PODCAST · education
Mortgage Gumbo
by Mortgage Gumbo
Do you want to talk about mortgages & real estate, Gulf South style?Don’t miss the Gulf South’s Mortgage Authority Dwayne Stein every Saturday, 9am – 10am & 1pm – 2pm on WRNO 99.5 and every Saturday on WJBO 1150am at noon or the iHeart Radio app! For over 7 years, Mortgage Gumbo has been dedicated to providing education and options to current and future homeowners. Each week we’ll cover topics that YOU want to hear about including advice & tips from industry experts in all areas involving your home!Want to know how to pick and choose the right loan? We’ll talk about it.How to decide on a realtor? We’ll give you the insider secrets.Thinking about refinancing? We’ll tell you when.Don’t take advice from that well meaning uncle or brother-in-law about your home loan…get your advice from Dwayne Stein, the Gulf South’s Mortgage Authority, with 25+ years of home lending experience!
Episodes
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Fed Cuts Rates Fed CUTS Rates FED CUTS RATES - Mortgage Gumbo 09-20-25
The Fed Cuts Rates! You heard that right! The Fed Cuts Rates!. Your Chef Dwayne Stein has been saying it for a while now! So now the question becomes...is it time to trade in your rates? A Rate Trade In may be just what you need, and Dwayne will tell you why. All that and more on Mortgage Gumbo…
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Celebrating 11 Years of Mortgage Gumbo on the Radio - Mortgage Gumbo 09-13-25
HAPPY ANNIVERSARY to Dwayne Stein and Mortgage Gumbo on 11 years on the Radio! Eleven years of education and options, and Chalmatian Wisdom from Gods Country on the Northshore. Dwayne has a cavalcade of guests and well wishers to help celebrat this momentous occasion...Gregory Ricks of Winning at...
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Rates Are Falling What's that Mean for You - Mortgage Gumbo 09-06-25
Rates are falling, but what does that mean for you? Your Chef Dwayne Stein will explain. All signs point to the Fed dropping rates very soon, so what can you expect. How does that affect you? Also Dwayne discusses Affordability, and gives you examples and expectations. All that and more on…
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The Annual Fantasy Football Extravaganza - Mortgage Gumbo 08-30-25
It's that time of year! It's time for the Annual Fantasy Football Extravaganza with your Football Sherpa Jason Fontenelle. Jason and Dwayne Break down all the positions, the Must Haves and Sleepers. Get your knowledge on with this yearly Fantasy Football Primer! Mortgage Gumbo w/ Dwayne Stein...
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What is a NON QM Loan - Mortgage Gumbo 08-23-25
What is a Non QM Loan? Your Chef Dwayne Stein will explain what it is and why the people of South Louisiana should know about it. Later Dwayne goes over the latest data on Existing Home sales. Finally lets get you in the game with a refi and falling rates. All that and more on Mortgage Gumbo w/...
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What Are Real Estate Contingencies - Mortgage Gumbo 08-16-25
What are Real Estate Contingencies? Your Chef Dwayne Stein will explain what they are and how they can help when writing a purchase agreement and contract. Also Dwayne goes over the latest New Home Sales data, and recaps Jerome Powell latest announcements. All that and more on Mortgage Gumbo w/...
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Fact Versus Fiction for 1st Time Home Buyers - Mortgage Gumbo 08-09-25
This week your Chef Dwayne Stein has put together a Fact vs Fiction guide to help 1st Time Home Buyers. Also, Dwayne continues to ring the bell about Buy Now and Pay Later schemes. Also, some folks from the Bureau of Labor & Statistics was Fired! Find out who. All that and more on Mortgage Gumbo…
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What is Home Affordability - Mortgage Gumbo 08-02-25
This week your Chef Dwayne Stein is talking about Home Affordability. How much Home can you afford? Dwayne goes into detail on how you can go into the housing search armed with all the knowledge you need. Also Dwayne takes about the Jobs Report and answers the question of whether or not the…
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Home Sales Falling...Well Duh - Mortgage Gumbo 07-26-25
Your Chef Dwayne Stein is back from Arizona and he is tanned, rested, and ready! Buy Now Pay Later is still a big issue, and Dwayne is the only one talking about the problem that it presents. Todays big topic is that home sales are falling. Well duh! All that and more on Mortgage Gumbo w/ Dwayne...
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A Deep Dive Into FHA Loans - Mortgage Gumbo 07-19-25
This week your Chef Dwayne Stein takes a deep dive into FHA Loans. How can an FHA loan help you? Years ago Dwayne didn't have much good to say about FHA Loans. But things change, and he brought reciepts! Also Dwayne covers the new CPI & PPI numbers and does his weekly segment "Rate Watch". All…
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The Queen of Insurance - Collette Biedenkopf LIVE in Studio - Mortgage Gumbo 07-12-25
The Queen of Insurance - Collette Biedenkopf is live in studio today! Your Chef Dwayne Stein has rolled out the red carpet for her Royal Higness to talk about all things home insurance. The first thing that the Queen addresses is the Cost of Insurance. Is there any relief on the horizon? Also...
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I'm Under Contract So Now What? Mortgage Gumbo 07-05-2025
HAPPY FOURTH OF JULY!!! This week your Chef Dwayne Stein answers a common question for home buyers. I'm under contract to buy a home...so now what? Dwayne goes through a bit of a checklist for you. Go out and get some insurance quotes, schedule inspections, and more. Also Dwayne gives his…
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What is Home Affordability - Mortgage Gumbo 2025-06-28
This week your Chef Dwayne Stein explains what home affordability means. Why seller paid concessions is better than lower purchase price.Also Dwayne talks about Student Loans and Buy Now Pay Later syndrome that is sweeping the nation. All that and more on Mortgage Gumbo w/ Dwayne Stein 6/28/25
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What is a Mortgage Payment? Mortgage Gumbo 6-14-25
What is a Mortgage Payment? What's IN a Mortgage Payment? Never Fear! Your Chef Dwayne Stein is here to explain it all. It's not just a sum of money, there is a lot that goes into it, and Dwayne explains it all. The new CPI reports aka Consumer Price Index are in, and Dwayne has receipts on what...
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1st Time Homebuyer Credit Tips - Mortgage Gumbo 6-7-25
This week your Chef Dwayne Stein shares some credit tips first time homebuyers. For instance, what's an authorized user? Should I pay down my credit in 10% increments? Then Dwayne goes over the latest data on Pending Home Sales and the Jobs Report. Finally, Dwayne shares his thoughts on where are...
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The TEN Commandments When Buying a Home - Mortgage Gumbo 5-31-25
The TEN Commandments when buying a home! This week your Chef Dwayne Stein goes over ten things that you should NOT do when applying for a home loan. Dwayne revisits a call we got from last weeks show about a person who wants to move into a new home, but he really likes his current 3% rate. What...
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Do I Really Need 20% Down Payment - Mortgage Gumbo 5-24-25
This week your Chef Dwayne Stein answers the question, "Do I need a 20% Down Payment?" The short answer. No. Save that money for liquidity and more. Also,what is Federal Debt? Dwayne breaks it down. Finally, Buy Now Pay Later is becoming an epidemic, and Dwayne is one of the few out there…
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1st Time Home Buyers Are Taking Over - Mortgage Gumbo 5-10-25
First Time Home Buyers are taking over! Your Chef Dwayne Stein wants you to know he's proud of you! First timers are no longer chasing a number but looking at the benefits of home ownership! Later Dwayne talks about the latest info on Student Loans. The extensions on student loans are done, and…
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First Time Home Buyer Tips - Mortgage Gumbo w/ Dwayne Stein 5/3/25
This week your Chef Dwayne Stein wants to give you some tips for 1st time home buyers. But this isn't the usual stuff, like credit repair, down payments. This is a deep dive on HOW to prepare for buying a home. Also, Dwayne has seen an alarming trend in buy now pay later among Gen Z. Finally,...
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The Construction Loan Guru & Executive VP from the Mothership Shan Lassig on Mortgage Gumbo 4-26-25
What is a Construction Loan? Well, your Chef Dwayne Stein has brought in the Expert! Shan Lassig, Executive Vice President of Construction Loans with the Mothership. Shan and Dwayne will guide you through the process, and types, and best practices when looking for a construction loan. All that…
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How are Mortgage Rates Determined? Mortgage Gumbo 4-19-25
Happy Easter from your Chef Dwayne Stein! This week Dwayne explains How Mortgage Rates are Calculated and Determined. What goes into deciding the rates. Well, Dwayne has you covered. For instance, what is your lock period, how many days? 15, 30 45? All that and more on Mortgage Gumbo w/ Dwayne...
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What is a Recession? Mortgage Gumbo 4-12-25
This week your Chef Dwayne Stein explains what a recession actually is, and how it affects your rates. Dwayne is also joined by Charles Guinchard. President of the Old Mandeville Business Association. to talk about the Girod Street Stroll. All that and more on Mortgage Gumbo w/ Dwayne Stein 4-12-25
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The Queen of Insurance Collette Biedenkopf is Live In Studio 4-5-25
The Queen of Insurance Collette Biedenkopf has arrived in her golden chariot! The Queen is in studio with your Chef Dwayne Stein to talk about the state of the Insurance Market. Also they discuss the importance of insurance, and why you need it! All that and more on Mortgage Gumbo w/ Dwayne Stein...
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Home Renovation Projects with the Best Return on Investment - Mortgage Gumbo with Dwayne Stein 3-29-25
This week your Chef Dwayne Stein has a Spring Special on the menu. Dwayne presents the top home improvement projects with the best returns on your investment. Several small ideas, that can have a huge impact on the value of your home. Also, Dwayne talks about his buddy Jerome Powell, and the…
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Is a Refinance Right for You? Mortgage Gumbo with Dwayne Stein 03-22-25
Spring is here and home loan refinancing is in bloom. This week your Chef Dwayne Stein wants to help you find out if a Refinance is right for you. To do that Dwayne goes down the Refinance Checklist. Also, Dwayne suffered through Fed Chair Jerome Powell's press conference so you don't have to!…
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How to Find the Right Home - Mortgage Gumbo with Dwayne Stein 03-15-25
On today's menu, your Chef Dwayne Stein goes through a checklist on How to Find the Right Home!. Dwayne will discuss different loan types, and programs that can help narrow your serach.Also, how can a free second look at your home loan help you out? Well...that free second look can save you...
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Are you Ready to Become a Real Estate Investor? Mortgage Gumbo with Dwayne Stein 03-08-25
Are you ready to become a real estate investor? Well, you Chef Dwayne Stein is here to help. Have you heard about DSCR Loans? Debt Services Coverage Ratio loans can make the dream a reality. Later Dwayne looks at his crystal ball to examine appreciation. Why owning a home is great, now and in the...
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What is a Contingency? Mortgage Gumbo with Dwayne Stein 2-22-25
Credit Awareness Month continues as your Chef Dwayne Stein helps you prepare for the Spring Home Buying Season! To help you prepare Dwayne explains the state of inventory at the moment, as well as tips to prepare. Finally Dwayne explains what a Contingency is when purchasing a home. What you need...
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Debunking Credit Myths - Mortgage Gumbo with Dwayne Stein 2-15-25
It's Credit Awareness Month, and your Chef Dwayne Stein continues his month long journey to bring you education and options when it comes to Credit Awareness. This week Dwayne is Debunking Credit Myths! Not just that, but answering your questions. Also, Dwayne hopes you had a great Valentines...
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What is a Renovation Loan - Sandee Lutz Renovation Loan Ninja - Mortgage Gumbo 02-08-25
What is a Renovation Loan? Your Chef Dwayne Stein has the answers and a special guest! Sandee Lutz, Renovation Loan Specialist and the Renovation Ninja joins the show to explain Reno Loans. Who can get one? How do I get one and what can I use it for? All that and more on Mortgage Gumbo w/ Dwayne...
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Seller Paid Concessions - Mortgage Gumbo 01-25-25
It's February and that only means one thing! Credit Awareness Month! To kick off the month your Chef Dwayne Stein is gonna bake a Pie Chart! This pie...chart will explain How your Credit is actually Scored. So sit back, grab a paper and pen, and starp in as we prepare you for the Spring Home…
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Down Payments How Much Should I Put Down - Mortgage Gumbo 01-18-25
This week's Big Topic is Down Payments. How much money do I need to put down to buy a home? Your Chef Dwayne Stein talks about perception versus reality when it comes to down payments. Also Dwayne recaps your 5th grade education about Supply & Demand. All that and more on Mortgage Gumbo w/ Dwayne...
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The TEN Commandments When Buying a Home - Mortgage Gumbo 01-11-25
This week your Chef Dwayne Stein covers the TEN Commandments when buying a home. How are those New Year Resolutions going? Ya sticking to em? Also Dwayne talks about Budget Busters on your credit cards and home budget. All that and more on Mortgage Gumbo w/ Dwayne Stein 01/11/25
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Seller Paid Concessions - Mortgage Gumbo 01-25-25
This week your Chef Dwayne Stein is talking about Seller Paid Conncessions. Dwayne is shocked by the amount of people who have NO IDEA what these are and how they can make your dream of homeownership easier to achieve. Later Dwayne covers the Existing Home Sales data that has come out. All that…
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2025 Rate Forecast - Should I Wait? Mortgage Gumbo 01/04/25
Happy New Year!!! Your Chef Dwayne Stein kicks off the New Year with Education & Options to help you protect your largest investment...your Home! Dwayne starts the show with the 2025 Mortgage Rate Forecast. What are the Rates, and should I wait? Later Dwayne talks about the Top 6 Resolutions that...
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How to Use a Gift When Buying a Home 12-21-24
MERRY CHRISTMAS!!! How do you use a Gift when looking to buy a home. This week your Chef Dwayne Stein digs deep in the explanation of how to properly use a gift of equity when purchasing a home. Who can give a gift? Who's eligible for a gift? What can the gift be used for? Later Dwayne talks…
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Jeff LeSaicherre of Fleur De Lis Law & Title 12-14-24
This week you Chef Dwayne Stein is joined Live In Studio with Jeff LeSaicherre of Fleur De Lis Law & Title. A proud member of the Total Home Authority and Gumbo Nation. Jeff talks about all things related to your home. But todays big emphasis is all about Estate Planning. Do you have a plan in...
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All About Reverse Mortgages - Mortgage Gumbo with Dwayne Stein 12/07/24
This week your Chef Dwayne Stein is joined by Senior Reverse Mortgage Advisor Patrick Ortiz aka The Doctor of Reverse-ology. What is a Reverse Mortgage? Who qualifies for a Reverse Mortgage? More importantly, how does it work? Are you a Boomer who wants to make sure you don't leave your kids with...
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What is the Federal Fund Rate? Mortgage Gumbo with Dwayne Stein 11-23-24
The cornerstone of Mortgage Gumbo is Education and Options. Education, Education, Education. This week your Chef Dwayne Stein answers the question...What is the Federal Fund Rate? Dwayne makes an easy to understand analogy about Lemonade stands and Banks. Also, to help people understand, he talks...
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Christmas Credit Tips - Mortgage Gumbo With Dwayne Stein 11 - 16 - 24
Ho Ho Ho This week your Chef Dwayne Stein has some Christmas Credit Tips for you! This show is built on education and options, and Dwayne plays Santa this week to help you Win this Christmas. Also he talks about Loan Limits and Conforming Loans. Then Dwayne asks what's up Gen Y and their…
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Mortgage Gumbo Salutes Our Veterans - All About VA Loans 11 - 9-24
Mortgage Gumbo Salutes Our Veterans! Today's show is all about VA Loans. Who's Eligible. What's Entitlement? What are the Benefits of VA Loans. What are the Pros and Cons? Finally, what about Taxes for Veterans on VA Loans. All that and more on Mortgage Gumbo w/ Dwayne Stein 11/9/24
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Tools to Help You Succeed - Mortgage Gumbo with Dwayne Stein 10-26-24
This week on Mortgage Gumbo your Chef Dwayne Stein will arm you with the toolsyou need to succeed. Dwayne has the tools you need to show you what your house and it's appreciation value will be 5 years from now. Alos he can show you which houses will give you a larger return on your investment....
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How to Get Rid of PMI - Mortgage Gumbo with Dwayne Stein 10-12-24
How to get rid of PMI. Well the first question might be what is PMI? How can I use it to my advantage? PMI stands for Private Mortgage Insurance and it's available for conventional loans, but what about non conventional? Does your head hurt yet? Don't sweat it, your Chef Dwayne Stein will explain...
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We Answer Your Questions on Mortgage Gumbo with Dwayne Stein 10-05-24
This week, your Chef Dwayne Stein is answering your questions! Whether you send themin via emil, or slide into the Gumbo Nation DM's or even good old fashioned snail mail. Dwayne answers some Facebook Live questions as well. For example... What is PITI? Principles, Intrest, Taxes and Insurance.…
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The Queen of Insurance Collette Biedenkopf on Mortgage Gumbo with Dwayne Stein 9-28-24
Today your Chef Dwayne Stein is joined by The Queen of Insurnce Collette Biedenkopf. The Queen and the Chef discuss the current state of Insurnace in the State of Louisiana. Specificaly the Insurer of last resort....now the only resort...Citizens Insurance. Also they talk about Hurricane coverage...
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THA Member Collette Biedenkopf The QUEEN of Insurance Mortgage Gumbo with Dwayne Stein 2/24/24
Total Home Authority Member, Collette Biedenkopf, the Queen of Insurance joins the show! This week we're talking Insurance. Home Owners insurance, Flood Insurance, and more. Later Dwayne and Collette do a Rapid Fire Q&A session. Like, what is a deductible, the difference between replacement cost...
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Credit Awareness Month : Credit Myths Debunked : Mortgage Gumbo with Dwayne Stein 2/17/24
Credit Awareness Month rolls on! This week your Chef Dwayne Stein Debunks Credit Myths. What's the difference between a Soft credit pull versus a Hard credit pull? Dwayne also answers the questions you sent in via email, or social media messages. Dwayne kicks off the show with some intresting…
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Credit Awareness Month : Tips & Tricks : Mortgage Gumbo w/ Dwayne Stein 2/10/24
Credit Awareness Month Continues. Last week broke down HOW your Credit Score was determined. This Week your Chef Dwayne Stein revisits that information, but gives you the Tips & Tricks you need to know to Increase your Score! Later Dwayne shares his thoughts on Jerome Powell and his 15 minutes of...
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Credit Awareness Month : HOW is Your Credit SCORED? Mortgage Gumbo with Dwayne Stein 2/3/24
February is Credit Awareness Month. All month long your Chef Dwayne Stein will be giving you education and options, and most of all the Truth about you Credit Score and More. We kick off Credit Awareness month by explaining HOW your Credit is Scored. Later Dwayne talks about the the latest news...
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Is a Refinance Right for You? Mortgage Gumbo with Dwayne Stein 1/27/24
Is a Refinance Right for You? Your Chef Dwayne Stein is always bringing you education and options, and his favorite phrase is Marry the House, Date the Rate. We can't all have a 2% rate, but you can maximize your savings by considering a refi. Dwayne kicks off the show with the full data from…
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ABOUT THIS SHOW
Do you want to talk about mortgages & real estate, Gulf South style?Don’t miss the Gulf South’s Mortgage Authority Dwayne Stein every Saturday, 9am – 10am & 1pm – 2pm on WRNO 99.5 and every Saturday on WJBO 1150am at noon or the iHeart Radio app! For over 7 years, Mortgage Gumbo has been dedicated to providing education and options to current and future homeowners. Each week we’ll cover topics that YOU want to hear about including advice & tips from industry experts in all areas involving your home!Want to know how to pick and choose the right loan? We’ll talk about it.How to decide on a realtor? We’ll give you the insider secrets.Thinking about refinancing? We’ll tell you when.Don’t take advice from that well meaning uncle or brother-in-law about your home loan…get your advice from Dwayne Stein, the Gulf South’s Mortgage Authority, with 25+ years of home lending experience!
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