Mortgage Gumbo: Recent Episodes
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!
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 w/ Dwayne Stein 9/20/25
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 Life, iHeart New Orleans Market President Tori Kahl, Law and Title Titan Jeff LeSaicherre, and the Queen of Insurance Collette Biedenkopf.Mortgage Gumbo w/ Dwayne Stein 9/13/25
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 Mortgage Gumbo w/ Dwayne Stein 9/6/25
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 8/30/25
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/ Dwayne Stein 8/23/25
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/ Dwayne Stein 8/16/25
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 w/ Dwayne Stein 8/9/25
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 Housing Market is stuck or frozen. All that and more on Mortgage Gumbo w/ Dwayne Stein 08/02/25
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 Stein 7/26/25
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 that and more on Mortgage Gumbo w/ Dwayne Stein 7/19/25
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 Dwayne and Collette discuss the importance of photographic evidence of your property, updating your policy when you make a large purchase, and so much more.All that and more on Mortgage Gumbo w/ Dwayne Stein 07/12/25
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 thoughts on this months new Job Report, and how it can affect mortgage rates. All that and more on Mortgage Gumbo w/ Dwayne Stein 07-05-25
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
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 Jerome Powell has been saying.All that and more on Mortgage Gumbo w/ Dwayne Stein 6/14/25
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 Rates Going.Up, Down, Around? Find Out.All that and more on Mortgage Gumbo w/ Dwayne Stein 6-7-25
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 should he do? Also Dwayne continues to warn against Buy Now Pay Later, and how CostCo is getting in on the trend.All that and more on Mortgage Gumbo w/ Dwayne Stein 5/31/25
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 fighting on the front lines.All that and more on Mortgage Gumbo w/ Dwayne Stein 5/24/25
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 now the Fed is looking to collect. Finally, do you own Section 8 housing? Do you live in Section 8 housing? Well, huge budget cuts may have an effect on your lifestyle.All that and more on Mortgage Gumbo w/ Dwayne Stein 5/10/25
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, Dwayne has some good news. You might actually be Middle to Upper Class!All that and more on Mortgage Gumbo w/ Dwayne Stein 5/3/25
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 and more on Mortgage Gumbo w/ Dwayne Stein 4-26-25
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 Stein 4-19-25
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
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 4/5/25
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 latest PCE numbers. All that and more on Mortgage Gumbo w/ Dwayne Stein 3/29/25
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!All that and more on Mortgage Gumbo w/ Dwayne Stein 3/22/25
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 future. All that and more on Mortgage Gumbo w/ Dwayne Stein 3/8/25
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 thousands of dollars! Finally Dwayne talks about DSCR Loans...Debt Services Coverage Ratio, and how it can help you get into the real estate business.All that and more on Mortgage Gumbo w/ Dwayne Stein 3/15/25
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 to know that can help you save money. All that and more on Mortgage Gumbo w/ Dwayne Stein 02-22-25
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 Day...wink wink. All that and more on Mortgage Gumbo w/ Dwayne Stein 02-15-25
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 Stein 02-08-25
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
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 and more on Mortgage Gumbo w/ Dwayne Stein 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 Buying season. All that and more on Mortgage Gumbo w/ Dwayne Stein 02-01-25
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 Stein 01/18/25
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 people make to start the New Year.All that and more on Mortgage Gumbo w/ Dwayne Stein 01/04/25
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 about good ole Jerome "Clueless" Powell with his BS Report. Also is a Loan Calculator a real thing, or just for entertainment purposes only? All that and more on Mortgage Gumbo w/ Dwayne Stein 12/21/24
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 place? A will or trust? How hard is it to change a will. How do you make sure your final wishes are followed. Jeff and Dwayne break it all down. Contact Jeff and his Team at https://www.fdllawandtitle.com/ All that and more on Mortgage Gumbo w/ Dwayne Stein 12/14/24
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 your Mortgage Payments? Then you DO NOT want to MISS this show! All that and more on Mortgage Gumbo w/ Dwayne Stein 12/07/24
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 about the good ole days of FREE Checking, a free Microwave or Toaster with a new checking account. Then he goes into great detail about the Federal Fund Rate. Also, Dwayne has strong words for the Fed about the new BS Jobs Report. All that and more on Mortgage Gumbo w/ Dwayne Stein 11/23/24
Ho Ho HoThis 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 obsession with Buy Now / Pay Later?All that and more on Mortgage Gumbo w/ Dwayne Stein 11/16/24
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
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 and tips for home owners...such as taking a video of your belongings before the strom. Finally the discuss Flood Insurance in regards to Hurricane Helene and it's devastating effects in Georgia, Tennessee, and the Carolinas.If you want to get in touch with Collette Biedenkopf, the Queen of Insurance visit her at https://agentpages.twfg.com/biedins/ All that and more on Mortgage Gumbo w/ Dwayne Stein 9/28/24dway
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. But what does it mean? Also Dwayne explains what an escrow is. Or what is the DSCR Program? All that and more on Mortgage Gumbo w/ Dwayne Stein 10/05/24
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 it all. Later Dwayne talks about Owning versus Renting, and why home ownership is infinitely more valuable. All that and more on Mortgage Gumbo w/ Dwayne Stein 10/12/24
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. Later Dwayne explains what the saying "Marry the House, Date the Rate" actually means. All that and more on Mortgage Gumbo w/ Dwayne Stein 10/26/24
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 and actual cash value, and so much more! Get in touch with Collette's office by calling 985-951-2070 All that and more on Mortgage Gumbo w/ Dwayne Stein 2/24/24Personal NMLS175109 / Branch NMLS851695 / Company NMLS3029CrossCountry Mortgage, LLC is an FHA Approved Lending Institution and is not acting on behalf of or at the direction of HUD/FHA or the Federal government. All loans subject to underwriting approval.
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 data he found. What is the Average FICO score for your Generation? All that and more on Mortgage Gumbo w/ Dwayne Stein 2/17/24Personal NMLS175109 / Branch NMLS851695 / Company NMLS3029CrossCountry Mortgage, LLC is an FHA Approved Lending Institution and is not acting on behalf of or at the direction of HUD/FHA or the Federal government. All loans subject to underwriting approval.
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 fame. Also Dwayne breaks down the Debt numbers for Americans.....and it is UGLY with a capital U. All that and more on Mortgage Gumbo w/ Dwayne STein 2/10/24Personal NMLS175109 / Branch NMLS851695 / Company NMLS3029CrossCountry Mortgage, LLC is an FHA Approved Lending Institution and is not acting on behalf of or at the direction of HUD/FHA or the Federal government. All loans subject to underwriting approval.
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 from the Fed. The September Jobs report came out and Dwayne calls it Baloney...he would say worse, but the FCC is listening. Home Sales numbers came out and Dwayne discusses the Median Home Prices.All that and more on Mortgage Gumbo w/ Dwayne Stein 2/3/24Personal NMLS175109 / Branch NMLS851695 / Company NMLS3029CrossCountry Mortgage, LLC is an FHA Approved Lending Institution and is not acting on behalf of or at the direction of HUD/FHA or the Federal government. All loans subject to underwriting approval.
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 2023 on New Home Sales...that means new builds that have never been lived in. Later Dwayne talks about the rise of Debt in 2023...are you on that list? You feeling that pinch of Debt, well your Chef has some tips. Finally we have our weekly segment "Rate Watch" brought to you by Tito's Handmade Vodka...tasty.All that and more on Mortgage Gumbo w/ Dwayne Stein 1/27/24Personal NMLS175109 / Branch NMLS851695 / Company NMLS3029CrossCountry Mortgage, LLC is an FHA Approved Lending Institution and is not acting on behalf of or at the direction of HUD/FHA or the Federal government. All loans subject to underwriting approval.
So you Offer was accepted, and you're under Contract. So now what? Never Fear when your Chef Dwayne Stein is here! As always he's bringing you education and options, and today's show is no different. But we kick off today's show talking about Santa Claus....yes. Santa Claus. Later he covers the latest housing, data, the attacks on shipping in the Middle East, and how it affects the US economy. And of course his weekly segment Rate Watch brought to you by Tito's Handmade Vodka.All that and more on Mortgage Gumbo w/ Dwayne Stein 1/20/24Personal NMLS175109 / Branch NMLS851695 / Company NMLS3029CrossCountry Mortgage, LLC is an FHA Approved Lending Institution and is not acting on behalf of or at the direction of HUD/FHA or the Federal government. All loans subject to underwriting approval.
How are Mortgage rates determined? Your Chef Dwayne Stein is going to explain why it's so much more than just a phone call asking..."What are your rates?"The latest CPI Numbers (Consumer Price Index) came out, and Dwayne breaks them down for you.PRE-Qualified Versus PRE-Approved. What's the difference? Those two little words can mean the difference between home ownership and homelessness.All that and more on Mortgage Gumbo w/ Dwayne Stein 1/13/24Personal NMLS175109 / Branch NMLS851695 / Company NMLS3029CrossCountry Mortgage, LLC is an FHA Approved Lending Institution and is not acting on behalf of or at the direction of HUD/FHA or the Federal government. All loans subject to underwriting approval.
Happy New Year!!! It's time to get Financially Fit! Your Chef Dwayne Stein, as always, brings you education and options on getting yourself financially fit in 2024. Todays main topic is for Homebuyers. What are Contingencies and what do they mean for you when you are purchasing a home. Dwayne also talks about the new BS Report...uh...the B L S Report. Later Dwayne has his weekly segment "Rate Watch" brought to you by Tito's Handmade Vodka. All that and more on Mortgage Gumdo w/ Dwayne Stein 1/6/24Personal NMLS175109 / Branch NMLS851695 / Company NMLS3029CrossCountry Mortgage, LLC is an FHA Approved Lending Institution and is not acting on behalf of or at the direction of HUD/FHA or the Federal government. All loans subject to underwriting approval.
It's the Final show of 2023! Your Chef Dwayne Stein closes out the year with a look at the future. What will the 2024 Housing Market look like? What can you expect for the value of your home or future home? Later Dwayne explains what the Fed cuts mean for Home Buyers. What is the Lock In Effect, and what does CDC stand for? Finally we close out the year with our last Rate Watch segment brought to you by Tito's Handmade Vodka.All that and more on Mortgage Gumbo w/ Dwayne Stein 12/30/23Personal NMLS175109 / Branch NMLS851695 / Company NMLS3029CrossCountry Mortgage, LLC is an FHA Approved Lending Institution and is not acting on behalf of or at the direction of HUD/FHA or the Federal government. All loans subject to underwriting approval.
Merry Christmas from your Chef Dwayne Stein! On today's menu...Why 2024 is Your Year for Home Ownership! Santa Stein dips into his goodie bag for Stocking Stuffers of info for home buyers. Later Dwayne talks about the New Home Sales numbers, and separate's the Headlines from Facts! The new info on Student Loan Debts will boggle your brain. Finally Dwayne does his weekly segment "Rate Watch" brought to you by Tito's Handmade Vodka.All that and more on Mortgage Gumbo w/ Dwayne Stein 12/23/23 Personal NMLS175109 / Branch NMLS851695 / Company NMLS3029CrossCountry Mortgage, LLC is an FHA Approved Lending Institution and is not acting on behalf of or at the direction of HUD/FHA or the Federal government. All loans subject to underwriting approval.
Merry Christmas from your Chef Dwayne Stein. There's still time to join the Gumbo Nation and get registered to win from a cornucopia of prizes! Sign up here---> https://mortgagegumbo.com/On the menu this week...What is a Gift of Equity? Who can give a gift? How do they work? What types are there? Dwayne will explain it all. Jerome Powell spoke this week, and for once it was some good news. Later Dwayne is talking about Predictions on Rates.Where are they going and where will they end up?Finally, Dwayne has his weekly segment "Rate Watch" brought to you by Tito's Handmade Vodka.All that and more on Mortgage Gumbo w/ Dwayne Stein 12/16/23Personal NMLS175109 / Branch NMLS851695 / Company NMLS3029CrossCountry Mortgage, LLC is an FHA Approved Lending Institution and is not acting on behalf of or at the direction of HUD/FHA or the Federal government. All loans subject to underwriting approval.
The Trend is our Friend! Rates are falling, but what does it mean? It means your buying power just increased. Your Chef Dwayne Stein is going to explain how that works, and why it works. Also, for all you homeowners out there. You may just be sitting on a Gold Mine! Later Dwayne goes over the Job Report data aka the BLS Report, or as Dwayne affectionately refers to as the BS Report. Finally we bring you Rate Watch brought to you by Tito's Homemade Vodka.All that and more on Mortgage Gumbo w/ Dwayne Stein 12/09/23Personal NMLS175109 / Branch NMLS851695 / Company NMLS3029CrossCountry Mortgage, LLC is an FHA Approved Lending Institution and is not acting on behalf of or at the direction of HUD/FHA or the Federal government. All loans subject to underwriting approval.
Rates are Falling, and your Chef Dwayne Stein continues to provide education and options backed with actual data. First off, new existing home sales numbers are out and they're at a 15 year low. New Loan Limits are working in your favor. Later Dwayne explains how to compete in todays market. How can you get the most for your home in this market. Finally Dwayne has his weekly segment "Rate Watch" brought to you by Tito'sAll that and more on Mortgage Gumbo w/ Dwayne Stein 12/02/23Personal NMLS175109 / Branch NMLS851695 / Company NMLS3029CrossCountry Mortgage, LLC is an FHA Approved Lending Institution and is not acting on behalf of or at the direction of HUD/FHA or the Federal government. All loans subject to underwriting approval.
What is a Point? Specifically a Mortgage Point. What do they do? When do you use them? Well your Chef Dwayne Stein is going to explain it all. The Pro's and Con's and everything in between. Dwayne starts the show talking about the lawsuits that are coming to a town near you. With Independent Mortgage Bankers losing almost one thousand dollars per loan, it could be a pretty big deal. Then Dwayne talks about the employment numbers, jobless claims, and builder confidence. All that and more on Mortgage Gumbo w/ Dwayne Stein 11/18/23Personal NMLS175109 / Branch NMLS851695 / Company NMLS3029CrossCountry Mortgage, LLC is an FHA Approved Lending Institution and is not acting on behalf of or at the direction of HUD/FHA or the Federal government. All loans subject to underwriting approval.
Veterans We Salute You! Happy Veterans Day to all our Vets from the Gumbo Nation and your Chef Dwayne Stein. Todays show is for our Veterans. Dwayne is talking everything VA Loan related. He's gonna break down the VA Loans like no one has done before! Who's eligible? What is it? What type of properties? What are the benefits? How does entitlement work? Of course Dwayne presents his weekly segment called "Rate Watch" brought to you by Tito's.All that and more on Mortgage Gumbo w/ Dwayne Stein 11/11/23Personal NMLS175109 / Branch NMLS851695 / Company NMLS3029CrossCountry Mortgage, LLC is an FHA Approved Lending Institution and is not acting on behalf of or at the direction of HUD/FHA or the Federal government. All loans subject to underwriting approval.
The Fed pauses...again. But what does that mean? Your Chef Dwayne Stein breaks it down for you. The new Jobs Report is in. But why must they Lie?!?! Dwayne does a Deep Dive into the report data, and explains why they feel the need to lie. Later Dwayne presents a few new programs for potential home buyers, and his weekly segment "Rate Watch" brought to you by Tito's. All that and more on Mortgage Gumbo w/ Dwayne Stein 11/04/23Personal NMLS175109 / Branch NMLS851695 / Company NMLS3029CrossCountry Mortgage, LLC is an FHA Approved Lending Institution and is not acting on behalf of or at the direction of HUD/FHA or the Federal government. All loans subject to underwriting approval.
Happy Halloween from the Hulkster! It's not just Halloween Season, but Halloween Buying Season! Why is now the best time to buy a new home or duplex? Most house sales happen in March and April, but the Hulkamaniac is going to tell you why you should look during the winter. Later Dwayne explains where all the money has gone, and why 84 Billion doesn't just get lost in the couch cushions. Later Dwayne goes over the latest housing data and as always we do the Tito's Vodka "Rate Watch.All that and more on Mortgage Gumbo w/ Dwayne Stein 10/28/23Personal NMLS175109 / Branch NMLS851695 / Company NMLS3029CrossCountry Mortgage, LLC is an FHA Approved Lending Institution and is not acting on behalf of or at the direction of HUD/FHA or the Federal government. All loans subject to underwriting approval.
This week your Chef Dwayne Stein wants you to Follow the Money! Projections indicate 2 million dollars less in sales. Which means Banks are doing less loans. So the question is "How can we rejuvenate the Market?" Here's where the procrastinators win. Banks have reduced the down payment from 20 percent to a whopping low of 5 percent. Now you can be a Real Estate Mogul too!Later Dwayne takes your questions, and does the weekly Tito's Vodka "Rate Watch"All that and more on Mortgage Gumbo w/ Dwayne Stein 10/21/23Personal NMLS175109 / Branch NMLS851695 / Company NMLS3029CrossCountry Mortgage, LLC is an FHA Approved Lending Institution and is not acting on behalf of or at the direction of HUD/FHA or the Federal government. All loans subject to underwriting approval.
On today's menu, your Chef Dwayne Stein is talking about the war in Israel and it's impact on the US Housing Market. Dwayne has been saying for years that World strife will always affect the Market. In this particular case we are seeing an immediate effect on Gas Prices. But we are also seeing rates drop.Later Dwayne responds to your questions via email and social media. Finally, Procrastinators may actually be winning. If you were waiting on purchasing a home, now you may want to consider buying a multi unit home. Become that Real Estate Mogul you've always dreamed of becoming.All that and more on Mortgage Gumbo w/ Dwayne Stein 10/14/23Personal NMLS175109 / Branch NMLS851695 / Company NMLS3029CrossCountry Mortgage, LLC is an FHA Approved Lending Institution and is not acting on behalf of or at the direction of HUD/FHA or the Federal government. All loans subject to underwriting approval.
Today we're doing a financial mirror check. What's going on with Debt and where are we at with it. Then we discuss what is your Household rate. Not your mortgage rate, but your household rate. The latest jobs report is in as well, and what that means for your Savings. Finally we take your questions via social media, and our weekly segment brought to you by Tito's Rate Watch.All that and more on Mortgage Gumbo w/ Dwayne Stein 10/7/23Personal NMLS175109 / Branch NMLS851695 / Company NMLS3029CrossCountry Mortgage, LLC is an FHA Approved Lending Institution and is not acting on behalf of or at the direction of HUD/FHA or the Federal government. All loans subject to underwriting approval.
OMG! What's up with Home Values? We have the Highest rates in a decade...how does that affect my homes value? Never fear, your Chef Dwayne Stein is here! Also on today's menu Dwayne shares the PCE numbers and gets cohost James Parkers rosy optimistic opinion. Then we find out what the impact of Student loans will be.Finally Dwayne has a very special guest on to talk about the 4th Annual Bluesberry Fest this October 7th. Daniel Munn, Realtor, Board Member and next level Promoter stops by to discuss this years Bluesberry Fest. Get more info and tickets at https://www.thebluesberryfest.com/All that and more on Mortgage Gumbo w/ Dwayne Stein 9/30/23Personal NMLS175109 / Branch NMLS851695 / Company NMLS3029CrossCountry Mortgage, LLC is an FHA Approved Lending Institution and is not acting on behalf of or at the direction of HUD/FHA or the Federal government. All loans subject to underwriting approval.
This week your Chef Dwayne Stein is talking about Reverse Mortgages. What are they? What are they good for? Will the bank swoop in and take your house? Dwayne and cohost James Parker explain it all. They also dissect what the Fed had to say this week and give you the latest housing information. Specifically, existing home sale numbers versus new home sale numbers.All that and more on Mortgage Gumbo w/ Dwayne Stein 9/23/23Personal NMLS175109 / Branch NMLS851695 / Company NMLS3029CrossCountry Mortgage, LLC is an FHA Approved Lending Institution and is not acting on behalf of or at the direction of HUD/FHA or the Federal government. All loans subject to underwriting approval.
On this Day in History, Nine Years ago, The Gumbo Nation was Born! Mortgage Gumbo with Dwayne Stein celebrates nine years on the air, and it's all for YOU! The Gumbo Nation! Bringing you education and options for 1 year shy of a decade! Dwayne and cohost James Parker reminisce about the old days and start of the show, from picking Theme Music and the Origin story of the infamous DAT CAM!Later the guys are joined by a client and friend of the show Hiram, who shares his convoluted home buying experince, and how Dwayne swooped in and saved the day! The guys also squeeze in a fan fovorite...the Ten Commandments when Buying a Home! All that and more on Mortgage Gumbo w/ Dwayne Stein 9/23/23Personal NMLS175109 / Branch NMLS851695 / Company NMLS3029CrossCountry Mortgage, LLC is an FHA Approved Lending Institution and is not acting on behalf of or at the direction of HUD/FHA or the Federal government. All loans subject to underwriting approval.
On today's menu your Chef Dwayne Stein is serving up some Down Payment information. How much do you need to put down? What is a Down Payment and what does it do? What are the Types of down payments. What programs assist with down payments and where do they come from? Also cohost James Parker and Dwayne talk about the start of Football season, Fantasy football, Lakeshore Titan football, and next week's 9 year anniversary!All that and more on Mortgage Gumbo w/ Dwayne Stein 9/9/23Personal NMLS175109 / Branch NMLS851695 / Company NMLS3029CrossCountry Mortgage, LLC is an FHA Approved Lending Institution and is not acting on behalf of or at the direction of HUD/FHA or the Federal government. All loans subject to underwriting approval.
This week your Chef Dwayne Stein puts the real world on hold. Forget about inflation, rising rates and schmuckatelli's. Let's Talk Fantasy Football!!Once again the Doctor of Fantasy Football, Jason Fontenelle joins the show to share his best Picks, Busts, and Tips for a successful Fantasy Season. Who are his Top Ten Picks? Who are his best RB's and WR's? Finally, he offers his tips for a successful draft which can make or break your season.All that and more on Mortgage Gumbo w/ Dwayne Stein 9/2/23Personal NMLS175109 / Branch NMLS851695 / Company NMLS3029CrossCountry Mortgage, LLC is an FHA Approved Lending Institution and is not acting on behalf of or at the direction of HUD/FHA or the Federal government. All loans subject to underwriting approval
The Queen of Insurance Collette Biedenkopf is LIVE In Studio. From Hurricanes to Wildfires, to Insurance Renewal Costs Skyrocketing. Are they raising this rates for profit alone? Your Chef Dwayne Stein and the Queen explain the "why" of Insurance rates and renewals rate hikes. Also, is the Insurance of Last Resort worse than the big name companies. The answers might surprise you. To get in touch with the Queen go to https://themonarchins.com/ All that and more on Mortgage Gumbo w/ Dwayne Stein 8/26/23
Personal NMLS175109 / Branch NMLS851695 / Company NMLS3029
CrossCountry Mortgage, LLC is an FHA Approved Lending Institution and is not acting on behalf of or at the direction of HUD/FHA or the Federal government. All loans subject to underwriting approval.
Your Chef Dwayne Stein has a very special guest in studio today. Jeff LeSaicherre of Fleur de Lis Law & Title. He and Dwayne discuss all the great ways Fleur de Lis Law & Title can help to make your home buying process as easy as possible. Dwayne asks him about all the other services they provide. Such as Estate Planning, what is or is not acceptable as a last will and testament. He even talks about their staffs bilingual ability to help Spanish speaking clients. All that and more on Mortgage Gumbo w/ Dwayne Stein 8/19/23
Personal NMLS175109 / Branch NMLS851695 / Company NMLS3029
CrossCountry Mortgage, LLC is an FHA Approved Lending Institution and is not acting on behalf of or at the direction of HUD/FHA or the Federal government. All loans subject to underwriting approval.
What do first time home buyers need to know? Well your Chef Dwayne Stein has the answers. In a special treat cohost James Parker has traveled all the way from Bug Tussle to be live in studio today. Before the guys tell you what 1st time home buyers need to know they dig into the latest data on National Credit Card debt, and what it means for you. One trillion dollars in debt may sound like a lot....but how about 11 Trillion? All that and more on Mortgage Gumbo w/ Dwayne Stein 8/12/23
Personal NMLS175109 / Branch NMLS851695 / Company NMLS3029
CrossCountry Mortgage, LLC is an FHA Approved Lending Institution and is not acting on behalf of or at the direction of HUD/FHA or the Federal government. All loans subject to underwriting approval.
What's a Budget? What goes into it? What counts towards your budget? What doesn't apply? Cell phone bills? Insurance? Utilities? Your Chef Dwayne Stein breaks it all down. He and cohost James Parker breakdown the loan categories that best fit your budget, and what it takes to qualify. The guys share a story about a bad decision that cost someone a lot of money. Tito's Rate Watch and the Jobs Report numbers. All that and more on Mortgage Gumbo w/ Dwayne Stein.
Personal NMLS175109 / Branch NMLS851695 / Company NMLS3029
CrossCountry Mortgage, LLC is an FHA Approved Lending Institution and is not acting on behalf of or at the direction of HUD/FHA or the Federal government. All loans subject to underwriting approval.
Dwayne starts off todays show with a huge "Thank You" to the Gumbo Nation. The Fed Raises Rates. What does that mean for you? Your Chef Dwayne Stein breaks down the latest data provided from the Fed Chairman. Later Dwayne and cohost James Parker dig into the latest inflation numbers, and the GDP (Gross Domestic Product) numbers are in as well. Finally the guys discuss Foreclosures, and end the show with your questions from the mailbag. All that and more on Mortgage Gumbo w/ Dwayne Stein 7/29/23
Personal NMLS175109 / Branch NMLS851695 / Company NMLS3029
CrossCountry Mortgage, LLC is an FHA Approved Lending Institution and is not acting on behalf of or at the direction of HUD/FHA or the Federal government. All loans subject to underwriting approval.
This week your Chef Dwayne Stein shares Home Price Predictions. Where are we going? What do the experts think? More importantly, what does Dwayne think. Also, how is Supply and Demand affecting the market. In continuing education Dwayne shares some new terminology that you should know. Finally Dwayne and Cohost James Parker discuss the real purpose of home ownership. We close out the show with our weekly segment "Rate Watch" sponsored by Tito's Handmade Vodka. All that and more on Mortgage Gumbo w/ Dwayne Stein 7/22/23
Personal NMLS175109 / Branch NMLS851695 / Company NMLS3029
CrossCountry Mortgage, LLC is an FHA Approved Lending Institution and is not acting on behalf of or at the direction of HUD/FHA or the Federal government. All loans subject to underwriting approval.
This week your Chef Dwayne Stein is talking about Assumable Mortgages. What are they? Well Dwayne is going to explain it better than the schmuckatelli's on Tik Tok. Since Social Media is driving it, there are a lot of things that need to be explained. There are a lot of Pros and Cons to Assumable Mortgages, so he breaks down the types, and which types are even eligible for them. There are 2 types...Simple and Novation. Later Dwayne and cohost James Parker discuss where the housing inventory is at, and where are the homes prices hovering. All that and more on Mortgage Gumbo with Dwayne Stein
Personal NMLS175109 / Branch NMLS851695 / Company NMLS3029
CrossCountry Mortgage, LLC is an FHA Approved Lending Institution and is not acting on behalf of or at the direction of HUD/FHA or the Federal government. All loans subject to underwriting approval.
Today your Chef Dwayne Stein answers a question that many potential home owners haven't considered asking. What is the cost of Waiting to Buy? If Rates stay high, should I still buy? As you already know, Dwayne's opinions are Data Driven, so he and cohost James Parker look at the mid-year home sales projection numbers and give you an informed opinion. We also start the show with a very personal story of a single mother who was duped by a schmuckatelli and the need to trust but verify. All that and more on Mortgage Gumbo w/ Dwayne Stein 7/8/23
Personal NMLS175109 / Branch NMLS851695 / Company NMLS3029
CrossCountry Mortgage, LLC is an FHA Approved Lending Institution and is not acting on behalf of or at the direction of HUD/FHA or the Federal government. All loans subject to underwriting approval.
Happy 4th of July! There's nothing more American than Home Ownership. Today your Chef Dwayne Stein gives you all the phases you go through when purchasing a new home. Cohost James Parker asks what the difference is between is between being Pre-Qualified and Pre-Approved. Later the guys go over the latest housing data, and their weekly segment Rate Watch. All that and more on Mortgage Gumbo w/ Dwayne Stein 7/1/23
Personal NMLS175109 / Branch NMLS851695 / Company NMLS3029
CrossCountry Mortgage, LLC is an FHA Approved Lending Institution and is not acting on behalf of or at the direction of HUD/FHA or the Federal government. All loans subject to underwriting approval.
Your Chef Dwayne Stein is here to talk about Home Buying Myths....and then Debunk the heck out of them. Is it cheaper to Rent than it is to Own? Do I need to put a 20% down payment on a house? Well, Dwayne has the answers. Later he and cohost James Parker discuss the Debt Ceiling Bill and the portion that will resume collections of Student Loan Debts....and why it's a Good Thing! Later they discuss the latest Existing Home Sales data and their weekly segment...Rate Watch. All that and more on Mortgage Gumbo w/ Dwayne Stein 6/24/23
Personal NMLS175109 / Branch NMLS851695 / Company NMLS3029
CrossCountry Mortgage, LLC is an FHA Approved Lending Institution and is not acting on behalf of or at the direction of HUD/FHA or the Federal government. All loans subject to underwriting approval.
This week your Chef Dwayne Stein wants you to ask yourself some questions. Are you ready to buy a home? Are there signs that you are ready, but you just don't see them? These aren't home buying tips, but questions you should ask yourself if it's your time to shine and buy a home. The answer may surprise you! Later Dwayne and cohoct James Parker dig into the latest data from the Fed. What do these new inflation numbers mean? Finally, the Mortgage Gumbo team wants to wish everyone out there a very Happy Father's Day! All that and more on Mortgage Gumbo w/ Dwayne Stein 6/17/23
Personal NMLS175109 / Branch NMLS851695 / Company NMLS3029
CrossCountry Mortgage, LLC is an FHA Approved Lending Institution and is not acting on behalf of or at the direction of HUD/FHA or the Federal government. All loans subject to underwriting approval.
On today's menu of Mortgage Gumbo, your Chef Dwayne Stein is talking about PMI or Private Mortgage Insurance. What is PMI? When do you need it? What do you need it for? Later Dwayne and cohost James Parker discuss Blended Rates. What are they? Do you need it? Finally the guys share some stories about Free Second Looks. If you think you're trapped in something, send it over to Dwayne for a FREE 2nd Look! It's free and it can save your bacon! All that and more on Mortgage Gumbo w/ Dwayne Stein 6/10/23
Personal NMLS175109 / Branch NMLS851695 / Company NMLS3029
CrossCountry Mortgage, LLC is an FHA Approved Lending Institution and is not acting on behalf of or at the direction of HUD/FHA or the Federal government. All loans subject to underwriting approval.
Are you considering a refi right now? Should you refinance in this environment? Well, your Chef Dwayne Stein has got you covered! Dwayne shares some wins this week from clients who came in looking to refi.The Debt Ceiling vote has passed and now our State Parks are safe. Cohost James Parker adds his thoughts on the bill as well. Later the guys explain the difference between an FHA Loan and a Conventional Loan.All that and more on Mortgage Gumbo w/ Dwayne Stein 6/3/23Personal NMLS175109 / Branch NMLS851695 / Company NMLS3029CrossCountry Mortgage, LLC is an FHA Approved Lending Institution and is not acting on behalf of or at the direction of HUD/FHA or the Federal government. All loans subject to underwriting approval.
This week your Chef Dwayne Stein has a jam packed show full of education and options! Members of the Total Home Authority are live in studio today. Owner of Fleur De Lis Law & Title Jeff LeSaicherre and CEO Dawn Cazedessus are answering your questions that you sent via mortgagegumbo.com and all of our social media platforms. Specifically they will answer what is the difference between Owners Title and Lenders Title. As well as deep dives into Wills, Succession Plans, and so much more. Chech out our guests web page at https://www.fdllawandtitle.com/All that and more on Mortgage Gumbo w/ Dwayne Stein 5/20/23Personal NMLS175109 / Branch NMLS851695 / Company NMLS3029CrossCountry Mortgage, LLC is an FHA Approved Lending Institution and is not acting on behalf of or at the direction of HUD/FHA or the Federal government. All loans subject to underwriting approval.
Live From Downtown Sulphur, Louisiana it's Dwaaaaayne Stein. Your Chef Dwayne Stein is trying to cook up a State Baseball Championship for the Lakeshore Titans, so please excuse any "echo-y" audio in todays show. Today Dwayne breaksdown the Latest Housing Numbers. What do New home sales look like? What about Home Values? Are they Up or Down? Later Dwayne and cohost James Parker remind you to Vet ! Vet! Vet! Trust, but Verify when it comes to Purchase Price, Refinancing, etc.All that and more on Mortgage Gumbo w/ Dwayne Stein 5/13/23Personal NMLS175109 / Branch NMLS851695 / Company NMLS3029CrossCountry Mortgage, LLC is an FHA Approved Lending Institution and is not acting on behalf of or at the direction of HUD/FHA or the Federal government. All loans subject to underwriting approval.
The Fed is raising the rates again. It affects you personally, and your Chef Dwayne Stein is going to tell you how. We all know that the Fed is "famous" for being reactionary. But if they would just stay the course they could possibly be useful. But they are the type of people who go to a gym for one day and then are shocked that they don't wake up with six-pack abs the next morning. Cohost James Parker asks Dwayne about the saga of the G-Units Baseball game, and of course we do Rate Watch. All that and more on Mortgage Gumbo w/ Dwayne Stein 5/6/23Personal NMLS175109 / Branch NMLS851695 / Company NMLS3029CrossCountry Mortgage, LLC is an FHA Approved Lending Institution and is not acting on behalf of or at the direction of HUD/FHA or the Federal government. All loans subject to underwriting approval.
Are you Fed up with the FED? All signs point to yes! They also point to another Rate Hike this week. The New Home sales data is out. What does it mean? Well, your Chef Dwayne Stein and cohost James Parker break it all down. Later we do Rate Watch sponsored by Tito's. We also have a couple of callers with some in depth questions on the benefits of paying off a home versus keeping cash on hand.All that and more on Mortgage Gumbo w/ Dwayne Stein 4/29/23Personal NMLS175109 / Branch NMLS851695 / Company NMLS3029CrossCountry Mortgage, LLC is an FHA Approved Lending Institution and is not acting on behalf of or at the direction of HUD/FHA or the Federal government. All loans subject to underwriting approval.
This week your Chef Dwayne Stein breaks down the new Mortgage Fee. What is it you ask? It's not an Executive order but a rule change by the President of the United States. Can your High Credit Score now work against you? If you already have a Mortgage, will your rate or fee increase. Dwayne Stein has the answers. Cohost James Parker also hits Dwayne with some Scenarios that affect the average homeowner. Rate Watch sponsored by Tito's and more on Mortgage Gumbo w/ Dwayne Stein 4/22/23Personal NMLS175109 / Branch NMLS851695 / Company NMLS3029CrossCountry Mortgage, LLC is an FHA Approved Lending Institution and is not acting on behalf of or at the direction of HUD/FHA or the Federal government. All loans subject to underwriting approval.
Spring is sprung, and the Spring Buying Season is now upon us!. Your Chef Dwayne Stein talks about what's going on in the Market. The CPI Numbers, and the Cost of Waiting. Dwayne also has story time and shares some stories about clients, and a home sale in his own backyard. Later Dwayne quizzes cohost James Parker.All that and more on Mortgage Gumbo w/ Dwayne Stein 4/15/23Personal NMLS175109 / Branch NMLS851695 / Company NMLS3029CrossCountry Mortgage, LLC is an FHA Approved Lending Institution and is not acting on behalf of or at the direction of HUD/FHA or the Federal government. All loans subject to underwriting approval.
Your Chef Dwayne Stein wants to wish you all a very Happy Easter! Here comes Peter Cottontail and he's got news on Rates....they're Receding! Actually Dwayne delivers the message. Rates are Receding, and now 5's are an option! Will it continue? Maybe it's time to come in and have a conversation to refi your 7 to a 5. Cohost James Parker dips into the Social Media mailbag, and then the guys do their weekly rate Watch, and give some Job Report numbers. All that and more on Mortgage Gumbo w/ Dwayne Stein 4/8/23Personal NMLS175109 / Branch NMLS851695 / Company NMLS3029CrossCountry Mortgage, LLC is an FHA Approved Lending Institution and is not acting on behalf of or at the direction of HUD/FHA or the Federal government. All loans subject to underwriting approval.
Rates are falling and the Fed Rate Hikes have stopped! Dwayne is back to quoting rates back in the 5's again! The Fed spoke again this week and Dwayne and James explain what he was really saying, Later the guys are talking about Debt. How much do you have? How much does the average American have?All that and more on Mortgage Gumbo w/ Dwayne Stein 3/25/23Personal NMLS175109 / Branch NMLS851695 / Company NMLS3029CrossCountry Mortgage, LLC is an FHA Approved Lending Institution and is not acting on behalf of or at the direction of HUD/FHA or the Federal government. All loans subject to underwriting approval.
Today your Chef Dwayne Stein wants to play a game called "I'm Gonna". I'm Gonna wait till rates drop. I'm Gonna wait till home prices drop. Guess who always loses that game? Later Dwayne and cohost James Parker revisit the "Four D's" as well as Rate Watch, and discuss CPI. All that and more on Mortgage Gumbo w/ Dwayne Stein 3/11/23Personal NMLS175109 / Branch NMLS851695 / Company NMLS3029CrossCountry Mortgage, LLC is an FHA Approved Lending Institution and is not acting on behalf of or at the direction of HUD/FHA or the Federal government. All loans subject to underwriting approval.
Your Chef Dwayne Stein has Fleur De Lis Law & Title Live In Studio & Answering Your Questions! Owner of Fleur De Lis Law & Title Jeff LeSaicherre, and CEO Dawn Cazedessus join Dwayne to explain their experiences and list of services as well.They answer everything from preparation for Home Purchasing to Accurate Titling. Later they discuss how they can help with your final wishes in the form of a Will, and explain why it is cheaper than you think. Get more info or contact them at https://fdllawandtitle.com/All that and more on Mortgage Gumbo w/ Dwayne Stein 2/25/23Personal NMLS175109 / Branch NMLS851695 / Company NMLS3029CrossCountry Mortgage, LLC is an FHA Approved Lending Institution and is not acting on behalf of or at the direction of HUD/FHA or the Federal government. All loans subject to underwriting approval.
Credit Awareness Month rolls on! This week your Chef Dwayne Stein shares several Credit Tips and Myths! For Instance... Should I cancel a Credit Card to help fix my credit? Can I call and have my Credit Limit Extended? Does your Credit score account for Demographics? Cohost James Parker digs into the mail bag and gets Dwayne's thoughts as well.All that and more on Mortgager Gumbo w/ Dwayne Stein 2/18/23Personal NMLS175109 / Branch NMLS851695 / Company NMLS3029CrossCountry Mortgage, LLC is an FHA Approved Lending Institution and is not acting on behalf of or at the direction of HUD/FHA or the Federal government. All loans subject to underwriting approval.
ROYAL FANFARE The Queen of Insurance Collette Biedenkopf joins your Chef Dwayne Stein Live In Studio! What's up with Louisiana Home Insurance...let's ask the Queen. Collette talks about the prices, the claims she has received, and the importance of keeping your documents. Especially keeping your documents when it comes to roof replacement. Find out more about the Queen of Insurance at https://themonarchins.comAll that and more on Mortgage Gumbo w/ Dwayne Stein 2/11/23 Personal NMLS175109 / Branch NMLS851695 / Company NMLS3029CrossCountry Mortgage, LLC is an FHA Approved Lending Institution and is not acting on behalf of or at the direction of HUD/FHA or the Federal government. All loans subject to underwriting approval.
Happy Credit Awareness Month!!! Your Chef Dwayne Stein takes the entire month of February and dedicates it to you the listener and helping you understand, repair, or create credit. This week make sure you have a pencil and paper and we're gonna make a PIE CHART! Later Dwayne and cohost James Parker play some audio of the FED Jerome Powell as he spoke to the nation about the latest economic news and rate hikes.All that and more on Mortgage Gumbo w/ Dwayne Stein 2/4/23Personal NMLS175109 / Branch NMLS851695 / Company NMLS3029CrossCountry Mortgage, LLC is an FHA Approved Lending Institution and is not acting on behalf of or at the direction of HUD/FHA or the Federal government. All loans subject to underwriting approval.
What are Blended Rates? Your Chef Dwayne Stein explains it all. Later Cohost James Parker and Dwayne breakdown the latest data on Foreclosures, Home Sales, Inventory, and Interest Rates. Next week begins Credit Awareness Month....so buckle up!All that and more on Mortgage Gumbo w/ Dwayne Stein 1/28/23Personal NMLS175109 / Branch NMLS851695 / Company NMLS3029CrossCountry Mortgage, LLC is an FHA Approved Lending Institution and is not acting on behalf of or at the direction of HUD/FHA or the Federal government. All loans subject to underwriting approval.
Did You Know You Can Get the Seller to Pay Your Closing Costs? Every Week your Chef Dwayne Stein brings you education and options. This week he wants you to save some money! How you might ask? By making the Seller Pay your Closing Costs. Dwayne breaks down the types of Load Programs, and the amount of money you can save with each type. Later Dwayne and cohost James Parker discuss the existing home sales numbers and where we are at in regards to inventory. All that and more on Mortgage Gumbo w/ Dwayne Stein 1/21/23Personal NMLS175109 / Branch NMLS851695 / Company NMLS3029CrossCountry Mortgage, LLC is an FHA Approved Lending Institution and is not acting on behalf of or at the direction of HUD/FHA or the Federal government. All loans subject to underwriting approval.
You can't bring Dwayne down! He's walking on sunshine with his boogie shoes on! Your Chef Dwayne Stein is bringing you education and options, as always, but this week he shares his 2023 Housing Predictions. If you haven't figured it out yet....they're Looking Great! Dwayne breaks out his Magic 8-Ball and shares his predictions on the housing market. Specifically, how much inventory there will be available and where interest rates will be by the end of the year. Co-Host James Parker is live in the studio today as well and shares his thoughts on Wells Fargo's exit from the mortgage loan industry. All that and more on Mortgage Gumbo w/ Dwayne Stein 1/14/23Personal NMLS175109 / Branch NMLS851695 / Company NMLS3029CrossCountry Mortgage, LLC is an FHA Approved Lending Institution and is not acting on behalf of or at the direction of HUD/FHA or the Federal government. All loans subject to underwriting approval.
Happy New Year! Your Chef Dwayne Stein returns for 2023 and is here with Education and Options, and most importantly.....The TEN COMMANDMENTS when Buying a Mortgage. Do's and Don'ts when buying a new home. All that and more on Mortgage Gumbo w/ Dwayne Stein 1/7/23Personal NMLS175109 / Branch NMLS851695 / Company NMLS3029CrossCountry Mortgage, LLC is an FHA Approved Lending Institution and is not acting on behalf of or at the direction of HUD/FHA or the Federal government. All loans subject to underwriting approval
The Fed has Spoken! Your Chef Dwayne Stein translates the Fed into words that normal people can understand. Dwayne also shares some very personal stories about why he gets so fired up when he talks about the Mortgage and Real Estate industry. Later co host James Parker asks Dwayne for some tips for how to prepare for Next Year...it's almost here.All that and more on Mortgage Gumbo w/ Dwayne Stein 12/17/22Personal NMLS175109 / Branch NMLS851695 / Company NMLS3029CrossCountry Mortgage, LLC is an FHA Approved Lending Institution and is not acting on behalf of or at the direction of HUD/FHA or the Federal government. All loans subject to underwriting approval.
The Holidays are here, and your Chef Dwayne Stein knows that your money is burning a hole in your pocket. So he's here to help with some ideas and tips to help you out this Holiday Season. Later Cohost James Parker dips into the mailbag with your questions, but gets sidetracked with some interesting questions about Rental Property Ownership. Are the Reality TV shows like fix and flip accurate? Why is Section 8 such a good thing for Landlords?All that and more on Mortgage Gumbo w/ Dwayne Stein 12/10/22Personal NMLS175109 / Branch NMLS851695 / Company NMLS3029CrossCountry Mortgage, LLC is an FHA Approved Lending Institution and is not acting on behalf of or at the direction of HUD/FHA or the Federal government. All loans subject to underwriting approval.
You may have seen some Schmuckatelli's trying to tell you to buy now, since Conforming Loan Limits are up. But what the heck does that mean? Your Chef Dwayne Stein has you covered and explains what that actually means. Then cohost James Parker peppers Dwayne with some questions from our social media listeners. Later, Dwayne talks about what Jerome Powell had to say this week, and in Rate Watch....rates are going down. All that and more on Mortgage Gumbo w/ Dwayne Stein 12/03/22Personal NMLS175109 / Branch NMLS851695 / Company NMLS3029CrossCountry Mortgage, LLC is an FHA Approved Lending Institution and is not acting on behalf of or at the direction of HUD/FHA or the Federal government. All loans subject to underwriting approval.
Your Chef Dwayne Stein has emerged from his Thanksgiving cocoon to give you education and options for the Holiday season. As always he's joined by cohost James Parker. Dwayne explains why you should use a Local lender over one of those Online lenders. Later Dwayne talks about the headlines claiming a Crash, but an uptick in home worth...can you have both? Simple answer....NO. All that and more on Mortgage Gumbo w/ Dwayne Stein 11/26/22
Personal NMLS175109 / Branch NMLS851695 / Company NMLS3029
CrossCountry Mortgage, LLC is an FHA Approved Lending Institution and is not acting on behalf of or at the direction of HUD/FHA or the Federal government. All loans subject to underwriting approval
Well, What Rate Do You Want? Mortgage Gumbo With Dwayne Stein 11/19/22 by Mortgage Gumbo
The new inflation numbers are out, and your Chef Dwayne Stein is fired up! Dwayne has been saying that the October numbers would tell us everything we needed to know. Later Dwayne talks about the Free Second Looks offered by Snap Send and Save. Finally Dwayne and cohost James Parker discuss the latest dip in rates and they answer the question...Should you wait? Or should you buy? All that and more on Mortgage Gumbo w/ Dwayne Stein 11/12/22
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CrossCountry Mortgage, LLC is an FHA Approved Lending Institution and is not acting on behalf of or at the direction of HUD/FHA or the Federal government. All loans subject to underwriting approval.
The latest Housing numbers are out. How does this affect interest rates? Then co-host James Parker asks Dwayne what this means for the Market, and where is the market heading? And finally....Happy Halloween! All that and more on Mortgage Gumbo w/ Dwayne Stein 10/29/22
Where is the Economy headed? Your Chef Dwayne Stein continues to give you education and options with his insight on Interest Rates and Credit Card Debt. Guest Co-Host James Parker also shares his home buying experience and working with Dwayne's staff. All that and more on Mortgage Gumbo w/ Dwayne Stein 10/22/22
Personal NMLS175109 / Branch NMLS851695 / Company NMLS3029
CrossCountry Mortgage, LLC is an FHA Approved Lending Institution and is not acting on behalf of or at the direction of HUD/FHA or the Federal government. All loans subject to underwriting approval.
Your Chef Dwayne Stein is batting a thousand when it comes to predicting the Fed. Inflation numbers are up and it's looking pretty ugly. But don't fret! Dwayne can still get you into a home, and he can even get you a 5% interest rate. Co-host James Parker is onboard with info on where to get Dwayne's weekday videos and podcasts. All that and more on Mortgage Gumbo w/ Dwayne Stein 10/15/22
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CrossCountry Mortgage, LLC is an FHA Approved Lending Institution and is not acting on behalf of or at the direction of HUD/FHA or the Federal government. All loans subject to underwriting approval
This week, your chef Dwayne Stein along with co-host James Parker talk about the importance of trust. Also, a quickfire question session on what might or might not affect your credit score. Plus, our weekly Ratewatch segment and a look at this week's jobs report.
Visit snapsendandsave.com and Dwayne can check out your situation and see if there might be a better option for you!
And don't forget GumboNation - keep stirrrrrrrrin' the pot!
Victoria Dowling, Senior VP of Renovation Loans from the "Mothership" Cross Country Mortgage joins the show to give expert advice on renovation loans. Your Chef Dwayne Stein continues to bring you education and options, and this week he addresses whether a renovation loan is right for you. Is now a good time to add on a guest house, or maybe an inground pool? Maybe you want to be like one of those TV Stars who buys and renovates homes to flip for a profit. Dwayne and Victoria dig deep into Home renovation Loans, including what can be done and more importantly HOW it can be done. We also have local restauranteur Vicky Bayley who is holding an amazing event for Breast Cancer Awareness month. Pink with a Purpose will be hosting a Sip & Stroll as well as a Music Festival. To find out more go to https://pinkwithapurpose.org/
All that and more on Mortgage Gumbo w/ Dwayne Stein 10/1/22
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CrossCountry Mortgage, LLC is an FHA Approved Lending Institution and is not acting on behalf of or at the direction of HUD/FHA or the Federal government. All loans subject to underwriting approval
This week your Chef Dwayne Stein continues his 3 D's special. This week he covers Debt. Where are we at with Credit Card debt, and why is it so Important? In other news the Fed has raised the Interest Rates.....again. Cohost James Parker asks Dwayne about Good Faith estimates, and Popcorn Ceilings. All that and more on Mortgage Gumbo with Dwayne Stein 9/24/22
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CrossCountry Mortgage, LLC is an FHA Approved Lending Institution and is not acting on behalf of or at the direction of HUD/FHA or the Federal government. All loans subject to underwriting approval
Happy Birthday to Mortgage Gumbo and you the Gumbo Nation. Today we celebrate 8 years of bringing you education and options, and a whole lot of entertainment. We had a whole birthday special planned, but the inflation news made us pivot. Your Chef Dwayne Stein is joined by James Parker and the guys discuss Credit Cards and Debt, as well as what the rising rates mean for you and your home. All that and more on Mortgage Gumbo w/ Dwayne Stein 9/17/22
Personal NMLS175109 / Branch NMLS851695 / Company NMLS3029
CrossCountry Mortgage, LLC is an FHA Approved Lending Institution and is not acting on behalf of or at the direction of HUD/FHA or the Federal government. All loans subject to underwriting approval.
The Fed raised the rates, but what does that mean for you? Your Chef Dwayne Stein is here to give you education and options on navigating this higher rate landscape. Dwayne is joined by his old friend, radio buddy, and client James Parker. They talk about the rising interest rates and dissect the Fed Chairman's latest remarks on the Market. Attorney Jared Miguez of Fleur-de-lis Law & Title stops by later to talk about FDL services and how they can help. All that and more on Mortgage Gumbo w/ Dwayne Stein 6/25/22
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CrossCountry Mortgage, LLC is an FHA Approved Lending Institution and is not acting on behalf of or at the direction of HUD/FHA or the Federal government. All loans subject to underwriting approval
This week your Chef Dwayne Stein becomes your Coach. Get Off the Sideline and get in the game! Even though rates are going up, and inflation is on the rise. It's time to get your "stuff" in order and put your money into a hard physical asset....like a home! Dwayne is joined once again by "Radio Guru" James Parker, who helps give you another look at the market. All that and more on Mortgage Gumbo w/ Dwayne Stein 7/2/22
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CrossCountry Mortgage, LLC is an FHA Approved Lending Institution and is not acting on behalf of or at the direction of HUD/FHA or the Federal government. All loans subject to underwriting approval
Your Chef Dwayne Stein is coming to you LIVE from Atlanta Georgia! As we reach the Halfway Point of the year, it's time to do a Halftime Review. Where do you stand with your New Year Resolutions? Have you achieved any of them? Did you toss them out the window seconds after you made them? Your Chef Dwayne Stein has some tips and ideas of things you can do if you're like most people who didn't achieve anything close to those resolutions. Later Dwayne shares a new Guarantee that potential home buyers will find irresistible! All that and more on Mortgage Gumbo w/ Dwayne Stein 7/9/22
Personal NMLS175109 / Branch NMLS851695 / Company NMLS3029
CrossCountry Mortgage, LLC is an FHA Approved Lending Institution and is not acting on behalf of or at the direction of HUD/FHA or the Federal government. All loans subject to underwriting approval
Your Chef Dwayne Stein is back in town and Live in Studio! Dwayne recaps his trip to the ATL and is also joined by guest co-host James Parker. They go over the latest inflation numbers, as well as the weekly Rate Watch segment. Later Dwayne digs in deep to the cost of waiting, and why waiting may not be a good thing. All that and more on Mortgage Gumbo w/ Dwayne Stein 7/16/22
Personal NMLS175109 / Branch NMLS851695 / Company NMLS3029
CrossCountry Mortgage, LLC is an FHA Approved Lending Institution and is not acting on behalf of or at the direction of HUD/FHA or the Federal government. All loans subject to underwriting approval
Are you thinking about selling your home? Did you miss the boat? A lot of sellers are having FOMO, a Fear of Missing Out on this sellers market. Your Chef Dwayne Stein is once again joined by special guest host James Parker. They discuss the latest news about the Fed raising the Rate. We also hear from the Fed Chairman and Treasury Secretary Janet Yellen. All that and more on Mortgage Gumbo w/ Dwayne Stein 7/30/22
Personal NMLS175109 / Branch NMLS851695 / Company NMLS3029
CrossCountry Mortgage, LLC is an FHA Approved Lending Institution and is not acting on behalf of or at the direction of HUD/FHA or the Federal government. All loans subject to underwriting approval
If you are in the process of buying a new home, then this is the show for you! Listen and Learn the TEN Commandments when purchasing a new home! These may seem like common sense rules, but your Chef Dwayne Stein has seen it all, and seen the heartbreak of those that have broken them. Dwayne is also joined by a member of the Total Home Authority - Denise Dutruch. She talks about the "Golden Ticket" that Dwayne offers his clients, as well as the $5,000 guarantee. All that and more on Mortgage Gumbo w/ Dwayne Stein 8/6/22
Personal NMLS175109 / Branch NMLS851695 / Company NMLS3029
CrossCountry Mortgage, LLC is an FHA Approved Lending Institution and is not acting on behalf of or at the direction of HUD/FHA or the Federal government. All loans subject to underwriting approval
Your Chef Dwayne Stein is here with more education and options. This week he shares information on his upcoming webinar series, and takes listener questions as well. What's the difference between Pre-Approved Vs. Pre-Qualified? How do Schmuckatelli's take advantage of the unsuspecting home buyer? Dwayne is also joined by guest co-host James Parker. All that and more on Mortgage Gumbo w/ Dwayne Stein 8/13/22
Personal NMLS175109 / Branch NMLS851695 / Company NMLS3029
CrossCountry Mortgage, LLC is an FHA Approved Lending Institution and is not acting on behalf of or at the direction of HUD/FHA or the Federal government. All loans subject to underwriting approval
Your Chef Dwayne Stein is graced by royalty live in the studio. Collette Biedenkopf the "Queen of Insurance" answers all your questions about Insurance. They discuss where the Insurance industry going, and give us some updates on the coming peak of Hurricane season. Later they talk about Insurance of last resort and why flood insurance needs to be renewed and held on to tightly. Find out more about the "Queen of Insurance" at https://themonarchins.com/ All that and more on Mortgage Gumbo w/ Dwayne Stein 8/20/22
Personal NMLS175109 / Branch NMLS851695 / Company NMLS3029
CrossCountry Mortgage, LLC is an FHA Approved Lending Institution and is not acting on behalf of or at the direction of HUD/FHA or the Federal government. All loans subject to underwriting approval
Total Home Authority member Fleur De Lis Law and Title Jared Miguez joins the show to talk all things legal. Your Chef Dwayne Stein talks with Jared about how a Divorce can hurt your chance to purchase a home if it isn't final. Plus, why having someone who knows the law can save you money. Get more info about FDL Title here --> https://fdllawandtitle.com/ Later they talk about the Printing Presses are back up and running and just cranking out money. All that and more on Mortgage Gumbo w/ Dwayne Stein 8/27/22
Personal NMLS175109 / Branch NMLS851695 / Company NMLS3029
CrossCountry Mortgage, LLC is an FHA Approved Lending Institution and is not acting on behalf of or at the direction of HUD/FHA or the Federal government. All loans subject to underwriting approval
This week your Chef Dwayne Stein puts the real world on hold. Forget about inflation, rising rates and schmuckatelli's. Let's Talk Fantasy Football!! Once again the Fantasy Football Sherpa and Guru, Jason Fontenelle joins the show to share his best Picks, Busts, and Tips for a successful Fantasy Season. Who are his Top Ten Picks? Who are his best RB's and WR's? Finally, he offers his tips for a successful draft which can make or break your season. All that and more on Mortgage Gumbo w/ Dwayne Stein 9/3/22
Personal NMLS175109 / Branch NMLS851695 / Company NMLS3029
CrossCountry Mortgage, LLC is an FHA Approved Lending Institution and is not acting on behalf of or at the direction of HUD/FHA or the Federal government. All loans subject to underwriting approval
This week your Chef Dwayne Stein starts his 3 D's special. This week he kicks it of the biggie, Divorce. In the coming weeks he will detail Death, Debt, and its close cousin Distance. This week special guest cohost James Parker. The guys also discuss homebuyers biggest regrets from their home guying experience. All that and more on Mortgage Gumbo w/ Dwayne Stein 9/10/22
Personal NMLS175109 / Branch NMLS851695 / Company NMLS3029
CrossCountry Mortgage, LLC is an FHA Approved Lending Institution and is not acting on behalf of or at the direction of HUD/FHA or the Federal government. All loans subject to underwriting approval
Get the facts on the latest data on existing home sales, your weekly rate watch, how to navigate forbearance and inflation, and a way for you to calculate your credit card interest!
Last week we gave you the weekly rate watch, the most recent updates on rental rates and online mortgage rates, the “silver lining” for homeowners, and more.
Last week we gave you the weekly rate watch, the most recent updates on rental rates and online mortgage rates, the “silver lining” for homeowners, and more. Tune in!
During last week’s show we answered multiple caller questions on everything from getting scammed and medical collections to the most recent rate updates and housing inventory.Tune in!
Last week, we covered an often overlooked mortgage hack to shave YEARS off your mortgage payments and save thousands of dollars in interest: Bi-Weekly Mortgage Payments!
Get the facts about what to do in a rising mortgage rate environment, learn more about the value of Snap, Send & Save, and find out how to win in today’s market.
Listen in as ”The Queen of Insurance” Biedenkopf Total Home Authority Member is live in studio.
Listen to our show on Saturday, March 5th 2022 as Dwayne goes into detail about the difference between being pre-qualified & pre-approved.
They are NOT the same thing.
It’s springtime and many people are thinking about getting out and buying a home. And in this market where every home is getting multiple offers, you have to make your best offer by being pre-approved.
Have you missed the boat? Is it too late to buy? Dwayne gives you the numbers on home appreciation. In other words, how much are home values going up in your city? Listen to find out.
The differences between Pre-Qualified vs Pre-approved… Don’t get 'em twisted. You’ll regret it.
Listen to our show this week where Dwayne gives you easy & free DIY tips to improve your credit score.
Listen in as Dwayne talks about what's ahead for real estate in and around the metro New Orleans area for 2022.
Listen in as Dwayne interviews a title attorney as they talk about all things related to closing on your home including important topics like property taxes & homestead exemptions.
Learn all about credit & how it impacts your ability to buy or sell a house with Dwayne Stein with Mortgage Gumbo.
Today we are going over the 10 Commandments when Getting a Mortgage. These are the things that will assure a smooth buying process, and ensure that you get the most home for your money. Some are very simple, like don't spend the money set aside for your down payment.
Tips for managing Credit this Holiday Season Tis the season to watch your credit! We have several tips for you to help manage your credit this holiday shopping season.
In today's episode, we are giving you the forecast. Not a weather forecast, the Home Value and Mortgage Rate Forecast. Dwayne breaks down the 3 categories that affect you the most, like Home Values, Home Supply, and Interest Rates.
Today we are busting some Myth's and answering your mailbag questions. We also share a story about a client who thought he knew more than the professionals in their field. He may have gotten a lower interest rate, but did it really save him any money? Find out!
Help-A-Hound Fundraiser for Northshore Humane Society is next week! Your Chef Dwayne Stein is joined by Alex, the Director of Operations at the Northshore Humane Society. NHS Board Member & Realtor Extraordinaire Jennifer LaCoste is also on board. They discuss the many needs of this amazing No Kill Shelter and how the Gumbo Nation can help them continue their great work. Volunteer or Donate at https://www.northshorehumane.org/ or Call them at 985-892-7387 And come see them, their adoptable pets, and your Chef Dwayne Stein next week at the Help-A-Hound Fundraiser for Northshore Humane Society October 30th from 12p to 3p click here for more info https://mortgagegumbo.com/event/help-a-hound-fundraiser/
Today's episode is all about what you should know before you consider refinancing - don't just chase a number on a piece of paper! We give you the steps you need to take before making that big decision. Avoid the Schumckatellis!
"To Buy, Or Not to Buy, that is the Question". We are discussing the rising Mortgage Rates, but explains why they are still great rates to buy. If you are waiting to buy, how much will it cost you? How many years will it take you to recoup the money if you wait longer?
What are Interest Rates? What types are there....and what the heck does APR stand for? Dwayne helps you understand the terms and their meanings. He provides you with education and options so that you can avoid the Schmuckatellis.
On today's menu your Chef Dwayne Stein is keepin' it real. Providing you the education and options you need to understand what the Fed is saying in term of Interest Rates and tapering. Also, Dwayne says the worst 4 letter word in the country.....FEMA. What's happening on October 1st? Dwayne explains what the new FEMA Risk Rating Methodology means as they roll out the 2.0 Equity in Action plan.
The Legends of Law and Title from Fleur De Lis Law & Title are live In Studio. Owner Jeff LeSaicherre as well as Jared Miguez join Dwayne Stein to discuss what separates them from the Schmuckatelli's out there. Like personally delivering checks to their clients, and not just rubber stamping something and moving on.
We are joined by Roofing Specialist Jacob Brigham & Tree Removal Expert Jake Guidry. When cleaning up and repairing your home after a storm, who can you trust? That's easy...your Chef Dwayne Stein and the Total Home Authority. Jacob Brigham of @AllAroundRoofing1 on Facebook explains why you need to make sure your roofer is Insured & Licensed, don't just take their word for it. Reach out to Jacob at allaroundjake@gmail.com or find him on Facebook at https://www.facebook.com/allaroundroofing1/ Jake Guidry of Tree Guardian LLC goes into the importance of Tree Removal after a storm if a tree has fallen ON your home.
The Queen of Insurance Collette Biedenkopf joins your Chef Dwayne Stein, to give advice to homeowners on what to do in the aftermath of Hurricane Ida. Dwayne Stein also goes through the Good, the Bad, and the Ugly in the wake of the storm. Find out more about Flood Insurance, Storm coverage, and insurance claim information at themonarchins.com
On today's episode, we're talking about where Home Prices are at and answers the question... Is it your turn? Who has the Advantage right now? Buyers or Sellers?
Why should you enlist the help of your Chef Dwayne Stein? Because he takes on the world of Banks and Brokers! Dwayne Stein Versus The World!!! Dwayne explains the difference between Brokers, Banks, and himself. What can he and his team offer you, that Banks and Brokers simply cannot do!
Today we are sharing an anecdote of a recent success story with Snap Send & Save. A client who thought he had no options came to Dwayne and was not only helped but given even more options than he thought possible! The main course deals with folks who are on the fence about getting a Refi. If you're one of those people, then this is the episode for you!
Dwayne's answering your e-mails this week, Gumbo Nation! Want to learn more? Visit mortgagegumbo.com! Looking to refinance? Just snapsendandsave.com!
On today's answering the question, "Are We Heading Into a Housing Bubble?" Later he dips into the Mailbag to answer your questions. Finally, in our Rate Watch segment, Dwayne shares his enthusiasm on amazingly low rates! It's like stealing money!
On today's menu of Mortgage Gumbo your Chef Dwayne Stein explains how Home Pricing Affordability works. He also explains and debunks fact and fiction on Home Rental versus Home Buying.
What is a Point? What Types of Points are there? How much do they cost? How does it affect my Taxes and Loan Payments?
On today's menu of Mortgage Gumbo, your Chef Dwayne Stein explains Points. What is a Point? What Types of Points are there? How much do they cost? How does it affect my Taxes and Loan Payments?
What is amortization? How does amortization work? How can I beat amortization on a mortgage? We are answering all the questions you may have about amortization.
Today's episode we are answering questions I am getting about Child Care Tax Credit. Also, we are telling you what you need to know about refinancing and what programs are out there to use and take advantage of.
There is something about hurricane preparation that will never get old. That is something you can never cover enough.
On today's episode, we are discussing our famous 10 Commandments When Applying For A Mortgage.
How much home should I buy in relation to what my income is? This episode we'll be looking at debt-to-income ratios and how it works.
We saw rates going crazy this weekend. are you wondering why? We busted a big myth! Listen and find out.
Closing cost vs Prepaids when it comes to closing on your loan. Whether it's a purchase or refinance. Let's find out what's the difference.
What is a gift? No, it's not an engagement gift or wedding gift it is in other words cash money given to a buyer to purchase a home.
360 Home Inspections is here to provide you with all information on home inspections. What are they looking for? What are the main issues they see? After the inspection how do you got back to negotiate?
Are you pre-qualified or pre-approved? Do you know the difference? On today's episode, we are discussing the differences between being pre-approved and pre-qualified.
Home equity - the difference between what you owe on your mortgage & what your home is currently worth. Do you know how much equity is in your home? Today's episode is all about equity.
Last year, interest rates hit a historical low. Now, they are rising. In today's episode, we are educating you on what rates are doing.
The Queen of Insurance, Collette Biedenkopf will be joining me on the show today. In light of these past storms, she's here to discuss the deadlines due with claims.
Right now we're in a RRE. What's that? RRE is a Rising Rate Environment. The days of low rates have changed. So what does that mean to you? Listen to today's episode below for more information.
Looking for help to raise your credit score? In today's episode, I will give you some tips on how to improve your credit score.
On today's episode, we are sliding into the DMs with credit questions that I know will make you say, "I'm so happy they asked that". Were also discussing interest rates, this week we saw a rise in interest rates.
On today's episode, we are talking about credit myths and answering questions many people have with credit.
It's credit awareness month! This month every show I will breakdown credit for you, answer questions you may have, and debunk myths. Even if your credit is bad, I'm going to teach you how to polish that bad up.
When should I start the approval process? How much down payment do I need? Can I get turned down? If these are some questions you have about your home journey this episode is for you.
It's okay if you do not know the ins and outs of the mortgage industry because today we are giving you the cheat sheet to help understand the whole picture of the mortgage industry.
Is it too late to refinance? In today's episode, I give you the breakdown of the difference between a cash out refinance and a rate term refinance.
Today's show is a how-to! We are talking about how to navigate your way through a purchase agreement.
We are going to arm you with the questions you should be asking your lender. You need the answer to these questions to make sure you are choosing the right direction.
Joining us on today's episode is Susan Pomfret, Senior Vice President of the HECM Lending to give us some insight into reverse mortgages. If your the age 62 and older this one's for you.
Today we are talking about your home insurance, and what can we expect to see in the future. Also, we have been telling you the adverse market fees will be tacked on to your loan.
Joining us in the studio from Team Title, Kyle Berthelot, to give you the breakdown of title insurance.
Today's episode you might want to grab pencil and paper because we are giving you some good news with forbearance and cracking open some credit myths. So if you're ready to sell or purchase a home this one is for you.
One-Time Close Loan is back! If you have your lot and your ready to build we have just the information for you! Also discussing FHA vs Conventional loans.
Today we are talking about understanding a real estate contract and/or purchase agreement. What is it? What's involved? What's in a contract? Also, on October 15th we are opening back up our One-Time Close Program.
On today's episode, we are going to give you the breakdown of two different credit scoring models, Vantage and FICO. Why is Vantage score so much higher? Also, we will discuss what you need to know to negotiate a home purchase.
Breakdown Private Mortgage Insurance/PMI, Celebrating 6 years of Mortgage Gumbo by Mortgage Gumbo
We are taking a break from talking about your most valuable asset, your home, to have our Annual Fantasy Football Show! We're talking about how your team can win!
Hurricane Laura has come and gone, taking pieces of Louisiana with her. We are here to help ease the heartbreak, and tell you how to start the insurance claim process. Listen for more: https://bit.ly/Mortgage-gumbo-spotify https://bit.ly/MortgageGumboApplePodcast
Hurricane Season is here! With two hurricanes coming straight for New Orleans we have A-List Roofing here to talk about roofing claims and what you should do if you need to file a claim.
Another thing is if you are a landlord listen up, FHA loans are extending foreclosures and eviction bands.
Do you have existing VA - backed home loan? You want to reduce your monthly mortgage payments? An interest rate reduction refinance loan may be right for you.
This week's episode we are giving you the breakdown of "What are the most common cost to expect as a homeowner?" Looking to build your credit score? Tuesday, August 11th we have a free webinar to learn more about credit.
Joining us in today's episode is Wendy Thibodeaux, Lafourche Parish Assessor to answer some common questions about property tax assessments.
On today's episode, we are discussing the 10 Commandments When Applying For A Mortgage in detail. Also, we will touch base on, a hard credit inquiry vs. a soft inquiry.
Did you know your seller can pay your closing cost?? Today we are breaking down what is closing cost and what cost can your seller pay?
Do you want to buy that home you have been looking at? Or are you wanting to refinance your house? We have the simplest way to get started, SnapSendAndSave.com. With just three easy steps we can let you know specifically what you can do.
Are you ready to improve your credit score? We are here to help you through that process. Today we are discussing credit fundamentals and how your score is determined. Also talking about what's going on in the buying market right now. BIG ANNOUNCEMENT July 8th at 6:00 is our home buying webinar! We are walking you through the entire home buying process.
In today's episode, we will discuss different types of mortgage loans and down payment options. So many people are now finding out what their buying power is - with NO CREDIT CHECK. Here are a few success stories about SnapSendAndSave.com.
This week we brought in Collette Biedenkopf, The Queen Of Insurance. We are going to talk about how to make sure your house is covered with hurricane season coming up. Also, she will discuss flood insurance, auto insurance, and business policies. With COVID-19 calming down we talk about how it affected us.
BIG ANNOUNCEMENT FOR HOMEBUYERS! Snap Send & Save now has a purchase option! Find out your potential buying power with no credit check required!!! Just snap a picture of your credit score (not a credit report)→ upload to our secure contact form → and I will call you to discuss your potential buying power.
Not looking for purchase? Looking to refinance? We are answering more questions about refinancing.
For more information visit snapsendandsave.com or mortgagegumbo.com
Let's get social! Facebook: https://bit.ly/2MkNNog Instagram: http://bit.ly/3399I85 Linked In: http://bit.ly/2OnlpnI
Along with our Snap Send And Save we are soon to be adding purchases. Stay tuned! Therefore today we are talking about purchases of a home. What's going on with purchases? What are the trends in purchasing? How are investors handling purchases? In addition to purchases, we are talking about PMI (Private Mortgage Insurance) and how to get rid of it. And lastly, we are talking about mortgage myths. Bringing you mortgage myth-busting.
In this episode, we are talking about Four Barron Loans. Cash Out vs. No Cash Out refinance. Answering one of the main questions about refinancing, “What is a point?” Also, I will cover USDA Rural Development loans, these are 0% loans for when you purchase your home.
If the question in your head is "should I refinance?" This episode can help you. We will be talking about all things refinancing for your house loan. We will talk about the most frequent common questions people have about refinancing. Also, we will be discussing the big COVID-19 announcement from Fannie & Freddie, FHA, VA, and Rural Development.
If you are ready to refinance head over to snapsendandsave.com Snap a picture of your recent mortgage. Send it to us. And start saving! SNAP - SEND - SAVE
In today's episode we are going to dig deeper into refinancing and what are other factors into refinancing.
If you are a veteran or know a veteran? Grab a note pad and take some notes because this program is right for you.
This week we are discussing the state of the mortgage environment. We talk about Rule Development, GSE's (Government sponsored enterprise), Fanny & Freddie, and FHA (Federal Housing Association). What are their guidelines? And where they are getting strict? Also, we are going to talk about some key terms. What is the difference between a forbearance and deferment?
This week on Mortgage Gumbo, Dwayne meets with Collette Biedenkopf, the Queen of Insurance. With this virus we want to make sure we are keeping you in the know, in regards to how this virus will affect your insurance. Listen in for all the details!
This week on Mortgage Gumbo, Dwayne discusses what documents are needed, and why, when you are looking at purchasing a home. Get the complete list here. Listen in for some education and options.
On this week's episode of Mortgage Gumbo, Dwayne chats with Sammy the Intern about all things Home Applications and how Credit can affect your buying power. AND, how is Coronavirus affecting rates. Listen in to get all the details.
On this episode Dwayne has guest Keith Stracensky, the Vice President of Construction Lending at Cross Country Mortgage. They discuss all aspects of the One Time Close Construction Program. Find out how you can One Time Close and have no payments during construction. Your dream home isn't far from reality.
This is the first week of many where Dwayne will be discussing the Home Buying Process. On this episode of Mortgage Gumbo we focus on banks vs. correspondent lenders. What is the better option and why? Listen in for more info!
It is the last week of “Get Your Credit in Check Month”! On this episode we finish off strong with an all-inclusive Credit Recap. We ROUX-view the credit score pie, the best credit tips, and the most important tidbits. Listen in to learn all things credit!
On this week's episode Dwayne is discussing credit scores. What numbers are good, and what numbers are bad. Also, learn where you fall in your age group's average. Listen in here for the best credit tips around!
On this week’s episode, Dwayne is breaking down the credit score pie. This time, the breakdown will give you all the tips and tricks you need to improve your credit score.
On this episode, Dwayne is talking all things credit. Learn the credit score pie. What makes up your credit score and more.
On this episode Dwayne welcomes Sammy the Intern to the show! He also discusses interest rates and all things credit. Listen in to find out more!
On this episode Dwayne welcomes Sammy the Intern to the show! He also discusses interest rates and all things credit. Listen in to find out more!
On this episode Dwayne is talking renting vs. buying. Tune in to hear all about getting out of your rent situation and into your own home!
On this episode of Mortgage Gumbo Dwayne is talking 10 Commandments of Getting a Mortgage. Follow these guidelines and you will be that much more prepared to apply for a mortgage.
This episode Dwayne gets real about what home you can afford and why! Know your expenses, know your maintenance costs, know your debts. Don't be house poor. Listen in to learn more.
It is the holiday season and you are probably spending a little more money than usual. Don't let the holidays affect your credit negatively. Luckily, for you, Dwayne is here to give you 5 tips on how to manage your credit and even use your credit cards to your advantage, this holiday season!
Interested in purchasing a home? Worried about that 20% downpayment? Listen to Dwayne talk about your options, and find out why that 20% is not the end all be all!
This episode of Mortgage Gumbo Dwayne is talking closing costs, how to get the seller to pay them, and the benefits of that! With all of that extra money in your pocket think of the possibilities. Furniture, upgrades, and more! Listen in to find out how he can make it happen for you!
Married? Need to know how that will affect your mortgage or home buying? This is the episode for you, from FHA loans to credit scores and reverse mortgages Dwayne is talking it all.
-Taxes -Homestead Exemption with Kyle Berthelot. - What do I need to do? - When do I file homestead exemption? - Where do I file? - How do I file? -When can I get a break on my homestead taxes?
- How to file a claim feat. Collettte Beindenkopf from TWFG Insurance
- Fantasy Football - how your fantasy football team can win!
- Cash-out vs. Rate-term Refinancing
- Student Loan debt
- How to make a claim on a house after a storm
- Our Inaugural Mortgage Gumbo Help-A-Hound Pet Adoption
- Susie Kaznowitz with Northshore Humane Societ
- November 2nd, Help-A-Hound Pet Adoption
- Thinking about refinancing? Take advantage of these low rates!
- We discuss the differences between Cash-Out vs. Rate Terms Refinancing.
- Credit! We talk about credit reports!
- Discuss mortgage denials
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Feel free to contact me with any questions or information. https://mortgagegumbo.com/contact-us/
- Are appraisals going away?
- Do you own a condo? Listen to some big changes that are coming!
- Wanting to build that dream home? We discuss a One-Time Construction Closing Program. For FHA loan only 3.5% down. Veterans 0% down.
- Are you a young Homebuyer? See what 17% of people who own homes regrets?
Subscribe to my weekly newsletter on weekly Homebuying helpful information. https://mortgagegumbo.com/roux/
Feel free to contact me with any questions or information. https://mortgagegumbo.com/contact-us/
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True or False? Fact vs. Fiction? Are you in credit card debt? We share some unexpected truths about mortgage and share some eduction questions that have been asked.
Subscribe to my weekly newsletter on weekly Homebuying helpful information. https://mortgagegumbo.com/roux/
Feel free to contact me with any questions or information. https://mortgagegumbo.com/contact-us/
Facebook: https://www.facebook.com/mortgagegumbo/ Instagram: http://bit.ly/3399I85 LinkedIn: http://bit.ly/2OnlpnI
Reverse Mortgages - Stories and Questions Answered Student Loans & Rural Development Appraisals Going Away??? - Let’s Talk
Subscribe to my weekly newsletter on weekly Homebuying helpful information. https://mortgagegumbo.com/roux/
Feel free to contact me with any questions or information. https://mortgagegumbo.com/contact-us/
Facebook: https://www.facebook.com/mortgagegumbo/ Instagram: https://www.instagram.com/mortgage_gumbo/ LinkedIn: https://www.linkedin.com/in/dwaynestein2401/
We're talking insurance with Collette Biedenkopf, "The Queen Of Insurance" . Insurance topics discussed: • Flood Insurance - are you in a flood zone? - if you're not in a flood zone you still need to look into getting flood insurance. It's better to be safe than sorry.
We are excited to say that because of you Gumbo Nation, we have made it 5 years on the show! With each show bringing you education on mortgages, types of loans and credit.
Keith Stracensky, Vice President of Construction Lending. He is the guru when it comes to construction lending. What makes cross country mortgage better than banks? If you are a builder or an agent you will want to listen. taking people and handing them to the builders, to build their dream homes.
Super excited for our 5th Year Anniversary!
Don't forget September 20th at the Southport Music Hall in New Orleans we, Mortgage Gumbo, are partnering with 101.1 WNOE to present Aaron Watson!
Today's episode is a story about a single mother of three, trying to get a loan to own a home. In this story, we learn that banks are not always the best choice when it comes to getting a loan to buy a home. We also take a break from talking about your most valuable asset to have our 5th Annual Fantasy Football Show! We're talking about the top 10 fantasy, whose going to be some standouts, every position, whose sleepers, busts, and wide receivers coming back.
This week we had our First Time Homebuyer's Dinner Date. It was such a success! Today I will discuss some of the questions that were asked during the Homebuying Dinner Webinar. Are your 65 years of age? Did you know you can freeze your taxes on your home?? Also heads up on what is coming up on the show!! Our Annual Fantasy Football Spectacular!
Subscribe to my weekly newsletter on weekly Homebuying helpful information. https://mortgagegumbo.com/roux/
Feel free to contact me with any questions or information. https://mortgagegumbo.com/contact-us/
Facebook: https://www.facebook.com/mortgagegumbo/ Instagram: https://www.instagram.com/mortgage_gumbo/ LinkedIn: https://www.linkedin.com/in/dwaynestein2401/
- Discussing FHA making good decisions
- 1st Time Close Program, Building Your Dream Home! September 7th
- Guest star, Wendy Thibodeaux with Lafourche Parish Assessor
- What's America's 1st Handcrafted Vodka
- First Time Homebuyer's Dinner Date Webinar, August 20th, 6-7pm
This episode we are taking you behind the scenes of what happens after you purchase your home. Guest on the show is Kyle Berthelot, with Team Title, will be discussing what goes on behind the scenes after purchasing your home. This such as: -What is a preliminary title report? -What is an abstract? -Owner vs. Lender title. -What is an incumbents?
In this episode we are talking about: -Fed Lower Rates -Credit Karma & Monitoring Credit -FHA is Making Big Changes -Revisiting income August 31st Is Our Fantasy Football Live Show! Save that date!
- Back to the basics
- Find out what's required for a mortgage
- Hard vs. Soft Inquiries
- Money being spent on home improvements Join me for a webinar on August 20th for my First Time Homebuyer's Dinner Date. We will be discussing: • Mortgage Basics • Credit Fundamentals • Obtaining Mortgage (Next Steps) • Maintaining Your Home For more info visit our website at www.mortgagegumbo.com
-Will the Feds raise interest rates at the end of the month and how will it affect you? -how does our area rank with the average value for a home compared to the national average
Dwayne has live coverage of Hurricane Barry
Spokesperson from Entergy
Dwayne has a special guest, Collette Beindenkopf from TWFG Insurance, on to discuss what you need to know about what to do when a storm is approaching. How you should document storm damage, coverages, etc.
Dwayne has live coverage of Hurricane Barry
Dwayne has a special guest, Collettte Beindenkopf from TWFG Insurance, on to discuss what you need to know about what to do when a storm is approaching. How you should document storm damage, coverages, etc.
Also on the show, Meteorologist Bob Breck and Mandeville Mayor Donal Villere discuss storm preparedness.
A 15-yr mortgage can mean a larger payment but you will pay off your debt quicker. A 30-yr mortgage can mean a lower payment allowing you to use the additional funds for other projects and unexpected goals. So which is the right term for you? Listen now as Dwayne weighs the 15-yr vs. 30-yr mortgage option.
Are you thinking about refinancing your house? Before you do, listen to this podcast. We can help you prepare before you make this decision. Do you pay a PMI (Private Mortgage Insurance)? In this podcast, we also will discuss how you can combine your PMI with your mortgage loan, so you can keep money in your pocket.
If you are a first time home buyer and want to know about FHA loans and Conventional loans you will want to listen to this. Also in this epsiode, we are talking about student loan interest rates. Another thing you will learn about is home values.
Rates & refinances are creating an influx in the market Selling your home - We have a network of agents for you Affordable properties bring trade-up buyers back in the mix Types of Reverse Mortgages MI Insurance
-How credit score affects insurance rates. -Flood zones and insurance rates. -What to do during hurricane season.