Finance with Fernando

In today's episode I have my social media manager, Dizzy Parker, ask questions to achieve his goal of homeownership.  The questions and answers aren't scripted, and we follow a conversation-style approach. This episode mimics discussions I have on a daily basis with clients preparing them to take the next step in building wealth.  Enjoy!

In this episode I revisit a topic covered in 2019. 2 years later, amidst a pandemic, the housing market is quite different. I cover what the pros and cons are to either rent or take the plunge and buy a home. Where do you fit into the discussion? Enjoy!

So you're almost ready to close... YAY!!! It's a whirlwind of emotions: "We need to pack!", "I need to hire a mover", "I need to get checks" In this episode I explain timing and what expectations to have when preparing to close. I discuss how lenders clear loans for closing and why you may be notified only a few days prior to your closing date that you're officially "Authorized to Close".  *S...

On this episode I have Jeffrey Green from Compass Real Estate (@jeffrey_green_ny) on the podcast to discuss how you can remain competitive with a low down payment offer. The current real estate market is causing buyers to pay cash, waive contingencies or put substantial money down - be prepared with these top 3 tips to stay relevant to sellers in your home search! Money is cheap, take advantage.

REAL ESTATE IS INSANELY HOT RIGHT NOW! I hear it every day since COVID-19 struck (insert eye roll). It's a National trend and you'll need to be prepared if you want to be the winning bid.  In this episode I give examples of what my clients (and even myself) have done to be creative with our offers, and how "paying cash" isn't always the best solution. SSE...Subscribe, Share and Enjoy. Knowledge is...

Steven and I discuss how COVID has changed city markets and what's to come. We discuss timing, new construction and whether there are "deals" in NYC. Enjoy!

Happy New Year!  For the first episode of the year I provide insight on every consumers question related to real estate - Where are current mortgage rates?!?  I discuss a range of market rates, what attributes go into quoting you a rate, and my outlook for the near future. Take advantage of home lending with these record low financing options and build your wealth today! Have a Healthy and Prosper...

Did you know that you can be 100 years old and apply for a 30 year home loan? Don't worry, most consumers don't. Your personal demographic doesn't change the opportunity or terms of financing you'll receive. Throughout my career I've had older individuals say "I'm XX years old, I'm sure I can't qualify for a 30 year loan", and I get great pleasure informing them they can if they qualify based on t...

In this episode I give you a glimpse into how I control my work flow & what I do on a daily basis to stay organized. Grab a pen and paper 😉

In this episode I discuss how our world, and how we interact with each other, has transformed during COVID-19. I also give my take on how to deal with certain stressors and what to expect when entering into a business transaction. Enjoy!

It's a question that's existed since homes were created: Is it better to own or rent real estate? This episode discusses the Pros and Cons of both scenarios, and puts the debate to rest. Enjoy!

I share a brief background on how I chose real estate finance as my career. I discuss the companies I've worked for and the experience received allowing me to become a multistate lender.

Want to buy a house but still keep cash in your pocket after closing? Trying to negotiate a buy/sell while keeping your clients happy? Maybe a concession or credit can help! This episode explains what the difference is between a Seller's Concession & a Seller's Credit. They're often mixed up or unheard of. Learn what they are and start using them effectively. Happy Listening!

I discuss the recent housing rate market since the COVID-19 outbreak. You'll also hear me speak of the short term effects on real estate/rates, and what my outlook will be for real estate in Q2. Enjoy!

I discuss key topics that someone who's self-employed should know before trying to finance a home. Enjoy!

What was your resolution for 2020? Everyone makes one right? This year I didn't - I made goals. I cover 7 things I've incorporated into my personal/business life to make myself a better person, and hopefully everyone around me.

The final episode recorded in 2019!!!  In this episode we speak with two agents, Jennifer Alese and Ivy Kramp, from the 3rd ranked sales team in the United States by Volume - The Serhant Team.  Jennifer Alese oversees 1 Billion + (yes that's a B for BILLION) in new construction inventory for The Serhant Team. Her current projects include 550 Vanderbilt Avenue, 550 West 29th Street, 101 Wall Street...

Looking to buy a co-op or condo? Not sure which one fits your lifestyle? This episode explains how they're different and why. Enjoy!

Follow me on Facebook: @FernandoJohnDaCunha or Instagram: @MortgageMaverick. Do you know what to ask your lender when interviewing them for your home purchase/refinance? This episode gives you 10 core questions to start your conversation with a lender and help you decide if they're the right fit for YOU. Be told NOT sold! Enjoy!

It's a scary thing (notice the Halloween reference), you apply for a loan and you're denied... How does it affect your credit? What happens if you're approved? This episode goes over what can (or can't) happen when your application gets reviewed. Enjoy!

Clients look for them because it's a "deal", investors/flippers love them. This episode covers what a short sale and foreclosure of real estate is and how they work. Are they truly worth seeking out and pursuing? You decide!

This is the 1st episode of my new PROfessional Interview series. Today we speak with Brittney Secreto about what's important when planning to not only buy/own real estate, but also live a financially comfortable lifestyle. If you want to discuss your finances (or a client's), Connect with Brittney via Facebook: /Brittney.secreto.9 or LinkedIn: www.linkedin.com/in/brittney-secreto-86340038. Stay tu...

The age old mystery: Is a pre-qualification a pre-approval... Is a pre-qualification or pre-approval just paper? A napkin maybe? This episode explains the difference of each letter and gives you my best practices to make sure your financing is in control when buying a home.

More of a personal topic... How I live off of a commission income, and what my best practices are when it comes to saving. I also mention how I discuss my pay with colleagues & clients. I hope you enjoy learning how I pay my bills each month. On to episode 15! 😎

It's an exciting time - You're buying a new home. Don't let your emotions overrule logic and business sense. This episode explains the importance of thinking through an offer and to thoroughly prepare for an unexpected result, or even worse, losing the bid on your dream home. Maybe it wasn't meant to be...