PODCAST · society
4ThePLAN
by The Mortgage Planner
Join Brad and Jacob Roche, The Mortgage Planners, as they engage both consumers and real estate professionals in insightful discussions on real estate, mortgages, and financial strategies in this dynamic talk show. For more information visit www.4thePLAN.com
Episodes
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Cost Segregation 101: The Tax Strategy Most Investors Never Hear About
Own an investment property worth $300K or more? In this conversation, Brad Roche sits down with Terry Judge, CEO of Core Advisors, to walk through what cost segregation is, why most CPAs never bring it up, and how a study can move a large share of a property's value into accelerated depreciation....
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Buyers Market? How to Spend Seller Paid Costs the Smart Way
Nearly half of sellers are offering concessions right now. The real question is what you do with the money. Brad breaks down seller paid costs, rate buydowns, and closing cost credits, and how Charlotte and Lake Norman buyers can turn a seller concession into a lower monthly payment. Get the plan...
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What Is Your Home Worth? Get Your Free Home Report
Own a home in the Charlotte area? Your free Home Report shows your home's value, your equity, and what that equity could do next. Get yours at 4theplan.com.
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Save Thousands on Your Mortgage With the Right Plan
Thinking about buying a house in today's market? Sellers are paying concessions and rates keep moving, but there is a smarter way to play it. Brad shows how the right plan can save you thousands, with a real equity example from Charleston. More at 4theplan.com.
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Seller Paid Closing Costs: The New Rate Cut for Buyers
Do you know where the market is right now, and how to make the right offer in it? Brad explains why a seller paid closing cost credit can work like a rate cut, and how buyers are using buydowns to cut their monthly payment. More at 4theplan.com.
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Buying Your First House?! The First-Time Buyer Plan
Buying your first house in Charlotte or Lake Norman? Brad walks through the plan: preapproval, down payment options, closing costs, and the mistakes first-time buyers make in the first 30 days. Start with a plan, not a panic. More at 4theplan.com.
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Buying in Today's Market? Get a Plan First
Rates move and headlines shout, but buyers with a plan still win. Brad lays out how to build your mortgage plan in today's market: payment first, then rate, then timing, with real examples from Charlotte area buyers. More at 4theplan.com.
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Summerville Housing Market Update: Buying and Selling in 2026
Brad broadcasts from Summerville, South Carolina: what is happening in the Summerville and Charleston housing market, what buyers and sellers are seeing on the ground, and how to plan your move. More at 4theplan.com.
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Is it time yet?
Is it time to buy, sell, or refinance? Brad Roche breaks down how to read the signals that matter, from mortgage rates and home prices to your own timeline and budget. If you have been waiting on the sidelines in Charlotte or Lake Norman, this episode helps you decide when the right move is now…
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NEW!! 5% Down One Time Close Construction Loan!
Just 5% down to buy the lot, build your home, and lock in your 30 year or 15 year fixed mortgage using our One Time Close Construction Loan. Up to 10 acres and available for modular and stick built primary residences.
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Special guest Logan Abrams on the current market and more...
🎙️ Welcome special guest- Logan Abrams from Realty One Group Revolution. Logan is a dedicated Realtor with a passion for helping clients navigate the real estate market. With his extensive knowledge and experience, he provides invaluable insights that empower buyers and sellers alike.You can…
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Spring Investing
Today we’re diving into topic that’s perfect for this time of year: Investing and moving up in the spring market, before the buyer rush! Whether you’re a first-time investor, looking to upgrade your current home, or planning your next big move, this episode is packed with valuable insights to…
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🎙️ Exciting Podcast Episode with Alison Alston! 🏡
This week, we had the pleasure of sitting down with the incredible Alison Alston, a leading agent at Lodestone Real Estate, to discuss all things real estate, market trends, and success strategies! Alison brings unmatched expertise, a passion for helping clients find their dream homes, and a…
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From Homes to Businesses: Navigating Real Estate and Entrepreneurship with Insights from Haydn Flores
🎙️ Join us for an insightful discussion with Haydn Flores, a seasoned advisor from Viking Mergers & Acquisitions. This week, we’re diving into the world of buying and selling businesses, exploring the strategies and secrets behind successful transactions. Whether you're a seasoned entrepreneur…
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Investor Insights Part 1: Understanding Property Types and Classifications
In the first segment of our three-part series for investors, we dive into the world of property types and classifications. Our discussion covers the essential categories of real estate investments, including residential, commercial, industrial, and mixed-use properties. We explore the unique...
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What's your story?
Every home has a story, and every buyer brings one to the closing table. Brad Roche talks about why your story, your goals, your timeline, and your why, matters more than any single mortgage product when you build a home loan plan. A good plan starts with listening, then matches the financing to...
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Watch it! Too good to be true? Know the details...
Too good to be true is a real thing in mortgages. Brad Roche walks through the teaser offers, fine print, and gotchas that can hide inside a home loan quote, and shows you how to compare offers on the full details instead of the headline. Know what questions to ask before you sign anything. More…
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The Winter Homeowner- Holiday Hustle
Live this week! Live on 4thePLAN. Welcome to "The Winter Homeowner! As the chill of December sets in and the holiday cheer fills the air, we delve into the vibrant world of real estate. Whether you’re buying, selling, or investing, this winter season presents unique opportunities and challenges....
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The Three D's of the Mortgage Journey
"🎙️ **On Today’s Show: The 3 D’s of Mortgage Options** 🏡💰 We’re diving into three life-changing scenarios—**Debt, Divorce, and Down Payment**—and how they impact your financial journey and homeownership goals. ✅ How to use your mortgage to tackle high-interest debt ✅ Navigating real estate...
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The PLAN Market Update
From the archive: Brad Roche's PLAN market update from October 2024, covering mortgage rates, home prices, and what buyers and sellers around Charlotte and Lake Norman were watching at the time. Hear how a mortgage planner reads the market and turns the numbers into a plan for your next move. For...
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The power of prepaying...
Extra payments can quietly change the whole life of a home loan. Brad Roche explains the power of prepaying your mortgage, how small extra principal payments build equity faster, and when prepaying makes sense versus keeping cash on hand. If you want to own your Charlotte or Lake Norman home...
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New new product releases for 2024
New programs opening up for investors, second homes, new bank statement programs to qualify HELOC included. Also a powerful 15% down investor loan visit 4theplan.com
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2024 Market Review and 2024 Plan
From the archive: Brad Roche reviews the mortgage and housing market and lays out the plan for 2024 in this episode from January 2024. Hear what was moving rates and home prices, what it meant for Charlotte and Lake Norman buyers, and how a written mortgage plan keeps you ready whatever the…
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The HOUSE- 12 Days of Christmas
A holiday special from 4ThePLAN: The HOUSE, 12 Days of Christmas edition. Brad Roche counts down twelve home and mortgage ideas for the season, from smart homeowner moves before year end to planning your next purchase in the new year. Festive, practical, and full of Charlotte homeowner cheer.…
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Invest now or wait with guest Kyle Kennedy
Investing, planning, upcoming markets! Kyle Kennedy with Cunningham Wealth Management LLC shares on the markets and investing even when you might question it in today's market.
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A new meaning to idle?
Maybe it's the same meaning. But do you have something you can do to make the savings better now or in the future with your equity?
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Special Guest Steve White
Special guest Steve White shares on the Georgia real estate market with preferred lender Ray Evans with Element Home Loans. For more information call 704-412-2727 show hotline or visit www.4theplan.com To reach Steve White direct visit https://whitestev.georgiamls.com/
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The options of equity...
Your home equity is more than a number on a statement. Brad Roche walks through the options of equity: leaving it to grow, using a home equity line of credit, refinancing to put it to work, or applying it toward your next home. If you own a home in Charlotte or Lake Norman, know your options…
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Zero Down & More!
Zero down is real, and it is only the start. Brad Roche explains zero down mortgage options, including USDA and VA loans, plus the other low down payment paths buyers around Charlotte, Statesville, and Lake Norman use to buy sooner. Learn who qualifies and how to plan the purchase the right way....
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Investment Property thinking?
Thinking about an investment property? Brad Roche walks through what to consider before you buy a rental: financing options, cash flow, equity growth, and how investor loans differ from a primary home loan. Whether it is your first rental or your next one in Charlotte or beyond, this episode…
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Investment Property Event
Brad Roche recaps an investment property event built for Charlotte area investors. Hear the themes from the room: financing rentals, reading cash flow, building equity, and planning your next purchase like a business. If investment property is on your radar, this episode is a good place to start...
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Radio show with Eric Maynard Keller Williams Lake Norman
Brad Roche sits down with Eric Maynard of Keller Williams Lake Norman for a look at the Lake Norman real estate market. They talk about what buyers and sellers around the lake are seeing, how local knowledge shapes an offer, and why your real estate agent and mortgage planner should work from the...
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Backroom of Real Estate with KT Temple
How do you know you have the best exposure? Join us this show with KT Temple with Keller WIlliams as we look into the backroom.
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Market Knowledge Matters!
Join us today with market leader Sandra Parsons with Element Home Loans. Covering the Tennessee market and how to know if you pay to much or not enough to get the deal?
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What's my plan in Flordia?
Join us with special guest AJ Pasquale with Element Home Loans and the market pulse for the Florida area when buying or selling in today's market.
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Live From Charlston, SC with Jake & Zack!
4ThePLAN goes on the road to Charleston, South Carolina, live with Jake and Zack. Brad Roche talks Charleston real estate, what buyers moving to the Lowcountry should know, and how mortgage planning works when you are buying in a new market. Coastal homes, second homes, and relocations all get a...
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Statesville with Jill Galliher
Brad Roche heads to Statesville with Jill Galliher for a look at homes, growth, and mortgage options in this part of North Carolina. They talk about why buyers are looking beyond Charlotte, what your money buys in Statesville, and how USDA and other loan options fit the area. More at 4theplan.com.
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What equity?
Are you reviewing and know options on equity? We cover some basics on today's show about how to be ready for investing and getting a plan together.
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Being prepared
Being prepared wins homes. Brad Roche explains how buyers get ready before they shop: pre-approval done right, documents in order, a clear budget, and a mortgage plan that lets you act fast when the right Charlotte or Lake Norman home appears. Preparation turns a stressful search into a confident...
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2 year plan & 5 year protection plan
A mortgage should come with a plan, not just a payment. Brad Roche explains the 2 year plan and 5 year protection plan approach at The Mortgage Planner: regular reviews of your home loan so your financing keeps matching your life, your equity, and the market. Homeowners around Charlotte plan…
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Putting on the back burner?
What have you been putting on the back burner: the refinance, the move, the first home? Brad Roche talks about why waiting feels safe but often costs more than acting with a plan. If a home goal in Charlotte or Lake Norman has been simmering, this episode helps you decide whether now is the time....
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Nashville to Charlotte Market Pulse
From Nashville to Charlotte, Brad Roche takes the pulse of two growing housing markets. Hear what movers between Tennessee and North Carolina are seeing in home prices, demand, and mortgage planning, and what it means if you are relocating to the Charlotte area. Two cities, one plan-first…
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Watch my value go?!
Watching your home value move can feel like watching the stock market. Brad Roche talks about home values in Charlotte and Lake Norman: what drives them, how to know what your home is really worth, and what rising or falling values mean for your equity and your next move. More at 4theplan.com.
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Plan Step One
Every mortgage plan starts with step one. Brad Roche explains where planning begins: knowing your numbers, your credit, your budget, and your goal for the home. Before rates, before house hunting, this is the first step buyers in Charlotte and Lake Norman take with The Mortgage Planner. More at...
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4 The Plan
New to 4ThePLAN? Start here. Brad Roche introduces the show and the idea behind it: mortgages and real estate explained around a plan, not a sales pitch. Hear what the show covers each week for buyers, homeowners, and investors around Charlotte and Lake Norman. More at 4theplan.com.
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Coming soon!
From the archive: a short show announcement from August 2022, when 4ThePLAN was getting ready to launch in a new form. Kept here for longtime listeners. For full episodes on mortgages, home buying, and the Charlotte and Lake Norman housing market, browse the recent shows in the feed. More at...
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New Show Times!
From the archive: a short announcement from August 2022 about new show times for 4ThePLAN with Brad Roche. Kept for longtime listeners who followed the show on radio. For the latest episodes on mortgages, refinancing, and buying a home around Charlotte and Lake Norman, check the newest shows in...
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Mortgage Storm?
Is a mortgage storm coming? Brad Roche looks at the clouds over the housing market and explains how homeowners and buyers prepare when rates and headlines get rough. A plan built before the storm beats panic during it. Practical steps for Charlotte and Lake Norman listeners, whatever the…
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Investing today..
Investing in real estate today takes clear eyes and a solid plan. Brad Roche talks about buying investment property in the current market: financing, numbers that matter, and how rental property fits a long term wealth plan for Charlotte area investors. More at 4theplan.com.
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ABOUT THIS SHOW
Join Brad and Jacob Roche, The Mortgage Planners, as they engage both consumers and real estate professionals in insightful discussions on real estate, mortgages, and financial strategies in this dynamic talk show. For more information visit www.4thePLAN.com
HOSTED BY
The Mortgage Planner
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Frequently Asked Questions
How many episodes does 4ThePLAN have?
4ThePLAN currently has 91 episodes available on PodParley. New episodes are automatically indexed when they're published to the podcast feed.
What is 4ThePLAN about?
Join Brad and Jacob Roche, The Mortgage Planners, as they engage both consumers and real estate professionals in insightful discussions on real estate, mortgages, and financial strategies in this dynamic talk show. For more information visit www.4thePLAN.com
How often does 4ThePLAN release new episodes?
4ThePLAN has 91 episodes. Check the episode list to see recent publication dates and frequency.
Where can I listen to 4ThePLAN?
You can listen to 4ThePLAN on PodParley by clicking any episode. We provide an embedded audio player for direct listening, and you can also subscribe via your preferred podcast app using the RSS feed.
Who hosts 4ThePLAN?
4ThePLAN is created and hosted by The Mortgage Planner.
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