to Value) and DTI (Debt to Income). DTI can change depending on your occupancy (Primary home, Second home, or Investment), as well as the amount of rent you can use and document for your investment loan. Follow along to find out more.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 or send a text to 503-836-8582Copyright ©2022 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

Larry Bailey hosts this episode and reviews some current market information and how this could affect you as a real estate investor.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 or send a text to 503-836-8582Copyright ©2022 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

Larry Bailey hosts this episode and reviews some Market Talk, LTVs, Pre-Approvals, and W/2 vs 1099 income.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 or send a text to 503-836-8582Copyright ©2022 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

Larry Bailey hosts this episode and reviews the idea of finding and preparing for the next purchase. How to compete and win in a demanding market (wherever you are). And remind me why are you sticking to that market...?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 or send a text to 503-836-8582Copyright ©2022 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

Larry Bailey hosts this episode and reviews the idea of finding and preparing for the next purchase. How to compete and win in a demanding market (wherever you are). And remind me why are you sticking to that market...?There is a great referral to the folks helping spread financial awareness. Visit  https://www.ngpf.org/ to find out moreYou 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 or send a text to 503-836-8582Copyright ©2022 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

Today's show  was hosted by Larry Bailey and he will be covering the details of mortgage lending and  what goes on "behind the curtains" in mortgage application processing, underwriting, and closing. This will be a 2 part series, so make sure you are asking questions along the way. Here is a proposed agenda for our mini-series:The agenda of the call is:- Choosing a lender - How to start and complete a mortgage application - What kinds of documents will you need to send in and when - What are the costs of applying for a mortgage - What is a pre-qualification - What is a pre-approval - What is an underwriting approval / commitment to lend - What are underwriting conditions - What is title insurance for - Getting ready for closing and how to avoid jeopardizing your application - What happens at the closing table - What happens after the closing - When to choose a new lender 

Today's show  will be hosted by Larry Bailey and he will be covering the details of mortgage lending preparation (as a borrower), as well as what goes on "behind the curtains" in mortgage application processing, underwriting, and closing. This will be a 2 part series, so make sure you are asking questions along the way. Here is a proposed agenda for our mini-series:Process for preparing for a new mortgage- Income documents and calculations - Credit report review and preparations - Assets review and preparation - Property review - Choosing a lender - How to start and complete a mortgage application - What kinds of documents will you need to send in and when - What are the costs of applying for a mortgage - What is a pre-qualification - What is a pre-approval - What is an underwriting approval / commitment to lend - What are underwriting conditions - What is title insurance for - Getting ready for closing and how to avoid jeopardizing your application - What happens at the closing table - What happens after the closing - When to choose a new lender 

This was an event Larry Bailey hosted on 2-10-2022. This was to walk through ideas and experiences of how the 203k loan program works, as well as how it worked for me. Some good information is as follows:The Standard FHA 203(k) Mortgage may be used for remodeling and major repairs. There is a minimum repair cost of $5000 and the use of a 203(k) Consultant is required.The minimum credit score is 600Terms can be 10Yr., 15Yr., 20Yr., 25Yr., 30Yr. Fixed 5/1 Hybrid ARM1-2 Unit Primary ResidenceSite CondominiumPUDsProperty must be an existing Property that has been completed for at least one year prior to the case number assignment date.A Property that is not eligible for a 203(b) Mortgage due to health and safety or security issues may be eligible under 203(k) if the rehabilitation or repair work performed will correct such issues.A Property with an existing 203(k) Mortgage is not eligible to be refinanced until all repairs are completedMaximum LTV/CLTV/HCLTV - • Purchase 96.50%• Rate/Term Refinance 97.75%HUD main link for all things 203k click here

Flute 360 | Episode 116: “Military Flutists with Staff Sergeant Sonia Dell’Omo” (48:04) In today’s episode, Heidi talks with Sonia Dell’Omo about her time being a Military Flutist in the U.S. Army Band. She goes into detail about the audition process, her experience with basic training, and advises those who are considering this career path. This series runs through the entire month of May 2020 and we hope that it is beneficial for you and, or your students. Episode 116 – Main Points: 0:50 – Contact: J&K Productions & Flute 360 for consultation work! 2:14 – Welcome & Introduction! 3:44 – Texas Flute Society 4:32 – Larry Bailey, flutist 4:33 – Dr. Ellen Kaner, flutist (E54) 4:47 – Heidi: Please share with the listeners who you are and your musical background! 4:54 – Sonia’s Answer 7:16 – Professor Terri Sundberg, flutist 8:20 – The University of North Texas, Denton, TX, USA 8:54 – Master’s of Music Degree Program at UNT 10:45 – “[To prepare for an audition], I had to be efficient and use every minute that was available to me.” – Sonia 11:48 – Teacher Appreciation 14:19 – Question: What inspired you to enroll as a flutist in the Pershing’s Own, U.S. Army Band? 14:33 – Sonia’s Answer 14:36 – Air Force, USA 16:08 – Piccolo! 17:00 – Washington D.C., USA 20:26 – Use your resources and the people in your life to get your questions answered! 21:26 – Basic Combat Training through the Army 22:01 – Sonia’s big takeaway about basic training. 23:31 – Question: Did you feel lonely during that season of your life? 23:38 – Sonia’s Answer 25:36 – Step outside of your comfort zone to get ahead in your career! 26:51 – Heidi asks a question – listen here! 27:03 – Sonia’s Answer 29:40 – Question: Putting aside the current quarantine, what does your schedule typically look like as an Army flutist? 29:46 – Sonia’s Answer 31:10 – The Tomb of the Unknown Soldier 32:05 – The Blues, USA Army Jazz Band 33:37 – Arlington National Ceremony 33:57 – Question: For a musician who is considering this career path, what advice do you have for him or her? 34:09 – Sonia’s Answer 34:23 – To prepare for your next audition, record yourself, and be super honest about your playing. 36:22 – Jennifer M. Gunn (Piccolo) and David Cooper (French Horn) 38:40 – Question: Any last sentiments that you’d like to share with the listeners? 38:55 – Sonia’s Answer 42:27 – Series 24 Reference 42:38 – PICKS! 46:20 – Conclusion 48:00 – Bronze Sponsor: J&K Productions PICKS! Sonia: Book: Little Fires Everywhere by Celeste Ng Book: Everything I Never Told You by Celeste Ng My Dog, Piper! Heidi: Small PDF Website Episode 116 – Resources Mentioned: Dr. Heidi Kay Begay’s Website Dr. Ellen Kaner’s Flute 360 Episode 54: Tips for Doublers! Series 24: Episode 113, 114, 115, 116, and 117! Episode 116 – Sponsors: Gold Level: J&K Productions Bronze Level: J&K Productions

Pastor Larry Bailey just went viral on Yahoo for extending a Thanksgiving invitation to the entire student body of Marshall University. Today he's talking about the invite— and the time an illegal immigrant showed up on his front door. Listen now! Buy Choosing Mary's Place: https://dougnewton.com/bookshelf/ Bishop's Crisis Relief: http://fmcusa.org/blog/2018/11/19/bishops-fund-to-support-wildfire-recovery/ Leave a voicemail for the show by calling: (914) FMC-USA1 Please like the show page at www.facebook.com/fmcradio and follow us on Twitter @FmcRadioShow Email Josh: josh@befreemc.org

A firsthand account of local discrimination and civil rights as told by Larry Bailey, a member of the first African American family to move into a white neighborhood in East Palo Alto. Produced by Michaela Fogarty and Maya Rebitzer.

Retired Special Operation personal strategize on the next steps to save America.

Retired Special Operation personal strategize on the next steps to save America.

Tyler left home to serve in the military.  He was assigned to the security detail for the alien visitors known as Silvers.  Nothing could be more shameful in the eyes of his family.  You never really can leave home, though.  Tyler's father, Harlan, is dying, and he is called back to be there for his final hours.  Tyler thinks he knows what awaits him at the family farm, but he couldn't be more wrong...In a first for the show, Big and Rish have the producer of the episode, Bryan Lincoln, as a very special guest star.  They talk about the production, its challenges, and how this story is unlike all the episodes that came before it.  They're demons, Lenny!Special thanks to Bryan Lincoln for producing today's story, and to Kathryn Pride, Tobias Queen, Tom Merritt, Larry Bailey, David Robison, Brion Humphrey, James David Jackson, David Mastin, and Bryan Lincoln for lending their voices to today's episode.

An uneasy night passes inside the shelter.  McInnes is ill, the children are in a panic and Major Grant is pushed to his breaking point.  Will the survive the night and successfully transport the surviving children to Slim Shimmer's Amusement Park? Starring James Baxter as Ken, Bryan Lincoln as Mark, and Gwendolyn Jensen-Woodard as Jo. Featuring Ayoub Khote as McInnes, Michael L Stokes as Grant, Laura Nicole as Dr. Vesta, M Sieiro Garcia as Sarge, Ron Runeborg as Ying. Featuring Orenthal Hawkins  as Dr. Van Hawkins and Jule Hoverson as Balamani Sarasvatsi. With Renee Chambliss as Becky, Larry Bailey as West.  Additional Voices by Bryan Lincoln and Veronica Giguere. The episode was written by Jay Smith. Show running and Editing by Bryan Lincoln. Production assistance by DT Kelly and Ginny Swann.  Sound FX, Sound Design, mixing and mastering by Michael L Stokes. Musical Direction by Michael L Stokes and Jay Smith featuring original music by Michael L Stokes, Kevin MacLeod and Admiral Bob, used courtesy of the Creative Commons License.     “Devastation and Revenge” - Kevin MacLeod Licensed under Creative Commons: By Attribution 3.0

  In the future, a sick Ken Peters faces his mortality and tries to recount his battle with “The Googies” before his time runs out. Back in time and overloaded with refugees of General Ying’s recruiting “farm” for the Happy Valley Militia, a younger Ken fights alongside McInnes, Grant, Dr. Vesta, Jo and Sarge against hostile eaters to reach a secure place to camp – an abandoned strip club just off their main route. But is any place truly safe? Is any man, woman…or child? Starring James Baxter as Ken, Bryan Lincoln as Mark, Gwendolyn Jensen-Woodard as Jo. Featuring Ayoub Khote as McInnes, Michael L Stokes as Grant, Laura Nicole as Dr. Vesta, M Sieiro Garcia as Sarge, Ron Runeborg as Ying. With Steve Cox as The Doctor, Ray Saltrelli as “B”, Larry Bailey as West, and Renee Chambliss as Becky. The episode was written and directed by Jay Smith. Line Direction and Editing by Bryan Lincoln. Sound FX, Sound Design, Mixing and Mastering by Michael L Stokes. Musical Direction by Michael L Stokes and Jay Smith featuring original music by Michael L Stokes, Kevin MacLeod and Admiral Bob, used courtesy of the Creative Commons License.   Admiral Bob appears courtesy of the Creative Commons license with works covered under Creative Commons Attribution Noncommercial (3.0). Visit http://ccmixter.org/people/admiralbob77/profile for more information on works by this artist.   Kevin Macleod courtesy of the Creative Commons license with works covered under Creative Commons Attribution Noncommercial (3.0). Visit http://incompetech.com/ for more information on works by this artist.   “Devastation and Revenge” - Kevin MacLeod Licensed under Creative Commons: By Attribution 3.0 http://creativecommons.org/licenses/by/3.0/   “Sunrise” - Admiral Bob Licensed under Creative Commons: By Attribution 3.0 http://creativecommons.org/licenses/by/3.0/   “Where Do We Go?” - Admiral Bob Licensed under Creative Commons: By Attribution 3.0 http://creativecommons.org/licenses/by/3.0/   “The Key” - Admiral Bob Licensed under Creative Commons: By Attribution 3.0 http://creativecommons.org/licenses/by/3.0/   “Bittersweet Moments” - Michael L Stokes Licensed under Creative Commons Attribution-NonCommercial-NoDerivs 3.0 Unported License  

With the selection of a new Shepherd, the Brotherhood of the United Flesh is at a crossroads.  Ken Peters' watches as the Makwe Camp falls into chaos with the new Shepherd and a divided flock.  This event sends Ken and Jo on separate missions to save the innocent people who saw Makwe as a safe zone and who are now marooned in a hundred square miles of wilderness on the edge of a long winter. Starring James Baxter as Ken, Bryan Lincoln as Mark and Gwendolyn Jensen-Woodard as Jo. Featuring Ray Saltrelli as B, Eric Avedissian as Brother Archer, Larry Bailey as Brother Morrison, Doc Coleman as Brother Readick, Peter Cavell as Montcastle, John Lincoln as Gourmond II, B.Busby as Mifflin, Ayoub Khote as McInnes and Michael L Stokes as Grant. The episode was written and directed by Jay Smith. Show running, Voice Direction, and Editing by Bryan Lincoln. Sound Design and FX by Michael L. Stokes, Engineered, Mixed and Mastered by Michael L Stokes, Musical Direction by Michael L Stokes and Jay Smith featuring music by Kevin MacLeod, Josh Woodward and Jonathan Coulton used courtesy of the Creative Commons License. Themes and soundtrack composed and performed by Michael L. Stokes. HG World is a production of 3015 North Studios, with content used with permission under the Creative Commons License. For more information on this production, visit us online at www.goodmorningsurvivors.com