Podcasts about preapproval

In this episode of the Brisbane Property Podcast, hosts Scott and Melinda Jennison sit down with finance expert Barry Wilkinson from SW Brokerage to discuss a crucial issue affecting many property buyers—why so many stall after securing pre-approval.With fresh data revealing that up to 45% of pre-approved buyers never proceed with a purchase, we unpack the key reasons behind this hesitation. From decision fatigue and misinformation to the overwhelming nature of Brisbane's competitive property market, we explore the psychological and practical barriers stopping buyers in their tracks.   Barry shares expert insights into:   Why banks are making pre-approvals harder to renew   The costly mistakes buyers make when relying on outdated property data  How to keep momentum and move from finance-ready to contract-ready  The power of working with the right broker and buyer's agent to streamline the process  Why off-market properties can be the ultimate game-changer   Whether you're a first-home buyer, an investor, or someone who's been searching for months without success, this episode is packed with practical strategies to help you take action confidently and secure the right property before market conditions change.   Connect with Us: Subscribe on Youtube https://www.youtube.com/channel/UCW30uBCnHQ2YllnwGKHNfxg Streamline Property Buyers Website https://streamlineproperty.com.au/ Ready to work with us directly? https://streamlineproperty.com.au/contact/   If you liked this episode, please don't forget to subscribe, tune in, and share this podcast with others you know will benefit from the information we share!

SHOW NOTESAvoid These 6 Major Mistakes After Getting Pre-Approved for a Mortgage!In this episode, Mark and Joey dive into critical advice for those freshly pre-approved for a mortgage. They address common mistakes to avoid, such as changing jobs, making large purchases, or increasing credit card debt, and emphasize the importance of not 'rock the boat' until your mortgage is finalized. The chat also covers personal anecdotes and some fun sidetracks about favourite eateries, the excitement for F1 races, and new podcast studio upgrades. Tune in for valuable insights and some entertaining banter!CHAPTERS (00:00) Introduction and Setting the Scene(01:03) Podcast Upgrades and New Additions(01:43) Client-Inspired Episode: Career Changes and Pre-Approval(02:51) Weekly Catch-Up: Food Adventures(03:46) Kitchen Hub Stories and Food Comparisons(12:56) Listener Contributions and Studio Upgrades(19:58) Real Estate Market Insights and Success Stories(26:15) Understanding Pre-Approval(26:58) What Pre-Approval Actually Means(29:31) The Importance of Stability: Job Changes(33:38) Avoid Big Purchases(35:22) Managing Credit Card Debt(37:41) Timely Payments Matter(42:26) Red Flag Buildings(45:41) Final Tips and RecapWe Buy Canadianhttps://www.instagram.com/webuycanadian/https://kitchenhub.com/1121 Castlefield Ave, York, ON M6B 1E8Belly Buster Submarines3447 Yonge St, Toronto, ON M4N 2N2FEEDSPOT TOP CANADIAN REALTOR PODCASTShttps://podcast.feedspot.com/canadian_realtor_podcasts/FEEDSPOT TOP TORONTO PODCASTShttps://podcast.feedspot.com/toronto_podcasts/WHERE YOU CAN FIND US

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

Marco Mesina explains how taxpayers can secure pre-approval from Italian tax authorities before relocating to benefit from Italy's flat tax.View the full article here.Subscribe to the IMI Daily newsletter here.

Think preapproval is just a formality? Think again!

Sean Zalmanoff, founder and chief loan officer of Better Rate Mortgage, covers an array of mortgage-related topics. The discussion delves into the various types of loans available, the importance of starting early in the mortgage application process, and practical tips for improving credit scores. Sean offers insights into mortgage refinancing, the benefits of different loan terms, and shares useful financial advice for both first-time homebuyers and seasoned borrowers. The episode emphasizes the importance of working with knowledgeable mortgage professionals for a smoother and more informed home-buying experience.[00:00] Introduction and Welcome[01:18] Encouraging Local Businesses[01:53] Challenges of the Restaurant Industry[03:00] Guest Introduction: Sean Zalmanoff[03:24] Sean's Journey into the Mortgage Industry[04:24] The Impact of 9/11 on the Mortgage Industry[05:09] Starting a Mortgage Business[08:44] The Great Recession and Its Aftermath[12:07] Modern Mortgage Industry Insights[15:19] Understanding Different Loan Types[17:46] The Importance of Financial Literacy[22:31] Break and Sponsor Messages[24:46] Return and Mortgage History[25:48] Get Ready: Essential Mortgage Preparation Tips[29:14] Credit Scores Demystified: What You Need to Know[30:36] Down Payments and Financial Planning[33:39] Smart Strategies for Managing Debt[44:11] The Importance of Pre-Approval[48:58] Choosing the Right Realtor and Loan Officer[53:20] Conclusion and Final ThoughtsTakeaways: Supporting local businesses in their first 60 days is crucial for their survival and growth. A simple word of encouragement can energize a new business owner and motivate them to keep going. When entering the mortgage market, starting the application process early can save time and stress later on. Understanding the different types of loans available can empower first-time buyers to make informed decisions. Refinancing can help save money, but it's essential to weigh the costs versus benefits before making a move. Choosing the right loan officer can make a significant difference in your mortgage experience and financial future. Home - Better Rate MortgageThis is Season 8! For more episodes, go to stlintune.comLinks referenced in this episode:betterratemortgage.comdredscottlives.orgCompanies mentioned in this episode: Fannie Mae Freddie Mac USDA Better Rate Mortgage Monster Mortgage#mortgageadvice #mortgagesolutions #mortgages #betterratemortgage #mortgagetips #fanniemaeloans #freddiemacloans #fhaloans #conventionalloans

Buying your first home is an exciting milestone, but without the right preparation, it can quickly become a stressful experience. In this episode of The First Home Buyers Program Podcast, we dive into why a fully assessed pre-approval is essential before making an offer on a property.Join Me, as we break down real-life examples of first home buyers who faced unexpected delays due to incomplete pre-approvals—and how you can avoid making the same mistakes.What You'll Learn in This Episode:✅ The difference between a basic pre-approval and a fully assessed pre-approval✅ How a government scheme requirement delayed one buyer's finance approval✅ Why guarantor loans take longer and require extra preparation✅ How skipping a full pre-approval can add unnecessary stress and pressure✅ The best way to ensure a smooth home-buying journeyWhy This MattersA fully assessed pre-approval means your financials, tax returns, and liabilities are reviewed upfront, so you can confidently make an offer without last-minute surprises. Avoid finance delays, extension requests, and the stress of uncertainty—get pre-approved the right way.Resources & Links:

Randy and Chris are back for the final episode of 2024! They reflect on the highs and challenges of the year, discussing relationships, networking, and professional growth. From navigating the higher-rate mortgage environment to sharing personal milestones, this episode dives deep into their experiences and lessons learned. Hear insights on 2025 market predictions, interest rates, debt consolidation trends, and how AI might reshape the mortgage industry. Plus, plenty of banter, laughs, and a glimpse into their personal lives as dads and professionals. Join them as they wrap up the year with gratitude, optimism, and a look ahead to what's next. 00:00 Introduction and Year-End Reflections 00:53 Building Relationships and Networking 02:53 Community Involvement and Personal Growth 04:51 Facing Public Speaking and Personal Challenges 06:17 Transition to CMG and Professional Development 10:12 Market Predictions and Industry Insights 14:08 Interest Rates and Economic Outlook 19:03 AI in the Mortgage Industry 26:44 Pre-Approval vs. Pre-Qualification 29:03 Final Thoughts and Holiday Wishes Randy Forcier Loan Officer I NMLS 322749 CMG Home Loans 9 Beach St, 2nd Floor Saco, ME 04072 207-590-0337 l rforcier@cmghomeloans.com Chris Bedard Loan Officer l NMLS 323290 CMG Home Loans 9 Beach St, 2nd Floor Saco, ME 04072 207-229-4731 l cbedard@cmghomeloans.com THE MORTGAGE SHOW

In this episode, Michelle talks to Aaron Christie-David, the founder and director of Atelier Wealth and the author of The Happy Home Loan Handbook about how to nail your pre-approval and get ready for your mortgage in 2025! Michelle and Aaron highlight things you need to consider before talking to a Mortgage Broker, red flags lenders look out for in your application, how to choose the right type of property to improve your lending options, why ignoring market noise can help you stay focused on your property goals, what you need to know about conditional vs unconditional approvals.Love the Buy Your Side podcast? Please give us a review, we'd love to know what you think.Full show notes to the episode can be found here.Don't forget to connect with us across:FacebookInstagramTikTokLinkedInIf you have any burning property questions at all please send an email to hello@buyyourside.com.au

Before you start your house-hunting journey, make sure you're armed with a fully assessed pre-approval! Here's why:Know Your Budget: With a pre-approval, you know exactly how much you can borrow, so you can focus on homes within your price range.Strengthen Your Offer: Sellers take you more seriously when they see you're pre-approved, giving you a competitive edge in a hot market.Faster Process: With your finances already assessed, you can move quickly when you find your dream home, reducing the risk of delays.Peace of Mind: Avoid the stress of last-minute financing issues by getting pre-approved upfront, so you can house hunt with confidence.At 360 Mortgage Solutions, we'll help you get pre-approved, fully assessed, and ready to secure your perfect home. Let's make your home-buying journey smooth and successful!

  The structure of your loans can make or break your investment journey. Today, I chat with Nick Aves from Purely Finance about why loan structure and type are crucial. From using standalone securities to managing offset accounts, Nick shares strategies to avoid financial pitfalls and maximise returns. We also tackle common mistakes first-time investors make and how to sidestep them. Nick explains the importance of separating home and investment loans, preserving tax-deductible debt, and managing cash flow to set yourself up for long-term success. If you're curious about leveraging equity or exploring alternative lenders, this episode is packed with insights to guide your next move. Ready to elevate your property finance game? Let's go inside!       Resource Links: Get your Strategic Portfolio Plan and our help with Buying Your Next Perth Property  (https://www.investorsedge.com.au/invest-in-perth-property/) Join the Perth Property Investment Facebook Group (https://www.facebook.com/groups/perthpropertyinvestors) Join Jarrad Mahon's Property Investor Update (https://www.investorsedge.com.au/join) For more info on our award-winning and highly rated Property Management services that give you guaranteed peace of mind (https://www.investorsedge.com.au/perth-property-management-specialists/) For more info on how our Property Sales services can ensure you get the best selling price while handling all the stress for you (https://www.investorsedge.com.au/selling-your-perth-property/)       Episode Highlights: Intro [00:00] First-Time Buyers and Investment Properties [00:10] Market Trends and Client Profiles [04:41] Loan Structures and Mistakes to Avoid [06:09] Pre-Approval and Leveraging Equity [23:54] Alternative Lenders and Self-Employed Clients [24:54] Interest Rates and Market Outlook [32:50] First Steps and Planning [36:17] End-of-Year Market Activity [40:57]   Thank you for tuning in! If you liked this episode, please don't forget to subscribe, tune in, and share this podcast.       About the Guest: Nick Aves is a prominent figure in the financial sector, currently serving as a Director at Purely Finance. With a strong background in finance, he specializes in simplifying complex financial problems and providing comprehensive advice on home, investment, and business loans. His expertise is complemented by his role as a Course Consultant for the Executive Relief Racing Group, where he combines his passion for finance with interests in numismatics and art history. Aves is known for his engaging approach and commitment to delivering tailored financial solutions to his clients.   Connect with Nick: Linkedin: https://www.linkedin.com/in/nickaves/?originalSubdomain=au Facebook: https://web.facebook.com/nick.aves       Connect with Perth Property Insider: Subscribe on YouTube:  https://www.youtube.com/@InvestorsedgeAu Like us on Facebook: https://www.facebook.com/investorsedge See omnystudio.com/listener for privacy information.

Skipping pre-approval can lead to heartbreak later on. In this episode, learn why getting pre-approved is a game-changer and how it gives you a competitive edge and a clear budget.

Getting into property investing is exciting at the same time as being daunting, so it's crucial to start right and have this leap frog you into other investments.  Today, I'll guide you through avoiding common mistakes and setting clear goals to build a strong foundation for success. We'll explore the balance between cash flow and capital growth, plus the trade-offs of premium versus lower-end properties. I'll also share tips on holding your property long enough to maximise its potential. I am sure there will be some good take-aways, whether it's your first investment or refinement to your existing portfolio, this episode has something for you. Let's go inside.   Resource Links: Get your Strategic Portfolio Plan and our help with Buying Your Next Perth Property  (https://www.investorsedge.com.au/invest-in-perth-property/) Join the Perth Property Investment Facebook Group (https://www.facebook.com/groups/perthpropertyinvestors) Join Jarrad Mahon's Property Investor Update (https://www.investorsedge.com.au/join) For more info on our award-winning and highly rated Property Management services that give you guaranteed peace of mind (https://www.investorsedge.com.au/perth-property-management-specialists/) For more info on how our Property Sales services can ensure you get the best selling price while handling all the stress for you (https://www.investorsedge.com.au/selling-your-perth-property/)       Episode Highlights: Intro [00:00] First Time Investors Guide to Property Investment [03:07] Setting Investment Goals and Budget [05:05] Understanding Financing Options and Pre-Approval [09:46] Getting Help from a Buyer's Agent [15:34] Researching Property Markets [18:58] Choosing the Right Property Type [23:29] Evaluating Specific Properties [28:21] Building a Support Network [32:04] Understanding Risks and Preparing for the Unexpected [35:29] Common Mistakes and How to Avoid Them [38:21]   Thank you for tuning in! If you liked this episode, please don't forget to subscribe, tune in, and share this podcast.       Connect with Perth Property Insider: Subscribe on YouTube:  https://www.youtube.com/@InvestorsedgeAu Like us on Facebook: https://www.facebook.com/investorsedge  See omnystudio.com/listener for privacy information.

We talk with Shane Martin from loan market in Geelong about auctions and being prepared with pre approval finance and how to approach your finances before an auction. Listen here: https://apple.co/3wub8Le ► Subscribe here to never miss an episode: https://www.podbean.com/user-xyelbri7gupo ► INSTAGRAM: https://www.instagram.com/therealestatepodcast/?hl=en  ► Facebook: https://www.facebook.com/profile.php?id=100070592715418 ► Email:  myrealestatepodcast@gmail.com    The latest real estate news, trends and predictions for Brisbane, Adelaide, Canberra, Gold Coast, Sydney, Melbourne and Perth. We include home buying tips, commercial real estate, property market analysis and real estate investment strategies. Including real estate trends, finance and real estate agents and brokers. Plus real estate law and regulations, and real estate development insights. And real estate investing for first home buyers, real estate market reports and real estate negotiation skills. We include Hobart, Darwin, Hervey Bay, the Sunshine Coast, Newcastle, Central Coast, Wollongong, Geelong, Townsville, Cairns, Ballarat, Bendigo, Launceston, Mackay, Rockhampton, Coffs Harbour.     #sydneyproperty #Melbourneproperty #brisbaneproperty #perthproperty 

Get ready for a special episode of The Collective Podcast! This is part 2 of The Sales Process from Season 2, Episode 10, and it's packed with valuable insights. Jen Moretti, an experienced broker, joins the conversation to show you how to streamline your loan process and make it work flawlessly. From mastering clear communication to using automation for better client engagement, this episode is all about making your workflow smoother.We'll also talk about building solid relationships with real estate partners and how feedback can help you improve results. If you're looking to simplify your process and keep clients happy, this is one you won't want to miss!00:57 Meet Jen Moretti: A Broker's Journey02:49 Building a Bulletproof Loan Process06:09 The Importance of Enjoyment and Profit in Business08:58 Navigating the Pre-Approval to Under Contract Process11:48 Automating Communication for Client Engagement14:59 Preparing for a Successful Offer17:50 The Role of Listing Agents in the Process21:10 Creating Value Through Evergreen Content23:55 Maintaining Communication During the Contract27:14 Building Relationships with Transaction Coordinators30:04 Feedback and Continuous Improvement32:58 Doubling Revenue Through Strategic Communication35:50 Final Thoughts on the Loan ProcessShow Links: Community Platform: https://products.thecollectivecoaching.com/ Social Media: Facebook - https://www.facebook.com/TheCollectiveCoachings/ YouTube - https://www.youtube.com/@TheCollectiveCoaching LinkedIn – https://www.linkedin.com/company/collectivecoaching/ Instagram - https://www.instagram.com/thecollectivecoachingcommunity/

Welcome back to another episode of Talk Property To Me! I'm your host, Brad East, alongside my co-host, Aaron Downie. In this episode, we dive deep into the essential steps for first home buyers, providing a comprehensive guide to navigate the often overwhelming process of purchasing your first property. We kick off the discussion by addressing the most significant hurdle for first-time buyers: saving for a deposit. We explore the common misconceptions surrounding deposit amounts, particularly the traditional 20% benchmark, and introduce the concept of Lenders Mortgage Insurance (LMI). We explain how LMI protects the bank rather than the borrower and discuss the implications of needing to save a substantial deposit versus a smaller one. Next, we highlight the government initiatives available to assist first home buyers, such as the First Home Loan Deposit Scheme, which allows buyers to purchase with as little as a 5% deposit without incurring LMI. We clarify the eligibility criteria for this scheme and compare it to the shared equity scheme proposed by the Labor government. Additionally, we touch on the First Home Super Saver Scheme, although we note that it's not as commonly utilised. As we move forward, we emphasise the importance of understanding all costs associated with buying a home, including stamp duty, legal fees, and inspection costs. We break down the specifics of stamp duty exemptions for first home buyers in New South Wales and discuss how these costs can significantly impact the total amount needed to enter the market. We also provide practical tips for saving more effectively, such as setting up separate bank accounts to manage living expenses and savings. We share personal anecdotes about investment apps that can help buyers accumulate savings over time. Transitioning into the finance side of things, we discuss the importance of obtaining pre-approval for a loan and the difference between pre-approval and formal approval. We stress the need for potential buyers to consult with a mortgage broker to understand their borrowing capacity and to prepare for the application process. In the latter part of the episode, we shift our focus to the property search itself. We discuss how to conduct market research, the significance of understanding your budget, and the factors to consider when choosing a location. We provide insights into the psychology of pricing in real estate and how to interpret guide prices versus sold prices. Finally, we walk listeners through the process of making an offer, the importance of understanding contracts, and the nuances of auction versus private treaty sales. We emphasise the need for buyers to be well-prepared and informed to make strong offers and navigate the settlement process smoothly. Throughout the episode, we aim to empower first home buyers with the knowledge and tools they need to make informed decisions in their property journey. Whether you're just starting to save or are ready to make an offer, this episode is packed with valuable insights to help you succeed in the competitive real estate market. Join us as we break down the complexities of buying your first home and provide you with the confidence to take the next steps in your property journey! 00:00:00 - Introduction to First Home Buyers 101 00:01:06 - The Challenge of Saving a Deposit 00:01:17 - Understanding Lenders Mortgage Insurance (LMI) 00:02:10 - Government Schemes: First Home Loan Deposit Scheme 00:04:14 - Eligibility for Government Schemes 00:05:37 - First Home Super Saver Scheme 00:06:33 - Additional Costs Beyond the Deposit 00:07:04 - Stamp Duty Exemptions for First Home Buyers 00:08:00 - Legal Fees and Other Costs 00:09:03 - Inspection Costs and Their Importance 00:09:36 - First Home Owners Grant Overview 00:10:51 - Strategies for Saving More 00:11:26 - Investment Apps and Budgeting Tips 00:12:57 - Guarantor Loans Explained 00:13:54 - The Importance of Pre-Approval 00:15:39 - Understanding Borrowing Capacity 00:19:25 - Credit Scores and Their Impact 00:21:00 - Managing Credit Inquiries 00:23:12 - Types of Home Loans: Fixed vs. Variable 00:25:32 - Offset Accounts vs. Redraw Facilities 00:27:51 - Finalising the Finance Side 00:28:11 - Researching the Property Market 00:30:07 - Understanding Market Dynamics 00:31:04 - Analysing Days on Market 00:32:02 - Making Strong Offers 00:34:35 - Navigating the Offer Process 00:36:06 - Understanding Contracts and Cooling Off Periods 00:38:01 - Auction vs. Private Treaty Purchases 00:39:54 - Vendor Considerations in Offers 00:40:21 - Final Steps After Offer Acceptance 00:42:57 - Settlement Day Expectations 00:45:02 - Conclusion and Advice for First Home Buyers ABOUT THE HOSTS BRAD EAST Brad East is the Managing Director of Wisebuy Home Loans. Brad is an award-winning mortgage broker and has helped thousands of clients gain finance to purchase properties. Wisebuy Home Loans is the go-to mortgage brokerage for clients wanting out-of-the-box applications approved. Website → https://wisebuygroup.com.au  LinkedIn → https://www.linkedin.com/in/newcastlemortgagebroker/  Instagram → https://www.instagram.com/bradeast_mortgagebroker/  Facebook → https://www.facebook.com/bradeastofficial AARON DOWNIE Joining the podcast in 2024, Aaron Downie is a seasoned property investor and director of Mackenzie Buyers Agency. Aaron's deep understanding of the property market and investment strategies provides listeners with invaluable insights. Website: https://www.mackenziepropertygroup.com.au/ Linkedin: https://www.linkedin.com/in/aaron-downie-1b2749134/

In this episode of Loan Officer Training, we tackle one of the most common questions clients ask: What's the difference between mortgage pre-approval and pre-qualification? While the terms are often used interchangeably, they serve distinct purposes—and as a loan officer, knowing how to explain these differences can make or break your client's mortgage journey.We'll dive into the key distinctions between pre-approval and pre-qualification, including the varying levels of commitment from lenders, the documentation required for each, and how they affect a borrower's credibility in the competitive housing market. You'll learn why a pre-approval letter might carry more weight with sellers and how a pre-qualification can serve as an early stepping stone in the mortgage process.Join us as we break down the pre-approval vs. pre-qualification debate and give you the knowledge you need to guide your clients to success in their homebuying journey!Join The Mortgage Calculator at https://themortgagecalculator.com/joinAbout The Mortgage Calculator:The Mortgage Calculator is a licensed Mortgage Lender (NMLS #2377459) that specializes in using technology to enable borrowers to access Conventional, FHA, VA, and USDA Programs, as well as over 5,000 Non-QM mortgage loan programs using alternative income documentation! Using The Mortgage Calculator proprietary technology, borrowers can instantly price and quote thousands of mortgage loan programs in just a few clicks. The Mortgage Calculator technology also enables borrowers to instantly complete a full loan application and upload documents to our AI powered software to get qualified in just minutes!Our team of over 350 licensed Mortgage Loan Originators can assist our customers with Conventional, FHA, VA and USDA mortgages as well as access thousands of mortgage programs using Alternative Income Documentation such as Bank StatemeCatch all the episodes of the Loan Officer Training Podcast at https://themortgagecalculator.com/Page/Loan-Officer-Training-Series-Podcast Catch all the episodes of the Loan Officer Training Podcast at https://themortgagecalculator.com/Page/Loan-Officer-Training-Series-PodcastLoan Officers for Unlimited Free Non-QM Leads & Trainings Join The Mortgage Calculator at https://themortgagecalculator.com/joinThe Mortgage Calculator is a licensed Mortgage Lender (NMLS #2377459) that specializes in using technology to enable borrowers to access Conventional, FHA, VA, and USDA Programs, as well as over 5,000 Non-QM mortgage loan programs using alternative income documentation! Using The Mortgage Calculator proprietary technology, borrowers can instantly price and quote thousands of mortgage loan programs in just a few clicks. The Mortgage Calculator technology also enables borrowers to instantly complete a full loan application and upload documents to our AI powered software to get qualified in just minutes! Our team of over 350 licensed Mortgage Loan Originators can assist our customers with Conventional, FHA, VA and USDA mortgages as well as access...

Episode Description:In this episode of The First Home Buyers Program Podcast, we break down one of the most crucial steps in your home buying journey: lender pre-approval. If you're a first home buyer wondering how to secure financing, this episode is for you! We'll cover why pre-approval matters, how the process works, and when to get started. Plus, we'll share tips on how to apply, whether directly with a lender or by working with a mortgage broker. Tune in for practical advice that can help you secure your first home faster and with more confidence.Key Takeaways:What is lender pre-approval?A breakdown of how pre-approval works and why it's essential for first home buyers.Why pre-approval is important:Learn how having pre-approval gives you a clear budget, strengthens your offer to sellers, and saves you time.How the pre-approval process works:We explain the documents you'll need, how lenders assess your application, and what to expect.When to get pre-approved:Find out the best time to apply for pre-approval to stay ahead of the competition in the housing market.Lender vs. Mortgage Broker:Discover the benefits of working with a mortgage broker to find the best loan options tailored to your situation.Episode Highlights:[00:45] – What lender pre-approval means and why it's your first step toward homeownership.[02:00] – The pre-approval process: What documents you need and how lenders assess your finances.[03:30] – When should first home buyers get pre-approved? Timing is everything![04:30] – How a mortgage broker can save you time and help you find better loan options.Resources Mentioned in This Episode:360 Mortgage Solutions – Get in touch with our team to start your pre-approval process today.First Home Buyers Program – Learn more about our comprehensive online course designed to guide you through every step of the home buying journeyRelated Episodes:Top 5 Tips For First Home BuyersStamp duty costsIf you're ready to take the next step toward homeownership, reach out to 360 Mortgage Solutions for expert advice on securing lender pre-approval. Don't forget to subscribe, leave a review, and share this episode with other first home buyers who are ready to make their move!Connect with Us:Visit our website: 360 Mortgage SolutionsFollow us on Instagram: @360MortgageSolutionsEmail us: maryanne@360mortgagesolutions.comIf you enjoyed this episode, make sure to subscribe and leave us a review on [Apple Podcasts/Spotify] to help more first home buyers find the show.

Are You Prepared for the Home Buying Process?Ever wondered what the real difference is between prequalification, preapproval, and underwritten preapproval? Which one gives you the upper hand in securing your dream home? And why do some offers stand out more than others?In this episode of MillenniUP, we break down these crucial steps for prospective home buyers and sellers. We'll explain why each type of approval matters, how it impacts your offer, and what to prioritize for a smoother transaction. Plus, we'll share practical advice for sellers looking to choose the strongest buyer.Tune in as we cover:00:00 - Are You Ready? Introduction to Prequalification and Preapproval00:42 - Podcast Overview and Episode Highlights01:26 - What Is Prequalification? Understanding the basics and how it differs from preapproval06:16 - Preapproval Explained: Why it's important and what lenders are really looking at07:26 - The Gold Standard: Underwritten Preapproval – How this can set you apart from other buyers and ensure a smooth transaction11:52 - Final Thoughts and Key Takeaways: How to make informed decisions when buying or selling a homeWhether you're buying your first home or selling, this episode is packed with insights and tips to help you navigate the world of real estate with confidence!

In today's episode John and Emily discuss property values around the country and which locations have seen better growth over the years, plus answer listener questions around:

De-risking Drug Development is a five-part podcast series that explores the business-critical decisions that take place at each stage of the drug development process. We know that novel therapies often don't meet their revenue expectations, but through informed decision-making, you can minimize risk and maximize the probability of commercial success. In episode 4, we focus on the pre-approval phase of drug development, where commercial launch planning should be started 2 - 3 years before marketing authorization. We discuss why it's critical to start early, and highlight approaches that biotechs should implement, specifically those with a first-time launch. Our experts offer practical examples of how to build and embed launch excellence, focusing on actionable insight to mitigate risk at this stage in the product lifecycle.

  In this episode our guest is Donna McKeown of Movement Mortgage. The discussion starts by considering the recent change in the Fed Funds Rate and what impact it has had on the current interest rate environment.  We discuss what moves Mortgage rates. Donna shared the benefit is the Pre-Approval process along with some personal anecdotes.  She also shared some best practices for advisors to consider, and how she works with financial planners.  Finally, Donna shared some thoughts around things to consider with the new National Association of Realtors compensation changes.    Movement Mortgage Donna B. McKeown Senior Loan Officer | NMLS 20377 781-775-7172 donna.mckeown@movement.com mortgagesbydonna.com   http://linkedin.com/in/donna-b-mckeown-b0248233   http://linkedin.com/in/michael-p-connaughton-cfp®-clu®-chfc®-5601535   http://linkedin.com/in/j-christopher-boyd-b932169

Big Investment Firms like BlackRock have been buying up tons of houses and this trend isn't going to stop. But there are things you can do to beat out these large companies and secure your homes. I'll tell you some of the best techniques.

Are you drowning in credit card debt? Feeling hopeless? You're not alone! In this episode of Eternal Wealth, Shani shares a powerful story of redemption and reveals her 3-step plan to conquer your debt and build wealth. Discover how to:

Comment, question, or idea for the podcast? Send us a Text Message! The Minnesota Office of Cannabis Management (OCM) hosted an informational webinar to guide social equity applicants through the process of completing the application for cannabis business license preapproval in Minnesota.Presenters:Merone Melekin, Outreach DirectorKimberly Maturo-Hilt, Information TechnologyMax Zappia, Chief Regulatory OfficerFor more information, please visit the OCM's website: https://mn.gov/ocm/Please note that due to minor recording issues, there are two brief cuts in this meeting's recording. We apologize for any inconvenience and appreciate your understanding.Contents of this Recording:00:00 - MNCC Introduction00:37 - Introductions and Agenda (Merone Melekin)05:02 - Completing Your Application (Kimberly Maturo-Hilt)17:40 - Application Forms, Requirements, and Timelines (Max Zappia)24:38 - Application Tips and Resources (Merone Melekin)44:23 - Frequently Asked Questions (Merone Melekin)54:00 - Key Takeaways and Next Steps (Merone Melekin)Support the Show.

Do you know the difference between a 'pre-qualification" versus a "pre-approval"? Do you only look at lending & mortgage rates as one number rather than an individual plan that is specifically designed for each person?Do you know that there is a stark difference between lenders and pre-approvals? In this episode I am joined by Dustin Grenier of Epic Mortgage based in Brookfield, Wisconsin. Epic is a newer company in metro Milwaukee but the faster growing lender in our area. And for good reason - they are now lending in 11 states and offer a wide variety of programs from conventional loans, FHA, VA, WHEDA and more. Dustin and John discuss the importance of a pre-approval, and the importance of the lender being part of the realtor's team. They dive into the differences between lenders and how their pre-approval might be different from others - especially some bigger banks & credit unions. Let's face it, an experienced agent will give Seller's the "pros" and "cons" of each offer's pre-approval they receive. You'll walk away with some "best practices" and ideas that could get your offer accepted over others. 

Audio version of video on YouTube. Build engaging apps for Microsoft Teams meetings with new content sharing capabilities Preapproval of RSC permissions Microsoft scraps Copilot Pro GPT Builder after just 3 months - how to save your work Subscribe to all my videos at: https://thoughtstuff.co.uk/video Podcast: https://thoughtstuff.co.uk/itunes, https://thoughtstuff.co.uk/spotify or https://thoughtstuff.co.uk/podcast Blog: https://blog.thoughtstuff.co.uk

In this episode of "Loan Officer Training," we dive into the crucial steps of completing a purchase preapproval. Join us as we explore the ins and outs of this foundational process, ensuring you're equipped with the knowledge to guide your clients seamlessly through their home-buying journey. We'll cover everything from gathering the necessary documentation to evaluating credit scores and income verification. Learn expert tips and best practices to streamline your preapproval process, avoid common pitfalls, and boost your clients' confidence. Whether you're a seasoned loan officer or just starting out, this episode will enhance your skills and help you close deals with greater efficiency and success. Tune in and elevate your loan officer expertise!Join The Mortgage Calculator at https://themortgagecalculator.com/joinAbout The Mortgage Calculator:The Mortgage Calculator is a licensed Mortgage Lender (NMLS #2377459) that specializes in using technology to enable borrowers to access Conventional, FHA, VA, and USDA Programs, as well as over 5,000 Non-QM mortgage loan programs using alternative income documentation! Using The Mortgage Calculator proprietary technology, borrowers can instantly price and quote thousands of mortgage loan programs in just a few clicks. The Mortgage Calculator technology also enables borrowers to instantly complete a full loan application and upload documents to our AI powered software to get qualified in just minutes!Our team of over 350 licensed Mortgage Loan Originators can assist our customers with Conventional, FHA, VA and USDA mortgages as well as access thousands of mortgage programs using Alternative Income Documentation such as Bank Statement Mortgages, P&L Mortgages, Asset Based Mortgage Programs, No Ratio CDFI Loan Programs, DSCR Investor Mortgages, Commercial Mortgages, Fix and Flip Mortgages and thousands more!Our MortgaCatch all the episodes of the Loan Officer Training Podcast at https://themortgagecalculator.com/Page/Loan-Officer-Training-Series-Podcast Catch all the episodes of the Loan Officer Training Podcast at https://themortgagecalculator.com/Page/Loan-Officer-Training-Series-PodcastLoan Officers for Unlimited Free Non-QM Leads & Trainings Join The Mortgage Calculator at https://themortgagecalculator.com/joinThe Mortgage Calculator is a licensed Mortgage Lender (NMLS #2377459) that specializes in using technology to enable borrowers to access Conventional, FHA, VA, and USDA Programs, as well as over 5,000 Non-QM mortgage loan programs using alternative income documentation! Using The Mortgage Calculator proprietary technology, borrowers can instantly price and quote thousands of mortgage loan programs in just a few clicks. The Mortgage Calculator technology also enables borrowers to instantly complete a full loan application and upload documents to our AI powered software to get qualified in just minutes! Our team of over 350 licensed Mortgage Loan Originators can assist our customers with Conventional, FHA, VA and USDA mortgages as well as access...

This podcast marks the 500th Girls On The air Show!  The celebration starts with Karen & Janet talking about "the Power of Pre-Approval" and the huge benefits of being ready to buy when the home of your dreams is available. Joe Parisi Vice President at Guaranteed Rate Mortgage talks about how renters should always be looing to buy with the amount of programs offered.  The opportunity to buy then refi should not be ignored!  Lorine is up next with WellRive, who relocates anyone of any age with their unique approach that uses their "Magnetic Kit" which allows their experts to show you exactly what your home will look like when you move in, reducing stress make the moving experience enjoyable.  Seth from Latitude Surveying gives examples of mistakes land owners make when they use property dividers like fences to mark property lines, this can be very costly if you do not know exactly where your property line begins and ends.  Vicky Bennet concludes podcast 500 with her expertise in Body Awareness and Trauma Awareness.  Vicky has the tools and experience that can help people through difficult times like the Thomas Fire and other life traumas that happen to all of us.  As always, another awesome podcast... #500 from Karen & Janet!

Welcome to the FSBO Smarts Podcast. In this episode, Steve examines the latest Federal Reserve interest rate reports and market shifts impacting real estate. We dive into part one of a two-part series on recent tech layoffs and their effects on the stock and real estate markets.Discover how FSBO (For Sale By Owner) can alleviate stress for both home buyers and sellers, helping you retain your hard-earned equity and assist buyers in getting pre-approved for a home. We'll also discuss the consequences of the pandemic era, including the downsizing or closure of restaurants and other businesses.Learn how FSBO can be a key solution for first-time home buyers and the savings you can achieve by avoiding real estate agent commission fees. This episode provides practical reasons why FSBO makes perfect sense in today's market.For more in-depth information on selling your home FSBO-style, explore our course at FSBOsmarts.com or FSBOsmartcourse.com. Tune in for the next episode as the FSBO journey continues!---------------------------- Check out Our Website at:

Welcome to another insightful episode where we delve into the crucial documents needed for SBA pre-approval when acquiring a business. Join us as we break down the essential steps and paperwork required to kickstart your journey toward business ownership and financial success. If you'd like to meet with Beau to talk financing, book a call here ( http://bookwithbeau.com/ )

Guidance Recap Podcast | E19 A Selective Approach to Safety Data Collection in Specific Late-Stage Pre-approval or Post-approval Clinical Trials

Real Estate Topic: Income isn't the only factor that affects what you can afford. Your downpayment, debts, and credit score is impactful too! https://linktr.ee/IankenrickSeek the help of a licensed real estate agent, mortgage lender or financial professional when necessary. 

While It May Not Be The Sexiest Of Subjects, In Today's Real Estate Market Who You Choose To Arrange Your Mortgage Is Critical!The Do You Ever Wonder podcast had the opportunity to speak with Lauren Pastore at Contour Mortgage who is a loan originator and sales manager with over 25 years of experience in the mortgage market.And, looking back over the past couple of decades, Lauren has not only survived but has thrived through many different real estate and mortgage rate environments.Today's Residential Real Estate MarketToday buyers are facing the proverbial 'seller's market' despite the fact that 30-year mortgage rates have climbed from the Covid-era 2 % or 3% handle to the current 6%+.Lack of home inventory is a key factor! On March 20, 2024 when the Federal Reserve's Jerome Powell speaks post-Fed meeting, the real estate market will get more direction concerning where mortgage rates head from here.That being said, potential purchasers need to put their best foot forward when making an offer and besides the price, sellers will look to make sure that a mortgage will not stand in the way of closing the transaction.One alternative is to pay cash, but if a mortgage is being arranged it is critical to work with a lender AND a loan consultant who knows how to get it done!Many in the mortgage market with a track record and proven expertise can do the job. We have met them and worked with them through the years.But today's guest Lauren Pastore is truly impressive given her deep and thorough knowledge of mortgage products, what best suits her clients, incredible attention to detail that ensures a smooth loan process, and finally her ability to help a potential borrower improve the statistics that will ultimately lead to an underwriters decision! Some areas we touched on include...Pre-Qualifications vs Pre-Approval vs Fully Underwritten Pre-approval,Programs for qualified buyers that can lower the mortgage rate by a significant amount,The importance of choosing a loan originator carefully,The role of a loan originator,Overcoming obstacles in the mortgage loan process,And much more!How can you reach Lauren Pastore?Email: lpastore@contourmortgage.comPhone: 516-385-6759___________________________________________________Subscribe if you like what you see and hear...Please subscribe to the Do You Ever Wonder podcast using the two links below, and don't be shy about sharing the links with your friends.YouTube: Subscribe to Do You Ever Wonder here:  https://www.youtube.com/channel/UCzmL4Yaump_9Q7tMSChDoUQStreaming: Subscribe on your favorite streaming platform here: https://areyouwondering.buzzsprout.com/shareDo you have a great story to tell?Are you interested in appearing as a guest on the Do You Ever Wonder podcast? Let Mike Haltman know at mhaltman@hallmarkabstractllc.com._______________________________________________Hallmark Abstract Service...You Buy Real Estate, We Protect It!Questions about the podcast, NY title insurance, or the RE transaction process? Let Hallmark Abstract Service know at (646) 741-6101 or at info@hallmarkabstractllc.com

Knowing that we have been preapproved for the task we find ourselves in allows us to embrace our primary assignment. First, please, subscribe, in your preferred app, to partake in freshly released anointed prayers and receive Spiritual insight. All honor and glory belong to the most high God for he is worthy of the praise. Acknowledging on today that God is mighty and all situations, circumstances and sicknesses. Petitioning the throne of grace on today to move on our behalf, and to raise us up higher than the cares of this world. Presenting the ones who stand in need of a touch from God or a washing in the blood of Jesus. #SaraG #Anona #HarmaniAndVictor #Carter #Jayla #JoyandJoslyn #NehemiahAndLiza #PrincessAndJosiah #Genesis #Nariah #MakaylaAndNakya #SaraT #DavidRay #KeShawn #Trevin #Jason #Deante #JaQuan #ClayAndSara #Joshua #Bella #Jackson #Calvan #NicoleAndMichael #TrevvaAndDavid #Amanda #ApostleAndFirstLadyBadger #Ebony #QueenMae #DeaconBoykin #Patricia #Caroline #Raymond #ProphetBennett #MsLayne #Paula #Janelle #Trimeka #Troops #Marleen #Donna #HeavenAndNevaeh #MinisterJesse --- Send in a voice message: https://podcasters.spotify.com/pod/show/ravenia/message

Hunting for a new car doesn't have to be a hassle. It should be fun and enjoyable. Fortunately, this time of year is a good time to find that perfect car and, with a little advanced planning, score a fantastic deal and a great rate.  Links:  View Auto Rates, get pre-approved, and start your search with our AutoSmart tool.   Check out TCU University for more financial education tips and resources! Follow us on Facebook, Instagram and Twitter! Learn more about Triangle Credit Union Transcript: Welcome to Money Tip Tuesday from the Making Money Personal podcast.   If you're in the market for a car, you'll have a lot of decisions to make. You're probably hunting through car listings or scoping out nearby dealerships to pop by and maybe take a few cars for a test drive.   But did you know that the process of buying a car starts before you even sit in that driver's seat?   If you're ready to take advantage of the upcoming car deals this time of year, you'll want to take certain steps to make sure you get a great price.    First, establish your budget then go ahead and shop the prices. - Determine your budget by crunching numbers to find an affordable price. Use some online payment calculators to get an idea of how much your monthly payment will be.  With your ideal price in mind, start scoping around for good deals.  This time of year, President's Day is a spectacular deal day, particularly for car buying. It's usually the first deal weekend of the year for most car sellers so they're going to be extra eager to share attractive pricing on not only new models but also on popular cars you've been dreaming to own.  Before you visit the dealer, scope out the car or cars you're interested in a few weeks before President's Day so you can keep an eye on pricing and take advantage of any deals that pop up over President's Day weekend. Remember to keep that budget in mind.     Second, make sure you know your credit score and check your report. Prepping your credit is an ideal way to set yourself up for getting a great price for the car you want. Your credit eligibility is an important factor to getting the most from these special deals because it largely determines how much you'll get approved for and at how low a rate.   Review your credit score and report. If you're not happy with what you see, start taking steps to fix it. Make sure you make all your payments on time and keep any balances well under your credit limits. Doing this will help demonstrate that you're responsible with your credit and will likely score you a lower rate.     The final thing to getting the car you want at a great price is to get pre-approved BEFORE you head to the dealer.   Whatever your reasons for buying a car, whether it's your first ride, or you're ready for an upgrade, if you're planning to take out a loan for your vehicle, you'll want to be prepared with the financing that is best for your budget and you do this by pre-qualifying for the loan.  Prequalifying tells the dealer that you're already set up with financing. It will help you shop with confidence because you already know the amount you've been approved for. That confidence also comes in handy when you negotiate pricing with the dealer, because your budget remains fixed due to the pre-approval.   Pre-qualifying can also move the process along much faster because it cuts down on your time spent at the dealership. Once you decide on the vehicle you want, you simply return to the credit union and get your check to complete the purchase.   If you're wondering how to get pre-approved, it's pretty straightforward.   You can get started online or stop by your local branch. Once you're in the system, a representative will get in touch with you to work through the next steps.   Once your preapproval is established, it's time to shop. When visiting the dealers, inform them that you already have a pre-approval with your credit union. When you've selected your vehicle, you'll then bring the purchase and sales agreement from the dealership back to the credit union to finalize the process.   If there are any other tips or topics you would like us to cover, let us know at tcupodcast@trianglecu.org. Like and follow our Making Money Personal FB and IG page and look for our sponsor, Triangle Credit Union on social media to share your thoughts.   Thanks for listening to today's Money Tip Tuesday and be sure to check out our other tips and episodes on the Making Money Personal podcast.   Have a great day!      

Welcome back to another enlightening episode of GoGaddis Real Estate Radio! I'm your host, Cleve Gaddis, and today we're diving into essential topics that will help you navigate the real estate journey with confidence. Segment Teaser: Here's a sneak peek of what we'll explore in today's episode: Discovering Copper Creek: Our Neighborhood Spotlight shines on Copper Creek in Cherokee County, an idyllic community that could be your next home. Join us as we explore the charm and appeal of this wonderful neighborhood. The Value of a Pre-Approval Letter: Before you embark on your real estate journey, we'll discuss the significance of a pre-approval letter. Is it really necessary, even if you're putting down a substantial down payment? Our expert advice will help you understand its importance. Sponsor Spotlight: We'd like to extend our gratitude to O'Kelley & Sorohan for their support. Their dedication to helping you navigate the legal aspects of real estate is truly commendable. Sell for $28,000 More: Unlock the secrets to selling your home for $28,000 more than your neighbors. Our proven strategies can make a significant difference in your real estate transaction. Sun Belt States Unveiled: Can you name the Sun Belt states without looking them up? We'll not only reveal these states but also delve into why they're gaining popularity among homebuyers and investors. Understanding the Sun Belt: What makes the Sun Belt states such a desirable market? Our insights will shed light on the unique characteristics and opportunities offered by these states. Listener Questions: We'll address listener questions about the necessity of pre-approval letters and the appeal of the Sun Belt states. Get expert answers to your real estate queries. Whether you're considering Copper Creek as your next community, wondering about pre-approval, or exploring the allure of the Sun Belt states, this episode has something for everyone. Join us for an engaging discussion that will empower you on your real estate journey. Don't forget to subscribe to our podcast for more valuable insights, neighborhood spotlights, and expert advice. Your real estate success is our top priority, and we're here to guide you every step of the way. Get ready to gain a deeper understanding of pre-approval, the Sun Belt states, and the beauty of Copper Creek in Cherokee County. Your real estate adventure begins here! Host of GoGaddis Radio, Cleve Gaddis, has been a fixture in metro Atlanta real estate since 2000. He has served Atlanta since 1987 by helping thousands of buyers and sellers make smart decisions. As a Co-Team Leader of Modern Traditions Realty Group, he is able to help clients and real estate agents alike. He has the heart of a teacher and is passionate about helping listeners learn the ups and downs and the ins and outs of smart home buying and selling all throughout metro Atlanta. If you have a question for Cleve, click here : https://gogaddisradio.com/ask-a-question If you are looking to buy or sell your home with Cleve, click here : https://moderntraditionsrealty.net/contact If you are looking to join a real estate team, click here : https://moderntraditionsrealty.net/career-opportunity If you bought a home last year, don't forget to file your Homestead Exemption! https://moderntraditionsrealty.net/homestead-exemption

In this podcast episode, Brian Beatty and David Stein from Crown Home Mortgage discuss the current real estate market. They encourage listeners to work with professionals who understand the market and can offer creative solutions. Here are the highlights of this episode: Challenges of home ownership in the current market Importance of understanding individual financial situations and getting pre-approved Caution against waiting for lower interest rates as house prices may increase Need to consult professionals for accurate local market information Benefits of buying a house now, such as potential appreciation and future refinancing opportunities Consideration of personal comfort and needs when buying or selling Buying a primary residence for long-term stay as a good investment Potential for real estate to become a "get rich quick" scheme Caution against viewing the current market in the same way as past speculative periods Brian and David encourage listeners to work with professionals who understand the market and can offer creative solutions. Take the step towards informed decision-making, and may your real estate journey be marked by success and satisfaction. Connect with the experts, navigate the market wisely, and unlock the doors to your real estate aspirations. Have a real estate need or question? Book a consult with us today! ☎️ (843) 800-0065

When you're in the market for a new property, one of the first things you'll want to do is apply for a mortgage preapproval. This process can help you determine your budget, refine your house-hunting efforts, and give you an edge in a competitive market.  Let's walk through the basics of mortgage preapproval, how it differs from prequalification, and why it's important when buying a home.  Learn more about your ad choices. Visit megaphone.fm/adchoices

Mike and Dave Elkins are agents with Elite Realty Group located in Morristown, TN. Watch our Live shows on Facebook by visiting @eliterealtygrouptn. Show schedule is as follows: Lakeway Area Real Estate Talk Live - Wed @ 12 p.m.Elite Realty Group(423) 307-8566Licensed in TNEqual Housing Opportunitywww.eliterealtygrouptn.comFind us on:Facebook – www.facebook.com/eliterealtygrouptnInstagram - www.instagram.com/eliterealtygrouptn Twitter –  https://twitter.com/EliteRealtyTN Youtube - https://www.youtube.com/channel/UCP7cr50ofH30-TZqqXQAhVg

A pre-approval before purchasing a home will give you an idea of the loan amount that you can afford. It's necessary to get a mortgage pre-approval prior to selecting or even thinking about a particular property.   SO, ask host Sue Duffield, how she knows all this, and she'll tell you - it's been one intense experience after another. The details of purchasing a home, in this economy, let alone being self-employed, is the challenge. Then, as proven just the other day, there are some debts that need to be paid before all this show-down can happen. And the irony is, some of the debt that was created, which isn't collassal, has different account numbers, which when getting online to confirm your accounts, some of the numbers don't match up with the lender's numbers stated in the requirements!    Talk about details! It's a real test of faith with all this. But when proven to stay thankful and grateful throughout the entire process, with gratitude towards the banks, the underwriters and the lenders to all stay in sync until closing day, well let's just say - boy howdie - that'll preach!   God wants to be intimately involved in your life. Every detail, till that official "Closing Day!"   www.sueduffield.com

Doug Crouse explains why talking to your lender before you shop for homes can make your offer stronger when you find the perfect house. Your lender can run your credit and send your application through underwriting before you make your offer to get Loan Preapproval.  This helps to ensure you will not have any hiccups in getting the loan closed. It does require several days though, so planning ahead is key.  You can get a free copy of Doug's book Hippocratic House: Do No Harm When Purchasing Your First Physician Home at www.DougCrouse.com.

   A Mortgage pre-approval is a crucial step in the home-buying process that offers several advantages, such as simplifying house hunting, strengthening offers, and providing time to resolve potential issues. Many real estate agents and sellers require prospective buyers to obtain a mortgage pre-approval before they start house hunting. Having a pre-approval in hand makes the house hunting process more straightforward and efficient for both the buyer and their real estate agent.  In this episode, we will break down the different parts of the Pre-Approval Process.Subscribe to my new Youtube channel, "The Mortgage Motivation Podcast"https://www.youtube.com/@TheMortgageMotivationPodcastClick the link below to getGary's Digital Business CardGary Taylor | Co-Founder | Mortgage BrokerAffluent Mortgage LLCD:302-469-0709gary@affluentmtg.comwww.affluentmtg.com

Welcome to today's episode where Jeff jumps into the exciting world of buying a home. He'll guide you through the entire process, unraveling the mysteries and exploring the profound sense of pride that comes with owning your own place—a sanctuary you can truly call home. Picture it: a mortgage payment that's locked in, providing stability and a sense of belonging.To embark on this journey, we'll break down the steps to buying a home, ensuring you're well-prepared:1. Assessing your Financing Options: Discover whether you can secure financing or if you have the luxury of purchasing outright. We'll discuss the significance of obtaining loan approval or being able to write a check.2. Preapproval for a Mortgage: Engage in conversations with lenders to obtain preapproval for a mortgage. By understanding your financial goals, determining your budget, and considering crucial numbers like your monthly payment and available cash, you can confidently move forward.3. Seeking a Suitable Location: Explore the crucial decision of where to buy your dream home. We'll address the factors that influence this choice, such as proximity to amenities, neighborhood characteristics, and your personal preferences.4. Down Payment Considerations: Evaluate the funds you have available for a down payment, a critical aspect of the home-buying process. Additionally, we'll touch on the importance of your credit score and how it affects your options.5. Submitting an Application: Take the necessary steps to complete an application online, providing essential documentation to verify your income and assets. Expect a credit report to be run during this stage.6. Prequalification Consultation: After completing the necessary paperwork, engage in a prequalification consultation to ensure you're on the right track. This step establishes your eligibility and provides confidence as you progress.7. Home Shopping: With your prequalification in hand, it's time to search for your dream home. Rely on the expertise of your real estate agent, who will guide you through negotiations with the seller and their agent.8. Moving Forward: Once you've secured a contract, it's time to take the next steps. Writing a check to the title company initiates the process, while the following ten days allow you to cancel the contract and receive a full refund of your earnest money.9. Professional Inspection: Your real estate agent will arrange for a thorough inspection of the property by a qualified professional. Assuming all is well, you can confidently proceed with the transaction.As you can see, buying a home is an intricate process with various considerations. Join us as we navigate the nuances, empower you with knowledge, and provide invaluable insights into making your dream of homeownership a reality. Let's embark on this exciting journey together!Important Links & Info:Follow Jeff:Instagram: https://www.instagram.com/jeffsmithaz/Facebook: https://www.facebook.com/profile.php?id=100002927397116LinkedIn: https://www.linkedin.com/in/jeff-smith-40627016/Jeff Smith - Tiger Home Loans

There are so many unknowns when it comes to house hunting and it can all feel very overwhelming – especially if you are a first time homebuyer! As intimidating as it may seem, discovering what you can and can't afford is one controllable factor when looking for a home and it's actually easier to find out than you might think! In this Mini Money Minute, you will uncover what information you need to gather to get your pre-approval letter from a lender, why it's important to get that pre-approval and how lenders come up with that magic number

If you are in the process of getting a loan, you typically need to talk to the mortgage loan officer before you make an offer on a house to know if you qualify for the loan. The quickest way to know if you qualify if you get a Prequalification, which is given by the loan officer based on the information you provide. But sometimes you need to get a Preapproval, which is a loan that has actually been run through underwriting with all of your documentation submitted and reviewed by the bank. This is especially important if you have a complicated income, live on one of the coasts or are buying in a competitive market.  If you want a free copy of Doug Crouse's book Hippocratic House, you can go to www.DougCrouse.com.

Two interviews by director John Lampe. The first with actor Fredi Walker Brown about avoiding debt. The second with mortgage expert Chavi Kahan about the ins and outs of mortgages.    Fredi's Topics: ⭐️ Debt is the devil for arts workers ⭐️ Purchasing property without a mortgage ⭐️ Fredi's money mindset gleaned from Rich Dad Poor Dad and Jackass III.   Chavi's Topics: ⭐️ Mortgages ⭐️ Mortgage rates ⭐️ Preapproval & how much you can afford ⭐️ The advantages of mortgages, even if you have the cash to purchase a property outright. ⭐️ Mortgage requirements for freelancers, including non traditional mortgages   Quicklinks - Artistic Finance: https://linktr.ee/artisticfinance   Fredi Walker-Browne: https://www.instagram.com/missyfrediot/?hl=en https://bigspoonproductions.com/contact-us/link-tree/   Chavi Kahan: https://www.linkedin.com/in/chavi-kahan-bb465329/ https://crosscountrymortgage.com/chavi-kahan/   John Lampe: https://www.johnlampe.com/?page_id=17   Lowe Lighting Templates: https://lowe.lighting/pages/free-lighting-list-template   Instagrams: @missyfrediot @ethansteimel @artisticfinance