The Mortgage Chatter

Send us Fan Mail 🎙️ New Episode Alert – Mortgage Chatter This week, Bailey and Tyler are diving into one of the biggest misconceptions in homebuying: you do NOT need perfect credit to get a mortgage. They break down what lenders actually look for, how different credit tiers impact your options, and why waiting for a “perfect score” might be holding you back from buying. Plus, they share practical...

Send us Fan Mail What happens when the guy who structures loans for a living has to apply for one? This week on Mortgage Chatter , Tyler shares his personal home buying experience — the stress, the surprises, and the perspective shift that comes from sitting on the other side of the table. Tyler and Bailey talk about: The emotions buyers feel (even when you know the guidelines) Communication from...

Send us Fan Mail nterest rates have been moving, housing values are fluctuating, and borrowers are left asking the big question: Is now the time to refinance—or should you stay put? In this episode, Tyler and Bailey break down the latest market dynamics, decode what recent rate trends mean for homeowners, and share real-world scenarios that can help you decide whether refinancing makes financial s...

Send us Fan Mail On this week’s episode of The Mortgage Chatter , Tyler and Bailey clear up one of the most common (and most misunderstood) questions in homebuying: what’s the difference between getting pre-qualified and getting pre-approved? They break down what each one actually means, why the difference matters way more than people realize, and how choosing the right one can impact your home se...

Send us Fan Mail  On this week’s special episode of The Mortgage Chatter , Tyler and Bailey kick things off with a very special birthday shout-out, brace for the snow, and then tackle a big question that’s way more exciting than it sounds: what even is a mortgage?! From the moving parts behind the scenes to the key players you might not even realize are involved, we break down the basics, bust the...

Send us Fan Mail Hello 2026 and welcome back to The Mortgage Chatter!!  Amidst the busy season of the holiday's we did get a little carried away and missed some episodes - Not to worry, 2026 we are coming back HARD and BETTER than EVER! In our first episode back, we introduced our NEW co-host, Bailey Land, who is taking over for Ken Land - Ken, you will be missed! We briefly re-visited Bailey...

Send us Fan Mail In the ever changing market - mortgage financing is always one of the top priorities. Why should you go with who?! Most lenders can technically offer the same loan programs, rates, and options—but choosing the right one goes beyond the numbers. In this episode, Tyler and Ken break down why it matters who you work with, how quickly they respond, and who will actually get the job do...

Send us Fan Mail With all the buzz in today's market, refinances are back in the spotlight! In this episode, Tyler and Ken break down when a refinance makes sense, the different types of refi options out there, and what homeowners should consider before jumping in. Touching briefly on the Fed and what there major meetings are in the near future.  Whether it's lowering your rate, pulling...

Send us Fan Mail In this episode of Mortgage Chatter , Tyler and Ken break down two of the most important documents in the homebuying process: the Loan Estimate (LE) and the Closing Disclosure (CD) . Whether you’re a first-time buyer or a seasoned homeowner, understanding the differences—and what to look for —can save you money, stress, and surprises at the closing table. They’ll cover: What each...

Send us Fan Mail 🎙️ The Mortgage Chatter In this episode, we’re thrilled to introduce our newest team member, Mindy Rozear, a seasoned expert in reverse mortgages . As demand grows for smarter retirement solutions, Mindy brings deep knowledge, real-life experience, and a fresh perspective on how reverse mortgages can support aging homeowners and their families. Tune in as we cover: Who qualifies f...

Send us Fan Mail Join your hosts Ken and Tyler as they take a deep dive into the world of DSCR loans — a powerful tool for real estate investors. And this time, they’re joined by Bailey , who's learning the ropes right alongside you, bringing a fresh perspective to the conversation. DSCR (Debt Service Coverage Ratio) loan programs are designed specifically with investors in mind. But what exa...

Send us Fan Mail In this special episode of The Mortgage Chatter, your hosts Tyler and Ken brought back in a familiar face!  Bailey, one of our very first guest appearances, has gone from an outsider asking questions - to one of your newest licensed Mortgage Loan Officers! We thought it would be fun to get Bailey back on the Podcast and talk about the differences of looking in vs being in.  We tou...

Send us Fan Mail On this week's episode of The Mortgage Chatter, your hosts, Tyler and Ken, catch-up on their where-abouts lately!  Back in full action - at a new location. The storm of moving and Easter has passed and we are back to regularly scheduled programming! They also touched on the Roller Coaster of the market lately - what has happened and where things are looking in regards to mort...

Send us Fan Mail In this special episode of the Mortgage Chatter, your hosts Ken Land and Tyler Kornhauser brought in a VERY important and special guest - Jane Kornhauser, head of operations at our branch! AND it is our last episode at our office that has been home base for years! Tune in for the new office tour coming to our YouTube soon!! Jane has not only worked with Ken for numerous years and...

Send us Fan Mail Part 2 of the insurance deep dive!! In part 1 we went line by line through an insurance policy. In this 2nd part, we dive into some tips and tricks on how to get your premium lower, while still getting great coverage!  Also in this episode, we dive into some optional coverage that could be very beneficial for you and particular situations, like rental properties!  You can reach ou...

Send us Fan Mail This episode of the Mortgage Chatter will be 2 parts, because we brought in another insurance agent with Brightway Insurance, Josh Smith, who gives us a deep dive breakdown on a homeowner's insurance policy!  The Mortgage Chatter has already had one Brightway agent, who helped shed some light on Homeowner's Insurance and the world as a whole. So this week, we decided to...

Send us Fan Mail On this episode of The Mortgage Chatter, we're excited to welcome a special guest, Jenn Finnegan from Keller Williams South Park!  With several years of experience in the industry, Jenn has quickly risen to become one of the top Realtors in the Charlotte Metro area. After gaining invaluable knowledge on her first team, she now brings her expertise and passion to help clients...

Send us Fan Mail The Mortgage Chatter team is kicking off 2025 with an EPIC episode you won't want to miss! Hosts Tyler and Ken sit down with real estate investing expert Tom Tousignant to dive deep into the world property investment. With a background in the Air Force, years of experience in the mortgage industry, and over 20 investment properties under his belt, Tom is the perfect person to...

Send us Fan Mail 2025 already!?!?! 2024 flew past and we can't thank everyone enough for supporting and following alongside The Mortgage Chatter! Ken and Tyler had a great time starting up the Mortgage Chatter and are thrilled to elevate going into 2025. The first episode of the New Year, Ken and Tyler thought it would be a great opportunity to talk about MARKET TRENDS! How 2024 started, the...

Send us Fan Mail What is a HELOC or 2nd Mortgage?! This week on The Mortgage Chatter, your hosts Ken and Tyler dive in to the world of 2nd liens!  Have a fantastic interest rate but want to use your home's equity for some updates or repairs?! A HELOC can help bridge the gap and use equity WITHOUT refinancing your mortgage! Found a dream house that may need a few repairs? A renovation loan cou...

Send us Fan Mail On this episode of The Mortgage Chatter, Ken and Tyler dive into what happens after you close on your mortgage! Servicing! Who are servicers, what they do, and how they can help you! This information filled episode takes a look at how servicing happens and the significance behind mortgage servicers!  They also touched on a few things servicers can do, like recasts - or the dreaded...

Send us Fan Mail Hey Mortgage Chatter-ers! On this episode of the Mortgage Chatter - your hosts, Ken and Tyler, take a step back from all the Mortgage Chattering and touch on Fairway Independent Mortgage Corp! At Fairway, Mortgages are what we do, not who we are! There is more to Fairway than just mortgages, from our charities to our support - Fairway is a Family! Fairway Cares: FairwayCares.org A...

Send us Fan Mail The Mortgage Chatter has had a great time bringing on guests and industry experts! And this episode is not shy of either!!  One of the crucial steps in buying a home is homeowner's insurance! So, your hosts Ken and Tyler, reached out to a dear friend and expert in insurance - Dimitri Apostle from Brightway Insurance! Dimitri and Ken have worked together for nearly 15 years pr...

Send us Fan Mail Special edition of this week's Mortgage Chatter!! Tyler and Ken host Miss Tar Heel Collegiate America, Lera Bogdanova, to ask some fantastic First-Time Home Buyer questions! This episode is laid back and a true conversation with a first-timer who wanted to know some specifics about buying a home! Lera is wrapping up her education at Southeastern College studying Radiologic Te...

Send us Fan Mail On this week's episode of The Mortgage Chatter, your hosts, Ken and Tyler jump into a big question that has surfaced recently! To refinance or not to refinance!? While rates are dropping, and it may be a good time to refinance to lower your monthly mortgage payment - there is more possibilities out there than some may think! Cash-out refinance to consolidate credit card or ot...