Mortgage Gumbo

On today's menu, your Chef Dwayne Stein goes through a checklist on How to Find the Right Home!. Dwayne will discuss different loan types, and programs that can help narrow your serach. Also, how can a free second look at your home loan help you out? Well...that free second look can save you thousands of dollars! Finally Dwayne talks about DSCR Loans...Debt Services Coverage Ratio, and how it can...

Spring is here and home loan refinancing is in bloom. This week your Chef Dwayne Stein wants to help you find out if a Refinance is right for you. To do that Dwayne goes down the Refinance Checklist. Also, Dwayne suffered through Fed Chair Jerome Powell's press conference so you don't have to! All that and more on Mortgage Gumbo w/ Dwayne Stein 3/22/25

It's Credit Awareness Month, and your Chef Dwayne Stein continues his month long journey to bring you education and options when it comes to Credit Awareness. This week Dwayne is Debunking Credit Myths! Not just that, but answering your questions. Also, Dwayne hopes you had a great Valentines Day...wink wink. All that and more on Mortgage Gumbo w/ Dwayne Stein 02-15-25

Credit Awareness Month continues as your Chef Dwayne Stein helps you prepare for the Spring Home Buying Season! To help you prepare Dwayne explains the state of inventory at the moment, as well as tips to prepare. Finally Dwayne explains what a Contingency is when purchasing a home. What you need to know that can help you save money. All that and more on Mortgage Gumbo w/ Dwayne Stein 02-22-25

What is a Renovation Loan? Your Chef Dwayne Stein has the answers and a special guest! Sandee Lutz, Renovation Loan Specialist and the Renovation Ninja joins the show to explain Reno Loans. Who can get one? How do I get one and what can I use it for? All that and more on Mortgage Gumbo w/ Dwayne Stein 02-08-25

This week your Chef Dwayne Stein covers the TEN Commandments when buying a home. How are those New Year Resolutions going? Ya sticking to em? Also Dwayne talks about Budget Busters on your credit cards and home budget. All that and more on Mortgage Gumbo w/ Dwayne Stein 01/11/25

This week's Big Topic is Down Payments. How much money do I need to put down to buy a home? Your Chef Dwayne Stein talks about perception versus reality when it comes to down payments. Also Dwayne recaps your 5th grade education about Supply & Demand. All that and more on Mortgage Gumbo w/ Dwayne Stein 01/18/25

This week your Chef Dwayne Stein is talking about Seller Paid Conncessions. Dwayne is shocked by the amount of people who have NO IDEA what these are and how they can make your dream of homeownership easier to achieve. Later Dwayne covers the Existing Home Sales data that has come out. All that and more on Mortgage Gumbo w/ Dwayne Stein 01-25-25

It's February and that only means one thing! Credit Awareness Month! To kick off the month your Chef Dwayne Stein is gonna bake a Pie Chart! This pie...chart will explain How your Credit is actually Scored. So sit back, grab a paper and pen, and starp in as we prepare you for the Spring Home Buying season. All that and more on Mortgage Gumbo w/ Dwayne Stein 02-01-25

Happy New Year!!! Your Chef Dwayne Stein kicks off the New Year with Education & Options to help you protect your largest investment...your Home! Dwayne starts the show with the 2025 Mortgage Rate Forecast. What are the Rates, and should I wait? Later Dwayne talks about the Top 6 Resolutions that people make to start the New Year. All that and more on Mortgage Gumbo w/ Dwayne Stein 01/04/25

This week you Chef Dwayne Stein is joined Live In Studio with Jeff LeSaicherre of Fleur De Lis Law & Title. A proud member of the Total Home Authority and Gumbo Nation. Jeff talks about all things related to your home. But todays big emphasis is all about Estate Planning. Do you have a plan in place? A will or trust? How hard is it to change a will. How do you make sure your final wishes are follo...

MERRY CHRISTMAS!!! How do you use a Gift when looking to buy a home. This week your Chef Dwayne Stein digs deep in the explanation of how to properly use a gift of equity when purchasing a home. Who can give a gift? Who's eligible for a gift? What can the gift be used for? Later Dwayne talks about good ole Jerome "Clueless" Powell with his BS Report. Also is a Loan Calculator a real thing, or just...

The cornerstone of Mortgage Gumbo is Education and Options. Education, Education, Education. This week your Chef Dwayne Stein answers the question...What is the Federal Fund Rate? Dwayne makes an easy to understand analogy about Lemonade stands and Banks. Also, to help people understand, he talks about the good ole days of FREE Checking, a free Microwave or Toaster with a new checking account. The...

This week your Chef Dwayne Stein is joined by Senior Reverse Mortgage Advisor Patrick Ortiz aka The Doctor of Reverse-ology. What is a Reverse Mortgage? Who qualifies for a Reverse Mortgage? More importantly, how does it work? Are you a Boomer who wants to make sure you don't leave your kids with your Mortgage Payments? Then you DO NOT want to MISS this show! All that and more on Mortgage Gumbo w/...

Ho Ho Ho This week your Chef Dwayne Stein has some Christmas Credit Tips for you! This show is built on education and options, and Dwayne plays Santa this week to help you Win this Christmas. Also he talks about Loan Limits and Conforming Loans. Then Dwayne asks what's up Gen Y and their obsession with Buy Now / Pay Later? All that and more on Mortgage Gumbo w/ Dwayne Stein 11/16/24

Mortgage Gumbo Salutes Our Veterans! Today's show is all about VA Loans. Who's Eligible. What's Entitlement? What are the Benefits of VA Loans. What are the Pros and Cons? Finally, what about Taxes for Veterans on VA Loans. All that and more on Mortgage Gumbo w/ Dwayne Stein 11/9/24

Today your Chef Dwayne Stein is joined by The Queen of Insurnce Collette Biedenkopf. The Queen and the Chef discuss the current state of Insurnace in the State of Louisiana. Specificaly the Insurer of last resort....now the only resort...Citizens Insurance. Also they talk about Hurricane coverage and tips for home owners...such as taking a video of your belongings before the strom. Finally the dis...

This week, your Chef Dwayne Stein is answering your questions! Whether you send themin via emil, or slide into the Gumbo Nation DM's or even good old fashioned snail mail. Dwayne answers some Facebook Live questions as well. For example... What is PITI? Principles, Intrest, Taxes and Insurance. But what does it mean? Also Dwayne explains what an escrow is. Or what is the DSCR Program? All that and...

How to get rid of PMI. Well the first question might be what is PMI? How can I use it to my advantage? PMI stands for Private Mortgage Insurance and it's available for conventional loans, but what about non conventional? Does your head hurt yet? Don't sweat it, your Chef Dwayne Stein will explain it all. Later Dwayne talks about Owning versus Renting, and why home ownership is infinitely more valu...

This week on Mortgage Gumbo your Chef Dwayne Stein will arm you with the toolsyou need to succeed. Dwayne has the tools you need to show you what your house and it's appreciation value will be 5 years from now. Alos he can show you which houses will give you a larger return on your investment. Later Dwayne explains what the saying "Marry the House, Date the Rate" actually means. All that and more...

Total Home Authority Member, Collette Biedenkopf, the Queen of Insurance joins the show! This week we're talking Insurance. Home Owners insurance, Flood Insurance, and more. Later Dwayne and Collette do a Rapid Fire Q&A session. Like, what is a deductible, the difference between replacement cost and actual cash value, and so much more! Get in touch with Collette's office by calling 985-951-2070 Al...

Credit Awareness Month rolls on! This week your Chef Dwayne Stein Debunks Credit Myths. What's the difference between a Soft credit pull versus a Hard credit pull? Dwayne also answers the questions you sent in via email, or social media messages. Dwayne kicks off the show with some intresting data he found. What is the Average FICO score for your Generation? All that and more on Mortgage Gumbo w/...

Credit Awareness Month Continues. Last week broke down HOW your Credit Score was determined. This Week your Chef Dwayne Stein revisits that information, but gives you the Tips & Tricks you need to know to Increase your Score! Later Dwayne shares his thoughts on Jerome Powell and his 15 minutes of fame. Also Dwayne breaks down the Debt numbers for Americans.....and it is UGLY with a capital U. All...

February is Credit Awareness Month. All month long your Chef Dwayne Stein will be giving you education and options, and most of all the Truth about you Credit Score and More. We kick off Credit Awareness month by explaining HOW your Credit is Scored. Later Dwayne talks about the the latest news from the Fed. The September Jobs report came out and Dwayne calls it Baloney...he would say worse, but t...

Is a Refinance Right for You? Your Chef Dwayne Stein is always bringing you education and options, and his favorite phrase is Marry the House, Date the Rate. We can't all have a 2% rate, but you can maximize your savings by considering a refi. Dwayne kicks off the show with the full data from 2023 on New Home Sales...that means new builds that have never been lived in. Later Dwayne talks about the...