Homes & Loans

We wrap up the first season and give an update on the work being done for the upcoming second season! If you have questions about a topic from previous episodes, drop us a line at [email protected].

Join us for this final episode of Season 1 of Homes and Loans! We sit down with Rex Grasz to review income, qualifying, credit, and other details that go into a USDA loan. Have a question about this or other episodes? Drop us a line at [email protected]!

Tune in to this episode of Homes and Loans to learn about all things regarding USDA! USDA loans are a great option for those that qualify. Learn about different program options, down payment assistance, and more! Have questions about this or another episode? Drop us a line at [email protected].

Run through this real life scenario to find out how you can work on paying off your mortgage early by picking the right loan product at the right amount. Learn how you can get a better payment without needing special financing and work on paying your home off sooner than your loan term. For questions or future episode suggestions, drop us a line at [email protected]!

How much of a difference does it make being preapproved or fully approved with the right mortgage lender? Check out what Katie Lawrence has to say about what a difference it can make in getting someone their dream home. Have a question about this or other episodes? Drop us a line at [email protected].

What are the big differences in loan products? Today we compare VA to FHA to Conventional financing, reviewing the pros and cons of each product. We discuss down payment amounts, PMI, and interest rates to see who comes out on top! Have a question or want to recommend a topic for future episodes? Drop us a line at [email protected]!

Have you ever seen an advertised mortgage rate and called to find it's not true? What factors go into a mortgage rate? Dive into this episode of Homes and Loans to get all the answers and more! Have questions on this or other episodes or want to suggest topics for future episodes? Drop us a line at [email protected].

Who do you need to have on your home buying team? Do you know? Check out this weeks episode with Tami LaCanne to figure out how you can make your home buying process as easy as possible for you, the home buyer! Want to know more or have questions about a future topic? Drop us a line at [email protected]!

Have you ever wondered how to properly manage your credit? How much credit should you use? How does your credit score get calculated? Get the answers to these and other questions on this episode of Homes and Loans! Have a question about this or other episodes? Drop us a line at [email protected].

Do you know how much home you can afford? Do you know how much you can qualify for? Get the answers to these questions and more in this episode of Homes and Loans where host Alice Alvey sits down to discuss all things budget with UHM Area Sales Manager Lori McCaghren! Want to know more about this or other topics? Reach out to us at [email protected].

How do you know when you're ready to buy a house and what is on your wish list? Join us for this episode of Homes and Loans with Morgan Jaeger as we discuss how you might not want to look for that "dream home" for your first buy. Want to learn more about today's episode or suggest topics for another show? Contact us at [email protected]!⁠

Sit down with Homes and Loans host Alice Alvey as she speaks with Chicago Branch Manager Tim Brigham. They discuss housing, rates, and when it pays off to be honest with your customers. Have questions about this or other episodes? Drop us a line at [email protected].

Do you avoid credit cards due to high interest rates? Is your credit score non-existent due to low credit use? You can still get a loan! Check out this episode to learn how you can still get a mortgage with non-traditional credit financing. For more information on FHA lending, check out uhm.com/branches to find your nearest loan officer!

What does Gen Z think of homeownership? How early should they be thinking about buying a home? Is it something they even think about? Listen in to this weeks episode of Homes and Loans as host Alice Alvey sits down with recent UHM intern Kate Mihacevich to get the down low on Gen Z and their relationship with homeownership and the home buying process.

Have you ever found the perfect house while house hunting, but it just needs a few updates? Maybe it needs a new bathroom, updated kitchen, or extra bedroom? Join Alice Alvey as she chats with Cory Pirrello, Renovation Field Sales Manager, about renovating, 'but' loans, and more on this episode of Homes and Loans!

Homes & Loans is excited to welcome back construction loan expert Bill DiCapua, as he walks us through the entire process of funding a new construction home loan. Who does the money really go to? You? Your builders? Find out during this insightful new episode.  

On this special episode on Homes & Loans, host Alice Alvey welcomes homebuyer education specialist Jim Gaffney, who is the founder and creator of ‘Know Before You Go – 3 Step Guide to Home Financing’. Jim dives into helping listeners understand the three most important factors of buying a house, how to document them, and when to start preparing. Buying a home for the first time can be overwhelming, but luckily experts like Jim Gaffney are here to walk you through the process. 

What will down payment assistance cover? Jen Lawrie, mortgage industry veteran, shares insights about getting into a home fast- with other people’s money! She debunks common assistance program myths, emphasizing the hard truth that there is no such thing as free money. Listen in on this episode of Homes & Loans to learn more about the ins and outs of down payment assistance and how you can benefit from it. 

Rick Cardinali, the “Lender Chef” joins Alice Alvey on this episode of Homes & Loans to teach listeners how to be better about shopping for a home. He shares insightful advice about keeping a grasp on your emotions through the entire homebuying process, staying levelheaded with every decision you make. Ready to make a move? Tune in to learn how to successfully financially plan to buy your dream home. 

What is really covered after a big storm? Join host Alice Alvey and insurance expert Chris Arnold from Union Home Insurance Services as they uncover essential tips on protecting your home, focusing on critical issues like roof coverage. Whether you're a seasoned homeowner or new to the game, this episode is your guide to smarter insurance decisions. Tune in and stay ahead of the storm! 

How does a divorce affect your mortgage? In this episode of Homes and Loans, host Alice Alvey welcomes Carrie Goldring, an expert in divorce mortgage planning. Carrie sheds light on critical considerations for individuals navigating separation or divorce, particularly when it comes to managing mortgage applications and home ownership transitions. Whether you're in the midst of a divorce or planning for potential changes in homeownership, this episode equips you with the knowledge to navigate the complexities with confidence. 

Curious about FHA loans and how they can benefit you? Join host Alice Alvey on the Homes and Loans Podcast as she discusses the top five reasons why FHA mortgages are a game-changer in the homebuying market. From accommodating lower credit scores to accepting diverse income sources like overtime and bonuses, FHA loans offer flexibility that conventional loans often don't. Learn why FHA financing could be the right choice for your next home purchase journey. 

What is considered a stable income? How long do you need to have a job before qualifying for a loan? In this episode of Homes & Loans, National Account Executive Julie Conley breaks down the myths of two-year job requirements in mortgages. From tax returns to side gigs, find out what lenders really look for. 

What does title insurance do for you as a homebuyer?  Discover the ins and outs of title insurance in this episode of Homes & Loans featuring Kim Croftcheck, President of Mutual Title Agency. With over three decades of experience, Kim shares insights on how title insurance shields homebuyers from unexpected property ownership issues. 

In this episode, we break down the advantages of choosing a construction loan over traditional home buying methods. From flexibility in design and features to potential cost savings, our expert guest Bill DeCapua sheds light on why now might be the perfect time to consider building your dream home. 

Wondering how much money you really need to buy a home? Join Alice Alvey on the Homes and Loans Podcast as she chats with Tracy Rich, Senior Loan Officer, about affordable paths to homeownership, down payment strategies, and leveraging grants to make your dream home a reality.  

In our second episode of Homes & Loans, join our VP of National Business Development, Brian Smith, as he discusses essential considerations for future homeowners. From mental readiness to financial preparedness, discover what it takes to qualify and thrive as a homeowner. 

Welcome home to our debut episode of Homes & Loans! Join us in this special Juneteenth episode of Homes & Loans as Chrishawna Cunningham, Diversity and Inclusion Officer at Union Home Mortgage, shares her journey to becoming a homeowner at a young age. From navigating financial challenges to leveraging community resources, discover invaluable tips on achieving homeownership and celebrating freedom. 

Welcome to the Homes and Loans podcast, brought to you by Union Home Mortgage. The show that simplifies the mortgage industry and gets you ready for homeownership. Union Home Mortgage is an equal housing lender, NMLS 2229.