Finance with Fernando

I sat down with credit expert Micah Smith, founder of Micah Abigail Credit Solutions, to talk about everything credit: boosting your scores, understanding credit bureaus, and how to handle old debts like a pro. If you're serious about building/improving your credit, this episode is a must watch! Follow Micah @FitCreditDoctor on IG or call 516-377-6053

In this episode, we delve into the contentious and complex world of landlord-tenant relationships. We start by exploring the perception that landlords have unlimited financial resources but choose not to make necessary upgrades or improvements to their properties. Next, we discuss the controversial idea that landlords intentionally seek to financially harm their tenants. Finally, we address the se...

In this episode of Finance with Fernando , we welcome Yvette Sanchez, the owner of Your CBD Store in Wappingers Falls and White Plains, New York. Yvette shares her expertise on the benefits of CBD, including how it can improve sleep quality, reduce anxiety, and even support you during the stressful process of searching for a new home. Tune in to discover the holistic advantages of CBD and how it c...

In this episode, join host Fernando as he sits down with Elka Raved, a seasoned Real Estate Agent from Douglas Elliman, to explore the ins and outs of buying and selling in the prestigious Westchester County, New York. Often hailed as the "Beverly Hills" of New York state, Westchester County is renowned for its luxurious properties and affluent communities. Fernando delves deep into the...

Join us as we chat with Matthew Valvano, a top-tier real estate agent known for his meticulous client vetting, tech-savvy approach, and mastery of daily planning. Discover Matthew's expert strategies for vetting clients before showing homes, ensuring seamless transactions and satisfied clients every time. Explore how technology has revolutionized Matthew's business, from virtual tours to d...

In this episode, we're about to spill the beans on the best-kept secret in the mortgage industry: renovation loans. If you've ever dreamed of turning that fixer-upper into your dream home or wondered how to finance those much-needed upgrades, you're in for a treat. Join me as I sit down with the expert himself, Barry Koven from CrossCountry Mortgage, LLC. Barry brings a wealth of knowl...

In this episode, I unpack the chatter surrounding the current real estate market, and everyone who is thinking they need to "Wait for the perfect moment" to buy real estate. It's time to challenge your assumptions, question your doubts, and consider why waiting might not be the wisest choice. Enjoy! Follow me on all social media platforms: @RealMortgageMaverick Have an idea for a fut...

It's Never A Bad Time To Buy Real Estate! Whether you're a first-time homebuyer, seasoned homeowner or work in the Real Estate industry, you have to watch this episode.

Have you ever heard of a temporary rate buydown for your mortgage? Probably not. This affordability tactic is great when rates are high to allow buyers to have lower payments for a set period of time when they purchase their new home. Whether you're a consumer, or real estate professional, you need to know about temporary buydowns and how they can save you money on real estate! Email me at Rea...

The Biden Administration made an announcement that FHA (Federal Housing Administration) mortgage insurance premiums will be cut to create more affordability for homebuyers. What are the details and will this be good or bad for the economy? Please like, subscribe and email me at RealMortgageMaverick@gmail.com to collaborate or request topics for the show. Enjoy!

Have you heard the dreaded words when submitting an offer on real estate, "The other offer is cash"? In this episode I explain how you can be a "cash" buyer, even if you don't have enough money to buy the home without a mortgage. Sounds weird right? Maybe fake? Sit back, relax and welcome to #Winning in Real Estate! Link for me on Million Dollar Listing NY: https://youtu.be...

I get back to basics in this episode and explain what documents are needed to get approved for a home loan. I typically ask for these items when I'm pre-approving a client, and I recommend putting these items together before you head out to view properties. Is there a topic you'd like for me to cover in future videos? Message me through my website: www. MortgageMaverick.net Thank you for y...

In this episode I had the pleasure of speaking with retired NY state tax assessor, Richard O'Donnell, from O'Donnell & Cullen Property Tax Consultants. Most consumers aren't educated on what may happen to their taxes when buying real estate. Rich answers questions on what to expect after purchasing a home, and how you can prepare before starting the home buying process. He also can...

In this episode I give you 5 tips on what you need to look for when visiting a property before submitting an offer. Whenever I go to view a home I always bring a list of questions and take notes on the condition of the property.  These tips should prevent you from wasting money on an inspector for a home you don't truly love. If you'd like for me to speak on a specific topic, feel free to rea...

Happy New Year! In this episode I discuss new loan limits for the mortgage industry, increasing inventory (because homes are sitting on the market longer), and how homeowner's have a ton of equity in their homes. Jeffrey Green from Compass joins me for the conversation. This episode is PACKED with great information & data to prepare you for 2023. Thank you for your support and I'll catch you o...

I chat with my realtor friend Jeffrey Green (jeffrey_green_ny) about what motivates clients to buy or sell a home in a low inventory market.  We also explain how first time homebuyers were dictating offers during the COVID real estate market (against buyers paying cash). How temporary rate buy downs can make your home purchase more affordable, and much more! Enjoy the conversation and DM me @...

This is a revamp of my popular 3 part series - Income, Assets, Credit. In part 3 (Credit), I explain the importance of credit history when applying for a home loan and how you can prepare you credit before applying.  What is revolving utilization?  What needs to be done if I have derogatory items on my credit?  What are some ways to repair credit in the short term?  We cover it...

This is a revamp of my popular 3 part series - Income, Assets, Credit. In part 2 I explain the importance of reviewing your assets (bank accounts, investments, etc.) when applying for a loan and how much may be needed to close. What are liquid assets? What are illiquid assets? What accounts can be used to purchase real estate? We cover it all in this episode. Feel free to email me if you'd like me...

This is a revamp of my popular 3 part series - Income, Assets, Credit. In part 1 I explain the importance of discussing your income when applying for a loan and what lenders look for. You'll hear some real life scenarios and what can derail your deal, so you're prepared. Feel free to email me if you'd like me to discuss a specific topic. RealMortgageMaverick@gmail.com. Enjoy!

I speak with my guest Rahhim Shillingford (Vision Alliance Realty Inc.) about whether real estate is due for a crash or correction. Rates are increasing and home prices are still high. Will the supply and demand for real estate level out naturally, or is an economic-level event in the cards?

Dizzy Parker and I have a conversation related to interest rates, home prices and what my opinion is on the future market. Similar to other episodes I provide some insight on how to improve your debt to income ratio and what I'm dealing with as a buyer in my personal life (the pain points of a seller's market). If you'd like me to cover a topic or collaborate with me on a future episode, please em...

In this episode I chat with Anthony Lise Esq. (Lise Law & Mediation PLLC) and Jeffrey Green (Compass Real Estate) to provide 3 ways that you can make your offer more attractive in today's market - without being a cash buyer! We'll also cover waiving contingencies & other tips so you're in the know. Enjoy! Anthony's Info.: https://www.instagram.com/liselaw/?hl=en Jeffrey's Info.: https://www.compas...

Jeff Green, Top Producer from Compass Real Estate joins me in this episode to discuss affordability, inventory & how you can make your offer to purchase real estate as strong as possible. Sit back, relax and enjoy the conversation!

Have you ever applied for a loan and inflated your income or maybe didn't mention something to avoid follow up questions?  It's quite common. In this episode I break down why it's important to bring up different aspects of your finances at the application stage for your home loan, instead of avoiding the conversation. When you're working with a lending advisor, we need to uncover the full pic...

Today on Finance with Fernando I explain the good and bad of buying/selling in a holiday or winter market. This episode may have you rethink your strategy and have you go all-in while others are waiting until Spring to complete their real estate transactions. Wishing you a Happy Holiday & Prosperous New Year!