Loans Elevated

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...

Mortgage rates don’t move because of politics—they move because of markets, incentives, and supply & demand . In this episode of the Loans Elevated Podcast , we break down recent headlines surrounding Trump, mortgage-backed securities, and housing affordability, and explain what actually matters beneath the noise. You’ll learn: How mortgage-backed securities influence rates Why a $200B MBS pur...

Where are mortgage rates headed in 2026? Instead of guessing exact numbers, this episode focuses on what actually drives rates and how buyers and homeowners can win regardless of volatility. We break down inflation, job data, AI-driven economic shifts, housing demand, and the real wild cards shaping the market this year. More importantly, we explain why strategy, structure, and execution matter fa...

Property taxes can quietly cost Utah homeowners thousands of dollars over time, and most people don’t even realize they can challenge them. In this episode of the Loans Elevated Podcast, we break down how property taxes actually work in Utah, what it means to live in a non-disclosure state, and how homeowners can dispute over-assessed values to reduce their monthly payments. We cover: • What a non...

Portable mortgages are back in the news — but can they actually work in the United States? In this episode, the Loans Elevated squad breaks down why this “solution” sounds appealing but falls apart once you understand the U.S. mortgage system, MBS, investor risk, and how modern housing finance works. We cover: What a portable mortgage is (and why borrowers love the idea ) Why the U.S. financial sy...

This week we’re recording from Mexico and talking about the one topic nearly everyone has an opinion on: timeshares. Are they worth it? Are they ever a smart financial move? Do they actually save you money on vacations? And most importantly…  How do they affect your mortgage and credit? In this candid episode, we share:  • Why timeshares prey on emotions  • The “exclusivity” lie  • The hidden fina...

Are rising foreclosure and bankruptcy headlines signaling a housing crash?  In this episode of the Loans Elevated Podcast, we break down the actual data — not the fear-based headlines — to reveal what’s really happening in the housing market across Utah and nationwide. We cover:  • How today’s delinquencies compare to pre-COVID normals  • Why foreclosure inventory is FAR below historical averages...

Everyone’s talking about Trump’s floated idea of 50-year (and even 100-year) mortgages, but do longer loan terms actually solve the affordability problem? In this episode, we break down the math, the psychology, and the reality behind why housing feels unaffordable… and what’s truly driving the crisis. Inside the episode:  • The emotional vs mathematical side of affordability  • Hidden ownership c...

Big changes are hitting the solar industry. 2025 legislation is ending key federal tax credits and reshaping how solar systems are sold and financed. In this episode, TJ and Broch share what every Utah homeowner should know: ☀️ How the 2025 law impacts solar incentives 🏠 When solar actually makes financial sense (and when it doesn’t) 💰 The new solar-assist mortgage programs that can fund down pa...

Utah is entering what experts call “The Decade of Decision.” With the 2034 Winter Olympics officially on the horizon, every choice we make today—about growth, housing, water, and infrastructure—will shape the Utah we live in tomorrow. In this episode, the Loans Elevated team breaks down highlights from the new KEM C. Gardner Institute report and explores: 🏔️ What we learned from the 2002 Winter Ga...

The Fed just cut rates… so why are mortgage rates getting worse ? In this week’s episode of The Loans Elevated Podcast , Broch and TJ break down the recent Fed announcement — the October 2025 rate cut — and why the headlines don’t tell the full story. From the ongoing sell-off of mortgage-backed securities to the Fed’s mixed signals on inflation, they unpack what really drives mortgage rates and w...