Keeping Your Real Estate Business On Track

In this episode, Joe Harris is joined by Mary Cables, top Loan Officer at Morgan Financial. Joe and Mary tackle one of the most challenging obstacles homebuyers face. Low appraisals can be a major setback, but fear not! Our team of seasoned Loan Officers are here to guide you through the process and help you make informed decisions, whether you're a Real Estate Agent representing a buyer or se...

In this episode of Keeping Your Business On Track, Joe Harris is joined by Rick Townsend, one of our top Loan Officers at Morgan Financial. We focus on essential strategies to ensure a smooth mortgage process for your clients. Join our expert hosts as they share their wealth of knowledge and experience, guiding you through the importance of early education and upfront knowledge that can help navig...

The importance of partnerships in Real Estate cannot be overstated. This week we are joined by Megan Ross, Team Leader of The Ross Group, brokered by Denovo Realty in the Eau Gallie Arts District. The Ross Group had $22MM in production in 2021. We are thrilled to have Megan join us and share her expertise. If you're looking for expert guidance on your mortgage journey, trust Morgan Financial,...

This week Joe talks with Danyel Choban from Denovo Realty about the importance of follow-up and building authentic relationships in real estate. Danyel is in the top 1% of Closed Buyer Side Transactions in Brevard County. Thanks for tuning in, see you next time! Morgan Financial Residential Mortgage Lender Equal Housing Lender NMLS ID: 318525 (321) 757-3570 morganfinancial.net/keepingyourbusinesso...

You may have heard in the media about a new so-called unfair mortgage tax on those with high credit scores. This is simply not the case and deserves to be unpacked.  This week Joe and Nic clarify the Loan Level Pricing Adjusters (LLPAs) and how credit score plays a part. If you have any questions feel free to give us a call or leave a comment. Thanks for tuning in, see you next time! Morgan Financ...

Looking to buy a home in Brevard County, Florida? One of the most important considerations is your mortgage interest rate! This week Joe and Jake explore the five key factors that lenders consider when determining your interest rate and how they can impact your overall mortgage cost. Plus, learn how working with Morgan Financial can help you find the best loan option for your needs.   Thanks for t...

Navigating the mortgage landscape can be challenging, especially when it comes to understanding complex concepts like mortgage points. In this blog post, we'll explain the basics of mortgage points, including discount points and origination points, and discuss their pros and cons. We'll also help you determine when it's best to consider paying points. If you're looking for expert g...

In this week's episode, we have superstar real estate agent, Jenn Clements to talk with Joe about why Brevard County should be your next home buying destination.   Jenn is the broker/owner of Coastal Life Properties and has been in the real estate industry for over 18 years! Born and raised in Brevard County, Jenn discusses some of her favorite things about living on the Space Coast, what the...

If you're a veteran or active-duty service member looking to purchase a home using a VA loan, understanding your debt-to-income ratio (DTI) is essential. This measurement compares your monthly debt payments to your monthly income and can affect how much you can borrow and what interest rates you'll qualify for. In this guide by Morgan Financial, the leading local lender in Melbourne, Flori...

If you're a veteran or active-duty service member looking to purchase a home, you may have heard of the Certificate of Eligibility (COE). In this week's episode, Joe and Lindsay discuss what a COE is, why it's important and lastly, how to even obtain one! If you like what you hear, we would love for you to subscribe to the show, leave us a review, and share with anyone you know who wan...

Are you the kind of agent who wants to leisurely toss the ball on a Saturday afternoon, or are you the kind to grind until you win the Real Estate Super Bowl?  In this week's episode, Joe Harris is joined by leadership expert and local Real Estate powerhouse himself - Tom Taranto! Tune in as Joe and Tom go over what it takes to build a multi-million dollar real estate team from the ground up....

In this week's episode, Joe Harris is joined by Morgan Financial loan officer, VA loan specialist, and Air Force veteran himself - Scott Dunn! Tune in as they break down everything you need to know about VA funding fees, tips to lower costs, and strategies to maximize veteran benefits. Plus, they'll be giving an overview of the VA's upcoming reduction in funding fee costs, so tune in to stay up-to...

What is a rate lock? When should you lock the rate? How long is the interest rate locked for? Can you change it once the rate is locked? In this week's episode one of our very talented loan officers, Nicolas Nazon, guest stars with your host Joe to break down everything you need to know about locking-in the interest rate, and what to consider before taking the leap!  If you like what you hear...

Have you ever found yourself at the closing table with your client thinking "I wish my Realtor knew more about the loan process," or "How can I help my lender prepare my client for a more successful home buying experience?" In this week's episode one of our very talented loan officers, Johanna Bennett, guest stars to talk about how Realtors and Lenders can work best together to provide a smooth an...

Mortgage giants Fannie Mae & Freddie Mac are tightening up their conventional loan pricing and borrower qualification guidelines. Starting May 1st, some borrowers may have to meet slightly stricter standards in order to qualify for a conventional conforming home loan. Tune in for an overview of these updates, and how these changes will affect current and future homebuyers. If you like what you...

Are we in a buyer's market? A balanced market? A seller's market? Where are interest rates headed? Is home buyer demand going to pick back up? Are we going to see multiple-offer situations again any time soon? In this week's episode one of our very talented loan officers, Mary Cables, guest stars to talk about how we've seen the market shift between early last year to the beginning of this year, a...

Do VA appraisals take longer than conventional home appraisals? Does the VA appraisal stick with the property or the borrower? Are VA appraisals harder on the property than conventional? What is a reconsideration of value? What is the Tidewater Initiative? As a Veteran owned, operated, and focused mortgage lender, VA Loans are our bread and butter here at Morgan Financial! To learn more about VA L...

Client prospecting is... not the most glamorous part of the real estate business. When it comes to working smarter, not harder, time blocking can save you from a world of headache. In this week's episode, Joe and Lindsay cover how The 12 Rules of Time Blocking can help you get more out of your prospecting efforts and set more appointments!  If you like what you hear, we would love for you to...

From ARMs to CRMs, to new loan products and everything in between... what distracts us from sticking to the basics, and what's actually worth our time?   In this week's episode, Joe and Lindsay go over a few of the most common distractions that Realtors and Mortgage Lenders tend to face during market shifts, and how to drown out the noise so you can get out of your own way and stay on track t...

If you wanted to make $10 million dollars in Real Estate this year, do you know what it would take to get you there? The secret is to KNOW YOUR NUMBERS! In this week's episode, Joe and Jake cover everything you need to know about planning your best year. It's a new year, and there's no shortage of opportunities. If you like what you hear, we would love for you to subscribe to the show, leave us a...

As we take a look back at the state of the housing market in 2022, I'm sure we're all asking each other the same question... what happened?! This week one of our lovely Business Development Representatives, Lindsay Clark, fills in for Nicki to ask Joe for his thoughts on this past year, and his predictions for what 2023 has in store for the Real Estate Industry. If you like what you hear, we would...

Curious about the state of the market for new build homes? Want an insider look into what's on the horizon for Brevard County's favorite local community? Edgar Cobos, sales manager at Viera Builders, joins us to give us the run-down on all things Viera Builders!   To learn more about what ranks Viera in the top 15 master-planned communities in the US , head to their website at www.vierabuilde...

For those of us in the Real Estate industry, we've all heard a few common objections from home-buyers as to why they're waiting to buy a home, such as: "I'm waiting for interest rates to come down..." "I'm afraid the market is going to crash..." "I heard a recession is on the horizon..." In this episode, Joe and Nicki address these common buyer objections and offer some insights and talking points...

Your Sphere of Influence is your community of people who already know, like, and trust you. When it comes to doing business, are you getting the most out of your sphere? In this episode, Joe and Nicki share 4 ways to generate more business from your sphere of influence! Don't let the illusion of transparency stand in the way of building your business. Help your sphere understand how they can help...

With the new year right around the corner, how can Real Estate & Mortgage professionals set ourselves up for success through the end of this year and into the next? We're back with another episode of Keeping Your Business On Track where Joe and Nicki share their 4 best tips to finish the year strong!  If you like what you hear, we would love for you to subscribe to the show, leave us a re...