Loans Elevated

The standalone single-family home with a big yard and a white picket fence in a prime Wasatch Front neighborhood is officially a thing of the past. Post-COVID, Utah’s housing market entered parabolic, "hockey-stick" growth, shifting core metro areas closer to the reality of major hubs like Denver.  But sitting on the sidelines waiting for a crash is only putting homeownership further out...

Should you buy your next property in cash or aggressively pay off your current mortgage early? On this episode of the Loans Elevated podcast, Broch and TJ look past the emotional "debt-free" headlines to break down the hidden risks of tying up all your liquidity in a single asset. Did you know that 40% of US homeowners are completely mortgage-free, and 27% of current buyers are paying in...

The playbook has officially been flipped on its head. In this episode of the Loans Elevated podcast, we break down the massive philosophical shift under new Fed Chair Kevin Warsh following his explosive first SEP press conference. From refusing to participate in the dot plot to declaring an end to forward guidance, Warsh is entirely changing how the financial markets operate. We discuss his direct...

In this week's episode of Loans Elevated , we are joined by an incredibly special couple who flew in just for this conversation: retired U.S. Army 3-Star General Doug Gabram and his wife Lori, an Army Veteran and combat nurse. Together, they share their raw, inspiring journey of military service, from dating in college and deploying to Desert Storm, to Lori's time as a head nurse treatin...

The Big Lie About Utah’s Data Centers? Are Utah’s massive new data center projects an environmental threat to our natural resources, or the biggest economic opportunity of the decade? In this episode of the Loans Elevated podcast, Broch sits down with land preservation expert, real estate developer, and former Chair of the Quality Growth Commission, Jarren Davis. Together, they pull back the curta...

Why didn't ChatGPT rank a top 1% national mortgage team as the best in Utah? In this episode of the Loans Elevated Podcast, we sit down with Kimber Walton, a Keller Williams expert obsessed with AI, research, and understanding what the tech revolution means for real estate professionals. If you’ve ever felt overwhelmed by the sheer volume of new AI tools, this conversation is the filter you&a...

The Federal Reserve just entered a brand-new era with the swearing-in of Kevin Warsh as Chairman. But the transition is anything but standard. Former Chair Jerome Powell is pulling a rare move not seen since 1948, refusing to leave the Fed completely and staying on as a governor. In this week's episode of Loans Elevated, the Lassig Team breaks down this historic, razor-thin 54-45 Senate vote...

Are you shopping for a mortgage based only on getting the lowest interest rate and monthly payment? You might be walking straight into a predatory lending trap.  In this week’s episode of Loans Elevated , we strip away the emotional manipulation of the mortgage industry and break down the tactical, holistic reality of how loans are actually structured. Discover why standard billboard rate quotes o...

Self-employed buyers often get blindsided during the mortgage process — not because they don’t make enough money, but because of how their taxes are structured. In this episode, we sit down with CPA and real estate tax strategist Dan to break down:  Why tax write-offs can hurt mortgage approval   Bank statement loans vs conventional financing   Cost segregation & real estate tax strategies   R...

Most self-employed borrowers assume they don’t qualify because their tax returns don’t show enough income. But what if the problem isn’t your income… it’s how lenders are measuring it? In this episode, we break down how bank statement loans work, why they can be a game-changer for business owners, and how holistic mortgage planning can dramatically increase buying power. We also walk through a rea...

What does it actually take to build something that lasts in real estate? In this live episode of the Loans Elevated Podcast, recorded at the Hale Centre Theatre, we sit down with Steve Maddox — the founder of Edge Homes — to talk about his journey from real estate agent to building one of the largest homebuilding companies in Utah. This conversation goes far beyond tactics. Steve shares what shape...

Most buyers are chasing the same move-in ready homes and losing. But what if the best opportunity in today’s market is the one that needs work? In this episode, we break down how renovation loans are helping buyers get into better homes, better locations, and create equity from day one… while giving agents a way to unlock inventory and create deals that wouldn’t exist otherwise. If you’re feeling...

Mortgage rates were expected to fall… but instead, they spiked. In this episode, we break down what’s really happening behind the scenes — and why this market could actually create opportunity for buyers who know how to play it right. We dig into:  Why mortgage rates are rising (even during global conflict)   How oil prices are impacting inflation — and your payment   What this means for buyers, s...

Most agents are still building their business by chasing the next deal. Cold calls. Open houses. Buying leads. It works… until it doesn’t. In this episode, Dustin Brohm breaks down the shift from chasing business to building a system that attracts clients instead. No gimmicks. No shortcuts. Just what’s actually working right now. Send us Fan Mail 🎙 Loans Elevated Podcast Clear, strategic conversat...

Most people think the Great Salt Lake is just an environmental issue. It’s not. This is a public health risk, an economic risk, and a real estate risk for the entire state of Utah. In this episode, we sit down with Josh Romney to break down what’s actually happening — and what it means for homeowners, investors, and the future of Utah. We cover:  The real risks most people aren’t aware of   How th...

If you had enough cash to buy a house outright… would you? Most people say yes. But the wealthy do the opposite. In this episode, we break down why high-net-worth individuals and billionaires still choose to finance real estate—and what that reveals about leverage, liquidity, and long-term wealth strategy. We cover:  Why paying cash isn’t always the smartest move   The real difference between good...

Most people don’t have a content problem. They have a communication problem. And it’s costing them attention, trust, and real business. In this episode of the Loans Elevated Podcast, we sit down with Neel Dhingra to break down why most content gets ignored—and what actually makes people pay attention in today’s market. We go beyond surface-level tactics and into what really drives results: framing...

For years, people have been predicting a housing crash. But when you actually look at the data, the story is very different. In this episode of the Loans Elevated Podcast , we break down why a 2008-style housing crash is extremely unlikely in Utah and what the numbers are really showing about the housing market today. We cover: What actually causes real estate crashes Why the 2022–2025 housing mar...

Reverse mortgages might be the most misunderstood financial tool in housing and retirement planning . In this episode, we break down what they actually are, where the bad reputation came from, and how sophisticated investors and financial planners are starting to use them strategically. We cover why reverse mortgages create flexibility in retirement, how they can unlock liquidity without forcing h...

We received a comment that said: “Realtors and mortgage brokers are the most overvalued occupations in the country… I pray they all lose their jobs.” So we decided to address it head-on. In this episode of Loans Elevated , the three of us break down: Are mortgage lenders and real estate agents actually overpaid? The real problem with low-barrier-to-entry industries Why “drive-through mortgages” cr...

Crypto is down. Markets are volatile. Headlines are loud, but does that mean the housing market is next to crash? In this episode of the Loans Elevated Podcast , we break down: • Why crypto and housing don’t move together • What actually slowed real estate in 2022 • How housing behaves in recessions • Why fundamental demand keeps housing different than stocks or commodities • What this means for b...

Real estate investing isn’t about chasing cash flow, and that misconception is why most investors never build real wealth. In this episode, Broch and Jack Andrews unpack the 4 Pillars of Real Estate Wealth and explain how experienced investors evaluate deals differently than the average buyer. They explore:  • Why cash flow alone can be misleading  • How appreciation and equity create long-term le...

The Utah housing market has been stuck in an unusual place, not booming, not crashing, just… running in place. In this episode of the Loans Elevated Podcast , we break down the 2026 Utah housing outlook using real market data and recent economic trends. Despite loud headlines predicting a crash, the numbers tell a calmer story: prices are mostly flat, sales volume is low, and pent-up demand is qui...

Most people hire a realtor or lender based on price, rate, or commission . That decision can quietly cost them years of financial progress . In this episode, we expose the uncomfortable truth about experience in real estate and mortgage lending and why transparency matters more than ever. We cover: The shocking breakdown of agent productivity Why cheap commission often leads to worse outcomes How...

Mortgage rates are falling, and refinances are booming. But for many homeowners, refinancing isn’t the best solution. In this episode, we break down a powerful but often ignored strategy: selling and rebuying to reset your financial life . Using real-world math, we explain how homeowners are: Paying thousands each month in unnecessary consumer debt Sitting on trapped equity, they don’t know how to...