Podcasts about loans

In this engaging episode of the Loan Officer Podcast, host Dustin Owen sits down with special guest Coach Kristi Nowrouzi, also known as Credit Kristi, to delve into the mortgage industry's first major credit scoring shift in three decades: the recent approval of VantageScore to be used alongside the traditional FICO scores. Together, they provide an in-depth exploration of the key differences between these two credit scoring models, highlighting how VantageScore offers unique advantages, particularly for borrowers with thin credit files and those who benefit from the model's recognition of trended data. Throughout their conversation, Dustin and Kristi discuss the real-world implications of this change for both borrowers and industry professionals. They examine how the expanded use of VantageScore could open new doors for individuals who may have previously struggled to qualify for a mortgage, and how loan originators now have fresh opportunities to revisit and potentially assist clients who were previously declined under the old scoring system. The discussion also addresses some of the challenges and uncertainties surrounding lender adoption of the new model, including the need for education and updates to underwriting processes. In addition to the main topic, Kristi shares exciting personal and professional updates. She talks about the launch of her new mortgage brokerage, her acceptance into an upcoming PhD program, and the development of a comprehensive 16-week mortgage originator bootcamp designed to help new and experienced professionals elevate their careers. The episode is packed with valuable insights, practical advice, and forward-looking perspectives on the evolving landscape of credit scoring and mortgage lending. TLOP's Originator Coaching:

Your credit score went up but you still got denied for a loan, and the reason is debt-to-income ratio (DTI), the number lenders actually use to approve a mortgage and the one most credit repair clients never see coming. Join Our FREE Start Repairing Credit Challenge: HERE   The score gets your client noticed. The DTI gets them approved. So before you build a plan, ask every new client what they want to qualify for, what their timeline is, and what the rest of their financial picture looks like. Lead with the goal and you'll spot a denial before the lender does. DTI is simple math that almost nobody explains to clients. Add up their monthly debt payments, divide by their gross monthly income, and that percentage is the number. Most lenders want to see 43% or below, though conventional loans can stretch to 45% or even 50% with strong compensating factors like great credit and cash reserves. You move that number two ways, lowering the payments or raising documented income. Knocking out an installment loan with fewer than 10 payments left often gets the whole payment dropped from the calculation. Keep an eye on student loans, which can count against a client even in deferment. And when a big purchase is close, bring in a mortgage broker to run the exact numbers. Tune in!  P.S. Join the #1 event to grow your credit repair business: http://creditrepairexpo.com/   Key Takeaways: 00:00 Intro 01:30 Why a Higher Score Still Gets You Denied 03:34 The Three Questions to Ask Every New Client 04:46 Credit Score vs. DTI. Two Different Numbers 05:56 How to Calculate Your Client's DTI 07:40 The Ground Rule. No New Debt Until You Close 08:40 Why Student Loans Hurt Even in Deferment 09:32 Two Levers That Move the DTI 10:52 Final Thoughts Additional Resources: Get a free trial to Credit Repair Cloud Get my free credit repair training   Fastest Wins in Credit Repair: 7 Things You Can Delete In DAYS Make sure to subscribe so you stay up to date with our latest episodes.

Can you gift a property straight into a limited company? And should you use a bridging loan or equity for your first BRR project? Rob & Rob tackle both on this Tuesday's Ask Rob & Rob. (00:38) Fred's relative wants to pass him a property to reduce their inheritance tax bill, but can it go directly into his limited company? Rob D explains why that's probably not a good idea, breaking down the inheritance tax and stamp duty implications of each route. (04:23) Will's a young investor sitting on an unencumbered property and is itching to do his first BRR project. Should he use a bridging loan or release equity? Rob B explains the one option that gives you far more protection if things don't go to plan. Enjoy the show? Leave us a review on Apple Podcasts - it really helps others find us! Sign up for our free weekly newsletter, Property Pulse Got a question? Send it in here Find out more about Property Hub Invest

We also talk about the World Cup, because that is more fun! This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit redwhitebluesfc.substack.com

Episode 655 Schedule a one on one free coaching call, click here or visit LoanOfficerStrategyCall.com. Welcome to Loan Officer Freedom, the #1 podcast in the country for loan officers, hosted by Carl White. In this episode, Carl White breaks down the seven biggest mistakes loan officers make when building relationships with real estate agents and explains why these common missteps often prevent referrals from ever happening. With agent referrals accounting for the majority of purchase business, Carl shares why understanding what agents actually want is the key to creating long-term referral partnerships. Carl walks through practical examples of where loan officers go wrong, including talking too much about themselves, leading with rates and products, failing to clearly communicate their value, and focusing on what they need instead of how they can help agents grow their business. He explains why top-producing agents are not looking for another lender, but rather a trusted partner who can help them close more deals, convert more leads, and create a better experience for their clients. Throughout the episode, Carl shares actionable strategies for standing out in a crowded market, including the importance of asking better questions, building trust through consistency, and implementing a follow-up system that helps agents recover opportunities they may have otherwise lost. He also discusses why many loan officers waste time chasing the wrong referral partners instead of focusing on a small group of qualified agents who can have a meaningful impact on their business. Carl also addresses one of the biggest reasons loan officers fail to build agent relationships: quitting too early. He explains why trust is built through repeated value, consistent communication, and showing up long before a referral arrives. Rather than looking for quick wins, Carl encourages listeners to focus on becoming a resource that agents genuinely want to work with over the long term. If you're looking to generate more purchase business, strengthen your referral relationships, and become the loan officer agents confidently recommend, this episode provides a clear roadmap for avoiding costly mistakes and building partnerships that lead to more closings.

On July 1, there will be changes to the student loan repayment system that change the situation for new and old borrowers alike. On Today's Show:Cory Turner, NPR education correspondent and senior editor, shares what's changing, and how those impacted can navigate the changes. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this episode you will hear: Susan joins mark to answer a follow-up question about whether a student without impressive extracurricular activities that they will be bringing to their college can get in a selective college Mark reads Part 3 of 11 articles the Chronicle for Higher Ed released o the dire financial crisis colleges face Christina Lopez and Mark discuss a question from a listener from Michigan who wants to know, can an admission officer tell when a parent's fingerprints are all over the student's activities and their essays Lisa interviews Dr. Tricia Siefert about her board game and her video game she creted to help students to successfully transition to college-1 of 2 Recommended Resources JG Talks: Helping prospective and current college students achieve success Colleges that allow self reporting of test scores Colleges that Allow Self-Reporting of SAT and ACT Scores Great source for questions about finances and college Edvisors: Financial Aid, Student Loans, Scholarships and Money Management FAFSA Walkthroughs Mark recommends Complete FAFSA 2026‑2027 Walkthrough | From Start to Submit 2023-2024 FAFSA Walkthrough Video English CSS PROFILE Walkthroughs CSS Profile Walkthrough MEFA Institute: A Deep Dive into the CSS Profile Speakpipe.com/YCBK is our method if you want to ask a question and we will be prioritizing all questions sent in via Speakpipe. Unfortunately, we will NOT answer questions on the podcast anymore that are emailed in. If you want us to answer a question on the podcast, please use speakpipe.com/YCBK. We feel hearing from our listeners in their own voices adds to the community feel of our podcast. You can also use this for many other purposes: 1) Send us constructive criticism about how we can improve our podcast 2) Share an encouraging word about something you like about an episode or the podcast in general 3) Share a topic or an article you would like us to address 4) Share a speaker you want us to interview 5) Leave positive feedback for one of our interviewees. We will send your verbal feedback directly to them and I can almost assure you, your positive feedback will make their day. To sign up to receive Your College-Bound Kid PLUS, our new monthly admissions newsletter, delivered directly to your email once a month, just go to yourcollegeboundkid.com, and you will see the sign-up popup. We will include many of the hot topics being discussed on college campuses. Check out our new blog. We write timely and insightful articles on college admissions: https://yourcollegeboundkid.com/category/blog/ 1. To access our transcripts, click: https://yourcollegeboundkid.com/category/transcripts/ 2. Find the specific episode transcripts for the one you want to search and click the link 3. Find the magnifying glass icon in blue (search feature) and click it 4. Enter whatever word you want to search. I.e. Loans 5. Every word in that episode when the words loans are used, will be highlighted in yellow with a timestamps 6. Click the word highlighted in yellow and the player will play the episode from that starting point 7. You can also download the entire podcast as a transcript We would be honored if you will pass this podcast episode on to others who you feel will benefit from the content in YCBK. Please follow our podcast. It really helps us move up in Spotify and Apple's search feature so others can find our podcast. If you enjoy our podcast, would you please do us a favor and share our podcast both verbally and on social media? We would be most grateful! If you want to help more people find Your College-Bound Kid, please make sure you follow our podcast. You will also get instant notifications as soon as each episode goes live. Check out the college admissions books Mark recommends: https://yourcollegeboundkid.com/recommended-books/ Check out the college websites Mark recommends: https://yourcollegeboundkid.com/recommended-websites/ If you want to have some input about what you like and what you recommend, we change about our podcast, please complete our Podcast survey; here is the link: https://docs.google.com/forms/d/e/1FAIpQLScCauBgityVXVHRQUjvlIRfYrMWWdHarB9DMQGYL0472bNxrw/viewform If you want a college consultation with Mark just text Mark at 404-664-4340 or email at mark@schoolmatch4u.com. All we ask is that you review their services and pricing on their website before the complimentary session; here is link to their services with transparent pricing: https://schoolmatch4u.com/services/compare-packages/

Links & ResourcesFollow us on social media for updates: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ | ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠YouTube⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Check out our recommended tool: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Prop Stream⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Thank you for listening!

Pellegrini, A. (2026, January 26). Comparing private student loans. University of Illinois System Student Money Management Center Blog. https://blogs.uofi.uillinois.edu/view/7550/54213092   Prior Relevant Episodes: Student Loan Management Transitioning in 2026 (ep. 126). https://blogs.uofi.uillinois.edu/view/7550/280186564 The Role of Loan Servicers (ep. 114). https://blogs.uofi.uillinois.edu/view/7550/681485881 Back to School: College and Credit (ep. 90). https://blogs.uofi.uillinois.edu/view/7550/1942070018 The Impact of Compound Interest (ep. 70). https://blogs.uofi.uillinois.edu/view/7550/650946740   Other References: Hanson, M. (2025, October 21). Total student loan debt in the United States. EducationData.org. https://educationdata.org/total-student-loan-debt   National Association of Student Financial Aid Administrators. (2024). You have questions, we have answers: Making sense of the student loan changes from OBBBA's RISE Committee. https://www.nasfaa.org/news-item/37700   U.S. Department of Education. (2024). U.S. Department of Education concludes negotiated rulemaking session to implement One Big Beautiful Bill Act loan provisions. https://www.ed.gov/about/news/press-release/us-department-of-education-concludes-negotiated-rulemaking-session-implement-one-big-beautiful-bill-acts-loan-provisions     University of Illinois System Resources: University of Illinois System. Know what you owe. https://paymybill.uillinois.edu/student_loans/know_what_you_owe   University of Illinois Chicago, Office of Student Financial Aid. Alternative loans. https://financialaid.uic.edu/types-of-aid/loans/alternative-loans/   University of Illinois Springfield, Office of Financial Aid. Private student loans. https://www.uis.edu/financial-aid/types-aid/loans/private-loans   University of Illinois Urbana-Champaign, Office of Student Financial Aid. Alternative educational loans. https://osfa.illinois.edu/types-of-aid/loans/types-of-loans/alternative-educational-loans/    

Links & ResourcesFollow us on social media for updates: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ | ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠YouTube⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Check out our recommended tool: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Prop Stream⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Thank you for listening!

Morris Chen, Portfolio Manager and Head of CMBS & CRE Debt Investments at DoubleLine Capital, and Robert Stanbrook, Portfolio Manager for the firm's CRE Loan Platform, join Stewart Foley to explore how commercial mortgage loans can help insurers navigate today's investment landscape. Together, they discuss the differences between CMLs and CMBS, the benefits of portfolio customization, and why these strategies continue to play an important role in balancing yield, duration, and capital efficiency.    The conversation also dives into DoubleLine's underwriting philosophy, the importance of borrower quality and loan structure, and how insurers across life, annuity, P&C, and health sectors can tailor commercial mortgage allocations to meet their unique balance sheet objectives. For insurance investors looking to better understand the asset class, this episode offers a practical framework for evaluating both the opportunities and the risks.

Download your free LSAT cheat sheet here: https://swiy.co/IYJq5CSfzRg I scored a 152 my first LSAT. Got to a 175. I've been teaching this test since 2005. If you're prelaw, applying now, or stuck, you're in the right place.

Jordi Visser is a veteran macro investor with 30+ years of experience and the author of the VisserLabs Substack. In this conversation, we break down the SpaceX IPO, orbital data centers, and the critical minerals powering the AI buildout. We also discuss the AI model wars, why Jordi thinks Sam Altman won't be running OpenAI within a year, and how the New York Knicks playoff run connects to the future of crypto and blockchain in a world of AI and deep fakes.======================Need liquidity without selling your crypto? Take out a Figure Crypto-Backed Loan, allowing you to borrow against your BTC, ETH, or SOL with 12-month terms, 8.91% interest rates, and no prepayment penalties. Or check out Democratized Prime (https://figuremarkets.co/pomp) and earn ~9% APY on real world assets, paid hourly. Unlock your crypto's potential today at Figure! https://figuremarkets.co/pomp Figure Lending LLC dba Figure (NMLS 1717824). Loans subject to approval. Crypto collateral may be liquidated. Terms apply - see full disclosures at figure.com/disclosures/======================Arch Public is an agentic trading platform that automates the buying and selling of your preferred crypto strategies. Sign up today at https://www.archpublic.com and start your automated trading strategy for free. No catch. No hidden fees. Just smarter trading.======================Simple Mining makes Bitcoin mining simple and accessible for everyone. We offer a premium white glove hosting service, helping you maximize the profitability of Bitcoin mining. For more information on Simple Mining or to get started mining Bitcoin, visit https://www.simplemining.io/pomp======================0:00 - Intro1:00 - SpaceX IPO, Elon & orbital data centers12:15 - Critical minerals & the AI supply chain18:55 - American industrial sovereignty & critical chemicals22:36 - AI model cost crisis & who wins the model war37:10 - Knicks NBA Finals & the case for crypto in an AI world47:48 - Jeff Bezos launches Prometheus50:34 - AI use case of the week

This week on Home Sweet Home Chicago, David Hochberg is joined by HVAC Hall of Famer Rich Dykstra for Doornbos Heating and Air Conditioning to talk the incoming heat wave. Next, Mike Huston of Lindholm Roofing talks leaky roofs. Then, Rose Pest Solutions' Marketing Director Janelle Iaccino, A.K.A. ‘The Bug Girl,' prepares you for a bite-free […]

Featured on WGN Radio's Home Sweet Home Chicago on 06/13/26: Rose Pest Solutions' Marketing Director Janelle Iaccino, A.K.A. ‘The Bug Girl,' talks pesky mosquitoes and how Rose Pest Solutions helped a listener in Mokena have a bite free company picnic the day before the event. To learn more about Rose Pest Solutions and what they can […]

Featured on WGN Radio's Home Sweet Home Chicago on 06/13/26: Rich Dykstra Sr., HVAC Hall of Famer for Doornbos Heating and Air Conditioning, talks beating the heatwave. Rich lets listeners in on common issues you may face like ice buildups, condensate leaks, dirty coils, clogged filters, and more! For more information on Doornbos, visit doornbos.com or call 708-831-2281.

Featured on WGN Radio's Home Sweet Home Chicago on June 13, 2026: Lindholm Roofing's Assistant Manager Mike Huston talks about steps to curtail a leaky roof and the fact that, sometimes you don’t need a brand new roof, just adjustments! Mike discusses how he helped a WGN listener and how Lindholm can help you! To […]

Spurs Chat: Discussing all Things Tottenham Hotspur: Hosted by Chris Cowlin: The Daily Tottenham/Spurs Podcast Hosted on Acast. See acast.com/privacy for more information.

Vào tháng 8 năm 2024, các học giả tại một tổ chức tư vấn có trụ sở ở Hạ Môn đã công bố một bài nghiên cứu thúc giục Bắc Kinh ngay lập tức thành lập một chính phủ Đài Loan bí mật tại đại lục nhằm chuẩn bị cho việc tiếp quản toàn diện hòn đảo này. Họ khẳng định: "Việc chuẩn bị một kế hoạch tiếp quản toàn diện Đài Loan sau khi thống nhất là điều cấp bách." Các học giả này đưa ra bài viết vào một thời điểm đầy căng thẳng đối với Bắc Kinh.Xem thêm.

Spurs Chat: Discussing all Things Tottenham Hotspur: Hosted by Chris Cowlin: The Daily Tottenham/Spurs Podcast Hosted on Acast. See acast.com/privacy for more information.

In this episode you will hear: Mark reads Part 2 of 11 articles the Chronicle for Higher Ed released o the dire financial crisis colleges face (10:25) Christina Lopez and Mark discuss a question from a listener about the Parent Plus loan changes Mark explains new creative and aggressive recruiting colleges are us (59:07) Mark interviews Dan Chambliss on how to get the most out of college. They also discuss why a liberal arts education delivers such value. Recommended Resources JG Talks: Helping prospective and current college students achieve success Colleges that allow self reporting of test scores Colleges that Allow Self-Reporting of SAT and ACT Scores Great source for questions about finances and college Edvisors: Financial Aid, Student Loans, Scholarships and Money Management FAFSA Walkthroughs Mark recommends Complete FAFSA 2026‑2027 Walkthrough | From Start to Submit 2023-2024 FAFSA Walkthrough Video English CSS PROFILE Walkthroughs CSS Profile Walkthrough MEFA Institute: A Deep Dive into the CSS Profile Speakpipe.com/YCBK is our method if you want to ask a question and we will be prioritizing all questions sent in via Speakpipe. Unfortunately, we will NOT answer questions on the podcast anymore that are emailed in. If you want us to answer a question on the podcast, please use speakpipe.com/YCBK. We feel hearing from our listeners in their own voices adds to the community feel of our podcast. You can also use this for many other purposes: 1) Send us constructive criticism about how we can improve our podcast 2) Share an encouraging word about something you like about an episode or the podcast in general 3) Share a topic or an article you would like us to address 4) Share a speaker you want us to interview 5) Leave positive feedback for one of our interviewees. We will send your verbal feedback directly to them and I can almost assure you, your positive feedback will make their day. To sign up to receive Your College-Bound Kid PLUS, our new monthly admissions newsletter, delivered directly to your email once a month, just go to yourcollegeboundkid.com, and you will see the sign-up popup. We will include many of the hot topics being discussed on college campuses. Check out our new blog. We write timely and insightful articles on college admissions: https://yourcollegeboundkid.com/category/blog/ 1. To access our transcripts, click: https://yourcollegeboundkid.com/category/transcripts/ 2. Find the specific episode transcripts for the one you want to search and click the link 3. Find the magnifying glass icon in blue (search feature) and click it 4. Enter whatever word you want to search. I.e. Loans 5. Every word in that episode when the words loans are used, will be highlighted in yellow with a timestamps 6. Click the word highlighted in yellow and the player will play the episode from that starting point 7. You can also download the entire podcast as a transcript We would be honored if you will pass this podcast episode on to others who you feel will benefit from the content in YCBK. Please follow our podcast. It really helps us move up in Spotify and Apple's search feature so others can find our podcast. If you enjoy our podcast, would you please do us a favor and share our podcast both verbally and on social media? We would be most grateful! If you want to help more people find Your College-Bound Kid, please make sure you follow our podcast. You will also get instant notifications as soon as each episode goes live. Check out the college admissions books Mark recommends: https://yourcollegeboundkid.com/recommended-books/ Check out the college websites Mark recommends: https://yourcollegeboundkid.com/recommended-websites/ If you want to have some input about what you like and what you recommend, we change about our podcast, please complete our Podcast survey; here is the link: https://docs.google.com/forms/d/e/1FAIpQLScCauBgityVXVHRQUjvlIRfYrMWWdHarB9DMQGYL0472bNxrw/viewform If you want a college consultation with Mark just text Mark at 404-664-4340 or email at mark@schoolmatch4u.com. All we ask is that you review their services and pricing on their website before the complimentary session; here is link to their services with transparent pricing: https://schoolmatch4u.com/services/compare-packages/

Today's podcast episode is a topic that doesn't get talked about enough in the online business world. How to grow your business without getting yourself into debt. It's honesty month here in Lucky Bee land, so let's be honest… There's a lot of pressure out there to: put things on credit cards join expensive masterminds build fancy websites create courses with huge production budgets And sometimes it's presented as the only way to succeed. But that's simply not true. In this episode, I'm sharing how I built my business without loans, credit cards, or outside investors, and the mindset shifts that helped me stay in control of my money.

In this episode of the Loan Officer Podcast, host Dustin Owen sits down with guest Marketing Mike, alongside producer Karina "Special K", for an in-depth discussion on the power and potential of programmatic marketing specifically tailored for mortgage loan originators, real estate agents, insurance agents, and title companies. Together, they break down how professionals in these industries can leverage advanced digital advertising platforms, such as Google and Meta (Facebook & Instagram), to reach their ideal audiences and generate high-quality leads. The conversation covers practical strategies for targeting referral partners, including the use of educational webinars and value-driven content to build trust and engagement. They also dive into the mechanics of retargeting, explaining how to stay top-of-mind with prospects who have already interacted with your brand online. Throughout the episode, Dustin, Mike, and Karina highlight several key takeaways for listeners looking to implement programmatic marketing in their own businesses. They stress the critical importance of developing compelling creative assets, such as eye-catching graphics and persuasive ad copy, to capture attention in a crowded digital landscape. The trio also discusses the value of niche targeting, encouraging professionals to define their ideal client profiles and tailor their messaging accordingly for maximum impact. Budgeting is another focal point, with realistic expectations set around the investment required to see meaningful results from programmatic campaigns. Importantly, the hosts emphasize that programmatic marketing is not a quick fix or a standalone solution. Instead, it works most effectively when used to supplement and enhance an existing referral-based business model. Success requires patience, consistent effort, and a willingness to test and refine strategies over several months. By combining digital marketing with strong relationship-building practices, mortgage and real estate professionals can create a sustainable pipeline of leads and long-term growth. TLOP's Originator Coaching:

Dan Rolinson and John Townley are back with a part two to the 'Keep, Sell, Loan' episode where we're now looking at the incomings, what can Unai Emery do to refresh this squad. Recorded before the Martinez to Juventus links.

Cách đây không lâu, Tổng thống Philippines Marcos Jr. đã đến thăm Nhật Bản. Trong tuyên bố chung giữa hai bên có câu "khởi động đàm phán phân định vùng đặc quyền kinh tế và thềm lục địa" — và chính câu nói này đã khuấy động cục diện ba bên Trung Quốc – Nhật Bản – Philippines, đồng thời kéo cả vấn đề eo biển Đài Loan vào vòng xoáy.Xem thêm.

Today on The Peak Daily, we dig into the nicotine pouch boom among young Canadians and why regulators are struggling to keep up. We also break down OSFI's push for big banks to lend more to small businesses, plus the latest on CUSMA uncertainty, the Bank of Canada holding rates steady, and Ubisoft's latest round of studio closures.The Peak Daily is produced in partnership with reframevid.com

There are two ways to get your student loans forgiven — and the one nobody talks about could leave you with a six-figure tax bill. Most physicians know PSLF. Far fewer understand taxable forgiveness — the IDR path that hands you a massive tax bill 20 years down the road. Jimmy and Justin break down a real listener question (anesthesiologist + dentist, $400K in loans at 7%) to show why "married filing separately" math isn't as clean as it looks, and why your repayment plan now hinges on a looming July 2026 deadline. Resources mentioned: Looking for a CPA that does more than just file taxes each year? Check out Gelt, the proactive tax strategy partner that Jimmy personally uses, and receive 10% off the first year through the MMM link. Get $100 off a Student Loan Consult with Student Loan Planner: moneymeetsmedicine.com/loans Looking to refinance your private student loans? Click here to learn how to find the lowest interest rates out there. Every physician must get disability insurance before leaving training! Get a disability insurance quote from Money Meets Medicine Disability. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

day's episode, Editor in Chief Sarah Wheeler talks with two executives from MeridianLink — JP Kelley, senior vice president of mortgage, and Troy Coggila, chief product and strategy officer — about using AI to gain speed and accuracy in the loan process. Related to this episode: MeridianLink expands AI offerings as volume, customer growth accelerate HousingWire | YouTube⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ More info about HousingWire 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.

A village wiped from the map: Lidice lives on in memory, Who reads what? The surprising patterns hidden in 17 million library loans, “It's a big moment”: Prague approves plan paving way for massive number of new flats

Loan Opportunities with the Farm Service Agency Japanese Beetles and Corn Rootworms in Kansas Cattle Health Starting in Gestation   00:01:05 – Loan Opportunities with the Farm Service Agency: Beginning the show is David Schemm, Kansas Farm Service Agency state executive director, as he reviews FSA loan opportunities and what is coming up for the agency. Farmers.gov Service Center Locator   00:12:05 – Japanese Beetles and Corn Rootworms in Kansas: Jeff Whitworth, K-State crop entomologist, keeps the show rolling as he discusses Japanese beetles and corn rootworms. He explains what crops they could be impacting and what growers can be doing.   00:23:05  – Cattle Health Starting in Gestation: Part of the Beef Cattle Institute's Cattle Chat podcast with Brad White, Bob Larson and special guest Lee Jones ends today's show as they chat about a key health risk in cattle.  BCI Cattle Chat Podcast Bovine Science with BCI Podcast Email BCI at bci@ksu.edu     Send comments, questions or requests for copies of past programs to ksrenews@ksu.edu.   Agriculture Today is a daily program featuring Kansas State University agricultural specialists and other experts examining ag issues facing Kansas and the nation. It is hosted by Shelby Varner and distributed to radio stations throughout Kansas and as a daily podcast.   K‑State Extension is a short name for the Kansas State University Cooperative Extension Service, a program designed to generate and distribute useful knowledge for the well‑being of Kansans. Supported by county, state, federal and private funds, the program has county Extension offices statewide. Its headquarters is on the K‑State campus in Manhattan. For more information, visit Extension.ksu.edu. K-State Extension is an equal opportunity provider and employer.

In this episode of the Loan Officer Podcast, host Dustin Owen sits down for an in-depth interview with Chris Kloc, a top-producing mortgage loan originator from CrossCountry Mortgage. Chris shares the inspiring story of his remarkable five-year journey, detailing how he entered the mortgage industry as a complete newcomer and, through dedication and perseverance, grew his business to fund over $50 million in loans annually. He opens up about how his own childhood experiences with housing instability and uncertainty ignited a deep passion for helping others achieve the dream of homeownership, and how this personal mission continues to drive his work every day. Throughout the conversation, Chris reveals the key strategies and daily disciplines that have fueled his rapid success. He discusses the importance of building intentional, value-driven relationships with real estate agents, establishing consistent and reliable referral systems, and maintaining rigorous daily prospecting habits to keep his pipeline full. Chris also credits much of his growth to seeking out strong coaching and mentorship, which has helped him stay accountable and continuously improve his skills. In addition to sharing his business tactics, Chris emphasizes the critical role of team-building and fostering a supportive work environment, as well as the necessity of ongoing education to stay ahead in a constantly evolving industry. He offers insights into how he balances his professional ambitions with family priorities, ensuring that he remains present and engaged at home while still striving for excellence in his career. This episode is packed with actionable advice and motivational stories for both new and experienced loan officers looking to elevate their business and make a meaningful impact in their clients' lives. TLOP's Originator Coaching:

Today's show is sponsored by The Cost Segregation Guys. If you own investment real estate and haven't looked seriously at cost segregation, you could be leaving significant tax savings on the table.  If you click on the link you will be connected with them directly and qualify for a discount. -------------If you're a mid-size multifamily investor. You're not a mom-and-pop landlord with two units and you're also not an institutional shop with a dedicated capital markets team. You're in the middle — and historically, that middle ground has been underserved by the lending market. The big agency programs were built for big loans. Local banks could handle the small stuff, but once your deal got past a certain size, things got awkward and the terms got worse. Sound familiar?That's exactly the investor Freddie Mac's Conventional Small program was built for.On April 15th, 2026, Freddie Mac renamed their Small Balance Loan program — previously called the SBL — to Conventional Small, and folded it directly into their core Conventional platform. Loan sizes run from two million to ten million dollars. The cap was raised from $7.5 million to $10 million as part of the April 2026 upgrade — meaningful for anyone who was bumping up against the old ceiling. Fixed-rate terms are now 5, 7, 10, 12, or 15 years — the 12 and 15-year options are brand new additions. Amortization goes up to 30 years. As of June 2026, rates are running approximately 5.73%-----------**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)  

Justin Tuminowski sits down with David Moody and Jared Morrison to break down how they acquired a 20-bed assisted living facility in Michigan using a subject-to structure on an SBA loan. They share how a deal originally priced at $660,000 was renegotiated after deeper underwriting revealed the facility was being run almost entirely by the owners, creating major staffing and operational considerations. The conversation covers the tight timeline caused by the seller's cancer treatment, the $67,000 hard deposit, the refinance strategy with a local credit union, and the lessons they learned about buying a business versus buying real estate. David and Jared also explain how this deal shifted their long-term focus toward building and serving in the assisted living space. Follow Jared Morrison - https://www.instagram.com/jaredmorrisonrei YouTube - https://www.youtube.com/@Jaredmorrisonrei Follow David Moody - www.instagram.com/davidbuysdeals Follow Justin Tuminowski - www.instagram.com/real.estate.justin

The following guest sits down with host Justin White:•   Justin Kelly – President and CEO, CPF MortgageWhy an Assembly Line Loan Process Helps Borrowers, Agents, and Staff MembersOn the surface, delivering the same loan experience every time may not seem like a huge deal. But when you consider what a repeatable process has done for Justin Kelly's company, you'll understand why it's important. How can mortgage brokers build a loan process that runs like a well-oiled machine? Listen to Episode #125 of the Good. Better. Broker. podcast to find out how Justin did it and how he's teaching his referral partners to do the same thing.In this episode of the Good. Better. Broker. podcast, you'll learn how a mortgage broker built his brand and business with a repeatable, scalable loan process.In this episode, we discuss ...•   1:46 – starting in the mortgage business before graduating from high school•   3:03 – what Justin loves about the industry•   3:24 – the significance of the name CPF Mortgage•   4:35 – establishing a good reputation in the community•   5:36 – the impact of the loan process on the company brand•   7:16 – how Justin's early days in the business led to the need for a repeatable process•   8:50 – Justin's assembly line approach to the loan process•   9:58 – the importance of brand predictability•   12:20 – the benefits of an assembly line process for Justin's team•   13:04 – coaching real estate agents to help improve their processes•   13:49 – providing referral partners with relevant educational materials•   15:18 – how Justin's loan process has helped with company culture Show Contributor:Justin KellyConnect on LinkedIn Connect on Facebook Connect on InstagramAbout the Host:Justin White is UWM's in-house brand journalist and the host of UWM Daily. He creates engaging content across multiple platforms to promote the benefits of the wholesale channel and partnering with UWM. A seven-time Emmy-award winner, Justin is a graduate of the S.I. Newhouse School of Public Communications at Syracuse University. Connect with Justin on LinkedIn, Instagram, or Twitter Connect with UWM on Social Media:•   Facebook•   LinkedIn•   Instagram•   Twitter•   YouTubeHead to uwm.com to see the latest news and updates.

Dan and Jay are confused. This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit redwhitebluesfc.substack.com

If you missed The Jay Garvens Home & Mortgage Show, listen now! Jay will fine tune and wrap up VA Mortgage Loan #2 with Special Guest Ken Smith from Churchill Mortgage.  Everything is explained how... The post VA MORTGAGE LOANS #2 – 6-6-26 appeared first on Jay Garvens.

If you missed The Jay Garvens Home & Mortgage Show, listen now! Jay will fine tune and wrap up VA Mortgage Loan #2 with Special Guest Ken Smith from Churchill Mortgage.  Everything is explained how... The post VA MORTGAGE LOANS #2 – 6-6-26 appeared first on Jay Garvens.

Episode 653 Schedule a one on one free coaching call, click here or visit LoanOfficerStrategyCall.com. Welcome to Loan Officer Freedom, the #1 podcast in the country for loan officers, hosted by Carl White. In this episode, Carl White sits down with Jim Reed to explore a simple parenting story that reveals a powerful lesson about leadership, communication, and managing people. What starts as a conversation about their fathers quickly turns into a deeper discussion about how loan officers, branch managers, and business owners can lead more effectively without relying on anger, frustration, or emotional reactions. Carl and Jim share personal stories about moments that shaped their understanding of accountability and respect. They discuss why the best leaders address problems quickly, communicate expectations clearly, and avoid the common trap of letting frustration build until it turns into an emotional outburst. The conversation also highlights the importance of setting healthy boundaries with clients, referral partners, team members, and even family members. They break down the difference between correcting behavior and becoming passive aggressive, why praise should happen publicly while correction should happen privately, and how many leadership challenges can be solved through calm, direct communication. Whether you're managing a team, building relationships with referral partners, or simply trying to become a better communicator, the lessons in this episode are practical, relatable, and immediately applicable. If you've ever struggled with difficult conversations, setting expectations, or balancing accountability with empathy, this episode offers valuable insights that can help you become a stronger leader both in business and in life.

Financial Assessment (Meet with an experienced professional):https://bit.ly/PureAssessmentFree Financial Resources in This Episode: https://bit.ly/ymyw-585 (full show notes & episode transcript)Today on Your Money, Your Wealth® podcast number 585, Joe and Big Al spitball for folks who are already winning and thinking about getting fancy with it. Reno in Oregon is 50, and his pension is so big he's not sure how to invest or why he would need to convert to Roth. Michael is considering taking out a half-million-dollar margin loan to juice investment returns. What do the fellas think? Tune in for the surprising debate. Husker Fans just pocketed two million from selling their business here come the product pitches: should they buy annuities, set up a charitable trust, or just swallow the tax? What do the fellas think of whole life insurance? And finally, John and Lib on Waltons Mountain - or rather, the Catskills - aren't sure if they've saved too little or too much. Can they bridge the gap until their pension?Emotionless Investing Guide - free download:https://purefinancial.com/white-papers/emotionless-investing-guide/?utm_source=captivate&utm_medium=podcast&utm_campaign=whitepaper-emotionless-investing-guide&utm_content=ymyw-pod-ep585-description-whitepaperFinancial Blueprint - free, self-guided:https://purefinancial.com/financialblueprint/?utm_source=captivate&utm_medium=podcast&utm_campaign=financial-blueprint&utm_content=ymyw-pod-ep585-description-blueprintRetirement Rebound: 5 Plays to Help You Score a Comeback - YMYW TV:https://purefinancial.com/ymyw/episodes/retirement-rebound-5-plays-help-score-comeback/?utm_source=captivate&utm_medium=podcast&utm_campaign=ymyw-tv&utm_content=ymyw-pod-ep585-description-tv-s10e11REQUEST your Retirement Spitball Analysis:https://bit.ly/AskJoeAndAlDOWNLOAD more free guides:https://bit.ly/PureGuidesREAD financial blogs:https://bit.ly/PureFinBlogWATCH educational videos:https://bit.ly/PureEdVideosSUBSCRIBE to the YMYW Newsletter:https://bit.ly/YMYWNewsletterConnect With Us:Subscribe on YouTube and join the conversation in the comments:https://bit.ly/YMYW-YTSubscribe or follow YMYW in your favorite podcast app:https://lnk.to/ymywLeave your honest reviews and ratings in Apple Podcasts:https://podcasts.apple.com/us/podcast/your-money-your-wealth/id312900254Chapters: 00:00 - Intro: This Week on the YMYW Podcast00:58 - How Should a Pension-Rich 50-Year-Old Invest? Should They Even Bother with Roth Conversions? (Reno, OR)10:30 - Should I Borrow $500K in a Margin Loan to Invest? (Michael, VA)23:01 - We're Getting $2M From Selling the Business. Annuity, Charitable Trust, or Bite the Tax? What About Whole Life Insurance? (Husker Fans, Nebraska)34:14 - Can a Frugal Mountain Couple Bridge the Gap to a $60K Pension? (John & Lib, NY Catskills)41:13 - Outro: Next Week on the YMYW Podcast

In this episode you will hear: Mark explains some major changes we will be making at Your College-Bound Kid is making. Mark reads Part 1 of 11 articles the Chronicle for Higher Ed released o the dire financial crisis colleges face Mark explains new creative and aggressive recruiting colleges are using (24:10) Mark and guest host, Chris Teare, answer a question from a student from Texas who is looking for affordable quality colleges outside of Texas that offer curricular flexibility (01:13:10) Mark interviews Dan Chambliss on how to get the most out of college. They also discuss why a liberal arts education delivers such value. § Mark and Dan have a conversation about the pros and cons of using the website ratemyprofessors.com to find great teachers § Dan tells us what liberal arts education is § Dan and Mark discuss if there are certain fields of study within the liberal arts that produce better thinkers Recommended Resources JG Talks: Helping prospective and current college students achieve success Colleges that allow self reporting of test scores Colleges that Allow Self-Reporting of SAT and ACT Scores Great source for questions about finances and college Edvisors: Financial Aid, Student Loans, Scholarships and Money Management FAFSA Walkthroughs Mark recommends Complete FAFSA 2026‑2027 Walkthrough | From Start to Submit 2023-2024 FAFSA Walkthrough Video English CSS PROFILE Walkthroughs CSS Profile Walkthrough MEFA Institute: A Deep Dive into the CSS Profile Speakpipe.com/YCBK is our method if you want to ask a question and we will be prioritizing all questions sent in via Speakpipe. Unfortunately, we will NOT answer questions on the podcast anymore that are emailed in. If you want us to answer a question on the podcast, please use speakpipe.com/YCBK. We feel hearing from our listeners in their own voices adds to the community feel of our podcast. You can also use this for many other purposes: 1) Send us constructive criticism about how we can improve our podcast 2) Share an encouraging word about something you like about an episode or the podcast in general 3) Share a topic or an article you would like us to address 4) Share a speaker you want us to interview 5) Leave positive feedback for one of our interviewees. We will send your verbal feedback directly to them and I can almost assure you, your positive feedback will make their day. To sign up to receive Your College-Bound Kid PLUS, our new monthly admissions newsletter, delivered directly to your email once a month, just go to yourcollegeboundkid.com, and you will see the sign-up popup. We will include many of the hot topics being discussed on college campuses. Check out our new blog. We write timely and insightful articles on college admissions: https://yourcollegeboundkid.com/category/blog/ 1. To access our transcripts, click: https://yourcollegeboundkid.com/category/transcripts/ 2. Find the specific episode transcripts for the one you want to search and click the link 3. Find the magnifying glass icon in blue (search feature) and click it 4. Enter whatever word you want to search. I.e. Loans 5. Every word in that episode when the words loans are used, will be highlighted in yellow with a timestamps 6. Click the word highlighted in yellow and the player will play the episode from that starting point 7. You can also download the entire podcast as a transcript We would be honored if you will pass this podcast episode on to others who you feel will benefit from the content in YCBK. Please follow our podcast. It really helps us move up in Spotify and Apple's search feature so others can find our podcast. If you enjoy our podcast, would you please do us a favor and share our podcast both verbally and on social media? We would be most grateful! If you want to help more people find Your College-Bound Kid, please make sure you follow our podcast. You will also get instant notifications as soon as each episode goes live. Check out the college admissions books Mark recommends: https://yourcollegeboundkid.com/recommended-books/ Check out the college websites Mark recommends: https://yourcollegeboundkid.com/recommended-websites/ If you want to have some input about what you like and what you recommend, we change about our podcast, please complete our Podcast survey; here is the link: https://docs.google.com/forms/d/e/1FAIpQLScCauBgityVXVHRQUjvlIRfYrMWWdHarB9DMQGYL0472bNxrw/viewform If you want a college consultation with Mark just text Mark at 404-664-4340 or email at mark@schoolmatch4u.com. All we ask is that you review their services and pricing on their website before the complimentary session; here is link to their services with transparent pricing: https://schoolmatch4u.com/services/compare-packages/

Are you facing job loss, the rising financial stress, or unexpected bills? You don't have to handle it alone. On this episode of the Perfect Cents Podcast, host Alex Becerra welcomes SAFE Loan Service Manager, Amber Mitchell to discuss how to partner with your financial institution during tough times. Topics include: Communication is Key: Loan servicing departments call out of care to find flexible solutions, not to penalize you. Flexible Options: Programs like Skip-A-Pay move your payment to the end of the loan term, protecting your credit. Community Support: Local credit unions focus on tailored, win-win outcomes for their neighbors.  SAFE is federally insured by NCUA and is an equal housing opportunity lender. Community & Local Favorites: Thai Hut (Sacramento) To check out the resources highlighted in this episode visit the links below. To learn more about SAFE Credit Union products and services visit: https://www.safecu.org/  To register for an upcoming Financial Wellness webinar visit: https://www.safecu.org/community/events To read the latest edition of SAFE's Beyond Everyday Banking blog visit: https://blog.safecu.org/ To contact the podcast team, email Podcast@safecu.org To watch this episode in video-format and access more financial education tips, subscribe to the SAFE Credit Union YouTube channel: https://www.youtube.com/@SAFECreditUnionCA

Ross Halls caught up with former Ipswich Town loanee Jack Colback to discuss his time at Portman Road and journey in football in our Kings of Anglia podcast special.Recently-retired Jack spoke about a range of memories, including his early days in football, starting out at Sunderland and joining Ipswich for two loan spells.He chats about playing under Roy Keane, his first season in senior football, goal of the season award, rooming with Pablo Counago and overall time in Suffolk.The duo also discuss his career as a whole and what's next after retiring from professional football.Kings of Anglia is sponsored Molecular! Get 10% OFF with promo code KOA10 at https://www.molecular-uk.com/Subscribe on our website to watch the video version of the podcast - https://www.eadt.co.uk/subscribe/You can shop the KOA range here - (kings-of-anglia.myspreadshop.co.uk) 

Jordi Visser is a veteran macro investor with 30+ years of experience and the author of the VisserLabs Substack. In this conversation, we discuss why bitcoin is down 50% and whether the bear market is over, why he's still buying through the dip, how AI agents will drive bitcoin adoption, and why the rotation from AI hardware to human software is the biggest investment opportunity right now.=======================Need liquidity without selling your crypto? Take out a Figure Crypto-Backed Loan, allowing you to borrow against your BTC, ETH, or SOL with 12-month terms, 8.91% interest rates, and no prepayment penalties. Or check out Democratized Prime (https://figuremarkets.co/pomp) and earn ~9% APY on real world assets, paid hourly. Unlock your crypto's potential today at Figure! https://figuremarkets.co/pomp Figure Lending LLC dba Figure (NMLS 1717824). Loans subject to approval. Crypto collateral may be liquidated. Terms apply - see full disclosures at figure.com/disclosures/=======================Arch Public is an agentic trading platform that automates the buying and selling of your preferred crypto strategies. Sign up today at https://www.archpublic.com and start your automated trading strategy for free. No catch. No hidden fees. Just smarter trading.=======================Simple Mining makes Bitcoin mining simple and accessible for everyone. We offer a premium white glove hosting service, helping you maximize the profitability of Bitcoin mining. For more information on Simple Mining or to get started mining Bitcoin, visit https://www.simplemining.io/pomp=======================0:00 - Intro0:45 - Why bitcoin is down 50% & is the bear market over?6:48 - What would convince Jordi to sell his bitcoin?9:07 - Bitcoin as the S&P 500 of crypto14:02 - Why bitcoin is safer than any company past 203017:45 - Bitcoin volatility vs. the stock market22:22 - The five-layer AI stack & where revenues are missing26:22 - Token budgets & the shift to specialized AI35:10 - Are LLMs now commoditized?40:30 - Peptides as the API key for the human body49:24 - Healthcare, entitlements & the future outlook

Dan Rolinson and John Townley assess the immediate future of every single first-team player as we begin looking ahead to the 2026/27 season.

The FT's Rob Smith joins Riley and Nova to talk all about the explosion of an industry that can only be described as “private equity funded payday loans for plutocrats” and all the unique characters therein. Get the whole episode on Patreon here! RILEY ALERT Check out No Gods, No Mayors here! HUSSEIN ALERT Check out 10k Posts here! MILO ALERT Check out Milo's tour dates here: https://www.miloedwards.co.uk/liveshows NATE ALERT Nate's band Second Homes has just released their debut album, which includes the song used in this episode's outro, and you can stream it for free here! Trashfuture are: Riley (@raaleh), Milo (@Milo_Edwards), Hussein (@HKesvani), Nate (@inthesedeserts), and November (@postoctobrist)

In this episode of The D.O. Show, host Dustin Owen delivers an honest, no-nonsense guide for aspiring and struggling mortgage loan officers. Drawing on over 20 years of hands-on industry experience, Dustin pulls back the curtain on the realities of the mortgage business, debunking the glamorous, often misleading image portrayed on social media. He emphasizes that true success in this field is built on foundational sales skills, relentless networking, and the ability to cultivate and maintain strong, genuine relationships with clients and referral partners. Dustin highlights that becoming a top producer is not an overnight achievement, it requires a steadfast 2–3 year commitment marked by perseverance, learning from setbacks, and continuously honing your craft. He makes it clear that simply obtaining a mortgage license is not a ticket to success; a license alone is meaningless unless you can consistently generate referrals, earn trust, and deliver value to your clients and partners. For those new to the industry, Dustin strongly advises prioritizing mentorship and training opportunities over chasing high commission splits or signing bonuses. He underscores the importance of developing repeatable, disciplined habits and routines that drive long-term results. Above all, he urges listeners to treat mortgage lending as a serious, full-time profession not a side hustle or a quick way to make easy money. By embracing a mindset of professionalism, ongoing education, and service, Dustin believes that anyone willing to put in the work can build a rewarding and sustainable career in the mortgage industry.

In this episode you will hear: (22:22) Kate and Mark answer a question from a listener from the Northeast who wants to know (57:58) Mark interviews Daniel Chambliss, author of the book, "How College Works" on the topic of, what is the value of a Liberal Arts education Preview-Part 1 § Dan gives his backstory § Dan tells us what college does uniquely well § I share what college did for Karis and Joy, my daughters § Dan and I talk about what is behind the war against college § Dan talks about the experience of liberal arts graduates in their 20's vs in their 30's, 40's, 50's and 60's § Dan talks about the difference between going to college as a commuter vs having residential experience in college § Dan and I talk about how important is selectivity when choosing a college § Dan shares what a student should do to get the most out of college § Dan shares how do you find a good teacher at college (01:33:54) Mark interviews a current Wake Forest student Pryor Gilbert; they discuss what Wake Forest is really like-Part 2 of 2 Preview of Part 2 o Pryor tells us what she thinks are the top majors at Wake o I ask Pryor about six to eight common perceptions of Wake Forest that students I have worked with who have attended Wake often use to describe Wake and Pryor tells us if she agrees or disagrees with these wildly held stereotypes about Wake Forest o Pryor tells us the type of student she would recommend consider Wake Forest o Pryor also tells us about the type of student that may not be the best fit for Wake Forest o Pryor tells us what students like to do on the weekends at Wake o Pryor tells us if Wake is a hard place to be without a car o Pryor tells us what Wake's personality is like Recommended Resource Guide to help first year students complete the Common Application- Application guide for first-year students Speakpipe.com/YCBK is our method if you want to ask a question and we will be prioritizing all questions sent in via Speakpipe. Unfortunately, we will NOT answer questions on the podcast anymore that are emailed in. If you want us to answer a question on the podcast, please use speakpipe.com/YCBK. We feel hearing from our listeners in their own voices adds to the community feel of our podcast. You can also use this for many other purposes: 1) Send us constructive criticism about how we can improve our podcast 2) Share an encouraging word about something you like about an episode or the podcast in general 3) Share a topic or an article you would like us to address 4) Share a speaker you want us to interview 5) Leave positive feedback for one of our interviewees. We will send your verbal feedback directly to them and I can almost assure you your positive feedback will make their day. To sign up to receive Your College-Bound Kid PLUS, our new monthly admissions newsletter, delivered directly to your email once a month, just go to yourcollegeboundkid.com, and you will see the sign-up popup. We will include many of the hot topics being discussed on college campuses. Check out our new blog. We write timely and insightful articles on college admissions: https://yourcollegeboundkid.com/category/blog/ 1. To access our transcripts, click: https://yourcollegeboundkid.com/category/transcripts/ 2. Find the specific episode transcripts for the one you want to search for and click the link 3. Find the magnifying glass icon in blue (search feature) and click it 4. Enter whatever word you want to search. I.e. Loans 5. Every word in that episode when the words loans are used will be highlighted in yellow with a timestamps 6. Click the word highlighted in yellow and the player will play the episode from that starting point 7. You can also download the entire podcast as a transcript We would be honored if you will pass this podcast episode on to others who you feel will benefit from the content in YCBK. Please subscribe to our podcast. It really helps us move up in Apple's search feature so others can find our podcast. If you enjoy our podcast, would you please do us a favor and share our podcast both verbally and on social media? We would be most grateful! If you want to help more people find Your College-Bound Kid, please make sure you follow our podcast. You will also get instant notifications as soon as each episode goes live. Check out the college admissions books Mark recommends: https://yourcollegeboundkid.com/recommended-books/ Check out the college websites Mark recommends: https://yourcollegeboundkid.com/recommended-websites/ If you want to have some input about what you like and what you recommend, we change about our podcast, please complete our Podcast survey; here is the link: https://docs.google.com/forms/d/e/1FAIpQLScCauBgityVXVHRQUjvlIRfYrMWWdHarB9DMQGYL0472bNxrw/viewform If you want a college consultation, text Mark at 404-664-4340, or email us at yourcollegeboundkid@yahoo.com Text messages are preferred All we ask is that you review their services and pricing on their website before the complimentary session; here is link to their services with transparent pricing: https://schoolmatch4u.com/services/compare-packages/

In this episode of the Loan Officer Podcast, hosts Dustin Owen, Marketing Mike, and Special K engage in a lively and insightful debate centered around the popular saying, "the riches are in the niches," and whether this concept truly applies to loan officers in the mortgage industry. Dustin Owen takes the stance that the most successful and highest-producing loan officers tend to achieve their results by focusing on the core, mainstream loan products such as conventional loans, FHA loans, VA loans, and jumbo loans, rather than by specializing in narrow or highly specific loan niches. He argues that while niche products can be appealing, the bread and butter of a top producer's business comes from mastering and consistently delivering on these foundational loan types. On the other hand, Marketing Mike brings a different perspective to the discussion, drawing from his expertise in marketing strategy. He emphasizes the importance of identifying and targeting specific buyer personas, suggesting that loan officers can set themselves apart and grow their business by tailoring their marketing efforts to attract certain segments of the market. According to Mike, developing a niche can mean understanding the unique needs and preferences of a particular group of clients and crafting messages and services that resonate with them, ultimately leading to more effective marketing and stronger client relationships. As the conversation unfolds, Dustin offers a reframing of what it means to have a "niche" in the mortgage business. He suggests that a niche is not necessarily defined by the types of loan products a loan officer offers, but rather by the personality, service processes, and overall approach that naturally attract a certain type of client. Dustin cautions loan officers against constantly chasing after the latest trends or so-called "shiny objects" in the industry, warning that this can distract from the real opportunities that already exist within their current business and client base. Instead, he encourages loan officers to focus on refining their processes, building authentic relationships, and leveraging their unique strengths to serve the clients who are the best fit for their style and expertise. Ultimately, the episode provides valuable insights into how loan officers can think about niches, marketing, and long-term success in a competitive industry.   TLOP's Originator Coaching:

This is arguably the best real estate investing loan on the market today. It funds the purchase, renovation, closing costs, and up to six months of mortgage payments, so you're not on the hook when renovating a vacant property, all for 3.5% down.  Today's guest used it to put down just $9,000 on a house and, less than a year later, had $150,000 in equity. It changed his life and enabled him to become a real estate millionaire, even in an unaffordable market.  Matt Porcaro (AKA The 203k Way) was working in construction in America's most expensive market—New York City. He could only get preapproved for a loan of a few hundred thousand dollars, which doesn't buy much in NYC. When a local investor told him about the FHA 203(k) loan, his entire world opened up, and changed his trajectory forever. Now, he has over $1,000,000 in equity and over $2,000,000 in real estate—after just starting with $9,000. Today, Matt explains the 203(k) loan from start to finish—how much money you need to put down, how to get preapproved, finding contractors, paying for the renovation, what to know before you start, and a new change that makes it even more lucrative in expensive areas of the country. Beginners: This changes the game entirely.  In This Episode We Cover The best beginner real estate investing loan that only requires 3.5% down  Why getting a 203(k) loan is much less complicated than you think it is How Matt turned $9,000 into $150,000 in equity in less than a year  The exact steps to take when getting a 203(k) loan (easier method) A new change to the 203(k) loan that makes getting approved even easier  And So Much More! Check out more resources from this show on ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠BiggerPockets.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠h⁠⁠t⁠t⁠ps://www⁠.biggerpockets.com/blog/real-estate-1286⁠. Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠advertise@biggerpockets.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Learn more about your ad choices. Visit megaphone.fm/adchoices

Link Up w/The Morning Sickness Digitally All Over:Instagram: @hms_98_official, @bosskupd, @bretvesely, @dickToledoX/Twitter: @HMSon98, @DickToledo, @bretveselyFacebook: @HMSKUPDYouTube: @hmspodcast9320, @98kupdRequest/Call in/Wakeup Song line:(IN AZ) 602.585.9800More HMS: holmbergpodcast.com, 98kupd.comEmail: dtoledo@98kupd.com, bvesely@98kupd.com, bbogen@98kupd.comSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.