Mortgage Space

In this episode we get a chance to spend time with a good friend of mine and a great Real Estate Professional Bobby Chalhoub. Bobby has been in the industry for over 15 years with history in construction, project management, restaurant advising and real estate sales and flips. We have a robust discussion about end of 2023 and the prospect of an accelerated market in 2024. Real estate is expected t...

Sometimes you need to just pick up the phone! Alex Daredia and I talk about daily disciplines that have catapulted his career to becoming a top agent with production that rival some teams! Cold Calling has been one of those disciplines. As a student of Mike Ferry, he has been growing yearly when other agents have been floundering. He credits much of his "wins" to his coaching and desire...

Anselmo Moreno from Innovative Credit Solutions has been a leading industry expert in the world of credit scoring improvement, debt settlement and credit repair. His firm emphasizes the importance of credit education to reduce "repeat" offenders and "Make credit great...Again." We discuss in this episode some really foundational topics like credit scoring models, starting credit, the difference be...

In this episode we reconnect with my good friend and business partner Marvin Bush. An industry veteran Real Estate Professional.  Topics include the economic experience of real estate during the pandemic and the radical shift we have been experiencing due to inflation. We also ask the question: "What are the biggest mistakes made by buyers and sellers?"  If you would like to connect with...

Marvin Bush from Premier Realty is an accomplished Real Estate Professional with over 25 years experience in both buying and selling real estate. His passion is listing and selling homes. We explore some important questions that need to be answered for most all sellers when listing a home. Price is only one piece of the puzzle, there are details that will help you to get top dollar for your sale a...

I get the question all the time, "how much down payment do I need to buy a home? How much do I need if I would like to buy an investment property?" I answer these questions and break down the requirements by loan type and common expectations for primary, second home / vacation homes and investment properties. If you have questions, please call me at 661-496-9311 or email mortgagespace@gmail.com

Common "Do and Don'ts" During the Home Loan Process and Escrow

In this episode we discuss the total cash to close. Many times, we can get caught up in the process but, at the end we really need to know how much money is needed to close and where to source it. We discuss the required down payments by loan type and some strategies on how buyers can save to get into a home. We discuss closing costs, its definition, seller credits or Interested Party Contribution...

In this episode we talk with Andrew McCormack. He is a Solar Educator with SunPower by Sun Solar. I have spoken with many solar companies and he is by far one of the best educated on the topic. We discuss the evolution of solar power on residential properties, the changes in the industry as it relates to how to 'go solar'. I also dive deeper into the aftermath of having solar on properties and how...

In this episode we speak with Bret Dixon from Old Republic Home Protection. They are a National Home Warranty company and offer solutions to the important piece of home buying, the aftermath.... Bret and I discuss what happens once the house is officially yours and why it is important to know what home warranty does to give the homeowner peace of mind. Check out their website at: https://www.orhp....

In this episode we dive deep into the actual details on how a mortgage bank will view your student loan repayment. It is a growing concern for many home buyers and not just Millennials! Our nation's student loan debt has eclipsed $$1.5 Trillion dollars and the average student loan debt is $37,000 per student. YOU NEED TO HEAR THIS PODCAST. It has some key details on how to best qualify based on lo...

This has been a highly anticipated podcast for me because nearly all residential purchases that require financing have an appraisal completed for the bank. In this episode with talk with Marc Kamyab a Certified Residential Appraiser with over 30,000 hours of appraising experience. He has appraised homes valued as much as $7 million+ down to the everyday single family residence in conforming neighb...

In this episode we have special guest, Cecile Shanklin from Ticor Title! With over 35 years of Real Estate, Title and Escrow experience she lays out for us the framework of what escrow is, it's process and the title side of a real estate transaction. She also discusses some "oops" moments where mistakes were made by not going through an escrow and how it became financially devastating to those inv...

In this episode, we talk with seasoned flipper and Real Estate Advisor, Alex Mora! In his career, he has been actively involved with over 2000 transactions and over $525,000,000 in property flips and sales in the central valley. Let's take a listen to the mindset, preparation and planning it takes to become a property flipper! Just so you know... it is not for everyone! Alex Mora can be reached at...

In this episode we bring back Credit Expert Anselmo Moreno to have an in depth discussion about what I like to call, "Credit Catastrophes". Perhaps you know someone who had to file for Bankruptcy, went through a divorce, had to foreclose on a home or short sale a property. This is the episode to take a listen to. We breakdown some key elements of 'how' to re-establish and to how to become mortgage...

"We know a thing or two, because we have seen a thing or two!" In this episode we have the opportunity to hear from one of the country's premier insurance agents Marcy Parmley! With over 30,000 hours of experience, she is currently ranked #5 in the entire country of over 17,000+ licensed Farmers agents. We discuss the difference between insurance coverage required by mortgage companies and what is...

In this episode I dive into first time home buyer programs with down payment assistance and limited out of pocket options. We cover the CalHFA program, GSFA Platinum program, Fannie Mae's HomeReady, Freddie Mac's HomePossible and Home Possible Advantage. This has been a really hot topic that I have had request for more information on. Please email me with any questions or feedback. mortgagespace@g...

Anselmo Moreno of Innovative Credit Solutions speaks 'live' with an audience about the elements that are crucial to becoming "mortgage ready" with your credit. He discusses the different credit scoring models, the availability of free credit reports and the importance of managing your credit liabilities. Key focus on what takes the score to the threshold for mortgage finance.

Thanks to our Army Veteran Maribel! She took some time out of her busy schedule as a self -employed mother of a toddler to go over her experiences with the VA home loan and the process. Get your DD214! Get your home!

In this episode we talk with credit industry master Anselmo Moreno of Innovative Credit Solutions. We discuss the importance of understanding what affect a credit score and what are some common credit myths and how to maximize your credit scores and obtain the absolute best terms for credit that a bank can offer. Visit his podcast www.extracreditshow.com

In this episode we revisit an article from 2011 titled,"Keep the Ship Afloat Through Responsible Lending". After the mortgage crisis banks were forced to protect their assets and create more strict guidelines to promote quality loans and to reduce losses.

In this episode we jump right into a "live" home buyer workshop. Details on loan products, what lenders are looking for and how we view the loan application. Focus is on the unique nature of every applicant. We are focused on customizing as many options that are available for each applicant.

In this episode we talk with Diana Aronson. She has been a real estate agent for over 10 years and has guided hundreds of families to their perfect home. We discuss the importance of working closely with your lender and details how to best be prepared to make the best offer to get your offer looked at with serious consideration. Diana Aronson BRE#01847327

In this episode we discuss an introduction to the home loan process. From Pre-Approval, contract, inspections, loan doc signing to keys!

What, why and who for? A little about me and my vision for this podcast!