Talk of The Towne

Shirvan Speaks is back in a special episode to celebrate Women's History Month this March! In this episode, Shirvan speaks with loan officers Lisa O'Hagan (NMLS #200506), Ann Fisher (NMLS #476411), and Sandra D'Zmura (NMLS #496313) about their experience as women in the mortgage industry. _______________________________________________________________ The Shirvan Speaks Podcast is brought to you by FitzGerald Financial Group, a division of TowneBank Mortgage. NMLS #512138. Shirvan Joseph, our host, is NMLS registered, NMLS #188513. The contents of this podcast are for informational and educational purposes only. We are not financial advisors. Shirvan Joseph and FitzGerald Financial Group are Equal Housing Lenders. This is not a commitment to lend. Enjoy.

Shirvan Speaks is back in a special episode to celebrate the 20th anniversary of FitzGerald Financial Group with founder Dan FitzGerald (NMLS #276013). Tune in as they discuss what sets FitzGerald Financial apart, the secrets to longevity in business, and some of Dan's personal favorite stories and memories with Fitz. This is truly an episode that you do NOT want to miss! The Shirvan Speaks Podcast is brought to you by FitzGerald Financial Group, a division of TowneBank Mortgage.. NMLS #512138. Shirvan Joseph, our host, is NMLS registered, NMLS #188513. The contents of this podcast are for informational and educational purposes only. We are not financial advisors. Shirvan Joseph and FitzGerald Financial Group are Equal Housing Lenders. This is not a commitment to lend.

Listen to this month's episode of Shirvan Speaks, where Shirvan brings on Dan FitzGerald, Founder of FitzGerald Financial, to discuss the surprising benefits of FHA loans in today's housing market.

David and Tyler break down all the economic data from June: The much hotter-than-expected jobs report, the Fed's decision to not raise rates, inflation slowing to 4.0%, construction activity drastically improving halfway through the year, and the ongoing housing inventory problem.    - U.S. Job Growth Remains Strong Despite Economic Clouds (https://www.nytimes.com/2023/06/02/business/economy/jobs-report-may-2023.html)    - Fed Holds Rates Steady but Expects More Increases (https://www.wsj.com/articles/fed-holds-rates-steady-but-expects-more-increases-b1be87f2) - Inflation rose at a 4% annual rate in May, the lowest in 2 years (https://www.cnbc.com/2023/06/13/cpi-inflation-report-may-2023-.html)   - US Housing Starts Surge Most Since 2016, Exceed All Estimates (https://www.bloomberg.com/news/articles/2023-06-20/us-housing-starts-surge-to-a-more-than-one-year-high#:~:text=Beginning%20home%20construction%20jumped%2021.7,to%20an%2011%2Dmonth%20high.)   - Homebuilders are liking today’s housing market (https://finance.yahoo.com/news/homebuilders-are-liking-todays-housing-market-140053582.html) David Macaione # 117378 and Tyler Cralle # 2028201 | TowneBank Mortgage is an Equal Housing Lender. NMLS # 512138. This not a commitment to lend. The content of this video are for educational and informational purposes only. TowneBank Mortgage is not a financial advisor.

To learn more about our resources to help our Spanish Speaking Community with accessible homeownership opportunities, click here: https://bit.ly/FitzSpanishResources Shirvan Joseph 571-278-8351 NMLS ID #: 188513 https://fitzgeraldfinancial.net/shirvanjoseph/ 301-213-7239 NMLS ID #: 658909 ⁠https://fitzgeraldfinancial.net/wilmerpalacios/ 240-305-8446 NMLS ID #: 189758 ⁠https://fitzgeraldfinancial.net/keniaescobar/⁠ The Shirvan Speaks Podcast is brought to you by FitzGerald Financial Group, a division of TowneBank Mortgage.. NMLS #512138. Shirvan Joseph, our host, is NMLS registered, NMLS #188513. The contents of this podcast are for informational and educational purposes only. We are not financial advisors. Shirvan Joseph and FitzGerald Financial Group are Equal Housing Lenders. This is not a commitment to lend. Enjoy!

Graduation is exciting for everyone; students and families, but what happens after you cross the stage?Listen to this month's episode of Shirvan Speaks, where Shirvan brings on Chris Boston, a fellow Loan Officer who shares a passion for educating college students about life and finances after graduation. Together, the pair provides insight on what to expect after the diploma and how to use those financial skills to prepare for homeownership early. Shirvan Joseph 571-278-8351 NMLS ID #: 188513 https://fitzgeraldfinancial.net/shirvanjoseph/ Chris Boston 202-369-2680 NMLS ID #: 704720 https://fitzgeraldfinancial.net/chrisboston/ The Shirvan Speaks Podcast is brought to you by FitzGerald Financial Group, a division of TowneBank Mortgage.. NMLS #512138. Shirvan Joseph, our host, is NMLS registered, NMLS #188513. The contents of this podcast are for informational and educational purposes only. We are not financial advisors. Shirvan Joseph and FitzGerald Financial Group are Equal Housing Lenders. This is not a commitment to lend. Enjoy!

David Macaione and Tyler Cralle discuss the start of the spring buying season with data from March that shows inflation continuing to cool was met with signs of a loosening labor market, the importance of the spread between the 10-year treasury and a 30-year mortgage rate, the big jump in rate locks in March, and the continued lack of housing inventory not just nationwide but in Wilmington.   Show Notes: U.S. Inflation Eased to 5% in March US Producer Prices Fell in March by Most Since Start of Pandemic U.S. Job Growth Eases, but Extends Its Streak Rate Lock Volumes Jump 43% in March on Seasonal Tailwinds David Macaione # 117378 and Tyler Cralle # 2028201 | TowneBank Mortgage is an Equal Housing Lender. NMLS # 512138. This not a commitment to lend. The content of this video are for educational and informational purposes only. TowneBank Mortgage is not a financial advisor.

Grants are a great option for buyers looking for more opportunities for homeownership. In this month's episode of Shirvan Speaks, Shirvan discusses the benefits of utilizing a grant and some of the local options available in the VA/DC/MD markets. For more information regarding grant options near you, contact a loan officer to learn more! Shirvan Joseph Phone: 240-335-0170 Shirvan.Joseph@fitzgeraldfinancial.netwww.fitzgeraldfinancial.net/shirvanjoseph  The Shirvan Speaks Podcast is brought to you by FitzGerald Financial Group, a division of TowneBank Mortgage.. NMLS #512138. Shirvan Joseph, our host, is NMLS registered, NMLS #188513. The contents of this podcast are for informational and educational purposes only. We are not financial advisors. Shirvan Joseph and FitzGerald Financial Group are Equal Housing Lenders. This is not a commitment to lend. Enjoy!

We are so excited for this one too! We had the pleasure of talking with the one of newest homeowners in Towne, Jordan Holmes!   Jordan is a member of our Marketing Team, 24 years old and bought her first home on her own!   In this episode, we discussed what the mortgage process was like for Jordan, how she prepared, her experience working with a Towne local lender and what led her on this exciting journey! We hope to inspire all renters looking to make the leap into homeownership by listening to Jordan’s story. 

We are back with another very special episode of The Talk of the Towne Podcast. In this episode, we spoke with three very influential women on our team who had a lot of perspective to provide in honor of Women's History Month. Shirley Sasser, SEVP/Director of National Sales, Sheri Husser, SEVP/Mortgage Chief Operating Officer, and Wendy Lewis, SEVP/Director of Mortgage Marketing, sat down with us for our first panel to answer some questions regarding women in the industry and what led them to where they are today. TowneBank Mortgage is an Equal Housing Lender. NMLS #512138. This is for informational and educational purposes only. This is not a commitment to lend.

March is Credit Education Month, so we met with Shirvan Joseph and Sean Higgins, EVP at United One, to answer some pressing Credit Questions from a Gen Z Buyer's perspective. Not Gen Z? Not a problem! The topics that Shirvan and Sean discuss go beyond the generational divide and can apply to anyone! _________________________________________________________________________________________________________________________________________ The Shirvan Speaks Podcast is brought to you by FitzGerald Financial Group, a division of TowneBank Mortgage.. NMLS #512138. Shirvan Joseph, our host, is NMLS registered, NMLS #188513. The contents of this podcast are for informational and educational purposes only. We are not financial advisors. Shirvan Joseph and FitzGerald Financial Group are Equal Housing Lenders. This is not a commitment to lend. Enjoy

David & Tyler discuss the latest decision by the Fed and the bizarre market reaction, the very surprising jobs report that showed the labor market is still as hot as ever, the CPI report that showed inflation cooling but not as fast as expected, the cooling housing market, and the jump in homebuilder confidence.    Show Notes:  The Fed Raises Rates a Quarter Point and Signals More Ahead https://www.nytimes.com/2023/02/01/business/federal-reserve-interest-rates.html Unemployment Falls to 3.4%, Lowest in 53 Years, Jobs Report Shows https://www.wsj.com/articles/january-jobs-report-unemployment-rate-economy-growth-2023-11675374490 Inflation Cooled Just Slightly, With Worrying Details https://www.nytimes.com/2023/02/14/business/economy/january-cpi-inflation-report.html Home Prices Fell in November for Fifth Straight Month https://www.wsj.com/articles/home-prices-fell-in-november-for-fifth-straight-month-11675175601 Homebuilder sentiment in February improved by the biggest amount in a decade https://www.cnbc.com/2023/02/15/homebuilder-sentiment-february-biggest-gain-in-decade.html         David Macaione # 117378 and Tyler Cralle # 2028201 | TowneBank Mortgage is an Equal Housing Lender. NMLS # 512138. This not a commitment to lend. The content of this video are for educational and informational purposes only. TowneBank Mortgage is not a financial advisor.

Shirvan Speaks is back in a new year and a new season with a new and exciting guest - DAN FITZGERALD (NMLS #276013). Tune in as they discuss what sets FitzGerald Financial apart and some of Dan's personal favorite stories and memories with Fitz. This is truly an episode that you do NOT want to miss! _______________________________________________________________ The Shirvan Speaks Podcast is brought to you by FitzGerald Financial Group, a division of TowneBank Mortgage.. NMLS #512138. Shirvan Joseph, our host, is NMLS registered, NMLS #188513. The contents of this podcast are for informational and educational purposes only. We are not financial advisors. Shirvan Joseph and FitzGerald Financial Group are Equal Housing Lenders. This is not a commitment to lend. Enjoy.

Denise Counce, Senior Vice President and Diversity and Inclusion Officer, guest stars on the latest episode of the #TalkOfTheTowne Podcast. Listen as we discuss the importance of Diversity, Equity and Inclusion (DEI) in the workplace, and the positive impact that the DEI initiative has had on Towne. Denise's unique role at Towne and bubbly personality makes her an excellent addition to our podcast lineup! TowneBank Mortgage is an Equal Housing Lender. NMLS #512138. This is for informational and educational purposes only. This is not a commitment to lend. Member FDIC

In this episode of the Talk of the Towne Podcast, we are honoring the black community with a very special episode for Black History Month. We spoke with Shirvan Joseph (NMLS #188513) with FitzGerald Financial Group and Carla Holmes (NMLS #346828) with TowneBank Mortgage - two Loan Officers who take pride in their initiatives for fair lending and equal housing. TowneBank Mortgage is an Equal Housing Lender. NMLS #512138. This is for informational and educational purposes only. This is not a commitment to lend. 

David & Tyler discuss the latest jobs report that shows the labor market holding strong heading into 2023.  The latest inflation data shows consumer and producer prices slowing faster than expected.  Mortgage demand jumps to start the year and homebuilder confidence jumps for the first time in 13 months. David Macaione # 117378 and Tyler Cralle # 2028201 | TowneBank Mortgage is an Equal Housing Lender. NMLS # 512138. This not a commitment to lend. The content of this video are for educational and informational purposes only. TowneBank Mortgage is not a financial advisor. 

David Macaione # 117378 and Tyler Cralle # 2028201 discuss the Federal Reserve’s last rate hike of 2022 and their predictions for the economy over the next three years, the latest CPI report that showed inflation slowing to 7.1%, the latest jobs report that continues to show strength in the labor market, and what this all means for mortgage rates and the housing market.   Show Notes:  Wall Street Journal: Fed Raises Rate by 0.5 Percentage Point, Signals More Increases Likely https://on.wsj.com/3hLEIbr New York Times: Inflation Cooled Notably in November, Good News for the Fed https://nyti.ms/3hP8o7m Yahoo Finance:  November jobs report: Payrolls rise by 263,000, unemployment rate holds at 3.7% https://yhoo.it/3PLSpUk CNBC: U.S. single-family home prices slow again in September. https://cnb.cx/3WvGw78 TowneBank Mortgage is an Equal Housing Lender. NMLS # 512138. This not a commitment to lend. The content of this video are for educational and informational purposes only.

We're going PINK this mont on the Talk of the Towne Podcast! Paige Campion, (NMLS #557394) Senior Mortgage Loan Officer at Towne Mortgage of the Carolinas, is this month's podcast guest of honor, sharing her story as a breast cancer survivor in honor of #BreastCancerAwarenessMonth.  We are honored that Paige wanted to tell her story in order to raise awareness and remind others to schedule their annual appointments. Early detection is vital and every day matters. 🎗️ Thank you, Paige Campion for inspiring us and others who listen to this episode.  TowneBank Mortgage is an Equal Housing Lender. NMLS# 512138. The contents of this podcast are for informational purposes only. This is not a commitment to lend.

We're BACK with another episode of the Talk of the Towne Podcast! Chris Busching (NMLS #609816), Towne's National Renovation Manager, hopped on the pod to talk about Renovation Loans, and we promise it's worth a listen! If you love watching HGTV, then you'll definitely be a fan of this episode! His Favorite Quote? It’s difficult to find the perfect home, but it’s easy to make every home perfect. (Chef kiss) Listen Now! TowneBank Mortgage is an Equal Housing Lender. NMLS# 512138. The contents of this podcast are for informational purposes only. This is not a commitment to lend. 

We sat with Kim Pate, SVP Director of Residential Construction Lending (NMLS# 305553) , to discuss the lesser-known Construction Loan! DID YOU KNOW? We have a team dedicated to helping buyers build their dream homes? Learn more in our newest podcast episode! Listen Here!

TowneBank Mortgage is an Equal Housing Lender. NMLS# 512138. In this episode, we speak with Mary White, Vice President and Mortgage Loan Officer. (NMLS # 239330) Listen to Mary provide her insights and expertise on the mortgage industry and her work with First-time homebuyers. Enjoy! https://townebankmortgage.com/officers/mary-white/

TowneBank Mortgage is an Equal Housing Lender. NMLS# 512138.  In this episode, we speak with Kristen Smith, VP of Mortgage Lending in Suffolk, VA. (NMLS # 306103). Kristen dives into discussing the mortgage industry, motherhood, and being a successful woman in mortgage.  Enjoy!

Unsure what happens when you're about to start the mortgage podcast? No worries! Shirvan Joseph, NMLS# 188513, is here to discuss what to expect when getting pre-qualified, what happens during the initial mortgage process, and more!  TowneBank Mortgage and Fitzgerald Financial Group, LLC a division of TowneBank, NMLS #512138. Equal Housing Lender. This is not a commitment to lend.

In this episode, Shirvan Joseph, NMLS# 188513, breaks down the importance of credit towards the homebuying process. We know that the process may seem daunting, but with Shirvan’s guidance, understanding credit and homeownership just got a little easier. TowneBank Mortgage and Fitzgerald Financial Group, LLC a division of TowneBank, NMLS #512138. Equal Housing Lender. This is not a commitment to lend.