Podcasts about mortgage lending

On this episode of the Live Better Podcast, we chat with Centric's VP of Mortgage Lending, Ashley Wilson, about the different aspects of buying a home in 2023.

FOUNDER, HOUTAN HORMOZIAN joins the show. CRESTICO is your ONE stop shop for all your Real Estate and Mortgage Lending needs. We were created for the purpose of serving a homeowner with the highest quality service and providing all the services you could possibly need in connection with the purchase and/or sale of your home. Our agents and staff believe that education, communication and up-to-date information are the key elements of a successful transaction and we believe that having those key elements enables us to provide our clients with the most positive experiences possible. Selling and buying your home are some of the most stressful times of your life, and at Crestico, we understand that. Let us do the worrying for you! We will work for you to get you everything you need. We have great relationships and ties in the community and real estate professionals, and can get you the best pricing possible on loans as well! We are a ONE STOP shop for all your home buying and selling needs. Sometimes the details of buying and selling real estate can be confusing, scary, emotional and nerve racking. We believe in researching the details and presenting them in common terms in order to put your mind at ease and take you through the process with NO stress and frustration. CRESTICO is a fully comprehensive and highly informative website that provides exhaustive information on the home-owning process. With information about everything from selecting an agent and home, to financing, to inspecting, to moving and design, CRESTICO provides its visitors with accurate, up-to-date and relevant information to help potential home-buyers and sellers make the most informed and beneficial decisions possiblecrestico.com

Senate President Stuart Adams is concerned about first-time homebuyers in Utah, so he's sponsoring legislation that will give them $20K to make it easier to get them that first home. Kara Loftus, Vice President of Mortgage Lending at Mountain America Credit Union, joins the show to discuss what solutions banks and credit unions can offer, including the 40 year mortgage. See omnystudio.com/listener for privacy information.

Good morning ladies and gentlemen, it's Wednesday morning and Good Morning Aurora has returned with the news you need and love. Thank you very much to our listeners, fans and supporters for all of your kind words. Brett Puttin is here with us for the morning show. The news is here for you all. Let's get started, here's the news: - Free financial coaching as a public service is available from the City of Aurora's Financial Empowerment Center and The Neighbor Project. Help is available in over 150 languages and our counselors are standing by to help you. Visit their office Mondays thru Fridays from 9 am to 5 pm at 712 South River Street or call (630) 256-4552 and schedule your appointment today! - Wednesday, February 22nd there will be a great homebuyer seminar hosted by our great partners of Guaranteed Rate. Join Mario Blanquel, VP of Mortgage Lending and Mireya Banuelos at Everlasting Word Church (22 N. Highland avenue) starting at 6 pm. This event is free and open to the public. To register email: mario.blanquel@rate.com - The League of Women Voters Aurora Area, Illinois are hosting candidate forums online for local races. Tuesday, March 7th at 6 pm will be the District 131 School Board forum. Wednesday, March 8th will see two forums: at 6 pm the Alderman At Large & Ward 3 Aldermanic forums will begin at 6 pm. Aldermanic forums for Wards 5, 6 & 8 will take place directly after, starting at 8 pm. Each forum will be live on the Facebook page of the LWVAA. Follow and like the page here on Facebook and Instagram! Have a great day and get ready for more great news and content to come. We appreciate and love you all. Be blessed! Subscribe to the show on YouTube at this link: https://www.youtube.com/c/GoodMorningAuroraPodcast The second largest city's first daily news podcast is here. Tune in every Monday, Wednesday & Friday to our FB Live from 8 am to 9 am. Make sure to like and subscribe to stay updated on all things Aurora. Twitter: goodmorningaur1 Instagram: goodmorningaurorail Spotify: https://open.spotify.com/show/6dVweK5Zc4uPVQQ0Fp1vEP... Apple: https://podcasts.apple.com/.../good-morning.../id1513229463 Anchor: https://anchor.fm/goodmorningaurora #positivevibes #positiveenergy #downtownaurora #kanecountyil #bataviail #genevail #stcharlesil #saintcharlesil #elginil #northaurorail #auroraillinois #auroramedia #auroranews #goodmorning #goodmorningaurora #news #dailynews #subscribe #youtube #podcast #spotify #morningnews #morningshow #wednesday --- Send in a voice message: https://anchor.fm/goodmorningaurora/message Support this podcast: https://anchor.fm/goodmorningaurora/support

Good morning and happy Wednesday. It's the middle of the week, a week that is going by very quickly. We have the news you need and a mention of an interesting bit of scientific news. Get ready for a great show! Here's the news: - Learn about the science behind flirting from Northern Illinois University communication scientist David Henningsen at this great STEM cafe event. The event will take place at Fatty's Pub & Grille in DeKalb. For more information read the full article here: https://www.chicagotribune.com/suburbs/aurora-beacon-news/ct-abn-niu-flirting-st-0212-20230210-iykmtvj2vvelxkldvylmzaldqu-story.html - Wednesday, February 22nd there will be a great homebuyer seminar hosted by our great partners of Guaranteed Rate. Join Mario Blanquel, VP of Mortgage Lending and Mireya Banuelos at Everlasting Word Church (22 N. Highland avenue) starting at 6 pm. This event is free and open to the public. To register email: mario.blanquel@rate.com - The next date for Play Attention, Sunday afternoon play sessions for military and veteran families & children will be Sunday June 11th from 2 to 5 pm. This is provided by Kohl Children's Museum and provides a safe environment for children and families. This is a very welcome initiative for veterans and their families. For more information and to register visit the website here: https://www.kohlchildrensmuseum.org/outreach-programs/play-attention/ Have a blessed, safe and properous rest of the day. Good Morning Aurora will return Friday morning at 8 am. Subscribe to the show on YouTube at this link: https://www.youtube.com/c/GoodMorningAuroraPodcast The second largest city's first daily news podcast is here. Tune in every Monday, Wednesday & Friday to our FB Live from 8 am to 9 am. Make sure to like and subscribe to stay updated on all things Aurora. Twitter: goodmorningaur1 Instagram: goodmorningaurorail Spotify: https://open.spotify.com/show/6dVweK5Zc4uPVQQ0Fp1vEP... Apple: https://podcasts.apple.com/.../good-morning.../id1513229463 Anchor: https://anchor.fm/goodmorningaurora #positivevibes #positiveenergy #downtownaurora #kanecountyil #bataviail #genevail #stcharlesil #saintcharlesil #elginil #northaurorail #auroraillinois #auroramedia #auroranews #goodmorning #goodmorningaurora #news #dailynews #subscribe #youtube #podcast #spotify #morningnews #morningshow #wednesday --- Send in a voice message: https://anchor.fm/goodmorningaurora/message Support this podcast: https://anchor.fm/goodmorningaurora/support

Less than one year ago, the Bank of Canada overnight rate was just 25 basis points. Today, it's 450 basis points – an 18X increase. How have record rate increases affected homeowners and potential homebuyers? What about borrowers with a home equity line of credit (HELOC)? On today's podcast, Ron Butler, mortgage broker extraordinaire, gives us insight into the mortgage world in 2023. He also discusses how recency bias affects our decision-making, with lots of practical advice to avoid paying more for your mortgage than you need to. Tune in! Links: Ron Butler on Twitter: @ronmortgageguy https://twitter.com/ronmortgageguy Butler Mortgage (mortgage rates): https://www.butlermortgage.ca/mortgage-calculator/ High Interest Rates: What Can You Do/ https://www.hoyes.com/blog/rising-interest-rates-and-debt-what-can-you-do/ Bank of Canada, share of mortgages with high Debt Service Ratio: https://www.bankofcanada.ca/rates/indicators/indicators-of-financial-vulnerabilities/ Average Toronto house prices: https://wowa.ca/toronto-housing-market Podcast 293 - Debt, HELOCs, and The New World of Mortgage Lending with Ron Butler https://www.youtube.com/watch?v=VDSd6z5EJzA Podcast 334 - Mortgages & Home Equity Refinancing: What Are The Risks in 2021? https://www.youtube.com/watch?v=-CSt5J7CIQ0 Podcast 376 - Should You Help Your Child Get a Mortgage? with Ron Butler https://www.youtube.com/watch?v=INc3t7ikv-w Podcast 403 - What's Happening Now that Mortgage Rates are up? https://www.youtube.com/watch?v=Iw-HtqgOgJM Podcast 421 - Mortgage Challenges After Record Rate Hikes + Advice with Ron Butler https://youtu.be/kJ9vyHA5pJw

Jessica and Brandon are kicking off 2023 and season two with a conversation with David Cain. David is in the top 1% of mortgage bankers in the US, and has over 20 years of experience in the industry. He is customer-focused and treats clients like family. Not only is he Jessica and Brandon's friend, but he is also their mortgage lender- and has been for years. Tune in as they discuss this “crazy new real estate market,” high interest rates and what to know and do before purchasing a home. You don't want to miss this conversation! If you'd like to leave us a question to be answered during future episodes, you can do so at Speakpipe. We can't wait to hear from you!Be sure to connect with us on InstagramLearn more about Brandon, and Oak City FinancialSchedule 30 minutes with Brandon Please remember to subscribe, rate, review and share our podcast far and wide. It means so much to us!In this episode:Learn more about David and Resource Financial Learn more about Heroes Home Advantage 

Today, we're joined by James Matarazzo. James is the Vice-President of Mortgage Lending at Guaranteed Rate from Fort Lauderdale, Florida, who's been in the industry for almost 35 years.   James is here to discuss his journey in the mortgage industry, how important it is to get training on different skillsets, and how you have to ask your clients questions to know how best to help them.   James Matarazzo's LinkedIn: @JamesMatarazzo James Matarazzo's Phone Number: 954-648-7848   Loans On Demand Website: www.loansondemand.io Luke Shankula's Facebook: @LukeShankula Luke Shankula's LinkedIn: @LukeShankula   I Love Mortgage Brokering: www.ilovemortgagebrokering.com   Find out more about BRX Mortgage: www.rookietorockstar.ca   Find out more about the 10 Loans A Month Academy: www.10loansamonth.com

Peter J. Benjamin joins us today on the Credit Union Leadership podcast to discuss leadership in mortgages today and in the future and what ServiStar and ACUMA are doing to help.  Peter J. Benjamin, CMB Peter J. Benjamin, CMB is the President of the American Credit Union Mortgage Association (ACUMA). A mortgage professional with 20 years of experience, Benjamin has held various positions throughout the mortgage industry including Senior Vice President of Mortgage Lending for Lafayette Federal Credit Union in Rockville, MD. During his time at Lafayette Federal, Benjamin led a high-performing mortgage team that exceeded production and budget goals each year, reduced the Credit Union's cycle times to the industry required timeframes; and improved the credit union's application pull-through rate. As an association, Benjamin wants to see ACUMA members continue to foster the collaborative spirit that has made the association so great and work together to support the American Dream of homeownership. He sees ACUMA as a vital education arm that helps Member Credit Unions gain market share in the mortgage industry. Benjamin plans to grow membership in ACUMA to bring its unique and strong value proposition to more and more credit unions, so they become stronger mortgage lenders and credit unions capture more market share across the country. He plans to engage with the organization's affiliate members and sponsors to strengthen the partnerships. And finally, he will seek to continue delivering the highest quality education and networking events. Benjamin holds a Certified Mortgage Banker designation, sits on the Advisory Counsel for a George Washington University School of Business leadership certificate program and is a Six Sigma Black Belt. He spends his personal time with his wife, Danielle, and their three kids. A DC-area native; he enjoys hiking through our National Parks system, brewing in his basement home brewery, and spending quality time with his family. Peter J. Benjamin, CMB Organization President   Join ACUMA today for energizing experiences! JOIN ACUMA TODAY!

Westpac has increased their interest rates following the OCR increase announcement, making them the second bank to do so after ANZ. Both special rates for these banks for one year are sitting at the 6.5 percent mark, with the expectation that they'll go up to 7 percent in the first few months of 2023. Brad Olsen, Infometrics Chief Economist says that these rates will be stressful for borrowers, as 46 percent of them will be expected to spend half their income on mortgage payments. Brad also states that employment numbers are still at a high point, but that's not expected to be a buffer for long based on economic predictions for 2023. LISTEN ABOVE  See omnystudio.com/listener for privacy information.

Refinances are something that are often discussed between Mortgage Lenders and their clients, and they received a ton of press in Fall 2022 when rates skyrocketed.  But if you're new to home buying, getting a mortgage may be confusing enough, let alone getting a new refinanced mortgage down the road. In this episode, Brandon Frye, SVP or Mortgage Lending at Guaranteed Rate and Alison explain and discuss refinances - when to consider them, how they work, and why they can be a valuable tool for buyers and homeowners. Subscribe to our show and feel free to reach out to us on The RARE website or directly to Alison with comments and questions: www.theRAREdc.com | alison@theraredc.com IG: @theraredc

In this week's Money news in human words, I talked about the alcohol-free booze maker that's just dominated the fast 100 lists with some massive growth and what that means for investors in the outlook for 2023. I talked about some of the changes to residential property investors borrowing in mortgage assessments, NAB's big move to increase the number of residential property investors can borrow, the Insto move into the Australian property market, and what that means for people still looking to get onto the ladder. Also, I covered the top stock predictions for 2023. This episode is perfect for anyone who wants to read through the headlines and figure out what it means for their money and their investments.   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/ben-nash-pivot/podcast-intro-chat    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  

Email: Uncommonpodcast@outlook.comFacebook: @UncommonPODTwitter: @UncommonPCInstagram:  @dustin.duff     @Bpop80    Gettr: @DuffdbGab: @Duffdb#UNCOMMONPODCAST #realestate #coloradomarket #COrealestate #interestrates #inflation #homebuying #homeselling #housing 

Even  when rates drop a bit, we are not seeing an uptick in new mortgages. What does this mean for the market? Where do we go from here? This is likely just one more element that will force home prices down! Join me in discussing how this might shape up in todays show! —————————————————————————————————————————————————— ➡️ Instagram: https://www.instagram.com/rebelbroker/ ➡️ Twitter: https://twitter.com/rebelbroker ➡️ Facebook: https://www.facebook.com/whitelawre/  

A red line is being drawn through the idea of a 40-year-mortgage. With interest rates up and property prices still high, some buyers are asking why banks can't offer a longer mortgage term to make payments more affordable. Currently, all lenders are maxed out at 30 years. Mortgage Lab's Rupert Gough says interest becomes very expensive over 40 years. LISTEN ABOVESee omnystudio.com/listener for privacy information.

In this episode of The Closing Table we chat with James Beaver a self-employed door to door produce salesman at the age of 7 turned Branch Manager at Envoy Mortgage.  Tune in to hear James' insight on the mortgage industry, the benefits of coaching, fly fishing tales and this week's riveting drink of choice. Watch on YouTube:  Follow us on Instagram: https://www.instagram.com/theadamsgrouptx/ Browse our website: https://theadamsgrouptx.com/

Mortgage advisers have recently been suggesting that it may be time to start splitting your home loan.  Bruce Patten from Loan Markets has been saying that the forecast around interest rates is 'murky', and he's recommended that all his clients split their loans in order to spread their risks financially. Bruce Patten explained what's going on with the current market and why buyers may need to be prepared when it comes to the Reserve Bank, as it's too unclear as to what will happen with the market come December. LISTEN ABOVESee omnystudio.com/listener for privacy information.

This week's episode is a collaboration with the 1% Podcast hosted by Hunter Lee. Hunter was a huge help to me when I began this podcast; he gave me the ins and outs on how to make this dream a reality. Hunter is a mortgage lender for Shelter Home Mortgage in Atlanta, GA. If you are here to get 1% better TODAY then this is the episode for you. Make sure to check out the 1% Podcast as I was a guest featured on Episode 39. Here is the link to Hunter's linktree so make sure to check him out on social media and join in weekly to listen to his podcast. https://linktr.ee/hunterlee15Check out my social media below for all the behind the scenes of life!!!https://www.instagram.com  TikTok: https://www.tiktok.com/@chasingrealestateFacebook: https://www.facebook.com

A Clare auctioneer doesn't believe new mortgage lending rules will 'shake up' the housing market. However, Douglas Hurley from DNG O'Sullivan Hurley Auctioneers in Ennis says the loosening of rules won't result in a huge pool of newly eligible buyers.

The CEO of St Francis Credit Union is warning the loosening of mortgage lending rules coupled with a rise in interest rates could see borrowers find themselves in financial difficulty very quickly. The Central Bank yesterday announced first time buyers will be able to borrow up to four times their gross income. Louis Fay from St. Francis Credit Union has been speaking To Clare FM's Morning Focus.

The Central Bank later today is set to announce that it will ease its mortgage rules to allow households to borrow up to four times their income in taking on a home loan. Is this a positive step for people trying to get on the property ladder? Speaking to Ciara this morning was Brendan Burgess, Founder of the consumer forum Ask about money.com

The Central Bank has eased mortgage lending rules for first-time buyers. First time buyers will be permitted to borrow four times their gross income from January, an increase from the current 3.5 times rate. Second time buyers will now need a 10% deposit when purchasing a property, down from the previous threshold of 20% Kieran was joined by consumer expert and presenter of The Home Show on Newstalk, Sinead Ryan and Chief Executive of the Banking and Payments Federation, Brian Hayes…

A Clare financial advisor fears new mortgage lending rules could push up house prices. The Central Bank this morning confirmed that mortgage lending rules will be eased from January to allow first time buyers borrow four times their gross income, an increase from the current 3.5 times rate. Second time buyers will now only need a 10 percent deposit, down from the previous threshold of 20 percent and people who have gone through divorce separation or bankruptcy can now be reclassified as first time buyers. Tommy Corbett of Carey Corbett Financial Solutions in Ennis has been telling Clare FM's Rebecca O'Sullivan he isn't sure this is a positive move given the current shortage in housing supply.

Charlie Weston, personal finance editor with the Irish Independent, and Michael Dowling, managing director of Dowling Financial explain what the Central Bank's easing of mortgage lending rules mean for first time buyers. Catch the full chat by pressing the 'Play' button on this page.

Pearse Doherty, Sinn Féin Spokesperson on Finance, Cormac Lucey, Finance Columnist with the Sunday Times

Charlie Weston, Personal Finance Editor with the Irish Independent, reports on an expected change to mortgage lending rules.

Today I'm joined by John Hymet from Logical Choice Finance. We're chatting to John today because finance has to be one of (if not the most!) important pieces of the development puzzle. When we started our building and developing journey we went to two of the big four banks and laid out our financials but both banks refused to help. I thought this meant that we couldn't play the game. However, when a Real Estate agent heard of our situation, he pointed us in the direction of John. John helped us understand our position, the benefits of using other lenders and how to structure ourselves so that we look better to banks. That's where our journey began and ten years later we're still working together. With a Diploma in Mortgage Lending, savvy Real Estate knowledge, property investment experience, and over 20 years of association with many major and securitised lending institutions, John's role as a broker is to provide confidence and support in finding the right lending institution. This is the major benefit of a broker. They really help you understand the various financial scenarios different lending institutions offer, and which one works best for you. There can be a fair amount of confusion when it comes to brokers - many people don't understand exactly how they work, how they earn commissions, and what the benefits can be to using a broker over a bank. In this conversation, John explains what it looks like to deal with a broker, clarifies how they are paid and explains the benefits of working with someone who doesn't have allegiance to just one financial institution. We discuss the current (and predicted) interest rate rises, offset accounts, why you should be considering a reassessment of your home loan and the benefit of changing your repayments from monthly to fortnightly. We also touch on self-managed super funds and the importance of having a job in the early days of your development journey. John helped us get into the game when we first started developing and, since then, he's helped us get to the position we're in. He's straight talking and gives excellent advice about thinking outside the paradigm, not following the crowd and grabbing opportunities when you see them. LINKS: Website:    https://www.logicalchoicefinance.com.au/ Phone:        03 9497 5455 Email:        admin@logicalchoicefinance.com.au LinkedIn:    https://au.linkedin.com/in/john-hymet-796a5b13   Free BuildHer Free Project Feasibility Template   Buy our new book:        BuildHer, A practical guide to building and renovating BuildHer Website:        https://buildhercollective.com.au/ BuildHer Instagram:        @buildhercollective BuildHer Facebook:        Women who Design, Decorate, Renovate & Build Register for a call:         https://go.oncehub.com/BuildHer See omnystudio.com/listener for privacy information.

Interest rates are at 18-year highs in Canada and if you got a mortgage in the last few years, you're probably dealing with higher mortgage payments today. If rates keep rising, what potential challenges will come up for mortgage holders? What happens when you hit a trigger rate? What do costly mortgages mean for renters? On today's podcast, mortgage expert extraordinaire Ron Butler returns to discuss the impact five straight interest rate hikes have had on mortgages and whether now is a good time to buy. Ron also shares a special announcement at the end of the podcast – be sure to tune in for some great insights and practical advice. Links: Ron Butler on Twitter: https://twitter.com/ronmortgageguy High Interest Rates and Debt: What Can You Do/ https://www.hoyes.com/blog/rising-interest-rates-and-debt-what-can-you-do/ Average Toronto House Prices: https://wowa.ca/toronto-housing-market Butler Mortgage (Mortgage Rates): https://www.butlermortgage.ca/mortgage-calculator/ Show 293: Debt, HELOCs, and The New World of Mortgage Lending with Ron Butler https://www.youtube.com/watch?v=VDSd6z5EJzA Show 334: Mortgages & Home Equity Refinancing: What Are The Risks in 2021? https://www.youtube.com/watch?v=-CSt5J7CIQ0 Show 376: Should You Help Your Child Get a Mortgage? with Ron Butler https://www.youtube.com/watch?v=INc3t7ikv-w Show 403: What's Happening Now that Mortgage Rates Are Up? https://www.youtube.com/watch?v=Iw-HtqgOgJM

Real Estate and Mortgage Lending are cyclical businesses. There will always be slower seasons and even slower years. But the question is, how do you handle it? In today's episode, Colleen and Alicia discuss how you can make sure you stay business and continue to push through the slow times. They've got some great ideas! --- Send in a voice message: https://anchor.fm/leadingladiesofmtre/message

The housing market has seen incredible growth over the past few years and the low interest rates have been a big driver of that. Many people have been taking advantage of this current investing environment to buy properties that will generate income. Today we continue our discussion with Gary Kubalski and Keith Abramo from Union Savings bank to learn more about the different mortgage options available and what that process entails.   Here are some of the things you'll learn on this episode: What are blanket loans? (1:28) What key qualifications are lenders looking for? (2:52) Bridge loans vs blanket loans (5:22) How they assist people that are interested in commercial investing  (12:30) Ways they work with the local community.  (19:35) Check out part 1: https://baschrock-fg.com/ep-95-the-benefits-to-lending-through-a-local-bank-part-1/

The Lykken on Lending program will feature our Weekly Mortgage Updates with Adam DeSanctis and his MBA Mortgage Minute, and then Les Parker's TMSpotlight, a macroeconomic perspective on the economy with a music parody. That leads to Matt Graham of MBS Live providing you a rate & market update, followed by David Kittle, Chief Executive Officer @ Cypress Mortgage Capital, to discuss mortgage originations. Then we have Alice Alvey of Union Home providing a regulatory & legislative update, then Allen Pollack giving us a Tech Report on the latest technology impacting our industry. Finally, we wrap up the first half of the program with Marc Helm, Senior Executive Partner @ Transformational Mortgage Solutions, talking about Loan Servicing and the “Agencies”. All the while Jack Nunnery who has a 38-year career in mortgage banking, and David will be expounding on each of the regular segments.CHECK OUT:**KNOWLEDGE COOP'S 2022 Continuing Education Is Now Available! The 10% discount code for the above events is: TMS2022September 26th- Houston https://knowledgecoop.swoogo.com/houston2022/beginSeptember 30th - Austin https://knowledgecoop.swoogo.com/austin2022/begin**MBA Annual Convention & Expo in Nashville Oct. 23-26**Fannie.Mae's CIO on Mortgage Lending's Digital Future, Technovation 697

697: Ramon Richards, CIO of Fannie Mae, speaks about the digital transformation of Fannie Mae and the mortgage lending industry. He gives an overview of Fannie Mae's business and what the digital transformation at the company entails including incorporating automation, maturing a data strategy, and building a team to foster innovation. Ramon describes the process of upskilling the employees with the digital skills necessary and how technology facilitated resiliency during the pandemic. Finally, Ramon looks ahead at the trends in technology that are on his radar and reflects on his long tenure as well as the keys to his success.

Bobby T and the Viking jump into the college tuition reimbursement plan; is it fair, how much is it and will it actually happen? Washington DC mayor blocks almost 50% of black teens from attending class and then she asks the for the National Guard to take care of the immigrants. BOA is setting us up for another housing crises with some crazy lending.  Is Zuck about to get Clintoned? We also have some celebrity news, WTF and GTFOOH.  Support the show

When is your money actually due when you buy a house? Plus a very interesting eviction story involving AirBNB. It's questions time with Geoff!

When you are shopping for a home loan, there are some fees you may be able to NOT pay. Geoff goes over some of the fees that you can ask your lender about.

As a business owner, the mortgage lending process can be painful. You have to explain how you make your money and justify how you have great cash flow. You have to prove to the lender that you have a sustainable business, and if you do not have the right people on your team, it can feel like everything is working against you. I've seen this with clients, colleagues, and even experienced it myself. So, I am very excited to have Jose Tejada on this episode to share his expertise. Jose has been in the financial industry for 20 years. He is currently the Vice President of Mortgage Lending at Guaranteed Rate. As a loan officer at one of the largest retail mortgage lenders in the United States, Jose is committed to helping home owners with home purchase loans and refinances while simplifying the mortgage process and making the home loan experience easy to navigate. You will want to listen all the way to the end of this one to hear all of Jose's advice on maximizing your chances of a smooth lending process.   >>> Connect with Jose on IG @the_talented_jt_ >>> Visit his page: people.rate.com/jose-tejada-765390   >>> Questions about this episode? Text me!: https://my.community.com/shannonweinsteincpa >>> Chat About This Episode in the Keep What You Earn Community – http://keepwhatyouearn.circle.so >>> Hire us!: https://www.fitnancialsolutions.com/accounting >>> Find me on IG @shannonweinstein: https://www.instagram.com/shannonkweinstein >>> Catch me in-person on YouTube: https://www.youtube.com/channel/UCMlIuZsrllp1Uc_MlhriLvQ >>> Featured in Yahoo Finance! Read more here: https://finance.yahoo.com/news/10-bookkeepers-accountants-watch-2021-113800161.html     The information contained in this podcast is intended for educational purposes only and is not individual tax advice. Please consult a qualified professional before implementing anything you learn.

"I am seeing big stock market declines across the board in the second quarter. Covid-19 restrictions make year-over-year comparisons difficult. Investment banking and mortgage lending took a big hit. However, trading in equities and bonds remains strong. Also, credit card sales and balance did well," says Octavio Merenzi

Logan Cates of @TexasBayCU joins Geoff to talk about the number of days it takes for your lender to fully approve your home loan. By the way, it can happen way earlier than you think!

Scoot talks to Scott Schellhaas, VP of Mortgage Lending for Metairie Bank, about what could finally trigger the release valve on global inflationary pressure

Real estate investing often requires a slow and steady approach, but there is a way to increase your investment returns, through private mortgage lending. You have a chance to become the bank by lending your own money to individuals who need a mortgage, but are outside the box of traditional lenders. Chad Robinson is the president of Align Mortgage Corporation and IQ Lend Inc. A fully licensed mortgage and real estate broker with 25 years of experience, he is also the author of the book, Becoming the Bank. I sat down with Chad this week to find out more about private mortgage lending, and why it offers so much potential for some real estate investors. You can find the show notes for this episode at https://maplemoney.com/201 Do you prefer to invest in socially responsible companies? If so, our sponsor Wealthsimple will help you build a portfolio that focuses on low carbon, cleantech, human rights, and the environment. To get started with Socially Responsible Investing, head over to https://maplemoney.com/wealthsimple today!

In this week's episode... Brandon Abro returns from episode 38. Instead of photography, he talks about his mortgage company. Since 2021, Universal Mortgage Lending has been helping people understand and navigate the complex process of buying or refinancing a property. Services help clients secure the necessary financing for one of life's most significant purchases. "I'm committed to easing your concerns and addressing all of your mortgage needs. I provide personalized guidance and direction regarding a variety of financing options, empowering you with the knowledge and resources you need. Get in touch today to start making smarter choices regarding mortgages." Brandon Abro Episode 38 :https://www.youtube.com/watch?v=FFjPi94nr-g&t=3s LINKS: WEBSITE: universalmtglending.com/ INSTAGRAM: instagram.com/universalmortgagelending/ LINKEDIN: linkedin.com/company/universal-mortgage-lending-llc PHONE (248) 910-4341 EMAIL: brandon@universalmtglending.com #keepingupwiththechaldeans #chaldeanDetroitMichigan #kuwtc Keeping Up With The Chaldeans is a weekly Podcast show based on Chaldean Entrepreneurs. We showcase your work in hopes that we can share the business amongst the community. Strength in numbers. That is our goal with the show! To learn more about "The Chaldean Community in Detroit" please visit:

In this episode of the Dr. B Show Podcast, Dr. B talks to the Vice President of Mortgage Lending at Guaranteed Rate, Luis Sanchez-Santana. Having signed up at 17, Luis learned the ropes of leadership from his military training and continues to apply those skills in real estate and as training officer in the New Jersey Army National Guard. Luis also talks about the main reasons why many Americans nowadays are having a difficult time purchasing property, and why he thinks the currently volatile real estate market will stabilize itself eventually. HIGHLIGHTSAn army man in real estateHow being a soldier helped Luis become a leaderThe market will eventually correct itself Why people are finding it difficult to purchase homes Monitor your credit two years before purchasing propertyAttend a first-time homebuyer's seminar as soon as you canThere's no one-size fits all profile for clientsQUOTESLuis: "I went through different stages of leadership, but every stage taught me something new. It taught me to be adaptable and understand that no matter where you go, it's always about the people. Regardless of what business organization or anything you are in, you always gotta treat people as people first before anything else." Luis: "The biggest thing that keeps people from actually qualifying for a home is credit. And that's just because people don't realize that they have to monitor their credit up until they are ready to buy and then they realize that their credit isn't where it used to be." Luis: "If you're planning to buy a house, you should probably start looking at your credit, your income, your assets about two years out and figuring out the stuff you need to do in order to buy a house. Don't wait until the day that you're ready to buy a house. Do it prior to, and be ready to buy a house when the time comes." You can learn more about Luis in the links below.LinkedIn: https://www.linkedin.com/in/luis-sanchez-santana-a6689a66/Instagram: https://www.instagram.com/on_missionlender/Facebook: https://www.facebook.com/LuisSanchezSantanaGRIf you're listening to the Dr. B Show Podcast, please subscribe, share, and we're listening for your feedback. You can also learn more about Dr. Jario Borja at http://borjaconsultinggroup.com/.

In this interview of Brew Bucks we interview Dave from @Coinsnculture and The House Rich Show. Dave is a mortgage loan officer and did a deep dive with us on how the home buying process works from a lenders perspective. We talk about all of the different options you have as a buyer and maybe what options would work best for you. This episode is geared towards someone looking to buy their first home, but could be informational for anyone. Sit back and listen to our talk with Dave!Get started budgeting with YNAB here for free: Free TrialCheck out Dave's InstagramFollow us on InstagramFollow us on TwitterVisit Leftcoastfinance.com

In this video, David Corwin Deputy Director of lender and partner activities with the USDA Rural Development single family guaranteed program shares the ins and outs of USDA loans. He's going to tell us all about USDA loans and how they can benefit home buyers across the country.  If you're looking to build your business with more listings, don't miss this video! Looking for some help? Jen is seeking individuals who would like to be featured as a panelist on the show for her Mortgage Lending Mastery Mastermind Series. Email admin@jenduplessis.com to get scheduled! https://www.rd.usda.gov/ https://www.rd.usda.gov/resources/usda-linc-training-resource-library Learn more about your ad choices. Visit megaphone.fm/adchoices

Today, we have somebody in studio, we're not in studio on Zoom, that just started doing video maybe three, four months ago, consistently. He's done it in an area that let's just say most people aren't doing video, and because he was sort of sticking out like a sore thumb, he just shot right up. One of the questions we get is like, how do I use video if I'm going into a new market? Well, we're going to show you that's exactly what we're doing here.Our guest today is Stan Hartzheim is an experienced Mortgage Loan Originator who has a demonstrated history of working in the financial services industry with Certification as a Divorce Lending Professional as well as expertise utilizing FHA, VA, USDA, and specialty loan programs. Skilled in Divorce Law, Mortgage Lending, Sales, Budgeting, Customer Service, Contractors, and Nonprofit Management.Three Things You'll Learn in This EpisodeHow to use video when you're new to an areaThe wonders of consistencyCreating a sphere of influenceResourcesLearn more about Stan Hartzheim Real Estate Marketing DudeThe Listing Advocate (Earn more listings!)REMD on YouTubeREMD on InstagramStan's Contact Information: (720)883-8452Stan@dblhloans.comTranscript:So how do you track new business? You constantly don't have to chase it. Hi, I'm Mike Cuevas a real estate marketing dude. And this podcast is all about building a strong personal brand people have come to know, like trust and most importantly, refer. But remember, it is not their job to remember what you do for a living. It's your job to remind them. Let's get startedWhat's up ladies and gentlemen, welcome another episode of the real estate marketing dude podcast. What we're doing today, folks, is we have somebody in studio, we're not in studio on Zoom.That just started doing video maybe three, four months ago, consistently. And he's done it in an area that let's just say most people aren't doing video. And because he was sort of sticking out like a sore thumb, he started just like, shot right up. This is somebody one of the questions we get is like, how do I use video if I'm going into a new market? Well, we're going to show you that's exactly what we're doing here. Before I introduce our guests today, we're gonna discuss like what his journey was. But more importantly, this is a mortgage brokers isn't a real estate agent. It's a mortgage broker, who for the last X amount of years worked primarily in the Denver market, Denver, Colorado, just recently has relocated moved over to just north of where he's at into Cheyenne, Wyoming, and now is building his brand within the Cheyenne Wyoming market and seen and trying to almost like starting over again, right? He's got to create new realtor relationships, you got to create a new sphere of influence, doesn't mean he's not doing business in Denver, but he just starts he knows he needs to start building his brand there as well. So we're gonna share his story see exactly sort of how it works with the man Stan right here. And without further ado, we're gonna introduce Stan the Man to the show. Stan, how are you today, sir? I'm doing great, Mike. Thanks for having me on. Why don't you just do a quick intro to everybody first last name what you've been doing for the last 20 years of your life? And who the hell are you?Yeah, so my name is Stan hearts I'm I run a team called wh Home Loans team with a company out of Dallas, Texas called southwest funding. And I've been in the mortgage business since 2017. kind of creeping up on people, like you said down in the Denver market and building my brand down there building out a little bit of a team have our operations staff still in an office down in Aurora, Colorado,had an opportunity to move up to the wide open spaces, just outside of Cheyenne, Wyoming on a little ranch yet, and man couldn't couldn't be happier. We got 10 acres of land, got a beautiful, sprawling ranch house and a lot of wind, wind. And your and you guys were just you're just moving mainly for lifestyle, right? You just want to get more space. But you're got obviously you're gonna bring your mortgage business up there. And what were one of your biggest concerns you had before going into a new market?You know, I think like, look like anybody when you're starting out in the new market. It's like starting out a new business. And so there's some trepidation of how do I grow that business? How do I grow the brand? I think my biggest fear, however, knowing that Cheyenne was a little bit of a smaller town than Denver, obviously was, I grew up in a small town. So I kind of get it. There's some relationships there that have been going on since you know, elementary school or middle school. And when you come into that new market, how do you win over that business? You're anytime you build a business, you're stepping into relationship with people, and sometimes that means stepping between them in their existing relationship? I'm hate to say it, but that's the reality. And how do you do that? If somebody has been friends since middle school? Right. So that was kind of my challenge coming into a smaller market? Yeah, that makes I mean, that's pretty much with everybody. We get a lot of people that hey, I'm in a new market. I don't have a spare because I don't have that will video work. We will be anywhere from you there. So Stan has been Stan is in full disclosure stands one of our clients, and we want to share a story becauseStan started doing video about four months ago, I believe right about now and you just recently got we're not like creating 30 videos a month, right? We're just doing two videos, keeping it simple. But you just recently got picked up from the new station. I hear. Tell me about that.Well,it's been a variety of things have happened in the last few months. We started doing these videos, not not mortgage related. I talked about mortgages all stinking day long. So I thought it'd be a lot of fun to share my journey of learning about Cheyenne and the surrounding state of Wyoming with as many people as I could. Right away when I got here I found out that thisCities a little misunderstood. It's it's not just cowboys. Andyou know, it's there's a lot I guess I'll let me rephrase that there's a lot to do here, a lot of people don't realize it's very beautiful, it's close to the mountains, just like Denver is are on the other side of the mountain Salt Lake City. And we wanted to just kind of spread the word like this is a growing community that has a great infrastructure and a lot of really friendly people. So we started doing videos just to capture our journey around town. You know, as we met, people are winning and visited establishments, learned about the neighborhoods kind of started to zero in on where we wanted to live. We thought why not record this and have Mike and his team make it look good for us. The name of the show is actually in Stan's model like we had to. And I almost did the same thing. And I wish I would have I'm doing it now. But five years ago, and I moved to San Diego, I didn't know if I was going to sell real estate, I didn't know what the hell is gonna happen. I was literally starting over a brand new career in foreign land, foreign territory, I didn't know what the hell was going to happen. I didn't want to sell real estate. But I did have in the back of my mind that if I was the only story I'd be able to tell would be that of a transplant. And at that time, I was going to create a show called San Diego transplant and I was gonna do was just still myself being a tourist, you know, and just discovering while I learned the city, which is what Stan is doing right now. So in his case, we ended up building a show called why not? Like why not Wyoming? And it all ties in with the branding and on that, but Stan's not talking about mortgages on these videos, are you? Well, not yet. I try to avoid it.You know, I love that we came up with the name, why not? I don't know if the listeners will be able to tell. But I got a fairly dry sense of humor. And using that reverse psychology works really well. For me, I think it becomes a little bit of a funnier thing. But yeah, we try to avoid talking about mortgages, we'll do a bunch of stuff that is mortgage related.You know, what is interest rates and PMI, and so on. We teach classes up here in town, and we'll probably record some of those and get you guys to edit it. You know, it's been a lot of fun where we've caught on, like you mentioned, the news stations have have reached out to us. There's there's two big companies that run before local news stations. And they've been reaching out and asking us, hey, you know, do you want to get on our show? Do you want to advertise with us? You know, you seem like you're doing pretty good with video. The other thing that's happened that kind of came out of left field for me, because I don't think I'm some sort of trending superstar. Butyou are, oh, all of a sudden, like people are like, Hey YouTube guy, would you do our product? Would you do this or that we'll you know, we'll give you a free product, we'll we'll sponsor this or that. I didn't see that coming in a million years, I'll be honest. So that's been kind of fun and interesting to see the variety of people that are interested in what we have to say. And you're coming from a position of value. And that's what like, I think a lot of times, and maybe even now you're starting to see it. But before we even started doing this, I don't know if you'd call this conversation. Like we don't have to talk about mortgages. And as a matter of fact, and last, we talked about mortgages and more attention you're gonna get, because when you when you guys start creating videos, you start creating content, what you're really doing is you're just creating conversations, you cannot create conversations without creating content first, right. AndI want to give you guys a different analogy, especially for all your mortgage brokers out there, or even brokerage owners. And this is what this should click because a lot of times, like Mike, I just don't get it. I don't get how me doing a video on a business or me doing a neighborhood tour, this can lead the business, and I'm going to share with you how. So let's get out of the real estate business Dan, and I'm going to share with youa very important lesson I learned from taking one of the Digital Marketer courses, so I gotta give credit where credit's due. I started studying Ryan Deiss Digital Marketer, which is a very high end, or very advanced called Digital Marketing Company. They are the guys that do traffic and conversion and all these other things. Long story short, I'll never forget this. And this is the way my mind works because of one of the I don't know where I saw this was one of the training courses I bought, I was taking one of the lessons. And Ryan Deiss who's one of the CO owners of the company, back in the day before they became all famous and all that they had to they were just an online digital marketer company, right. And they brought on a roofing client, the roofing client at the time. And in Texas. How long do you think a roof lasts in a house in Texas thenI have to guess it lasts a while 2025 the severe weather that we have up here that's for sure. 2025 years, which means that the person that they sell their roof to either most likely transacts the house or dies before they need a new roof which means there is no repeat business. Right? It's not and it's not in that type of business. It's not like you get a ton of referrals. Like it's not like roofers are like through show me a roofer. It's sort of like a plumber, right? You're like hey, can plumber he's a plumber is an electrician, nothing bad about that. But I'm just saying it's not like a super duper, duper highly referral business where everyone's like, Oh, sending the roofer business. Sowhen you need them, you just need them when you need them. Right and you don't really have any loyalty towards a person that doesn't maybe you know someone maybe you don't, but it's almost like a guyHello page type business you thought you sir, find the first company you see, and that sounds good, and then you roll with it. So the point is, is that they had to come up with a marketing plan online for this company. And here's what they ended up doing. So they knew they had to go a roundabout way and think outside the box. What they did was they created a gutter cleaning service. And in the gutter cleaning service, let's just say the going rates were $99 to get your gutters clean, they charged 25 except all their gutter cleaners were experts at identifying roofing issues.What do you think happened next in?Well, I can imagine they started to identify a lot of faulty roofs or roofs with problems on a percent of their sales went through the roof, but they had to create a gutter cleaning service to identify the roof issues, right. So they had the forward thing. See when I'm looking at a lender, in your case, having video that's exactly what it is. The video is your gutter cleaning service to start having more conversations. This is true for a broker owner that's trying to recruit this is true for a lender that's trying to build more relationships. This is true for anybody. See, what we're doing is we're not creating content and videos to sell our shit. We're creating, we're creating content and videos to have more conversations to build trust that will eventually lead to us selling our shit.Right? And that's just that's just the reality of it. Right? And I want you Let's go through sort of what's happening in your market because I wanted to have you on the show. Becausewhen you have the opportunity to do something different and stick out or stand out. That's the Holy Grail. Everyone's always asking us, okay, I want to get leads. I want to get this. I want to get that, folks. Warren Buffett once famously said, when zig zag or they zag Zig. That's exactly what this business is. Because everyone can trip over a mortgage broker on the street, everyone could trip over a real estate agent on the street. And what really makes someone hire you9.9 times out of 10 it's brand and personal relationship. And if they envision themselves to working with you, would you agree with that, Stan? Yeah, I agree. And I think that is the great unknown about video. I didn't certainly know that even six or eight months ago, how much people get to know you through that video exposure. I mean, people, people walk up to me now, like, they've known me for years. And maybe I've met him once before, maybe I haven't. So the other thing that happens, just intuitively, I at least for me, as I started to create things that I say kind of routinely as part of my video making process, right and, and we went on a road trip, I decided that the best way for me to do these tours, especially in a great big state, like Wyoming was a road trip around. And so I started just telling people in my video just kind of just naturally Hey, jump in the car, let's go we're going on a trip, you know, and now it just opens up like a crazy funny line when I bumped into someone at a coffee house, Hey, come on up. And let's go we're going for a ride, you know, like, let's talk for a minute. And it just kind of it transitioned from video to real life really intuitively. What happened? The smaller the town, the easier it is, believe it or not, because think about it, like you come to San Diego is a lot of people are doing video you go to Chicago, New York or a major city. And then you're not so much you don't have as much attention on there. Even though there's more people, even those a bigger population. But you don't have as much attention because you're just one of many. Whereas in Cheyenne, you're one of only how many other mortgage brokers in the Cheyenne market are doing video.You know, there's a few people doing some real short, you know, the short, short recordings or whatever that they throw on Facebook, or maybe you know, some some reels kind of stuff, but I don't think anybody's doing YouTube. There's one real estate agent that is doing some YouTube stuff, but it's negligible. So you gotta go way up north, there's a there's a Gallup north, it's doing a really good job with YouTube videos and short, short shorts, recordings. But that's it. I mean, in the whole state, there's like two of us. That's why you got the news.I love it. So why don't you share with everybody, you know, are you nervous when you got started? What did you think, like, come through that because most people are usually like, hey, I want to do it. But everyone wants to just be done with it. But very few people actually will take action and go through and actually do it. I never understood why.But my gosh, Mike i i can tell you exactly why. You know, it started out with this goes back years. I'll be honest, this goes back to one of my first jobs when I had to do some phone, some phone work. I worked for a large hospital in Colorado, and I had to do some phone work and I'd always think Man, I hate the way I sound on the phone. And someone told me you know what, whatever you sound like is what you sound like you talk all the dang time you never shut up. So just get over it right and then I started to contemplate doing videosLast year and I'm like, Man, I got a face for radio bro. I don't know if I should be doing these videos and then people are like, whatever you look however you look man, you just, you know, you walk around all day you're not hiding under a rug. So get out there and do it. That was it. And and then the follow up to that it's just, you know, scripting like, do I am I gonna sound like a robot? Or am I gonna sound natural, I'm gonna look natural. How's this gonna come together? And I would say the first couple of videos were pretty brutal. I'm not gonna lie. I won't sugarcoat it. I stumbled over the lines, I think we recorded you know, the first one was a eight minute video, I think we recorded an hour and 20 minutes worth of stuff and just kept kind of getting through it. It wasn't, it wasn't embarrassing, because I knew somebody was going to clean it up first, I guess. But it was it was kind of brutal. But after that one, I would say literally, the very next video got 100 times easier. And then from there, they've gotten easier and easier. I still feel like I tried to read the script, or I tried to, you know, make it real polished or professional. And I'm getting over that, you know, I,you know, maybe your listeners will go check out my channel, we just did a brutal, brutal, brutal pub tour. And there was no scripting like, I'm like, Okay, I'm gonna go visit these 13 places, I'm probably going to get drunk while I do it. And I'm gonna have to try all this stuff that I learned about each of these stops, because I'm doing a little history tour with it. And you know, my brand has to teach people something. So I might as well tell them about these breweries. And you know, by the time we got to the end, did I drop an F bomb? Yeah, I did.I did, and that others did a great job of leaving it in there for me. So that was fun.You just got to have fun with it. And you know, that's what I'm learning and the nerves will go away. Have you ever, like hung out with somebody that you just can't be yourself around?A couple times, I got a brother in law thatwas trying to impress him, right. So I tried to live live large, and it's just, it's uncomfortable. You know what I mean? It's, it's no differently like that on video. Like, when you're creating content, you're just speaking to one person at a time. And you're right, like, you should I always tell people, you can't be nervous about the act of shooting video. Because if you are, why you're you control it, like you could just delete it or not post that video or not do it, you can just reshoot it, right? So the whole act of of shooting and and all that stuff is just mindset. None of this stuff is hard. Like if you truly, and I always say this on the show is like if you surely believe you're the right person for the job, whether you're a lender or a real estate agent, it actually becomes your obligation to let the world know about it. And if not, that's very selfish and shady. And if you don't agree with that, then you're not the right person for the job. So there's either one or the other. There's no in between on this. So you have to really look at that for yourselves. And everyone always says I'm the right person for the job. Well, if you're the right person for the job, why the hell are you so scared to tell the world about it? That's when it comes down to you guys. And it's not that creating content or video and all that stuff is hard. It's just something you're not used to. But I'm gonna go on a limb and stand Do you remember your first loan application? Or actually, let's do your first million dollar loan application. Within the first year or two? Were you fucking nervous?I can remember doing both. My first loan application was was utterly ridiculous in the in the day and age of technology.I wanted to be that personal touch right? So I grabbed my old paper 1003 and ran over to the people's house and wrote down all the information and I was nervous as heck. And I thought, Geez, what if I forget some piece of pertinent information? Or what if I don't, you know, get this right or I don't explain something right. And then I realized when I got back to the office, that that was the stupidest thing to be worried about, because it was a simple phone call to get the rest of the information that I maybe forgot like this. That's how I feel about video and just you maybe you do record, you know, rerecord it or you delete something and start over, but it's not the end of the world if it's not perfect on the first try. And that's kind of how that loan application when I remember the first time my first time I had showings, I was 22 years old, and I got the client from cold calling. So I would just do whatever it took back then. But I was working in the city of Chicago, I just moved back up from Carbondale where I went to college and I didn't know my way around the city of Chicago. So and we didn't have at that time we didn't have phones that had Mapquest on him. We had to go to Mapquest online and then print out the instructions, and then print this shit out. Like I would have outside brains, I would bring the Mapquest and I'd have a sheet of paper like this. And if we're looking at six properties, I would have six sheets of paper, I'd have the listing sheet on top and then beneath it would be the Mapquest instruction because I had no fucking idea where it's going. And I had to go out there and fake it till you make it with these clients. So like so what's this neighborhood like? I'm like a. And as a matter of fact, the day before the showings, I went out and I drove the route, just so I didn't look like an idiot with them in the car with me.Right and you had this is like the type of stuff that I didn't like seeoften be like, Hey, I'm not gonna go any showings because I don't know what the neighborhood is, which is no differently. So I'm not going to shoot this video because I don't know what I'm going to look like. Like folks get over yourself. No one is. And we're not that important, like, I'm not that important stands out to important, the only one who thinks that we're that important ourselves. That's right. And I think that's true as so many things, Mike, you know, we started teaching these classes in front of rooms full of people, and I can tell you even now I get nervous before we're going to go do it. But for me to sit back and say, No way, I'm too afraid I'm not going to do it. The only person I'm hurting is myself, I'm just shoot yourself in the foot with that mentality. So you know, get out of your comfort zone and go do something new. So let's, let's go into your video strategy. Totally agree. So when we started out with Stan, he started out doing a lot of stuff. Like there's different types of content you could create for different reasons. When we saw standard channel, or we're standing the opportunity, we just know that there's no one else in Cheyenne doing enchance, a big city, relatively speaking to the area, it's a city, right, any city gets searched on YouTube. And because Dan was the first one there, that's why we're able to pop his channel and say, pop his channel, he's generating lots of 1000s of views on the videos. And that's what led to him getting picked up by the news and all that stuff. But now that you've built out the channel, and you have that street club, the video that he was doing, he's referencing here is really funny. It was about what, eight minutes long, nine minutes long, give or take. Yeah. And the longer you did, you did a brew tour on site. So you guys had like the city was putting on like a Abreu history tour. Right. So I'm curious, because I haven't talked to you about this. But what people don't realize is the act of shooting, the video turns into relationship building itself, as well as other additional content you could be doing on stories and all this other stuff. So I'm curious to know, like, you're walking around on this tour, how many people were on the tour?You know, it didn't really have like a point, a starting point, you know, and then get to the end line, it was kind of jump in the middle, you know, go at your own pace sort of thing. So, I mean, there were, I don't know, hundreds of people doing the tour, but there wasn't a group of 100 are going from place to place to place, right. So and some people are going backwards to the direction we were going. So we kind of kept bumping into a few people here and there that we'd see over and over at different stops. But yeah, so it was a little bit unique in that way, just because everybody was kind of doing their own thing. How many conversations did just the fact that you had a video camera in your tripod with you start throughout the day? Oh, I mean, we had 13 stops, there had to been 40 kind of I mean, it was three at every every stop probably. And, you know, a half a dozen of those 40 or so conversations were probably people like oh, no, don't get me on camera. And I'm like, don't worry about it. You're gonna be on camera? Yeah.Then I'll get input when you're having a conversation. So what are you doing these videos for? What are you doing this for? And then he's creating an excuse to start? Well, I'm actually a mortgage broker. And what we do is we go around here and you have that conversation, which is totally different than just going up and be like, Hey, do you need a loan? Oh, by the way, my name is Stan. That's like asking a girl to get in the bed the first time you meet them, guys. This is not what you do. Right? You don't you can't just ask for business. Before you even know someone, you have to earn it.And you only earn it came out of that too is meeting meeting people and having those conversations but then also meeting either the management or owners of the establishments we were at everybody was jazzed, right? Like they're like, hey, when you know, When can you come back and let's talk more about my business. I'm like, I'd love to come back and talk more about your business. That was a really powerful part of that tour as well. So I was going right there. Perfect. So like what we should do, we'll just turn this into a coaching session, as long as we're here. What I want you to do and what you should do now is that yes, you had 10 bars, okay, now you could go to all 10 of those bars and do a business owner interview on them that gives you 10 More videos to do. See what's going to happen on the business owner interviews is that those owners are going to share that video around with their friends, family, aunts and uncles and all of those owners lips somewhere. All of those owners have a referral for Stan over the next 12 months. It's just a matter of if they're gonna give it to him. We've seen a guy this is a funny story status is funny. This is what happens with business owner interviews. So we have a dude in Northwest Arkansas and he went out and he did this business owner interview for some kind of like it was in their market it was like the new swanky hotspot right? This dude sort of The Bachelor so he was taking a chick there on a date and he went there on it he takes his girl on a date after he did the business owner interview with the owner right so here he comes he's got it he's got this girl on his on his arm he's trying to he's trying to impress her and all that pulls up to the restaurant the owner steps aside everybody come here come here I got the best table in the whole restaurant for you right here you got the perfect view brings them a bottle of wine on the house and all that the chicks like holy shit, this guy was this guy. And this is what's funny about the story is the guy goes you know later on and they start doing business together. And and he goes like this he goes seeI'd like to say something because Hey, Jay,it's funny that, you know, my wife's cousin is a real estate agent. And, you know, traditionally we're always using her, but you are now my real estate agent now. Right? So he literally, we're just talking about how do you step over prior relationships, and you do it through adding value to other people's lives, you guys know, right. And there's just so much leverage. With video, you can do that. If you're in a market like that, just imagine going out and networking with all the different businesses in that market and let them sell your stuff, right. But you have to give to receive, you should always try to give it's written in the Bible, those who give, give, give, give, get it in return in some way, shape, or form. It's just the way we're supposed to be, in my opinion. Unfortunately, a lot of us always have our hands out.And when we have our hands out, nothing really lands in them to do that. That's right. So I want you guys to think about coming from a value or if you're thinking about video come from a position of value and contribution as opposed to because it's not about the content that you're creating. It's not about what you're doing on video, it's about how you're doing it. And how you're leveraging it. Tell me really quick as a prior to Denver, what are your ratios? versus how much of your business comes from real estate agents? How much your business comes from your own sphere of influence? Where does most of you originate from? And what would you say your largest sources are, um, you know, Don, in our Denver market, I was I was pretty blessed to get in early in my career with a bunch of doctors, nurses and surgeons, and surgical techs. So I got a lot of business out of the hospital environment. Wellness, I'll get into why, but that just I fell into the right niche. And so I was really fortunate to be able to start building up my business by giving out referrals, I wasn't necessarily hounding real estate agents for their referrals, as much as I was saying, Hey, do you want to partner up? You know, I might, I might not give you as many as you give me or, or maybe I will, who knows. So I would say my business down there over the last, you know, five years or four years that I was in that market has been 60%, self generated 40% referrals, and of those referrals, you know, 3030 35% Of that number, that total number was from real estate agents. So we did pretty well within that niche. Up here in Cheyenne, it's a little different. Everybody starts out at the real estate agent level.It feels like I mean, I'm still getting another lay of the land. We've only been up here since December. Butthe banking industry is very strong here, right? A small town people are familiar with their bank, they've been banking there for a long time. So we have to overcome the stigma of going outside of the bank for a mortgage, and the relationship that that person then might have with their real estate agent friend that they've known since they were 12.You know, we we've really, I spent a lot of time last year, you'll remember some conversations, my eyebrows, like what does it mean to brand yourself like I have a logo was that my brand, like trying to make a brand. And what I found out is when we created this show, in large part thanks to you, Mike, you got me off of that topic and said, hey, it doesn't matter what that branding piece looks like that logo, you have a brand that fits your personality and who you are. And what I realized, that I love doing was teaching people stuff. And that's how the whole video series has come together, we were taking people on a ride to teach them about our local area about a local business. And that has translated from the show being called Why not Wyoming to why not university right? We got why not you and we're doing these whole series of classes around town. And when I go talk to the Board of Realtors, it's it's really interesting people know that I am there when I stand up to talk, I'm going to tell them about some new educational opportunity that's going to grow their business. Yeah, and that has been our value add that I don't think I would have put my finger on without you kind of steering my show in a direction and then allowing my personality to come out. If I was just doing mortgage related content. I just be up there droning on and on. Most peoplewhether regardless of what business you're in, even me like I'll do a video on how to do video. It's the least engaged stuff I post I swear, like and it'll be really good content. It's like our training content. Like I'll do a video on how to script a video through story. And that'll be you're gonna copy all great video good video, but truth is, is that that doesn't generate a shitload of views and attention a lot of times, same with real estate. However, I do create a lot of it because there's different content for different reasons. You see, like if you guys want to go to my website, you can go to www dot real estate marketing do.com And what you're gonna see on the website is a bunch of content. Every page on the site has a video and the reason why I created all thatstuff over the last five, six years is because when people visit our site, they're not questioning whether or not I know what I'm doing. It's sort of self evident. They're questioning how I'm doing it. And if they like me, Can you envision yourself working with a dude? Can you not envision yourself working with a dude? And truth as you guys get my personality, if you listen to my show, you know, I'm not the most perfect human being I sit every day. However, I'm 100% authentic. And what what what people really want is just a trust, and you cannot outsource authenticity, you cannot.You just can't do it. And when people I believe when people look at a lender, or an agent, or financial planner, or anybody, the first thing that comes through their mind, and people always say you don't judge a book by its cover, you're shady. If you do that, well, I'm sorry, that's just the way God made you. Everyone's going to judge a book by its cover. It's just the way that it is guys. Right? That's just the reality of it. And when you look at somebody, I could like, look at somebody, like, I could tell I'm gonna get along with that guy. Right? You get that same feeling, right? I could, I've liked that person's Mojo, I'm gonna, I'm gonna I want to drink a beer with that guy, I want to hang out with a guy. You just know who your tribe is. There's a reason why elephants hang out with elephants. Like I've never seen an elephant and a cat hanging out and watching a movie together. It's because we're naturally attracted to people that are like us, whether way way shape or form they may be there might be personality that might be erased, that might be in skin color that might be in whatever it is. But whatever it is, understand that you're the only one like it out there. And when you embrace your own individuality, and your uniqueness and your authenticity, and you scream it from the rooftops, and you're damn proud about it, that's what people are attracted to. No differently than what Stan is doing now and Wyoming no differently than what I've done on the show for the last six years. Some people are gonna like it. A lot of people aren't.I love when a lot of people aren't, because if you don't have haters on your shit, you're not doing it right. You're not meant to be perfect. It doesn't exist. God's the only perfect beam that exists in the world. And you're not him. Don't even try to compete. What you can do is embrace what you are, whom you are, how you do it, and scream that from the rooftops. And I believe that you'll be rewarded through people just like you because that's who you will track. There's not a shortage of business.There is everyone I look everyone I look at, like literally, everyone lives somewhere unless I check.So it's not a matter of if they're going to move, it's really a matter of when they're gonna move folks. Statistically, in Chicago, when I was practicing in the city was three to five years in the suburbs was four to seven. I knew my numbers because I knew if I just stayed in front of people, everything we're talking about when it comes to branding, content creation, the more people who know what you are, the more opportunities that open up. But it is mathematical not theory.If 100 people see your content, 10 to 15 of them are moving this year.The question is, are they going to use you when they do?The more you're on top of mind, the more likely that happens? Right? So this isn't rocket science. This is relationship building.This is leveraging content. And this is all based upon your personal brand.Stan, what are you going to do with? Have you tried any events with real estate agents yet on the video stuff, if you taught a I think your next move is a teacher scripting class, you have the social St Cloud scribe to do it now. And you could literally just launch an education series towards real estate agents. You could partner with real estate agents and do different neighborhood tours. You could partner with real estate agents and do different construction tours. Because you're not a real estate agent. Your job is not to sell those properties. It's their job. But you still share the same client.Yeah, I think some or all of that is in the works. You know, we we launched our educational series for real estate agents. In fact, we're doing a class this evening. It's going to be tailored at mortgages, mortgage one on one workshop, because we had to start somewhere. I would love to start at the beginning of the year. And then goal planning and you know, Vision boarding and all kinds of fun, cool, ethereal stuff like that. But here we are in May. So we thought we're gonna start with some mortgage stuff. So people remember what we do. And then next month, we've already announced our June class is going to be on social media and some video stuff. So exactly what you said. But we have been reaching out to there's a few people that like I said, are doing some of the short, you know, forum video stuff that have been doing some neighborhood tours, we want to put that on steroids. So I've been reaching out to them because they're already fairly comfortable with that given area or that neighborhood. So we're gonna go back and kind of recreate some of their neighborhood tours, but we're gonna put it on steroids with a little more viewership. You know, a little bit better quality, so on and so forth. And thenyeah, just continuing to do what we do with the business owners. I think that's that's really our kind of our strategy for the next you know, two to three months is continue getting these videos, these people on video that are owning businesses. You know, like you mentioned earlier, when youWhen you do an interview of the business owner, they let you, you know, take them in or they share it or whatever I found even on our on our beer tour, I asked every single manager of every, every all 13 places we went, I was like, Hey, do you mind if I share this, like, I'm gonna take you in this? And they were like, Yeah, that's fine. But what I found is you can't always take a business page, but you can check in at their location, which achieves kind of the same results. So I just, I'm gonna go back. And you know, we've already pushed that video out, but I'm gonna go back and repost it and just check myself in at these various different locations, even with the video we already have created, and then that way, they'll get a double dose when we go back and do their interview. So yep, I would go, definitely, I would go back and think of diners, drives and drives, but recreate that for Cheyenne, and hit up all these different pubs and bars. And I bet you that well, I mean, I know what's gonna happen, but do it. And then maybe we'll have you back on the show. And you can tell people what happened. We Awesome. Hey, I wanted to say one other thing when you were talking about not being perfect, too.You know, what a true statement. And And yet, the imperfections are the things that people are drawn to quite often. When I look at the commentary that comes through my videos, it's, it's funny how often somebody, you know, it's easy to get defensive. And so I'll read a comment where somebody's like, Hey, you didn't pronounce that, right? That's not how we say that, or whatever. And I could be like, hey, what a jerk. Why are you all up in my grill over this? I didn't even know like I say in the in the video I'm visiting, how the heck did I know that? But instead, I'm like, hey, thanks so much for educating me. That is awesome. Man, I will absolutely remember that now for the rest of my life, you know? And if you take that approach that yeah, we're not perfect. And people are going to call you out for that. But it was that that even got the engagement started. And if you don't get defensive, and you just stick with the engagement, man, all of a sudden, you're having three or four more conversations that you wouldn't have had otherwise, you know, if everything had gone perfectly, so embrace those imperfections. That's a great point, I think Jay Baer wrote a book called Hug Your Haters, addressing how to hug on haters, and then how you flip those into, you know, conversion, because you'll be amazed a lot of people will go out there and yeah, they'll hate and then you'll just address it. And then they'll before you know it, they'll be you guys will be best friends. Right? You'll just see some of those people you get, you will get some keyword keyboard warriors out there, no doubt. But that's good. Like, there's everybody who said the same, but there's no such any PR is good PR year and all the time. And who cares? If people are talking, then it's working. That's all that matters. So any other closing thoughts, Dan, that you have any tips for people advice for people, I think you want to mention, I will just go back to where I started, which is what my mentors told me your voice is, you know what it is you sound how you sound and you look how you look. And unless you're living under a rug. Don't be afraid to put that on a recording or on a video because it is who you are. And the more you act like who you are, the better the results are going to be. Love it. Stan, if you folks are in the Wyoming area, but you're licensed in other states to maybe an agent wants to reach out to you or something. Why don't you go ahead and tell people how they can reach you, they could connect with you go ahead and tell them what channel you have. And they could follow you on there if they want to check out some of your content.For comment, yeah, for sure. If you want to see the comment, it's why not? Wyoming wy And O T question mark, Wyoming. That's our YouTube channel, we are@www.db l h loans.com. That's our website. And you can always call me direct. If you have any questions about how to implement some of this stuff or what my experience has been. I'd love to answer it. 720-883-8452 Appreciate it. Stan. Keep it up, dude. Stay the course excited to see what happens in the next three to six months with this. You're doing everything right. Just keep doing it. Folks, thank you. And don't you stop listening to this podcast if folks if you need any help. And you like what you heard here today on Stan story, feel free to reach out to us. We'd like partnering with different mortgage brokers, investors, lenders, real estate agents, broker owners, recruiters, you name it in their local markets. And this is all we do. We script that and distribute videos but more importantly, we give you the right strategy that should fit your brand so that you're actually not looking awkward on video you're actually excited to get on video and that all dials and dials in with the picking up the right strategy, which is my expertise. So appreciate guys listening. Feel free to reach us you can visit real estate marketing do.com Real Estate market.com leave us a review here connect with me on Facebook, Instagram and check out our channel real estate marketing do it on YouTube. And so make sure you subscribe but we will see you guys next week. Have a great day. Stan, thank you so much. And we'll talk to you guys next week. Bye. Thank you for watching another episode of the real estate marketing dude podcast. If you need help with video or finding out what your brand is, visit our website at WWW dot real estate marketing do.com We make branding and video content creationSimple and do everything for you. So if you have any additional questions, visit the site, download the training, and then schedule time to speak with a dude and get you rolling in your local marketplace. Thanks for watching another episode of the podcast. We'll see you next time.

4.29.2022 #RolandMartinUnfiltered: L.A. Riots: 30 Years Later; Wells Fargo sued for race discrimination in mortgage lending practices A look back at what has changed in L.A. over the past 30 years after the 1992 riots.    Wells Fargo sued for race discrimination in mortgage lending practices.  One of the class-action plaintiffs and attorney Ben Crump address Wells Fargo's actions. Support #RolandMartinUnfiltered and #BlackStarNetwork via the Cash App ☛ https://cash.app/$rmunfiltered PayPal ☛ https://www.paypal.me/rmartinunfiltered Venmo ☛https://venmo.com/rmunfiltered Zelle ☛ roland@rolandsmartin.com Annual or monthly recurring #BringTheFunk Fan Club membership via paypal ☛ https://rolandsmartin.com/rmu-paypal/ Download the #BlackStarNetwork app on iOS, AppleTV, Android, Android TV, Roku, FireTV, SamsungTV and XBox

Buying a house is typically the biggest purchase couples make so you want to have your numbers line up with your goals and budget. Learn how you can find the best mortgage rates when you house hunt!  Finding the Best Mortgages Rates Are you two getting ready to start house hunting? Congratulations! When we were looking for our now current house, I remember the excitement of visiting and touring places. I also remember the other side of the house hunt: getting paperwork for the preapproval letter, running the numbers to figure out our budget, and reviewing mortgage documents.  At the time, it was a bit intimidating. Knowing that this was a huge purchase, we really wanted to get it right.  Thankfully we had a great team that answered all of our questions. Now years later, we are still happy with how things turned out. We have a home that we love that's also affordable enough that we can take care of other goals and dreams. I want you to feel the same way about the home you buy and a key part of that is finding the mortgage option for your family's budget.  This is why I'm thrilled to pull from the archives an enlightening chat I had with Wendy Dawson. She's the Vice President of Mortgage Lending over at Coastal Credit Union. She decodes a lot of the jargon and gives some fantastic tips on finding the right mortgage. In this episode we get into: what mistakes to avoid as a first-time homebuyer typical costs of being a homeowner (beyond the mortgage payment) what exactly are Mortgage Interest Rates, APRS, Origination Fees, and Points Hope you enjoy it!   Resources on Getting a Great Deal on Your Mortgage If you're looking to buy, here are some resources to help you find a great deal with your mortgage Best Budget and Money Apps: Personal Capital, Tiller, Mint Jumpstart Your Marriage and Your Money Free 5 Days to $5K Course Basic Mortgage Terminology Buying a House: Explore Interest Rates Buying a House: Loan Estimate Explainer Understand Mortgage Loan Options   Buying a Home: From Contemplation to Closing Thank You to Our Sponsor Coastal! Support for this podcast comes from Coastal Credit Union! If you're living in the Raleigh Durham area and looking to bank better, come check out Coastal today. See how Coastal can help you with your mortgage needs and Daymark Realty has a fantastic team ready to help find the perfect house for you in the Triangle area!  Rollover Your 401(k) Easily with Capitalize We're grateful for wonderful partners like Capitalize. Not only do they support the podcast, but they help make managing your money so much easier.  Did you know that it's estimated that there are currently over 24 million “forgotten” 401(k) accounts? In fact, the average American changes jobs every 4 years.  And because of the Great Resignation, you or someone you know might be changing jobs even more  It's an extreme case of out of sight and out of mind. Is your old 401(k) in there somewhere, left behind at a job you're no longer with?   One huge benefit with an IRA is you get to choose how your money is invested, not your old employer.  If you want to consolidate your old 401(k) and have more options with how you invest, it may be time to roll them over into an IRA.   With Capitalize, they handle the process from start-to-finish – for FREE. They handle the process from start-to-finish, and yes that includes calling the 401(k) provider on your behalf.    Support the Podcast! Thank you so much for listening to the podcast! Spread the word! If you enjoyed this episode and think it can help a buddy get on the path to dumping debt and become financially free, please share. Leave a review. Honest feedback and reviews make a big difference and gets the word out about the podcast. Leave your review on Apple , Spotify, or Audible. Grab a copy of Jumpstart Your Marriage and Your Money. My book is designed for a busy couple to set up their finances in 4 weeks. Get tips and tools that have worked for other couples on their journey of building their marriage and wealth together! Find out how and get started today!                           

Politics is not much tapped into the show but we're aware of its effects on our economy and other policies related to real estate investing.In this episode of monthly market update, we talked about the highlights that I saw from the news in the past weeks. Which includes effects of the Ukraine war on inflation, Houston market, migration trends and there's even a touch of crypto news.If something interests you from this presentation, bookmark it or you may check out all the past investor letters.Visit https://simplepassivecashflow.com/investorletter2:55 New IRS Rule: Higher Penalty- Free Withdrawals for Early Retirees7:08 US Inflation Resulting From Ukraine War12:51 Top Markets for Investors | Metros Which Led Recovery14:37 Single Family Rental Boom17:05 Multifamily Investment Growth21:43 Mortgage Lending & Renters25:16 Rising Interest Rates Mean for Apartment Cap Rates30:59 The Easter Egg See acast.com/privacy for privacy and opt-out information.

Return guest Chris Puleo drops in to share a lending market update! Chris starts off by commenting on the volatility in the market and looks back on how the pandemic shaped what is happening today. He explains “bait and switch” and the questions you should be asking your mortgage lender. Chris dives deep into the different loan programs available in today's market. Chris also delivers Chicago-specific advice on how to navigate the loan process when dealing with non-conforming units! If you enjoyed listening to today's episode, please leave us a 5 star review and share us with a friend! Connect with Mark and Tom: StraightUpChicagoInvestor.com Email the Show: StraightUpChicagoInvestor@gmail.com Guest: Chris Puleo, Neighborhood Loans Link: SUCI Merch Store Sponsors: Kiser Group and GC Reality ----------------- Guest Questions 02:33 House Provider Tip: Be aware of freeze and thaw cycles during the Spring season! 04:10 Intro to our guest,Chris Puleo! 05:40 How is volatility being seen in the lending market? 07:37 How did the pandemic create artificially low interest rates? 09:18 Why does inflation increase interest rates? 11:02 Chris explains “float down” options as it relates to interest rates. 13:05 Are there any good indicators for trying to project the direction of interest rates? 16:06 What is “bait and switch” and what should people watch out for? 19:35 Is Chris seeing a lot of new real estate agents and lenders in this hot market? 24:05 What are other low-down payment options aside from FHA? 26:42 How do “gifts” work in the lending industry? 28:33 What COVID restrictions were previously in place that lenders have lifted? 30:30 What do the requirements look like for self-employed individuals seeking a loan? 32:45 What are some of the programs for investment loans? 35:15 What are things to consider when looking to purchase a building with a non-conforming unit? 38:54 Is there a premium paid for a cash-out refinance compared to a rate-and-term refinance? Wrap Up Questions 43:20 What is Chris' competitive advantage?  44:14 What is the one piece of advice for new investors looking to buy their first property in Chicago? 44:23 What do you do for fun? 45:17 Good book, podcast, or self development activity that you would recommend?  45:47 Local Network Recommendation? 46:42 How can the listeners learn more about you and provide value to you? That's our show! Thanks for listening! ----------------- Production House: Flint Stone Media Copyright of Straight Up Chicago Investor 2022.

Season 4 still live from the H with Houston's very own Developer and the owner of Houston Vintage Homes Tyron McDaniel. You may recognize the OG from one of our previous episodes (Episode 78) where he explained how he got his start in the Mortgage Lending path and built his developing company from there. In this episode, we get to discuss some topics that weren't talked about before like his design strategy and how he provides expensive home experiences for affordable pricing. Tyron also talks us through the journeys, challenges and the victories of providing affordable housing and how he uses his platform with developing to help his neighborhood. This is definitely an impactful episode and you'll definitely walk away with a lot to ponder. Season 4 we're going LIVE!!!!! So you'll see us in more cities near you soon be sure to comment where y'all want to meet us at next! If you're interested in advertising your business on the Black Wealth Renaissance podcast please email jspiller@blackwealthrenaissance for further inquiries. Leave Us A 5 Star Rating & Review ⭐️⭐️⭐️⭐️⭐️ Check out Aspira Pura here and use code BWR10 for a discount