Podcasts about mortgage

Most buyers are not actually waiting for a lower mortgage rate.They are waiting for a monthly payment they can afford. In this episode, Tim and Julie Harris explain how real estate agents can help buyers and sellers think beyond the advertised interest rate. They break down permanent mortgage rate buydowns, temporary 2-1 buydowns, seller concessions, adjustable-rate mortgages, builder incentives, refinance strategies, and assumable loans. You will learn why negotiating the cost of financing can be more effective than negotiating only the purchase price, how listing agents can compete with new-construction incentives, and why automatically reducing the price may not be the seller's best option. Tim and Julie also discuss the true cost of waiting, the questions buyers should ask before choosing a mortgage, and how an existing low-rate assumable loan can become one of the strongest marketing features of a listing. The episode concludes with a look at the Dorado Beach Insider book and how agents can build a long-term authority brand around a specific neighborhood or community. This is the kind of practical financing and career training real estate agents need to navigate the 2026 market, create more opportunities, and build a business that does not depend on perfect market conditions. Free training: HarrisRealEstateDaily.com Coaching: PremierCoaching.com Join eXp + Libertas: WhyLibertas.com/Harris Text Tim Direct: 512-758-0206 Opinions are my own and not the views of eXp Realty.

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Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and three-time NAACP Image Award-winning television Executive Producer Rushion McDonald interviewed Booker T. Washington.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and three-time NAACP Image Award-winning television Executive Producer Rushion McDonald interviewed Booker T. Washington.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and three-time NAACP Image Award-winning television Executive Producer Rushion McDonald interviewed Booker T. Washington.

From bartending in Estes Park to golf lessons to running a multimillion-dollar CUSO, Michael Nagl's story proves that the best leaders take unexpected roads. He and Mark Ritter dig into mortgage-lending boom-and-bust cycles, why member service still beats automation, and how a niche auto-leasing program now serves credit unions nationwide. They also swap stories about golf at altitude and Estes Park, Colorado. Whether you run lending or just love a great career journey story, this episode of Credit Union Conversation delivers insight, humor, and real talk about building lasting credit union partnerships in a shifting rate environment.What You Will Learn in This Episode: ✅ How credit union lending partners like Centennial balance mortgage rate cycles with steady member service✅ Why member business loans and commercial real estate lending demand local market expertise✅ How indirect auto loans and leasing give credit unions a low-delinquency, high-yield product✅ What separates a true credit union partnership from a simple vendor relationshipSubscribe to Credit Union Conversations for the latest credit union trends and insights on loan volume and business lending! Connect with MBFS to boost your credit union's growth today.TIMESTAMPS: 00:00 Meet Michael Nagl, CEO of Centennial Lending, and learn about his ties to Estes Park, Colorado05:10 From bartending to golf pro, Michael's unconventional path into credit union lending12:19 Managing mortgage lending boom and bust cycles, including the 2023 workforce reduction16:02 Why member service still wins over automation in today's mortgage lending market22:56 Inside Centennial's member business loans and commercial real estate lending strategy29:53 How indirect auto loans and leasing became a niche win for the credit union service organization37:13 What makes a strong credit union partnership work, plus Centennial's four strategic pillarsKEY TAKEAWAYS:

Could a lender ever pull the rug and demand your mortgage back early? And should you be topping up your tenants' deposits every time the rent goes up? Your questions are tackled on this week's Ask Rob & Rob. (00:44) Josh wants to know, due to economic uncertainty, whether a lender could ever demand full repayment before the end of the term - even if he's never missed a payment. Rob B draws on experience from the last market crash to explain what lenders do when property values drop. (04:35) Luke rents in Hong Kong where deposit top-ups are standard practice. Should he be doing the same with his portfolio in the UK? Rob D explains the logic behind it, and what you need to get right if you do. 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

Divorce, Mortgages & Your Financial Future Episode Description Divorce is one of life's most emotional transitions, and it's also one of the most financially complex. In this episode, we discuss one of the biggest questions homeowners ask during a divorce: Can I buy a house or refinance while my divorce is still in progress? The answer isn't always simple. As a mortgage professional, I've helped clients navigate divorce-related home financing, and I've also seen emotional decisions create unnecessary financial setbacks. In this episode, I'll explain what lenders are really looking for, why your marital separation agreement matters, how child support and alimony affect mortgage qualification, and why rushing into a home purchase can sometimes do more harm than good. I also share a real client story about helping someone refinance their home during a divorce using a special circumstances refinance to remove a spouse from the mortgage. Whether you're currently going through a divorce, thinking about buying your next home, or simply want to better understand your mortgage options, this episode is packed with practical guidance that can help you make informed financial decisions. What You'll Learn • Can you qualify for a mortgage during a divorce? • What lenders need before approving your loan • Why debt-to-income ratio changes during divorce • How child support and alimony impact mortgage approval • Common financial mistakes divorcing couples make • Why emotions often create expensive mortgage problems • When refinancing may be the right solution • How to protect your financial future while navigating divorceIf you're going through a divorce and have questions about buying a home or refinancing your mortgage, I'd be happy to help you understand your options.

In this episode of the Loan Officer Podcast, host Dustin Owen is joined by Marketing Mike Siciliano and producer Karina Mojica for a comprehensive discussion on the ten most common areas where mortgage and financial services sales professionals often find themselves stuck or struggling to advance. Together, they dive deep into the recurring challenges that can hinder growth and success in the industry. The conversation covers a range of critical topics, including ineffective or poor calendar management, which can lead to missed opportunities and a lack of productivity, as well as the pitfalls of having an unfocused or scattershot referral strategy. They also address the consequences of inconsistent or infrequent asking for referrals, which can limit the growth of a professional's network and client base, and the risks associated with lacking clearly documented processes that ensure consistency and efficiency in daily operations. Throughout the episode, Dustin and Mike share a wealth of actionable advice and practical tips for overcoming these obstacles. They emphasize the importance of diligently tracking sales activity to identify patterns and areas for improvement, and discuss strategies for reinvesting in your business to foster long-term growth and stability. The hosts also encourage listeners to adopt a forward-thinking mindset, focusing on sustainable success rather than short-term gains, and to make the crucial shift from being a technician, someone who only works in the business, to becoming a true business operator who works on the business. By sharing real-world examples and proven strategies, the episode aims to empower loan officers, realtors, and financial advisors to recognize their own blind spots and take meaningful, practical steps toward achieving sustainable growth in their careers. Whether you're new to the industry or a seasoned professional, this episode provides valuable insights and guidance to help you break through common barriers and reach your full potential. TLOP's Originator Coaching:

As part of our Encore summer, we're bringing back this episode to help you make smarter, more confident money decisions. Is a 25-year mortgage really a bigger commitment than marriage? Keri and Erin share their own experiences of buying property before getting engaged, the pitfalls they didn't see coming, and the protections they'd insist on now. Erin has some smart financial wisdom for anyone considering mixing love and real estate. Join our online community: www.getthehelloutofdebt.com  Today's episode is brought to you by Quince. Go to quince.com/skye for free shipping on your order and 365-day returns.   Thanks to Mint Mobile for sponsoring today's episode. Cut your wireless bill to 15 bucks a month at mintmobile.com/skye. Leave us a voicemail message here: www.speakpipe.com/erinskyekelly  Purchase Get The Hell Out Of Debt and Naked Money Meetings online or from your favorite bookstore. Learn more about your ad choices. Visit megaphone.fm/adchoices

Success as a loan officer comes from building the right habits, learning from top performers, and consistently improving your craft.In this episode, we sit down with one of Takers Brokerage's newest loan officers after spending a week training in the office. They discuss what helped build confidence, the importance of surrounding yourself with experienced professionals, developing daily rituals, staying coachable, and creating a foundation for long-term success in the mortgage industry.Whether you're new to the business or looking to take your production to the next level, this conversation offers valuable insights into what it takes to grow as a mortgage professional.**Topics Covered:**• Loan officer training• Building confidence in sales• Mortgage broker success• Daily rituals and consistency• Learning from top producers• Mortgage career growth• Creating long-term successSubscribe for more loan officer training, mortgage broker coaching, recruiting insights, sales strategies, and behind-the-scenes content from Takers Brokerage._________________________________________________________________Interested in becoming a loan officer? The Mortgage Track is the training program that helped each of these Takers get started. Learn more at acezacademy.comSupport the show⚡READY TO BUILD A REAL CAREER IN SALES, MORTGAGES, OR LEADERSHIP?Apply here and choose your track. Already happy with your career? Grab the standalone products and trainings anytime inside the shop.

The  Moose on The Loose helps Canadians to invest with more conviction so they can enjoy their retirement. Today, we talk about what never happened: the Canadian bank mortgage apocalypse! It's all about Dividend growth investing! Subscribe to the best free dividend investing newsletter: https://thedividendguyblog.com/newsletter Get the 20 income products guide for retirees: https://retirementloop.ca/income/

Oil hit $120 a barrel during the last Iran conflict. Today it's sitting around $80... during the SAME kind of conflict. That gap is the whole story for where mortgage rates go next, and I break down exactly why in today's video.I also walk through the two things the Federal Reserve actually cares about (inflation and jobs), what last week's data really showed, and why I'm telling you there's basically a 100% chance the Fed does nothing at next week's meeting. Then I get into what I'm personally telling my clients to do right now if you're under contract, or if you're planning to buy later this year.Stick around to the end, I show you the exact tools I use every single day to track this stuff myself, and how you can use them too.

On the July 18, 2026 episode of the Hardcore Mortgage Real Estate & Business Show, we welcomed Michelle Saward of eXp Realty for an informative discussion about today's real estate market and the opportunities and challenges facing buyers, sellers, and investors.Michelle shared valuable insights on current market conditions, housing trends, and strategies for navigating an ever-changing real estate landscape. The conversation covered important topics for anyone considering buying a home, selling property, investing in real estate, or staying informed about the Michigan housing market.Hosted by the mortgage and real estate experts of the Hardcore Mortgage Show, this episode delivered practical advice and timely market knowledge to help listeners make confident real estate decisions.

This week, Brian and Tim are breaking down exactly why the Rock Solid Guaranteed Pre-Approval just got a major upgrade—and why sellers are actually excited about it. Plus, hear the wild story of a first-time buyer with just 3% down who crushed it in a competitive market. Spoiler: escalator clauses and strategic appraisal gaps are game-changers.But wait, there's more. If you've got a mortgage already, Tim's got some seriously smart refinancing moves up his sleeve. From Rate Busters that save you thousands in year one to fixed-rate second mortgages for that dream kitchen remodel—these guys cover the plays that actually work.Whether you're a first-time buyer tired of losing offers, a homeowner thinking about tapping your equity, or just curious about how the mortgage game really works, this is the show where complex gets simple and boring becomes actually useful.

This week on Henssler Money Talks, we're cutting through the noise to focus on the financial issues that could have the biggest impact on your decisions.We begin with a look at the latest market headlines—from CPI data and the start of earnings season to Federal Reserve testimony on inflation and uncertain progress in the U.S.–Iran ceasefire.Then we answer a listener's question many homeowners are asking: If you've locked in a 3% mortgage, should you stay put or move anyway? Sometimes the best financial decision isn't the right decision for your lifestyle. We'll also revisit some of the financial advice that has become accepted as fact and discuss how changing markets, interest rates, and modern lifestyles have challenged some of the guidance investors have heard for decades.Finally, we'll examine why Ponzi schemes continue to fool investors, the warning signs to watch for, and practical steps you can take to help avoid becoming a victim.Join hosts Nick Antonucci, CVA, CEPA, Director of Research, and Managing Associates K.C. Smith, CFP®, CEPA, and D.J. Barker, CWS®, and Kelly-Lynne Scalice, a seasoned communicator and host, on Henssler Money Talks as they explore key financial strategies to help investors navigate market uncertainty. Henssler Money Talks July 18, 2026  |  Season 40, Episode 29Timestamps and Chapters4:43: What's Moving the Markets?14:29: Is Now the Wrong Time to Move?25:06: Does Yesterday's Financial Advice Still Work Today?39:42: When an Investment Is Too Good to Be TrueFollow Henssler:  Facebook: https://www.facebook.com/HensslerFinancial/ YouTube:  https://www.youtube.com/c/HensslerFinancial LinkedIn: https://www.linkedin.com/company/henssler-financial/ Instagram: https://www.instagram.com/hensslerfinancial/ TikTok: https://www.tiktok.com/@hensslerfinancial?lang=en X: https://www.x.com/hensslergroup “Henssler Money Talks” is brought to you by Henssler Financial. Sign up for the Money Talks Newsletter: https://www.henssler.com/newsletters/ Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.See important disclosures at Henssler.com

This week on Home Sweet Home Chicago, David Hochberg is joined by Roy Spencer, CEO of Perma-Seal Basement Systems to talk about the difference between their Basement Defender device and a high-water alarm system. Then, David Saffrin of Sunrun Solar talks about helping customers during these recent storms and power outages. Next, Janelle Iaccino of Rose Pest […]

Featured on WGN Radio's Home Sweet Home Chicago on 07/18/26: Rose Pest Solutions' Marketing Director Janelle Iaccino, A.K.A. ‘The Bug Girl,' talks spiders and the underlying pest issues attracting them. Janelle highlights the Healthy Home Maintenance program for year-round protection. To learn more about Rose Pest Solutions and what they can do for you, go to rosepestcontrol.com or […]

Featured on WGN Radio's Home Sweet Home Chicago on 07/18/26: David Saffrin of Sunrun Solar joins the program to to talk about how Sunrun has been helping customers through all the recent severe storms. David also highlights their $1,000 referral bonus! To learn more about Sunrun Solar, go to www.gosunrun.com/wgn or call 224-458-7868.

Featured on WGN Radio's Home Sweet Home Chicago on 07/18/26: Roy Spencer, CEO and Founder of Perma-Seal, joins David Hochberg to talk about sunken and broken concrete. To learn more about Perma-Seal's services, go to permaseal.net or call 1-800-421-SEAL (7325).

Canada's housing market is entering another pivotal phase as slowing construction, rising financial stress, and government intervention increasingly shape the future of real estate. While the Bank of Canada has provided borrowers with welcome stability by holding interest rates steady for a sixth consecutive meeting, mounting evidence suggests the country's housing shortage could worsen before it improves. Housing starts are falling sharply, residential building permits continue to decline, and developers across Canada are struggling to secure financing, even for fully approved projects.Two years after British Columbia introduced mandatory municipal housing targets, the results are mixed. Several municipalities have exceeded their provincial obligations, while others remain significantly behind schedule. West Vancouver has completed just 37% of its required housing, raising the possibility that the Province could eventually exercise its authority to override local zoning decisions and approve developments directly. Such intervention would represent one of the most significant shifts in municipal planning authority in decades.Canada's lending environment is showing signs of greater stability, with the Bank of Canada maintaining its policy rate at 2.25%. Economic growth has begun to recover following a sluggish period, giving buyers and sellers more confidence around borrowing costs. However, inflation remains elevated, fuelled largely by food and energy prices, leaving policymakers cautious. Most economists expect rates to remain unchanged for the remainder of the year, although the possibility of another increase has not been ruled out should inflation accelerate again.Financial pressures within the development industry continue to intensify. Another major condominium project, this time a 310-unit waterfront development in Burlington, Ontario, has entered receivership after the developer failed to secure construction financing. The project had approvals, a desirable location, and planned housing supply, yet financing challenges ultimately brought construction to a halt. Similar stories are becoming increasingly common as higher interest rates, cautious lenders, and elevated construction costs reshape Canada's development landscape.Vancouver is simultaneously introducing sweeping changes to how new development will be funded. The City's proposed Amenity Cost Charge program replaces years of negotiated community contributions with standardized fees designed to create greater transparency and predictability. Officials estimate the program will generate hundreds of millions of dollars for future community amenities, although questions remain about whether additional development costs will further challenge an industry already grappling with shrinking margins and rising insolvencies.Technology is also beginning to transform housing approvals. Burnaby has become one of the first municipalities in Canada to deploy artificial intelligence to review residential building plans before permit submission. By automatically checking projects against zoning regulations, the City hopes to significantly reduce approval timelines and accelerate housing construction without replacing human plan reviewers. If successful, the initiative could become a model adopted across Metro Vancouver.Mortgage renewals are entering their most financially challenging period as homeowners who secured historically low rates during 2021 and 2022 begin refinancing at substantially higher borrowing costs. Monthly mortgage payments are increasing by roughly 24% for many households, contributing to rising consumer insolvencies and the highest level of homeowner bankruptcies seen in a decade. At the same time, Canada's total liabilities associated with insolvency filings have more than doubled over the past ten years, highlighting growing financial strain among households.Meanwhile, the pipeline of future housing continues to weaken. Residential building permits and housing starts have both posted significant year-over-year declines, reflecting reduced developer confidence and fewer new projects entering construction. Detached home construction in British Columbia has fallen to a fraction of historical levels, while asking rents continue to decline as record numbers of purpose-built rental units enter the market amid slowing population growth. Together, these trends illustrate a housing market undergoing significant structural change, with affordability gradually improving for some buyers even as long-term supply concerns continue to mount.Metro Vancouver's market remains subdued, with sales activity tracking below last year's already historically weak levels and home prices continuing to soften. Despite improving economic stability, the combination of constrained affordability, cautious buyers, and slowing development suggests Canada's housing market remains in a period of transition—one that will likely shape real estate conditions for years to come._________________________________ Contact Us To Book Your Private Consultation:

 Thinking about paying off your mortgage before retirement? Not so fast… Going into retirement debt-free sounds like the dream, but should you tap your retirement savings to make it happen? In this interview, Peter with Richon Planning and Erin Kennedy break it down  When it does make sense to pay off your mortgage  How to balance the numbers vs. peace of mind  Why pulling from retirement accounts could backfire  The hidden risks: taxes, reduced liquidity, and even higher Medicare premiums Bottom line: A paid-off house feels great… but the strategy behind it matters even more. Before you write that final check, give Peter a call at (919) 300-5886 or visit www.RichonPlanning.com

In this episode, mortgage industry veteran Dustin Owen delves into the reasons why many business professionals may find themselves struggling to achieve the results they desire. Drawing from over 20 years of hands-on experience in the mortgage sector, Dustin shares insights gained from building a billion-dollar mortgage operation from the ground up and personally assisting more than 2,000 families in realizing their dream of homeownership. Throughout the conversation, he identifies and explores five key barriers that often hold professionals back: appearance, communication style, lack of confidence, lack of experience, and limited visibility within their industry or community. Rather than simply recommending the latest sales scripts, trendy tools, or quick-fix strategies, Dustin emphasizes the importance of focusing on personal development as the foundation for long-term success. He explains that true growth and improved business outcomes begin with self-awareness and a commitment to continuous improvement. Dustin offers practical, actionable advice on how to present oneself professionally, including tips on attire, body language, and first impressions. He also discusses the critical role of clear and effective communication, sharing techniques for articulating ideas with confidence and connecting authentically with clients and colleagues. Furthermore, Dustin addresses the challenge of building confidence, especially for those who are new to the industry or stepping into leadership roles. He provides guidance on how to intentionally grow one's skills and knowledge base, stressing the value of ongoing education and learning from both successes and failures. Lastly, he highlights the importance of expanding one's network and increasing visibility, whether through community involvement, social media presence, or professional associations. By focusing on these core areas of personal and professional development, Dustin encourages listeners to take proactive steps toward unlocking better business results. He reminds his audience that sustainable success is rarely about shortcuts or gimmicks, but rather about cultivating the habits, mindset, and relationships that lead to lasting achievement in any field. TLOP's Originator Coaching:

Alex Gailey explains why 87% of homebuyers in 2025 overpaid for their mortgage, often costing them thousands of dollars each year. She breaks down how loyalty to lenders and financial confidence can lead buyers to accept worse terms, and shares practical strategies for securing a better deal through comparison shopping, negotiation, and understanding lender incentives.======== Schwab Network ========Empowering every investor and trader, every market day.Subscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – https://twitter.com/schwabnetworkFollow us on Facebook – https://www.facebook.com/schwabnetworkFollow us on LinkedIn - https://www.linkedin.com/company/schwab-network/About Schwab Network - https://schwabnetwork.com/about

On this episode of The Ty Brady Way, Ty sits down with Tom Richter, regional developer for Jan Pro of Utah, a commercial cleaning franchise that has grown under his leadership from a second mortgage and a two-person operation into a 125-franchisee network with a multi-million dollar economic footprint across the state. Tom's story is one that will resonate with anyone who has ever looked at a corporate career and wondered if there was something more, and then actually did something about it. Tom grew up in Nebraska as a farmer, which he describes as the original entrepreneurial proving ground. Risk, reward, and no guaranteed outcome were baked into his upbringing. He carried that mindset into a 21-year corporate career, but after surviving three mergers, acquisitions, and hostile takeovers, the writing was on the wall. Rather than find another company to work for, Tom started looking at what it would mean to finally bet on himself. A former boss had bought into Jan Pro down in Tampa, Tom flew out to meet the founders, and something clicked. Their core values lined up. By the time the flight home landed, his mind was made up. Seven of his eight siblings were entrepreneurs, and he realized he was not supposed to be working for anyone else either. Tom and his wife Carol took a second mortgage out on their home and purchased the rights to develop Jan Pro across the state of Utah, becoming only the 12th city to come on board with the brand and one of the first two locations in the entire Western United States. The first three to five years were exactly what you would expect from any startup. Tom was making sales calls, training new franchise owners, handling operations, and doing whatever needed doing while Carol managed the office while still working remotely for Intermountain Healthcare. Just the two of them for the first six months before bringing on their first hire. Today that team has grown to 12 support staff serving 125 franchise owners across Utah. The Jan Pro model is something Tom explains with a lot of clarity and obvious pride. Rather than sending franchise owners out to fend for themselves, Jan Pro handles the sales, the client contracts, the audits and inspections, the invoicing, and the collections. Franchise owners come to Tom knowing how much business they want to build, they get trained, and then the regional development team goes out and gets their clients for them. Tom compares it to being the general contractor while the franchise owner supplies the labor. It removes most of the barriers that cause small cleaning operations to fail, and it is why the people who follow the model consistently succeed. The success stories are hard to ignore. One franchise owner came in from Logan with just $950, the entry level at the time, starting with $500 a month in cleaning revenue. Twenty years later he is generating $40,000 a month and employs around 20 people, all while keeping his full-time job. Another owner arrived from Venezuela on refugee asylum status after losing three auto mechanic shops in Caracas to the political environment there. He is now Jan Pro Utah's largest franchise owner, on track to hit a million dollars in revenue in just his fifth year with around 35 employees. These are not outliers. They are what the model produces when people commit to it. Tom is candid about what gets people into trouble. The biggest issue is not the cleaning itself, it is management. A husband and wife team or a two-person operation can generally get to $75,000 or $100,000 in revenue on their own, but something shifts when they bring on employees. The expectation that an employee will care about the work the same way they do is where things start to fall apart. Without proper training, supervision, and ongoing engagement, it can unravel fast. His advice is direct: if you do not have strong business acumen, go get it before you need it, whether through SCORE or another resource that can fill in the gaps. Tom also touches on what it takes mentally to make the leap into franchising or any kind of business ownership. He believes roughly 90% of people want to start something of their own, but half of them talk themselves out of it when they honestly assess their risk tolerance and their ability to push through the hard early years. That self-awareness is not weakness, it is honesty, and Tom respects it. But for those who do have that fortitude, the Jan Pro model is structured to give them as much runway as possible to succeed. Looking ahead, Tom expects 20 to 30 percent year-over-year growth for the next five or more years and is on track to earn Gold Circle recognition among Jan Pro's top 20 offices worldwide. His son has been part of the business for 12 years and is moving into ownership, setting up a transition that will carry the business well beyond Tom and Carol's chapter. After 27 years of building, refining, and proving the model, the legacy looks like it is in good hands.   Connect with Tom Richter: Website: janpro.com/utah LinkedIn: linkedin.com/in/tomrichterutah   Connect with The Ty Brady Way: Email: thetybradyway@gmail.com Instagram: @thetybradyway   As always, share, like, and subscribe. We'll catch you on the next one.

Mortgage rates, inflation data, and Federal Reserve rate expectations all came together this week. Consumer inflation (CPI) and producer inflation (PPI) both came in negative, yet markets are still pricing in a possible Fed rate hike — Dan breaks down why the numbers and the Fed's next move don't seem to line up, what's coming next week before the Fed meeting, how oil prices tie into mortgage rates, and why he thinks rates could test their lows again soon.00:00 Intro: Why the Fed hike talk doesn't add up 01:35 This week's inflation and jobs data 03:45 What's coming next week before the Fed meets 05:45 Fed rate hike odds and closing outlook

This week on the AJ Bell Money & Markets podcast, Charlene Young and Danni Hewson unpack the latest developments in global markets, from oil price volatility and the Strait of Hormuz to US inflation, bank earnings and what it all means for interest rates. They also assess Rachel Reeves' latest Mansion House speech and the outlook for UK economic growth. Tom Sieber joins the show for a busy week of company news, with easyJet, Marks & Spencer, TikTok Shop, IBM, Barratt Redrow, PageGroup, Hays all making headlines. Plus, Charlene explores the fastest fall in mortgage rates for almost two years, reveals what the latest HMRC figures tell us about Britain's growing tax burden, and looks at where holidaymakers will get the most value from their spending money this summer.   Topics covered [00:08] Introduction & market roundup [02:09] Strait of Hormuz, oil prices and global trade [10:41] US inflation, bank earnings and interest rates [13:41] Rachel Reeves' Mansion House speech [15:50] easyJet update [17:23] Marks & Spencer and TikTok Shop [23:14] Buy Now, Pay Later regulation changes [25:26] Shares magazine highlights with Tom Sieber [27:33] IBM results and tech spending trends [30:07] PayPal takeover approach [32:28] Barratt Redrow update and shareholder returns [35:23] Recruitment sector outlook: PageGroup & Hays [38:01] Paramount-Warner Bros deal challenges [40:10] Mortgage rates fall sharply [42:00] HMRC tax data and fiscal drag [46:43] Holiday spending money: where the pound goes furthest

July 1st saw a change in auto insurance in Ontario and an increase in insurance prices. But what do the changes actually mean and how do these changes impact your finances? On episode #490 of “Let's Talk Money with Dave and Reb”, the cohosts encourage listeners to take these changes as encouragement to review other insurance or subscriptions that need changes or may not be relevant for meeting the needs of the household. Whether it's updating your will or making sure you aren't overpaying for house insurance, checking annually will save you both time, money, and stress down the road. Today's episode is sponsored by the Canadian National Christian Foundation which helps Canadians connect God's money with God's work. Through their Donor-Advised Funds, CNCF makes giving simple and impactful, so you can focus on supporting the causes that matter most. Learn more about how they can help you CNCF.ca To order Reb's book Cultivating Trust Expanded Edition: Finding God's Hope and Freedom for Your Finances, go to https://www.amazon.ca/dp/1998412164/ref=sr_1_3?crid=XUVAMAN0TFEY&dib=eyJ2IjoiMSJ9.8x0mkzEbAurMet_Q02DjC1uI9_HBqWQlnPySUgf62Ik9smNv5IQUJVSYBOXp4dhvsmfU3vzJivqJWwrvkTfyLe4uDWay18JChGQ1QWENY4FXHjdhLEkWMLQT8BHP9Lz18vRbIHFrvkyO6ocnHFx7rS2jtZ7WVzmIhw0U7cFRtGtRdvaw7gj3W2qigq_7EBTDZBOEfMVxxeuk405kn921-o-irE3XdWX2KrJ8e0G9W1usTiTi2j-EANx4MC_ygttzlzwj_1qmQC8MCk5LxF6jXTDr1ETe1v3O1q5o0rO4H2g.pybaC103ktXcDYR0puZtPXOBpswpMjPmU0vYc-KTAnc&dib_tag=se&keywords=cultivating+trust&qid=1732127878&sprefix=cultivating+trust%2Caps%2C117&sr=8-3. To read the article mentioned on today's show, you can find it here: https://secure.campaigner.com/csb/Public/show/e7a4-317njv--1d62qn-l05v2sq5 Listen to the story of Reb's friend, Patty Grose, and her journey of losing her husband without a will in place. Go here: https://morethanenough.ca/2022/07/22/a-story-of-hope-with-patty-grose/ #morethanenough #finances #money #financialfitness #insurance

Get your ticket for The Gathering! Use code FIRST50 for 50% off - https://stan.store/AlignedAgent/p/the-gathering--tz4xi2mgInterested in generating more deals from referral relationships? Learn more here - https://proinsight.info/faithfulHave questions or need help?

The Federal Reserve may not cut interest rates in 2026 after all—and that could have major consequences for taxpayers, homeowners, businesses and anyone carrying debt. In this episode of Everyday Economics, Center Square Publisher Chris Krug sits down with economist Dr. Orfe Divungi to explain why inflation remains stubborn, how tariffs, housing costs and record federal deficits continue to pressure the economy, and why the Federal Reserve may have little choice but to keep borrowing costs elevated. Topics include: Why inflation may stay above the Fed's 2% target How tariffs continue pushing prices higher Why housing costs are becoming an inflation problem again The impact of federal deficits on interest rates Mortgage rates, credit card debt and business loans What this means for taxpayers and the U.S. economy If federal borrowing continues to rise, taxpayers could face higher financing costs throughout the economy, making homes, vehicles and everyday purchases more expensive while increasing the long-term burden of servicing the national debt. Subscribe for daily reporting on government spending, fiscal policy, state government, taxes and the economic issues affecting Americans.   #FederalReserve #InterestRates #Inflation #Economy #Taxpayer #FederalDebt #GovernmentSpending #MortgageRates #Finance #Economics #FederalDeficit #InflationNews #BusinessNews #TheStates #CenterSquare   Support this podcast: https://secure.anedot.com/franklin-news-foundation/ce052532-b1e4-41c4-945c-d7ce2f52c38a?source_code=xxxxxx Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

The AP's Alex Veiga has the latest on mortgage rates.

Vice President of Lending for Team Hochberg at Atlantic Coast Mortgage and host of WGN's “Home Sweet Home Chicago” David Hochberg joins Bob Sirott to discuss why home prices are increasing despite the higher mortgage rates and the differences between an FHA and VA loans. He hosts “Home Sweet Home Chicago” on Saturdays from 10am […]

Mortgage rates have reached a one-year high, adding to the financial pressure facing prospective homebuyers. The Federal Reserve's upcoming interest rate decision could influence whether borrowing costs rise or fall in the weeks ahead. Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.

Think you're stuck with your mortgage? You might have more options than you realise.In this episode, Mike and James break down what to do if you can't refinance your mortgage, including how to negotiate with your current bank, when breaking a fixed rate makes sense, cash retention payments, low equity traps, and the simple strategies that could save you thousands without switching lenders.Next Steps: If you're unsure whether you can refinance or simply want to know if you're getting the best deal the Lighthouse mortgage team can review your options and help you build a strategy that works for your situation.For more money tips follow us on:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Facebook⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions.

In this episode, Gaetano Mortati shares insights into his business of providing mortgage services for foreign buyers in Italy, including challenges, opportunities, and growth strategies.   Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:  Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership:  Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true 'white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright:  Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a "mini-mastermind" with Mike and his private clients on an upcoming "Retreat", either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas "Big H Ranch"? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform!  Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------

Record home prices. Mortgage rates at a nearly one-year high. And somehow, buyers have more negotiating power across much of the country. The 2026 housing market is splitting by income, geography, and inventory—and the national headlines are hiding it. In this live episode of tWiRE, we're asking the question behind all the conflicting data: Is this finally a buyer's market, or only for the shrinking group of buyers who can still afford to participate? A new federal housing law promises to increase supply, reduce barriers to construction, and limit large institutional investors. But housing policy moves slowly, while mortgage rates, inflation, inventory, and local demand are changing the market right now. In this live episode, we'll cover: What the 21st Century ROAD to Housing Act actually changes for buyers, sellers, builders, and investors Why mortgage rates climbed despite a softer inflation report How home prices can hit a record while Miami, Nashville, and major Texas markets favor buyers Why weather, climate concerns, and college-town demand are reshaping migration and home values What "worst states to live" rankings miss about affordability, growth, and housing demand Compass expanding its Zillow fight through regulators, MLSs, and Realtor associations NAR's guidance for office exclusives, Coming Soon listings, and broker disclosures Keller Williams' planned acquisition of the 1,200-agent Jason Mitchell Group—and what it says about consolidation and lead-generation power Join live on our YouTube channel, every Wednesday at 12 PM CST!

You can have the best sales training, the best scripts, and the best strategy, but none of it matters without execution.In this episode, Ace explains why execution is the skill that separates top performers from everyone else. From mastering your morning routine and protecting your focus to responding faster, embracing objections, and staying disciplined, success comes from consistently doing the work that moves your business forward.If you're looking to improve your sales performance, increase consistency, and develop the habits that produce long-term success, this training is for you.Topics Covered:• Sales execution• Building consistent habits• Sales discipline• Objection handling• Morning routines• Deep work and focus• Sales mindset• Lead follow-up• Time management• LeadershipSubscribe for more sales training, leadership development, communication strategies, and business growth content.Support the show⚡READY TO BUILD A REAL CAREER IN SALES, MORTGAGES, OR LEADERSHIP?Apply here and choose your track. Already happy with your career? Grab the standalone products and trainings anytime inside the shop.

Vlad cheats death as his tyre explodes off his car on the highway with the family, keeping all feelings down in his balls, meeting Sean & Sam the tow truck drivers, working with Mechanics and trying to zone out. DNA DISTILLERY (AWARD WINNING RAKIJA)Award winning Rakija company with immaculate celebratory beverages. Check out the entire range on the below websites, order a tasting pack or some of their flagship, amazing rakija today!https://www.dnadistillery.comCARDSTRIKE! Amazing Basketball cards, Michael Jordan memorabilia and everything collectable sports card buying and selling!!!https://www.cardstrike.com.auROYAL STACKS! (IMMACULATE BURGERS)Melbournes Greatest Burgers!Royal Stacks is a booming burger chain in Victoria with classic burgers, shakes and more, with a 90s vibe and high quality food!https://www.royalstacks.com.auMETROPOLITAN STONE (Kitchens, Cabinets, Laundry, All Cabinets)We have a combined 30 years experience in the cabinet making industry in Victoria! Everything from small projects to large projects!Benchtop change overs, Kitchen facilities, Kitchens, Laundries, Bathroom cabinets, T.V units, Wardrobes etc!MENTION: VLADContact: MATT 0425797488Matthew@metropolitanstone.com.auhttp://www.metropolitanstone.com.auORANGE LEGAL GROUP (Specialising in Property law for purchasing and selling, conveyancing, in-house Mortgage broker & Chartered Account! One stop shop for ALL property needs! Wrap! FREE Contract reviews for buyers before purchasing property!Mention VLAD!https://www.orangelegalgroup.com.auEmail: property@orangelegalgroup.com.auContact: mycousinvlad@gmail.comhttp://www.instagram.com/mycousinvladSend Vlad a Text MessageSupport the showBE GOODDO GOODGET GOOD

Mortgage rates climbed back to 6.49%, existing home sales slowed, and the latest jobs report offered new clues about where the economy—and interest rates—could be headed next.   In this episode of Real Estate News for Investors, Kathy Fettke breaks down the three biggest economic stories of the week and explains what they mean for real estate investors. Learn why mortgage rates are rising, how tight housing supply is keeping home prices elevated despite slower sales, and why a cooling labor market could influence the Federal Reserve's next move.   Get your FREE PDF at www.Realwealth.com/AffordableMarkets   Sources: https://www.bls.gov/news.release/archives/empsit_07022026.htm?utm_source=chatgpt.com https://apnews.com/article/interest-rates-home-sales-29c907cc408cf7f88a8fcb3292150b1f https://www.realtor.com/news/trends/existing-home-sales-nar-june-2026/?utm_source=chatgpt.com

Brandon Sedloff and Elizabeth Burton explore the shifting landscape of institutional investing, macro strategy, and the growing case for credit over traditional private equity allocations. Burton brings a unique perspective shaped by her time as an allocator at the Maryland State Retirement System and as CIO of the Employees' Retirement System of Hawaii before joining Fortress Investment Group as chief strategist. The conversation touches on her unconventional path into finance, the lessons she learned managing public pension capital, and why she believes floating rate credit deserves a larger role in institutional portfolios. They discuss: - Why floating rate credit offers better downside protection and fee alignment than private equity in a higher-rate environment - How debt monetization and money supply growth could push inflation back above 4% by year-end - Why AI is creating a divide between investors who can move quickly on co-investment opportunities and those constrained by governance structures - The consumer credit opportunity in prime and near-prime segments that many institutional investors are overlooking - How anchoring investment strategy to a single variable like the 10-year Treasury can simplify decision-making across asset classes This episode offers a clear-eyed view of the challenges facing institutional investors in the 2030s and the strategic shifts required to meet return targets in a persistently higher rate world. Topics: (00:00:00) - Intro (00:02:30) - Elizabeth Burton's early life and path to finance (00:03:50) - From horse farm to Wall Street (00:06:10) - College choice and French politics major (00:09:08) - First finance role and Santa Barbara internship (00:12:16) - Mortgage-backed securities and Chicago MBA (00:15:55) - Baltimore payments consulting detour (00:19:37) - Transition to LP side at Maryland Retirement (00:26:20) - Becoming CIO in Hawaii (00:32:30) - Joining Fortress as chief strategist (00:35:25) - The strategist role and economics anchor (00:41:00) - Fortress overview and consumer focus (00:44:10) - Inflation outlook and floating rate credit case (00:47:20) - The bunker portfolio thought experiment (00:51:30) - AI creating investor haves and have-nots (00:54:30) - Closing Links:   Brandon Sedloff     LinkedIn — https://www.linkedin.com/in/bsedloff/     Website — https://brandonsedloff.substack.com/  Elizabeth Burton     LinkedIn — https://www.linkedin.com/in/elizabethtburton/ Companies:   Fortress Investment Group — https://www.fortress.com/investors/financial-advisors   Juniper Square — https://junipersquare.com

Joel Battige of Six33 Mortgage, a mortgage brokerage serving Central Virginia, shares his 21-year journey in the lending industry, his move from Florida to Central Virginia, and the challenges of building trust with local real estate professionals as a newcomer.In this episode, Joel debunks the common myth that homebuyers need a 20% down payment and explains why clear communication is the foundation of every successful client relationship. He also discusses how the CVABC has supported the growth of his business and emphasizes the importance of supporting local businesses to strengthen the community.

In this comprehensive mid-year review episode of the Loan Officer Podcast, host Dustin Owen is joined by Marketing Mike and producer Karina "Special K" Mojica to provide an in-depth recap of the first half of 2026 and share their insights for the remainder of the year. The trio delves into the ongoing unpredictability of interest rates, exploring how fluctuating rates have impacted both homebuyers and mortgage professionals across the country. They also examine persistent regional inventory challenges, highlighting how limited housing supply continues to shape market dynamics and create hurdles for both buyers and sellers. Additionally, the team discusses the trend of flat home price growth in many markets, analyzing the factors contributing to this stabilization and what it could mean for the industry moving forward. Throughout the episode, Dustin emphasizes the importance of building resilient business strategies that can withstand market volatility. He encourages listeners to embrace artificial intelligence as a valuable tool for streamlining operations, improving client experiences, and staying ahead of the competition. The conversation also covers the necessity of diversifying referral sources, with practical tips on expanding professional networks and cultivating new partnerships to drive business growth. As the episode draws to a close, the team shifts focus to their highly anticipated TLOP Unite Caribbean Takeover cruise conference, set to take place in September. They invite mortgage professionals from across the industry to join them for this unique event, which promises opportunities for networking, professional development, and personal growth. With an eye on the future, Dustin, Mike, and Karina encourage their audience to leverage these connections and insights to successfully navigate the evolving mortgage landscape as they head into 2027. TLOP's Originator Coaching:

In this episode, Jon Wilson, a seasoned mortgage professional, shares his insights on ethical lending, effective marketing, and building a successful real estate finance business. Discover practical tips on transparency, relationship building, and navigating industry challenges.   Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:  Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership:  Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true 'white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright:  Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a "mini-mastermind" with Mike and his private clients on an upcoming "Retreat", either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas "Big H Ranch"? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform!  Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------

Success in the mortgage industry is built on one thing: execution.In this training, Ace shares the habits, mindset, and daily disciplines that separate top-producing loan officers from everyone else. Learn how to manage your leads, build stronger client relationships, stay organized, maintain consistent follow-up, and execute every day regardless of the circumstances.Whether you're struggling with lead conversion, follow-up, prospecting, or simply staying disciplined, these principles will help you build a stronger mortgage business over the long term.Topics Covered:• Mortgage lead management• Loan officer mindset• Follow-up strategies• Client relationship building• Daily sales habits• Mortgage sales training• Personal branding for loan officers• Consistency and executionSupport the show⚡READY TO BUILD A REAL CAREER IN SALES, MORTGAGES, OR LEADERSHIP?Apply here and choose your track. Already happy with your career? Grab the standalone products and trainings anytime inside the shop.

What if you could skip the property altogether and buy the debt instead? In this episode, we sit down with Scott Carson — known throughout the industry as "The Note Guy" — to unpack the world of mortgage note investing.Scott has spent years teaching investors how to buy distressed and performing notes directly from banks, effectively stepping into the bank's shoes. Instead of managing tenants, toilets, and turnover, note investors earn income when a borrower pays — or create profit by restructuring the loan when they don't.We dig into how note investing actually works, the difference between performing and non-performing notes, how to source deals directly from lenders, and why Scott believes this is one of the most misunderstood asset classes in real estate. Whether you're a seasoned operator looking to diversify or a newer investor curious about creative paths into the space, this conversation opens up a side of real estate most people never think to explore.Get your copy of Rick Segal's book, The Heart of It here: https://amplifypublishinggroup.com/product/nonfiction/business-and-finance/entrepreneurship/the-heart-of-it/Read Rick Segal's blog: https://impactinvestorsegal.com/blog

By popular demand, one of The Lo Life's most requested conversations is back. With so many listeners asking for this episode...and with the timing feeling more relevant than ever, there's never been a better moment to revisit this eye-opening discussion.We've all been handed the same blueprint for a successful life: get married, buy a house, have kids, retire someday. But what if that path isn't yours—and what if your financial plan shouldn't be either?Lo is joined by Dr. Jay Zigmont, PhD, MBA, CFP®, bestselling author, founder of Childfree Wealth®, and one of the nation's leading financial planners specializing in childfree adults. Featured in Forbes, Fortune, and The Wall Street Journal, Dr. Jay has helped thousands of people rethink everything they've been taught about money, retirement, investing, insurance, and building wealth on their own terms.Together, they unpack why more people are choosing to live childfree, how that decision changes nearly every financial rule we've accepted as “normal,” and what everyone—parents included—can learn from questioning those assumptions. From investing and retirement planning to wills, life insurance, cryptocurrency, and creating a lasting legacy, this conversation is packed with practical advice, eye-opening insights, and refreshing perspectives that challenge conventional wisdom. Whether you're childfree by choice, by circumstance, or simply looking to make smarter financial decisions, this episode will leave you thinking about your future in a whole new way.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

In this first installment of a two-part conversation, host Darius Mirshahzadeh reconnects with longtime friend and industry veteran Jon Irvine, founder and CEO of Westcove Development. The two pick up where they left off after years apart, a reunion sparked when Jon accidentally discovered Darius's podcast while stuck in LA traffic. What follows is a deeply personal and wide-ranging conversation covering Jon's biracial upbringing, his accidental entry into mortgage finance, a landmark $1.3 billion sale to Merrill Lynch 90 days before the 2008 financial crisis, the personal losses that forced him to rethink his legacy, and the unexpected signs that led him to launch a real estate development company. This episode is equal parts origin story, life philosophy, and housing industry insight with plenty of laughs along the way. In this episode, Darius and Jon will discuss: (00:00) Introduction and First Impressions (02:36) The Power of Personality Over Looks (05:25) The Impact of Generosity in Relationships (08:07) Reconnecting and the Journey to Podcasting (10:55) Background and Early Life of Jon Irvine (13:31) Transitioning from Finance to Housing Development (21:57) The Journey into Mortgages (27:59) Building a Successful Mortgage Company (32:12) Navigating the 2008 Financial Crisis (37:42) Understanding Generational Wealth Disparities (41:43) Transitioning to Real Estate Development Jon Irvine is the Founder and CEO of Westcove Development, a Southern California real estate development firm specializing in design-forward, small-lot single family homes in high-demand, supply-constrained markets. Drawing on California's evolving housing legislation — including SB1123 — Westcove manages the full development lifecycle from acquisition and entitlement through construction and sale. Jon brings nearly three decades of senior executive experience in residential finance, having held leadership roles at Change Lending, Banc of California, OneWest Bank (under CEO Steven Mnuchin), and Mr. Cooper/Nationstar, where he led initiatives across capital markets, production, and strategic growth. Through Westcove, he channels deep institutional finance expertise into scalable residential development built to meet California's urgent housing needs. Connect with Jon: LinkedIn: https://www.linkedin.com/in/jonirvine/  Facebook: https://www.facebook.com/p/Westcove-Development-61572683421911/  Connect with Darius: Website: https://therealdarius.com/ Linkedin: https://www.linkedin.com/in/dariusmirshahzadeh/ Instagram: https://www.instagram.com/imthedarius/ YouTube: https://www.youtube.com/@Thegreatnessmachine  Book: The Core Value Equation https://www.amazon.com/Core-Value-Equation-Framework-Limitless/dp/1544506708 Write a review for The Greatness Machine using this link: https://ratethispodcast.com/spreadinggreatness.  Learn more about your ad choices. Visit megaphone.fm/adchoices