Finance With Factor

Reverse mortgages may be the most misunderstood tool in retirement planning. In this week's episode, reverse mortgage expert Harlan Accola breaks down the "three buckets of wealth," debunks some of the biggest myths surrounding housing wealth, and explains how home equity can play a strategic role in protecting and growing retirement assets. Whether you're planning for retirement...

Michael Chase — a 20-year commercial lending veteran and Managing Director at a national commercial mortgage lender — challenges traditional residential mortgage thinking by exploring how a “collateral swap” could help solve the housing market pressure from the "lock-in effect" as owners hesitate to give up their low rate mortgages. We discuss how residential lenders could learn from the...

What if recruiting wasn’t about closing—but connecting? In Connect People, Hire Production, mortgage recruiter Samia DeMarco shares how real relationships—not scripts—drive results. We dig into her best tactic: using events to create value, spark genuine connections, and attract talent organically. If you’re a real estate broker, branch manager, or small business owner looking to grow your team th...

Connor Bartley, host of "The LO Down" podcast shares lessons he's learned as a recruiter that can benefit anyone looking to grow their network — with trust, value, and genuine relationships.  He shares tangible action items and marketing tips on how you can add genuine selfless value by understanding people’s goals giving you a competitive edge.  This episode will help you turn a col...

Many homebuyers stretch and twist themselves into painful positions trying to save 20% down — and listing agents often (incorrectly) view down payment size as a measure of a buyer’s qualification. In this episode, Louis Chinappi of Arch MI explains why low-down payment loans with private mortgage insurance (PMI) can be a smart homebuying strategy.  Louis breaks down what mortgage insurance really...

Bea Murphy (@bmurphy388) of Lamacchia Realty to break down how she’s leveraged raffles, giveaways, and community-focused contests to quickly grow her social media following — and her real estate business.  She shares how to host online giveaways to find clients, grow your social media followers, and translate online buzz into real-life clients. If you want to boost engagement, grow your audience,...

What if your dream home in retirement feels just out of reach—unless you cash out your investments? This is the dilemma so many homeowners face, living on a fixed income and feeling stuck in the wrong home because they are mortgage free or in a 3% rate. In this real-life client call, our team walks through homebuying and financing options for a soon to be retiree whose income alone couldn’t qualif...

Abigail Gaw, a personal wellness and business consultant joins me for a coaching session.  We explore the true meaning of health and wellness, emphasizing the importance of holistic approaches that go beyond diet and exercise. Abigail shares insights on digital wellbeing, work-life balance, and the necessity of setting boundaries in both personal and professional life. The discussion highlights th...

Every client meeting is basically an audition. If you are a Realtor, sales professional, and business owner , tune in and learn from how performers prepare, manage nerves, and deliver their best when the spotlight’s on. You will be surprised by how much of Kevin's tips and advice is relevant to your business. This episode is packed with takeaways on how to: build confidence, prepare like a pro, an...

Darren Lee, board member of Friends of Boston’s Homeless, shares his powerful story of resilience. At 7 years old, Darren became unhoused when his mother courageously escaped an abusive spouse. With the support of community organizations and advocates, he found stability and went on to achieve personal and professional success. We talk about the realities of childhood homelessness, domestic violen...

Back-to-school isn’t just for kids—real estate pros need engaging education too. Marisa Suescun of the Boston Debate League shares strategies to design workshops, panels, and seminars that captivate well-seasoned colleagues and first-time learners alike.

Adam Shulman, Realtor with Leading Edge, reflects on how his background as a social worker shaped the way he approaches real estate. He shares how listening skills, patience, and adaptable communication have helped him serve clients more effectively. Through relatable stories and practical advice, Adam reveals how to consciously draw lessons from your own life experiences to grow both personally a...

In a fast-moving, competitive market, writing a winning offer is as much an art as it is a science. Angela Zullo, Realtor with Lamacchia Realty and YPN GBAR Committee Board Member, joins the podcast to break down the most effective strategies we discussed at GBAR’s recent panel "The Art of the Offer" to share our key takeaways. Tune in to learn the tips and stratagies some of Boston’s be...

Bea Murphy, Realtor with Lamacchia Realty, shares insights from both her own experiences and teaming with her real estate investor clients. She breaks down how to evaluate short-term vs. long-term rental opportunities and what factors to consider before making an offer. Bea also offers practical tips on preparing for and managing the unique challenges of short-term rentals. Whether you're a fi...

Jim Major, Realtor at Lamacchia Real Estate & Director of the Greater Boston Association of Realtors and Director of the Massachusetts Association of Realtors, joins Debbie Sousa, Director of the Massachusetts Mortgage Bankers Association, to break down the key legislation and policy debates shaping the future of housing in Massachusetts. As leaders and local experts, they offer insider insigh...

To be clear, nobody actually calls Adam Shulman, Realtor with Leading Edge Real Estate, "Malden Man" or any version of that. But, Adam has invested time to become a go to local expert, advocate, and resource within the Malden business community. He leverages his connections to promote and platform local small businesses and small business owners while creating genuine off camera relation...

More than 6,800 residential real estate agents switched brokerages this spring, a 66% increase from the same quarter last year. Jeremy Poock Esq, founder of Senior Attorney Match, dives into business transition and acquisition planning, offering guidance on how to sell, pass down, or grow your business. With market volume still tight and an aging workforce, many lenders, realtors, and attorneys ar...

Jeremy Vaille, Financial Advisor at Arsenal Financial and host of The Arsenal Money Clip Podcast, to debunk one of the most common investing myths: timing the market. Jeremy explains why trying to outsmart market cycles is more risk than reward—and how consistency often beats prediction. Whether you're in real estate or traditional investing, timing may seem like everything, but in reality, it...

Carrie Couglin, Director of the Friends of Boston's Homeless, shares the dramatic and increasing needs of our most vulnerable neighbors struggling with homelessness. As a housing first organization, the FOBH teams with community partnerships and a variety of grants to secure safe, sustainable, permanent housing for unhoused neighbors in need. Despite a 10% increase in demand, in 2025 alone, mostly...

The Rise Above Foundation is committed to providing foster children with enriching experiences that promote normalcy, comfort, and self-esteem. I was honored to join co-founder Sara Baldiga and board member Nick Pelletier of Pelletier Properties in their recent effort to build a playground at the Leominster DCF Office. On this episode, we discuss the project and how businesses can integrate philan...

Aimée Dodson, Chief Engagement Officer at Movement Mortgage, discusses the company’s unique role as an "Impact Lender" and its commitment to giving back to communities. Movement Mortgage leads the way by donating 49% of its annual profits to local non-profits, setting a high standard for philanthropy in the lending industry. Aimée invites real estate professionals, lenders, and agents to...

Joel Fanjoy, Regional Senior VP of Insurance Sales at William Raveis Insurance, discusses the impact of insurance on housing affordability. With rising premiums due to new condo insurance guidelines, natural disasters, and other market pressures, homebuyers are feeling the strain. Joel shares expert insights on how to manage controllable factors to protect your insurance, ensuring you don't ge...

As pitchers and catchers report, learn how Coach Joel Barrett, of Joel Barret Baseball & Softball, embraces being called the "best looser" with enthusiasm. His "win or learn" mentality will change your business, make your home buying process more enjoyable, and/or help you live a more positive life. If you have ever been too hard on yourself or let competition and negativit...

Nicole Pinkos, real estate attorney with Hornung & Scimone, shares expert tips how to navigate property transactions in probate, breaking down key terms and answering essential questions for agents, sellers, and buyers. Tune in for practical tips and advice to ensure a smooth real estate process.

Dr. Samantha Welchman (of Hanover Physical Theropy) explains the importance of being proactive with your health, fitness, and physical therapy by taking small realistic steps, instead of waiting for the big injury needing rehab. We discuss how this approach mirrors creating an achievable business plan--setting goals, staying accountable, and tracking progress. Listen to the full episode for tips a...