Podcasts about mortgage

#314UK mortgage rates are rising even as the Bank of England holds. Bridging lenders are embracing automated valuations. And a potential overhaul of stamp duty and council tax is being discussed at government level.In this month's Mortgage Monday, the Expat Property Guy and Shaz Ahmed of Elan Property Finance unpack what's actually moving in UK property finance right now. And what it means for expat and overseas investors (and UK based investors too!Check out our shorts on YouTubeOur WhatsApp  groupProperty Engine discounts (Code: EXPAT)Starter: 30 day trialPro: 30 day trial/3 mths 1/2 price, Ultimate: 1/2 price 3 monthsGoalsettingLeave a review37 Question Due Diligence Checklist / Auction GuideOur Sponsors: Finnigan McNeill Property GroupWe discuss:Bank of England holds at 3.75% — but mortgage rates keep climbingThe MPC voted 6-3 to hold the base rate at 3.75%, with three members pushing for a rise to 4%. That's a shift from last month, when only one member voted for an increase. Shaz explains why this matters: swap rates — not the base rate — drive mortgage pricing, and they've been creeping up due to sticky inflation, higher funding costs, and geopolitical uncertainty. Several lenders pulled products this month with little notice, repricing upward by around 0.25%. The Bank of England base rate and your mortgage rate are not as connected as most people assume.If you're weighing whether to fix now, Shaz's view is that rates are more likely to rise before they fall — and when they do eventually come down, history suggests they won't return to previous lows.Mortgage approvals are up — but the market still feels sluggishBank of England data shows mortgage approvals increased in June. Lenders have money to deploy and they need to lend it. But affordability pressures, cost of living, and slower conveyancing mean many buyers are hesitating. Residential brokers are busier, but chains are taking longer.Lenders are getting creative — including 100% mortgagesBanks and building societies are relaxing affordability rules and packaging products differently to help buyers onto the ladder. At least one lender has launched a genuine 100% mortgage for residential buyers. Shaz's view: the risk of negative equity in the current market makes this a concern worth taking seriously, regardless of what lenders say on paper about affordability.Mortgages cheaper than rent: Middlesbrough, Burnley, Merthyr TydfilA recent analysis found mortgage payments are cheaper than rental costs across significant parts of the UK. The top three locations: Middlesbrough, Burnley, and Merthyr Tydfil. The catch, of course, is the deposit. The bank of mum and dad remains one of the UK's largest lenders.Stamp duty and council tax: could they be replaced by an annual property charge?While it's only a proposal at this stage, it's gained enough traction to be worth understanding. The idea: replace stamp duty and council tax with an annual charge of 0.48% of property value for residential owners, and double that for investment properties. For landlords, that increased cost is likely to flow straight through to tenants.The conversation also covers the parallel proposal to align England's conveyancing process with Scotland's earlier exchange system — reducing gazumping, speeding up chains, and giving both buyers and sellers more certainty earlier. Shaz confirms that Scottish transactions do move materially faster.Bridging finance: automated valuations are changing the speed and cost equationOne of the most practical updates in this episode for active investors: bridging lenders are increasingly comfortable with AVMs — automated valuations based on Rightmove and public data — rather than requiring a full physical survey. The difference is significant. A physical valuation can cost up to £1,000 and take two weeks. An AVM costs around £35 and turns around in a day. Lenders may request internal photos to confirm the property isn't a building site, but the direction of travel is clear.The 6-month refinancing rule: it's not as rigid as you thinkA question Shaz gets regularly from newer investors: do I have to wait 6 months after purchase before I can refinance? The short answer is no — there are now enough lenders, at competitive rates, who will refinance within 6 months of ownership at full value, provided you have evidence of works carried out: invoices, schedule of works, bank statements.Foundation Home Loans goes further: their written policy allows day-one refinancing for auction purchases bought with cash or bridging, even without renovation, recognising that auction buyers may have secured a genuine below-market purchase.One important caveat on anti-money laundering: if your deposit came from a private third-party investor acting as an informal bridger, lenders will not be comfortable within 6 months. Bridging finance is different — the bridging lender will typically have conducted AML checks on the investor already.

Diving into the letters John D. Rockefeller wrote to his son.-----Sources:The 38 Letters From J.D. Rockefeller to his sonTitan - Ron Chernow-----4:30 - Your destiny is determined by your actions10:00 - Self-control and discipline11:25 - Planning luck is planning life13:34 - Work as a key to happiness16:15 - Does it keep you up at night17:35 - Don't be a passive person20:00 - Mortgage for the future21:25 - On failure25:05 - Belief is necessary31:17 - Excuses are the source of failure32:55 - Attitude determines achievements34:10 - Greed is necessary36:50 - Keys to wealth41:45 - The importance of self-reflection46:35 - Two types of people to avoid49:50 - The peace of conscience is the only reliable reward.

What happens when a Licensed Insolvency Trustee gets five minutes to tell Parliament what's really happening with debt in Canada? Doug Hoyes shares his firsthand experience testifying before the House of Commons Standing Committee on Finance, explaining why Canadians are taking longer before reaching a financial breaking point, how affordability challenges are changing the nature of debt, and why issues like CRA repayment demands continue to push some people toward insolvency. The conversation also explores the growing divide between homeowners and renters, debt layering, and why insolvency is often a lagging indicator of financial stress. Get a firsthand look inside Parliament and discover what Canada's debt trends could mean for the future of household finances. 01:02 Being invited to testify before Parliament 03:18 Inside the House of Commons committee process 06:18 The three messages presented to MPs 08:50 Why financial collapse now takes years 10:32 What MPs asked during the hearing 13:30 CRA repayment demands and consumer bankruptcies 16:12 Why the same CRA issues remain after 18 years 18:10 Affordability, rising costs, and structural debt problems 22:05 Debt layering: how Canadians stay afloat until they can't 24:15 Homeowners vs. renters: a growing financial divide 26:05 Mortgage renewals and what's coming next 29:15 Doug's biggest takeaway from testifying before Parliament 31:45 Why real financial stress isn't reflected in the headlines

Featured on WGN Radio's Home Sweet Home Chicago on 08/1/26: Rose Pest Solutions' Marketing Director Janelle Iaccino, A.K.A. ‘The Bug Girl,' talks wasp nests and how they can make a deck unusable. Janelle also talks about the quarterly maintenance program that can help keep your property pest-free year-round. To learn more about Rose Pest Solutions and […]

Featured on WGN Radio's “Home Sweet Home Chicago” on August 1, 2026:  IRS Tax Attorney Steven A. Leahy of the Law Office of Steven A. Leahy, PC, with Opem Tax Advocates, talks about all the rules you want to know about when it comes to tax on tips, mandatory gratuities, overtime pay, and NIL income for student […]

Featured on WGN Radio's Home Sweet Home Chicago on 08/1/26: Dave Schlueter of the Law Offices of David R. Schlueter joins the show to talk about “seller’s remorse,” and what’s in play when a higher offer comes in on a home after it’s already in contract. To learn more about what Dave Schlueter can help you with, […]

This week on Home Sweet Home Chicago, David Hochberg is joined by  Rose Pest Solutions' Marketing Director Janelle Iaccino, A.K.A. ‘The Bug Girl,' talking wasp nests, IRS Tax Attorney Steven A. Leahy of the Law Office of Steven A. Leahy, PC, with Opem Tax Advocates, talks about all the rules you want to know about when it comes […]

Join Michael Harris, Mortgage Loan Originator #233410 with United Mortgage Corporation of America, for this week's episode of Your Real Estate Life as we explore how smarter real estate and mortgage decisions can help create a stronger financial future. In today's changing market, success is not just about finding the lowest interest rate, it is about having the right strategy. We'll discuss building wealth through homeownership, understanding equity, improving cash-flow management, the Money Max Account strategy, mortgage planning, investment property financing, HELOCs, reverse mortgage options, and how buyers and homeowners can prepare for future opportunities. Whether you are a first-time buyer, current homeowner, real estate investor, or planning for retirement, this educational program will help you better understand how real estate can become an important part of your overall financial blueprint. Listen Saturday at 9:00 AM on Fox Sports Ventura 1590 AM and 97.9 FM KVTA, streaming on KVTA.com, or watch YouTube at Your Real Estate Life with Michael Harris.

Farnoosh recaps a webinar on navigating money conversations with loved ones, then dives into the week's financial news: the Fed holding rates steady, what Apple and Microsoft earnings mean for your index funds, and a landlord's "work from home fee." Then, she tackles two big listener questions: how to find and pay for a financial planner (flat fee vs. retainer vs. AUM, and what "fee-only" really means), and why a perfect credit score doesn't guarantee you the lowest mortgage rate. Learn more about Farnoosh's upcoming literary workshop Book to Brand. Early bird registration is now open! Hosted on Acast. See acast.com/privacy for more information.

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According to a recent ASIC report, millions of Australians rely on mortgage offset accounts to reduce the cost of their home loan, but an ASIC review has found customers may have been unknowingly paying more interest than they should because some banks failed to properly manage offset accounts. That’s because banks have not been delivering … Continue reading "Robbed Again: Banks Behaving Badly Making Mortgages More Expensive!"

In her low moments and in the midst of the day-to-day struggle, Mary Lynn Huizinga has seen the love that God has for her. On episode #492 of “Let's Talk Money with Dave and Reb”, the cohosts take time to listen to a story of provision, hospitality, and how God continues to bless us in many different stages of life. Whether it's through a piece of jewelry that fits just right, or food that is generously offered in times of hunger, Mary Lynn's story shows God's provision and love for us. Today's episode is sponsored by the Canadian National Christian Foundation which helps Canadians connect God's money with God's work. Through their Donor-Advised Funds, CNCF makes giving simple and impactful, so you can focus on supporting the causes that matter most. Learn more about how they can help you CNCF.ca To order Reb's book Cultivating Trust Expanded Edition: Finding God's Hope and Freedom for Your Finances, go to https://www.amazon.ca/dp/1998412164/ref=sr_1_3?crid=XUVAMAN0TFEY&dib=eyJ2IjoiMSJ9.8x0mkzEbAurMet_Q02DjC1uI9_HBqWQlnPySUgf62Ik9smNv5IQUJVSYBOXp4dhvsmfU3vzJivqJWwrvkTfyLe4uDWay18JChGQ1QWENY4FXHjdhLEkWMLQT8BHP9Lz18vRbIHFrvkyO6ocnHFx7rS2jtZ7WVzmIhw0U7cFRtGtRdvaw7gj3W2qigq_7EBTDZBOEfMVxxeuk405kn921-o-irE3XdWX2KrJ8e0G9W1usTiTi2j-EANx4MC_ygttzlzwj_1qmQC8MCk5LxF6jXTDr1ETe1v3O1q5o0rO4H2g.pybaC103ktXcDYR0puZtPXOBpswpMjPmU0vYc-KTAnc&dib_tag=se&keywords=cultivating+trust&qid=1732127878&sprefix=cultivating+trust%2Caps%2C117&sr=8-3. #morethanenough #finances #money #financialfitness #provisionstory

In this episode, Michael Rosenblum shares his insights on mortgage lending, product flexibility, industry challenges, and future opportunities, offering valuable advice for aspiring loan officers and real estate professionals.   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   —--------------------

The AP's Alex Veiga reports on rising mortgage rates.

The Home Upgrades That Cost Sellers Thousands and Your questions answered!

Paul reads a message from a listener about how frustrating it is dealing with the rules for mortgages while also dealing with spiralling bids from other buyers and puts the points to Joey Sheehan from mymortgages.ie Hosted on Acast. See acast.com/privacy for more information.

Natalie Cheesman, Partner at St. James's Place, joins Sam Oakes to talk about how she built a financial planning practice to £6 million in funds under management in 18 months, without ever fully stepping away from the mortgage business she'd run for 15 years. In this episode, Natalie explains why a transactional mortgage career, however loyal her 1,200-client bank was, left her wanting something more predictable, and what it actually took to build financial planning on top of it rather than instead of it.Natalie talks through passing the CII Investment Advice Diploma in under a year while still running that mortgage business solo, and training through the St. James's Place Academy while continuing to submit mortgage applications in the evenings and on breaks. She describes the support that got her through those first months as a new financial planner, including a business development manager she'd sometimes speak to daily and an administrative specialist who had her submitting business from day one, and how she methodically worked back through her existing client bank and added mortgage-introducer partnerships to grow from £40,000 to £6 million in funds under management through organic growth alone.She also talks about the moment a client realises they can retire years earlier than they thought, what it took to keep building a business through a genuinely hard period in her own life, and what winning the Mike Wilson Award meant to her after 18 months of work.Key takeaways from this episode:Why Natalie kept her mortgage business running while training as a financial plannerHow she passed the CII Investment Advice Diploma in under a year while running that business soloWhat day-to-day support from a St. James's Place business development manager and administrative specialist looked likeHow she rebuilt momentum with her existing 1,200-client mortgage bankHow a mortgage-introducer partnership became a steady source of new businessHow she grew from £40,000 to £6 million in funds under management in 18 monthsWhat winning the Mike Wilson Award meant to her, and the resilience behind itThis is an episode for mortgage advisors weighing up whether financial planning is the right next move for them, and for newer financial planners looking for a practical blueprint on client conversion and introducer relationships.Learn more about St. James's Place at www.sjp.co.uk Financial Planner Life is sponsored by Redmill AdvanceWhether you're starting out, already qualified, or building a training academy, Redmill Advance delivers expert-led learning, exam support and CPD from Level 4 to Chartered.✅ Trusted by top UK firms

Have you ever felt the crushing weight of looking at your monthly bank statement and realizing your childcare bill costs more than your housing? It is a staggering reality facing modern families, but why is a system so crucial to our society treated like a personal luxury instead of essential infrastructure? In this episode, I sit down with working mom and leading childcare advocate Paige Connell to pull back the curtain on the skyrocketing costs and systemic failures of American childcare. Paige shares her viral journey of transparency, explains how the math of the current system forces women out of the workforce, and dismantles the oversimplified myths about simply relying on family or grandparents for help. The Viral Truth: Why breaking the taboo of discussing exact childcare costs resonated with millions of families online. The Sneaky Reality of Public School: Why childcare stress doesn't end at kindergarten and the hidden shock of summer camps and school breaks. The Real Economic Hit to Women: How temporary gaps in a career to handle childcare shortages cause permanent, long-term damage to women's salaries and retirement. Dismantling the Grandparent Narrative: Why relying on aging or working family members is a short-sighted and often dismissive answer to a policy problem. Childcare as Infrastructure: Why an economy built on capitalism is failing itself by pulling productive parents out of the workforce. How to Be "Squeaky": Tangible ways parents can advocate for changes within their corporate workplaces and local town levels. A Magic Wand Reform: Paige's three essential national shifts regarding paid leave, subsidized care, and workplace flexibility to completely transform family life. Connect with Paige Connell on Instagram @sheisapaigeturner and visit her site www.sheisapaigeturner.com/ 00:00 – Introduction & The Reality of Childcare Costs 02:18 – Page's Journey: Going Viral & Advocating for Change 03:48 – The Hidden Expenses: Beyond Preschool to Public School Years 05:07 – The Broad Financial & Emotional Impact on Families 07:54 – The Mental Load & Work Flexibility Challenges 09:23 – Dr. Mona Shares Her Personal Childcare Expense Story 11:15 – Disproportionate Effects on Women & Career Trajectories 13:58 – Why Alternative Care (Like Grandparents) Isn't Always the Answer 17:15 – Systemic Issues: Why America Lacks Childcare Infrastructure 19:24 – Logistical Nightmares: School Calendars vs. Work Hours 21:56 – Actionable Advice & Reassurance for Struggling Parents 24:34 – 3 Key Changes Needed to Fix the Childcare Crisis 27:14 – Closing Thoughts & How to Connect Our podcasts are also now on YouTube. If you prefer a video podcast with closed captioning, check us out there and ⁠subscribe to PedsDocTalk⁠. Get trusted pediatric advice, relatable parenting insights, and evidence-based tips delivered straight to your inbox—join thousands of parents who rely on the PDT newsletter to stay informed, supported, and confident. ⁠⁠⁠⁠Join the newsletter⁠⁠⁠⁠! Shop Dr. Mona's favorite products: https://shopmy.us/shop/pedsdoctalk (paid link) And don't forget to follow ⁠⁠⁠⁠@pedsdoctalkpodcast⁠⁠⁠⁠ on Instagram—our new space just for parents looking for real talk and real support. We love the sponsors that make this show possible! You can always find all the special deals and codes for all our current sponsors on the ⁠PedsDocTalk Podcast Sponsorships⁠ page of the website. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Rick Sharga, founder of CJ Patrick Company, discusses current housing market conditions and economic trends. Rick explains that despite mortgage rates tripling since the pandemic, the housing market has shown resilience with 49 consecutive months of year-over-year price increases, though sales volume remains down for three years. He noted that while affordability remains a challenge with a $40,000 wage gap for median-income buyers, recent data shows pending sales and mortgage purchase applications running ahead of last year, suggesting pent-up demand may soon drive market recovery. Rick highlighted that inflation concerns stem largely from energy price increases following the Iran conflict, and emphasized that wage growth continues to outpace home price growth, making affordability slightly better. He also discussed how builders currently face a 10-month supply of new homes while existing home inventory remains tight, creating opportunities for investors in both markets. EmpoweredInvestor.com/Ai EmpoweredInvestor.com/Ask Reach out to our Investment Counselors 1-800- HARTMAN Ext. 2 PropertyTracker.com https://cjpatrick.com #HousingMarket #RealEstateReset #MarketRecovery2027 #MortgageRates #HousingAffordability #EconomicGrowth #InflationWatch #HomePrices #RealEstateInvesting #PentUpDemand #SingleFamilyRentals #HousingInventory #JobMarket #GDP #StockMarket #HomeEquity #NewHomeConstruction #SunBeltRealEstate #CJPatrickCompany #DListing #CapitalGainsTax #ApartmentMarket #HousingStarts #EconomicOutlook   Key Takeaways: Jason's editorial 0:00 Updating my clone's virtual brain 6:10 Refi vs. HELOC   Rick Sharga Interview 14:34 GDP growth, stock market and inflation 23:20 Unemployment, job and wage growth 25:52 The housing market- single family and apartments 30:31 Mortgage rates and home prices 35:35 Price trends, inventory levels and the factors that show promise 37:26 Existing and new home sales 41:02 Housing starts are at a 5-year low 42:47 Closing thoughts  

On today's episode, Editor in Chief Sarah Wheeler talks with Lead Analyst Logan Mohtashami about his Fed day preview. Related to this episode: The Fed hawks are winning even without a rate hike HousingWire | YouTube⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ HousingWire AI Summit – August 11 HousingWire Mortgage Banking Summit – October 1 More info about HousingWire Top 5 Trending: The Fed hawks are winning even without a rate hike DFW's next suburban growth wave is forming west of Fort Worth New York City posts notice of new tax levy to pied-a-terre owners Mortgage servicers face higher costs from transfers and regulation Mortgage rates move closer to 7%, but housing demand holds up ahead of Fed meeting Want more from Sarah? Don't forget to subscribe! 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.

You saw the viral video about a $250 mortgage trick that drops your monthly payment by $500. You called your lender to set it up on your rental property. They told you no. Then they hung up. Every loan on your portfolio was disqualified from the recast. Nobody told you why.In this episode, Ryan breaks down exactly why the mortgage recasting trick does not work on rental property loans. Recasting is a conventional loan feature governed by the guidelines of Fannie Mae and Freddie Mac. DSCR loans, non-QM loans, bank statement loans, and portfolio loans do not follow those rules. Most do not offer recasting at all. If your broker mostly does owner-occupied loans, they are giving you conventional advice on a non-QM loan, and it is costing you.He walks through the four things you CAN do: principal curtailment with a payoff strategy, strategic refinance when the math supports it, interest-only restructures for narrow cases, and the rate buy-down move at your next refinance that permanently reduces your payment better than any recast.The episode closes with the framework rule and portfolio audit process every landlord should run this week: pull your loan statements, list every rental loan by rate, balance, payment, and loan type, then rank them from worst to best.The recasting video was designed for a homeowner with one mortgage on their primary residence. You are a landlord with a portfolio. The playbook is different.

Send us Fan Mail⚠️ Viewer discretion advised: This episode contains strong language and candid adult conversation.According to the 2026 agent-production chart referenced during this episode, approximately 84% of NAR-registered agents had closed zero transactions between January 1 and July 6, 2026, while approximately 97% had closed four transactions or fewer.So what is actually happening inside the real estate industry?In this unfiltered episode of RealEstateAF, Mark Jones sits down with three experienced San Antonio real estate brokers: Jeff Garza, Robert Saenz and Cesar Amezcua.The panel breaks down why so many agents are struggling, whether real estate has been incorrectly marketed as a side hustle and why simply changing brokerages rarely fixes the real problem.They also get brutally honest about:• Whether real estate licensing standards adequately protect consumers• Why experience and fiduciary responsibility still matter• Massive builder commissions and new-construction incentives• Finding the actual cash value of a new home• Why so many real estate contracts are falling apart• Performative social-media success and “I just capped” posts• The temporary excitement of changing brokerages• What real rainmaker activity actually looks like• Whether struggling agents are surrounded by the wrong people• When becoming a dual-licensed Realtor and loan officer makes sense• Better ways agents can create additional sources of income• Social-media boundaries, lead verification and agent safetyThis is not an attack on struggling agents. It is an honest conversation about the difference between holding a real estate license and building a sustainable professional real estate business.Statistics discussed in this episode are based on a chart displayed and referenced by the panel. RealEstateAF has not independently audited the underlying dataset.━━━━━━━━━━━━━━━━━━━━TODAY'S GUESTSJeff GarzaCEO and Broker, Redbird Realtyhttps://redbird-realty.com/Robert SaenzBroker, Xsellence Realtyhttps://www.xsellencerealtysa.com/Cesar AmezcuaOwner and Sponsoring Broker, CA & Company, REALTORS®https://cacompanyrealtors.com/━━━━━━━━━━━━━━━━━━━━CHAPTERS00:00 – Cold Open: Get Better Every Day00:32 – Introducing Jeff Garza, Robert Saenz and Cesar Amezcua02:46 – The 2026 Agent Chart: 84% Closed Zero Transactions08:00 – Real Estate Licensing Standards and Consumer Protection12:25 – Builder Incentives, New Construction and Fiduciary Duty24:37 – Failed Contracts and Performative Social-Media Success31:00 – Brokerage Hopping and the 60-Day Honeymoon50:26 – What Real Rainmakers Actually Do1:00:26 – The 84%, Top Producers and Dual Licensing1:16:45 – Agent Safety, Social-Media Boundaries and Final Takeaways━━━━━━━━━━━━━━━━━━━━POWERED BY LOANBOTRealEstateAF is powered by LoanBot — Smarter Mortgage Matching.Search LoanBot in the Apple App Store or Google Play.Affiliation disclosure: RealEstateAF host Mark Jones is a co-founder of and holds an ownership interest in LoanBot.LoanBot is an educational mortgage-matching and technology platform. It does not issue loan approvals, make underwriting decisions or provide a commitment to lend.━━━━━━━━━━━━━━━━━━━━CONNECT WITH MARKConsidering buying, refinancing or developing a mortgage strategy?Visit:https://MortgageTalkWithMark.comMark JonesBranch Manager and Senior Loan OfficerNMLS #513437iTHINK Mortgage powered by Premier Mortgage Resources, LLCNMLS #116924123 Boerne Stage Road, Suite 103San Antonio, Texas 78255Equal Housing Opportunity━━━━━━━━━━━━━━━━━━━━CHANNEL AND PODCAST DISCLOSUREThe information presented in this podcast is provided for general educational and entertainment purposes only. It is not legal, tax, financial, investment, real estate, accounting or individualized mortgage advice.Guests appear for informational and discussion purposes and speak on their own behalf. Their statements, opinions and experiences do not necessarily represent the opinions or policies of Mark Jones, RealEstateAF, iTHINK Mortgage, Premier Mortgage Resources, LLC, LoanBot or any affiliated organization.No compensation is paid or received in exchange for referrals, endorsements or podcast appearances. Nothing discussed during this episode should be interpreted as an agreement to refer settlement-service business or as a requirement to use any particular real estate broker, lender, title company, insurance company or other service provider.Mark Jones is a licensed mortgage loan originator. This content does not constitute an offer to extend credit or a commitment to lend. All loan programs, interest rates, terms, qualifying requirements and product availability are subject to change without notice. All financing is subject to application, credit review, property approval, underwriting approval and applicable investor or agency guidelines. Not all applicants will qualify, and not all products are available in every state.Mortgage examples discussed during the podcast may be hypothetical and may not reflect current interest rates, loan costs, property conditions or an individual borrower's eligibility.Premier Mortgage Resources, LLC is not affiliated with or acting on behalf of the United States government, HUD, FHA, VA, USDA or any other governmental agency.Mark Jones | NMLS #513437Premier Mortgage Resources, LLC | NMLS #1169Equal Housing OpportunityNMLS Consumer Access:https://www.nmlsconsumeraccess.org/━━━━━━━━━━━━━━━━━━━━TEXAS CONSUMER NOTICEConsumers wishing to file a complaint against a mortgage banker or a licensed mortgage banker residential mortgage loan originator should complete and submit a complaint form to the Texas Department of Savings and Mortgage Lending.Complaint forms and instructions may be obtained from the Department's website at:https://www.sml.texas.gov/A toll-free consumer hotline is available at 1-877-276-5550.The Department maintains a recovery fund to make payments of certain actual out-of-pocket damages sustained by borrowers caused by acts of licensed residential mortgage loan originators. A written application for reimbursement from the recovery fund must be filed with and investigated by the Department before payment of a claim. Additional information about the recovery fund is available through the Department's website.━━━━━━━━━━━━━━━━━━━━

What separates top closers from everyone else?In this conversation, Ace sits down with Brad Lea to discuss the habits, mindset, and philosophies that create consistent success in sales. They break down what it takes to become a top closer, how elite sales professionals approach challenges, and the lessons they've learned from years of experience.Whether you're new to sales or looking to sharpen your closing skills, this discussion offers practical insights that can help you improve your conversations, increase your confidence, and elevate your performance.Topics Covered:• Closing sales• Sales mindset• Becoming a top closer• Building confidence• Sales communication• Leadership• Personal growth• High-performance habitsSubscribe for more sales training, leadership development, communication strategies, and business growth content from Acez Academy.Support the show⚡READY TO BUILD A REAL CAREER IN SALES, MORTGAGES, OR LEADERSHIP?Apply here and choose your track. Already happy with your career? Grab the standalone products and trainings anytime inside the shop.

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

Whether you're downsizing, relocating closer to family, building a mother-in-law suite, or wondering if paying cash is really the best option, this episode is packed with practical advice for older adults and their families. Host Chris Johnson, Attorney and Partner at Johnson McGinnis Elder Care Law & Estate Planning, is joined by Anna Cook, Originating Branch Manager with CrossCountry Mortgage, to discuss the financial strategies that can help make housing decisions support your long-term goals. Together, they explore financing options for retirees, purchasing a home before selling your current one, multi-generational home buying, adding accessory dwelling units, and common mistakes to avoid during the downsizing process. If you're planning your next move—or helping an aging parent with theirs—this conversation offers valuable insights to help you make informed decisions with confidence.

Mortgage AI is already inside lender workflows, vendor platforms and employee tools.But if a regulator, investor or business partner asked where AI is being used, who owns the risk and how those decisions are governed—could your organization provide a clear answer?In this episode of the FinTech Hunting Podcast, Michael Hammond sits down with Brian Vieaux, President of MISMO, to examine the growing gap between AI adoption and responsible AI governance in the mortgage industry.They discuss:Why lenders need an inventory of every AI use caseHow “shadow AI” enters organizations without leadership approvalWho is accountable when a technology vendor uses AIWhy existing fair lending and compliance obligations still applyHow MISMO FRAME helps organizations assess and govern AI riskWhy standardized mortgage data is critical to reliable AIWhat lenders should ask before adopting an AI-powered solutionHow MISMO's new governance certifications could shape the industryMISMO FRAME—the Framework for Responsible Use of AI in the Mortgage Ecosystem—is designed to help mortgage companies move beyond vague AI policies and build practical governance around real use cases, risks and responsibilities.The uncomfortable truth is that waiting for new AI regulations is not a strategy. AI is already being used, and organizations will still be responsible for the outcomes.Watch the full conversation to learn how mortgage lenders, technology providers and industry leaders can adopt AI without losing control of accountability, compliance or trust.What is the biggest AI risk facing the mortgage industry right now: shadow AI, poor data, weak vendor oversight or lack of executive ownership?Subscribe to the FinTech Hunting Podcast for candid conversations with the leaders shaping mortgage technology, fintech, artificial intelligence and the future of financial services.

In this in-depth interview, Cody Cox shares his 44 years of experience in mortgage note investing, focusing on how he manages risk, builds relationships, and leverages AI to scale his business. Discover insights on creating value, maintaining empathy, and the future of note investing in a volatile market.   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   —--------------------

If I were starting over as a note investor today, this is the approach I'd take. I walk through the entire process—from getting training and finding deals to defining your goals, filtering and pricing loans, completing due diligence, and closing your first deal. I also cover common mistakes that keep new investors stuck and how to build a repeatable process that improves with every loan you buy. Note training: www.notelaunchpad.com  Note buying: www.fusionnotes.com  Note origination and underwriting: www.calltheunderwriter.com  Mortgage broker / DSCR servicers in TX, FL and CO: www.callthemortgageguy.com  

Our Japan Real Estate Experts Panel (JREP) gets together to discuss the origins of the term "minpaku" (private lodging/ vacation rentals), the definition and use of the word "akiya", and the current interest rates landscape.

Vlad rants on herd mentality, the downfall to open mindedness, being stabbed by a loser, being a loser, avoiding the trap of losers and being trapped in the culture. 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

Links & ResourcesFollow us on social media for updates: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ | ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠YouTube⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Check out our recommended tool: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Prop Stream⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Thank you for listening!

What makes someone leave a successful career in life insurance to become a loan officer?In this episode, Ace sits down with Matthew to discuss his transition from life insurance sales to the mortgage industry. They talk about what motivated the change, the biggest differences between the two careers, the challenges of starting over, and the opportunities he's found as a mortgage professional.If you're considering becoming a loan officer, exploring a career in mortgage lending, or simply interested in the differences between life insurance and mortgage sales, this conversation offers firsthand insight into the journey.Topics Covered:-Transitioning from life insurance to mortgages-Becoming a loan officer-Mortgage broker career-Sales mindset-Career growth-Building a business in the mortgage industry-Lessons learned from both industriesSubscribe for more loan officer training, mortgage broker coaching, recruiting insights, and behind-the-scenes conversations from Takers Brokerage.Support the show⚡READY TO BUILD A REAL CAREER IN SALES, MORTGAGES, OR LEADERSHIP?Apply here and choose your track. Already happy with your career? Grab the standalone products and trainings anytime inside the shop.

In this LoanOfficerPodcast.com episode, the host Chris Johnstone sits down with top-producing loan officer Parker Borofsky to discuss how he built a mortgage business that closed over $323 million in annual loan volume. Parker shares how specializing in investment property financing, DSCR loans, and short-term rental lending helped him become the go-to lender for real estate investors while continuing to scale his business through strong relationships and market expertise. In this episode, you'll learn:     • How Parker Borofsky built a $323M mortgage business by specializing in investment property, DSCR, and short-term rental financing.    • Why understanding investor loans, LLC financing, and creative mortgage solutions can help loan officers stand out and close more business.    • How to build long-term Realtor and investor relationships that generate consistent referrals and sustainable mortgage business growth. Whether you're a new loan officer looking to find your niche or an experienced mortgage professional wanting to expand into investment property lending, this episode is packed with practical strategies you can implement immediately. Listen now to learn how Parker Borofsky became one of the nation's top-producing loan officers by mastering investor financing, adapting to market changes, and delivering solutions that clients can't find elsewhere. If you enjoyed this episode, be sure to subscribe to LoanOfficerPodcast.com and leave us a  5-star review. Your support helps us continue bringing conversations with the mortgage industry's top producers and business leaders.

The meeting focused on real estate investing, with an emphasis on notes, seller financing, and creative deal structures. David shared his background in real estate and notes, and participants like Ben, MaryAnn, Jay, and Carl discussed their experiences with contract for deed, lease options, midterm rentals, and working with agents. The group talked about the challenges and benefits of different states and markets, including California, Colorado, Missouri, Illinois, Indiana, Michigan, Georgia, Chicago, and the Southwest. They covered topics such as lead generation for notes, the use of LOIs, carrying commissions as notes, and the role of real estate agents in creative transactions. David explained a recent reverse 1031 exchange he helped with, and several members shared insights on estate planning, property management, and market trends. The conversation also touched on the current stock market, the role of high-net-worth individuals in certain markets, and the evolving landscape of real estate investing strategies.

On the July 25, 2026 episode of the Hardcore Mortgage Real Estate & Business Show, we welcomed Ed Brittingham of RE/MAX Eclipse for an engaging discussion about Michigan's real estate market.Ed shared his expert perspective on current housing trends, market conditions, and valuable insights for both buyers and sellers navigating today's ever-changing real estate landscape. From market opportunities to challenges facing homeowners and prospective purchasers, this episode provides practical information for anyone interested in Michigan real estate.

In our Question Time podcast, Martin Lewis gives you answers on anything and everything, including: can I use AI to improve my finances, and if so, what's the best and safest way? We're in our 60s, is it better to not pay off the remainder of our small mortgage? Will a bit of fiddling give us Section 75 credit card protection on our new windows? Am I wrong to use Amex at small retailers? We have a success where keeping old paperwork, as Martin suggested on the podcast, boosted our caller's pension by 20%! Plus, you ask Martin what products he wouldn't be able to live without if he had to spend less. If you want to ask Martin a question, you now can! His Question Time podcast lets you ask Martin absolutely anything and everything (within reason!). So, if you've always wanted to know what his second favourite podcast is, how he feels about films that run for longer than three hours, or have a very complicated question about your finances, email it to MartinLewisPodcast@bbc.co.uk.

Buying a home, building good credit, preparing for retirement, and navigating the markets all require looking beyond today's headlines. Shanna Squires of Henssler Mortgage Advisors joins us to explain what actually happens during the mortgage process — from pre-approval to closing — including why pre-approval may not always be what you can afford, why lenders ask for so much documentation, and how your mortgage lender should be working with you every step of the way  before getting the keys.After the break, we also explore the growing divide in consumer credit, as more Americans achieve top-tier credit scores while others struggle with record credit card balances and how it mirrors our K-shaped economy.We examine the changing realities of retirement as more Baby Boomers choose to upsize instead of downsize, reflecting a shift toward multigenerational living, entertaining, and homes designed to support aging in place.We close with a look at the latest earnings season, why investors are becoming more selective about companies' AI spending, and whether the other 493 companies in the S&P 500 can help broaden market leadership. Join hosts Nick Antonucci, CVA, CEPA, Director of Research, and Managing Associates K.C. Smith, CFP®, CEPA, and D.J. Barker, CWS®, and Kelly-Lynne Scalice, a seasoned communicator and host, on Henssler Money Talks as they explore key financial strategies to help investors navigate market uncertainty. Henssler Money Talks July 25, 2026  |  Season 40, Episode 30Timestamps and Chapters6:36: Inside the Mortgage Process24:16: A Tale of Two Credit Economies33:41: Aging in Place—or Living Larger44:05: Investors Questioning AI SpendingFollow Henssler:  Facebook: https://www.facebook.com/HensslerFinancial/ YouTube:  https://www.youtube.com/c/HensslerFinancial LinkedIn: https://www.linkedin.com/company/henssler-financial/ Instagram: https://www.instagram.com/hensslerfinancial/ TikTok: https://www.tiktok.com/@hensslerfinancial?lang=en X: https://www.x.com/hensslergroup “Henssler Money Talks” is brought to you by Henssler Financial. Sign up for the Money Talks Newsletter: https://www.henssler.com/newsletters/ Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.See important disclosures at Henssler.com

The Accunet Mortgage and Realty Show: Rate Hikes, Rock Solid Offers, and a Maternity Leave CurveballRates ticked up this week thanks to renewed tension in the Strait of Hormuz, so Brian Wickert and Tim Holdmann tackle the question every buyer eventually asks: lock now, or float and hope? Their answer comes down to one simple gut-check question that cuts through the anxiety.From there, Brian shares a live, in-progress deal: a first-time buyer in her 50s, a giant down payment, and a scramble to out-position a big bank's lackluster pre-approval with an appraisal waiver and a Rock Solid Guaranteed Pre-Approval — all before an open house the next morning.Tim brings the drama with a maternity-leave-to-part-time employment switch that nearly torpedoed a closing, plus an update on the VA buyer navigating a marital settlement agreement deadline to get his offer in before the weekend.Along the way: why “the same big bank downtown” isn't always the flex your accountant buddy thinks it is, why asking a client the same question twice is a cardinal sin, and why sometimes you just have to move forward without 100% certainty — because houses don't wait.

This week on Home Sweet Home Chicago, David Hochberg is joined by Mike Epping of Center Guard Plumbing to talk about the heavy rains blowing through Chicago and how they can help you. Then, Bob Schmitt of Junkluggers informs listeners about batteries no longer being allowed in your trash. Next, Igor Murokh of Mr. Floor […]

Featured on WGN Radio's “Home Sweet Home Chicago” on 07/25/2026: Mr. Floor himself, Igor Murokh, joins the program to talk about hardwood floor owners making mistakes without even knowing it. Igor talks about how Mr. Floor is leading the charge for cleaners and what listeners can do to save a lot of money. For more […]

Featured on WGN Radio's Home Sweet Home Chicago on 07/25/26: Center Guard Plumbing's Mike Epping joins the show to talk about how they can help protect your home from the heavy rains plaguing Chicagoland. Go to wgnplumber.com or call 847-406-8883 to learn about what Center Guard can do for you. Use the word “Kevin” or “Cake” for a […]

On today's episode, Editor in Chief Sarah Wheeler talks with Lead Analyst Logan Mohtashami about mortgage rates hitting a yearly high as the Iran conflict continues to escalate. Related to this episode: Mortgage rates hit yearly high as Iran conflict escalates  HousingWire | YouTube⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ More info about HousingWire The Top 5: Mortgage rates hit yearly high as Iran conflict escalates  Voters in all parties support federal housing help beyond the ROAD ‘Tale of two' Miami housing markets reflects changing priorities, international demand In DFW, housing affordability slips even as builders report strength House passes bill to ease banking regulations Want more from Sarah? Don't forget to subscribe! 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.

In this episode, we explore Eunice Combs' inspiring journey from buying her first home as a single parent to becoming a successful real estate investor and agent. She shares valuable insights on real estate strategies, overcoming challenges, and building wealth through property 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   —--------------------

Most buyers are not actually waiting for a lower mortgage rate.They are waiting for a monthly payment they can afford. In this episode, Tim and Julie Harris explain how real estate agents can help buyers and sellers think beyond the advertised interest rate. They break down permanent mortgage rate buydowns, temporary 2-1 buydowns, seller concessions, adjustable-rate mortgages, builder incentives, refinance strategies, and assumable loans. You will learn why negotiating the cost of financing can be more effective than negotiating only the purchase price, how listing agents can compete with new-construction incentives, and why automatically reducing the price may not be the seller's best option. Tim and Julie also discuss the true cost of waiting, the questions buyers should ask before choosing a mortgage, and how an existing low-rate assumable loan can become one of the strongest marketing features of a listing. The episode concludes with a look at the Dorado Beach Insider book and how agents can build a long-term authority brand around a specific neighborhood or community. This is the kind of practical financing and career training real estate agents need to navigate the 2026 market, create more opportunities, and build a business that does not depend on perfect market conditions. Free training: HarrisRealEstateDaily.com Coaching: PremierCoaching.com Join eXp + Libertas: WhyLibertas.com/Harris Text Tim Direct: 512-758-0206 Opinions are my own and not the views of eXp Realty.

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AI is creating new opportunities in real estate—but it's also creating new risks. Kathy Fettke breaks down a new FundingShield report, covered by Scotsman Guide, that shows deepfake fraud and seller impersonation are becoming growing threats in mortgage transactions, and what every real estate investor should do to protect themselves at closing.   Want to learn more about investing? Visit www.NewsforInvestors.com   Source: https://www.scotsmanguide.com/news/deepfake-fraud-rising-as-headline-mortgage-risk/

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 Booker T. Washington.

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 Booker T. Washington.