Podcasts about mortgage

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

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

In this conversation, Tom Dunkel shares his extensive experience in real estate, finance, and investing, particularly focusing on distressed mortgage debt and the nuances of the second position mortgage market. He discusses the importance of emotional equity in real estate transactions and his transition into other asset classes like self-storage and mobile home parks. Tom emphasizes the value of partnering with experienced individuals in new investment areas and highlights his approach to passive investing through Eagle Capital Investments.   Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:  Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership:  Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true 'white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright:  Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a "mini-mastermind" with Mike and his private clients on an upcoming "Retreat", either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas "Big H Ranch"? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform!  Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------

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

On today's episode, Editor in Chief Sarah Wheeler talks with Joe Tyrrell, CEO of Optimal Blue, about AI and whether it can really level the playing field in mortgage lending. Tyrrell has more than 25 years of experience in the mortgage, finance and technology industries, including serving as president of ICE Mortgage Technology. Related to this episode: Optimal Blue launches Virtual Economist for mortgage capital markets HousingWire | YouTube⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ More info about HousingWire To learn more about Trust & Will click here. The HousingWire Daily podcast brings the full picture of the most compelling stories in the housing market reported across HousingWire. Each morning, listen to editor in chief Sarah Wheeler talk to leading industry voices and get a deeper look behind the scenes of the top mortgage and real estate.

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

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

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

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

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

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

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

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

They paid off $45,000 of debt in months and didn't feel restricted doing it.In this final episode of Inside a Financial Plan, we review Rachel and Dion's progress since October - breaking down their budget using PocketSmith, selling down shares to reduce their mortgage, setting up a separate rental property account, restructuring KiwiSaver into a high-growth fund, upgrading insurance, and navigating the mindset shift from “grow at all costs” to building wealth with clarity and choice.This episode is proudly sponsored by PocketSmith: Big goals mean nothing without action. ⁠PocketSmith⁠ helps you track, plan, and stay accountable. Start today with 50% off your first two months.For more money tips follow us on:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Facebook⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions.

Send Us A Message! Let us know what you think.The New Zealand property market is showing signs of life, but the real story lies in the regional data and current mortgage trends. In this episode of New Zealand Property Insights, Paul and Debbie Roberts unpack the new Cotality Decoding 2026 Report and the record-breaking surge in bank switching.In this episode, Paul and Debbie cover:The 2026 Market Outlook: A deep dive into the latest Cotality report. While 71% of respondents expect house prices to rise in 2026, the data reveals a mood of cautious optimism rather than a massive boom. The hosts discuss the significant regional split, contrasting Canterbury's strong confidence against Wellington's lagging market.The Danger of "Free" Advice: Debbie explains why "free" financial plans from property companies are often designed purely to sell commission-based properties. She highlights why securing independent financial advice is crucial to ensure you aren't paying top dollar for an underperforming investment.The Great Bank Switch: In December 2025, a record-breaking $5.8 billion in lending was driven simply by borrowers switching banks to chase cashback deals. Paul and Debbie explore whether these cashbacks actually save money, warning investors about hidden break fees and clawback periods. They also share actionable tips on how to negotiate better rates with your current bank using a mortgage adviser.Whether listeners are looking to refinance or wondering where the property market is heading next, this episode cuts through the noise to provide the facts.Resource Links:

Send a textGreat to have Jeremiah back on the show for all things to so with Commercial Real Estate in Ontario What's going on with Condos Developmens?Has the Office Marker really taken off?What sort of Development Land Sales are going on?How are Warehouse Sales & Leasing performing?What's the Sweet Spot for Purpose Built Rentals?We cover all this & moreSupport the show

Amardeep Parmar from Bae HQ welcomes Jinesh Vohra, CEO & Cofounder of Sprive.Amardeep Parmar:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.linkedin.com/in/amardeepsparmar⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Jinesh Vohra: https://www.linkedin.com/in/jinesh-vohra/Sprive: https://www.linkedin.com/company/sprive-com/

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

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

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

Vlad goes cunty after eating a steak, talks about Bucks parties of the 2000s VS now, his first car, Wogs battling neighbours about 10mm of fence line & fasting publicly in 2026. DNA DISTILLERY (AWARD WINNING RAKIJA)Award winning Rakija company with immaculate celebratory beverages. Check out the entire range on the below websites, order a tasting pack or some of their flagship, amazing rakija today!https://www.dnadistillery.comCARDSTRIKE! Amazing Basketball cards, Michael Jordan memorabilia and everything collectable sports card buying and selling!!!https://www.cardstrike.com.auROYAL STACKS! (IMMACULATE BURGERS)Melbournes Greatest Burgers! Royal Stacks is a booming burger chain in Victoria with classic burgers, shakes and more, with a 90s vibe and high quality food! https://www.royalstacks.com.auMETROPOLITAN STONE (Kitchens, Cabinets, Laundry, All Cabinets)We have a combined 30 years experience in the cabinet making industry in Victoria! Everything from small projects to large projects!Benchtop change overs, Kitchen facilities, Kitchens, Laundries, Bathroom cabinets, T.V units, Wardrobes etc!MENTION: VLADContact: MATT 0425797488Matthew@metropolitanstone.com.auhttp://www.metropolitanstone.com.auORANGE LEGAL GROUP (Specialising in Property law for purchasing and selling, conveyancing, in-house Mortgage broker & Chartered Account! One stop shop for ALL property needs! Wrap! FREE Contract reviews for buyers before purchasing property!Mention VLAD!https://www.orangelegalgroup.com.auEmail: property@orangelegalgroup.com.auContact: mycousinvlad@gmail.comhttp://www.instagram.com/mycousinvladSend Vlad a Text MessageSupport the showBE GOODDO GOODGET GOOD

Ferenc shares several interesting recent client meetings. Many listeners will gain valuable financial insights.       1. An annual review with a client who received 20% return with their index annuity this past year.      2.A review with a client that invested in index annuities and high cash value policies in 2007, then guaranteed lifetime income later. Very interesting story through the Great Recession..      3. Planning meeting that potentially doubled income for retirement.   US household debt has hit new records. It has doubled in the past 20 years. This will likely lead to a weak economy, possibly a recession.    Average rent has declined in markets that are overbuilt. Some markets have dropped 20%. The Brookings Institute estimates there are 300,000 fewer people in the US than the previous year.This was the first time in 50 years that more immigrants left America than entered it. Brookings projects about 1,000,000 will leave in 2026. Rents will likely continue to decline.   Housing buyer demand has hit the lowest level on record. In 2005, the median income was $46,000 and the median house price was $184,000. In 2026, the median income is $59,000 while the median house price is $450,000. In 20 years, income increased 20% and house prices increased 150%.   Homebuilders continue to build new homes. The number of unsold completed new homes have hit the highest level since 2011. Building permits hit a five month high. Despite increased inventory, homebuilders are continuing to build. Home prices are likely to continue to decline.   Realtor.com states one of the following needs to occur for homebuyer demand to return:      1. Mortgage rates fall to 2.65%.    2. Household incomes rise 56% to a median of $132,171.    3. Median home prices drop 35% to a median of $273,000.

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

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

Owning a home is supposed to bring stability, but for many Canadian households, the numbers are getting harder to manage. Mortgage renewals at higher rates, unexpected repairs, and rising day-to-day costs can quietly shift a manageable situation into one that no longer works. This conversation explores the early warning signs that homeownership may be becoming unsustainable, including relying on credit to cover housing costs or delaying necessary maintenance. It also looks at practical options homeowners can consider before things become urgent, and why acting early can help preserve both financial control and home equity. (00:00) Owning a home but struggling to afford it (03:05) Mortgage renewals, repairs, and rising housing costs (05:20) The early warning signs that affordability is breaking (08:10) Borrowing to stay housed - why that's a red flag (10:02) The emotional resistance to selling a home (13:05) Why timing matters and protecting your equity (15:10) Downsizing vs. selling and renting (17:45) What happens if you fall behind on mortgage payments (20:05) Talking to your lender and possible relief options (22:30) When homeowners should consider insolvency solutions (25:00) Can you keep your house in a consumer proposal or bankruptcy?   What to do if your mortgage is in arrears? Subscribe to the monthly Debt Free Digest e-newsletter – Don't miss monthly gift card giveaways! Ontario Debt Relief Starting Point Free Budgeting Workbook Debt Relief Calculator Learn more about Canadian debt relief on the Hoyes Michalos YouTube channel Disclaimer: The information provided in the Debt Free in 30 Podcast is for entertainment and informational purposes only and is not intended as personal financial advice. Individual financial situations vary and may require personal guidance from a financial professional. The views expressed in this episode do not necessarily reflect the opinions of Hoyes, Michalos & Associates, or any other affiliated organizations. We do not endorse or guarantee the effectiveness of any specific financial institutions, strategies, or digital tools/apps discussed.

Superintendent Larry Snelling joins David Hochberg to talk about the courage and dedication of officers like Juan Alba-Chavez, who was shot six days on the job yet remains willing to make the ultimate sacrifice to keep the city safe. He highlights how much it means to Chicago police officers to see the support from listeners […]

In Order of Appearance: David Hochberg is joined in studio by 19th Ward Alderman Matt O'Shea and Chicago Police Memorial Foundation Executive Director Maureen Biggane to host this year's sixth annual Vest-a-thon. The show begins with Chicago Police Memorial Foundation Executive Board President Sandra Wortham, who shares the story of her brother, Chicago Police Officer Thomas E. Wortham IV, […]

Send a textWelcome to Safe Dividend Investing's Podcast # 263 on February 21st of 2026. My name is Ian Duncan MacDonald, and I am an author of 7 investment books. My seventh investment book, Achieving Financial Independence Safely - 200 NYSE Stocks Analyzed and Scored" became available January 3rd on Amazon. You can easily find it by searching in Amazon or Google for "Ian Duncan MacDonald books". How much thought have you put in choosing the bank where you deposit your money? What bank stocks have you chosen to invest in? A quick Google query as to your bank's ratio of uninsured deposits is either going to reassure you or concern you. Those banks reporting a ratio greater than 50% in uninsured deposits to total deposit have an elevated risk. Bank failures can occur just like they did in 2008 when cheap credit and a failure to determine the credit worthiness of home buyers created an inflated housing bubble. When that bubble burst home buyers lost their mortgage deposits and homeowners saw the equity in their houses disappear.  Business and consumer bankruptcies and foreclosures spiked. Mortgage-backed securities failed resulting in a recession leading to the Lehman Brothers bank failure. This was the largest bank failure in US history. In today's podcast we examine the 5 safest banks in North America and the 5 largest banks in North America.Ian Duncan MacDonald Author and Commercial Risk Consultant,President of Informus Inc 2 Vista Humber Drive Toronto, Ontario Canada, M9P 3R7 Toronto Telephone - 416-245-4994 New York Telephone - 929-800-2397 imacd@informus.ca

If you're declaring yourself as the bank of mum and dad, you'll need to have some conversations with your children about what they can afford - and what happens if that changes. LISTEN ABOVESee omnystudio.com/listener for privacy information.

Karen & Janet invite Joe Parisi in-studio to give his expert advice on when to refi, and understanding what "rate drop" offers you the best savings on your mortgage.  Joe also talks about the many home loan programs that are available, he finds the one that fits you best. Joe also has loans that can get you in with zero down!  Other topics covered include tax advantages in home ownership including the write-offs that are available to home owners!  Karen & Janet also chat about homes in Ventura County that are available for rent and for purchase.  Download this incredible podcast today!

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

Imagine your house falling apart before your mortgage is even up. Unfortunately, this could become a reality for many homeowners. Homes are being built faster, bigger, and with lower-quality materials than they were 50 years ago. Today, Paul shares the devastating consequences when builders cut corners using materials and methods that aren't built to last and homeowners don't do their due diligence. Later in the episode, Paul does the work for you and looks through the disclosures Yrefy hides at the end of their TV ad. The disclosures clearly state that the investments are high-risk and untradeable, and liquidity is not guaranteed — even though the ad says otherwise. Paul warns, “Read the fine print yourself.” You won't regret it.    Want to cut through the myths about retirement income and learn evidence-based strategies backed by over a century of data? Download our free Retirement Income Guide now at paulwinkler.com/relax and take the stress out of planning your retirement.   This material is for general educational purposes only and is not personalized investment, financial, tax, or legal advice. Past performance does not guarantee future results. Nothing here is an offer, solicitation, or recommendation for any security or strategy. All financial decisions involve risk, and you should consult qualified professionals before acting on this information. Advisory services offered through Paul Winkler, Inc., an SEC-registered investment adviser.

What happens when your life insurance application gets declined?In this episode, Ed shares the honest reason his life insurance was turned down – and the surprising process that most Kiwis don't realise sits behind getting properly covered.You'll learn:The real reason Ed's life insurance was postponedWhat “underwriting” actually involves What to do if your insurance is declined, postponed, or comes back with exclusionsIf you own property, have debt, or want to protect your family properly, this episode explains what really happens behind the scenes ... and why sorting your insurance early matters.Don't forget to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠create your free Opes+ account and Wealth Plan here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.For more from Opes Partners:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Sign up for the weekly Private Property newsletter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠TikTok⁠⁠⁠

Nick & Dan are joined by Tania Bourassa-Ochoa, Deputy Chief Economist at CMHC, who authored the recent report on the mortgage renewal wave. Over 1.5 million Canadians have already renewed at higher rates, with another million coming. While Toronto arrears have quadrupled, nationally only 0.25% of mortgages are in arrears. 1.5 million households renewed, 1 million more coming — the largest renewal wave in modern Canadian history⁠⁠​ Toronto and Vancouver are most stressed, particularly pandemic buyers, but most Canadian homeowners are still paying⁠⁠​ Despite rising arrears, only 0.25% of mortgages nationally are in arrears — this isn't a nationwide housing collapse⁠⁠ Try it NordVPN risk-free now with a 30-day money-back guarantee! Use our code "realestate" to get 4 extras months from a 2 years plan Exchange-Traded Funds (ETFs) | BMO Global Asset Management VANCOUVER MULTIPLEX EVENT TICKETS LISTEN AD FREE Realist.caSee omnystudio.com/listener for privacy information.

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

I'm welcoming back one of your favorite guests and one of mine, divorce mortgage specialist Tami Wollensak, because we need to talk about the house. Specifically… what actually happens to it in divorce and what your real options are. Mortgage rules have shifted, interest rates have changed, and the questions I hear from clients all the time still come back to the same thing:  Can I keep the house?  Should I keep the house?  Is it even possible? Tami and I walk through the realities behind keeping the marital home, including what people misunderstand about ownership, how mortgage assumption actually works, and why the emotional pull to keep it has to be balanced with long-term financial stability. We also talk about what happens when plans fall through, how to build backup strategies into your agreements, and why sometimes the smartest move is stepping back instead of fighting to stay. This conversation walks through the real financial and legal realities of what happens to the house in divorce. Because wanting the house and being able to keep the house are not always the same thing. What you'll hear about in this episode: The biggest misconception about "wanting to keep the house" (2:18) What mortgage assumption means and why you must ask the right questions (8:32) Why home ownership isn't always the healthiest financial decision after divorce (23:14) What happens when a mortgage assumption falls through and how to recover (41:32) Resources & Links: Assessing Change WorksheetGet Your Curated Podcast PlaylistFocused Strategy Sessions with Kate The Divorce Survival Guide Resource BundlePhoenix Rising: A Divorce Empowerment CollectiveKate on InstagramKate on FacebookKate's Substack Newsletter: Divorce Coaching Dispatch The Divorce Survival Guide Podcast Episodes are also available YouTube! Seven Step Mindset Reset for Divorce  Tami's Website Episode 204: Take or Leave the House? With Tami Wollensak =================== DISCLAIMER:  THE COMMENTARY AND OPINIONS AVAILABLE ON THIS PODCAST ARE FOR INFORMATIONAL AND ENTERTAINMENT PURPOSES ONLY AND NOT FOR THE PURPOSE OF PROVIDING LEGAL OR PSYCHOLOGICAL ADVICE.  YOU SHOULD CONTACT AN ATTORNEY, COACH, OR THERAPIST IN YOUR STATE TO OBTAIN ADVICE WITH RESPECT TO ANY PARTICULAR ISSUE OR PROBLEM. =================== Episode link: https://kateanthony.com/podcast/episode-357-the-truth-about-mortgage-assumptions-with-tami-wollensak/  

Ray Dalio's Davos comments aren't a “next-week collapse” call—they're a long-cycle warning: rising debt supply can eventually force higher yields and tough policy trade-offs. Meanwhile, the S&P 500 looks calm on the surface, but sector/factor dispersion and low correlations show a fierce rotation under the hood. Lance Roberts & Michael Lebowitz examine the calm index ≠ calm market—watch dispersion and correlations for the next regime shift. Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Portfolio Manger, Michael Lebowitz, CFA Produced by Brent Clanton, Executive Producer 0:00 - INTRO 0:19 - Economic Reports Show Benefits of AI Data Centers 5:17 - Why The Dow Jones Index Matters Now 9:20 - WalMart Quarterly is Proxy for Staples 12:30 - Why WalMart Valuation Matters 15:53 - Periods of Rolling Bubbles 19:45 - Has AI Cap-ex Already Been Priced-in? 22:20 - The Value-Growth Rotation 24:01 - Fed Meeting Minutes Recap 26:57 - Debunking Dalio 33:13 - Dealing with Negative, Doom & Gloom Headlines 37:10 - Mortgage-backed Bond Exposure 41:18 - Could the Yield Curve Flatten? 43:09 - Is Kevin Warsh just Jerome Powell 2.0? 44:19 - Avoid Worrying About Things Out of Your Control ------- Register for our next Candid Coffee, 2/21/26: https://streamyard.com/watch/Wq3Yvn9ny5GV ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/mippkxiCJQI ------- Articles Mentioned in Today's Show: "Calm Market Waters Hide Fierce Undercurrents" https://realinvestmentadvice.com/resources/blog/calm-market-waters-hide-fierce-undercurrents/ "AI Bubble: History Says Caution Is Warranted" https://realinvestmentadvice.com/resources/blog/ai-bubble-history-says-caution-is-warranted/ "Market Sector Review: Extreme Market Bifurcation" https://realinvestmentadvice.com/resources/blog/market-sector-review-extreme-market-bifurcation/ ------- Watch our previous show, "Q&A Wednesday: Markets, Money, and Your Questions" here: https://youtube.com/live/3xyx42x5s44 -------- The latest installment of our new feature, Before the Bell, "Dow Streak Signals Pullback ," is here: https://youtu.be/zor3I7w1wLA ------- Visit our E-book Library (no library card required!) https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #SP500 #DowJones #TechnicalAnalysis #InvestingStrategy #RayDalio #Davos #MarketRotation #SP500 #RiskManagement

In this episode of the Real Estate Pros podcast, host Micah Johnson speaks with Danielle Anderson, a mortgage lender and house hacker based in Denver, Colorado. They discuss the concept of house hacking, its benefits for first-time home buyers, and how it can serve as a stepping stone into real estate investing. Danielle shares her journey from working in food sales to becoming a lender, emphasizing the importance of education and preparation for aspiring investors. The conversation includes real-life examples of how house hacking can make home ownership more affordable and accessible, as well as the various strategies and resources available to help individuals get started in real estate.   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 conversation, Timothy Redifer discusses his extensive experience in the real estate industry, focusing on home rehabilitation financing through programs like FHA 203K. He highlights the evolution of technology in real estate, the importance of building relationships, and effective marketing strategies in today's digital age. Timothy emphasizes the significance of community support and networking in achieving success in the real estate business.   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   —--------------------

Ray Dalio's Davos comments aren't a "next-week collapse" call—they're a long-cycle warning: rising debt supply can eventually force higher yields and tough policy trade-offs. Meanwhile, the S&P 500 looks calm on the surface, but sector/factor dispersion and low correlations show a fierce rotation under the hood. Lance Roberts & Michael Lebowitz examine the calm index ≠ calm market—watch dispersion and correlations for the next regime shift. Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Portfolio Manger, Michael Lebowitz, CFA Produced by Brent Clanton, Executive Producer 0:00 - INTRO 0:19 - Economic Reports Show Benefits of AI Data Centers 5:17 - Why The Dow Jones Index Matters Now 9:20 - WalMart Quarterly is Proxy for Staples 12:30 - Why WalMart Valuation Matters 15:53 - Periods of Rolling Bubbles 19:45 - Has AI Cap-ex Already Been Priced-in? 22:20 - The Value-Growth Rotation 24:01 - Fed Meeting Minutes Recap 26:57 - Debunking Dalio 33:13 - Dealing with Negative, Doom & Gloom Headlines 37:10 - Mortgage-backed Bond Exposure 41:18 - Could the Yield Curve Flatten? 43:09 - Is Kevin Warsh just Jerome Powell 2.0? 44:19 - Avoid Worrying About Things Out of Your Control ------- Register for our next Candid Coffee, 2/21/26: https://streamyard.com/watch/Wq3Yvn9ny5GV ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/mippkxiCJQI ------- Articles Mentioned in Today's Show: "Calm Market Waters Hide Fierce Undercurrents" https://realinvestmentadvice.com/resources/blog/calm-market-waters-hide-fierce-undercurrents/ "AI Bubble: History Says Caution Is Warranted" https://realinvestmentadvice.com/resources/blog/ai-bubble-history-says-caution-is-warranted/ "Market Sector Review: Extreme Market Bifurcation" https://realinvestmentadvice.com/resources/blog/market-sector-review-extreme-market-bifurcation/ ------- Watch our previous show, "Q&A Wednesday: Markets, Money, and Your Questions" here: https://youtube.com/live/3xyx42x5s44 -------- The latest installment of our new feature, Before the Bell, "Dow Streak Signals Pullback ," is here: https://youtu.be/zor3I7w1wLA ------- Visit our E-book Library (no library card required!) https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #SP500 #DowJones #TechnicalAnalysis #InvestingStrategy #RayDalio #Davos #MarketRotation #SP500 #RiskManagement

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

Another drop in mortgage rates in the U.S. AP correspondent Alex Veiga has the latest.

HousingWire brought leading housing economists and capital markets experts to Dallas for the Housing Economic Summit with one goal: translate charts and forecasts into what actually matters for professionals trying to close deals every day. In this episode, John Toohig of Raymond James breaks down whole loan trading—the buying and selling of unsecuritized mortgages—and explains why understanding liquidity on the back end is now just as important as originating the loan itself. As originators adjust to life after the 2021–2022 refinance boom, John outlines where the real opportunities are today: HELOCs, second liens, ARMs, and purchase loans—especially in a market full of “trapped equity.” He also explains why mortgage credit is historically clean (perhaps too clean), why banks are re-entering the ARM market, which loan types are hardest to sell in the secondary market, and what separates lenders who consistently move loans from those who struggle with due diligence. For originators, capital markets teams, and executives navigating 2026, this episode turns macro signals into actionable insight. Here's a glimpse of what you'll learn: Whole loan trades are faster and simpler than securitization HELOCs and second liens represent major opportunity amid trapped equity Banks are returning — especially in ARMs Credit is extremely “clean,” perhaps tighter than necessary Organized files and disciplined underwriting drive repeat investor demand Related to this episode: John Toohig's Bio John Toohig's LinkedIn The Power House podcast brings the biggest names in housing to answer hard-hitting questions about industry trends, operational and growth strategy, and leadership. Join HousingWire's Zeb Lowe every Thursday morning for candid conversations with industry leaders to learn how they're differentiating themselves from the competition. Hosted and produced by the HousingWire Content Studio.

A new study is challenging one of the biggest narratives around tariffs — and the implications could directly affect inflation, interest rates, and your real estate portfolio. Research from the Federal Reserve Bank of New York finds that Americans are paying nearly 90% of recent tariffs, not foreign exporters. In other words, higher import taxes are largely flowing through to U.S. consumers and businesses. Why does that matter? Because when prices rise, inflation stays elevated. And when inflation runs hot, the Federal Reserve may delay rate cuts — keeping mortgage rates higher for longer. In this episode, Kathy Fettke breaks down what the data actually says, how tariffs influence Fed policy, and what it means for borrowing costs, housing demand, and real estate investors in 2026.

On episode 210 of Ask The Compound, Ben Carlson discusses buying a house for 5-10 years, paying down your mortgage vs investing, when to pause your DCA, house wealth, investing abroad and more. Submit your Ask The Compound questions to askthecompoundshow@gmail.com  This episode is sponsored by Public. Find out more at https://public.com/ATC

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

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

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