Loans Elevated

Think Black Friday only happens at Target? Think again. In this week’s episode, the Loans Elevated podcast breaks down why Q4 is secretly one of the best times to buy real estate  and how smart buyers and investors can use this season to negotiate thousands off list prices. We’re talking: 📉 Rates trending lower while inventory climbs 🏠 Sellers are more motivated (and willing to negotiate) 🧠 Dat...

When the government shuts down, it’s not just politics—it’s personal. From TSA employees missing paychecks to delays in government-backed loans, the ripple effects can impact everything from your mortgage process to your next flight. In this week’s episode of Loans Elevated , we break down what the current government shutdown means for homebuyers, homeowners, and industry professionals. We discuss...

Utah is transforming before our eyes. From the Inland Port and The Point project to massive tech and infrastructure expansions, the state’s economic engine is running hotter than ever—and that means major opportunities for homeowners and investors. In this week’s episode of Loans Elevated , Broch sits down with Jack Andrews of Edge Homes to break down what these massive developments mean for Utah’...

When the Federal Reserve announces a rate cut, most people expect mortgage rates to drop too. But here’s the truth: Fed funds rates and mortgage rates aren’t directly tied, and that’s where so much confusion comes in. In this week’s episode of Loans Elevated , we break down the difference between Fed rate cuts, Treasury yields, and mortgage-backed securities. We explain why mortgage rates often mo...

Rates are falling—and with them comes one of the biggest opportunities buyers and homeowners have seen in years. In this episode of Loans Elevated , we break down why waiting for the “perfect” rate could cost you tens of thousands in lost buying power. You’ll learn: How a 1% drop in rates adds 50,000 new Utah buyers to the market (and what that means for competition) The math behind refinancing wi...

Everyone says we need more affordable housing—but why is it so hard to actually build it? In this episode of Loans Elevated , we sit down with Josh Best of Countryside Homes to unpack the real reasons behind Utah’s housing affordability crisis. From zoning roadblocks and city politics to skyrocketing labor costs and fees, we reveal what’s really driving prices higher—and what (if anything) can fix...

The jobs market just showed its first real cracks in 5 years—and the ripple effect is already hitting mortgage rates. In this week’s Loans Elevated episode, we break down the latest BLS report, Fed expectations, and why this could be the golden window for buyers . You’ll learn: Why unemployment and weak job growth are now the #1 driver of mortgage rates Why Fed cuts in September are already “price...

Why are some listings flying off the market while others sit for weeks or months? In this episode of Loans Elevated , we bring on top Utah realtor Nick Gonzalez to debate the age-old question: What sells a home faster—compelling price or superior quality? You’ll learn: Why “days on market” is like cancer for listings How buyers actually calculate value (hint: they exaggerate repair costs 5–10x) Wh...

Is real estate still a legit path to retirement in 2025? In this episode of Loans Elevated , we tackle one of the most common questions we get from clients: Can I still become a millionaire through real estate in today’s market? You’ll learn: Why seller financing isn’t always the “golden ticket” (and the risks of due-on-sale clauses) The truth about chasing cash flow vs. banking on appreciation Ho...

What separates a good home from a truly great one? For Sage Homes, it’s uncompromising quality, obsessive attention to detail, and a culture that puts people first . In this episode of Loans Elevated , we sit down with Doug from Sage Homes to uncover: How Sage achieves flawless fit and finish—even where most builders cut corners Why culture and team vision matter just as much as blueprints The sto...

The Bureau of Labor Statistics just dropped another jobs report and we’re calling BS. This week on Loans Elevated , we break down how massive downward revisions and the flawed “birth-death” model are painting a false picture of the labor market… and keeping mortgage rates higher than they should be. You’ll learn: How May & June’s job gains were actually losses after revisions Why the Fed still...

Can’t buy your next home until you sell your current one? This week on Loans Elevated , we break down the smartest alternative to a traditional bridge loan—one that eliminates DTI roadblocks, minimizes fees, and gives you real leverage in this buyer’s market. You’ll learn: Why most bridge loans suck (and what makes ours different) How to exclude your current mortgage from DTI Using a fast-close HE...

Jerome Powell is (likely) out. The Fed is about to pivot. But what does that actually mean for mortgage rates, buyers, and the housing market? In this episode of Loans Elevated , we break down the complex relationship between the Fed, inflation, bond markets, global uncertainty, and mortgage interest rates. Understand: Why replacing the Fed Chair may not impact mortgage rates the way you think The...

Remember those people who said, “You’ll regret buying in 2022” ? This week on Loans Elevated , we set the record straight and bring the data receipts. You’ll learn: What actually happened to home values since 2022 Why the average buyer has gained $30K–$60K+ in equity How temporary buydowns work (and why they weren’t a trap) Why waiting for “the perfect rate” cost some people their shot How to use...

The media is still pushing fear. TikTok is full of bad advice. And most buyers are sitting on the sidelines, waiting for a “better time.” In this episode of Loans Elevated , we dismantle the 5 most common homebuying myths with real math, real market stats, and zero fluff. You’ll learn: Why “waiting for rates to drop” is a financial trap How renting is actually riskier than buying Why you don’t nee...

Can you actually buy a home in 2025 with no money out of pocket? The answer is YES, and it might be the smartest financial move you make this decade. In this week’s episode of Loans Elevated , we dismantle the biggest myth in real estate (“you need 20% down”) and walk through real client strategies for buying homes with $0 cash out of pocket —even paying off debt along the way. You’ll learn: The t...

Everyone’s talking about affordability, but most of the conversation is dead wrong . It’s not just about the monthly payment. It’s about control, stability, and long-term financial leverage. In this episode of F.U.E.L. by  Loans Elevated , we sit down with real estate agent (and former compliance officer) Jon Bass to unpack the real definition of affordability in 2025 and why homeownership is stil...

A client walked into our office this week ready to pay 4 points on his loan, all because Google told him to. But here’s the problem: not only would it not get him the rate he wanted… it would’ve cost him thousands in the long run. In this week’s episode, we’re breaking down the real math and strategy behind mortgage points. You’ll learn the difference between discount points , origination points ,...

Listing inventory is rising. Days on market are climbing. Price reductions are creeping in. If you’re a real estate agent feeling the pressure, this episode is for you. In this tactical episode of Loans Elevated , we break down what we learned at Tom Ferry’s Listing Edge event and how we’re helping agents fight back using our Sell Like The Builder strategy. Spoiler: It’s not just about photos or p...

Are you prepared if the next recession hits? In this episode of the Loans Elevated Podcast, we break down exactly how to recession-proof your finances before it’s too late. We cover: Strategic mindset shifts that build resilience How to analyze your true monthly expenses Real-world hacks to reduce spending and boost savings Why a recession isn’t the end—it's a wealth transfer opportunity How...

Most people think building wealth through real estate is complicated or out of reach, but what if all it took was two homes ? In this special episode of Loans Elevated , we unpack a live talk we gave to the Salt Lake Board of Realtors about transformational real estate planning . You’ll learn why real estate is still the #1 path to wealth, how to shift your thinking from transactional to strategic...

What if your income dropped by 50%… tomorrow ? What if the banks froze your credit lines and you had no access to cash? Could you survive the financial storm? In this episode of Loans Elevated , we run a complete financial fire drill —inspired by our latest blog post—to help you simulate worst-case scenarios before they happen. We cover the 9 critical questions everyone should ask to protect their...

Buying a home isn’t just about the payment. In this episode, we break down the truth behind holistic mortgage planning, why liquidity trumps low payments, and how smart leverage creates wealth—not stress. We cover: How to plan for future income (and avoid buyer’s remorse) When it’s smarter to pay off a car vs. put more down Why putting all your money into a house can backfire How to structure your...

Is your credit score actually accurate? If you're relying on Credit Karma, there's a good chance the number you see isn’t even close to what lenders use. In this bonus F.U.E.L. episode from The Loans Elevated Podcast, we sit down with JP from UQUAL to break down the truth behind credit scores in 2025. → Follow Juan on Instagram: @madaboutcredit → Learn more about UQUAL: https://uqual.com...

Selling a home in 2025 isn't one-size-fits-all, especially in this market. In part two of our Match & Mirror series, we break down the 4 most common types of sellers agents will face and exactly how to win them over. We unpack how to identify each type, exactly what they need from you, and how to adapt your sales approach to WIN. If you're tired of losing clients to other agents or s...