Bill The Lender Podcast: Recent Episodes
Bill Rodriguez
Understanding your financial landscape can be complex and at times a bit scary. Bill Rodriguez, a seasoned mortgage loan officer with Cornerstone Home Lending, Inc has a passion for helping people understand all areas of their financial picture, which is why this podcast is dedicated to educating people about basic financial services with an emphasis on mortgages and real estate. Join Bill every week as he chats with other financial service advisors about all aspects of a healthy financial future.
In this episode, I sat down to chat with Ted Finn a local divorce attorney about protecting your personal and marital property before, during, and even after marriage.
In his many years of practicing the law, Ted has seen just about every situation that arises in marriage around money and assets. During our chat Ted explained, "if one person or the other wants to stay in the house, or if it was a property that was brought into the marriage, if it was a separate property that came by gift or inheritance, then we have to be thoughtful and mindful as we go through all of this and saying, Okay, how do we title things on the front end? If you're talking about pre-dissolution planning or even pre-marriage planning, you talked about do we keep separate app assets separate. is the application of a prenuptial agreement, something that we should be discussing? And is it something that can be done in Colorado? It can, but it requires some forethought. One of the things they talked about Colorado is that if you're doing it on the eve of marriage, it's likely not going to be enforceable."
Do you have questions about your property inside of a marriage or divorce? Contact Ted at 303-776-5380 to set up a personal meeting.
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Ted Finn and Flanders, Elsberg, Herber & Dunn, LLC are not affiliated with Cornerstone Home Lending. All information provided by guests is considered their own thoughts and opinions and does not necessarily reflect the opinions of Cornerstone Home Lending, its owners, or affiliates. Cornerstone Home Lending, a Division of Cornerstone Capital Bank, SSB. Cornerstone Capital Bank, SSB, Member FDIC. Company NMLS ID #2258 | www.nmlsconsumeraccess.org
In this episode, I share my thoughts on the importance of not being paralyzed by fear in the face of a challenging housing market, and some practical tips on how to approach an inflationary market with caution and still make a return on your investment.
You hear much in the media these days about the housing crisis and how inflation only makes things worse. While that is partly true, history and my personal experience tell me things aren't as doom and gloom as the media would have us believe.
In fact, historically during a recessionary period rates for housing tend to drop thus reducing some barriers to purchasing a new home and making it possible to refinance the real estate you already own.
In this episode, I sat down with realtor Heather McChesney to talk about how a realtor helps in the execution of an estate plan, what types of conversations families need to be having now, and some tips for how to have these conversations.
When it comes to estate planning, knowing what you are going to do is completely different from actually executing the plan. Heather shares her expertise and insights into how having a team that includes a realtor, is a way to help families ease the transition of the home. From what to fix to when to sell Heather and her team has it covered.
Are you looking to have a realtor as part of your family estate planning team? Contact Heather via email at Heather.McChesney@kw.com today! ___________________________
Heather McChesney and Keller Williams are not affiliated with Cornerstone Home Lending, Inc. All information provided by guests is considered their own thoughts and opinions and does not necessarily reflect the opinions of Cornerstone Home Lending Inc, its owners, or affiliates
In this episode of Bill the Lender Podcast, I sat down for a chat with a financial adviser and money mindset expert, Jodielynn Craven about making big financial decisions, like buying a home, when the media is trying to sell a state of fear. Practical tips and a process to reset your emotional state and create an abundance mindset that sees opportunity differently.
A money mindset is more than just believing you can make money. It's an entire blueprint for how you think and act around money. This is why Jodielynn calls it the Abundance Conscienceness and works with clients to create their fluid money blueprint. When it comes to purchasing a home or real estate for investment how you think and feel about money has as much to do with your outcomes as the amount of money you have in your bank.
Are you looking to improve your money mindset? Tap the link below to connect with Jodielynn today www.jodielynncraven.com
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Jodielynn Craven is not affiliated with Cornerstone Home Lending, Inc. All information provided by guests is considered their own thoughts and opinions and does not necessarily reflect the opinions of Cornerstone Home Lending Inc, its owners, or affiliates
In this episode, I share the difference between a buyer's market and a seller's market. How does that affect buyers and sellers in each of the different markets? I also share my thoughts on where the current market seems to be heading and why.
In this week's episode of Bill the Lender Podcast, I had a conversation with my friend Dan Grote, a financial advisor with latitude Financial Group, about the volatility of the market and how to create a balanced portfolio. Why do all types of investors need financial advice and the inflation-busting benefits of holding real estate inside your portfolio?
When talking on the subject of volatility Dan mused, "So I do think trying to keep our feet underneath us and keep our heads about us is important. And that that that does tap into that behavioral side of things, too. So that would be number one...don't panic, don't panic, it's the worst time to get off a roller coaster is in the middle of the ride. Ah, yes so don't don't panic."
Are you ready for a deeper conversation about money, investments, and personal goals? Email Dan at Dan@LatitudeFinancialGroup.com today to start the conversation!
Dan Grote is a registered representative with, and securities offered through LPL Financial, Member FINRA/SIPC. The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results. All indices are unmanaged and may not be invested directly Investments in real estate may be subject to a higher degree of market risk because of concentration in a specific industry, sector, or geographical sector. Other risks can include but are not limited to, declines in the value of the real estate, potential illiquidity, risks related to general and economic conditions, stage of development, and defaults by borrowers.
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Dan Grote, Latitude Financial Group, and LPL Financial Services are not affiliated with Cornerstone Home Lending, Inc. All information provided by guests is considered their own thoughts and opinions and does not necessarily reflect the opinions of Cornerstone Home Lending Inc, its owners, or affiliates
In this week's episode of Bill the Lender, I had a conversation with architect and builder Bill Moore of Sprocket Design and Build LLC where we talked about the stability of the housing market, what is causing the housing shortage, and affordable housing solutions. Bill Moore has been developing and building homes for over 20 years. In all that time he's seen a few tight markets, perceived shortages, and some crazy economic ups and downs.
Are you interested in Bill's latest projects? You can contact him at bmoore@sprocket-dp.com or visit his website at www.sprocket-dp.com for more information
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Bill Moore, AIA, and Sprocket Design and Planning are not affiliated with Cornerstone Home Lending, Inc. All information provided by guests is considered their own thoughts and opinions and does not necessarily reflect the opinions of Cornerstone Home Lending Inc, its owners, or affiliates
In this episode of Bill the Lender Podcast, I had a conversation with attorney Dan Kapsak, about removing heartburn from estate planning, titling alternatives to joint tenants when buying a home with someone else, and Dan breaks down how to pass on real estate after you pass on.
Are you ready to start or update your estate plan? Call Dan at (303) 651-9330 or visit https://kapsakestes.com/ for more information.
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Daniel Kapask and Kapsak Estes LLC are not affiliated with Cornerstone Home Lending, Inc. All information provided by guests is considered their own thoughts and opinions and does not necessarily reflect the opinions of Cornerstone Home Lending Inc, its owners, or affiliates
In this episode, I sat down for a conversation with investor-friendly realtor, Jenny Bayless. We chatted about the benefits of investing in real estate and why purchasing in CO still makes sense despite tight inventory and rising interest rates.
Are you looking for advice about home purchasing strategies in Colorado and Colorado Springs? schedule a FREE consultation with Jenny today. Tap here to schedule a complimentary consult.
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Jenny Bayless and Envision Advisors are not affiliated with Cornerstone Home Lending, Inc. All information provided by guests is considered their own thoughts and opinions and does not necessarily reflect the opinions of Cornerstone Home Lending Inc, its owners, or affiliates
In this episode of Bill The Lender Podcast, I sat down for a friendly chat with a fellow loan officer, Kayla Johnson from First Bank. We talked about our referral relationship, the advantages a local bank offers borrowers, and how First Bank's niche market helps other professionals.
Are you looking to partner or connect with a local bank? Reach out to Kayla via email at kayla.johnson@efirstbank.com today. Make sure to mention you heard her here on Bill the Lender podcast.
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Do you have mortgage questions or comments about the podcast? Please reach out to me, Bill Rodriguez, at 303-877-6323
In this episode, I sat down for a chat about all things home insurance-related with Farmers agent Tim Stuber. During our conversation, we covered the importance of keeping your home value in line with your insurance, why the best price might not be the best coverage, and some commonly missed items people forget in their home coverage.
Are you in Colorado and curious if your coverages are up to date? Tap the link to get connected with Tim for a FREE review of your insurance needs and coverages. https://agents.farmers.com/co/broomfield/tim-stuber
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The Tim Stuber Agency and Farmers Insurance are not affiliated with Cornerstone Home Lending, Inc. All information provided by guests is considered their own thoughts and opinions and does not necessarily reflect the opinions of Cornerstone Home Lending Inc, its owners, or affiliates
In this second part of my two-part episode on the 5 areas of loan approval, I share my insights into two additional factors of loan approval, assets and collateral.
While each borrower's situation is unique, the assets they bring to the table go a long way in helping the underwriter decide to approve or deny the loan application. If you don't have many assets, fear not, this area is typically for investors and not a requirement for all types of borrowers. I also dive into the collateral which is the actual property you are purchasing.
These two areas are often overlooked by borrowers but it's important to understand them as they do go into the decision making process for loan approval.
Are you curious about how these factors affect your personal loan approval process? Please contact me directly with questions you may have about your unique situation. I can be reached at 303-877-6323 or you can learn more at www.BillTheLender.com
In this first part of my two-part episode on the 5 areas of loan approval, I share my insights into three areas that are important to understand for loan approval. While every person's situation is different, there are a few overarching concepts that help people understand the loan approval process. In this first part I cover in detail how your credit, income, and job stability play into your loan approval.
Make sure to tune in next week when I cover the other two factors of loan approval: Assets and Collateral
Are you curious about how these three factors affect your personal loan approval process? Please contact me directly with questions you may have about your unique situation. I can be reached at 303-877-6323 or you can learn more at www.BillTheLender.com
In this episode of Bill the Lender, I debunk 3 popular myths about the current housing supply shortage and why we aren't in a housing bubble like we have seen in the past.
The three myths I tackle are:
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Why the current housing bubble/situation is not the same or similar to what we saw in 2008
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Why there won't be a surplus of foreclosures to help with the current inventory shortages
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Why we can't build our way out of the current housing supply issues.
If you are looking to get into the market, make a move, or just have general questions please reach out to me at https://billthelender.com/. You can also call/text me at 303-877-6323
Resource list:
https://www.cnbc.com/2021/12/02/covid-mortgage-bailouts-expire-thousands-could-lose-or-sell-homes.html https://www.forbes.com/sites/stephenmcbride1/2019/10/14/the-biggest-housing-boom-in-history-has-just-begun/?sh=19cf20be25b0 https://www.businessinsider.com/housing-shortage-real-estate-inventory-foreclosures-builders-millennials-goldman-sachs-2021-5 https://www.nar.realtor/newsroom/nar-report-shows-share-of-millennial-home-buyers-continues-to-rise https://www.npr.org/2021/09/04/1033585422/the-housing-shortage-is-significant-its-acute-for-small-entry-level-homes
https://www.nar.realtor/sites/default/files/documents/2021-home-buyers-and-sellers-generational-trends-03-16-2021.pdf
In this episode of Bill the Lender Podcast, I sat down and had a conversation with attorney Sam Kornfeld about the importance of creating an estate plan, what to consider when making a plan, and why having a plan is not just for the wealthy.
If you have a family especially with little children, a home, and other assets to protect you may want to consider getting your estate plan in place before an unimaginable event occurs.
Are you in Colorado or Wyoming and have questions about estate planning?
Reach out to Sam today at sam@keeplawfirm.com
Learn more: https://www.keeplawfirm.com/
Keep Law firm is not affiliated with Cornerstone Home Lending, Inc. All information provided by guests is considered their own thoughts and opinions and does not necessarily reflect the opinions of Cornerstone Home Lending Inc, its owners, or affiliates.