The Mortgage Reports Podcast

Zillow has seen massive losses recently. Throughout 2021 Zillow overspent on tens of thousands of homes in an unprecedented home-buying spree. Then, in late 2021 it all came crashing down. Zillow exited the "iBuying" business and their stocks plummeted. The news reported that this might be an indicator that a housing market crash is soon to follow.  In this episode,  Arjun Dhingra NMLS#1...

Call it the unintended consequence of debt-free living: With no visible evidence that you’ve managed credit accounts in the past, mortgage lenders will be nervous about your ability to repay a loan in the future. There’s no history for them to go on. Thankfully, you may not need a traditional credit profile to get a mortgage–approved. In this episode, Ivan Simental NMLS# 1762746 discusses how to g...

Many experts now speculate the Fed will raise interest rates sooner than initially planned; maybe as early as March. And it could hike rates four times (up from three) over the course of the year. In this episode, In this episode, Ivan Simental NMLS# 1762746 discusses why significant mortgage rate growth could take off in the next few months. It also means if you’re betting on interest rates to de...

Are you wondering about mortgage insurance and if it's actually required? Maybe you want to know how to avoid it altogether? In this episode, Ivan Simental NMLS# 1762746 breaks down everything you need to know about mortgage insurance: - The basics of mortgage insurance: how it works and why it's required - Conventional PMI vs FHA MIP, USDA mortgage insurance, VA funding fee - Is mortgag...

In this episode, Ivan Simental NMLS# 1762746 answers the most common questions he is asked by first-time home buyers. - How much mortgage can you afford? - What will your mortgage payment be? - What do I need to qualify for a home loan? - What is my interest rate?  Learn more about home buying tips and advice at themortgagereports.com The Mortgage Report Podcast presented and operated by FULL BEAK...

Do you feel confused about the whole mortgage loan process? We get it, it can feel daunting. In this episode, Ivan Simental NMLS# 1762746 breaks down the entire process so you can feel confident applying for a mortgage loan. The Mortgage Report Podcast presented and operated by FULL BEAKER, INC. NMLS#1019791 Equal Housing Opportunity. Learn more at themortgagereports.com

In a competitive market like today, you might feel pressured to lock in a mortgage rate especially if you find a home you love. It's important to prepare and to slow down. In this episode, Ivan Simental NMLS# 1762746 discusses the most important steps to take before buying a home. The Mortgage Report Podcast presented and operated by FULL BEAKER, INC. NMLS#1019791 Equal Housing Opportunity. L...

Mortgage rates have started to rise and should go higher in 2022. In this episode, Arjun Dhingra NMLS#1166050 explains why and what it means for you. Visit themortgagereports.com for more tips, tricks, advice, and knowledge on purchasing or refinancing your home! The Mortgage Report Podcast presented and operated by FULL BEAKER, INC. NMLS#1019791 Equal Housing Opportunity. Read more at themortgage...

Home prices and rent are skyrocketing, it's anything but normal right now. What will happen in 2022? What could turn things around and cause a drop in prices or increase inventory? Arjun Dhingra NMLS#1166050 discusses all of this and more. The Mortgage Report Podcast presented and operated by FULL BEAKER, INC. NMLS#1019791 Equal Housing Opportunity. Learn more at themortgagereports.com

In this episode, Ivan Simental NMLS# 1762746 discusses the FHA loan and offers amazing advice for first-time homebuyers who are considering an FHA loan.  Visit themortgagereports.com for more tips, tricks, advice, and knowledge on purchasing or refinancing your home! The Mortgage Report Podcast presented and operated by FULL BEAKER, INC. NMLS#1019791 Equal Housing Opportunity.

If your student loans have stopped you from buying your first home,  this episode is for you! A recent change to the FHA home loan guidelines has made it much easier for borrowers with student loans to own a home. Ivan Simental NMLS# 1762746 breaks down all the changes and why this is great news for those who are hoping to purchase their first home soon!  Visit themortgagereports.com for more.  Th...

House hacking allows the owner to live for free, renters pay the mortgage, and allows the homeowner to start an investment property. In this episode, Ivan Simental NMLS# 1762746 breaks down the topic of house hacking. What is house hacking?  Is house hacking worth it? How do you get qualified to own an investment property? Can you buy a second home after purchasing your investment property? What&a...

The short answer is YES! You can buy a house with student loan debt. But, it's going to take a bit more planning. In this episode, Ivan Simental NMLS# 1762746 dives deep into what it takes to get pre-qualified for a home loan if you are right out of college and have student loan debt.  The Mortgage Report Podcast presented and operated by FULL BEAKER, INC. NMLS#1019791 Equal Housing Opportuni...

In this episode In this episode, Arjun Dhingra NMLS#1166050  discusses the key reasons why the current housing market shouldn't necessarily be compared to the housing market during The Great Recession. And, why now is still a good time to buy a house.  The Mortgage Report Podcast presented and operated by FULL BEAKER, INC. NMLS#1019791 Equal Housing Opportunity.

Refinancing has boomed in the last year, and it’s no wonder why. With rates at historic lows and homeowners sitting on record amounts of equity , many borrowers have saved thousands. And if you haven’t refinanced yet? It’s not too late. Over 15 million homeowners are still ‘in the money to refi according to data firm Black Knight . As mortgage expert Arjun Dhingra NMLS# 1166050 says, now may be th...

If you’ve ever wished that there were some way you could get help affording a down payment so you could purchase a home that you love, you’re in luck: there is.  In a recent episode of The Mortgage Report podcast, Ivan Simental NMLS# 1762746, mortgage advisor at @theivansimental tackled how to qualify for down assistance programs when buying a home, if such programs could be right for you, and the...

Looking for some advice on leveraging the equity in your home? Mortgage advisor Arjun Dhingra NMLS#1166050 of the Mortgage Reports podcast recently tackled the trending hot topic of homeowners and cash-out refinances. Here’s what he had to say.  The Mortgage Report Podcast presented and operated by FULLBEAKER, INC. NMLS#1019791 Equal Housing Opportunity.

Mortgage expert, Arjun Dhingra NMLS#1166050 tackles a hot topic: buying real estate in today’s inflated market.  With home prices hitting record highs, many would-be buyers are wondering whether it makes sense to invest in real estate right now — or wait for prices to level out.  Arjun discussed what inflation is, how it impacts real estate, and what you can do to hedge yourself against it. Here’s...

It’s the million-dollar question and Ivan Simental NMLS# 1762746, mortgage advisor at @theivansimental and host of The Mortgage Report podcast is tackling it: do you actually need two years of employment history before you can buy a house? The answer is yes, but according to Simental, there’s more to the story than that. “There are a few caveats around that,” he notes. So what are they? What do mo...

If you have ever wondered how much money you need to save for a down payment on a house or how much money you should put down (hint: sometimes more is not always better!) Ivan Simental NMLS# 1762746 has you covered.  In this podcast episode, he explained if you actually need to have 20% down in order to buy a home and how you can decide how much to put down. Here’s what he had to say about down pa...

If you’re looking to buy a house but you have bad credit, we have some good news for you: you may still be able to get a mortgage loan. In this episode, Mortgage Expert Ivan Semintal NMLS # 1762746, gives the best advice on buying a house with a low credit score.  Bad credit, or even not-so-great credit isn’t the automatic deterrent for a home loan that it once was says Ivan Simental, mortgage adv...

In this episode, mortgage expert, Ivan Semintal NMLS# 1762746, reveals how to buy a home with zero out-of-pocket. He also breaks down the difference in down payment and closing costs and what you might expect to owe at closing. Don't let a 20% downpayment hold you back from buying a house. Did you know that most homeowners don't put 20% down because they qualify for programs that allow y...