Beyond the Rate

Reverse mortgages are one of the most misunderstood financial tools available to homeowners. Some people see them as a smart retirement strategy, while others view them with skepticism. So what's the truth?In this episode of Beyond the Rate, host Kary Wurth sits down with reverse mortgage specialist Rochelle Eigsti to break down exactly how reverse mortgages work, who they are designed for, and when they may—or may not—make sense.Rochelle draws on decades of mortgage industry experience to explain the realities behind Home Equity Conversion Mortgages (HECMs), common misconceptions, qualification requirements, costs, benefits, and potential risks. She also shares real-world examples of how homeowners have used reverse mortgages to improve retirement flexibility, help family members, and age comfortably in their homes.The conversation also explores senior-focused financial scams, the importance of education, and the growing Savvy Seniors community helping older adults make informed decisions.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

In this episode of Beyond the Rate, host Kary Wurth sits down with mortgage experts Brian Farley and Navy veteran Dan Leathers to break down everything you need to know about VA loans. From zero down payment and no mortgage insurance to lower monthly payments and flexible eligibility, they explain why VA loans are one of the most valuable homebuying benefits available to veterans and active-duty service members.They also tackle common misconceptions—like whether VA loans are harder to close, riskier for sellers, or only for first-time buyers. Plus, Dan shares his personal experience using VA loans, navigating foreclosure, and purchasing homes again afterward.Whether you're a veteran, active-duty military member, spouse, or simply curious about the mortgage process, this episode delivers practical guidance, myth-busting truths, and real-world advice to help make homeownership feel less intimidating.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Welcome to Beyond the Rate, the Charter West Bank podcast about money, mortgages, and the moments that matter. Hosted by Kary Wurth, this show breaks down the world of banking, home loans, and personal finance in a way that’s easy to understand, relatable, and even enjoyable.Whether you're buying your first home, refinancing, growing a small business, or simply trying to make smarter money moves, Beyond the Rate gives you practical insights without the confusing jargon. Through real conversations with lenders, bankers, and local experts, each episode explores the why behind important financial decisions—so the how feels a lot less intimidating.If you’re ready for smarter conversations about money and homeownership, you’re in the right place.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.