Mortgage Fundamentals Podcast

Are you planning a buying your first home? Let us help you avoid some common mistakes that home buyers make before and even during the home buying process. We will go over how credit cards and other loans can hurt your chances of getting approved for more. How making changes to your employment and income (including getting tips, overtime, commissions etc) can impact and even delay you buying a hom...

On today's episode, Paola and I discuss tips and resources you can use to get your loan costs covered. That includes, your down payment and even your mortgage loan costs. Many buyers believe that you need a ton of cash to get into a home. That is false. We have been able to get buyers in to their homes for nearly nothing out of their own funds. As long as your team, your agent and loan officer, ar...

Helping union members buy their homes and help them through the home buying process is something we enjoy doing. As a former, and sometimes still active members ourselves, we understand that sometimes it's easier to have to explain less to your lender. Summary In this episode of the Mortgage Fundamentals Podcast, host Daniel Mosqueda talks to real estate agents and union members Julie Nagai and Pa...

In this conversation, Daniel and Kim discuss the differences and similarities between FHA and conventional loans for first-time home buyers. They cover topics such as down payment requirements, mortgage insurance premiums, and interest rates. They emphasize the importance of considering individual circumstances and shopping around for the best options. They also highlight the need for loan officer...

Buying a home doesn't require 20 percent down, or even much, if you use down payment assistance programs. Listen as Kevin, from NRH, Giselle Leyva, and myself discuss just a few of the programs available to you in Nevada for first-time home buyers and those who already own a home. This episode is intended on explaining how programs start, and why it is important to ask about them. There are so man...

Planning on relocating and financing a mortgage? Rachel and I discuss "the good, the bad, and the ugly" when it comes to purchasing a home when relocating to a new city. When relocating to a different city, state or even country, it's always best to plan ahead. Especially when it comes to purchasing a home. In today's Mortgage Fundamental's Podcast, we cover some of the things to consider before,...

VA loans are one the best benefits a vet, or someone currently serving in the military, should take advantage of to get into a home. Christine Phillip, a realtor, and wife to a currently active military serviceman, is here to discuss the benefits, and some tips and tricks, about VA loans. Not only can you use this loan as a 0% down option. But maybe the start to investing in real estate. Christine...

Today's episode, I am joined by the one and only Daniel Chavez, a realtor here in Las Vegas. We discuss the different terms that mortgages come in, including ARM and Fixed-rate terms. And go over what could have an impact on your interest rate. Daniel Chavez Realtor S.0188117 P:702-818-0355

You've submitted your loan application and you had the conversation with your Loan Officer about the costs associated with getting your loan. My friend and realtor here in Las Vegas, Rick Aco, is here as my special guest host to talk about the big 2; down payment and closing costs. Most people have heard about the down payment when it comes to getting a home financed. But most are shocked when I m...

Pre-qualifications are easier to come by. But a pre-approval will give you skin in the game. In this episode of Mortgage Fundamentals, my special guest Rachel Gaston and I explain to you what a pre-qualification and pre-approval are, why one will give you a better chance to get your offer accepted and how you can even take it one step further. We even discuss why it's important for realtors to con...

Now that you understand some mortgage fundamentals and why you should get a pre-approval before looking for a home. Let's talk about what the mortgage loan application process looks like. Today, I have Adrian Ornelas as a special guest host helping me educate you on what you can expect when it comes to the loan application process. Starting with the initial consultation. No, not your realtor consu...

Most buyers don't know the first thing about a mortgage loan and everything involved in it. In this episode, we cover what a mortgage loan is, what a loan officer is and their role in the process, different property types and more. The goal of this episode is to have you grasp some fundamental terms that will come up when both shopping for a home and a mortgage loan. My special guest Paola Escalon...