Podcasts about mortgage originators

Thinking about homeownership or investing in real estate while still in college? Join us as we wrap up Financial Literacy Month with Brady Thomas, Senior Mortgage Advisor at LaSalle Mortgage Services. Mr. Thomas reveals three key strategies to qualify for a mortgage. He explains why building your credit early matters and shares tips on managing student loans as a foundation for future home buying. Discover what it means to “live the mortgage payment” and how you can start your real estate journey as a student.⁠ ⁠ As one of the Top 100 Mortgage Originators in the U.S. since 2015, Mr. Thomas brings a proven track record of excellence. He leads Team Thomas – a hand-picked group of professionals (including dedicated loan managers and processors) who share his passion for stellar customer service. Together, they make the loan process smooth and stress-free. Beyond the numbers, Mr. Thomas is driven by a genuine desire to make a positive impact. For each loan closed, he donates $250 to a charity of his client's choice, giving deeper meaning to home financing. He also invests in educating the community – through free homebuyer workshops, a weekly “3 Things in 3 Minutes” real estate trends newsletter, and active social media channels where he demystifies mortgage topics in plain English. Clients and real estate partners often cite his integrity, warmth, and dedication as the reasons they refer their friends and family to him. To learn more about Mr. Thomas and his work, connect with him on IG @peptalkmortgage or visit his website at LaSalleMortgage.com.

Tim Ulbrich, YFP Co-Founder is joined by mortgage loan officer Tony Umholtz to discuss the mortgage process. They break down key steps, from getting pre-approved to closing, highlighting important considerations and common mistakes to avoid when buying a home. This episode is brought to you by First Horizon. Summary In this episode, Tim Ulbrich, YFP Co-Founder and CEO is joined by Tony Umholtz, a mortgage loan officer with First Horizon Bank as they break down one of the biggest financial commitments you'll ever make—buying a home. Taking out a mortgage is a massive financial decision, one that can impact your life for decades. From getting pre-approved to signing those final papers at closing, there's a lot to consider—and a lot of mistakes to avoid. Tim and Tony walk listeners through the mortgage process step by step. They cover what you need to know before getting pre-approved, how the bank sets your max loan amount, and how to avoid common pitfalls throughout the process. About Today's Guest Tony Umholtz is the Senior VP of Mortgage Banking at First Horizon. He graduated Cum Laude from the University of South Florida with a B.S. in Finance from the Muma College of Business. He then went on to complete his MBA. While at USF, Tony was part of the inaugural football team in 1997. He earned both Academic and AP All-American Honors during his collegiate career. After college, Tony had the opportunity to sign contracts with several NFL teams including the Tennessee Titans, New York Giants, and the New England Patriots. Being active in the community is also important to Tony. He has served or serves as a board member for several charitable and non-profit organizations including board member for the Salvation Army, FCA Tampa Bay, and the USF National Alumni Association. Having orchestrated over $1.1 billion in lending volume during his career, Tony has consistently been ranked as one of the top mortgage loan officers in the industry by the Scotsman's Guide, Mortgage Executive magazine, and Mortgage Originator magazine. Mentioned on the Show YFP Mortgage Calculator YFP Episode 212: Common Credit Blunders to Avoid When Buying a Home YFP Episode 380: Understanding and Improving Your Credit YFP Article: 5 Easy Steps to Get a Home Loan…Even If You Don't Have 20% Down First Horizon YFP YouTube Channel YFP Book a Discovery Call YFP Disclaimer Subscribe to the YFP Newsletter Tim Ulbrich on LinkedIn YFP on Instagram YFP Facebook Group Tony Umholtz on LinkedIn

In this episode of Money Mondays, Albert Preciado shares the power of sales performance and cold calling as key drivers of business success. Through strategic lead generation and proven sales effectiveness techniques, our guest reveals how their team achieves remarkable results with 4,000 daily calls. Their sales management approach demonstrates how proper systems can lead to exceptional sales growth, aiming for billion-dollar valuations.---Albert Preciado is the Founder and CEO of The Mortgage Guys, Ambiance Realty, and Driven Enterprises. Albert has been involved in the mortgage industry since 2005 and is a licensed Broker and Mortgage Originator. He faced some of the toughest times in his life in 2008 during the market recession and Mortgage Meltdown. Despite these challenges, Albert chose to weather the storm and remain committed to the industry he believed in. ---Like this episode? Watch more like it

In this special episode of The Money Mondays, we have Albert Preciado as our esteemed guest. This is his third time on the show, and a big reason for that is that he's a seasoned expert in the real estate industry. He's here to share valuable insights, strategies, and tips on how to navigate 2025's evolving real estate market. --- Albert Preciado is the Founder and CEO of The Mortgage Guys, Ambiance Realty, and Driven Enterprises. Albert has been involved in the mortgage industry since 2005 and is a licensed Broker and Mortgage Originator. He faced some of the toughest times in his life in 2008 during the market recession and Mortgage Meltdown. Despite these challenges, Albert chose to weather the storm and remain committed to the industry he believed in. --- Like this episode? Watch more like it

In this conversation, Geoff Zimpfer and Kelly Yale discuss the multifaceted challenges faced by loan officers in the mortgage industry, emphasizing the importance of personal branding, effective relationship building, and the balance between content creation and fundamental sales strategies. Connect With Kelly on LinkedInASK GEOFF A QUESTION❓ Ask Your Question Here***WHEN YOU'RE READY✅ Get Your Realtor Referral Score

Albert Preciado is the Founder and CEO of The Mortgage Guys, Ambiance Realty and Driven Enterprises. Albert is also a Real Estate Investor. In 2013 Albert bought a 3 unit property and like everything else Albert does he went all in and acquired as many multi-units as possible. This would end up being a Life Changer. Albert's original company was The Mortgage Guy and after mentorship sessions the company's name changed to The Mortgage Guys. This was another Life Changer. Albert has been in the mortgage industry since 2005, he is a licensed Broker and Mortgage Originator. Albert went through the toughest times of his life in 2008 when we had a market recession and Mortgage Meltdown but decided to weather the storm and not quit the industry he believed in. The reason why Albert started a mortgage company was because of the pain endured by his parents and himself when they got turned down for a mortgage time after time in the early 90s. Albert always had a dream; to have a house with a big yard and a dog since he was a kid, and it never happened because of unprofessional Real Estate and Mortgage Agents. Looking back, Albert realized how his parents did qualify for a home loan but due to the incompetence of the Real Estate and Mortgage Agents helping at the time, nothing ever happened. Albert committed to start a Mortgage Company from scratch and create a company that will help humble families make their American Dream a reality. ABOUT THE HOST Dr. Bill Dorfman “America's Dentist” ChatGPT ranked Dr. Bill Dorfman as the #1 most well-known and respected dentist in the USA. Dr. Bill Dorfman is not just a famous cosmetic and general dentist, he is THE most famous cosmetic dentist world wide. Affectionately known as “America's Dentist,” Dr. Bill is widely recognized world-wide as a leading dentist who is responsible for creating smiles for many of Hollywood's brightest stars. In fact, Dr. Dorfman has become a star in his own right as the featured dentist on the hit ABC series, “Extreme Makeover,” where he performed amazing dental transformations on the show's participants as well as a recurring guest co-host on the new Emmy Winning daytime CBS talk show, “The Doctors.” In addition, Dr. Dorfman is a world-renowned lecturer & author of the best-selling cosmetic dentistry book, The Smile Guide and the NY Times bestseller Billion Dollar Smile. The innovative & accomplished doctor is also renowned in his field as an energy-brimming inventor & brilliant entrepreneur who has brought award-winning innovations to the world of dentistry. Dr. Bill Dorfman has been interviewed extensively for numerous television shows & magazines including ABC's Good Morning America, The View, Oprah, CNN's Larry King Live, NBC's The Today Show, The Tonight Show with Jay Leno, Dr. Phil, The Rachael Ray Show, Steve Harvey Show, FABLife, The Doctors, The Tyra Banks Show, Ricki Lake Show, Entertainment Tonight, MTV's The Osbournes & Newlyweds: Nick & Jessica, The Wayne Brady Show, The Sharon Osbourne Show, Living It Up! With Ali & Jack, EXTRA, Soap Talk, Access Hollywood & E! Entertainment Television. Learn more about your ad choices. Visit megaphone.fm/adchoices

Tony Umholtz from First Horizon Bank returns to tackle the top 10 questions first-time home buyers often ask. This episode is brought to you by First Horizon. Summary Tony Umholtz from First Horizon Bank returns to tackle the top 10 questions first-time home buyers often ask. With over 20 years of experience in the mortgage industry, Tony covers essential topics like when it's better to buy versus rent, the various lending options available, hidden costs beyond the down payment, how student loans impact your mortgage application, and more. About Today's Guest Tony Umholtz is the Senior VP of Mortgage Banking at First Horizon. He graduated Cum Laude from the University of South Florida with a B.S. in Finance from the Muma College of Business. He then went on to complete his MBA. While at USF, Tony was part of the inaugural football team in 1997. He earned both Academic and AP All-American Honors during his collegiate career. After college, Tony had the opportunity to sign contracts with several NFL teams including the Tennessee Titans, New York Giants, and the New England Patriots. Being active in the community is also important to Tony. He has served or serves as a board member for several charitable and non-profit organizations including board member for the Salvation Army, FCA Tampa Bay, and the USF National Alumni Association. Having orchestrated over $1.1 billion in lending volume during his career, Tony has consistently been ranked as one of the top mortgage loan officers in the industry by the Scotsman's Guide, Mortgage Executive magazine, and Mortgage Originator magazine. Mentioned on the Show YFP Home Buying Resource Page  YFP Episode 380 - Understanding & Improving Your Credit Tony Umholtz First Horizon Tony Umholtz on LinkedIn Tony Umholtz on Instagram Tim Ulbrich on LinkedIn Subscribe to the YFP Newsletter YFP on Instagram YFP Facebook Group YFP Planning: Fee-Only Financial Planning for Pharmacists YFP Disclaimer    

Our financial system is kept in balance through the federal reserve assessing and adjusting the federal funds rate. Due to the recent rate change earlier this month, you'll likely see some new changes coming down the road that will affect your savings and borrowing rates. What do the changes mean for personal finance planning and what financial opportunities could a rate change provide?  Links: Read the Forbes Advisor article mentioned Check out these additional resources for more information about the Fed rate and its impact on your money: MSN: The Fed just cut interest rates. How will your finances be impacted? Forbes: What Happens when the Fed Raises Rates? CBS News: The Fed cut rates for the first time in 4 years. What does that mean for your money? ABC News: The Federal Reserve is finally lowering rates. Here's what consumers should know CBS News: The Fed just made a jumbo rate cut. Here are 5 takeaways on what it means for mortgages and more. Learn more about our financial planning services at Triangle Credit Union Get in touch with one of our Mortgage Originators to learn more about a home purchase or refinance Check out TCU University for more financial education tips and resources!  Follow us on Facebook, Instagram and Twitter!  Learn more about Triangle Credit Union Transcript: Welcome to Money Tip Tuesday from the Making Money Personal podcast.   If you've paid attention to financial news recently, you'll have noticed there was some media attention regarding the Federal funds rate.   On Wednesday, September 18, 2024, Federal Reserve Chairman, Jerome Powell, announced that the federal funds rate would decrease by .50 percentage points, or ½ a percent.   For anyone unfamiliar with the federal funds rate, it's the rate set by the Federal Open Markets Committee that banks use to lend money to each other overnight. What makes this rate so special is that it impacts everything for us as consumers like any APYs earned on savings accounts to the interest rates we pay on loans and credit cards.   One Forbes Advisor article simply stated, “The fed funds rate effectively dictates the cost of money in the U.S. economy.”   The Federal Reserve regularly meets to assess the economy, reviewing important aspects like inflation and unemployment. During this meeting a decision is made to do one of three things, raise the rate, lower the rate, or keep the rate the same.   It's not entirely necessary to know all the ins and outs of how the rate is determined and its role in the financial market, but it is important to be aware of how a rate change can affect your finances.  When the fed rate changes, it affects all aspects of the financial market so there are many signs you should recognize when news hits that the rate was raised or lowered.   When the rate goes up you may notice a few of these changes:  Interest rates on savings accounts and CDs go up  Rates for loans and credit cards go up  It can strengthen the dollar thereby attracting foreign investors   It can slow down economic activity and decrease the rate of inflation  Similarly, when the rate goes down, you'll notice these changes:  Borrowing rates get cheaper, decreasing rates for loans and credit cards  Rates on savings accounts and CDs go down  It can weaken the dollar and deter foreign investors  Boost the stock market and stimulate economic growth by decreasing the borrowing costs for companies  The good news is that there are opportunities for all of us whatever the rate situation. We can use the rate environment to gauge what types of financial decisions we need to make.  This recent rate decrease should spark some considerations for anyone monitoring their financial position.   It may provide an opportunity to tweak some budget items. Pay attention to your interest rates. If they go down, it could free up some cash that you could then reallocate to other budget line items.   Talk to a financial professional about your investment mix and ask whether adjustments should be made. Because the stock market is likely to be affected by the change in interest rates this might be a good time to reevaluate your investment portfolio to adapt to the changing economic climate.   It might be a good time to refinance any existing loans like your auto or house loan or even a good time for debt consolidation. Talk to a financial professional or mortgage originator to get an idea of any new rate and term options that may now be available.  For those waiting for lower rates, it might finally provide an opportunity to make that larger purchase, like a house.  Due to the recent decision to lower the Fed rate, we are likely to see changes coming across the financial world in the coming months that will likely usher in new financial opportunities.   To learn more about the fed funds rate and how it can impact your finances, as well as the Forbes article mentioned earlier in this episode, check out the list of links in the show notes for more information.  If there are any other tips or topics, you'd like us to cover, let us know at tcupodcast@trianglecu.org.  Like and follow our Making Money Personal FB and IG page and look for our sponsor, Triangle Credit Union on social media to share your thoughts.   Thanks for listening to today's Money Tip Tuesday and be sure to check out our other tips and episodes on the Making Money Personal podcast.   Have a great day! 

In today's housing market, prospective buyers face numerous challenges that make purchasing a home seem almost unattainable. From high prices to limited inventory, the dream of home ownership feels increasingly out of reach for many. In this episode, we're chatting with Ryan Campbell, mortgage originator, about the strategies and tools buyers can use to finally get that house they've been dreaming of.  Links: Learn more about our affordable 40-year mortgage program Check our current closing costs offer Get in touch with our Mortgage Team Check out TCU University for more financial education tips and resources!  Follow us on Facebook, Instagram and Twitter!  Learn more about Triangle Credit Union

Marcus talks with Entrepreneur and Business Leader, Reginald Howard of Rhow Homes about raising confident, polite and self-sustaining children. About Reginald:Born and raised in Nashville, Tennessee “Reggie” has deep local roots that go back generations. Reggie is a graduate of Hunters Lane High School and Fisk University. Reggie began his professional career as Mortgage Originator with Churchill Mortgage. This allowed Reggie at an early stage in his work career to learn the real estate business inside and out. He began to increase his knowledge of construction by serving as an Electrical Engineer with DuPont Chemicals for 5 years and then serving as an Apprentice with Sunny Crooke Construction for 8 years.Upon the completion of the Apprenticeship Reggie became the Project Manager for 3 years with Krause Construction. However Reggie has always had a desire to run his own business. This led him to found RHOW Properties in 2008. As RHOW Properties continued to grow in the amount of real estate projects completed “The RHOW Experience” became known within the Greater Nashville Market by 2015 as a standard few other construction companies could replicate.RHOW Properties and the leadership of RHOW Properties has been very active in the community. American Contractors, Mt Zion Baptist Church, Fisk University, Scars Uncovered, Nashville Chamber of Commerce and North Nashville Chamber of Commerce are only a few organizations that the leadership of RHOW Properties is an active participant with.25:00 - The value of a mentor27:40 - Getting into real estate32:50 - Why entrepreneurship is important today36:30 - Have patience with your kids!Follow Reginald:https://www.rhowhomestn.com/https://www.instagram.com/rhowhomes/For as little as $25/month, you would be making a HUGE difference for fatherless children. Please donate at www.strongerthanmyfather.org#causes #dad #dadlife #dadsofinstagram #dogood #education #familytime #father #fatherhood #fatherless #fatherlessdaughters #giveback #grief #griefsupport #healing #help #mentalhealth #momlife #motherhood #motherwound #nonprofit #nonprofitorganization #nonprofits #parenting #parents #selfhealers #support #therapy #traumacore #volunteer

In this episode, we delve into: - Chris's early life struggles and how he overcame them. - His transition into the mortgage industry and the secrets to his success. - The impact of personal development and leadership on his career. - How his work ethic and relentless drive have shaped his professional journey. - The importance of setting and achieving goals, and his unique approach to goal-setting. - His ventures into AI and real estate, and what the future holds for him. - Whether you're an aspiring entrepreneur, a seasoned professional, or someone looking for a dose of motivation, Chris's story is sure to inspire and empower you to pursue your goals relentlessly.

Tune in to this week's episode of Mortgage Lending Mastery where Jen is joined by new guest, Brian Covey! Brian is the Founder of Covey Holdings and EVP at Revolution Mortgage. Listen as Jen and Brian discuss how he got his start in the industry and the important advice Brian has for all agents and loan officers who may be having second thoughts in this market. ... Get to know Brian Covey: Brian Covey is an executive at loanDepot, a proud father, an influencer, a top-rated podcaster, author and, just simply, a fabulous soccer dad.  Brian Covey is the Founder of Covey Holdings and EVP at Revolution Mortgage. Over the last 2 decades, Brian has been building and leading multi-billion-dollar teams. His 10x growth in the most recent team took the regional production from $245M to $2.45B in less than 5 years. Covey is an authority in driving consistent results & building high performing teams.   Brian has mastered the art of winning and cultivating a champions mindset. From his day as a professional and D1 college athlete to his experience in recruiting, managing, and leading teams to over $1B per year, Brian knows what it takes to be successful and is part of several elite masterminds.   These lessons are captured in his inspirational book, "Conversations with Covey", as well as on his weekly top-rated podcast, The Brian Covey Show.   He is highly sought after by global publications such as Forbes, Entrepreneur Magazine, Housing Wire, and Today Parenting to share his insights on how to successfully build a 7-figure passive income stream as well as sticking a balance between work/life integration.  Today, Brian is the EVP of Strategy & Development at Revolution Mortgage & speaks nationally to organizations on how to find your competitive edge and unlock the power that ignites your success. Get In Touch with Brian Email: bcovey@revolutionmortgage.com WEBSITE: www.briancovey.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Tony Umholtz, Senior Vice President of Mortgage Banking at First Horizon, returns to discuss four questions prospective home buyers should consider. This episode is brought to you by First Horizon. Summary Tony Umholtz, Senior Vice President of Mortgage Banking at First Horizon returns to discuss four questions that prospective home buyers must answer including buy now versus wait, rules of thumb lenders are using to determine lending limits, the potential impact of the recent settlement from the National Association of Realtors, and the current state of how student loan payments are being factored into the lending calculations.  About Today's Guest Tony Umholtz is the Senior VP of Mortgage Banking at First Horizon. He graduated Cum Laude from the University of South Florida with a B.S. in Finance from the Muma College of Business. He then went on to complete his MBA. While at USF, Tony was part of the inaugural football team in 1997. He earned both Academic and AP All-American Honors during his collegiate career. After college, Tony had the opportunity to sign contracts with several NFL teams including the Tennessee Titans, New York Giants, and the New England Patriots. Being active in the community is also important to Tony. He has served or serves as a board member for several charitable and non-profit organizations including board member for the Salvation Army, FCA Tampa Bay, and the USF National Alumni Association. Having orchestrated over $1.1 billion in lending volume during his career, Tony has consistently been ranked as one of the top mortgage loan officers in the industry by the Scotsman's Guide, Mortgage Executive magazine, and Mortgage Originator magazine. Mentioned on the Show First Horizon Pharmacist Home Loan YFP Podcast 348:2024 Housing Market Trends, Buy Now vs. Wait, & Assumable Rate Mortgages YFP Podcast 353: Avoiding the Trap of House Poor: Evaluating Cost of Home Ownership Tony Umholtz First Horizon Tony Umholtz on LinkedIn Tony Umholtz on Instagram Tim Ulbrich on LinkedIn YFP Disclaimer Subscribe to the YFP Newsletter YFP Planning: Fee-Only Financial Planning for Pharmacists  

In the latest Beyond the Bank, Brad spends some time with his colleague and friend, AB&T Banker and Mortgage Originator, Maggie Lewis about growing up in Southwest Georgia, her journey into banking and mortgage lending, and how she's gained a newfound passion for engaging in service and truly being a resource for her community. 

Albert Preciado is the Founder and CEO of The Mortgage Guys, Ambiance Realty, and Driven Enterprises. He is also a Real Estate Investor. Originally, Albert's company was named The Mortgage Guy, but after mentorship sessions, the name evolved to The Mortgage Guys, marking another significant turning point. Albert has been involved in the mortgage industry since 2005 and is a licensed Broker and Mortgage Originator. He faced some of the toughest times in his life in 2008 during the market recession and Mortgage Meltdown. Despite these challenges, Albert chose to weather the storm and remain committed to the industry he believed in. --- Marczell Klein is a renowned American hypnotist and success coach, known for his unique approach to boosting confidence and achieving goals. His modern take on hypnosis has drawn widespread attention, making him a sought-after figure in the coaching industry. Marczell empowers individuals to harness their inherent capabilities and steer their life towards success. His profound understanding of the mind's potential and his passion for sharing this knowledge positions him as a transformative force in personal and professional growth. Follow Marczell Klein for a straightforward, impactful journey towards self-improvement. Like this episode? Watch more like it

Tony Umholtz of First Horizon shares insights on the real estate landscape for 2024. Sponsored by First Horizon. Summary In this week's podcast sponsored by First Horizon, we're joined by Tony Umholtz, a Mortgage Loan Officer from First Horizon, to delve into the housing market updates and trends for 2024. He shares insights on current rates, supply/demand dynamics, and the impact of projected Fed Rate cuts in 2024 on the market. The episode explores the pros and cons of buying a home now versus waiting and delves into assumable rate mortgages—what they are, how they function, eligible loan types, and their growing popularity. About Today's Guest Tony Umholtz is the Senior VP of Mortgage Banking at First Horizon. He graduated Cum Laude from the University of South Florida with a B.S. in Finance from the Muma College of Business. He then went on to complete his MBA. While at USF, Tony was part of the inaugural football team in 1997. He earned both Academic and AP All-American Honors during his collegiate career. After college, Tony had the opportunity to sign contracts with several NFL teams including the Tennessee Titans, New York Giants, and the New England Patriots. Being active in the community is also important to Tony. He has served or serves as a board member for several charitable and non-profit organizations including board member for the Salvation Army, FCA Tampa Bay, and the USF National Alumni Association. Having orchestrated over $1.1 billion in lending volume during his career, Tony has consistently been ranked as one of the top mortgage loan officers in the industry by the Scotsman's Guide, Mortgage Executive magazine, and Mortgage Originator magazine. Mentioned on the Show Subscribe to the YFP Newsletter Tony Umholtz First Horizon Tony Umholtz on LinkedIn Tony Umholtz on Instagram First Horizon Pharmacist Home Loan  YFP Planning: Fee-Only Financial Planning for Pharmacists YFP Disclaimer Tim Ulbrich on LinkedIn  

In this episode of The Loan Officer Wealth Podcast, we are joined by Kimber White. Kimber White is Partner at Re Financial Service. Kimber is also a Past President of NAMB { National Association Of Mortgage Brokers} and currently serves as VP. He was named in top 1% of Mortgage Originators in United States in 2021 and 2022 and 2023. Kimber was named top 100 Mortgage Industry professionals globally in 2021 and Top 100 in Real Estate and Mortgage Industry for 2022. Loan Officer Wealth Website: https://loanofficerwealth.com/ THE LOAN OFFICER WEALTH PODCAST | Ep. 126 Guest - Kimber White, http://refinserv.com/officers-detail.aspx?LONum=4 ➡️ Connect with Kimber White LinkedIn - https://www.linkedin.com/in/kimber-white-13664418/ Watch as Chris speaks with Kimber about… - Adapting to Industry Shifts: Kimber's perspective on current market challenges and opportunities. - Leveraging Niche Knowledge: How specialized understanding can drive business growth. - Tech & Tools in Mortgage Marketing: Kimber highlights the critical role of being well-versed in various mortgage products and utilizing modern tools and technology to enhance business efficiency and client service. and MORE! #LoanOfficer #Podcast #MortgageMarketing #MortgageBroker #MortgageLender #KimberWhite #NAMB #MortgageMarketingAnimals #MortgageProfessional #LoanOfficerPodcast #MortgageLoanOfficer #RealEstate

Join Tony Umholtz from First Horizon Bank as he forecasts 2024 housing market trends and offers expert insights. Sponsored by First Horizon Bank. Summary With inflationary pressures historically high and inventory tight, many people are feeling understandably nervous about the housing market as 2023 comes to a close. But what can homeowners and homebuyers expect in 2024? To help us answer this question, we are joined once again by Tony Umholtz, a mortgage loan officer with First Horizon Bank. In this episode, we tap into Tony's 20-plus years of experience in the industry to get his input on current trends in the housing market, what makes this cycle different from 2008-2009, the correlation between presidential election years and interest rates, and what prospective homebuyers should be doing right now to get ready to buy a home in the new year, plus so much more! For a comprehensive overview of the key market trends that pharmacists and healthcare professionals need to consider when buying a home, be sure to tune in today. Episode sponsored by First Horizon Bank. About Today's Guest Tony Umholtz graduated Cum Laude from the University of South Florida with a B.S. in Finance from the Muma College of Business. He then went on to complete his MBA. While at USF, Tony was part of the inaugural football team in 1997. He earned both Academic and AP All-American Honors during his collegiate career. After college, Tony had the opportunity to sign contracts with several NFL teams including the Tennessee Titans, New York Giants, and the New England Patriots. Being active in the community is also important to Tony. He has served or serves as a board member for several charitable and non-profit organizations including board member for the Salvation Army, FCA Tampa Bay, and the USF National Alumni Association. Having orchestrated over $1.1 billion in lending volume during his career, Tony has consistently been ranked as one of the top mortgage loan officers in the industry by the Scotsman's Guide, Mortgage Executive magazine, and Mortgage Originator magazine. Mentioned on the Show Subscribe to the YFP Newsletter Tony Umholtz First Horizon Tony Umholtz on LinkedIn Tony Umholtz on Instagram First Horizon Pharmacist Home Loan  YFP 285: Cracking the Code on Home Buying Loan Options YFP Planning: Fee-Only Financial Planning for Pharmacists YFP Real Estate Investing Facebook Group YFP Disclaimer Tim Ulbrich on LinkedIn  

A NextGen Mortgage Originator is one who embraces both the traditional sources of business like database, referral partners and an online presence using digital tools and platforms to attract and engage consumers directly.In this episode Michael McAllister, the founder of EmpowerLO and I unpack both the importance of becoming a NextGent Originator and how to get there.We talk about your personal brand, social media, High Level marketing automation and why leading with education is your killer app.Be sure to check out the episode resources listed below. Join the Facebook Group and let's continue the conversation!Episode Resources:High Level Facebook GroupLearn About myAgent ClassesCheck Out EmpowerLOLeave a Podcast Review

Summary If you're a first-time home buyer, this episode is for you! This week's episode, sponsored by FirstHorizon, features Tony Umholtz, a mortgage loan officer at First Horizon Bank with over 20 years of experience in the industry, and he is here to share important factors that you should be taking into consideration before purchasing your first property. By the end of the episode, you will understand how banks decide whether or not to approve a mortgage application, the pros and cons of the various loan options that exist, the difference between preapproval and prequalification, things to look out for when choosing a lender, and more! Buying your first home isn't something to be taken lightly, and Tony's insights will leave you feeling well-equipped to make decisions that are going to serve you well, now and in the future. About Today's Guest Tony Umholtz graduated Cum Laude from the University of South Florida with a B.S. in Finance from the Muma College of Business. He then went on to complete his MBA. While at USF, Tony was part of the inaugural football team in 1997. He earned both Academic and AP All-American Honors during his collegiate career. After college, Tony had the opportunity to sign contracts with several NFL teams including the Tennessee Titans, New York Giants, and the New England Patriots. Being active in the community is also important to Tony. He has served or serves as a board member for several charitable and non-profit organizations including board member for the Salvation Army, FCA Tampa Bay, and the USF National Alumni Association. Having orchestrated over $1.1 billion in lending volume during his career, Tony has consistently been ranked as one of the top mortgage loan officers in the industry by the Scotsman's Guide, Mortgage Executive magazine, and Mortgage Originator magazine. Links Mentioned in Today's Episode Tony Umholtz on LinkedIn Tim Ulbrich on LinkedIn First Horizon Bank First Horizon's Pharmacist Home Loan Fannie Mae Freddie Mac Federal Housing Administration YFP Disclaimer Tim Ulbrich on LinkedIn Subscribe to the YFP Newsletter

In episode 188 of the Martini Mortgage Podcast, host Kevin Martini discusses the upcoming resumption of federal student loan payments on October 1, 2023, and its potential impact on mortgage approvals. He emphasizes the importance of understanding one's financial position and offers insights on navigating the changing landscape. Main Topics: Resumption of federal student loan payments on October 1, 2023. How this might impact your mortgage approval. Key Points: Federal student loan payments and interest were suspended in March 2020 due to the COVID-19 pandemic. As of June 2023, the pause is set to end, with payments resuming on October 1, 2023. For homebuyers: The resumption may affect chances of mortgage approval due to increased monthly payments and interest accumulation. Three things borrowers should know: Payments resume on October 1, 2023. Interest accrual starts on September 1, 2023. There's a 12-month “on-ramp” period without penalties for late payments. During the payment hiatus, credit reports showed $0 obligation for federal student loans. However: FHA and Freddie Mac estimated payments using 0.5% of the total loan balance. Fannie Mae used 1% for their estimations. Estimated payment amounts might differ from the actual payments, which could affect the Debt-To-Income (DTI) ratio, a key metric for mortgage approvals. Income-driven repayment plans for federal student loans: PAYE: 10% of discretionary income. REPAYE: 10% of discretionary income, possibly less with dependents/spouse with loans. IBR: 15% of discretionary income. ICR: 20% of discretionary income. Under Fannie Mae, if the approved payment is zero, it's used for DTI calculations. Closing Thoughts: Be proactive and prepare for student loan repayments. Still, maintain homeownership aspirations. Understand your financial position as knowledge provides clarity, confidence, and direction. For insights on mortgage strategies amidst student loan resumption, contact Kevin Martini at 919.238.4934. About Kevin Martini: Kevin focuses on empowering families to create generational wealth via real estate and the right mortgage strategy. He's originated over a billion dollars in home loans since 2006. Recognized as one of the top 50 Mortgage Originators in the U.S., Kevin has been featured in Forbes and CNET. He frequently shares insights at conferences and hosts the Martini Mortgage Podcast. He's dedicated to helping clients make smart financial decisions for wealth growth and future planning. Connect with him on Instagram and YouTube for real estate and mortgage insights. Kevin Martini | NMLS 143962 | Certified Mortgage Advisor | Martini Mortgage Group at Gold Star Mortgage Financial Group, Corporation | NMLS # 3446 | 507 N Blount St, Raleigh, NC 27604 | (919) 238-4934 | www.MartiniMortgageGroup.com | Kevin@MartiniMortgageGroup.com | Equal Housing Lender

On today's episode we talk about:Why attracting agents is more effective than chasing them.Tips on presenting and selling.The power of teaching agent classes to reach a larger audience and generate more referrals.Hosting events and creating valuable content for building relationships and growing a mortgage business.Tips on starting a podcast.Follow Eric On Instagram HereCheck Out Eric's Podcast HereGet More Agent Referrals by Teaching Agent Classes [Click Here]Join the Podcast Facebook Group Here

The Inside BS About MortgagesCraig AchtzehnResidential Loan OfficerDraper & Kramer Mortgage Corp(312) 961-7763craig@dkmortgage.comAbout Craig AchtzehnFor over 21 years, mortgage loan officer Craig Achtzehn has been a trusted home financing resource for consumers and professionals across Chicagoland and beyond. Craig has distinguished himself as a top producer throughout his career, and Mortgage Executive Magazine has also consistently ranked him on their annual Top 1% Mortgage Originators in America list.Much of Craig's success can be attributed to his passion for organization, effectiveness and communication. A former Army officer with a degree in Engineering Management from West Point and an MBA from Notre Dame, his attention to detail and personal involvement in each loan helps ensure a smooth and positive loan experience for his clients. Craig's expertise includes a wide range of loan, property and client types, and he specializes in helping military borrowers obtain VA home loans.Craig's favorite parts of his job are meeting new people, helping clients purchase their dream homes and seeing everyone leave the closing table happy. The majority of his clients are referred to him by satisfied past borrowers and his network of real estate agents, accountants, financial advisors, builders and attorneys.Outside of the office, Craig can be found spending time with his family or serving his community. He resides in suburban Chicagoland with his wife and two children where he coaches youth basketball. He is also an ambassador to the Folded Flag Foundation, a nonprofit that provides educational scholarships and support grants to the spouses and children of service members who have fallen in the line of duty.Chapters00:00 The Inside BS About Mortgages01:23 What is the current state of mortgage rates?02:37 Don't let rates scare you when buying a house04:35 The process of refinancing06:05 What is a popular mortgage product?07:50 What mortgage product should individuals avoid?10:05 What is the subprime market and how has it changed over time?11:53 How can an entrepreneur obtain a mortgage with a poor credit score?13:14 How Craig assists investors in purchasing investment property15:53 Substantial equity refinance17:05 What drew Craig into the mortgage industry?18:45 How Craig approaches various clients22:35 How often should a realtor come to Craig to discuss mortgages?24:00 How should people know their credit score before buying a home?26:09 What a self-employed person should prepare for when buying a property27:18  What a co-signer actually means28:34 The Future of the residential loan industry30:01 History of the home loan industry30:57 How does a mortgage affect a second house if the first is rented?33:05 What are private loans and hard money?

Nationally known financial expert and mortgage originator. Featured in articles by USNews, Business Insider, NBC News, and countless others, Jennifer is a vocal crusader for making the mortgage process transparent and easy to understand. Her dedication to consumer advocacy and client education are a few of the reasons she is rated in the Top 1% of Mortgage Originators in the nation. Jennifer's passion is financial literacy. She believes that everyone should have an opportunity to be financially successful and empowered. In 2017 she started a YouTube channel that covers basic financial and mortgage information delivered simply and clearly in order to help people who want more information to empower themselves financially. There is nothing that makes Jennifer happier than hearing learning of a success story from one of her YouTube viewers who have taken the information she has provided and become financially empowered. Key Takeaways: 0:56 Introducing Jennifer Beeston, nationally known financial expert and mortgage originator 1:57 Being fearless and standing up for the underdog 3:23 What's been happening and what the future looks like in mortgages 7:14 Game planning for potential buyers 8:50 BrainHacked- Learn how big tech is training your brain to spend; Learn how to resist 12:09 Contact Jennifer at https://www.jenniferbeeston.com/   Follow Jason on TWITTER, INSTAGRAM & LINKEDIN Twitter.com/JasonHartmanROI Instagram.com/jasonhartman1/ Linkedin.com/in/jasonhartmaninvestor/ Call our Investment Counselors at: 1-800-HARTMAN (US) or visit: https://www.jasonhartman.com/ Free Class:  Easily get up to $250,000 in funding for real estate, business or anything else: http://JasonHartman.com/Fund CYA Protect Your Assets, Save Taxes & Estate Planning: http://JasonHartman.com/Protect Get wholesale real estate deals for investment or build a great business – Free Course: https://www.jasonhartman.com/deals Special Offer from Ron LeGrand: https://JasonHartman.com/Ron Free Mini-Book on Pandemic Investing: https://www.PandemicInvesting.com

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Let's weigh the challenges and look at ways to maximize the opportunities in the 2023 real estate market in the Mid-South. Local real estate professionals share what they are seeing the neighborhoods where they work. Tom King, appraiser, shares his insights. Jo Garner, Mortgage Originator, shares some common strategies her mortgage customers are using to succeed.

Courage personified is Bill Murphy. Overcoming an abusive childhood, PTSD, mental health challenges and more, would give most a box of excuses to stay ordinary. Bill Murphy, national recognized mortgage originator, and author of Thriving in the Storm, shares his secrets to moving forward that resulted in his earning a black belt in Krav Maga, running in 5 Boston Marathons—including one on crutches, and now feels like he's just getting started. You don't want to miss this one.

Buying a home is a huge step in your life. If you're new to the homebuying process, you're probably learning a bunch of new terms and information. One of those terms you're going to hear is PMI and if you're curious about what it is and how it works, keep listening.  Links:  NerdWallet PMI Calculator Triangle's Mortgage Calculator Contact a Mortgage Originator  Follow our Facebook, Instagram and Twitter pages! Learn more about Triangle Credit Union Transcript: Welcome to Money Tip Tuesday from the Making Money Personal podcast.  When you're looking into the costs of buying a home, you're likely familiar with the interest rate, downpayment and even closing costs. But how familiar are you with the PMI that might be included in your monthly payment?   If you're curious about what PMI is and whether or not you'll have to pay it, here's a little explanation.   PMI stands for private mortgage insurance that protects the mortgage lender if you stop making payments on the loan. If you have less than 20% of your own money into the transaction, then the Credit Union or lender will get PMI on the loan. If you're able to put 20% or more down then you won't have to pay PMI at all.   PMI is most often factored right into your mortgage payments which means you don't have to make it a separate payment each month on top of your mortgage. In some cases, certain lenders might provide you a different option when it comes to paying PMI but most lenders require it to be wrapped into the mortgage payment.  As a homebuyer, you may not be thrilled to have to pay PMI with your mortgage. Who wants to pay a higher monthly payment? But believe it or not, there are actually reasons for PMI that benefit you as a buyer. Plain and simple, PMI makes it easier for you to buy the home. If lenders didn't require PMI then they would require a much higher downpayment which would make it harder for first time homebuyers to qualify for the loan. PMI is not something to be afraid of because it allows you to put less money down when you finance.   Now, you might be wondering, if I buy a home with less than 20% down and have to pay PMI, will I be paying it for the entire duration of my loan? If I have a 30 year mortgage, will I be paying it every month for the next 30 years?   The good news is that you won't have to. The PMI payment exists as long as you don't have 20% equity in the property. Once you have more than 20% equity in the property the PMI will automatically disappear.   So, if you're looking to buy a home, but you don't have the 20% downpayment, how much should you expect to pay in PMI?  The amount you'll pay is based on many factors and is not a set number for everyone. If you're trying to determine how much you'll be able to afford, you can look into it beforehand to get an idea of what to expect to pay.   The amount depends on size of loan, your debt-to-income ratio, your credit score and the downpayment amount. Fortunately, there are PMI calculators out there you can use to get an estimate. There's a useful one at NerdWallet.com and if you're interested, check out the link in the show notes.   If you're concerned about PMI or anything else related to financing your home, Triangle has a great team of Mortgage Originators available to meet with you and answer any questions you have.   You can visit one of our branches or set up a time to meet or email right from the mortgage portal on our website, trianglecu.org.   They'll help you look through the different options available to you and find the one that will work best for your situation.   If there are any other tips or topics, you'd like us to cover, let us know at tcupodcast@trianglecu.org.  Like and follow our Making Money Personal FB and IG page and look for our sponsor, Triangle Credit Union on social media to share your thoughts.   Thanks for listening to today's Money Tip Tuesday and be sure to check out our other tips and episodes on the Making Money Personal podcast.   Have a great day!   

Finding the right home can be a challenge. If you're preparing to embark on the homebuyers' journey, there are three things you can do to give yourself the best chance of finding and buying the home of your dreams.   Links: View our current mortgage rates Get in touch with one of our Mortgage Originators Learn more with our Securing Financing for Your New Home article  Listen to our other conversations with industry professionals about closing costs and home inspections Sign to attend one of our upcoming homebuying webinars or watch on our YouTube channel Follow our Facebook, Instagram and Twitter pages! Learn more about Triangle Credit Union Transcript: Welcome to Money Tip Tuesday from the Making Money Personal podcast.   When it comes to your first home search, if you have the right plan in place, there's no reason that you shouldn't be able to enjoy the home buying process with all the excitements and challenges it can bring.   With these three steps, you'll have a great strategy and plan for when you're ready to make your move.   Follow these three steps to find your dream home.  The first one is to Form Your Team   Deciding who is on your team goes deeper than just your lender and your real estate agent. When forming your team, you need to consider everything that is part of the home-owning process that might be more than just who ends up on the deed.    This could be a family member who is involved in construction that will end up helping you with tasks around the house. This could also be someone nearby who you will use for childcare occasionally. It's important to bring these people into the conversations around the home you're buying as they will be involved in certain aspects of the house.    Having meaningful conversations with your team allows you to gain a new perspective about the location and condition of the homes you're looking at so you can make an informed decision on such a huge purchase. If you choose to purchase a fixer-upper, you will need to make sure you have the expertise to DIY the updates or have the funds to pay someone to help. These conversations will get everyone involved on the same page moving forward.    The second is to Secure your Financing   Looking at homes before you've secured financing is a dangerous game because you wouldn't want to fall in love with a house you can't afford.    Securing financing can be as simple as walking into your nearest Triangle Credit Union branch and sitting down with one of our mortgage originators to discuss your options.    Triangle's Mortgage Originators will walk you through the process and connect with your realtor, or work with your existing realtor, to make sure you can get financing to purchase your dream home.    For more information, read our blog post Securing Financing for Your New Home where we discuss the process and list the documents you will need to get pre-approved.    The third is to Find Your Realtor, Find Your Home   We've all been on various real estate websites searching for our dream homes. We flip through photo after photo and imagine what our lives would look like if we purchased that home, but did you know that there is an easier way to find a home?    Realtors have direct access to listings before houses even hit the market so when you work with a realtor, they will be able to filter through properties you will be interested in and have you tour the home before those who use the apps even see it.    This can take some of the stress of home-buying off you and allow you to enjoy the home-buying process, especially if you are a first-time homebuyer.    Finding your dream home should be an exciting experience, not a stressful one. We hope these steps will put you at ease if you are in the home-buying process or getting ready to start. Do you have other first-time home buying questions? Attend one of our First Time Homebuyer Webinars to learn more information and to have your questions answered by the experts or watch one of our recorded webinars on our YouTube channel.   If there are any other tips or topics, you'd like us to cover, let us know at tcupodcast@trianglecu.org.  Like and follow our Making Money Personal FB and IG page and look for our sponsor, Triangle Credit Union on social media to share your thoughts.   Thanks for listening to today's Money Tip Tuesday and be sure to check out our other tips and episodes on the Making Money Personal podcast.   Have a great day! 

Achieving your dream of owning a home isn't out of reach. With all the financing options available, how do you determine which one is right for you? You may have been told that adjustable-rate mortgages aren't the right option. But there are some surprising reasons why an adjustable rate could be the right option for you.   Links: Check out Triangle's mortgage rates Contact a Mortgage Originator to meet and discuss your options Follow our Facebook, Instagram and Twitter pages! Learn more about Triangle Credit Union Transcript:  Welcome to Money Tip Tuesday from the Making Money Personal podcast.  If you're hoping to own a home one day, one thing you'll need to decide on is what type of financing you'll choose.   Finding the right mortgage can be difficult and intimidating. There's no one size fits all solution for financing your new home. One of the biggest questions concerning mortgage options is whether to choose a fixed rate mortgage or adjustable-rate mortgage (also known as ARM).  Though, many people immediately decide they want a fixed rate, because it seems safer, they may be overlooking the benefit that an ARM might provide them.   Ryan Campbell, Mortgage Originator at Triangle Credit Union mentions that many people start out with a negative view of ARMs. He says, “For many people, an ARM is a scary option. They may have heard from friends or family to avoid adjustable-rate mortgages at all costs. But this advice can often be misconstrued, because adjustables might give you the best option for your financing, with the smaller financial burden.” He followed it up with, “Don't do a loan because someone else told you, do it because it works for you.”  Don't dismiss ARMs before you've first considered the benefits.   Here are some of the surprising benefits of ARMs that you may have not considered and might make you warm up to the idea of using one to finance your house.   The first benefit is that you're likely to get the best rate with a lower introductory payment.   Traditionally ARMs offer great terms and rates which tend to be lower than fixed rate options. This also means that the lower the rate, the lower your monthly payment could be. There's also a chance you can get a longer-term mortgage with an adjustable rate meaning you'll get a more attractive rate AND a longer term, making that monthly payment even more attractive. For example, Triangle offers a 40-year term adjustable rate mortgage option. This is a great offer because it means you can pay off your loan over 40 years instead of 30 ultimately lowering your monthly payment.   The second benefit is that there are caps to how high the rate can adjust.   If the word adjustable scares you because you know the rate can go up over time, you don't have to fear too much. Adjustable-rate mortgages have caps set on how high the rate can adjust. Ryan explains that certain caps are put in place to ensure the rate only goes up a certain amount. It can't go any higher or lower over the life of the loan. Don't think that if rates adjust up, your rate will adjust out of control. Figure out whether you'll be able to continue to afford your payments if your rate adjusts to the max cap, and if you can, then you'll be prepared for when it does.   The third benefit is that there's a chance depending on market conditions that they could adjust down.  Believe it or not, there have been times in history when rates have adjusted lower. If rates are better by the time yours is set to adjust, they restructure at a lower rate. Although this isn't too common, it's certainly something you may not have considered when you hear about adjustable-rate mortgages. Pay attention to the economic climate and who knows, you may get fortunate with a rate that adjusts down without having to refinance to get a lower rate.  Get the benefit of automatically adjusting to that lower rate without having to refinance  The fourth benefit is that there aren't any prepayment penalties.  A lot of times people move from home to home. They either get a new job, retire, or just decide to move away. In the past, paying your mortgage off early meant you would need to pay pre-payment penalties. Now, if for whatever chance you decide to move, or refinance, then you won't be charged any fees for prepaying the loan. This is a huge benefit if you don't plan on being in the home for a long time. If you buy a home with an adjustable-rate mortgage but then decide in a few years, maybe even before the rate adjusts, that you want to move, you won't get slammed with fees for doing so.   If you've shied away from ARMs for some time, a few of these benefits might surprise you.   But, how do you know that an adjustable rate is right for you?   Ryan recommends you ask yourself some of these specific questions when you're considering the different types of loan options.   How long do you think you'll be living in that home?  Right now, what's most important to you, low payment or best rate?   Based on your budget, what can you afford? A lower rate and longer term help with buying power.   How much do you have saved for the downpayment and closing costs?  Ryan also stresses the importance of educating yourself. He recommends you do research to learn how mortgages work. You'll learn about terms, adjustment periods, how the loans are structured and more.   Learn all you can about the different types of options available, how they work and what you should consider before signing that line.   Ryan shares, “Get educated. Absorb as much as possible. The more you know the better decision you can make. Work with someone who can explain it to you so you can understand the products.”  That's what Triangle's Mortgage Loan Originators are there for. They take the time to meet with you and discuss your options to help you get the best mortgage you can.  Visit any of Triangle's local branches or schedule an appointment online to get in touch.  If there are any other tips or topics, you'd like us to cover, let us know at tcupodcast@trianglecu.org.  Like and follow our Making Money Personal FB and IG page and look for our sponsor, Triangle Credit Union on social media to share your thoughts.   Thanks for listening to today's Money Tip Tuesday and be sure to check out our other tips and episodes on the Making Money Personal podcast.   Have a great day! 

Today, we're getting the details on the new MUST HAVE tech for Mortgage Originators. The team from Trust Engine is here to show us.Listen in to continue to pivot, innovate, adapt, and overcome!Episode Resources:Learn More About Trust Engine HereCheck Out Mortgage Marketing PRO HereJoin the Podcast Facebook Group Here

Tune in to this week's episode of Mortgage Lending Mastery where Jen is joined by new guest, Brian Covey! Brian is the Founder of Covey Holdings and EVP at Revolution Mortgage. Listen as Jen and Brian discuss how he got his start in the industry and the important advice Brian has for all agents and loan officers who may be having second thoughts in this market. ... Get to know Brian Covey: Brian Covey is an executive at loanDepot, a proud father, an influencer, a top-rated podcaster, author and, just simply, a fabulous soccer dad.    Brian Covey is the Founder of Covey Holdings and EVP at Revolution Mortgage. Over the last 2 decades, Brian has been building and leading multi-billion-dollar teams. His 10x growth in the most recent team took the regional production from $245M to $2.45B in less than 5 years. Covey is an authority in driving consistent results & building high performing teams.     Brian has mastered the art of winning and cultivating a champions mindset. From his day as a professional and D1 college athlete to his experience in recruiting, managing, and leading teams to over $1B per year, Brian knows what it takes to be successful and is part of several elite masterminds.     These lessons are captured in his inspirational book, "Conversations with Covey", as well as on his weekly top-rated podcast, The Brian Covey Show.     He is highly sought after by global publications such as Forbes, Entrepreneur Magazine, Housing Wire, and Today Parenting to share his insights on how to successfully build a 7-figure passive income stream as well as sticking a balance between work/life integration.    Today, Brian is the EVP of Strategy & Development at Revolution Mortgage & speaks nationally to organizations on how to find your competitive edge and unlock the power that ignites your success.     Get In Touch with Brian Email: bcovey@revolutionmortgage.com WEBSITE: www.briancovey.com PODCAST: Finding Your Competitive Edge IG FB LN TW Learn more about your ad choices. Visit megaphone.fm/adchoices

“Don't worry about being successful, but work towards being significant and the success will naturally follow!"-Oprah Winfrey What does it take to be an entrepreneur? Is it an attitude which chases after risky opportunities? What about someone who is incredibly creative, coming up with new and innovative ideas every day? Or maybe it's someone who is just open to new things? Well, Dan Carson is here to dive into just that!This week's episode is part two of our conversation with Senior Vice President of Willow Bend Mortgage, and Senior Mortgage Loan Originator, Dan Carson! Dan has been in the lending business for over a Decade, where he has had a tremendous amount of success! In 2019 he was given the Future Leaders award from the Mortgage banker Association and has been a finalist for Forbes 40 under 40 numerous times! Dan also has been recognized by D-Magazine as one of Dallas's top Mortgage Brokers, and has been voted best broker for the past 5 years!Throughout this episode we explore the skill set required to be an entrepreneur, the benefit in failing at something, and why the mindset you approach opportunities with matters more than if you succeed or fail at it!! We also go into what it takes to lead a group of people, the most important thing needed to grow a new business, the value in having a mentor and how to pick one, and the biggest difference between the rich and the poor!!This was a jammed packed 30 minutes so be sure to pay attention!Reach out to Dan here!Related Episodes:100 - How to Buy Your First House w/ Mortgage Originator Dan Carson pt.193 - Why Your Mindset is Keeping You Average w/ Investor Alex Andersen pt.292 - How to Buy 7 Homes in 1 Year w/ Investor Alex Andersen pt.181 - Leading Your Team to the Next Level w/ CEO Julian Garcia pt.280 - From College Drop Out to Million Dollar Business w/ Julian Garcia pt.175 - How to Invest in Real Estate with NO Money w/ Keyland Burel pt.176 - How to Handle Uncertainty & Why You Should Take Risks w/ Keyland Burel pt.262 - Starting a Business in College & 3 Skills to Make More Money w/ entrepreneur Ricardo Avilla pt.137 - Finding Financial Freedom w/ Financial Planner Brandon Lanz pt.2Reach out to and follow us on Instagram!And remember to GET AFTER IT!

“We sell ourselves short all the time, and we're capable of way more than we think we are.” - Bill Murphy This Real Talk is filled with encouraging insight into the metaphysical power of positivity, the importance of building a mental fortress, and caring for your whole-life balance. I'm thankful for Bill Murphy joining me on this episode. Bill is a nationally recognized Mortgage Originator, Author, and active philanthropist who supports a number of good causes, including the Make-A-Wish Foundation, the American Warrior Initiative, and the Dana Farber Cancer Institute. Bill is a passionate proponent of positive energy, mental resilience and identity. He touches on tactical ways you can prime yourself for success each day and each season. The strategies revolve around an understanding that you can't avoid the storm; instead, you build a fortress that withstands the chaos of the storm when it arrives. Some of my favorite parts of this episode were Bill's thoughts on the myth of work-life balance, and how the strength of positive mindset empowered him to complete a marathon on crutches in record time! There's a lot of profound goodies in this Real Talk – let me know your favorite takeaway by dropping me a message on my Facebook or Instagram! With so much love & gratitude, Grace

Episode 19 In this podcast, your host Toni Taylor is joined with Todd Bitter, a top 1% Mortgage Originator.  Tune into this episode to hear about why choosing a specialization and “branding yourself” can benefit you in the long run. Schedule a free 60-minute coaching call here

In August of 2008, Aaron Chapman's life was turned upside down. At that time, he was doing well in his career, and life was good. However, that all changed in an instant when Aaron was caught in a motorcycle accident that put him in a severe medical condition. Aaron went through years of rehabilitation, eventually regaining his ability to walk. Aaron has also dealt with massive financial struggles but always displayed the tenacity and perseverance to emerge and come back stronger. Aaron's story is the perfect case study for From Adversity to Abundance.Aaron Chapman is an expert in residential real estate investing; with vast experience works as a real estate investor and a mortgage lender. Aaron, a veteran in the finance industry since 1997, his expertise is in the complicated. Aaron is ranked in the top 1% in an industry of over 300,000 licensed loan originators after closing more than 100 transactions per month. Aaron is that battle-worn partner every real estate entrepreneur needs to walk thru the tough parts of building a real estate business.Aaron walks Jamie through a roller coaster ride as he describes his challenges and how he overcame them, currently leading a team of 32 people and becoming the best in his field.“Embrace the time you get the shit kicked out of you.”“You're destined to take a beating to learn what you need to learn.”Tune in as Aaron and Jamie talk about:· Who Aaron Chapman is today and the services his company provides.· His life with a wife and an infant but without a job.· How he became a telemarketer in December 1997.· In 2008, Aaron was caught in a motorcycle accident and had a serious medical ailment.· He spent a decade of his life trying to be fully recovered.· Aaron arose from a huge debt he had.· His life was reset from a business, health, and family perspective.· Rising up the rankings after being left by his business partner.· Lessons in forming a partnership.· Factors resulting in the growth of a business.· Worrying about what people think of you.· How Aaron serves others.· Lessons from all the challenges he faced. Books and ResourcesOutwitting the Devil by Napoleon HillThe Master Key System by Charles F. Haanel Connect with AaronYOUTUBE https://www.youtube.com/@AaronChapmanSNMCWEBSITE: https://www.aaronbchapman.com/LINKEDIN: https://www.linkedin.com/in/aaronbchapman/FACEBOOK: https://facebook.com/aaronchapmannjo Follow Labrador LendingWEBSITE: https://labradorlending.com/LINKEDIN: https://www.linkedin.com/company/71512077/admin/FACEBOOK: https://www.facebook.com/labradorlendingTWITTER: https://twitter.com/LabLendLLCINSTAGRAM: https://www.instagram.com/labradorlendingllc/YOUTUBE: https://www.youtube.com/channel/UChYrpCUlqFYLy4HngRrmU9QTIKTOK: https://www.tiktok.com/@labradorlendingllc?lang=en Connect with JamieLINKEDIN: https://www.linkedin.com/in/jamie-bateman-5359a811/TWITTER: https://twitter.com/batemanjamesINSTAGRAM: https://www.instagram.com/batemanjames11/ Investment OpportunityAre you an accredited investor interested in monthly cash flow from an investment backed by physical real estate? Our income fund--which is uncorrelated to publicly traded stocks and bonds--invests in first-lien mortgage notes diversified by geography, property value and borrower type. The fund aims to pay its investors monthly distributions at a preferred rate of return of 8% annually. And possibly the best part? The fund showcases a short, 12-month commitment.Check it out today! https://investors.appfolioim.com/labradorlending/investor/public_opportunities/5

This week's guest is Senior Vice President of Willow Bend Mortgage, and Senior Mortgage Loan Originator, Dan Carson! Dan has been in the lending business for over a Decade, where he has had a tremendous amount of success! In 2019 he was given the Future Leaders award from the Mortgage banker Association and has been a finalist for Forbes 40 under 40 numerous times! Dan also has been recognized by D-Magazine as one of Dallas's top Mortgage Brokers, and has been voted best broker for the past 5 years!Throughout this episode we dive into the entire process of getting a loan, how to know when the best time to get a loan is, and what you are going to need to have before you get a loan! We also walk through the biggest factors in how easily you can get a mortgage, the different options you have when buying your first house, the top 3 things you need to know before you go out and get a mortgage, and so much more!!Make sure to tune in next week where we continue our conversation with Dan where we cover the skills required to be an entrepreneur, the most important things you need to know to grow a business, and so much more!Reach out to Dan here!Related Episodes:93 - Why Your Mindset is Keeping You Average w/ Investor Alex Andersen pt.292 - How to Buy 7 Homes in 1 Year w/ Investor Alex Andersen pt.181 - Leading Your Team to the Next Level w/ CEO Julian Garcia pt.280 - From College Drop Out to Million Dollar Business w/ Julian Garcia pt.175 - How to Invest in Real Estate with NO Money w/ Keyland Burel pt.176 - How to Handle Uncertainty & Why You Should Take Risks w/ Keyland Burel pt.262 - Starting a Business in College & 3 Skills to Make More Money w/ entrepreneur Ricardo Avilla pt.137 - Finding Financial Freedom w/ Financial Planner Brandon Lanz pt.2Reach out to and follow us on Instagram!And remember to GET AFTER IT!

Larry Levine, author of Selling from the Heart and host of the Selling from the Heart Podcast, joins Skip to discuss what's missing from today's sales force, particularly mortgage originators, and why they struggle.  The solution isn't rocket science and Larry spells it out for you!

A quick Google search for a pros and cons list about whether you should buy a vacation home, will give you lots to think about. In this tip we talk about what you should consider before you buy that second home.  Links: Learn more about the existing research on home buying National Association of Realtors Chat with our Mortgage Originators with any questions on buying a second home Follow our Facebook, Instagram and Twitter pages! Learn more about Triangle Credit Union Transcript: Welcome to Money Tip Tuesday from the Making Money Personal podcast. Even the name, “vacation home” evokes happiness. Who wouldn't want a vacation home, simply to associate time there with a “vacation”? As more and more Gen X thru Z build their wealth and disposable income, vacation home sales are on the rise; according to the National Association of Realtors, second home purchases are up 51% from January – April 2021. Let's look at some common pros and cons of owning a 2nd home for the purpose of rest and relaxation: Real estate is always a good investment. Depending upon when you buy, and how much you pay, real estate is usually a great investment because of the increase in demand and limited land on this planet. I have always heard you make money when you BUY real estate, not when you SELL so work with a real estate agent to make sure you're not overpaying for that 2nd home. Your agent will run sale comparisons (or comps) of the area to support your offer. You'll always have a place to go. When you own the property, you can pretty much depend on its availability. The downside is this is a big world with lots to see; do you want to keep going to the same place? Or if you're like me, you have to justify the cost per use ratio so you have to go every weekend to get your money's worth regardless of all the other activities that you're committed to—it can be exhausting! You can rent it out and make money. The rise in Airbnb and VRBO have opened the world to rental properties. Once you are on their platforms, which I understand are fairly easy to use, you can make very good money renting out your space. If you want to use your home certain times of the year, you simply block availability. The downside is: you're sharing your vacation home with strangers; you're not staying with them, but they're touching your stuff and using your toilets. There's a lot to manage. You must set up cleaners and schedules and deal with people because they absolutely need another night and thought they booked it correctly only to find they didn't, but you must take care of it. I have some friends who recently looked into a vacation home. The good news is their current mortgage is paid in full and they had a sizable down payment for their vacation home. They did the right thing: they put the cost of ownership into their budget to see if their income would cover the costs. If you can't pay in cash, you'll need a mortgage, property insurance, maintenance funds, possibly Homeowner Association (HOA) fees which are highly likely for resort properties, and cleaning fees, if you're renting it out and, wait for it…property taxes. When I looked at the listing of the property my friends were considering, I knew they could handle the cots, but the monthly $1200 property tax bill shocked me. If you do need to take out a mortgage for a vacation home, please consult with a good Mortgage Originator, like those at Triangle Credit Union. You may find you need a higher down payment, but they will be able to work with you on your financial plan. Speaking of financial plan, when you're about to make a big decision like this, it's always good to consult your financial planner—this is the person who knows your financial story and can objectively assess your situation. If you have any comments or ideas for additional tips, please email us at tcupodcast@TriangleCU.org. Be sure to follow the Making Money Personal podcast page on Facebook for more great content. Thank you to our sponsor, Triangle Credit Union, and to you for tuning in! Have a great day everyone!

Debunking Misconceptions of VA Loans, with special guest, Mortgage Loan Originator Charles Garcia!   In this episode, we sat down with Charles Garcia from USA Mortgage. We discussed misconceptions of VA loans and what lenders look for when approving a loan.  Charles is a Veteran and a Mortgage Originator with a passion is serving fellow Veterans and Service Members. He takes pride in helping Veterans achieve the American Dream of home ownership by helping them understand their earned benefits and how they can use them not only to provide a home for themselves and their family but also how to use it to build wealth. You can contact Charles Garcia at charles.garcia@usa-mortgage.com NMLS:1641603, Licensed Lending Area: CA, IA and SD. Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act. Or visit www.usamortgage.com Company NMLS: 227262 Subscribe to our podcast on Apple Podcasts, Spotify, Google Podcasts, or just listen in on GlobalRealEstateSchool.com! Are you currently enrolled in a pre-license real estate school in the U.S.?  If so, and you need help, subscribe to my podcast for timely tips to help you pass the real estate exam on the first attempt!   
You can also download valuable study aids from my website, http://www.GlobalRealEstateSchool.com 
Like us on Facebook, https://www.facebook.com/GlobalRealEstateSchool 
Subscribe to our YouTube Channel https://www.youtube.com/c/globalrealestateschool 
Follow us on Instagram @GlobalRealEstateSchool or John @realestatetechguy 
As always, "thank you" for listening to the podcast!

Debunking Misconceptions of VA Loans, with special guest, Mortgage Loan Originator Charles Garcia!   In this episode, we sat down with Charles Garcia from USA Mortgage. We discussed misconceptions of VA loans and what lenders look for when approving a loan.  Charles is a Veteran and a Mortgage Originator with a passion is serving fellow Veterans and Service Members. He takes pride in helping Veterans achieve the American Dream of home ownership by helping them understand their earned benefits and how they can use them not only to provide a home for themselves and their family but also how to use it to build wealth. You can contact Charles Garcia at charles.garcia@usa-mortgage.com NMLS:1641603, Licensed Lending Area: CA, IA and SD. Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act. Or visit www.usamortgage.com Company NMLS: 227262 Subscribe to our podcast on Apple Podcasts, Spotify, Google Podcasts, or just listen in on GlobalRealEstateSchool.com! Are you currently enrolled in a pre-license real estate school in the U.S.?  If so, and you need help, subscribe to my podcast for timely tips to help you pass the real estate exam on the first attempt!   
You can also download valuable study aids from my website, http://www.GlobalRealEstateSchool.com 
Like us on Facebook, https://www.facebook.com/GlobalRealEstateSchool 
Subscribe to our YouTube Channel https://www.youtube.com/c/globalrealestateschool 
Follow us on Instagram @GlobalRealEstateSchool or John @realestatetechguy 
As always, "thank you" for listening to the podcast!

Albert Preciado is the Founder and CEO of The Mortgage Guys, Ambiance Realty, and Driven Enterprises. Albert is also a Real Estate Investor. In 2013 Albert bought a 3-unit property, and like everything else Albert does, he went all in and acquired as many multi-units as possible. This would end up being a Life Changer. Albert's original company was The Mortgage Guy, and after mentorship sessions, the company's name changed to The Mortgage Guys. This was another Life Changer. Albert has been in the mortgage industry since 2005; he is a licensed Broker and Mortgage Originator. Albert went through the toughest times of his life in 2008 when we had a market recession and Mortgage Meltdown but decided to weather the storm and not quit the industry he believed in. The reason why Albert started a mortgage company was because of the pain endured by his parents and himself when they got turned down for a mortgage time after time in the early 90s. Albert committed to starting a Mortgage Company from scratch and creating a company that will help humble families make their American Dream a reality. Albert's life wasn't always perfect, and his mid-20s were full of costly mistakes that could have cost him his life. In this episode, Brad and Albert discuss his humble beginnings with his wife, Syl. From there, they get into their story deeper and how their business is becoming an empire. They also discuss real ways to improve your business and life.   00:00 Intro 04:05 Bomb: Timing 06:03 Bomb: Execution 10:30 Bomb: Competence in business 13:44 Personal Branding 16:08 When Albert got robbed 24:33 The mortgage industry 30:50 Driven 37:28 Ferrari's 40:30 Driven Academy/Virtual Training 45:50 Attn: Realtors and MLO's - listen up to this 47:57 “Expand when other people are contracting.” - Albert Preciado 56:00 What you pay attention to 59:00 Follow Albert and his wife and go to https://www.drivenevent.com use code: BOMBSQUAD for a great discount 01:02:00 Bomb: Driven keeps getting better and better  

Mortgage is not the career path Madison Haltom had ever envisioned for herself. But, now she feels like she's living her dream helping people into their dream homes. Madison works in one of Zillow's most popular housing markets of 2022 - Prosper, Texas.In this Right at the Heart Podcast episode, Madison talks about:How she got started in mortgageWhat you need to know to own your dream homeAdvice for first-time homebuyersJumbo loans and the benefits for those who qualify for oneInvestment propertiesFor 5 simple daily savings tips to save up for a down payment, click HERE.NMLS# 2064263

If you've ever considered the opportunity of buying and owning rental properties, today's guest will inspire you. In this episode, we're joined by Angelica Resto, manager of our South Nashua branch and longtime employee of Triangle Credit Union. Angelica joins us to discuss her experience as a real estate owner and how she manages the responsibilities of running a successful rental property business. Learn more about Triangle's Commercial Services for business planning and funding Learn more about Triangle's Mortgage program or chat with a Mortgage Originator to discuss properry funding options Like what you heard? Go ahead and share on your social media! Visit trianglecu.org to learn more about how we can serve you and don't forget to follow us on Facebook and Twitter!

"How do I protect my assets and my money from inflation, well I'd invest in hard assets and that's real estate." -Kathleen Kramer   Today I am extremely excited again to be  interviewing Kathleen Kramer who is a licensed Broker and Mortgage Originator. This podcast is special because Kathleen just presented this topic at my February FIBI Pasadena meeting and because of the importance of the information, I've asked her to share it again on this platform. She owned and operated a branch of American Residential Funding Inc. in the early 2000's. She has closed on over 2,500 transactions worth over a billion in volume.  From 2002-2006 Kathleen ran a real estate meeting in Huntington Beach, CA.  Now she and her husband Michael focus on non performing notes. I was first introduced to Kathleen a few years ago from the Norris Group. She is a speaker and educator and will be releasing a course on notes in 2022. Kathleen Kramer: Learned what homeownership was growing up in CA from her parents who migrated to the United States from Hungary. Her education from her parents was not in investing itself, but in the value of home ownership. After college she started working at a mortgage company which was her first real introduction into the value of real estate investing. Fast forward to now, Kathleen and her husband invest in real estate backed investments like land development, multi family, single family, reg D syndications, and non performing notes. Kathleen received her degree in Business Economics from the University of California Santa Barbra.  TOPICS COVERED IN THE EPISODE: What are the 5 disruptors of the current economy  Kathleen's FIBI Pasadena presentation  How to identify opportunities in real estate in the current market  Why it's about supply and demand The US spending plan and inflation  You need to buy hard assets  What is the government doing  How can you embrace government incentives  How does the supply chain get fixed  Robotic jobs are here  Industrial growth and the opportunities there  What is happening at the Los Angeles port  Where is the path of growth  What are the short term effects  Short term vs long term  Consumer distress  Will there be a huge crash  They are developing pure rental communities  Bruce Norris Bill Tan   Who is Black Rock  How do investment firms run the government  Real estate is a protected class What are the global narratives and how will they play out  Neil Howe- The Fourth Turning    Listen now on Spotify or Apple iTunes or watch on Youtube to find out how Kathleen found her Real Estate Breakthrough! The Real Estate Breakthrough Show with Christina Suter is where we talk about the reality of real estate, the mindset you need and the tips and tricks to get you moving forward in investing. Join us every week and learn everything you need to know to invest in real estate education and create real wealth for a lifetime.   Find out more about Kathleen here:  LinkedIn Kathleen M. Kramer

  Sarah bytyqi is a Texas-born, Oklahoma City-based real estate broker. She is the owner and founder of Verbode. Her 4 children keep her on her toes, and she wouldn't have it any other way.    Sarah started Verbode in 2011 alongside Gary Caplinger because she wanted a brokerage that focused on Ethics, Professionalism, Community, and Teamwork, rather than sales metrics. She helped pioneer the niche market of urban real estate in OKC.    Sarah began her real estate career in Oklahoma City as a Mortgage Originator at J.P. Morgan in 2001. She then moved to CA which helped her gain a larger understanding of real estate. This also opened her eyes to the necessity of Green sustainable design in Oklahoma.    After moving back to Oklahoma City, she began investing in and restoring residential properties and saw an opportunity to get her real estate license.    After getting licensed in 2007, she worked in new construction as an agent representative and saw a need in her network for her real estate knowledge. UI   Since opening Verbode in 2011, Sarah has been able to serve her clients in over 350 transactions personally and has helped oversee 1800+ transactions company-wide. Welcome, Sarah to Action City!

We check in with our good friend Alex Zere, Mortgage Originator & Branch Manager at Goldwater Bank, for an update on the mortgage landscape. Jason Cassity, CA DRE 01928236The Cassity Team x COMPASSLINKS:Website - www.thecassityteam.comFacebook: www.facebook.com/jasoncassityREInstagram: www.instagram.com/jason_cassityFind Alex online at:Facebook - https://www.facebook.com/walter.hego

Bruce is joined by Kathleen Kramer.  In her 25+ years as a licensed Real Estate Broker and Mortgage Originator, Kathleen Kramer has closed over 2500 transactions for more than a $1 billion in volume.  She ran a successful Real Estate club in Huntington Beach from 2002 to 2006.  She and her husband, Michael, have personally invested in a variety of real estate backed investments including single family, multi-family, office, land development, reg D syndications and non-performing notes in several states.  Investing in real estate gave Kathleen the financial liberty to take a sabbatical from her Real Estate and Mortgage Brokerage business for the last two years.  She spent the time rehabbing her house in Huntington Beach, travelling, homeschooling her daughter, caring for the older generation and planning what is ‘next'.  Kathleen earned a degree in Business Economics from University of California at Santa Barbara in 1990.  Besides being a licensed CA Broker, she holds certifications in Commercial Real Estate, Private Lending and Mortgage Planning.  She is a regular speaker at the Orange County Real Estate Investor Association, providing monthly macro-economic and local Real Estate market updates.  She enjoys leading a Girl Scout Troop, teaching classes on real estate due diligence, and coaching her clients on moving up from single family to multi-family investing.  Bruce and Kathleen talk about what are the most telling things to watch coming out of the pandemic.The Norris Group originates and services loans in California and Florida under California DRE License 01219911, Florida Mortgage Lender License 1577, and NMLS License 1623669.  For more information on hard money lending, go www.thenorrisgroup.com and click the Hard Money tab.Video LinkRadio Show

Bruce is joined by Kathleen Kramer.  In her 25+ years as a licensed Real Estate Broker and Mortgage Originator, Kathleen Kramer has closed over 2500 transactions for more than a $1 billion in volume.  She ran a successful Real Estate club in Huntington Beach from 2002 to 2006.  She and her husband, Michael, have personally invested in a variety of real estate backed investments including single family, multi-family, office, land development, reg D syndications and non-performing notes in several states.  Investing in real estate gave Kathleen the financial liberty to take a sabbatical from her Real Estate and Mortgage Brokerage business for the last two years.  She spent the time rehabbing her house in Huntington Beach, travelling, homeschooling her daughter, caring for the older generation and planning what is ‘next'.  Kathleen earned a degree in Business Economics from University of California at Santa Barbara in 1990.  Besides being a licensed CA Broker, she holds certifications in Commercial Real Estate, Private Lending and Mortgage Planning.  She is a regular speaker at the Orange County Real Estate Investor Association, providing monthly macro-economic and local Real Estate market updates.  She enjoys leading a Girl Scout Troop, teaching classes on real estate due diligence, and coaching her clients on moving up from single family to multi-family investing.  Bruce and Kathleen talk about the real estate market and how they think it is holding up and how it will help the economy going forward in a post pandemic world. The Norris Group originates and services loans in California and Florida under California DRE License 01219911, Florida Mortgage Lender License 1577, and NMLS License 1623669.  For more information on hard money lending, go www.thenorrisgroup.com and click the Hard Money tab.Video LinkRadio Show

In this episode, we discuss the Mortgage process with Cody Sustakoski, Mortgage Originator at First United in Morgantown. Cody explains how it all works, his role in the process, best practices, what to expect when getting buying a home, as well as answering some listener questions!