Podcasts about swbc mortgage

In our last episode, we talked to John Ragano of SWBC Mortgage to discuss financing a home. Today, I am joined by Sydney Beckman, Realtor at Jennifer Mack Properties of eXp Realty, to discuss the process of finding and buying your first home.   From your buyer's consultation to finding “the one” and finally making an offer, Sydney shares the ins and outs of buying your first home. Sydney explains the first thing you need to do before starting your home search and the steps you can take to ensure a smoother transaction.  Plus, why it's essential to work with a trusted real estate agent who can guide you through the process and help you make informed decisions.  Listen in to learn the most important factors to consider when searching for your dream home, what to know about new construction, why you shouldn't skip the home inspection, and more!  Interested in Real Estate as a career? Sydney shares the process of becoming an agent and the skills required to succeed.  Buying your first home can be a complex process, but with Sydney's guidance, you'll have the knowledge and tools to make informed decisions and navigate the journey with confidence. Thanks again for listening to "Leaving The Nest." I hope you enjoy my conversation with Sydney! Please leave us a review wherever you are listening and share this episode with others you know who are just Leaving the Nest.    In This Episode [00:32] - Kathleen welcomes Sydney Beckman, a Realtor from Jennifer Mack Properties of eXp Realty, to discuss the house-hunting process today. [01:48] - Sydney introduces herself and mentions that her team covers Northern Virginia, Maryland, and West Virginia [03:02] - The first step for first-time home buyers who want to work with a realtor. [05:04] - Sydney walks us through her buyer consult with every new client, where they discuss budget, location, size and qualities to look for in a house [06:41] - Sydney reveals a crucial aspect of working with first-time homebuyers: managing their expectations and how she guides them toward finding their dream home. [07:54] - Sydney's recommendations to buyers to help them get a better understanding of what they want. [09:26] - The benefits of going to open houses. [10:54] - What you can and (probably) cannot change—Sydney shares the dos and don'ts of house hunting and the most important things to consider that will help you find the right house for you. [13:19] - Kathleen shares her love for watching Fixer Upper with Joanna Gaines and how it relates to house-hunting [13:38] - Kathleen discusses how buyers often miss little details during showings. Sydney offers her advice for going through things in detail—especially approximately how long you should spend with a home inspector at the house.  [15:14] - Don't rely on Zillow— how to really get the inside scoop on houses in your price range that will be coming up for sale (especially in this low inventory market). [16:33] - Ready to buy? Sydney talks about what goes into making the right offer, the process of putting an offer on the house, and how to strategize the offer price based on the market and other factors. [18:16] - Kathleen talks about the importance of finding a trusted realtor and the one piece of advice she has for first-time home buyers.  [19:18] - There's a house for everyone—Sydney recounts an experience with clients who initially were only looking at resale houses but ended up finding their dream home in new construction within their budget. [19:56] - Kathleen talks about how she and Jason also wanted new construction, but the prices often skyrocket with added features. [21:39] - The inside scoop on new construction: Sydney shares her own experience of finding and purchasing a new construction home and the process of selecting a lot and model, plus what to be mindful of.  [25:33] - Knowing the players involved in your real estate transaction and what happens before you receive the keys.  [26:37] - Putting your trust in your realtor for more than just finding your dream home—how to work with them to line up the other professionals you need to get the deal done.  [27:55] - The importance of using local lenders and title companies. [30:21] - Thinking of a career in real estate? Sydney talks about becoming a realtor, the skills (and flexibility) required for the position, and her favorite part of the job. [34:21] -If you'd like to work with Sydney, you can contact her via her profile  or find her on Instagram!  [34:48] - To find your next job, visit us at ROCSjobs.com. If you are a business in need of help staffing entry-level positions in your office, please reach out to Kathleen directly at Kathleen@rocsjobs.com. If you have any comments, questions, or suggestions, please call Kathleen at 703-579-6677.   Resources: ROCS Grad Staffing Listen to Leaving The Nest Podcast    Connect with Kathleen: kathleen@rocsjobs.com LinkedIn  Call: 703-579-6677   Connect with Sydney: Sydney's Website  Instagram LinkedIn  

Today, I am joined by John Ragano of SWBC Mortgage to discuss the process of buying a home.   From credit management to down payments to financing options, John shares the ins and outs of buying a home and how to make informed decisions about your finances. He offers his expert insights on the current state of the housing market, the benefits of homeownership, and how to navigate the home-buying process as a first-time homebuyer.  Listen in as John shares the importance of understanding your options when it comes to financing your home, including down payment assistance programs, and low down payment loans. Plus, he offers his advice for those struggling with their credit on improving their score and qualifying for better loan options. Thanks again for listening to "Leaving The Nest." I hope you enjoy my conversation with John! Please leave us a review wherever you are listening and share this episode with others you know who are just Leaving the Nest.    In This Episode: [00:32] - Kathleen introduces the topic of buying your first home. She welcomes John Ragano  of SWBC Mortgage as her guest in part one of this two-parter to discuss the financial aspects and things to consider when buying your first home.  [02:03] - John Ragano introduces himself and his 30 years of experience in the mortgage business, including his background working for credit bureaus and how credit scoring has become crucial in personal finances. [03:26] - John discusses the importance of income and credit in home-buying (especially for recent graduates with student loans and the ease of getting credit cards). He offers advice for managing credit to the debt-to-income ratio when calculating affordability. [06:58] - John suggests parents can help their children build credit by adding them as authorized users on their credit card accounts. [07:52] - Kathleen shares her personal experience with credit cards. [08:57] - John applauds Kathleen's responsible behavior, discussing the importance of understanding credit and being responsible when using it. [12:00] - Kathleen discusses the importance of using credit cards instead of debit cards to prevent fraud and build credit. [13:22] - John suggests starting with a small credit limit and paying off the balance monthly to build credit. [14:10] - The difference between Credit Karma scores and the credit score modeling used in the mortgage industry. [15:15] - John explains the credit scores provided by Credit Karma and the credit bureau are different from the credit score modeling used in the mortgage industry and what they look for. [17:03] - John explains why credit scores can differ from bureau to bureau. [17:41] - John discusses why Credit Karma and other consumer-based credit scoring companies can differ significantly from other scoring methods. [18:34] - Why simply making payments on time is not enough—maxed-out accounts can hurt credit scores even if payments are made on time. [19:29] - Properly assessing risk and its impact on credit scores. [22:51] - Getting pre-approved for a mortgage: gathering information on your financial situation before proceeding with the pre-approval process. [25:31] - John shares the factors affecting a homebuyer's down payment. [27:23] - Making a budget you can live with—it's not just about how much you can qualify for. [29:57] - How the pre-approval process can help first-time homebuyers determine the price range they can afford so they can work with an agent to help them find properties that fit their budget and preferences. [31:40] - A good investment opportunity; consider the potential rental income when purchasing a home. [35:10] - John talks about the different types of loans available for home buyers, the down payment options, and the various down payment assistance programs offered by different states. [37:09] - John advises listeners to speak with a lender to learn about the costs and qualifications for buying a home and be bold and ask questions about the process. [38:33] - John emphasizes the importance of not buying into the noise and not being intimidated by the process. He shares that helping first-time home buyers is the most rewarding part of his job. [39:58] - Kathleen shares the importance of using resources to achieve goals and encourages listeners to contact John if they have any questions. [41:32]  - John adds that people who have had credit issues in the past can also talk to a lender and build a plan to improve their credit score instead of trying to fix credit on their own, as lenders have models that can help facilitate a better program. [42:47] - To find your next job, visit us online at rocsjobs.com. If you are a business in need of help staffing entry-level positions in your office, please reach out to Kathleen directly at Kathleen@rocsjobs.com. if you have any comments, questions, or suggestions. Feel free to give Kathleen a call at 703-579-6677.   Resources: ROCS Grad Staffing Listen to Leaving The Nest Podcast    Connect with Kathleen: kathleen@rocsjobs.com LinkedIn  Call: 703-579-6677   Connect with John: John Ragano | SWBC Mortgage  SWBC Mortgage

March 4, 2023 - Special Guest Dean Riddell & Matt McLean with SWBC Mortgage talk about Understanding Closing Cost https://deanriddellhomeloans.com/ https://www.swbcmortgage.com/matt-mclean www.beckyivins.com

November 19 - Special Guest - Dean Ridell with SWBC Mortgage

November 26 - Special Guest - Matt McLean with SWBC Mortgage - Assuming Loans

February 4, 2023 - Special Guest - Dean Ridell with SWBC Mortgage https://www.swbcmortgage.com/dean-riddell

Erica talks with Jennifer Prisock with SWBC Mortgage about credit and home buying. https://www.swbcmortgage.com/jennifer-prisock Learn more about your ad choices. Visit megaphone.fm/adchoices

Becky Ivins and Mark Carr talk with Dean Ridell from SWBC Mortgage. Can Mattress Money be used for a down payment? What about Gambling Wins?

In this episode, we pair up with Jeremy Radcliffe from SWBC Mortgage to give you the best information on how to present yourself as one of the best buyers in line. Jeremy is a mortgage guru, and after a 15 minute session with him, you'll see why we consider him as such!

Matt Graham with SWBC Mortgage is our guest. We will discuss mortgage rates and our current housing situation. How long with this market last. The answer may surprise you.

Becky Ivins Real Estate Team beckyivins.com

Jerry is a husband, father, and 26-year veteran of the mortgage industry. He has been married to his college sweetheart Michelle for 31 years and they have lived and raised their family of 5 children in the rolling hills of central Maryland for the last 22 years. He and Michelle founded Corridor Mortgage Group in the fall of 2000 and grew the company from 8 employees to a team of 150. In October 0f 2018 Jerry led the entire Corridor family through a transition to SWBC Mortgage where he serves as a Senior Vice President on the SWBC leadership team. In this episode Jason and Jerry discuss:Living an integrated life and the realization that home, work and faith are all integrated, not separate.Checking the hard and difficult things off your checklist first.Being willing to work harder than the next person in line to be successful.Being alert and looking for opportunities to engage others. Key Takeaways: Never make assumptions about your employees; they are people, not assets.The decision for people to leave or stay with a company has more to do with their confidence in and the integrity of leadership, and whether or not they will be able to make a difference in people's lives.Embrace change that takes you outside of your comfort zone—that will lead to the most growth. “I wanna do everything I can with that dash or that piece of life on this earth that I'm given to make a difference.” - Jerry Rader Mentioned: Grit by Angela Duckworth Connect with Jerry Rader:Instagram: https://www.instagram.com/swbcmortgage/Facebook: https://www.facebook.com/swbcmortgage/Website: www.swbcmortgage.comEmail: jerry.rader@swbc.comLinkedIn: https://www.linkedin.com/in/jerry-rader-8234abb/ https://www.linkedin.com/company/swbc-mortgage/ Connect with Steve and Jason:LinkedIn: Jason or SteveWebsite: Rewire, Inc.: Transformed Thinking Email: grow@rewireinc.com Show notes by Podcastologist: Kristen BraunAudio production by Turnkey Podcast Productions. You're the expert. Your podcast will prove it.

Becky Ivins Movers Real Estate beckyivins.com Matt McLean SWBC Mortgage https://www.swbcmortgage.com/matt-mclean

SOLD with Updike Pugh - Episode 108In the segment of SOLD with Updike Pugh, we invited Jeremy & Carly from SWBC Mortgage to give us an update on the current lender market and we asked them a few questions buyer and sellers always have.

SWBC Mortgage https://www.swbcmortgage.com/matt-mclean Becky Ivins Movers Real Estate beckyivins.com

Matt McLean - SWBC Mortgage https://www.swbcmortgage.com/matt-mclean Becky Ivins Real Estate Team beckyivins.com

Dean Riddell - SWBC Mortgage https://www.swbcmortgage.com/riddell Becky Ivins Real Estate Team beckyivins.com

Jeremy Radcliffe SWBC Mortgage by Jeff Updike & Weston Pugh

Today’s episode focuses on another timely and much-discussed topic – one that I’m sure you’ve been hearing and reading about in the media, on the news, on social media, and perhaps even in your conversations in office sales meetings and with your clients. We’re talking about mortgage forbearance in the time of COVID-19, and we're seeking to separate myth from fact.A very real consequence of the Sheltering-in-Place and quarantining across the country has been a financial one. With mandatory shut-down of businesses and essential vs. not essential classifications, as well as unemployment and furloughs, comes financial strain, and for homeowners that can mean the inability to pay their mortgage. The CARES Act has put some very specific provisions in place regarding mortgage forbearance, and here to talk with us today are Susan Stewart, CEO of SWBC Mortgage Corporation and Chair-Elect of the Mortgage Banker's Association, as well as Georgia’s own Rebecca King, loan officer and branch manager of the Blairsville, Georgia, SWBC Mortgage Corp location.Does Fannie Mae or Freddie Mac Own Your Client's Mortgage? https://www.makinghomeaffordable.gov/get-answers/Pages/get-answers-find-out-mortgage.aspx-- Look Up Your Fannie Mae Mortgage: https://www.knowyouroptions.com/loanlookup-- Look Up Your Freddie Mac Mortgage: https://ww3.freddiemac.com/loanlookup/NAR's Coronavirus Resources for Property Owners: https://www.nar.realtor/coronavirus-resources-for-property-owners-- Printable Version of the Above For Your Clients: https://narfocus.com/billdatabase/clientfiles/172/28/3581.pdfNAR's Coronavirus Mortgage & Personal Finance FAQs: https://www.nar.realtor/political-advocacy/coronavirus-mortgage-and-personal-finance-faqsNAR's Coronavirus Provisions for REALTORS® and Their Consumers: https://narfocus.com/billdatabase/clientfiles/172/21/3613.pdf (printable)CFPB: CARES Act Mortgage Forbearance - What You Need to Know: https://www.consumerfinance.gov/coronavirus/cares-act-mortgage-forbearance-what-you-need-know/REALTOR® Magazine: "As Forbearances Requests Rise, NAR Dispels Myths: https://magazine.realtor/daily-news/2020/04/08/as-forbearance-requests-rise-nar-dispels-mythsSUSAN STEWART: Susan Stewart is the Chairman-Elect of the MBA and Chief Executive Officer of SWBC Mortgage headquartered in San Antonio, TX. Stewart’s visionary leadership has been the catalyst behind the company growing from 3 employees serving the Texas market to more than 650 employees in over 70 branch locations. Under her unwavering focus, SWBC Mortgage has grown from a small regional broker to a national industry leader, providing a full-service origination-to-servicing experience for borrowers in 43 states. Stewart leads a team that leverages cutting- edge technology, delivering industry-leading speed and service while providing a personal, experienced touch to the dream of home ownership.Stewart currently serves as a member of the MBA’s Board of Directors and is past Vice Chair of the MBA’s Residential Board of Governors (RESBOG). She and SWBC Mortgage are committed to making the communities they serve brighter, more hope-filled places, and to that end she serves on the board of the MBA Opens Doors Foundation. Both Stewart and SWBC Mortgage have been recognized personally and corporately as Guardian level donors to the Opens Doors Foundation. REBECCA KING: My career in Banking led me to work with banks both large and small local banks in Management, Commercial and Retail lending. I was serving as Senior Vice President and City Executive for Bank of Hiawassee in 2008 -2014. After the downturn, I chose to leave traditional banking and focus on mortgage lending – which had always been my true passion – helping people obtain the dream of homeownership. I joined Corridor Mortgage group in 2014 opening a branch in Blairsville. Corridor joined with SWBC mortgage in October 2018 – a move that has given us many more products and the capability to better serve our clients and REALTOR® partners.Rebecca can be reached at 706.487.8003 (office) via email at rebecca.king@swbc.com and also online at swbcmortgage.com/rebecca-king. See acast.com/privacy for privacy and opt-out information.

SWBC Mortgage https://www.swbcmortgage.com/riddell Becky Ivins Real Estate beckyivins.com

Dean Riddell - SWBC Mortgage https://www.swbcmortgage.com/riddell Becky Ivins Real Estate Team beckyivins.com

Dean Riddell - SWBC Mortgage https://www.swbcmortgage.com/riddell Becky Ivins Real Estate Team beckyivins.com

Live from the SWBC Mortgage studio Bryan Broaddus, Mickey Spagnola and Bill Jones break down the latest on Zeke's hold out.See omnystudio.com/listener for privacy information.

Live from the SWBC Mortgage studio Bryan Broaddus, Mickey Spagnola and Bill Jones break down the latest on Zeke's hold out.

We all want to own a business and step out of production. But do we want this because we’re better at managing our business or because everyone else is trying to get there? When does it make sense to stay in production? In what cases isn’t growth a positive change? And how can we get better at prospecting? In this episode, John Burnam talks about finding our strengths and the tactics he uses to prospect and nurture his database.   Three Things We Learned From This Episode More volume doesn’t always mean more profit (03:00-04:30) Don’t grow too fast. There are many challenges that come doing so, and in some cases, fewer units can sometimes lead to more income. At the end of the day, it’s not about how many units we make but how much profit we have. But every now and then our ego makes us blind to this and we just want to be able to say we sold a certain number in sales volume.   Staying in production isn’t a bad thing if it suits our skillset (06:00-07:00) We all want to have the title of business owner, but the truth is that some of us make more money while in production because this is what we’re good at. We have to ask ourselves what our strengths are, because if we allow ourselves to be led by our pride, we might end up playing to our weaknesses.   Categorize the contacts in your database (18:00-19:00) Categorizing everyone in our database makes it easier for us to organize our work and decide when we need to call certain people. Also, we need to ensure that each call we make has a purpose, whether to build rapport, ask for referrals, or promote something.   Resources Take your mortgage business to the next level. Visit nextlevello.com for more information. Click here to schedule your free no-obligation Next Level Coaching Call: https://nextlevello.com/schedule   Whether we’re running a company or still in production, we need to organize the contacts in our CRM and create a folder with tasks for each day of the week. This way, we can ensure that nobody in our database is neglected. When it comes to staying in touch with people, it’s also important to find a way to provide value and to have a reason why we’re calling. Otherwise, the people in our database will stop answering our calls.   Guest Bio- John Burnam is a mortgage loan originator at SWBC Mortgage in Austin, Texas and has over 15 years of experience in the mortgage industry. His mission is to provide excellent rates and service, and he’s managed to do so with his highly qualified team.

Cover 4 host a podcast from the SWBC Mortgage studio at The Star.See omnystudio.com/listener for privacy information.

Cover 4 host a podcast from the SWBC Mortgage studio at The Star.

Nate Newton kicks off the 2018 Cowboys Legends Radio Show presented by SWBC Mortgage