Finance With Factor

In this crossover episode, I join Mike Sokolowski and Saad Munir's of Torrii Homes, for their "Storii Time" on IG Live to discuss getting out of your own head and taking small steps toward your goals. We share simple strategies for making marketing and social media less intimidating and more approachable—perfect for anyone feeling stuck or overwhelmed. If you like their vibe, follow...

Angela Zullo, a realtor with Lamacchia Realty, discusses how her background as an architect helps homebuyers and sellers. Angela shares how her education and professional experience in architecture provides invaluable insights when navigating new construction projects or preparing homes for sale. Whether it's helping clients spot design potential or understanding the intricacies of construction, A...

Attention Finacial Advisors and Retirement Planning Specialists: Harlon Accola, National Director of Reverse Mortgages at Movement Mortgage, discuss how reverse mortgages can enhance retirement planning. Recorded during a workshop for Sykon Capital's team of financial advisors, we cover the basic uses and real-world case studies of reverse mortgages. Learn how financial advisors can integrate this...

Jane Barry, from South Shore Bank, joins me to discuss the latest bank safety measures and security threats facing our customers. From real estate transactions to everyday banking, Jane shares practical tips for realtors, attorneys, and small business owners on how to protect client information. We dive into safeguarding against common scams, AI-driven fraud, solicitation calls, and other financia...

Ryan Hayes, President of the Massachusetts Mortgage Bankers Association, discusses the key market dynamics shaping real estate and mortgage trends. From the impact of elections to the shifting bond markets, Ryan offers expert insights into what homebuyers, realtors, financial advisors, and mortgage professionals might expect in the final months of 2024 and into 2025. With a volatile market ahead,...

In the world of real estate, where dreams are bought and sold, some stories linger long after the deal is done. These are not the tales of open houses or closing costs. These are the real-life stories of real estate professionals. From eerie encounters to late-night showings to mysterious whispers echoing through empty properties...realtors and real estate professionals see everything...and today,...

Unlock the secrets of effective social media marketing with Ken Ferris, Realtor with Pelletier Properties at Keller Williams! In this episode, Ken shares how his "WTF Wed" posts have become a memorable marketing tool, providing personality, purpose, and prospects for his business. Discover valuable insights from Ken’s experience and learn how to enhance your own online marketing efforts. Tune in a...

Ben Aiken, from The Agency, shares the value of assembling a trusted and well-coordinated homebuying team. He emphasizes how clear communication from the beginning of your search through closing can empower homebuyers to submit more competitive offers and navigate the process with confidence. We discuss valuable tips and tricks for both homebuyers and realtors on how to build the right team for a...

The college admission season has begun. With the anxiety of "getting in" comes the angst of how do we pay for it!?! Nod DaSilva-Kilgore, of Personal College Counseling, Inc, joins the podcast to share how she helps students and families prepare, search, and finance their educational goals. We expire the FASFA, merit scholarships, parent loans, home equity, and how all of these can fit within your...

The Friends of Boston Homeless is a non-profit "housing first" organization dedicated to assisting our most vulnerable neighbors find safe, sustainable housing solutions. Volunteer Board Member Darren Lee shares his personal childhood story about overcoming homelessness. We discuss how fast stable can turn to tragic and the roll of organizations, like the Friends, can be part of the path back to "...

As rates come down, homeowners and prospective buyers are in for it over the next few months! I've heard stories of people shopping around being bombarded by as many as 250 calls, texts, and/or email solicitations. How do you find a bank, lender, or loan officer you can trust? CEO and Founder or Lendaid, Jerry Devlin, shares his insights on what to look for in a mortgage lender. We discuss how...

Mortgage Insurance is an often used and even more often misunderstood financial tool in the homebuying process. Kerry Murtagh, Account Manager at Arch Mortgage Insurance, breaks down MI facts and features to help homebuyers, realtors, and sellers understand how it can be best leveraged. We can also discuss why more down payment does not always mean the best loan or most qualified buyer.

The Friends of Boston Homeless is a non-profit "housing first" organization dedicated to assisting our most vulnerable neighbors find safe, sustainable housing solutions. Volunteer Board Member Darren Lee shares his personal childhood story about overcoming homelessness. We discuss how fast stable can turn to tragic and the roll of organizations, like the Friends, can be part of the path...

Likability is a common topic among voters and politicians. We discuss it like it's a skill. But being likable is best without the effort. Mayor Kassandra Gove, of Amesbury MA, joins the conversation to discuss likability, approachability, and other abilities. We share how genuine connections and consensus are best built on authentic relationships and casual interactions. Enjoy the lessons she&...

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 negativity impact you, then listen to this...

Ever feel paralyzed by the need to plan and post to social every day? The Co-Owner of Bay State Creamery, Emily Voiss, shares how (in just 2 months since opening) she has built a loyal following through fun, engaging, and often spontaneous posts @⁠baystatecreamery⁠. Learn how to translate her perspective and experience to improve your business and social media strategies!

Ads are great at creating commercials that make you “feel” something, but often the most memorable will smile, laugh, and remember the product in only 20-30 seconds. Comedy has a unique stickiness to it that we can use when networking and building relationships with clients, friends, and colleagues. Alan Reich, an accomplished copy writer (and the person my Dad calls the funniest person he’s ever...

I recap the Real Estate Day on the Hill, a day were realtors, lenders, bankers, and other real estate professionals meet with our state representatives, senators, and a variety of other professionals to advocate for the issues impacting consumers and the business. Listen to this episode for a recap on the bills currently under consideration, our most interesting takeaways from the meetings, and ho...

Real Estate is often at the center of many divorce or separation conversations. The anxiety of dealing with the marital home can even make some couples feel “stuck” together. While working through the home is complicated, with homeowners having historic amounts of equity and rates that may make it difficult to qualify on one income, starting the conversation can be the key to navigating the proces...

My kids love "Is it Cake" on Netflix. Honestly you cannot tell it is cake until you cut it open. On today's episode, I cut open the pre-underwriting process to explain what goes into a pre-approval and/or pre-commitment. I go beyond the marketing and into the math to share #howto read through the lender lingo and verify if your financing will get to closing. I arm homebuyers, sellers...

A real estate contract is filled with contingency clauses designed to protect the buyers. But, in a competitive market, everything is negotiable, and many buyers find themselves tempted to waive contingencies to make their offer seem more appealing. Megan Ritter, attorney with Griffin Law, helps us understand the risks and implications of each contingency clause. Strategically crafting these claus...

Real estate professionals appreciate how stressful a transaction can be, but you often here people say, "it isn't life and death...nobody ever died from a real estate emergency." But, Jenifer Vieira, realtor with Lamacchia Realty, is also an experienced nurse and military parent who has learned how to manage a wide-range of stressful situations. She shares how she uses personal, nurs...

There are days you just want a warm hoodie and other days a well starched suit makes you feel like James Bond. Jack Woods, a Professional Clothier with the Tom James Company, joins the podcast to discuss everything from the Fanatics MLB uniform disaster to why dressing in a way that authentically expresses your personality and goals can give you the confidence to be successful.

NAR has come under fire over the past year and made headline news. While commission lawsuits, trigger leads, inventory, mortgage rates, and affordable housing have all been national topics of conversation from the State of the Union to the kitchen table, the solutions start with local elections, advocacy, and trade organizations. President of the Massachusetts Mortgage Bankers Association (MMBA),...

As small businesses and local leaders, we are always looking for ways to market ourselves, donate to local causes, and be involved in our communities. Mike and Erin Richardson, co-owners of Richardson Insurance, a 4th generation insurance agency, in Hanover, MA, share how their focus on service and giving back to the community, through charitable events, supports their overall mission and clients....