POPULARITY
I do Residential Mortgages in the State of Florida only, that is where I am licensed. Most of my business is from Pinellas, Hillsborough, and Pasco County. I am doing more loans all over the State as time goes on. I love to go to my closings and will drive up to 1 hour to be there at your closing. I do Fnma/FHMC, FHA, VA, C/p, Nonqm mortgages. On the Commercial side the whole Country is open and if you are having difficulty with your lender and not going anywhere, go to www.ddamortgage.com and complete a form and I will get back with you. Technology has made it so easy to help get your mortgage processed and closedI am always available to help out and I answer your questions and teach you along the waytune in and learn at https://www.ddamortgage.com/blogdidier malagies nmls#212566dda mortgage nmls#324329 Support the show
Together in Business as a Married Couple, with Brenda and Geoff Smith, Assurance Financial (Family Business Radio, Episode 61) In this episode of Family Business Radio, host Anthony Chen interviews Geoff and Brenda Smith from Assurance Financial. The couple shares their journey of building and managing their family business while navigating personal and professional challenges. […]
Together in Business as a Married Couple, with Brenda and Geoff Smith, Assurance Financial (Family Business Radio, Episode 61) In this episode of Family Business Radio, host Anthony Chen interviews Geoff and Brenda Smith from Assurance Financial. The couple shares their journey of building and managing their family business while navigating personal and professional challenges. […] The post Together in Business as a Married Couple, with Brenda and Geoff Smith, Assurance Financial appeared first on Business RadioX ®.
Navigating Mortgage Solutions, with Mark Hutchins, Good Friend Mortgage (North Fulton Business Radio, Episode 798) In this episode of North Fulton Business Radio, host John Ray welcomes Mark Hutchins from Good Friend Mortgage. Mark shares insights on Good Friend Mortgage’s history, his extensive experience in the mortgage industry, and the unique approach to client relationships […] The post Navigating Mortgage Solutions, with Mark Hutchins, Good Friend Mortgage appeared first on Business RadioX ®.
Navigating Mortgage Solutions, with Mark Hutchins, Good Friend Mortgage (North Fulton Business Radio, Episode 798) In this episode of North Fulton Business Radio, host John Ray welcomes Mark Hutchins from Good Friend Mortgage. Mark shares insights on Good Friend Mortgage’s history, his extensive experience in the mortgage industry, and the unique approach to client relationships […]
Home Loans Radio 02.10.2024 With That Mortgage Guy Don. Commercial Loans, SBA Loans, Residential mortgages. We do them all!
After talking about John's background in the mortgage business, Mark and John talk about the boom times over the last few years and low-interest cycles. John talks about the current regulatory climate today and what he expects the mortgage market to look like over the next few years.IN THIS EPISODE:[2:22] John describes how First Heritage operates and his professional background[5:52] John explains how he evaluates and reacts to the ups and downs of interest rates[9:19] What makes a credit union successful in the mortgage business as opposed to those that are not[12:45] John discusses government loans and how interest rates during the pandemic have affected the housing market[17:18] John talks about the reasons that apartment and condo construction is up, the shortage of new homes and the amount of down payment required to purchase[21:54] John discusses retaining mortgages, selling the mortgages, and liquidity solutions overall for credit unions [25:22] John gives his short and long-term mortgage predictions KEY TAKEAWAYS: First Heritage provides services and skill sets unavailable within most credit unions. There has been a housing recession since June of 2022. Home prices increased in value at a steep rate, and mortgage rates followed, resulting in a problem with the housing cycle and a lack of inventory. The average down payment required to purchase a home is $60,000.FHA, VA, and USDA can assist with lower down payments, making it possible for first-time home buyers to purchase. RESOURCE LINKS:Mark Ritter WebsiteMBFS - WebsiteMark Ritter - LinkedInFirst Heritage - WebsiteJohn Giordano - EmailBIOGRAPHY:John Giordano is a longtime mortgage industry veteran and is currently the CEO of First Heritage Mortgage Services. First Heritage assists credit unions nationwide with all things residential mortgages.
Rushion interviews Tanya Blanchard, she founded Madison Chase Capital Advisors—a mortgage brokerage firm with affordable closing costs and tips on upping the value of your home before selling it. Her firm offers Home Equity Loans, Residential Mortgages, VA Loans, Extensive Education on buying a home, For The First-Time Home Buyer, Residential Mortgages Online, FHA and Jumbo LoansSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.
Rushion interviews Tanya Blanchard, she founded Madison Chase Capital Advisors—a mortgage brokerage firm with affordable closing costs and tips on upping the value of your home before selling it. Her firm offers Home Equity Loans, Residential Mortgages, VA Loans, Extensive Education on buying a home, For The First-Time Home Buyer, Residential Mortgages Online, FHA and Jumbo LoansSee omnystudio.com/listener for privacy information.
Rushion interviews Tanya Blanchard, she founded Madison Chase Capital Advisors—a mortgage brokerage firm with affordable closing costs and tips on upping the value of your home before selling it. Her firm offers Home Equity Loans, Residential Mortgages, VA Loans, Extensive Education on buying a home, For The First-Time Home Buyer, Residential Mortgages Online, FHA and Jumbo Loans Rushion interviews Jasmin Brown discussing multiple streams of income with actress starring in Tyler Perry's Zatima, Sistas and House Party, writer, producer, standup comedian with “Rent Due' comedy tour, and social media influencer. She has created her own alter-ego Toya Turnup which started on social media and is now on the comedy stage. Jasmin has a loyal following on both her Instagram accounts with Toya Turnup having 635K followers and her WatchJazzy page having 1.2 million followers.Support the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.
Rushion interviews Tanya Blanchard, she founded Madison Chase Capital Advisors—a mortgage brokerage firm with affordable closing costs and tips on upping the value of your home before selling it. Her firm offers Home Equity Loans, Residential Mortgages, VA Loans, Extensive Education on buying a home, For The First-Time Home Buyer, Residential Mortgages Online, FHA and Jumbo Loans Rushion interviews Jasmin Brown discussing multiple streams of income with actress starring in Tyler Perry's Zatima, Sistas and House Party, writer, producer, standup comedian with “Rent Due' comedy tour, and social media influencer. She has created her own alter-ego Toya Turnup which started on social media and is now on the comedy stage. Jasmin has a loyal following on both her Instagram accounts with Toya Turnup having 635K followers and her WatchJazzy page having 1.2 million followers.See omnystudio.com/listener for privacy information.
YVR REMO Show - Real Estate & Mortgage Experience in Vancouver
Today we look at Commerical Mortgages and how they differ from Residential Mortgages. We get a lot of questions about commercial financing and we want to outline the significant differences for you! Leave us a rating on this episode! Check Out Our Links Below! ⬇️ www.thrivemortgage.ca // Check out all of our content by clicking here! --- Send in a voice message: https://podcasters.spotify.com/pod/show/yvrremoshow/message
Mark Livingstone, Principal of Cornerstone First Financial. Washington DC's trusted voice in Residential Mortgages, joined WMAL's "O'Connor and Company" radio interview on Monday about the Fed recently raising interest rates by 0.75 percentage points, the sixth increase this year. Website: https://www.cornerstonefirst.com/ For more coverage on the issues that matter to you, visit www.WMAL.com, download the WMAL app or tune in live on WMAL-FM 105.9 FM from 5-9 AM ET. To join the conversation, check us out on Twitter: @WMALDC, @LarryOConnor, @Jgunlock, @patricepinkfile and @heatherhunterdc.See omnystudio.com/listener for privacy information.
Episode Summary In this episode of Get Real Wealthy Season 2, Quentin talks about the differences between commercial financing and residential financing. Quentin says that residential financing is usually for one-to-four-unit properties, while commercial financing is usually used in the case of five or more properties. These could be industrial properties, retail properties, storage units, etc. The financing process is different depending on the type of financing. For example, for apartment buildings, you may only get a 75% to 70% loan to value if you're doing conventional financing. That means that you have a higher down payment. If you're doing a single-family home or a rental property, it's very possible that you can have a lower amount that you can put down, and get a higher loan to value. With commercial financing, to get a higher loan to value you can use CMHC financing on commercial properties and you can go to 80% to 85% loan to value, sometimes even higher. In conventional financing, you're usually doing 25-year amortization but if you are in commercial financing with CMHC, you can do 30, 35 years, sometimes even 40 years amortization, and this will lower your monthly cost. When you're looking at residential properties, typically, it's based on your debt coverage ratio, which means how much your property can debt service. He adds that if you are getting CMHC funding on a commercial property, it's going to take four or five months to get that and that usually isn't conducive to closing on an apartment building. So usually, you have to use some sort of bridge mortgage that gets you from the person to when CMHC financing is ready. He further adds that when you're looking at commercial buildings, you're usually looking at cap rate, the cap rate is made up of interest rate, the location of the property, and the quality of the asset. For residential properties, the cap rate is based on the comparative method. There is a lot more paperwork involved in the case of commercial financing as compared to residential financing, so he suggests preparing everything in digital format ahead of time. The broker fees in case of commercial financing are also very high. When you're dealing with financing for commercial property, often they're going to be asking for phase one, phase two, and hopefully, you never get to a phase three, but phase one is usually a historical understanding of the environmental contamination of a particular building. Once you get a phase two done and it comes back clean, then you're able to get your financing in place. You will also have to get a building condition report and appraisals, which can cost around $3,500 each. residential properties if you are doing a lower down payment because it's your first property not necessarily an investment property, but it could be if you're living in one of the units and it's a multi-unit property, you would be able to get a lower down payment and you would be paying that insurance or CMHC fee in order to do that. Important Links and Resources https://educationrei.ca (https://EducationREI.ca) https://getrealwealthy.com (https://GetRealWealthy.com) https://durhamrei.ca (https://DurhamREI.ca)
Mark Hutchins, Silverton Mortgage (North Fulton Business Radio, Episode 406) The residential real estate market has been moving fast, and Mark Hutchins of Silverton Mortgage provided great guidance on this episode on how to address your mortgage needs. Mark joined host John Ray to discuss renting vs. buying, getting prepared to buy, investment properties, and much […] The post Mark Hutchins, Silverton Mortgage appeared first on Business RadioX ®.
In the first episode of THE 966, Richard Wilson and Lucien Zeigler discuss their "one big thing" this week in Saudi Arabia. Then the two hosts discuss the meaning behind Saudi Arabia's National Day, the dramatic increase in new residential mortgages in the Kingdom, and assessing U.S.-Saudi relations under President Biden so far.
New Emergency CFPB COVID-19 Regulations re Residential Mortgages go into effect August 31, 2021. 1% Mortgage Rates by the end of the year? Don't laugh, we have solid reasons why and why deflation, not inflation is the biggest problem facing the Fed. Listen to Spencer interview noted financial advisor Steven Van Metre. Hear what Americans think about the social and political divide in this nation, as Spencer interviews America in the Where is the Love? Segment. New CFPB Emergency Regulations: The potential impact of variants aside, it is clear that the pandemic has receded in the U.S. Even so, stimulus and forbearance programs on federal, state and local levels continue at a record pace. This seems to be morphing from needed emergency economic assistance to social engineering. In in our Legal Segment, we will analyze some of the economic factors impacting recovery in the U.S. and will look at recent emergency C-19 regulations issued by the CFPB to prolong mortgage foreclosure relief into 2022 and beyond. 1% Mortgage rates by Year End? In our interview segment, Spencer interviews Steven Van Metre, a noted financial advisor who believes that this may be inevitable. Steven has espoused a contrarian position over the last year, calling for deflation and predicting that government bond yields would nose dive, when almost everyone else was and is calling for inflation and skyrocketing rates. Learn why, and protect yourself now, if you agree. Finally, in our where is the Love Segment: We will find the love in the American People. Join Spencer and his lovely assistant the one and only Marti Scheer as they go across the country to interview people asking one simple question: IF YOU WERE THE PRESIDENT OF THE U.S. FOR ONE DAY AND COULD DO ONE THING TO MAKE THIS COUNTY BETTER, WHAT WOULD YOU DO? You may be surprised at the answers they received. Disclaimer: None of the legal, or financial opinions or information expressed in this podcast may be relied on as legal, or investment advice by Scheer Law Group, LLP. Laws and economic issues affecting the subjects of this podcast change daily. This mandates specific review of legal or economic issues of interest or concern to you with legal counsel or financial advisors who are experienced in the areas of law or finance discussed in this podcast. For more on Scheer Law Group, LLP, go to www.scheerlawgroup.com
The Dream Home Experts Talk with Kent Jones from Mchenry Savings Bank, the Producing Regional Manager of Residential Mortgages. With the Real Estate market as wild as it is, it is important to have a good person who knows the lending landscape. Join the Experts as they uncover the important things to know to help you navigate through what can be a stressful time.
Ben Hawkins of Cross Country Mortgage joins Justin to discuss wiring scams, credit score restoration, debt to income ratios, and how late payments can affect your credit score.
This is Episode 11 of The Best of the Best: Maverick's Guide To Success with Maverick Levy & today he's here to discuss: Following @tbotbpod on all social medias. Then it's an honor & a privilege to have Richard Mandell (Senior Vice President of Rocket Mortgage) on the show to discuss: Where he grew up, starting in the mortgage industry in 1996, Keeping Things Gump, Residential Mortgages, YOURgages, different types of mortgages, qualifying for a mortgage, the importance of assets & personal profiles, debt to income ratio, a Pre-Approval letter & verified approval, an inside scoop from the pandemic, names that can be on a mortgage, timeframe of getting a mortgage, mortgage rates & cost, down payments & FHA Loans, Mortgage Insurance, those who owe back taxes, proof of home owners insurance, dealing with the right lender, what sets Rocket Mortgage apart, Dan Gilbert & company leadership, hiring for careers, downloading the Rocket Mortgage App or visiting the website to try and obtain a mortgage, what he wishes he knew in his early 20's & so much more. This episode is not to be missed! Contact: RichardMandell@QuickenLoans.com Visit: www.RocketMortgage.com Levy & Associates Discount: Maverick by calling: 1-800-TAX-LEVY Email: mlevy@levytaxpro.com Website www.levytaxhelp.com Follow: @tbotbpod & @dbpodcasts on Twitter & Instagram Bookmark: www.tbotbpod.com Produced by: www.dbpodcasts.com
A corporate mortgage is down but conditions seem favourable to new home buyers. Carl Coetzee, CEO at Better Bonds explains why home mortgages are outpacing corporate mortgage growth. Interest rates are at their lowest level in about 57 years. Guest: Carl Coetzee, CEO at BetterBond Host: Africa Melane, Early Breakfast Topic: Finance: residential mortgages growth outpacing corporate mortgage See omnystudio.com/listener for privacy information.
The tool that literally pays you to take money over the course of time. In today's Better Wealth Episode of From the Front-lines, Jereme and I talk about the power of the residential mortgage. I dive deeper into my idea of “Cost of Capital” or “Control Cost” and how opportunity cost (good or bad) relates. Listen as Jereme walks through a front-line case study of how a Residential Mortgage helped a client live more intentionally. Jereme breaks down why Residential Mortgages are one of the most efficient debt vehicle tools and how it works where you are literally paid to take money over the course of time when done correctly. Jereme challenges listeners: If you have a home with potential equity and a financial model with some line items with inefficiencies, use your debt scorecard, look at what the cost of capital would be in order to control a greater amount of money, and then ask yourself how does this farther my financial model towards where I want to go? #BETTERWEALTH BetterWealth Links & Resources: Episode #202: The Bad Debt Framework (https://betterwealth.captivate.fm/episode/the-bad-debt-framework)
Residential Mortgages and Commerical Mortgages. There is a lot of differences and you should know what they are. As you become a seasoned investor you will just about be forced to utilize a commercial mortgage on all properties moving forward, especially if it is over 5 units. Today we speak to Nicholas LaFlair, Senior Commerical Loan Officer for Visions Federal Credit Union out of Syracuse, NY. Stay up to date with podcast episodes and everything real estate by following myself, Danté Belmonte on my Instagram @dantebelmonte. I hope you enjoyed this episode and were able to take away some helpful information for your journey in Real Estate Investing!
Have you considered taking action with one of the hottest growing trends in the mortgage industry? It's certainly something that nearly all mortgage professionals are talking about! In today's Hot Topic segment we've got Vince Parlove, Director of Wholesale Development at United Wholesale Mortgage, as our guest to talk about this growing channel in the mortgage industry! Vince Parlove started his career right out of college with The Associates Financial Services as an Account Representative. His role was fairly broad at the Associates from writing small personal loans thru Auto loans and Residential Mortgages. Great training ground! After the Associates he owned a Wholesale company called Franklin Mortgage Funding/FMF Capital and started his career in the Broker/Wholesale world. That company was a startup and he took that organization to 600 employees and a high water mark of over 5bb in volume. After the run at FMF Capital, Vince joined an organization called Michigan Mutual. He brought over a Retail/Consumer Direct piece to them. As that piece grew he was asked to become the President of the organization and oversee both the wholesale and retail channel. He grew that organization to approximately 500 employees and 2bb dollars in annual volume at its height. Today Vince is the Director of Wholesale Development at UWM. He has a team that helps folks set up their entity, get their Independent Mortgage Broker license, get approved with respective Wholesale lenders and finally build their business. Read more... Have you considered taking action with one of the hottest growing trends in the mortgage industry? It's certainly something that nearly all mortgage professionals are talking about! In today's Hot Topic segment we've got Vince Parlove, Director of Wholesale Development at United Wholesale Mortgage, as our guest to talk about this growing channel in the mortgage industry! Vince Parlove started his career right out of college with The Associates Financial Services as an Account Representative. His role was fairly broad at the Associates from writing small personal loans thru Auto loans and Residential Mortgages. Great training ground! After the Associates he owned a Wholesale company called Franklin Mortgage Funding/FMF Capital and started his career in the Broker/Wholesale world. That company was a startup and he took that organization to 600 employees and a high water mark of over 5bb in volume. After the run at FMF Capital, Vince joined an organization called Michigan Mutual. He brought over a Retail/Consumer Direct piece to them. As that piece grew he was asked to become the President of the organization and oversee both the wholesale and retail channel. He grew that organization to approximately 500 employees and 2bb dollars in annual volume at its height. Today Vince is the Director of Wholesale Development at UWM. He has a team that helps folks set up their entity, get their Independent Mortgage Broker license, get approved with respective Wholesale lenders and finally build their business. Read more...
Have you considered taking action with one of the hottest growing trends in the mortgage industry? It's certainly something that nearly all mortgage professionals are talking about! In today's Hot Topic segment we've got Vince Parlove, Director of Wholesale Development at United Wholesale Mortgage, as our guest to talk about this growing channel in the mortgage industry! Vince Parlove started his career right out of college with The Associates Financial Services as an Account Representative. His role was fairly broad at the Associates from writing small personal loans thru Auto loans and Residential Mortgages. Great training ground! After the Associates he owned a Wholesale company called Franklin Mortgage Funding/FMF Capital and started his career in the Broker/Wholesale world. That company was a startup and he took that organization to 600 employees and a high water mark of over 5bb in volume. After the run at FMF Capital, Vince joined an organization called Michigan Mutual. He brought over a Retail/Consumer Direct piece to them. As that piece grew he was asked to become the President of the organization and oversee both the wholesale and retail channel. He grew that organization to approximately 500 employees and 2bb dollars in annual volume at its height. Today Vince is the Director of Wholesale Development at UWM. He has a team that helps folks set up their entity, get their Independent Mortgage Broker license, get approved with respective Wholesale lenders and finally build their business. Read more...
Episode 6 of CRYSTALCAST features Phil Quinn of Pepper Money.Crystal Specialist Finance's new podcast series continues with another guest from the world of specialist finance providing you with expert insight and helping you to either write more sector business or start for the first time.Episode 6 features Pepper Money's National Sales Manager Phil Quinn who joined Kris Corns to talk us through the specialist Buy to Let and Residential markets, why these products are more appealing to brokers than ever before and why you should be considering specialist finance even when the majority of your clients seem to fit the mainstream mould.Phil Quinn said: "For brokers it is absolutely imperative to bring yourself up to date with what is happening in the market. Get out there, get to know lenders, BDMs and Crystal to know what services and products are available.”Support the show (https://www.crystalsf.com/)
Have you ever wondered how the mortgage market is doing since multiple interest rate hikes in 2017 and 2018? How residential mortgages were affected since the January 2018 Stress test was instituted?I am excited to bring on an industry expert - Arthur Berlin to take a deeper look into residential mortgages in 2019 and the overall market outlook for the year. Don't miss this episode!Michael Soudebov / Broker 647-290-0236 / michael@rightcondos.comhttps://rightcondos.comhttps://www.instagram.com/rightcondos/
Regional broker and director of SMS Finance Colin Mason has broken into the Elite Business Writers ranking 2018, placing 10th after having written more than $150 million in residential mortgages in the last financial year. In this episode of Elite Broker, Colin joins host Annie Kane to discuss his thoughts on the current lending environment and share how he is bringing in numbers that can compete with those in significantly larger markets. You will also find out: - How he ensures that all applications are complete and submitted within 48 hours - How he is creating a strong referral network - The one occasion where he considered changing careers - and what made him reconsider And plenty more!
Joe Moss and Tom Hogan On this episode of On the Money , host Joe Moss discusses residential mortgages with Tom Hogan, Senior Vice President of Residential Mortgage Banking at Embassy National Bank. Tom Hogan/Embassy National Bank A new building with an old soul, Embassy National Bank was founded in 2007 to meet a need of its […] The post RESIDENTIAL MORTGAGES: Learning From an Expert appeared first on Business RadioX ®.
On this episode of “On the Money“, host Joe Moss discusses residential mortgages with Tom Hogan, Senior Vice President of Residential Mortgage Banking at Embassy National Bank. Tom Hogan/Embassy National Bank A new building with an old soul, Embassy National Bank was founded in 2007 to meet a need of its community: a truly business-friendly local […] The post RESIDENTIAL MORTGAGE UPDATE: Tom Hogan with Embassy National Bank appeared first on Business RadioX ®.
Cincinnati Business Talk highlights the positive side of Cincinnati area businesses. We will be talking to CEOs who have won awards, innovated with new products and services. Today's show will feature Phil Forbes of First Place Bank. First Place Financial Corp. is a $3.1 billion financial services holding company based in Warren, Ohio. First Place Financial Corp. operates 41 retail and ATM locations and 20 lending centers throughout the Midwest. We;ll talk about mortgages. Cincinnati Business Talk highlights the positive side of Cincinnati area businesses. We will be talking to CEOs who have won awards, innovated with new products and services. The show streamed on Friday February 7th at 4 PM. Listen to this link: http://tobtr.com/s/4296735 You can listen to the show on Apple iTunes as a Podcast. You can add the podcast at: http://www.blogtalkradio.com/Cincy-Business-talk.rss You can add Cincy-Business-Talk as an RSS feed to your Outlook email program. The exact feed http://www.blogtalkradio.com/Cincy-Business-talk.rss
Cincinnati Business Talk - pre-record show. Cincinnati Business Talk highlights the positive side of Cincinnati area businesses. We will be talking to CEOs who have won awards, innovated with new products and services. Today's guest is Ryan A. Kiefer, Branch Manager of Prime Lending. He is a strong leader and has built a large Mortgage loan company in a short period of time. His perspectives on current HOT Residental Mortgage business topics. The show streamed live on Thursday August 16th at 4 PM. Listen to this link: http://tobtr.com/s/3597429 You can listen to the show on Apple iTunes as a Podcast. You can add the podcast at: http://www.blogtalkradio.com/Cincy-Business-talk.rss You can add Cincy-Business-Talk as an RSS feed to your Outlook email program. The exact feed is http://www.blogtalkradio.com/Cincy-Business-talk.rss