Podcasts about mortgage

Mortgage rates dipped below 6% last week. Now, they're back up. Sudden conflict and uncertainty almost always cause volatility in the mortgage market. This time, fears of inflation and higher oil prices are to blame. Also, a look at how the U.S. might protect and insure vessels traveling through the Persian Gulf, and how the Republican tax and spending law signed last summer might help big corporations like Amazon, Meta, and Tesla avoid paying taxes.

Mortgage rates have dropped below 6% and inventory is shifting, so David Sidoni answers eight of the most common questions first-time buyers are asking about today's housing market. Mortgage rates have recently dropped to 5.99%, the lowest level seen since August 2022. Current housing data also shows 44% more sellers than buyers, creating potential leverage for buyers in many markets. In this episode, David Sidoni answers eight of the most common questions first-time homebuyers are asking about mortgage rates, affordability, and market timing. The goal is to help buyers understand today's market so they can make confident decisions instead of relying on outdated advice. “Affordability is at its best in a long, long time.” Highlights• What are the best mortgage rates available right now for first-time buyers?• Why does having more sellers than buyers matter for your home search?• How do shifting mortgage rates affect affordability in today's market?• Is now actually a better time to buy than many people realize?Check out our updated 2026 First Time Homebuyer's Episode Guide - Over 100 of our BEST Episodes of Detailed Homebuying Knowledge, Interviews, and MORE! Connect with me to find a trusted realtor in your area or to answer your burning questions!Subscribe to our YouTube Channel @HowToBuyaHomeInstagram @HowtoBuyAHomePodcastTik Tok @HowToBuyAHomeVisit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit!David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer. Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!

Criminal Mischief The Kouri Richins Trial: Grief, Image, and Allegations The case of Kouri Richins first captured national attention for its emotional narrative — a Utah mother who wrote a children's book about grief to help her young sons cope with the sudden death of their father. Now, as the case moves through the courts, prosecutors are presenting a very different story. In this episode of Criminal Mischief, Carolyn Ossorio breaks down the latest developments in the ongoing trial, examining the evidence, the timeline, and the troubling questions surrounding the death of Eric Richins. Because behind the public image of loss and healing, investigators say there may have been something far more calculated at work. Charges Against Kouri Richins     •    Aggravated murder in connection with the death of her husband, Eric Richins     •    Attempted aggravated murder related to a prior alleged poisoning attempt     •    Possession of a controlled substance with intent to distribute     •    Mortgage fraud and financial crimes connected to alleged efforts to secure loans and financial gain Key Allegations Prosecutors Are Presenting     •    Eric Richins died from a lethal dose of fentanyl     •    Investigators allege Kouri obtained the drugs through an acquaintance     •    Evidence suggests a prior incident in which Eric became ill after consuming a drink prepared by Kouri     •    Financial records indicating significant debt, insurance policies, and real estate pressures     •    Digital evidence and witness testimony related to the acquisition of fentanyl The defense maintains Kouri's innocence, and the case remains ongoing as both sides present their arguments. In this episode:     •    The timeline leading up to Eric Richins' death     •    The prosecution's theory of motive and planning     •    What investigators say changed the case from tragedy to homicide     •    The legal strategy unfolding in court     •    Why this case continues to draw national attention Because sometimes the most powerful stories aren't the ones told publicly. They're the ones that emerge when investigators start asking harder questions. If today's episode stayed with you: ⭐ Follow and subscribe to Criminal Mischief so you don't miss new episodes

Criminal Mischief The Kouri Richins Trial: Grief, Image, and Allegations The case of Kouri Richins first captured national attention for its emotional narrative — a Utah mother who wrote a children's book about grief to help her young sons cope with the sudden death of their father. Now, as the case moves through the courts, prosecutors are presenting a very different story. In this episode of Criminal Mischief, Carolyn Ossorio breaks down the latest developments in the ongoing trial, examining the evidence, the timeline, and the troubling questions surrounding the death of Eric Richins. Because behind the public image of loss and healing, investigators say there may have been something far more calculated at work. Charges Against Kouri Richins     •    Aggravated murder in connection with the death of her husband, Eric Richins     •    Attempted aggravated murder related to a prior alleged poisoning attempt     •    Possession of a controlled substance with intent to distribute     •    Mortgage fraud and financial crimes connected to alleged efforts to secure loans and financial gain Key Allegations Prosecutors Are Presenting     •    Eric Richins died from a lethal dose of fentanyl     •    Investigators allege Kouri obtained the drugs through an acquaintance     •    Evidence suggests a prior incident in which Eric became ill after consuming a drink prepared by Kouri     •    Financial records indicating significant debt, insurance policies, and real estate pressures     •    Digital evidence and witness testimony related to the acquisition of fentanyl The defense maintains Kouri's innocence, and the case remains ongoing as both sides present their arguments. In this episode:     •    The timeline leading up to Eric Richins' death     •    The prosecution's theory of motive and planning     •    What investigators say changed the case from tragedy to homicide     •    The legal strategy unfolding in court     •    Why this case continues to draw national attention Because sometimes the most powerful stories aren't the ones told publicly. They're the ones that emerge when investigators start asking harder questions. If today's episode stayed with you: ⭐ Follow and subscribe to Criminal Mischief so you don't miss new episodes

In this episode of The Loan Officer Podcast, host Dustin Owen is joined by co-host Laura Zuluaga and producer Karina Mojica for an engaging and insightful conversation centered around strategies for mortgage loan originators who are experiencing burnout or have hit a plateau in their careers. Dustin kicks off the discussion by introducing his comprehensive and proven 12-step program, which is designed to help loan officers reignite their passion and drive for success. He emphasizes the importance of establishing strong foundational habits, building and nurturing meaningful relationships, and leveraging authentic storytelling to connect with clients and referral partners on a deeper level. Throughout the episode, the team delves into a variety of topics relevant to mortgage professionals, sharing personal anecdotes from their own journeys in the industry. They offer practical sales tips that can be implemented immediately, such as effective follow-up techniques, time management strategies, and ways to stand out in a competitive market. Laura and Karina contribute their unique perspectives, highlighting the significance of networking—both online through social media platforms and in-person at industry events—as a key component of sustained career growth. In addition to the actionable advice, the hosts inject the conversation with their signature lighthearted banter, making the episode both informative and entertaining. They also take a moment to announce an exciting upcoming industry cruise event, inviting listeners to join them for a unique opportunity to learn, connect, and unwind with fellow mortgage professionals. The episode underscores the value of ongoing learning, professional development, and being part of a supportive community. Blending motivation, real-world guidance, and a sense of camaraderie, this episode offers a comprehensive and encouraging roadmap for mortgage loan originators seeking to overcome challenges, reignite their enthusiasm, and achieve new levels of growth and fulfillment in their careers. Whether you're a seasoned veteran or just starting out, you'll find inspiration and practical tools to help you thrive in the ever-evolving mortgage industry. Super Bowl Recap & Halftime Show (00:00:15) Sponsor Segment: Lower Mortgage (00:05:45) Dustin's Mortgage Bootcamp Background (00:08:00) Step 1: Habit Formation & Time Tracking (00:10:55) Step 2: Mastering the Basics & Dominating the Ones (00:16:46) Step 3: Scripting & Role Playing (00:22:25) Step 4: Discovering Your Signature Story (00:23:14) Sponsor Segment: First Home IQ Advocacy Event (00:25:10) Step 5: Online Networking & Social Media (00:31:55) Step 6: Class Choice & Community Building (00:33:28) Step 7: Leveraging Products to Open Doors (00:35:34) Step 8: Leveraging Events for Branding (00:39:12) Sponsor Segment: T Labs Originator Coaching (00:41:51) Step 9: Mastering Lead Conversion (00:43:03) Step 10: Blueprint for Success & Routine Building (00:45:26) Step 11: Business Planning (00:47:04) Step 12: Graduation & Referral Partner Pyramid (00:47:58) Top Cruise Event Details (00:50:02) Episode Wrap-Up & Farewell (00:52:13) TLOP's Originator Coaching: https://tloponline.com/mlo-coaching-programs/ Loan officer looking for a new place to call home?

Investors believe that the stock market is the best path to long-term wealth, and the historical data backs them up. But how much does history matter in an ever-changing investing landscape, and which past trends are likely to persist? Robert Brokamp speaks with Ryan Detrick, the Chief Market Strategist at Carson Group and a regular source of insightful and fun stats about stocks.Also in this episode:-Markets all over the world are in a bull market, and a record number of stocks in the S&P 500 are outperforming the index-Mortgage rates drop to four-year lows as home price growth slows-How many calendar years has the stock market declined more than 10%?-Tackle your financial tasks by having a “financial health week” as we recently did at The Motley FoolHost: Robert BrokampGuest: Ryan DetrickEngineer: Bart Shannon Disclosure: Advertisements are sponsored content and provided for informational purposes only. The Motley Fool and its affiliates (collectively, “TMF”) do not endorse, recommend, or verify the accuracy or completeness of the statements made within advertisements. TMF is not involved in the offer, sale, or solicitation of any securities advertised herein and makes no representations regarding the suitability, or risks associated with any investment opportunity presented. Investors should conduct their own due diligence and consult with legal, tax, and financial advisors before making any investment decisions. TMF assumes no responsibility for any losses or damages arising from this advertisement.We're committed to transparency: All personal opinions in advertisements from Fools are their own. The product advertised in this episode was loaned to TMF and was returned after a test period or the product advertised in this episode was purchased by TMF. Advertiser has paid for the sponsorship of this episode.Learn more about your ad choices. Visit ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

The credit market's terrible, horrible, no good, very bad week finishes off with yet another bankruptcy and more losses for the big Wall Street names. Worse, it's the same thing yet again: fraud and fake collateral. Plus, more bad news among BDCs has shares down. Dealer banks, however, continue to prepare for not only what we're seeing now, but looking ahead beyond it. Eurodollar University's Money and Macro AnalysisJoin us for our free webinar Thursday March 26, 2026 at 6pm ET. With credit market developments escalating even more, and major market moves accompanying them, we're going to go over where everything stands but also look forward at the potential scenarios coming out of what continues to look like a global bust. Sign up below:https://eurodollar-university.com/home-page-webNew Credit Blowup in London Has Wall Street Chasing Billionshttps://www.bloomberg.com/news/articles/2026-02-26/a-new-credit-blowup-in-london-has-wall-street-chasing-billionsMFS Creditors Warn of £930 Million Shortfall From Double Pledgeshttps://www.bloomberg.com/news/articles/2026-02-27/mfs-creditors-warn-of-930-million-shortfall-from-double-pledgesFS KKR Private Credit Fund Plunges to 2020 Low as Bad Loans Bitehttps://www.bloomberg.com/news/articles/2026-02-26/fs-kkr-private-credit-fund-cuts-dividend-amid-rise-in-bad-loans

In this week's episode of The Wrap, Chris Whalen breaks down the unraveling of private credit and why retail investors were never suitable for these investments in the first place. He explains how private credit shops have quietly gained access to Federal Home Loan Bank funding through insurance company acquisitions — a taxpayer-subsidized arrangement he finds extraordinary and plans to investigate further. On markets, Chris argues liquidity will be the defining theme of 2026, with money rotating out of speculative and private assets back into public markets. He also flags early warning signs in consumer credit, names the specific companies to watch for deterioration, and explains why the mortgage market needs rates to fall further before any real pickup in activity. On precious metals, Chris details a seismic secular shift underway as India joins China in moving away from COMEX pricing toward Asian markets — and warns that if COMEX cannot deliver physical metal against futures contracts, it could be forced out of the business entirely.Use the code TheWrap2026 for 25% off your first year of The Institutional Risk Analyst https://www.theinstitutionalriskanalyst.com/plans-pricingLinks:    The Institutional Risk Analyst: https://www.theinstitutionalriskanalyst.com/  Inflated book (2nd edition): https://www.barnesandnoble.com/w/inflated-r-christopher-whalen/1146303673Twitter/X: https://twitter.com/rcwhalen    Website: https://www.rcwhalen.com/   Timestamps:0:00 Intro and welcome to The Wrap with Chris Whalen0:49 Private credit is unraveling — are retail investors about to run like Silicon Valley Bank3:51 The insurance company play5:20 Does the insurance and private credit connection create contagion risk6:05 Nvidia beats but the market sells it — is the AI trade structurally broken8:07 Why has the broader market held up despite the tech and SaaS selloff9:00 Liquidity is the theme of 2026 10:12 Banks discussion 14:49 Mortgage market — 30 year rates dip below 6%, does it last16:42 Will we see more rate cuts — Chris's expectations for Kevin Warsh as Fed Chair18:37 What it would take to unlock the housing market20:34 Tariffs21:50 The most important things for markets to focus on right now22:36 Silver — COMEX and London are losing their role as price setters26:36 Chris's portfolio — gold, silver, junior miners and why productive capacity matters27:18 Viewer question — Basel III, central banks, and gold as a tier one asset29:44 What Chris is watching and writing about next week31:12 Where to find Chris and The Institutional Risk Analyst — 25% off for viewers

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3472: Kumiko breaks down how to determine whether refinancing your mortgage truly makes financial sense, especially in a low interest rate environment. She walks through the real costs, credit considerations, and break-even calculations you need to evaluate before making a move. If you're wondering whether lower rates could actually save you money, or cost you more in the long run, this practical guide will help you run the numbers with confidence. Read along with the original article(s) here: https://www.thebudgetmom.com/is-it-a-good-time-to-refinance-your-mortgage/ Quotes to ponder: "Before you pick up the phone to call the mortgage lender of your choice, there are several questions you need to ask yourself first." "Only you can figure out whether it's a good time to refinance your mortgage. There's no universal answer, and everyone's situation is different." "Before you start loan shopping, take an honest look at your credit." Learn more about your ad choices. Visit megaphone.fm/adchoices

Mortgage rates have officially dropped below 6% for the first time in more than three years. The average 30-year fixed rate is now 5.98%, according to Freddie Mac — a key psychological and financial shift for the housing market. In this episode, Kathy breaks down what lower rates mean for buying power, inventory levels, and home prices. Zillow reports that the median-income household has gained more than $30,000 in purchasing power compared to last year, putting over 80,000 additional homes within reach. But with prices still up roughly 50% since 2020 and rising for the 31st straight month, affordability remains a challenge. Will sub-6% rates bring buyers back into the market? Could it loosen the lock-in effect and increase listings? And what does this mean for real estate investors in 2026? We'll explain what's changing — and what isn't.

(February 27, 2026) Amy King and Neil Saavedra join Bill for Handel on the News. Bill Clinton to testify today in House committee’s Epstein investigation. Hillary Clinton derides her Epstein deposition as GOP ‘political theater.’ US and Iran make ‘significant progress’ in nuclear talks, Oman official says. Mortgage rates fall below 6% for the first time in more than 3 years. See omnystudio.com/listener for privacy information.

In this conversation, José Brador Jr. discusses various aspects of real estate financing, focusing on traditional lending, strategies for first-time investors, and the importance of building a tailored investment strategy. He emphasizes the significance of house hacking, down payment assistance programs, and the use of HELOCs for funding real estate investments. The discussion also touches on the value-add strategies and the importance of networking within the real estate community.   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   —--------------------

Ready to take a deep dive and learn how to generate personal tax-free cash flow from your corporation? Enroll in our FREE masterclass here and book a call hereShould you actually retire with debt on purpose?For years, you've probably pictured retirement as completely debt-free — no mortgage, no payments, no financial pressure. But what if aggressively paying off your home is actually slowing down your path to financial freedom? If you're a high-income earner, business owner, or someone intentionally building wealth, the real question isn't “How fast can I kill this debt?” — it's “Is this debt strategically working for me?” Understanding the role of cash flow, inflation, taxes, and risk can completely change how you see retirement planning.In this episode, you'll discover:How inflation quietly makes long-term debt less expensive over time — and why that matters for your strategyWhen carrying debt into retirement can actually improve tax efficiency and preserve wealthThe key difference between emotionally uncomfortable debt and strategically powerful debt (and how to know which side you're on)If you want to rethink retirement planning and learn when debt can be a tool — not a threat — press play now.

Hour 4 of Mark & Melynda Austin has a new plan for the homeless A CDL driver who was driving on the wrong side of the road can't read or speak English Instagram will now alert parents of their kids mental health Trump meets with Mamdani to discuss housing Mortgage rates have dropped See omnystudio.com/listener for privacy information.

Mortgage rates dipped below 6% for the first time in three years. How important is this for the housing market? Oil prices have been volatile. What will determine where prices are headed next? Finally, AI bellwether Nvidia announced earnings. How did investors react to the news?

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3472: Kumiko breaks down how to determine whether refinancing your mortgage truly makes financial sense, especially in a low interest rate environment. She walks through the real costs, credit considerations, and break-even calculations you need to evaluate before making a move. If you're wondering whether lower rates could actually save you money, or cost you more in the long run, this practical guide will help you run the numbers with confidence. Read along with the original article(s) here: https://www.thebudgetmom.com/is-it-a-good-time-to-refinance-your-mortgage/ Quotes to ponder: "Before you pick up the phone to call the mortgage lender of your choice, there are several questions you need to ask yourself first." "Only you can figure out whether it's a good time to refinance your mortgage. There's no universal answer, and everyone's situation is different." "Before you start loan shopping, take an honest look at your credit." Learn more about your ad choices. Visit megaphone.fm/adchoices

Listener Q&A where Andy talks about: Income tax treatment of buying bonds in a normal non-qualified brokerage account when you buy or sell bonds in between coupon periods ( 8:37 )When still working, are 50 or older, are maxing out your 401(k) contributions, and are high income and therefore would need to have your catch-up contribution go into your Roth (instead of pre-tax) 401(k), would it be better to skip the catch-up and instead put that money in a normal brokerage account ( 14:40 )Taxation of Social Security lump sums received for prior month's retroactive payments; is it taxable in the year received or in the prior year that the payments were attributable to ( 17:56 )Does the imputed wage income from employer group life insurance in excess of $50,000 death benefit qualify as earned income for purposes of making Roth IRA contributions ( 24:26 )Deciding how/when to sell out of appreciated assets in a brokerage account you no longer want but don't want to have to deal with realizing taxable gains ( 29:11 )Thoughts on direct indexing, and whether it's a strategy worth considering ( 37:01 )Whether or not to pay off a mortgage, especially now that interest rates are higher than they were a few years ago ( 44:07 )Thoughts on when to stop saving if/when you've saved "enough," balancing planning for the future you vs the present you, deciding how much to sacrifice now for saving for the future, etc. ( 49:24 )The differences in step-up in basis rules for spouses in community property states vs common law states, and how that impacts federal taxes (even if the gains aren't taxable at the state level) ( 55:10 )What to keep in mind when spouses want to maximize gift giving and not have to file a gift tax return ( 1:01:44 )Deductibility of donating appreciated securities vs cash and how to plan large donations in years of doing Roth conversions to help manage taxable income ( 1:07:47 )To send Andy questions to be addressed on future Q&A episodes, email andy@andypanko.comLinks in this episode:My company newsletter - Retirement Planning InsightsFacebook group - Retirement Planning Education (formerly Taxes in Retirement)YouTube channel - Retirement Planning Education (formerly Retirement Planning Demystified)Retirement Planning Education website - www.RetirementPlanningEducation.com

In this episode of The Loan Officer Podcast, host Dustin Owen sits down with Amanda Callaghan, a highly accomplished mortgage professional based in Wilmington, NC. Amanda opens up about her inspiring career journey, beginning with her humble start as a bank teller in Flint, MI. She describes how her dedication and work ethic propelled her through the ranks of the mortgage industry, eventually becoming a top producer with over $40 million in annual production. However, Amanda also candidly discusses the challenges she faced, including the intense pressure and eventual burnout that led her to step away from the business for a period of time. During the interview, Amanda reflects on the process of reinventing herself both personally and professionally. She emphasizes the critical role that company culture and strong mentorship played in her growth and recovery, and how these factors ultimately influenced her decision to return to the mortgage industry. Now, as the leader of growth at Empire, a rapidly expanding mortgage brokerage, Amanda is passionate about fostering a supportive environment for her team and helping others achieve their own success. Throughout the conversation, Amanda shares valuable insights on building resilience, the importance of finding the right organizational fit, and practical strategies for thriving in the ever-evolving mortgage landscape. Her story serves as a powerful reminder of the rewards that come from perseverance, adaptability, and a commitment to personal and professional development. Whether you're a seasoned loan officer or just starting out in the industry, Amanda's experiences and advice offer inspiration and actionable takeaways for anyone looking to excel in the world of mortgage lending.   TLOP's Originator Coaching:* https://tloponline.com/mlo-coaching-programs/ *Loan officer looking for a new place to call home?*

In this conversation, Tom Dunkel shares his extensive experience in real estate, finance, and investing, particularly focusing on distressed mortgage debt and the nuances of the second position mortgage market. He discusses the importance of emotional equity in real estate transactions and his transition into other asset classes like self-storage and mobile home parks. Tom emphasizes the value of partnering with experienced individuals in new investment areas and highlights his approach to passive investing through Eagle Capital Investments.   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   —--------------------

Send a textSwapping first-time homebuyer journeys with San Antonio Realtors Matt Reyna and Zach Enriquez—what we believed going in, what surprised us, what almost derailed the process, and what we'd do differently today.Most people think buying your first home is a math decision. In real life it's emotional, messy, and full of bad advice from friends, family, and social media. In this episode we break down the real first-time buyer experience from three angles (Realtor + Realtor + Mortgage Lender), including what matters most: credit, income, mindset, equity, and how to stop letting other people's opinions talk you out of building wealth.In this episode you'll learn:- The biggest first-time homebuyer myths (and what's actually true)- How credit and planning impact your options (even with zero down programs)- Why “keeping up with the Joneses” keeps people renting- How equity can become a long-term wealth tool (not just a house)- What Realtors and lenders wish buyers understood before shoppingGuests:Matt Reyna — San Antonio RealtorZach Enriquez — San Antonio RealtorPowered by LoanBot — Smarter Mortgage Matching (App Store + Google Play)

After an AI doomsday report shook Wall Street, Doug and Greg Stokes break down how they see the future of work and AI playing out and why a diversified portfolio is the measured response to charlatan predictions. They also examine private credit trends and the real estate market as mortgage rates continue to fall, as well as the potential of corresponding headwinds to disinflation.  Key Takeaways [00:17] - Tariff ruling + an AI doomsday report [06:13] - Private credit sector concerns amidst market volatility [08:38] - Combating charlatan predictions with a diversified portfolio [15:22] - Mortgage rates are following interest rates [20:05] - Headwinds to disinflation are coming View Transcript Links Viral Doomsday Report Lays Bare Wall Street's Deep Anxiety About AI Future Robert Kiyosaki: The Boy Who Cried Crash Once America's Most Affordable Rental City, Austin Is About to Get More Expensive Connect with our hosts Doug Stokes Greg Stokes Stokes Family Office Subscribe and stay in touch Apple Podcasts Spotify lagniappe.stokesfamilyoffice.com Disclosure The information in this podcast is educational and general in nature and does not take into consideration the listener's personal circumstances. Therefore, it is not intended to be a substitute for specific, individualized financial, legal, or tax advice. To determine which strategies or investments may be suitable for you, consult the appropriate, qualified professional prior to making a final decision. Different types of investments involve varying degrees of risk. Therefore, it should not be assumed that future performance of any specific investment or investment strategy (including the investments and/or investment strategies referenced in our blogs/podcasts) or any other investment and/or non-investment-related content or services will be profitable, equal any historical performance level(s), be suitable or appropriate for a reader/listener's individual situation, or prove successful. Moreover, no portion of the blog/podcast content should be construed as a substitute for individual advice or services from the financial professional(s) of a reader/listener's choosing, including Stokes Family, LLC, a registered investment adviser with the SEC, with which the blogger/podcasters are affiliated.

Mortgage rates dropped sharply last week but will the trend continue? In this LIVE episode, we're breaking down what's really driving mortgage rates, how the latest inflation and jobs data impact the housing market, and what it all means for buyers and homeowners heading into 2026 so you can make smart decisions and become The Educated HomeBuyer.Start your stress-free loan journey todayJoin Rate Watch – we'll watch rates for youEmail: info@theeducatedhomebuyer.comConnect with Us

Mortgage rates drop. The AP's Alex Veiga reports.

Mortgage rates aren't falling the way buyers expect—and this interview breaks down why “waiting for a crash” may backfire, plus what realistic first-time buyer strategies still work in today's market. Zachary Foust explains why mortgage rates haven't followed Fed cuts the way people assume, and how bond investors, inflation risk, and the mortgage-to-bond “spread” affect what buyers actually pay. He argues a 2008-style housing crash is unlikely without a major inventory surge, and that the kind of crash many buyers hope for would likely come with painful unemployment. The conversation shifts into practical “path of least resistance” moves—like using FHA/USDA/VA and state housing authority assistance, considering townhomes in secondary markets, and paying attention to new construction incentives—while also naming the emotional toll this market is taking on first-time buyers. “Townhomes aren't sexy, but they're affordable to build and they're cheaper, especially if they're on the outside of a primary market.” - Zachary Foust HighlightsWhy aren't mortgage rates dropping even when the Fed cuts rates?What does “quantitative easing” actually mean—and why is it showing up again in 2026?If prices did drop 20–50%, what would likely have to happen to unemployment first?How can first-time buyers use FHA/USDA/VA and state housing authority programs to lower upfront costs?Why are some builders offering major incentives—and why might new construction be a “quiet sale” opportunity?What does buying “outside the sun” (secondary markets) look like in real life?Check out our updated 2026 First Time Homebuyer's Episode Guide - Over 100 of our BEST Episodes of Detailed Homebuying Knowledge, Interviews, and MORE! Connect with me to find a trusted realtor in your area or to answer your burning questions!Subscribe to our YouTube Channel @HowToBuyaHomeInstagram @HowtoBuyAHomePodcastTik Tok @HowToBuyAHomeVisit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit!David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer. Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!

When you apply for a mortgage and your credit is pulled, that data has historically been sold as a “trigger lead.”That's why many borrowers received dozens of calls within minutes.Starting March 5:Credit bureaus can no longer sell trigger leadsYour lender can still contact youYour current servicer may also reach outThe mass call flood should stop.Just remember: online forms and third-party sites can still resell your information, so where you click still matters.

On today's episode, Editor in Chief Sarah Wheeler talks with Joe Tyrrell, CEO of Optimal Blue, about AI and whether it can really level the playing field in mortgage lending. Tyrrell has more than 25 years of experience in the mortgage, finance and technology industries, including serving as president of ICE Mortgage Technology. Related to this episode: Optimal Blue launches Virtual Economist for mortgage capital markets HousingWire | YouTube⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ More info about HousingWire To learn more about Trust & Will click here. 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.

Send a textServant leadership sounds great… until the market gets tough.** This video features a discussion about servant leadership, focusing on its meaning and implications. The content appears to be a podcast episode, as indicated by the microphones and studio setting. Several individuals are shown, with one prominently speaking into a microphone throughout the clips. This conversation provides valuable insights into leadership and offers practical business talk for anyone looking to enhance their leadership skills and understand different leadership theories. It's great for leadership development and overall leadership motivation. Based in San Antonio, TX.In this episode of Real Estate AF (And Finance), Mark Jones sits down with AJ Reygadas and Rick Graham to break down what servant leadership looks like in real life—culture, trust, mindset, and the uncomfortable lessons most “leaders” avoid.What you'll learn:

This week on tWiRE – This Week in Real Estate, we're breaking down one of the most confusing housing markets we've seen in years.

Need any advice or information, message us.We chat with Zach Kay, CEO and Founder of Second Street, a mortgage company offering fixed interest 30 year terms on Costa Rica mortgages.  We discuss how their offering differs, what people need to understand about loans in Costa Rica and where he sees opportunity in Costa Rica's Real Estate and Investment market.Free 15 min consultation:  https://meetings.hubspot.com/jake806/crconsultContact us: info@investingcostarica.comZach Kay: https://www.mysecondstreet.com/

Randy and Chris sit down with Chris George, the CMG Home Loan founder,' to talk about the company's move into banking and what the CMG Bank evolution really means for loan officers, referral partners, and borrowers. They break down the strategy behind playing on both sides of the balance sheet, new product opportunities, and how this shift could change the competitive landscape.Chris George also gets candid about leadership, culture, loyalty through the 2008 crisis, and why he believes the next decade is his window to go all in.If you want the inside scoop on where CMG is headed and what it could mean for your business, this is a must-listen.

Special Guest: Tim Swierczek#howimetyourmortgage​ #justthetipscoaching​ #justthetips​ #salescoachingdenver​ #salescoaching​ #realestate​ #mortgage​ #sales​ #salestips​ #businesstips​ #tunein​ #podcast​ #videocast​ #applepodcast​ #spotifypodcast

John and Kevin talk about Eliot Wolf's media scrum today at the Combine and look ahead to Mike Vrabel's session tomorrow. The guys also talk about Boston College, UConn and UMass Football and they'll get into some high school talk ahead of this weekend's New England Coaches Clinic at Gillette.

Moving in with your partner? Before you sign the lease, you need to talk about money. As I prepare to move in with my partner for the first time (your girl's growing up!), I revisited our practical and helpful conversation with personal finance expert and author, Alyssa Davies, about how to navigate your finances when you're merging lives with your partner, and how to set yourself up for success when you're moving in together. We dive into the financial conversations every couple should have before moving in — from how to split rent and household expenses when your income is different, to structuring joint finances in a way that feels equitable and aligned with your shared goals. Because merging lives means merging money — and that's hella vulnerable. Alyssa Davies is a 2x author and the mastermind behind award-winning Canadian personal finance website and YouTube channel, Mixed Up Money, where she dishes out financial content for women who care about their money.  Tune in to hear: Alyssa's advice for couples who are moving in together The most important money conversations to have Different ways to structure your joint and separate accounts Equal vs equitable expense splitting (and how to divide rent when your incomes are different) How to protect your assets if your partner moves in What to do if you have different spending/saving habits Saving for big milestones together (travel, home, wedding, investments) Avoiding resentment around money and contribution Tools for successful budgeting with your partner Follow Alyssa: mixedupmoney.com/ instagram.com/mixedupmoney/ Alyssa's Budgeting Templates: mixedupmoney.com/shop For advertising and sponsorship inquiries, please contact Frequency Podcast Network. Sign up for our monthly adulting newsletter:teachmehowtoadult.ca/newsletter Follow us on the ‘gram:@teachmehowtoadultmedia@gillian.bernerFollow on TikTok: @teachmehowtoadultSubscribe on YouTube

If networking feels awkward, forced, or transactional—this episode is your reset.In this FinTech Hunting Podcast episode, Michael Hammond sits down with Liz Short (mortgage industry strategist, “get-it-done” operator, and co-author of Rethink Everything You Know About Networking) to break down what actually works when you're trying to grow your career, your influence, and your business in fintech, mortgage, and financial services.Liz shares why the best networking isn't about leads—it's about friendships, trust, and becoming the person people mention when you're not in the room. Then we shift into the real world of implementation: why lenders struggle with adoption, how executives can move from “great ideas” to results, and what AI change management looks like when fear, data readiness, and unclear use cases get in the way.What you'll learn in this episode:Why most people feel awkward networking (and how to push through it)The #1 mistake people make at conferences and trade shows (hint: “lead capture” energy)How to build a network that creates opportunities when you're not lookingWhy execution fails inside organizations—and how outside perspective helpsLiz's framework for AI adoption: vision → use case → data/process readinessThe truth about AI: it's not magic—it amplifies what's already brokenHow to lead change in mortgage/fintech with a people-first approachMentioned in the episode:Liz Short's book: Rethink Everything You Know About NetworkingConferences: Michigan Mortgage Lenders Association Sales Conference and ICE ExperienceLiz's work at Short Solutions helping lenders drive adoption and ROI from tech investmentsWho is Liz Short?Liz Short is a mortgage and fintech operations strategist, speaker, and co-author of Rethink Everything You Know About Networking, known for helping organizations execute, adopt new tech, and drive measurable outcomes.What is the best networking advice from this episode?Stop treating networking like a transaction. Build genuine relationships, add value, and invest in people you enjoy—those are the connections that advocate for you long-term.How should lenders approach AI adoption?Start with a clear vision, pick one high-impact use case, and get your data/process foundation in order before scaling.Chapters (optional)00:00 Intro + why Liz is the perfect guest01:10 Why Liz co-wrote Rethink Everything You Know About Networking03:20 Networking isn't transactional—relationships win05:00 Why tech implementations fail (and how to fix adoption)09:30 Change management + psychology in mortgage orgs10:45 AI in lending: vision, use cases, and data readiness14:00 Conferences + where to find LizIf this episode helped you:✅ Subscribe for more fintech + mortgage leadership conversations

President Donald Trump just delivered the State of the Union — and markets are reacting.So what does this mean for mortgage rates?Should you LOCK now… or FLOAT and risk it?Today we break down:• Inflation expectations• The 10-Year Treasury reaction• MBS pricing movement• Federal Reserve implications• What this means for YOUR mortgage strategyIf you're buying, refinancing, or waiting for lower rates — this is the strategy session you don't want to miss.Every day, we pull real pricing from 30+ lenders and show you exactly what you qualify for — plus lock vs. float guidance tied directly to CPI, Jobs data, MBS spreads & the 10-Year Treasury.Transparent. Data-driven. No hype.

Mortgages made simple- if you're a first-time buyer, this one's for you! In this special compilation episode we're bringing together the most valuable mortgage and interest rate guidance from recent conversations with Phil Spencer and Skipton's experts from our First Home Focus channel. This is a dedicated channel, in association with Skipton Building Society, where we share tips for navigating buying your first property. If you're trying to make sense of rising rates, fixed vs tracker deals, or how much you can realistically borrow, this episode cuts through the jargon and explains what actually matters. Whether you're saving for a deposit or ready to speak to a lender, this is essential listening to help you move forward with clarity and confidence! Let us know in the comments: what do you find most confusing about mortgages right now? Make sure to subscribe to the First Home Focus channel so you don't miss future episodes!

The Falcon system to deliver guidance and success.The tech hub to unify multiple lines of business.The merged calls to save deals.A mortgage expert who's since grown a 100-person organization delivering integrated real estate services, Jordan Vreeland's constantly building the playbook.Go inside his athletics-informed philosophy and approach to developing people, unifying teams, leveraging tech, and improving client experience.Watch or listen for Jordan's insights into:Two reminders and resets when you step onto the courtBuilding winners, not just winning gamesWhen and why a mortgage expert started a now-70-agents real estate brokerageGetting turned onto tech, marketing and lead generationChoosing to start independent rather than with another brand or brokerageThe concepts behind their integrated tech stackJordan's role in the organizationExample of solving a problem by creating a role that elevates team membersWhat more real estate professionals should know about mortgage and how to get thereHow he built a team of overseas ISAs that's become the defense system and the “lifeblood of the business,” and part of the family - with tips for you to do the sameEnhanced client visibility and better client conversations with Zillow ProGetting what you give and not falling prey to the sickness of chasing numbersAt the end, learn about three winning basketball teams, lawless psychopaths, friends he's never met, and family getaways.Connect with Vreeland Real Estate:→ https://www.instagram.com/vreelandrealestate/→ https://www.facebook.com/vreelandrealestate/Connect with Real Estate Team OS→ https://www.realestateteamos.com→ https://linktr.ee/realestateteamos→ https://www.instagram.com/realestateteamos/

Spring home-buying season is heating up — and this week, David Wickert and Tim Holdmann are in the thick of it.They kick things off with a surge in pre-approvals signaling that buyers are coming off the sidelines. More shoppers means more competition, and more competition means you'd better show up ready. Tim and David break down why a clean, contingency-free offer is the difference between getting the house and going home empty-handed.Tim shares a real-world scenario involving first-time buyers whose parents want to relocate from up north to be closer to grandkids — and why calling your mortgage consultant before falling in love with a house is always the right move.David then tells the story of a self-employed client who got turned away by her bank — until a single question (“How old are you?”) unlocked a game-changing solution using retirement assets as qualifying income. Creativity meets the rulebook. Everybody wins.Whether you're buying, selling, refinancing, or just trying to understand how this whole thing works, David and Tim bring the insight, the analogies, and occasionally, the Kevin Hart GIFs.

In this episode of Property and Paper Live, Dawn Rickabaugh breaks down a real-world note deal she sourced from Craigslist and explains how understanding seller financing, time value of money, and human dynamics can turn an “uninvestable” situation into a high-performing asset.If you'd like to take advantage of the limited time offer for 50% off her book, 'Note Investing for Newbies' click HERE and use the code NEWB50 at checkout.

Mortgage rates just dropped to 5.99% — the lowest level in nearly three years.HOME.COM   Article  https://www.homes.com/news/daily-mortgage-rates-dip-to-5-99/1356105419/But here's the twist:The Federal Reserve says no rate cuts are coming because inflation is still too high.President Donald Trump is calling for rate cuts.Inflation remains sticky.Tariffs are creating uncertainty.The Supreme Court just struck down major trade policy.The jobs market is sending mixed signals.Bond markets are reacting.So how are mortgage rates falling without a Fed cut?In this episode, we break down:• Why mortgage rates follow the bond market — not the Fed Funds Rate• What's happening with the 10-Year Treasury• How inflation expectations are driving mortgage pricing• Whether 5.99% can last• What this means for buyers, refinancers, and homeownersThis is the disconnect nobody is explaining clearly.Every day, we pull real pricing from 30+ lenders and show you exactly what you qualify for — plus lock vs. float guidance tied to CPI, Jobs, MBS & the 10-Year Treasury.Transparent. Data-driven. No hype.

They paid off $45,000 of debt in months and didn't feel restricted doing it.In this final episode of Inside a Financial Plan, we review Rachel and Dion's progress since October - breaking down their budget using PocketSmith, selling down shares to reduce their mortgage, setting up a separate rental property account, restructuring KiwiSaver into a high-growth fund, upgrading insurance, and navigating the mindset shift from “grow at all costs” to building wealth with clarity and choice.This episode is proudly sponsored by PocketSmith: Big goals mean nothing without action. ⁠PocketSmith⁠ helps you track, plan, and stay accountable. Start today with 50% off your first two months.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.

Think you need to wait until you're “ready” to talk to a lender? Think again. In this episode, David sits down with expert lender Kelly Cort to explain why early conversations — even a year or two in advance — can save you time, money, and stress. If you're serious about buying a home, this is the episode that could change your entire timeline. Most first-time buyers delay talking to a lender because they think they're not ready — not enough savings, credit isn't perfect, or they're “just researching.” But that delay can cost you. In this episode, David and seasoned mortgage pro Kelly Cort bust that myth wide open. They explain how early lender conversations don't require a pre-approval or credit pull, and how they help you create a custom financial game plan for buying a home — not just a mortgage estimate. From understanding soft vs. hard credit pulls to when you can actually lock in an interest rate, this episode walks you through everything you didn't know you needed to know. You'll learn how to use cash strategically, why down payment assistance isn't just for low-income buyers, and why obsessing over interest rates can distract you from building real buying power. Whether you're buying in six months or two years, this is the knowledge first-time buyers rarely get — and absolutely need. “Just because you can qualify for a $400,000 home doesn't mean you should.” Highlights Why “getting pre-approved” shouldn't be your first step — and what to do insteadThe truth about credit pulls, pre-approvals, and when they actually matterWhat a discovery call is (and why it could change your whole plan)Why some people who “qualify” still feel house-poor — and how to avoid itDown payment assistance myths: who actually qualifies and how to find outUnderstanding rate locks, points, and whether it makes sense to “float” your rateReal talk about affordability: what you can buy vs. what you should buyReferenced Episodes424 - First Time Home Buyers: Chloe & Eduardo Close on a Home (INTERVIEW)340 – Down Payment Assistance, Discovery Calls & Lending Myths (INTERVIEW)339 - Don't Get Pre-Qualified—Get a Plan (INTERVIEW)247 - INTERVIEW: Tips from Expert (Unicorn) Realtor & Lending Team - VA First Time Home BuyerCheck out our updated 2026 First Time Homebuyer's Episode Guide - Over 100 of our BEST Episodes of Detailed Homebuying Knowledge, Interviews, and MORE! Connect with me to find a trusted realtor in your area or to answer your burning questions!Subscribe to our YouTube Channel @HowToBuyaHomeInstagram @HowtoBuyAHomePodcastTik Tok @HowToBuyAHomeVisit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit!David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer. Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!

n this episode of 'The Loan Officer Podcast', host Dustin Owen is joined by regular contributors Marketing Mike, Money Mark, and producer Karina Mojica for an in-depth exploration of the future of the mortgage and real estate markets through 2026 and beyond. Together, the team delves into a wide range of topics shaping the industry, including the ongoing challenges of homeownership affordability, the trajectory of interest rates, and the significant influence of both political and economic factors on the housing market. They also examine the rapidly growing impact of technology on everything from loan processing to client engagement.   Throughout the episode, the panel offers thoughtful predictions about gradual improvements in affordability, while also addressing persistent obstacles such as wealth disparity, limited housing supply, and regulatory uncertainty. Drawing on their collective experience, they share practical advice and strategies tailored for mortgage professionals looking to adapt and thrive in a shifting landscape. The conversation is enriched with personal anecdotes, real-world examples, and a blend of market analysis and industry strategy.   Listeners can expect a comprehensive discussion that not only highlights current trends and future outlooks but also provides realistic insights and actionable guidance for navigating the evolving housing landscape. Whether you're a seasoned mortgage professional or simply interested in the future of real estate, this episode delivers valuable perspectives and tools to help you stay informed and prepared for what lies ahead.   TLOP's Originator Coaching: https://tloponline.com/mlo-coaching-programs/  Loan officer looking for a new place to call home?

http://www.mofpodcast.com/http://www.pbnfamily.comhttps://www.facebook.com/matteroffactspodcast/https://www.facebook.com/groups/mofpodcastgroup/https://rumble.com/user/Mofpodcastwww.youtube.com/user/philrabhttps://www.instagram.com/mofpodcasthttps://twitter.com/themofpodcasthttps://www.cypresssurvivalist.org/Support the showMerch at: https://southerngalscrafts.myshopify.com/Shop at Amazon: http://amzn.to/2ora9riPatreon: https://www.patreon.com/mofpodcastPurchase American Insurgent by Phil Rabalais: https://amzn.to/2FvSLMLShop at MantisX: http://www.mantisx.com/ref?id=173*The views and opinions of guests do not reflect the opinions of Phil Rabalais, Andrew Bobo, Nic Emricson, or the Matter of Facts Podcast*Back by listener demand, your resident autistic Finance nerd switches from whiskey to coffee for a late night talk about how money works, inflation, stocks, and investment. We are not financial advisers, but if you're masochistic or have an interest in retiring before you're eighty years old, you might want to have a seat and bring some questions.Matter of Facts is now live-streaming our podcast on our YouTube channel, Facebook page, and Rumble at 7:30 PM Central on Thursdays . See the links above, join in the live chat, and see the faces behind the voices. Intro and Outro Music by Phil Rabalais All rights reserved, no commercial or non-commercial use without permission of creator prepper, prep, preparedness, prepared, emergency, survival, survive, self defense, 2nd amendment, 2a, gun rights, constitution, individual rights, train like you fight, firearms training, medical training, matter of facts podcast, mof podcast, reloading, handloading, ammo, ammunition, bullets, magazines, ar-15, ak-47, cz 75, cz, cz scorpion, bugout, bugout bag, get home bag, military, tactical Become a supporter of this podcast: https://www.spreaker.com/podcast/prepper-broadcasting-network--3295097/support.BECOME A SUPPORTER FOR AD FREE PODCASTS, EARLY ACCESS & TONS OF MEMBERS ONLY CONTENT!Red Beacon Ready OUR PREPAREDNESS SHOPThe Prepper's Medical Handbook Build Your Medical Cache – Welcome PBN FamilySupport PBN with a Donation Join the Prepper Broadcasting Network for expert insights on #Survival, #Prepping, #SelfReliance, #OffGridLiving, #Homesteading, #Homestead building, #SelfSufficiency, #Permaculture, #OffGrid solutions, and #SHTF preparedness. With diverse hosts and shows, get practical tips to thrive independently – subscribe now!Newsletter – Welcome PBN FamilyGet Your Free Copy of 50 MUST READ BOOKS TO SURVIVE DOOMSDAY

I could afford luxury bags, luxury cars, and all the status symbols that come with a high income. But I choose to own mortgage-free rental properties instead. Here's why—and here's the math that changed everything for me. In this video, I break down: ✅ The real cost of chasing luxury vs. building assets ✅ The financial breakdown: $10K bag vs. mortgage-free rental property ✅ Why real wealth is quiet and fake wealth is loud ✅ How prioritizing assets over aesthetics changed my family's trajectory ✅ The exact strategy I use to redirect lifestyle spending into real estate ✅ What my kids will inherit (and why that matters) If you're a high-income earner who's tired of looking wealthy but not actually building wealth, this video is for you. ━━━━━━━━━━━━━━━━━━━━━ ⏱️ TIMESTAMPS ━━━━━━━━━━━━━━━━━━━━━ 0:00 - Why I choose homes over designer bags 0:45 - My turning point: when I stopped chasing status 3:30 - The math: Designer bag vs. mortgage-free property 7:30 - The mindset shift that changes everything 10:00 - How to prioritize assets over aesthetics (practical steps) 12:30 - Choose wealth that lasts ━━━━━━━━━━━━━━━━━━━━━ ✨ WORK WITH ME ━━━━━━━━━━━━━━━━━━━━━ If this episode was helpful, you'll love my newsletter. I share practical real estate advice, real stories from the community, and the next smart move you can make. https://erikab.kit.com/f2f4df9a56 Would you like to work with me directly? Book a Call to work with me in 2026! https://calendar.app.google/NMFNL2CYYPMP1FZn7 If you're looking to meet more like-minded people that are interested in building wealth, you'd love being in the room at The Owning It & Living It Experience. It's where real estate strategy, community, and clarity come together to help you make your next smart move. You can grab your ticket before the next price increase. https://experience.owningitandlivingit.com FOLLOW FOR MORE: YouTube for long-form episodes + IG for daily reinvention content. https://www.instagram.com/erikabrowninvestor/ ━━━━━━━━━━━━━━━━━━━━━

http://www.mofpodcast.com/http://www.pbnfamily.comhttps://www.facebook.com/matteroffactspodcast/https://www.facebook.com/groups/mofpodcastgroup/https://rumble.com/user/Mofpodcastwww.youtube.com/user/philrabhttps://www.instagram.com/mofpodcasthttps://twitter.com/themofpodcasthttps://www.cypresssurvivalist.org/Support the showMerch at: https://southerngalscrafts.myshopify.com/Shop at Amazon: http://amzn.to/2ora9riPatreon: https://www.patreon.com/mofpodcastPurchase American Insurgent by Phil Rabalais: https://amzn.to/2FvSLMLShop at MantisX: http://www.mantisx.com/ref?id=173*The views and opinions of guests do not reflect the opinions of Phil Rabalais, Andrew Bobo, Nic Emricson, or the Matter of Facts Podcast*Back by listener demand, your resident autistic Finance nerd switches from whiskey to coffee for a late night talk about how money works, inflation, stocks, and investment. We are not financial advisers, but if you're masochistic or have an interest in retiring before you're eighty years old, you might want to have a seat and bring some questions.Matter of Facts is now live-streaming our podcast on our YouTube channel, Facebook page, and Rumble at 7:30 PM Central on Thursdays . See the links above, join in the live chat, and see the faces behind the voices. Intro and Outro Music by Phil Rabalais All rights reserved, no commercial or non-commercial use without permission of creator prepper, prep, preparedness, prepared, emergency, survival, survive, self defense, 2nd amendment, 2a, gun rights, constitution, individual rights, train like you fight, firearms training, medical training, matter of facts podcast, mof podcast, reloading, handloading, ammo, ammunition, bullets, magazines, ar-15, ak-47, cz 75, cz, cz scorpion, bugout, bugout bag, get home bag, military, tactical 

An an entrepreneur, we love hearing people say, "man, you're a hustler."    One day, we're chasing shiny objects.     Credit repair.    Mortgages.    MLM opportunities.    But at the core of the hustle is not about chasing shiny objects......   It's about chasing something that has no physical body, cannot be contained and cannot be controlled.    What is it?    Freedom.    It's that feeling where you can choose to do something or not.    Having the ability to take a vacation without having to be in the office if you choose.    Making cool shit happen for people that bring you the most value in your life......friends, family, clients, employees, contractors, and your favorite charities.    As you're working and building your business, make sure you are clear about the amount of hustling you're doing.    Hustling can wear you out and burn you out if you're not careful.     Be intentional about your hustle.     About the ReWire Podcast   The ReWire Podcast with Ryan Stewman – Dive into powerful insights as Ryan Stewman, the HardCore Closer, breaks down mental barriers and shares actionable steps to rewire your thoughts. Each episode is a fast-paced journey designed to reshape your mindset, align your actions, and guide you toward becoming the best version of yourself. Join in for a daily dose of real talk that empowers you to embrace change and unlock your full potential.    Learn how you can become a member of a powerful community consistently rewiring itself for success at ⁠⁠https://www.jointheapex.com/⁠⁠   Rise Above

In this episode, we cover a wide range of financial strategies for physicians and high-income professionals. From burnout prevention to retirement planning, every chapter provides actionable guidance that can save time, reduce stress, and grow your wealth efficiently. We start with why financial literacy is essential for burnout prevention, then dive into advanced investing strategies such as direct indexing with short and long extensions. Next, we explore the new Roth option in the Thrift Savings Plan (TSP) and clarify the Ohio Homestead Exemption rules. We also answer common questions: Is buying real estate a legal tax loophole? and how a Solo 401(k) works alongside a 403(b) and 457 plan. For physicians looking to simplify their taxes, we discuss tax strategy basics in clear, actionable terms. Finally, we share the WCICON26 coupon code for those interested in our physician finance conference. This episode is a must-listen for doctors, dentists, and other high-income professionals who want to take control of their finances, minimize tax liability, and invest smarter. Connect with Taxstra: https://www.instagram.com/taxstra  Laurel Road is committed to serving the financial needs of doctors, including helping you get the home of your dreams. Laurel Road's Physician Mortgage is a home loan exclusively for physicians and dentists featuring up to 100% financing on loans of $1,000,000 or less. These loans have fewer restrictions than conventional mortgages and recognize the lender's trust in medical professionals' creditworthiness and earning potential. For terms and conditions, please visit www.laurelroad.com/wci. Disclosures: NOTICE: This is not a commitment to lend or extend credit. Conditions and restrictions may apply. All mortgage products are subject to credit and collateral approval. Mortgage products are available in all 50 U.S. states and Washington, D.C. Hazard insurance and, if applicable, flood insurance are required on collateral property. Actual rates, fees, and terms are based on those offered as of the date of application and are subject to change without notice. 1. 100% financing is only available to interns, residents, fellows, doctors, dentists, clinical professors, researchers, or managing physicians with a current license and a degree of Doctor of Medicine (MD), Doctor of Osteopathic Medicine (DO), Doctor of Podiatric Medicine (DPM), Doctor of Dental Surgery (DDS), or Doctor of Dental Medicine (DMD). Only available when purchasing or refinancing with no cash out on a primary residence and loan amount does not exceed $1,000,000. Retired doctors are not eligible. Additional conditions and restrictions may apply. The White Coat Investor Podcast launched in January 2017, and since then, millions have downloaded it. Join your fellow physicians and other high income professionals and subscribe today! Host, Dr. Jim Dahle, is a practicing emergency physician and founder of The White Coat Investor blog. Like the blog, The White Coat Investor Podcast is dedicated to educating medical students, residents, physicians, dentists, and similar high-income professionals about personal finance and building wealth, so they can ultimately be their own financial advisor-or at least know enough to not get ripped off by a financial advisor. We tackle the hard topics like the best ways to pay off student loans, how to create your own personal financial plan, retirement planning, how to save money, investing in real estate, side hustles, and how everyone can be a millionaire by living WCI principles. Website: https://www.whitecoatinvestor.com  YouTube: https://www.whitecoatinvestor.com/youtube  Student Loan Advice: https://studentloanadvice.com  TikTok: https://www.tiktok.com/@thewhitecoatinvestor  Facebook: https://www.facebook.com/thewhitecoatinvestor  Twitter: https://twitter.com/WCInvestor  Instagram: https://www.instagram.com/thewhitecoatinvestor  Subreddit: https://www.reddit.com/r/whitecoatinvestor  Online Courses: https://whitecoatinvestor.teachable.com  Newsletter: https://www.whitecoatinvestor.com/free-monthly-newsletter  00:30 Financial Literacy IS Burnout Prevention 09:45 Direct Indexing Explained: Short and Long Extensions 17:46 Is Buying Real Estate a Legal Tax Loophole? 28:23 Tax Strategy Basics for Physicians 39:54 How a Solo 401(k) Works With a 403(b) and 457 Plan

After the 2008 housing market crash, new rules required banks hold capital reserves proportional to the home loans they issued. In response, banks issued fewer mortgages and non-banks filled in the gap. Easing those rules — which the Fed is considering — could make it a bit easier for Americans to get a mortgage. Also in this episode: Vaccine research and development suffers under federal funding cuts, home builders give industry sentiment updates, and physical media sees a comeback.Every story has an economic angle. Want some in your inbox? Subscribe to our daily or weekly newsletter.Marketplace is more than a radio show. Check out our original reporting and financial literacy content at marketplace.org — and consider making an investment in our future.

Safe home, Jesse Jackson. Big Tech firms turned over user information on anti-ICE accounts. The Trump regime and CBS tries to silence Stephen Colbert again. The Justice Department tracked the search histories of lawmakers who reviewed the files from the Jeffrey Epstein investigation. DOJ may have only released 2-percent of Epstein Files. Weird thing in the Epstein documents. Don't panic about the midterms. Billionaires got $1.5 trillion richer in 2025. Microsoft CEO forecasts the end of white collar jobs. Mortgage delinquencies on the rise. Fascist Russ Vought is using USAID money for personal security. Cenk's latest cynical attention grab. Great news about the National Popular Vote Interstate Compact. Donald's numbers are collapsing. Great polling news out of Texas. With Jody Hamilton, David Ferguson, music by Keturah Allgood, The John Payton Project, and more! Brought to you by Russ Rybicki, SharePower Responsible Investing. Support our new sponsor and get free shipping at Quince.com/bob ! Sign up for Buzz Burbank's Substack.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.