PODCAST · business
Finance with Fernando
by Fernando "The Mortgage Maverick" DaCunha
An in depth discussion on residential real estate financing. Walk through of the mortgage process, what to expect when buying real estate, and input from industry professionals.
Episodes
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Secret Credit Score Information You Need to Know Today!
I sat down with credit expert Micah Smith, founder of Micah Abigail Credit Solutions, to talk about everything credit: boosting your scores, understanding credit bureaus, and how to handle old debts like a pro. If you're serious about building/improving your credit, this episode is a must watch!...
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The Love/Hate Relationship between Landlords & Tenants
In this episode, we delve into the contentious and complex world of landlord-tenant relationships. We start by exploring the perception that landlords have unlimited financial resources but choose not to make necessary upgrades or improvements to their properties. Next, we discuss the…
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Unwinding with CBD: Enhancing Sleep, Easing Anxiety, and Smoothing Your Home Search
In this episode of Finance with Fernando, we welcome Yvette Sanchez, the owner of Your CBD Store in Wappingers Falls and White Plains, New York. Yvette shares her expertise on the benefits of CBD, including how it can improve sleep quality, reduce anxiety, and even support you during the…
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Real Estate in Beverly Hills, New York - Interview with Elka Raved (Douglas Elliman Agent)
In this episode, join host Fernando as he sits down with Elka Raved, a seasoned Real Estate Agent from Douglas Elliman, to explore the ins and outs of buying and selling in the prestigious Westchester County, New York. Often hailed as the "Beverly Hills" of New York state, Westchester County is...
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Real Estate Mastery: Insights from Matthew Valvano (Berkshire Hathaway)
Join us as we chat with Matthew Valvano, a top-tier real estate agent known for his meticulous client vetting, tech-savvy approach, and mastery of daily planning. Discover Matthew's expert strategies for vetting clients before showing homes, ensuring seamless transactions and satisfied clients...
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The Mortgage Industry's Best Kept Secret
In this episode, we're about to spill the beans on the best-kept secret in the mortgage industry: renovation loans. If you've ever dreamed of turning that fixer-upper into your dream home or wondered how to finance those much-needed upgrades, you're in for a treat. Join me as I sit down with the...
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Why are you waiting?
In this episode, I unpack the chatter surrounding the current real estate market, and everyone who is thinking they need to "Wait for the perfect moment" to buy real estate. It's time to challenge your assumptions, question your doubts, and consider why waiting might not be the wisest choice....
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I Don't Think People Understand...
It's Never A Bad Time To Buy Real Estate! Whether you're a first-time homebuyer, seasoned homeowner or work in the Real Estate industry, you have to watch this episode.
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Temporary Rate Buydowns - What You Need to Know!
Have you ever heard of a temporary rate buydown for your mortgage? Probably not. This affordability tactic is great when rates are high to allow buyers to have lower payments for a set period of time when they purchase their new home. Whether you're a consumer, or real estate professional, you…
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Biden Administration Cuts FHA Mortgage Insurance - Helpful?
The Biden Administration made an announcement that FHA (Federal Housing Administration) mortgage insurance premiums will be cut to create more affordability for homebuyers. What are the details and will this be good or bad for the economy? Please like, subscribe and email me at...
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Pay CASH for a Million Dollar Home!
Have you heard the dreaded words when submitting an offer on real estate, "The other offer is cash"? In this episode I explain how you can be a "cash" buyer, even if you don't have enough money to buy the home without a mortgage. Sounds weird right? Maybe fake? Sit back, relax and welcome to...
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What Documents are Needed When Applying for a Home Loan?
I get back to basics in this episode and explain what documents are needed to get approved for a home loan. I typically ask for these items when I'm pre-approving a client, and I recommend putting these items together before you head out to view properties. Is there a topic you'd like for me to...
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The Retired Tax Assessor Episode - Collaboration with Richard O'Donnell
In this episode I had the pleasure of speaking with retired NY state tax assessor, Richard O'Donnell, from O'Donnell & Cullen Property Tax Consultants. Most consumers aren't educated on what may happen to their taxes when buying real estate. Rich answers questions on what to expect after…
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How to Prevent Wasting Money on a Property Inspection
In this episode I give you 5 tips on what you need to look for when visiting a property before submitting an offer. Whenever I go to view a home I always bring a list of questions and take notes on the condition of the property. These tips should prevent you from wasting money on an inspector for…
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The New Year Episode - What 2023 has in store for Real Estate
Happy New Year! In this episode I discuss new loan limits for the mortgage industry, increasing inventory (because homes are sitting on the market longer), and how homeowner's have a ton of equity in their homes. Jeffrey Green from Compass joins me for the conversation. This episode is PACKED…
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Is 2023 the Year for First Time Homebuyers? What you need to know...
I chat with my realtor friend Jeffrey Green (jeffrey_green_ny) about what motivates clients to buy or sell a home in a low inventory market. We also explain how first time homebuyers were dictating offers during the COVID real estate market (against buyers paying cash). How temporary rate buy…
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Income, Assets, Credit - Part 3 - Credit
This is a revamp of my popular 3 part series - Income, Assets, Credit. In part 3 (Credit), I explain the importance of credit history when applying for a home loan and how you can prepare you credit before applying. What is revolving utilization? What needs to be done if I have derogatory items…
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Income, Assets, Credit - Part 2 - Assets
This is a revamp of my popular 3 part series - Income, Assets, Credit. In part 2 I explain the importance of reviewing your assets (bank accounts, investments, etc.) when applying for a loan and how much may be needed to close. What are liquid assets? What are illiquid assets? What accounts can…
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Income, Assets, Credit - Part 1 - Income
This is a revamp of my popular 3 part series - Income, Assets, Credit. In part 1 I explain the importance of discussing your income when applying for a loan and what lenders look for. You'll hear some real life scenarios and what can derail your deal, so you're prepared. Feel free to email me if...
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Real Estate Crash or Correction? - Interview with Rahhim Shillingford
I speak with my guest Rahhim Shillingford (Vision Alliance Realty Inc.) about whether real estate is due for a crash or correction. Rates are increasing and home prices are still high. Will the supply and demand for real estate level out naturally, or is an economic-level event in the cards?
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Inflation - How to Navigate Rising Rates and Higher Home Prices
Dizzy Parker and I have a conversation related to interest rates, home prices and what my opinion is on the future market. Similar to other episodes I provide some insight on how to improve your debt to income ratio and what I'm dealing with as a buyer in my personal life (the pain points of a...
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Anthony Lise & Jeff Green Interview - Winning a Bid Without Paying Cash!
In this episode I chat with Anthony Lise Esq. (Lise Law & Mediation PLLC) and Jeffrey Green (Compass Real Estate) to provide 3 ways that you can make your offer more attractive in today's market - without being a cash buyer! We'll also cover waiving contingencies & other tips so you're in the…
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Jeff Green from Compass Interview - 1st Quarter 2022 Update - Make your Offer Count
Jeff Green, Top Producer from Compass Real Estate joins me in this episode to discuss affordability, inventory & how you can make your offer to purchase real estate as strong as possible. Sit back, relax and enjoy the conversation!
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Why Honesty is Important When Applying for a Loan
Have you ever applied for a loan and inflated your income or maybe didn't mention something to avoid follow up questions? It's quite common. In this episode I break down why it's important to bring up different aspects of your finances at the application stage for your home loan, instead of...
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The Pros & Cons of Buying/Selling in a Holiday (Winter) Market
Today on Finance with Fernando I explain the good and bad of buying/selling in a holiday or winter market. This episode may have you rethink your strategy and have you go all-in while others are waiting until Spring to complete their real estate transactions. Wishing you a Happy Holiday &...
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Preparing for Home Ownership - Q&A with Dizzy Parker
In today's episode I have my social media manager, Dizzy Parker, ask questions to achieve his goal of homeownership. The questions and answers aren't scripted, and we follow a conversation-style approach. This episode mimics discussions I have on a daily basis with clients preparing them to take...
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Renting Vs. Buying Real Estate (2021 Market)
In this episode I revisit a topic covered in 2019. 2 years later, amidst a pandemic, the housing market is quite different. I cover what the pros and cons are to either rent or take the plunge and buy a home. Where do you fit into the discussion? Enjoy!
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How to Prepare for Closing - Timing & Expectations
So you're almost ready to close... YAY!!! It's a whirlwind of emotions: "We need to pack!", "I need to hire a mover", "I need to get checks" In this episode I explain timing and what expectations to have when preparing to close. I discuss how lenders clear loans for closing and why you may be...
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3 Tips to have a Low Down Payment in a Seller's Market
On this episode I have Jeffrey Green from Compass Real Estate (@jeffrey_green_ny) on the podcast to discuss how you can remain competitive with a low down payment offer. The current real estate market is causing buyers to pay cash, waive contingencies or put substantial money down - be prepared...
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Maverick Mindset - Out of the Box Offers in a Seller's Market
REAL ESTATE IS INSANELY HOT RIGHT NOW! I hear it every day since COVID-19 struck (insert eye roll). It's a National trend and you'll need to be prepared if you want to be the winning bid. In this episode I give examples of what my clients (and even myself) have done to be creative with our…
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Steven Markowicz Interview (Ryan Serhant Team) - City Living with COVID in 2020 and Beyond...
Steven and I discuss how COVID has changed city markets and what's to come. We discuss timing, new construction and whether there are "deals" in NYC. Enjoy!
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2021 - What are current mortgage rates and where are they headed?
Happy New Year! For the first episode of the year I provide insight on every consumers question related to real estate - Where are current mortgage rates?!? I discuss a range of market rates, what attributes go into quoting you a rate, and my outlook for the near future. Take advantage of home...
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Age, Race, Ethnicity, Marital Status, Gender?
Did you know that you can be 100 years old and apply for a 30 year home loan? Don't worry, most consumers don't. Your personal demographic doesn't change the opportunity or terms of financing you'll receive. Throughout my career I've had older individuals say "I'm XX years old, I'm sure I can't...
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7 Tips to Stay Organized and Own Your Day! 🧾✅
In this episode I give you a glimpse into how I control my work flow & what I do on a daily basis to stay organized. Grab a pen and paper 😉
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The Patience and Understanding Episode ⏳
In this episode I discuss how our world, and how we interact with each other, has transformed during COVID-19. I also give my take on how to deal with certain stressors and what to expect when entering into a business transaction. Enjoy!
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Renting vs. Buying Real Estate - The Age-Old Debate
It's a question that's existed since homes were created: Is it better to own or rent real estate? This episode discusses the Pros and Cons of both scenarios, and puts the debate to rest. Enjoy!
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How & Why I started my mortgage career...
I share a brief background on how I chose real estate finance as my career. I discuss the companies I've worked for and the experience received allowing me to become a multistate lender.
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Seller's Concession vs. Seller's Credit
Want to buy a house but still keep cash in your pocket after closing? Trying to negotiate a buy/sell while keeping your clients happy? Maybe a concession or credit can help! This episode explains what the difference is between a Seller's Concession & a Seller's Credit. They're often mixed up or...
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COVID-19 and Housing Rates
I discuss the recent housing rate market since the COVID-19 outbreak. You'll also hear me speak of the short term effects on real estate/rates, and what my outlook will be for real estate in Q2. Enjoy!
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Self-Employed Borrowers - What you need to know...
I discuss key topics that someone who's self-employed should know before trying to finance a home. Enjoy!
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2020 - Goals, Not Resolutions
What was your resolution for 2020? Everyone makes one right? This year I didn't - I made goals. I cover 7 things I've incorporated into my personal/business life to make myself a better person, and hopefully everyone around me.
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Interview PROfiles with The Serhant Team (Jennifer Alese and Ivy Kramp)
The final episode recorded in 2019!!! In this episode we speak with two agents, Jennifer Alese and Ivy Kramp, from the 3rd ranked sales team in the United States by Volume - The Serhant Team. Jennifer Alese oversees 1 Billion + (yes that's a B for BILLION) in new construction inventory for The...
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Co-op vs. Condo: What You Need to Know in 2019
Looking to buy a co-op or condo? Not sure which one fits your lifestyle? This episode explains how they're different and why. Enjoy!
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10 Questions to ask a Lender
Follow me on Facebook: @FernandoJohnDaCunha or Instagram: @MortgageMaverick. Do you know what to ask your lender when interviewing them for your home purchase/refinance? This episode gives you 10 core questions to start your conversation with a lender and help you decide if they're the right fit...
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What Happens When You're Approved (or Denied) for a Loan
It's a scary thing (notice the Halloween reference), you apply for a loan and you're denied... How does it affect your credit? What happens if you're approved? This episode goes over what can (or can't) happen when your application gets reviewed. Enjoy!
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Short Sales & Foreclosures- 2019
Clients look for them because it's a "deal", investors/flippers love them. This episode covers what a short sale and foreclosure of real estate is and how they work. Are they truly worth seeking out and pursuing? You decide!
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Interview PROfiles - Brittney Secreto (Financial Planner) - 2019
This is the 1st episode of my new PROfessional Interview series. Today we speak with Brittney Secreto about what's important when planning to not only buy/own real estate, but also live a financially comfortable lifestyle. If you want to discuss your finances (or a client's), Connect with…
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The difference of a pre-qualification vs. a pre-approval
The age old mystery: Is a pre-qualification a pre-approval... Is a pre-qualification or pre-approval just paper? A napkin maybe? This episode explains the difference of each letter and gives you my best practices to make sure your financing is in control when buying a home.
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The Commission Life and Saving
More of a personal topic... How I live off of a commission income, and what my best practices are when it comes to saving. I also mention how I discuss my pay with colleagues & clients. I hope you enjoy learning how I pay my bills each month. On to episode 15! 😎
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Proper Expectations for Real Estate- 2019
It's an exciting time - You're buying a new home. Don't let your emotions overrule logic and business sense. This episode explains the importance of thinking through an offer and to thoroughly prepare for an unexpected result, or even worse, losing the bid on your dream home. Maybe it wasn't…
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ABOUT THIS SHOW
An in depth discussion on residential real estate financing. Walk through of the mortgage process, what to expect when buying real estate, and input from industry professionals.
HOSTED BY
Fernando "The Mortgage Maverick" DaCunha
CATEGORIES
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Frequently Asked Questions
How many episodes does Finance with Fernando have?
Finance with Fernando currently has 63 episodes available on PodParley. New episodes are automatically indexed when they're published to the podcast feed.
What is Finance with Fernando about?
An in depth discussion on residential real estate financing. Walk through of the mortgage process, what to expect when buying real estate, and input from industry professionals.
How often does Finance with Fernando release new episodes?
Finance with Fernando has 63 episodes. Check the episode list to see recent publication dates and frequency.
Where can I listen to Finance with Fernando?
You can listen to Finance with Fernando on PodParley by clicking any episode. We provide an embedded audio player for direct listening, and you can also subscribe via your preferred podcast app using the RSS feed.
Who hosts Finance with Fernando?
Finance with Fernando is created and hosted by Fernando "The Mortgage Maverick" DaCunha.
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