The HartBeat Show Podcast

  I have heard it all when it comes to Underwriters. Many people on our business have made Underwriters out to be these people that sit in dark rooms, laughing manically while they request random annoying things from borrowers but luckily it is actually not like that all. I thought it would be awesome to pull the curtain back on the Underwriter position, so you can see what their job ent...

 Mortgage interest rates can be very confusing. They change every day and sometimes several times a day. So many factors are weighed when you a rate is being calculated. Credit scores, loan to value, property type, occupancy type and loan amount size or just a few of these items. To learn more about interest rates, I went straight to the man himself, VanDyk Mortgage Secondary Manager Jon Barn...

To start off our Perfect Loan Process series explaining all aspects of the mortgage process, it makes sense to start with the Loan Processor. This is a person that you will be highly involved with from contract to close. No better person to explain what a Loan Processor does than VanDyk Mortgage Operations Manager, Rich Passante. Rich and I get to discuss all aspects of the Loan Processors job and...

Got to spend some time with this year’s District 18 High School Football Coach of the Year, James Delgado. Riverdale Raiders had an amazing season and James was voted as Coach of the Year by his peers in SWFL. They went 10-1, won the Battle of the Bell vs their rival Lehigh, won districts and have had an amazing impact on the Riverdale community. We discussed his path in coaching, community work,...

There is no better person in SWFL to discuss Bankruptcy with than Carmen Dellutiri of Dellutri Law Group. Carmen explained Bankruptcy in very simple terms and we covered many topics of Bankruptcy. Some of the topics were: What are the main reasons that cause Bankruptcy? Hint, medical bills are not one of the top reasons. What is the difference between Chapter 7 and Chapter 13? What debts CAN NOT b...

Did your teenager just buy a car? Do you know not know the basic maintenance of your own vehicle? You need to listen to Master Mechanic Jason Labonte of Legendary Automotive in Fort Myers discuss the basic maintenance of your vehicle. I also found out what “Rolling Coal” means. Hint: It wastes gas. It was a great talking with Jason and don’t forget that we did two other interviews with him. “The F...

Are you a parent of a teenager that is ready to buy a used car? Maybe you are looking to buy a used car for yourself. Spend a few minutes with Master Mechanic Jason Labonte from Legendary Automotive and Truck Service LLC as he explains what to look for when buying a used car. Feel free to share this with anyone you know who may be in the market for a used car for them or their Teenage driver. Subs...

Are you a fan of Back to the Future? I am and that is why I loved this interview! I got a chance to sit with Jason Labonte of Legendary Automotive and Truck Service LLC in Fort Myers to discuss the future of cars. We all know that technology is not slowing down and very year vehicles are getting more and more cool features. Jason and I discuss self-driving cars, flying cars, how your car is basica...

I got a chance to discuss a new loan program for self employed buyers with Jeff Tumbarello of Steelbridge Realty. There are NO tax returns required and we use 12 months of Business Bank Statements to prove income. Feel free to share this with anyone that is self employed and wants to buy a home.  You can call me at 239-437-4278 if you need help right away.  Enjoy the show guys! I do Mort...

Everyone in Fort Myers knows Ozzie Morrobel but many people may not know about King’s Kitchen. Ozzie is part owner in an amazing locally owned restaurant in downtown Fort Myers. I got to spend some time at his restaurant interviewing him about a lot of things I think you guys will enjoy. Owning a restaurant? Difference between Waygu and Kobe steak? Why he put a BBQ Sundae in my face? It was so goo...

Statewide and local elections for Florida are coming up on November 1. Many people are confused by the different Amendments on the ballot. I thought I could do my part by bringing some clarity to the issue by interviewing the Lee County Supervisor of Elections, Tommy Doyle. He was kind enough to go over each Amendment and we tried to both make sense of them. We mention in the interview that Lee Co...

Wendy Schroder, President of the Cape Coral Historical Museum, joined me to discuss the history of Fort Myers on this episode of the HartBeat Show Podcast. This is an ongoing series on the history of SWFL that I am bringing to you guys. This one interview was a little easier for me, since I was born and raised in Cape Coral. Actually, my kids are 4th generations Floridians with Grandaddy’s parents...

I thought it would be cool to start bringing some history of SWFL to you. My first guest about this is Doug Dailey, the President of the North Fort Myers Civic Association. Doug came into my office and was ready to rock and roll about North Fort Myers. We discussed how North Fort Myers was created and even went back to the days of the Pirate Jose Gaspar all the way up to current day. We discussed...

I did a Facebook Live with Remington Begg on Video Marketing For Realtors. We covered tons of content about video marketing and it was done for Realtors but any business professional will gain knowledge from it. We discussed all aspects of video marketing for real estate professionals. This is the 3rd segment that we did together just for Realtors. The other two episodes were about growing you’re...

Realtors are always looking for ways to market their business using social media marketing. I had a chance to talk with Remington Begg of Impulse Creative about this very issue for our latest series of Ask An Expert. We got to talk about all the social media platforms and how Realtors can use them. Facbook, Twitter, LinkedIN, Instagram and YouTube. Remington also has an offer for you at the very e...

If you are self-employed or in sales then you must have an internet presence. This episode is about Realtors having an internet presence but it will work for anyone. Times are changing and you need to as well. It made perfect sense to bring on the man, the myth, the legend Remington Begg , founder of Impulse Creative. Remington and I discussed why the presence is needed and how to get started. The...

“New Report Shows a Huge Increase in Foreclosures in Southwest Florida” This was the headline that came out last week from local Fox News. Here is the article so you can check it out: http://bit.ly/2wr4XIh I have seen several Realtors commenting about how the article was misleading and when Jeff Tumbarello reached out to me to discuss it, I thought it would make for a great interview. Jeff is a bi...

High School Football in SWFl is no joke. Plenty of talented football players and teams come from SWFL every year and this year is no different. I was joined by the The News-Press (Fort Myers and Cape Coral) reporter Adam Regan to get his thoughts on the upcoming football season. We talk about the good teams, sleeper teams, D-1 talent and why the Florida Gators are struggling recruiting SWFl. Boo!&...

Going through a divorce is bad enough but the home is one of the biggest areas on contention in a divorce. This week’s Ask An Expert, I got a chance to speak with my friend, Danielle Levy Seitz of Aloia, Roland, Lubell & Morgan, PLLC, about this very issue. We have had many borrowers buy a home during a divorce and after a divorce. There are tons of legal pitfalls that you need to know about a...

Yoselyn Hollow, Broker/Owner of RE/MAX Realty in Cape Coral joined me in this episode to discuss office culture. A real estate office is normally filled with all types of people and personalities, and to get them to all gel together as a team is not easy. Yoselyn makes is look pretty easy, but her efforts are very intentional, and she explains all of that in this video. Any business owner will ben...

Red tide, Blue Green Algae and Lake Okeechobee discharges are huge issues in SWFL right now. I wanted to try and bring some clarity to this issue for myself, my friends and local SWFL residents. I was lucky enough to be connected with Associate Professor James Douglass of Florida Gulf Coast University. He currently works for the Department of Marine and Ecological Sciences. He has been in our area...

On Ask An Expert we chat with Pamela Paulson of Home Loans Assist to get the inside scoop on the 7 most common mistakes people make with their credit and how to avoid them! Make sure you check out our previous videos on this subject. Make sure subscribe to this Podcast page so you can see future videos about credit scores. I do Mortgages for a living, if I can ever help you buy or refinance a home...

Does paying off collections hurt or help my credit score? When do derogatory items fall off of my credit report? On this episode of Ask An Expert we talk with Pamela Paulson of Home Loans Assist to find out the answers to those questions and more. Check out this episode for tips to navigate through collections and derogatory marks on your credit report! Let me know if you have any questions regard...

For part 3 of 6 on our ongoing series on credit scores, we are chatting with Pamela Paulson of Home Loans Assist, to find out how credit scores are calculated. * How to manage your debt * How long does credit scores take to increase? * Does carrying larger balances on credit cards hurt or help your score? *  What is more important payment between a mortgage, installment and credit cared? The...

Pamela Paulson of Home Loans Assist and I discuss credit scoring apps like Credit Karma and how consumer credit scores are different than what we pull as a mortgage company. This is Part 2 of 6, so make sure you check out the other episodes. Spoiler alert: Mortgage credit scores are almost always lower than the free credit reporting services. Credit Karma, FreeCreditReport.com and other sites like...