Podcasts about lenders

Welcome to The Chrisman Commentary, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.In today's episode, we look at the shifting priorities and sentiments of would-be home buyers. Plus, Robbie sits down with TD Bank's Jon Giles for a discussion on how today's rate environment is reshaping housing supply, why rising renovation trends and growing HELOC demand are turning home equity into a powerful financial tool, and how lenders can responsibly meet homeowners' increasing appetite for equity access. And we close by examining what sort of expectations there are for future rate cuts.Thank you to Figure. Figure is shaking up the lending world with their five-day HELOC, offering borrower approvals in as little as five minutes and funding in five days. Figure has hundreds of partners in the Banking, Credit Union, Home Improvement, and of course, IMB space embedding their technology. Lenders, give your borrowers an experience they will rave about. Learn more at figure.com.

Welcome to The Chrisman Commentary, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.In today's episode, we look at the latest findings from the Mortgage Bankers Association's (MBA) newly released Quarterly Mortgage Bankers Performance Report. Plus, Robbie sits down with Figure's Michael Tannenbaum for a discussion on how small-balance first-liens and HELOC-as-refi strategies work, the latest developments after the company's IPO, and his thoughts on the current lending climate. And we close by examining what the influence of the labor market on mortgage rates.Thank you to Figure. Figure is shaking up the lending world with their five-day HELOC, offering borrower approvals in as little as five minutes and funding in five days. Figure has hundreds of partners in the Banking, Credit Union, Home Improvement, and of course, IMB space embedding their technology. Lenders, give yo

Welcome to The Chrisman Commentary, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.In today's episode, we look at the latest news and corporate developments from around the mortgage industry. Plus, Robbie sits down with HomeLight's Nick Friedman for a discussion on lender sentiment heading into 2026, with optimism rising and new buyer behaviors taking shape that could reshape the housing market. And we close by examining what sort of prepayments we are seeing in the mortgage-backed security (MBS) market.Thank you to Figure. Figure is shaking up the lending world with their five-day HELOC, offering borrower approvals in as little as five minutes and funding in five days. Figure has hundreds of partners in the Banking, Credit Union, Home Improvement, and of course, IMB space embedding their technology. Lenders, give your borrowers an experience they will rave about. Learn more at figure.com.

Send us a textA six‑week window can change your entire year. With rates easing, swap markets stabilizing, and millions of fixed deals expiring in the next 18 months, this is the moment to act with precision and purpose. We break down what's moving the mortgage market, why lenders are sharpening prices, and how a short December can derail clients who wait until January. Most importantly, we share a step‑by‑step outreach plan to protect relationships, secure competitive options early, and build momentum for 2026.We start with a clear market snapshot—base rate steady, lenders competing on two‑ and five‑year fixes, and affordability nudging in the right direction—then zoom into the operational realities that matter: holiday staffing gaps, potential repricing after the Autumn Statement, and lender retention engines pushing product transfers direct to your clients. You'll learn how to segment your database for 2026 expiries, craft concise messages that cut through inbox noise, and use calls, texts, and WhatsApp to book quick “rate check” reviews that turn intent into action.From there, we tackle the human side. Payment shock is real even as rates soften, so we map practical steps to review budgets, stress test repayments, and add resilience with income protection, life cover, and critical illness where suitable. For landlords, we outline portfolio restructuring options amid tax and regulatory shifts. We also share how to educate clients around the budget—what could change on stamp duty, landlord reliefs, or green incentives—and why timely updates position you as the advisor they call first. Finally, we look ahead to AI: as lenders scale retention tech, brokers who pair smart tools with personal advice will win the long game.If today's plan helps, tap follow, share this with a broker who needs a nudge, and leave a quick review so more advisers can find it. Ready to run your own race and make the most of the remortgage surge?I help employed mortgage brokers go self-employed with clarity, confidence and one-to-one mentoring. Find out how Pathways or Coaching works at craigskelton.co.uk The Broker Foundry – Where Mortgage Brokers Become Business Owners Subscribe on YouTube: https://www.youtube.com/@TheBrokerFoundry #mortgagebroker #mortgagebrokers #mortgagebrokeruk #mortgagebrokercoaching #coaching #mortgagebrokerage #mortgagebrokerbusiness #mortgagebrokermarketing #mortgagebrokertips #mortgageadvisor #mortgageadviser #mortgagecoach ...

In today's episode, Michael gives some hints and tips around negotiating with LendersYou can also watch on YouTube:https://youtu.be/RsXYf90cehc▶︎ Website - www.thepropertyfinancecollective.co.uk▶︎ The Host - With a passion for creative finance and the ability to structure deals for Finance, I love helping first time Developers and Investors to get deals packaged for the finance needed to push Property Careers forward, and to date I have raised over £500 million for Developers and Investors. I first got into property at the age of 18 when I got into Conveyancing straight out of school. I then went into Estate Agency, back into Conveyancing and I then got into brokering at the age of 22. I decided a year and a half later that I wanted to work for myself and try and shake up the market place! At the age of 24 I set up The Property Finance Guy and became the youngest owner of a Commercial Finance Brokerage in the Country, and alongside this I now also have a successful Training Company, educating Investor and Developers on how to raise finance, and a successful Podcast.I am a keen public speaker and have delivered training and speeches to over 1000 investors and developers over the past 2 years.Follow Michael:▶︎ Facebook - https://www.facebook.com/thepropfinguy/▶︎ Instagram - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.instagram.com/thepropertyfinanceguy/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠▶︎ LinkedIn - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.linkedin.com/in/michael-primrose-886a365b/?originalSubdomain=uk⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Listen to the Podcast on:▶︎ Apple Podcasts - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://podcasts.apple.com/gb/podcast/the-property-finance-podcast/id1448207494⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠▶︎ Spotify - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://open.spotify.com/show/7JiDtm7hc0EfSW9LjCXDaO⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠▶︎ YouTube - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://youtube.com/@thepropertyfinanceguy⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠▶︎ Disclaimer - With the market changing so quickly, the content could be out of date at the time of listening.This Content is for informational purposes only, you should not construe any such information or other material as legal, tax, investment, financial, or other advice.

Welcome to The Chrisman Commentary, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.In today's episode, we look at the latest news and testimony emerging from the fraud case against Fed Governor Cook. Plus, Robbie sits down with ICE's John Hedlund for a discussion on how mortgage leaders can scale sustainably, unlock new innovation in risk and operations, balance efficiency with human-centered borrower experience, and prepare for the next major shift in the housing and lending cycle. And we close by examining what sort of performance we are seeing in the mortgage-backed security (MBS) market.Thank you to Figure. Figure is shaking up the lending world with their five-day HELOC, offering borrower approvals in as little as five minutes and funding in five days. Figure has hundreds of partners in the Banking, Credit Union, Home Improvement, and of course, IMB space embedding their technology. Lenders, give your borrowers an experience they will rave about. Learn more at figure.com.

Headline news for November 18, 2025: UN backs the Gaza plan, rising UK refugee tensions, China blocking Japanese films, RBA policy ambiguity, a stronger ringgit, Hong Kong’s property strain, and higher ERP charges in Singapore. Synopsis: A round up of global headlines to start your day by The Business Times. Written by: Howie Lim / Claressa Monteiro (claremb@sph.com.sg) Produced and edited by: Claressa Monteiro Produced by: BT Podcasts, The Business Times, SPH Media Produced with AI text-to-speech capabilities --- Follow Lens On Daily and rate us on: Channel: bt.sg/btlenson Amazon: bt.sg/lensam Apple Podcasts: bt.sg/lensap Spotify: bt.sg/lenssp YouTube Music: bt.sg/lensyt Website: bt.sg/lenson Feedback to: btpodcasts@sph.com.sg Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice. Discover more BT podcast series: BT Mark To Market at: bt.sg/btmark2mkt WealthBT at: bt.sg/btpropertybt PropertyBT at: bt.sg/btmktfocus BT Money Hacks at: bt.sg/btmoneyhacks BT Market Focus at: bt.sg/btmktfocus BT Podcasts at: bt.sg/podcasts BT Lens On: bt.sg/btlensonSee omnystudio.com/listener for privacy information.

Welcome to The Chrisman Commentary, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.In today's episode, we look at the latest changes (or proposed changes) from FHFA. Plus, Robbie sits down with MBA's Joel Kan for a discussion on the mortgage industry's cautiously optimistic outlook, with steady purchase activity, emerging refi opportunities, and expected annual originations above $2 trillion, despite regional housing softness, a gradually weakening labor market, and uncertain short-term impacts from AI. And we close by examining what the economic calendar should look like now that the government is back up and running.Thank you to Figure. Figure is shaking up the lending world with their five-day HELOC, offering borrower approvals in as little as five minutes and funding in five days. Figure has hundreds of partners in the Banking, Credit Union, Home Improvement, and of course, IMB space embedding their technology. Lenders, give your borrowers an experience they will rave about. Learn more at figure.com.

3 Ways To Raise Capital For Hard Money Lenders - #308 Looking to grow your hard money lending business but not sure how to raise private capital the right way? In this episode of the Private Lenders Podcast, hosts Jason and Chris from Hard Money Bankers break down the three proven ways to structure and raise private capital for hard money lending — no matter your experience level.

Every quarter, we dig into dozens of CRE earnings calls, tuning in, reading the releases, and looking for what really stands out. This time, we're taking a different approach. Instead of focusing on individual companies, we're pulling out the biggest themes across lenders, REITs, and brokers, from credit thawing to where capital is flowing next in 2026.Key Moments:01:51 Lenders' insights and trends06:41 Retail REIT earnings highlights11:51 Office sector analysis18:18 Industrial sector developments26:30 Multifamily sector review31:15 Brokerages and asset managers outlook41:13 Overarching takeawaysResources Mentioned:Email us: altusresearch@altusgroup.comThanks for listening to the “CRE Exchange” podcast, powered by Altus Group. If you enjoyed this episode, please leave a review to help get the word out about the show. And be sure to subscribe so you never miss another insightful conversation.#CRE #CommercialRealEstate #Property

How are innovation, data, and AI are transforming the mortgage experience? Wendy Hannah-Olson, SVP of Digital Alliances and Strategy Execution at Equifax, sits down with Jonas Moe, SVP of Marketing at ICE Mortgage Technology to discuss this evolution, from streamlining operations and improving borrower engagement to keeping the human connection at the heart of lending.In this episode:How are lenders improving the borrower experience?The focus is shifting toward a complete borrower lifecycle — creating a seamless experience from application through servicing. Lenders are embracing automation in the “middleware” stages, such as underwriting and processing, to remove friction while keeping human engagement where it matters most.How is ICE Mortgage Technology evolving its platform?By integrating technologies from MERS, Simplifile, Ellie Mae, and Black Knight under the ICE umbrella, the company is building a truly end-to-end ecosystem that connects origination and servicing to eliminate friction, reduce costs, and enhance borrower visibility.What role does AI play in operational efficiency?ICE uses AI to make compliance and servicing smarter — for instance, through “Ask Reggie,” a tool that simplifies complex AllRegs compliance searches, and an AI-powered call agent that routes consumers efficiently to either automated answers or human assistance when needed.What's next for credit scores and data innovation?ICE is collaborating closely with FHFA, Fannie, Freddie, and Equifax to support the rollout of new credit models responsibly. Equifax's new crisis-period dataset — tracing behavior before, during, and after 2008 — helps the industry model risk more accurately as scoring systems evolve.

Send us a textA quiet revolution is reshaping mortgage retention in the UK: lenders now use AI to spot churn, price smarter, and send personalized offers long before a fixed rate ends. We unpack how those engines work, why they're so effective at capturing product transfers, and what that means for brokers who have built pipelines around renewals. The story isn't doom and gloom; it's about timing, experience, and the kind of advice that a one-click journey can't replicate.Together we map the new retention funnel from data to decision: servicing history, property values, and behavior signals feed models that predict who will switch and when. Then come targeted prompts via email, text, and apps, with pre-filled applications and instant eligibility checks. We explore dynamic pricing, segmentation for landlords and high-net-worth borrowers, and the commercial reality of PT fees. You'll hear where lenders gain ground through convenience and where they still fall short when clients need capital raising, term changes, debt consolidation, or later-life solutions that demand real guidance.We share a practical broker playbook to stay indispensable: use AI-powered CRM triggers to contact clients months before the bank, deliver clear comparisons and scenario planning, and match digital ease with secure portals, e-signatures, and video reviews. Educate clients on the difference between information and advice, lean into Consumer Duty to demonstrate suitability, and diversify into specialist lending and protection to reduce reliance on simple PTs. The takeaway is simple: algorithms can nudge, but trust wins decisions when stakes are high.If this conversation helps you rethink your strategy, subscribe, leave a review, and share it with a colleague who needs a fresh retention plan.I help employed mortgage brokers go self-employed with clarity, confidence and one-to-one mentoring. Find out how Pathways or Coaching works at craigskelton.co.uk The Broker Foundry – Where Mortgage Brokers Become Business Owners Subscribe on YouTube: https://www.youtube.com/@TheBrokerFoundry #mortgagebroker #mortgagebrokers #mortgagebrokeruk #mortgagebrokercoaching #coaching #mortgagebrokerage #mortgagebrokerbusiness #mortgagebrokermarketing #mortgagebrokertips #mortgageadvisor #mortgageadviser #mortgagecoach ...

Today's show features: Kable Derrow, Owner of Findlay Chrysler Dodge Jeep Ram Will Holleman, Automotive Sales at Equifax Devin Kaulback, GM of Subaru of Niagara This episode is brought to you by: CR Stream – Put the power of multiple auctions in your hand! CR Stream multi-lists your inventory to OVE, SmartAuction, and Copart simultaneously. Capture vehicle photos, damage, details and pricing start to finish in under 10 minutes with the CR Stream iPhone and Android mobile apps. Pay only $150 sell fee when you vehicles sells at auction! visit https://crstream.com/ to learn more. Equifax – Fund More Auto Loans, Faster. Auto loan applicants are 40% more likely to be funded when instantly verified by The Work Number. You can get the data you need to know your borrower better and make fast, smart decisions. Equifax provides instant, secure access to verified borrower identity, address, income, and employment information, helping you move deals forward quickly. Visit https://carguymedia.com/3Lplzue to learn more. CDG Circles – A modern peer group for auto dealers. Private dealer chats. Real insights — confidential, compliant, no travel required. Visit https://cdgcircles.com/ to learn more. Car Dealership Guy is back with our second annual NADA Party—happening in Las Vegas on Thursday, February 5th. It's the hottest ticket at NADA 2026. Spots are limited and unfortunately we can't invite everyone —so RSVP today at https://carguymedia.com/cdglive and we hope to see you in Vegas! — Check out Car Dealership Guy's stuff: CDG News ➤ https://news.dealershipguy.com/ CDG Jobs ➤ https://jobs.dealershipguy.com/ CDG Recruiting ➤ https://www.cdgrecruiting.com/ My Socials: X ➤ https://www.twitter.com/GuyDealership Instagram ➤ https://www.instagram.com/cardealershipguy/ TikTok ➤ https://www.tiktok.com/@guydealership LinkedIn ➤ https://www.linkedin.com/company/cardealershipguy/ Threads ➤ https://www.threads.net/@cardealershipguy Facebook ➤ https://www.facebook.com/profile.php?id=100077402857683 Everything else ➤ dealershipguy.com

In this episode of The Fintech Hunting Podcast, recorded following the Loan Vision Innovation Conference in Atlanta, host Michael Hammond sits down with Julia Brown, CEO and Founder of Telescope Advisors, to unpack the hidden fractures that quietly derail mortgage M&A deals.Julia shares deep insights from the frontlines of organizational transformation and post-acquisition integration. Whether you're an executive at a top mortgage enterprise or a growing IMB evaluating potential partners, this conversation delivers the strategies you need to avoid costly missteps and lead your team through change.Topics covered include:The real reasons M&A integrations fall apart after closingCultural alignment vs. operational efficiencyWhat PE firms are looking for in servicing portfoliosThe power of transparent leadership during transitionHow AI and workflow optimization are reshaping modern lendingWhy compensation alone won't retain top talent in 2025This conversation is packed with practical takeaways for lenders, tech leaders, and operators navigating a rapidly evolving mortgage landscape.Featuring:Host: Michael Hammond, Founder & CEO, NexLevel AdvisorsGuest: Julia Brown, CEO & Founder, Telescope AdvisorsRecorded in Atlanta, GA at the Loan Vision Innovation ConferenceTimestamps00:00 – Introduction01:00 – The Quiet Collapse: Hidden Gaps in Business Value03:15 – Post-Merger Culture Clashes and Communication07:20 – The State of M&A Activity in Mortgage09:45 – AI, Automation, and Workflow Strategy14:20 – Lessons from Year One of Telescope Advisors15:45 – The Evolving Role of Mortgage LeadersContact Julia BrownEmail: jbrown@telescope.co

At MBA Annual 2025, HousingWire CEO Clayton Collins interviewed Rikard Bandebo, Chief Strategy Officer and Chief Economist at VantageScore, about one of the biggest industry shifts in decades: the entrance of VantageScore into the mortgage ecosystem. In this episode:Why is credit score competition important?For decades, the mortgage industry has relied on one scoring model. With the Federal Housing Finance Agency (FHFA) expanding options, VantageScore introduces innovation, transparency, and fairness—allowing lenders to assess creditworthiness more accurately and consumers to qualify for mortgages previously out of reach.How will this change expand homeownership?VantageScore's model incorporates up to 24 months of credit history and uses alternative data sources, helping identify five million additional households that could qualify for mortgages. These consumers are often in rural or high-rental communities, meaning the change supports economic growth and financial inclusion in underserved markets.What are the implications for lenders and the market?·       Lenders: Gain new tools to expand their customer base without increasing risk.·       Consumers: See more consistent and transparent scoring.·       Market: Competitive pricing for credit data, increased innovation, and better access to affordable lending.What's next for mortgage credit innovation?Lenders are encouraged to back-test their portfolios, prepare internal systems, and align with new data channels to ensure readiness as the transition accelerates in 2026.

Auto lenders are homing in on key areas of underwriting to manage risk and grow in 2026 as the subprime market continues to face challenges with credit performance and affordability.Improved loan decisioning, declining interest rates, the use of data and analytics, and responsible growth are top of mind for auto lenders into next year, leaders said at the recent Auto Finance Summit 2025.The Federal Reserve cut its benchmark interest rate by another 25 basis points (bps) on Oct. 29, prompting lenders to prepare for an uptick in refinance opportunities. However, affordability remains a leading concern, especially for subprime consumers.In fact, Irvine, Calif.-based subprime auto lender Bayside Credit stopped originating auto loans against the backdrop of challenging macroeconomic conditions.Subprime credit performance is also a concern in the auto securitization market, with  and lenders that target consumers who may not be legal U.S. citizens experiencing higher-than-expected losses.In other news, subprime lender Credit Acceptance Corp.'s originations fell 16.5% year over year in the third quarter amid competition and worsening loan performance.Carvana, on the other hand, posted a 58.8% YoY jump in originations in Q3 and increased its forward-flow agreement with Ally Financial.In this episode of “Weekly Wrap,” Auto Finance News Associate Editor Aidan Bush discusses trends across underwriting, subprime lending, capital markets and third-quarter earnings for the week ended Oct. 31.

After decades as the standard for creditworthiness and mortgage‐backed securities pricing, FICO faces new competition. Robert Zimmer, Director of External Affairs at Community Home Lenders of America, Inc., joins Double Take to answer the questions lenders and investors are asking about risk, pricing, and market stability in the mortgage lending industry.

In this episode of the AFSA Extra Episode Podcast, Dan discusses delays and their costs with Adam Fader, Senior Manager, Business Development at MVTRAC and Sam Van Scoyoc, VP of Business Development for Secure Collateral Management (SCM), the combination of which forms AFSA Business Partner DRN MVTRAC SCM. Lenders lose millions annually from delayed recoveries, impound fees, and depreciation. Many still rely on snail mail notifications, which slow everything down. In our discussion, we talk about the true cost of delays, to the tune of several thousand dollars per vehicle in many cases, managing the auto repo world, and how lenders can effectively plan for and manage both. Toward the end of our conversation, Sam Van Scoyoc mentions a new data stream that will enhance the company's offering. Since recording, DRN MVTRAC SCM announced an integration with Loanbridge data. You can read more about that at the DRN Blog.   Speakers ·      Adam Fader, Senior Manager, Business Development at MVTRAC ·      Sam Van Scoyoc, VP of Business Development for Secure Collateral Management (SCM)   Host ·      Dan Bucherer, Senior Director, Member Services & Engagement, AFSA

Why do smart people still fall into debt traps? The truth is, debt is marketed to us in ways to exploit our psychology. We underestimate the true cost of borrowing, overestimate our ability to pay, and let lenders hide the fine print in plain sight. In this episode, Shari sits down with John Dinsmore—Professor of Marketing at Wright State University and author of The Marketing of Debt: How They Get You. Together, they unpack the marketing tricks and mental blind spots that keep people swiping, tapping, and signing up for loans they may regret later. Talkin' Points → where your money gets smarter. Real talk, practical tips, zero guilt straight to your inbox. ⁠Sign up here.⁠ You'll hear: Why your “future self” isn't as financially heroic as you think How irregular expenses—not daily bills—fuel most credit card debt The hidden dangers of “0% interest” offers and long-term car loans Why paying with cash feels painful (and tapping to pay feels too good) The most important step you can take today to avoid debt traps If you've ever wondered why debt feels so easy to get into—and so hard to get out of—this episode will give you the insight (and strategies) you need to outsmart the marketing of debt. Talkin' Points → where your money gets smarter. Real talk, practical tips, zero guilt straight to your inbox. Sign up here.  Follow John on X https://x.com/jdinsmore Be sure to like and follow the show on your favorite podcast app! Keep the conversation going on Instagram @everyonestalkinmoney Thank you to our sponsors!  Policygenius - Head to policygenius.com to compare free life insurance quotes from top companies and see how much you could save.  Learn more about your ad choices. Visit megaphone.fm/adchoices

We have a couple more names to add to our fast-growing list of shadow banking casualties. And, yes, collateral is once again the common theme. One of them is of course in subprime auto financing, but that's just another canary in the credit coalmine. The other has been accused of fabricating half a billion of collateral invoices. Half a billion. Fake collateral.Eurodollar University's Money & Macro Analysis---------------------------------------------------------------------------------------------------------------------What if your gold could actually pay you every month… in MORE gold?That's exactly what Monetary Metals does. You still own your gold, fully insured in your name, but instead of sitting idle, it earns real yield paid in physical gold. No selling. No trading. Just more gold every month.Check it out here: https://monetary-metals.com/snider---------------------------------------------------------------------------------------------------------------------WSJ Bankrupt Telecom Business Accused of Fraud in Receivables Financinghttps://www.wsj.com/articles/bankrupt-telecom-business-accused-of-fraud-in-receivables-financing-0370b4fdBloombergLaw Factoring-Firm Affiliate Files Chapter 11; Up to $1B Liabilitieshttps://news.bloomberglaw.com/bankruptcy-law/factoring-firm-affiliate-files-chapter-11-up-to-1b-liabilitiesFreightWaves Factoring companies squeezed by slowing shipper payments: Alsobrookshttps://www.freightwaves.com/news/factoring-companies-squeezed-by-slowing-shipper-payments-alsobrooksBloomberg BOE's Bailey Warns ‘Alarm Bells' Ringing in Private Credithttps://www.bloomberg.com/news/articles/2025-10-21/boe-s-bailey-warns-of-financial-crisis-echoes-in-private-credithttps://eurodollar.universityTwitter: https://twitter.com/JeffSnider_EDU

On today's show we are talking about how to interact with a lender. If you're in the game of real estate, chances are you've borrowed money. Lenders come in all shapes and sizes from the traditional community and regional banks, to the larger agency debt like Fannie Mae or Freddie Mac, to the government sponsored loans from HUD or SBA. There are then numerous private options including debt funds, CMBS loans, preferred equity, CPACE  and mezzanine lenders. They all have one thing in common. They will go through an underwriting process that requires you to provide documentation about the borrower, the guarantor if it's a recourse loan and the property. Those requirements will be listed generally on a term sheet, and then perhaps later in the process in a commitment letter, or a closing checklist.On today's show I'm going to share what we believe are best practices, or at least I'm going to share how we manage this process in our development company. ------------**Real Estate Espresso Podcast:** Spotify: [The Real Estate Espresso Podcast](https://open.spotify.com/show/3GvtwRmTq4r3es8cbw8jW0?si=c75ea506a6694ef1)   iTunes: [The Real Estate Espresso Podcast](https://podcasts.apple.com/ca/podcast/the-real-estate-espresso-podcast/id1340482613)   Website: [www.victorjm.com](http://www.victorjm.com)   LinkedIn: [Victor Menasce](http://www.linkedin.com/in/vmenasce)   YouTube: [The Real Estate Espresso Podcast](http://www.youtube.com/@victorjmenasce6734)   Facebook: [www.facebook.com/realestateespresso](http://www.facebook.com/realestateespresso)   Email: [podcast@victorjm.com](mailto:podcast@victorjm.com)  **Y Street Capital:** Website: [www.ystreetcapital.com](http://www.ystreetcapital.com)   Facebook: [www.facebook.com/YStreetCapital](https://www.facebook.com/YStreetCapital)   Instagram: [@ystreetcapital](http://www.instagram.com/ystreetcapital)  

In this powerful episode of The Abundance Mindset, hosts Vinney (Smile

SMBs don't have access to the same level of sophisticated lending options as consumers.There is one fundamental problem that prevents this class of product from pushing forward: lenders juggle multiple data vendors, wrestle with disconnected point solutions, and these tools lack the ability to paint a full picture of the SMB customer and their needs. The result is an ecosystem where a majority of time is spent on solving operational blockades rather than building solutions that cater to the whole lending lifecycle of a SMB customer. “We need something that covers everything. There can't just be a bunch of point solutions," says Jon Fry, founder and CEO of Lendflow. Lendflow has tackled this challenge by building a unified embedded lending infrastructure that works with over 200 companies to streamline three critical pillars in the lending lifecycle: distribution, decisioning, and workflow automation. The firm is not a lender today, nor are they interested in becoming an embedded lender in the future; instead it has positioned itself as the technology backbone that enables existing lenders to become embedded lenders themselves. Lendflow's approach is paying off for clients like BHG Financial, which uses the firm's entire platform suite and has seen dramatic improvements in operational efficiency and approval rates through the partnership. Listen to this podcast to learn how Lendflow is helping lenders break out of the fragmentation quagmire and access a full agentic AI toolbox that helps re-engage borrowers, as well as improve efficiencies for internal processes.

Welcome back to the Fintech Takes podcast. I'm Alex Johnson, joined by Kevin Moss (Senior Advisor at Baselayer, former CRO) to help launch Facing Credit, a new series where we unpack what's happening in lending right now. We start with student loans. Repayment data is finally flowing back to credit bureaus after years of paused reporting (which have inflated credit scores; lenders need to recalibrate how they read risk). Meanwhile, the SAVE program's gone, and borrowers in default could have up to 15% of their wages garnished. Around 2M people are already at risk, with more likely to follow. If federal loans move back to the private market, college access could shrink fast. Next, open banking. Chase and Plaid agreed to a deal for paid API access, while Chase also partnered with Nova Credit to expand cash-flow underwriting. Kevin's view is that cost recovery makes sense (as a former banker for 31 years, who's been in fintech for 10+ years!), and there's precedent for it, but data pricing shouldn't stifle innovation (or become a tool to protect card economics). Finally, big moves in mortgage land. FICO ended its long-time exclusive distribution arrangement with the credit bureaus and began selling scores directly to lenders. Equifax fired back by cutting VantageScore pricing and pledging free scores in 2026 for FICO users. Kevin sees this as the end of FICO's monopoly and the start of real competition. Lenders have gained leverage to rethink data models, and if the bureaus play it right, they'll win the long game. Plus, we'll close each Facing Credit episode with our guest's take on one trend (or observation) shaping the industry. This time: how will a slowing economy hit lending portfolios? Tune in for Kevin's take! Sign up for Alex's Fintech Takes newsletter for the latest insightful analysis on fintech trends, along with a heaping pile of pop culture references and copious footnotes. Every Monday and Thursday: https://workweek.com/brand/fintech-takes/ And for more exclusive insider content, don't forget to check out my YouTube page. Follow Kevin Moss: LinkedIn: https://www.linkedin.com/in/kevin-moss-b032163/   Follow Alex Johnson:  YouTube: https://www.youtube.com/channel/UCJgfH47QEwbQmkQlz1V9rQA/videos LinkedIn: https://www.linkedin.com/in/alexhjohnsonX: https://www.twitter.com/AlexH_Johnson

Alia Al-Sabah v. World Business Lenders, LLC

Kevin and Kieran discuss the news that Sheffield Wednesday are set to be served with a winding-up petition, and find out why 777 Partners co-founder Josh Wander has been charged with defrauding lenders. Buy tickets for The Price of Football LIVE in Brighton on Wednesday 19th November 2025 here... https://www.eventbrite.co.uk/e/the-price-of-football-live-tickets-1739273607179?sg=844f82c0365a9f4708f4f8d3b8c9fbbff7184142e96886ec5b41d5ad250d0d3882721999f66ee4dd55298ea0ecaf40edfe316a9ec2be64cfc5d0fb31e35d366263139a0efb1d076391fb5c17c5&aff=ebdsshios Follow Kevin on X - @kevinhunterday Follow Kieran on X - @KieranMaguire Follow The Price of Football on X - @pof_pod Send in a question: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠questions@priceoffootball.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Join The Price of Football CLUB: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://priceoffootball.supportingcast.fm/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Check out the Price of Football merchandise store: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://the-price-of-football.backstreetmerch.com/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Visit the website: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://priceoffootball.com/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ For sponsorship email - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠info@adelicious.fm⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ The Price of Football is a Dap Dip production: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://dapdip.co.uk/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠contact@dapdip.co.uk⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Learn more about your ad choices. Visit podcastchoices.com/adchoices

Here are alternative ways to qualify for a mortgage without using tax returns:

Michael Zanzini is a Senior Mortgage Agent and Partner with Better Mortgage Select. With a career boasting over a decade of direct investor relations and portfolio structuring, Michael's goal is to assist his clients with the utmost care and attention to their financial goals.  On this episode, we discuss:  Exclusive Opportunities for Additional Dwelling Units (ADUs) Understanding B Lenders and Today's Alternative Mortgage Solutions Mortgage Lending Trends and The Impact of Stricter Requirements  You can reach out to Michael Zanzini at Michael@bmselect.ca   Download a free report: “Multi-Unit Renovation Operations Order - A Guide to Starting a Renovation” Subscribe and review today! Instagram Youtube Spotify Apple Podcasts      

The Centre is planning to merge smaller public sector banks with larger banks such as Punjab National Bank, Bank of Baroda, and SBI by FY27. Emirates NBD's India unit is likely to acquire a 51% stake in RBL Bank. Only about 20% of stocks are cheap today, and even that comes with legitimate concerns, as 50-60% of stocks trade in an overvalued zone, said Maran Govindasamy.

On the October 13th episode of "People Not Titles," hosts Steve Kaempf and Matt Lombardi discuss the ongoing U.S. government shutdown's effects on housing, major legal news including antitrust lawsuits against Zillow, Redfin, and brokerages, a new mortgage price-fixing case, Zillow's ChatGPT integration, investor trends, and Chicago's Central Area Plan for 2045. The episode emphasizes the importance of staying informed amid rapid industry changes.**Podcast Introduction (00:00:00)****Casual Banter & Episode Setup (00:00:23)****Zillow & Redfin FTC Lawsuit (00:00:57)****Gibson Lawsuit & Real Estate Settlements (00:10:42)****Zillow vs. Compass Legal Battle (00:14:46)****Mortgage Price-Fixing Lawsuit (00:17:26)****Zillow ChatGPT Integration (00:22:48)****Investor Activity in Housing Market (00:24:56)****Chicago Central Area Plan 2045 (00:29:21)****Other News & Announcements (00:33:47)****Podcast Closing & Sponsor Message (00:36:06)**Full episodes available at www.peoplenottitles.comPeople, Not Titles podcast is hosted by Steve Kaempf and is dedicated to lifting up professionals in the real estate and business community. Our inspiration is to highlight success principles of our colleagues.Our Success Series covers principles of success to help your thrive!www.peoplenottitles.comIG - https://www.instagram.com/peoplenotti...FB - https://www.facebook.com/peoplenottitlesTwitter - https://twitter.com/sjkaempfSpotify - https://open.spotify.com/show/1uu5kTv...

On this episode of Housekeys, host Cam Villa welcomes lender Katie Logsdon. Katie began her lending journey in 2005 and is currently with Guild Mortgage. She has become especially known for her expertise in divorce lending, working closely with mediators and attorneys. Originally coming to Sacramento State to play softball, Katie's path took unexpected turns, but her strong family ties, years of involvement with BNI in Galt, and commitment to her community in College Greens have kept her grounded. Katie's advice for new Loan Officers is straightforward: join a team to learn and grow. As a dedicated SAR member, she believes in asking for business, building the right relationships, and always taking care of your clients and partners.   Music: Welcome to the Show by Kevin MacLeod Link: https://incompetech.filmmusic.io/song/4614-welcome-to-the-show  License: https://filmmusic.io/standard-license  All speakers in this podcast do not speak on behalf of the Sacramento Association of REALTORS® nor do they represent the Sacramento Association of REALTORS®. All presenters are speaking on behalf of their own profession.

How's your credit score? Is it in tip-top shape, or maybe it could use a little bit of love? The fact is that your credit score is one of the most important financial metrics we use today and how we manage and nurture it makes a huge difference in shaping your financial opportunities. By managing and improving it, you can secure better loan terms and lower interest rates, paving the way for a healthier financial future.   Links: Explore the identity protecting benefits of a Better Checking account Disputing Errors on Your Credit Reports | Consumer Advice Check out TCU University for financial education tips and resources! Follow us on Facebook, Instagram and Twitter! Learn more about Triangle Credit Union   Transcript: Welcome to Money Tip Tuesday from the Making Money Personal podcast.   A credit score might seem like a mysterious three-digit number, but it holds significant influence over your financial life. Whether you're applying for a loan or a credit card, renting an apartment, or even setting up utilities, your credit score plays a crucial role in the decisions that lenders, landlords, and service providers make. Your credit is a valuable asset, and credit score awareness can be a crucial piece in overall financial wellness and identity theft protection. In this tip, we want to remind account holders of the importance of understanding credit scores and provide some tips to help them improve and maintain a healthy credit score.   What Is a Credit Score?   Simply put, a credit score is like a grade for how good you are at managing money. It is one of the most important tools that lenders and financial institutions use to assess the risk of lending money to you. A higher credit score indicates a healthy credit history; therefore, a lower credit risk, making you more appealing to potential creditors. Credit scores typically range from 300 to 850, with higher scores being better, indicating that you have consistently made payments on time to satisfy your credit obligations. While a "good" credit score varies based on the lender and the specifics of the loan request, it is typically around 700 or higher. Once your score is over 760, you may expect to be offered the best available rates. Credit agencies refresh scores once a month, but the exact timing of those updates may vary based on a myriad of factors.  How Is a Credit Score Calculated?   You might be surprised to learn that you can have multiple different credit scores at the same time. Based on where the lender obtained their data (from one, two, or all three credit reporting agencies), the credit score model that is used, the lender's own criteria for issuing credit, and the timing of when the score was produced. A hypothetical scenario for calculating a credit score might weigh the following factors this way:  Payment History (35%): This is the most important part. It's like getting a gold star for paying bills on time. If you pay on time, your score goes up. If you miss payments, it goes down.  Credit Utilization (30%): Imagine you have a money jar, and you use only a little bit of it. That's good for your score. But if you use a lot of it, it's not so good. This measures how much of your available credit you're using.  Length of Credit History (15%): The longer you've had credit (like a credit card or loan), the better. It's like experience points. More experience means a higher score.  Credit Mix (10%): Having different types of credit, like credit cards and loans, can be like having a diverse team. It's good for your score, but you don't need to have them all.  New Credit (10%): Every time you apply for new credit, like a loan or a credit card, it can slightly lower your score. Too many applications at once can hurt your score.  Lenders will also look at other factors, such as your income, your assets, or how long you have been at your current job. Note that a high credit score isn't the only sign of financial health. An individual who chooses to use cash or debit cards for major purchases rather than taking out loans will likely have a lower credit score than someone with a long record of multiple well-managed debts, even though they may be very financially responsible.      Why Does Your Credit Score Matter?   Getting Credit: When you need to borrow money, like for a credit card or a car loan, lenders look at your credit score. If it's high, they're more likely to say yes. Plus, you might get lower interest rates, which means you pay less in the long run.  Interest Rates: A good credit score can mean lower interest rates on loans and credit cards. Lower interest rates save you money, so it's a win.  Renting a Home: Landlords often check your credit score when you apply to rent an apartment. A good score can help you get the place you want.  Utility Bills: Some companies might look at your credit score before deciding if you need to pay a deposit for things like electricity and water.  Job Opportunities: Some jobs, especially those handling money, check your credit as part of the hiring process. A good credit score can make you more attractive to employers.  For those interested, here are 9 Tips to Improve Your Credit Score  Pay Bills on Time: Make sure you pay your bills by their due dates. Set up reminders or automatic payments to help you stay on track. Manage Credit Cards Wisely: Keep your credit card balances low compared to your credit limits. Aim to use less than 30% of your available credit. Pay off your credit card bills in full whenever you can. Mix Different Types of Credit: Having different types of credit, like credit cards, loans, and mortgages, can boost your score. Only open new credit when you really need it. Don't Close Old Accounts: The longer you've had credit, the better. So, avoid closing old credit card accounts, especially if they have high credit limits. Deal with Problems: If you have late payments or debts in collections on your credit report, work on fixing them. Pay off debts in collections and ask creditors to remove them, if possible. Ask for a Credit Limit Increase: If you've been good at paying your credit card bills, consider asking for a higher credit limit. Having a higher credit limit could reduce your total credit utilization, which can help your credit score. Be Careful with New Credit Inquiries and Too Many New Accounts: Every time you apply for new credit, it leaves a mark on your credit report. Too many marks can hurt your score, so be careful about applying for credit often. Likewise, opening lots of new credit accounts in a short time can worry lenders and lower your score. Only open new accounts when you need them. Check Your Credit Report Regularly: Dispute any errors you find in writing to all three credit bureaus. You'll want to include the credit bureau's dispute form as well as any supporting documentation and be sure to keep copies of everything you send. You can find sample letters and more information about how to file a credit dispute in an article from the Federal Trade Commission (link will be in the show notes.)  Stay Alert for Signs of Identity Theft: All the work you do to improve your credit score could be thwarted by someone who has stolen your personal identifying information to take out loans in your name. Review your credit report and watch for any signs of identity theft to ensure your credit score is impacted by only your own financial behavior. If you find evidence of identity fraud in your credit report, remember, we can help. Members with a Triangle Better Checking account with IDProtect, have access to Identity Theft Resolution Advocates who are standing by to dispute fraudulent activity that might damage their credit standing.      Build a Credit Score Without Debt  Young adults and those who have never had a need for credit may not want to go into debt but want to build their credit score. Here are a couple of ways that you can build your credit score without debt.  Apply for a credit-builder loan, which places the money you borrow into a certificate of deposit (CD) or savings account that you can claim after making 12 monthly payments.   Apply for a secured credit card, which gives you a line of credit that is backed by a cash deposit.  Remember, with your Better Checking account, you are entitled to receive convenient access to your TransUnion® credit score monthly. Your score is tracked on a timeline to help identify unexpected changes in your score's movement that could indicate identity theft.  Plus, with a Better Checking account, you have access to your annual credit report. Visit our Better Checking dedicated site to access your benefits of download the TCU Better Checking app for convenient access on the go.  If there are any other tips or topics you would like us to cover, let us know at tcupodcast@trianglecu.org. Like and follow our Making Money Personal FB and IG page and look for our sponsor, Triangle Credit Union on social media to share your thoughts.   Thanks for listening to today's Money Tip Tuesday and check out our other tips and episodes on the Making Money Personal podcast.   Have a great day! 

As the U.S. government shutdown delays key economic data, the Equifax Advisors team steps in with deeper insights. Host Emmaline Aliff is joined by Jesse Hardin, Tom O'Neill, and Maria Urtubey to unpack the indicators that matter most when visibility is limited—and to debut the Market Pulse Index, a new holistic measure capturing the intersection of credit, income, assets, and financial behavior across populations.Economist Justin Begley of Moody's Analytics delivers our macroeconomic update.In this episode: What is the Market Pulse Index?The Market Pulse Index is a new measure developed by Equifax Advisors that combines multiple financial dimensions—credit performance, income, debt, assets, and affluence—into one holistic view of consumer and market health. It helps lenders and policymakers understand economic conditions beyond single metrics like CPI or GDP.Why is the Market Pulse Index important right now?With the U.S. government shutdown delaying key data releases, traditional indicators such as the jobs report and GDP updates are unavailable. The Market Pulse Index fills this gap by integrating real-time, multi-source data to reveal trends in affordability, financial durability, and consumer well-being.How does the Market Pulse Index differ from other metrics like CPI or GDP?Unlike single-dimension indicators, the Market Pulse Index combines hard data (credit, income, assets) and soft data (consumer sentiment) to provide a multi-layered view of economic conditions. It can reveal disparities across populations, regions, and credit tiers—helping decision-makers identify who's thriving and who's struggling.What is the K-shaped economy and how does it relate?The K-shaped economy describes uneven recovery patterns—where high-income consumers see wealth gains while lower-income groups face rising debt and affordability challenges. The Market Pulse Index captures these differences, offering a clearer picture of financial resilience across demographic groups.How can lenders and businesses use the Market Pulse Index?Organizations can use the Market Pulse Index to:Track aggregate consumer health across income, geography, and age groupsIdentify emerging credit risks and opportunitiesAdjust lending and pricing strategies based on holistic insightsImprove risk management and marketing segmentationIf you have questions or suggestions for future podcasts, please reach out to riskadvisors@equifax.com.

Choosing the right realtor and lender is the most important decision of your entire home-buying journey. In this foundational step of the How to Buy a Home Starter Kit, David Sidoni reveals how to build your real estate “dream team” — one that guides, protects, and empowers you from day one. This episode exposes the industry myths that keep first-time buyers confused and shows you how to find professionals who work for you, not just the deal.SynopsisMost first-time buyers think their realtor's job is to find a house and write an offer, and their lender's job is to get them the lowest rate. Wrong. In this episode, David breaks down the truth about what real estate and mortgage professionals are really supposed to do — act as your advocates and educators long before you ever start touring homes.You'll learn why finding your guides early is the #1 shortcut to buying with confidence and saving money in the process. David walks through the “red flags” that signal you're working with an order-taker instead of a true advisor, explains how fees really work (even after the 2024 NAR lawsuit), and shows you exactly what to look for in a first-time–buyer–friendly realtor and lender.This episode is all about mindset — shifting from “I can figure it out on my own” to “I deserve a team that helps me win.” You'll walk away knowing how to interview potential agents and lenders, how to spot true advocates who will guide you through every step, and why this early investment of time can make or break your success as a homebuyer.Quote“You don't have to do all the planning on your own — that's the number one thing that will make or break your home-buying dreams.”HighlightsWhy Step 2 is the most important step in the 10-part homebuying processThe truth about what your lender and realtor actually doHow to avoid “door-openers” and “order-takers” who only chase transactionsThe real story behind agent fees after the 2024 NAR lawsuitHow early education with the right guides multiplies your buying powerThe mindset shift that turns confusion into confidenceRed flags to avoid when choosing your real estate teamWhat to look for in a first-time–buyer–focused realtor and lenderWhy spending 10x more time researching your team is worth itThe “personal Yoda” principle — why long-term guidance creates better outcomesReferenced Episodes[Ep. 5] The Biggest Dirty Little Secret in Real Estate[Ep. 164] START HERE: 10 Steps to Buying Your First Home[Ep. 169] Woman Power: This Single Woman Bought Her First Home[Ep. 229] What Is a Unicorn Real Estate Team?[Ep. 339] Don't Get Pre-Qualified—Get a Plan (Interview)[Ep. 340] Down Payment Assistance, Discovery Calls & Lending Myths (Interview)[Ep. 382] 2025 Crucial Housing Market Shift Pt. 1: Rates[Ep. 383] 2025 Crucial Housing Market Shift Pt. 2: Sales, Inventory & Affordability[Ep. 384] 2025 Crucial Housing Market Shift Pt. 3: Rent Math & Buying Power[Ep. 388] The Playbook Vol. 1: The Rent Replacement Strategy[Ep. 389] The Playbook Vol. 2: Your Last Lease EverConnect with me to find a trusted realtor in your area or to answer your burning questions!Subscribe to our YouTube Channel @HowToBuyaHomeInstagram @HowtoBuyAHomePodcastTik Tok @HowToBuyAHomeVisit 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 two decades 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.

This episode was recorded live during last week's MX Money Experience Summit in Park City, Utah. During the event, I had the chance to sit down with Brian Reshefsky, founder and CEO of cashflow analytics platform EDGE, and Matt West, chief revenue officer of open banking infrastructure company MX. We had the chance to discuss:* What makes EDGE unique among cashflow analytics platforms, including its ability to help lenders make better use of their first-party data* How EDGE works with open banking data companies like MX to power a variety of use cases across the borrower lifecycle, from customer marketing to underwriting and servicing* How cashflow data helps lenders better understand risk across the credit spectrum* Why EDGE decided to structure itself as a credit reporting agency and what that means for lenders using its data* and more! Get full access to Fintech Business Weekly at fintechbusinessweekly.substack.com/subscribe

Thursday's “What's Buggin' You” segment for 10-09-25

 Looking for the best mortgage rates in 2025? Whether you're buying your first home or refinancing, I'll show you how to compare 30+ lenders with one application and one credit pull — saving you time, money, and stress. ✅ Start Here

In this episode, Ashkán Zandieh from CRETI, the Center for Real Estate Technology & Innovation, joins us to talk about how misaligned interests between owners, managers, and lenders—known as the principal–agent problem—impact real estate. We also explore how technology, from AI-enabled property management platforms to real-time financial reporting tools, is reshaping those dynamics. To learn more about CRETI, visit creti.org. Welcome to the podcast, Ash.Find knowledge for the dynamic world of real estate management at irem.org.

In this episode of the Investor Fuel Podcast, host Michelle Kesil interviews Nate Cater, who discusses his innovative platform that serves as an escrow alternative for private money lenders. Nate shares his journey in the finance and lending industry, the challenges he faced in creating his business, and the importance of educating clients about the future of lending, especially in light of emerging technologies like blockchain. He emphasizes the need for transparency and adaptability in the lending space, as well as the significance of building strong relationships with clients. The conversation concludes with insights on user experience and how potential clients can easily onboard to the platform.   Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:  Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership:  Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true ‘white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright:  Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a “mini-mastermind” with Mike and his private clients on an upcoming “Retreat”, either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas “Big H Ranch”? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform!  Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------

India's fintech-based NBFC lending sector offers many lessons. Three early pioneers—Capital Float (now Axio), Zestmoney, and Lendingkart—raised significant amounts of venture capital, built solid momentum, and achieved growth and penetration. They pivoted, explored multiple opportunities, and yet, ultimately had to sell out. In this episode of Two by Two, co-hosts Rohin Dharmakumar and Praveen Gopal Krishnan are joined by guests Shivashish Chatterjee, co-founder of DMI Group, and Arundhati Ramanathan, The Ken's deputy editor. Together, they discuss the business models of these lenders—including balance sheet lending and the rise of “buy now, pay later”—and what lessons can be learned for the future of India's fintech lending ecosystem.This episode of Two by Two was mixed and mastered by Rajiv CN, our resident sound engineer.If you liked this episode of Two by Two, please share it with your friends, colleagues, and anyone else who might be interested. And if you have thoughts on the discussion, write to us at twobytwo@the-ken.com. We'd love to hear from you.Additional readingAxio—a fintech dream comes to an end https://the-ken.com/kaching/axio-a-fintech-dream-comes-to-an-end/

#BuyingABusiness #ProprietarySearch #Entrepreneurship #SmallBusiness #BusinessAcquisition ***New Video Alert! Forbes magazine shares a secret that increases your odds of getting an interview by 115%. AND- it applies directly to those looking to buy a business as well. Check it out in this week's new video: https://youtu.be/5Nt8QvY1hX4 Cheers See you over on YouTube David C Barnett #smallbusiness #mergersandacquisitions #M&A Get a job in a business you want to buy: https://youtu.be/oTObbWYtkl0 * CHAPTERS 00:00 Introduction 01:20 Why Buying a Business is Like Job Hunting 03:30 The Forbes Article | Tailored Resumes & ATS Filters 06:10 Parallels Between Job Search & Proprietary Business Search 08:00 First Impressions & The Buyer Resume 11:00 Gatekeepers, Brokers & Getting Ghosted 13:00 Clarity and Focus in Your Business Search 16:30 Why “Spray and Pray” Doesn't Work 20:00 Standing Out in a Crowded Buyer's Market 22:30 Defining Your Ideal Business Profile 25:00 Building Credibility with Sellers & Lenders 28:30 Avoiding Common Pitfalls in Outreach 31:00 Case Study | Hiring My Own Analyst 34:00 Tailored Outreach vs. Mass Emails 37:00 Lessons from John Bly & CPA Firm Acquisitions 40:00 Practical Steps for Proprietary Search Success 44:00 Building Sales & Business Experience Before Buying 47:00 How to Customize Your Buyer Pitch to Sellers 50:00 Why You Must Impress Business Owners First 53:00 Wrapping Up | Job Search Lessons for Business Buyers 56:00 Resources for Buyers & Sellers | BusinessBuyerAdvantage.com #BuyingABusiness #Entrepreneurship #BusinessAcquisition #SmallBusiness #ProprietarySearch #BusinessBuyerAdvantage #EntrepreneurshipTips #DealMaking #BusinessGrowth #ExitStrategy #businessstrategy ** - Join David's email list so you never miss any new videos or important information or insights, RECEIVE 7 FREE GIFTS!!- https://www.DavidCBarnettList.com **** Do Business with David using these incredible internet links... - David's Blog where you can find hundreds of free videos and articles, https://www.DavidCBarnett.com - Book a call with David and let him help you with your project, https://www.CallDavidBarnett.com - Learn how to buy a successful and profitable business in a risk-controlled way https://www.BusinessBuyerAdvantage.com - Get help selling your business, https://www.HowToSellMyOwnBusiness.com - Get better organized in your business, https://www.EasySmallBizSystems.com - Learn to make better cash flow forecasts and write incredibly effective business plans from scratch!, https://www.BizPlanSchool.com - Learn to build an equity asset with insurance! visit https://www.NewBankingSolution.com -Did you sign up for an expensive Merchant Cash Advance for your business and now struggle to make the payments? Find out how you can negotiate your way out at https://www.EndMyMCA.com

Making all-cash offers is an incredible tool for investors, but it can be hard to do if you don't have the cash to back it up.Luckily, there are ways to make all-cash offers even if you don't have the cash on hand. One way is to get a Proof of Funds letter. It is a document that shows the seller that you have the funds available to purchase the property.Brent Daniels has three simple and effective ways to get your hands on a Proof of Funds letter that will help you make more offers.For more winning strategies, check out the TTP Training Program.---------Show notes:(0:54) Beginning of today's episode(1:52) Hard money starts with a group of wealthy people.(3:29) Hard money Lenders are in business because they want to lend money.(4:12) Reach out to hard money lenders and ask for "proof of funds."(5:45) Having a local hard money proof of funds is more powerful than having more of a national brand.(9:18) It is so powerful to be able to offer motivated property owners a "cash as-is" offer.----------Resources:Double Closing Best Transactional Funding To speak with Brent or one of our other expert coaches call (281) 835-4201 or schedule your free discovery call here to learn about our mentorship programs and become part of the TribeGo to Wholesalingincgroup.com to become part of one of the fastest growing Facebook communities in the Wholesaling space. Get all of your burning Wholesaling questions answered, gain access to JV partnerships, and connect with other "success minded" Rhinos in the community.It's 100% free to join. The opportunities in this community are endless, what are you waiting for?

Click Here for the Show Notes In this episode, the conversation centers around the strategic use of leverage in real estate investing, particularly when navigating a 1031 exchange. Many investors express concerns about taking on debt, but the discussion highlights how properly structured leverage can actually enhance returns, accelerate portfolio growth, and maximize the use of available capital. The episode explains how leveraging properties allows investors to spread funds across multiple assets, creating greater opportunities for appreciation, cash flow, and long-term wealth — all while tenants effectively pay down the loans. It also sheds light on how inflation plays to the investor's advantage over time and why lenders, surprisingly, often get the weaker end of the deal. The importance of working with knowledgeable lending partners who act as strategic consultants — not just rate providers — is emphasized as a critical part of building a sustainable, profitable real estate business. If you're ready to rethink how you use debt and want to learn how to grow your portfolio with confidence, tune in now and take the next step toward smarter, more powerful investing. -------------------------------- Interested in speaking with Aaron? Click here to get connected! -------------------------------- Download your FREE copy of:  The Ultimate Guide to Passive Real Estate Investing. See our available Turnkey Cash-Flow Rental Properties. SUBSCRIBE on iTunes   If you missed our last episode, be sure to listen to TBT: Ask Marco - Real Estate Newbie! What Properties and Markets for a First Time Investor? Our team of Investment Counselors has much more inventory available than what you see on our website.  Contact us today for more deals. -------------------------------------------------------- #LearningRealEstate #AskMarco #PassiveRealEstateInvesting #Turnkeyproperties #RealEstatePodcast #Investment #investors #RealEstateInvestors #RentalProperties #TurnkeyProperties #NoradaRealEstateInvestments

Have you ever wondered what happens to your debts when you're gone? Many assume obligations simply vanish, but the truth is more complicated. Without a plan, your loved ones could face creditors, confusion, and unnecessary heartache. Let's explore how debt is handled after death—and the steps you can take now to protect your family.Different Types of DebtNot all debts are treated the same after death.Secured Debt: These are tied to assets such as homes or cars. If you pass away with a mortgage, the heir who inherits the property also inherits the payments. Without the ability to pay, foreclosure or repossession is possible. Unsecured Debt: Credit cards and personal loans fall into this category. Unless someone is a joint account holder, heirs aren't responsible. However, creditors can claim repayment from your estate before anything goes to heirs or charities.Special Cases: Student and Medical DebtStudent Loans: Federal student loans—including Parent PLUS loans—are discharged at death. Private student loans vary: some lenders forgive, others pursue repayment from the estate or co-signer. Medical Debt: Providers sometimes write off smaller balances, but they aren't required to. With rising healthcare costs, debts can be substantial, draining family assets quickly.Protected AssetsSome resources are shielded from creditors:Life insurance proceedsRetirement accounts with named beneficiariesThese bypass the estate entirely and go directly to heirs. But accuracy matters—outdated beneficiary forms can unintentionally disinherit a spouse or child.Other Important ConsiderationsCommunity Property States: In states like Texas, California, and Arizona, marital debts are often shared. Surviving spouses may be held responsible for balances they didn't incur. Co-Signed Loans: Parents, grandparents, and friends often co-sign loans without realizing they'll be responsible if the other borrower passes away.Planning AheadBecause the rules vary, consulting an estate attorney is wise. A one-time meeting can prevent years of stress later. But the best protection is simple: live with as little debt as possible. By building margin and reducing obligations, you bless your family with both financial relief and a legacy of stewardship.Practical steps include:Reviewing accounts regularlyUpdating beneficiariesPaying down debtsOrganizing important recordsCreating a will or trustProverbs 13:22 tells us, “A good person leaves an inheritance for their children's children.” That inheritance is about more than money—it's about modeling wisdom, integrity, and trust in God's provision. By stewarding your finances well today, you not only provide a cleaner path for your loved ones tomorrow but also leave them with a testimony of faith that points them back to Christ.On Today's Program, Rob Answers Listener Questions:My grandfather set up 529 plans for my kids years ago. When my older children graduate, can I use any leftover money for my younger daughter's education? And eventually, could I split the remaining funds among all my kids?I'm the Power of Attorney for my 92-year-old mother, who has regularly helped my two sisters financially. I'd like to set up automatic monthly gifts of $1,500 to each of them to stay under the annual gift tax limit. I'm also retired and considering using some of her funds to help with my grandchildren's college expenses. Is that ethical?I'm 71 and have been doing Roth conversions for the past two years. I opened a Roth account six years ago. Can I now withdraw money from those conversions without being restricted by any time limits?I'm 63 and have about $200,000 in a 401(k) from a former employer. I'd like to move it into a biblically aligned investment, but my current plan administrator says I can't. What options do I have?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Timothy Plan | Eventide Asset Management | OneAscentZillowWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook 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. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

#584 Think you know it all when it comes to first-time home buying? Think again! In this episode, host Brien Gearin is joined by real estate expert and first-time homebuyer advocate David Sidoni, founder of How to Buy a Home. David shares his journey from showbiz to real estate, his mission to help underserved first-time buyers, and the misconceptions that hold many back — like the myth that you need 20% down. He also breaks down how self-employed entrepreneurs can navigate home buying, the impact of recent real estate commission changes, and why working with the right team is critical. Whether you're a future homebuyer or just love smart business insights, this episode is packed with eye-opening advice! (Original Air Date - 2/10/25) What we discuss with David: + Myth: You need 20% down – Not true for first-time buyers + Debt-to-income explained – Lenders assess monthly payments, not total debt + Entrepreneurs & mortgages – Self-employed buyers need strategic planning + Start earlier than you think – Many buy months sooner than expected + First-time buyers are ignored – Most agents prioritize higher-value clients + Scaling a niche business – How David built a national agent network + NAR lawsuit impact – Buyer commissions remain mostly unchanged + Renting vs. buying costs – Long-term financial growth matters + Choosing the right team – A great realtor & lender are key + From showbiz to real estate – David's journey to homebuyer advocacy Thank you, David! Check out How to Buy a Home at ⁠HowtoBuyaHome.com⁠. Listen to the ⁠How to Buy a Home Podcast⁠. Follow David on ⁠Instagram⁠, ⁠LinkedIn⁠, ⁠TikTok⁠, ⁠Twitter⁠, and ⁠YouTube⁠. Watch the ⁠video podcast⁠ of this episode! To get access to our FREE Business Training course go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠MillionaireUniversity.com/training⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. And follow us on: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Facebook⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Tik Tok⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Youtube⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Twitter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ To get exclusive offers mentioned in this episode and to support the show, visit ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠millionaireuniversity.com/sponsors⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Want to hear from more incredible entrepreneurs? Check out all of our interviews ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠! Learn more about your ad choices. Visit megaphone.fm/adchoices

RUN, Don't Walk: Why New Jersey Foreclosures Are a Trap for Note Investors!

Click Here for the Show Notes In this episode of Passive Real Estate Investing, guest host Melissa Nash welcomes back fan-favorite and top investor-friendly lender, Aaron Chapman, for a no-fluff conversation every new (and seasoned) investor needs to hear. They dive into the #1 question investors ask lenders, why lenders ask for "so much paperwork," and how to avoid last-minute closing chaos. Aaron also breaks down what appraisers really look for, how to handle low appraisals, and why your lender is actually your business partner—not your enemy. Whether you've bought zero doors or five, this episode is packed with practical advice, real-world insight, and the mindset shift investors need to scale with confidence.