The Mortgage Voice

Jeff compares politics and real estate, noting that social media and the internet have turned local events into national concerns This influences the financial landscape, determining the amount of money people have to spend and how they are willing to spend it. Richard Greene, Wendy Van Wessel, and Sarah Liang share ideas to help hang onto more of that hard-earned money.

Jeff explores the probable measures loan companies are looking to adopt as government tapering nears. Some companies will not survive, some will consolidate, and some will privatize. Can loan seekers benefit from this reshuffling in the mortgage market? Guests Zack Harmon, Tyler Sinks, and Tracy Madden look into alternative energy options, multi-family real estate, and the desirability of the San...

Jeff breaks down the different aspects of how government debt directly affects the setting of interest rates for mortgages and why buyers should pay close attention to the decisions Congress makes concerning the debt ceiling. Are there more questions than answers? Guests Gino Payne, Maria Schroeder, and Jessica Hearns talk about entrepreneurs, small business owners, and what’s happening in the Las...

Jeff examines the numerous factors currently facing prospective homebuyers. The questions of tapering vs. inflation and employment vs. unemployment will influence the setting of interest rates, and recent extreme weather occurrences serve as a reminder that Mother Nature must always be part of the equation. Guests Jennifer Conrad, Luke Manke, and Tim Wise share insights on loans and programs.

Jeff breaks down the different causes of inflation and the effect it has on the economy. He is “on location” in Las Vegas, finding that businesses are booming and entrepreneurs are thriving, even in an inflationary market. His guests Oscar Carboni, Joann Munz, and Charles Giscombe bring some of their entrepreneurial insight into the world of cryptocurrency, property management, and non-QM loans.

Jeff checks in with his sound engineer Darrell regarding the recent fires up in Lake Tahoe to get an idea of how residents in that area are being impacted, shining a light on an important aspect of loan consideration – natural disasters. Guests Ronnie Montana, Celia Rios, and Brendan McBreen discuss high market prices, the loan qualification process, and how best to stage a home.

Jeff ponders the way people have changed their home searching behavior due to Covid concerns. Health worries and the stress of children going back to in-person classes are some of the reasons fewer people are actively looking for homes. Is this creating an opening for buyers? Jeff continues his spotlight on entrepreneurs with guests Joe McKone and Kurt Lehrmann.

Jeff invites entrepreneurial experts Tim O'Keefe and Jaime Kinser to share strategies to help maximize marketing opportunities for new and existing businesses. With tapering on the horizon and margins shrinking, higher interest rates are in the not-too-distant future. Guests Bambi Olesky and Nina Penny help decipher what this means for prospective home buyers.

Jeff shares statistics for the housing shortage and how individual cities have such a big effect on determining the current high prices. Additionally, he introduces the latest strategies mortgage companies are using to try and reach more of the real estate market. Guests Brenda Scott and Maria Schroeder explore programs available to help buyers with lower income and credit scores.

Jeff explains the differences between Rate-and-Term vs. Cash-Out Refis and Owner-Occupied vs. Non-Owner-Occupied loans. He also discusses high-risk loans, who invests in them, and why. Charles Giscombe, George Gonzales, and Patrick Washington bring some clarity to the process of finding the most advantageous loan for every client.

Jeff sheds light on the manner in which Covid has driven the backlog of home appraisals and created the perplexing duality of low-interest rates/high housing prices. Gentille Chhun, Mitch McClellan, and Jennifer Conrad give their input on how to navigate a multiple-offer market, what’s happening in talk radio, and the importance of loan officers.

Jeff investigates how Covid, weather-related incidents, and natural disasters are impacting both the loan application process and the national real estate market in general. LaWanna Bradford, Eddie Rael, and Darren Woodworth provide perspectives on how different parts of the country are dealing with these issues.

In this episode, Jeff explores the factors involved in creating this most unusual housing market. What programs are advantageous today compared to those anticipated in the future? How do rates affect the decision in choosing a QM or non-QM loan? Jeff’s guests Maria Schroeder, Brenda Scott, and Charles Giscombe help to shed some light on how this summer’s unique circumstances are being addressed.

Jeff discusses the bond market's unexpected turn, which was the polar opposite of expectations. How does that correlate to the availability of inventory? The ability to repay rule is changing, and the QM loans qualifications are evolving with it. He gains some insight on the home affordability in different markets from guests Jill Denton, Connie Hernandez, and Laura Preege.

Jeff makes sense of the confusing information surrounding the loan-making process and how to best navigate through it. Guests Noah Schuffman and Bill Orr discuss securitization, niche product offerings, and the drawbacks of a seller's market.

Jeff details the elements that go into determining how you qualify for the lowest rate - what makes up the rates, how credit scores are used, and the external factors happening in the economy. Charles Giscombe, Parzad Razi, and Rebekah Fitzgerald discuss getting into a new home now post-COVID, low FICO score programs coupled with manual underwriting, and the advantages of being in the real estate...

Jeff explains how interest rates are set, noting the 10-year bond's performance as a crucial component, and why he believes we're in an artificial market because of the way the government purchases debt. His guests, Chris Groves and George Gonzales, discuss new purchases vs. refinancing, appraisal concerns, and which programs are most advantageous to their clients.

Jeff discusses the problem of the surplus of available jobs relative to negative population growth and how that translates into difficulties in creating homeownership. He and his guests Alma Carrera and Tomas Trujillo explore bank statement loans for those who are self-employed, non-QM programs, and down payment assistance.

Jeff weighs the pros and cons of trying to get a home loan quickly vs. taking time to get help with researching one that is tailored to your individual needs, Prime/Alt Prime Loans, and wading through the sheer number of other potential buyers in this low-inventory housing market with guests Bill Orr, April Lopez, and Richard Giscombe.

Jeff stresses the importance of finding the right loan officer for your situation and being honest with them during the application process, introduces some of the latest loan programs and financial products, and helps define an “invisible loan” with guests Celia Rios, Taryll Robinson, Reed Blake, and Richard Greene.

Jeff explains the different qualifications needed to obtain a loan, what variables will affect the types of loans prospective homebuyers are eligible to receive, and some of the “shortcuts” to avoid with guests Ryan Bagan, Chris Calderon, and Kim Soash.

Jeff discusses whether or not we are experiencing another “Housing Bubble”, entrepreneurs during COVID, integrity in the real estate business, and demystifying the home buying process with guests Ed Peisner, Eddie Rael, and Charles Giscombe.

Jeff gives insight into how lenders decide what loans are approved, what changes are on the horizon for qualified loans, and his guests Dean Garrett, Kim Tran, and Wendy Van Wessel discuss programs that are available to prospective homebuyers.

In this episode, Jeff offers solutions to help make it easier to build more affordable housing and talks about what’s new in reverse mortgages with guests Adam Potafiy and Nina Penny.

Jeff explores the scarcity of homes in the marketplace, new loan options, and the issues surrounding making more low-income housing available in communities across the Southland with guests Honey Manderville, Noah Schuffman, and Livier Becerra.