Podcasts about lenders

#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?

Weren't Interest Rates Supposed To Come Down? well...actually...they did right before the Fed Meeting announcement of a .25% rate drop on September 17 but the market had already priced in that .25% anticipated rate drop so when the Fed chose to stick with the that and not get more aggressive with a .50% drop the market went in the only direction that it could which was a slight rise in rates in the days after now before everyone goes off the deep end I think we are all gonna be alright rates are near the lowest that they have been in the last year and its very likely that the Fed will reduce rates again twice more before the end of the year watch for a .25% rate drop in October 28-29 and again December 9-10 that should casuse rates to be in the 5.875% range  which we have been forecasting on this podcast for the past year if you are the gambling type and trying to time the market for the lowest possible rate keep a close eye on things right before the next Fed Meeting if you believe that the same thing will happen as last week where the rate drop was followed by a slight bump up that would be your sweet spot to lock in for most people - the idea of rates in the low 6's is welcome news and very few will attempt to time the market this could very well lead to new inventory hitting the market as the gap between the mortgage rates for home purchased in the last 5-10 years is narrowing with the current rates available most of the leading indicators are showing that rates will continue to drop tune in to today's show for the down and dirty details    

Is your mortgage business leaving money on the table? In this powerful episode of the FinTech Hunting Podcast, tech innovator and AI evangelist Tim Nguyen, Founder & CEO of BeSmartee, returns with a game-changing conversation on application abandonment—the overlooked metric that could be silently draining your profits.Hosted by industry expert Michael Hammond, this episode unpacks:Why the “camel business” analogy defines the mortgage industryThe hidden impact of low app-start-to-submit conversionsHow just a 10% improvement in application conversion can generate 14% more top-line revenueWhether the root problem is tech, people, or process—and how to fix itWhat lenders must start measuring today to survive the next market shiftReal advice on simplifying borrower journeys for better profitabilityHow BeSmartee customers are winning by using data to eliminate frictionPlus: Tim drops some surprising truths about what loan officers should stop doing with online applications—and how to turn every borrower interaction into a closed loan.Where to catch BeSmartee next:Tim shares where his team will be this conference season—including MBA Annual, ACUMA, and an exclusive AI Summit in Dana Point. Whether you're a lender, tech executive, or loan officer focused on growth, this episode will shift how you think about profitability, process, and performance.Don't just ride the next wave in mortgage lending—be ready to drink the water first.Subscribe to FinTech Hunting for weekly interviews with the biggest minds in mortgage, fintech, and financial services.Want to learn more about how BeSmartee is solving the abandonment gap? Connect with Tim at tim@besmartee.com

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.

Retail sales are still surprisingly strong Although the labor market has been softening and consumers say they are worried about inflation, people are still spending money. August retail sales were up 5% compared to last year and if the annual decline of 0.7% in gasoline stations was excluded, sales would have increased 5.5% compared to last August. Strength was broad based in the report and outside of gasoline stations the only other major categories that saw declines were department stores where sales were down 1% and building material & garden equipment & supplies dealers, which fell 2.3%. Non-store retailers continued to be a dominant category as sales climbed 10.1% and food services and drinking places still saw impressive growth of 6.5%. It's because of reports like this that I worry the Fed may make a mistake if they cut rates too quickly. If they overstep, they run the risk of overheating the economy and putting added pressure on inflation.    Are quarterly reports necessary for public companies? President Trump floated the idea of switching company reports from quarterly to semiannual. It appears Trump believes this will help companies focus more on the long-term business performance rather than fixating on short-term quarterly numbers. There's also hope this will save time and money for public corporations. The SEC acknowledged they are actively looking into the plan as a spokesperson for the agency stated, "At President Trump's request, Chairman [Paul] Atkins and the SEC is prioritizing this proposal to further eliminate unnecessary regulatory burdens on companies." Being a long-term investor, I can see the benefits of changing this requirement as one quarter should not dictate your decision on whether you should buy, sell, or hold a business. Ultimately, a change like this wouldn't have a real impact on my investment philosophy and if this enabled companies to focus more on the long term and helps with costs, I would be in favor of giving companies the option to make this switch. In terms of the long-term focus, both Jamie Dimon and Warren Buffett have spoken out against not necessarily the quarterly reports, but the quarterly guidance. In a 2018 op-ed piece for the Wall Street Journal, the pair said, “In our experience, quarterly earnings guidance often leads to an unhealthy focus on short-term profits at the expense of long-term strategy, growth and sustainability.” As for the regulatory burden, I'm sure there is hope this would help entice companies to come public. There has been a huge shift in companies staying private longer and I do believe the compliance piece deters some from coming public. I'm sure there are other reasons for staying private, including control and other liquidity avenues that weren't as prominent years ago. Nonetheless, it is concerning that the number of publicly listed companies in the U.S. has fallen from more than 7,000 in 1996 to around 4,000 today.    Is your financial advisor "quiet retiring"? You may not completely understand what “quiet retiring” means, but a few years ago, my son Chase and I were on the Dr. Phil Show because they were doing an episode on what they called “quit quitting”. Chase and I were on the pro side for business and working hard, while the other side essentially felt they should still get paid the same amount and not work hard. So, I have coined the phrase, “quiet retiring”. I have been seeing this happen in the financial service industry, especially considering the fact that the average US financial advisor is 56 years old. I have noticed more of them feel they deserve to play more golf or travel more than the average person since they seem to be in retirement mode. They are not telling their clients this and they have their admin staff handle most of the routine details so you, the client, really don't know that they are not working that much behind the scenes. Hence the term "quiet retiring". Something you definitely should find out is how much your financial advisor is working? Especially if they're in their mid to late 50s because you may not have the person with the most experience watching your investments. This is very important when it comes to preparing for and weathering through difficult times. If your financial advisor is talking about retiring in the near future, be sure to understand fully what the succession plan is and who you will be dealing with. It has now been known in the industry for a few years that the average age of financial advisors is getting older and less younger advisors are coming into the industry. Be sure you understand who your financial advisor really is, who is watching your portfolio and is your investment advisor one of those that is quiet retiring?   Understand the risk of low rated bonds Some investors rightly so have started selling some stocks and they are not excited about buying more stocks at this time. As we've been saying for quite a while now, we think this is a wise move to sell some stocks that are overpriced, but unfortunately, it seems investors got used to the high returns and they have turned to low rated high-yield bonds. According to JPMorgan Chase, issuance of junk rated bonds and loans hit a monthly record of $240 billion in July. In 2025, $930 billion has been raised through junk bonds and loans. Add that to the over $1 trillion in junk bonds from 2024 and you can see that the risk for investors is starting to increase. Most investors will not buy these individual junk bonds, but they have been plowing money into the high yield mutual funds and exchange traded funds, also known as ETFs. If you dig a little bit deeper, you find some companies are raising money foolishly like a company called TransDigm Group. The company issued nearly a $5 billion high yield bond in August to pay a dividend to their shareholders. We like companies that pay dividends, but it should be from cash flow not from borrowing money that has to be paid back. Business development companies are also back in the news, and these businesses make private loans to small and midsize companies. Over the 12-month period ending in June, private loan activity increased by 33%. I have similar concerns with business development companies and private credit, which I believe will have a crash sometime in the future and cost investors more money than they anticipated. The current default rate on higher yield bonds is 4.7%, which is not bad, but it is not good either. If interest rates on the long end were to increase, which I think is a good possibility the need for debt increases. This could slow the economy and cause some of these smaller companies that have these high-yield loans to default and file bankruptcy, which means investors would lose money. It is nice to get a 10 to 20% return on your portfolio, but sometimes when things are expensive, you have to be conservative and while that may cost you some of the upside, the downside can be a lot nastier than you realize!   Financial Planning: Dealing with underwater cars About a quarter of vehicles traded in today carry negative equity, with the average shortfall around $6,500. This happens because cars depreciate quickly, and the trade-in value offered by a dealership is the lowest number you'll see—less than what you might get in a private sale, and well below the dealer's eventual resale price.  Because of this depreciation, about 40% of financed vehicles on the road carry negative equity. While it's possible to roll negative equity into a new auto loan, that often creates a deeper hole: you're financing more than the car is worth, and the new vehicle immediately begins its own depreciation cycle. Lenders may approve the loan, but the higher loan-to-value ratio can lead to higher interest rates or tighter terms. GAP insurance can be used to cover the difference between a car's actual value and what's owed in the event of a total loss, but it doesn't prevent the financial strain of trading in too early, and it comes with an extra cost. With so many vehicles underwater, the safer move for most people is to keep driving the current car until the balance catches up with its value rather than trading in and compounding the problem or bring more cash to the deal, so you don't have to finance as much.   Companies Discussed: Zillow Group, Inc (Z), Workday, Inc. (WDAY), Lyft, Inc. (LYFT) & Synopsys, Inc. (SNPS)

Host Jesse Hardin sits down with Stephanie Gunselman, head of Federal Government Relations at Equifax, for a wide-ranging look at how Washington is shaping the future of lending and credit reporting. From a cooling labor market and inflation to evolving priorities at the CFPB, they explore the latest legislative and regulatory developments — including open banking, data privacy, AI governance, medical debt rules, and more. Whether you're a lender, policy watcher, or data-driven strategist, this conversation will help you prepare for the policy shifts that could impact your business in 2025 and beyond.Economist Justin Begley of Moody's Analytics delivers our macroeconomic update.

Predatory lending practices are not new. Think salary buying and loan sharks of the late 19th and early 20th centuries.But the modern version was born in the 1990s right here in Tennessee. Sometimes called "payday loans," many who use the service are in a financial crisis and need quick cash — often leading to a trap of high interest debt. Today we speak with Tennessee Lookout reporter Adam Friedman, who along with ProPublica, uncovered the scale of this lending model, the hidden dangers of the latest version called the "Flex Loan," and the toll the practice has taken on Tennesseans.  Note: We reached out to Advance Financial. A representative declined to come on the show. Anyone with issues related to Advance Financial, Harpeth Financial or another flex loan lender should call 615-270-6861 to share their experience.This episode was produced by Mary Mancini.Guests:Adam Friedman, reporter, Tennessee LookoutErin Akery, senior manager, Nashville Financial Empowerment Center at United WayRep. Mike Sparks, Tennessee General Assembly, District 29, part of Rutherford CountyMike Stewart, former state representative; attorneyFurther reading and listening: This lender said its loans would help Tennesseans. It has sued more than 110,000 of them. (Tennessee Lookout) Tennessee lawmakers and lenders said this law would protect borrowers, but it trapped them in debt (Tennessee Lookout) NashVillager Podcast: Predatory lending (WPLN) Usury Country: Welcome to the birthplace of payday lending (Harper's)

#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

Tired of filling out multiple applications and taking multiple credit hits just to shop for the best mortgage rate? In this live event, I'll show you how to: ✅ Compare offers from 30+ mortgage lenders at once ✅ Use just 1 application to save time and stress ✅ Get it all done with only 1 credit pull — protecting your score Whether you're buying your first home, refinancing your current mortgage, or just keeping an eye on rates, this method puts you in control of your loan shopping. No more confusion, no more wasted time — just side-by-side comparisons that can save you thousands.

In this episode, I chat with Chad Harris, a former missionary turned full-time real estate investor, who's quietly mastered the art of building a rental portfolio without ever using traditional bank financing. Chad walks us through how he raised millions in private money—starting with zero savings and a $2K/month income—and why less interest is actually more attractive to lenders.From structuring win-win deals to understanding what private lenders actually want, Chad breaks down his strategy with a calm, no-hype approach that cuts through the noise. If you've been scared to ask for money, or you're stuck using your own cash, this episode will completely change how you think about raising capital.[Timeline Summary][0:00] – Introduction[1:01] – Why higher interest rates actually scare off private lenders[2:06] – Chad's journey from rural Kenya missionary to real estate investor[3:33] – No savings, no job, no bank—but a vision that convinced others to fund him[4:32] – Helping others become investors through lending[6:12] – Where to find private lenders (hint: they're everywhere)[8:21] – Why 6–8% is a gift to most retirees and stock investors[9:18] – The 3-part pitch Chad uses every time to start the private money conversation[11:08] – 37+ places to find lenders (free resource)[12:17] – Why Chad chose rentals over flips or wholesale[14:10] – How he generated cash at acquisition and refinance without using banks[17:03] – The turning point: when cash flow pressure finally eased up[18:22] – The lender mindset shift: lower rates = lower risk = more money raised[22:10] – The case for 10-year, interest-only loans[25:05] – How to work with Chad or learn more from him directly5 Key TakeawaysHigher interest ≠ more money. Lenders see high rates as high risk. Lowering rates actually increased Chad's capital access.Private money is everywhere. Most people don't know they can be lenders—until you show them how.Longer terms, less chaos. Chad now uses 10-year, interest-only loans to reduce stress and balloon headaches.Start with your story. Use a simple “why, what, how” pitch to build interest and trust with new contacts.You don't need a bank. Chad built an 80-door portfolio using only private and seller financing—and teaches others how.Links & ResourcesFree guide: 37+ Places to Find Private LendersLearn more or work with Chad: TrueWealthInvestors.comNeed financial clarity in your business? SimpleCFO.comEnjoyed this episode? Don't forget to follow, rate, and review the show—and share it with someone who thinks they need a bank to build wealth.

 The REVISED Jobs Report just dropped—and the numbers are shaking Wall Street, Main Street, and the mortgage market. What does this mean for your investments, your 401(k), and your mortgage rate? In this live stream, we'll break it all down: ✅ Why the REVISED jobs data shocked the markets ✅ How mortgage rates could react in the days ahead ✅ The Fed's next move — rate cuts or more uncertainty? ✅ The best investment strategies you can make right now Whether you're a homeowner, homebuyer, or investor, this is the breakdown you need to stay ahead of the curve.

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

Billy English of Bible and Business and OnPath Coaching looks at the issue of debt, the exploitation of payday lenders, and also about what the Bible says about debt and debt forgiveness.  Vaneetha Risner addresses the hard topic of parental and familial estrangement.  Do you know why it happened to you?  How do you move forward?  Faith Radio podcasts are made possible by your support. Give now: Click here

This week, host Hal Humphreys sits down with Nathan Funston of The Federal Savings Bank to unpack the pros and cons of AI in the valuation process. Nathan shares insights from his recent Valuation Expo presentation, covering the biggest opportunities for efficiency and consistency, as well as the risks and pitfalls appraisers need to be watching closely. Plus, he tells the story of a wild appraisal addendum that recently crossed his desk and offers a lender's perspective on what appraisers could do to make their reports stronger.At The Appraisal Buzzcast, we host weekly episodes with leaders and experts in the appraisal industry about current events and relevant topics in our field. Subscribe and turn on notifications to catch our episode premieres every Wednesday! You can find the video version of this podcast at http://www.youtube.com/@TheAppraisalBuzzcast or head to https://appraisalbuzz.com for our breaking news and written articles.

#90: Welcome to The Lender's Playbook episode 90!,  I'm your host, [Your Name], and today we've got a very special episode. But first a quick yet timely announcement!The American Lending Conference is just around the corner—next week, September 3rd–4th at the beautiful Green Valley Ranch in Las Vegas. This national event is where lenders, brokers, investors, and industry experts come together to connect, learn, and grow.In today's episode, we're joined by Chris Donovan from Doss Law, who will be taking the stage at the conference to share some powerful insights on multi-state expansion and the legal strategies lenders need to know. We'll talk about the challenges, the risks, and the smartest ways to grow your lending business with the right structure in place.So, whether you're attending the conference or just tuning in from home, you're going to walk away with real, practical advice you can apply right away. Let's jump in.”

Equifax Advisors Maria Urtubey, Emmaline Aliff, Tom O'Neill, Jesse Hardin, and Dave Sojka share what they're hearing directly from Equifax lending customers across industries. From student loan repayment impacts to shifting auto lending dynamics and tariff uncertainty, the team highlights the questions lenders are asking, the insights uncovered in one-on-one advisory sessions, and the recommendations that have resonated most in 2025. Economist Shandor Whitcher of Moody's Analytics delivers our macroeconomic update.What is this episode about?This episode of the Market Pulse Podcast brings together Equifax Advisors Emmaline Aliff, Tom O'Neill, Jesse Hardin, Maria Urtubey, and Dave Sojka to share what they are hearing in one-on-one customer advisory sessions.What are lenders most concerned about in 2025?Advisors discuss the resumption of student loan payments, the ripple effects of tariffs, shifts in auto lending, and how these issues vary across industries such as credit unions, banks, and fintechs.How are customers using Equifax advisory sessions?Advisory conversations allow lenders to bring their own portfolio challenges to the table and get tailored insights—turning market data into actionable strategies.

Episode 66:  In this episode, Timalyn continues the discussion begun in Episode 64 about the One Big Beautiful Bill Act.  Timalyn opens up the episode with a reminder of what the One Big Beautiful Bill Act is. Timalyn also warns that this tax year may not be the one where you want to let someone who is not a professional handle your preparation.  Today, she's explaining the car loan interest deduction. If there is any part of this new tax law that you'd like to hear her cover, please let us know. Car Loan Interest Deduction This new deduction is effective for tax years 2025 - 2028.  The vehicle must be purchased new for personal use, and leased on vehicles do not count for this deduction.  The maximum deduction is $10,000. The deduction begins phasing out for single and head of household taxpayers with a modified adjusted gross income of $100,000. That amount doubles to $200,000 for married taxpayers who file jointly. This deduction is not available for taxpayers who are married but file separately.   This deduction is only for qualified vehicles. The vehicle has to have final assembly in the United States. It has to be less than 14,000 pounds, so it can be any of the following: Car Minivan Motorcycle Pick-up truck SUV   To qualify for the deduction, the loan has to have originated after December 31st, 2024, for personal use. Used vehicles do not qualify for the deduction. The loan must also be secured by a lien on the vehicle.  Lenders will be responsible for reporting the interest paid to both the IRS and the taxpayer on an interest statement.    Timalyn warns taxpayers that this is the year they may not want to let a family member who is not a professional handle their taxes. There are a lot of mid-year changes that, if not handled correctly, can lead to tax issues.   To stay up to date with these changes, Timalyn lets listeners know that Tax Tips with Timalyn will be coming back. There will be different paid versions to subscribe to relevant information for individual taxpayers and business taxpayers.   Need Tax Help Now? If you need answers to your tax debt questions, book a consultation with Timalyn via her Bowens Tax Solutions website.  Click this link to book a call. Please consider sharing this episode with your friends and family.  There are many people dealing with tax issues, and you may not know about it.  This information might be helpful to someone who really needs it.  After all, back taxes shouldn't ruin their life either.  As we conclude Episode 65, we encourage you to connect with Timalyn on social media. You'll be able to subscribe to this podcast on Spotify, Apple Podcasts, YouTube, and many other podcast platforms.    Remember, Timalyn Bowens is America's Favorite EA, and she's here to fill the tax literacy gap, one taxpayer at a time.  Thanks for listening to today's episode.  For more information about tax relief options or filing your taxes, visit https://www.Bowenstaxsolutions.com/ .  If you have any feedback or suggestions for an upcoming episode topic, please submit them here:  https://www.americasfavoriteea.com/contact.  Disclaimer:  This podcast is for informational and educational purposes only.  It provides a framework and possible solutions for solving your tax problems, but it is not legally binding.  Please consult your tax professional regarding your specific tax situation.

How Hard Money Lenders SHOULD Finance New Construction Deals - #295 Ground-up construction loans can be some of the riskiest—and most misunderstood—deals in private lending. In this episode of the Private Lenders Podcast, Jason and Chris break down exactly how experienced hard money lenders approach financing new construction projects the right way. After nearly 18 years, thousands of loans, and managing hundreds of defaults, they've learned that the key to success is structuring deals conservatively to minimize risk while still giving borrowers the capital they need to get the job done. You'll learn: ✅ The four biggest risks of new construction lending (day-one exposure, execution, type of lot, and land pricing) ✅ How to structure deals to protect your capital while keeping borrowers vested ✅ Why ground-up deals can actually resemble heavy rehab loans when done right ✅ Real-world examples of loan structures that work (and ones to avoid) ✅ Why experience and borrower “skin in the game” are non-negotiables If you've been hesitant to dive into new construction lending—or want to expand your portfolio safely—this episode will give you a proven framework to get started responsibly. ✅ 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  

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.

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 go through all the latest headlines in mortgage banking. Plus, Robbie sits down with Lenders One's Justin Demola for a discussion on how originator compensation will evolve in the age of the digital mortgage. And we close by previewing Fed Chair Powell's Jackson Hole speech.FHA fall-out borrowers represent untapped market shares that can stabilize your shrinking pipeline. Arrive Home's Earned Equity Program supports these clients on their path to meaningful homeownership. Additionally,  FHA borrowers who don't have the benefit of family assistance are able to qualify using the Nation's leader in DPA. 

Rich Weidel, CEO, Princeton Mortgage. Highlights include: industry profitability challenges; misalignment across the organization; productivity as the key driver of cost; cultural and leadership issues and path forward: transparency and smaller profitable teams. Rich has been recognized as the 2019 Most Admired CEO Award – Philly and National Mortgage Professional Top 40 Under 40.

Brian in joined by Dan Rivers of Synergy Stays to talk about the Short Term Rental Market and if there is till money to be made! Then stick around for special guest Derek Goulette as he talks about the mortgage market and how high rates are affecting Real Estate sells.  Have a real estate need or question? Book a consult with us today! ☎️ (843) 800-0065

Stephen Grootes speaks to consumer ninja Wendy Knowler about misleading grocery SMSes from lenders. In March, an Absa message led thousands of customers to believe that simply changing their payment method would secure them a R500 Pick n Pay voucher. The catch? Only 10 000 vouchers were actually available, leaving many disappointed customers empty-handed. The Money Show is a podcast hosted by well-known journalist and radio presenter, Stephen Grootes. He explores the latest economic trends, business developments, investment opportunities, and personal finance strategies. Each episode features engaging conversations with top newsmakers, industry experts, financial advisors, entrepreneurs, and politicians, offering you thought-provoking insights to navigate the ever-changing financial landscape.    Thank you for listening to a podcast from The Money Show Listen live Primedia+ weekdays from 18:00 and 20:00 (SA Time) to The Money Show with Stephen Grootes broadcast on 702 https://buff.ly/gk3y0Kj and CapeTalk https://buff.ly/NnFM3Nk For more from the show, go to https://buff.ly/7QpH0jY or find all the catch-up podcasts here https://buff.ly/PlhvUVe Subscribe to The Money Show Daily Newsletter and the Weekly Business Wrap here https://buff.ly/v5mfetc The Money Show is brought to you by Absa     Follow us on social media   702 on Facebook: https://www.facebook.com/TalkRadio702 702 on TikTok: https://www.tiktok.com/@talkradio702 702 on Instagram: https://www.instagram.com/talkradio702/ 702 on X: https://x.com/CapeTalk 702 on YouTube: https://www.youtube.com/@radio702   CapeTalk on Facebook: https://www.facebook.com/CapeTalk CapeTalk on TikTok: https://www.tiktok.com/@capetalk CapeTalk on Instagram: https://www.instagram.com/ CapeTalk on X: https://x.com/Radio702 CapeTalk on YouTube: https://www.youtube.com/@CapeTalk567 See omnystudio.com/listener for privacy information.

Spin up digital co-workers that qualify leads, update CRM fields, and send follow-ups but THAT'S NOT ALL — no payroll paperwork. ⏳ Realtors and Lenders—you're being pulled in a thousand directions every single day. Tracking rates, creating content, following up with clients, managing your pipeline… it's impossible to do it all. But what if you didn't have to? This is the future of real estate and lending productivity. Stop chasing. Start leading. Links: https://www.youtube.com/live/1jn_RpbPbEc?si=fZYW0Sf7s8-qLQyp ⭐ JOIN OUR COMMUNITY ⭐ Get the hottest and most up-to-date info in the Real Estate and lending industry! click the link to subscribe today ➡️ https://theREsource.tv/?utm_source=ytd 

Snag a FREE copy of my book, and get connected to the Military Millionaire community on all of your favorite platforms: https://www.frommilitarytomillionaire.com/free-book

Welcome to The Adviser's What's Making Headlines podcast, your go-to source for the week's biggest stories in finance and real estate, distilled into bite-sized insights. Join host Annie Kane, senior journalist Will Paige and commercial content writer Ben Squires as they review the news of the week. This week, they discuss: How long will it take for the July cash rate cut to filter through. The changing broker flows at the major banks. What's driving investor lending growth. And much more!

Many student loan borrowers are falling behind again, and the impact is more than financial.A recent change in federal law has reshaped student loan repayment, and as collections ramp back up, millions are seeing their credit scores drop. If you're feeling the weight of repayment, you're not alone. Neile Simon joins us today with practical steps to help you regain control.Neile Simon is a Certified Credit Counselor with Christian Credit Counselors (CCC), an underwriter of Faith & Finance.Major Changes in Federal Student Loan RepaymentIn early July, sweeping legislation restructured federal student loan repayment options. Borrowers now face only two choices:Standard Repayment Plan: Lasting 10 to 25 yearsRepayment Assistance Plan (RAP): A 30-year plan with payments based on 1% to 10% of the borrower's income, with a minimum of $10 per monthWhile RAP may seem like a helpful tool, the new law eliminated borrower-friendly plans such as the SAVE plan and many income-driven repayment options. For borrowers who are unemployed or experiencing hardship, this is a significant loss. The end of pandemic-era protections, including deferments, has left many unprepared and falling behind.Adding to the challenge, federal collections resumed on May 5, signaling a firm end to COVID-19 relief. The result? A wave of financial instability.The Credit Score CrisisThe fallout from these changes has been swift and painful. According to AP News, in the first quarter of this year alone:Over 2.2 million borrowers experienced a credit score drop of more than 100 points.Over 1 million borrowers experienced a decrease of more than 150 points.This sharp decline has made it difficult for individuals to secure new credit. Car loans, mortgages, and even rental approvals are now being denied. With limited disposable income, many are forced to choose between paying rent, student loans, or credit cards.More people are relying on credit cards just to cover essentials like groceries and gas. It's a cycle that only deepens their debt and financial stress.How Credit Counseling Can HelpWhile Christian Credit Counselors doesn't directly manage student loans, they play a vital role for those overwhelmed by mounting credit card balances. Neely explains how nonprofit credit counseling agencies bring clarity and relief:One-on-One Counseling: Certified counselors review your debt, income, and budgetDebt Management Plan (DMP): Unsecured debts are consolidated into a single monthly paymentCreditor Negotiation: Lowered interest rates (often between 1% and 12%), reduced monthly payments, and elimination of late feesCommitment to Repayment: This is not a loan, bankruptcy, or debt settlement. You repay your full debt—just through a simplified plan.It's a way to honor your commitments while regaining control. And once enrolled, your interest rates remain fixed throughout the program.If you're feeling weighed down by debt, don't wait. Take an honest look at your budget, explore your options, and don't hesitate to reach out for help. You may feel stuck, but there are real solutions—and people who care.Christian Credit Counselors is here to walk with you, offering biblical guidance and practical solutions to help you achieve debt freedom. Visit ChristianCreditCounselors.org to connect with a certified credit counselor today.On Today's Program, Rob Answers Listener Questions:I've paid off my credit cards and car—praise God! Now I'm wondering how to balance my emergency fund and regular savings. How much should I aim for in each?I'm reinvesting the interest from a CD. Since I'm not withdrawing the money, do I still need to tithe on the interest?My wife is turning 65 but hasn't earned enough credits for Social Security on her own. Can she start receiving spousal benefits now—and how will that affect her survivor benefits down the road?I'm debt-free and contributing 15% to my 401(k), but I only have two months of emergency savings. Should I pause my retirement contributions to build up my emergency fund?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Christian Credit CounselorsWisdom 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.

Send us a textGreg sits down with Senior VP of Midfirst Bank Tom Altieri (Mr. Outstanding) and talks about his love of SBA loans and the reasons why it is a key to building wealth for small business Owners, his personal success and involvement with the Phoenix Thunderbirds, which last year raised $20 million for local charities with the largest golf tournament in the world. Sometimes we have guests on industry topics, other times it's people I admire that are friends or family members and/or subjects that I think would benefit subscribers. On this podcast, we had  3 in 1.  He is funny, sincere, entertaining, knowledgeable, humble and excellent at his craft. Hard to not like Tom Altieri. It's not a loan it's a dream. Listen and enjoy. 

On today's episode, Editor in Chief Sarah Wheeler talks with Joe Tyrrell, CEO of Optimal Blue, about some of the best AI use cases he's seeing lenders deploy and other areas where he would be cautious. Related to this episode: Optimal Blue ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠HousingWire | YouTube⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠More info about HousingWire⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Enjoy the episode! The HousingWire Daily podcast brings the full picture of the most compelling stories in the housing market reported across HousingWire. Each morning, listen to editor in chief Sarah Wheeler talk to leading industry voices and get a deeper look behind the scenes of the top mortgage and real estate stories. Hosted and produced by the HousingWire Content Studio. Learn more about your ad choices. Visit megaphone.fm/adchoices

Calm on the Surface, Distress Below: Joe Blackbourn on the State of Sunbelt Multifamily   The Eye of the Storm? When my podcast guest this week, Joe Blackbourn, president and founder of Everest Holdings, stepped in front of a room of ULI members in late 2024, he titled his multifamily market forecast “An Underdressed Weatherman Gets Sent Into a Hurricane.”   The image was evocative – and accurate. Multifamily investors, developers, and lenders had been navigating gale-force winds of rising rates, inflation shocks, and structural cost resets. And yet, as Blackbourn noted in my conversation with him, today the industry still appears eerily calm.   “There's a lot of stormy weather on the horizon, and, like a hurricane, we don't know quite where it's going to land or how bad it's going to be.”   The Invisible Cost of ‘Calm' Core inflation may be retreating, but the real story, Blackbourn argues, is not about the rate of change. It's about the baseline shift.   “Even if we're at just over 2% now, it's still a 30% increase in a very short period of time,” he said, referring to food prices, but with implications for housing as well. Home prices in many U.S. markets, particularly across the Sunbelt, have surged by 30–50% since 2020. That repricing is likely to stick.   “It's really difficult to give that pricing back,” he added. “Short of some real economic calamity, the best we can manage is slower growth, not a decline in consumer pricing.”   That same principle is locking up real estate deals. Rent growth has slowed, but operating expenses have not. The result is compressed margins, sluggish NOI, and a widespread inability to transact or refinance.   Multifamily: Where Distress Hides Quietly On paper, the multifamily sector looks surprisingly stable. Cap rates for high-quality assets remain in the 5.0%–5.25% range, and transaction volume is beginning to pick up in select markets. But beneath the surface, stress is mounting.   “There's a lot of stress at the balance sheet level,” said Blackbourn. “And it's not being helped by property-level performance.”   In many Sunbelt markets, especially those with pandemic-era construction booms, organic NOI growth is flat or negative. Rent collection is delayed, staffing is inconsistent, and delinquencies are rising.   “We're seeing situations where it's taking all month to get the rents collected,” he noted. “You'd be at the 15th of the month with less than 50% of rents in the door.”   Yet distress sales remain rare. Why? Blackbourn offers two reasons: Lender tactics: Debt funds are “hope-certificating” properties, granting extensions, persuading sponsors to inject capital, and delaying the inevitable. Human psychology: “There's a survival instinct at work,” he observed. “People will do whatever they can to stay in the game.” What Keeps Deals Frozen? Everyone is waiting. Borrowers, lenders, and investors are all betting on falling interest rates to solve their problems. But Blackbourn remains skeptical.   “I don't think it's inevitable that rates come down,” he said. “And yet, it's within the debt fund's interest to persuade borrowers that they will.”   Many current valuations are premised on that hope. But even if rates do drop, the bid-ask spread remains wide. In his words, “It feels like this really taut balloon; fragile.”   Why Aren't Cap Rates Rising Faster? One of the stranger dynamics in today's market is that cap rates haven't risen much, despite the Fed holding policy rates above 5%. High-quality assets are still trading at 5%–5.25% caps. How is that possible?   “If you have the right basis, you can sell into that,” Blackbourn explained. “The pricing for high-quality assets hasn't jumped that much.”   But for vintage assets, pricing capitulation is coming. Lenders are forcing assets to market when no other solutions are viable. And while buyers are circling, few are pouncing.   Supply, Demand, and the Surprise of Absorption Another surprise: absorption is holding up remarkably well.   “We're seeing absorption that's about keeping up with supply,” Blackbourn noted. “In some markets, we're about to hit the point where we're absorbing more units than we're adding.”   This matters. Historically, once net absorption overtakes new deliveries, rents begin to recover, often before occupancy hits 95%. And that could happen sooner than expected in markets like Phoenix.   “We're modeling that inflection point this year,” he said.   But again, bifurcation matters. New Class A developments are attracting high-income renters,  people who once would have bought homes. Meanwhile, vintage B and C properties are seeing tenants who are increasingly rent-burdened.   “In new projects, we're seeing a higher-income demographic than we've ever seen,” said Blackbourn. “But in older assets, collections are way down. Rents are up 30%, but incomes aren't.”   The Forecast: Q3 and Q4 2025 Looking ahead to the rest of the year, Blackbourn sees a mixed bag. More volume is expected from both opportunistic buyers and forced sellers. Permits are collapsing, setting up an eventual rebound in pricing power. Selective outperformers will emerge in submarkets with favorable rent-to-income ratios. “We could see surprising outperformance in the asset class sooner than people think,” he said. “But it will be bifurcated by quality, by tenant income, and by geography.”   In short, the underdressed weatherman may not be in the eye of the storm just yet – but the wind is shifting.

Emmanuel Daniel is a global thought leader, author, and advisor on the future of finance, geopolitics, and their impact on business and society. He was named a top 10 global influencer on the Fintech Power50 list in 2021 and 2022, and is the founder of TAB Global, which operates platforms like The Asian Banker, Wealth and Society, and TABInsights. Emmanuel works closely with corporate and government leaders, advising on strategy and facilitating high-level planning workshops around the world. His book, The Great Transition: The Personalization of Finance is Here (2022), explores how technologies such as blockchain, crypto, and gaming are reshaping finance. Featuring forewords by former Congressman Barney Frank and financial innovator Richard Sandor, the book provides a roadmap for disruptors in the financial industry. Emmanuel is also a frequent commentator on BBC, CNBC, and Bloomberg, and was awarded the Citibank Excellence in Business Journalism Award for Asia in 1999. With a legal background and degrees from the National University of Singapore, University of London, and studies at Columbia University, Emmanuel brings a global perspective to his work. A former member of the Entrepreneurs' Organization and an avid model train enthusiast, he has traveled to over 130 countries and splits his time between Singapore, Beijing, and New York while working on his next book, The Winning Civilization.   During the show we discussed: What's happening with crypto and stable coins How stable coins impact the US dollar What the Genius Act means for you New crypto giants emerging from stable coin growth Why the US central bank won't regulate crypto' What to know about alt coins and staying safe Credit profiling through business transactions New credit scoring methods for businesses What's changing in peer-to-peer lending Digital data now used in lending decisions Lenders using lifestyle data to qualify you How friends, shopping times, and habits affect borrowing   Resources: https://www.emmanueldaniel.com/  

⚠️ Your deal is cash flowing—and still at risk of default?!   That's right. On this episode of Apartment Syndication Made Easy Podcast, real estate attorney Nic McGrue uncovers a hidden danger that's hitting operators across the country: technical defaults triggered by minor issues—despite on-time payments.   Nic has helped clients raise over $500 million and knows the ins and outs of how lenders work. His insight? Lenders are now looking for ways to reclaim loans written at low interest rates… even if your deal is performing.  

Equifax Senior Advisor Tom O'Neill sits down with Ian Wright, Chief Strategy Officer at IXI, to unpack the shifting landscape of consumer wealth in a post-COVID economy. Drawing on exclusive IXI data, they explore how total U.S. household assets have grown to over $66 trillion—while the median household has actually lost ground. The conversation dives into the shrinking mass affluent segment, the rising influence of retirees, regional trends in affluence, and how financial institutions can better target high-potential markets. Economist Justin Begley of Moody's Analytics delivers our macroeconomic update.In this episode:·      Post-COVID wealth trends and overall asset growth·      The shrinking mass affluent segment and rise of the “barbell effect”·      Disparities in wealth distribution across income tiers·      Differences in financial outcomes by age group (Gen Z, Gen X, retirees)·      Geographic variations in wealth concentration·      Stock market and investments as primary drivers of wealth growth·      Declining deposit levels and implications for banks·      K-shaped economic and credit recovery·      Strategic marketing approaches for targeting affluent households·      Outlook for deposits and investments through 2025–2026

Listen in for a special presentation of The Small Business Mindset.  Kirsten Flory's firm, Foundations Commercial, held a Small Business Lending Insights event with lending experts and clients.  They shared the different types of small business lending programs, and how you as a business owner, can apply!   To watch the full presentation on You Tube click the link HERE Key Takeaways: At some point in your business cycle, you will need a loan SBA lending is available for owner-occupied businesses Building a relationship with your lender is crucial Get organized financially before applying for a loan Understand your financial picture regularly (and update it!) Lenders will look at your credit history and debt-to-income ratio Keep your credit card balances low for better loan prospects Make on-time payments to maintain good credit history There are many programs available to help small businesses    

Since it's unlikely the Fed will make any interest rate moves at this week's meeting, it's safe to assume rates will stay up for at least a while longer. That means potential borrowers are weighing whether to wait out the Fed or get access to capital now, despite the cost. In this episode, local bankers tell us about the current lending climate. Plus: The EU promises to increase U.S. energy spending, credit card issuers lean in to premium cards with high fees, and Congress makes major changes to vehicle fuel efficiency regulations.Every story has an economic angle. Want some in your inbox? Subscribe to our daily or weekly newsletter.Marketplace is more than a radio show. Check out our original reporting and financial literacy content at marketplace.org — and consider making an investment in our future.

Since it's unlikely the Fed will make any interest rate moves at this week's meeting, it's safe to assume rates will stay up for at least a while longer. That means potential borrowers are weighing whether to wait out the Fed or get access to capital now, despite the cost. In this episode, local bankers tell us about the current lending climate. Plus: The EU promises to increase U.S. energy spending, credit card issuers lean in to premium cards with high fees, and Congress makes major changes to vehicle fuel efficiency regulations.Every story has an economic angle. Want some in your inbox? Subscribe to our daily or weekly newsletter.Marketplace is more than a radio show. Check out our original reporting and financial literacy content at marketplace.org — and consider making an investment in our future.

Today we bring on Owen LaFave, Market President at the Bank of Tampa. He tells us all about how he uses LinkedIn to create value for himself and his bank. Owen's advice in today's episode could inform your LinkedIn strategy to create value for your clients and to meet new prospects.   Learn more about The ARC Program here.   The views, information, or opinions expressed during this show are solely those of the participants involved and do not necessarily represent those of SouthState Bank and its employees. SouthState Bank, N.A. - Member FDIC

The VA Loan Trap No One Warns You About Hosted by: David Pere Episode Type: Real Estate, Financial Education Length: ~25 minutes Watch on YouTube: The VA Loan Trap No One Warns You About

Which means two different lenders think they have rights to the collateral. https://www.lehtoslaw.com

Matty A. dives into the world of crypto-backed mortgages, explaining how you can use Bitcoin or Ethereum as collateral to finance a home—without selling your crypto.Why This MattersKeep your crypto gains intact: Avoid selling and triggering capital gains taxesFaster and easier transactions: Lenders like Milo, USDC.Homes, and Figure offer no-credit-check loans and quick fundingFHFA update: Regulators are now exploring crypto as a recognized asset for mortgage applicants at Fannie Mae and Freddie MacHow Crypto Mortgages WorkPledge crypto as collateral (often 100% of loan value or more)Receive fiat funds for your purchaseLoan repayment in traditional currency — collateral returned when paid in fullBeware of margin calls — if crypto value drops, you may need more collateralPros & ConsProsPreserve crypto upside potentialNo cash down payment or credit check neededFaster closings than traditional loansConsCrypto volatility risks collateral liquidationPlatform risk — fewer regulations than banksWho's It For?Crypto-holders confident in long-term market growthBuyers wanting fast, streamlined access to liquidityIndividuals with thin qualifying profiles for traditional loansAction StepsResearch crypto mortgage lenders: Milo, USDC.Homes, Figure, Ledn, RockoPrepare documentation: Proof of holdings, escrow/custody proceduresBuild a cash buffer for margin call scenariosStay updated: FHFA's evolving stance, mortgage market trendsKey TakeawaysCrypto mortgages offer a strategic way to leverage digital assets without sellingThey're fast, flexible, and tax-efficient but come with volatility and collateral risksWith FHFA backing, crypto is beginning to gain real legitimacy in mainstream lendingTune In & ShareListen now to discover if a crypto mortgage makes sense for your next real estate move and how to get started. Don't forget to rate & review Wise Investor Segment, and follow Matty A. on social media for more investing insights!Episode Sponsored By:Discover Financial Millionaire Mindcast Shop: Buy the Rich Life Planner and Get the Wealth-Building Bundle for FREE! Visit: https://shop.millionairemindcast.com/CRE MASTERMIND: Visit myfirst50k.com and submit your application to join!FREE CRE Crash Course: Text “FREE” to 844-447-1555