Podcasts about Mortgage insurance

Understanding Lenders Mortgage Insurance (LMI) – A Must-Know for First Home BuyersDescription: Lenders Mortgage Insurance (LMI) is often misunderstood by first home buyers. In this episode, we explain what LMI is, how much it costs, ways to avoid or reduce it, and whether it's worth paying. If you're looking to buy your first home, understanding LMI is crucial!What we'll cover:  – Introduction to Lenders Mortgage Insurance (LMI) – What is LMI and why do lenders require it? – How much does LMI cost? – Strategies to reduce or avoid LMI – Is LMI worth paying? – How to take the next step in your home buying journey

Hi, it's Walter Monteiro from The Maximum Results Team!

Lenders Mortgage Insurance Explained: A Tool for Accelerated Portfolio Growth     Saving up too much before buying property comes with opportunity costs. Is there a way around this and buy earlier?   In this episode, Casey Taylor, Buyers Agent and Founder of Taylored Property Wealth, dives into the often misunderstood topic of Lenders Mortgage Insurance (LMI) and its potential as a powerful tool for accelerating property portfolio growth.   Todd and Casey discuss the basics of LMI, explaining that it is a fee paid by borrowers to protect lenders when the borrower has a smaller deposit, indicating higher risk.   The hosts present a comparative analysis between two hypothetical investors, John and Jim. One opts for a small deposit and pays LMI, while the other waits to save a larger deposit to avoid LMI altogether. Through their discussion, they highlight the financial implications of both strategies, emphasising that one's approach allows him to enter the market sooner and potentially benefit from significant property appreciation.   Listeners learn about the importance of understanding opportunity costs, the risks associated with high leverage, and the questions to ask mortgage brokers to make informed investment decisions. Click on this episode now to learn more about this powerful investment tool!    

Dan Ahlstrand and Clinton Wilkins are joined by Mario Cloutier, from Manulife, to discuss how to keep your finances protected. Cloutier advises that insurance premiums are often affordable and can be maintained at a fixed rate throughout the mortgage term, recommending both creditor and life insurance for comprehensive protection.

In this episode of Loan Officer Training, we explore the essentials of Mortgage Insurance (MI) and its critical role in the lending process. From understanding the different types of MI—private, FHA, VA, and USDA—to learning how to calculate premiums and explain their impact on loan affordability, we'll cover it all. Gain insights into how MI protects lenders, helps borrowers with lower down payments, and affects loan structures. Whether you're looking to refresh your knowledge or master the intricacies of mortgage insurance, this episode is your guide to confidently navigating MI conversations with clients and closing more deals. Don't miss it!Join The Mortgage Calculator at https://themortgagecalculator.com/joinAbout The Mortgage Calculator:The Mortgage Calculator is a licensed Mortgage Lender (NMLS #2377459) that specializes in using technology to enable borrowers to access Conventional, FHA, VA, and USDA Programs, as well as over 5,000 Non-QM mortgage loan programs using alternative income documentation! Using The Mortgage Calculator proprietary technology, borrowers can instantly price and quote thousands of mortgage loan programs in just a few clicks. The Mortgage Calculator technology also enables borrowers to instantly complete a full loan application and upload documents to our AI powered software to get qualified in just minutes!Our team of over 350 licensed Mortgage Loan Originators can assist our customers with Conventional, FHA, VA and USDA mortgages as well as access thousands of mortgage programs using Alternative Income Documentation such as Bank Statement Mortgages, P&L Mortgages, Asset Based Mortgage Programs, No Ratio CDFI Loan Programs, DSCR Investor Mortgages, Commercial Mortgages, Fix and Flip Mortgages and thousands more!Our Mortgage Loan Originators are trained to be loan consultants to guide borrowers throughout the entire loan process. Catch all the episodes of the Loan Officer Training Podcast at https://themortgagecalculator.com/Page/Loan-Officer-Training-Series-Podcast Catch all the episodes of the Loan Officer Training Podcast at https://themortgagecalculator.com/Page/Loan-Officer-Training-Series-PodcastLoan Officers for Unlimited Free Non-QM Leads & Trainings Join The Mortgage Calculator at https://themortgagecalculator.com/joinThe Mortgage Calculator is a licensed Mortgage Lender (NMLS #2377459) that specializes in using technology to enable borrowers to access Conventional, FHA, VA, and USDA Programs, as well as over 5,000 Non-QM mortgage loan programs using alternative income documentation! Using The Mortgage Calculator proprietary technology, borrowers can instantly price and quote thousands of mortgage loan programs in just a few clicks. The Mortgage Calculator technology also enables borrowers to instantly complete a full loan application and upload documents to our AI powered software to get qualified in just minutes! Our team of over 350 licensed Mortgage Loan Originators can assist our customers with Conventional, FHA, VA and USDA mortgages as well as access...

In this episode of Wealth Coffee Chats, Cang Dang from Positive Money discusses the current state of the market, focusing on inflation rates and their potential impact on interest rates. He delves into the costs associated with Lenders Mortgage Insurance (LMI) when purchasing property, explaining how it varies based on loan-to-value ratios. Cang also walks you through the strategies for waiving mortgage insurance, including professional exemptions and government schemes, while emphasizing the importance of structuring loans effectively to minimize costs. Let's Wealth Coffee Chat!

In this episode, Maryanne Elliott from 360 Mortgage Solutions dives into the topic of Lenders Mortgage Insurance (LMI) and the costs it can add to your home buying journey. Learn what LMI is, how it impacts first home buyers, and, most importantly, discover strategies to avoid paying for LMI without needing a 20% deposit. Maryanne also shares insights into the government's Home Buyer Guarantee Scheme, which can save you thousands by covering your loan insurance. Stick around to hear how you can access a free mini course starting in December 2024, designed to guide you through your first home purchase with confidence.Key Points:What is Lenders Mortgage Insurance (LMI)?How LMI protects the bank, not the borrower.Why LMI is sometimes a necessary part of buying a home.The Home Buyer Guarantee Scheme: what it is and how it can help you avoid LMI.Restrictions under the scheme and why it's a great option for first home buyers.Free mini course: Join the waitlist for expert guidance on your home buying journey.Links Mentioned:Home Buyer Guarantee Scheme - Check your eligibility hereJoin the First Home Buyers Mini Course WaitlistConnect with Us:Website: 360 Mortgage SolutionsInstagram: @360mortgagesolutionsFacebook: 360 Mortgage Solutions

Mortgage Insurance is an often used and even more often misunderstood financial tool in the homebuying process. Kerry Murtagh, Account Manager at Arch Mortgage Insurance, breaks down MI facts and features to help homebuyers, realtors, and sellers understand how it can be best leveraged. We can also discuss why more down payment does not always mean the best loan or most qualified buyer.

Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald, interviewed Angeanette Dowles. Homeownership is one of the critical aspects of the American Dream. However, that dream seems more like a fantasy than an attainable goal for many of us. Well, Angeanette Dowles of NACA is here to tell you that homeownership is achievable for all at an affordable rate too. For the rate of only a few months' rent, people with even 420 credit scores you can purchase homes in the hundreds of thousands with little interest rates! It sounds too good to be true. Well, this is one time you'll be happy to be wrong as it is just as good as it sounds.  With Americans facing skyrocketing rents and climbing interest rates, NACA provides the best affordable homeownership program for low to moderate-income individuals and people of color.  Homebuyers will receive one-on-one counseling from a HUD Approved NACA Counselor during this event, and many will get a same-day qualification for NACA's Mejor en América mortgage to begin their housing search.  All NACA services are free of charge.  NACA has over $20 Billion for its unique mortgage, including $15 Billion from Bank of America.  NACA's Mejor en América Mortgage features no down payment, no closing costs, no fees, no mortgage insurance, and a below-market fixed interest rate.  NACA is the nation's largest HUD-approved nonprofit community advocacy and homeownership organization. #STRAW #AMI  See omnystudio.com/listener for privacy information.

Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald, interviewed Angeanette Dowles. Homeownership is one of the critical aspects of the American Dream. However, that dream seems more like a fantasy than an attainable goal for many of us. Well, Angeanette Dowles of NACA is here to tell you that homeownership is achievable for all at an affordable rate too. For the rate of only a few months' rent, people with even 420 credit scores you can purchase homes in the hundreds of thousands with little interest rates! It sounds too good to be true. Well, this is one time you'll be happy to be wrong as it is just as good as it sounds.  With Americans facing skyrocketing rents and climbing interest rates, NACA provides the best affordable homeownership program for low to moderate-income individuals and people of color.  Homebuyers will receive one-on-one counseling from a HUD Approved NACA Counselor during this event, and many will get a same-day qualification for NACA's Mejor en América mortgage to begin their housing search.  All NACA services are free of charge.  NACA has over $20 Billion for its unique mortgage, including $15 Billion from Bank of America.  NACA's Mejor en América Mortgage features no down payment, no closing costs, no fees, no mortgage insurance, and a below-market fixed interest rate.  NACA is the nation's largest HUD-approved nonprofit community advocacy and homeownership organization. #STRAW #AMI  See omnystudio.com/listener for privacy information.

Mortgage insurance is often a misunderstood and overlooked aspect of the home buying process. However, it plays a crucial role in making homeownership accessible and protecting lenders. In our latest podcast episode, we had the pleasure of speaking with Kama Johnson, a top mortgage insurance expert from Arch Mortgage Insurance. Kama shared her extensive knowledge and personal experiences to help us understand the ins and outs of private mortgage insurance (PMI). Whether you're a first-time homebuyer, a seasoned real estate professional, or just curious about mortgage insurance, this episode is packed with valuable insights. Tune in to learn more from Kama Johnson and get a clearer understanding of how PMI works and why it's so important. Let's dive in!

On this episode of the Mo Money podcast, we talk about lenders mortgage insurance, or LMI, and basically answer the question as to whether it's the devil, or is it just your ticket to the game in getting onto the property ladder? But we unpack and explain what it is, how it works, who has to pay it, how much it actually costs, and whether it's risky or not. This episode is perfect for anyone considering entering the property market and wondering if this cost is actually worth it.   Want to make smarter money moves and get ahead faster?  Upcoming events: https://www.eventbrite.com.au/o/ben-nash-pivot-wealth-34379655697 Learn more about Pivot Wealth: https://pivotwealth.com.au/ Check out Ben's book, Get Unstuck: https://www.getunstuckbook.com.au/   Check us out on socials:    TikTok: https://www.tiktok.com/@bentalksmoney Instagram: https://www.instagram.com/pivotwealth/ Youtube: https://www.youtube.com/c/BenNashPivot Facebook: https://www.facebook.com/pivotwealth/ Chat about how Pivot Wealth can help with your money: https://calendly.com/pivot-new-clients/intro-chat-w-pivot-wealth   Note: The advice shared on this podcast is general in nature and does not consider your individual circumstances. The podcast exists purely for educational purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, and TMD and obtain appropriate financial advice tailored towards your needs. Ben Nash and Pivot Wealth are authorised representatives of Fish Tacos Pty Ltd, ABN 14 649 248 082, AFSL 533055

Are you curious about what Lenders Mortgage Insurance (LMI) is and how it actually works? Do you wonder if it's necessary and worth considering when purchasing a property, or do you think it's just an additional cost you can avoid? In this episode, we sit down with Strachan Taylor from Helia, Australia's leading provider of LMI, to delve into the details. We aim to clarify how often claims are made and why, despite its additional cost, LMI can be a beneficial safeguard rather than something to avoid. By breaking down these aspects, we help you make better decisions about LMI in your home buying journey. Tune in to gain a comprehensive understanding of LMI and discover why it might just be the safety net you need. Episode Highlights: 00:00 - Introduction 01:01 - Who is Strachan Taylor? 01:33 - The history and evolution of Lenders Mortgage Insurance (LMI) in Australia 05:56 - Who else are the competitors of Helia in the LMI space? 06:27 - How has the federal government's 2019 first homebuyer guarantee impacted Helia? 08:43 - Could future regulatory changes potentially blindside your business operations? 10:06 - Do lenders evaluate the potential for property appreciation or depreciation? 12:14 - Is there industry-wide pressure for insurance companies to offer cheaper prices? 14:39 - Is the bank of relatives another competitor in the LMI space? 18:24 - The role and perception of LMI in the home buying process 21:29 - Strachan's thoughts on new policies where banks are more willing to self-insure 24:19 - How are the LMI premiums calculated? 27:18 - What's the riskiest type of property for first home buyers? 30:42 - Thoughts on Fintech, Proptech, and etc… 36:54 - Strategies and initiatives by Helia to address the housing affordability crisis 40:15 - How has Helia's share price evolved from its lows to its current levels? 43:30 - How does Helia view customer behaviour regarding home insurance and refinancing? 45:27 - Do borrowers continue paying LMI after refinancing their mortgages? 46:51 - Considering various options including reusing LMI benefits before refinancing 51:15 - Stop looking at LMI as just and additional cost 56:33 - Strachan Taylor's property dumbo About Our Guest: Strachan Taylor serves as Helia's Strategic Partnership Leader, where he spearheads a dynamic partnership team dedicated to collaborating closely with lender customers in pursuit of helping more Australians achieve financial security through home ownership, expedited by LMI solutions. With a comprehensive skill set encompassing team leadership, communication, and business development, Strachan brings tertiary-level qualifications and extensive expertise in sales, marketing, distribution, and risk management to the helm, constantly striving to enhance risk and capital management solutions and provide valuable market insights for Helia's customers to bolster their risk-writing capabilities. Connect with Strachan Taylor: Visit their company website: https://helia.com.au/ Follow Strachan on LinkedIn: https://www.linkedin.com/in/strachantaylor/ Resources: Visit our website https://www.theelephantintheroom.com.au If you have any questions or would like to be featured on our show, contact us at: The Elephant in the Room Property Podcast  questions@theelephantintheroom.com.au Looking for a Sydney Buyers Agent? https://www.gooddeeds.com.au Work with Veronica: https://www.veronicamorgan.com.au Looking for a Mortgage Broker? https://www.blusk.au Work with Chris: hello@blusk.au Enjoyed the podcast? Don't miss out on what's yet to come! Hit that subscription button, spread the word and join us for more insightful discussions in real estate. Your journey starts now! Subscribe on YouTube: https://www.youtube.com/@theelephantintheroom-podcast Subscribe on Apple Podcasts: https://podcasts.apple.com/ph/podcast/the-elephant-in-the-room-property-podcast/id1384822719 Subscribe on Spotify: https://open.spotify.com/show/3Ge1626dgnmK0RyKPcXjP0?si=26cde394fa854765 See omnystudio.com/listener for privacy information.

In this pivotal episode of "Money Grows On Trees" titled "WARNING Listen To This Before Buying A Property Investment," host Lloyd Ross dives deep into the realities and intricacies of property investing. If you've ever considered diving into real estate as a means to wealth accumulation, this episode is a must-listen. Lloyd deconstructs the complex dynamics of property investments with precision, applying his extensive expertise in real estate law and development. From understanding the long-term financial commitments and risks to analyzing potential returns, Lloyd leaves no stone unturned. He breaks down real-life examples, explaining critical concepts such as financial leverage, negative gearing, and more. Whether you're a novice or seasoned investor, Lloyd's insights aim to empower you to make informed decisions that best suit your financial goals. Don't miss out on this eye-opening discussion – listen now and equip yourself with the knowledge you need to navigate the challenging waters of property investment.

How to conquer the property market WITHOUT a 20% deposit? This episode cracks the code!   Let's smash through the down payment barrier! First up, how can you optimise your deposit strategy and make every dollar count? Got some home equity? Use it to turbocharge your portfolio and get those tax perks! How can you channel the upcoming tax cuts to smart investment?Now, let's talk about building a killer portfolio. Think long-term, stay savvy, and keep that hustle mindset going strong. Nail these steps, and you'll be riding the wave to financial freedom in no time.

THE BEST BITS IN A SILLIER PACKAGE (from Friday's Mike Hosking Breakfast) Or We Could Talk Mortgages and Insurance/Mark the Week/The View from Hamilton/When Conspiracy Theories Collide/That ReportSee omnystudio.com/listener for privacy information.

Clarifying Mortgage Insurance | Do You Need It?    As a realtor, you need to be able to offer sound advice when advising and negotiating a deal. Mortgage insurance is a topic that we should at a minimum understand if our clients ask. Raman explains the topic and the implications. Start your career in Real Estate today! Our courses equip you with the skills needed to pass your licensing exam in Alberta. Link in the comments. 

In this seventy-ninth bite, join co-hosts Crystal Price and Shannon Hiller from Clark County Credit Union as they enjoy soul food at Mario's Westside Market, explain the difference between mortgage insurance and homeowners insurance, and reveal how you can still find time to read after becoming a parent. Hear the famous catfish worth traveling for, how home equity works, and the perks of audiobooks. Learn more at CCCULV.org

Real Estate's 80/20 Rule - An Introduction To Mortgage Insurance⁠

In this episode, Doug Hoyes is joined by Ted Michalos as they discuss the importance of doing an annual financial checkup.  Doug explains the importance of having a plan and touches on various topics such as updating your will, insurance, investments, bank accounts, taxes, passwords, and debt.  Now is the time to review your finances and make a plan for the new year so you can set yourself up for success! Time Stamps   00:00 Introduction 01:20 Self Assessment 02:03 Review and Update Your Will 02:57 Power of Attorney for Personal Care & Power of Attorney Over Property 04:18 Insurance 04:24 Life Insurance 05:16 Term Insurance 06:15 Mortgage Insurance vs. Life Insurance 08:15 Medical/Disability Insurance 09:23 Asset Insurance (Car Insurance, Homeowners Insurance) 10:31 Credit Insurance 11:32 Investments 11:39 Do Investments Still Make Sense? 13:53 Bank Accounts 14:41 Should You Have More Than One Bank Account? 18:30 Big Banks vs. Virtual Banks Interest Rates and Fees 23:41 Should You Reconcile Your Bank Account? 25:36 Passwords 26:30 Taxes 26:58 Debt – Make a Plan Related Links: Why You Should Bank at More Than One Bank https://www.hoyes.com/blog/why-you-should-bank-at-more-than-one-bank/ Why Do I Need To Switch Banks? I Love My Bank. https://www.hoyes.com/blog/why-do-i-need-to-switch-banks-i-love-my-bank/   How to Open a New Bank Account For A Bankruptcy or Consumer Proposal https://www.hoyes.com/blog/opening-a-new-bank-account-bankruptcy-consumer-proposal/ RRSP, Registered Savings Accounts and Bankruptcy Laws https://www.hoyes.com/blog/rrsp-bankruptcy-laws-canada/   Power of Attorney: Can I Deal With My Parents' Debts?  https://www.hoyes.com/blog/power-of-attorney-parents-debts/ Income Taxes and Bankruptcy – What You Need to Know https://www.hoyes.com/blog/income-taxes-and-bankruptcy-what-you-need-to-know/ Crushing Debt. Why Canadians Should Drop Everything and Pay Off Debt https://www.hoyes.com/blog/crushing-debt-why-canadians-should-drop-everything-and-pay-off-debt/ What is a Debt Free in 30 Debt Assessment? https://www.hoyes.com/about-hoyes-michalos/debt-free-in-30/

Are you in the process of securing a mortgage for your dream home? Navigating the world of mortgage insurance can be quite the challenge, but worry not! In this enlightening video, we break down the two main types of insurance you'll encounter during your homebuying journey: Private Mortgage Insurance (PMI) and Homeowners Insurance.

The Biden Administration made an announcement that FHA (Federal Housing Administration) mortgage insurance premiums will be cut to create more affordability for homebuyers. What are the details and will this be good or bad for the economy? Please like, subscribe and email me at RealMortgageMaverick@gmail.com to collaborate or request topics for the show. Enjoy!

The changes, for banks with $100 billion or more in assets, are designed to revise rules tied to risky activities including lending, trading, valuing derivatives and operational risk. Today's Stocks & Topics: 2nd Quarter GDP, High-Yield Savings Account, GT - Goodyear Tire & Rubber Co., KBR - KBR Inc., Economic Reports, Bonds, VUSB - Vanguard Ultra-Short Bond ETF, Mortgage Insurance, LLY - Eli Lilly & Co.  Plus: Key Benchmark Numbers and Market Comments for: Treasury Yields, Gold, Silver, Oil and Gasoline.Advertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

Your questions are about insurance in this episode. What is the difference? And which are must-haves... and which are not. Erin goes over all the types of insurances:  —life —critical illness —disability —mortgage insurance (Term Insurance) —Homeowners insurance —and if you own a condo, fire insurance certificate Original airdate - May 25 2022 ___________________________ If you are a Canadian who wants Erin and her team to handle your mortgage, fill out this application: https://velocity.newton.ca/sso/public.php?sc=167blqm2y0b8f www.ErinKellyMortgages.ca Check out Erin's free mortgage webinar here: https://www.erinskyekelly.com/registration-page-b95590bc-1969-4710-bd97-6e05a7ff7140  Free resources no matter what country you live in at www.FinancialTransformation.ca   Erin's books:  Get The Hell Out Of Debt  Naked Money Meetings    If any of the links provided here receive affiliate commissions, it goes to support sponsoring people into the Get the Hell Out of Debt online program who otherwise could not attend. You are changing lives!  

Today, Jason talks about how the powers that be and how we as investors could benefit from the fear of the attack on the US dollar as the reserved currency of the world through his patented Inflation Induced Debt Destruction and seize the tremendous opportunities available in the housing market! You are also invited to join  https://www.EmpoweredInvestorPro.com/, it's Mentoring Program and social network where they do a deep dive into single-family home investing. Jason also talks about asset protection and estate planning. To find out more go to https://JasonHartman.com/Protect  today! Jason also finishes his talk with Tobias Peter, Director of research at the American Enterprise Institute's Housing Center in which they discuss the FHA Mortgage Insurance Premium, the government's complicit role in today's housing shortage and much more. Key Takeaways: Jason's editorial 1:00 Witnessing the decline of civilization 1:55 American influence and benefitting from Inflation Induced Debt Destruction 5:37 Tremendous opportunities for investors right now are fantastic 6:33 “Financial innovations:” Fractional investing and NFTs 11:17 Join the https://www.EmpoweredInvestorPro.com/, it's Mentoring Program and social network 14:16 Asset protection and estate planning- Corp or LLC; Trust or FLP Go to https://JasonHartman.com/Protect 14:50 Multi-billion dollar agent commission case Tobias Peter interview 18:57 Matt Taibbi and The Great Bubble Machine 23:19 FHA Mortgage Insurance Premium (MIP) cut will expose taxpayers to increased default risk 24:12 How do we increase housing supply nationwide 30:44 Housing shortage is closer to 22 million homes 35:19  The federal government should get out of the way   Follow Jason on TWITTER, INSTAGRAM & LINKEDIN Twitter.com/JasonHartmanROI Instagram.com/jasonhartman1/ Linkedin.com/in/jasonhartmaninvestor/ Call our Investment Counselors at: 1-800-HARTMAN (US) or visit: https://www.jasonhartman.com/ Free Class:  Easily get up to $250,000 in funding for real estate, business or anything else: http://JasonHartman.com/Fund CYA Protect Your Assets, Save Taxes & Estate Planning: http://JasonHartman.com/Protect Get wholesale real estate deals for investment or build a great business – Free Course: https://www.jasonhartman.com/deals Special Offer from Ron LeGrand: https://JasonHartman.com/Ron Free Mini-Book on Pandemic Investing: https://www.PandemicInvesting.com

For all who joined the 100% Free Financing Webinar, thank you! And for those interested in the Empowered Mentoring program, reach out to us today! Next webinar is coming soon! Today Jason has a fascinating conversation with Tobias Peter, a research fellow at the American Enterprise Institute Housing Center. Jason discovers that the housing shortage could be worse. Plus, Tobias talks about the one solution to the country's shortage problem- the federal government's non-participation in the housing sector. Because all throughout history of the government's involvement, it has done so towards unintended negative consequences. Key Takeaways: Jason's editorial 0:45 Welcome Tobias Peter 1:22 “How to lie with statistics” – US existing home sales 4:13 Sales volume: US existing home sales 4:51 Same chart, different starting point 5:39 One million starting point 7:46 100% Zero down financing webinar replay is coming soon and join our Empowered Mentoring program Tobias Peter interview 8:40 AEI Housing Market Indicators (HMI) and Purchase activity outlook given headwinds 9:36 YOY Home Price Appreciation (HPA) 11:40 YOY Home Price Appreciation (HPA) by Metro (60 largest) 13:58 Geography is less meaningful than it's ever been in human history 16:15 HPA: December 2023 and 2024 projections 17:56 The problem with the Case-Schiller Index 20:01 Housing inventory and month's supply- we are far from a housing crash 22:43 A positive sign- from California 25:30 The infamous Coastal Commission in California 27:48 A quarter century of mortgage risk 28:31  FHA loans- setting minorities up for failure 30:41 We have a better alternative Find Tobias at https://www.aei.org/centers/housing-center/   Follow Jason on TWITTER, INSTAGRAM & LINKEDIN Twitter.com/JasonHartmanROI Instagram.com/jasonhartman1/ Linkedin.com/in/jasonhartmaninvestor/ Call our Investment Counselors at: 1-800-HARTMAN (US) or visit: https://www.jasonhartman.com/ Free Class:  Easily get up to $250,000 in funding for real estate, business or anything else: http://JasonHartman.com/Fund CYA Protect Your Assets, Save Taxes & Estate Planning: http://JasonHartman.com/Protect Get wholesale real estate deals for investment or build a great business – Free Course: https://www.jasonhartman.com/deals Special Offer from Ron LeGrand: https://JasonHartman.com/Ron Free Mini-Book on Pandemic Investing: https://www.PandemicInvesting.com  

Today on the Jimmy Barrett Show:Mortgage insuranceAn IRS whistleblower

In unprecedented news- a former US president has been arrested on criminal charges. So today, Jason talks about how the powers that be are "wagging the dog," how we as investors could benefit from the fear of the attack on the US dollar as the reserved currency of the world through his patented Inflation Induced Debt Destruction and seize the tremendous opportunities available in the housing market! You are also invited to join  https://www.EmpoweredInvestorPro.com/, it's Mentoring Program and social network where they do a deep dive into single-family home investing. Jason also talks about asset protection and estate planning. To find out more go to https://JasonHartman.com/Protect  today! Jason also finishes his talk with Tobias Peter, Director of research at the American Enterprise Institute's Housing Center in which they discuss the FHA Mortgage Insurance Premium, the government's complicit role in today's housing shortage and much more. Key Takeaways: Jason's editorial 1:40 Wagging the dog: Trump attack and supplanting the dollar as the world's reserved currency 4:37 American influence and benefitting from Inflation Induced Debt Destruction 6:51 Tremendous opportunities for investors right now are fantastic 7:48 "Financial innovations:" Fractional investing and NFTs 12:32 Join the https://www.EmpoweredInvestorPro.com/, it's Mentoring Program and social network 15:31 Asset protection and estate planning- Corp or LLC; Trust or FLP Go to https://JasonHartman.com/Protect 16:04 Multi-billion dollar agent commission case Tobias Peter interview 20:12 Matt Taibbi and The Great Bubble Machine 20:48 FHA Mortgage Insurance Premium (MIP) cut will expose taxpayers to increased default risk 22:47 The government and it's policies- hurting the consumer more 24:34 How do we increase housing supply nationwide 25:27 Housing shortage is closer to 22 million homes 31:59 The federal government should get out of the way   Follow Jason on TWITTER, INSTAGRAM & LINKEDIN Twitter.com/JasonHartmanROI Instagram.com/jasonhartman1/ Linkedin.com/in/jasonhartmaninvestor/ Call our Investment Counselors at: 1-800-HARTMAN (US) or visit: https://www.jasonhartman.com/ Free Class:  Easily get up to $250,000 in funding for real estate, business or anything else: http://JasonHartman.com/Fund CYA Protect Your Assets, Save Taxes & Estate Planning: http://JasonHartman.com/Protect Get wholesale real estate deals for investment or build a great business – Free Course: https://www.jasonhartman.com/deals Special Offer from Ron LeGrand: https://JasonHartman.com/Ron Free Mini-Book on Pandemic Investing: https://www.PandemicInvesting.com

For all who joined the 100% Free Financing Webinar, thank you! And for those interested in the Empowered Mentoring program, reach out to us today! Next webinar is coming soon! Today Jason has a fascinating conversation with Tobias Peter, a research fellow at the American Enterprise Institute Housing Center. Jason discovers that the housing shortage could be worse. Plus, Tobias talks about the one solution to the country's shortage problem- the federal government's non-participation in the housing sector. Because all throughout history of the government's involvement, it has done so towards unintended negative consequences.  Key Takeaways: Jason's editorial 1:23 Welcome Tobias Peter 2:04 "How to lie with statistics" - US existing home sales 4:55 Sales volume: US existing home sales 5:33 Same chart, different starting point 6:21 One million starting point 8:28 100% Zero down financing webinar replay is coming soon and join our Empowered Mentoring program Tobias Peter interview Part 1 9:22 AEI Housing Market Indicators (HMI) and Purchase activity outlook given headwinds  10:19 YOY Home Price Appreciation (HPA) 12:22 YOY Home Price Appreciation (HPA) by Metro (60 largest) 14:40 Geography is less meaningful than it's ever been in human history 16:58 HPA: December 2023 and 2024 projections 18:39 The problem with the Case-Schiller Index 20:44 Housing inventory and month's supply- we are far from a housing crash 23:25 A positive sign- from California  26:13 The infamous Coastal Commission in California 28:30 A quarter century of mortgage risk 29:13  FHA loans- setting minorities up for failure 31:23 We have a better alternative   Find Tobias at https://www.aei.org/centers/housing-center/   Follow Jason on TWITTER, INSTAGRAM & LINKEDIN Twitter.com/JasonHartmanROI Instagram.com/jasonhartman1/ Linkedin.com/in/jasonhartmaninvestor/ Call our Investment Counselors at: 1-800-HARTMAN (US) or visit: https://www.jasonhartman.com/ Free Class:  Easily get up to $250,000 in funding for real estate, business or anything else: http://JasonHartman.com/Fund CYA Protect Your Assets, Save Taxes & Estate Planning: http://JasonHartman.com/Protect Get wholesale real estate deals for investment or build a great business – Free Course: https://www.jasonhartman.com/deals Special Offer from Ron LeGrand: https://JasonHartman.com/Ron Free Mini-Book on Pandemic Investing: https://www.PandemicInvesting.com

If you're looking for peace of mind, mortgage protection insurance can give you that reassurance should life take an unexpected turn. In this final episode of our re-mortgage series, Phil breaks down mortgage protection insurance to help you decide if it's right for you. You can access more of Phil's advice for FREE on the Move iQ website Why not subscribe to receive Phil's monthly newsletters, and get his top tips and market updates direct to your inbox. You can connect with us on Facebook, Instagram, TikTok Twitter or LinkedIn. We upload videos weekly over on our YouTube channel be sure to subscribe and let us know what you think. If you have any questions for Phil or any special requests for topics to cover on the podcast, then please email us at hello@moveiQ.co.uk

Are you a first time home buyer that has questions about mortgage insurance when buying a house? What is mortgage insurance? Who has to pay mortgage insurance? Who does mortgage insurance protect? Is mortgage insurance the same for all loan types? In this episode, we are going to give you mortgage insurance 101 when buying a home in addition to discussing when you can get rid of mortgage insurance once you have it so that we can help you become The Educated HomeBuyer. ✅ - Want to get connected with us or to a local expert in your market, please reach out at http://www.theeducatedhomebuyer.com/expert

Live from the zoom town studios in beautiful Bend, Oregon, it's Truth in Lending! The podcast for mortgage people, by mortgage people. On this week's episode, Tammy Golden of Arch Mortgage Insurance joined us in the studio to bust out some mortgage insurance myths and provide some insight to help you better serve your clients. What are the factors for how much the fee will be? How can I get rid of it? and how do market conditions effect prices? Tune in for some helpful information about the new LLPA's from Katie, and as always, your market updates from the Truth in Lending Mortgage News.

What is a mortgage insurance premium, and is a reduced MIP actually helpful for first-time home buyers? And "hypothetically", what do you do if a client you're showing a house to falls through the ceiling while looking in the attic?

There's so much to learn about closing a deal for your client & a lot of it falls by the wayside. We fall victim to routines & for some realtors, they have blinders on & see nothing but the finish line. Today we take an in-depth look into Mortgage Insurance so you can have a better understanding of not only MI but also where you can find resources to learn more for you & your client. For more information on MI, Steven Wacker is the man to talk to!

One of the biggest concerns that home buyers have when they're considering purchasing a new home is how much money they need to have on hand. It can be a daunting task to figure out how much money you'll need, especially if you're a first-time homebuyer.In this episode, we explore all of the home buyer options when it comes to this very important question. For instance, many people may be surprised to learn that they can buy a home with as little as a 5% down payment. However, if you do decide to go this route, you'll also be required to obtain Mortgage Insurance. But how much does that cost, and can it be added to the monthly mortgage payment?Additionally, many people wonder how much money they need to put down to avoid mortgage insurance altogether. This is also addressed in the episode, along with the question of how much insurance is required if you put down a 12% down payment instead. And why is the insurance even necessary in the first place? All of these questions are answered in the episode, and you may be surprised at some of the responses.It's also very important to know where these funds can come from. Did you know that you could utilize your RRSPs to buy your first home? It's true, and this is discussed in the episode as well, along with how long you have to pay that money back.Another important topic covered in the episode is the question of whether it makes more sense to save up for a larger down payment or to invest in a home now while prices are appreciating. This is a tough question that many potential homebuyers struggle with, and the episode offers some valuable insights.Overall, first-time homebuyers will definitely benefit from this episode. With all of the information presented, you'll be better equipped to make an informed decision about how much money you need to have on hand when buying your new home.For anyone looking to connect with Mychal, please reach out to him below:Mychal FerreiraBMO Mortgage Specialist778.994.3222mychal.ferreira@bmo.cominstagram.com/mychalmortgages _________________________________ Contact Us To Book Your Private Consultation:

In this episode, The Brothers discuss the new changes in FHA Mortgage Insurance and how it can affect your affordability with your monthly payment. They also discuss buy down programs and how they can help you avoid payment shock while interest rates settle.

Today's podcast is sponsored by Built Technologies. Increase efficiency, streamline processes, and improve construction and real estate financing. Built connects lenders with key stakeholders to expedite funding and provide real-time deal visibility via a cloud-based digital platform.

The Biden-Harris Administration announced an action that will save homebuyers and homeowners with new FHA-insured mortgages an average of $800 per year, lowering housing costs for an estimated 850,000 homebuyers and homeowners in 2023. I'm going to breakdown the math behind this move and if it should result in you actually changing your decision to buy a home in 2023. Vice President Harris and Department of Housing and Urban Development (HUD) Secretary Fudge will travel to Bowie, Maryland, today to announce that HUD, through the Federal Housing Administration (FHA), will reduce its annual mortgage insurance premium by 0.30 percentage points, from 0.85% to 0.55% for most new borrowers. The mortgage insurance premium is the monthly fee that homeowners with FHA-insured mortgages pay to insure their mortgages, which they pay on top of their monthly principal and interest payments. This is a show for millennial first time home buyers looking to buy their 1st home and build generational wealth through real estate. Real estate is a way to build black wealth and close the wealth gap. Home Buyer Education Home tips on the go, listen to the podcast https://www.houserichshow.com Email: hello@houserichshow.com First Time Home Buyer School- https://www.facebook.com/groups/fthbschool Home Buying & Credit Courses-https://coinsnculture.gumroad.com/l/rHHKs TikTok https://www.tiktok.com/@coinsnculture IG- https://www.instagram.com/coinsnculture/ @coinsnculture coins-n-culture

Thanks to Agile, bringing the mortgage capital markets into a new digital era. From lenders to dealers, Agile is the new way to quote MBS. 

There were some notable declines reported today in housing market data. One good -- the FHA is lowering mortgage insurance premiums for first-time home buyers -- and one bad -- a decline in home sales.

Are you looking for a mortgage advisor who can understand your unique scenario or someone who is licensed in all 50 States as well as Puerto Rico? Then you are on the right channel! I can help you whether you are a first-time homebuyer, or with any type of loan type, you wish to use.  Let's get started!

#AvoidForeclosure #HomeOwnership #homevalues Let's Discuss the ways to Avoid Foreclosure VS. trying to spread fear about a fake real estate crash thats supposed to take place this year...FORECLOSUREGuest:Tony Martinez | Realtor | Remax North Host: Mark Jones - NMLS 513437 | Founder of ReviewMyMortgage.com | President iTHINK MORTGAGE Sr. Loan Officer - The right way to educate & the wrong way to educate about it.     - Spreads Fear and Lowers CCI. (Consumer Confidence Index)         - https://data.oecd.org/leadind/consumer-confidence-index-cci.htm    - How Long Does it Take to Foreclose in Texas?        * In most cases involving a home loan, federal regulations state the foreclosure action cannot begin until the loan is over 120 days delinquent. WHY FORECLOSURE IS A BAD IDEA* Credit History * Ability to Purchase Again     * Creates Additional Hurdles and Waiting Periods* Most Of All - LOSE OF EQUITY SHORT SALES IS BETTER THAN FORECLOSURE … “only if they are upside down on their LTV” MJ     - But is it? * Definition :     * Both short sales and foreclosures can get homeowners out of paying for their mortgages. Short sales are voluntary actions by the homeowner; they require approval from the lender. Foreclosures are involuntary for the homeowner; the lender takes legal action to take control of and sell the property. * Financial Impact :     * In the end, short sales are almost always damaging to your credit, but they do less harm than foreclosures or bankruptcies. A short sale might block you from a mortgage on a new home for two years or so, but a foreclosure or bankruptcy could keep you out of the market for as long as seven to 10 years.May 9, 2022Texas Doesn't Have Many Short Sales : * Situation of Potential Short Sale     * VA Loan due to Funding Fees    * USDA Loan 100% Financing     * Bond Loans with Silent 2nd Waiting Periods after Short Sale? Waiting Periods after Foreclosure? WORKING WITH YOUR MORTGAGE SERVICER TO SAVE YOUR HOME- Because of Programs that are now allowing for Extended Forbearance.- Intermittent Payment Deferral - Loan Modification https://www.attomdata.com/news/market-trends/foreclosures/attom-september-and-q3-2022-u-s-foreclosure-market-report/Only for educational usage. All calculations should be verified independently. Reviewmymortgage.com is not a lender, does not issue loan qualifications, and does not extend credit of any kind. This is not an offer to lend and should not be used to make decisions on home offers, purchasing decisions, or loan selections. Not guaranteed to provide accurate results, imply lending terms, qualification amounts, nor real estate advice. For All Mortgage Lending Needs Please Visit iTHINKMortgage.comRead the full disclaimer here https://ithinkmortgage.com/disclaimer/Closing Cost,Proof of Funds Fun Trivia,Credit Score,Credit Events,Credit Events: Public Filings,Today's Average Rates, where to look, Mortgage Insurance, Property Requirements, House Hacking, Property Condition, Appraisal, Loan Limits, Income and Employment, Affordability - Debt-to-income, Max Purchase Price Calculator, Student Loans, Manual Underwriting, Seller Credits, Special Requirements / Features, Refinancing,Success Rate & Seller Perception,

Thanks to MCT Investor Services, which helps investors scale their seller base, automate the bid process, source whole loan and flow co-issue production, automate AOTs, and analyze performance all in a cost-effective manner. 

This week, Cleve features Sugarloaf Country Club in the Neighborhood Spotlight and discusses the incredible appreciation they have seen in the last 10 years. We also discuss how dogs affect home owners insurance and everything you need to know about mortgage insurance.

Listen to this 4-minute episode with 3 quick tips on how to get rid of your mortgage insurance. It depends on the type of loan, and the current value of your home. But this episode is filled with good news in "3 Ways to Get Rid of Your Mortgage Insurance." 1. Call your servicer to talk about what you just heard in this epsiode. 2. If you can't reach them, reach out to Nicole Rueth at The Rueth Team 303-214-6393 nrueth@theruethteam.com

Another Fed interest rate increase has led to more questions on how a buyer can live the American Dream in SLO County. In this Episode of the SLO County Real Estate podcast with Hal Sweasey. Ermina Karim from Guaranteed Rate and Chad Van Till from Pacific Trust Mortgage go over some options with the team that can get you a much better rate, especially if you don't plan on living in your first home (most people) for more than 10 years. Then there is no reason why you shouldn't still be active in getting to your “Time in the Market” as early as you possibly can. 1:00 to 3:10 the 30 year-Fixed Rate goes up very considerably with every Fed rate hike. Ermina and Chad go over some options that might make more sense to a first-time home buyer. 3:11 to 6:40 Even though the rates continue to go up, they are still lower (as of right now) then they have been historically over the past 50 years. There are even more options that could give a first time home buyer some better rates than the traditional 30 year fixed. 6:40 to 8:50 You need to work with a Mortgage Broker that serves as a financial consultant and will help you feel comfortable when it comes to the product you go with for the funding of your home. 8:50 to 10:26 Don't let any of the thousand reasons NOT to do something be a reason why you don't get into the market early. A good lender will figure out a way you could benefit from something that might scare you away like mortgage insurance. 10:26 to 12:39 The qualifications to secure lending between 2008 and 2022 are stark when it comes to Adjustable Rate Mortgages. Now Banks are much more stringent to avoid a Real Estate bubble that can harpoon the economy. 12:39 to 14:50 What about programs for people without a good credit score and those who are self employed? 14:50 to 17:24 Ermina and Chad are not scared about Mortgage Insurance in some instances you can use it to get the house you buy into the shape you desire. 17:25 to 19:29 If you are pre-qualified does that mean you can just go buy a house? Or is it a little trickier than that? How important is it in the offer process that you have all your ducks in a row. 19:29 to 23:15 What relationship should you have with your lender if you bought at rate that you did not desire, and how can they help you over the next several years while the terms of your ARM is still active?

Thanks to today's podcast sponsor, SimpleNexus, the homeownership platform that unites the people, systems, and stages of the mortgage process into one seamless, end-to-end solution that spans engagement, origination, closing, and business intelligence. To learn more about SimpleNexus, an nCino company, visit simplenexus.com. 

This week Katrina Szadek, Enterprise Risk and Audit Leader at Genworth Mortgage Insurance, joins the show. Katrina is a continuous improvement enthusiast and organizational growth expert. On her episode, she shares the implications of unconscious bias in audit, how to help avoid risk in an organization when it comes to climate change, and why she thinks Internal Audit should not have to report to the CFO.   Be sure to follow us on our new social media accounts on LinkedIn, Instagram, and TikTok. Also be sure to sign up for The Audit Podcast newsletter and to check out my favorite part of the interview on The Audit Podcast YouTube channel.   *   This podcast is brought to you by Greenskies Analytics, the services firm that helps auditors leap-frog up the analytics maturity model. Their approach for launching audit analytics programs with a series of proven quick-win analytics will guarantee the results worthy of the analytics hype.  Whether your audit team needs a data strategy, methodology, governance, literacy, or anything else related to audit and analytics, schedule time with Greenskies Analytics.   *   This podcast is also brought to you by AuditBoard, the leading cloud-based platform transforming how enterprises manage risk. AuditBoard's integrated suite of easy-to-use audit, risk, and compliance solutions streamlines internal audit, SOX compliance, risk management, and security compliance. Automate processes and improve execution with AuditBoard's purpose-built solution, which is designed to address the most pressing challenges of today's practitioners.   Experience the latest in Audit, Risk, and Compliance technology. Visit AuditBoard.com to schedule your product walkthrough to see AuditBoard's award-winning platform in action today.   

Stocks have been more jittery than usual, but volatility is to be expected. Today's Stocks & Topics: MU - Micron Technology Inc., Goldman Sachs and Inflation, Supply Chain Problems, AA - Alcoa Corp., AAPL - Apple Inc., EIX - Edison International, Mortgage Insurance, GOOG - Alphabet Inc. Cl C, 10 Year Treasury Bond, REK - ProShares Short Real Estate, C - Citigroup Inc.  TRIVIA QUESTION: "Can you name at least 5 jobs that might not exist at some point in the near future?"Advertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy