Mortgage Cowboys

In episode 13 of Mortgage Cowboys, we sit down with Dr. Ken to talk about going from chiropractic to real estate, learning from Mike Ferry, and why mindset still matters in today’s housing market. From decades around real estate coaching to building a new career in Boise, this episode dives into sales discipline, communication, first-time homebuyers, relocation, old-school relationship building, a...

In episode 12 of Mortgage Cowboys, we sit down with Sarah Brewer to talk about going from real estate photography to becoming a real estate agent, building a personal brand, and why authenticity matters in real estate. From photographing homes behind the scenes to preparing for her real estate license, this episode dives into community, business owners, legacy, old homes, networking, and the simpl...

In episode 11 of Mortgage Cowboys, we sit down with Andie Valenzuela to talk about moving from California to Boise, building a real estate career in a new market, and what it really takes to bet on yourself. From working with family in real estate to helping buyers relocate, this episode dives into mentorship, first-time homebuyers, communication, client relationships, and why starting over can so...

In Episode 10 of Mortgage Cowboys, we break down why homebuyers need to stop relying on AI mortgage advice, Google searches, and bad market predictions when making real estate decisions. From late payments that can derail a home loan to buyers waiting for a housing crash that may never come, this episode dives into the messy reality of mortgages, real estate, lending guidelines, and why talking di...

In episode 9 of Mortgage Cowboys, we sit down with Roberto from SB Studios to talk about podcasting, business, AI, and why storytelling matters more than ever in a fast-changing world. From building a podcast production company during COVID to navigating entrepreneurship, technology, and the future of work, this conversation breaks down how media, business, and human connection are all shifting at...

In this bonus episode of Mortgage Cowboys , Mark and Todd step away from the usual mortgage conversation and get into the real stories behind who they are. From tattoos to favorite movie houses like The Goonies, The Sandlot, and Breaking Bad. This episode is less about mortgage advice and more about getting to know the personalities, memories, and stories of Mark and Todd.  00:00 Welcome to Mortga...

In this episode of Mortgage Cowboys, we sit down with Jay who shares what it really takes to build a long-term career, earn trust, and stay relevant in today’s fast-changing market. From working their way up over decades to navigating real estate, business, and personal growth, this conversation breaks down the reality behind success that most people don’t see. We dive into: Why staying in one pla...

In this episode of Mortgage Cowboys, we sit down with real estate broker, auctioneer, and all-around powerhouse Janelle Anderson to break down why relationships, trust, and personal brand matter more than anything else in real estate. From growing up in a real estate family to building a referral-only business in a brand new market, this conversation reveals what actually separates average agents...

In this episode of Mortgage Cowboys, we break down the real first-time home buyer process and why so many buyers get stuck, overwhelmed, or misinformed before they ever make an offer. From pre-approvals and credit myths to down payment assistance, seller credits, and local Idaho programs, this conversation explains what first-time buyers actually need to know before starting their home search. We’...

In this clip, we break down temporary buydowns, one of the most misunderstood tools in today’s mortgage market, and explain how options like a 2-1 buydown really work. We walk through the difference between temporary vs permanent mortgage buydowns, how a temporary buydown lowers monthly payments for the first one or two years, and why the interest rate always returns to the original note rate afte...

In this episode of Mortgage Cowboys , we break down the growing narrative that big institutional investors are buying up all the homes, why that story doesn’t line up with what’s actually happening on the ground, and how media headlines and political talking points often oversimplify complex housing issues. From BlackRock and REITs to Zillow’s failed home-buying experiment, this conversation cuts...

In this clip, we break down FHA vs conventional loans and explain why many buyers and real estate agents assume a conventional mortgage is always the stronger offer, even when an FHA loan may be the better fit. We walk through how credit score requirements for FHA loans differ from conventional loans, how debt-to-income ratios affect mortgage approval, and why a buyer with an FHA loan is not autom...

In this episode of Mortgage Cowboys, we break down how mortgage rates actually move and why headlines about the Fed, government spending, and “money being pumped into the market” regularly confuse buyers, sellers, and even agents. From mortgage-backed securities and bond auctions to inflation, rate noise, and emotional market reactions, this conversation explains what really affects interest rates...

Is your credit score actually accurate or are you being misled? In this clip, we break down the biggest credit score myths, why apps like Credit Karma often show a different number than lenders use, and how credit scoring really works when you apply for a mortgage. We explain the difference between consumer credit scores vs lender FICO scores, why having a “perfect” credit score isn’t necessary to...

In this episode of Mortgage Cowboys, we sit down with interior designer and real estate professional Priscilla Coon to break down how staging, design, and presentation directly impact how homes sell and why buyers and sellers often underestimate the power of how a home feels, not just how it’s priced. From relocating to Idaho and building a staging business from scratch to working with builders, a...

Is a 50-year mortgage actually a solution to housing affordability or just a financial bandaid? In this clip, we break down the pros and cons of a 50-year mortgage, especially for first-time homebuyers struggling to afford monthly payments. We compare 30-year vs 50-year mortgages, explain how lower monthly payments come at the cost of higher interest, slower equity growth, and more money paid over...

In this clip, Todd shares his origin story in the mortgage business. From buying his first home in his early twenties to making a complete career pivot with no training, no clients, and no roadmap. Starting just weeks before 9/11, Todd explains how he learned mortgages by doing. Pulling a random loan file from a drawer and teaching himself how the process actually worked.   If you’re a first-time...

In this clip, Mark shares his path into real estate and lending, coming from a background in the public sector and entering the business with an established network of relationships. Unlike many new agents and loan officers who start with no clients or referrals, Mark explains how his existing sphere of influence helped him gain early traction  including a rare first transaction where he represent...

Why does getting a mortgage feel harder than ever?  In part 2 of this episode of Mortgage Cowboys, we break down what’s actually happening behind the scenes of today’s mortgage approvals. From debt-to-income ratios (DTI) and credit score myths to buy now pay later programs, fast closings, and underwriting roadblocks, this conversation exposes why so many deals fall apart late in the process. We ta...

In this episode of Mortgage Cowboys, we break down the real math behind affordability, why chasing a lower monthly payment can be dangerous, and how popular mortgage headlines often mislead buyers. From 50-year mortgage loans and refinancing with low interest rates to down payment assistance programs and government-backed loans, this conversation cuts through the noise and explains what actually m...

Am I ready to buy a house financially? For many first-time homebuyers, that question feels harder to answer than ever. In this clip, we break down the real financial pressure behind buying a home, including debt-to-income ratios, the 50% rule for mortgages, and why so many buyers feel like they’re one emergency away from losing approval. From living paycheck to paycheck to juggling car payments, s...

Grab a seat, pour your favorite drink, join 2 seasoned mortgage pros as they break down the real estate and lending world, without the jargon or boring suits. From market trends, mortgage myths, to wild stories from the field, nothing's off the table. Whether you're a realtor, homebuyer, or just mortgage curious, you'll get honest insights, laughs, and maybe a few "did they really...

In this first episode of Mortgage Cowboys, we get real about what the housing market actually looks like behind the headlines. From the 2008 crash and short sales to today’s high-rate environment, this conversation breaks down how real estate cycles work, why panic narratives keep repeating, and what buyers, sellers, agents, and lenders consistently get wrong. We’re joined by real estate broker Ga...

Grab a seat, pour your favorite drink, join two seasoned mortgage pros as they break down the real estate and lending world, without the jargon or boring suits. From market trends, mortgage myths, to wild stories from the field, nothing's off the table. Whether you're a realtor, homebuyer, or just mortgage curious, you'll get honest insights, laughs, and maybe a few "did they real...