Podcasts about mortgage tips

With rising living costs and more Canadians carrying balances on credit cards, student loans, and lines of credit, understanding how debt impacts your ability to buy a home has never been more important. Today on the podcast, I break down exactly how debt affects your mortgage qualification and what every first-time home buyer in Ontario needs to know before applying for a mortgage. In this episode, I cover:How lenders assess credit cards, lines of credit, loans, and other liabilities when reviewing your mortgage applicationWhat debt ratios are and why your existing monthly payments directly impact how much home you can affordWhy taking on new debt after a mortgage pre-approval can reduce your buying power and affect your home purchase plansHow student loans are calculated during the mortgage qualification processThe connection between debt management, credit health, and securing the best mortgage interest rates availableWhy paying down high credit balances before purchasing a home can help strengthen your application and position you for long-term financial successStill have questions? Leave me a comment on this episode or send me a DM over on Instagram @briannagoslinmortgages. I'll see you next time!Specific Questions?  Ready to get started?Book a free call with Brianna: www.Bricallme.comJoin my mailing list: https://briannagoslinmortgages.myflodesk.com/mortgagebitesWebsite: http://www.briannagoslinmortgages.comInstagram: https://www.instagram.com/briannagoslinmortgagesFacebook: https://www.facebook.com/brianna.goslin.mortgagesLinkedIn: https://www.linkedin.com/in/briannagoslinmortgages

Have you ever thought about how much money you might be leaving on the table at your mortgage renewal? Most Canadians simply sign on the dotted line without realizing that this is the perfect moment to reassess, save, and take greater control of their financial future. Today on Homeowner AF, I break down exactly how to turn your mortgage renewal into an opportunity to set yourself up for long-term wealth without unnecessary stress or hidden fees.In this episode, I cover:How to lock in the best mortgage rates before your renewalThe importance of strategizing before you signThe benefits of consolidating debt into your mortgageWhy your renewal is an ideal time to remove consignors and guarantorsHow accelerated payment options can help you save on interest and build wealth soonerThe cost of waiting until midterm and why acting at renewal keeps more money in your pocketIf your renewal is coming up, book a free call with me at www.Bricallme.com and let's explore what makes the most sense for your household. The right advice at the right time can move you closer to homeownership and long-term wealth. Thanks for listening, and I'll be back next week with another practical tip for first-time homebuyers in Ontario. Specific Questions?  Ready to get started?Book a free call with Brianna: www.Bricallme.comJoin my mailing list: https://briannagoslinmortgages.myflodesk.com/mortgagebitesWebsite: http://www.briannagoslinmortgages.comInstagram: https://www.instagram.com/briannagoslinmortgagesFacebook: https://www.facebook.com/brianna.goslin.mortgagesLinkedIn: https://www.linkedin.com/in/briannagoslinmortgages

Today on the podcast, I answer one of the most common questions I hear from first-time home buyers in Ontario: what is the difference between a cosigner and a guarantor? We dive into when each option makes sense, what lenders look for, and the important considerations you need to understand before asking someone to help you qualify for a mortgage.In this episode, I cover:• The key differences between a cosigner and a guarantor and how each impacts your mortgage application• Why lenders may require a cosigner even if you earn a good income • When adding a cosigner or guarantor can help you buy your first home and when it could create bigger financial challenges down the road• The responsibilities your cosigner or guarantor takes on and what happens if mortgage payments are missed• The risks of relying on a cosigner or guarantor to increase your purchase price and how to avoid becoming house poor• How to remove a cosigner from your mortgage in the future and why having an exit strategy is essential before signing any documentsAre you considering adding a cosigner or guarantor to your mortgage application and want advice tailored to your situation? Book a free consultation with me using the link below! Before you go, please leave a like and subscribe to the podcast for more expert insights on the steps for becoming a homeowner in Ontario!Specific Questions?  Ready to get started?Book a free call with Brianna: www.Bricallme.comJoin my mailing list: https://briannagoslinmortgages.myflodesk.com/mortgagebitesWebsite: http://www.briannagoslinmortgages.comInstagram: https://www.instagram.com/briannagoslinmortgagesFacebook: https://www.facebook.com/brianna.goslin.mortgagesLinkedIn: https://www.linkedin.com/in/briannagoslinmortgages

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Latrease Price-Gistard. Purpose of the Interview The interview aims to educate listeners on the mortgage industry, highlight the role and benefits of working with an independent mortgage broker, and provide practical advice on home financing options, credit challenges, and programs that support homeownership. It also shares Latrease’s entrepreneurial journey and lessons learned. Key Takeaways Background and Career Path Latrease has a finance degree and started in investment operations in 1999. Transitioned from auto financing and co-owning a car dealership to mortgage lending. Became an independent mortgage broker in 2022 after being laid off during rising interest rates. Role of an Independent Mortgage Broker Holds her own license and partners with multiple lenders to offer tailored loan products. Advocates for borrowers to ensure they get the right product, not just approval. Specializes in helping first-time buyers, self-employed individuals, and those with unique challenges. Home Financing Insights Reverse Mortgages: Typically for seniors 62+, often used by those 75+ with equity and limited retirement funds. Provides tax-free cash without monthly payments; debt settled upon sale or refinance. Zero Down Payment Programs: Offers up to 3% for down payment, attached to the mortgage; other programs provide up to 5% for down payment and closing costs. FHA 203K Program: Allows buyers to finance home purchase and renovations in one loan—ideal for fixer-uppers. Credit Challenges Programs exist for credit scores as low as 500, but require higher down payments (10–20%) and result in higher interest rates. Latrease consults and provides “what-if” scenarios to help clients improve credit over time. Entrepreneurial Lessons Mistakes: Starting without enough capital and a strong pipeline; economic timing matters. Advice: Build capital, secure a solid client pipeline, and understand market conditions before going independent. Notable Quotes On independence:“As a broker, you serve as that advocate for your borrower to make sure they’re getting the right loan product.” On reverse mortgages:“The beauty of it is there are no monthly payments going back to the institution. The debt is paid off when the home is sold or refinanced.” On credit challenges:“Programs go as low as 500 credit score, but those borrowers need 10–20% down.” On entrepreneurial advice:“Make sure you have strong capital and a solid pipeline before stepping out on faith.” On perseverance:“It’s all about follow-through. It’s all about your dream and whether you want to make it happen.” #SHMS #STRAW #BESTSteve Harvey Morning Show Online: http://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Today on Homeowner AF, I tackle one of my biggest frustrations as a mortgage professional: the misconception that single Canadians cannot buy a home. I break down strategies for single first-time homebuyers in Ontario and the support available to make homeownership achievable. Tune in to feel empowered, informed, and ready to take your next step toward owning your first home in Ontario.In this episode, I cover:How single-income applicants can navigate the mortgage process and prepare financially for their first homeStrategies for maximizing down payment savings, including owner-occupied rental opportunitiesAccessing municipal down payment assistance programs in Ontario to support your purchaseUnderstanding co-signer or guarantor options and how they can help single buyers enter the marketIf you found this episode helpful, please leave me a like and review. Get your question answered on the podcast by heading over to my socials and sending me a DM or voice note. I'll see you next time!Specific Questions?  Ready to get started?Book a free call with Brianna: www.Bricallme.comJoin my mailing list: https://briannagoslinmortgages.myflodesk.com/mortgagebitesWebsite: http://www.briannagoslinmortgages.comInstagram: https://www.instagram.com/briannagoslinmortgagesFacebook: https://www.facebook.com/brianna.goslin.mortgagesLinkedIn: https://www.linkedin.com/in/briannagoslinmortgages

Today on Homeowner AF, I'm breaking down what exactly happens after your offer is accepted on a home in Ontario. Most first-time home buyers think the hard part is over once the seller says yes, but the truth is, some of the most important steps are only just beginning. If you're buying your first home in Ontario, an understanding of this stage can save you stress and surprises. In this episode, I cover:What happens during the critical 5 to 10 business day conditional period The truth about deposits, down payments, and when your money is actually at risk The documents lenders may still request after your pre-approval How appraisals can impact your mortgage approval and purchase price The risks of going in firm without a financing condition in a competitive market The importance of having a fully reviewed pre-approval before you go house huntingDo you have more questions about the home buying process in Ontario? Send me a message at hello@briannagoslinmortgages.com or a voice note over on my socials to be featured on the podcast.Specific Questions?  Ready to get started?Book a free call with Brianna: www.Bricallme.comJoin my mailing list: https://briannagoslinmortgages.myflodesk.com/mortgagebitesWebsite: http://www.briannagoslinmortgages.comInstagram: https://www.instagram.com/briannagoslinmortgagesFacebook: https://www.facebook.com/brianna.goslin.mortgagesLinkedIn: https://www.linkedin.com/in/briannagoslinmortgages

Welcome back to Homeowner AF! Today on the podcast, I'm breaking down how gifted down payments work for first time home buyers in Canada and what you need to know before using gifted funds toward your home purchase. I also share advice for buyers who are saving without family support and explain why having a strategic homeownership plan can still move you closer to buying your first home in Canada. Whatever your situation, I'm here to get you closer to your goal! In this episode, I cover:Who can gift funds and what lenders typically allowThe paperwork and bank documentation needed for mortgage approvalWhy closing costs may still need to come from your own savingsWhat borrowers need to know before accepting gifted funds from familyHow working with a mortgage agent early can help speed up your home buying journeyIf you're preparing for a mortgage pre-approval or wondering how gifted funds affect your mortgage application, this episode will help you understand the process with confidence. Send your podcast questions to hello@briannagoslinmortgages.com and my socials below, or send me a voice note to be featured on the podcast! Specific Questions?  Ready to get started?Book a free call with Brianna: www.Bricallme.comJoin my mailing list: https://briannagoslinmortgages.myflodesk.com/mortgagebitesWebsite: http://www.briannagoslinmortgages.comInstagram: https://www.instagram.com/briannagoslinmortgagesFacebook: https://www.facebook.com/brianna.goslin.mortgagesLinkedIn: https://www.linkedin.com/in/briannagoslinmortgages

Welcome back to Homeowner AF: The Canadian First Time Homebuying Podcast, with your host Brianna Goslin! I am excited to be back after a long break, and we are diving straight into what has changed for the first time home buyer in Ontario. I break down who actually qualifies as a first time home buyer in 2026 and how to position yourself properly for homeownership in today's Canadian real estate market.In this episode, I cover:Key market shifts since 2024, including interest rate trends, credit use and housing supplyWho qualifies as a first time home buyer in Canada and OntarioFederal incentives like the Home Buyers' Plan, FHSA and extended amortization optionsOntario land transfer tax rebates and municipal down payment assistance programsHow common law status, co-signing and the four year rule affect eligibilityPlus, what I'll be covering in future episodes!I also share a real client example that shows why working with a mortgage agent early matters. If you are a first time home buyer, planning your next move or the friend of someone you know who is, share this episode and continue to tune into Homeowner AF weekly to get the clarity you need to move forward with confidence!Send your podcast questions to hello@briannagoslinmortgages.com and my socials below, or send me a voice note to be featured on the podcast! Resources Mentioned In This Episode:• First Time Buyer Benefits in Canada: https://www.canada.ca/en/revenue-agency/news/newsroom/tax-tips/tax-tips-2023/first-time-home-buyer-tax-incentives.html  • Homebuyer's Plan: https://www.canada.ca/en/revenue-agency/services/tax/individuals/topics/rrsps-related-plans/what-home-buyers-plan.html • First Home Savings Account (FHSA) https://www.canada.ca/en/revenue-agency/services/tax/individuals/topics/first-home-savings-account.html Specific Questions?  Ready to get started?Book a free call with Brianna: www.Bricallme.comJoin my mailing list: https://briannagoslinmortgages.myflodesk.com/mortgagebitesWebsite: http://www.briannagoslinmortgages.comInstagram: https://www.instagram.com/briannagoslinmortgagesFacebook: https://www.facebook.com/brianna.goslin.mortgagesLinkedIn: https://www.linkedin.com/in/briannagoslinmortgages

Today on the podcast, I am walking you through the true starting point of your homeownership journey as a first time home buyer in Ontario, and why getting a mortgage pre-approval before house hunting is one of the most important steps you can take. I break down exactly what a pre-approval includes, how it impacts your affordability, and how it sets you up to confidently enter the Canadian real estate market.In this episode, I cover:What a mortgage pre-approval is and how it determines your maximum purchase price and monthly paymentThe three key factors lenders assess: income, credit, and down payment for first time home buyersHow a rate hold works and how it protects you from rising interest rates in OntarioThe difference between a pre-approval and a pre-qualification and why that matters for your home buying strategyWhat documents you need, including T4s, NOAs, credit reports, and down payment verificationHow working with a mortgage agent versus a bank can impact your mortgage options and approvalIf you are a first time home buyer in Ontario looking to understand your numbers, strengthen your application, and move toward homeownership with confidence, I hope this episode will give you the clarity and strategy you need. Send your podcast questions to hello@briannagoslinmortgages.com and my socials below, or send me a voice note to be featured on the podcast! Specific Questions?  Ready to get started?Book a free call with Brianna: www.Bricallme.comJoin my mailing list: https://briannagoslinmortgages.myflodesk.com/mortgagebitesWebsite: http://www.briannagoslinmortgages.comInstagram: https://www.instagram.com/briannagoslinmortgagesFacebook: https://www.facebook.com/brianna.goslin.mortgagesLinkedIn: https://www.linkedin.com/in/briannagoslinmortgages

The real estate market right now is confusing for many buyers… but it's also full of opportunity.In this episode, we break down how today's market can benefit both buyers and sellers, how supply and demand are shaping home prices, and why many buyers hold themselves back with outdated assumptions about credit scores and down payments.We also explain why a strong pre-approval matters more than ever and how it can help your offer stand out in a competitive situation.If you're planning to buy a home, this episode will help you better understand the market and put yourself in a stronger position when it's time to make an offer.Support the showPlease subscribe give us a review and share the show. Email show ideas or apply to be a guest at:  info@coachclarence.com. We love your feedback.YouTube: Coach  Clarence TVInstagram: www.instagram.com/clarencemfergusonInstagram: www.instagram.com/tharealcoachclarenceFacebook:https://www.facebook.com/groups/fitover40withcoachclarenceLinkedin:https://www.linkedin.com/in/clarencef/Pinterest: https://www.pinterest.com/CoachClarence/Twitter: https://twitter.com/fitnusbiznus Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

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

Welcome back to The D Shift: Redefining Divorce And Beyond! Today, host Mardi Winder welcomes a truly unique expert to discuss one of the most impactful, yet often confusing, aspects of the divorce process: your home and your mortgage. Joining us is Stacey Ellison, a Certified Divorce Lending Professional and divorce mortgage planner, whose career has been devoted to helping divorcing individuals navigate the complex intersection of family law, real estate, and mortgage lending.In this candid conversation, Stacey Ellison reveals how the home often sits at the emotional and financial crossroads of divorce, and why decisions around mortgages are rarely as straightforward as most people believe. Drawing from her extensive experience, Stacey Ellison sheds light on common myths, for example, the misconception that you can simply “remove a spouse from a mortgage”, and unpacks why mortgage guidelines can drastically change when divorce enters the picture.Together, Mardi and Stacey discuss real-world mistakes she's seen, such as unrealistic timelines for refinancing, misunderstandings about lending requirements, and the risks of leaving both spouses tied to a property after separation. The episode covers scenarios ranging from couples with multiple properties to those facing market value vs. appraisal discrepancies, and why having a team of professionals, including lawyers, accountants, and mortgage experts, is the key to building a realistic, sustainable plan.You'll hear about the importance of running accurate numbers, the power of pre-planning and backup strategies, and why leaving things to chance can lead to costly and stressful complications down the road. Whether your divorce is collaborative or adversarial, this episode is packed with practical advice and expert tips to help you protect your assets, avoid common pitfalls, and set yourself up for a secure new beginning.About the Guest:Stacey Ellison is a Certified Divorce Lending Professional and Divorce Mortgage Planner with a deep understanding of the financial complexities that arise during and after divorce. With over 30 years of experience in the mortgage industry, Stacey brings a unique blend of technical knowledge and compassionate guidance to individuals navigating one of life's most challenging transitions. Since earning her CDLP® designation in 2020, Stacey has worked closely with family law attorneys, mediators, financial planners, and other divorce professionals to provide strategic mortgage guidance tailored to each client's needs.Her role is to ensure that both parties in a divorce understand their options when it comes to home equity, mortgage qualification, and long-term housing goals. Whether helping a client determine if they can keep the marital home, qualify for a new mortgage, or explore equitable buyout solutions, Stacey provides clarity, structure, and confidence in the decision-making process. Her goal is to help divorcing homeowners make sound financial choices that support both their immediate needs and long-term stability.To connect with Stacey:Instagram: @divorcemortgagesolutionsFacebook: https://www.facebook.com/StaceyCDLPLinked in: linkedin.com/in/stacey-ellison-694052aDivorce Lending Assoc: divorcelendingassociation.com/offices/stacey-ellison.cfmAbout the Host: Mardi Winder is an ICF and BCC Executive and Leadership Coach, Certified Divorce Transition Coach, Certified Divorce Specialist (CDS®) and a Credentialed Distinguished Mediator in Texas. She has worked with women in executive, entrepreneur, and leadership roles, navigating personal, life, and professional transitions. She is the founder of Positive Communication Systems, LLC, and host of Real Divorce Talks, a quarterly series designed to provide education and inspiration to women at all stages of divorce.Are you interested in learning more about your...

With rates holding steady between 5% and 6%, buyers can make smart, confident moves and secure better deals. Many people believe that success in real estate comes down to timing, but preparation plays a much bigger role than most realize. Whether you're buying or selling, the ability to act quickly and confidently will always matter more than trying to predict the perfect moment. I recently spoke with Chris Safe from Bell Bank Mortgage, a local loan officer with more than 30 years of experience in the Twin Cities, to discuss what's happening in the market right now and how you can position yourself to succeed. What is Bell Bank Mortgage? Bell Bank is a full-service, $16 billion bank that provides everything from home loans and bridge loans to car loans, checking accounts, and personal banking. Chris has spent 16 of his 33 years in the industry with Bell, which has grown to become the number one purchase lender in Minnesota with the largest market share in the state. Unlike many lenders that sell their loans to other companies, Bell services about 99.9% of the mortgages it originates. Even though the loans are sold to Fannie Mae or Freddie Mac, homeowners continue making payments directly to Bell, keeping everything under one roof. When clients log in to their Bell dashboard, they can see their mortgage, home equity line, bridge loan, investment property, and everyday banking accounts in one place. It is simple, transparent, and local, a rare combination in the lending world today. What's happening in today's market? As the Twin Cities enter the fall of 2025, the housing market is showing signs of its usual seasonal slowdown. Homes are staying on the market a little longer, and buyers are taking more time to make decisions. Interest rates are currently in the low 6% range, and Bell's secondary team expects them to stay between the high 5% and low 6% range for the next 12 to 18 months. Some might see that as a reason to wait, but Chris views it as an opportunity. Steady rates allow buyers and sellers to plan with confidence and make practical, informed decisions instead of emotional ones. “Preparation, not timing, is what helps buyers and sellers win in today's real estate market.” Why does preparation matter most? When asked what advice he would give to anyone planning a move, Chris said that the most important thing is to be prepared before the opportunity arrives. No one can control interest rates or future prices, but everyone can make sure their finances and plans are in order. For buyers, that means completing loan applications early, getting pre-approved, and setting a clear budget before searching for homes. When the right property becomes available, the last thing you want is to lose it because your paperwork is not ready. For sellers, preparation starts with reaching out to an agent early, making necessary repairs, and creating a pricing and marketing plan that reflects current conditions rather than last year's data. Minnesota typically experiences a slower winter season before activity rises again in the spring. Those who prepare now will be ready to act quickly when the market becomes more competitive. Preparation not only reduces stress but also eliminates delays and helps both buyers and sellers make stronger, faster decisions. It prevents last-minute problems and unnecessary costs that can easily be avoided with a clear plan. The market will continue to evolve, but those who prepare ahead of time will always be in the best position to succeed. If you're considering buying or selling, now is the time to put your plan in motion. For questions about mortgages, refinancing, or pre-approval, feel free to call or text us at 952-212-3597 or email us at ChadandSara@edinarealty.com. We look forward to hearing from you!

Tip Tuesday, 4-7 Min Real Estate TipsThis Tip Tuesday, we're breaking down what a 5/1 ARM loan is and helping you decide if it fits your home buying journey. We'll cover how adjustable-rate mortgages work, what prepayment penalties mean for your wallet, and how to make your mortgage process as smooth as possible. Whether you're a first-time buyer or just want to get smart about your options, you'll find practical advice to guide your next move in Arizona's real estate market.​​#ArizonaRealEstate #HomebuyingTips #MortgageAdvice #FirstTimeBuyer #RealEstateEducation #HomeLoanHelp​​Connect with Team EvoAZ: Text ConnectWithKatie to 480-508-9828 ​Connect with Ryan:Text ConnectWithRyan to 480-508-9828​​Want to browse Phoenix area homes? Text GetPhoenixDeals to 480-508-9828 to see our current "good deals" page.​​Disclaimer: The information provided in this video is for educational purposes only and not financial or legal advice. Always consult a licensed lender, real estate agent, or wealth manager for guidance specific to your situation.

The #1 mistake first-time homebuyers make? House hunting before getting pre-approved. In this episode of the State 48 Homeowner Podcast, Scott Kooiman sits down with Steve Farrington and Twila Edwards from the Klaus Team to explain why pre-approval is the crucial first step in the homebuying process. You'll learn: * Why pre-approval saves you time, money, and stress * How pre-approval helps you shop with confidence in the right price range * The difference between pre-qualification and pre-approval * How agents and lenders work together to strengthen your offer * Why communication between your realtor and lender is key to getting your dream home Don't waste time falling in love with homes that aren't the right fit — start with pre-approval and put yourself in the strongest position to buy.

In this episode, Stephen Schmidt interviews Patton Gade, a former military officer turned mortgage expert specializing in VA loans. Patton shares his journey from West Point to the mortgage industry, discussing the challenges and risks he faced along the way. He emphasizes the importance of understanding VA loans and the misconceptions surrounding them, while also reflecting on his experiences in building a successful mortgage business and team. The conversation highlights the significance of mentorship, the value of networking, and the impact of real estate on financial stability for veterans.   Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:  Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership:  Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true ‘white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright:  Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a “mini-mastermind” with Mike and his private clients on an upcoming “Retreat”, either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas “Big H Ranch”? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform!  Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------

In this engaging conversation, Stephen S. interviews Sharon Butler, a seasoned real estate expert who has helped over 16,000 people get their real estate licenses. Sharon shares her journey into real estate, emphasizing the importance of home ownership, creative financing, and the tax benefits of owning property. She discusses common misconceptions about down payments and the necessity of financial education. The conversation highlights the significance of building wealth through real estate and offers practical advice for aspiring investors.   Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:  Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership:  Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true ‘white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright:  Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a “mini-mastermind” with Mike and his private clients on an upcoming “Retreat”, either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas “Big H Ranch”? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform!  Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------

U.S. household debt just hit $18.2 trillion. Home equity? A record $35 trillion. So… why are homeowners drowning in 20% credit card interest while sitting on six figures of untapped equity? We break down the disconnect between debt overload and equity potential—and why it's the perfect moment for real estate agents and mortgage pros to lead bold, strategic conversations with clients. This isn't about selling a loan. It's about clarity, options, and unlocking financial freedom.

In this conversation, Renee Gaugler shares her journey into real estate and the mortgage industry. Despite early struggles with sales, she built a successful business by focusing on expertise and client trust. The 2008 crash boosted her business, as people began seeking knowledgeable professionals. Renee emphasizes the importance of aligning mortgage decisions with long-term financial goals, including investing in rental properties to build generational wealth. Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:  Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership:  Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true ‘white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright:  Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a “mini-mastermind” with Mike and his private clients on an upcoming “Retreat”, either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas “Big H Ranch”? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform!  Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------

Are you sitting on a gold mine without even knowing it? In this episode of State 48 Homeowner, we show you exactly how to leverage your home's equity for maximum financial gain—whether it's paying off high-interest debt or investing in your future through real estate. Discover why now might be the perfect time to tap into your home's hidden potential. Key Topics & Takeaways Understanding Equity: See how to calculate your equity and turn it into a real financial asset. Debt Elimination: Reduce (or eliminate) high-interest credit card debt and personal loans by using lower-interest home equity options. Investing Strategy: Discover how you can use your home's equity to purchase rental properties and build passive income. Arizona Real Estate Boom: Find out why property values from 2015 to 2025 have soared, potentially boosting your equity.

Kevin Amolsch is a successful real estate investor and private money lender. He earned his degree in Finance after serving four years in the US Army. After college, Kevin spent two years working with Wall Street as a mortgage bond analyst before leaving to work full-time in real estate financing for investors. He and his companies have closed on over 2,500 transactions as a buyer, seller or private money lender. He has spent 2 decades as a real estate investor and 18 years in real estate lending. He is the author of 2 bestselling books, a frequent speaker, and has been quoted in The Las Vegas Review-Journal, The Denver Post, Denver Business Journal, Forbes, and Yahoo Real EstateWhy listen to our interview with Kevin Amolsch:[00:00-4:20] The Reality of REI[04:21-09:55] Fix and Flip or…[09:56-15:10] Challenges in the Current Market[15:11-16:19] Take a break…[16:20-24:04] Economic Factors and Predictions[24:05-28:05] Answer your financing questions[28:06-30:48] Investor Q&AConnect with Kevin at https://www.linkedin.com/in/kevinamolsch/****INTERESTED IN FRANCHISING BUT DON'T KNOW WHERE TO START? Grab Bob Bernotas' free course for a limited time only at edu.franchisewithbob.com/idealAny questions?*** Interested in our $10k/month passive strategy? Just sign up for our newsletter at https://bit.ly/iwg-strategy BOOK IS OUT! Grab Your Copy and learn how to get your feet wet in real estate investing Download episodes to your favorite platforms at idealinvestorshow.com Connect with us through social! We'd love to build a community of like-minded people like YOU!

In this episode of Next Steps 4 Seniors: Conversations on Aging, host Wendy Jones welcomes top real estate expert Christina Gennari from Keller Williams to discuss the challenges and solutions for seniors looking to transition into a new home. Whether it’s downsizing, right-sizing, or finding a safer and more accessible space, Christina shares insider tips on the home-buying and selling process, including: • Why planning ahead matters and how early preparation can maximize your home’s value. • The financial side of moving, including insights on reverse mortgages and their hidden challenges. • Smart home choices based on future mobility and accessibility needs. • The growing trend of in-law suites and multi-generational living spaces. • Easy home modifications for safety, like grab bars and walk-in tubs. If you or a loved one are considering a move but feel overwhelmed, this episode is packed with expert advice to help make the transition smoother and more financially sound.

What does it take to build a thriving real estate business with family? In this episode of the Real Estate Excellence Podcast, Tracy Hayes sits down with the dynamic mother-daughter real estate duo, Tari Taylor and Kari Francom. Tari, a seasoned real estate professional, started in the industry in 2005 after a career in banking, driven by a passion for helping people. She later founded Premier Homes Realty alongside her husband, Mike, creating a brokerage built on agent empowerment, transparency, and exceptional service. Now, her daughter Kari has joined the business, bringing fresh energy and perspective. Together, they share insights on navigating market shifts, building a sustainable career in real estate, and the importance of ethics, mentorship, and continuous learning. They know that changing real estate markets, rising interest rates, inflation, and economic uncertainty create significant financial difficulty for buyers and sellers to meet their goals.  They work hard to help their clients overcome those difficulties. As an independent brokerage, they can modify our commissions.  For sellers, they will list their home for only 4% total real estate commission.  If they personally bring in the buyer, they will reduce your cost to only 3% commission.  For buyers, they will pay up to 1% of the purchase price towards your closing costs and prepaids, subject to your lender approval. A licensed real estate agent since 2005, (20 years) Tari is a broker associate and has a degree in Paralegal Studies, Broker Price Opinion, a Short Sale and Foreclosure Resource designations. Kari provided staff support for the company while completing her bachelor's degree and obtained her real estate license in 2022. Are you considering a career in real estate? Tari and Kari emphasize the importance of finding the right mentorship and aligning with the right brokerage. If you're a buyer or seller looking for a team that truly puts you first, reach out to Premier Homes Realty today!   Highlights 01:03 - 09:20 Building a Business with Family Tari's transition from banking to real estate in 2005 The founding of Premier Homes Realty and its unique commission model Kari's decision to follow in her mother's footsteps The benefits and challenges of working as a mother-daughter team How passion and work ethic play a role in real estate success 09:21 - 25:25 Navigating Market Shifts & Short Sales The impact of the 2008 market crash on real estate Tari's experience learning short sales and foreclosure processes How helping clients through short sales built long-term relationships Market trends from 2005 to today and how they affect agents Adapting to interest rate fluctuations and inventory changes 25:26 - 38:51 The Key to Success: Ethics, Client Focus & Mentorship Why ethics and transparency are critical in real estate The importance of choosing the right brokerage and mentorship How Tari and Kari conduct their listing presentations Why putting clients first leads to a sustainable career Balancing business goals with genuine care for people 38:52 - 50:12 Mastering Client Interactions & Growing Confidence The importance of communication and negotiation in real estate Kari's growth in confidence through mentorship and experience Handling difficult clients and maintaining professionalism Adapting to different personality types in real estate transactions How body language and engagement reveal client trust 50:13 - 55:00 Building a Brokerage That Supports Agents How Premier Homes Realty provides 100% commission to agents The brokerage's approach to mentoring new and experienced agents Why retention matters more than constant recruiting The importance of having a broker who stays involved in transactions How Premier Homes Realty fosters collaboration and education 55:01 - 01:15:02 Innovation, Technology & The Future of Real Estate Why staying ahead with technology is crucial for real estate success The role of market research and online presence in attracting clients How Premier Homes Realty continues to evolve and adapt The future of real estate teams and mentorship programs Final thoughts on what it takes to build a lasting career in real estate Conclusion   Quotes: “Take care of people, and the money will take care of itself.” – Tari Taylor  “I saw how dedicated my mom was, and I wanted that passion in my own career.” – Kari Francom  “There are so many houses out there—I'm not worried about competition. I believe everyone has their own network and sphere.” – Kari Francom  “You have to think outside the box. Some brokerages keep you in a box, but if you want to grow, you have to break out of it.” – Tari Taylor  “Every transaction is different. Even after 20 years, I'm still learning something new.” – Tari Taylor   To contact Tari Taylor & Kari Francom, learn more about them business, and make them a part of your network, make sure to follow them on Facebook, Instagram, and YouTube. Facebook: https://www.facebook.com/taritaylorrealtor Instagram: https://www.instagram.com/tariandkarikeepingitrealestate/ YouTube: https://www.youtube.com/@premierhomesrealtyfl   Connect with me! Website: toprealtorjacksonville.com   Website: toprealtorstaugustine.com    If you want to build your business and become more discoverable online, Streamlined Media has you covered. Check out how they can help you build an evergreen revenue generator all powered by content creation!   SUBSCRIBE & LEAVE A 5-STAR REVIEW as we discuss real estate excellence with the best of the best.   #RealEstateExcellence #RealEstatePodcast #MotherDaughterDuo #RealEstateSuccess #PremierHomesRealty #RealEstateMentorship #FirstTimeHomeBuyer #RealtorLife #JacksonvilleRealEstate #HomeBuyingTips #RealEstateInvesting #LuxuryRealEstate #RealEstateMarket #RealtorNetworking #WomenInRealEstate #HomeSellers #HouseHunting #RealEstateStrategies #MortgageTips #DreamHome

In this episode, we dive into self-employed individuals' challenges when applying for home loans. Despite generating substantial revenue, 99% of self-employed people often find themselves declined for mortgages due to the way lenders assess income. The host explains how tax benefits, such as writing off expenses and deducting business costs, can lead to a lower taxable income, which is what banks use to qualify applicants. This discrepancy can be frustrating for business owners who may appear less financially stable on paper than they truly are. Tune in to learn a simple hack to navigate this issue and ensure you qualify for the home loan you deserve, without sacrificing your hard-earned tax benefits. Don't forget to subscribe for more insights and tips tailored for self-employed professionals!Support the showPlease subscribe give us a review and share the show. Email show ideas or apply to be a guest at: info@coachclarence.com. We love your feedback.YouTube: Coach Clarence TVInstagram: www.instagram.com/clarencemfergusonInstagram: www.instagram.com/tharealcoachclarenceFacebook:https://www.facebook.com/groups/fitover40withcoachclarenceLinkedin:https://www.linkedin.com/in/clarencef/Pinterest: https://www.pinterest.com/CoachClarence/Twitter: https://twitter.com/fitnusbiznus

Join Timothy P. Pope, CFP®, as he welcomes Bobby Baker, an experienced aviator and mortgage specialist with Trident Home Loans, to the Pilot Money Podcast. In this episode Bobby shares his dual expertise in aviation and home financing, offering tailored mortgage solutions for pilots. Drawing from his unique background in both the military and commercial aviation, Bobby discusses how pilots can navigate the often-complex landscape of home loans, emphasizing options like VA loans and conventional financing.What You'll learn from this episode:Specialized Home Financing for Pilots: Explore how understanding pilot pay structures and career transitions are crucial in securing the right mortgage.VA Loans Explained: Bobby breaks down the benefits of VA loans for qualifying pilots, including no down payment and no private mortgage insurance requirements.Investment and Second Home Strategies: Insights into managing property investments, particularly for pilots interested in acquiring second homes or rental properties.Navigating Credit and Loans as a Pilot: How pilots can best prepare for mortgage applications and what unique considerations they should be aware of.Real Estate as a Long-term Investment: Bobby shares his perspective on the real estate market for pilots, offering advice on buying, selling, and renting properties.Resources:Trident Home LoansBobby Bake LinkedInSchedule An Appointment Our Practice's WebsiteSend Us Your Questions: pilotmoneypodcast@ceterainvestors.comDisclosure:Timothy Pope is a Certified Financial Planner™ offering securities and insurance products offered through Cetera Investment Services LLC, member FINRA, SIPC. Advisory services are offered through Cetera Investment Advisers LLC. Tim's Branch Office is located at 5200 77 Center Drive, Suite 330, Charlotte, NC 28217. The branch phone number is 704-717-8900. The views depicted in this material are for information purposes only and are not necessarily those of Cetera Investment Advisers.This Podcast is designed to provide accurate and authoritative information on the subjects covered. It is not, however, intended to provide specific legal, tax, or other professional advice. For specific professional assistance, the services of an appropriate professional should be sought.

Tip Tuesday, 2-4 Min Real Estate Tips In this video, Dana from Team EvoAZ and Ryan from Your Best Mortgage explain how homebuyers can determine how much they can afford in the current real estate market. They mention key factors like mortgage rates, down payment options and debt-to-income ratio's. Whether you're a first-time homebuyer or looking to upgrade, this video will help you with the beginning stages. Connect with Dana: https://danawilson.exprealty.com/holp/app Connect with Ryan: https://www.facebook.com/thegilliamteam This is a pre-recorded video. The information given in this video and/or any of our videos is not intended to promote the buying and/or selling or abstaining from buying and/or selling of any real estate. The primary purpose of this podcast is to educate and inform on a very specific market. This information should not be construed as advice. Please consult your attorney, CPA, real estate agent, or wealth manager directly in regard to any specific sale, purchase, or financial decisions you make based on the information provided in our videos.

Janet & Karen start this podcast off with some incredible buying and rental opportunities in Ventura County, if you're looking to sell, purchase or rent... this podcast is for you!  First up, The Reverse Mortgage Queen is back with a few very important tips on Reverse Mortgages and why it is essential to have a professional like Shelly Wells guiding you through everything from junk mail to HOA fees, taxes and insurance for those who take on a reverse mortgage.  For business people, Paul Hunt representing SCORE is a must-listen.  Paul is a professional who along with many others use their years of experience to help local businesses navigate through these challenging times and make their business a success.  Arturo Hernandez of Central Coast ADU's will show you what ADU best fits you on your property.  There are a number of ADU's to consider and his years of experience will show you the one that fits your property and goals the best.  Girls On The Air!

In this episode, Ryan Hills breaks down the latest stats in the housing market and mortgage industry. From incredible appreciation rates in small towns to predictions of a 100% chance of a Fed Rate cut, we've got all the details you need to stay informed. Whether you're a loan officer or real estate agent, this episode is packed with valuable insights. Tune in to find out what's driving these trends and how they might impact your business. Tag an industry pro, share within your team, and post to your local groups & associations!   Love this podcast? Subscribe Today! https://theresource.tv Youtube: Watch Now! Join our thousands of FB fans: http://www.Facebook.com/TheREsource.tv Twitter: https://twitter.com/theresourcetv Instagram: https://www.instagram.com/theresourcetv

In this episode of Fit Over 40 with Coach Clarence, the focus is on the importance of maintaining a good credit score. Coach Clarence discusses how credit impacts various aspects of life, from loans to job opportunities. He highlights the factors that can affect credit scores and emphasizes the need to regularly check your credit report. Tune in for insightful tips on managing your credit effectively to secure your financial future.Support the Show.Please subscribe give a review and share the show. Email show ideas or apply to be a guest at: info@coachclarence.com. We love your feedback.YouTube: Coach Clarence TVInstagram: www.instagram.com/clarencemfergusonFacebook:https://www.facebook.com/groups/fitover40withcoachclarenceLinkedin:https://www.linkedin.com/in/clarencef/Pinterest: https://www.pinterest.com/CoachClarence/Twitter: https://twitter.com/fitnusbiznus

In this episode of The RE Source, Ryan Hills breaks down the latest data showing why dropping mortgage rates and a cooling housing market might actually be great news. We'll cover key statistics, trends, and what this means for you as a homeowner or potential buyer. Don't miss this data-rich analysis that could change your perspective on the market! Show Links: CME FedWatch Tool - CME Group Tag an industry pro, share within your team, and post to your local groups & associations!   Love this podcast? Subscribe Today! https://theresource.tv Youtube: Watch Now! Join our thousands of FB fans: http://www.Facebook.com/TheREsource.tv Twitter: https://twitter.com/theresourcetv Instagram: https://www.instagram.com/theresourcetv

Buying a house soon and wondering what loans to use or tips to get a better credit rating? Do I need to work with a lender and will they really look out for me? That is why I invited my friend, Rita Hairston, a senior home loan consultant with Main Street Home Loans. She covers mortgage loans, tips, and busts some mortgage myths in this week's podcast episode. Mentioned in this episode: Experian Boost https://www.experian.com/consumer-products/score-boost.html Check out Rita Hairston's website at www.hairstonhomeloans.com

Welcome back to the State 48 Homeowner podcast! In this episode, Real Estate Broker Scott Kooiman and Steve Farrington from Unity Home Loans tackle the crucial question: "How much home loan can I afford by salary in Arizona?" They discuss the factors influencing home affordability, the benefits of homeownership, and the steps to take when considering buying a home. Steve shares valuable insights on loan options, property taxes, and the importance of getting pre-approved. Whether you're a first-time homebuyer or looking to invest, this episode is packed with practical advice to help you navigate the real estate market. Tune in to learn more about making informed decisions and achieving the dream of homeownership.

Join Ryan Hills and climber and marketing expert Ryan Christensen as they dive into the parallels between climbing mountains and overcoming challenges in the mortgage industry. Learn how resilience, grit, and the right mindset can help you navigate false summits and market hurdles. This episode is packed with insights and practical advice to help you stay on track and achieve your goals. Don't miss it! 0:00 – Intro 2:00 – Business mindset perspective: Setting the pace vs supporting the entire team. 9:00 – How to intelligently deal with “false summits” in life and business. 12:20 – The 12 Week Year… more like the 1 Week Year! 14:00 – Redundancy and Grit are often overlooked in business – can't afford to not adopt these attributes! 16:50 – Positivity only gets you so far – DIRTY GRIT is what's actually required to survive, then thrive! 23:25 – It's go time… your family depends on you and no one is coming to save you. Show Links: Lessons from the ledge: Alison Levine at TEDxMidwest Tag an industry pro, share within your team, and post to your local groups & associations!   Love this podcast? Subscribe Today! https://theresource.tv Youtube: Watch Now! Join our thousands of FB fans: http://www.Facebook.com/TheREsource.tv Twitter: https://twitter.com/theresourcetv Instagram: https://www.instagram.com/theresourcetv

In this episode of Coach's Corner, Coach Clarence discusses three types of loans to consider in a high-interest rate market. He explains the differences between fixed-rate and adjustable-rate mortgages (ARMs), highlighting the pros and cons of each. While fixed-rate mortgages offer a stable interest rate for the loan's duration, ARMs can adjust based on the market with a cap limit. Coach Clarence emphasizes the importance of understanding these loan options to make informed decisions in a changing market.00:00:00 - Introduction to Coach's Corner00:00:14 - Overview of Loan Types in High Interest Rate Market00:00:35 - Fixed Rate Mortgages Explained00:01:07 - Adjustable Rate Mortgages (ARMs) Explained00:02:01 - Pros and Cons of Fixed Rate Mortgages00:02:12 - Pros and Cons of Adjustable Rate Mortgages00:03:04 - Introduction to Buy Downs00:03:35 - Pros and Cons of Buy Downs00:05:09 - Qualifying for Buy Downs00:05:31 - Introduction to HELOCs00:06:12 - Benefits of HELOCs00:07:27 - Cons of HELOCs00:08:20 - Importance of Credit Management00:09:13 - Interest Rates and Market Trends00:10:16 - Strategic Mortgage Payments00:10:58 - Home Equity and Appreciation00:11:19 - First Home Considerations00:12:01 - Building a Stable Financial Future00:12:23 - Recap of Loan Types00:13:04 - Strategic Use of ARMs00:13:47 - Strategic Use of Buy Downs00:14:20 - Multi-Unit and Multi-Generational Properties00:15:05 - Renting vs. Homeownership00:15:56 - Final Advice and EncouragementSupport the Show.Please subscribe give a review and share the show. Email show ideas or apply to be a guest at: info@coachclarence.com. We love your feedback.YouTube: Coach Clarence TVInstagram: www.instagram.com/coachclarence1Instagram: www.instagram.com/clarencemfergusonFacebook:https://www.facebook.com/groups/fitover40withcoachclarenceLinkedin:https://www.linkedin.com/in/clarencef/Pinterest: https://www.pinterest.com/CoachClarence/Twitter: https://twitter.com/fitnusbiznus

Dawn and Steve welcome Jim Paris with ChristianMoney.com to provide us with some mortgage tips! Jim is the author of more than 30 books including his bestsellers Living Financially Free and How to Pray For A Financial Miracle. He is the editor-in-chief of the website ChristianMoney.com and the host of Jim Paris Live.See omnystudio.com/listener for privacy information.

For many of today's couples, the prospect of a wedding is weighed heavily against the prospect of buying a house. Marriage or Mortgage, right? We think wedding planning is inextricably tied to your future plans and where you live is certainly at the top. So, we spoke with Amanda Pendleton, Zillow's Home Trend Expert, to learn amazing tips for setting your home-buying journey into motion, WHILE planning your wedding! This episode is sponsored by Greenvelope. B$B Blog B$B on TikTok B$B on Instagram Free Invitation Printables Wedding Deals! The Book email podcast@thebudgetsavvybride.com to collaborate! The Bouquet Toss is part of the Evergreen Podcasts Network Learn more about your ad choices. Visit megaphone.fm/adchoices

On this episode, mortgage veteran Jeff Smith of Tiger Home Loans opens the vault on his 18-year tenure to share a meticulously crafted method that has cemented his reputation as a linchpin in the mortgage industry.For Realtors:- Learn how Jeff's pre-qual consultation ensures a seamless, transparent, and supportive journey for your clients, setting the stage for a harmonious homebuying experience.- Discover the strategies that pre-emptively tackle common questions and objections, fostering a proactive environment that cultivates trust and eases anxieties.- See how partnering with a lender who prioritizes client education and preparation can elevate your service and client satisfaction to new heights.For Lenders:- Gain insight into an expertly refined process that addresses every conceivable client concern, equipping you with the tools to enhance your consultation effectiveness.- Understand the nuances of a system that not only wins clients but also establishes a foundation of trust and authority from the first interaction.- Consider the opportunity to join forces with Jeff at his brokerage, where this proven process is just the beginning of setting industry standards.This episode doesn't just spotlight a successful consultation—it invites you to witness a masterclass that transforms potential obstacles into stepping stones for client assurance and success. Whether you're guiding clients through the thicket of mortgage planning or looking to sharpen your own advisory skills, this is your roadmap to a process that guarantees success.Tune in and redefine your approach to the pre-qualification consultation with insights that only decades of experience can forge. Elevate your practice, join an alliance of excellence, and ensure every client journey is not just a transaction, but a milestone of financial triumph with Jeff Smith.Important Links & Info:Follow Jeff:Instagram: https://www.instagram.com/jeffsmithaz/Facebook: https://www.facebook.com/profile.php?id=100002927397116LinkedIn: https://www.linkedin.com/in/jeff-smith-40627016/Jeff Smith - Tiger Home Loans

On Episode 5, we have special guest Kendra DiPaola from Southwind Financial. In honor of spooky season upon us, we share a nightmare story that proves that not all lenders are the same. A Q&A with Kendra reveals her biggest tips for buyers and what first time homebuyers can expect when they work with her. On the flip side, Kendra shares what sellers and their agents should look for to ensure potential buyers are really as qualified as they say they are.

All over real estate, people are panicking because they don't have deals. This market is not an easy one to navigate, and on the mortgage side of the industry, lenders are in trouble.   Why are lenders pivoting and cutting back? What are some of the things that we don't know about mortgage? What are some proven successful mortgage strategies that we can use?   In this episode, VA Loan Specialist, Derrick Evens joins us to talk about how to make it rain in a challenging market.    You'll also learn; Why we should spend more time and energy on our sphere Adding more value to high value partners Social media reels and short form videos Marketing: Stop throwing money away on it   Guest Bio   Derrick Evens is here to serve ALL, but his professional focus is on those who have worn the cloth. Too often, veterans are targeted by money-hungry mobsters just looking for a trusting "client" to take the bait. He has spent his career as a Consumer Advocate and now as a Veteran Advocate, specifically working in the VA Mortgage industry to help veterans buy and refinance their homes in an easy, efficient and inexpensive way.    Derrick's goal is to serve YOU, the Veteran or Active Duty Service Member to the absolute best of his ability.    Find Derrick on LinkedIn @Derrick Evens Subscribe to his YouTube Channel @SmarterSanDiego     Subscribe on YouTube, Apple Podcasts, or Spotify, and don't forget to leave a review if you like what you heard. Your review feeds the algorithm so our show reaches more people. Thank you!   

June is homeownership month!! How do you save money when buying a home and how does buying a home actually save you money (while you're building that nest egg). Sonya and Katie go over a few key points to consider about homebuying if you're a renter and some tips in how to save time and money when it's time to buy. Connect with Katie: http://katiehallelambert.com/ Connect with Sonya: https://www.facebook.com/snmaynes Here are some other free goodies as mentioned during this episode: Monthly AZ Real Estate Market Update playlist: https://youtube.com/playlist?list=PLvQwjaqVCSSCCM03bEibfXtDa1sfytn-O Assistance programs for homebuyers including 100% financing programs: https://katielambert.exprealty.com/ask/7fe540109296241d989a070d8532e6e5 Free basic budget and explaination: https://youtu.be/yvfa3CsehFg Tip Tuesday – Real Estate and Mortgage Tips delivered every Tuesday: https://youtube.com/playlist?list=PLvQwjaqVCSSDoIuM6ck2EyNJmu8I0ORl8 Ways to save for your emergency fund and idea's to generate more income: https://youtu.be/sJOse6wz5Fw To learn more about AZ real estate and to keep up on trends and market conditions, join us in our Homeowner Education Group on FB: https://www.facebook.com/groups/teamevoazhomeowners Subscribe to our podcast channel, just search: MOMnation Talk Radio. We are on all the popular podcast platforms! Connect with MOMnation here: https://momnationusa.com/ Brought to you by Team EvoAZ at eXp Realty

Do you have a mortgage? If so, you're not alone. Millions of Americans have mortgages, and many of them are struggling to make their payments. If you're one of those people, you're in luck. There are a number of ways to pay down your mortgage faster and save thousands of dollars. In this episode, we'll discuss some of the most effective ways to pay down your mortgage. We'll talk about making extra payments, refinancing your loan, and using a variety of other strategies. We'll also provide tips on how to stay motivated and on track with your plan. If you're serious about paying down your mortgage, this episode is for you. We'll give you the information you need to make a plan and start saving money today. Visit www.williedavisrealtor for more real estate information. | Schedule Your Buyer or Seller Consultation: calendly.com/williedavisrealtor | Get Your Home Value: williedavisrealtor.com/homevalue --- Support this podcast: https://podcasters.spotify.com/pod/show/millennialrealestate/support

In our video on the "BRRRR Strategy for MLOs," we dive into the powerful investment approach used by Mortgage Loan Officers (MLOs). Join us as we uncover the steps involved in Buy, Rehab, Rent, Refinance, and Repeat, enabling MLOs to maximize returns in the real estate market. From identifying lucrative properties to securing financing and managing renovations, this video provides MLOs with valuable insights to leverage the BRRRR strategy effectively. Prepare to unlock a wealth of knowledge and take your real estate investment game to new heights!The Mortgage Calculator Mortgage Loan Officer Training Series covers an in depth training for new and experienced MLOs on different loan types. Our program features a live demo to not only structure a loan, but also the specific setup of a loan file in an LOS system such as Encompass.For more info visit https://themortgagecalculator.comLoan Officers for Unlimited Free Non-QM Leads & Trainings Join The Mortgage Calculator at https://themortgagecalculator.com/joinAbout The Mortgage Calculator:The Mortgage Calculator is a licensed Mortgage Lender (NMLS #2377459) that specializes in using technology to enable borrowers to access Conventional, FHA, VA, and USDA Programs, as well as over 5,000 Non-QM mortgage loan programs using alternative income documentation! Using The Mortgage Calculator proprietary technology, borrowers can instantly price and quote thousands of mortgage loan programs in just a few clicks. The Mortgage Calculator technology also enables borrowers to instantly complete a full loan application and upload documents to our AI powered software to get qualified in just minutes!Our team of over 350 licensed Mortgage Loan Originators can assist our customers with Conventional, FHA, VA and USDA mortgages as well as access thousands of mortgage programs using Alternative Income Documentation such as Bank Statement Mortgages, P&L Mortgages, Asset BasedCatch all the episodes of the Loan Officer Training Podcast at https://themortgagecalculator.com/Page/Loan-Officer-Training-Series-Podcast Catch all the episodes of the Loan Officer Training Podcast at https://themortgagecalculator.com/Page/Loan-Officer-Training-Series-PodcastLoan Officers for Unlimited Free Non-QM Leads & Trainings Join The Mortgage Calculator at https://themortgagecalculator.com/joinThe Mortgage Calculator is a licensed Mortgage Lender (NMLS #2377459) that specializes in using technology to enable borrowers to access Conventional, FHA, VA, and USDA Programs, as well as over 5,000 Non-QM mortgage loan programs using alternative income documentation! Using The Mortgage Calculator proprietary technology, borrowers can instantly price and quote thousands of mortgage loan programs in just a few clicks. The Mortgage Calculator technology also enables borrowers to instantly complete a full loan application and upload documents to our AI powered software to get qualified in just minutes! Our team of over 350 licensed Mortgage Loan Originators can assist our customers with Conventional, FHA, VA and USDA mortgages as well as access...

Kim and Barb are joined by special guest, Tara Beattie, Mortgage Broker with Mortgage Connection, for a discussion on navigating the financial side of purchasing a home from pre-approvals to down payments, interest rates, first time home buyer incentives, competitive offer scenarios and more! For more information or to get pre-approved, please reach out to Tara at Mortgage Connection! And to start your home buying experience, please reach out to Kim and Barb at the Richardson Group at Sotheby's International Realty Canada. 

As a Mortgage Loan Officer / Originator it is important to know how to properly structure these Profit & Loss loans. Watch the full "LOTS" training video today to learn the knowledge needed for these loan programs.#profitandloss #profitandlosstricks #profitandlossloans #p&llaons #loanofficers #loanofficertraining The Mortgage Calculator Loan Officer Training Series covers an in depth training for new and experienced MLOs on different loan types. Our program features a live demo to not only structure a loan, but also the specific setup of a loan file in an LOS system such as Encompass.Loan Officers for Unlimited Free Non-QM Leads & Trainings Join The Mortgage Calculator at https://themortgagecalculator.com/joinAbout The Mortgage Calculator:The Mortgage Calculator is a licensed Mortgage Lender (NMLS #2377459) that specializes in using technology to enable borrowers to access Conventional, FHA, VA, and USDA Programs, as well as over 5,000 Non-QM mortgage loan programs using alternative income documentation! Using The Mortgage Calculator proprietary technology, borrowers can instantly price and quote thousands of mortgage loan programs in just a few clicks. The Mortgage Calculator technology also enables borrowers to instantly complete a full loan application and upload documents to our AI powered software to get qualified in just minutes!Our team of over 350 licensed Mortgage Loan Originators can assist our customers with Conventional, FHA, VA and USDA mortgages as well as access thousands of mortgage programs using Alternative Income Documentation such as Bank Statement Mortgages, P&L Mortgages, Asset Based Mortgage Programs, No Ratio CDFI Loan Programs, DSCR Investor Mortgages, Commercial Mortgages, Fix and Flip Mortgages and thousands more!Our Mortgage Loan Originators are trained to be loan consultants to guide borrowers throughout the entire loan process. A licensed Loan Officer is only a phone call or zoomCatch all the episodes of the Loan Officer Training Podcast at https://themortgagecalculator.com/Page/Loan-Officer-Training-Series-Podcast Catch all the episodes of the Loan Officer Training Podcast at https://themortgagecalculator.com/Page/Loan-Officer-Training-Series-PodcastLoan Officers for Unlimited Free Non-QM Leads & Trainings Join The Mortgage Calculator at https://themortgagecalculator.com/joinThe Mortgage Calculator is a licensed Mortgage Lender (NMLS #2377459) that specializes in using technology to enable borrowers to access Conventional, FHA, VA, and USDA Programs, as well as over 5,000 Non-QM mortgage loan programs using alternative income documentation! Using The Mortgage Calculator proprietary technology, borrowers can instantly price and quote thousands of mortgage loan programs in just a few clicks. The Mortgage Calculator technology also enables borrowers to instantly complete a full loan application and upload documents to our AI powered software to get qualified in just minutes! Our team of over 350 licensed Mortgage Loan Originators can assist our customers with Conventional, FHA, VA and USDA mortgages as well as access...

Loan Officers, watch this training to learn how you can be an expert on Profit & Loss mortgage loan programs for your Mortgage Loan business. Let's cover all angles of our knowledge and expertise!  Learn how to complete your initial interview and structure of a P&L loan for a self employed borrower.#loanofficertraining #profitandloss #loanofficerlife #mortgageloanoriginator #mortgageloanofficer The Mortgage Calculator Loan Officer Training Series covers an in depth training for new and experienced MLOs on different loan types. Our program features a live demo to not only structure a loan, but also the specific setup of a loan file in an LOS system such as Encompass.Loan Officers for Unlimited Free Non-QM Leads & Trainings Join The Mortgage Calculator at https://themortgagecalculator.com/joinAbout The Mortgage Calculator:The Mortgage Calculator is a licensed Mortgage Lender (NMLS #2377459) that specializes in using technology to enable borrowers to access Conventional, FHA, VA, and USDA Programs, as well as over 5,000 Non-QM mortgage loan programs using alternative income documentation! Using The Mortgage Calculator proprietary technology, borrowers can instantly price and quote thousands of mortgage loan programs in just a few clicks. The Mortgage Calculator technology also enables borrowers to instantly complete a full loan application and upload documents to our AI powered software to get qualified in just minutes!Our team of over 350 licensed Mortgage Loan Originators can assist our customers with Conventional, FHA, VA and USDA mortgages as well as access thousands of mortgage programs using Alternative Income Documentation such as Bank Statement Mortgages, P&L Mortgages, Asset Based Mortgage Programs, No Ratio CDFI Loan Programs, DSCR Investor Mortgages, Commercial Mortgages, Fix and Flip Mortgages and thousands more!Our Mortgage Loan Originators are trained to be loan consultants to guide borrowers throuCatch all the episodes of the Loan Officer Training Podcast at https://themortgagecalculator.com/Page/Loan-Officer-Training-Series-Podcast Catch all the episodes of the Loan Officer Training Podcast at https://themortgagecalculator.com/Page/Loan-Officer-Training-Series-PodcastLoan Officers for Unlimited Free Non-QM Leads & Trainings Join The Mortgage Calculator at https://themortgagecalculator.com/joinThe Mortgage Calculator is a licensed Mortgage Lender (NMLS #2377459) that specializes in using technology to enable borrowers to access Conventional, FHA, VA, and USDA Programs, as well as over 5,000 Non-QM mortgage loan programs using alternative income documentation! Using The Mortgage Calculator proprietary technology, borrowers can instantly price and quote thousands of mortgage loan programs in just a few clicks. The Mortgage Calculator technology also enables borrowers to instantly complete a full loan application and upload documents to our AI powered software to get qualified in just minutes! Our team of over 350 licensed Mortgage Loan Originators can assist our customers with Conventional, FHA, VA and USDA mortgages as well as access...

In this episode, Emmanuel St. Germain shares insider tips on how to help your buyers score a great deal in the current market. The savvy mortgage expert discusses programs and incentives, like 2-1 buydowns, that can help your buyers secure a better interest rate. And if you're tired of chasing every shiny object in the industry, he's got some refreshing advice: go back to basics. Plus, he offers his take on renovation loans and when he thinks interest rates may finally drop. You can watch the video of RworldTalk podcasts at: RWorldVideos.com

With Thanksgiving right around the corner, I've started to think a lot about the things I'm think for. Of course, there's my family, great friends, and everyone that trusts me to help them with various aspects of financial planning. But another thing I'm obviously thankful for is my home. So, I figured this would be a great opportunity to discuss some key mortgage tips to think about when financial planning for people of different ages.   I'm excited to have Tim Kay, who is a branch manager at Guild Mortgage to help me review those mortgage tips on The Guided Retirement Show. We'll discuss mortgage tips for people looking to buy their first home, people who might be looking to buy a summer or winter home in retirement, and so much more.   In this podcast interview, you'll learn: How today's housing market compares to the Great Recession. When and when not to refinance your home. Mortgage tips to consider for people who are looking to buy their first home, second home, and so on. What is a HELOC (home equity line of credit)?     START PLANNING To get a full recap of today's conversation, including the biggest takeaways, transcripts, and links to all the resources mentioned, visit GuidedRetirementShow.com/76   Learn More about Retirement Planning Find out more about retirement planning and Barber Financial Group, by visiting BarberFinancialGroup.com

In this episode, co-hosts Kristina, Mike & Sharon talk with mortgage loan officer Pam Kimmel of New Washington State Bank about buying a home, down payments, credit scores, loan types and much more.The wedding is over and now the hunt is on for a new home. You'll want to tune in to this episode to familiarize yourself with mortgage loan terminology and to understand that a good loan officer will help you determine which loan best fits your situation.BY THE TIME YOU FINISH LISTENING, YOU'LL UNDERSTAND the different types of home loan programs available, the terminology used and why you and your spouse should be pre-approved before you start searching for a home.Will you and your fiance be purchasing a home together before or after the wedding? Share your responses with us and tag us on Facebook or Instagram @theringtheblingandallthethings While you're there, make sure you follow us @theringtheblingandallthethings so you can see behind the scenes where me, Mike & Sharon will take you from engagement to your wedding day and beyond with The Ring, The Bling & All The ThingsABOUT OUR GUEST: Pam Kimmel's career started in a credit department and from there, she went into finance.  Pam began her work with mortgage loans in 1995.  There have been many changes through the years but she truly enjoys helping people that are seeking to buy a home, refinance a home, buy a 2nd home or take equity out for home improvements. Pam likes for her clients to feel comfortable and knowledgeable of every step of the process.  She also enjoys educating clients on the process of building a home vs buying an already existing home and walking them through the process of a home that may need a lot of renovations.  Pam ensures her clients get the right loan to fit for their needs to achieve their goal.  Pam excels at working with first time home buyers and enjoys walking them through the steps and making the process as simple as possible to help though understanding the loan process.  Pam says that one of the most rewarding accomplishments that she can have as loan officer is to have past clients refer their friends and family to her.WEBSITE: https://www.secureloandocs.com/app/13237770Facebook: https://www.facebook.com/NewWashBankPlease note: This episode was originally recorded in April 2021. Please check with Pam for updated rates and information discussed in the episode. For more information on The Ring The Bling And All The Things:Website: https://www.ringblingallthethings.com/Facebook: https://www.facebook.com/theringtheblingandallthethingsInstagram: https://www.instagram.com/theringtheblingandallthethings/YouTube: https://www.youtube.com/channel/UCVEfTglDwhfMsdRFL_nFIzwTikTok: https://www.tiktok.com/@ringblingallthethingsConnect with hosts:Kristina StubblefieldWebsite: https://kristinastubblefield.com/