Podcasts about lender

⭐ Join Rental Property Mastery, my community of rental investors on their way to financial freedom: https://coachcarson.com/rpm  

Why is emotional intelligence the secret to business growth? In this powerful episode of the Grownlearn Podcast, Zorina dives deep with international speaker and human behavior expert Carly Pepin to explore the real drivers behind sustainable success in business—emotional intelligence, trauma clearing, and behavioral awareness. Carly shares how entrepreneurs and CEOs can overcome burnout, align with their true vision, and scale their companies without sacrificing themselves in the process. She explains why understanding human behavior isn't just a personal development tool—it's a strategic business advantage. You'll learn how emotional intelligence can unlock better leadership, stronger teams, and deeper client relationships—plus, how clearing trauma can remove unseen blocks to your success. Connect with Carly for potential coaching sessions on www.westcoathgrossadvisors.com ................................................................................................................................................................. IF YOU'RE AN INVESTOR—WHETHER VC, PRIVATE EQUITY, LENDER, OR ACTIVE IN THE CAPITAL MARKETS—AND YOU'D LIKE TO BE A GUEST ON GROWNLEARN'S CAPITAL PLAYBOOK

Did you hear about the mortgage broker who always ate lunch alone? Yep—it turns out he was a loaner.Okay, a bit of levity to start the program today, but you know what's serious business? Buying or selling a home. Are spring and summer still prime seasons to jump into the market? Dale Vermillion joins us for insight on today's real estate and mortgage trends. Dale Vermillion is the author of Navigating the Mortgage Maze: The Simple Truth About Financing Your Home. This book covers everything you need to know about securing a mortgage—all from a biblical perspective.Is Spring Still a Seller's Market?While spring and summer are still active seasons, seasonality in real estate isn't what it used to be. The rise of online listings means people shop for homes year-round. However, warmer weather, the end of the school year, and a desire for fresh starts still push many families to buy and sell during this time.There's a lot of activity right now. Listings are up over 700,000—33% more homes than last year. And new home sales? Up to 76,000 in just the last 30 days.With more homes on the market and fewer buyers competing, this may be the best opportunity to buy a home since 2021.Selling a Home? Stand Out With These TipsIf you're on the selling side, you'll need more than a “For Sale” sign. Here are a few key steps to rise above the noise:Price your home right from day one. Use recent comps, a professional appraisal, and work with a local agent who knows your area. Stage your home well. With more buyers relying on online home tours and 360° walkthroughs, curb appeal and clean, well-lit interiors matter more than ever. Declutter and simplify. Remove excess items and ensure the space feels open and welcoming—both inside and out.Buying a Home? Here's How to Prepare WiselyFor starters, you need to understand that pre-approval is not the same as pre-qualification. Pre-qualification is often based on unverified info. You want a full pre-approval, where your application, income, credit, and down payment are all verified.This not only makes your offer more attractive to sellers but also helps you understand what you can realistically afford. And that's the other key point—know your budget. Don't rely solely on what a lender says you qualify for.Create a detailed budget based on your actual income and expenses.Consider your long-term financial goals, not just your current desires.Most importantly, pray about your decision. Ask God for wisdom and peace before making such a significant commitment.What About Mortgage Rates in 2025?Many are still waiting for interest rates to drop—but experts say don't hold your breath.The Fed rate may drop a few times this year, but that mostly affects short-term debt like credit cards and auto loans. Mortgage rates, on the other hand, are driven by the 10-year Treasury note.As inflation eases, mortgage rates may follow, but they're expected to remain relatively stable for now.If you're a buyer, now could be the right time to act, with high inventory and lower competition. But as always, make sure your decision is rooted in financial wisdom and prayerful dependence on God. Only buy what you can afford, and trust the Lord through the process.On Today's Program, Rob Answers Listener Questions:I just retired and received a $20,000 check. I'm not sure what I should do with this money. I have a Roth, some savings, an annuity, and a 401(k), but I haven't talked to a financial planner about my current financial status. What should I do with this $20,000?I write one check every Sunday to tithe to my church. If everything goes electronic, I don't know how to track it.As I get closer to having my home paid off, I would like to know if it's better to keep an outstanding balance on my mortgage to maintain the mortgage credit and homestead credit for property taxes, or just pay off the home and deal with increased taxes.Years ago, when we were leading classes with Howard Dayton, our group discussed how collecting offerings at church feels very personal. When the offering basket is passed and a deacon holds it, we almost see it as Jesus' hand holding out the basket. It becomes a very personal act of giving, almost like giving directly to Jesus himself. I'm curious how many people over 65 still write a lot of checks.Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Bankrate.comChristian Community Credit Union (CCCU)An Uncommon Guide to Retirement: Finding God's Purpose for the Next Season of Life by Jeff HaanenNavigating the Mortgage Maze: The Simple Truth About Financing Your Home by Dale VermillionWisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

Behind every solid pre-approval is a lender grinding through hours of work, spending hundreds of dollars, and showing up day or night to support your client. In this episode of The RE Source, we expose the real cost of doing business the right way—and why local lenders deserve more than just a passing referral. They deserve loyalty. You'll learn: ✅ What actually goes into a thorough pre-approval ✅ Why the “rate shopper” mindset hurts everyone involved ✅ How to educate your clients on the real value of trusted lenders ✅ A better way to refer that boosts trust, loyalty, and conversions Whether you're a Realtor, Loan Officer, or industry pro—this conversation is a must-watch if you care about long-term success, solid partnerships, and delivering top-tier client experiences.

Ever wonder if your trauma means you're destined to parent imperfectly? In today's episode, Theraplay expert Dafna Lender shares how all parents mess up - and that's actually okay!As a clinical psychologist and post-traumatic parent myself, I was fascinated by Dafna's perspective on how we can provide healthy childhoods despite our own wounds. She compassionately explains why parents with trauma histories often experience such crushing self-doubt and offers practical ways to rebuild connection through play. What struck me most was Dafna's story about a mother and adopted daughter who transformed their relationship over two years of treatment - proving healing is possible even in the most challenging circumstances. If you've ever frozen during a parenting moment, felt triggered by your child's behavior, or wondered if you're "too damaged" to parent well, this conversation will reassure you that repair is always possible. You'll learn why those moments when your kids push your buttons can become opportunities for growth rather than shame.Topics covered on Theraplay:How does parental trauma affect our ability to be responsive to our children's needs?Why do we feel like our children are "triggering" us, and what can we do about those moments?What happens when professionals exclude parents from their child's therapy sessions?How can theraplay help rebuild damaged relationships between parents and children?Why do parents without secure attachment models experience more self-doubt?How can we explain our trauma responses to our children in age-appropriate ways?How long does it really take to repair damaged attachments between parents and children?Connect with me on Instagram @dr.koslowitzpsychology and don't forget to subscribe to our YouTube channel Post Traumatic Parenting.For full show notes and more resources visit https://www.drrobynkoslowitz.com/2025/05/09/theraplay-healin…ith-dafna-lender

It's the fifth of May, but we care more about the first of May / Highlights from our weekend / Fred's long and tedious piano story / Breakfast with Spencer / Dan goes to a birthday party / Mike Kazarian of Lender's Choice Mortgages / Ken Johnson of Lipari Mining / The Orange Idiot update / Dan Duran the anchorman Hosted on Acast. See acast.com/privacy for more information.

In this episode, Blaine answers several questions from the listeners about building their non-lender appraisal business, hiring and training apprentice trainees, and how to stop being the bottleneck in your own business. 

Welcome to our first episode of Learn With A Lender with Christian Bachelder! In this episode Christian explained the complexities of predicting interest rates and how the bond and stock markets interact. Christian highlighted the significant tax advantages of real estate investment compared to other investment vehicles and why the strategy of buying one property per year as an alternative to traditional 401(k) investments is great. Christian and DJ also discussed how purchasing properties strategically can create generational wealth and provide a more robust retirement plan than traditional investment methods. If you'd prefer to watch this interview, click here to view on YouTube!  Christian Bachelder can be reached at Christian@theonebrokerage.com. This episode is brought to you by Real Geeks and Courted.io.

The Treasury's Community Development Financial Institutions Fund supports lenders in far-flung and underserved areas. It also made a laundry list of federal programs President Trump deemed unnecessary and ordered to be “eliminated” last month. In this episode, how local banks are preparing for the possibility of losing that critical funding. Plus, leaders in the past who championed tariffs, retailers fret over consumer stress and apartment construction tapers off. 

The Treasury's Community Development Financial Institutions Fund supports lenders in far-flung and underserved areas. It also made a laundry list of federal programs President Trump deemed unnecessary and ordered to be “eliminated” last month. In this episode, how local banks are preparing for the possibility of losing that critical funding. Plus, leaders in the past who championed tariffs, retailers fret over consumer stress and apartment construction tapers off. 

Del Walmsley hosts Shawn from Colliers to discuss how their team supports real estate investors with strategic financing solutions. Shan explains how Colliers underwrites deals for Lifestyles Unlimited members and emphasizes the importance of involving lenders early to effectively structure deals and build investor credibility. Their mission is to help investors secure smarter, more resilient financing. At the upcoming Expo, they'll present a session titled “How to Buy in 25,” which will cover practical strategies for evaluating and financing deals in today's market. The session is designed to equip attendees with actionable tools to succeed in real estate investing. Click to Listen Now

Did you know there's a way to tap into your home's equity for tax-free cash—without having to make monthly payments? It's true.It's called a Home Equity Conversion Mortgage, or HECM—what many of you know as a reverse mortgage. But today's reverse mortgage isn't what it used to be. Harlan Accola is here to help us unpack how they work and whether one might be right for you.Harlan Accola is the National Reverse Mortgage Director at Movement Mortgage, an underwriter of Faith and Finance. He is also the author of Home Equity and Reverse Mortgages: The Cinderella of the Baby Boomer Retirement. What's Changed? A Safer, Regulated OptionWhen you hear the phrase reverse mortgage, you might think of outdated financial tools with a bad reputation. However, home equity conversion mortgages (HECMs) significantly differ from those in the past.Reverse mortgages today are not the “Wild West” products of decades past. Since major reforms were enacted during President Reagan's term in 1988, HECMs are now heavily regulated under the Federal Housing Administration (FHA).No one can lose their house or have it taken away, provided they're working with a reputable lender and stay in the home while meeting basic obligations. Ownership doesn't change, and homeowners are protected.These changes addressed the risks that once made reverse mortgages controversial. Now, with strict oversight, they provide a reliable option for seniors wanting to tap into their home equity without selling.Are Reverse Mortgage Interest Rates Too High?It's a common misconception that reverse mortgage interest rates are significantly higher than traditional mortgages. But that comparison isn't apples to apples. Interest rates on HECMs are actually tied to the 10-year Treasury rate and are heavily regulated.Right now, interest rates for reverse mortgages are about the same as traditional mortgages—around 6.5%. This means homeowners aren't sacrificing much, if anything, in interest when compared to forward mortgages.What About Costs and Obligations?The closing costs for reverse mortgages are nearly identical to traditional mortgages, with one key difference: the addition of FHA mortgage insurance.This insurance offers three essential guarantees:You can remain in your home as long as you want (up to age 150!).Thanks to non-recourse debt protections, you will never owe more than the home's value.Your heirs won't be left with a bill.Yes, this insurance adds about 2% of the home's value to the upfront costs, but it's well worth it—just like homeowner's insurance is worth it if your house burns down.What Happens When the Borrower Passes Away?A major concern many have is what happens to the home after the homeowner dies or permanently moves out.The key is proper planning. Without a will or trust in place, any mortgage—reverse or traditional—can create problems for heirs. In most cases, the home is simply sold, and any remaining equity belongs to the heirs. For instance, if the reverse mortgage balance were $100,000 on a $400,000 home, the heirs would receive the remaining $300,000.Sometimes, grandchildren may want to keep the home, in which case they can buy out other heirs. Either way, the process can be managed with clear planning.Flexible Payout OptionsOne of the most attractive features of a HECM is its flexibility. Homeowners can choose to receive their funds in a variety of ways:A lump sumA line of creditMonthly income paymentsOr even a combination of these optionsThe big idea? Your home is not just a place to live—it's also a financial asset that can be used strategically, especially in retirement.Every financial situation is different. However, a reverse mortgage could be a wise part of a broader financial plan for older homeowners. When used correctly, it offers flexibility, security, and peace of mind without jeopardizing their home.Visit Movement.com/Faith to learn more about reverse mortgages or speak directly with Harlan Accola at Movement Mortgage.On Today's Program, Rob Answers Listener Questions:My husband has taken a new job, and we have been contributing to an HSA. He wants to contribute $1,000 a month to the HSA. We still own a home and are nearing retirement age. Should we work on paying off the home or continue to put dollars into the HSA?A week or two ago, I caught part of your program about freezing credit scores. I didn't catch the whole explanation. We've never really taken out loans except for our first house 45 years ago. Is there any downside to freezing my credit?I recently received a large amount of money from a dear loved one who passed away in January. I know I'm going to tithe and pay taxes on the amount. I have an appointment with my bank to set up a CD account, but I want to know what other types of investments I can make with the money. I just want to make sure I'm doing the right thing.Resources Mentioned:Faithful Steward: FaithFi's New Quarterly MagazineMovement MortgageBankrate.comChristian Community Credit Union (CCCU)Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

2 hour and 14 minutes The Sponsors Thank you to Underground Printing for making this all possible. Rishi and Ryan have been our biggest supporters from the beginning. Check out their wide selection of officially licensed Michigan fan gear at their 3 store locations in Ann Arbor or learn about their custom apparel business at undergroundshirts.com. Our associate sponsors are: Peak Wealth Management, Matt Demorest - Realtor and Lender, Ann Arbor Elder Law, Michigan Law Grad, Human Element, Sharon's Heating & Air Conditioning, The Sklars Brothers, the Autograph: Fandom Rewarded app, Champions Circle, Winewood Organics, Community Pest Solutions, and Venue by 4M where usually record this. 1. Spring Game Vibes and Offense Starts at 1:00 Michigan didn't televise the spring game so now you have to listen to this one! Shout out to men's gymnastics on winning a national championship. Blue team won 17-0, yay. Did Michigan have enough offensive players to reasonably fill out two offenses? Both QBs threw deep balls, most of them weren't particularly close. Bryce had a few Freshman moments as well and everything over 10-15 yards was very flat. There aren't very many receivers but Donaven McCulley wasn't even on the same team as Underwood and was benched after the first quarter (along with most starters). Marlin Klein and Hogan Hansen didn't play. The spring game is delayed on broadcast for a week because of the portal deadline. Haynes and Marshal are it at running back, Micah Ka'apana was slippery like Chris Evans but Michigan hasn't thrown to a running back since 2016. Bryson Kuzdzal looked pretty good! The receivers aren't adjusting to the ball much, Semaj also didn't do much. The 2nd string fullback (Jalen Hoffman) has gotten more targets in a spring game than Max Bredeson has in his whole career and is the highest stock rise of the spring game. Maybe they can stack two wide receivers on top of each other like Vincent Adultman. When Michigan had three tight ends on the field they ran the ball pretty well. According to Sherrone, the three offensive linemen who are locked in are El-Hadi, Crippen, and Sprague. Babalola is big but made freshman mistakes (which is fine).  2. Spring Game Defense Starts at 50:17 Michigan looks like they'll be very tough once again and has a lot of depth. Defensive end is loaded with Big Ten starters. Rayshaun Benny is established where we want him to be at this point in his development. There's going to be a drop-off from Graham and Grant but it'll be fine. It felt like the lines were two good units going against each other. We like the way Deyvid Palepale is shaped, he might be Brian Mone. We didn't learn much about the linebackers but Cole Sullivan was in the backfield a lot. The defensive backs played really well without Jyaire Hill. Shamari Earls is wearing #2 and is looking like #2. All of these defensive backs seem plausible, McBurrows hitting the portal makes more sense now. The secondary might not have any real stars but they won't have any holes, even without Rod Moore. Safeties don't have a real rock like we're used to.  3. Hot Takes and Michigan Hockey Roster Starts at 1:14:49 Takes hotter than the one guy across the aisle at the Spring Game who is already mad at Bryce Underwood. The hockey roster is in a state of flux, we're all awaiting what will happen with the CHL kids. Michigan gets four defensemen back and brings in some transfers and CHL players. Ben Robertson comes in from Cornell after averaging 21 minutes per game. The defense has nine players on roster currently which is probably too many. They could use a goalie! Right now they have 10 forwards on a team that usually carries 14. They have a roster spot for McKenna (the Bryce Underwood of hockey), can they get him? The Big Ten might be top-to-bottom the best quality hockey in the country that isn't the NHL.  4. Potpourri Starts at 1:52:20 Danny Wolf is officially out and headed for the NBA, Aday Mara commits. They're waiting on Lendeborg but they'll still be a good team without him. One more summer of polishing Will Tschetter could make him a really good 4. In football, Luke Bauer comes in as a punter from Missouri - he's an average punter. They get CJ Hester at running back from UMass to replace Ben Hall. He's a little bowling ball. The concession lines at the Spring Game were long! Michigan Stadium isn't catering to the average fan who wants to bring their kids. There are now kids who have attended the Spring Game and didn't have a good time and now they probably won't want to go next year.  MUSIC: "Let's Get Down"—Toni Toni Tone "Bendicion Mami"—Fat Joe "Check The Technique"—Gang Starr “Across 110th Street”—JJ Johnson and his Orchestra    

#69: In this episode of The Lenders Playbook we sit down with Ranette Oliver a seasoned expert who brings over 20 years of experience in business development, sales, and leadership—and now plays a key role at B.E. Lending, a trusted name in private lending for real estate investors.We dive into her journey into the industry, the story behind B.E. Lending, and how the company has evolved over the past decade. You'll hear valuable insights on where wholesaling and lending meet, how to identify a “no-brainer” deal, cross collateralization and what sets B.E. Lending apart from the competition and Whether you're a new investor or a seasoned pro, this conversation is packed with practical advice, industry wisdom, and tips on building lasting relationships in the lending world.Tune in and get ready to take notes!

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

2 hour and 14 minutes The Sponsors Thank you to Underground Printing for making this all possible. Rishi and Ryan have been our biggest supporters from the beginning. Check out their wide selection of officially licensed Michigan fan gear at their 3 store locations in Ann Arbor or learn about their custom apparel business at undergroundshirts.com. Our associate sponsors are: Peak Wealth Management, Matt Demorest - Realtor and Lender, Ann Arbor Elder Law, Michigan Law Grad, Human Element, Sharon's Heating & Air Conditioning, The Sklars Brothers, the Autograph: Fandom Rewarded app, Champions Circle, Winewood Organics, Community Pest Solutions, and Venue by 4M where usually record this. 1. Men's Basketball Transfer Portal Starts at 1:00 Yaxel Lendeborg sounds Belgian but isn't, this starts out as a World War I podcast. Cadeau is a former five star who started for UNC, he has a Xavier Simpson assist rate but is not the most productive shooter. He also has an elevated turnover rate. Why this move feels like a wash coming from Tre Donaldson. Morez Johnson Jr. fits in well with Cadaeu, also he can thunder dunk the ball into the center of the universe. Illinois' offense would take a slight hit when Johnson is on the floor, but they get a +10 rebound rate with him. His best basket is a dunk. Unfortunately, the day Yaxel Lendeborg committed to Michigan he gave an interview where he said he wants an NBA contract and Michigan is the backup plan. Theoretically he's Danny Wolf but mean. Michigan needs a backup center but is otherwise in good shape. All signs point towards Nimari Burnett coming back. Brian is mad that Duke went 20 minutes without a turnover. We discuss Michigan's projected seed with the Yaxel situation and without the Yaxel situation.  2. Hot Takes and The State of College Athletics Starts at 42:40 Takes hotter than the best night club in Yaxel Lendeborg, Belgium. The state of things seem a bit perilous. Tre Donaldson hit the transfer portal with a broken heart emoji, what happened? It sucks that you don't really get to know players for multiple years up until their graduation. Part of the joy of college sports is watching players step up that you didn't expect to step up. The Big Ten needs an angry coach now that Fran is gone and Mick Cronin will step up. They should give schools incentives for keeping/graduating their players. The 1-4 seeds are all getting better and fans might get frustrated that more upsets don't happen. People want the chaos. Even Michael Jordan played three years in college, imagine if all the best players did that. This doesn't effect football quite as much. Fans and coaches all want roster continuity. Dusty May seems relatively well-positioned to maintain a lot of players. 3. Spring Football Bits Starts at 1:19:47 Spring Football is still happening. Updates on the offensive line, Evan Link has turned a corner after the Ohio State game. Crippen will be just fine at center. Andrew Babaloa won't be ready because he's a freshman and that's okay. Donaven McCulley is the real deal at wide receiver and everyone else is competing for the remaining spots. The running backs are good. The defensive line is not replacing Mason Graham and Kenneth Grant but it has depth. Are the redshirt freshman defensive ends turning the corner? It's being said that they are. Safety updates, with and without Rod Moore. They'll probably look for a punter in the portal.  4. Michigan Hockey Updates Starts at 1:55:27 Who hit the portal and what impact does that have? Michigan needs to get high-end defensive players. Does Gavin McKenna come to Michigan? He could be the number one overall pick. Why is Cameron Korpi in the portal? Is Michigan trying to get a CHL goalie? Or other CHL players? The CHL isn't happy about NIL.  MUSIC: "Consideration"—Rihanna ft. SZA "I'm Allowed"—Buffalo Tom "When I Get There"—Grady Strange “Across 110th Street”—JJ Johnson and his Orchestra    

Tremont Realty Capital says the middle market represents one of the largest segments of the commercial real estate sector, yet it can often be overlooked. It is this segment of the market that The RMR Group's Tremont Realty Capital, however, sees significant opportunities.  Tom Lorenzini, SVP of Tremont Realty Capital, says the firm would rather have a deep portfolio of smaller loans than a smaller portfolio of larger loans for better diversification and risk management.  In this episode of GlobeSt.com's podcast, Lorenzini spoke about the current lending market and the firm's lending strategy. He discusses: Tremont Realty Capital's unique structure and how it leverages The RMR Group's scale. Why the middle market, which Tremont defines as assets having values in the $25 million to $100 million range, may be the sweet spot for lending activity. Why no commercial asset class—even office—is off the table this year.  

1 hour and 46 minutes The Sponsors Thank you to Underground Printing for making this all possible. Rishi and Ryan have been our biggest supporters from the beginning. Check out their wide selection of officially licensed Michigan fan gear at their 3 store locations in Ann Arbor or learn about their custom apparel business at undergroundshirts.com. Our associate sponsors are: Peak Wealth Management, Matt Demorest - Realtor and Lender, Ann Arbor Elder Law, Michigan Law Grad, Human Element, Sharon's Heating & Air Conditioning, The Sklars Brothers, the Autograph: Fandom Rewarded app, Champions Circle, Winewood Organics, Community Pest Solutions, and Venue by 4M where usually record this. 1. Men's Basketball vs Auburn - Sweet Sixteen Starts at 1:00 It's times like this that make you think of Percy Bysshe Shelley's poem Ozymandias which has a passage about "when you're leading by 9 points with 12 minutes left don't give up a 20-2 run". Michigan made Auburn as dumb as Michigan for a half and then Auburn remembered they were the #1 overall seed. Michigan gives up 1.04 ppp overall. Turnovers were tied but Michigan was obliterated on rebounds. The season-long issues with the front court came to light in this game. This ended up being what you would expect in a game of Michigan vs Super Michigan. We'll miss Vlad Goldin, Craig has some nits to pick.  2. Looking Back on the Season Starts at 21:51 Dusty May comes into a roster with Will Tschetter and Nimari Burnett, most of his FAU squad doesn't follow him (besides Vlad Goldin). But he assembles this motley crew of a team. The question coming in was "can he assemble a good roster or did he just have one good recruiting class?" Turns out he can assemble a good roster. Brian hoped this could be a 6-seed coming into the season and people thought this was crazy. They probably should've been higher than a 5-seed. This season earns an A for exceeding all expectations, not an A+ but an A. Dusty May was the better choice over Niko Medved.  3. Hot Takes and Looking Forward to Next Season Starts at 42:43 Takes hotter than whatever Craig is about to say. Michigan loses Rubin Jones, Jace Howard, Vlad Goldin, Justin Pippen, and probably Danny Wolf, You now have a roster cap of 15, they can be scholarship or not. They'll be looking for centers in the portal. Get ready for an L.J. Cason glow up. Looking ahead to Trey McKenney as a freshman. If Sam Walters was going to hit the portal, wouldn't he have done it by now? There appear to be a lot of high quality centers in the portal. Transfer portal targets, Brian wants Magoon Gwath. What's the ceiling for next year? They'll finally have some continuity on the roster. Just find a guy who's 7 feet tall and put him on the roster.  4. Michigan Football Spring Practice and Hockey Starts at 1:26:08 The only QBs available are Bryce Underwood and Jadyn Davis, Mikey Keene is injured. Otherwise we're not hearing much of anything. Shamari Earls is supposedly turning out and is Charles Woodson sized. There will not be Jeremy Clark slander. Michigan hockey had a disappointing end to the season, how will they bounce back? How much will Michigan pay for hockey after football and basketball? What does the rest of the Big Ten look like? MUSIC: "Cradle The Pain"—Morgan Nagler "Back to Earth"—Manplanet "I Wish"—Skee-Lo “Across 110th Street”—JJ Johnson and his Orchestra    

Welcome to our first episode of Learn With A Lender with Christian Bachelder! In this episode Christian explained the "one house per year" strategy as an alternative to traditional 401(k) retirement investing, where you buy a primary residence each year and convert previous properties to rentals. Christian also discussed the current real estate market challenges with low inventory and high interest rates among them, and lending and mortgage insights. Next, Christian talked about his journey into the real estate business and his transition from chemical engineering into real estate. Last, Christian presented his perspective on the consolidation of real estate ownership and the importance of entering the real estate market in the next 5-10 years. If you'd prefer to watch this interview, click here to view on YouTube!  Christian Bachelder can be reached at Christian@theonebrokerage.com. This episode is brought to you by Real Geeks and Courted.io.

1 hour and 34 minutes The Sponsors Thank you to Underground Printing for making this all possible. Rishi and Ryan have been our biggest supporters from the beginning. Check out their wide selection of officially licensed Michigan fan gear at their 3 store locations in Ann Arbor or learn about their custom apparel business at undergroundshirts.com. Our associate sponsors are: Peak Wealth Management, Matt Demorest - Realtor and Lender, Ann Arbor Elder Law, Michigan Law Grad, Human Element, Sharon's Heating & Air Conditioning, The Sklars Brothers, the Autograph: Fandom Rewarded app, Champions Circle, Winewood Organics, Community Pest Solutions, and Venue by 4M where usually record this. 1. Sweet Sixteen Vibes Starts at 1:00 Oh hey! We didn't expect to be here! Roddy Gayle just made more threes in one game than during Michigan's entire Big Ten schedule. He has risen from the dead and Michigan out-rebounded the best rebounding team in the country so here we are! Michigan got hosed by the selection committee but made it to the 2nd weekend anyways. Brian 'Roddy Gayles' the sponsor read. Going into next year, Dusty May needs a center and a backup center but should otherwise be set. 2. Men's Basketball vs Texas A&M Starts at 15:26 Nobody expected this game to go the way it did. Michigan started 1-7 on threes and then started hitting a lot of great shots against a top 10 defense. Michigan got a lot of un-contested rebounds which was weird considering that's Texas A&M's thing. Goldin was probably getting more tired than usual, he got pulled early. L.J. Cason was a game-changer in this one, he could be special next year. Why did Nimari only have 13 minutes? All of Goldin's energy went towards rebounding, his performance would've been very memorable if it wasn't eclipsed by Gayle. Just don't pass to Patrick.  3. Hot Takes and Men's Basketball vs UC San Diego Starts at 37:20 Takes hotter than RODDY GAYLE. UC San Diego is such a weird team. Brian still can't pronounce their star's first name who fouled out in 25 minutes. Michigan should've had the bigs dunk at the rim but UCSD defended them well. Roddy Gaye and L.J. Cason played important roles, not quite as big as in the TAMU game. Michigan's shot parity is only -2 which is good enough. If Wolf played better then maybe Michigan walks away from this one. They hit the Kenpom spread exactly. How well will we remember this game years from now?  4. Previewing Men's Basketball vs Auburn Starts at 1:01:34 Michigan has drawn the #1 overall seed in the tournament. Auburn's greatest strength is shot making and are the 2nd best offense in the country (1st is Florida). They have some super seniors from the Covid year. Auburn has a similar Bigs setup to Michigan so they can handle Goldin+Wolf. One of their biggest weaknesses is that they foul a lot. Personnel wise, these teams are very similar and both coaches will likely match each other. Jahki Howard might be the worst teammate in the country. Auburn will want revenge against Danny Wolf after last year's Yale game. Everyone was watching the Michigan game on Thursday since most of the first round games were uneventful. This Auburn offense is 8 efficiency points better than the 2013 Michigan offense.  MUSIC: "Where Do We Go From Here"—Charles Bradley "Monstera Escalito"—Ciao Ciao Marigold "What do You Like"—Tommy Richman “Across 110th Street”—JJ Johnson and his Orchestra    

In this episode of The Smart Property Investment Show, Phil Tarrant sits down with mortgage expert Eva Loisance from Finni Mortgages to explore the advantages of refinancing and how it can help investors grow their property portfolio. The co-hosts talk about the growing trend of refinancing as many investors seek to secure lower interest rates, particularly with the recent RBA rate cuts, while discussing 10 other reasons to refinance beyond just securing a better rate. One reason to refinance is to secure a higher property valuation, which lowers the loan-to-value ratio (LVR) and unlocks better equity, with Eva pointing out that different banks have varying valuation methods, which can significantly impact a property's value. Refinancing also allows consolidating high-interest debts, like credit cards and car loans, into a single loan with lower repayments. Additionally, it enables extracting equity to fund new investments, accelerating property growth without needing a large deposit. Other reasons to refinance include consolidating bad debts, better policy terms, boosting capacity, and resetting the interest-only period. The co-hosts said investors who refinance their loans can access better mortgage products, improve loan features like offsets, and even switch to more favourable lenders by refinancing. If you like this episode, show your support by rating us or leaving a review on Apple Podcasts and by following Smart Property Investment on social media: Facebook, X (formerly Twitter) and LinkedIn. If you would like to get in touch with our team, email editor@smartpropertyinvestment.com.au for more insights, or hear your voice on the show by recording a question below.

Click here to send Tim & Ade your Mediocre 5 Star Review and get a shoutoutThis week Ade and Tim discuss the pros and cons in borrowing, lending or sharing camping equipment.Borrowing equipment can be a great way to get into camping without the expense of buying everything before you even know if like the experience or not. However, does their inexperience make you anxious about lending your toys to them? Would you share your space with someone else?Is it more complicated than you first think?DISCLAIMER: Casual Camping Podcast accepts no liability and does not officially recommend any products or endorse any techniques discussed in an individual podcast episode or shown on Casual Camping Podcast social media accounts. Individuals should make their own informed decision and risk assessment of any products or advice prior to any purchase or useSupport the showCheck Out Our Etsy Store: Etsy: https://www.etsy.com/uk/shop/CasualCampingPodcast Check Out Our Socials:Facebook: https://www.facebook.com/groups/1333082837320305/?_rdrInstagram: https://www.instagram.com/casualcampingpodcast/YouTube: https://www.youtube.com/playlist?list=PLO9F70wD5P16dbKV20rTtwegIcBDtKY8QThreads: https://www.threads.net/@casualcampingpodcast?invite=0

Modupe Idowu is a REMLO—a licensed Realtor in Texas & Missouri and a Lender in all 50 states, dedicated to helping individuals and families navigate the homebuying process with confidence. She has been a member of the GIA team since 2020. With a background in investigative journalism, Modupe is a two-time Emmy nominee and Emmy Award winner, formerly working in TV news as a reporter and anchor. Bridging her passion for storytelling and financial empowerment, she created Mo's Homebuyer Bootcamp Challenge, a hands-on program designed to help first-time buyers overcome fear and uncertainty in the homeownership journey. The boot camp provides expert guidance on the buying process, hurdles to homeownership, and strategies to overcome financial barriers, including high debt-to-income ratios and mortgage credit readiness. To further support homebuyers, she developed a Financial Tracker, a tool designed to help individuals assess their financial standing, improve their debt-to-income ratio (DTI), and track savings goals for a successful home purchase. With years of experience in real estate investment, negotiations, and creative marketing strategies, Modupe has helped countless buyers and sellers achieve their property goals. Whether through her role as a Realtor, Lender, or Educator, she remains committed to empowering individuals to make informed, strategic decisions on their journey to homeownership. What You Will Learn: Who is Modupe Idowu? What background does Modupe (Mo) have before entering the real estate industry? How did Mo transition from journalism to real estate? What insights does Mo share about her experiences in the media field and the restrictions that come with it? What unique challenges does Mo highlight about starting her career in real estate? How does Mo describe the importance of building a network in the real estate business? What is the purpose of the boot camp that Mo created, and who is it aimed at? How did the COVID-19 pandemic influence the development of Mo's home buyer boot camp? What educational strategies does Mo employ in her boot camp to help first-time homebuyers? How does Mo integrate different learning styles into her boot camp curriculum? How does Mo's experience in various states contribute to her ability to educate clients across the U.S.? How can new agents leverage courses or digital products to build credibility and confidence? What niche does Mo suggest new agents focus on to establish themselves in the market? Why is it important for agents to think about both immediate deals and future opportunities? How does Mo address the different learning styles of students in her training program? What additional digital products will be offered alongside the boot camp? How does Mo's financial tracker assist buyers in preparing for homeownership? Modupe shares how everyone can contact her. Additional Resources from Modupe Idowu: Website: https://homebuyerbootcampchallenge.com/ Email: mo@opendoorsrealtyhomes.com Instagram: https://www.instagram.com/iammodupeidowu/ Attention Investors and Agents Are you looking to grow your business? Need to connect with aggressive like-minded people like yourself? We have all the right tools, knowledge, and coaching to positively effect your bottom line. Visit:http://globalinvestoragent.com/join-gia-team to see what we can offer and to schedule your FREE consultation! Our NEW book is out...order yours NOW! Global Investor Agent: How Do You Thrive Not Just Survive in a Market Shift? Get your copy here: https://amzn.to/3SV0khX HEY! You should be in class this coming Monday (MNL). It's Free and packed with actions you should take now! Here's the link to register: https://us02web.zoom.us/webinar/register/WN_sNMjT-5DTIakCFO2ronDCg

Episode #67. Today we sit down with Ryan Goodenoot from the Licensing Store. Let's be real—mortgage licensing is a nightmare. It's messy, frustrating, and downright exhausting. Between the endless paperwork, confusing state-by-state rules, and constant regulatory changes, it's enough to make any mortgage professional want to pull their hair out.But what if all that stress could just… go away?That's where Ryan Goodenoot from Licensing Store comes in. Ryan and his team are in the business of making your licensing headaches disappear. Whether you're struggling to figure out the difference between a Mortgage Broker, Lender, or Banker License, stuck in a never-ending approval process, or trying to expand into multiple states without losing your mind, 

Listen in as they discuss:Loan automations.Loan modification requests.Changing contracts for a fee. Upholding what was agreed upon. Mark also discussed the art of lending.  TIP OF THE WEEKLandon: Explore AppSumo to find cost-effective alternatives for essential business tools. This platform offers lifetime deals on various apps, helping entrepreneurs save on recurring software costs while enhancing their workflows. Check it out at appsumo.com. WANT TO LISTEN MORE?Did you like this episode? If so, listen to another AOPI episode to hear more about land investing tips that can help grow your land business."Are you ready to learn more about land investing? Just click HERE to schedule a call.""Isn't it time to create passive income so you can work where you want when you want, and with whomever you want?"

1 hour and 28 minutes The Sponsors Thank you to Underground Printing for making this all possible. Rishi and Ryan have been our biggest supporters from the beginning. Check out their wide selection of officially licensed Michigan fan gear at their 3 store locations in Ann Arbor or learn about their custom apparel business at undergroundshirts.com. Our associate sponsors are: Peak Wealth Management, Matt Demorest - Realtor and Lender, Ann Arbor Elder Law, Michigan Law Grad, Human Element, Sharon's Heating & Air Conditioning, The Sklars Brothers, the Autograph: Fandom Rewarded app, Champions Circle, Winewood Organics, Community Pest Solutions, and Venue by 4M where usually record this. 1. The NCAA Tournament and UC San Diego Starts at 1:00 Michigan is your Big Ten Tournament champions! There was a lot of doom and gloom at the end of the regular season so not many people saw this happening. Michigan might be the most boned team in the tournament draw. Wisconsin is an 18 point favorite against Montana, Michigan is a 3 point favorite over UC San Diego. UCSD is clearly a top 50 team but they can't match up with Michigan's Bigs. Get familiar with the name Aniwaniwa Tait-Jones (in pronunciation and basketball production). The Tritons give up a ton of threes. Yale is a popular upset pick over Texas A&M, TAMU's thing is missing shots but rebounding them. Who would you rather play, TAMU or Yale? That's a tougher question than it would seem. Clearly the results of the Big Ten Tournament don't matter because Michigan is seeded like it didn't happen.  [The rest of the writeup and the player after THE JUMP]  2. Men's Basketball vs Wisconsin Starts at 32:43 The shooting percentages in this game were... ugly. Wisconsin had good looks but just couldn't hit them. Goldin seemed absolutely gassed this game. L.J. Cason really helped bail out Michigan. Michigan only had eight turnovers! But missed on the boards.  3. Hot Takes and Men's Basketball vs Maryland Starts at 49:43 Takes hotter than your Big Ten Champion Michigan Wolverine Football Basketball team. This is one of the worst officiating games we can remember. Roddy Gayle had a great game... and MADE A THREE. He only had nine points but that level of production is what Michigan needs. The final play was a football play in its design.  4. Men's Basketball vs Purdue Starts at 1:14:01 A nice bounce back game that happens from taking care of the ball. Why does everyone want to kick Goldin in the nuts? Purdue gets more goonish when they're tired and they were coming off a tough game against USC. Michigan wasn't turning the ball over and was assisting well for each other, this was the Dusty May team we love to see. Michigan gets the night game on Thursday and will be played at 5,280 feet. Please fly over right now and get acclimated, you're invited to sleep on my couch (IT'S A NICE COUCH, SETH). It may be a 50/50 chance we preview Auburn next week.  MUSIC: "Take This Job And Shove It"—Johnny Paycheck "F*ck You"—CeeLo Green "MUTT"—Leon Thomas “Across 110th Street”—JJ Johnson and his Orchestra    

I refinanced my loan twice last year without paying a dime out of pocket. If you've been wondering how to lower your interest rate without upfront costs or adding to your loan balance, this is the video you need. Josh and I break down the power of lender credits, explaining how you can leverage them to avoid hefty closing costs and keep more cash in your pocket. Don't miss out on these valuable insights that could save you thousands! ===========================================✅ Ready to find the right loan? Start your stress-free journey today: http://www.theeducatedhomebuyer.com/start⏩ - Let us contact you as rates drop- http://www.theeducatedhomebuyer.com/ratewatch

What if you had access to an entirely new stream of income as a private lender? In this episode of The Lender's Playbook, host Matt Rosen sits down with Nate Cater of Phocis Capital to reveal a game-changing opportunity for lenders looking to maximize their revenue beyond traditional banking.We'll cover:✅ How Phocis Capital helps lenders generate new income streams✅ The biggest capital reserve challenges lenders face—and how to solve them✅ Why Phocis offers better security and flexibility than a traditional escrow accountIf you're a lender looking to diversify your revenue and stay ahead of the competition, this episode is a must-listen!

Professor Adré Schreuder shares insights from UP's 2024 consumer survey on local bank satisfaction.

Tired of spending your money on rent or stashing it in a traditional savings account? You could make your money work harder for you and get on the path to financial freedom with real estate investing. Today, we're going to show you exactly how to buy your first rental property in 2025, step by step! Despite rising home prices and high interest rates, now is an ideal time for new investors to buy real estate, as they face less competition and have even more leverage. So, in this episode, Ashley and Tony are going to show you seven steps that will get you off the sidelines and into the game! First, we'll help you lay a foundation for investing. You'll not only need to get your financial house in order but also set clear investing goals, determine your purchasing power, and choose your investing strategy. You'll also learn how to do things like find a lender, choose your market, and assemble your investing team. Then, we'll start looking at deals! We'll share how to build your buy box, analyze properties, and negotiate with sellers. Most importantly, we'll teach you the right way to build your business so that you succeed today AND as you scale your real estate portfolio! In This Episode We Cover: How to buy your first rental property in 2025 (step by step) Why NOW is the perfect time for new investors to get into real estate The three things you must do before buying an investment property How to create your “buy box” and start analyzing rental properties The value of building relationships with small, local banks and credit unions Must-have systems and processes for your real estate business And So Much More! Links from the Show Ashley's BiggerPockets Profile Tony's BiggerPockets Profile Join BiggerPockets for FREE Real Estate Rookie Facebook Group Real Estate Rookie YouTube Follow Real Estate Rookie on Instagram Ask Your Question for a Future Rookie Reply “Like” Real Estate Rookie on Facebook The Rookie's Cheat Sheet for Market Research (Find Where to Invest in 2024) Real Estate Investing Resources Property Buy Box Worksheet How to Financially Prepare to Buy Your First Rental Property (7 Steps)  Follow Real Estate Rookie on Instagram Pick Up Ashley's Book “Real Estate Rookie” Sign Up for the Real Estate Rookie Newsletter Find an Investor-Friendly Agent in Your Area Find Investor-Friendly Lenders Real Estate Rookie 523 - The “Secret Sauce” for Buying Rental Properties BELOW Market Value (00:00) Intro (00:36) Why Real Estate? (04:49) Step 1. Lay the Foundation (09:25) Step 2. Talk to a Lender (11:27) Step 3. Choose Your Market (14:59) Step 4. Build Out Your Team (18:49) Step 5. Create Your Buy Box (25:03) Step 6. Make an Offer (31:53) Step 7. Prepare for Closing (33:56) Find Your NEXT Deal! Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/rookie-534 Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com.  Learn more about your ad choices. Visit megaphone.fm/adchoices

Send us a textI am joined for this episode by Eric Gonzales, Senior Vice President and Healthcare Market Director for Umpqua Bank. We talk about how a banker can (and should) be one of the trusted advisors that physicians call upon when planning for new things, whether it is a new partner, a new service line or a real estate purchase.We talk about different types of financing available and Eric details the process for applying for financing and how best to prepare. He outlines how supportive and synergistic your relationship with your banker should be, and what to look for as you seek a banking partner for your practice.Eric can be reached via email at: ericgonzales@umpquabank.com and via LinkedIn at: https://www.linkedin.com/in/ericgonzales/Please Follow or Subscribe to get new episodes delivered to you as soon as they drop! Visit Jill's company, Health e Practices' website: https://healtheps.com/ Subscribe to our newsletter, Health e Connections: http://21978609.hs-sites.com/newletter-subscriber Want more content? Find sample job descriptions, financial tools, templates and much more: www.MedicalMoneyMattersPodcast.com Purchase your copy of Jill's book here: Physician Heal Thy Financial Self Join our Medical Money Matters Facebook Group here: https://www.facebook.com/groups/3834886643404507/ Original Musical Score by: Craig Addy at https://www.underthepiano.ca/ Visit Craig's website to book your Once in a Lifetime music experience Podcast coaching and development by: Jennifer Furlong, CEO, Communication Twenty-Four Seven https://www.communicationtwentyfourseven.com/

Sklars performing at Mark Ridley's in Royal Oak this Thursday at 7:30PM (doors open at 6:30) tickets: Supersklars.com We will be there having drinks with copies of VICTORS to sign after the show. If you can't make a weeknight they're performing 2 shows on Friday and Saturday night. 1 hour and 10 minutes The Sponsors Thank you to Underground Printing for making this all possible. Rishi and Ryan have been our biggest supporters from the beginning. Check out their wide selection of officially licensed Michigan fan gear at their 3 store locations in Ann Arbor or learn about their custom apparel business at undergroundshirts.com. Our associate sponsors are: Peak Wealth Management, Matt Demorest - Realtor and Lender, Ann Arbor Elder Law, Michigan Law Grad, Human Element, Sharon's Heating & Air Conditioning, The Sklars Brothers, the Autograph: Fandom Rewarded app, Champions Circle, Winewood Organics, Community Pest Solutions, and Venue by 4M where usually record this. 1. Men's Basketball at Michigan State Starts at 1:00 We still have to do a podcast. Dave went to go enjoy the weather instead. This game was over in the first half. 3/24 on threes is not good! Last year's team would've given up at halftime, this team at least fought back a little. What has this team improved upon since their trip to California? Michigan doesn't have a guard that can generate offense. We thought a lot of these transfers would've turned a corner by now. This team still exceeded expectations for the season, the way they got there was just not how we expected. There's the potential for Michigan to not win another game this season.   2. Men's Basketball vs Maryland Starts at 21:11 This game was similar to the Michigan State game in that Danny Wolf and Vlad Goldin were the only ones scoring. Maryland got to play a Maryland game and Michigan didn't have a plan.  3. Lukewarm Takes and Hockey vs Penn State Starts at 32:11 Just some lukewarm takes this week. Go see the Sklars in Ann Arbor this Thursday-Saturday! Hockey is now just 42% to make the tournament after getting swept by Penn State. Root for Western Michigan, Denver, and Quinnipiac. Friday's game was pretty fun at least! Despite giving up bad goals. It didn't feel like a super talented roster. Imagine if Michigan got goalie Trey Augustine instead of Michigan State. Goal-tending was unclear going into the season and seems like it will continue to be unclear.  4. Football Spring Practice Starts at 57:47 Spring practice starts soon! Is Bryce Underwood already the guy? Running backs have a top two, it's a battle for #3. Will the offensive line look similar to last year? There are some lower level transfers coming in but offensive linemen can flourish in the right system. Please hype up a wide receiver. Hopefully the two transfer defensive tackles come through. They'll be fine but it's still a huge downgrade. Cornerback will be an interesting position, we want to hear that Jyaire Hill is rounding the corner. How is Rod Moore's health? Who's the punter?? MUSIC: "Lie In The Gutter"—Peel Dream Magazine "Dollar Store"—Ben Kellar ft. Waxahatchee "Mr. Chill"—Friendship “Across 110th Street”—JJ Johnson and his Orchestra    

If you're constantly getting rejected by lenders or struggling to secure capital, you might be thinking about money all wrong. Rich Lennon reveals the biggest mindset shift you need to attract financing, why some investors always get funded, and what lenders really look for in a deal. Don't miss out on this insightful conversation!   KEY TAKEAWAYS The mindset shift every investor needs to secure funding with confidence How to build relationships with private lenders and community banks Reasons why new investors can be attractive clients for lenders if they do this  When it's smarter to pay higher interest rates for experienced lenders and how it can actually save you money The best environments to meet lenders and raise capital locally   TWEETABLES “The things that concern the investor are security. That was number one–how is the loan secured.” - Rich Lennon “If the person would shy away from the conversation, that's not going to be someone who's going to be your business partner.” - Rich Lennon ABOUT RICH LENNON  Rich Lennon is a seasoned investor and private lender who helps people take control of their money and accelerate their path to financial freedom. After nearly losing everything in 2016, Rich realized that the traditional wealth-building playbook was broken. Through trial, error, and a relentless drive to work smarter (not harder), he discovered proven strategies that allowed him to rebuild his wealth—and his life. Today, Rich teaches both new and experienced investors how to confidently structure deals, secure funding, and build wealth without unnecessary stress. His practical, no-nonsense approach simplifies complex financial strategies into easy-to-understand steps anyone can follow. Whether you're looking to raise capital, invest smarter, or master the game of money, Rich's insights will help you get there faster. CONNECT WITH RICH  Website: Rich Lennon Podcast: Growing the Money with Rich Lennon | Apple Podcast Facebook: Rich Lennon  LinkedIn: Rich Lennon

Stephan discusses the evolution of Bitcoin and the challenges of self-custody with Philip Hoenisch, co-founder of Lendasat. They explore the transition from traditional finance to on-chain solutions, the importance of self-custody, and the ideological divides within the Bitcoin community. Philipp shares his insight on the intricacies of Bitcoin lending, focusing on liquidation processes, collateralization ratios, and the role of technology in managing these aspects. He explains the cost structures associated with lending, including origination fees and transaction costs, and explores the potential for loan rollovers and credit lines. The discussion also touches on the future of stablecoins amidst regulatory risks and the growth of the lending market, particularly from the perspective of lenders. Finally, the conversation highlights the impact of technological innovations like CheckTemplateVerify (CTV) on the Bitcoin ecosystem.Takeaways

3 Most Common New Lender Mistakes - #252 ✅ Please like, subscribe, and share! ✅ Are you a new or experienced private lender or hard money lender? Join Jason Balin and Chris Haddon from Hard Money Bankers as they draw from their extensive experience running a successful hard money lending company since 2007. Tune in weekly with episodes related to all aspects of private lending. From discovering lucrative loan opportunities to securing private capital, effectively managing your loan portfolio, handling defaults, and much more, we've got you covered. ✔️ Tune in now and watch the full video podcast at www.privatelenderspodcast.com ✔️If you enjoyed this podcast we would appreciate a positive review... https://podcasts.apple.com/us/podcast/private-lenders-podcast/id1476153070 ✔️Make sure to check out the #1 Online Community For New and Experienced Private and Hard Money Lenders.. Create your account at www.hardmoneymastermind.com   FOLLOW US ON SOCIAL Get updates or reach out to Get updates on our Social Media Profiles! ✅ Instagram: https://www.instagram.com/hardmoneymastermind/ ✅ Tiktok: https://www.tiktok.com/@hardmoneymastermind  

GoFundMes to support victims of the fires in LA who are part of the MGoBlog community: General Fund. Reader's mother-in-law Anne Cohen. Reader Chef Robert. Reader Josh Bishop-Moser. Reader Mike on behalf of Mika Yoshitake & daughter Sora. Readers Liberty and Mark. 1 hour and 21 minutes The Sponsors Thank you to Underground Printing for making this all possible. Rishi and Ryan have been our biggest supporters from the beginning. Check out their wide selection of officially licensed Michigan fan gear at their 3 store locations in Ann Arbor or learn about their custom apparel business at undergroundshirts.com. Our associate sponsors are: Peak Wealth Management, Matt Demorest - Realtor and Lender, Ann Arbor Elder Law, Michigan Law Grad, Human Element, Sharon's Heating & Air Conditioning, The Sklars Brothers, the Autograph: Fandom Rewarded app, Champions Circle, Winewood Organics, Community Pest Solutions, and Venue by 4M where usually record this. 1. Men's Basketball vs Illinois Starts at 1:00 Michigan was asking for a game like this after the last couple months, you can't give up 19 offensive rebounds in a game and expect to win. Illinois got 9 more shots than Michigan and their young guys went off. Vlad Goldin was the only one who was getting an advantage. Danny Wolf is officially in a funk, this likely doesn't affect his draft stock. Michigan might be a popular pick to get upset in the first round of the tournament. They're fading down the stretch and not getting better in a lot of departments, especially rebounding.  [The rest of the writeup and the player after THE JUMP]  2. Men's Basketball vs Michigan State Starts at 23:06 This was a "make your shots" game, Michigan State hit their shots. Also Michigan had an 11 shot deficit. Michigan now has a worse 3-point shooting percentage than Michigan State. Roddy Gayle has not hit a three-pointer since January, nobody is covering him anymore and that extra player is guarding the paint. Tre Donaldson might've had his worst game.  3. Hot Takes and Men's Basketball vs Rutgers & Nebraska Starts at 34:06 Takes hotter than yours truly after the 19th Illinois offensive rebound. These two games were polar opposites in what basketball is. Michigan had poor shooting and looked tired after the Michigan State game. The three-point shooting has come down tremendously. Seth thinks the worse three point shooting is mostly random except for Roddy Gayle, opposing defenses can always plan for Roddy not being able to shoot. For one half, Rutgers was the greatest basketball team in the world, then it came crashing back to Earth. Is it time for L.J. Cason to play more? Sometimes he looks great and sometimes he doesn't box out at all. Vlad Goldin is just not a passer in the paint. Who would you take for free throws to win the game, Roddy Gayle or Nimari Burnett? 4. Hockey vs Ohio State Starts at 1:10:08 Michigan steals four points from Ohio State and has their tournament percentage up to 85%. Michigan hosts Penn State in the first round of the Big Ten Tournament but Penn State is playing very hot at the end of this season. The "It gets worse" call is now legendary. Win this upcoming series and you're in, get swept and... you might still be in.  MUSIC: "You Don't Know The Shape I'm In"—MJ Lenderman "Loser"—Jerry Garcia "Whip Appeal"—Babyface “Across 110th Street”—JJ Johnson and his Orchestra    

On this episode of The Horizon, host John Chang interviews Joe Fairless, co-founder of Ashcroft Capital, about navigating today's complex commercial real estate landscape. Fairless, who manages over $2.8 billion in assets across 14,000 apartment units, shares insights on finding opportunities amid market distress by cultivating relationships with lenders seeking capable operators for distressed properties. They discuss the record-breaking apartment absorption in late 2023, the decreasing construction pipeline, and how these fundamentals create buying opportunities despite challenging capital raising conditions. Fairless also candidly addresses lessons learned from previous deals and emphasizes the importance of "extreme ownership" when communicating with investors during difficult market periods. Sponsors: Crystal View Capital Capital Gains Tax Solutions Learn more about your ad choices. Visit megaphone.fm/adchoices

Polly lists the ten ways that you can leave your lender!  Listen for the many ways that life can affect your finances in this episode!

D.O. sits down with Desmond Smith, Chief Growth Officer of America's leading mortgage lender - UWM, for a raw and unfiltered conversation about what it really takes to succeed in today's mortgage industry.

Dafna is an international trainer and supervisor for practitioners who work with children and families. She is a certified trainer and supervisor/consultant in both Theraplay and Dyadic Developmental Psychotherapy (DDP). Dafna's expertise is drawn from 25 years of working with families with attachment in many settings: at-risk after school programs, therapeutic foster care, in-home crisis stabilization, residential care and private practice.Karen Doyle Buckwalter has worked in many roles in child-serving agencies including outpatient therapy settings, foster care, adoption, residential treatment, and program development in all of these areas. She has co-authored two books, written for magazines, and contributed to scholarly journals. She pioneered the Attachment Theory in Action podcast which has had over 1 million downloads.In This EpisodeDafna's websiteKaren's websiteKaren's upcoming workshops---If you'd like to support The Trauma Therapist Podcast and the work I do you can do that here with a monthly donation of $5, $7, or $10: Donate to The Trauma Therapist Podcast.Click here to join my email list and receive podcast updates and other news.Become a supporter of this podcast: https://www.spreaker.com/podcast/the-trauma-therapist--5739761/support.

GoFundMes to support victims of the fires in LA who are part of the MGoBlog community: General Fund. Reader's mother-in-law Anne Cohen. Reader Chef Robert. Reader Josh Bishop-Moser. Reader Mike on behalf of Mika Yoshitake & daughter Sora. Readers Liberty and Mark. 1 hour and 42 minutes The Sponsors Thank you to Underground Printing for making this all possible. Rishi and Ryan have been our biggest supporters from the beginning. Check out their wide selection of officially licensed Michigan fan gear at their 3 store locations in Ann Arbor or learn about their custom apparel business at undergroundshirts.com. Our associate sponsors are: Peak Wealth Management, Matt Demorest - Realtor and Lender, Ann Arbor Elder Law, Michigan Law Grad, Human Element, Sharon's Heating & Air Conditioning, The Sklars Brothers, the Autograph: Fandom Rewarded app, Champions Circle, Winewood Organics, Community Pest Solutions, and Venue by 4M where usually record this. 1. Men's Basketball at Ohio State Starts at 1:00 Bienvenue! Recorded remotely this week because Seth's 19 year old ski boots exploded. Michigan wins a defense-optional shootout, they rebounded half their misses which ended up being the difference (Ohio State just couldn't out-rebound Goldin and Wolf). There's a big difference between Goldin being the role guy and Tschetter being the role guy, so why did Goldin only get 24 minutes? Officiating in this game and how it relates to the Bo Ryan era. Don't elbow someone in the head but also don't put your head into someone's elbow. Roddy Gayle returns to Columbus and silences the boos out of timeouts. Stop missing dunks. Neither team got a double digit lead, the game was tense the whole time.  [The rest of the writeup and the player after THE JUMP]  2. Men's Basketball vs Purdue Starts at 24:50 Michigan avenges a terrible loss to become co-favorites to win the Big Ten. Braden Smith plays an insane 12 minutes to open the game for Purdue, making the first half extra frustrating. His mid-range shots weren't even bad shots, necessarily. Rubin Jones and Roddy Gayle combined for 20 points and played excellent, annoying defense. They came through in a way that was required to win this game. Michigan shoots below their season 3-point average but only had 11 turnovers. They also got to the line a lot (off of some calls that weren't great). Caleb Furst should've fouled out in the first six minutes! The physicality of the Big Ten is more than Dusty May realized. Purdue had zero bench points.  3. Hot Takes and Hockey vs Minnesota Starts at 49:12 Takes hotter than Michigan basketball in a three point game. Michigan gets slightly more than a split against Minnesota which decently increases their NCAA tournament chances. A split with Ohio State and a first round win in the Big Ten Tournament should do it. Minnesota was out-shooting Michigan 12-2 to start the game on Saturday, not great! Welcome back, Michael Hage. Tyler Duke played a nice game when everyone else was gassed. Bye week upcoming so we won't know much about tournament chances for a while.  4. Tournament Outlooks Starts at 1:16:40 Men's basketball is now projected to win the Big Ten but Wisconsin is looming with the easier schedule. Purdue and Michigan State both finish with a gauntlet. Of Michigan's last six games, four or five of them will be against tournament teams. Finishing 3-3 could maybe be enough to win a share of the Big Ten and get a banner. It's been a while since it's come down to Michigan and Michigan State down the stretch. Torvik has Michigan jumping between 3 and 4 seeds, which takes win margin into account. Hockey is projected to play Penn State in the first round of the Big Ten Tournament. They're now 80% to make the NCAA tournament but everyone ahead of them in the Pairwise rankings is pretty much a lock. The worst tournament in sports is suddenly in Michigan's favor! There's a regional in Toledo but Michigan probably doesn't go there. Shout out to Hockey Bear.  MUSIC: "Real Life"—The Marias "MUTT"—Leon Thomas "THE BADDEST"—Joey Valence and Brae “Across 110th Street”—JJ Johnson and his Orchestra

Real estate isn't just about showing homes—it's about getting hired first. In this episode, we break down a proven buyer consultation strategy that ensures buyers commit to working with you before stepping foot in a property. By treating the process like a listing appointment, leveraging video calls, and working closely with lenders, you can increase conversions and eliminate wasted showings. The key to success isn't chasing unpredictable results—it's following a system that works every time. If you're ready to simplify your buyer process, close more deals, and gain real leverage in your business, this episode is for you.What you'll learn in this episodeWhy most agents waste time showing homes to buyers who never purchase and how to fix itHow to get hired before ever showing a home by treating the process like a listing appointmentThe role of video calls and lender partnerships in creating a seamless buyer journeyHow to use buyer psychology to build trust and eliminate objections before they ariseWhy focusing on activity over outcome is the key to long-term success in real estateResources mentioned in this episodeCPI Community – A network designed to give real estate agents the support, training, and accountability they need to grow.80/20 Buyer Consultation Process – The framework for converting more leads into contracts.CPI WhatsApp Group – Get access to training, accountability, and expert insights. To find out more about Dan Rochon and the CPI Community, you can check these links:Website: No Broke MonthsPodcast: No Broke Months for Salespeople PodcastInstagram: @donrochonxFacebook: Dan RochonLinkedIn: Dan Rochon

How to negotiate better loan terms and manage lender relationships? We will also cover top lessons learned at the latest conference and evens, and what is the current state of the market?Read this interview here: https://tinyurl.com/yf53zdpuLessons LearnedSome of the Dollar Stores that closed are now selling in bankruptcy for a huge discount.There are so many ways you can partner up with people, you can do a JV (joint venture) with owners who have a lot of dark real estate (such as Dollar stores that are closing). Dark retail is a retail store that still has a lease but they have decided to close doors, they are still responsible for rent, but having a dark retail in your center isn't good for your other tenants, so you would want to have that property filled again. What can you convert that to?You can partner up with cities, ask the city what do they need, offer to buy the land at $1/sf, offer to pay starting on year 3-10 when the property is ready or fully stabilized, get funds from them or breaks in fees.If you need a capital partner, there are capital market intermediaries that can help you find family offices or a construction loan, I spoke with a couple of people that did that a while ago and as far as I recall, their fees are around 2-2.5%.When you raise a fund, the real estate fund management fee is 1.5-2% of the committed capital.Don't give special terms such as MFN unless an investor is committing a minimum of 25% of the deal. A “Most Favored Nation” clause gives a party the legal right to terms and benefits under the contract that are as good as or more favorable than the terms and benefits received by anyone else who enters into a similar contract with the other party.After webinar let them know you have the next week open for any questions they may have, this builds trust and helps them move forward.Loans and Lenders:You must pick up 5-6 new lenders a year.Meet all of your lenders yearly, give them a report with your PFS (personal financial statement), show all property owned, how they have performed, share your mistakes and lessons learned, share the vision for the company, be proactive, present the business plan, how have you operated the assets.After a loan is done, the lenders get a 2 week update, then it becomes quarterly. Send pictures, and show how are you doing vs pro forma.Negotiate on loan unforeseen costs, stick with your needs even if you may lose that lender.Negotiate that if you hit x percentage value increase, the lender gives the loan at x interest rate.Agency debt is non recourse, and credit unions are great.Don't give any personal guarantees, the bigger you go, the less common it is for them to ask for a personal guarantee, lots of co-GP family offices can help and will show their balance sheet. You will need to have some guarantor for carve outs only.We must negotiate debt to the ground, LTC is currently at 50%, don't do variable rate.We must read all pages of the loan docs and comment, edit, someone I know has made as many as 500 comments. You must have other banks lined up first they say no. Also, put a homestead exemption on all of your loan documents so they can't take your home in case things go south, and make sure that they're not removing any of your constitutional rights.What topics should I cover next? Let me know at admin@montecarlorei.com

In this episode of Retail Retold, host Chris Ressa speaks with bankruptcy counsel Scott Fleischer , partner at Barclay Damon, about the intricacies of retail bankruptcies, focusing on the Chuck E. Cheese case during the COVID-19 pandemic. They discuss the unique challenges faced by retailers, the role of landlords, and the impact of lender support in bankruptcy outcomes. The conversation also touches on the contrasting experiences of Chuck E. Cheese and Container Store in their respective bankruptcy proceedings, highlighting lessons learned and the evolving landscape of retail bankruptcy.TakeawaysThe Chuck E. Cheese bankruptcy case was notable for its timing during COVID-19.A unique provision in the bankruptcy code allowed for rent delays.Landlords were able to secure insurance requirements during bankruptcy.The judge's decision favored landlords in the Chuck E. Cheese case.Lender support is crucial for a successful reorganization in bankruptcy.Container Store's bankruptcy was a pre-packaged restructuring.Retail bankruptcies can present opportunities for landlords.Misconceptions exist about the causes of retail bankruptcies.Bankruptcies can lead to significant changes in retail real estate.Chapters00:00 Introduction to Bankruptcy and Retail01:36The Chuck E. Cheese Bankruptcy Case05:14Navigating Rent Delays and Abatement10:09The Role of Lenders in Bankruptcy12:39Comparing Chuck E. Cheese and Container Store18:50Lessons Learned from Retail Bankruptcies

GoFundMes to support victims of the fires in LA who are part of the MGoBlog community: General Fund. Reader's mother-in-law Anne Cohen. Reader Chef Robert. Reader Josh Bishop-Moser. Reader Mike on behalf of Mika Yoshitake & daughter Sora. Readers Liberty and Mark. 1 hour and 28 minutes The Sponsors Thank you to Underground Printing for making this all possible. Rishi and Ryan have been our biggest supporters from the beginning. Check out their wide selection of officially licensed Michigan fan gear at their 3 store locations in Ann Arbor or learn about their custom apparel business at undergroundshirts.com. Our associate sponsors are: Peak Wealth Management, Matt Demorest - Realtor and Lender, Ann Arbor Elder Law, Michigan Law Grad, Human Element, Sharon's Heating & Air Conditioning, The Sklars Brothers, the Autograph: Fandom Rewarded app, Champions Circle, Winewood Organics, Community Pest Solutions, and Venue by 4M where usually record this. 1. Dusty May Talk Starts at 1:00 Welcome to the Plodcast. This game had the awkward undertones of Mike Woodson getting "fired" and Indiana wanting to hire Dusty May. What's a better job, Indiana or Michigan? Indiana is home for Dusty but there's also a lot of pressure there. If Michigan needed the money to match, they could get it. He did turn down the Louisville job so maybe the biggest thing that would bring Dusty May back to Indiana is that his mom still lives in Bloomington.  [The rest of the writeup and the player after THE JUMP]  2. Men's Basketball vs Indiana Starts at 22:30 Once again it is the story of the season where Michigan gets a big lead and then suddenly looks like they forgot how to play basketball. Kenpom said Michigan would win by four so maybe we're overexaggerating. They've gone from a top 10 team to a top 25 team, so a 5-6 seed in the tournament. The turnover margin between the most turnovers and the fewest in the Big Ten is only four turnovers. Three point shooting was extremely frustrating. Gayle is driving to the basketball when he should be shooting a 3. Screwing up the foul on Goldin really hurt Michigan. Nimari Burnett's shooting percentages have simply fallen back down to earth.  3. Hot Takes and Men's Basketball vs Oregon Starts at 41:22 Takes hotter than the Indiana fanbase when Dusty May spikes a three hundred million dollar offer in their faces and says "I'm a Michigan man forever, babyyyy". Another game where Michigan had a double digit lead that they almost blew! Roddy Gayle got to the line a lot but also traveled enough that John Beilein would've ripped his esophagus out. Will Tschetter had a nice game and led the team in scoring. The bench players aren't quite ready and that's okay. Is Supreme Cook the best version of Brian?  4. Michigan Hockey vs Michigan State Starts at 1:13:28 Michigan picks up a split against the #2 team in Pairwise, getting one win was the best possible scenario. Both games were about the same but Michigan State actually scored in the second game. Michigan is a team of just guys. Nobody really pops besides Hage. The WWE aspect of these games in the 3rd period against Michigan State has become a bit much. Michigan has a 70% projected chance of making the field, which feels great right now. Is the most boring Michigan hockey team in memory? This isn't a bad team, they're just not the team last year that booted Michigan State out of the tournament. Pre-season expectation was to hopefully make the tournament and that hasn't changed. MUSIC: "Aston Martin Music"—Rick Ross "Waiting For The Bells"—Joel Alme "Vines"—Cameron Winter “Across 110th Street”—JJ Johnson and his Orchestra    

Getting an offer on your listing is exciting—yay!

GoFundMes to support victims of the fires in LA who are part of the MGoBlog community: General Fund. Reader's mother-in-law Anne Cohen. Reader Chef Robert. Reader Josh Bishop-Moser. Reader Mike on behalf of Mika Yoshitake & daughter Sora. Readers Liberty and Mark. 1 hour and 9 minutes The Sponsors Thank you to Underground Printing for making this all possible. Rishi and Ryan have been our biggest supporters from the beginning. Check out their wide selection of officially licensed Michigan fan gear at their 3 store locations in Ann Arbor or learn about their custom apparel business at undergroundshirts.com. Our associate sponsors are: Peak Wealth Management, Matt Demorest - Realtor and Lender, Ann Arbor Elder Law, Michigan Law Grad, Human Element, Sharon's Heating & Air Conditioning, The Sklars Brothers, the Autograph: Fandom Rewarded app, Champions Circle, Winewood Organics, Community Pest Solutions, and Venue by 4M where usually record this. 1. Men's Basketball vs Rutgers Starts at 1:00 Brian returns after a week (or two) of trying not to die ala ice and norovirus. The Rutgers game was a weird game of two offensive-oriented teams not scoring much. Rutgers has 15 more shots than Michigan and still loses due to poor shooting. Michigan did a great job defending Ace Bailey. Rubin Jones made a two! Rutgers likely won't make the tournament but this was still a solid road win. Tre Donaldson is averaging 1.7 fouls per game, can't just pull him with two fouls. Things feel bad but Michigan has a tournament bid pretty much locked up if they stay the course.  2. Men's Basketball vs Penn State and Purdue Starts at 21:34 Penn State is the most Clingon team in college basketball. Tre Donaldson was the hero with 21 points, also the Vlad Goldin "empty tubes" game. Only nine turnovers was a great improvement against a team that forces a bunch of turnovers. Speaking of poop, the Purdue game! This was not a game from the start. Michigan can't handle Purdue's pace and then the second half is just coasting home for both teams. Every Michigan coach has to get their head caved in by Painter once. It was discombobulating to see Michigan so discombobulated. The final stretch of this schedule is a gauntlet, they're all quad 1 games (besides maybe Rutgers). If Michigan finishes .500 they'll be fine.  3. Football Stuff Starts at 41:23 Ross Dellenger got a leak of a portion of Michigan's NCAA response. Michigan is taking the route that the allegations are unsupported and should be level 2 allegations. In the past they've laid down and taken it for allegations. All the released texts about Connor Stalions within the program almost sound like they're annoyed with him. The portal has been pretty quiet recently, this might be it for the incoming wide receivers. All signs point towards Ty Haywood coming to Michigan. The NIL values you see are probably made up.  4. Michigan Hockey vs Penn State Starts at 56:09 Michigan is down to 14th in Pairwise and on the bubble. The remaining games are the hardest part of the schedule so they need to go at least 3-3 to try and get into the tournament. This is such a frustrating team to watch. In some years, the Michigan defense can do spectacular things while making mistakes, this year they just make mistakes. They're running out of time to figure stuff out.  MUSIC: "Alaska"—Maggie Rogers "Help Me"—Joni Mitchell "Don't Dream It's Over"—Crowded House “Across 110th Street”—JJ Johnson and his Orchestra    

Andrew Hohns discusses the maturation of Bitcoin collateralized finance, the unique characteristics that make Bitcoin an exceptional form of collateral, and the innovative financing model of Battery Finance. In this conversation, Andrew also discusses the complexities of capital markets, the challenges posed by inflation for credit investors, and the potential of Bitcoin as a transformative tool in structured finance.  He emphasizes the importance of understanding investor needs, managing risks associated with Bitcoin-backed financing, and the global implications of integrating Bitcoin into traditional financial structures. Hohns advocates for a long-term perspective in financial planning and highlights the evolving landscape of finance influenced by digital assets. Takeaways

Ever notice how the pros make everything look easy? That's because they have guides who know all the shortcuts. In this episode, David reveals why finding your own real estate "unicorn" – an experienced, caring guide – is the game-changer most first-time buyers miss. Learn why choosing the right team early unlocks hidden paths to homeownership and saves you thousands, even if you think you're not ready to buy.Quote"Finding and working all your options - that's the best play to success. And the right people, they have your best interests at heart, and your 'best interest' - that's a phrase that unicorn-type realtors and lenders don't take lightly."Episode HighlightsCould starting with a pre-qualification actually limit your homebuying options? Discover why David recommends finding your "unicorn" realtor before talking to lenders.What if everything you've read online about the first steps to buying a home is backward? Learn why the conventional wisdom about starting with a mortgage pre-qualification might be selling you short.Is your real estate agent just a "door opener"? Uncover the crucial differences between order-taking agents and true professional guides who can reveal paths to homeownership you didn't know existed.How much training do real estate agents actually receive? (Spoiler: It's less than your barber!) Find out why choosing experienced representation is more important than you think.What's the real reason most online advice tells you to get pre-qualified first? David exposes how "big mortgage" tries to capture buyers early and potentially limits their options.Could you be closer to homeownership than you think? Learn why 72% of David's listeners who thought they were 12-18 months away from buying were actually under contract in just over 3 months.Referenced EpisodesEpisode 5: The Biggest Dirty Little Secret in Real EstateEpisode 11: The Perils of Online LendersEpisode 16: Mortgage Broker vs BankEpisode 32: VA LoansEpisode 66: Getting the Best RateEpisode 153: Getting a Loan Right Out of CollegeEpisode 164: The Chutes and Ladders of HomebuyingEpisode 192: Why Google Sometimes SucksEpisode 229: Finding Your UnicornEpisode 242: Listener Lender QuestionsEpisode 261: More on Getting the Best RateEpisode 301: Homebuying 101Connect with me to find a trusted realtor in your area or to answer your burning questions!Subscribe to our YouTube Channel @HowToBuyaHomeInstagram @HowtoBuyAHomePodcastTik Tok @HowToBuyAHomeThis podcast was created for YOU - to cut through the confusion and empower you to buy your first home. Let's change how the real estate industry treats first-timers, one buyer at a time- starting with YOU!Visit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit!David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with over 18 years of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer. Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!

GoFundMes to support victims of the fires in LA: https://gofund.me/79ecde48h https://www.gofundme.com/f/ysggb https://gofund.me/79ecde48 https://www.gofundme.com/f/liberty-mark-need-our-help?attribution_id=sl:bdeebeeb-00cf-4385-9fae-567d43bae218&utm_campaign=fp_sharesheet&utm_medium=customer&utm_source=copy_link  1 hour and 29 minutes The Sponsors Thank you to Underground Printing for making this all possible. Rishi and Ryan have been our biggest supporters from the beginning. Check out their wide selection of officially licensed Michigan fan gear at their 3 store locations in Ann Arbor or learn about their custom apparel business at undergroundshirts.com. Our associate sponsors are: Peak Wealth Management, Matt Demorest - Realtor and Lender, Ann Arbor Elder Law, Michigan Law Grad, Human Element, Sharon's Heating & Air Conditioning, The Sklars Brothers, the Autograph: Fandom Rewarded app, Champions Circle, Winewood Organics, Community Pest Solutions, and Venue by 4M where usually record this. 1. Football Portal Starts at 1:00 Find out which MGoPodcaster almost ran over Craig. Michigan picks up UMass wide receiver Anthony Simpson from the portal, hopefully he can be Drew Dileo. They also get Louisiana cornerback Caleb Anderson, he played injured last year so his PFF grades weren't terrific. He's a great tackler. OT Ty Haywood has de-committed from Alabama and was set to visit Michigan over the weekend. Apparently he wanted early play time. Cade McNamara has committed to ETSU. Ohio State and Notre Dame is not a meteor game, the choice here is obvious!  2. Men's Basketball vs Minnesota Starts at 17:47 Lack of toughness was not the issue! Minnesota hit 50% from mid-range which was the difference between OT and a Michigan win, they usually don't make these shots. The Gophers also changed their lineup quite significantly. Nimari Burnett was held in check (and was in foul trouble), Roddy Gayle was having an off game as well. Giving up 71 points in regulation to Minnesota is concerning. Need Will Tschetter to be able to put up 6-8 points per game.  3. Hot Takes and Hockey vs Michigan State Starts at 37:22 Considering Michigan State is currently #1 in the country, getting some points over the weekend is nice. Michigan is giving up a lot of goals in the five-hole. They were was able to hang with #1 MSU but there is a skill gap, Michigan doesn't have a dynamic skater and is playing a lot of freshmen. There were three penalties in Yost on Friday and 21(!) in Munn on Saturday. TJ Hughes has 10 points in six games, How should Michigan approach player development moving forward? Need to win three of the next four.  4. Men's Basketball vs Northwestern Starts at 1:05:35 Attending this game in person was torture because you can't even see what they're reviewing. Can't have your foot too close to the jingle jangles. Goldin is 9 of 16 on threes! He needs to wear a cup or something. Is this Michigan's first game this season where they had fewer turnovers than the opposition? The offense needs to diversify because opposing defenses are collapsing on the center and Wolf has been having issues. Is Tre Donaldson or Roddy Gayle the answer? Gotta respect Chris Collins for having a competitive team every year. Purdue is smaller than we're used to seeing but playing them at Mackey is a tall order.  MUSIC: "Trouble"—Father John Misty "Never Ending Math Equation"—Sun Kil Moon "One Of These Days"—Michigander “Across 110th Street”—JJ Johnson and his Orchestra