All About the Money is dedicated to discussing and helping our listeners better understand their finances, their budgets, and growing their net worth. Hosted by Kirk Chivas, Ken Turkington, and Tab Diedrich-Cummings, mortgage and finance professionals with over 50 years of combined industry experience, the show will feature advice plus interviews with industry professionals.
You can also view the All About The Money Podcast on YouTube, along with the rest of the videos we produce. We invite you to subscribe to the channel at http://www.YouTube.com/FirstCommerce.
We invite you to join the All About The Money Podcast Facebook Group – https://bit.ly/2F9d0Sx
The First Commerce Financial team is here to help, and answer any questions you have regarding mortgages, refinancing, or building wealth. You can reach each team member at the following:
To reach Kirk Chivas 248-207-2404
Follow Kirk on Instagram @kirkchivas
To reach Ken Turkington 248-459-5511
Follow Ken on Instagram @kenturkington
To Reach Tab Diedrich-Cummings 734-735-3889
Follow Tab on Instagram @tabdiedrich
First Commerce Financial is licensed in Arizona, Florida, Michigan, and California.
Visit us online at http://www.firstcommercefinancial.com
We invite you to follow First Commerce Financial on our social media platforms.
Follow Us on Instagram – http://www.instagram.com/firstcommercefinancial
If you are in Arizona, like us on our Arizona Facebook Page
http://www.facebook.com/firstcommercefinancialAZ
If you are in Florida, like us on our Florida Facebook Page
http://www.facebook.com/firstcommercefinancialFL
If you are in Michigan, like us on our Michigan Facebook Page
http://www.facebook.com/firstcommercefinancialMI
If you are in California, like us on our California Facebook Page
http://www.facebook.com/firstcommercefinancialCA
If you live, or are looking to buy a home in Arizona, Florida, California or Michigan, and would like to see how much home you can afford, you can click here to begin (it only takes about 60 seconds) https://bit.ly/36Erc19
You can also listen to the All About The Money Podcast on iTunes. We invite you to subscribe to the podcast at https://apple.co/34lHY2p
We invite you to join the All About The Money Podcast Facebook Group – https://bit.ly/2F9d0Sx
The First Commerce Financial team is here to help, and answer any questions you have regarding mortgages, refinancing, or building wealth. You can reach each team member at the following:
To reach Kirk Chivas 248-207-2404
Follow Kirk on Instagram @kirkchivas
To reach Ken Turkington 248-459-5511
Follow Ken on Instagram @kenturkington
To Reach Tab Diedrich-Cummings 734-735-3889
Follow Tab on Instagram @tabdiedrich
First Commerce Financial is licensed in Arizona, Florida, Michigan, and California.
We invite you to follow First Commerce Financial on our social media platforms.
Follow Us on Instagram – http://www.instagram.com/firstcommercefinancial
If you are in Arizona, like us on our Arizona Facebook Page
http://www.facebook.com/firstcommercefinancialAZ
If you are in Florida, like us on our Florida Facebook Page
http://www.facebook.com/firstcommercefinancialFL
If you are in Michigan, like us on our Michigan Facebook Page
http://www.facebook.com/firstcommercefinancialMI
If you are in California, like us on our California Facebook Page
http://www.facebook.com/firstcommercefinancialCA
If you live, or are looking to buy a home in Arizona, Florida, California or Michigan, and would like to see how much home you can afford, you can click here to begin (it only takes about 60 seconds) https://bit.ly/36Erc19
The takeaway from this episode is that you can learn from the situations so that you can avoid making the same mistakes. So sit back, relax, and enjoy some horror stories from the mortgage industry.
You can also view the All About The Money Podcast on YouTube, along with the rest of the videos we produce. We invite you to subscribe to the channel at http://www.YouTube.com/FirstCommerce.
We invite you to join the All About The Money Podcast Facebook Group – https://bit.ly/2F9d0Sx
The First Commerce Financial team is here to help, and answer any questions you have regarding mortgages, refinancing, or building wealth. You can reach each team member at the following:
To reach Kirk Chivas 248-207-2404
Follow Kirk on Instagram @kirkchivas
To reach Ken Turkington 248-459-5511
Follow Ken on Instagram @kenturkington
To Reach Tab Diedrich-Cummings 734-735-3889
Follow Tab on Instagram @tabdiedrich
First Commerce Financial is licensed in Arizona, Florida, Michigan, and California.
Visit us online at http://www.firstcommercefinancial.com
We invite you to follow First Commerce Financial on our social media platforms.
Follow Us on Instagram – http://www.instagram.com/firstcommercefinancial
If you are in Arizona, like us on our Arizona Facebook Page
http://www.facebook.com/firstcommercefinancialAZ
If you are in Florida, like us on our Florida Facebook Page
http://www.facebook.com/firstcommercefinancialFL
If you are in Michigan, like us on our Michigan Facebook Page
http://www.facebook.com/firstcommercefinancialMI
If you are in California, like us on our California Facebook Page
http://www.facebook.com/firstcommercefinancialCA
If you live, or are looking to buy a home in Arizona, Florida, California or Michigan, and would like to see how much home you can afford, you can click here to begin (it only takes about 60 seconds) https://bit.ly/36Erc19
On this episode, the team examines a real-world scenario that Tab dealt with earlier this year. A newly married couple, with debt, was looking to purchase their first home. While they had some work to do, all parties discussed a plan which allowed them to tackle their debt, and work towards the ultimate goal of home ownership. While spending money is certainly fun, you can also generate satisfaction from saving your money, reducing your debt, and working towards your ultimate wealth building goals.
You can also view the All About The Money Podcast on YouTube, along with the rest of the videos we produce. We invite you to subscribe to the channel at http://www.YouTube.com/FirstCommerce.
We invite you to join the All About The Money Podcast Facebook Group – https://bit.ly/2F9d0Sx
The First Commerce Financial team is here to help, and answer any questions you have regarding mortgages, refinancing, or building wealth. You can reach each team member at the following:
To reach Kirk Chivas 248-207-2404
Follow Kirk on Instagram @kirkchivas
To reach Ken Turkington 248-459-5511
Follow Ken on Instagram @kenturkington
To Reach Tab Diedrich-Cummings 734-735-3889
Follow Tab on Instagram @tabdiedrich
First Commerce Financial is licensed in Arizona, Florida, Michigan, and California.
Visit us online at http://www.firstcommercefinancial.com
We invite you to follow First Commerce Financial on our social media platforms.
Follow Us on Instagram – http://www.instagram.com/firstcommercefinancial
If you are in Arizona, like us on our Arizona Facebook Page
http://www.facebook.com/firstcommercefinancialAZ
If you are in Florida, like us on our Florida Facebook Page
http://www.facebook.com/firstcommercefinancialFL
If you are in Michigan, like us on our Michigan Facebook Page
http://www.facebook.com/firstcommercefinancialMI
If you are in California, like us on our California Facebook Page
http://www.facebook.com/firstcommercefinancialCA
If you live, or are looking to buy a home in Arizona, Florida, California or Michigan, and would like to see how much home you can afford, you can click here to begin (it only takes about 60 seconds) https://bit.ly/36Erc19
Do you have any friends or associates that may be buying, or refinancing a home within the next 6 months? We would love to have a conversation with them. You can reach any of the All About The Money team members at the contact information, or social media outlets, listed below.
You can also view the All About The Money Podcast on YouTube, along with the rest of the videos we produce. We invite you to subscribe to the channel at http://www.YouTube.com/FirstCommerce.
We invite you to join the All About The Money Podcast Facebook Group – https://bit.ly/2F9d0Sx
The First Commerce Financial team is here to help, and answer any questions you have regarding mortgages, refinancing, or building wealth. You can reach each team member at the following:
To reach Kirk Chivas 248-207-2404
To follow Kirk on Instagram @kirkchivas
To reach Ken Turkington 248-459-5511
To follow Ken on Instagram @kenturkington
To Reach Tab Diedrich-Cummings 734-735-3889
To follow Tab on Instagram @tabdiedrich
First Commerce Financial is licensed in Arizona, Florida, Michigan and California.
Visit us online at https://www.firstcommercefinancial.com
We invite you to follow First Commerce Financial on our social media platforms.
Follow Us on Instagram – http://www.instagram.com/firstcommercefinancial
If you are in Arizona, like us on our Arizona Facebook Page
http://www.facebook.com/firstcommercefinancialAZ
If you are in Florida, like us on our Florida Facebook Page
http://www.facebook.com/firstcommercefinancialFL
If you are in Michigan, like us on our Michigan Facebook Page
http://www.facebook.com/firstcommercefinancialMI
If you are in California, like us on our California Facebook Page
http://www.facebook.com/firstcommercefinancialCA
If you live, or are looking to buy a home in Arizona, Florida, California or Michigan, and would like to see how much home you can afford, you can click here to begin (it only takes about 60 seconds) https://bit.ly/36Erc19
As is typical in all real estate transactions, multiple conversations with Real Estate agents were required to provide confidence for all parties to proceed to achieve a successful closing.
You can also view the All About The Money Podcast on YouTube, along with the rest of the videos we produce. We invite you to subscribe to the channel at http://www.YouTube.com/FirstCommerce.
Join the Conversation on the All About The Money Podcast Facebook Group
The First Commerce Financial team is here to help, and answer any questions you have regarding mortgages, refinancing, or building wealth. You can reach each team member at the following:
To reach Kirk Chivas 248-207-2404
Follow Kirk on Instagram
To reach Ken Turkington 248-459-5511
Follow Ken on Instagram
To Reach Tab Diedrich-Cummings 734-735-3889
Follow Tab on Instagram
First Commerce Financial is licensed in Arizona, Florida, Michigan and California.
Visit us online at http://www.firstcommercefinancial.com
We invite you to follow First Commerce Financial on our social media platforms.
Follow Us on Instagram – http://www.instagram.com/firstcommercefinancial
If you are in Arizona, like us on our Arizona Facebook Page
http://www.facebook.com/firstcommercefinancialAZ
If you are in Florida, like us on our Florida Facebook Page
http://www.facebook.com/firstcommercefinancialFL
If you are in Michigan, like us on our Michigan Facebook Page
http://www.facebook.com/firstcommercefinancialMI
If you are in California, like us on our California Facebook Page
http://www.facebook.com/firstcommercefinancialCA
If you live, or are looking to buy a home in Arizona, Florida, California or Michigan, and would like to see how much home you can afford, you can click here to begin (it only takes about 60 seconds)
You can also view the video version of this podcast on YouTube. We invite you to watch, share, and subscribe to First Commerce Financials' YouTube Channel.The First Commerce Financial team is here to help, and can be reached at the contact info below
To reach Kirk Chivas 248-207-2404
To reach Ken Turkington 248-459-5511
To reach Tab Diedrich 734-735-3889
You can visit us online at FirstCommerceFinancial.com
On Facebook
On Instagram
Kirk, Ken, and Tab go over what to expect as a self-employed borrower. Specifically, how long you've been in business, and how you can go about proving how successful your business is. There are also limitations on what funds you can use to qualify, and what funds you won't be able to use.
The Covid-19 pandemic has made things even more challenging, mainly because many self-employed businesses have been significantly impacted. You credit score will need to be higher, and you can certainly expect a higher level of scrutiny.
Of course, the First Commerce Financial team knows the in's and out's of this process, and can help you with those questions. They also making it easy to see if it's time to refinance your current mortgage, or if they can put you into their system so that you can be notified when it's the perfect time, given your particular scenario. You can contact any member of the team.
Contact Kirk at 248-207-2404
Contact Ken at 248-459-5511
Contact Tab at 734-735-3889
You can also learn more about Kirk, Tab and the First Commerce Financial Team at www.FirstCommerceFinancial.com
You can connect with them on Facebook at www.facebook.com/firstcommercefinancialfl
Follow them on Instagram at www.Instagram.com/FirstCommerceFinancial
Kirk, Ken & Tab start things off discussing the current state of the market, particularly issues that are important to borrowers. They also go over supply and demand, and how there is an excess of buyers in many markets, and how that affects the process. They round out the conversation with talks about concessions, and how it comes into play when you are making an offer on a home when that home has multiple offers.
The First Commerce Financial Team is also making it easy to see if it's time to refinance your current mortgage, or if they can put you into their system so that you can be notified when it's the perfect time, given your particular scenario. You can contact any member of the team.
Contact Kirk at 248-207-2404
Contact Ken at 248-459-5511
Contact Tab at 734-735-3889
You can also learn more about Kirk, Tab and the First Commerce Financial Team at www.FirstCommerceFinancial.com
You can connect with them on Facebook at www.facebook.com/firstcommercefinancialfl
Follow them on Instagram at www.Instagram.com/FirstCommerceFinancial
On the show, Kirk, Ken & Tab discuss the current state of the market, the decision-makers in the refinancing process, and escrow accounts (Tab's favorite).
The First Commerce Financial Team is also making it easy to see if it's time to refinance your current mortgage, or if they can put you into their system so that you can be notified when it's the perfect time, given your particular scenario. You can contact any member of the team.
Contact Kirk at 248-207-2404
Contact Ken at 248-459-5511
Contact Tab at 734-735-3889
You can also learn more about Kirk, Tab and the First Commerce Financial Team at www.FirstCommerceFinancial.com
You can connect with them on Facebook at www.facebook.com/firstcommercefinancialfl
Follow them on Instagram at www.Instagram.com/FirstCommerceFinancial
The First Commerce Financial Team is also making it easy to see if it's time to refinance your current mortgage, or if they can put you into their system so that you can be notified when it's the perfect time, given your particular scenario. You can contact any member of the team.
Contact Kirk at 248-207-2404
Contact Ken at 248-459-5511
Contact Tab at 734-735-3889
You can also learn more about Kirk, Tab and the First Commerce Financial Team at www.FirstCommerceFinancial.com
You can connect with them on Facebook at www.facebook.com/firstcommercefinancialfl
Follow them on Instagram at www.Instagram.com/FirstCommerceFinancial
On this episode, the duo discusses the importance of saving your money when it comes to making that home purchase. Given that many people have been staying home for the past couple of months, saving habits (or spending habits, in some cases) have adjusted, depending on how you and your household operate. It's not only important for the down-payment, but also those unexpected expenses that may turn up (and they usually do) as a result of being a homeowner.
As mortgage professionals, the team at First Commerce Financial have made it their mission to help their clients build their net worth. They will take the time to go over a plan for you, that will help you, whether you are looking to purchase within the next 6 months, or 2 years from now.
The First Commerce Financial Team is also making it easy to see if it's time to refinance your current mortgage, or if they can put you into their system so that you can be notified when it's the perfect time, given your particular scenario. You can contact any member of the team.
Contact Kirk at 248-207-2404
Contact Ken at 248-459-5511
Contact Tab at 734-735-3889
You can also learn more about Kirk, Cass, Tab and the First Commerce Financial Team at www.FirstCommerceFinancial.com
You can connect with them on Facebook at www.facebook.com/firstcommercefinancialfl
Follow them on Instagram at www.Instagram.com/FirstCommerceFinancial
The First Commerce Financial Team is also making it easy to see if it's time to refinance your current mortgage, or if they can put you into their system so that you can be notified when it's the perfect time, given your particular scenario. You can contact any member of the team.
Contact Kirk at 248-207-2404
Contact Ken at 248-459-5511
Contact Tab at 734-735-3889
You can also learn more about Kirk, Cass, Tab and the First Commerce Financial Team at www.FirstCommerceFinancial.com
You can connect with them on Facebook at www.facebook.com/firstcommercefinancialfl
Follow them on Instagram at www.Instagram.com/FirstCommerceFinancial
While America is waiting to get back to normalcy, the First Commerce crew is still pushing forward to assist customers and our real estate partners with a tool that can help stay top of mind, while allowing them to see their home's worth, along with a variety of scenarios with their current mortgage.
The First Commerce Financial Team is also making it easy to see if it's time to refinance your current mortgage, or if they can put you into their system so that you can be notified when it's the perfect time, given your particular scenario. You can contact any member of the team.
Contact Kirk at 248-207-2404
Contact Ken at 248-459-5511
Contact Cass at 813-943-4663
Contact Tab at 734-735-3889
You can also learn more about Kirk, Cass, Tab and the First Commerce Financial Team at www.FirstCommerceFinancial.com
You can connect with them on Facebook at www.facebook.com/firstcommercefinancialfl
Follow them on Instagram at www.Instagram.com/FirstCommerceFinancial
The crew is answering your mortgage and refi questions on this episode. What is Forbearance Vs. Deferment? What steps should I take to refi or get a loan once this is over? Are property values going to be severely affected? Plus additional questions we took from our Facebook Live Stream.
The First Commerce Financial Team is also making it easy to see if it's time to refinance your current mortgage, or if they can put you into their system so that you can be notified when it's the perfect time, given your particular scenario. You can contact any member of the team.
Contact Kirk at 248-207-2404
Contact Ken at 248-459-5511
Contact Cass at 813-943-4663
Contact Tab at 734-735-3889
You can also learn more about Kirk, Cass, Tab and the First Commerce Financial Team at www.FirstCommerceFinancial.com
You can connect with them on Facebook at www.facebook.com/firstcommercefinancialfl
Follow them on Instagram at www.Instagram.com/FirstCommerceFinancial
You can also learn more about Kirk, Cass and the First Commerce Financial Team at www.FirstCommerceFinancial.com
You can connect with them on Facebook at www.facebook.com/firstcommercefinancialfl
Follow them on Instagram at www.Instagram.com/FirstCommerceFinancial
In this episode, Kirk, Cass & Tab discuss the advantages of working with a mortgage broker for your home loan or refinance, as opposed to going through a traditional banking institution. The crew breaks down some of the things a bank won't tell you during the process, and why you need to know them. In order to make the best decision possible (aka, saving money) these are some aspects that will help you.
You can also learn more about Kirk, Cass, Tab, and the First Commerce Financial Team at www.FirstCommerceFinancial.com
You can connect with them on Facebook at www.facebook.com/firstcommercefinancialfl
Follow them on Instagram at www.Instagram.com/FirstCommerceFinancial
Kirk, Cass, and Tab have recorded a brief podcast dedicated to this ongoing pandemic, as it pertains to the mortgage industry. While we know this has a much bigger impact on people's lives, businesses, etc., we wanted to at least address how it will affect our industry. Please be safe everyone.
You can also learn more about Kirk, Cass, Tab, and the First Commerce Financial Team at www.FirstCommerceFinancial.com
You can connect with them on Facebook at www.facebook.com/firstcommercefinancialfl
Follow them on Instagram at www.Instagram.com/FirstCommerceFinancial
You can also learn more about Kirk, Cass, Tab, and the First Commerce Financial Team at www.FirstCommerceFinancial.com
You can connect with them on Facebook at www.facebook.com/firstcommercefinancialfl
Follow them on Instagram at www.Instagram.com/FirstCommerceFinancial
On today's episode, we are talking about all things insurance as it relates to the home buying process, along with a few other tidbits. Julia also discusses how Dees Insurance Group came about, the history, and how things are moving forward.
To learn more about Dees, we invite you to check them out online. They are also some of the best in the business in getting their clients amazing insurance policies, while helping them save money along the way.
Visit them online at www.DeesInsurance.com
They are also very active on social media, providing tips, highlighting industry news, and so much more.
Follow them here on Instagram at www.instagram.com/deesinsurance/
Like them on Facebook at www.facebook.com/deesinsurance
You can also learn more about Kirk, Cass, Tab, and the First Commerce Financial Team at www.FirstCommerceFinancial.com
You can connect with them on Facebook at www.facebook.com/firstcommercefinancialfl
Follow them on Instagram at www.Instagram.com/FirstCommerceFinancial
The duo will go over a variety of scenarios they have dealt with in their own lives, along with those they've dealt with on a professional basis. Hopefully, the tips provided will help those in a relationship better prepare for when the time comes to purchase a home, secure a mortgage, and enter the next phase of their lives.
You can also learn more about Kirk, Cass, Tab, and the First Commerce Financial Team at www.FirstCommerceFinancial.com
You can connect with them on Facebook at www.facebook.com/firstcommercefinancialfl
Follow them on Instagram at www.Instagram.com/FirstCommerceFinancial
On this week's episode, we are joined by Ryan Owens, of Milestone Title Services in Tampa. He and the crew talk about the importance of using social media to dominate your market, and how he uses it in the Title Industry.
You can also learn more about Kirk, Cass, and the First Commerce Financial Team at www.FirstCommerceFinancial.com
You can connect with Ryan by phone at 813-727-4021
Or Follow him on Instagram @RemarketingRyan2020
You can connect with First Commerce Financial on Facebook at www.facebook.com/firstcommercefinancialfl
Follow them on Instagram at www.Instagram.com/FirstCommerceFinancial
On this week's episode, we introduce you to Tabatha Diedrich-Cummings, who is one of First Commerce Financial's Loan Originators, as well as Business Development Specialists. We take a look at her background, and get a better understanding of what brought her into the mortgage industry.
You can also learn more about Kirk, Cass, and the First Commerce Financial Team at www.FirstCommerceFinancial.com
You can connect with them on Facebook at www.facebook.com/firstcommercefinancialfl
Follow them on Instagram at www.Instagram.com/FirstCommerceFinancial
Some terms and concepts they go over to help you better understand...CD, Cash To Close and Funds Prepped for Closing.
You can also learn more about Kirk, Cass, and the First Commerce Financial Team at www.FirstCommerceFinancial.com
You can connect with them on Facebook at www.facebook.com/firstcommercefinancialfl
Follow them on Instagram at www.Instagram.com/FirstCommerceFinancial
Communication is still very much key at this stage of the game, so it's important that both sides be transparent. You may be presented with multiple loan options, and have the opportunity to review and choose the loan that works best for you.
You can also learn more about Kirk, Cass, and the First Commerce Financial Team at www.FirstCommerceFinancial.com
You can connect with them on Facebook at www.facebook.com/firstcommercefinancialfl
Follow them on Instagram at www.Instagram.com/FirstCommerceFinancial
Most people expect to get some rates and figures right off the bat. In order to provide a customer with the best information, it will require getting some information from them first. The hosts go over what you can expect so that you're prepared to have that conversation which should take about 15 minutes.
You can also learn more about Kirk, Cass, and the First Commerce Financial Team at www.FirstCommerceFinancial.com
You can connect with them on Facebook at www.facebook.com/firstcommercefinancialfl
Follow them on Instagram at www.Instagram.com/FirstCommerceFinancial
Kirk interviews Cass to let the audience know more about her background, along with her history with money. Everyone has a unique story with regards to managing money, dealing with debt, and building net worth.
You can also learn more about Kirk, Cass, and the First Commerce Financial Team at www.FirstCommerceFinancial.com
You can connect with them on Facebook at www.facebook.com/firstcommercefinancialfl
Follow them on Instagram at www.Instagram.com/FirstCommerceFinancial
You can also learn more about Kirk, Cass, and the First Commerce Financial Team at www.FirstCommerceFinancial.com
You can connect with them on Facebook at www.facebook.com/firstcommercefinancialfl
Follow them on Instagram at www.Instagram.com/FirstCommerceFinancial
You can also learn more about Kirk, Cass, and the First Commerce Financial Team at www.FirstCommerceFinancial.com
You can connect with them on Facebook at www.facebook.com/firstcommercefinancialfl
Follow them on Instagram at www.Instagram.com/FirstCommerceFinancial