All Episodes
Buying Florida — 363 episodes
AI is doing the uw, appraisal, title, and also feeding me leads everyday
Higher rates on credit cards, car loans, and is your student loan increasing in balance each month
Is it time to refinance given the present market conditions
Is it time to think about getting a HECM, with the cost of everything going up in your retirement
More mortgage stats for you
Fannie Mae, Freddie Mac announce revisions to condo insurance standards Updates include investor concentration limits, a limited review process, and expanded waivers of project review
Up to a 100% financing on an SBA 7a loan
How is AI going to change the mortgage industry
Reduced fees on title, such as no lender's policy on du findings on a refinance
Does a cashout refinance make sense since rates have dropped
Rate term refinance and what about points
What Financial Stress Looks Like for Retirees Over 62
40% of all mortgages last year were refinances
Asset based lending with no min fico score
Does your condominium association needs funds for a new roof or other big items
Interesting stats on mortgages for 2025
Do you need cash out, or consolidate, or have no mortgage payment
Closing in January when the property taxes are super low
Refinancing, are you being told the truth when they offer a super low rate and no closing costs
Fed dropped the rates but also did something from old playbook, printing 40 billion a month in QE
closed a second mortgage in 3 hours, that is for real
Fed is cutting rates does that help us on the mortgage side and lets close your loan this month for homestead
New Loan limits have increased in 2026
FNMA now has no credit scores when applying for a mortgage
What would the 50 year amortization mean
My prediction on what is going to happen next
Fed dropping rates next week , what does that exactly mean
What is trending right now in the mortgage business
using other ways to qualify for a mortgage besides using tax returns
Now offering 3rd Mortgages
Always look at the 10-year treasury
AI underwriting compared to Human underwriting
Finally no more calls due to the Trigger list being put to a stop
When is it a good time to refinance your mortgage
AI to AI on mortgages, tune in and learn the future
When the Fed says they are dropping rates next month, what is really happening today
Shop your homeowners insurance annually, let me tell you my experience
1% down program , tune in and see if you qualify
Now the 40 year interest fixed for the first 10 years
watch the 10 year treasury and you will see what interest rates do
Mixed Use and Multi Family
What really happens when the Fed drops the rates?
What about all the disclosures I get during the loan process
How does a specific power of attorney work with a mortgage closing
AI and Second Mortgages
What mortgage programs do we offer
Buying a home and keeping your present home
What else should I know about buying a condo
With Tariffs and bad auctions should I lock in my interest rate?
Where do I do Mortgages?
How to choose a mortgage broker when buying or refinancing
How does a Bridge loan work
Different options on getting cashout on your investment property
Don't use all your funds to close on your mortgage, keep some money on the side
Frequently asked questions regarding job history and funds to close on a mortgage
Rates! Rates! Rates! is it time to refinance your mortgage
Which loan product is better for you if you have lower credit scores when buying a home
Where are interest rates today and what do you think will happen
Warrantable and Non-Warrantable Condos
What is happening with Ai and mortgage origination
What is a Reverse Mortgage
What are all the disclosures that come to you during the loan process
Using rental income only to qualify for a mortgage
Offering second mortgages on primary, secondary and invrstment properties
How to increase your credit score with a rapid rescore
10% down and possible to get an appraisal waiver
Isn't it time to get prequalfied for a mortgage
Is it the right time to buy now
Eliminate your home sales contingency?
working with small businesses is so important and when it comes from a realtor, that is key
Are you having diffuclty qualifying for a mortgage, let me help
Not all questions are being answered on the condo questionnaire which is creating a major problem
Which is better to close in December or January for the property taxes
What is my prediction for interest rates in 2025
WE can close your loan in December
what happens with lower appraised values on FHA, Conventional, and
Small Business Emergency Bridge Loan
1% down to purchase a home with the lender giving you 2% down, tune in
No money down on a home if your present home has been affected by the hurricane
Now able to provide second mortgages on investment properties
What steps need to be taken after a hurricane in order to close on your mortgage
Why are interest rates going up
Purchase flood insurance even if you are not in a flood zone
Fed cut rates, what happened?
What is up with Interest Rates?
Pros and Cons of an FHA Mortgage
2/1 buydown where the lender pays the difference in interest for the 2 years and not the seller
Now offering Helocs on Primary, Secondary, and INVESTMENT PROPERTIES
What happens after the rates come down
When do you think Interest rates will really come down?
You are not in a flood zone, not a bad idea to get Flood Insurance
different ways of paying off your mortgage sooner
Is it accurate the credit scores you are pulling
Portability and homestead and what you need to know
What is the process like for a Reverse Mortgage
What happens after your home closing with all the mail coming to you?
Do you have enough insurance coverage with all the appreciation on your home
PMI is different on FHA, VA, and Conventional Mortgages
The loan limits for FHA, Va, and Conventional
A DSCR loan uses rental income only to qualify for a mortgage on an investment property
Needing only 1 year's return for the self-employed for the last 5 years for a Conventional Mortgage
Why use a Mortgage Broker
What you need to know about FHA203k
What are the 3 different types of FHA Mortgages
Mortgages and Inflation
What opportunities are their for First-Time Homebuyers
What is going on with interest rates
What do you need to know about VA Mortgage
Getting an FHA203k or a Conventional Renovation Mortgage
What different type of mortgages are there
Refinancing your mortgage using the blended rate
1% down for the purchase of your home
Bridge loans for commercial loans and residential flip properties
Is a Reverse Mortgage tabboo
DSCR - using the rental income only to qualify for an investment property
Using Business Bank Statements to qualify for a mortgage
Buying a home that is still in probate, what could go wrong?
A list of things you need to know about Condos
Need a little extra income to qualify for a mortgage and over 59 1/2 years old
Is it time to think about a Reverse Mortgage to help supplement income, health care, home repairs, etc.,
Should I lock in my interest rates when I am under contract on a new home
Happy New Year and when is it time to refinance your mortgage
Cyber attacks now at title companies
wishing you a Great Holiday and my prediction on rates for 2024
Now able to buy a duplex, triplex and quad owner occupied with 5% down
Mortgage loan limits are going up January 1, 2024
What else you need to know about condos when purchasing
Review your monthly mortgage statement in November
Check on the property taxes when buying a home, was it sold last year? is it an estate sale?
Mortgage Interest Rates
Down payment assistance - the good and the bad
you can't make this stuff up - mortgage story
What you need to know about Condos when getting a mortgage
23 millions young Adults are still living at home
The different income/debt ratios on Conventional, FHA and VA Mortgage
With rates in the 7% range does it make sense to purchase or refinance?
Would a Hecm help supplement your retirement
FHA has more changes you need to know about
Does it make sense to refinance and consolidate your student loans
Does it make sense to refinance or purchase with these higher rates
What happens after I close on my mortgage
Is it time for your kids in their 20's still living at home to think about buying a home
Technology in place to keep you updated during the mortgage loan process from beginning to end
Are you in underwriting and nothing is moving forward with your mortgage and no more answers
What you need to know about FHA Mortgage
What you need to know about paying off medical collections when getting a mortgage
Building your kids credit after graduating high school
Update on rates and fees on second homes
What happened to my monthly mortgage statement and what you need to look out for
What happens when the Govt prints another 10 Trillion ?
Does it make sense to refinance your mortgage with higher rates?
Are we you checking on the following when buying a condo
Private Insurance now available for FHA Mortgages
Scammers not only going after the borrower's wire but now Lenders
New ruling on cash our refinances and getting free money for a first time home buyer
Why are rates so much higher on a second or Investment property
Does it make sense to refinance to a higher interest rate on your mortgage?
Excellent credit and putting more money down will now hurt you with higher rates and fees
Loan officers attending your mortgage closing
Opt out of the Trigger list and do not call registry
How does the mortgage process work
Do not order the appraisal until after the home inspection
Do I lock in my interest rate on my mortgage
What is going on with interest rates and bank failures
FHFA has made changes that can also increase your interest rate
FHA is dropping there monthly PMI factor down from .85 to .55
Are you comfortable with the mortgage payment is the most important question
Does it make sense to refinance your mortgage now
What do we need to know about property taxes when buying a home
when in the month is it best to close on your mortgage
10,000 people a day are turning 65, are you all set for retirment
Why use a Mortgage Broker
Buy a home with down payment, FICO score and Reserves but no income?
A Recap of 2022 in the mortgage industry
How fast can we close on a mortgage in today's market
How will a mortgage benefit you in 2023
Happy Holidays and what is in store for 2023
A Reverse Mortgage for a purchase or a refinance
rates are coming down, houses are beginning to stay on the market
Hecum - line of credit for your retirement (Reverse Mortgage)
Rates came down this past week, is there light ? will they continue to come down
Do you need to get a HELOC loan on your home to consolidate debt and need cash
An adjustable Rate on a mortgage maybe the way to go on your next purchase
Refinancing will happen next year when rates come donw
Commercial loans that may fall out and need other options to get done
Helping Victims of a Presidentially Declared Major Disaster Area purchase a home
Final inspection needed after the hurricane
Shop your interest rate with the least amount of closing costs
what more can you possibly ask for on a self employed getting a mortgage
2/1 buydown on getting a lower payment and rate on your mortgage
Conforming loan limits increased to $715,000
What is going on this year in the mortgage industry
verification of rent when buying a home
What you need to know about your property taxes when buying a home
Shop your home owners insurance when buying a home and already owning a home
Fast closings when getting a mortgage
Using bank statements to qualify for a mortgage
Buyers are getting a better opportunity in getting a home now and what to do about the interest rates
A Non Qm lender goes out of business, is there more to come?
working capital up to 150,000
when will it be a good time to refinance
Self employed with different options of purchasing or refinancing your home without tax returns
should I buy or rent with this transitory inflation, for real?
No Income no Assets on Primary or Secondary Homes
Purchasing a home with a Reverse Mortgage
What is a non Recourse loan for a Reverse Mortgage
Is it time to consider a Reverse Mortgage for those 55 and older that is on a fixed income
Do you need to a business loan to grow your business or consolidate debt
qualifying with 1099 income for a mortgage
Is it time to sell your business to an employee, family member or some one from the outside
with inflation what is happening to interest rates and the prices of home all going up
What is happening to interest rates?
Time to grow your business, working capital, inventory, purchase of a building
Asset Depletion maybe the way to go to qualify for your next home if you do not have the w2s to qualify
Minimal down payment on a Jumbo Mortgage
Self employed with too many write-offs to buy a home
Why did my mortgage payment go up?
Don't forget about the FHA and Va loans when getting your Pre-approval letters
What is a good time frame to get a purchase done in this environment
buying commercial property with 0% down
Interest rates on Second Homes have gone up
condo questionnaire fees are going up and taking longer on a mortgage
Appraisal fees are going up and taking longer on a mortgage
escrow hold back for repairs on a purchase mortgage
drop your rate, pmi, lower insurance, consolidate debt, shorten loan term
Happy New Year and My 2022 Predictions
FHA loan limits are increasing in 2022 and did you know this about VA loans
Should I lock in my rate, something personal and little pointers going into next year
Canadians buying a home in Florida
Small Business loans for the self-employed
Closing on your purchase for year end and my recommendations
A manufactured home with land maybe an option to stay in the area you want and more affordable
with the cost of everything skyrocketing , is it time to refinance and consolidate your morgage
no pmi on a purchase with 15% down
Wiring money to closing on the purchase of your home
Which Commercial loan is best suited for you
Conforming loan limits have increased to $650,000
using rental income to qualify for a mortgage
qualifying for a mortgage using bank statements and asset depletion
what's happening with appraisal and what you need to know
FHFA makes another change for second homes and investment properties
improving your credit scores part 2
how to increase your credit scores for a mortgage
review your monthly mortgage statement and see what you can save on
no more hits to pricing on a refinance and how escrows work on a refinance
how does the escrows work on a purchase mortgage
something personal about me regarding mortgages
dropping pmi after 1 year, dropping your rate and saving money on a mortgage refinance
what happens to the payments that you did not have to make during forbearance on your mortgage
paying off your mortgage early
Should I waive the appraisal contingency when purchasing a home
Should I do an FHA or VA Streamline Refinance
updates on VA purchases in 2021
student loan changes regarding FHA Loans and Service to your customers
Should i do an adjustable rate mortgage
the documentation needed to process the mortgage loan
is your rate on your mortgage over 4%
Changes with Second Homes and Investment properties
FHA Spot Approvals on Condos
Rent to owning
are things tightening up with mortgages
LP/Du learn about having your loan approved within 24 hours of loan application
Who owns your mortgage and what about all the mortgage consolidations
Pre approval letters and what you need to know
dropping pmi, lowering rate and dropping your payment on your mortgage
verificationcof employment at the end of the mortgage loan process
what is happening to the appraisals when doing a mortgage
Second homes and investment properties , what now?
Unlock your credit scores when applying for a mortgage
Purchasing a home without a job!
does it make sense to refinance and at what cost
service service service!!!!
paying off your mortgage early
why do rates vary from a purchase, rate term and cashout and what is my prediction
telling the whole truth when applying for a mortgage
realtors calling on prequals and what to really ask
forebearance /refinance?
What are the fees from the association to get the condo approved and the borrower
should i make my mortgage payments when refinancing
Happy New Year Message and something personal
what you need to know about flood insurance
self employed/disclsoures/fha loan limits
Conventional loan limits are increasing
close in December or January? tune in on this one
Get a Second Opinion
Do you refinance your first mortgage when wanting a little cash out?
What else can delay a closing - payoffs
Ease of doing a mortgage now
your credit scores determine you interest rate and pmi
adding famlly members to the title of your home, what!!!!!!!!!
should you bring escrows to closing or roll them in?
Bankruptcy or layoffs during the loan process and what is needed
Buying Investment properties and what you need to know
What not to do when applying for a Mortgage
processing of the loan during heavy volume with low rates
fhfa delays the..50 point hit and should i pay points to drop my rate
saving money on lower rates what about the pmi and insurance
rates going up on refinances, why and what about the disclosures being sent out
should I lock in my interest rate now?
time frame for a purchase and a refinance
Self Employed getting a mortgage
are you able to get a hold of your loan officer in the evening and on weekends?
how has it changed since April 1st when Covid came to town
loans outside the box
2 people buying a home and one has lower credit scores, what do you do?
is the loan process getting harder and are they tightening up?
what happens when you get your credit report pulled?
giving back to your community
reverse mortgages
If oil can go to -38 a barrel what can happen to rates?
what are rates and what do i need to know
random - things you need to know
refinance cash out on the self employed
Overlays Overlay Overlays
can i lock in my rate upfront and is it higher than floating?
is it tightening up to get a mortgage?
how is the mortgage processing being affected, what changes are happening and who left the industry
Should I make my mortgage payments
is it Time to cash out, consolidate debt, lower your monthly payments during this unprecedented time
Mortgage rates, what is going on with the Fed cuts, is it time
NO closing cost loans, how do they really work.
saving money on getting a mortgage, learns ways to save
Getting rid of pmi - how do you do it
shortage of escrows what you need to know so you do not get a double whammy!
going to closing and what to expect
knowing the loan process - 3 part series
Part 2 of the Home Loan Process | your loan is with the processor, what happens?
Mortgage Rates
Investor Loans
Should You Refinance?
Non-QM Loans for 2020
Homestead
All You Need to Know About Condos
Changes and Updates in the Mortgage Industry
Are You Getting the Best Rate
What to Expect During the Process
Start to Finish
Buyers, Rates and Location
Buying Flipping and Real Estate Recommendations
Who Do You Go To For A Mortgage?
What are the Funds to Close
Sources of Funds to Close
How Do You Get Credit?
Appraisals
Non QM Loans on the Rise
Tailor Making Your Refinance
Delinquencies on a Mortgage
The Loan Process from Start to Finish
Is It Easy to Buy a Condo
Is It Time to Refinance with Fed Cut
Fed Rate Cut
Signing the CD Over and Over
Are You Pre-qualified?
The Loan Process
What Type of Mortgage Should You Apply For?
Are You Protected When Buying a Home
NINA for Investment Property
Foreign Nationals
Renovations Loan
VA Loans
Funds To Close
Got Income?
Give Me Some Credit