SoFlo Real Estate Show | Ask Athena and Julie Anything

In today's Podcast,my guest Arturo Sanchez of Guaranteed Rate Affinity and I, discuss the 3-2-1 Buy Down of an interest rate for a home mortgage. We will discuss what is a 3-2-1 Buy Down, what type of buyer can benefit from the 3-2-1 Buy Down, how the loan program actually works and more importantly, the risks of the loan program once the "honeymoon" period terminates. The permanent...

In this podcast, The No Doc Rental Income Loan, you will learn step by step how to get rental income, investment property, loans to buy income property to build wealth in real estate. For Investors and first time buyers, this is the exact no doc income loan you will need to buy more investment properties. Traditional mortgage loans do not work for investors due to the stringent requirements that i...

Athena and her guest, Julianne Dinda of Radius Financial Group, share the top 5 reasons a home loan fails on Closing Day. According to the National Association of Realtors, 72% of home loans close on time, 22% are delayed and 5% do not close. In this podcast, we will discuss the 27% risk and as a Buyer what you should know to avoid a lender refusing to fund on closing day. A Lender continues to ev...

Athena and her guest, Frank Walker of State Farm Insurance Agency, discuss why homeowner's insurance is so expensive in Florida. The show explores an historical perspective, factors that are imposing higher premiums, what is the role of Citizens , what are re-insurer agencies and their impact on premiums and lastly what you can do to ensure you are getting the lowest premium. Frank also offers...

Athena shares the top 5 reasons why today's housing market is not the same as the 2008 housing bubble. Her guest, Danny Beydoun of FCM offers a perspective of the lending industry and history leading up to the crash, beginning with the collapse of Lehman Brothers. Athena goes further into debunking the media hype around the rush of foreclosures. Bottom line, if you are struggling with buying a...

Are you thinking of buying a home but are worried that today's interest rates are too high and that you won't be able to buy the perfect home? Prior to the Unicorn Years of the post pandemic and prior to free money, Discount Points played a large role in helping buyers to reduce their monthly payment and pay less for their loan over the life of the loan. In today's podcast, Athena and...

In this Podcast, Athena and her guest, Danny Beydoun of FCM Home Loans, share a unique investment loan that focuses on cash flow vs equity position to grow your investment portfolio and build generational wealth. The Cash Flow Investment Loans allows investors to add properties to their real estate portfolio with the hassel and without the restrictions of a traditional loan. Athena shares the impo...

Are you not getting the best interest rate to buy your dream home. Today we are going to drive into the topic of credit worthiness and 3 ways to improve your credit score to obtain the best interest rate from your lender. Remember, that the lender looks at your credit report to determine the lender's risk in giving you money to purchase a big ticket item like a house, a boat or a car. We will...

When buying a home, do you wonder if you are prepared to compete with other buyers for your dream home? While the offer price and the interest rate are important, the best pre-approval may make the difference to winning or losing on the perfect home. Today, I am going to share the four type of Lender pre-approvals and deep dive into each one so you can make the best decision. Julianne Dinda of Rad...

Athena begins with what is happening with the Interest rates and the impact on the housing market, then discusses home appreciation Post Covid and then she answers the question of shopping rates. Finding and hiring the right lending partner is much more than looking for rates. However, rates is a very important and sensitive issue. The best advice is to talk to a couple of lenders to determine who...