The Mortgage Athlete

Are you hiding behind technology instead of building real relationships? In this episode of The Mortgage Athlete Podcast, Tracy Hayes and Tom Reber welcome John Adams. John is a seasoned mortgage leader and Southeast Division Director of Sales at Interlink Mortgage, bringing decades of experience and mentorship in the industry. In this episode, he joins Tracy Hayes and Tom Reber to break down what...

If you could build on your own land without making payments during construction, would you stop shopping listings and start creating the home you actually want? In this episode of The Mortgage Athlete Podcast, Tracy Hayes and Tom Reber welcome John Adams, this episode focuses on construction perm loans and why they matter in land rich areas like Northeast Florida and South Georgia where many buyer...

What would change in your life if your home could help pay for itself? In this episode of The Mortgage Athlete Podcast, Tracy Hayes and Tom Reber welcome John Adams to talk about mortgage hacking and how buyers can use real estate strategies like the BRRR method and house hacking to offset the true cost of ownership. John shares how his early years in real estate led to mistakes during the 2008 er...

If the perfect home is priced out of reach, what if the best deal is the house nobody else wants because it needs work? In this episode of The Mortgage Athlete Podcast, Tracy Hayes and Tom Reber talks about Renovation Loans. Renovation loans are becoming relevant again as the market corrects, inventory stays tight, and more homes hit the market needing repairs. John Adams explains how this shift c...

What if your dream home already exists but just needs a little transformation to become perfect? In this episode of The Mortgage Athlete Podcast, Tracy Hayes and Tom Reber unpack the power of renovation loans to solve today's housing affordability challenges. With over 50 years of combined experience, they walk through two renovation loan success stories that transformed nearly unlivable propertie...

What if the only thing standing between you and homeownership… isn't money at all? In this episode of The Mortgage Athlete Podcast, Tracy and Tom uncover a little-known path to homeownership through Planet Home Lending's Down Payment Assistance Program (DPA). Forget what you've heard… no, you don't need 20% down, and no, DPA programs don't have to be slow, restrictive, or filled with gimmicks. Wit...

What if you could sell your current home, buy your dream home, and skip the stress of a double move, all in under a month? In this episode of The Mortgage Athlete Podcast, Tracy Hayes and Tom Reber unveil the inner workings of the Purchase Edge program, a home-lending playbook that turns "maybe" into "move-in ready." Tom shares the captivating story of David and Diana, a couple who needed to reloc...

What's more costly—paying for proper estate planning today, or leaving your family to fight it out in court tomorrow? In this episode of The Mortgage Athlete Podcast, Tracy Hayes and Tom Reber welcome estate and tax attorney  Robert Daugustinis  joins Tracy Hayes and Tom Reber on the Mortgage Athlete Podcast to demystify the world of estate planning. They dive into the differences between revocabl...

What would happen if every buyer had access to zero-down, no-MI VA-style loans? In this episode of The Mortgage Athlete Podcast, Tracy Hayes and Tom Reber welcome veteran mortgage expert Gabriel Santiago from Atlanta. The trio unpacks the current market outlook, including predictions for Fed rate cuts, and how dipping interest rates could spark another buying frenzy. With deep expertise and candid...

What if the deal you're about to walk away from just needed the right person to unlock its hidden potential?   In this episode of The Mortgage Athlete, Tracy Hayes and co-host Tom Reber puts a spotlight on Jeromy Peters, a legendary loan officer in Northeast Florida known for closing deals others deem impossible. Jeromy shares the behind-the-scenes story of a heartfelt client experience that invol...