Keeping Your Business On Track: Recent Episodes
Morgan Financial
Welcome to the Keeping Your Business On Track podcast! We're your hosts, Joe Harris and Nicki Jenne, are here to bring you all the education and inspiration you need to build your Real Estate business.If you like what you hear, we host free educational seminars every other week on the same topics you'll find right here on the podcast! To stay up-to-date and tune in to any of our free classes, check out our website at https://morganfinancial.net/keepingyourbusinessontrack/ [Morgan Financial | Residential Mortgage Lender | Equal Housing Lender | NMLS ID: 318525 | (321) 757-3570 | morganfinancial.net | 1441 N. Harbor City Blvd. Melbourne, FL 32935]
In today's episode, Joe and Lindsay break down the basics of mortgage points and whether buying them is a smart move for your financial future. We'll explore how discount points can reduce your interest rate, calculate the break even point, and explain what happens when you pay points at closing. If you're considering a refinance with points, this episode is a must listen!
For any inquires, questions, or comments:https://form.jotform.com/MorganFinancial/contact-us-pageConnect with one of our Mortgage Loan Originators: https://morganfinancial.net/about/meet-the-team/Start a Loan Application: https://mymortgage.morganfinancial.net/homehub/loginConnect with us at Morgan Financial:Call: 321-757-3570Instagram: https://www.instagram.com/morgan.financialFacebook: https://www.facebook.com/morganfinancialTikTok: https://www.tiktok.com/@morganfinancial321X: https://www.twitter.com/morganfinancialLinkedIn: https://www.linkedin.com/company/morgan-financial-melbourne-fl/Blog: https://morganfinancial.net/blog/Morgan FinancialResidential Mortgage LenderEqual Housing LenderNMLS ID: 318525321-757-3570www.morganfinancial.net1441 N. Harbor City Blvd. Melbourne, FL 32935
Are you a veteran or active-duty service member with a VA loan? Did you know there’s a super simple way to lower your interest rate and start saving money? In this podcast, we break down the VA Interest Rate Reduction Refinance Loan (IRRRL), and how it could help you lower your monthly payments quickly and easily!
What you’ll learn:
- What the IRRRL is and how it works
- How to qualify for the VA Streamline Refinance
- The benefits of lowering your interest rate for veterans like you!
Whether you're looking to cut down on your monthly payments or just want to see if you're eligible, this is a must-watch! 🔥
In this episode, Joe and Lindsay discuss the common pitfalls homeowners face when refinancing their mortgage and how to avoid them. Refinancing can be a great financial strategy, but only if you know what to watch out for. From hidden fees to resetting your loan term, we’ll cover the most frequent mistakes that can cost you thousands in the long run. Whether you're looking to lower your interest rate, consolidate debt, or tap into your home’s equity, we provide actionable tips to help you make the smartest refinancing decisions. Tune in and learn how to navigate the refinancing process with confidence!For any inquires, questions, or comments:https://form.jotform.com/MorganFinancial/contact-us-pageConnect with one of our Mortgage Loan Originators: https://morganfinancial.net/about/meet-the-team/Start a Loan Application: https://mymortgage.morganfinancial.net/homehub/loginConnect with us at Morgan Financial:Call: 321-757-3570Instagram: https://www.instagram.com/morgan.financialFacebook: https://www.facebook.com/morganfinancialTikTok: https://www.tiktok.com/@morganfinancial321X: https://www.twitter.com/morganfinancialLinkedIn: https://www.linkedin.com/company/morgan-financial-melbourne-fl/Blog: https://morganfinancial.net/blog/Morgan FinancialResidential Mortgage LenderEqual Housing LenderNMLS ID: 318525321-757-3570www.morganfinancial.net1441 N. Harbor City Blvd. Melbourne, FL 32935
In this episode, Joe and Rick explore the critical question every homeowner asks: Should I refinance my mortgage? They talk about the reasons why refinancing might be the right move, from lowering your interest rate to increasing cash flow, and also discuss scenarios where refinancing might not be in your best interest. Whether you're considering a refi or just curious, this episode is packed with valuable insights to help you make an informed decision. Tune in for great insight! 💡For any inquires, questions, or comments:https://form.jotform.com/MorganFinancial/contact-us-pageConnect with one of our Mortgage Loan Originators: https://morganfinancial.net/about/meet-the-team/Start a Loan Application: https://mymortgage.morganfinancial.net/homehub/loginConnect with us at Morgan Financial:Call: 321-757-3570Instagram: https://www.instagram.com/morgan.financialFacebook: https://www.facebook.com/morganfinancialTikTok: https://www.tiktok.com/@morganfinancial321X: https://www.twitter.com/morganfinancialLinkedIn: https://www.linkedin.com/company/morgan-financial-melbourne-fl/Blog: https://morganfinancial.net/blog/Morgan FinancialResidential Mortgage LenderEqual Housing LenderNMLS ID: 318525321-757-3570www.morganfinancial.net1441 N. Harbor City Blvd. Melbourne, FL 32935
🚀 Ready to refinance? Join Joe and Mary on this episode of Keeping Your Business on Track as they break down everything you need to know about preparing for a refinance with Morgan Financial. 🏡✨ From understanding the benefits to navigating the process, we've got you covered with expert advice and insider tips. Don't miss out on making the most informed decision for your financial future. Hit that subscribe button for more insights and strategies from the Morgan Financial team!For any inquires, questions, or comments:https://form.jotform.com/MorganFinancial/contact-us-pageConnect with one of our Mortgage Loan Originators: https://morganfinancial.net/about/meet-the-team/Start a Loan Application: https://mymortgage.morganfinancial.net/homehub/loginConnect with us at Morgan Financial:Call: 321-757-3570Instagram: https://www.instagram.com/morgan.financialFacebook: https://www.facebook.com/morganfinancialTikTok: https://www.tiktok.com/@morganfinancial321X: https://www.twitter.com/morganfinancialLinkedIn: https://www.linkedin.com/company/morgan-financial-melbourne-fl/Blog: https://morganfinancial.net/blog/Morgan FinancialResidential Mortgage LenderEqual Housing LenderNMLS ID: 318525321-757-3570www.morganfinancial.net1441 N. Harbor City Blvd. Melbourne, FL 32935
In this video, Joe and Lindsay uncover the top 5 fears that home buyers commonly face when purchasing a home. From concerns about affordability and the mortgage process to worries about finding the right property and dealing with unexpected costs, we break down each fear and offer practical advice on how to overcome them. Whether you're a first-time homebuyer or just looking to brush up on your knowledge, this video will help you navigate the home buying journey with confidence. Don't let fear hold you back—get informed and make your dream home a reality! 🏡For any inquires, questions, or comments:https://form.jotform.com/MorganFinancial/contact-us-pageConnect with one of our Mortgage Loan Originators: https://morganfinancial.net/about/meet-the-team/Start a Loan Application: https://mymortgage.morganfinancial.net/homehub/loginConnect with us at Morgan Financial:Call: 321-757-3570Instagram: https://www.instagram.com/morgan.financialFacebook: https://www.facebook.com/morganfinancialTikTok: https://www.tiktok.com/@morganfinancial321X: https://www.twitter.com/morganfinancialLinkedIn: https://www.linkedin.com/company/morgan-financial-melbourne-fl/Blog: https://morganfinancial.net/blog/Morgan FinancialResidential Mortgage LenderEqual Housing LenderNMLS ID: 318525321-757-3570www.morganfinancial.net1441 N. Harbor City Blvd. Melbourne, FL 32935
In this video, Joe and Lindsay break down everything you need to know about Debt to Income (DTI) Ratio. Understanding your DTI is crucial for smart borrowing and securing your financial future. We'll cover:📊Understanding DTI🏠Impact on Mortgage Approval💡Improving Your DTI💰Determining Home Affordability🔑Long-Term Financial HealthWhether you are looking to buy a home or just want to get a better handle on your finances, this video has got you covered. Don't forget to like, comment, and subscribe for more financial tips and insights!For any inquires, questions, or comments:https://form.jotform.com/MorganFinancial/contact-us-pageConnect with one of our Mortgage Loan Originators: https://morganfinancial.net/about/meet-the-team/Start a Loan Application: https://mymortgage.morganfinancial.net/homehub/loginConnect with us at Morgan Financial:Call: 321-757-3570Instagram: https://www.instagram.com/morgan.financialFacebook: https://www.facebook.com/morganfinancialTikTok: https://www.tiktok.com/@morganfinancial321X: https://www.twitter.com/morganfinancialLinkedIn: https://www.linkedin.com/company/morgan-financial-melbourne-fl/Blog: https://morganfinancial.net/blog/Morgan FinancialResidential Mortgage LenderEqual Housing LenderNMLS ID: 318525321-757-3570www.morganfinancial.net1441 N. Harbor City Blvd. Melbourne, FL 32935
Discover the secrets to successful open houses with Lindsay Clark! In this episode, we explore why open houses are still effective, how to convert visitors into leads, and the strategies to turn those leads into closed contracts. Tune in for expert advice and make sure to subscribe for more actionable tips!🖊️📈✔️For any inquires, questions, or comments:https://form.jotform.com/MorganFinancial/contact-us-pageConnect with one of our Mortgage Loan Originators: https://morganfinancial.net/about/meet-the-team/Start a Loan Application: https://mymortgage.morganfinancial.net/homehub/loginConnect with us at Morgan Financial:Call: 321-757-3570Instagram: https://www.instagram.com/morgan.financialFacebook: https://www.facebook.com/morganfinancialTikTok: https://www.tiktok.com/@morganfinancial321X: https://www.twitter.com/morganfinancialLinkedIn: https://www.linkedin.com/company/morgan-financial-melbourne-fl/Blog: https://morganfinancial.net/blog/Morgan FinancialResidential Mortgage LenderEqual Housing LenderNMLS ID: 318525321-757-3570www.morganfinancial.net1441 N. Harbor City Blvd. Melbourne, FL 32935
Are you tired of paying Private Mortgage Insurance (PMI) and looking for ways to eliminate it faster? In this episode, Nick and Joe explore various strategies to help you get rid of PMI on your mortgage sooner. They cover accelerating equity, leveraging property appreciation, refinancing, making extra payments, and more. Tune in for expert tips and practical advice to save money and shorten the time you have to pay for PMI. 🤝For any inquires, questions, or comments:https://form.jotform.com/MorganFinancial/contact-us-pageConnect with one of our Mortgage Loan Originators: https://morganfinancial.net/about/meet-the-team/Start a Loan Application: https://mymortgage.morganfinancial.net/homehub/loginConnect with us at Morgan Financial:Call: 321-757-3570Instagram: https://www.instagram.com/morgan.financialFacebook: https://www.facebook.com/morganfinancialTikTok: https://www.tiktok.com/@morganfinancial321X: https://www.twitter.com/morganfinancialLinkedIn: https://www.linkedin.com/company/morgan-financial-melbourne-fl/Blog: https://morganfinancial.net/blog/Morgan FinancialResidential Mortgage LenderEqual Housing LenderNMLS ID: 318525321-757-3570www.morganfinancial.net1441 N. Harbor City Blvd. Melbourne, FL 32935
Are you finding it tough to save up for a down payment on your dream home? Don't worry – we've got you covered! In this video, we uncover innovative and unconventional methods to gather the funds you need for a down payment. Whether you're a first-time homebuyer or looking to upgrade, these creative solutions will help you think outside the box and accelerate your journey to homeownership.
For any inquires, questions, or comments:https://form.jotform.com/MorganFinancial/contact-us-pageConnect with one of our Mortgage Loan Originators: https://morganfinancial.net/about/meet-the-team/Start a Loan Application: https://mymortgage.morganfinancial.net/homehub/loginConnect with us at Morgan Financial:Call: 321-757-3570Instagram: https://www.instagram.com/morgan.financialFacebook: https://www.facebook.com/morganfinancialTikTok: https://www.tiktok.com/@morganfinancial321X: https://www.twitter.com/morganfinancialLinkedIn: https://www.linkedin.com/company/morgan-financial-melbourne-fl/Blog: https://morganfinancial.net/blog/Morgan FinancialResidential Mortgage LenderEqual Housing LenderNMLS ID: 318525321-757-3570www.morganfinancial.net1441 N. Harbor City Blvd. Melbourne, FL 32935
In this episode, Nick and Joe review mortgage options that require LESS than a 20% down payment. Explore the requirements for FHA, conventional, VA, and even USDA loans. Learn about the unique features, benefits, and eligibility of each product, and discover how these options can help you achieve your dream of owning a home with a lower initial investment. Whether you're a first-time homebuyer, real-estate agent assisting a client, or someone who is looking to understand your financing options better, this podcast hopes to show 20% should never be a deal breaker. 😊For any inquires, questions, or comments:https://form.jotform.com/MorganFinancial/contact-us-pageConnect with one of our Mortgage Loan Originators: https://morganfinancial.net/about/meet-the-team/Start a Loan Application: https://mymortgage.morganfinancial.net/homehub/loginConnect with us at Morgan Financial:Call: 321-757-3570Instagram: https://www.instagram.com/morgan.financialFacebook: https://www.facebook.com/morganfinancialTikTok: https://www.tiktok.com/@morganfinancial321X: https://www.twitter.com/morganfinancialLinkedIn: https://www.linkedin.com/company/morgan-financial-melbourne-fl/Blog: https://morganfinancial.net/blog/Morgan FinancialResidential Mortgage LenderEqual Housing LenderNMLS ID: 318525321-757-3570www.morganfinancial.net1441 N. Harbor City Blvd. Melbourne, FL 32935
In this episode, Nick and Joe discuss four things every first-time homebuyer should know. From the importance of working with reputable professionals, to assessing your financial readiness, we cover key points to ensure a smooth home buying experience. Tune in to get practical tips and expert advice to help you confidently navigate your journey to owning your first home! 🏠
In this episode, Nick and Joe review the latest VA rule outlined in Circular 26-24-14 and its significant implications for Veterans and their agents. This temporary change aims to help Veterans stay competitive in the evolving real estate market by allowing them to cover buyer-broker charges. Tune in for how this will keep VA buyers competitive in the market! 🙌
Thinking about buying a home? Don't wait! In this episode, Nick and Joe break down the top 5 reasons why now could be the perfect time to purchase. Watch to learn how and why acting sooner, rather than later, could save you thousands and secure your dream home without dealing with competition. Tune in to stay ahead in the home-buying market! 🏠
For any inquires, questions, or comments:https://form.jotform.com/MorganFinancial/contact-us-pageConnect with one of our Mortgage Loan Originators: https://morganfinancial.net/about/meet-the-team/Start a Loan Application: https://mymortgage.morganfinancial.net/homehub/loginConnect with us at Morgan Financial:Call: 321-757-3570Instagram: https://www.instagram.com/morgan.financialFacebook: https://www.facebook.com/morganfinancialTikTok: https://www.tiktok.com/@morganfinancial321X: https://www.twitter.com/morganfinancialLinkedIn: https://www.linkedin.com/company/morgan-financial-melbourne-fl/Blog: https://morganfinancial.net/blog/Morgan FinancialResidential Mortgage LenderEqual Housing LenderNMLS ID: 318525321-757-3570www.morganfinancial.net1441 N. Harbor City Blvd. Melbourne, FL 32935
In this episode, Nick and Joe analyze the effects of the surprising latest inflation report and what it means for the future of the federal funds rate. They cover the latest fed announcement and provide an update on what the rest of the year may look like. Tune in for an industry perspective on how this will affect all things real estate. 🏡 What's Covered:✓ Implications of the latest inflation report✓ How it affects mortgage rates✓ How it affects housing prices✓ Short-term changes✓ Fed decisions moving forwardCheck out our previous fed update podcast where we discussed quantitative tightening: https://youtu.be/3EByk-RpALkFor any inquires, questions, or comments:https://form.jotform.com/MorganFinancial/contact-us-pageConnect with one of our Mortgage Loan Originators: https://morganfinancial.net/about/meet-the-team/Start a Loan Application: https://mymortgage.morganfinancial.net/homehub/loginConnect with us at Morgan Financial:Call: 321-757-3570Instagram: https://www.instagram.com/morgan.financialFacebook: https://www.facebook.com/morganfinancialTikTok: https://www.tiktok.com/@morganfinancial321X: https://www.twitter.com/morganfinancialLinkedIn: https://www.linkedin.com/company/morgan-financial-melbourne-fl/Blog: https://morganfinancial.net/blog/Morgan FinancialResidential Mortgage LenderEqual Housing LenderNMLS ID: 318525321-757-3570www.morganfinancial.net1441 N. Harbor City Blvd. Melbourne, FL 32935
Choosing the right loan officer can make all the difference in your home buying experience. In this episode, Nick and Joe explore why it's crucial to choose your loan officer wisely. Learn why reputation, the quality of their offers, speed, and personalized service matter more than you might think. Not all loan officers are the same, discover how a skilled loan officer can help you secure the home of your dreams, and how others might fail to ever get you to the closing table. Tune in for expert advice on who to look for, and how to identify the must-have qualities of a good loan office. 👩💼👨💼
Have you ever had a question about mortgage rates? In this episode, Nick and Joe dive deep into the MOST frequent questions clients have for us. We clarify common misconceptions, explain why rates vary from person to person, and discuss the key factors that influence the mortgage rates. Furthermore, as an alternative to the typical questions people ask, we'll provide more precise, more impactful questions you can ask your lender instead. Tune in to put yourself in the best possible position to understand lender offers and how they arrive at their numbers
Struggling with debt? In this episode, Nick and Joe dive into the top three proven methods to eliminate debt and regain financial freedom! We'll break down the three proven methods, explaining how each approach works and which one might be the best fit for your financial situation. Whether you're dealing with sky high credit card rates, student loan payments, or debt of any other kind, these strategies can help you take control and pay off your balances with speed and efficiency! 🤝💰What's Covered:✓ Snowball Method✓ Avalanche Method✓ Debt Consolidation✓ Cash-Out Refinances
In this episode, Nick and Joe discuss the various mortgage products that may be offered to a consumer. They define essential mortgage terminology and explore how different features may influence your monthly payments. Learn what critical details to watch for and which features you should prompt question as you consider your choices. Tune in to become an expert on all your options moving forward! 👍What's Covered:✓ ARMs✓ JUMBO Loans (non-conforming)✓ Buydowns✓ Interest-only Payments✓ Balloon Payments✓ HELOCS✓ Reverse Mortgage
In this episode, Nick and Joe analyze the most recent FOMC meeting, unpacking the announcement. While many are writing it off as unnewsworthy, we spotlight a crucial detail that hints at promising future for the interest rates. Tune in for an exciting and hopeful episode on what's to come! 📈💰
In this episode, Nick and Joe analyze the 15-year and 30-year fixed rate mortgages. They dive into specific numbers and breakpoints that give you the tools needed for determining what's best for YOUR situation. Check out the bullets below for specific topics covered.
What's Covered:
✓ What's amortization?
✓ How are interest and principal paid on a mortgage?
✓ How things differ between 15 and 30 year mortgages?
✓ Pros and Cons
✓ What's best for who
In this episode, Nick and Joe look into the world of credit management. Regardless if your credit is less than stellar, or already in great shape, there's always room for improvement and benefits for doing so! Based on our experience in mortgage lending, we decided on the top five easiest and most effective strategies to enhance your credit score. Tune in for expert insights and real-world examples that can help elevate your financial standing. 🏦
In this episode, Nick and Joe we analyze the effects of the latest inflation data on mortgage rates and the housing market. Discover what this means for your home buying or refinancing plans and learn how to protect your real estate business in this shifting economic landscape. What's Covered:✓ Implications of the latest inflation report✓ How it's affecting mortgage rates✓ How it'll affect housing prices✓ Short-term changes✓ Fed decisions moving forward✓ Historical Perspective
In today's podcast, Nick and Joe discus a critical aspect of the mortgage application process: the debt-to-income ratio. A fundamental factor that can significantly impact (make or break) an individual's qualification. Tune in to learn why it matters, what it entails, and what you need to qualify!What's covered:✓ What is DTI?✓ What goes into the calculations?✓ What's an acceptable DTI?✓ How can an MLO solve DTI issues?✓ Does it affect the interest rate?✓ What if it changes?✓ How can you improve your DTI?
In this video, Nick and Joe discuss the current number one leading factor of real estate contract failures. Gain valuable insights into what's happening and WHY the contracts are falling through. Learn proactive steps to prevent issues in future and discover effective strategies for addressing these challenges should they arise. Tune in for expert advice on making sure YOUR transaction gets closed! 🚪🏡
In this today's fun conversation, Nick and Joe tackle one of the most challenging parts of the mortgage journey: documenting large deposits. They explain what constitutes a large deposit, why lenders pay close attention to it, and provide insightful scenarios to clarify what documentation is required and when. They emphasize that the documentation process can vary significantly depending on the source and history of the funds. Whether you're just beginning the mortgage process, already in the midst of it, or assisting someone else, this video hopes to offer clarification for all parties.
What's Covered:
✓ What is a "Large Deposit"?
✓ Why do lenders care?
✓ Separate Bank Accounts
✓ Net Proceeds
✓ Gifts
✓ Liquidation
✓ The Sale of Goods
In this video, Nick and Joe dive into the March 20th Fed announcement and its far-reaching impacts on the economy, mortgage rates, and housing prices. They discuss the most likely outcomes and share their predictions for the rest of the year. Tune in for a unique look at a lender's perspective on the future of the industry!What's Covered:✓ What does the Fed discuss?✓ What do they decide?✓ Announcement and Predictions✓ Future of Mortgage Rates✓ Future of Housing Prices
In this video, Nick and Joe explore the world of income verification for the mortgage process. They cover everything from traditional W-2 employment to more unconventional self-employment practices, ensuring all bases are covered 📑. Whether you're a salaried employee or have a more unique income situation, this video eases concerns about documentation by showing that there's a path for everyone.
What's Covered:
✓ W2 Employees
✓ Self-Employed/Business Owners
✓ Military Pay
✓ Day Trading
✓ Seasonal Income
✓ Commision-only Employees
In this podcast, Joe and our very special guest, Jeremy Stewart discuss the highly beneficial secured approval process, highlighting its differences from standard pre-approval methods. They provide insights into the relationship between pre-qualified 🥉, pre-approved🥈, and the secured approval🥇, examining what each bring to the table. If you're a real estate agent striving to obtain more accepted offers 🤝 or a borrower seeking to navigate the process more effectively 🤔, this episode provides invaluable information.
In this podcast, Joe and our very special guest, Garrett Bell, the broker/owner and founder of Denovo Realty, explore the critical questions real estate agents MUST be asking of their brokerages 🙋🏻♀️🙋🙋♂️. Whether you're a brand new agent seeking a starting point or a seasoned industry veteran considering a switch, this podcast provides the answers you need to choose the ideal brokerage based on your personal expertise and mindset. 🤗
In this podcast, Nick and Joe outline crucial steps for sales professionals to prospect effectively. They delve into strategies for maximizing the productivity of every minute spent on the phone📲. Whether you're a real estate agent🏡, loan officer🏦, or any salesperson🧾 struggling with self-generating leads, maintaining conversations, or staying focused on prospecting, this episode offers actionable insights to implement immediately. ⏰
In this episode, we had very special guest Terry Henderson! Together, Joe and Terry delved into the intricacies of the real estate agent / loan officer relationship 🤝.Their detailed conversation explored the value of this partnership from all angles, highlighting not only the mutual advantages for both professionals 👔 but, crucially, the overwhelming benefits it brings to the client 👨👩👧👦😊.
Key Takeaways:
-
Client Multiplier Effect
-
The Symbiotic Relationship
-
What does a good relationship look like?
-
Why is it in the Real Estate Agent's best interest?
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How To Refer Clients
In this conversation, Nick and Joe share their expertise on dealing with the dreaded low appraisal. Tune in to explore the 4 options for overcoming the common challenge of undervalued properties 🏚️. If you're facing appraisal challenges, this video is a must-watch for practical advice and actionable tips. ✅Connect with one of our Mortgage Loan Originators: https://morganfinancial.net/about/meet-the-team/Start a Loan Application: https://mymortgage.morganfinancial.net/homehub/loginConnect with us at Morgan Financial:Call: 321-757-3570Instagram: https://www.instagram.com/morgan.financialFacebook: https://www.facebook.com/morganfinancialTikTok: https://www.tiktok.com/@morganfinancial321X: https://www.twitter.com/morganfinancialLinkedIn: https://www.linkedin.com/company/morgan-financial-melbourne-fl/Blog: https://morganfinancial.net/blog/Morgan FinancialResidential Mortgage LenderEqual Housing LenderNMLS ID: 318525321-757-3570www.morganfinancial.net1441 N. Harbor City Blvd. Melbourne, FL 32935
Today, Nick and Joe explore the counterarguments against home ownership. While there are great points to be made on both sides, we explore how acquiring a property not only secures you a living space 🏡, but also serves as a valuable investment 📈, providing the opportunity to build long-term wealth 💵Here's a sneak peek of the discussion!- Renting Vs. Owning- Landlords- 2008 Housing Market, what happened?- Mortgage Insurance (PMI)Connect with one of our Mortgage Loan Originators: https://morganfinancial.net/about/meet-the-team/Start a Loan Application: https://mymortgage.morganfinancial.net/homehub/loginConnect with us at Morgan Financial:Call: 321-757-3570Instagram: https://www.instagram.com/morgan.financialFacebook: https://www.facebook.com/morganfinancialTikTok: https://www.tiktok.com/@morganfinancial321X: https://www.twitter.com/morganfinancialLinkedIn: https://www.linkedin.com/company/morgan-financial-melbourne-fl/Blog: https://morganfinancial.net/blog/Morgan FinancialResidential Mortgage LenderEqual Housing LenderNMLS ID: 318525321-757-3570www.morganfinancial.net1441 N. Harbor City Blvd. Melbourne, FL 32935
Today Nick and Joe discuss the awesome product of a VA IRRRL. If you're a veteran looking to refinance, the IRRRL might be a perfect fit for you. Learn about how it simplifies the process, and gives you the path of least resistance for dropping your rate!Here's a sneak peek:- What is a VA IRRRL?- What qualification are required?- How does this benefit the borrower?- When would this product not be the right fit?- Who should be currently looking at the VA IRRRL NOW?Connect with one of our Mortgage Loan Originators: https://morganfinancial.net/about/meet-the-team/Start a Loan Application: https://mymortgage.morganfinancial.net/homehub/loginConnect with us at Morgan Financial:Call: 321-757-3570Instagram: https://www.instagram.com/morgan.financialFacebook: https://www.facebook.com/morganfinancialTikTok: https://www.tiktok.com/@morganfinancial321X: https://www.twitter.com/morganfinancialLinkedIn: https://www.linkedin.com/company/morgan-financial-melbourne-fl/Blog: https://morganfinancial.net/blog/Morgan FinancialResidential Mortgage LenderEqual Housing LenderNMLS ID: 318525321-757-3570www.morganfinancial.net1441 N. Harbor City Blvd. Melbourne, FL 32935
Routines are vital for keeping a happy, healthy, and productive life. In this episode, Nick and Joe discuss what it takes to get to where you want to go. The most successful people in the world did thing differently!
Connect with one of our Mortgage Loan Originators: https://morganfinancial.net/about/meet-the-team/Start a Loan Application: https://mymortgage.morganfinancial.net/homehub/loginConnect with Joe Harris at Morgan Financial:NMLS: 322991Call: 321-757-3570Instagram: https://www.instagram.com/morgan.financial/LinkedIn: https://www.linkedin.com/company/morgan-financial-melbourne-fl/Facebook: https://www.facebook.com/morganfinancial/Blog: https://morganfinancial.net/blog/Morgan FinancialResidential Mortgage LenderEqual Housing LenderNMLS ID: 318525321-757-3570www.morganfinancial.net1441 N. Harbor City Blvd. Melbourne, FL 32935
Goal setting is imperative to success. In this episode, Joe has a special guest, Nick Morgan, and they dive into the ways to make your goals a reality in 2024.
Connect with one of our Mortgage Loan Originators: https://morganfinancial.net/about/meet-the-team/Start a Loan Application: https://mymortgage.morganfinancial.net/homehub/loginConnect with Joe Harris at Morgan Financial:NMLS: 322991Call: 321-757-3570Instagram: https://www.instagram.com/morgan.financial/LinkedIn: https://www.linkedin.com/company/morgan-financial-melbourne-fl/Facebook: https://www.facebook.com/morganfinancial/Blog: https://morganfinancial.net/blog/Morgan FinancialResidential Mortgage LenderEqual Housing LenderNMLS ID: 318525321-757-3570www.morganfinancial.net1441 N. Harbor City Blvd. Melbourne, FL 32935
Get ready for a quick dive into some of the lowest Down Payment Mortgage products (*if you’re not a Veteran) with our latest podcast episode, focusing on the 3% down payment conventional loan product.
Host Joe Harris is joined by Mary Cables, Mortgage Loan Originator at Morgan Financial. Here's a sneak peek:
- Do you need 20% down to buy a home?
- Maximum Loan Amounts for FHA and Conventional Loans?
- Minimum Credit Score for 3% Down Conventional Mortgage?
- How Does Mortgage Insurance differ for Conventional vs. FHA loans?
Hit play now for a bite-sized episode packed with questions and answers that will empower you on your home financing journey! 🏡🔑
Related Morgan Financial Blog Post:
“Breaking Down Minimum Down Payments: FHA, USDA, and Conventional Loans"
Connect with Mary Cables at Morgan Financial:
Call OR Text: 321-417-0271
Email: mary@morganfinancial.net
Start a Loan Application with Mary: https://mymortgage.morganfinancial.net/homehub/signup/mary@morganfinancial.net?from_mobile_share=true
Instagram: @maryblisscables
Mary on LinkedIn
NMLS ID : 1684545
Connect with Joe Harris at Morgan Financial:
Call: 321-757-3570
Instagram: @morgan.financial
Morgan Financial
Residential Mortgage Lender
Equal Housing Lender
NMLS ID: 318525
321-757-3570
www.morganfinancial.net
1441 N. Harbor City Blvd. Melbourne, FL 32935
Joe & Lindsay recap 2023 achievements and lookahead to 2024 predictions and surprises.
What do you think Morgan Financial has in store for 2024?
Sign Up for Keeping Your Business On Track (KYBOT) in class presentation:
-Topic: Unlocking Efficiency: ChatGPT Basics for Real Estate Professionals-Date: Tuesday, January 16, 2024-Time: 11:00am-Location: Morgan Financial in the Atrium, 1441 N. Harbor City Blvd. Melbourne, FL 32935
-Lunch Sponsor: Supreme Title
*RSVP on Eventbrite RequiredRSVP Link: https://chatgptforrealestateagents.eventbrite.com/
Related Morgan Financial Blog Post:
“The Benefits of Working With A Local Mortgage Lender”
Connect with one of our Mortgage Loan Originators: https://morganfinancial.net/about/meet-the-team/Start a Loan Application: https://mymortgage.morganfinancial.net/homehub/login
Connect with Lindsay Clark at Morgan Financial:
Email: lindsay@morganfinancial.net
Instagram: @lindsayblagriffclark
Call or Text: 321-351-5514
Connect with Joe Harris at Morgan Financial:
Instagram: https://www.instagram.com/morgan.financial/
LinkedIn: https://www.linkedin.com/company/morgan-financial-melbourne-fl/
Facebook: https://www.facebook.com/morganfinancial/
Blog: https://morganfinancial.net/blog/
NMLS ID: 322991
Morgan Financial
Residential Mortgage Lender
Equal Housing Lender
NMLS ID: 318525
321-757-3570
www.morganfinancial.net
1441 N. Harbor City Blvd. Melbourne, FL 32935
Join Joe Harris, COO, and Ashley Schnetzer, Controller, at Morgan Financial as they dissect the latest December 13, 2023 FOMC (Federal Open Market Committee) announcement's impact on mortgages and real estate! 📈🏡
In this episode:
-
Insightful analysis of the FOMC decision NOT to raise rates
-
What is the Dot Plot?
-
Is the door open or closed for future rate hikes?
Get ahead in the financial landscape! 🌟 Subscribe for expert insights and stay updated with Morgan Financial's podcast. Don't miss this breakdown—tune in now! 🎙️✨
Latest Morgan Financial Blog Post:
"The 10 Mortgage Commandments of Mortgage Lending – Mistakes to Avoid":
https://morganfinancial.net/10-mistakes-avoid-buying-home-mortgage-commandments/
Connect with one of our Mortgage Loan Originators:
https://morganfinancial.net/about/meet-the-team/
Start a Loan Application:
https://mymortgage.morganfinancial.net/homehub/login
Connect with Joe Harris at Morgan Financial:
Call: 321-757-3570
Instagram: https://www.instagram.com/morgan.financial/
LinkedIn: https://www.linkedin.com/company/morgan-financial-melbourne-fl/
Facebook: https://www.facebook.com/morganfinancial/
Blog: https://morganfinancial.net/blog/
Morgan Financial
Residential Mortgage Lender
Equal Housing Lender
NMLS ID: 318525
321-757-3570
www.morganfinancial.net
1441 N. Harbor City Blvd. Melbourne, FL 32935
Welcome to this week's podcast episode of Keeping Your Real Estate Business On Track! In this episode, we tackle a recent challenge faced by real estate professionals - the risk of losing your commission when clients are enticed by lenders to switch agents.
Join host Joe Harris & Shannon Edwards, Mortgage Loan Originator, as they share what they've observed in the market lately with a specific Veteran focused lender. Ensure you remain the go-to agent for your clients, even when lenders come knocking with tempting offers.
📌 Don't let your commission slip away – tune in now to equip yourself with the tools to thrive in the ever-evolving real estate landscape!
Connect with Shannon Edwards at Morgan Financial:Phone: 321-417-0260Email: shannon@morganfinancial.netLinkedIn: https://www.linkedin.com/in/shannon-edwards-b2004023/Instagram: @redheadmama321Facebook: https://www.facebook.com/shannon.edwards.redShannon Edwards NMLS # 996628Start a Loan Application with Shannon: https://mymortgage.morganfinancial.net/homehub/signup/shannon@morganfinancial.net?from_mobile_share=trueConnect with Joe Harris at Morgan Financial:Call: 321-757-3570Instagram: https://www.instagram.com/morgan.financial/LinkedIn: https://www.linkedin.com/company/morgan-financial-melbourne-fl/Facebook: https://www.facebook.com/morganfinancial/Blog: https://morganfinancial.net/blog/Morgan FinancialResidential Mortgage LenderEqual Housing LenderNMLS ID: 318525321-757-3570www.morganfinancial.net1441 N. Harbor City Blvd. Melbourne, FL 32935
🏡✨ Unveiling 2024 Conforming Loan Limits! 📈💰Welcome to our latest podcast episode for Keeping Your Business On Track, where Joe Harris unveils the 2024 Conforming Loan Limits! 🎉🏠 Ever wondered why the conforming loan limit matters? We've got all the answers you need!📅 𝗤𝘂𝗲𝘀𝘁𝗶𝗼𝗻𝘀 𝗔𝗻𝘀𝘄𝗲𝗿𝗲𝗱 𝗜𝗻 𝘁𝗵𝗶𝘀 𝗩𝗶𝗱𝗲𝗼:1️⃣ Why does the conforming loan limit matter? 💸2️⃣ How often does it change, and why does it change? 🔄3️⃣ What is the conforming loan limit for 2024? 🤔4️⃣ What does the new limit mean for average home prices? 🏡5️⃣ Does waiting for interest rates to go down make sense? ⏰Join us as we break down these essential questions, providing you with insights into the dynamics of the real estate market and helping you make informed decisions! 🤓 Don't miss out – hit that play button, like, share, and subscribe for more updates on the ever-evolving world of homeownership and mortgages! Connect with one of our Mortgage Loan Originators: https://morganfinancial.net/about/meet-the-team/Start a Loan Application: https://mymortgage.morganfinancial.net/homehub/loginConnect with Joe Harris at Morgan Financial:Call: 321-757-3570Instagram: https://www.instagram.com/morgan.financial/LinkedIn: https://www.linkedin.com/company/morgan-financial-melbourne-fl/Facebook: https://www.facebook.com/morganfinancial/Blog: https://morganfinancial.net/blog/Morgan FinancialResidential Mortgage LenderEqual Housing LenderNMLS ID: 318525321-757-3570www.morganfinancial.net1441 N. Harbor City Blvd. Melbourne, FL 32935#RealEstate2024 #ConformingLoanLimits #HomeownershipInsights
Welcome back, folks! Get ready to supercharge your business with the return of KYBOT - Keeping Your Business On Track! Our in-person trainings are meticulously crafted to arm you with the knowledge and tools needed for substantial business growth and providing exceptional service to your clients. We
🌐 Topic: Charting Your Course: Goal Driven Success for Real Estate Agents in 2024
In this engaging class, we'll delve into the essentials:
-
📋 Why having a plan is non-negotiable
-
🔍 The secret sauce in knowing your numbers
-
🚀 3 actionable steps to achieve your goals
-
📊 Tips for effectively measuring and tracking your performance
📍 Location: Join us at 1441 N. Harbor City Blvd., Melbourne, FL 32935.
📅 Time: Save the date - December 12th, 2023, from 11 am to 1 pm. And yes, lunch is provided, sponsored by Bella Title!
Don't miss out on this golden opportunity to chart your course towards a wildly successful 2024 in real estate. Secure your spot now by registering on Eventbrite - seats are limited!
🎟️ Reserve your spot on Eventbrite: [Eventbrite Link]
Also, stay connected through our Facebook Event Page
Got burning questions about KYBOT? Reach out to Lindsay:
📧 Email: lindsay@morganfinancial.net
📸 Instagram: @lindsayblagriffclark
Connect with Morgan Financial:
📞 Call: 321-757-3570
📸 Instagram: [Morgan Financial Instagram]
🔗 LinkedIn: [Morgan Financial LinkedIn]
📘 Facebook: [Morgan Financial Facebook]
💼 Blog: [Morgan Financial Blog]
Morgan Financial - Your go-to Residential Mortgage Lender:
🏠 Equal Housing Lender
🆔 NMLS ID: 318525
📞 Contact: 321-757-3570
🌐 Website: [www.morganfinancial.net]
📍 Address: 1441 N. Harbor City Blvd. Melbourne, FL 32935
Get ready to elevate your real estate game with KYBOT! See you there! 🚀 #KYBOT #RealEstateSuccess #BusinessTraining #GoalDriven #KnowledgeAndTools #ChartYourCourse
🔍 Ever wondered which mortgage loan is the easiest to get approved for? Let's uncover the truth! 📝💼
In this video, we're breaking down the myth of an "easy" mortgage and exploring the crucial factors that determine loan approval.
Remember, a BAD Mortgage Lender can make an EASY loan HARD in the same way that a GOOD Mortgage Lender can make a HARD loan EASY. Choose wisely.
Join us as we dive into:
🏠 Different Types of Mortgage Loans:
- FHA, VA, Conventional, USDA: What situations make one better than another
📄 Documentation & Eligibility Criteria:
- Sometimes having more money/capital and income streams makes the process seem harder because more documentation is needed to verify all the income sources.
💪 Factors Influencing Approval:
- Credit scores, income stability, debt-to-income ratio—how do they affect your chances? For example: If you have a high debt-to-income(DTI) ratio, FHA might be for you.
💡 Real Insights for Informed Decisions:
- The role a processor plays in gathering documentation can make the process easier or harder for you. If the processor is able to gather documentation on your behalf from 3rd parties instead of making you do all the legwork, the process will seem easier to you (hence finding the right lender who cares about and values the borrowers time)
Remember, the ease or difficulty of mortgage approval isn't set in stone—it's about understanding what's needed and meeting those requirements, a good lender will do everything in their power to help you get approved if you meet the guidelines.🌟🔑
Connect with one of our Mortgage Loan Originators:
https://morganfinancial.net/about/meet-the-team/
Start a Loan Application:
https://mymortgage.morganfinancial.net/homehub/login
Connect with Joe Harris at Morgan Financial:
Call: 321-757-3570
Instagram: @Morgan.Financial
LinkedIn: https://www.linkedin.com/company/morgan-financial-melbourne-fl/
Facebook: https://www.facebook.com/morganfinancial/
Blog: https://morganfinancial.net/blog/
Morgan Financial
Residential Mortgage Lender
Equal Housing Lender
NMLS ID: 318525
321-757-3570
www.morganfinancial.net
1441 N. Harbor City Blvd. Melbourne, FL 32935
mortgageloans #homefinancing #easiestmortgageapproval #FHAloans #VAloans #conventionalloans #USDAl oans #mortgageeligibility #loandocumentation #creditscores #debttoincomeratio #homebuyingtips #realestatefinance #mortgageapprovalfactors #understandingmortgages #homeownershipguidance #loanapplicationsupport #loanapprovalcriteria #mortgagemyths #loaninsights #mortgagedecisions
Join Joe Harris, COO, and Ashley Schnetzer, Controller, at Morgan Financial as they dissect the latest November 1, 2023 FOMC (Federal Open Market Committee) announcement's impact on mortgages and real estate! 📈🏡In this episode:- Insightful analysis of the FOMC decision not to raise rates- Discussions on short and long-term effects on the industry- Is the world coming to an end!?- Predictions on where the market is going Get ahead in the financial landscape! 🌟 Subscribe for expert insights and stay updated with Morgan Financial's podcast. Don't miss this breakdown—tune in now! 🎙️✨Connect with one of our Mortgage Loan Originators: https://morganfinancial.net/about/meet-the-team/Start a Loan Application: https://mymortgage.morganfinancial.net/homehub/loginConnect with Joe Harris at Morgan Financial:Call: 321-757-3570Instagram: @Morgan.FinancialLinkedIn: https://www.linkedin.com/company/morgan-financial-melbourne-fl/Facebook: https://www.facebook.com/morganfinancial/Blog: https://morganfinancial.net/blog/Morgan FinancialResidential Mortgage LenderEqual Housing LenderNMLS ID: 318525321-757-3570www.morganfinancial.net1441 N. Harbor City Blvd. Melbourne, FL 32935
🔍 Looking for the inside scoop on 2-1 buydowns? You're in the right place! 🔍
In this eye-opening podcast, we reveal the unspoken truths about 2-1 buydowns that your lender usually keeps hidden. Stay tuned until the end to uncover all the essential details you need to know.
🤔 Curious about 2-1 buydowns? 🤔
📌 What is a 2-1 buydown?
📌 How much does it cost?
📌 Who foots the bill? Can sellers pay for them?
📌 Can you take advantage of 2-1 buydowns?
📌 What are the perks for borrowers?
📌 What if interest rates don't drop as expected?
📌 Who's behind the push for 2-1 buydowns?
Don't miss out on this essential knowledge.
Subscribe now, hit the notification bell, so you and your client can make informed decisions about 2-1 buydowns. 🎥💰💡
Connect with one of our Mortgage Loan Originators:
https://morganfinancial.net/about/meet-the-team/
Start a Loan Application:
https://mymortgage.morganfinancial.net/homehub/login
Connect with Joe Harris at Morgan Financial:
Call: 321-757-3570
Instagram: @Morgan.Financial
LinkedIn: https://www.linkedin.com/in/joeharris321/
Facebook: https://www.facebook.com/morganfinancial/
Blog: https://morganfinancial.net/blog/
Morgan Financial
Residential Mortgage Lender
Equal Housing Lender
NMLS ID: 318525
321-757-3570
www.morganfinancial.net
1441 N. Harbor City Blvd. Melbourne, FL 32935
Get ready to be captivated by an incredible real-life story that showcases the transformative power of Mary Cables’ expertise and dedication to helping families achieve their homeownership dreams.
Mary shares a heartwarming narrative about a family facing a daunting challenge – the imminent arrival of twins in their small, two-bedroom condo. Fearing they couldn't afford a larger home and a potentially higher interest rate, the family was stuck in a seemingly impossible situation.
Tune in to discover how Mary Cables came to the rescue, guiding the family through a remarkable journey of financial transformation. With her expert knowledge and innovative strategies, Mary helped them eliminate debt, harness the equity in their current home, and secure a spacious new house. What's even more remarkable is that, thanks to Mary's guidance, the family's monthly expenses turned out to be lower than before!
This podcast episode is a testament to the incredible impact a mortgage professional like Mary Cables can have on people's lives. It's a story of hope, resilience, and the unwavering commitment to helping families achieve their homeownership dreams.
Don't miss this inspiring episode – it's a must-listen for anyone who is curious about mortgage magic at its finest. Subscribe, like, and share to spread the word!
Connect with Mary Cables at Morgan Financial:
Phone: 321-417-0271
Email: mary@morganfinancial.net
Start a Loan Application with Mary: https://mymortgage.morganfinancial.net/homehub/signup/mary@morganfinancial.net?from_mobile_share=true
Instagram: @maryblisscables
LinkedIn: https://www.linkedin.com/in/mary-cables-b53a15149
NMLS ID : 1684545
Connect with Joe Harris at Morgan Financial:
Call: 321-757-3570
Instagram: @Morgan.Financial
LinkedIn: https://www.linkedin.com/in/joeharris321/
Facebook: https://www.facebook.com/morganfinancial/
Blog: https://morganfinancial.net/blog/
Morgan Financial
Residential Mortgage Lender
Equal Housing Lender
NMLS ID: 318525
321-757-3570
www.morganfinancial.net
1441 N. Harbor City Blvd. Melbourne, FL 32935
🎙️ Host: Joe Harris (Chief Operating Officer, Morgan Financial)👥 Guest: Suzanne Haughwought (Sales Manager, Viera Builders)In this episode, Joe and Suzy shed light on how realtors can create a winning partnership with a successful local builder. Viera Builders is a name that stands out, ranked as the #8 master planned community in the US among the top 10. But this video will help any real estate agent who wants to tap into the New Construction Market. Timestamps:00:37 - The Beginnings of Viera Builders02:33 - Why so many retirees were moving to the area?03:12 - Master Plan & Current Status Update05:17 - #8 Ranked Master Planned Community in the US07:02 - Traditional Single Family vs. Lifestyle Community w/Courtyard08:41 - Working with a Sales Manager in Viera's Communities09:16 - % of Viera Builders Business where the buyer uses their own Agent11:14 - 45 Day Contingency 12:07 - Online Lenders - Won't get deposit $$$ back13:52 - 'Fully Vetted Buyer' meaning16:00 - Build me a Lamborghini17:11 - Why Realtors should want Local Lenders for their buyers18:35 - Construction to Perm Loan vs. End Loan19:23 - Interest Rates a year in the future21:15 - Rethinking when you'll get paid for RealtorsDon't miss this engaging conversation - watch now! 🎬 Don't forget to like and subscribe, there's a new episode every Wednesday morning! Connect with one of our Mortgage Loan Originators: https://morganfinancial.net/about/mee...Start a Loan Application: https://mymortgage.morganfinancial.ne...Connect with Suzy at Viera Builders: Email: suzanne.haughwout@vierabuilders.comCall: (321) 302-9603LinkedIn: https://www.linkedin.com/in/shaughwout/ Instagram: @vierabuildersViera Builders Website: https://www.vierabuilders.comVisit Model Home at Reeling Park: https://maps.app.goo.gl/SjUnanrUzid2t...Location: 2216 Addison Dr, Melbourne, FL 32940Start a Loan Application: https://mymortgage.morganfinancial.ne...Connect with a Mortgage Loan Originator: https://morganfinancial.net/about/mee...Connect with Joe Harris at Morgan Financial:Instagram: @Morgan.FinancialLinkedIn: https://www.linkedin.com/in/joeharris...Facebook: https://www.facebook.com/morganfinanc...Blog: https://morganfinancial.net/blog/Morgan FinancialResidential Mortgage LenderEqual Housing LenderNMLS ID: 318525321-757-3570www.morganfinancial.net1441 N. Harbor City Blvd. Melbourne, FL 32935
Have you ever wondered what Joe Harris actually does at Morgan Financial? Wait until the end (11:27) to hear how he spends his days when he's not filming podcast episodes. In this episode, Joe Harris & Lindsay Clark discuss who makes the magic happen at Mortgage Lender. Whether it's behind the scenes or the 'face' of the company, we all make it work to close on your loan. Discover the crucial roles and gain a clearer understanding of how these professionals impact your real estate transactions. Timestamps:00:29 - Mortgage Loan Originator aka Loan Officer01:44 - Make sure your Mortgage Loan Originator is legit02:21 - Loan Officer Assistant aka Mortgage Loan Originator Assistant03:13 - Processor03:59 - Underwriter 05:12 - Lender vs. Broker vs. Bank06:28 - Closer06:59 - Funding at the Closing Table09:06 - Brief Overview/Recap11:27 - Joe Harris' RoleNMLS ID Search: www.consumeraccess.orgConnect with one of our Mortgage Loan Originators: https://morganfinancial.net/about/meet-the-team/Start a Loan Application: https://mymortgage.morganfinancial.net/homehub/loginConnect with Lindsay Clark at Morgan Financial: Email: lindsay@morganfinancial.netInstagram: @lindsayblagriffclarkCall or TEXT: 321-351-5514NMLS ID: 1895767Connect with Joe Harris at Morgan Financial:Call: 321-757-3570Instagram: @Morgan.FinancialLinkedIn: https://www.linkedin.com/in/joeharris321/Facebook: https://www.facebook.com/morganfinancial/Blog: https://morganfinancial.net/blog/NMLS ID: 322991Morgan FinancialResidential Mortgage LenderEqual Housing LenderNMLS ID: 318525321-757-3570www.morganfinancial.net1441 N. Harbor City Blvd. Melbourne, FL 32935
In this episode that’s all bout Interest Rates, Joe and Nick address what has quickly become the "elephant in the room" everyone is talking about. Join us as we demystify the world of interest rates, exploring what's driving them up, how they affect your finances, and most importantly, what you can do to make the best decision with the information that we all have, without relying on ‘future-telling’ information that leaves you gambling.
Whether you’re a real estate agent trying to learn how best to communicate with potential buyers and sellers regarding their concerns over interest rates or a borrower who wants to learn more about what determines what interest rate you’re quoted, this podcast is super informative. Watch it twice if you have to, we know it’s a complex topic, but well worth it to become somewhat knowledgeable about the topic for your personal or professional growth.
Don't let the elephant in the room go unnoticed. Tune in now and gain the knowledge you need to thrive in today's high-interest rate environment. Like, share, and subscribe to stay informed about all things real estate and mortgage! 🔔 New episode released every Wednesday morning!
📈 Timestamps:
00:00 - Introduction
01:25 - What are the Rates right now? Read the FINE print
03:47 - How quickly does the Bond Market change?
6:40 - Where do closed loans/mortgages go after they leave the initial lender?
8:28 - Can you compare Interest Rate Quotes from different lenders on different days?
10:17 - Does a Mortgage Loan Originator get paid more or less based on the Interest Rate?
14:38 - How much does paying a Discount Point get you in terms of a lower rate?
17:00 - When is the time to Lock in the Interest Rate?
23:58 - Conclusion and Key Takeaways
Start a Loan Application: https://mymortgage.morganfinancial.net/homehub/login
Connect with Joe Harris at Morgan Financial:
Instagram: @Morgan.Financial
LinkedIn: https://www.linkedin.com/in/joeharris321/
Facebook: https://www.facebook.com/morganfinancial/
Blog: https://morganfinancial.net/blog/
Morgan Financial
Residential Mortgage Lender
Equal Housing Lender
NMLS ID: 318525
321-757-3570
www.morganfinancial.net
1441 N. Harbor City Blvd. Melbourne, FL 32935
Joe Harris & Rick Townsend from Morgan Financial reveal a surprising truth: waiting for interest rates to decrease might not necessarily lead to more affordable homeownership. 💡
Are you a real estate agent striving to guide your clients toward the best decision? Or perhaps you're a prospective homebuyer eager to make a savvy investment? 🏠 Either way, you won't want to miss this discussion.
📈 We're exploring the fascinating dynamic between interest rates and sales prices in the real estate market. Many buyers often grapple with the question: "Should I wait for interest rates to drop before buying my dream home?" 💰
Join us as we uncover:
✅ The crucial relationship between interest rates and sales prices
✅ How home prices are continuing to rise in certain areas of the country
✅ What the Federal Reserve stated in their most recent announcement regarding rates
✅ What will happen with the pent up demand since everyone is waiting to buy
Whether you're a seasoned real estate agent or a prospective homeowner, understanding the intricate dance between interest rates and sales prices is paramount to making a sound investment decision. 📊
Hit that "Subscribe" button, click the notification bell for more mortgage and real estate related topics. 🔔 New episode released every Wednesday morning!
Connect with Rick Townsend at Morgan Financial:
Text or Call: 321-417-0268
Email: Rick@morganfinancial.net
Start a Loan Application
NMLS #: 562893
Connect with Joe Harris at Morgan Financial:
Instagram: @Morgan.Financial
Blog
Morgan Financial
Residential Mortgage Lender
Equal Housing Lender
NMLS ID: 318525
321-757-3570
www.morganfinancial.net
1441 N. Harbor City Blvd. Melbourne, FL 32935
Joe Harris hasn’t just spent the past 15 years at Morgan Financial as the Chief Operating Officer, he also has a degree in Economics and daily watches the market closely and has a deep understanding of the financial markets. In this podcast Joe will explain to Nick from our Operations Department, the fundamental role that the Federal Reserve (aka The Fed) plays in shaping the financial markets and why it affects interest rates. As we drop this video, the Federal Reserve is making an announcement about whether or not there will a 12th consecutive rate hike, which is unprecedented in 40 years. While a staggering 97% of investors have a particular outlook already baked into the market, Joe makes a bold prediction that challenges the consensus. Subscribe now for more mortgage and real estate related topics!Connect with Joe Harris at Morgan Financial:Instagram: @Morgan.FinancialLinkedIn: https://www.linkedin.com/in/joeharris321/Facebook: https://www.facebook.com/morganfinancial/Morgan FinancialResidential Mortgage LenderEqual Housing LenderNMLS ID: 318525321-757-3570www.morganfinancial.net1441 N. Harbor City Blvd. Melbourne, FL 32935
In this eye-opening video, Joe Harris explains the coveted Property Inspection Waivers (PIW), also known as Appraisal Waivers. There are some brand new things out there including a Property Data Report (PDR) and lenders and appraisers alike are learning how to navigate these together to meet the requirements of investors and GSEs like Fannie Mae & Freddie Mac.
Key Discussion Points: * What Are Property Inspection Waivers (PIW) or Appraisal Waivers? * When or Why Might a PIW Go Away? * Qualifying for a PIW: What Makes a Property Eligible? * Appraisers and Property Data Reports: Why They Still Matter
Stay informed, make informed decisions, and stay ahead in the ever-changing world of real estate and mortgage lending! Don't forget to like, share, and subscribe for more insightful content.
If you’re a real estate agent hoping to work with Morgan Financial, feel free to reach out to Lindsay and she can help connect you with the best Mortgage Loan Originator to meet your needs!
Connect with Lindsay Clark at Morgan Financial: Instagram: @lindsayblagriffclark Facebook: https://www.facebook.com/profile.php?id=5213807 LinkedIn: https://www.linkedin.com/in/lindsay-blagriff-clark-0743877/ Email: lindsay@morganfinancial.net Call or Text: 321.730.2669
Connect with Joe Harris at Morgan Financial: Instagram: @Morgan.Financial LinkedIn: https://www.linkedin.com/in/joeharris321/ Facebook: https://www.facebook.com/morganfinancial/
Morgan Financial Residential Mortgage Lender Equal Housing Lender NMLS ID: 318525 321-757-3570 www.morganfinancial.net 1441 N. Harbor City Blvd. Melbourne, FL 32935
Even if you've used a VA Loan before, you may not be aware of this significant shift. We're here to break it down for you. 🔑
Here's what we'll explore:
🔍 The 2020 shift: Learn how the VA Loan landscape has evolved and why there's no longer a maximum loan amount.
🏠 Real success stories: Hear from Scott who has helped veterans harness this newfound knowledge to secure their dream homes.
Don't let outdated information hold you back! Hit that subscribe button, give us a thumbs up, and turn on notifications to stay informed about essential updates in the world of VA Home Loans.
Whether you're a veteran or you know someone who is, share this podcast episode to empower others. Your dream home is within reach! 🏠🔑💪
Connect with Scott Dunn at Morgan Financial:
NMLS # 1448245
Phone: 321-722-7513
Email: scott@morganfinancial.net
Connect with Joe Harris at Morgan Financial:
Instagram: @Morgan.Financial
LinkedIn: https://www.linkedin.com/in/joeharris321/
Facebook: https://www.facebook.com/morganfinancial/
Morgan Financial
Residential Mortgage Lender
Equal Housing Lender
NMLS ID: 318525
321-757-3570
www.morganfinancial.net
1441 N. Harbor City Blvd. Melbourne, FL 32935
In the latest episode of our podcast, we're tackling a crucial topic that you might've never thought about. Imagine you're under contract for a home, all while a hurricane warning looms large. 🏠🌀Maybe your closing date is scheduled on or just after the date of predicted landfall.
Join us as we break down the "Top 4 Essential Tips" that can be a game-changer for anyone caught in this nerve-wracking situation. From navigating the complexities of re-inspections or extensions, we've got you covered. 💪🌪️
Hit that play button and let's weather the storm together – both literally and figuratively! And if you find these tips helpful, don't forget to like, share, and subscribe for more mortgage insights. Stay safe and informed! 📢
Connect with Joe Harris, Chief Operating Officer at Morgan Financial:Instagram: @Morgan.FinancialLinkedIn: https://www.linkedin.com/in/joeharris321/Facebook: https://www.facebook.com/morganfinancial/Morgan FinancialResidential Mortgage LenderEqual Housing LenderNMLS ID: 318525321-757-3570www.morganfinancial.net1441 N. Harbor City Blvd. Melbourne, FL 32935
You're Clear to Close on your mortgage and you want to move up your closing date to be sooner than the date on the sales contract. At Morgan Financial we love to do this, but it's not as simple as just an addendum to the contract, and sometimes you don't even need one. Joe Harris & Shannon Edwards discuss all the nuances that happen behind the scenes when you or your client ask to move up the closing date
- 🧐What percentage YTD of their loans does Morgan Financial move up closings on?
- 🤝 The major players involved: it's not just buyer and seller, don't forget insurance agents, surveyors, title companies, processors, employers for verifications of employment, etc.
- 📞 The importance of effective communication between these players to ensure a seamless transition.
- 💡 Final Closing Disclosures must be signed 3 days before closing! Make sure you give the lender enough notice!
All this and more in this short 10 minute episode, be sure to share it with any of your current or future clients who are thinking about asking to move up their closing date. We love to accommodate these requests, we love QUICK CLOSE TIMES! 💙
Don't forget to LIKE, SHARE, and SUBSCRIBE for more mortgage insights!
Connect with Shannon Edwards at Morgan Financial: Phone: 321-417-0260 Email: shannon@morganfinancial.net Start a Loan Application with Shannon: https://mymortgage.morganfinancial.net/homehub/signup/shannon@morganfinancial.net?from_mobile_share=true LinkedIn: https://www.linkedin.com/in/shannon-edwards-b2004023/ Instagram: @redheadmama321 Facebook: https://www.facebook.com/shannon.edwards.red Shannon Edwards NMLS # 996628
Connect with Joe Harris at Morgan Financial: Instagram: @Morgan.Financial LinkedIn: https://www.linkedin.com/in/joeharris321/ Facebook: https://www.facebook.com/morganfinancial/
Morgan Financial Residential Mortgage Lender Equal Housing Lender NMLS ID: 318525 321-757-3570 www.morganfinancial.net 1441 N. Harbor City Blvd. Melbourne, FL 32935
Delve into the nuances of VA closing costs with the Chief Operating Officer of Morgan Financial and our top Mortgage Loan Originator, Mary Cables! This episode will cover:
✅ What exactly VA closing costs encompass
✅ Why do some lenders charge a 1% fee regardless of the loan amount
✅ What fees are dictated by the lender vs. a third party
✅ How does the 4% come into play
✅ Key details on what a veteran CAN'T pay for in a VA loan deal
✅ How to strategically use seller concessions to benefit both parties and close the deal
Don't forget to LIKE, SHARE, and SUBSCRIBE or FOLLOW for more mortgage insights for real estate agents!
Connect with Mary Cables at Morgan Financial:
Call or Text: 321-417-0271
Email: mary@morganfinancial.net
Start a Loan Application with Mary: https://mymortgage.morganfinancial.net/homehub/signup/mary@morganfinancial.net?from_mobile_share=true
Instagram: @maryblisscables
LinkedIn: https://www.linkedin.com/in/mary-cables-b53a15149/
Connect with Joe Harris at Morgan Financial:
Instagram: @Morgan.Financial
LinkedIn: https://www.linkedin.com/in/joeharris321/
Facebook: https://www.facebook.com/morganfinancial/
Connect & Subscribe to ‘Keeping Your Business on Track’:
YouTube: https://www.youtube.com/@morganfinancial1944/podcasts
Morgan Financial
Residential Mortgage Lender
Equal Housing Lender
NMLS ID: 318525
321-757-3570
www.morganfinancial.net
1441 N. Harbor City Blvd. Melbourne, FL 32935
In today's episode, Joe Harris, Chief Operating Officer of Morgan Financial is addressing a crucial question for homebuyers and real estate agents who represent them: 'Would you rather choose a lower purchase price or direct money towards closing costs?'
Picture this: you're on the brink of finalizing your home purchase, and you're offered a seemingly enticing lower purchase price, which could potentially save you about $45 per month. On the other hand, you have the option to put money towards closing costs and buy down the interest rate.
At first glance, this may seem less appealing, but our calculations show that this route could save you a whopping $192 per month! Make sure you're looking at the whole picture including principal and interest, not just the ticket price of the house.
The choice is of course always yours, but be sure to always check in with your trusted Mortgage Loan Originator (MLO) to make sure you know all of your options. Sometimes if you don't plan on staying in the home for too long, buying down the rate doesn't make sense, your MLO can help you calculate your recoupment time frame.
Don't forget to like, subscribe, and hit the notification bell, we post a new episode every Wednesday!
Connect with Joe Harris at Morgan Financial:
Instagram: @Morgan.Financial
LinkedIn: https://www.linkedin.com/in/joeharris321/
Facebook: https://www.facebook.com/morganfinancial/
Connect & Subscribe to ‘Keeping Your Business on Track’:
YouTube: https://www.youtube.com/@morganfinancial1944/podcasts
Morgan Financial
Residential Mortgage Lender
Equal Housing Lender
NMLS ID: 318525
321-757-3570
www.morganfinancial.net
1441 N. Harbor City Blvd. Melbourne, FL 32935
MortgageLender, #HomeBuyingGuide, #ClosingCosts, #PurchasePrice, #MortgageRates, #RealEstateInvestment, #BuyingDownRate, #LowerPurchasePrice, #HomebuyerEducation, #MortgageSavingTips, #FinancialDecisions, #MortgageExplained, #RealEstateMarket, #HomePurchase, #BuyingAHome, #FirstTimeHomeBuyer, #HomeOwnership, #MortgageAdvice, #RealEstateTips, #InterestRateReduction
Join Joe Harris, our Chief Operating Officer from Morgan Financial, as he dives deep into a comprehensive market update and provides his expert prediction on the future trajectory of interest rates.
In this episode, Joe further elaborates on the intriguing concept of 'Profit on the Folly' – an important principle that every investor and home buyer should be aware of. Whether you're a first time homebuyer or an experienced Real Estate Professional, this video is packed with insights that you don't want to miss.
Connect with Joe Harris at Morgan Financial:
Instagram: @Morgan.Financial
LinkedIn: https://www.linkedin.com/in/joeharris321/
Facebook: https://www.facebook.com/morganfinancial/
Connect & Subscribe to ‘Keeping Your Business on Track’:
YouTube: https://www.youtube.com/@morganfinancial1944/podcasts
Podcasters: https://podcasters.spotify.com/pod/show/kybot
Morgan Financial Residential Mortgage Lender Equal Housing Lender NMLS ID: 318525 321-757-3570 www.morganfinancial.net 1441 N. Harbor City Blvd. Melbourne, FL 32935
In this episode, Joe Harris is joined by Kellie Bowling with the Coastal Estate Team at Compass. Our expert guests discuss the time saving efficiencies and impact of AI-driven tools like ChatGPT, Canva, and Google Pay Per Click in real estate marketing and communication.
ChatGPT is a time saver in more ways than you can imagine, whether it be for creating listing descriptions or social media posts (including hashtags and emojis). It can help you get new ideas and you can talk to it like you’re talking to a marketing expert, as long as you are very specific in your requests.
Kellie has found that Google Pay Per Click advertising is a powerful tool can generate leads that actually convert, IF you put in the effort of hand holding, sometimes for as long as 2-3 years. It’s one of those things where you get out of it what you put into it.
Additionally, we explore the creative potential of Canva, a user-friendly graphic design platform that you don’t have to be an expert to use. Uncover the art of visually captivating and consistent content creation for your real estate marketing and social media presence.
Tune in now and stay ahead of the game, or at least pay attention to what your kids are using and be open minded to what new technologies can do to help build your real estate business.
Links Mentioned in Podcast:
Canva: https://www.canva.com/
ChatGPT: https://openai.com/
Google Pay-Per-Click: https://ads.google.com/home/goals/
https://ads.google.com/home/resources/articles/seo-vs-ppc/
Connect with Kellie Bowling:
Instagram: @kelliesoldit
Facebook: https://www.facebook.com/melbeachproperties
Compass Military Division: https://www.youtube.com/@compassmilitarydivision/featured
Connect with Coastal Estate Team at Compass:
Social Beaches Podcast on YouTube: https://www.youtube.com/@CoastalEstateTeam
Website: https://www.lifebythebeach.com/
Instagram: @coastalestateteam
Facebook: https://www.facebook.com/CoastalEstateTeam
Connect with Joe Harris at Morgan Financial:
Instagram: @Morgan.Financial
LinkedIn: https://www.linkedin.com/in/joeharris321/
Facebook: https://www.facebook.com/morganfinancial/
Connect & Subscribe to ‘Keeping Your Business on Track’:
YouTube: https://www.youtube.com/@morganfinancial1944/podcasts
Morgan Financial
Residential Mortgage Lender
Equal Housing Lender
NMLS ID: 318525
(321) 757-3570
https://morganfinancial.net/
1441 N. Harbor City Blvd. Melbourne, FL 32935
Has it been a while since you last interacted with some of your previous clients? Are you unsure about how to approach them again without seeming intrusive or pushy? Look no further! Joe Harris is joined by Johanna Bennett, Mortgage Loan Originator at Morgan Financial.
They will provide you with an easy script to help you revive those dormant relationships. And there's even some real-life success stories, as our guests share their personal experiences of reconnecting with long-lost clients and the positive outcomes that ensued.
Connect with Johanna Bennett at Morgan Financial: Email: johanna@morganfinancial.net Instagram: @_johanna_bennett_ LinkedIn: https://www.linkedin.com/in/johanna-bennett-3b6444192/
Connect with Joe Harris at Morgan Financial: Instagram: @Morgan.Financial LinkedIn: https://www.linkedin.com/in/joeharris321/ Facebook: https://www.facebook.com/morganfinancial/
Don't forget to follow so you don't miss an episode, there's a new one every Wednesday morning!
Morgan Financial Residential Mortgage Lender Equal Housing Lender NMLS ID: 318525 321-757-3570 www.morganfinancial.net 1441 N. Harbor City Blvd. Melbourne, FL 32935
Join Joe Harris and Jake Honadle from Morgan Financial and discover why referrals trump leads in the real estate industry. In this video, we explore the undeniable power of referrals and why they are a game-changer for real estate professionals.
Referrals come with built-in trust, as they stem from satisfied clients or trusted sources who recommend an agent. This personal connection establishes credibility and makes it easier to convert the referred person into a client. In contrast, leads generated through merely sharing a name and number often lack the same level of trust, making the conversion process more challenging.
Connect with Joe Harris at Morgan Financial:
Instagram: instagram.com/Morgan.Financial
LinkedIn: https://www.linkedin.com/in/joeharris321/
Facebook: https://www.facebook.com/morganfinancial/
Connect & Subscribe to ‘Keeping Your Business on Track’:
YouTube:https://www.youtube.com/@morganfinancial1944/podcasts
Podcasters: https://podcasters.spotify.com/pod/show/kybot
Morgan Financial
Residential Mortgage Lender
Equal Housing Lender
NMLS ID: 318525
(321) 757-3570
https://morganfinancial.net/
1441 N. Harbor City Blvd. Melbourne, FL 32935
Join Joe Harris and Lindsay Clark from Morgan Financial as we explore the nuances of the 1% down payment conventional mortgage. While we believe this is a great product for certain borrowers, we just want to put the numbers into perspective in terms of how they might play out for an average borrower attempting to purchase a home in Brevard County.
In this episode, we delve into the details of this mortgage option, highlighting its potential benefits while acknowledging its limited appeal. Joe breaks down the details of an actual mortgage payment scenario on the whiteboard so you can see what actually goes into making this product a viable option for a person, or not.
Subscribe for more information on mortgages and real estate!
Fannie Mae’s AMI lookup tool: https://ami-lookup-tool.fanniemae.com/amilookuptool/
Connect with Lindsay Clark at Morgan Financial:
Email: lindsay@morganfinancial.net
Instagram: @lindsayblagriffclark
Connect with Joe Harris at Morgan Financial:
Instagram: instagram.com/Morgan.Financial
LinkedIn: https://www.linkedin.com/company/morgan-financial-melbourne-fl/ *P.S., we’re hiring
Facebook: https://www.facebook.com/morganfinancial/
Connect & Subscribe to ‘Keeping Your Business on Track’:
YouTube:https://www.youtube.com/@morganfinancial1944/podcasts
Morgan Financial
Residential Mortgage Lender
Equal Housing Lender
NMLS ID: 318525
(321) 757-3570
https://morganfinancial.net/
1441 N. Harbor City Blvd. Melbourne, FL 32935
Host Joe Harris is joined by Peggy Page, Realtor with eXp and Nic Nazon, Mortgage Loan Originator with Morgan Financial. Peggy shares valuable insights about her journey in real estate to empower both aspiring and experienced realtors. Learn about what Peggy means when she says her goal this year is to 'get in the room.'
Discover how to unlock your full potential, set ambitious goals, and develop a winning mindset. Tune in and get motivated! Don't forget to subscribe and share if you liked the content!
Connect with Peggy Page at eXp:
Email: peggy.page@exprealty.com
Website: https://peggypage.exprealty.com/
Connect with Nic Nazon at Morgan Financial:
Email: nic@morganfinancial.net
Instagram: @nicolas.nazon
Connect with Joe Harris at Morgan Financial:
Instagram: @Morgan.Financial
LinkedIn: https://www.linkedin.com/company/morgan-financial-melbourne-fl/
Facebook: https://www.facebook.com/morganfinancial/
Morgan Financial
Residential Mortgage Lender
Equal Housing Lender
NMLS ID: 318525
321-757-3570
www.morganfinancial.net
1441 N. Harbor City Blvd. Melbourne, FL 32935
Join Joe Harris, a seasoned mortgage lender, and his special guest Tony Smith, from Chrinco Insurance, in as they delve into the current state of the insurance market in Florida. With their expertise in the finance and insurance industries, Joe and Tony provide insightful discussions on key topics affecting insurance such as litigation, reinsurance, and inflation.
Stay updated on the latest special sessions that impact insurance coverage and rates in the region. Tune in whether you're a prospective homebuyer wondering how insurance will affect your mortgage payment, or perhaps a real estate agent who wants to gain an understanding of the dynamics of the Florida market.
Subscribe for more information on mortgages and real estate!
Connect with Tony Smith at Chrinco:
Website: https://chrinco.com/
Phone: 321-757-4014
LinkedIn: https://www.linkedin.com/in/j1516
Connect with Joe Harris at Morgan Financial:
Instagram: instagram.com/Morgan.Financial
LinkedIn *P.S., we’re hiring : https://www.linkedin.com/company/morgan-financial-melbourne-fl/
Facebook: https://www.facebook.com/morganfinancial/
Morgan Financial
Residential Mortgage Lender
Equal Housing Lender
NMLS ID: 318525
(321) 757-3570
https://morganfinancial.net/
1441 N. Harbor City Blvd. Melbourne, FL 32935
currentstate #insurancemarket #Florida #mortgage #insuranceindustry #FloridaMarket #insurancetrends
Joe Harris is joined by Shannon Edwards, Mortgage Loan Originator at Morgan Financial.
Joe and Shannon discuss what we call the "Ten Commandments of Mortgage Lending."
These are ten things that you SHOULD NOT do during the process of obtaining a mortgage:
-
Changing jobs, become self-employed, or quit your job
-
Buying a new car
-
Excessive use of credit cards, or letting accounts fall behind
-
Spending money set aside for closing costs
-
Omitting debts or liabilities from your loan application
-
Buying new furniture
-
Originate any inquiries into your credit
-
Making large deposits without checking with your Loan Officer first
-
Changing bank accounts
-
Co-signing a loan for someone else
Connect with Shannon Edwards at Morgan Financial:
Instagram: @redheadmama321
LinkedIn: https://www.linkedin.com/in/shannon-edwards-b2004023/
Connect with Joe Harris at Morgan Financial:
Instagram: instagram.com/Morgan.Financial
LinkedIn: https://www.linkedin.com/company/morgan-financial-melbourne-fl/
Facebook: https://www.facebook.com/morganfinancial/
Website: https://www.morganfinancial.net
Morgan Financial Residential Mortgage Lender Equal Housing Lender NMLS ID: 318525 321-757-3570 www.morganfinancial.net 1441 N. Harbor City Blvd. Melbourne, FL 32935
mortgagemistakes #loanapplicationerrors #mortgagepitfalls #creditmistakes #debtmismanagement #incomemisrepresentation #falsedocumentation #misseddeadlines #undiscloseddebts #excessivespending #inadequatesavings #poorfinancialplanning #riskyborrowingbehavior #inflatedpropertyvaluation #interestratemismanagement #inadequateresearch #ignoringlenderrequirements #poorcommunication #lackofpreparation #fraudulentactivities #nondisclosureofliabilities
Joe is joined this week by Nicki Jenne, Director of Marketing at Prestige Title of Brevard. Nicki and Joe were the OG hosts of this podcast (link to the Episode 1 at the end screen of video) and we're so glad to have her back joining us sharing her expertise about brand awareness. This dynamic duo brings their extensive knowledge and industry expertise to the forefront as they dive into the world of business development through the lens of brand awareness.
We all know that brand awareness is important, but Nicki and Joe battle it out regarding which comes first, the chicken or the egg, or in this case: business or brand awareness? Let us know which you think comes first in the comments!
Connect with Nicki at Prestige Title: Instagram: https://www.instagram.com/prestigetitlebrevard/ Website: https://prestigeclosingsbrevard.com/
Connect with Joe Harris at Morgan Financial: Instagram: instagram.com/Morgan.Financial LinkedIn: https://www.linkedin.com/company/morgan-financial-melbourne-fl/ *P.S., we’re hiring Facebook: https://www.facebook.com/morganfinancial/ Website:
Connect & Subscribe to ‘Keeping Your Business on Track’: YouTube: https://www.youtube.com/@morganfinancial1944/podcasts Podcasters: https://podcasters.spotify.com/pod/show/kybot
Morgan Financial Residential Mortgage Lender Equal Housing Lender NMLS ID: 318525 (321) 757-3570 https://morganfinancial.net/ 1441 N. Harbor City Blvd. Melbourne, FL 32935
In this episode, Joe Harris is joined by Mary Cables, top Loan Officer at Morgan Financial. Joe and Mary tackle one of the most challenging obstacles homebuyers face. Low appraisals can be a major setback, but fear not! Our team of seasoned Loan Officers are here to guide you through the process and help you make informed decisions, whether you're a Real Estate Agent representing a buyer or seller, or a buyer or seller who wants to get the facts. Discover proven techniques to handle a low appraisal with confidence. We'll explore your 4 options, shed light on potential market causes, and share insider tips on how to negotiate, reassess, and explore alternative solutions to ensure your dream home doesn't slip away. Plus, we'll discuss the unique considerations and options available for VA loans, including the VA reconsideration of value process.Tune in to "Keeping Your Real Estate Business On Track" and empower yourself with the knowledge to overcome any hurdle that comes your way on your mortgage journey. Hit that subscribe button and never miss an episode!Watch here or on YouTube: https://youtu.be/MpYQ0QP7Pzo Morgan FinancialResidential Mortgage LenderEqual Housing LenderNMLS ID: 318525(321) 757-3570www.morganfinancial.net/keepingyourbusinessontrack1441 N. Harbor City Blvd. Melbourne, FL 32935
In this episode of Keeping Your Business On Track, Joe Harris is joined by Rick Townsend, one of our top Loan Officers at Morgan Financial. We focus on essential strategies to ensure a smooth mortgage process for your clients. Join our expert hosts as they share their wealth of knowledge and experience, guiding you through the importance of early education and upfront knowledge that can help navigate the mortgage journey effortlessly. Tune in to discover valuable resources and expert guidance that will empower you and your clients throughout the mortgage process.Don't forget to subscribe, see you next time! Morgan FinancialResidential Mortgage LenderEqual Housing LenderNMLS ID: 318525(321) 757-3570www.morganfinancial.net/keepingyourbusinessontrack1441 N. Harbor City Blvd. Melbourne, FL 32935
The importance of partnerships in Real Estate cannot be overstated. This week we are joined by Megan Ross, Team Leader of The Ross Group, brokered by Denovo Realty in the Eau Gallie Arts District. The Ross Group had $22MM in production in 2021. We are thrilled to have Megan join us and share her expertise.
If you're looking for expert guidance on your mortgage journey, trust Morgan Financial, the leading mortgage lender in Brevard County.
Thanks for tuning in, see you next time!
Morgan Financial
Residential Mortgage Lender
Equal Housing Lender
NMLS ID: 318525
(321) 757-3570
morganfinancial.net/keepingyourbusinessontrack
1441 N. Harbor City Blvd. Melbourne, FL 32935
buildyourbusiness #realestatepodcast #realestatetips #mortgagepodcast #brevardcounty #realestatesuccess #realestatelife #mortgage #florida #spacecoast #homebuying
This week Joe talks with Danyel Choban from Denovo Realty about the importance of follow-up and building authentic relationships in real estate. Danyel is in the top 1% of Closed Buyer Side Transactions in Brevard County.
Thanks for tuning in, see you next time!
Morgan Financial
Residential Mortgage Lender
Equal Housing Lender
NMLS ID: 318525
(321) 757-3570
morganfinancial.net/keepingyourbusinessontrack
1441 N. Harbor City Blvd. Melbourne, FL 32935
You may have heard in the media about a new so-called unfair mortgage tax on those with high credit scores. This is simply not the case and deserves to be unpacked.
This week Joe and Nic clarify the Loan Level Pricing Adjusters (LLPAs) and how credit score plays a part. If you have any questions feel free to give us a call or leave a comment.
Thanks for tuning in, see you next time!
Morgan Financial
Residential Mortgage Lender
Equal Housing Lender
NMLS ID: 318525
(321) 757-3570
morganfinancial.net/keepingyourbusinessontrack
1441 N. Harbor City Blvd. Melbourne, FL 32935
You may have heard in the media about a new so-called unfair mortgage tax on those with high credit scores. This is simply not the case and deserves to be unpacked.
This week Joe and Nic clarify the Loan Level Pricing Adjusters (LLPAs) and how credit score plays a part. If you have any questions feel free to give us a call or leave a comment.
Thanks for tuning in, see you next time!
Morgan Financial
Residential Mortgage Lender
Equal Housing Lender
NMLS ID: 318525
(321) 757-3570
morganfinancial.net/keepingyourbusinessontrack
1441 N. Harbor City Blvd. Melbourne, FL 32935
Looking to buy a home in Brevard County, Florida? One of the most important considerations is your mortgage interest rate!
This week Joe and Jake explore the five key factors that lenders consider when determining your interest rate and how they can impact your overall mortgage cost. Plus, learn how working with Morgan Financial can help you find the best loan option for your needs.
Thanks for tuning in, see you next time! Morgan Financial Residential Mortgage Lender Equal Housing Lender NMLS ID: 318525 (321) 757-3570 morganfinancial.net/keepingyourbusinessontrack 1441 N. Harbor City Blvd. Melbourne, FL 32935
Navigating the mortgage landscape can be challenging, especially when it comes to understanding complex concepts like mortgage points. In this blog post, we'll explain the basics of mortgage points, including discount points and origination points, and discuss their pros and cons. We'll also help you determine when it's best to consider paying points. If you're looking for expert guidance on your mortgage journey, trust Morgan Financial, the leading mortgage lender in Brevard County.
In this week's episode, Joe and Lindsay explain the basics of mortgage points, including discount points and origination points, and discuss their pros and cons.
Thanks for tuning in, see you next time! Morgan FinancialResidential Mortgage LenderEqual Housing LenderNMLS ID: 318525(321) 757-3570morganfinancial.net/keepingyourbusinessontrack1441 N. Harbor City Blvd. Melbourne, FL 32935#buildyourbusiness #realestatepodcast #realestatetips #mortgagepodcast #brevardcounty #realestatesuccess #realestatelife #mortgage #florida #spacecoast #homebuying
In this week's episode, we have superstar real estate agent, Jenn Clements to talk with Joe about why Brevard County should be your next home buying destination.
Jenn is the broker/owner of Coastal Life Properties and has been in the real estate industry for over 18 years! Born and raised in Brevard County, Jenn discusses some of her favorite things about living on the Space Coast, what the Space Coast has to offer new residents, and why she left (and came back)!
If you're looking for a place to call home in the Sunshine State, Brevard County, Florida should definitely be on your radar. With its beautiful beaches, friendly communities, and abundant job opportunities, Brevard County is the perfect place to settle down and start living your best life. From the beautiful beaches of Cocoa beach, Satellite beach, Indialantic and Melbourne Beach, to the quaint downtown of Melbourne, Cocoa and Titusville, Brevard County has so much to offer!
A huge shoutout to Jenn for taking the time to come onto our podcast and sharing her stories with us! To connect with Jenn and her wonderful team, visit https://www.jennclementsandco.com !
Thanks for tuning in, see you next time!
Morgan Financial
Residential Mortgage Lender
Equal Housing Lender
NMLS ID: 318525
(321) 757-3570
morganfinancial.net/keepingyourbusinessontrack
1441 N. Harbor City Blvd. Melbourne, FL 32935
buildyourbusiness #realestatepodcast #realestatetips #mortgagepodcast #brevardcounty #realestatesuccess #realestatelife #mortgage #florida #spacecoast #homebuying
If you're a veteran or active-duty service member looking to purchase a home using a VA loan, understanding your debt-to-income ratio (DTI) is essential. This measurement compares your monthly debt payments to your monthly income and can affect how much you can borrow and what interest rates you'll qualify for. In this guide by Morgan Financial, the leading local lender in Melbourne, Florida, we explain what DTI is, why it matters, and how it affects your VA loan application. Learn how to improve your DTI ratio and increase your chances of qualifying for a VA loan. Contact us today to learn more about VA loans and how we can help you achieve your dream of homeownership.Thanks for tuning in, see you next time!Morgan FinancialResidential Mortgage LenderEqual Housing LenderNMLS ID: 318525(321) 757-3570morganfinancial.net/keepingyourbusinessontrack1441 N. Harbor City Blvd. Melbourne, FL 32935
If you're a veteran or active-duty service member looking to purchase a home, you may have heard of the Certificate of Eligibility (COE). In this week's episode, Joe and Lindsay discuss what a COE is, why it's important and lastly, how to even obtain one!
If you like what you hear, we would love for you to subscribe to the show, leave us a review, and share with anyone you know who wants to maximize their Real Estate or Mortgage business.
Thanks for tuning in, see you next time!
Morgan Financial
Residential Mortgage Lender
Equal Housing Lender
NMLS ID: 318525
(321) 757-3570
morganfinancial.net/keepingyourbusinessontrack
1441 N. Harbor City Blvd. Melbourne, FL 32935
Are you the kind of agent who wants to leisurely toss the ball on a Saturday afternoon, or are you the kind to grind until you win the Real Estate Super Bowl?
In this week's episode, Joe Harris is joined by leadership expert and local Real Estate powerhouse himself - Tom Taranto! Tune in as Joe and Tom go over what it takes to build a multi-million dollar real estate team from the ground up.
(Hint: sometimes it's as simple as hiring the right people, and doing the boring stuff over and over again!)
If you like what you hear, we would love for you to subscribe to the show, leave us a review, and share with anyone you know who wants to maximize their Real Estate or Mortgage business.
To connect with Tom and learn more about his incredibly successful team, check out his website at teamtaranto.kw.com
Thanks for tuning in, see you next time!
Morgan Financial
Residential Mortgage Lender
Equal Housing Lender
NMLS ID: 318525
(321) 757-3570
morganfinancial.net/keepingyourbusinessontrack
1441 N. Harbor City Blvd. Melbourne, FL 32935
In this week's episode, Joe Harris is joined by Morgan Financial loan officer, VA loan specialist, and Air Force veteran himself - Scott Dunn! Tune in as they break down everything you need to know about VA funding fees, tips to lower costs, and strategies to maximize veteran benefits. Plus, they'll be giving an overview of the VA's upcoming reduction in funding fee costs, so tune in to stay up-to-date with the latest changes.
If you like what you hear, we would love for you to subscribe to the show, leave us a review, and share with anyone you know who wants to maximize their Real Estate or Mortgage business.
Thanks for tuning in, see you next time!
Morgan Financial
Residential Mortgage Lender
Equal Housing Lender
NMLS ID: 318525
(321) 757-3570morganfinancial.net/keepingyourbusinessontrack 1441 N. Harbor City Blvd. Melbourne, FL 32935
What is a rate lock? When should you lock the rate? How long is the interest rate locked for? Can you change it once the rate is locked?
In this week's episode one of our very talented loan officers, Nicolas Nazon, guest stars with your host Joe to break down everything you need to know about locking-in the interest rate, and what to consider before taking the leap!
If you like what you hear, we would love for you to subscribe to the show, leave us a review, and share with anyone you know who wants to maximize their Real Estate or Mortgage business.
Thanks for tuning in, see you next time!
Morgan Financial
Residential Mortgage Lender
Equal Housing Lender
NMLS ID: 318525
(321) 757-3570morganfinancial.net/keepingyourbusinessontrack 1441 N. Harbor City Blvd. Melbourne, FL 32935
Have you ever found yourself at the closing table with your client thinking "I wish my Realtor knew more about the loan process," or "How can I help my lender prepare my client for a more successful home buying experience?"
In this week's episode one of our very talented loan officers, Johanna Bennett, guest stars to talk about how Realtors and Lenders can work best together to provide a smooth and enjoyable home buying experience for not only the client, but everyone involved.
If you like what you hear, we would love for you to subscribe to the show, leave us a review, and share with anyone you know who wants to maximize their Real Estate or Mortgage business!
Thanks for tuning in, see you next time!
Morgan Financial
Residential Mortgage Lender
Equal Housing Lender
NMLS ID: 318525
(321) 757-3570
morganfinancial.net
1441 N. Harbor City Blvd. Melbourne, FL 32935
Mortgage giants Fannie Mae & Freddie Mac are tightening up their conventional loan pricing and borrower qualification guidelines. Starting May 1st, some borrowers may have to meet slightly stricter standards in order to qualify for a conventional conforming home loan. Tune in for an overview of these updates, and how these changes will affect current and future homebuyers.
If you like what you hear, we would love for you to subscribe to the show and share with anyone you know who wants to maximize their Real Estate or Mortgage business. Thanks for tuning in, see you next time!
Morgan Financial
Residential Mortgage Lender
Equal Housing Lender
NMLS ID: 318525
(321) 757-3570
www.morganfinancial.net
1441 N. Harbor City Blvd. Melbourne, FL 32935
Are we in a buyer's market? A balanced market? A seller's market?
Where are interest rates headed?
Is home buyer demand going to pick back up?
Are we going to see multiple-offer situations again any time soon?
In this week's episode one of our very talented loan officers, Mary Cables, guest stars to talk about how we've seen the market shift between early last year to the beginning of this year, and what's in store for the next few quarters.
If you like what you hear, we would love for you to subscribe to the show, leave us a review, and share with anyone you know who wants to maximize their Real Estate or Mortgage business!
Thanks for tuning in, see you next time!
Morgan Financial
Residential Mortgage Lender
Equal Housing Lender
NMLS ID: 318525
(321) 757-3570
morganfinancial.net
1441 N. Harbor City Blvd. Melbourne, FL 32935
Do VA appraisals take longer than conventional home appraisals?
Does the VA appraisal stick with the property or the borrower?
Are VA appraisals harder on the property than conventional?
What is a reconsideration of value?
What is the Tidewater Initiative?
As a Veteran owned, operated, and focused mortgage lender, VA Loans are our bread and butter here at Morgan Financial! To learn more about VA Loans and their many benefits, head to our website at https://morganfinancial.net/va-loan-resource/
If you like what you hear, we would love for you to subscribe to the show, leave us a review, and share with anyone you know who wants to maximize their Real Estate or Mortgage business!
Thanks for tuning in, see you next time!
Morgan Financial
Residential Mortgage Lender
Equal Housing Lender
NMLS ID: 318525
(321) 757-3570
morganfinancial.net
1441 N. Harbor City Blvd. Melbourne, FL 32935
Client prospecting is... not the most glamorous part of the real estate business. When it comes to working smarter, not harder, time blocking can save you from a world of headache.
In this week's episode, Joe and Lindsay cover how The 12 Rules of Time Blocking can help you get more out of your prospecting efforts and set more appointments!
If you like what you hear, we would love for you to subscribe to the show and share with anyone you know who wants to maximize their Real Estate or Mortgage business! Thanks for tuning in, see you next time.
Morgan Financial
Residential Mortgage Lender
Equal Housing Lender
NMLS ID: 318525
(321) 757-3570
www.morganfinancial.net
1441 N. Harbor City Blvd. Melbourne, FL 32935
From ARMs to CRMs, to new loan products and everything in between... what distracts us from sticking to the basics, and what's actually worth our time?
In this week's episode, Joe and Lindsay go over a few of the most common distractions that Realtors and Mortgage Lenders tend to face during market shifts, and how to drown out the noise so you can get out of your own way and stay on track towards reaching your goals!
If you like what you hear, we would love for you to subscribe to the show and share with anyone you know who wants to maximize their Real Estate or Mortgage business! Thanks for tuning in, see you next time.
Morgan Financial
Residential Mortgage Lender
Equal Housing Lender
NMLS ID: 318525
(321) 757-3570
morganfinancial.net
1441 N. Harbor City Blvd. Melbourne, FL 32935
If you wanted to make $10 million dollars in Real Estate this year, do you know what it would take to get you there? The secret is to KNOW YOUR NUMBERS!
In this week's episode, Joe and Jake cover everything you need to know about planning your best year. It's a new year, and there's no shortage of opportunities.
If you like what you hear, we would love for you to subscribe to the show, leave us a review, and share with anyone you know who wants to maximize their Real Estate or Mortgage business! Thanks for tuning in, see you next time!
Morgan Financial
Residential Mortgage Lender
Equal Housing Lender
NMLS ID: 318525
(321) 757-3570
morganfinancial.net
1441 N. Harbor City Blvd. Melbourne, FL 32935
As we take a look back at the state of the housing market in 2022, I'm sure we're all asking each other the same question... what happened?!
This week one of our lovely Business Development Representatives, Lindsay Clark, fills in for Nicki to ask Joe for his thoughts on this past year, and his predictions for what 2023 has in store for the Real Estate Industry.
If you like what you hear, we would love for you to subscribe to the show, leave us a review, and share with anyone you know who wants to maximize their Real Estate or Mortgage business! Thanks for tuning in, see you next time!
Morgan Financial
Residential Mortgage Lender
Equal Housing Lender
NMLS ID: 318525
(321) 757-3570
morganfinancial.net
1441 N. Harbor City Blvd. Melbourne, FL 32935
Curious about the state of the market for new build homes? Want an insider look into what's on the horizon for Brevard County's favorite local community? Edgar Cobos, sales manager at Viera Builders, joins us to give us the run-down on all things Viera Builders!
To learn more about what ranks Viera in the top 15 master-planned communities in the US, head to their website at www.vierabuilders.com and be sure to follow Edgar on Instagram @edgarsellsviera
If you like what you hear, we would love for you to subscribe to the show, leave us a review, and share with anyone you know who wants to maximize their Real Estate or Mortgage business! Thanks for tuning in, see you next time!
Morgan Financial
Residential Mortgage Lender
Equal Housing Lender
NMLS ID: 318525
(321) 757-3570
morganfinancial.net
1441 N. Harbor City Blvd. Melbourne, FL 32935
For those of us in the Real Estate industry, we've all heard a few common objections from home-buyers as to why they're waiting to buy a home, such as:
"I'm waiting for interest rates to come down..."
"I'm afraid the market is going to crash..."
"I heard a recession is on the horizon..."
In this episode, Joe and Nicki address these common buyer objections and offer some insights and talking points you can use to educate your clients on why now is actually still a great time to buy a home.
If you like what you hear, we would love for you to subscribe to the show, leave us a review, and share with anyone you know who wants to maximize their Real Estate or Mortgage business!
Thanks for tuning in, see you next time!
Morgan Financial
Residential Mortgage Lender
Equal Housing Lender
NMLS ID: 318525
(321) 757-3570
morganfinancial.net
1441 N. Harbor City Blvd. Melbourne, FL 32935
Your Sphere of Influence is your community of people who already know, like, and trust you. When it comes to doing business, are you getting the most out of your sphere? In this episode, Joe and Nicki share 4 ways to generate more business from your sphere of influence! Don't let the illusion of transparency stand in the way of building your business. Help your sphere understand how they can help you!
If you like what you hear, we would love for you to subscribe to the show, leave us a review, and share with anyone you know who wants to maximize their Real Estate or Mortgage business.
Thanks for tuning in, see you next time!
Morgan Financial
Residential Mortgage Lender
Equal Housing Lender
NMLS ID: 318525
(321) 757-3570
morganfinancial.net
1441 N. Harbor City Blvd. Melbourne, FL 32935
With the new year right around the corner, how can Real Estate & Mortgage professionals set ourselves up for success through the end of this year and into the next? We're back with another episode of Keeping Your Business On Track where Joe and Nicki share their 4 best tips to finish the year strong!
If you like what you hear, we would love for you to subscribe to the show, leave us a review, and share with anyone you know who wants to maximize their Real Estate or Mortgage business!
Thanks for tuning in, see you next time!
**Morgan Financial
Residential Mortgage Lender
Equal Housing Lender
NMLS ID: 318525
(321) 757-3570*morganfinancial.net* 1441 N. Harbor City Blvd. Melbourne, FL 32935**
We're back with another episode of Keeping Your Business On Track! In this episode, Joe and Nicki cover some of the most common mistakes borrowers make during the loan process, and how to avoid them to ensure a smooth loan process for everyone.
For the full list of 10 Mistakes to Avoid When Buying a Home, check out our website at https://morganfinancial.net/mistakes-to-avoid-when-buying-a-home/
If you like what you hear, we would love for you to subscribe to the show, leave us a review, and share with anyone you know who wants to maximize their Real Estate or Mortgage business!
Thanks for tuning in, see you next time!
**Morgan Financial
Residential Mortgage Lender
Equal Housing Lender
NMLS ID: 318525
(321) 757-3570*morganfinancial.net* 1441 N. Harbor City Blvd. Melbourne, FL 32935**
We're back with another episode of Keeping Your Business On Track! In this episode, Joe and Nicki bust some of the most common myths surrounding VA Loans, such as...
Are VA loans harder to qualify for? Do sellers have to pay fees on behalf of VA buyers? Do VA appraisals really take forever?
As a Veteran owned, operated, and focused small business, VA Loans are our bread and butter here at Morgan Financial! To learn more about VA Loans and their many benefits, head to our website at https://morganfinancial.net/va-loan-resource/
If you like what you hear, we would love for you to subscribe to the show, leave us a review, and share with anyone you know who wants to maximize their Real Estate or Mortgage business!
Thanks for tuning in, see you next time!
**Morgan Financial
Residential Mortgage Lender
Equal Housing Lender
NMLS ID: 318525
(321) 757-3570*morganfinancial.net* 1441 N. Harbor City Blvd. Melbourne, FL 32935**
Tune into this week's special episode where Morgan Financial CEO, David Morgan, guest stars alongside John Bridges of Zeddemore/Tank Top/The Bradley Rodriguez band (three great local bands right here in Brevard County) on the Harbor City Local TV Podcast!
Tune in for an insider discussion on all things Morgan Financial, the upcoming Space Coast Music Festival, and all the amazing things that John Bridges and Steven Spencer, owner of Harbor City Local - 501c3 nonprofit supporting music, art, and education in our community, accomplish for the local music community.
If you're a Florida resident and you're looking for a full day of local music, art, and more in a great local arts district, come on out and join us at this year's Space Coast Music Festival presented by Morgan Financial! For more details and the full line-up, check out their website at https://www.spacecoastrocks.com/
To learn more about Harbor City Local and their mission, check out their official website at https://harborcitylocal.square.site/
Thanks to our dear friend Jesse Hall of the Space Coast Podcast Network and Studio for producing this episode! Be sure to follow the Space Coast Podcast Network on your preferred platform to check out more of their episodes.
Thank you Steven for having us both as a podcast guest, and as this year's title sponsor for the festival! We can't wait to rock out!
Morgan Financial
Residential Mortgage Lender
Equal Housing Lender
NMLS ID: 318525
321-757-3570
morganfinancial.net
1441 N. Harbor City Blvd. Melbourne, FL 32935
Welcome back to another episode of Keeping Your Business On Track! In this episode, Joe and Nicki go over everything you need to know about the hottest newest topic in the Real Estate Industry: 2-1 Buydowns.
If you like what you hear, we would love for you to subscribe to the show, leave us a review, and share with anyone you know who wants to maximize their Real Estate or Mortgage business!
To check out our website and learn more about working with Morgan Financial for you or your client's mortgage needs, head to https://morganfinancial.net/
Thanks for tuning in, see you next time!
**Morgan Financial
Residential Mortgage Lender
Equal Housing Lender
NMLS ID: 318525
(321) 757-3570*morganfinancial.net* 1441 N. Harbor City Blvd. Melbourne, FL 32935**
Welcome back to another episode of Keeping Your Business On Track! In this episode, Joe and Nicki dive into how your follow-up approach can make or break whether you convert your leads into closed sales.
To download an E-Book with our 7 Step Follow-Up System, head to our website at https://morganfinancial.net/keepingyourbusinessontrack/
If you like what you hear, we would love for you to subscribe to the show, leave us a review, and share with anyone you know who wants to maximize their Real Estate or Mortgage business! Thanks, and see you next week.
**Morgan Financial
Residential Mortgage Lender
Equal Housing Lender
NMLS ID: 318525
(321) 757-3570*morganfinancial.net* 1441 N. Harbor City Blvd. Melbourne, FL 32935**
Welcome back to the Keeping Your Business On Track podcast! Your hosts, Joe and Nicki, are here to bring you all the education and inspiration you need to maximize your Real Estate business.
There's no denying that the state of the housing market has shifted, and these shifts tend to bring out some... "creative" home-buying opportunities. But what's the catch? This week, your hosts tackle a few common mortgage gimmicks and how to best navigate them so you can make the best educated decision.
If you like what you hear, we would love for you to subscribe to the show and leave us a review! If there are any topics on your wish list that you want to us to cover, we'd love your feedback.
To check out any of our upcoming classes, or to work with Morgan Financial on you or your clients' mortgage needs, check out our website! https://morganfinancial.net/keepingyourbusinessontrack/
**Morgan Financial
Residential Mortgage Lender
Equal Housing Lender
NMLS ID: 318525
(321) 757-3570*morganfinancial.net* 1441 N. Harbor City Blvd. Melbourne, FL 32935**
Welcome back to the Keeping Your Business On Track podcast! Your host, Joe Harris, is here to bring you all the education and inspiration you need to build your Real Estate business.
Today's episode is all about referrals! We love them, we need them, and they're typically your least expensive source of business. But how can we increase our number of referrals? Jake Honadle, one of our Business Development Representatives here at Morgan Financial, joins us today to bring you 4 Steps to Increase Referrals!
If you like what you hear, we would love for you to subscribe to the show and leave us a review! If there are any topics on your wish list that you want to us to cover, we'd love your feedback.
To check out any of our upcoming classes, or to work with Morgan Financial on you or your clients' mortgage needs, check out our website! https://morganfinancial.net/keepingyourbusinessontrack/ **Morgan Financial
Residential Mortgage Lender
Equal Housing Lender
NMLS ID: 318525
(321) 757-3570*morganfinancial.net* 1441 N. Harbor City Blvd. Melbourne, FL 32935**
Welcome back to the Keeping Your Business On Track podcast! Your host, Joe Harris, is here to bring you all the education and inspiration you need to build your Real Estate business.
Today's episode is all about referrals! We love them, we need them, and they're typically your least expensive source of business. But how can we increase our number of referrals? Jake Honadle, one of our Business Development Representatives here at Morgan Financial, joins us today to bring you 4 Steps to Increase Referrals!
If you like what you hear, we would love for you to subscribe to the show and leave us a review! If there are any topics on your wish list that you want to us to cover, we'd love your feedback.
To check out any of our upcoming classes, or to work with Morgan Financial on you or your clients' mortgage needs, check out our website! https://morganfinancial.net/keepingyourbusinessontrack/ **Morgan Financial
Residential Mortgage Lender
Equal Housing Lender
NMLS ID: 318525
(321) 757-3570*morganfinancial.net* 1441 N. Harbor City Blvd. Melbourne, FL 32935**
Welcome back to the Keeping Your Business On Track podcast! Your hosts, Joe Harris and Nicki Jenne, are here to bring you all the education and inspiration you need to build your Real Estate business.
Today's episode is all about Title Insurance. Tonya Bader, Co-Owner of Prestige Title, joins us to answer the questions...
- What's the difference between Title and Deed?
- What is title insurance and why is it important?
- Does every homeowner need title insurance?
- What are some problems homeowners can run into without title insurance?
- What's the most important thing Realtors need to know about the title process for a smooth closing?
If you like what you hear, we would love for you to subscribe to the show and leave us a review! If there are any topics on your wish list that you want to us to cover, please let us know.
For an in-depth dive into the title process and how you can best set your clients up for success, join us at our upcoming training seminar! Tonya will be covering Title Basics, Common Questions & Misconceptions, and How Realtors & Title Can Best Work Together. This training is free to join, and we'd love to see you tune in on Zoom! Reserve your spot through our website below to tune in from anywhere you'd like. Thanks, and see you next week!
**Realtor Guide to Title with Prestige Title
When: Wednesday, September 21st @ 10 a.m.
Where: Space Coast Association of Realtors AND Virtually On Zoom
RSVP: https://morganfinancial.net/keepingyourbusinessontrack/ Morgan Financial
Residential Mortgage Lender
Equal Housing Lender
NMLS ID: 318525
(321) 757-3570*morganfinancial.net* 1441 N. Harbor City Blvd. Melbourne, FL 32935**
Welcome back to the Keeping Your Business On Track podcast! Your hosts, Joe Harris and Nicki Jenne, are here to bring you all the education and inspiration you need to build your Real Estate business.
Today's episode is all about Title Insurance. Tonya Bader, Co-Owner of Prestige Title, joins us to answer the questions...
- What's the difference between Title and Deed?
- What is title insurance and why is it important?
- Does every homeowner need title insurance?
- What are some problems homeowners can run into without title insurance?
- What's the most important thing Realtors need to know about the title process for a smooth closing?
If you like what you hear, we would love for you to subscribe to the show and leave us a review! If there are any topics on your wish list that you want to us to cover, please let us know.
For an in-depth dive into the title process and how you can best set your clients up for success, join us at our upcoming training seminar! Tonya will be covering Title Basics, Common Questions & Misconceptions, and How Realtors & Title Can Best Work Together. This training is free to join, and we'd love to see you tune in on Zoom! Reserve your spot through our website below to tune in from anywhere you'd like. Thanks, and see you next week!
**Realtor Guide to Title with Prestige Title
When: Wednesday, September 21st @ 10 a.m.
Where: Space Coast Association of Realtors AND Virtually On Zoom
RSVP: https://morganfinancial.net/keepingyourbusinessontrack/ Morgan Financial
Residential Mortgage Lender
Equal Housing Lender
NMLS ID: 318525
(321) 757-3570*morganfinancial.net* 1441 N. Harbor City Blvd. Melbourne, FL 32935**
Welcome to the Keeping Your Business On Track podcast! Your hosts, Joe Harris and Nicki Jenne, are here to bring you all the education and inspiration you need to build your Real Estate business.
Today's episode is all about The Importance of Pre-Approval: mainly how having a strong pre-approval can help set your clients up for a successful home buying experience, and also how not having one can be detrimental to the process.
Want to learn more about the landmines and pitfalls you and your clients might run into during the mortgage process, and how to overcome them? Join us at our upcoming seminar! This free seminar is open to any and all Real Estate Agents. Florida agents can join us in-person at the Space Coast Association of Realtors office, but feel free to tune in from anywhere in the world as we broadcast live on Zoom! Check out the information below to reserve your spot today. Hope to see you there!
Guide to Mortgage Lending: Pre-Qualification Through Closing
When: Tuesday, September 6th @ 10 a.m.
Where: Space Coast Association of Realtors AND Virtually On Zoom
RSVP: https://morganfinancial.net/keepingyourbusinessontrack/
Morgan Financial
Residential Mortgage Lender
Equal Housing Lender
NMLS ID: 318525
(321) 757-3570
morganfinancial.net
1441 N. Harbor City Blvd. Melbourne, FL 32935