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Send a textEver wonder if refinancing right now actually saves you money—or just sounds good? We get honest about the one test that cuts through the noise: your break-even. By anchoring the decision to your real costs, monthly savings, and how long you’ll stay in the home, you can act with confidence instead of waiting on a prediction no one can guarantee.With Brendon Bland back on the mic, we map out the practical reasons to refinance—rate-and-term, term changes, and cash-out—and when each makes sense. We also open the hood on what’s pushing mortgage rates day to day: mortgage bond demand, market jitters, and delayed economic data. That mix has nudged top-tier 30-year fixed quotes toward the low 6s, but volatility remains, so we talk through scenarios where locking now beats trying to call the bottom.If you’re buying, seasonality is your friend. Late Q4 into early Q1 often brings longer days on market and more room to negotiate. We share specific ways to turn that into savings—rate buydowns, closing cost credits, and flexible terms that can outperform a simple price cut—plus a game plan to prep financing so you’re ready when the right home appears. For sellers, we get real about pricing, comps from the last 90 days, and why online price reductions don’t equal falling values. Strategy and transparency beat wishful thinking in a choosier market.New or nervous about the process? We created a free on-demand First-Time Homebuyer master class that walks through credit, budgeting, and step-by-step prep. Tap the link in the show notes, follow Brendan for smart mortgage breakdowns, and then tell us: are you refinancing soon, buying this winter, or holding your position? If this conversation helped, subscribe, leave a quick review, and share it with a friend who’s weighing their next move.To connect with Brendon:Brendon [email protected]://www.instagram.com/mortgagemademodern/https://www.facebook.com/brendon.blandSarah Thress614-893-5885 First Time Home Buyer course: https://sarahthress.graphy.com/Instagram https://www.instagram.com/sarah_thress_realtor/Facebook https://www.facebook.com/SarahThressRealtor/https://www.youtube.com/@LIFEINCOLUMBUS

Send a textThink your mortgage rate is carved in stone? We open the black box and show how rates are actually built—by margins, overhead, and secondary market pricing—not just headlines about the Fed. Joining us is veteran loan expert Sean Morrow of Affinity Group Mortgage, who explains why two borrowers with similar profiles can see very different offers and how a hybrid lender model can unlock better pricing and faster closings.We get tactical about closing costs, separating third-party charges you can’t change from Box A lender fees you absolutely can. Sean unpacks discount points and temporary buydowns with clear, practical math: how to find the breakeven, when a 2-1 buydown helps cash flow, and when the exact same dollars should go toward a permanent rate reduction. We also talk through the realities of underwriting—why sourcing large deposits matters, why missing “blank” bank statement pages still get flagged, and how agency rules from Fannie Mae, Freddie Mac, and Ginnie Mae drive documentation. If you’ve ever wondered why your loan officer keeps asking for one more item, this conversation will save you time and stress.We dig into income nuance too. Variable pay like shift differentials and overtime looks great on a pay stub but can’t always support a 30-year commitment unless averaged correctly. That’s protection, not paperwork for paperwork’s sake. You’ll hear when builder incentives are a smart, obvious win and when outside financing with tighter margins beats the shiny teaser. We wrap with a smarter way to shop rates without hurting your credit, the questions to ask about compensation and Box A, and how to start with a monthly payment you can live with before choosing your product.If this helped you see the mortgage process with fresh eyes, follow the show, share it with a friend who’s house hunting, and leave a quick review so more buyers find these insights.Sarah Thress614-893-5885 First Time Home Buyer course: https://sarahthress.graphy.com/Instagram https://www.instagram.com/sarah_thress_realtor/Facebook https://www.facebook.com/SarahThressRealtor/https://www.youtube.com/@LIFEINCOLUMBUS

Send a textThe headlines might declare "Fed Cuts Rates!" but what does that actually mean for your mortgage? If you've been confused by seemingly contradictory financial news or wondering why mortgage rates sometimes move in the opposite direction from Federal Reserve announcements, this episode delivers the clarity you need.Mortgage expert Brendon Bland returns to break down one of the most misunderstood aspects of home financing: the relationship between Fed funds rates and mortgage interest rates. With his signature straightforward approach, Brendan explains why mortgage rates actually dropped before the Fed's recent cut and then slightly increased afterward – a phenomenon that leaves many potential homebuyers scratching their heads.We explore what truly drives mortgage rates (hint: it's not just Fed decisions) and why economic indicators like job reports and inflation data matter more to your home loan than headlines might suggest. For anyone considering buying or refinancing, Brendan offers practical advice about timing and explains why short-term rate predictions are nearly impossible even for experts.The conversation shifts to the current real estate landscape in Central Ohio, where we're experiencing a fascinating transitional market. While inventory has increased, we're still firmly in seller's territory with continued price appreciation. We discuss how seller expectations need adjustment from the frenzied pandemic years and why today's buyers actually have more opportunities than they've had in five years.Whether you're actively house-hunting, preparing to sell, or simply want to understand the financial forces shaping the housing market, this episode cuts through the noise to deliver actionable insights. Don't forget to check out our free First-Time Homebuyer Masterclass through the link in the episode description if you're ready to take your next steps with confidence.To connect with Brendon:Brendon [email protected]://www.instagram.com/mortgagemademodern/https://www.facebook.com/brendon.blandSarah Thress614-893-5885 First Time Home Buyer course: https://sarahthress.graphy.com/Instagram https://www.instagram.com/sarah_thress_realtor/Facebook https://www.facebook.com/SarahThressRealtor/https://www.youtube.com/@LIFEINCOLUMBUS

Send a textKevin Alexander from Search to Close pulls back the curtain on what truly happens during real estate transactions, revealing why your choice of title company could be the difference between a smooth closing and a financial nightmare.Title insurance isn't just another closing cost—it's crucial protection for what's likely your largest investment. Kevin shares eye-opening stories of homeowners who discovered someone else had legitimate claims to their property years after purchase. Without proper title insurance, these homeowners could have lost tens or even hundreds of thousands of dollars settling these claims. Your title policy protects against ownership issues dating back up to 100 years, providing invaluable peace of mind for as long as you own your home.Beyond basic title insurance, Kevin clarifies the often-misunderstood closing protection coverage. This additional protection (typically $40-55) safeguards against both theft of funds by the title company and ensures proper following of closing instructions. As Kevin explains, "It's all your life savings" for many people—making this small investment in protection well worth it.The conversation takes a serious turn when addressing wire fraud, with Kevin warning that criminals now use sophisticated voice-over IP phones to impersonate sellers. Both hosts emphasize the importance of verification: always call your title company directly to confirm wiring instructions before sending money. Once wire fraud occurs, those funds are typically gone forever.Working with local professionals—agents, lenders, and title companies—provides significant advantages. They understand local market nuances, can anticipate potential issues, and typically offer superior customer service. As Kevin notes, "I don't think anybody buying or selling a house should feel rushed through the process." Quality title companies view each closing as an opportunity to educate clients and build lifelong relationships, not just complete transactions.Ready to buy, sell, or just explore your options? Contact professionals who value education, transparency, and exceptional service throughout your real estate journey.Sarah Thress614-893-5885 First Time Home Buyer course: https://sarahthress.graphy.com/Instagram https://www.instagram.com/sarah_thress_realtor/Facebook https://www.facebook.com/SarahThressRealtor/https://www.youtube.com/@LIFEINCOLUMBUS

Send a textDiving into the world of property management with Derek Morton of NetGain Property Management reveals how a simple philosophy—"we try not to suck"—transformed into a thriving business managing 650 rental units in just nine years.Derek's journey began in the title industry where he felt he'd hit a professional plateau. Seeking economic stability through market fluctuations, he launched NetGain with just two properties and a straightforward approach to balancing owner and tenant needs. What started as a modest goal of managing 100 units quickly expanded as Derek refined his systems and became increasingly selective about which owners and properties to take on.At the heart of successful property management lies the ability to establish clear guidelines and stick to them—regardless of emotional appeals or difficult situations. Derek candidly shares how bending rules almost always leads to problems, noting "every time I make an exception, I get burned and have no one to blame but myself." This wisdom extends to screening tenants, handling maintenance issues, and setting appropriate expectations with property owners.The podcast delves into practical considerations for anyone considering property management or looking to rent out their own home. Derek explains how NetGain's technology stack provides transparency to owners through weekly updates, streamlined maintenance approvals, and efficient vendor relationships. These systems allow them to handle hundreds of work orders monthly while maintaining quality service.For first-time homebuyers wondering if they should keep their starter home as a rental property, Derek offers invaluable perspective on what successful landlording actually requires. His insights reveal why many accidental landlords eventually seek professional management—from the challenges of getting vendors to respond quickly to the reality of late-night emergency calls.Ready to explore property management or connect with experts who can handle the day-to-day stress while you collect passive income? Visit netgainpm.com to learn more about Derek's approach to creating win-win situations for property owners and tenants alike.Sarah Thress614-893-5885 First Time Home Buyer course: https://sarahthress.graphy.com/Instagram https://www.instagram.com/sarah_thress_realtor/Facebook https://www.facebook.com/SarahThressRealtor/https://www.youtube.com/@LIFEINCOLUMBUS

Send a textWhen financial news feels overwhelming, Brendon Bland of Neighborhood Loans joins us to make sense of it all. With his remarkable ability to translate complex economic concepts into practical advice, Brendon tackles today's most pressing financial concerns for homeowners and homebuyers alike.The episode begins with a deep dive into the federal student loan situation affecting millions of Americans. We learn about the government's renewed efforts to collect on defaulted loans—from credit score impacts to tax refund garnishment—and Brendon provides clear steps for borrowers to take immediate action rather than avoiding the issue. His guidance offers a practical path forward for anyone struggling with student loan payments.Moving to the housing market, Brendon unpacks how recent tariff discussions have created unusual mortgage rate volatility. Rather than getting caught up in daily rate fluctuations, he suggests focusing on payment comfort ranges and looking at the bigger picture of finding the right home. This perspective shift alone can make the homebuying process significantly less stressful in today's uncertain environment.The conversation then explores the current spring housing market, revealing fascinating insights for both buyers and sellers. While national inventory has improved and prices continue their 21-month climb, local market conditions vary dramatically. Brendon shares creative strategies for finding opportunities even in competitive markets—from targeting homes in new construction communities to watching for local economic developments that might create buying advantages.Throughout the episode, Brendon and I emphasize working with knowledgeable professionals who understand local conditions and can help navigate today's unique challenges. For anyone feeling overwhelmed by financial headlines or uncertain about their next move in the housing market, this conversation provides both the clarity and practical advice needed to move forward with confidence.To connect with Brendon:Brendon [email protected]://www.instagram.com/mortgagemademodern/https://www.facebook.com/brendon.blandSarah Thress614-893-5885 First Time Home Buyer course: https://sarahthress.graphy.com/Instagram https://www.instagram.com/sarah_thress_realtor/Facebook https://www.facebook.com/SarahThressRealtor/https://www.youtube.com/@LIFEINCOLUMBUS

Send a textCaught in the real estate catch-22 of needing to sell your home before buying a new one? This episode with mortgage expert Nathan Lindley breaks down how bridge loans can transform your buying and selling experience, potentially saving you thousands while reducing stress.Nathan explains how bridge loans allow you to tap your existing home equity to purchase your next property before selling, eliminating the need for contingent offers that often get rejected in competitive markets. We explore both traditional approaches and innovative new products that have emerged in the last 18 months, including options that require no monthly payments during the transition period.The financial advantages are compelling: make stronger offers without sales contingencies, avoid rushed selling decisions under time pressure, and potentially secure better prices on both transactions. The practical benefits might be even more valuable - no more coordinating same-day closings, time to renovate before moving in, and elimination of temporary housing arrangements.What makes this conversation particularly valuable is Nathan's candor about when these solutions make sense and when they don't. He offers creative strategies for using bridge financing as a backup plan rather than a first option, explains how they work with contingent offers, and highlights the importance of working with knowledgeable professionals who understand these specialized products.Whether you're planning a move soon or simply want to understand all your future options, this episode provides clear, practical insights into one of real estate's most challenging transitions. Ready to learn if a bridge loan might be right for your next move? Connect with Nathan through the contact information in our show notes.To contact Nathan Lindley:email: [email protected]:  727.452.9868https://www.instagram.com/thelindleyloanteam/https://www.facebook.com/TheLindleyLoanTeamSarah Thress614-893-5885 First Time Home Buyer course: https://sarahthress.graphy.com/Instagram https://www.instagram.com/sarah_thress_realtor/Facebook https://www.facebook.com/SarahThressRealtor/https://www.youtube.com/@LIFEINCOLUMBUS

Send a textBuying a new home while still owning your current one is one of the most stressful financial scenarios homeowners face. This spring market dilemma keeps countless qualified buyers on the sidelines, trapped between the fear of contingent offers being rejected and the burden of potentially carrying two mortgages.Jodi and Lisa from Ruoff Mortgage join us to reveal a game-changing solution that's helping hesitant homeowners make their move with confidence. The Calc program provides a guaranteed purchase offer on your current home, eliminating contingencies from your new home offer while protecting you from double mortgage payments. Even better, this arrangement doesn't impact your debt-to-income ratio and allows you to tap into your home equity for down payments or improvements.We explore how Central Ohio's unique real estate market continues to deliver consistent 4-5% annual appreciation, making homeownership a reliable wealth-building strategy despite today's higher interest rates. The conversation also unveils two additional programs that give buyers unexpected advantages: neighborhood-specific interest rate reductions (sometimes on homes valued at $750,000) and a full approval process that prepares buyers to close in as little as 14 days.For anyone contemplating a move this spring or wondering if they should continue waiting for rate drops, this episode delivers actionable insights from mortgage professionals with over 45 years of combined experience. Their accessibility (answering calls and texts even at 5 AM!) demonstrates the difference between working with dedicated local lenders versus traditional banks with limited hours and responsiveness.Stop paying rent, build equity faster, and discover how today's innovative mortgage programs can make your next move possible sooner than you thought. This is essential listening for anyone looking to navigate the 2024 spring real estate market with confidence.Jodi Vermillion(614) [email protected]://www.facebook.com/jodivermillionLisa [email protected] Thress614-893-5885 First Time Home Buyer course: https://sarahthress.graphy.com/Instagram https://www.instagram.com/sarah_thress_realtor/Facebook https://www.facebook.com/SarahThressRealtor/https://www.youtube.com/@LIFEINCOLUMBUS

Send a textSteve Greaves reveals the powerful story behind Tithe Lending – a mortgage company built on giving 10% of revenue to community causes. This principled approach doesn't just feel good; it transforms lives by funding organizations tackling homelessness, supporting education initiatives, and even helping human trafficking survivors.What makes this conversation particularly enlightening is how Greaves and his brother identified industry inefficiencies and restructured their business model to make this significant giving sustainable while remaining financially sound. "We wanted to make a lasting impact with our jobs," Steve explains, "instead of it being like you do your job and then on the side you do your other stuff."Beyond their charitable mission, Tithe Lending offers innovative solutions for homebuyers facing today's challenging market. Their "Homes for Heroes" program covers costly appraisals for teachers, first responders, and veterans, while their various down payment assistance options (including grants up to 3%) make homeownership accessible without depleting savings. For buyers concerned about timing the market, Steve offers practical wisdom: "If you can afford the payment at the interest rate right now, get in now, wait for rates to go down, and then refinance."The company maintains ongoing relationships with clients through their "rate watch" program, proactively notifying homeowners when refinancing opportunities arise. Some clients have already saved $300+ monthly by refinancing from last year's 7.5% rates to today's lower rates – funds that can be strategically applied to principal to save tens of thousands in lifetime interest costs.Ready to work with a lender whose mortgages fund meaning? Visit tithelending.com to learn more about their programs or tithefoundation.org to explore partnership opportunities with their foundation.Steve [email protected]://www.facebook.com/profile.php?id=100092691292376https://www.instagram.com/steve_greaves777/Tithe Lending https://www.facebook.com/tithelendinghttps://www.instagram.com/tithelending/Sarah Thress614-893-5885 First Time Home Buyer course: https://sarahthress.graphy.com/Instagram https://www.instagram.com/sarah_thress_realtor/Facebook https://www.facebook.com/SarahThressRealtor/https://www.youtube.com/@LIFEINCOLUMBUS

Send a textTired of hearing that the sky is falling on the housing market? Mortgage expert Brendon Bland cuts through the noise to deliver clarity about what's really happening with mortgage rates amid tariffs and economic changes. Contrary to alarming headlines, we're actually experiencing a four-month low in mortgage rates, with gradual improvements expected throughout 2024.Brendon explains that inflation remains the primary driver of mortgage rates, not just policy announcements. Financial markets have already factored in anticipated changes like tariffs, which is why today's news doesn't necessarily impact tomorrow's rates. This perspective provides much-needed reassurance for those feeling anxious about recent economic developments.The conversation shifts to practical advice for today's home buyers and sellers. Despite rates being higher than historical lows, home prices have continued to rise steadily over the past two years – proving that waiting rarely saves money. Rather than attempting to time the market perfectly (which is impossible), Brendon recommends focusing on your personal financial readiness. The perfect time to buy isn't determined by external economic conditions but by when you can comfortably afford the home you desire.As we approach the spring market, competition will increase, but opportunities remain. For first-time buyers, Brendon suggests exploring down payment assistance programs and considering creative financing options like buying down interest rates. For those with existing homes, he explains how the equity built through ownership remains one of the most efficient paths to eventually affording your dream home.Listen now for clear, straightforward mortgage guidance that will help you navigate today's real estate landscape with confidence rather than fear. Follow Brendon on social media for more valuable insights, and don't forget to leave a review and share this episode with others who might benefit from this practical financial wisdom.To connect with Brendon:Brendon [email protected]://www.instagram.com/mortgagemademodern/https://www.facebook.com/brendon.blandSarah Thress614-893-5885 First Time Home Buyer course: https://sarahthress.graphy.com/Instagram https://www.instagram.com/sarah_thress_realtor/Facebook https://www.facebook.com/SarahThressRealtor/https://www.youtube.com/@LIFEINCOLUMBUS

Send a textDive into the world of home warranties with this enlightening episode featuring Dianna Silver from SafePro Home Warranty. We explore why SafePro is redefining expectations in the home warranty realm, demonstrating a community-centered approach that puts empathy and customer satisfaction at the forefront. Discover the benefits of using a local service, where claims are handled by people who understand the local climate and culture, ensuring faster resolutions to urgent homeowner needs.Dianna walks us through the different plans offered by SafePro, helping listeners understand the unique advantages they provide compared to traditional warranties, such as lower service fees and comprehensive coverage options. She shares valuable insights about the importance of preventative maintenance for homeowners, offering tips that can save clients from costly repairs down the line. Throughout our conversation, we touch on the common misconceptions surrounding home warranties, clarifying the critical differences between them and typical home insurance. Dianna’s passion for customer service shines as she explains how SafePro emphasizes education, support, and transparency, ensuring clients feel informed and empowered in their home maintenance journey.If you’re a homeowner or soon-to-be homeowner, this episode is packed with resources and practical advice that can make a significant difference in managing your home’s health. Be sure to listen in, and if you find value in our discussion, share it with fellow homeowners or anyone looking for reliable home warranty solutions! Don't forget to subscribe and leave us a review!To Contact Dianna Silver:[email protected] Thress614-893-5885 First Time Home Buyer course: https://sarahthress.graphy.com/Instagram https://www.instagram.com/sarah_thress_realtor/Facebook https://www.facebook.com/SarahThressRealtor/https://www.youtube.com/@LIFEINCOLUMBUS

Send a textUnlock the secrets of navigating the mortgage market in 2025 with insights from Brendan Bland of Neighborhood Loans. Despite forecasts of lower rates, we're seeing mortgage rates holding strong in the mid-six to mid-seven percent range. Why? A robust economy and lingering inflation worries are the culprits, and Brendan is here to explain why a significant drop isn't on the horizon just yet. Tune in as we unravel the complex interplay between economic conditions and mortgage rates, emphasizing the need for a cooling economy to see any substantial rate decline.For those ready to part with their homes in 2025, we provide indispensable advice for a successful sale. Understand your motivation—be it relocation, financial gain, or personal reasons—and tailor your strategy accordingly. From essential updates in key areas like kitchens to the art of minimalist home presentation, we've got you covered. While spring may be the busiest selling season, don't overlook the unique advantages of listing in winter, where serious buyers are often on the hunt. Join us as we strive to create a stress-free, rewarding selling experience that aligns perfectly with your goals.To connect with Brendon:Brendon [email protected]://www.instagram.com/mortgagemademodern/https://www.facebook.com/brendon.blandSarah Thress614-893-5885 First Time Home Buyer course: https://sarahthress.graphy.com/Instagram https://www.instagram.com/sarah_thress_realtor/Facebook https://www.facebook.com/SarahThressRealtor/https://www.youtube.com/@LIFEINCOLUMBUS

Send a textImagine facing a financial storm so severe that it uproots your entire life. Mike Russell, a veteran in the real estate world with three decades of experience, lived through this during the 2008-2009 economic downturn. Mike shares his deeply personal narrative of navigating the treacherous waters of foreclosure and bankruptcy, revealing how vulnerability and self-compassion became his anchors in rough seas. His story isn't just one of survival; it's a masterclass in resilience, offering hope and guidance to anyone grappling with similar hardships.Listeners will gain valuable insights into practical solutions for homeowners teetering on the brink of foreclosure. With Mike’s expert guidance, we uncover the paralyzing fear many face in financial distress and the crucial importance of maintaining open communication with banks. From loan modifications to reinstatement terms, this episode shines a light on the proactive steps homeowners can take to secure their properties. Mike’s dedication to helping others without charging for his services is an inspiring testament to his commitment to community and personal growth.The conversation also navigates the complexities of bankruptcy, exploring its potential impact on one's financial future. Mike candidly shares lessons learned from his own experiences, emphasizing the power of gratitude and mindset in financial recovery. By using personal struggles as a driving force to help others, Mike exemplifies how adversity can be transformed into a tool for empowerment. This episode serves as a powerful reminder that financial setbacks are merely chapters in our life stories—chapters that, with the right perspective, can lead to new beginnings and personal triumphs.To connect with Mike:https://www.linkedin.com/in/mike-russell-3395baa/https://www.century21.com/real-estate-agent/profile/michael-russell-P25357887https://www.facebook.com/Hope4Hardshiphttps://hope4hardship.org/?fbclid=IwY2xjawHbu6lleHRuA2FlbQIxMAABHQPDMtTicfWl9aP68cZN-z_r1wMtatdN0IS3-YYtla8LpdyfUAUcfY2JGA_aem_fju_mzuQBneRthOdo8FhlQSarah Thress614-893-5885 First Time Home Buyer course: https://sarahthress.graphy.com/Instagram https://www.instagram.com/sarah_thress_realtor/Facebook https://www.facebook.com/SarahThressRealtor/https://www.youtube.com/@LIFEINCOLUMBUS

Send a textUnlock the mysteries of foundation repair with RK Bob Brown, the mastermind behind "Foundation Repair Secrets." Bob takes us on a journey through his transformative career from architecture and finance student at Arizona State University to the founder of a successful concrete and foundation repair company. Discover why understanding foundation repair is crucial for homeowners and real estate professionals alike, and learn how to avoid falling prey to industry misconceptions. Bob emphasizes the pivotal role of soil in foundation movement and the importance of consulting a forensic geotechnical engineer for accurate assessments.Our conversation doesn't stop at identifying problems; we explore the accountability of contractors and the indispensable role of engineers in home repair projects. Bob sheds light on the complexities of state contractor boards and how only engineers can provide the seal of approval necessary for trustworthy work. We tackle structural issues, such as horizontal cracks, and debate the pros and cons of metal beams versus carbon fiber strips. Bob also clears up the myths surrounding the permitting process, highlighting the need for proper diagnosis and verification beyond city or county permits.The episode wraps up with a comprehensive look at regional soil conditions and their impact on foundation stability. From the challenging clay soils of Texas to the frost depths influencing construction in northern states, Bob shares invaluable insights and tips for maintaining soil health across the U.S. His passion for distributing engineer-backed knowledge shines through as he encourages listeners to share these insights, leave feedback, and stay connected for more expert content. Join us as we celebrate knowledge-sharing and empower you with the tools to ensure the safety and stability of your home.To learn more about Bob and his soil secrets check his website and social media:https://foundationrepairsecrets.com/https://www.instagram.com/rkbobbrown/Sarah Thress614-893-5885 First Time Home Buyer course: https://sarahthress.graphy.com/Instagram https://www.instagram.com/sarah_thress_realtor/Facebook https://www.facebook.com/SarahThressRealtor/https://www.youtube.com/@LIFEINCOLUMBUS

Send a textUnlock the door to homeownership with Brendon Bland, our go-to VA loans expert, who returns to enlighten us on an often-overlooked benefit for veterans: the VA loan. Gain insights into the transformative potential of these loans, including a 0% down payment option that could be a life-changer for veterans and their families. Brendon helps us navigate the sometimes murky waters of VA loans, ensuring that veterans can maximize their benefits and explore programs tailored to their needs.Bust through the myths and misconceptions surrounding VA loan appraisals and processes. Brendon demystifies fears around VA and FHA loans, revealing how these options are not just beneficial but protective for both veterans and taxpayers. He also introduces the innovative VA renovation product, a tool for veterans to modernize their homes without the burden of mortgage insurance, offering practical tips to smooth out the appraisal process from a seller's standpoint.Strategically explore your home-buying options with VA loans, FHA, or conventional loans as Brendon walks us through making informed decisions. Consider the dynamic landscape of financial scenarios, and discover how house hunting parallels dating in finding your perfect match. Armed with this knowledge, you'll be ready to make informed choices, and we're here to support you every step of the way—just reach out, and don't forget to follow us for more invaluable insights. Share this episode with someone who could benefit, and let us know what you think through your ratings and reviews.To connect with Brendon:Brendon [email protected]://www.instagram.com/mortgagemademodern/https://www.facebook.com/brendon.blandSarah Thress614-893-5885 First Time Home Buyer course: https://sarahthress.graphy.com/Instagram https://www.instagram.com/sarah_thress_realtor/Facebook https://www.facebook.com/SarahThressRealtor/https://www.youtube.com/@LIFEINCOLUMBUS

Send a textPrepare to gain a comprehensive understanding of how political events, especially elections, shape market behaviors with insights from our special guest, Brendon. Discover the nuanced ways markets react to the political climate, regardless of electoral outcomes, and the pivotal role of institutions like the Federal Reserve in navigating economic conditions. Brendan guides us through the intricacies of inflation and interest rates while addressing investor concerns tied to potential policy shifts. We also explore the ramifications of unified government control on spending and taxation, offering a lens to view the complex dance between politics and market stability.In another essential segment, we turn our attention to those who have served our country, focusing on the importance of supporting veterans and their communities. We emphasize the need for tailored accommodations and community initiatives that enhance the well-being of veterans, advocating for a balanced approach in veteran care. Our discussion shines a light on the crucial health measures, such as vaccinations, necessary for their sustained health and prosperity. Through collaboration and a commitment to continuous improvement, we seek to honor and uplift the lives of veterans, ensuring they receive the care and support they rightfully deserve. Join us for a thoughtful exploration of economic trends and social responsibility.To connect with Brendon:Brendon [email protected]://www.instagram.com/mortgagemademodern/https://www.facebook.com/brendon.blandSarah Thress614-893-5885 First Time Home Buyer course: https://sarahthress.graphy.com/Instagram https://www.instagram.com/sarah_thress_realtor/Facebook https://www.facebook.com/SarahThressRealtor/https://www.youtube.com/@LIFEINCOLUMBUS

Send a textUnlock the potential of your home equity with our eye-opening conversation featuring Nathan Lindley from Gold Star Mortgage. Nathan shares his expert insights on innovative Equity Sharing Loans, a groundbreaking option for homeowners seeking alternatives to traditional refinancing. This financial tool allows homeowners to partner with investors by sharing a portion of future home equity, offering a flexible solution that doesn't involve monthly payments. While this option opens new doors, Nathan wisely advises caution, likening these loans to a sharp tool that must be handled with care to avoid unintended consequences. Whether you're a young homeowner or facing urgent financial pressures, understanding the intricacies of this option is crucial.As we navigate the complexities of managing rising mortgage payments, Nathan and I underscore the importance of contacting lenders early to explore available options, such as refinancing or HELOCs. We introduce a promising new financial product that could serve as a lifeline for those struggling to keep their homes, especially when a high credit score is out of reach. While its current form poses challenges, it offers a temporary reprieve for those looking to stay put for a while longer. Join us as we discuss the potential and pitfalls of these evolving financial products, and why staying informed is your best asset in this dynamic landscape. Don’t miss the chance to learn from Nathan’s insights and ensure you’re equipped with the knowledge to make sound financial decisions.To contact Nathan Lindley:email: [email protected]:  727.452.9868https://www.instagram.com/thelindleyloanteam/https://www.facebook.com/TheLindleyLoanTeamSarah Thress614-893-5885 First Time Home Buyer course: https://sarahthress.graphy.com/Instagram https://www.instagram.com/sarah_thress_realtor/Facebook https://www.facebook.com/SarahThressRealtor/https://www.youtube.com/@LIFEINCOLUMBUS

Send a textDiscover the inspiring journey of Carl Sliwinski, founder of The Heating and Cooling Pro, as he opens up about overcoming personal battles and finding redemption in the HVAC industry. From dealing with depression and addiction in his early life in central Ohio to transforming these challenges into a thriving business, Carl’s story is a powerful testament to resilience, hands-on learning, and the drive to provide for loved ones. His passion for skilled trades not only reshaped his future but also laid the foundation for a company that offers fresh starts for others with similar backgrounds. Join us as Carl discusses how connecting with diverse families through his work inspired him to establish a supportive company culture that mirrors his own journey of transformation.As the seasons change, we shift focus to practical advice for maintaining your home’s heating systems. Ensuring your furnace is winter-ready is crucial, and we've got you covered with essential tips like scheduling tune-ups and checking safety devices. For those who prefer a hands-on approach, we offer simple maintenance tricks and insights into the benefits of professional analyses to ensure your heating system is safe and efficient. Finally, we extend our gratitude to our engaged listeners, sharing how your feedback and support help us bring stories like Carl's to a wider audience. Don't forget to subscribe and share this episode to inspire others with Carl's story and gain essential HVAC maintenance tips.Please remember to:Rate and review the podcast- that feedback is a gift! Share this with other- that is the greatest compliment you can give Carl and me!Follow the show so you never miss another episode!To contact Carl:Carl Sliwinski614-886-4024www.theheatingandcoolingpro.comSarah Thress614-893-5885 First Time Home Buyer course: https://sarahthress.graphy.com/Instagram https://www.instagram.com/sarah_thress_realtor/Facebook https://www.facebook.com/SarahThressRealtor/https://www.youtube.com/@LIFEINCOLUMBUS

Send a textUnlock the secrets of strategic home buying and selling with Nathan Lindley from Gold Star Mortgage. Learn how bridge loans can become your best ally in the real estate market, offering the flexibility you need to purchase your dream home before selling your current one. Nathan shares insider tips on utilizing home equity to bypass sales contingencies, making your offers more attractive in fiercely competitive markets.Navigate the complexities of non-qualified mortgage solutions as Nathan presents real-world examples of handling multiple contingencies in transactions. Discover why minimizing these contingencies is crucial and how bridge loans are rising in popularity, especially in hot markets like Florida. Gain insight into why partnering with knowledgeable professionals can be a game-changer, especially when traditional banks don't offer tailored options.Maximize your home buying options with expert strategies on managing existing mortgages and refinancing timing. Nathan explains how listing as a contingent escape can open doors to better offers while maintaining the security of a contract. Emphasize the importance of a skilled loan officer to help craft the most compelling offer, ensuring you secure your desired home at the best price. Stay connected with us through our resources in the show notes, and remember that your feedback and reviews are invaluable to our community.To contact Nathan Lindley:email: [email protected]:  727.452.9868https://www.instagram.com/thelindleyloanteam/https://www.facebook.com/TheLindleyLoanTeamSarah Thress614-893-5885 First Time Home Buyer course: https://sarahthress.graphy.com/Instagram https://www.instagram.com/sarah_thress_realtor/Facebook https://www.facebook.com/SarahThressRealtor/https://www.youtube.com/@LIFEINCOLUMBUS

Send a textUnlock the secrets of commercial lending tailored specifically for small business entrepreneurs with our expert guest, a seasoned local lender. Discover the crucial steps needed to secure a commercial loan, from registering your business to crafting a compelling business plan. We break down the nuances between residential and commercial lending, emphasizing the importance of a strong credit score and understanding unique pre-approval processes. Learn how SBA-preferred banks can be your allies in financing startup costs and real estate purchases, and get the lowdown on typical down payment requirements and loan structures.We also tackle the complexities of securing an SBA loan, highlighting the critical due diligence required in real estate transactions. Our guest shares insights on gathering the necessary documentation and the significance of demonstrating liquidity, possibly through collateralizing loans with life insurance. For those in industries like restaurants and hotels or personal trainers eyeing property ownership, we offer tailored advice on showcasing business management skills and navigating heightened scrutiny. Tune in for invaluable guidance on making your entrepreneurial dreams a reality through strategic commercial lending.Sarah Thress614-893-5885 First Time Home Buyer course: https://sarahthress.graphy.com/Instagram https://www.instagram.com/sarah_thress_realtor/Facebook https://www.facebook.com/SarahThressRealtor/https://www.youtube.com/@LIFEINCOLUMBUS

Send a textUnlock the secrets of modern real estate financing with our latest episode of "Come to Find Out." This week, we're joined by Nathan Lindley from Gold Star Mortgage, who unveils the transformative potential of Debt Service Coverage Ratio (DSCR) loans in the ever-changing Florida property market. Discover how these loans offer a simplified, income-focused approach to securing financing, bypassing traditional roadblocks like personal income scrutiny and tax return requirements. Nathan shares insider knowledge on how DSCR loans adapt to both long-term and short-term rental income, providing a flexible and efficient solution for today's savvy investors.Listen as we explore a compelling case study from California, illustrating how DSCR loans can breathe new life into underperforming properties. By refinancing a property rented below market value, one investor was able to refurbish and significantly increase rental income. Nathan addresses lingering concerns from the 2006-2009 financial crisis, assuring listeners of the rigorous and realistic assessments backing today's DSCR loans. With credit scores being a pivotal part of securing favorable terms, Nathan emphasizes the importance of maintaining a solid credit history to leverage the true power of DSCR loans.Gain a deeper understanding of the current Florida real estate market dynamics with Nathan's firsthand perspective as a seasoned lender. He contrasts today's market with the speculative frenzy of the pre-2008 era, highlighting the robust demand and tight supply that characterize current conditions. Nathan offers expert advice on distinguishing between speculative and cash flow investing, urging listeners to adopt a long-term view for substantial returns. The episode also sheds light on closing costs and potential fees associated with DSCR loans, stressing the value of consulting with mortgage professionals to navigate these opportunities effectively.To contact Nathan Lindley:email: [email protected]:  727.452.9868https://www.instagram.com/thelindleyloanteam/https://www.facebook.com/TheLindleyLoanTeamSarah Thress614-893-5885 First Time Home Buyer course: https://sarahthress.graphy.com/Instagram https://www.instagram.com/sarah_thress_realtor/Facebook https://www.facebook.com/SarahThressRealtor/https://www.youtube.com/@LIFEINCOLUMBUS

Send a textEver wondered how to cut your insurance premiums by more than half without losing coverage? Join us as we sit down with Ethan Hamby from East Street Insurance, an expert who helped transform my family's insurance costs from a burdensome $1,000 a month to a manageable $465. Ethan, inspired by his father's career in insurance, brings a wealth of knowledge and shares how his agency's focus on personalized customer service and efficient claims handling sets them apart, especially for residents of Indiana and Ohio.Discover how the COVID-19 pandemic has reshaped the insurance landscape, and learn how companies like East Street Insurance have navigated these changes to continue supporting high-risk vehicles and providing robust homeowner's insurance. Ethan provides invaluable tips on how to stabilize your premiums and underscores the importance of working with local insurers who understand regional challenges. Don't miss our discussion on the substantial savings and peace of mind that come from working with dedicated experts like Ethan. Stay tuned until the end for an invitation to share your feedback and follow us for more insightful episodes.Contact Ethan Hamby:email- [email protected] (812) 267-7845 (Call Or Text)Text hawkeye to 36260 to download his appSarah Thress614-893-5885 First Time Home Buyer course: https://sarahthress.graphy.com/Instagram https://www.instagram.com/sarah_thress_realtor/Facebook https://www.facebook.com/SarahThressRealtor/https://www.youtube.com/@LIFEINCOLUMBUS

Send a textUnlock the secrets behind securing affordable and comprehensive home insurance in Florida as we welcome back Kevin from TopQuote Insurance. Discover how TopQuote sets itself apart by offering policies from a multitude of carriers, ensuring you find the best premiums and coverage options. Kevin sheds light on common misconceptions surrounding Florida's home insurance market, explains the significance of wind mitigation and four-point inspections in a hurricane-prone environment, and assures that despite certain restrictions, there are still plenty of viable options for homeowners.Stay ahead of the curve with expert insights into insurance bundling and the evolving landscape of Florida's insurance market. Learn about the crucial role of building codes influenced by events like Hurricane Katrina, and how they impact insurance credits and quoting processes. Kevin also provides a forecast of the market’s future, addressing the departure and potential return of companies, the effects of reinsurance costs, and the importance of periodically re-shopping your insurance policies. Don't miss out on this treasure trove of information that could help you navigate the complexities of Florida home insurance and benefit from TopQuote Insurance's comprehensive services.To contact Kevin Enderle:[email protected] Thress614-893-5885 First Time Home Buyer course: https://sarahthress.graphy.com/Instagram https://www.instagram.com/sarah_thress_realtor/Facebook https://www.facebook.com/SarahThressRealtor/https://www.youtube.com/@LIFEINCOLUMBUS

Send a textIs it possible to secure a mortgage without navigating the complexities of traditional banking? Join me on this episode of "Come to Find Out" as Nathan Lindley from Gold Star Mortgage Financial reveals the advantages of working with a non-depository bank focused exclusively on mortgages. Discover creative loan solutions such as bank statement loans and financing for non-warrantable condos, perfect for those eyeing investment properties or considering relocating to Florida. With the state entering its busy season, Nathan explains how Gold Star’s tailored support across various states can help you capitalize on competitive interest rates and innovative mortgage options.Florida’s real estate market is unique, shaped by factors like hurricane season and macroeconomic trends. We discuss how inventory shortages and current higher interest rates influence seller negotiations, and why buying a home should align with your personal and financial readiness rather than market timing. Life events often dictate the decision to purchase a home, and understanding the role of interest rates and financial planning can help manage your mortgage over time. For a deeper dive into personalized mortgage solutions and the Florida real estate market, tune in and don't forget to check out reviews on platforms like Zillow and Google.To contact Nathan Lindley:email: [email protected]:  727.452.9868https://www.instagram.com/thelindleyloanteam/https://www.facebook.com/TheLindleyLoanTeamSarah Thress614-893-5885 First Time Home Buyer course: https://sarahthress.graphy.com/Instagram https://www.instagram.com/sarah_thress_realtor/Facebook https://www.facebook.com/SarahThressRealtor/https://www.youtube.com/@LIFEINCOLUMBUS

Send a textWhat if securing affordable, comprehensive home insurance in Florida wasn't as impossible as it seems? Join us this week on "Come to Find Out" as we uncover the intricacies of the Florida insurance market with Brian and Kevin from Top Quote Insurance, and Chris from Search 2 Close Title Company. Experience firsthand insights into how Top Quote Insurance provides an extensive range of options for all property types, whether it's a mobile home or a luxury waterfront estate. Brian and Kevin passionately discuss their commitment to educating clients about proper coverage, moving beyond the misconception that the cheapest policy is always the best choice.Curious about the future of Florida's insurance landscape? Kevin enlightens us with current market trends, shedding light on how companies like Heritage Insurance are resuming policy writing and Citizens Insurance is reducing its policy count. We navigate through the vital requirements for Florida homeowners, such as wind mitigation and flood insurance, and even speculate on how anticipated rate reductions could stabilize the market. This chapter is packed with valuable information, dispelling fears and providing a clear picture of how the market is evolving post-hurricanes and amidst ongoing fluctuations.Finally, we shift our focus to the Florida housing market. Chris and our guests discuss how insurance requirements impact real estate trends, especially in regions like Cape Coral and Tampa Bay. From the necessity of wind mitigation and four-point inspections to the benefits of upgrading roofing components, we offer practical insights for homeowners looking to save on insurance costs. As we compare the differing market conditions between Florida and Ohio, we also express our heartfelt gratitude to our listeners. Don't forget to leave your reviews and share this episode to help us spread knowledge and support a well-informed community. Join us for this enlightening journey on "Come to Find Out"!Top Quote Insurance:https://www.instagram.com/topquote_insurance/https://www.topquoteins.com/about-usSearch2Closehttps://www.instagram.com/search2close/https://www.search2close.comSarah Thress614-893-5885 First Time Home Buyer course: https://sarahthress.graphy.com/Instagram https://www.instagram.com/sarah_thress_realtor/Facebook https://www.facebook.com/SarahThressRealtor/https://www.youtube.com/@LIFEINCOLUMBUS

Send a textWhat if a $45 fee could save you hundreds on home repairs? This week on Come to Find Out, we welcome Dianna Silver from SafePro Home Warranty to uncover the crucial differences between home warranties and homeowner's insurance. Dianna shares her fascinating journey back into the home warranty industry, illuminating her unwavering commitment to stellar customer service. We break down how a home warranty can safeguard your home's essential systems and appliances from everyday wear and tear, while homeowner's insurance kicks in during catastrophic events like natural disasters. You'll also discover how SafePro's low trade call fee transforms the claims process, making it hassle-free and transparent, so you're never left in the dark when something goes wrong.In the second segment, we dig into two extensive homeowner plans that cater to your PEACH needs—plumbing, electric, appliances, cooling, and heating. Priced at $649 and $749, each plan offers unique benefits, but the more comprehensive $749 plan stands out with higher coverage limits aimed at reducing your out-of-pocket expenses. Both plans also include preventive maintenance services like seasonal HVAC tune-ups and water heater flushes, ensuring the longevity of your major home systems. With a streamlined claims process guaranteeing a diagnosis within three business days—and a refund of the trade call fee if this isn't met—you'll see why regular maintenance and these plans can make all the difference for homeowners. Tune in to understand how these options can bring convenience and peace of mind to your home maintenance routine.To Contact Dianna Silver:[email protected] Thress614-893-5885 First Time Home Buyer course: https://sarahthress.graphy.com/Instagram https://www.instagram.com/sarah_thress_realtor/Facebook https://www.facebook.com/SarahThressRealtor/https://www.youtube.com/@LIFEINCOLUMBUS

Send a textHow do McDonald's prices relate to your mortgage rate? Financial expert Brendon Bland from Neighborhood Loans joins us this week to unpack the surprising connections between inflation and your everyday expenses. Brendon, a crowd-favorite for his clarity and insight, offers valuable advice on navigating the rising costs of mortgages, insurance, and property taxes. Whether you're grappling with a sudden spike in your monthly payments or just want to stay ahead of the curve, Brendan's practical tips and proactive strategies are essential listening.Struggling to manage increased expenses or fearing foreclosure? Brendon emphasizes the importance of staying informed about community changes and maintaining robust relationships with local insurance agents. From understanding how to handle negative escrow balances to the benefits of regularly reviewing your insurance policies, this episode is packed with actionable steps to help you stay financially secure. Don't miss this episode if you're keen on learning how to protect your budget and avoid financial pitfalls during these turbulent times.To connect with Brendon:Brendon [email protected]://www.instagram.com/mortgagemademodern/https://www.facebook.com/brendon.blanSarah Thress614-893-5885 First Time Home Buyer course: https://sarahthress.graphy.com/Instagram https://www.instagram.com/sarah_thress_realtor/Facebook https://www.facebook.com/SarahThressRealtor/https://www.youtube.com/@LIFEINCOLUMBUS

Send a textUnlock the secrets to navigating our fluctuating economy with insights from Brendon Bland of Neighborhood Loans! This week on Come to Find Out, Brendon uncovers the intricate ties between inflation, interest rates, and the broader economic landscape. He explains how high inflation hampers the possibility of low mortgage interest rates and delves into the Federal Reserve's pivotal role in managing inflation through adjustments to the federal funds rate. We also tackle the often-misunderstood term "recession," clarifying that not all recessions equate to economic doom. Brendon expertly breaks down these complex concepts, giving you a clearer understanding of how the Fed's strategies impact your daily expenses.Looking ahead, Brendon shares his predictions on how falling interest rates could shape the housing market. With potential rate reductions looming in September and December, and further cuts expected next year, it's crucial to plan strategically. Brendon emphasizes the importance of forming a strong team and consulting with experienced professionals early on to stay competitive. For homeowners considering refinancing, timing is everything. Tune in for Brendon's invaluable advice on how to navigate these changes and make the most of decreasing rates in a competitive market.To connect with Brendon:Brendon [email protected]://www.instagram.com/mortgagemademodern/https://www.facebook.com/brendon.blanSarah Thress614-893-5885 First Time Home Buyer course: https://sarahthress.graphy.com/Instagram https://www.instagram.com/sarah_thress_realtor/Facebook https://www.facebook.com/SarahThressRealtor/https://www.youtube.com/@LIFEINCOLUMBUS

Send a textReady to unlock the secrets to a better mortgage rate? This week on "Come to Find Out," we're joined by the incredible Ruoff team, Lisa and Jodi, who reveal their proven strategies for credit repair tailored for homebuyers. Learn how their non-judgmental and systematic approach can help you elevate your credit score. With precise simulations and step-by-step plans, they provide actionable insights that ensure predictable improvements. You'll discover the common pitfalls to avoid, such as opening new credit cards or accruing new collections, and how to maintain progress throughout the repair process.But that's not all—Lisa and Jodi address frequent misconceptions and share creative strategies that can make a significant difference. From the importance of keeping balances below 30% to automating payments to avoid late fees, they offer practical advice you can implement right away. Explore how refinancing car loans can improve your debt-to-income ratio and learn from inspiring examples, like aiding clients with no credit scores at all. Tune in to understand how their personalized service and quick rescores set them apart, providing you with the tailored advice you need to succeed in your homebuying journey.To contact Jodi Vermillion:[email protected]@ruoff.com614-206-1687https://www.instagram.com/vermillionlendingteam/https://www.facebook.com/jodivermillionLisa [email protected]@ruoff.com614-633-6099https://www.instagram.com/lfergie1964/https://www.facebook.com/lisa.ferguson.718Sarah Thress614-893-5885 First Time Home Buyer course: https://sarahthress.graphy.com/Instagram https://www.instagram.com/sarah_thress_realtor/Facebook https://www.facebook.com/SarahThressRealtor/https://www.youtube.com/@LIFEINCOLUMBUS

Send a textWhat if a simple piece of furniture could transform someone's life? Join us for a heartwarming conversation with Phil, the CEO of the Furniture Bank of Central Ohio, as he reveals how essential furniture brings comfort and stability to families in crisis. From heart-touching personal stories to the intricate process of partnering with agencies for referrals, you'll learn about the profound emotional impact this organization has on individuals facing homelessness and domestic violence.Next, we spotlight Downsize with a Heart, a unique service catering to those moving or downsizing. Imagine the convenience of having experts handle everything from picking up unwanted furniture to managing trash disposal. Discover the emotional and financial benefits of donating locally and how their partnerships with auctioneers offer flexible options for valuable items. This segment is a must-listen for anyone looking to simplify their transition to a smaller living space.We wrap up with exciting community involvement opportunities and events like the annual Bed Race. Get inspired by the nearly 20,000 hours volunteers contribute each year, particularly in the woodshop, where they craft essential furniture for families in need. Feel the community spirit come alive with stories of friendly competition and creativity. Whether you're interested in volunteering, attending events, or donating, find out how you can support the Furniture Bank's mission and make a tangible difference in your community.To find out more:http://furniturebankcoh.orghttps://www.instagram.com/furniturebankcoh/https://www.facebook.com/furniturebankcohSarah Thress614-893-5885 First Time Home Buyer course: https://sarahthress.graphy.com/Instagram https://www.instagram.com/sarah_thress_realtor/Facebook https://www.facebook.com/SarahThressRealtor/https://www.youtube.com/@LIFEINCOLUMBUS

Send a textCurious about how inflation is reshaping the real estate landscape? Join us in this enlightening episode as we chat with Brendon Bland from Neighborhood Loans. Brendon sheds light on the complex relationship between inflation and interest rates, unpacking the ripple effects on home values and everyday costs. He breaks down the Federal Reserve's strategy in taming inflation and shares promising news from the latest Consumer Price Index (CPI) report, which hints at a potential fall in mortgage rates. Whether you're a first-time homebuyer or a seasoned market watcher, Brendon’s insights offer a clearer view of what to expect in the coming months.As we transition from summer to winter, the real estate market's dynamics shift, and we’re here to navigate that change with you. Brendon discusses the possible surge in buyer activity if interest rates drop, and highlights the emotional aspects of purchasing a home in this competitive market. Listen in for his practical advice on prioritizing affordability over trying to time the market. Drawing from personal experiences and professional insights, we emphasize making informed, confident decisions that benefit you and your family. Don’t miss this episode if you want to stay ahead in the ever-evolving housing market!To connect with Brendon:Brendon [email protected]://www.instagram.com/mortgagemademodern/https://www.facebook.com/brendon.blandSarah Thress614-893-5885 First Time Home Buyer course: https://sarahthress.graphy.com/Instagram https://www.instagram.com/sarah_thress_realtor/Facebook https://www.facebook.com/SarahThressRealtor/https://www.youtube.com/@LIFEINCOLUMBUS

Send a textWhat if the key to financial freedom lies in a chance meeting at a hair salon? Join us for an inspiring conversation with Keisha Smith-Jones, president and CEO of Executives Wealth Advisor Group, as she recounts her incredible journey from Navy service to becoming a powerhouse in financial advising. Discover how personal challenges, like navigating a divorce and moving cross-country with her children, shaped her career. Keisha shares profound insights on the importance of financial planning, drawn from her own family's experiences with early retirement and the impact of General Motors' bankruptcy. In this episode, we explore the advantages of holistic financial planning and how it can transform your financial future. Keisha talks about her unique approach of acting as a client's financial COO, assembling a "personal board of directors" for strategic decision-making. We also dive into the nitty-gritty of homeownership, offering practical advice on understanding the full financial picture—beyond just the mortgage. From property taxes to navigating market dynamics, Keisha provides essential tips to help you avoid becoming "house poor" and achieve lasting financial stability. Tune in for a wealth of knowledge and actionable advice that could change the way you think about money and homeownership!Contact Keisha:https://www.facebook.com/ksmithadvisorKeisha@executivesadvisor.comexecutivesadvisor.comhttps://www.instagram.com/i_am_mrs_smithjones/Sarah Thress614-893-5885 First Time Home Buyer course: https://sarahthress.graphy.com/Instagram https://www.instagram.com/sarah_thress_realtor/Facebook https://www.facebook.com/SarahThressRealtor/https://www.youtube.com/@LIFEINCOLUMBUS

Send a textEver wondered if selling your home without a realtor is worth the risk, or if it’s just a recipe for financial disaster? This week on Come to Find Out, we tackle these questions head-on with our special guest, Stephanie Ricinski from Red Frog Realty. Stephanie shares her unique experience of selling her home two decades ago, contrasting it with today's high-stakes real estate environment. Learn how modern tools like social media algorithms can make a world of difference and why a skilled realtor is more indispensable than ever.We unravel the complexities and hidden costs of For Sale By Owner (FSBO) transactions, revealing why the perceived savings might be an illusion. From legal pitfalls to marketing challenges, we discuss why many FSBO sellers end up spending more time and money than they bargained for. Stephanie offers invaluable insights into negotiating realtor commissions and outlines various service levels available, helping you understand the real value of professional assistance.To put the risks into perspective, we share real-life stories of homeowners who tried to go it alone and faced significant financial and legal setbacks. Emphasizing that selling a home is often the largest financial transaction of one's life, we detail how investing in a professional realtor can safeguard your financial future. Tune in for an eye-opening episode that uncovers the hidden intricacies of home selling and the crucial role a seasoned realtor plays in ensuring a smooth, profitable transaction.Stephanie Rucinski, Broker Red Frog [email protected]://www.redfrogrealty.comhttps://www.facebook.com/StephTheRealtorOHhttps://www.facebook.com/stephanie.rucinski*Statistics discussed came from this website https://listwithclever.com/real-estate-blog/fsbo-statistics/#regretsSarah Thress614-893-5885 First Time Home Buyer course: https://sarahthress.graphy.com/Instagram https://www.instagram.com/sarah_thress_realtor/Facebook https://www.facebook.com/SarahThressRealtor/https://www.youtube.com/@LIFEINCOLUMBUS

Send a textThis episode is all about the new buyers agreements and what that means for buyers. This change is coming from the large real estate settlements that are in the news. the first thing to know is it isn't really changing much- the seller was always able to negotiate the amount of commission they would pay and if they would pay the buyers agents. The only thing that changes is if they decide not to pay a buyers agent then now the buyer will have to pay whatever is negotiated ahead of time with their agent. Lenders are working on ways to help buyers cover that so I asked Brendon Bland, of neighborhood loans, to come on and talk to us about what this will look like for buyers and what options they have now. The VA has made changes as well as FHA and Conventional changes so you will definitely want to make sure you tune in to learn more. To connect with Brendon:Brendon [email protected]://www.instagram.com/mortgagemademodern/Sarah Thress614-893-5885 First Time Home Buyer course: https://sarahthress.graphy.com/Instagram https://www.instagram.com/sarah_thress_realtor/Facebook https://www.facebook.com/SarahThressRealtor/https://www.youtube.com/@LIFEINCOLUMBUS

Send a textThis week we are doing a state of the market update. I was joined by Brendon Bland of Neighborhood loans, who has been a reoccurring guest on the show. His industry knowledge and the way he can explain things is so good! Brendon talked about what is affecting the interest rates and what he is seeing on the lending side of things. Inflation is a hot topic we discuss in this episode and how it is contributing to a lot of things we're seeing in the world now. Rates have started to go down, but they're not as low as people predicted last year. Insurance is another thing we talked about. The rising rates of insurance and the changes we're seeing nationwide with insurance carriers is another thing affecting the market. This will be a reoccurring thing, where we give our insights into the market and what we're seeing. Make sure you listen to the podcast, share it with others, leave a review and subscribe so you never miss another episode.  Brendon [email protected]://www.instagram.com/mortgagemademodern/Sarah Thress614-893-5885 First Time Home Buyer course: https://sarahthress.graphy.com/Instagram https://www.instagram.com/sarah_thress_realtor/Facebook https://www.facebook.com/SarahThressRealtor/https://www.youtube.com/@LIFEINCOLUMBUS

Send a textThis week I wanted to share the rest of the foreclosure story so that people could hear the hassle it creates if you let your house go into the foreclosure process. My goal is to help people avoid getting into the situation that my sellers got into and have the knowledge of how to navigate it all. First of all, please know that you are not alone in this journey. There are many people in this same boat and there are people out there that want to truly help you.  So do not feel ashamed and be proactive and it will help you in the end. If you know you are about to miss a mortgage payment, please contact your lender BEFORE you miss the payment so you can see if they can help you modify your loan or refinance it. This will at least give you some options to consider. Please make sure this will actually help you and not just provide a band aid for 1 month. If it doesn't make sense in the long run to do that then move on to the next option, which is contact a realtor to explore that option. The realtor can help you figure out what your home would sell for and help you create a plan to get out of your home and make some money to help with your future purchase or your rent for a little bit until you can get back on your feet. The bottom line is, don't just bury your head in the sand and hope for the problem to go away because it won't. It will continue on whether you like it or not and you will end up with nothing at all and a bad ding on your credit if you take no action. Please listen to the episode and leave a review- feedback is a gift!Share this episode with others- that is the greatest compliment you can give me.And Subscribe to the show so you never miss an episode. Sarah Thress614-893-5885 First Time Home Buyer course: https://sarahthress.graphy.com/Instagram https://www.instagram.com/sarah_thress_realtor/Facebook https://www.facebook.com/SarahThressRealtor/https://www.youtube.com/@LIFEINCOLUMBUS

Send a textThis week I am joined by Steve Greaves with Tithe lending and Chris Dreger with Search2close title. We have all been working on a short sale together and learned a lot we wanted to share with everyone. Being in a financial crisis is never fun for anyone, but there are ways to make it impact your credit less. First of all, if you find yourself in the position of having to decide on paying your cc bill or your mortgage- always choose your mortgage! Missing a mortgage payment will impact your credit score more than a cc and will potentially signal the bank to start foreclosure proceedings. The best thing to do if you are going to miss a payment is to call you mortgage company and ask for a modification or a refinance to see if either thing can help you. You have to call before you miss the payment though because 1 missed payment can disqualify you from some of these options. If this will not be a route that works for you and you still can't make a payment, then talk to a great real estate agent who can give you the value of your home and help you figure out the best plan to sell your home so you can get out of this situation. You typically have to miss 3-6 mortgage payments before they will start the foreclosure process, but you want to be proactive during this time to help you make money off your asset. If you sell before the foreclosure process starts it a normal sale and you can keep the proceeds and start over fresh. If you don't then you have to do a short sale which will get you out from under the home, but will impact your credit and you make nothing off the sale. If you do nothing still and it goes to foreclosure, then your house will go to sheriffs auction and you will be out of the house within a week after the sale goes through and again you get nothing from your investment. Shortsales impact your credit less so it would only be 2 years instead of 7 before it falls off your credit. We cover so much more in this podcast and gives some real life examples so please:1. listen to the episode2. share it with others- that is the best compliment you can give me3. leave a review- feedback is a gift4. subscribe so you never miss another episode. Chris Dreger-Search2closehttps://www.facebook.com/Search2Closehttps://www.facebook.com/[email protected] Greaves-Tithe Lendinghttps://www.facebook.com/tithelendinghttps://www.facebook.com/profile.php?id=100092691292376steve@tithelending.com314-221-8252Sarah Thress614-893-5885 First Time Home Buyer course: https://sarahthress.graphy.com/Instagram https://www.instagram.com/sarah_thress_realtor/Facebook https://www.facebook.com/SarahThressRealtor/https://www.youtube.com/@LIFEINCOLUMBUS

Send a textThis week we are talking about HOA's and condo associations and what you need to know about them. Marie Donofrio is a local attorney who knows all the ins and outs of HOA's and condo associations and it shows. She is also very passionate about making sure people know what they are getting themselves into when they buy a house with an HOA or a condo with association dues. Marie gives the top 3 things to look for in the massive document: 1)purposes and restrictions- where you will find the things like pet restrictions, fence restrictions, car restrictions, etc 2)insurance - where you will find who is responsible for what in the condo when it comes to insuring it. 3) Maintenance and repair- this will spell out who is responsible for fixing what in the condo or home on the inside and outsideThis one is such a great episode if you are looking for a home and considering going into a new build community. This information can truly save you some headache down the line. Please listen, leave feedback, share with others and follow the show so you never miss another episode! Contact Marie Donofrio:[email protected]://www.facebook.com/Clevelandrealestateattorney/Sarah Thress614-893-5885 First Time Home Buyer course: https://sarahthress.graphy.com/Instagram https://www.instagram.com/sarah_thress_realtor/Facebook https://www.facebook.com/SarahThressRealtor/https://www.youtube.com/@LIFEINCOLUMBUS

Send a textThis week on come to find out I am talking with Ashley Garrison about divorces and top tips she gives women going through a divorce. Ashley is very passionate about helping women come out of divorce financially stable and stronger than they started the divorce. She shares on the podcast how she has experienced it first hand as a child of divorce and why she is so focused on making sure kids aren't effected by this process. She is also a huge advocate and supporter of my new program Thrive and Decide. It is a group of women that are passionate about helping women build a tribe so they don't feel alone while going through a divorce or the loss of a spouse. The goal of the group is to also help women come out financially stable on the other side. Reach out to learn more about thrive and decide and listen to the podcast to learn why Ashley could be the perfect fit for you in your time of need. Please leave feedback, share this episode with others and make sure you follow the show so you never miss an episode!Ashley [email protected] Thress614-893-5885 First Time Home Buyer course: https://sarahthress.graphy.com/Instagram https://www.instagram.com/sarah_thress_realtor/Facebook https://www.facebook.com/SarahThressRealtor/https://www.youtube.com/@LIFEINCOLUMBUS

Send a textThis week I sat down with Jill Gershutz and Justin Sheryer to talk about Credit Union of Ohio and all they do for customers. They do a lot of financial literacy classes and help customers/members to save for a house, understand credit, understand the home buying process and beyond. They are committed to helping everyone be financially fit. I have taught first time home buyer classes with them for years and love getting to help people understand the home buying process so it feels less overwhelming. They are also very invested in the community and love getting involved as much as possible. They gave a significant donation to the Hilliard Food Pantry and consistently support the weekly outdoor celebrations at the station in downtown Hilliard. Jill serves on several boards and Kees her finger on the pulse of what is going on to keep the credit union involved in all she can. They do a great job teaching kids how to manage money too and how to be financially savvy. It is a really great program where they have kid debit cards and help parents teach them how to be smart about saving and spending. Check out the podcast, leave a review, share with others and make sure to follow the show so you never miss another episode. Jill Gerschutz https://www.facebook.com/johnsongerschutzhttps://www.facebook.com/cuofohiocuofohio.orgJustin Shreyerhttps://www.facebook.com/justin.shreyerSarah Thress614-893-5885 First Time Home Buyer course: https://sarahthress.graphy.com/Instagram https://www.instagram.com/sarah_thress_realtor/Facebook https://www.facebook.com/SarahThressRealtor/https://www.youtube.com/@LIFEINCOLUMBUS

Send a textThis week I am talking about the listing agreement. I discuss what it looks like, what to expect and how I help you get ready to list your house.When I come in for a listing appointment It is free and there is no obligation to use me, but I can assure you that selling with a realtor will net you more money than selling on your own. I meet with you, find out your goals and motivations for selling and then we walk through the house and I give suggestions for things to do to get your house ready.I do an exclusive listing package where I have a cleaner and a landscaper help get your house ready for pictures and showings. I also get a professional photographer to photograph your house in the best light and angle so your house is shown in the best light. There are also 2 strategies to pricing your house- you can either go with the top number you want to net and hope for the best or you can price accordingly (at or below the comps in the neighborhood) then let the market drive up the price. I prefer the later approach, but it is always up to the seller to decide what works best for them. There is so much more in this episode so make sure you listen, leave feedback, share the episode and follow the show so you never miss another episode. Sarah Thress614-893-5885 First Time Home Buyer course: https://sarahthress.graphy.com/Instagram https://www.instagram.com/sarah_thress_realtor/Facebook https://www.facebook.com/SarahThressRealtor/https://www.youtube.com/@LIFEINCOLUMBUS

Send a textThis episode is all about earnest money, appraisal gaps and industry trends we're seeing in the central ohio real estate market. I am joined by Ryan Reynolds (not the Deadpool one, the other one) to discuss these topics. Earnest Money is the deposit buyers make when making an offer and showing the seller they really want their house. There are essentially 4 ways to get it back-1. terminate within a contingency period 2. at closing it comes back to the buyer as a credit3. if you terminate and the sellers won't agree to give you the money back you can take them to small claims court4. you can wait for 2 years and the money sits as "unclaimed funds" and then the buyer gets it backWe go into much more detail on this and give some examples in the show so you will definitely want to listen in.What is Appraisal Gap is another thing Ryan and I talk about. The appraisal is an opinion of the value of the house done by a 3rd party company and helps the lender determine how much hey will lend on the home. The bank will only give you as much as the home appraises for. If that is less than the amount you're in contract for then we have to figure out that gap. If it appraises higher than you are in contract for then you got a really good deal. We go into more detail on this and give examples on the show so you should absolutely tune in to hear it all. Tune in, leave feedback, share it with a friend or 10 and follow the show so you never miss another episode! Sarah Thress614-893-5885 First Time Home Buyer course: https://sarahthress.graphy.com/Instagram https://www.instagram.com/sarah_thress_realtor/Facebook https://www.facebook.com/SarahThressRealtor/https://www.youtube.com/@LIFEINCOLUMBUS

Send a textToday we are talking with Rachel Bond at Goosehead Insurance. She sat down with me to talk about insurance and the process that goes into finding the best coverage for home and auto. She shares with us how Goosehead takes out all the work that goes into shopping around for a policy. They gather your information and help you find the best deal. Rachel is super passionate about helping people and got into the business to help others in a way that aligns with her personal values and beliefs. Make sure you listen, leave feedback and share with others!To contact Rachel:[email protected]://www.facebook.com/rachel.bond.7505468https://www.instagram.com/rachbond_/Sarah Thress614-893-5885 First Time Home Buyer course: https://sarahthress.graphy.com/Instagram https://www.instagram.com/sarah_thress_realtor/Facebook https://www.facebook.com/SarahThressRealtor/https://www.youtube.com/@LIFEINCOLUMBUS

Send a textThis week I wanted to come on and talk about things that truly helped me to get through my divorce. I wanted people to know that all our journeys are unique but there are a few things that can help everyone on the road to healing. The 1st things is Lean into the feelings! If you feel sad, lean into it! Be sad, throw the petty party. Be mad and yell and scream into the air )not at someone). Then you will feel better the next day and you can pull up your big girl panties and keep moving. Also find a theme song that will help you to feel empowered and pump you up daily. That can make all the difference in the world. It's a roller coaster- one day the highs get higher and the lows don't get as low though.2nd thing is get a good therapist! A good one is worth their weight in gold! Mine took a year to help me radically accept that my marriage didn't work out and I will Neve know why and that's ok. Do not settle for a therapist though- the right one makes all the difference in the world. The 3rd thing is find your tribe! Find people you can talk to and know what your journey feels like- either they are in the same phase of the journey or they have been there. It makes all the difference to find people you can talk to and feel seen and heard. This is why I am creating a Come To Find Out Tribe to help women feel seen and heard and supported while going through this journey. Our first meet up event is April 13th 10-12 and it will be at the new M/I home model home in Hilliard. Here is the link to sign up.https://www.eventbrite.com/e/life-after-divorce-loss-tickets-869178435097I hope to see you there! Make sure you leave a review, share this podcast with others and follow the show so you never miss an episode! Sarah Thress614-893-5885 First Time Home Buyer course: https://sarahthress.graphy.com/Instagram https://www.instagram.com/sarah_thress_realtor/Facebook https://www.facebook.com/SarahThressRealtor/https://www.youtube.com/@LIFEINCOLUMBUS

Send a textThis week we are talking about a mortgage lender who gives back to the community in a huge way! Have you ever heard of a lender donating 10% of all revenue to a charity? Ya I hadn't heard of that either until I met Steve Greaves and heard about Tithe Lending. They have a very unique story and a very unique model. They created their company and their foundation at the same time. Their foundation is a pass through for all the money they give away so 100% of all the money that is donated to the charity will go into the community to help non profits in need. Their whole family is involved in this endeavor and has to be one of the coolest things I have heard of. Anyone that knows me knows I am a bleeding heart so I love this concept.  Also- y'all should try the cookies and icing dipped pretzels they make- you won't be disappointed! Please listen, leave a review and share it with others. Remember to follow the show too so you never miss another episode. Steve [email protected]://www.facebook.com/profile.php?id=100092691292376https://www.instagram.com/steve_greaves777/Tithe Lending https://www.facebook.com/tithelendinghttps://www.instagram.com/tithelending/Sarah Thress614-893-5885 First Time Home Buyer course: https://sarahthress.graphy.com/Instagram https://www.instagram.com/sarah_thress_realtor/Facebook https://www.facebook.com/SarahThressRealtor/https://www.youtube.com/@LIFEINCOLUMBUS

Send a textThis week I am talking to Lisa Ferguson and Jodi Vermillion from Ruoff Mortgage. They are sharing information about their first time home buyer assistance program that is unique to Ruoff. They are also talking about different percentages that are required for down payments, etc. They also explain the credit approval process and their unique program they can use to help you get a better credit score faster! You won't want to miss hearing all about them and how they can help you.Jodi Vermillion(614) [email protected]://www.facebook.com/jodivermillionLisa [email protected] Thress614-893-5885 First Time Home Buyer course: https://sarahthress.graphy.com/Instagram https://www.instagram.com/sarah_thress_realtor/Facebook https://www.facebook.com/SarahThressRealtor/https://www.youtube.com/@LIFEINCOLUMBUS

Send a textOn this week's episode I am talking to Cindy Locker and Carol VanFossen of Next Chapter Finances. They are both retired teachers and have a passion for helping people get control of their finances and achieve financial stability. They cater to women who are going through a divorce or have lost a spouse and have no idea how to handle the bills and finances, but they can help anyone who needs it. They sit down and get a full picture of what your finances look like and help you to create a plan to achieve your financial goals. Each person is different so they meet you where you are and help you become more financially stable. They are not financial planners, but they can help you figure out where your money is and what your goals are so you can go talk to a financial planner and know what you can invest. For more information contact Cindy or Carol:Cindy Locker: [email protected] Carol Van Fossen:[email protected]://www.nextchapterfinances.comhttps://www.facebook.com/profile.php?id=61556088472295Sarah Thress614-893-5885 First Time Home Buyer course: https://sarahthress.graphy.com/Instagram https://www.instagram.com/sarah_thress_realtor/Facebook https://www.facebook.com/SarahThressRealtor/https://www.youtube.com/@LIFEINCOLUMBUS

Send a textThis week we are talking with Matthew Devadan of Equity Resources. He specializes in helping people going through a divorce and understands how hard this process can be. He is passionate about helping women, like I am, come out of divorce more financially stable and ready for their next chapter. Matthew has an office at a local law firm, WSM law, who also specializes in helping women in divorce cases. Equity resources can help with any financial real estate needs, its not just for people going through a divorce. They offer all the traditional loan types but since they are a boutique firm they can also do portfolio loans and be a little more creative than most lenders. Make sure to listen, comment and share this episode with anyone you know that could benefit from this information. Also follow the show so you never miss an episode.Matthew DevadanMortgage Specialist/Team Leader | Equity Resources, Inc.Cell 419-631-4821Email [email protected]://www.facebook.com/matthew.devadanSarah Thress614-893-5885 First Time Home Buyer course: https://sarahthress.graphy.com/Instagram https://www.instagram.com/sarah_thress_realtor/Facebook https://www.facebook.com/SarahThressRealtor/https://www.youtube.com/@LIFEINCOLUMBUS

Send a textThis week we are talking about tips and ways you can protect yourself and your money through a divorce. Amy Kelly, a certified Financial Planner and Certified Divorce Financial Analyst, joins me to give some advice, tips and share some examples to help explain the process and how she can help. Even if you are not going through a divorce or haven't recently lost a spouse, this is still really good information. Everyone should have a great financial planner on their side to help them use their money wisely. Reach out to Amy to get started on your financial plan today! Amy Kelly, CFP, [email protected] (office)614-619-3160 (cell)Sarah Thress614-893-5885 First Time Home Buyer course: https://sarahthress.graphy.com/Instagram https://www.instagram.com/sarah_thress_realtor/Facebook https://www.facebook.com/SarahThressRealtor/https://www.youtube.com/@LIFEINCOLUMBUS

Send a textWhen I have a listing I like to provide services that will help get the house ready for pictures and showings. One of the services I provide is a landscaper, obviously depending on the season. I know that a buyer's opinion starts at the front of the house and curb appeal matters! I also love to support local businesses which is why I have loved working with Mathew Waters of Waters Hardscape Designs. He is local to Hilliard and I have seen his services grow over the years, which makes me so proud to partner with him on projects. Listen in to find out more about Mathew and his business and all the services he provides- its way more than mowing and mulching! You can reach out to Mathew and get a free quote or check out his socials to see some examples of the amazing thing he does. Mathew Waters614-535-5736https://www.facebook.com/profile.php?id=61554337650709https://www.instagram.com/waters_scapes_designs/Sarah Thress614-893-5885 First Time Home Buyer course: https://sarahthress.graphy.com/Instagram https://www.instagram.com/sarah_thress_realtor/Facebook https://www.facebook.com/SarahThressRealtor/https://www.youtube.com/@LIFEINCOLUMBUS