The Mortgage Reports Podcast

Embarking on the journey to homeownership can be exhilarating yet daunting for first-time buyers. In this episode, Mortgage Expert, Ivan Simental NMLS# 1762746 guides you through the vital questions that every first-time homebuyer should ask. Join us as we uncover not only the common inquiries but also those often overlooked, and how these questions can transform your home buying experience.

Learn more about the home buying process, refinancing, and real estate investing at themortgagereports.com 

The Mortgage Report Podcast presented and operated by FULL BEAKER, INC. NMLS#1019791

Equal Housing Opportunity.

Are you facing the challenging decision of removing someone from a mortgage? Whether it's a divorce, a change in financial circumstances, or a co-borrower's desire to step away from the responsibility, navigating the process can be daunting. In this episode, Mortgage Expert Ivan Simental NMLS# 1762746 explores the strategic approach of using refinancing as a means to remove a name from a mortgage. He shares insights into the refinancing process, highlighting its potential benefits and drawbacks. 

But is refinancing the only option? Tune in as we delve into the question of whether it's possible to remove someone from a mortgage without the need for a full refinancing process. 

Learn more about the home buying process, refinancing, and real estate investing at themortgagereports.com 

The Mortgage Report Podcast presented and operated by FULL BEAKER, INC. NMLS#1019791

Equal Housing Opportunity.

In this episode of The Mortgage Reports Podcast, host Craig Berry NMLS# 200401 is joined by Rebecca Richardson aka @the.mortgage.lender on TikTok, a top originator in the mortgage industry. Rebecca shares her journey of how she stumbled into the mortgage business and her passion for finance. With a strong presence on social media, she discusses her success on platforms like TikTok and Instagram. Tune in to learn more about Rebecca's story and her unique perspective on the mortgage industry.

The views and opinions expressed are those of the speakers and do not necessarily reflect those of The Mortgage Reports.

Jump ahead to listen:
[00:01:03] About Rebecca's experience in mortgages 
[00:06:29] Break down of the home buying experience, for first-time buyers
[00:09:31] Why working with a transparent lender is key 
[00:11:27] Understanding interest rates and housing market. 
[00:15:59] The 2023 housing market, explained
[00:23:43] Using TikTok for home buyer education 
[00:26:09] Being your authentic self

The Mortgage Reports Podcast is operated by Full Beaker, inc. NMLS# 1019791

Equal Housing Opportunity.

Are you a first-time homebuyer feeling lost in the world of credit scores and mortgage qualifications? In this enlightening episode, mortgage expert Ivan Simental NMLS# 1762746 dives into the crucial factors that determine a good first-time buyer credit score and unravel the mystery behind credit score requirements for various loan types. He also provides tips on how to get your credit score in good shape. 

Learn more about the home buying process, refinancing, and real estate investing at themortgagereports.com 

The Mortgage Report Podcast presented and operated by FULL BEAKER, INC. NMLS#1019791

Equal Housing Opportunity.

In this episode, Mortgage Expert, Ivan Simental NMLS# 1762746 explores the intricacies of buyers' markets and sellers' markets. He breaks down the essential differences between these two market types, exploring what characterizes each and how they influence your journey as a buyer or seller. Tune in to gain valuable insights, actionable tips, and a comprehensive understanding of how to navigate the shifting tides of real estate markets.

Learn more about the home buying process, refinancing, and real estate investing at themortgagereports.com 

The Mortgage Report Podcast presented and operated by FULL BEAKER, INC. NMLS#1019791

Equal Housing Opportunity.

In this episode of the Mortgage Reports Podcast, host Craig Berry NMLS# 200401 welcomes Mark Gordon, the Chief Revenue Officer of Princeton Mortgage. Mark shares his expertise in the mortgage industry, discussing his role in helping loan originators reach their full potential through coaching and guidance. He highlights the importance of supporting younger individuals reach their next level of success. By addressing and conquering their obstacles, individuals can unlock their full potential and pursue their career aspirations with confidence.

>>Learn more about home buying, refinancing and real estate investing at themortgagereports.com

Jump to Listen Ahead:
[00:02:29] Changes in Mark's role. 
[00:04:29] Overcoming limited mindsets. 
[00:06:23] Radical transparency. 
[00:11:02] The Princeton Promise. 
[00:12:37] Transparency and accountability. 
[00:16:11] Player's mindset and discipline. 
[00:22:29] Selling real estate strategies. 
[00:24:31] Partnering to accelerate business growth. 

The Mortgage Reports Podcast is operated by Full Beaker, inc. NMLS# 1019791

Equal Housing Opportunity.

In this episode of The Mortgage Reports Podcast, host Craig Berry NMLS# 200401 is joined by mortgage expert and founder of My LFG Energy Society, Arjun Dhingra NMLS# 1166050. They discuss the positive impacts of higher mortgage rates. They also explore the importance of financial literacy in today's market and how lenders can make a difference in the real estate industry. Arjun shares his journey into the mortgage business and highlights the need to bridge the financial literacy crisis in the US.

>>Learn more on themortgagereports.com

Jump to Listen Ahead:
[00:01:42] Accidental entry into mortgage business. 
[00:05:21] Normalizing the housing market. 
[00:07:04] Negotiating in the real estate market. 
[00:11:30] Interest rates and value. 
[00:15:18] Financial literacy in America. 
[00:21:01] Being commoditized in the industry. 
[00:27:03] Pitting rate shopping against consumer's best interest. 
[00:34:37] Lower mortgage rates in future. 
[00:37:07] My LFG Energy Society. 
[00:43:25] The housing market crash. 

The Mortgage Reports Podcast is operated by Full Beaker, inc. NMLS# 1019791

Equal Housing Opportunity.

In the current real estate landscape, potential homebuyers and homeowners are constantly keeping a watchful eye on mortgage rates, hoping to secure the best deal for their dream homes or to refinance their existing loans. But what will bring these rates down? In this episode, mortgage expert Arjun Dhingra NMLS# 1166050 breaks down the factors that influence mortgage rates and explores potential scenarios that could lead to a decline in rates. 

Learn more about home buying, refinancing and real estate investing at themortgagereports.com

The Mortgage Reports Podcast is operated by Full Beaker, inc. NMLS# 1019791

Equal Housing Opportunity.

Join mortgage expert Ivan Simental NMLS# 1762746 as he discusses the concept of debt-to-income ratio (DTI) and its crucial role in determining your ability to purchase a home. Whether you're a first-time buyer or considering a new mortgage, understanding the significance of DTI is essential for navigating the homebuying process with confidence.

Ivan guides us through the ins and outs of DTI. He discusses what DTI is, how it is calculated, and why lenders consider it when assessing your mortgage application. Gain valuable insights into the ideal DTI range and learn strategies for managing your DTI, including tips for reducing debt and increasing income to improve your financial profile. 

>> Read the article "Debt-to-income ratio for mortgage explained"

Learn more about home buying, refinancing, and real estate investing at themortgagereports.com

The Mortgage Reports Podcast is operated by Full Beaker, inc. NMLS# 1019791

Equal Housing Opportunity.

In this episode of The Mortgage Reports Podcast, host Craig Berry NMLS# 200401 is joined by Matthew Van Fossen, entrepreneur and CEO of Absolute Home Mortgage & Mortgage Automation Technologies. They discuss the need for innovative technological solutions in the mortgage industry and the benefits that both consumers and lenders can gain from this. Van Fossen emphasizes the importance of embracing technological advancements and understanding consumer evolution to remain competitive in the mortgage lending industry. Tune in to hear more about the evolving landscape of mortgage technology.

>>Read more about Matt Van Fossen on themortgagereports.com

Jump to Listen Ahead:
[00:02:06] Mortgage origin stories 
[00:05:58] Advocacy for mid-sized mortgage banks. 
[00:09:05] Advocacy and Technology in Mortgage Industry. 
[00:11:00] Consumers will evolve. 
[00:15:31] The loan pod technology. 
[00:17:27] Loan pod innovation. 
[00:21:27] A singular portal for consumers. 
[00:25:08] Consumer choice in mortgage process. 
[00:28:01] Mortgage automation technology customers. 
[00:33:32] The Digital Mortgage Initiative. 
[00:35:14] True digital-based mortgage. 
[00:38:50] What's coming next for you?

The Mortgage Reports Podcast is operated by Full Beaker, inc. NMLS# 1019791

Equal Housing Opportunity.

In this episode, mortgage expert Arjun Dhingra NMLS# 1166050 dives into the advantages of high interest rates across various economic sectors. He explores the reasons why elevated interest rates can be a positive force for individuals, businesses, and the overall economy.

Learn more about home buying, refinancing and real estate investing at themortgagereports.com

The Mortgage Reports Podcast is operated by Full Beaker, inc. NMLS# 1019791

Equal Housing Opportunity.

In this episode of The Mortgage Reports Podcast, host Craig Berry NMLS# 200401 is joined by Mike Hardy, principal and co-founder of CYRUS Opportunity Zone Fund and managing partner of California & Nevada business for Churchill Mortgage. They discuss the current state of the housing market and compare it to the market before the housing crisis 15 years ago. Mike shares how he got into the mortgage industry and his journey from being a pre-med student to becoming a successful mortgage professional. Mike also shares his personal journey of transitioning from a "do it yourself" mentality to outsourcing tasks and protecting their time to focus on their zone of genius.

>>Read more about Mike Hardy on themortgagereports.com

Jump to Listen Ahead:
[00:02:03] Transition into mortgage industry. 
[00:07:19] Healthy homes and families. 
[00:08:25] Finding your zone of genius. 
[00:12:43] Automate, delegate, or eliminate. 
[00:19:31] Focus and determination. 
[00:22:21] Dramatic under supply of homes. 
[00:25:11] Affordability and housing demand. 
[00:29:31] Conflicting forces in the market. 
[00:33:11] Prolonging Gen Z's ability to buy. 
[00:37:07] Opportunity zones. 
[00:41:09] The Almanac of Naval Ravikant. 
[00:44:41] Overcoming fear in real estate.

The Mortgage Reports Podcast is operated by Full Beaker, inc. NMLS# 1019791

Equal Housing Opportunity.

In this episode, mortgage expert Ivan Simental NMLS# 1762746 tackles the topic of downsizing your home and explores the strategic use of home equity to facilitate a seamless transition to a smaller property. Whether you're an empty-nester looking to simplify your lifestyle or someone seeking to optimize your finances, downsizing can offer a range of benefits.

Ivan discusses the various options available, including selling your current home, using the equity to make a cash purchase, or utilizing it as a down payment for a new property. Discover the potential financial advantages of downsizing and learn about the important considerations involved in assessing your home's value and estimating your equity.

Whether you're approaching retirement, seeking a simpler lifestyle, or looking to free up funds for other goals, this episode will equip you with the knowledge and strategies to leverage your home equity effectively.

Learn more about home buying, refinancing, and real estate investing at themortgagereports.com

The Mortgage Reports Podcast is operated by Full Beaker, inc. NMLS# 1019791

Equal Housing Opportunity.

In this episode of The Mortgage Reports Podcast, Craig Berry NMLS# 200401 is joined by Brad Nix, CEO and co-founder of Path & Post Real Estate. They discuss the current housing market and provide tips for buyers and sellers on how to navigate it. Brad, with 25 years of experience in real estate, shares his insights on the unique nature of the current market and how it differs from previous downturns like the 2008 housing collapse. Tune in to gain valuable knowledge on the current state of the housing market and how to make the most of it.

>>Read the article on themortgagereports.com

Jump to Listen Ahead:
[00:01:48] The unique current housing market. 
[00:06:54] Choosing the right agent. 
[00:07:45] Checking agent reviews and results. 
[00:11:14] Understanding seller's priorities. 
[00:14:03] Pre-closing walkthrough and home condition. 
[00:22:07] If mortgage rates drop. 
[00:24:36] Affordability in America. 
[00:29:58] Don't rely on headlines. 
[00:32:12] Connecting with Brad Nix.

The Mortgage Reports Podcast is operated by Full Beaker, inc. NMLS# 1019791

Equal Housing Opportunity.

In this episode, mortgage expert Arjun Dhingra NMLS# 1166050 dives into one of the most common dilemmas faced by prospective homebuyers and investors: Should you wait for lower interest rates or make a purchase now?

Arjun explores the factors that influence this choice and provide valuable perspectives for listeners. Discover the potential risks and rewards associated with timing the market and the advantages and disadvantages of waiting for lower interest rates. Whether you're a prospective homebuyer or an investor, you'll gain practical insights to help you make informed decisions.

Learn more about home buying, refinancing and real estate investing at themortgagereports.com

The Mortgage Reports Podcast is operated by Full Beaker, inc. NMLS# 1019791

Equal Housing Opportunity.

In this episode, mortgage expert Arjun Dhingra NMLS# 1166050 explores the captivating world of real estate and tackles the burning question on everyone's minds: Why hasn't the housing market crashed?

Over the past few years, the housing market has experienced remarkable growth and resilience, defying expectations of a significant downturn. Despite economic uncertainties, rising interest rates, and occasional bubbles in the market, the housing sector has remained steadfast.

Join Arjun as he dives into the factors contributing to the housing market's remarkable stability despite economic uncertainties and potential pitfalls.

Whether you're a prospective homebuyer, an investor, or simply curious about the intricacies of the economy, this episode sheds light on why the housing market continues to defy expectations.

Learn more about home buying, refinancing and real estate investing at themortgagereports.com

The Mortgage Reports Podcast is operated by Full Beaker, inc. NMLS# 1019791

Equal Housing Opportunity.

In this episode, Mortgage Expert Ivan Simental NMLS# 1762746 dives into the intricacies of buying and selling a home simultaneously, a real estate juggling act that requires careful planning and strategy. Whether you're upgrading, downsizing, or relocating, the challenge of coordinating the sale of your current home with the purchase of a new one can be daunting.

Ivan explores the crucial steps involved in successfully managing both sides of the equation, offering valuable insights and practical tips to make your dual transaction a smooth and stress-free experience. He also discusses how to make financing work from different options including home equity line of credit (HELOC), 401k, bridge loans and more.

>> Read the article ">> Read the article "Buying and Selling a House at the Same Time: How You Can Make It Work"

Learn more about the home buying process, refinancing, and real estate investing at themortgagereports.com

The Mortgage Report Podcast presented and operated by FULL BEAKER, INC. NMLS#1019791

Equal Housing Opportunity.

In this episode, mortgage expert Ivan Simental NMLS# 1762746 delves into the critical task of determining your budget and finding the perfect price range for your dream home. Whether you're a first-time buyer or a seasoned homeowner looking to upgrade, understanding your financial limits and aligning them with your housing aspirations is key to a successful home purchase.

Join Ivan as he discusses:

1. The factors that impact how much you can spend on a home
2. Calculating how much you can actually afford
3. What lenders look for when qualifying a mortgage
4. Tips to find a comfortable home price range and obtain loan approval

Learn more about home buying, refinancing, and real estate investing at themortgagereports.com

The Mortgage Reports Podcast is operated by Full Beaker, inc. NMLS# 1019791

Equal Housing Opportunity.

In this episode, Mortgage Expert, Ivan Simental NMLS# 1762746 explores a unique strategy for aspiring entrepreneurs: utilizing home equity to kick-start their business dreams. He shares his insights on how to navigate the process of using home equity and discusses the potential advantages, such as lower interest rates and flexible repayment options, as well as the risks and challenges associated with this approach.

From understanding the eligibility criteria and the impact on your home ownership to calculating the ideal loan amount and considering alternative funding sources, Ivan covers the key factors you need to know before leveraging home equity. Whether you're a first-time business owner or a seasoned entrepreneur, this episode equips you with essential knowledge to make informed decisions and unlock the potential of your home equity for entrepreneurial success.

Learn more about the home buying process, refinancing, and real estate investing at themortgagereports.com 

The Mortgage Report Podcast presented and operated by FULL BEAKER, INC. NMLS#1019791

Equal Housing Opportunity.

In this episode Mortgage Expert, Ivan Simental NMLS# 1762746 tackles the delicate art of negotiating with a stubborn seller and explores when it's best to walk away from a deal that's just not working out.

Ivan explores tactics for dealing with stubborn sellers and guides listeners through the intricacies of negotiating with finesse, providing invaluable advice on when to stay and when to walk away from a deal. He also discusses the consequences of not walking away, such as overpaying or ending up with a less-than-desirable deal.

Whether you're a prospective homebuyer, an investor, or a real estate enthusiast, this episode provides you with the tools and insights needed to master the art of negotiation. Don't miss out on this valuable opportunity to enhance your negotiation skills and make informed decisions when faced with stubborn sellers.

Learn more about the home buying process, refinancing, and real estate investing at themortgagereports.com 

The Mortgage Report Podcast presented and operated by FULL BEAKER, INC. NMLS#1019791

Equal Housing Opportunity.