Keeping Your Real Estate Business On Track

Struggling with debt? In this episode, Nick and Joe dive into the top three proven methods to eliminate debt and regain financial freedom! We'll break down the three proven methods, explaining how each approach works and which one might be the best fit for your financial situation. Whether you're dealing with sky high credit card rates, student loan payments, or debt of any other kind, the...

In this episode, Nick and Joe discuss the various mortgage products that may be offered to a consumer. They define essential mortgage terminology and explore how different features may influence your monthly payments. Learn what critical details to watch for and which features you should prompt question as you consider your choices. Tune in to become an expert on all your options moving forward!...

In this episode, Nick and Joe analyze the most recent FOMC meeting, unpacking the announcement. While many are writing it off as unnewsworthy, we spotlight a crucial detail that hints at promising future for the interest rates. Tune in for an exciting and hopeful episode on what's to come! 📈💰

In this episode, Nick and Joe analyze the 15-year and 30-year fixed rate mortgages. They dive into specific numbers and breakpoints that give you the tools needed for determining what's best for YOUR situation. Check out the bullets below for specific topics covered. What's Covered: ✓ What's amortization? ✓ How are interest and principal paid on a mortgage? ✓ How things differ between...

In this episode, Nick and Joe look into the world of credit management. Regardless if your credit is less than stellar, or already in great shape, there's always room for improvement and benefits for doing so! Based on our experience in mortgage lending, we decided on the top five easiest and most effective strategies to enhance your credit score. Tune in for expert insights and real-world exa...

In this episode, Nick and Joe we analyze the effects of the latest inflation data on mortgage rates and the housing market. Discover what this means for your home buying or refinancing plans and learn how to protect your real estate business in this shifting economic landscape. What's Covered: ✓ Implications of the latest inflation report ✓ How it's affecting mortgage rates ✓ How it'll...

In today's podcast, Nick and Joe discus a critical aspect of the mortgage application process: the debt-to-income ratio. A fundamental factor that can significantly impact (make or break) an individual's qualification. Tune in to learn why it matters, what it entails, and what you need to qualify! What's covered: ✓ What is DTI? ✓ What goes into the calculations? ✓ What's an accepta...

In this video, Nick and Joe discuss the current number one leading factor of real estate contract failures. Gain valuable insights into what's happening and WHY the contracts are falling through. Learn proactive steps to prevent issues in future and discover effective strategies for addressing these challenges should they arise. Tune in for expert advice on making sure YOUR transaction gets cl...

In this today's fun conversation, Nick and Joe tackle one of the most challenging parts of the mortgage journey: documenting large deposits. They explain what constitutes a large deposit, why lenders pay close attention to it, and provide insightful scenarios to clarify what documentation is required and when. They emphasize that the documentation process can vary significantly depending on th...

In this video, Nick and Joe dive into the March 20th Fed announcement and its far-reaching impacts on the economy, mortgage rates, and housing prices. They discuss the most likely outcomes and share their predictions for the rest of the year. Tune in for a unique look at a lender's perspective on the future of the industry! What's Covered: ✓ What does the Fed discuss? ✓ What do they decide...

In this video, Nick and Joe explore the world of income verification for the mortgage process. They cover everything from traditional W-2 employment to more unconventional self-employment practices, ensuring all bases are covered 📑. Whether you're a salaried employee or have a more unique income situation, this video eases concerns about documentation by showing that there's a path for ev...

In this podcast, Joe and our very special guest, Jeremy Stewart discuss the highly beneficial secured approval process, highlighting its differences from standard pre-approval methods. They provide insights into the relationship between pre-qualified 🥉, pre-approved🥈, and the secured approval🥇, examining what each bring to the table. If you're a real estate agent striving to obtain more acc...

In this podcast, Joe and our very special guest, Garrett Bell, the broker/owner and founder of Denovo Realty, explore the critical questions real estate agents MUST be asking of their brokerages 🙋🏻‍♀️🙋🙋‍♂️. Whether you're a brand new agent seeking a starting point or a seasoned industry veteran considering a switch, this podcast provides the answers you need to choose the ideal brokerage b...

In this podcast, Nick and Joe outline crucial steps for sales professionals to prospect effectively. They delve into strategies for maximizing the productivity of every minute spent on the phone📲. Whether you're a real estate agent🏡, loan officer🏦, or any salesperson🧾 struggling with self-generating leads, maintaining conversations, or staying focused on prospecting, this episode offers ac...

In this episode, we had very special guest Terry Henderson! Together, Joe and Terry delved into the intricacies of the real estate agent / loan officer relationship 🤝.Their detailed conversation explored the value of this partnership from all angles, highlighting not only the mutual advantages for both professionals 👔 but, crucially, the overwhelming benefits it brings to the client 👨‍👩‍👧‍👦...

In this conversation, Nick and Joe share their expertise on dealing with the dreaded low appraisal. Tune in to explore the 4 options for overcoming the common challenge of undervalued properties 🏚️. If you're facing appraisal challenges, this video is a must-watch for practical advice and actionable tips. ✅ Connect with one of our Mortgage Loan Originators: https://morganfinancial.net/about/m...

Today, Nick and Joe explore the counterarguments against home ownership. While there are great points to be made on both sides, we explore how acquiring a property not only secures you a living space 🏡, but also serves as a valuable investment 📈, providing the opportunity to build long-term wealth 💵 Here's a sneak peek of the discussion! - Renting Vs. Owning - Landlords - 2008 Housing Marke...

Today Nick and Joe discuss the awesome product of a VA IRRRL. If you're a veteran looking to refinance, the IRRRL might be a perfect fit for you. Learn about how it simplifies the process, and gives you the path of least resistance for dropping your rate! Here's a sneak peek: - What is a VA IRRRL? - What qualification are required? - How does this benefit the borrower? - When would this pr...

Routines are vital for keeping a happy, healthy, and productive life. In this episode, Nick and Joe discuss what it takes to get to where you want to go. The most successful people in the world did thing differently! Connect with one of our Mortgage Loan Originators: https://morganfinancial.net/about/meet-the-team/ Start a Loan Application: https://mymortgage.morganfinancial.net/homehub/login Conn...

Goal setting is imperative to success. In this episode, Joe has a special guest, Nick Morgan, and they dive into the ways to make your goals a reality in 2024. Connect with one of our Mortgage Loan Originators: https://morganfinancial.net/about/meet-the-team/ Start a Loan Application: https://mymortgage.morganfinancial.net/homehub/login Connect with Joe Harris at Morgan Financial:NMLS: 322991 Call...

Get ready for a quick dive into some of the lowest Down Payment Mortgage products (*if you’re not a Veteran) with our latest podcast episode, focusing on the 3% down payment conventional loan product.  Host Joe Harris is joined by Mary Cables, Mortgage Loan Originator at Morgan Financial. Here's a sneak peek: Do you need 20% down to buy a home? Maximum Loan Amounts for FHA and Conventional Loa...

Joe & Lindsay recap 2023 achievements and lookahead to 2024 predictions and surprises. What do you think Morgan Financial has in store for 2024? Sign Up for Keeping Your Business On Track (KYBOT) in class presentation: -Topic: Unlocking Efficiency: ChatGPT Basics for Real Estate Professionals -Date: Tuesday, January 16, 2024-Time: 11:00am -Location: Morgan Financial in the Atrium, 1441 N. Harb...

Join Joe Harris, COO, and Ashley Schnetzer, Controller, at Morgan Financial as they dissect the latest December 13, 2023 FOMC (Federal Open Market Committee) announcement's impact on mortgages and real estate! 📈🏡 In this episode: - Insightful analysis of the FOMC decision NOT to raise rates - What is the Dot Plot?  - Is the door open or closed for future rate hikes? Get ahead in the financia...

Welcome to this week's podcast episode of Keeping Your Real Estate Business On Track! In this episode, we tackle a recent challenge faced by real estate professionals - the risk of losing your commission when clients are enticed by lenders to switch agents. Join host Joe Harris & Shannon Edwards, Mortgage Loan Originator, as they share what they've observed in the market lately with a...

🏡✨ Unveiling 2024 Conforming Loan Limits! 📈💰 Welcome to our latest podcast episode for Keeping Your Business On Track, where Joe Harris unveils the 2024 Conforming Loan Limits! 🎉🏠 Ever wondered why the conforming loan limit matters? We've got all the answers you need! 📅 𝗤𝘂𝗲𝘀𝘁𝗶𝗼𝗻𝘀 𝗔𝗻𝘀𝘄𝗲𝗿𝗲𝗱 𝗜𝗻 𝘁𝗵𝗶𝘀 𝗩𝗶𝗱𝗲𝗼: 1️⃣ Why does the conforming loan limit matter? 💸 2️⃣ How often does it change, and...