Dollars and Sensibility with Tom Stone

Tom and Brandon sit down to answer clearly a question they get all the time - should I buy down my rate? After quickly answering the question, they dive into WHY as well as diving into some market predictions! Learn more at ApplyWithStone.com

Bargain bias - or what we call “discount delusion disorder” - is REAL when getting a loan. Real estate purchases are some of the biggest purchases of your life, so going just for the “cheapest” loan is often something that will bite you in the butt later on! Listen in Tom and Brandon discuss what to look for when shopping for a loan for the best long-term VALUE! Learn more at ApplyWithStone.com

Join Tom on this quick podcast episode where he gives you his honest answer to this common question: “Should I pay off my house??” He speaks from experience and has a clear answer for you! Learn more and chat with us! ApplyWithStone.com

When we mention reverse mortgages, we often hear an immediate “NO” But do they really know what they are saying no to? Usually not! In this episode Tom dives into how Reverse Mortgages ACTUALLY work, so you’re in the KNOW instead of just saying NO Learn more at ApplyWithStone.com

Listen in to this quick solo podcast where Tom gives his market predictions for the rest of 2026 and beyond. With so many years in the industry, he's got a great pulse on things and has seen these trends before! Contact us at ApplyWithStone.com

Meet Tori, our new loan officer! She’s been in the business for a couple of weeks now. Hiring someone BRAND new is not something Tom ever planned on. But you can’t teach customer service, integrity, and likability. Tori has all that, and with the years of experience with the Stone team, Tori will be GREAT loan officer to trust. Learn more at ApplyWithStone.com

Unique properties comes with unique loans - today we talk about something that has come up multiple times this week! Log homes, manufactured homes, cabins, and barndominiums. It's good to have experts behind you when purchasing unique properties! Learn more about us at ApplyWithStone.com

Mariah bought a house at 19. No, she’s not a trust fund baby. Now, she is 27 and looks back on this decision and how it’s impacted her life. Tom and Mariah discuss anxieties, age limits, and the realities of buying a house. Kids these days are pretty amazing! Learn more and contact us at https://www.guildmortgage.com/the-stone-team/

Luci Rand is a senior at Wasatch High School, and the owner of Lens By Luci ( https://www.instagram.com/lensbyluci/ ) ( https://lensbyluci.mypixieset.com/ ) Luci is wise beyond her years and discusses starting a business, managing school and work, future real estate plans, and even if college is optional or not. Listen in and gain more confidence in this rising generation! Learn more at ApplyWithS...

Part 2 of Tom’s “Kids These Days” series brings a Wasatch High School senior, McCoy. McCoy’s mom, Ashley, was just on the podcast and getting a second generation perspective was insightful and encouraging. Hear about where high school seniors are at mentally with their ideas of the future. McCoy’s plans are encouraging to anyone that says “kids these days” with a negative connotation. Learn more o...

Join Tom and his 7 year old granddaughter on this short, fun episode! They talk all about learning, building businesses, and the importance of a home. You can never start educating too early! Learn more or get ahold of us at ApplyWithStone.com !

Join Tom and Ashley, who has worked at the office for 11 years. 5 years ago, she bought a home for the first time (after 20 years of renting and thinking buying would be impossible). Since then, she’s been able to pay off student loan debt and acquire more properties, transforming her finances and future. Ashley is here to say that if she could do it, you can too. Learn more or get in contact with...

Welcome to our first recording of 2026! The number 1 question we are getting right about now is, “What kind of mortgage trends do you foresee in 2026? Is now a good time to buy?” Join Tom and Brandon as they discuss their advice based on years of experience, including interest rate expectations, investor roles and trends, and understanding your personal market. Learn more or get ahold of us at App...

Whenever we mention an “ARM” (Adjustable Rate Mortgage) - the reaction is “no way, not for me.” Well, let us tell you a little more about itand THEN you should decide! In this episode we dive into the plusses and minuses and WHEN an ARM is a great option for you. Our answers may surprise you! Give us a call with your mortgage question at 435-654-9979 or check us out at ApplyWithStone.com

In this episode, the team takes opposite views and debates it out to answer the VERY common question: should I buy a condo?? They also dive into the education and questions YOU need to ask before buying a condo - there is more that goes into it than you think! Come chat with us and learn more at ApplyWithStone.com !

Talking about how to define what is “affordable” for you (including formulas!), government programs and how to afford them, downpayment assistance, USDA loans, veteran housing, self-help homes, and much more. This episode is bursting with need-to-know info for people searching for affordable housing. Learn more about us at ApplyWithStone.com , and come ask us your questions!

Diving into one of our most frequently asked questions - how do I help my PARENTS with their retirement? Diving into Reverse Mortgages, the Stone Team discusses the misconceptions and facts about this amazing product that is a perfect fit for so many people who would love some extra $$$ during their retirement.

Today we are going over our most commonly asked question BY FAR! Our in-house expert, Danielle, goes over how to determine how much to “put down” on your real estate investments. In this episode, we go over the loan products and options. It’s chock-full of NEED TO KNOW real estate info!  Get more info at https://applywithstone.com/

In this quick episode we answer 3 questions we literally got asked today - from real people with real mortgage questions! From deed restrictions to blended rates, we quickly answer your questions in this episode!

We were lucky enough to have Brandon's younger brother, Preston, join us for an episode! Preston owns many properties in Heber Valley and talks about how he got started doing so at a very young age. His practical and specific advice is great for anyone looking to build wealth through real estate. Learn more at GoApplyWithTom.com

We're lucky to have Tracy Sabey with us this week - a well-loved man in the community who has an incredible story. Listen in and hear some wisdom from a truly self-made man and how he has built his real estate portfolio. Learn more at GoApplyWithTom.com

Listen in to this quick episode where Tom and Danielle explain what they mean when they say "bad news is good news," especially when it comes to investing in real estate! Learn more at GoApplyWithTom.com

Join us for an episode of ORIGIN STORIES! We are welcoming Brandon Hicken, our newest Mortgage Loan Officer, to our office. We are taking the opportunity to talk about how in the world we got into doing Mortgages and where it's taken us! Learn more at GoApplyWithTom.com

Join the team as they chat with longtime friend, Keith Wills, about starting investments at an "older" age! Full of do's and don'ts, this episode is chock-full of great advice and tips from people who have been there. Learn more at GoApplyWithTom.com

The number 1 thing we are hearing right now is that people want to WAIT to buy. While that may be smart in some circumstances, we are here to warn against the risks of waiting! Join us in this quick episode as we break down TIMING of taking opportunities. Learn more at GoApplyWithTom.com