"I Heard That" (Podcast) with Coach Clarence

Starting July 1, 2026, several major credit and debt changes could affect millions of Americans. In this episode, we break down four important updates involving student loans, credit reports, credit scores, medical debt, mortgage approvals, collections, wage garnishments, tax refund offsets and Social Security offsets. Some of these changes may help consumers, including a federal student loan auto...

In this episode of the "I Heard that!" Podcast, Coach Clarence tackles one of the biggest mistakes homebuyers make: confusing mortgage pre-approval with true affordability. Just because a lender approves you for a certain loan amount doesn't mean it's the right financial decision. Buying a home should help you build wealth—not leave you stressed over every monthly payment. In this episode, you'll...

Learn how Boss Lady Tina Marie balances successful entrepreneurship with critical advocacy for human trafficking survivors. Coach Clarence hosts this raw conversation with Boss Lady Tina Marie to discuss the reality of building a brand while serving the community. They first crossed paths at an event dedicated to supporting women recovering from domestic violence and human trafficking, sparking a...

Is now actually a good time to buy a house in Phoenix, or should first-time homebuyers wait? In this episode, we break down what today’s market really means for first-time buyers and how to decide if buying now makes sense for your personal situation. We’ll talk about affordability, monthly payment comfort, new construction incentives, builder rate buydowns, first-time homebuyer programs, and why...

Are you being told that renting is smarter than buying? Before you sign another lease, you need to understand who really benefits when you keep renting. In this episode, we break down why wealthy investors, landlords, and corporations continue buying real estate while everyday renters are told to “wait,” “rent,” or “avoid buying right now.” We talk about how your monthly rent may be helping someon...

Before you fall in love with a home, know what payment actually fits your life. In this episode, we break down three simple ways to estimate your affordable house payment using your gross income, your current monthly debt, and your desired comfort-zone payment. You’ll learn how the 45% income guideline can give you a quick starting point, then how to subtract existing debt to get a more realistic...

Think you need a 700 credit score to buy a home in Phoenix? Think again. In this episode, I break down the truth about credit scores, FHA, VA, USDA, conventional loans, down payment assistance, and Non-QM options. The biggest mistake buyers make is self-disqualifying before they know their real options. Your credit score matters, but it is not the whole story. Lenders also look at income, debt, pa...

Everybody keeps saying the same thing right now: “Just wait.” Wait for rates to drop. Wait for prices to fall. Wait for the market to get better. But what happens when everybody jumps back in at the same time? In this episode, we talk about the real cost of waiting to buy a home… And why fear might be the thing actually holding buyers back. No hype. No fake urgency. Just an honest conversation abo...

Everybody keeps saying the same thing right now: “Just wait.” Wait for rates to drop. Wait for prices to fall. Wait for the “perfect” time to buy. But what if waiting is actually costing you more? In this episode, we break down the real financial and emotional cost of sitting on the sidelines in today’s housing market. We talk about: • Why lower interest rates could create MORE competition • How w...

In this episode, we break down how seasonal income, contract income, travel nurse income, overtime, commission, and other types of variable income may be reviewed when applying for a mortgage. Many first-time homebuyers and homeowners looking to refinance assume that inconsistent income automatically disqualifies them from getting approved. That is not always the case. Seasonal income may be used...

Summer expenses are coming fast: camps, vacations, sports, groceries, home repairs, and all the surprise costs that seem to hit at once. But before those bills start stacking up, there may be one place homeowners forget to look: their mortgage. In this episode, we talk about why a low mortgage rate does not always mean your full financial picture is healthy. You’ll hear the story of a homeowner wi...

If you’re going through a divorce, separation, or property split and trying to figure out what happens to the house, this episode breaks it down in plain English. We’re talking about equity buyouts, how one person may be able to stay in the home, and why that doesn't always mean a traditional cash-out refinance. In this episode, we unpack the difference between ownership, mortgage liability, and e...

Most real estate investors think they have to qualify for a mortgage the same way they did for their primary home. That old-school thinking keeps a lot of people stuck. In this episode, Coach Clarence from Team Ferguson reveals how DSCR loans give investors a different and often smarter way to finance rental properties. Instead of focusing heavily on your personal income, these loans look at wheth...

Think you need perfect credit or 20% down to buy a home in Phoenix? Think again. In this episode, we break down one of the biggest questions first-time homebuyers face: FHA vs. Conventional loans — and which one actually gives you the advantage. There’s a lot of bad information floating around. Some people think FHA loans are only for buyers with bad credit, while others believe conventional loans...

Think being self-employed means you can’t qualify for a mortgage? Think again. Too many entrepreneurs, freelancers, and business owners assume their tax write-offs, inconsistent income, or credit history will keep them from buying a home. And sometimes… banks don’t exactly make the process easy. In this episode, we break down the real formula lenders use to approve mortgages—something most buyers...

The real estate market right now is confusing for many buyers… but it’s also full of opportunity. In this episode, we break down how today’s market can benefit both buyers and sellers, how supply and demand are shaping home prices, and why many buyers hold themselves back with outdated assumptions about credit scores and down payments. We also explain why a strong pre-approval matters more than ev...

  Is now really the worst time to buy a home… or the biggest opportunity?   In this episode of the I Heard That Podcast , Clarence breaks down the 2026 housing market , tackling rising interest rates, high home prices, and the fear keeping buyers stuck on the sidelines.  If you’ve been waiting for rates to drop or prices to crash, this episode challenges that thinking—and explains why hesitation c...

Are you being told that you need a 20% down payment, a credit score of 700 or higher, and perfect timing to buy a home? That belief is keeping thousands of qualified buyers stuck on the sidelines. In this episode of The I Heard That Podcast , Coach Clarence breaks down the biggest mortgage myths dominating today’s market — from down payment misconceptions to credit score confusion to the belief th...

Over 2 million borrowers just lost 100+ credit points, and most never saw it coming. If your score slid from a 700 to a 550 overnight, this episode is your playbook to reverse it. Inside, we unpack exactly how post-October 2024 reporting torpedoed scores—retroactive lates, skipped notices, duplicate tradelines, and how those same violations can be used to dispute and delete the damage. What you’ll...

JR—Arizona’s go-to home insurance specialist—breaks down how your policy can speed or stall a mortgage, refi, or HELOC. He shows what lenders verify (coverage limits, deductibles, replacement cost vs. ACV, effective dates, the mortgagee clause) and the gaps that jam closings—missing binders, wrong clauses, roof exclusions, HOA “walls-in” misunderstandings. Then he walks through the simple fixes he...

Crypto Meets Real Estate?! You can now buy a home using your Bitcoin, without selling it. No, this isn’t hype.  Starting mid-2025, a new rule from the Federal Housing Agency allows Bitcoin stored on U.S.-regulated exchanges to be used as mortgage collateral . ✅ Keep your crypto  ✅ Avoid capital gains  ✅ Skip the credit check (in some cases) I break it all down in the latest episode of Coach’s C...

You’ve been lied to. No, you don’t need perfect credit. No, you don’t need 20% down. And no, you don’t need a six-figure salary to become a homeowner. In this straight-shooting episode, Coach Clarence busts the biggest myths that have been holding people back from buying a home. Whether you’re living paycheck to paycheck or just unsure where to start, this one’s for you. ✅ Learn the truth about w...

Let’s be real… Most people are drowning in content but starving for impact. In this episode of Coach’s Corner , we get raw with David Griffiths —gospel artist, former youth pastor, and ex-middle school teacher turned digital disruptor. If you think passion is enough to win online, think again. David breaks down how most creators are doing it wrong and why authenticity without strategy is a waste o...

She’s a powerhouse mom, a top-performing realtor, and a no-BS life coach — and she’s not holding back. In this episode of Coach’s Corner , Shelly Lawhorn gets real about what it’s like juggling real estate, single motherhood, and personal growth in a world full of distractions and double standards. We talk about:  * The truth behind modern dating & the “narcissist” buzzword  * Why real estate is s...

In this powerhouse episode of Coach’s Corner , we sit down with Brandon Cullen, CEO and co-founder of MADabolic. From pro hockey roots to building a national boutique fitness brand, Brandon shares how he went from the rink to the boardroom. We unpack: ●     Why movement trumps macros.     ●     How Metabolic attracts high-achievers and keeps it exclusive by design.   ●     The challenge of scaling...