MLO | Mortgage & Real Estate Podcast: Recent Episodes
MLO Show
Learn How to Win the Mortgage Game when Buying, Selling or Refinancing MLO (Modern Loan Officer) one of the fastest growing Financial Podcasts. MLO focuses on assisting everyone in winning the Mortgage game. If you are planning to Buy, Sell or Refinance your Home this is Podcast to follow. Hosted by Licensed Mortgage Advisor Addison Nett (Addy Nett) NMLS 1542184 © License # ML-3547 New American Funding. New American and New American Funding are registered trademarks of Broker Solutions Inc. dba New American Funding (NMLS #6606). All Rights Reserved. Corporate Office is located at 14511 Myford Road, Suite 100, Tustin CA 92780. Phone (800) 450-2010.
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Addy & Casey discuss their favorite tips and tricks to combat the pitfalls of inflation.
Mikal Mele
Loan Officer & Mortgage Advisor
NMLS 963197
Casey Carpenter
Loan Officer & Mortgage Advisor
NMLS 1458123
Addy Nett
Loan Officer & Mortgage Advisor
NMLS 1542184
Not a commitment to Lock or Lend. Terms and conditions apply. Not all applicants will qualify. Mortgage Express, LLC. is an Equal Housing Lender. Company ID# 40831
Send us a text
After a long break and a physical move of our studio, MLO is back and with a new Co-Host, Mikal Mele. Our director and President of Mortgage Express welcomes us to our new home and then we dive into some brewing topics within Real Estate & Mortgage:
Refinancing: what to know and the importance of breakeven points
Social Media Content from Realtors and Mortgage Lenders (what can you believe?)
Election Period and 2025 FED/Interest Rate Predictions
Mikal Mele
Loan Officer & Mortgage Advisor
NMLS 963197
Casey Carpenter
Loan Officer & Mortgage Advisor
NMLS 1458123
Addy Nett
Loan Officer & Mortgage Advisor
NMLS 1542184
Mortgage Express, LLC NMLS ID 40831 | Equal Housing Lender
Not a commitment to lock or lend. Terms and conditions apply. Not all applicants will qualify. Licensed in OR/WA/CA/AZ/ID with licensing in California by the Department of Financial Protection and Innovation (DFPI) under the Residential Mortgage Act. Questions and concerns may be directed to our Corporate Office or customerservice@mtgxps.com. Visit www.nmlsconsumeraccess.org for more information.
Send us a text
The MLO crew dives into some creative alternative financing options. Specifically geared towards bank statement loans, self employed individuals and Military Veterans.
Mikal Mele
Loan Officer & Mortgage Advisor
NMLS 963197
Casey Carpenter
Loan Officer & Mortgage Advisor
NMLS 1458123
Addy Nett
Loan Officer & Mortgage Advisor
NMLS 1542184
Mortgage Express, LLC NMLS ID 40831 | Equal Housing Lender
Not a commitment to lock or lend. Terms and conditions apply. Not all applicants will qualify. Licensed in OR/WA/CA/AZ/ID with licensing in California by the Department of Financial Protection and Innovation (DFPI) under the Residential Mortgage Act. Questions and concerns may be directed to our Corporate Office or customerservice@mtgxps.com. Visit www.nmlsconsumeraccess.org for more information.
Send us a text
Post Fed Meeting discussing between Mikal, Casey and Addy. Reviewing the impact on the recent reduction of interest rates and how to create a strategy to survive 2025.
Mikal Mele
Loan Officer & Mortgage Advisor
NMLS 963197
Casey Carpenter
Loan Officer & Mortgage Advisor
NMLS 1458123
Addy Nett
Loan Officer & Mortgage Advisor
NMLS 1542184
Mortgage Express, LLC NMLS ID 40831 | Equal Housing Lender
Not a commitment to lock or lend. Terms and conditions apply. Not all applicants will qualify. Licensed in OR/WA/CA/AZ/ID with licensing in California by the Department of Financial Protection and Innovation (DFPI) under the Residential Mortgage Act. Questions and concerns may be directed to our Corporate Office or customerservice@mtgxps.com. Visit www.nmlsconsumeraccess.org for more information.
Breaking down the details of work history - self employed, W2, job changes, etc. - and how they impact a loan approval.
Addison Nett
Mortgage Loan Originator
NMLS 1542184
New American Funding
Website/Contact
https://www.newamericanfunding.com/mortgage-loans/addisonnett
Casey Carpenter
Mortgage Loan Originator
NMLS 1548123
New American Funding
Website/Contact
https://www.newamericanfunding.com/mortgage-loans/caseycarpenter
New American Funding NMLS #6606
© 2024 New American Funding, LLC. All Rights Reserved
NMLS Website:
https://www.nmlsconsumeraccess.org/
How to avoid getting blindsided in the home buying process.
Addison Nett
Mortgage Loan Originator
NMLS 1542184
New American Funding
Website/Contact
https://www.newamericanfunding.com/mortgage-loans/addisonnett
Casey Carpenter
Mortgage Loan Originator
NMLS 1548123
New American Funding
Website/Contact
https://www.newamericanfunding.com/mortgage-loans/caseycarpenter
New American Funding NMLS #6606
© 2024 New American Funding, LLC. All Rights Reserved
NMLS Website:
https://www.nmlsconsumeraccess.org/
Media adds to the confusion with their highlights, low lights and interpretations.
The big news. What you need to know and what you should probably forgot.
Addison Nett
Mortgage Loan Originator
NMLS 1542184
New American Funding
Website/Contact
https://www.newamericanfunding.com/mortgage-loans/addisonnett
Casey Carpenter
Mortgage Loan Originator
NMLS 1548123
New American Funding
Website/Contact
https://www.newamericanfunding.com/mortgage-loans/caseycarpenter
New American Funding NMLS #6606
© 2024 New American Funding, LLC. All Rights Reserved
NMLS Website:
https://www.nmlsconsumeraccess.org/
Job Report Data
Inflation Figures
Election Period
All Time Credit Card Debt
Managing your Budget
Addison Nett
Mortgage Loan Originator
NMLS 1542184
New American Funding
Website/Contact
https://www.newamericanfunding.com/mortgage-loans/addisonnett
Casey Carpenter
Mortgage Loan Originator
NMLS 1548123
New American Funding
Website/Contact
https://www.newamericanfunding.com/mortgage-loans/caseycarpenter
New American Funding NMLS #6606
© 2024 New American Funding, LLC. All Rights Reserved
NMLS Website:
https://www.nmlsconsumeraccess.org/
Good - Bad - Ugly
What is a contingent offer?
What are my alternative options?
Milestones to be aware of that could save you thousands?
Bonus: 5 maintenance tips to save you money when you sell.
Addison Nett
Mortgage Loan Originator
NMLS 1542184
New American Funding
Website/Contact
https://www.newamericanfunding.com/mortgage-loans/addisonnett
Casey Carpenter
Mortgage Loan Originator
NMLS 1548123
New American Funding
Website/Contact
https://www.newamericanfunding.com/mortgage-loans/caseycarpenter
New American Funding NMLS #6606
© 2024 New American Funding, LLC. All Rights Reserved
NMLS Website:
https://www.nmlsconsumeraccess.org/
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Impacts of credit and how to manage
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Small steps toward better financial health
Addison Nett
Mortgage Loan Originator
NMLS 1542184
New American Funding
Website/Contact
https://www.newamericanfunding.com/mortgage-loans/addisonnett
Casey Carpenter
Mortgage Loan Originator
NMLS 1548123
New American Funding
Website/Contact
https://www.newamericanfunding.com/mortgage-loans/caseycarpenter
New American Funding NMLS #6606
© 2024 New American Funding, LLC. All Rights Reserved
NMLS Website:
https://www.nmlsconsumeraccess.org/
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Is the data completely manipulated?
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What to expect moving forward
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Wait or take action?
Addison Nett
Mortgage Loan Originator
NMLS 1542184
New American Funding
Website/Contact
https://www.newamericanfunding.com/mortgage-loans/addisonnett
Casey Carpenter
Mortgage Loan Originator
NMLS 1548123
New American Funding
Website/Contact
https://www.newamericanfunding.com/mortgage-loans/caseycarpenter
New American Funding NMLS #6606
© 2024 New American Funding, LLC. All Rights Reserved
NMLS Website:
https://www.nmlsconsumeraccess.org/
New Program allowing kids to buy homes for their parents!?
Highest Credit Scores we have ever seen….but there’s bad news
New Options for Bridge Loans and Re-Casting of your mortgage to reduce payments
Addison Nett
Mortgage Loan Originator
NMLS 1542184
New American Funding
Website/Contact
https://www.newamericanfunding.com/mortgage-loans/addisonnett
Casey Carpenter
Mortgage Loan Originator
NMLS 1548123
New American Funding
Website/Contact
https://www.newamericanfunding.com/mortgage-loans/caseycarpenter
New American Funding NMLS #6606
© 2024 New American Funding, LLC. All Rights Reserved
NMLS Website:
https://www.nmlsconsumeraccess.org/
What to expect post FED's meeting
Most commonly asked questions this week:
- Renovation Loans
- Waiting or Buying Now
- Refinancing and Credit Card Debt
- Build Your Own Home???
Addison Nett
Mortgage Loan Originator
NMLS 1542184
New American Funding
Website/Contact
https://www.newamericanfunding.com/mortgage-loans/addisonnett
Casey Carpenter
Mortgage Loan Originator
NMLS 1548123
New American Funding
Website/Contact
https://www.newamericanfunding.com/mortgage-loans/caseycarpenter
New American Funding NMLS #6606
© 2024 New American Funding, LLC. All Rights Reserved
NMLS Website:
https://www.nmlsconsumeraccess.org/
When should we refinance?
What should we monitor when it comes to your debt and credit?
Positive Financial Mindset in 2024?
Small changes add up to big impacts.
Addison Nett
Mortgage Loan Originator
NMLS 1542184
New American Funding
Website/Contact
https://www.newamericanfunding.com/mortgage-loans/addisonnett
Casey Carpenter
Mortgage Loan Originator
NMLS 1548123
New American Funding
Website/Contact
https://www.newamericanfunding.com/mortgage-loans/caseycarpenter
New American Funding NMLS #6606
© 2024 New American Funding, LLC. All Rights Reserved
NMLS Website:
https://www.nmlsconsumeraccess.org/
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Volatile Interest Rate Environment. Ups and downs, also an election
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Financial Awareness. Budgeting, credit scores, credit cards. Waiting to refinance.
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Finances and Lifestyle. Do you need a second job or a second look at your spending
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Should I wait or make the jump in 2024. Government loans, dependencies on seller credits for closing costs, zero down loans etc.
Addison Nett
Mortgage Loan Originator
NMLS 1542184
New American Funding
Website/Contact
https://www.newamericanfunding.com/mortgage-loans/addisonnett
Casey Carpenter
Mortgage Loan Originator
NMLS 1548123
New American Funding
Website/Contact
https://www.newamericanfunding.com/mortgage-loans/caseycarpenter
New American Funding NMLS #6606
© 2023 New American Funding, LLC. All Rights Reserved
NMLS Website:
https://www.nmlsconsumeraccess.org/
Special Guest: Craig Black
What is an appraisal?
Major differences in FHA/VA/Conventional appraisals
Subject to repairs, things sellers can to to prevent needing repairs
Comps: how far back and what qualifies as a comparable sale?
How many comps are required? Is this different for refi or purchase?
What is your prediction for the future of appraisals? Will automation play a role? Will human appraisers still be used?
Addison Nett
Mortgage Loan Originator
NMLS 1542184
New American Funding
Website/Contact
https://www.newamericanfunding.com/mortgage-loans/addisonnett
Casey Carpenter
Mortgage Loan Originator
NMLS 1548123
New American Funding
Website/Contact
https://www.newamericanfunding.com/mortgage-loans/caseycarpenter
New American Funding NMLS #6606
© 2023 New American Funding, LLC. All Rights Reserved
NMLS Website:
https://www.nmlsconsumeraccess.org/
Special Guest Tyler Ross
1.) Why do insurance costs continue to soar.
2.) How insurance can terminate transactions and prevent you from buying a home.
3.) Your personal insurance credit score?
4.) Is it better to get a deal or pay full premium. Tips and tricks from Tyler
Addison Nett
Mortgage Loan Originator
NMLS 1542184
New American Funding
Website/Contact
https://www.newamericanfunding.com/mortgage-loans/addisonnett
Casey Carpenter
Mortgage Loan Originator
NMLS 1548123
New American Funding
Website/Contact
https://www.newamericanfunding.com/mortgage-loans/caseycarpenter
New American Funding NMLS #6606
© 2023 New American Funding, LLC. All Rights Reserved
NMLS Website:
https://www.nmlsconsumeraccess.org/
Special Guest Jennifer Blankl
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How does money impact our emotions, mindset and relationships
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Different Perspectives and different Human Needs
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Resentment playing a role in how we spend our money
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Rich vs. Poor
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Culture in this Country & Family Dynamics
Link for Jenn’s Human Needs Evaluation Quiz
https://jenniferblankl.com
Addison Nett
Mortgage Loan Originator
NMLS 1542184
New American Funding
Website/Contact
https://www.newamericanfunding.com/mortgage-loans/addisonnett
Casey Carpenter
Mortgage Loan Originator
NMLS 1548123
New American Funding
Website/Contact
https://www.newamericanfunding.com/mortgage-loans/caseycarpenter
New American Funding NMLS #6606
© 2023 New American Funding, LLC. All Rights Reserved
NMLS Website:
https://www.nmlsconsumeraccess.org/
What is an overlay? Why do I get two different answers from two different companies?
Addison Nett
Mortgage Loan Originator
NMLS 1542184
New American Funding
Website/Contact
https://www.newamericanfunding.com/mortgage-loans/addisonnett
Casey Carpenter
Mortgage Loan Originator
NMLS 1548123
New American Funding
Website/Contact
https://www.newamericanfunding.com/mortgage-loans/caseycarpenter
Scott Kurahara
Mortgage Loan Originator
NMLS 888734
New American Funding
Website/Contact
https://www.newamericanfunding.com/mortgage-loans/scottkurahara
New American Funding NMLS #6606
© 2023 New American Funding, LLC. All Rights Reserved
NMLS Website:
https://www.nmlsconsumeraccess.org/
The 2024 new conventional loan limits are now accessible in October of 2023. What you need to know from the fine print.
Jumbo vs Conventional Loan
Guidelines and qualifications. The breakdowns of buying a very expensive house and how to qualify for it.
Setting a budget to have the least amount of competition when buying a home.
Addison Nett
Mortgage Loan Originator
NMLS 1542184
New American Funding
Website/Contact
https://www.newamericanfunding.com/mortgage-loans/addisonnett
Casey Carpenter
Mortgage Loan Originator
NMLS 1548123
New American Funding
Website/Contact
https://www.newamericanfunding.com/mortgage-loans/caseycarpenter
New American Funding NMLS #6606
© 2023 New American Funding, LLC. All Rights Reserved
NMLS Website:
https://www.nmlsconsumeraccess.org/
Below are the main topics Carp and Addy cover in today’s POD.
Holiday Budgeting
Holidays are around the corner. Thoughts on budgeting and how to use your money to make you money.
Condos & HOAs
What to know about condos and how HOAs work. Seems bad but could be a good thing.
Bad Pre Approvals
Breaking down the most common issues with people not getting pre approved or having a bad approval prior to buying a house.
Addison Nett
Mortgage Loan Originator
NMLS 1542184
New American Funding
Website/Contact
https://www.newamericanfunding.com/mortgage-loans/addisonnett
Casey Carpenter
Mortgage Loan Originator
NMLS 1548123
New American Funding
Website/Contact
https://www.newamericanfunding.com/mortgage-loans/caseycarpenter
New American Funding NMLS #6606
© 2023 New American Funding, LLC. All Rights Reserved
NMLS Website:
https://www.nmlsconsumeraccess.org/
Student Loans, back to paying. How this impacts the pre approval process when buying a home
Home equity lines of credit vs. Home equity loans.
You options to potentially consolidate your debt using your home equity.
Addison Nett
Mortgage Loan Originator
NMLS 1542184
New American Funding
Website/Contact
https://www.newamericanfunding.com/mortgage-loans/addisonnett
New American Funding NMLS #6606
© 2023 New American Funding, LLC. All Rights Reserved
NMLS Website:
https://www.nmlsconsumeraccess.org/
Part 1. Large percent of Listings are due to employers demanding people to be back in the office. Remote work approvals and the details that must be verified.
Part 2. Real Estate Investors pull back. Can’t remember the last time I saw a successful flip.
Addison Nett
Mortgage Loan Originator
NMLS 1542184
New American Funding
Website/Contact
https://www.newamericanfunding.com/mortgage-loans/addisonnett
Casey Carpenter
Mortgage Loan Originator
NMLS 1548123
New American Funding
Website/Contact
https://www.newamericanfunding.com/mortgage-loans/caseycarpenter
New American Funding NMLS #6606
© 2023 New American Funding, LLC. All Rights Reserved
NMLS Website:
https://www.nmlsconsumeraccess.org/
Part 1. Differences in offer negotiating price and closing costs now compared to Hot markets.
Part 2. Inspection periods: finally, fix it or get paid
Part 3. Appraisals and the final re-negotiation
Part 4. New Construction: beware
Addy Nett
NMLS 1542184
Website/Contact
https://www.newamericanfunding.com/mortgage-loans/addisonnett
Casey Carpenter
NMLS 1548123
Website/Contact
https://www.newamericanfunding.com/mortgage-loans/caseycarpenter
Part 1
What will happen when rates drop?
Part 2
Don’t wait for the interest rate you want
Part 3
Appraisal Issues in certain markets and a particular price point.
Addy Nett
NMLS 1542184
Website/Contact
https://www.newamericanfunding.com/mortgage-loans/addisonnett
Casey Carpenter
NMLS 1548123
Website/Contact
https://www.newamericanfunding.com/mortgage-loans/caseycarpenter
Part 1
Homeowners are applying for equity lines of credit without success.
Part 2
There’s a difference between what your home is worth if you sell it and if you are attempting to extract equity.
Part 3
Credit card balance issues continue across America. What you need to know and how to manage your debt and position.
Part 4
The government revised their GDP numbers. Does this give us hope or evidence of corruption?
Addy Nett
NMLS 1542184
Website/Contact
https://www.newamericanfunding.com/mortgage-loans/addisonnett
Casey Carpenter
NMLS 1548123
Website/Contact
https://www.newamericanfunding.com/mortgage-loans/caseycarpenter
Today, Casey and Addy chat through some of the current Media Negativity towards Real Estate and Interest Rates. This episode focuses on explaining the negative media and dumbing down the industry’s emotions into actionable tips you can use today.
Addy Nett
NMLS 1542184
Website/Contact
https://www.newamericanfunding.com/mortgage-loans/addisonnett
Casey Carpenter
NMLS 1548123
Website/Contact
https://www.newamericanfunding.com/mortgage-loans/caseycarpenter
Casey and Addy chat through the dos, do nots, and best mindset when considering how to spend your money when it comes to home improvement projects.
Addy Nett
NMLS 1542184
Website/Contact
https://www.newamericanfunding.com/mortgage-loans/addisonnett
Casey Carpenter
NMLS 1548123
Website/Contact
https://www.newamericanfunding.com/mortgage-loans/caseycarpenter
Casey and Addy discussing the current buyers and sellers closing in the market. Why are these buyers moving and how are they finding cash to buy?
Addy Nett
NMLS 1542184
Website/Contact
https://www.newamericanfunding.com/mortgage-loans/addisonnett
Casey Carpenter
NMLS 1548123
Website/Contact
https://www.newamericanfunding.com/mortgage-loans/caseycarpenter
Casey and Addy discuss Debt Ceiling Drama. Does it impact Real Estate and Mortgage or is it just media drama? What to do with your money when you are waiting on the sidelines and much more from the MLO team today.
Addy Nett
NMLS 1542184
Website/Contact
https://www.newamericanfunding.com/mortgage-loans/addisonnett
Casey Carpenter
NMLS 1548123
Website/Contact
https://www.newamericanfunding.com/mortgage-loans/caseycarpenter
In the episode we are breaking down the most common reasons Real Estate Transactions fall apart. This insight can bring valuable tips on how to prevent you from not getting your home and washing money down the drain!
Addy Nett
NMLS 1542184
Website/Contact
https://www.newamericanfunding.com/mortgage-loans/addisonnett
Casey Carpenter
NMLS 1548123
Website/Contact
https://www.newamericanfunding.com/mortgage-loans/caseycarpenter
Over the past 12 months we have seen closing costs nearly double. This could add an additional 5k-10k to the overall cost to purchase a home. Addy and Casey go over different approaches to potentially save thousands of dollars on your closings costs as well as positioning yourself to have a more competitive offer!
Addy Nett
NMLS 1542184
Website/Contact
https://www.newamericanfunding.com/mortgage-loans/addisonnett
Casey Carpenter
NMLS 1548123
Website/Contact
https://www.newamericanfunding.com/mortgage-loans/caseycarpenter
Hey everyone, sorry for the being away. MLO crew has been traveling and absorbed with this crazy market. Today Casey and Addy go over the market update with higher interest rates, pro tips on buying and selling as well as the warnings of buying New Construction Homes!
Addy Nett
NMLS 1542184
Website/Contact
https://www.newamericanfunding.com/mortgage-loans/addisonnett
Casey Carpenter
NMLS 1548123
Website/Contact
https://www.newamericanfunding.com/mortgage-loans/caseycarpenter
In this episode we discuss the biggest changes in Real Estate since the PANDEMIC years of fire and chaos. These 5 points could be the reason you should wait or push up your timeline to purchase a property.
Addy Nett
NMLS 1542184
Website/Contact
https://www.newamericanfunding.com/mortgage-loans/addisonnett
Casey Carpenter
NMLS 1548123
Website/Contact
https://www.newamericanfunding.com/mortgage-loans/caseycarpenter
Scott Kurahara
NMLS 888734
Website/ Contact
https://www.newamericanfunding.com/mortgage-loans/scottkurahara
Mixing up today's topic with a broader stroke. Money saving, money management and money mindset. This episode is relatable for all people.
All three guests are not financial advisors. They are speaking from personal experience themselves with light from a combined decades of mortgage and real estate experience.
Addy Nett
NMLS 1542184
Website/Contact
https://www.newamericanfunding.com/mortgage-loans/addisonnett
Casey Carpenter
NMLS 1548123
Website/Contact
https://www.newamericanfunding.com/mortgage-loans/caseycarpenter
Scott Kurahara
NMLS 888734
Website/ Contact
https://www.newamericanfunding.com/mortgage-loans/scottkurahara
Down Payment Assistance Loans? The good, the bad and the ugly. Today the MLO squad breaks down all you need to know about Down Payment Assistance Loan Programs.
Addy Nett
NMLS 1542184
Website/Contact
https://www.newamericanfunding.com/mortgage-loans/addisonnett
Casey Carpenter
NMLS 1548123
Website/Contact
https://www.newamericanfunding.com/mortgage-loans/caseycarpenter
Scott Kurahara
NMLS 888734
Website/ Contact
https://www.newamericanfunding.com/mortgage-loans/scottkurahara
Today we are talking about the most common myths of real estate. Unfortunately, what you heard at that back yard BBQ might not be true!Addy Nett
Addy Nett
NMLS 1542184
Website/Contact
https://www.newamericanfunding.com/mortgage-loans/addisonnett
Casey Carpenter
NMLS 1548123
Website/Contact
https://www.newamericanfunding.com/mortgage-loans/caseycarpenter
Scott Kurahara
NMLS 888734
Website/ Contact
https://www.newamericanfunding.com/mortgage-loans/scottkurahara
Very common scenario in this buyers market. How to I buy without selling. Addy, Casey and Scott breakdown the options, tips and strategies to leverage your current asset and income and buy that new home without selling your current property.
Addy Nett
NMLS 1542184
https://www.newamericanfunding.com/mortgage-loans/addisonnett
Casey Carpenter
NMLS 1548123
Website/Contact
https://www.newamericanfunding.com/mortgage-loans/caseycarpenter
Scott Kurahara
NMLS 888734
Website/ Contact
https://www.newamericanfunding.com/mortgage-loans/scottkurahara
Inflation. This word is nearing the status of a broken record. However, it hasn't even come close to its full impact on the US economy. With record spending and soaring costs of goods. Addy & Dan breakdown 5 tips to combat inflation.
Are you a new looking to buy, sell or refinance? We are excited to Help, it is never too early to book a strategy session and build out a plan for your next property! Schedule Here:
Need to Refinance or Get Pre Approved Now! Click to Get Started Online Today!
Need Resources / Tools / Videos? Visit our Website: Addy Nett
📲 Have Questions? Call OR Text our VIP Hotline! (503) 847-9038
🔊 The MLO Show is also available on all major podcast platforms. Be sure to subscribe to get all your favorite content at your fingertips!
✅ Guests are NMLS Licensed Mortgage Advisors:
🎙 Addison Nett NMLS 1542184
🎙 Dan Keller NMLS 115349
Additional Company Notes:
Broker Solutions Inc. dba New American Funding is a direct lender offering home loan programs | NMLS ID #6606 | This is not a commitment to Lend. All scenarios are subject to approval, loan program, and underwriting decisions. New American Funding is an Equal Opportunity Lender
Often we spend all of our time, money and energy finding preparing for buying another property, researching the listings, saving money for downpayment etc.
However, what are the hidden costs of homeownership families forget to factor into their finances. Dan & Addy run through 5 hidden costs everyone should consider when owning properties.
Are you a new looking to buy, sell or refinance? We are excited to Help, it is never too early to book a strategy session and build out a plan for your next property! Schedule Here:
Need to Refinance or Get Pre Approved Now! Click to Get Started Online Today!
Need Resources / Tools / Videos? Visit our Website: Addy Nett
📲 Have Questions? Call OR Text our VIP Hotline! (503) 847-9038
🔊 The MLO Show is also available on all major podcast platforms. Be sure to subscribe to get all your favorite content at your fingertips!
✅ Guests are NMLS Licensed Mortgage Advisors:
🎙 Addison Nett NMLS 1542184
🎙 Dan Keller NMLS 115349
Additional Company Notes:
Broker Solutions Inc. dba New American Funding is a direct lender offering home loan programs | NMLS ID #6606 | This is not a commitment to Lend. All scenarios are subject to approval, loan program, and underwriting decisions. New American Funding is an Equal Opportunity Lender
If you haven't listened to our episode "I'm stuck" you might want to listen to that episode prior to this one as it is the part 2 of the contingency discussion with Heather Listy. In this episode, the strategy of converting contingent buyers into Cash Buyers is broken down with the new loan program "Buyer Accept".
This allows families to get pre approved with a Cash Line of Purchasing, move into the new home and then list and the home they formally occupied. We believe this solution to home purchasing will continue to create an amazing solution for those buyers and movers that are stuck!
We are excited to Help, it is never too early to book a strategy session and build out a plan for your next property! Schedule Here:
Need to Refinance or Get Pre Approved Now! Click to Get Started Online Today!
Need Resources / Tools / Videos? Visit our Website: Addy Nett
📲 Have Questions? Call OR Text our VIP Hotline! (503) 847-9038
🔊 The MLO Show is also available on all major podcast platforms. Be sure to subscribe to get all your favorite content at your fingertips!
✅ Host Addy Nett is a NMLS Licensed Mortgage Advisor:
🎙 Addison Nett NMLS 1542184
Guest Heather Listy is a Licensed Realtor MLS #201244396
🎙 Heather Listy eXp Realty
Email Heather heather@realagentnow.com
Additional Company Notes:
Broker Solutions Inc. dba New American Funding is a direct lender offering home loan programs | NMLS ID #6606 | This is not a commitment to Lend. All scenarios are subject to approval, loan program, and underwriting decisions. New American Funding is an Equal Opportunity Lender
Regardless of your timeline for purchasing your next home. Your Credit Score arguably plays the largest role to what financing terms and options will be available to you! In this episode Addy and Dan Keller run through the 5 Biggest Factors that determine your credit score. How is your credit determined?
What can you do now to continue or improve your Credit Score trajectory?
What personal approaches do Dan and Addy take on a daily basis to keep their credit scores in the optimal position to be leveraged?
We are excited to Help, it is never too early to book a strategy session and build out a plan for your next property! Schedule Here:
Need to Refinance or Get Pre Approved Now! Click to Get Started Online Today!
Need Resources / Tools / Videos? Visit our Website: Addy Nett
📲 Have Questions? Call OR Text our VIP Hotline! (503) 847-9038
🔊 The MLO Show is also available on all major podcast platforms. Be sure to subscribe to get all your favorite content at your fingertips!
✅ Guests are NMLS Licensed Mortgage Advisors:
🎙 Addison Nett NMLS 1542184
🎙 Dan Keller NMLS 115349
Additional Company Notes:
Broker Solutions Inc. dba New American Funding is a direct lender offering home loan programs | NMLS ID #6606 | This is not a commitment to Lend. All scenarios are subject to approval, loan program, and underwriting decisions. New American Funding is an Equal Opportunity Lender
Many homeowners paint themselves into a corner and feel stuck when they are dependent on selling their home in order to qualify to purchase a new home. Today we bring back Heather Listy to discuss the options to make a contingent offer work and what new strategies have been successful over the last few years as the Real Estate Market shows zero signs of slowing down.
We are excited to Help, it is never too early to book a strategy session and build out a plan for your next property! Schedule Here:
Need to Refinance or Get Pre Approved Now! Click to Get Started Online Today!
Need Resources / Tools / Videos? Visit our Website: Addy Nett
📲 Have Questions? Call OR Text our VIP Hotline! (503) 847-9038
🔊 The MLO Show is also available on all major podcast platforms. Be sure to subscribe to get all your favorite content at your fingertips!
✅ Host Addy Nett is a NMLS Licensed Mortgage Advisor:
🎙 Addison Nett NMLS 1542184
Guest Heather Listy is a Licensed Realtor MLS #201244396
🎙 Heather Listy eXp Realty
Email Heather heather@realagentnow.com
Additional Company Notes:
Broker Solutions Inc. dba New American Funding is a direct lender offering home loan programs | NMLS ID #6606 | This is not a commitment to Lend. All scenarios are subject to approval, loan program, and underwriting decisions. New American Funding is an Equal Opportunity Lender
Ever had your Grandfather give you the "in my day, we walked 5 miles in the snow, uphill both ways" talk? For younger generations, Financial Literacy often becomes unappealing subject due to this tone it is often presented in. Today we turn the table where Dan Keller, Mortgage Influencer and founder of the widely popular website: BudgetWithDan.com Interview Addy Nett on his perspective and journey with Real Estate, Credit and finally the concept of Career Freedom.
We are excited to Help, it is never too early to book a strategy session and build out a plan for your next property! Schedule Here:
Need to Refinance or Get Pre Approved Now! Click to Get Started Online Today!
Need Resources / Tools / Videos? Visit our Website: Addy Nett
📲 Have Questions? Call OR Text our VIP Hotline! (503) 847-9038
🔊 The MLO Show is also available on all major podcast platforms. Be sure to subscribe to get all your favorite content at your fingertips!
✅ Guests are NMLS Licensed Mortgage Advisors:
🎙 Addison Nett NMLS 1542184
🎙 Dan Keller NMLS 115349
Additional Company Notes:
Broker Solutions Inc. dba New American Funding is a direct lender offering home loan programs | NMLS ID #6606 | This is not a commitment to Lend. All scenarios are subject to approval, loan program, and underwriting decisions. New American Funding is an Equal Opportunity Lender
The last two years have brought many challenges to how real estate is purchased. One of the largest adjustments we have seen is the Virtual Buyer. Addy & Lucas share real client stories of people who have purchased homes 100% via Facetime.
We are excited to Help, it is never too early to book a strategy session and build out a plan for your next property! Schedule Here:
Need to Refinance or Get Pre Approved Now! Click to Get Started Online Today!
Need Resources / Tools / Videos? Visit our Website: Addy Nett
📲 Have Questions? Call OR Text our VIP Hotline! (503) 847-9038
🔊 The MLO Show is also available on all major podcast platforms. Be sure to subscribe to get all your favorite content at your fingertips!
✅ Host Addy Nett is a NMLS Licensed Mortgage Advisor:
🎙 Addison Nett NMLS 1542184
Guest Lucas is a Licensed Realtor MLS #201244396
🎙 Lucas Holt eXp Realty
Email Lucas: holt.exp@gmail.com
Text/Call: 858-275-4009
Additional Company Notes:
Broker Solutions Inc. dba New American Funding is a direct lender offering home loan programs | NMLS ID #6606 | This is not a commitment to Lend. All scenarios are subject to approval, loan program, and underwriting decisions. New American Funding is an Equal Opportunity Lender
As a Mortgage Originator this is likely one of the most frequently asked questions. To much surprise there is more complexities to the answer than most would assume. Addy and Dan explore how to determine what the right mortgage payment is for you compared to what you might be able to get Approved for.
We are excited to Help, it is never too early to book a strategy session and build out a plan for your next property! Schedule Here:
Need to Refinance or Get Pre Approved Now! Click to Get Started Online Today!
Need Resources / Tools / Videos? Visit our Website: Addy Nett
📲 Have Questions? Call OR Text our VIP Hotline! (503) 847-9038
🔊 The MLO Show is also available on all major podcast platforms. Be sure to subscribe to get all your favorite content at your fingertips!
✅ Guests are NMLS Licensed Mortgage Advisors:
🎙 Addison Nett NMLS 1542184
🎙 Dan Keller NMLS 115349
Additional Company Notes:
Broker Solutions Inc. dba New American Funding is a direct lender offering home loan programs | NMLS ID #6606 | This is not a commitment to Lend. All scenarios are subject to approval, loan program, and underwriting decisions. New American Funding is an Equal Opportunity Lender
Sad statement to title an episode. The facts are, only 42% of US adults have put together estate planning documents such as a will. I have experienced a large increase in my clients of all ages reaching out to me for referrals on will and family trust guidance. Where will all of my assets go and who will get them. Is my spouse, partner and family the ones that will inherit my assets? In annual tradition, we brought Mark Meek II MBA, Financial Advisor to communicate a short check list of to-dos in order to best prepare!
📲 Have Questions? Call OR Text our VIP Hotline! (503) 847-9038
✅ Addy Nett is a NMLS Licensed Mortgage Advisor:
🎙 Addison Nett NMLS 1542184
✅ Todays Guest is:
Mark Meek II, MBA, Financial Advisor
Additional Company Notes:
Broker Solutions Inc. dba New American Funding is a direct lender offering home loan programs | NMLS ID #6606 | This is not a commitment to Lend. All scenarios are subject to approval, loan program, and underwriting decisions. New American Funding is an Equal Opportunity Lender
Many homeowners and investors think insurance is one of those inconvenient requirements and waste of time researching. However, imagine if your home was destroyed by an air b n b renter, a horrible storm or accident. It is very possible, the fact that you went cheap on insurance to save a little money could put you 100% out of luck. Tyler Ross from Timmco Insurance joins MLO to share a few client stories (good and bad) with homeowners insurance. Lastly, Tyler provides us with a short list of tips to prevent and protect your number one asset: your HOME! :)
http://www.addynett.com
📲 Have Questions? Call OR Text our VIP Hotline! (503) 847-9038
🔊 The MLO Show is also available on all major podcast platforms. Be sure to subscribe to get all your favorite content at your fingertips!
✅ Addy Nett is a NMLS Licensed Mortgage Advisor:
🎙 Addison Nett NMLS 1542184
✅ Todays Guest is:
Tyler Ross , Timmco Insurance, Sales Executive
Additional Company Notes:
Broker Solutions Inc. dba New American Funding is a direct lender offering home loan programs | NMLS ID #6606 | This is not a commitment to Lend. All scenarios are subject to approval, loan program, and underwriting decisions. New American Funding is an Equal Opportunity Lender
In today's real estate and mortgage market, you are typically falling into one or tow buckets (sometimes both) FOMO, Fear of Missing Out or FOMJ: Fear Making the Jump. In this Agent tells all episode Tatyana, shares her story of facing her fear of buying a home. If you have thoughts like: Is this the right time to buy? I have too much credit card debt. Will the real estate market crash. How could I afford a mortgage payment.
This episode does a great job providing real life story examples of overcoming theses fears, thoughts and insecurities as well as the benefits of gained wealth for tackling them!
Everyday we get reach outs from our listeners asking for Mortgage & Real Estate Strategy meetings, it is never too early to book a session and build out a plan for your next property! Schedule Here: https://calendly.com/addynett/mortgage-strategy-call-via-zoom
📲 Have Questions? Call OR Text our VIP Hotline! (503) 847-9038
🔊 The MLO Show is also available on all major podcast platforms. Be sure to subscribe to get all your favorite content at your fingertips!
✅ Host is a NMLS Licensed Mortgage Advisor:
🎙 Addison Nett NMLS 1542184
Guest is a Licensed Realtor in OR & WA:
Tatyana Gavrilyuk
Additional Company Notes:
Broker Solutions Inc. dba New American Funding is a direct lender offering home loan programs | NMLS ID #6606 | This is not a commitment to Lend. All scenarios are subject to approval, loan program, and underwriting decisions. New American Funding is an Equal Opportunity Lender
Often homeowners dedicate their next move on interest rates. Though this approach should carry some consideration during the Mortgage & Real Estate Strategy process, there is much more to consider. What can we control and who does control interest rates. For this episode we have a returning guest, Tony Blodgett one of the most respected VP's in the mortgage industry. Tony and Addy discuss who is to blame for interest rates increases, what trends the markets are indicated for the New Year and how to navigate through the financing side when considering to pull the trigger.
We are excited to Help, it is never too early to book a strategy session and build out a plan for your next property! Schedule Here: https://calendly.com/addynett/mortgage-strategy-call-via-zoom
📲 Have Questions? Call OR Text our VIP Hotline! (503) 847-9038
🔊 The MLO Show is also available on all major podcast platforms. Be sure to subscribe to get all your favorite content at your fingertips!
✅ Guests are NMLS Licensed Mortgage Advisors:
🎙 Addison Nett NMLS 1542184
🎙 Tony Blodgett CMB NMLS 72161
Additional Company Notes:
Broker Solutions Inc. dba New American Funding is a direct lender offering home loan programs | NMLS ID #6606 | This is not a commitment to Lend. All scenarios are subject to approval, loan program, and underwriting decisions. New American Funding is an Equal Opportunity Lender
Too much surprise; "Most homeowners are broke. They are equity rich and cash poor"
Today we have a honored guest Dan Keller (one of the top Mortgage Originators in the Nation and the founder of budgetwithdan.com) to discuss how most homeowners are missing the mark on their journey to financial freedom. Dan shares his personal story of navigating through the Real Estate Crash of 08' and how he is making change within his family by educating his kids about money and following the 4 steps to financial freedom.
We are excited to Help, it is never too early to book a strategy session and build out a plan for your next property! Schedule Here: https://calendly.com/addynett/mortgage-strategy-call-via-zoom
📲 Have Questions? Call OR Text our VIP Hotline! (503) 847-9038
🔊 The MLO Show is also available on all major podcast platforms. Be sure to subscribe to get all your favorite content at your fingertips!
✅ Guests are NMLS Licensed Mortgage Advisors:
🎙 Addison Nett NMLS 1542184
🎙 Dan Keller NMLS 115349
Additional Company Notes:
Broker Solutions Inc. dba New American Funding is a direct lender offering home loan programs | NMLS ID #6606 | This is not a commitment to Lend. All scenarios are subject to approval, loan program, and underwriting decisions. New American Funding is an Equal Opportunity Lender
Often people assume they have great credit, or run for the hills and avoid the discussion of credit knowing that their credit is too low. Regardless of your credit score milestone, credit score is one of biggest impacts on your ability to finance and the ability to retain Real Estate in as a long term profitable investment. Addy Nett and Julie Farrrell discuss this impacts, the loan options you might have or not have access to relative to your credit score range.
📲 Have Questions? Call OR Text our VIP Hotline! (503) 847-9038
🔊 The MLO Show is also available on all major podcast platforms. Be sure to subscribe to get all your favorite content at your fingertips!
✅ Guests are NMLS Licensed Mortgage Advisors:
🎙 Addison Nett NMLS 1542184
🎙 Julie Farrell NMLS 182573
Additional Company Notes:
Broker Solutions Inc. dba New American Funding is a direct lender offering home loan programs | NMLS ID #6606 | This is not a commitment to Lend. All scenarios are subject to approval, loan program, and underwriting decisions. New American Funding is an Equal Opportunity Lender
For the season 4 opener we have a special guest who traveled across the country to be a guest on the MLO show. Surprisingly this episode begins with comparing East Coast & West Coast Real Estate. However, Jimmy and Addy turn the conversation into a deeper discussion of how each of them were never taught to own a home and how that experience plays a deeper motivation and passion to assist individuals with turning the financial course of their lives .
📲 Have Questions? Call OR Text our VIP Hotline! (503) 847-9038
🔊 The MLO Show is also available on all major podcast platforms. Be sure to subscribe to get all your favorite content at your fingertips!
✅ Guests are NMLS Licensed Mortgage Advisors:
🎙 Addison Nett NMLS 1542184
🎙 Jimmy Joseph NMLS 1577754
Additional Company Notes:
Broker Solutions Inc. dba New American Funding is a direct lender offering home loan programs | NMLS ID #6606 | This is not a commitment to Lend. All scenarios are subject to approval, loan program, and underwriting decisions. New American Funding is an Equal Opportunity Lender
Homebuyers and Sellers have now settled into a continued run of low interest rate opportunities for almost 12 months. Low rates and lower payments have been a contributing factor to the fasted paced real estate market by creating additional demand as consumers feel "this is their time." However, what factors of the economy, now and in the future will impact mortgage interest rates. Are we to see a resurfacing of higher rates and lower buying power? Or will the current administration and economy continue a run of unprecedented appreciation and what seems to be the cheapest money we have historically experienced.
On this episode, Addy Nett brings special Guest Tony Blodgett to discuss his take on the future of interest rates and the economical impacts of how they are determined. If yo
As a Certified Mortgage Banker® with 20 years of experience in the mortgage banking industry, Tony Blodgett has a strong track record in leading diverse teams of professionals to new levels of success. He has the proven ability to identify opportunities, develop innovative ideas for enhancing competitiveness, increase revenues, ensure steady growth, and improve customer service offerings.
📲 Have Questions? Call OR Text our VIP Hotline! (503) 847-9038
🔊 The MLO Show is also available on all major podcast platforms. Be sure to subscribe to get all your favorite content at your fingertips!
✅ Guests are NMLS Licensed Mortgage Advisors:
🎙 Addison Nett NMLS 1542184
🎙 Tony Blodgett Certified Mortgage Banker
Additional Company Notes:
© Finance of America Mortgage LLC is licensed nationwide | | NMLS ID #1071 | This is not a commitment to Lend. All scenarios are subject to approval, loan program, and underwriting decisions. Finance of America is an Equal Opportunity Lender
A majority of homebuyers get pre qualified or pre approved with the most convenient person or company at the time. Then, they find a home, make an offer, get offer accepted, and finally go to the drawing board and decide who will be their lender. This common approach not only leaves you susceptible to your contract being terminated by the sellers. You could have been making major decisions on offering a home with inaccurate information and financials from that original lender. In this episode, Addy and Casey discuss a better approach to deciding who your lender should be as well as the consequences that are in play if you decide to switch lenders during the home buying process.
📲 Have Questions? Call OR Text our VIP Hotline! (503) 847-9038
🔊 The MLO Show is also available on all major podcast platforms. Be sure to subscribe to get all your favorite content at your fingertips!
✅ Guests are NMLS Licensed Mortgage Advisors:
🎙 Addison Nett NMLS 1542184
🎙 Casey Carpenter NMLS 1458123
Additional Company Notes:
© Finance of America Mortgage LLC is licensed nationwide | | NMLS ID #1071 | This is not a commitment to Lend. All scenarios are subject to approval, loan program, and underwriting decisions. Finance of America is an Equal Opportunity Lender
As Mortgage Advisors, we are truly on the front lines of the Real Estate Market supporting our homebuyers. From our perspective, the shift has begun! Will this be short term, long term, a blip in the market? Either way, Addy and Casey share what has quickly changed from the buyer and seller relationships and how that could impact your strategy for purchasing a home.
📲 Have Questions? Call OR Text our VIP Hotline! (503) 847-9038
🔊 The MLO Show is also available on all major podcast platforms. Be sure to subscribe to get all your favorite content at your fingertips!
✅ Guests are NMLS Licensed Mortgage Advisors:
🎙 Addison Nett NMLS 1542184
🎙 Casey Carpenter NMLS 1458123
Additional Company Notes:
© Finance of America Mortgage LLC is licensed nationwide | | NMLS ID #1071 | This is not a commitment to Lend. All scenarios are subject to approval, loan program, and underwriting decisions. Finance of America is an Equal Opportunity Lender
Part 2:
Our Country has experienced record out of state relocations since the pandemic. American's are adapting to a new world of remote work and the convenience of being able to physically live wherever they desire. This has brought forth a new demand in the Real Estate industry. A demand for an expert out of state relocation team. Many people decide to use their Employers "preferred relocation support staff" who typically leaves the family lost and under supported.
Today we have one of the Pacific Northwest's top relocation team leads, Heather Listy. Heather and Addy review the top client stories and real estate approaches that has successfully relocated hundreds of families to their local area.
This is part 1 of 2 of MLO special relocation episode.
📲 Have Questions? Call OR Text our VIP Hotline! (503) 847-9038
🔊 The MLO Show is also available on all major podcast platforms. Be sure to subscribe to get all your favorite content at your fingertips!
✅ Guests are NMLS Licensed Mortgage Advisors:
🎙 Addison Nett NMLS 1542184
🎙 Casey Carpenter NMLS 1458123
Additional Company Notes:
© Finance of America Mortgage LLC is licensed nationwide | | NMLS ID #1071 | This is not a commitment to Lend. All scenarios are subject to approval, loan program, and underwriting decisions. Finance of America is an Equal Opportunity Lender
Our Country has experienced record out of state relocations since the pandemic. American's are adapting to a new world of remote work and the convenience of being able to physically live wherever they desire. This has brought forth a new demand in the Real Estate industry. A demand for an expert out of state relocation team. Many people decide to use their Employers "preferred relocation support staff" who typically leaves the family lost and under supported.
Today we have one of the Pacific Northwest's top relocation team leads, Heather Listy. Heather and Addy review the top client stories and real estate approaches that has successfully relocated hundreds of families to their local area.
This is part 1 of 2 of MLO special relocation episode.
📲 Have Questions? Call OR Text our VIP Hotline! (503) 847-9038
🔊 The MLO Show is also available on all major podcast platforms. Be sure to subscribe to get all your favorite content at your fingertips!
✅ Guests are NMLS Licensed Mortgage Advisors:
🎙 Addison Nett NMLS 1542184
🎙 Casey Carpenter NMLS 1458123
Additional Company Notes:
© Finance of America Mortgage LLC is licensed nationwide | | NMLS ID #1071 | This is not a commitment to Lend. All scenarios are subject to approval, loan program, and underwriting decisions. Finance of America is an Equal Opportunity Lender
In todays episode we cover real life average Joe steps to owning multiple properties without having a major pool of money or singing up to attend the next get rich through Real Estate presentation at your local Holiday Inn on Tuesday night.
📲 Have Questions? Call OR Text our VIP Hotline! (503) 847-9038
🔊 The MLO Show is also available on all major podcast platforms. Be sure to subscribe to get all your favorite content at your fingertips!
✅ Guests are NMLS Licensed Mortgage Advisors:
🎙 Addison Nett NMLS 1542184
🎙 Casey Carpenter NMLS 1458123
Additional Company Notes:
© Finance of America Mortgage LLC is licensed nationwide | | NMLS ID #1071 | This is not a commitment to Lend. All scenarios are subject to approval, loan program, and underwriting decisions. Finance of America is an Equal Opportunity Lender
Guidelines to financing are always changing and the pandemic has brought a change in the top mistakes we are seeing homebuyers make when getting pre approved. In this episode we break down simple ways to make sure your your financing doesn't fall thru and the stress can be limited.
📲 Have Questions? Call OR Text our VIP Hotline! (503) 847-9038
🔊 The MLO Show is also available on all major podcast platforms. Be sure to subscribe to get all your favorite content at your fingertips!
✅ Guests are NMLS Licensed Mortgage Advisors:
🎙 Addison Nett NMLS 1542184
🎙 Casey Carpenter NMLS 1458123
Additional Company Notes:
© Finance of America Mortgage LLC is licensed nationwide | | NMLS ID #1071 | This is not a commitment to Lend. All scenarios are subject to approval, loan program, and underwriting decisions. Finance of America is an Equal Opportunity Lender
It is no secret online Lending institutions are rapidly becoming a normal go-to for their Mortgage in many Markets. It may surprise you that the independent Community Mortgage Professional has some convincing compensation factors to consider before you decide to give your business to the Giants of the FinTech world! These 3 advantages are worth considering when you decide if who you will get your mortgage from.
📲 Have Questions? Call OR Text our VIP Hotline! (503) 847-9038
🔊 The MLO Show is also available on all major podcast platforms. Be sure to subscribe to get all your favorite content at your fingertips!
✅ Guests are NMLS Licensed Mortgage Advisors:
🎙 Addison Nett NMLS 1542184
🎙 Casey Carpenter NMLS 1458123
Additional Company Notes:
© Finance of America Mortgage LLC is licensed nationwide | | NMLS ID #1071 | This is not a commitment to Lend. All scenarios are subject to approval, loan program, and underwriting decisions. Finance of America is an Equal Opportunity Lender
Interviewing Mortgage Representatives can be painful. Especially when their sales pitch is loaded with lingo, jargon, terms and phrases that could seem beneficial to you as a homeowner. This episode, Addy and Casey take a light hearted approach to pointing "misleading" approaches Mortgage Professionals are taking to sway and convince their potential clients to use them for their financing.
📲 Have Questions? Call OR Text our VIP Hotline! (503) 847-9038
🔊 The MLO Show is also available on all major podcast platforms. Be sure to subscribe to get all your favorite content at your fingertips!
✅ Guests are NMLS Licensed Mortgage Advisors:
🎙 Addison Nett NMLS 1542184
🎙 Casey Carpenter NMLS 1458123
Additional Company Notes:
© Finance of America Mortgage LLC is licensed nationwide | | NMLS ID #1071 | This is not a commitment to Lend. All scenarios are subject to approval, loan program, and underwriting decisions. Finance of America is an Equal Opportunity Lender
2021 continues to set records Nationally for one of the most competitive buyers markets in history. Unfortunately, this has left certain buyers utilizing government loans in a position of frustration and defeat. Today, Addy Nett shares recent success stories of getting VA Approved Buyer's offers accepted. These stories and key takeaways can be utilized for any loan product and home buyer to make your offer potentially more appealing to the seller.
📲 Have Questions? Call OR Text our VIP Hotline! (503) 847-9038
🔊 The MLO Show is also available on all major podcast platforms. Be sure to subscribe to get all your favorite content at your fingertips!
✅ Guests are NMLS Licensed Mortgage Advisors:
🎙 Addison Nett NMLS 1542184
🎙 Casey Carpenter NMLS 1458123
Additional Company Notes:
© Finance of America Mortgage LLC is licensed nationwide | | NMLS ID #1071 | This is not a commitment to Lend. All scenarios are subject to approval, loan program, and underwriting decisions. Finance of America is an Equal Opportunity Lender
In this episode, we really wanted to cover the best steps when planning to buy a home. Many homebuyers or potential homebuyers can take these steps prior to even looking on Redfin or Zillow. Addy Nett gives his insights to dialing in the financing prior to choosing a Realtor as well as great takeaways on interviewing Lenders & Agents. These "pregame" strategies can lead reduced stress and higher percentage of your offer being more attractive to sellers!
📲 Have Questions? Call OR Text our VIP Hotline! (503) 847-9038
🔊 The MLO Show is also available on all major podcast platforms. Be sure to subscribe to get all your favorite content at your fingertips!
🖥 Be sure to check out the MLO Show Wednesday nights at 9:30 PM - Comcast Channel 21 & Verizon Channel 32. The MLO Show re-airs every Sunday at 10:00 AM - Comcast Channel 21 & Verizon Channel 32, and Mondays at 4:00 PM - Comcast Channel 11 & Verizon Channel 22. * The MLO Show currently airs only in Multnomah County.
✅ Guests are NMLS Licensed Mortgage Advisors:
🎙 Addison Nett NMLS 1542184
🎙 Casey Carpenter NMLS 1458123
Additional Company Notes:
© Finance of America Mortgage LLC is licensed nationwide | | NMLS ID #1071 | This is not a commitment to Lend. All scenarios are subject to approval, loan program, and underwriting decisions. Finance of America is an Equal Opportunity Lender
mortgage #realestate #realtor #mortgagebroker #home #realestateagent #newhome #investment #property #refinance #househunting #firsttimehomebuyer #finance #forsale #broker #loanofficer #loans #creditrepair #mortgagelender #homeloans #dreamhome #creditscore #credit #realtorlife #business #money #homebuyers #properties #mortgagerates #bhfyp
Real Estate continues to remain ultra competitive and down right ruthless in 2021, leaving many home owners to ponder refinancing instead of selling. Even if you do not yet own a home, Addy Nett and Casey Carpenter discuss a short list of things Mortgage Companies don't tell consumers. These insider points will arm you with an understanding of how not to be fooled or mislead into a mortgage that isn't structured in your best interest.
📲 Have Questions? Call OR Text our VIP Hotline! (503) 847-9038
🔊 The MLO Show is also available on all major podcast platforms. Be sure to subscribe to get all your favorite content at your fingertips!
🖥 Be sure to check out the MLO Show Wednesday nights at 9:30 PM - Comcast Channel 21 & Verizon Channel 32. The MLO Show re-airs every Sunday at 10:00 AM - Comcast Channel 21 & Verizon Channel 32, and Mondays at 4:00 PM - Comcast Channel 11 & Verizon Channel 22. * The MLO Show currently airs only in Multnomah County.
✅ Guests are NMLS Licensed Mortgage Advisors:
🎙 Addison Nett NMLS 1542184
🎙 Casey Carpenter NMLS 1458123
Additional Company Notes:
© Finance of America Mortgage LLC is licensed nationwide | | NMLS ID #1071 | This is not a commitment to Lend. All scenarios are subject to approval, loan program, and underwriting decisions. Finance of America is an Equal Opportunity Lender
mortgage #realestate #realtor #mortgagebroker #home #realestateagent #newhome #investment #property #refinance #househunting #firsttimehomebuyer #finance #forsale #broker #loanofficer #loans #creditrepair #mortgagelender #homeloans #dreamhome #creditscore #credit #realtorlife #business #money #homebuyers #properties #mortgagerates #bhfyp
2021 is on pace to be another record Real Estate year in the United States. With supply being at all-time lows and demand continuing to increase, getting an accepted offer is slowing becoming a Willy Wonka Golden Ticket occurrence.
If you are currently working to get an offer accepted or simply preparing to jump into the game, this episode is one to take some notes on. Addy Nett and Casey Carpenter discuss the key steps you can do to prepare and execute a competitive offer. The breakdowns include choosing the right mortgage professional, partnering with a real estate agent who has the right experience, and really developing a strategy to efficiently get into a contract and purchase a home.
📲 Have Questions? Call OR Text our VIP Hotline! (503) 847-9038
🔊 The MLO Show is also available on all major podcast platforms. Be sure to subscribe to get all your favorite content at your fingertips!
🖥 Be sure to check out the MLO Show Wednesday nights at 9:30 PM - Comcast Channel 21 & Verizon Channel 32. The MLO Show re-airs every Sunday at 10:00 AM - Comcast Channel 21 & Verizon Channel 32, and Mondays at 4:00 PM - Comcast Channel 11 & Verizon Channel 22. * The MLO Show currently airs only in Multnomah County.
✅ Guests are NMLS Licensed Mortgage Advisors:
🎙 Addison Nett NMLS 1542184
🎙 Casey Carpenter NMLS 1458123
Additional Company Notes:
© Finance of America Mortgage LLC is licensed nationwide | | NMLS ID #1071 | This is not a commitment to Lend. All scenarios are subject to approval, loan program, and underwriting decisions. Finance of America is an Equal Opportunity Lender
mortgage #realestate #realtor #mortgagebroker #home #realestateagent #newhome #investment #property #refinance #househunting #firsttimehomebuyer #finance #forsale #broker #loanofficer #loans #creditrepair #mortgagelender #homeloans #dreamhome #creditscore #credit #realtorlife #business #money #homebuyers #properties #mortgagerates #bhfyp
Most people do not understand the term Locked versus Floating. In this MLO Short, Addy Nett breaks down the basics of how when your interest rate is locked and when it is floating. This basic run-down really opens the perspective of what you might think your monthly payment will be and what your actual monthly payment ends up being when you buy or refinance your home!
📲 Have Questions? Call OR Text our VIP Hotline! (503) 847-9038
🔊 The MLO Show is also available on all major podcast platforms. Be sure to subscribe to get all your favorite content at your fingertips!
🖥 Be sure to check out the MLO Show Wednesday nights at 9:30 PM - Comcast Channel 21 & Verizon Channel 32. The MLO Show re-airs every Sunday at 10:00 AM - Comcast Channel 21 & Verizon Channel 32, and Mondays at 4:00 PM - Comcast Channel 11 & Verizon Channel 22. * The MLO Show currently airs only in Multnomah County.
✅ Guests are NMLS Licensed Mortgage Advisors:
🎙 Addison Nett NMLS 1542184
🎙 Casey Carpenter NMLS 1458123
Additional Company Notes:
© Finance of America Mortgage LLC is licensed nationwide | | NMLS ID #1071 | This is not a commitment to Lend. All scenarios are subject to approval, loan program, and underwriting decisions. Finance of America is an Equal Opportunity Lender
mortgage #realestate #realtor #mortgagebroker #home #realestateagent #newhome #investment #property #refinance #househunting #firsttimehomebuyer #finance #forsale #broker #loanofficer #loans #creditrepair #mortgagelender #homeloans #dreamhome #creditscore #credit #realtorlife #business #money #homebuyers #properties #mortgagerates #bhfyp
☑️ Depending on where you are at in the home buying process (preparing, looking, or already closed) This episode is a great breakdown of the basics for budgeting as a homeowner. Not just your repairs and big-ticket items but how do we take a “big picture” approach to budget our income and overall spending habits. Today trusted team member and Licensed Financial Advisor, Mark Meek discusses the basics of budgeting your monthly income and overall monthly expenses.
📲 Have Questions? Call OR Text our VIP Hotline! (503) 847-9038
🔊 The MLO Show is also available on all major podcast platforms. Be sure to subscribe to get all your favorite content at your fingertips!
🖥 Be sure to check out the MLO Show Wednesday nights at 9:30 PM - Comcast Channel 21 & Verizon Channel 32. The MLO Show re-airs every Sunday at 10:00 AM - Comcast Channel 21 & Verizon Channel 32, and Mondays at 4:00 PM - Comcast Channel 11 & Verizon Channel 22. * The MLO Show currently airs only in Multnomah County.
✅ Guests are NMLS Licensed Mortgage Advisors:
🎙 Addison Nett NMLS 1542184
🎙 Casey Carpenter NMLS 145813
Additional Company Notes:
© Finance of America Mortgage LLC is licensed nationwide | | NMLS ID #1071 | This is not a commitment to Lend. All scenarios are subject to approval, loan program, and underwriting decisions. Finance of America is an Equal Opportunity Lender
mortgage #realestate #realtor #mortgagebroker #home #realestateagent #newhome #investment #property #refinance #househunting #firsttimehomebuyer #finance #forsale #broker #loanofficer #loans #creditrepair #mortgagelender #homeloans #dreamhome #creditscore #credit #realtorlife #business #money #homebuyers #properties #mortgagerates #bhfyp
As Mortgage Professionals, we are often asked what the difference is between using a Big Bank or Mortgage Company. In this episode, we discuss the Pros & Cons of using Big Banks when buying a home.
📲 Have Questions? Call OR Text our VIP Hotline! (503) 847-9038
🔊 The MLO Show is also available on all major podcast platforms. Be sure to subscribe to get all your favorite content at your fingertips!
🖥 Be sure to check out the MLO Show Wednesday nights at 9:30 PM - Comcast Channel 21 & Verizon Channel 32. The MLO Show re-airs every Sunday at 10:00 AM - Comcast Channel 21 & Verizon Channel 32, and Mondays at 4:00 PM - Comcast Channel 11 & Verizon Channel 22. * The MLO Show currently airs only in Multnomah County.
✅ Guests are NMLS Licensed Mortgage Advisors:
🎙 Addison Nett NMLS 1542184
🎙 Casey Carpenter NMLS 145813
✅ All Guests work for Finance of America Mortgage:
Additional Company Notes:
© Finance of America Mortgage LLC is licensed nationwide | | NMLS ID #1071 | This is not a commitment to Lend. All scenarios are subject to approval, loan program, and underwriting decisions. Finance of America is an Equal Opportunity Lender
What is Mortgage Insurance and how does it differ between FHA and Conventional Mortgages?
📲 Have Questions? Call OR Text our VIP Hotline!
(503) 847-9038
🔊 The MLO Show is also available on all major podcast platforms. Be sure to subscribe to get all your favorite content at your fingertips!
🖥 Be sure to check out the MLO Show Wednesday nights at 9:30PM - Comcast Channel 21 & Verizon Channel 32. The MLO Show re-airs every Sunday at 10:00AM - Comcast Channel 21 & Verizon Channel 32, and Mondays at 4:00PM - Comcast Channel 11 & Verizon Channel 22. * The MLO Show currently airs only in Multnomah County.
✅ Guests are NMLS Licensed Mortgage Advisors:
🎙 Addison Nett NMLS 1542184
🎙 Casey Carpenter NMLS 145813
✅ All Guests work for Finance of America Mortgage:
Additional Company Notes:
© Finance of America Mortgage LLC is licensed nationwide | | NMLS ID #1071 | This is not a commitment to Lend. All scenarios are subject to approval, loan program, and underwriting decisions. Finance of America is an Equal Opportunity Lender
☑️ In this episode, we are joined by our producer Joshua Billups as he asks real questions about VA Home Loans.
📲 Have Questions? Call OR Text our VIP Hotline!
(503) 847-9038
🔊 The MLO Show is also available on all major podcast platforms. Be sure to subscribe to get all your favorite content at your fingertips!
🖥 Be sure to check out the MLO Show Wednesday nights at 9:30PM - Comcast Channel 21 & Verizon Channel 32. The MLO Show re-airs every Sunday at 10:00AM - Comcast Channel 21 & Verizon Channel 32, and Mondays at 4:00PM - Comcast Channel 11 & Verizon Channel 22. * The MLO Show currently airs only in Multnomah County.
✅ Guests are NMLS Licensed Mortgage Advisors:
🎙 Addison Nett NMLS 1542184
🎙 Casey Carpenter NMLS 145813
✅ All Guests work for Finance of America Mortgage:
Additional Company Notes:
© Finance of America Mortgage LLC is licensed nationwide | | NMLS ID #1071 | This is not a commitment to Lend. All scenarios are subject to approval, loan program, and underwriting decisions. Finance of America is an Equal Opportunity Lender
☑️ Today we will discuss 5 things that can delay or derail your home loan.
📲 Have Questions? Call OR Text our VIP Hotline!
(503) 847-9038
🔊 The MLO Show is also available on all major podcast platforms. Be sure to subscribe to get all your favorite content at your fingertips!
🖥 Be sure to check out the MLO Show Wednesday nights at 9:30 PM - Comcast Channel 21 & Verizon Channel 32. The MLO Show re-airs every Sunday at 10:00 AM - Comcast Channel 21 & Verizon Channel 32, and Mondays at 4:00 PM - Comcast Channel 11 & Verizon Channel 22. * The MLO Show currently airs only in Multnomah County.
✅ Guests are NMLS Licensed Mortgage Advisors:
🎙 Addison Nett NMLS 1542184
🎙 Casey Carpenter NMLS 145813
✅ All Guests work for Finance of America Mortgage:
Additional Company Notes:© Finance of America Mortgage LLC is licensed nationwide | | NMLS ID #1071 | This is not a commitment to Lend. All scenarios are subject to approval, loan program, and underwriting decisions. Finance of America is an Equal Opportunity Lender
📲 Have Questions? Call OR Text our VIP Hotline!
(503) 847-9038
🔊 The MLO Show is also available on all major podcast platforms. Be sure to subscribe to get all your favorite content at your fingertips!
🖥 Be sure to check out the MLO Show Wednesday nights at 9:30 PM - Comcast Channel 21 & Verizon Channel 32. The MLO Show re-airs every Sunday at 10:00 AM - Comcast Channel 21 & Verizon Channel 32, and Mondays at 4:00 PM - Comcast Channel 11 & Verizon Channel 22. * The MLO Show currently airs only in Multnomah County.
✅ Guests are NMLS Licensed Mortgage Advisors:
🎙 Addison Nett NMLS 1542184
🎙 Casey Carpenter NMLS 145813
✅ All Guests work for Finance of America Mortgage:
Additional Company Notes:
© Finance of America Mortgage LLC is licensed nationwide | | NMLS ID #1071 | This is not a commitment to Lend. All scenarios are subject to approval, loan program, and underwriting decisions. Finance of America is an Equal Opportunity Lender
Lets Talk about the Millennial Surge in The Real Estate Market
Curious If you Should Buy or Refi?
Text or Call the MLO VIP Line for Your 10 minute No Obligation Review:503.847.9038
Guests are NMLS Licensed Mortgage Advisors:
Addison Nett NMLS 1542184
Casey Carpenter NMLS 145813
Additional Company Notes:
© Finance of America Mortgage LLC is licensed nationwide | | NMLS ID #1071 | This is not a commitment to Lend. All scenarios are subject to approval, loan program, and underwriting decisions. Finance of America is an Equal Opportunity Lender
Text or Call the MLO VIP Line for Your 10 minute No Obligation Review:
503.847.9038
Guests are NMLS Licensed Mortgage Advisors:
Brie Fisher NMLS 266979
Addison Nett NMLS 1542184
Casey Carpenter NMLS 145813
Christian Kemp NMLS 633627
All Guests work for Finance of America Mortgage:
Additional Company Notes:
© Finance of America Mortgage LLC is licensed nationwide | | NMLS ID #1071 | This is not a commitment to Lend. All scenarios are subject to approval, loan program, and underwriting decisions. Finance of America is an Equal Opportunity Lender
3 Major Impacts You Must Know When Buying a Home. What determines your monthly payment?
Text or Call the MLO VIP Line for Your 10 minute No Obligation Review:
503.847.9038
Guests are NMLS Licensed Mortgage Advisors:
Brie Fisher NMLS 266979
Addison Nett NMLS 1542184
Casey Carpenter NMLS 145813
Christian Kemp NMLS 633627
All Guests work for Finance of America Mortgage:
Additional Company Notes:
© Finance of America Mortgage LLC is licensed nationwide | | NMLS ID #1071 | This is not a commitment to Lend. All scenarios are subject to approval, loan program, and underwriting decisions. Finance of America is an Equal Opportunity Lender
Talking Home Loans with a Real World Client
Text or Call the MLO VIP Line for Your 10 minute No Obligation Review:
503.847.9038
Guests are NMLS Licensed Mortgage Advisors:
Brie Fisher NMLS 266979
Addison Nett NMLS 1542184
Casey Carpenter NMLS 145813
Christian Kemp NMLS 633627
All Guests work for Finance of America Mortgage:
Additional Company Notes:
© Finance of America Mortgage LLC is licensed nationwide | | NMLS ID #1071 | This is not a commitment to Lend. All scenarios are subject to approval, loan program, and underwriting decisions. Finance of America is an Equal Opportunity Lender
The Cost of Living in Vancouver, Washington
Text or Call the MLO VIP Line for Your 10 minute No Obligation Review:
503.847.9038
Guests are NMLS Licensed Mortgage Advisors:
Brie Fisher NMLS 266979
Addison Nett NMLS 1542184
Casey Carpenter NMLS 145813
Christian Kemp NMLS 633627
All Guests work for Finance of America Mortgage:
Additional Company Notes:
© Finance of America Mortgage LLC is licensed nationwide | | NMLS ID #1071 | This is not a commitment to Lend. All scenarios are subject to approval, loan program, and underwriting decisions. Finance of America is an Equal Opportunity Lender
How Do Real Estate Appraisals Work in 2021
Text or Call the MLO VIP Line for Your 10 minute No Obligation Review:
503.847.9038
Guests are NMLS Licensed Mortgage Advisors:
Brie Fisher NMLS 266979
Addison Nett NMLS 1542184
Casey Carpenter NMLS 145813
Christian Kemp NMLS 633627
All Guests work for Finance of America Mortgage:
Additional Company Notes:
© Finance of America Mortgage LLC is licensed nationwide | | NMLS ID #1071 | This is not a commitment to Lend. All scenarios are subject to approval, loan program, and underwriting decisions. Finance of America is an Equal Opportunity Lender
Curious If you Should to Buy or Refi?
Text or Call the MLO VIP Line for Your 10 minute No Obligation Review:
503.847.9038
Guests are NMLS Licensed Mortgage Advisors:
Brie Fisher NMLS 266979
Addison Nett NMLS 1542184
Casey Carpenter NMLS 145813
Christian Kemp NMLS 633627
All Guests work for Finance of America Mortgage:
Additional Company Notes:
© Finance of America Mortgage LLC is licensed nationwide | | NMLS ID #1071 | This is not a commitment to Lend. All scenarios are subject to approval, loan program, and underwriting decisions. Finance of America is an Equal Opportunity Lender
Do I Get to Skip Mortgage Payments?
Text or Call the MLO VIP Line for Your 10 minute No Obligation Review:
503.847.9038
Guests are NMLS Licensed Mortgage Advisors:
Brie Fisher NMLS 266979
Addison Nett NMLS 1542184
Casey Carpenter NMLS 145813
Christian Kemp NMLS 633627
All Guests work for Finance of America Mortgage:
Additional Company Notes:
© Finance of America Mortgage LLC is licensed nationwide | | NMLS ID #1071 | This is not a commitment to Lend. All scenarios are subject to approval, loan program, and underwriting decisions. Finance of America is an Equal Opportunity Lender
In this weeks episode we are talking about 5 first-time home buyer myths.
Curious If you Should to Buy or Refi?
Text or Call the MLO VIP Line for Your 10 minute No Obligation Review:
503.847.9038
Guests are NMLS Licensed Mortgage Advisors:
Brie Fisher NMLS 266979
Addison Nett NMLS 1542184
Casey Carpenter NMLS 145813
Christian Kemp NMLS 633627
All Guests work for Finance of America Mortgage:
Additional Company Notes:
© Finance of America Mortgage LLC is licensed nationwide | | NMLS ID #1071 | This is not a commitment to Lend. All scenarios are subject to approval, loan program, and underwriting decisions. Finance of America is an Equal Opportunity Lender
Behind The Curtain: What happens during the Underwriting of a Mortgage
Curious If you Should to Buy or Refi?
Text or Call the MLO VIP Line for Your 10 minute No Obligation Review: 503.847.9038
Guests are NMLS Licensed Mortgage Advisors:
Brie Fisher NMLS 266979
Addison Nett NMLS 1542184
Casey Carpenter NMLS 145813Christian Kemp NMLS 633627
All Guests work for Finance of America Mortgage:
Additional Company Notes:
© Finance of America Mortgage LLC is licensed nationwide | | NMLS ID #1071 | This is not a commitment to Lend. All scenarios are subject to approval, loan program, and underwriting decisions. Finance of America is an Equal Opportunity Lender
In this weeks episode Addy and Casey will cover the 3 C's of Homebuying.
Curious If you Should to Buy or Refi?
Text or Call the MLO VIP Line for Your 10 minute No Obligation Review:
503.847.9038
Guests are NMLS Licensed Mortgage Advisors:
Brie Fisher NMLS 266979
Addison Nett NMLS 1542184
Casey Carpenter NMLS 145813
Christian Kemp NMLS 633627
All Guests work for Finance of America Mortgage:
Additional Company Notes:
© Finance of America Mortgage LLC is licensed nationwide | | NMLS ID #1071 | This is not a commitment to Lend. All scenarios are subject to approval, loan program, and underwriting decisions. Finance of America is an Equal Opportunity Lender
In this weeks episode we dive into todays hot market and how to avoid getting discouraged when buying a home.
Curious If you Should to Buy or Refi?
Text or Call the MLO VIP Line for Your 10 minute No Obligation Review:
503.847.9038
Guests are NMLS Licensed Mortgage Advisors:
Brie Fisher NMLS 266979
Addison Nett NMLS 1542184
Casey Carpenter NMLS 145813
Christian Kemp NMLS 633627
All Guests work for Finance of America Mortgage:
Additional Company Notes:
© Finance of America Mortgage LLC is licensed nationwide | | NMLS ID #1071 | This is not a commitment to Lend. All scenarios are subject to approval, loan program, and underwriting decisions. Finance of America is an Equal Opportunity Lender
In this weeks episode Addy and special guest Heather Listy break down 10 things you MUST know when considering buying or relocating to Portland, OR.
Curious If you Should to Buy or Refi?
Text or Call the MLO VIP Line for Your 10 minute No Obligation Review:
503.847.9038
Guests are NMLS Licensed Mortgage Advisors:
Brie Fisher NMLS 266979
Addison Nett NMLS 1542184
Casey Carpenter NMLS 145813
Christian Kemp NMLS 633627
All Guests work for Finance of America Mortgage:
Additional Company Notes:
© Finance of America Mortgage LLC is licensed nationwide | | NMLS ID #1071 | This is not a commitment to Lend. All scenarios are subject to approval, loan program, and underwriting decisions. Finance of America is an Equal Opportunity Lender
How do we survive an affordability crisis? On this weeks episode Addy and Brie are going to break down these fine details to teach you how to succeed in a affordability crisis.
Curious If you Should to Buy or Refi?
Text or Call the MLO VIP Line for Your 10 minute No Obligation Review:
503.847.9038
Guests are NMLS Licensed Mortgage Advisors:
Brie Fisher NMLS 266979
Addison Nett NMLS 1542184
Casey Carpenter NMLS 145813
Christian Kemp NMLS 633627
All Guests work for Finance of America Mortgage:
Additional Company Notes:
© Finance of America Mortgage LLC is licensed nationwide | | NMLS ID #1071 | This is not a commitment to Lend. All scenarios are subject to approval, loan program, and underwriting decisions. Finance of America is an Equal Opportunity Lender
The holidays brings much pressure to over spend and unfortunately put families in debt situations which can be near impossible to recover from. Today we revolve around the topic of Debt, specifically to Holiday Credit Card Spending and how this impacts the US Household. Can our spending habits prevent us from purchasing a home? Is the equity in our homes a realistic plan to save us from credit card debt?
Curious If you Should to Buy or Refi?
Text or Call the MLO VIP Line for Your 10 minute No Obligation Review:
503.847.9038
Guests are NMLS Licensed Mortgage Advisors:
Brie Fisher NMLS 266979
Addison Nett NMLS 1542184
Casey Carpenter NMLS 145813
Christian Kemp NMLS 633627
All Guests work for Finance of America Mortgage:
Additional Company Notes:
© Finance of America Mortgage LLC is licensed nationwide | | NMLS ID #1071 | This is not a commitment to Lend. All scenarios are subject to approval, loan program, and underwriting decisions. Finance of America is an Equal Opportunity Lender
The new Mortgage Limits have been announced for 2021. In many cases around the nation, this directly impacts the buying power and budgets for families planning to buy and sell.
Curious If you Should to Buy or Refi?
Text or Call the MLO VIP Line for Your 10 minute No Obligation Review:
503.847.9038
Guests are NMLS Licensed Mortgage Advisors:
Brie Fisher NMLS 266979
Addison Nett NMLS 1542184
Casey Carpenter NMLS 145813
Christian Kemp NMLS 633627
All Guests work for Finance of America Mortgage:
Additional Company Notes:
© Finance of America Mortgage LLC is licensed nationwide | | NMLS ID #1071 | This is not a commitment to Lend. All scenarios are subject to approval, loan program, and underwriting decisions. Finance of America is an Equal Opportunity Lender
Today we are taking time to show our appreciation for all of our Service Members. MLO breaks down the top benefits of the VA Loan. Bonus Coverage Includes: Other VA Benefits outside of Mortgage and Real Estate to Know!
Curious If you Should to Buy or Refi?
Text or Call the MLO VIP Line for Your 10 minute No Obligation Review:
503.847.9038
Guests are NMLS Licensed Mortgage Advisors:
Brie Fisher NMLS 266979
Addison Nett NMLS 1542184
Casey Carpenter NMLS 145813
Christian Kemp NMLS 633627
All Guests work for Finance of America Mortgage:
Additional Company Notes:
© Finance of America Mortgage LLC is licensed nationwide | | NMLS ID #1071 | This is not a commitment to Lend. All scenarios are subject to approval, loan program, and underwriting decisions. Finance of America is an Equal Opportunity Lender
How can you prepare to take advantage of either outcome? With results currently pending, MLO discusses the impact on the markets of Stocks, Rates and Real Estate post election. Were the team's predictions from last week correct?
Guests are NMLS Licensed Mortgage Advisors:
Brie Fisher NMLS 266979
Addison Nett NMLS 1542184
Casey Carpenter NMLS 145813
Christian Kemp NMLS 633627
All Guests work for Finance of America Mortgage:
Additional Company Notes:
© Finance of America Mortgage LLC is licensed nationwide | | NMLS ID #1071 | This is not a commitment to Lend. All scenarios are subject to approval, loan program, and underwriting decisions. Finance of America is an Equal Opportunity Lender
Can you purchase a complete tear down and finance in the renovation and repairs? How does this process work?
Renovation Loans can be a strategic way minimize costly out of pocket repairs and potentially upgrade a house to exactly what you are needing in a home.
Curious If you Should to Buy or Refi?
Text or Call the MLO VIP Line for Your 10 minute No Obligation Review:
503.847.9038
Guests are NMLS Licensed Mortgage Advisors:
Brie Fisher NMLS 266979
Addison Nett NMLS 1542184
Casey Carpenter NMLS 145813
Christian Kemp NMLS 633627
All Guests work for Finance of America Mortgage:
Additional Company Notes:
© Finance of America Mortgage LLC is licensed nationwide | | NMLS ID #1071 | This is not a commitment to Lend. All scenarios are subject to approval, loan program, and underwriting decisions. Finance of America is an Equal Opportunity Lender
Approaching 1 week from the Presidential Election how will this impact your mortgage? What will happen to interest rates and the real estate market?
MLO explores the past, current and potential future of how this impacts home owners and industry partners.
Curious If you Should to Buy or Refi?
Text or Call the MLO VIP Line for Your 10 minute No Obligation Review:
503.847.9038
Guests are NMLS Licensed Mortgage Advisors:
Brie Fisher NMLS 266979
Addison Nett NMLS 1542184
Casey Carpenter NMLS 145813
Christian Kemp NMLS 633627
Additional Company Notes:
© Finance of America Mortgage LLC is licensed nationwide | | NMLS ID #1071 | This is not a commitment to Lend. All scenarios are subject to approval, loan program, and underwriting decisions. Finance of America is an Equal Opportunity Lender
The Historical Data Referenced in this episode was sourced from the following website articles:
http://www.rpm-mtg.com/PDFs/POI-Interest-Rates-Election-Online.pdf
https://www.thestreet.com/personal-finance/october-mortgage-rates-forecast-a-possible-pre-election-pause-nw
Season 2 Episode 1
MLO introduces the newest team member Brie Fisher AKA the Mother of Mortgage to the Team. Brie guides us through the 3 Biggest Mistakes When Buying a Home in 2020.
All Episodes Broadcasted on Video. Visit:
www.facebook.com/MLOpodcast
Take Advantage of our No Obligation Strategy Sessions:
If you are considering to buy, sell, or refinance do not hesitate to call text or DM: 503.847.9038
info@modernloanofficers.com
503.VIP.9038
Guests are NMLS Licensed Mortgage Advisors:
Brie Fisher NMLS 266979
Addison Nett NMLS 1542184
Casey Carpenter NMLS 145813
Christian Kemp NMLS 633627
All Guests work for Finance of America Mortgage:
Additional Company Notes:
© Finance of America Mortgage LLC is licensed nationwide | | NMLS ID #1071 | This is not a commitment to Lend. All scenarios are subject to approval, loan program, and underwriting decisions. Finance of America is an Equal Opportunity Lender
MLO Rounds Out Season 1 by Reviewing the Top 5 Take Aways From All 40 Episodes. Conversation includes FHA & VA Loans, Shopping Your Lender, The Biggest Mistakes Made By Applicants in the Mortgage Process, why this isn't the right time to buy a house.
Take Advantage of our No Obligation Strategy Sessions:
If you are considering to buy, sell, or refinance do not hesitate to call text or DM:
503.847.9038
info@modernloanofficers.com
503.VIP.9038
Additional Notes:
Both guests are NMLS Licensed Mortgage Advisors:
Addison Nett NMLS 1542184
Casey Carpenter NMLS 145813
Christian Kemp NMLS 633627
All Guests work for Finance of America Mortgage:
Additional Company Notes:
© Finance of America Mortgage LLC is licensed nationwide | | NMLS ID #1071 | This is not a commitment to Lend. All scenarios are subject to approval, loan program, and underwirting decisions. Finance of America is an Equal Opportunity Lender
What happens within the mortgage process after you have an accepted offer from the sellers? Many individuals get confused, are left in the dark or simply have too much going on to remember! Today MLO works through explaining the complexities of the process and how to feel more comfortable with the milestones from Accepted offer to Keys in your Hands!
Don't have time to watch, Listen #MLOpodcast grab the newest episode wherever you grab your podcasts!
Take Advantage of our No Obligation Strategy Sessions:
If you are considering to buy, sell, or refinance do not hesitate to call text or DM:
503.847.9038
info@modernloanofficers.com
503.VIP.9038
Additional Notes:
Both guests are NMLS Licensed Mortgage Advisors:
Addison Nett NMLS 1542184
Casey Carpenter NMLS 145813
Both Guests work for Finance of America Mortgage:
Additional Company Notes:
© Finance of America Mortgage LLC is licensed nationwide | | NMLS ID #1071 | This is not a commitment to Lend. All scenarios are subject to approval, loan program, and underwirting decisions. Finance of America is an Equal Opportunity Lender
Today MLO has special guest, Heather Listy. Heather is one of the top Relocation Real Estate Agents for the Real Agent Now Team and is taking time to provide her top tips when relocating. If you are planning to move locally, to a new state or cross county, Heather has experienced the Good, Bad and Ugly when moving in 2020.
Take Advantage of our No Obligation Strategy Sessions:
If you are considering to buy, sell, or refinance do not hesitate to call text or DM: 503.847.9038
info@modernloanofficers.com
503.VIP.9038
Additional Notes:
Both guests are NMLS Licensed Mortgage Advisors:
Addison Nett NMLS 1542184
Casey Carpenter NMLS 145813
Both Guests work for Finance of America Mortgage:
Additional Company Notes:
© Finance of America Mortgage LLC is licensed nationwide | | NMLS ID #1071 | This is not a commitment to Lend. All scenarios are subject to approval, loan program, and underwirting decisions.
As our Country continues to navigate through dozens of natural disasters nation wide, MLO is narrowing their focus today on Insurance Claims. Standard homeowners policies cover a wide range of potential disasters, today Greg Beery & Tyler Ross from Payne West Insurance join us for the need to know information on insurance claims specific to Natural Disasters
Watch any of our Podcast on Video at:
www.facebook.com/mlopodcast
Take Advantage of our No Obligation Strategy Sessions:
If you are considering to buy, sell, or refinance do not hesitate to call text or DM: 503.847.9038
info@modernloanofficers.com
503.VIP.9038
Additional Notes:
All 3 guests are NMLS Licensed Mortgage Advisors:
Christian Kemp NMLS 633627
Addison Nett NMLS 1542184
Casey Carpenter NMLS 145813
All 3 Guests work for Finance of America Mortgage:
Additional Company Notes:
© Finance of America Mortgage LLC is licensed nationwide | | NMLS ID #1071.
In this episode MLO reviews the loan documents a lender will likely request for your loan application. The agenda runs through simplistic basics, self employed applicants and unique scenarios. It is never too early to have an understanding of what potentially could be requested and why. Being prepared and organized can save you stress, time and money throughout the Home Buying, Selling and Refinancing Process
Take Advantage of our No Obligation Strategy Sessions:
If you are considering to buy, sell, or refinance do not hesitate to call text or DM: 503.847.9038
info@modernloanofficers.com
503.VIP.9038
Additional Notes:
All 3 guests are NMLS Licensed Mortgage Advisors:
Christian Kemp NMLS 633627
Addison Nett NMLS 1542184
Casey Carpenter NMLS 145813
Scott Kurahara NMLS 888734
All 3 Guests work for Finance of America Mortgage:
Additional Company Notes:
© Finance of America Mortgage LLC is licensed nationwide | | NMLS ID #1071
In this episode MLO reviews the top 10 home improvement projects that historical give the best return on investment.
What is worth our time and money?
What maintenance projects should we Never overlook?
Open Houses: what improvements get noticed and sell for more?
Investors: How Navigate through budgets of improvement for rental properties
What Financing Options Should we Consider for Home Improvements?
Most Episodes Broadcasted Live in Studio and available to watch on Facebook or YouTube:
www.facebook.com/MLOpodcast
Take Advantage of our No Obligation Strategy Sessions:
If you are considering to buy, sell, or refinance do not hesitate to call text or DM: 503.847.9038
info@modernloanofficers.com
503.VIP.9038
Additional Notes:
All 3 guests are NMLS Licensed Mortgage Advisors:
Christian Kemp NMLS 633627
Addison Nett NMLS 1542184
Casey Carpenter NMLS 145813
All 3 Guests work for Finance of America Mortgage:
Additional Company Notes:
© Finance of America Mortgage LLC is licensed nationwide | | NMLS ID #1071
What is cheap insurance? Are you covered for the average homeowner claim? We will talking about the types of coverages that usually aren't on a homeowners policy. Ask yourself, do I have a basic policy or a policy for me.
Grab the Episode wherever you get your Podcasts. Or directly listen on www.modernloanofficers.com
Most Episodes Broadcasted Live in Studio and available to watch on Facebook or YouTube
Take Advantage of our No Obligation Strategy Sessions:
If you are considering to buy, sell, or refinance do not hesitate to call text or DM: 503.847.9038
info@modernloanofficers.com
503.VIP.9038
Even with Low Interest Rates, many Home Owners are determined not to be a salve to debt and interest payments. Strategically understanding your payment options and positioning yourself for an early pay off of your mortgage could be the difference retiring early or never.....
Grab the Episode wherever you get your Podcasts. Or directly listen on www.modernloanofficers.com
Most Episodes Broadcasted Live in Studio and available to watch on Facebook or YouTube
Take Advantage of our No Obligation Strategy Sessions:
If you are considering to buy, sell, or refinance do not hesitate to call text or DM: 503.847.9038
info@modernloanofficers.com
503.VIP.9038
Additional Notes:
All 3 guests are NMLS Licensed Mortgage Advisors:
Christian Kemp NMLS 633627
Addison Nett NMLS 1542184
Casey Carpenter NMLS 145813
All 3 Guests work for Finance of America Mortgage:
Additional Company Notes:
© Finance of America Mortgage LLC is licensed nationwide | | NMLS ID #1071
Advertising, Social Media and word of mouth can spread like wildfire. Backyard opinions of the mortgage process and industry are not worthy sources to trust when it comes to one of the largest investments of your lifetime. On today's episode MLO bullets the 5 most common myths of Mortgages.
Grab the Episode wherever you get your Podcasts. Or directly listen on www.modernloanofficers.com
Most Episodes Broadcasted Live in Studio and available to watch on Facebook or YouTube
Take Advantage of our No Obligation Strategy Sessions:
If you are considering to buy, sell, or refinance do not hesitate to call text or DM: 503.847.9038
info@modernloanofficers.com
503.VIP.9038
Additional Notes:
All 3 guests are NMLS Licensed Mortgage Advisors:
Christian Kemp NMLS 633627
Addison Nett NMLS 1542184
Casey Carpenter NMLS 145813
All 3 Guests work for Finance of America Mortgage:
Additional Company Notes:
© Finance of America Mortgage LLC is licensed nationwide | | NMLS ID #1071
It is no secret that the United States has and will continue to have a Housing Crisis. According to JLL commercial real estate company, Quarter 2 of 2020 demonstrated a 53.4% drop in gross leasing volume.
Will this be our solution to the Residential Housing Crisis?
How will these building covert over time and improve the chances for home buyers with increased inventory?
Grab the Episode wherever you get your Podcasts. Or directly listen on www.modernloanofficers.com
Watch this LIVE Studio Broadcast on Video:
https://www.facebook.com/MLOpodcast
Most Episodes Broadcasted Live in Studio and available to watch on Facebook or YouTube
Take Advantage of our No Obligation Strategy Sessions:
If you are considering to buy, sell, or refinance do not hesitate to call text or DM: 503.847.9038
info@modernloanofficers.com
503.VIP.9038
Additional Notes:
All 3 guests are NMLS Licensed Mortgage Advisors:
Christian Kemp NMLS 633627
Addison Nett NMLS 1542184
Casey Carpenter NMLS 145813
All 3 Guests work for Finance of America Mortgage:
Additional Company Notes:
© Finance of America Mortgage LLC is licensed nationwide | | NMLS ID #1071
Numerous homebuyers feel the mortgage experience is overwhelming and stressful. Today MLO discusses 5 ways home buyers make the process even more difficult than it needs to be.
Live Broadcast Available to be viewed on: https://www.facebook.com/MLOpodcast
Take Advantage of our No Obligation Strategy Sessions:
If you are considering to buy, sell, or refinance do not hesitate to call text or DM: 503.847.9038
info@modernloanofficers.com
503.VIP.9038
Additional Notes:
All 3 guests are NMLS Licensed Mortgage Advisors:
Christian Kemp NMLS 633627
Addison Nett NMLS 1542184
Casey Carpenter NMLS 145813
All 3 Guests work for Finance of America Mortgage:
Additional Company Notes:
© Finance of America Mortgage LLC is licensed nationwide | | NMLS ID #1071
Refinancing just became more Expensive! Fannie & Freddie announced a 0.5% fee to all refinances. This roughly translates into an average $1,400 added onto the cost of a refinance, but can be higher or lower, depending on the size of the loan. The new charge is likely to go into effect on Sept. 1.
The change is being made by the Federal Housing Finance Agency, which oversees Fannie and Freddie, as a way to ward off potential losses as a result of the pandemic-induced recession.
Take Advantage of our No Obligation Strategy Sessions:
If you are considering to buy, sell, or refinance do not hesitate to call text or DM: 503.847.9038
info@modernloanofficers.com
503.VIP.9038
Additional Notes:
All 3 guests are NMLS Licensed Mortgage Advisors:
Christian Kemp NMLS 633627
Addison Nett NMLS 1542184
Casey Carpenter NMLS 145813
All 3 Guests work for Finance of America Mortgage:
Additional Company Notes:
© Finance of America Mortgage LLC is licensed nationwide | | NMLS ID #1071
VA Indicates Millennials Accounted for 1/3 of all VA Loans Last Year
It is important to understand the major benefits to VA loans. Today we are unloading the TOP 3 reasons why Millennials are taking advantage of this Home Buying Program.
Take Advantage of our No Obligation Strategy Sessions:
If you are considering to buy, sell, or refinance do not hesitate to call text or DM: 503.847.9038
info@modernloanofficers.com
503.VIP.9038
Additional Notes:
All 3 guests are NMLS Licensed Mortgage Advisors:
Christian Kemp NMLS 633627
Addison Nett NMLS 1542184
Casey Carpenter NMLS 145813
All 3 Guests work for Finance of America Mortgage:
Additional Company Notes:
© Finance of America Mortgage LLC is licensed nationwide | | NMLS ID #1071
The costs of buying a home extend the actual Sale Price of the property. Today we review the top 10 costs of buying a home that do not include the down payment.
Take Advantage of our No Obligation Strategy Sessions:
If you are considering to buy, sell, or refinance do not hesitate to call text or DM: 503.847.9038
info@modernloanofficers.com
503.VIP.9038
Additional Notes:
All 3 guests are NMLS Licensed Mortgage Advisors:
Christian Kemp NMLS 633627
Addison Nett NMLS 1542184
Casey Carpenter NMLS 145813
All 3 Guests work for Finance of America Mortgage:
Additional Company Notes:
© Finance of America Mortgage LLC is licensed nationwide | | NMLS ID #1071
How do student loans affect your Loan Approval?
How different Loan Programs look at Student Loan Debt (Conventional, FHA, VA, USDA)
Other Highlights
Congress paused all payments for federal student loans
What's Next For Your Student Loans?
Will the Cares Act student loan relief be extended?
Take Advantage of our No Obligation Strategy Sessions:
If you are considering to buy, sell, or refinance do not hesitate to call text or DM: 503.849.9038
info@modernloanofficers.com
503.VIP.9038
Additional Notes:
All 3 guests are NMLS Licensed Mortgage Advisors:
Christian Kemp NMLS 633627
Addison Nett NMLS 1542184
Casey Carpenter NMLS 145813
All 3 Guests work for Finance of America Mortgage:
Additional Company Notes:
© Finance of America Mortgage LLC is licensed nationwide | | NMLS ID #1071
Home sales jump a record 21% in June, NAR says
It’s official: The U.S. won’t see a housing bubble crash anytime soon
Stay at Home Orders have US Families are looking at what they need from their properties differently
Housing market performance directly correlates with economy’s resilience
Watch LIVE Stream on FB: https://www.facebook.com/MLOpodcast
Take Advantage of our No Obligation Strategy Sessions:
If you are considering to buy, sell, or refinance do not hesitate to call text or DM: 503.847.9038
info@modernloanofficers.com
503.VIP.9038
Additional Notes:
All 3 guests are NMLS Licensed Mortgage Advisors:
Christian Kemp NMLS 633627
Addison Nett NMLS 1542184
Casey Carpenter NMLS 145813
All 3 Guests work for Finance of America Mortgage:
Additional Company Notes:
© Finance of America Mortgage LLC is licensed nationwide | | NMLS ID #1071
Almost all first time home buyers become excited for their "program" they qualify for.
Lenders break down the must know about how these programs!
Tips on how to understand if you are actually getting a deal or if you have been sold on a "program"
What are the facts of these programs?
Are they actually scams?
How to understand the difference in from a "program" or false promotion.
Take Advantage of our No Obligation Strategy Sessions:
If you are considering to buy, sell, or refinance do not hesitate to call text or DM: 503.847.9038
info@modernloanofficers.com
503.VIP.9038
Additional Notes:
All 3 guests are NMLS Licensed Mortgage Advisors:
Christian Kemp NMLS 633627
Addison Nett NMLS 1542184
Casey Carpenter NMLS 145813
All 3 Guests work for Finance of America Mortgage:
Additional Company Notes:
© Finance of America Mortgage LLC is licensed nationwide | | NMLS ID #1071
FHA has many benefits individuals can take advantage of. That being said, understanding the differences in the programs and how it impacts you financially is extremely important.
Many Mortgage Professionals won't take the time to educate home buyers, sellers and Real Estate Agents on the Pros & Cons of the two different programs.
Take Advantage of our No Obligation Strategy Sessions:
If you are considering to buy, sell, or refinance do not hesitate to call text or DM: 503.849.9038
info@modernloanofficers.com
503.VIP.9038
Additional Notes:
All 3 guests are NMLS Licensed Mortgage Advisors:
Scott Kurahara NMLS 888734
Addison Nett NMLS 1542184
Casey Carpenter NMLS 145813
All 3 Guests work for Finance of America Mortgage:
Additional Company Notes:
© Finance of America Mortgage LLC is licensed nationwide | | NMLS ID #1071
In a low interest rate market, there are many people considering refinancing their mortgages.
With unlimited amounts of information out there. What are the 3 most common mistakes when refinancing?
Is there such thing as a no cost refinance?
What to look for when Mortgage People are pitching you a refinance?
How do fees play a major role in the decision making process?
All 2 guests are NMLS Licensed Mortgage Advisors:
Christian Kemp NMLS 633627
Addison Nett NMLS 1542184
All 2 Guests work for Finance of America Mortgage:
Additional Company Notes:© Finance of America Mortgage LLC is licensed nationwide | | NMLS ID #1071
Disaster Story | Follow The Money | The Must Knows of Sourcing Your Down Payment!
What are eligible forms of funds for downpayment on a home?
How to Prevent putting yourself into a position where your cash isn't usable for purchasing a home.
How to prevent making your Loan Process a Document Chasing Disaster!
Today we have a special guest Scott Kurahara, Operations Manager and Mortgage Advisor chiming in with his experiences as a professional within the Lending industry.
If we can assist guiding you through any of the home buying and selling feel free to call or text: 503-847-9038 or
email at: info@modernloanofficers.com
We all have your back when it comes to your Home Financing on the West Coast:
Additional Notes:
All 3 guests are NMLS Licensed Mortgage Advisors:
Scott Kurahara NMLS 888734
Addison Nett NMLS 1542184
Casey Carpenter NMLS 145813
All 3 Guests work for Finance of America Mortgage:
Additional Company Notes:
© Finance of America Mortgage LLC is licensed nationwide | | NMLS ID #1071 (www.nmlsconsumeraccess.org) | 300 Welsh Road, Building 5, Horsham, PA 19044 | (800) 355-5626 | AZ Mortgage Banker License #0910184 | Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act | Georgia Residential Mortgage Licensee #15499 | Kansas Licensed Mortgage Company | Licensed by the N.J. Department of Banking and Insurance | Licensed Mortgage Banker -- NYS Banking Department | Rhode Island Licensed Lender | Massachusetts Lender/Broker License MC1071.
In the Portland Metro & SW Washington Real Estate Market, we have continued to see very competitive buyer situations. In many cases, note worthy properties have been receiving over 20 offers.
How does a home buyer remain competitive and get their offer accepted?
Can a lower down payment offer beat an all cash offer?
How to utilize the locality and reputation of your lender and agent when submitting an offer.
If you are looking for guidance on your next refinance or home purchase never hesitate to give us a call, text or message! 503-847-9038 or email info@modernloanofficers.com
We are here to help and continue to be a resource to all.
If you think now is the right time to buy a home, think again! There are more variables to that question that need to be discussed. Today we have an Roland Cochrun, Nationally recognized in the Real Estate & Mortgage Industry for his ability to grow mission-driven business owners to a life of Freedom from Financial Stress and & Career obligations. MLO & Roland are going to unpack the topic of Why this is NOT the time to BUY!
Mortgages are confusing. How do we actually know if we are getting favorable terms when refinancing or purchasing a new home. Does lowest rate actually mean best deal? Why do different lenders have different costs. What to look for when getting an estimate from a Mortgage Professional. How to break down the Loan Estimate! How to understand the "LINGO" Mortgage People use when trying to "SELL" you!
If the MLO team of Mortgage Advisors can help navigate through your refinance or home purchase please feel free to reach out: info@modernloanofficers.com | We are always here to assist!
When it comes to buying a home, credit is one of the top influencers of the actual terms (RATE) you can receive on your Mortgage. How are FICO scores determined? What is the difference between Mortgage Credit Pull and a Credit Card Score? Is Credit Karma accurate? Just a few of the subjects broken down in the episode. With an unpredictable economy and conservative investors this episode will help explain Credit from a real life perspective and help you obtain the better terms for your mortgage.
Today we unpack the topic of Loan Limits. How they change specific to the loan program you are using and in some cases the type of property you are purchasing. Later in the episode we discuss how different types of Loan Limits can play a strategy for Sellers and their considerations of Listing Prices. Are you selling or buying a home which has a smaller pool of qualified families?
Is there going to be another Real Estate Crash like we saw in 2008 or even the great depression. We have received an overwhelming amount of reach outs regarding this questions. The MLO team gives their opinion on if we are approaching another Real Estate Crash.
How do we choose a Buyers Agent or Listing Agent? What are the key questions to ask? What are the differences between and experienced professional and a Rookie?
Today MLO has the opportunity to interview Amy Donaldson: a published Real Estate Author, Industry Coach and Licensed Real Estate Agent. Amy brings her dynamic perspective and experience to enlighten us with Tips & Considerations while interviewing a Agent & Lender.
Is a Condo the best lifestyle for you? What do HOA fees cover? Why are Condos known to be more difficult to finance? How do these HOA fees reduce your buying power?
Most important considerations before buying a Condo!
LIVE PODCAST | Will there No Longer Be Appraisals? | Interview Licensed Appraiser: Craig Black
Appraisals have been a HOT topic for many years in the Real Estate Industry. How are properties appraised? What can kill a transaction from the view of an appraiser. How does the appraiser determine value? Is there a different between an appraisal for Refinance versus Purchase? Just a few questions for our Guest Speaker Craig Black today!
Why is there so much confusion between Pre Approved, Pre Qualified, Pre Underwritten? The MLO team unpacks the truth behind the terms and how different lenders might be putting your approval and real estate transaction at risk.
What is a good rate for homeowners insurance? How do home buyers and sellers compare quotes. Does cheaper mean worse insurance? Today we have a special guest Tyler Ross from Payne West Insurance to shoot it to us straight on what we need to know!
Does a lower interest rate actually benefit you? Should you refinance? How do consumer get confused when Brokers/Lenders advise them on refinancing?
Today, MLO introduces the newest member of the team, Christian Kemp. Christian informs us with the details of what to look for in a refinance and how to not to get screwed! Backed by decades of experience, Christian Kemp's insight is definitely one you will not want to miss!
Today we give insight into the unique COVID 19 environment of Real Estate and Lending. What are the struggles? How are industry professionals preventing transactions from closing late? What are the best practices for Home Buyers and Sellers to adapt to this new way of doing business?
Today in this episode, we dig into the truth behind New Construction homes. Does new really mean it is better? Why do builders want buyers to use their Lender? Casey Carpenter, a former new construction lender adds in his experience in the new construction world. What to look out for and what to be excited for!
Today Casey & Addy discuss the details of VA Loans. Is the industry supporting this Program? What are do we need to know and what is are the common misperceptions of the VA Loan Program?
Financial Advisor, Mark Meek pulls back the curtain on investment opportunities during unique market conditions. How to plan and react financially. This episode surfaces excellent information for all individuals regarding their Finances during COVID-19 pandemic. Even if you are struggling with Debt or in a position to invest there are steps to take Action and prepare.
Jumbo Loans. What are they?
So any house that seems expensive. Does that mean it's a jumbo loan? Why're lenders and banks no longer doing that?
Do we have any options?
Is the luxury division completely toasted?
LIVE recorded stream with Ed Schwartz from Symmetry Lending. Giving us some insight on how we can continue to close Real Estate Transactions that exceed the conforming loan limits.
Do we still need 20% down payment to buy a house? Mortgage Insurance, what does that even do for us? Home Buyers, Home Sellers, Real Estate Agents, all industry professional. Today we have a LIVE recorded interview with Cortney Hall from Essent Mortgage Insurance. Cortney Hall and Addy Nett break down some digestible basics of Mortgage Insurance, how the current COVID 19 environment has created a Forbearance Market, how Mortgage Insurance plays a roll in potentially saving the Real Estate Market from a complete collapse like 2008!
How are appraisals getting completed with the stay at home order? Caleb Allen of Apex Appraisal Solutions is one of the most respected appraisal industry professionals giving us all the insight on Appraisals in the Real Estate Industry during the COVID 19 pandemic.
COVID 19 will change the way all industry will conduct business moving forward. Live Studio Recording as COVID 19 Pandemic approached the Pacific Northwest. Predictions, insights, 2008 all over again? These #1 You Tube Agents break down their outlook on the industry and what direction Real Estate will head during these uncharted waters.
This is episode we have the opportunity to dive into the Insurance side of Real Estate and how this impacts our closing dates. Tyler Ross, trusted industry profession has made a name of himself with outstanding customer service and dependable on-time support. He is trusted by hundreds within his network and the Real Estate Community. Listen in to gather valuable insights to improving your home buying or home selling experience.