Shows
People's churchJordan Fitzgerald. Untapped Potential. 13-4-252025-04-1429 minPeople's churchJordan Fitzgerald. It is finished. 2-3-252025-03-0333 min
Surprise CastSurprise Cast #146 Patrick FitzgeraldHow do Patrick's artistic skills help me understand more about myself?
This episode features a heartfelt and meaningful conversation with Patrick Fitzgerald, the legendary frontman of Kitchens of Distinction/Stephen Hero. He discusses his journey through heartbreak, creativity, and healing.
As Patrick reflects on his artistic path, you'll learn about the music that molded his childhood. He also opens up about the challenges he faced while creating albums and shares insights into his creative process and how it has evolved.
Delve into Patrick's latest Stephen Hero album, "Convalescence," and how it reflects his c...2025-02-251h 30People's churchJordan Fitzgerald. The Key Holder. 26-1-252025-01-2734 min
C86 Show - Indie PopPatrick Fitzgerald - Kitchens of DistinctionPatrick Fitzgerald in conversation with David Eastaugh
https://patrickfitzgerald.bandcamp.com/
https://www.youtube.com/watch?v=r7Zr_w9cxtQ
Patrick Fitzgerald, singer and bass player in Kitchens of Distinction. After Kitchens he was: Fruit, one half of three fabulous duos - Lost Girls | The April Seven | Oskar's Drum - and solo he is Stephen Hero. He has been releasing records under all these guises and more since 1987.
Kitchens of Distinction (sometimes shortened colloquially to KoD) formed in Tooting, South London in 1986. The trio consist of lead singer and bassist...2025-01-111h 36
Through A Glass DarklyBehind the Phenomenon's Masks | Barry FitzgeraldWhat really is the phenomenon? How is it related to the fae and the djinn? Why does it tend to cluster around areas where there are negative magnetic anomalies? Find out as Sean Patrick Hazlett meets with paranormal researcher Barry Fitzgerald.
For early access to videos & a private discord server, to help build the channel, & to support it, sign up here. You can also provide one-time support to this channel here.
Links
IMDB
Note: As an Amazon Associate I earn from qualifying purchases.
Books
The Influence
The Complete Approach: A Scientific and Metaphysical Guide to the Paranormal
So My Home is Haunted...Now What?
Banshee
Biography
Barry Fitzgerald is an Irish author and paranor...2024-11-2831 min
Through A Glass DarklyWhat's Lurking in Ireland's Passageways to the Void? | Barry FitzgeraldWho were the mound builders? Why were they a death cult? Where did they come from? With whom were they communicating beyond the void? How are they related to the Celtic rituals of Samhain? Find out as Sean Patrick Hazlett meets with paranormal researcher Barry Fitzgerald.
For early access to videos & a private discord server, to help build the channel, & to support it, sign up here. You can also provide one-time support to this channel here.
Links
IMDB
Note: As an Amazon Associate I earn from qualifying purchases.
Books
The Influence
The Complete Approach: A Scientific and Metaphysical Guide to the Paranormal
So My Home is Haunted...Now What?
Banshee
Biography
Barry Fitzge...2024-11-2651 minPeople's churchJordan Fitzgerald. The Comeback. 27-10-242024-11-0426 min
The Alcohol ReThink Podcast with Patrick Fox172. Taking Responsibility with Paul Fitzgerald"I saw booze as the excuse, not the issue"
On episode 172 of The Alcohol ReThink Podcast, Patrick was joined by a fellow men's life & sober coach, Paul Fitzgerald.
Paul had used alcohol as a coping mechanism for the majority of his adult life.
Toward the end of his drinking had begun to experience suicidal thoughts, and while not acting on them he remembers driving fast down the motorway not giving a f*ck whether he lived or died.
Alcohol became a problem and the ultimate way to excuse himself from taking...2024-11-0149 min
Vital Dissent with Patrick MacFarlaneIntellectual Insurgency ft. Adam Fitzgerald Ep. 278Adam Fitzgerald is a geopolitical researcher, writer, and a leading expert regarding the events of 9/11, as well as the host of The Darkened Hour podcast. Vital Dissent website Join my email list and become a premium member: http://www.vitaldissent.club Vital Dissent Merch 10% off with code VD10 Show notes: Adam Fitzgerald on X be sure to subscribe to Adam's new YouTube channel Adam's previous Vital Dissent appearances2024-08-261h 33People's churchJordan Fitzgerald. The New is Now. 11-8-242024-08-1229 minPeople's churchJordan Fitzgerald. Freedom from sin. 30-6-242024-07-0128 min
Momentum Church PodcastPs Patrick Fitzgerald - "Mother's Day the Story of Boaz and Ruth" Pastor Patrick Fitzgerald is from People's Church Dublin City in Ireland. Following the tragic death of a close friend, Patrick began to search for truth. The emptiness of the life he knew troubled him greatly and he was determined to find God, if He existed! While on holiday in Tenerife, Patrick’s questions were finally answered, and he encountered God in a way he had never known before changing his life forever. Since then Patrick has devoted his life to the Kingdom of God, travelling the world and sharing the Gospel of Jesus Christ to all seeing many peoples li...2024-05-2940 minMomentum Church PodcastPs Patrick Fitzgerald - "Do You Ever Feel Like Giving Up" Pastor Patrick Fitzgerald is from People's Church Dublin City in Ireland. Following the tragic death of a close friend, Patrick began to search for truth. The emptiness of the life he knew troubled him greatly and he was determined to find God, if He existed! While on holiday in Tenerife, Patrick’s questions were finally answered, and he encountered God in a way he had never known before changing his life forever. Since then Patrick has devoted his life to the Kingdom of God, travelling the world and sharing the Gospel of Jesus Christ to all seeing many peoples li...2024-05-2930 minMomentum Church PodcastPs Patrick Fitzgerald - "It's Time For Breakthrough" Pastor Patrick Fitzgerald is from People's Church Dublin City in Ireland. Following the tragic death of a close friend, Patrick began to search for truth. The emptiness of the life he knew troubled him greatly and he was determined to find God, if He existed! While on holiday in Tenerife, Patrick’s questions were finally answered, and he encountered God in a way he had never known before changing his life forever. Since then Patrick has devoted his life to the Kingdom of God, travelling the world and sharing the Gospel of Jesus Christ to all seeing many peoples li...2024-05-2948 minPeople's churchJordan Fitzgerald. Contentment. 12-5-242024-05-1334 min
Is This a Ghost?68. Gerald FitzGerald, the Wizard Earl of KildareFaith and begorrah, it's off to wee Ireland to crack on about a wizard earl, boyo! Pitch your legs to the Emerald Isle, 'ere you get collywoddled o'er its wet castles and weird meat, and we'll hand you no blarney, though ye may pass some stones.This is the story of Gerald FItzGerald, the Wizard Earl of Kildare. Come for the ghosts, stay for the spooky season calendar, soft, velvety Thomas, Master of Horse, men-magic, and smoke that goes "poof."Sources:https://www.historichotels.org/hotels-resorts/kilkea-castle/ghoststories.phphttps://en.wikipedia.org/wiki/Gerald...2023-09-1359 minPeople's churchJordan Fitzgerald The Power of Choice 13-8-232023-08-1418 min
Building Better - A Podcast To Perfect The Construction ProcessS1 EP4 | Russell Greenfield - Fitzgerald & Son's PlumbingIn this episode host Patrick Parkman and co-host Jake Landreneau sit down with Russell Greenfield of Fitzgerald & Son's Plumbing. Russell is the BIM/VDC Manager with Fitzgerald & Son's and brings an experienced view on how BIM/VDC has changed over the last two decades. The discussion explores Russell's journey from discovering the technology to where he believes we are headed, given current industry trends. 2023-08-061h 03People's churchJordan Fitzgerald How Determined are you. 23-7-232023-07-2414 minMomentum Church PodcastPs Patrick Fitzgerald - "Taking The Land"Ps Patrick Fitzgerald is from People's Church Dublin City and shares a message and testimony of the person of the Holy Spirit. With over 25 years serving the Kingdom of God, Patrick has seen many miracles and lives changed including his own. Pastor Patrick has a passion for all people to experience and live out a testimony to the goodness and glory of God.2023-05-1534 minMomentum Church PodcastPs Patrick Fitzgerald - "When Jesus Calls Your Name"Ps Patrick Fitzgerald is from People's Church Dublin City and shares a message and testimony of the person of the Holy Spirit. With over 25 years serving the Kingdom of God, Patrick has seen many miracles and lives changed including his own. Pastor Patrick has a passion for all people to experience and live out a testimony to the goodness and glory of God.2023-05-1541 minMomentum Church PodcastPs Patrick Fitzgerald - "God Gives Vision"Ps Patrick Fitzgerald is from People's Church Dublin City and shares a message and testimony of the person of the Holy Spirit. With over 25 years serving the Kingdom of God, Patrick has seen many miracles and lives changed including his own. Pastor Patrick has a passion for all people to experience and live out a testimony to the goodness and glory of God.2023-05-1446 minMomentum Church PodcastPs Patrick Fitzgerald - "The Person Holy Spirit"Ps Patrick Fitzgerald is from People's Church Dublin City and shares a message and testimony of the person of the Holy Spirit. With over 25 years serving the Kingdom of God, Patrick has seen many miracles and lives changed including his own. Pastor Patrick has a passion for all people to experience and live out a testimony to the goodness and glory of God.2023-05-1237 min
Vorarlberg LIVEVorarlberg LIVE am 10. Februar 2023 mit Mike Galeli, Patrick Fitzgerald und Johannes RüdisserHilfe für Erdbeben-Opfer, Super Bowl und Biodiversität
Moderation: Joachim Mangard
Mag. Dr. Johannes Rüdisser, Ökologe, Natur- und Umweltpädagoge
Johannes Rüdisser ist Landschaftsökologe und spezialisiert darauf, wie sich Biodiversität und menschliches Handeln gegenseitig beeinflussen. Räumliche Analysen, ökologische Modelle, Indikatoren und Zukunfts-Szenarien sind Werkzeuge, die ihm dabei helfen, entsprechende Fragen zu beantworten. Am Freitagabend ist Rüdisser zu Gast bei "Vorarlberg LIVE".
Patrick Fitzgerald, Blue Devils Coach
Zum 57. Mal ermittelt die NFL im Super Bowl das beste Team der Saison. In der Nacht auf Montag (0.30 Uhr/live Pu...2023-02-1045 min
Belated Box OfficeEpisode 49 - Predator with Karen FitzgeraldJeff and Pat are joined by Karen to continue what is apparently a tradition of Schwarzenegger films in December. They rate and review the 1987 action-packed coke fest, Predator! And also try to guess how many squirrels they could beat in a fight.2022-12-0742 min
Slaughterhouse StudiosRecreational Outrage Ep.37 (Killer Mike, Not The Strokes) With Brandon PatrickThis show features local Denver comedians in a space where they can say whatever they want, and we are not a success until we have someone lose their job at SNL. This week on the podcast we have stand-up comedian and storytelling phenom, Brandon Patrick. This wild episode open with us looking back to the fall of the Hulkster, how it led to Donald Trump, and how can we find a wife as cool as Bubba's? Bradon tells a story of how Dad's today explain the "F" word to kids, why Dick Chaney couldn't have shot JFK even if...2022-08-272h 26
Vital Dissent with Patrick MacFarlaneUS Intelligence and Extremism: from 9/11 to Ukraine ft. Adam Fitzgerald Ep. 223 Show Notes: http://www.libertyweekly.net/223 https://youtu.be/Mi7wOSzR64Q Back on December 5, I invited researcher Adam Fitzgerald on to the show for an expansive discussion about psychological operations. The discussion was one of my many favorite interviews, and it was a very popular episode. In this week's episode, Adam returns for another expansive discussion. This time, we explore the relationships that US intelligence agencies, NGOs, and think tanks have with extremist groups. Specifically, we discuss the acceptance and influence of Ukrainian Nazis and Nazi collaborators in...2022-07-111h 42
Doomer OptimismEpisode 32 - Dr. Morris Berman w/ Ashley Colby and Patrick FitzgeraldOn this episode of Doomer Optimism Ashley Colby (@RizomaSchool) and her husband Patrick Fitzgerald (@RizomaAt) discuss the future of American democracy and the prospects for a new dark ages with author and soothsayer Morris Berman.
About Morris Berman
Morris Berman is an American historian and social critic. He earned a BA in mathematics at Cornell University in 1966 and a PhD in the history of science at Johns Hopkins University in 1971. Berman is an academic humanist cultural critic who specializes in Western cultural and intellectual history.
About Ashley Colby2022-04-261h 02People's churchPastor Patrick New Wine2022-04-2534 min
The Transition by Bunker Labs“How to Develop Your First Business Plan” with Patrick Fitzgerald, Angel Investor, Startup Advisor, and Lecturer at The Wharton School of BusinessI sat down with Patrick Fitzgerald, an Angel Investor, Startup Advisor, and Lecturer at The Wharton Business School, where he’s taught entrepreneurship to MBAs and undergraduates for the last eleven years. In the following episode, Patrick takes us through his business planning framework for first-time entrepreneurs and how you can leverage apply to achieve entrepreneurial success.
Be sure to subscribe to the Transition Newsletter on Substack here: https://bit.ly/37Bb8Ne
Pre-order a copy of my book “Black Veteran Entrepreneur: Validate Your Business Model, Build Your Brand, And Step Into Your Greatness,” here: https://bit.ly/36TNtuI
Check out Pa...2022-04-141h 09
Belated Box OfficeEpisode 34 - Jingle All the Way with Karen FitzgeraldMerry Christmas from the Belated Box Office! For the last podcast episode of 2021, Jeff and Pat welcome back Karen as a guest to talk about the holiday... classic? ... Jingle All the Way. Karen is not impressed.
This will be the last episode before we go on break for the holiday season. New episodes will return January 18th. Thanks for listening to the Belated Box Office, and have a Happy New Year!2021-12-2156 min
Vital Dissent with Patrick MacFarlanePsyOps: MK Ultra to Project Blue Bird w/ Adam Fitzgerald Ep. 194 Researcher Adam Fitzgerald joins me to discuss his recent video on Psychological Operations (Psyops) and mind control from MK Ultra to the Kyle Rittenhouse trial. We define Psyops, discuss who perpetrates them and how, and give examples. Episode 194 of the Liberty Weekly Podcast is Brought to you by: Join Liberty Weekly and tons of your favorite creators on Rokfin for one low subscription fee! Liberty Weekly Subscribestar Rakuten Cash Back Referral Link Liberty Weekly Substack 2021-12-052h 30Belated Box OfficeEpisode 31 - Red Notice with Karen FitzgeraldIt was Jeff's turn to miss the recording this time, so Pat is enlisting the help of his sister, Karen, to fill in for this week's episode. This week they're talking about the new Netflix release, Red Notice: a very glossy, expensive film filled with incredible star power and not much else. The movie Red Notice - unlike our podcast - has been brought to you by Aviation Gin!2021-12-0252 minDoomer OptimismEpisode 7 - The Drunkcast with Patrick Fitzgerald and Jason SnyderOn this episode of Doomer Optimism, repeat hosts Patrick Fitzgerald (@RizomaAT) and Dr. Jason Snyder (@cognazor) grab some beers and have a freewheeling discussion about the nature of Doomer Optimism, the future, and whether or not you'd kiss a llama.
About Patrick Fitzgerald
Patrick is one half of the power duo Rizoma Field School. He's been a Spanish teacher for over a decade at both the high school and college levels in the United States. He has a BA in Spanish Teaching from the University of Illinois and my MA in Foreign L...2021-11-181h 32
The Original CastDan Elish / Ella Fitzgerald Sings the Rodgers & Hart Song Book - Ella Fitzgerald (1956)Dan is probably most well known to music theatre fans as the book writer of 13 (coming soon to Netflix). But he’s also a lyricist, YA novelist, and an accomplished musician. And he’s here for an amazingly deep, 2-LP collection from the First Lady of Song. Topics include: discovering Richard Rodgers, Lorenz Hart’s words, working with JRB and Doug Cohen, knowing what you’re good at, and yes I forgot about The Boys from Syracuse I’m sorry I’m sorry I’m sorry please don’t @ me. Dan Elish Dot Com American The...2021-10-0659 minPeople's churchPastor Patrick. A cry from within. 14-2-20212021-02-1624 minPeople's churchPastor Patrick Encouragement Pt - 3 Don't let your dreams die.2020-12-0810 minPeople's churchPastor Patrick Encouragement Pt - 22020-12-0809 min
The Training Ground PodcastThe Training Ground Podcast #008 - Patrick FitzgeraldIn this episode of The Training Ground podcast I am speaking with Assistant Men's Soccer Coach, Patrick Fitzgerald. Pat currently works for Midwestern State University and recently transitioned from playing into full time coaching. To view full show notes go to: https://kjbtraining.com/the-training-ground-podcast-008-patrick-fitzgerald/2020-11-191h 01People's churchPastor Patrick. Encouragement Pt 1 - Discouragement2020-11-1709 minPeople's churchPastor Patrick Do you understand what you have received.2020-11-0210 minPeople's churchPastor Patrick Don't let your heart be troubled.2020-11-0208 minPeople's churchPastor Patrick Speak to the mountain.2020-10-2709 minPeople's churchPastor Patrick Against Hope.2020-10-2710 minPeople's churchPastor Patrick What road we go down.2020-10-2211 minPeople's churchPastor Patrick The gift of grace.2020-10-2211 minPeople's churchPastor Patrick Blessing.2020-10-1712 minPeople's churchPastor Patrick The Mother of Moses.2020-10-1709 minPeople's churchPastor Patrick Your Identity in Christ.2020-10-0730 min
Talking 'ShipDavid & Patrick: "Positively Bedeviled with Questions Et Cetera" (Mailbag Episode)Best Wishes ‘Shippers, it’s our season finale. We’re driving into the distance with the Schitt’s Creek sign behind us, but before we do we have some VERY important questions to answer from our audience. This is our MAILBAG episode featuring questions from you, our listeners. We’ll be talking ‘ship about the Emmy nominations, Gwen and Bob, Moira's wigs, our truest feelings on Mutt vs. Ted, and if we tend to fall for Davids or Patricks...We’ll also discuss:How we feel...2020-08-0655 min
Talking 'ShipDavid & Patrick: "In Need of a Generator" (Lessons Learned)Like the midway point of many stories, heroic journeys, and television shows… this episode is bringing you some CONFLICT.In this, our third of five Schitt’s Creek episodes, we are talking about all the DRAMA in the David/Patrick relationship.Lucky for them and lucky for us who ‘ship them… there isn’t a lot. David and Patrick have an incredibly healthy relationship full of communication, understanding and balance. But how did they get there?This episode we break down...2020-07-2356 min
Talking 'ShipDavid & Patrick: "Simply the Best" (Romance Begins)Welcome back to our Schitt’s Creek season of Talking ‘Ship. We’re continuing on *that journey* and talking about the early days of the David & Patrick romance and what it teaches us about flirting, balance, and grand gestures. We’ll start by chatting about their meeting and how a conversation that could have been a fight tuns flirty. Is the will-they-won’t-they dynamic overrated? How do we feel about Patrick coming on so strong and clearly-intentioned? (SPOILER ALERT… it’s sexy)David and Patrick find a...2020-07-161h 04
Talking 'ShipDavid & Patrick: "Trying Very Hard Not to Connect With People" (Pre-Patrick)Warmest regards, Schitt-ers and Shippers. Welcome to season two of Talking ‘Ship!This season your co-hosts, Megan Fitzgerald and JP Maddock, will be discussing, dissecting, and debating David and Patrick from Schitt’s Creek. To introduce us to these characters and this television love story we’ll chat about why we chose David and Patrick, our appreciation of them as the “love you didn’t expect” couple, and their role in the landscape of LGBTQ representation in the media. This episode we focus on David Rose a...2020-07-0953 min
Real Estate Podcast with Patrick FitzgeraldThe Top 5 Ways to Derail a Loan ApprovalThere are five key ways that you can derail your chances of being approved for a home loan. If you’re serious about purchasing a home, you’ll want to avoid:
1. Taking on new debt. Doing so can change your debt-to-income ratios, which can upset your chances of being approved for a home loan.
2. Buying or leasing a new car. This can become a big hit to your credit report.
3. Letting someone pull your credit. Some files have credit scores that are on the very edge of approval; allowing, for example, a furniture store to pull your credit could be the...2020-02-1110 minReal Estate Podcast with Patrick FitzgeraldConforming Loan LimitsThe U.S. government just increased conforming loan limits for all loan types. What does this mean for homebuyers?
Each year the government sets maximum loan amounts for conventional, FHA, and VA loans. The loan limit for conventional and VA loans is now $510,400. In other words, all conventional loans for that amount or less can be secured for a minimum of 5% down. If you go above that amount, your loan turns into a jumbo loan, which requires other additional rules for your down payment.
“Each year the government sets maximum loan amounts for conventional, FHA, and VA loans.”
VA loans don’t...2019-12-2710 minReal Estate Podcast with Patrick FitzgeraldThe Real Value of Having a WillIf you don’t already have a will, it’s time to set one up. Even if you don’t think you need one right now, the truth is that unexpected tragedy can strike at any time.
Take, for example, a past client of mine who recently reached out to inform me of her husband’s passing. When I asked if he had a will, she said no. The widow assumed that all of his assets would become hers automatically, but this isn’t so. Inheritance laws do vary from state to state, but here in Texas, half of a deceased s...2019-12-0210 minReal Estate Podcast with Patrick FitzgeraldWhat Is a One-Time Close?A one-time close, or OTC, happens when a homebuyer wants to build a home on land they own, but needs a construction loan in order to fund the build. When the home is finished, then we create the 30-year mortgage to get them on down the road with it.
The one-time close has many benefits. It pays off the land if you owe money on it, it provides funds to the builder to construct the home, and it builds in a 10% variant to accommodate any potential budget shortfalls.
“You won’t have to worry about any closing costs or builder fees...2019-09-1210 minReal Estate Podcast with Patrick FitzgeraldBefore You Buy an Investment PropertySo you’ve decided to buy an investment property. What kind of financial regulations should you be aware of before proceeding any further?
First, since I’m known as the “VA loan guy,” let’s get this out of the way: You can’t use a VA loan to purchase an investment property unless you’re purchasing a duplex, triplex, or quadplex and you plan on living in one of the units yourself.
Investment property loans are always conventional loans, and the current conforming limit (the maximum for an investment property) is $484,350. The mandatory down payment for an investment property is at least 20...2019-08-1510 minReal Estate Podcast with Patrick FitzgeraldWhy Is the VA Eliminating Down Payments?In case you haven’t heard yet, the VA has eliminated down payments on all high-priced homes.
Right now, the conforming limit on a VA loan in most areas is $484,350. For a home purchase below that price, there is no down payment and no issue. For purchases above that price threshold, VA buyers have to pay 25% of whatever the overage is. For example, a veteran will need a $25,000 down payment on a home purchased for $584,000.
“This is a cool program we’re excited to learn more about.”
Starting on January 1, however, down payments for homes above that conforming limit threshold will not r...2019-07-2310 minReal Estate Podcast with Patrick FitzgeraldWhy You Can’t Quit Your Job During the Loan ProcessIf you’re planning on buying a home and going through the loan process, don’t quit your day job. You’d be surprised at how often this happens. Let me tell you a quick story.
I’m doing an FHA loan right now for a wonderful client. We contacted her employer to verify her income, but the employer relayed to us that she no longer worked there. Imagine the panic we had when finding out that information. We found out that she quit her new job, but started a better job with higher pay so she thought it wouldn’t be a big...2019-07-1110 min
The HustleEpisode 212 - Patrick Fitzgerald of Kitchens of Distinction/SoloYou might consider South London's Kitchens of Distinction forebears of the shoegazer genre that defined alternative rock in the UK in the early 90s. Fronted by bassist Patrick Fitzgerald, the Kitchens perfected the art of layering swirling guitars into infinity creating some of the most gorgeous noise ever recorded. But, after four albums in 6 years without a major breakthrough, the band called it quits in the mid-90s. Since then Patrick has had numerous side projects including Fruit, Lost Girls, Oskar's Drum, and his solo work under the name Stephen Hero. Oh, and he also became a doctor. Patrick...2019-05-291h 23
NFNL PodcastNFNL Podcast - Episode 8, 2019 (feat. Patrick Fitzgerald and Ben Chapman)Samuel Zito and Jordan Kounelis discuss the major talking points and review the action from the weekend's NFNL senior football competitions.
Special guests include Montmorency forward Patrick Fitzgerald following his 11-goal haul against Montmorency and Thomastown coach Ben Chapman ahead of his side's A Plus Labour Solutions Division 2 top-of-the-table clash against Banyule.2019-05-271h 16Real Estate Podcast with Patrick FitzgeraldWhat to Do When an Appraisal Comes Up ShortWhat happens when an appraisal comes up short of what a home is sold for? If the buyer has a VA loan, here’s what it looks like.
Let’s say a home is sold for $250,000 to a buyer with VA financing. The mortgage company will send the appointed VA appraiser along with the contract for the property. The appraiser then goes to the property, measures it, looks at its condition, and formulates an opinion on its value. Then, the appraiser will go back and do some research to see what other, similar homes have sold for recently.
This is why it...2019-05-0710 minReal Estate Podcast with Patrick FitzgeraldUSDA Loan Changes Can Now Be Used for Manufactured HomesThere have been some recent changes to the USDA loan in regards to manufactured homes.
Effective immediately in Texas, you can now use a USDA loan on pre-owned manufactured homes. What’s so cool about this? Well, the USDA loan is a zero down conventional loan program, meaning buyers don’t have to make a down payment.
This doesn’t mean all mortgage companies will do this, however. Each company has slightly different rules, so make sure you verify with yours.
“Each company has slightly different rules, so make sure you verify with yours.”
To qualify for the loan in Texas, you...2019-04-0510 minReal Estate Podcast with Patrick FitzgeraldPre-Approval vs. Pre-QualificationToday we’re going to talk about the difference between being pre-qualified and being pre-approved. I get this question a lot, so I figured I’d answer it for you.
A pre-qualification means that a lender has pulled your credit, examined your documents, and submitted an automated online approval with Fannie Mae or Freddie Mac.
A pre-approval contains all of the above, plus we submit the file to an underwriter. The underwriter looks at everything, asks for clarification, and makes a decision on whether you can afford a home or not. Once you’re pre-approved, you know exactly what you can aff...2019-03-0710 minReal Estate Podcast with Patrick Fitzgerald5 More FAQs about the VA Home LoanContinuing from last time, here are the last five questions featured in our series about the 10 most frequently asked questions we receive about VA loans:
6. “Can I use my VA loan to buy raw land?” I get this question nearly every single day, and the answer is no. The VA loan does not finance the purchase of raw land all by itself. Here in Texas, we have a wonderful program called the Texas Veterans Land Board, which does finance raw land for veterans. If you’re from out of state, you’ll have to look into whether your own state has such...2019-02-2110 minReal Estate Podcast with Patrick FitzgeraldAnswering Your Top 10 Questions About VA Loans: Part 1Today I’m excited to launch the first half of a two-part series covering the top 10 questions I hear about VA loans. We’re going to share five of these common queries today and finish with the remaining five in our next message.
1. What kind of credit score do you need to qualify for a VA loan? Believe it or not, the VA does not set a specific threshold for credit scores. Instead, they allow affiliated lenders to set a parameter they believe to be appropriate. So if you’re curious about applying for a loan, yourself, connect with a local...2019-02-0710 minReal Estate Podcast with Patrick FitzgeraldEscrow HoldbacksWhen there are required repairs or renovations that show up on an appraisal, they can be paid for through what is called an escrow holdback.
As an example, I’m currently helping an elderly couple who don’t have the ability to make any repairs—but they do have the money needed to do so. In situations like this, we hold money back from the seller at closing to pay for any fixes that are needed.
Escrow holdbacks are used for things such as roofing or flooring work; we won’t use it for room additions, foundations, kitchen upgrades, and other ren...2019-01-2410 minReal Estate Podcast with Patrick FitzgeraldConforming Loan Limit IncreasesToday we’ll be talking about the recent increase to conforming loan limits and what it means for you.
The conforming limit is the maximum loan amount the government allows someone to borrow when using a conventional or VA loan. Essentially, it’s been increased because home prices have risen.
For 2018, the conforming limit has been $453,100—on January 2, this limit will increase to $484,350. For someone using a VA loan, this means they can borrow up to $484,350 with no down payment. A conventional loan of this same amount can be borrowed as well, but a 5% down payment is required.
“The conforming limit is...2018-12-1810 minReal Estate Podcast with Patrick Fitzgerald1 Critical Step Unmarried Homebuyers Must TakeRight now, I’m working on two separate files for unmarried couples planning on buying a home together. And with that being the case, I thought now was the perfect time to share my insight on this scenario. Is it really a good idea for an unmarried couple to purchase a home together?
Actually, the answer to this isn’t black and white. It is possible for the situation to go smoothly, but I still recommend that anyone considering this arrangement starts the process by speaking with an attorney and having a simple agreement written up.
This agreement doesn’t have t...2018-12-0310 minReal Estate Podcast with Patrick FitzgeraldWhat You Need to Know Before Buying an Investment PropertyThe rules for purchasing a rental property are highly specific, so anyone considering doing so should be aware of a few key stipulations.
First, realize that you will need a 20% minimum down payment. That said, the higher your down payment on an investment property is, the better—as is the case for other home purchases, as well.
The interest rate on an investment property will always be at least 0.5% to 0.75% higher than it would be for the purchase of a primary residence, but submitting a higher down payment can help reduce this cost.
Additionally, your debt-to-income ratio must be below 50%, an...2018-10-3010 minReal Estate Podcast with Patrick FitzgeraldCan You Freeze Your Own Credit?If you’ve ever had your credit pulled without your permission or you’re worried about identity theft happening to you, a new federal law was recently passed that allows you to freeze your credit if you want to.
The best part? You can do it for free.
“A new federal law was recently passed that allows you to freeze your credit if you want to.”
All you have to do is contact all three major credit bureaus—Transunion, Equifax, and Experian—by phone, written mail, or online, and ask them to lock down your credit. If you make this request onlin...2018-10-1210 minReal Estate Podcast with Patrick FitzgeraldZero-Down Home Financing for the Rural HomebuyerToday we’re going to take a closer look at USDA home loans and the benefits they bring to homebuyers.
A USDA home loan is a loan guaranteed by the U.S. Department of Agriculture. It doesn’t work everywhere, however—the purpose the of the program is to help with financing homes in rural areas. You will not get approved for this loan inside a city with a population of more than 25,000.
As a type of conventional loan, the USDA loan uses a conventional appraisal. Similar to the VA loan, it doesn’t require a down payment at all. The borr...2018-08-0610 minReal Estate Podcast with Patrick FitzgeraldWhat Credit Repair Companies Do to Fix Your ScoreToday I want to talk about credit repair. What is it? And how can it help fix your credit score?
Before I get to that, however, I want to talk about the things that cause credit problems. Obviously, late payments and collections both contribute to a negative credit score. More recently, I have also seen broken apartment leases negatively impacting people’s credit scores.
There is the common misconception that when you pay off a past-due bill, it is no longer on your credit report. This is wrong because even if you have a $0 balance, the damage is done and it...2018-07-2310 minReal Estate Podcast with Patrick FitzgeraldThe Importance of Knowing Your DeductibleDo you know what your insurance deductible is?
In most cases, people tend to select a 1% rate in case of things like hail or fire damage. This means that if someone with a 1% annual rate has a $250,000 home, then their deductible would amount to $2,500.
But in some cases, people may take shortcuts and attempt to get a lower annual rate on their insurance premium by selecting a rate of 2% or 3%. This can land you in hot water, though. To explain why, I’d like to recount a scenario I encountered recently.
“The last thing you want to do is cut corn...2018-07-1110 minReal Estate Podcast with Patrick FitzgeraldWhy Home Warranties Are so ImportantWhen buying a home today, receiving a clean report from the home inspector does not mean you are out of the woods. Systems or appliances in your home could fail a week, a month, or even years down the line. And they may no longer be under warranty, meaning that you will be the one to pay if something goes wrong. That is, if you do not have a home warranty policy.
Having a home warranty policy can protect you from such expenses. You will be offered such a policy at closing, but it is still possible to obtain a...2018-06-2110 minReal Estate Podcast with Patrick FitzgeraldWhat Homeowner’s Insurance Policy Should You Choose?I get a lot of questions about homeowners insurance from clients as well as Realtors. So, today I’d like to discuss a few important points about this subject.
Rates are going up sharply due to some pretty massive national losses from a lot of the insurance companies. Hurricane flooding in Houston and other natural disasters in California are creating massive claims for insurance companies, driving up the costs. But, you should know that if you are going to finance the home, homeowner’s insurance is mandatory.
Many times, insurance companies try to get your business by offering you a low...2018-05-3110 minReal Estate Podcast with Patrick Fitzgerald12 Things to Avoid Doing During the Loan ProcessHere’s a quick rundown of the top 12 things you should not do during the loan process:
1. Quit your job (or change jobs). Why is this important? The day before closing, we have to call your employer to make sure you’re still there. If you quit, retire, or change jobs, that will be known the day before closing.
2. Buy a new car. All mortgage companies have to do a soft credit pull the day of or the day before closing to make sure you haven’t taken on any new debt. If you purchase a new car, that will be rev...2018-05-0110 minReal Estate Podcast with Patrick FitzgeraldHow to Combat Indecision in Today's Fast-Paced MarketToday, I’d like to talk about the effects of a fast-moving market. Recently, I’ve been hearing from a lot of frustrated buyers who are tired of losing out on homes.
Oftentimes the reason they lost out was that they told their Realtor they needed time to think. When the client calls their Realtor back with the decision to buy, they do so only to find out the home has already gone under contract with someone else.
This situation is frustrating for the buyer and their agent alike. In this market, you must be prepared to make fast decisions.
“I trul...2018-03-3010 minReal Estate Podcast with Patrick FitzgeraldIs Your Future Property Located in a Flood Zone?Why is it crucial when buying a property that you check if it’s located in a flood zone? Let me tell you a quick story.
I’m doing a loan for a couple who bought a 12-acre property awhile back but didn’t know that part of the property was in a flood zone. Since they only recently learned about this and we’ve pulled a flood certificate, they now have to pay between $100 and $200 a month extra for the entire life of their loan.
If you use a Realtor to buy a property, make sure they work hard to check...2018-03-1210 minReal Estate Podcast with Patrick FitzgeraldWhy Should You Work With My Own RealtorToday, we’re going to talk about why you need your own Realtor.
When driving around looking for a home, you might come across a house you like with a yard sign featuring a phone number.
Most people are tempted to pick up the phone and call, but you need to know that the number on the sign is for a Realtor who represents the seller. They have a signed contract with that homeowner, meaning that they’re not financially obligated to represent your interests, and don’t have to inform you about any known issues in the house. They have n...2018-02-1510 minReal Estate Podcast with Patrick FitzgeraldWhat’s the Difference Between an Inspection and an Appraisal?What is the difference between an inspection and an appraisal? Today, I’d like to clear up some key differences.
Many veterans call me believing that the VA is going to do an inspection on their home, when in fact, that’s not really the case. The VA will appraise a home, not inspect it.
An appraiser is there to view the property, measure it for square footage, take pictures of the home, and study the property as a whole to determine its value. This is done by comparing it to other properties with similar square footage and amenities that have...2018-02-0110 minReal Estate Podcast with Patrick FitzgeraldMortgage Loan Rules for Moving a Manufactured HomeToday I wanted to clarify the rules on moving a manufactured home. A lot of people don’t know this, but there are some very, very specific rules regarding this topic and there’s a lot of confusion about it.
Why is this so important?
A lender may not be able to do one of the top three loans—FHA, conventional, or VA loan—on a manufactured home if it’s been moved. FHA and conventional loans don’t allow a home to be moved or reinstalled once it has been in installed in its original location. Only VA loans, the loan opt...2018-01-0810 minReal Estate Podcast with Patrick FitzgeraldWhere Can Veterans Get a Home Improvement Loan?If you’re a veteran looking for a home improvement loan to make some upgrades to your home, I have good news and bad news.
The bad news is the VA doesn’t offer any loans for this purpose. The good news is the Texas Veterans Land Board does, and they recently doubled the amount they’re willing to loan to a veteran—$50,000.
There are a couple very favorable terms to this loan. Not only will they go up to 20 years on the loan at below market rate, but you don’t have to provide a down payment either.
“You don’t even n...2017-12-2110 minReal Estate Podcast with Patrick FitzgeraldA Unique Opportunity for Veteran HomebuyersDid you know that you can not only use VA financing to buy a home with 0% down, but you can also use VA financing to buy a multi-family property? If you set things up right, the home will essentially pay for itself. Here’s what I mean.
You are allowed to use a VA loan to purchase a multi-family property, but there are a few caveats. First, you must occupy the property as a primary residence within 60 days of closing on the property. That’s a very important rule to remember.
“This is a smart investment strategy.”
When it comes to multi...2017-11-2810 minReal Estate Podcast with Patrick FitzgeraldWhat You Need to Know About Property SurveysA property survey is a very important document in a real estate transaction. What is a property survey, though? What do you need to know about them?
When a mortgage company finances the property in question of a real estate transaction, they’ll require a property survey.This survey shows several key things. Most importantly, it shows where the house will sit on that property. It also shows the legal description of the property— which is important for recording ownership—and where the exact property lines are and where the fences are. If the property doesn’t have a fence and you’...2017-11-0810 minReal Estate Podcast with Patrick FitzgeraldIs Using an IRRL a Smart Move for You?“Pat, I just closed my VA loan with you. Within two weeks, I’m starting to get letters every week offering me to refinance my home loan. How do they even know I did a loan with you? Why am I getting these offers right off the bat?”
This is a question I get asked a lot and a scenario I encounter quite often. We didn’t sell your loan or your information to anybody, but in the state of Texas, whenever someone buys a home, it’s public information if there’s a loan put on it at the courthouse...2017-10-1610 minReal Estate Podcast with Patrick FitzgeraldIf a Storm Hits, Do You Have Coverage?The terrible situations that have unfolded in Texas, Florida, and elsewhere are still fresh in our minds, and for good reason. People have been flooded out of their homes, and it has been absolutely heartbreaking to watch.
So today, I wanted to talk about what flood insurance is and why it can be helpful in situations like these.
The most important thing I want you to know is that homeowners insurance does not cover rising water. If water happens to come in from the roof, it will be covered under homeowners insurance. If it comes from beneath and rises into...2017-09-2510 minReal Estate Podcast with Patrick FitzgeraldCan You Build With the VA Loan?Can you use a VA loan to build on land you own? Of course you can.
It doesn’t cost a penny to talk….so call me right now and I will answer your questions!
Apply Now
If you’ve got land, can you use your VA loan to build on it?
The answer is: of course you can.
Now that you know this is a possibility, there are a few things you need to consider before you can make it happen. The first step is to have your home designed.
After you’ve met with an architect to do this, yo...2017-08-2410 minReal Estate Podcast with Patrick FitzgeraldAre VA Appraisals Any Different from Conventional Ones?Today I wanted to talk about VA appraisals and how they differ from conventional appraisals.
It doesn’t cost a penny to talk….so call me right now and I will answer your questions!
Apply Now
I get a lot of calls about this with lots of questions about the VA appraisal and how it’s different from conventional appraisals. An appraisal is an estimated value of a property done by a licensed appraiser. One thing to remember is that VA appraisals are not that much different from a conventional appraisal.
The appraiser will first visit the property and measure the sq...2017-08-1110 minReal Estate Podcast with Patrick FitzgeraldHow Taxes and Insurance Figure into VA LoansToday I wanted to talk a bit more in-depth about how property taxes and homeowners insurance figure into the VA loan process.
It doesn’t cost a penny to talk….so call me right now and I will answer your questions!
Apply Now
Today I wanted to talk about taxes and insurance and how they figure into a VA loan. I get this question from both veterans and real estate agents alike.
In most areas, real estate taxes are comprised of state, local, city, and school taxes. They are all figured in by the local appraisal district, who then sets the...2017-07-2810 minReal Estate Podcast with Patrick FitzgeraldManufactured Homes Made SimpleThere are a few key rules you should know about in order to get a VA loan under a manufactured home.
It doesn’t cost a penny to talk….so call me right now and I will answer your questions!
Apply Now
If you’re considering using a VA Loan on a manufactured home, I have some information that you’ll need to know.
To begin, you should know that you are, in fact, allowed to have a VA loan under a manufactured home. However, this can be difficult in certain cases. Though VA loans are technically allowed on both double-w...2017-07-0310 minReal Estate Podcast with Patrick FitzgeraldWhat Is the Anatomy of a VA Loan?If you’re thinking of applying for a VA loan, here’s what you should know about them.
It doesn’t cost a penny to talk….so call me right now and I will answer your questions!
Apply Now
The anatomy of a VA loan features four components: principal, interest, property taxes, and homeowners insurance.
In January 2017, the U.S. Department of Veteran Affairs increased the loan amount on a VA loan to $424,100. That’s called the “conforming limit,” and it means in most states around the country, a veteran can borrow up to $424,100 with no down payment. In other areas of the c...2017-06-1210 minReal Estate Podcast with Patrick FitzgeraldTypes of Property You Can Buy With VA FinancingVA loans allow you to buy a wide variety of properties.
It doesn’t cost a penny to talk….so call me right now and I will answer your questions!
Apply Now
If you plan to use a VA loan, you might be wondering what types of properties you can use your VA loan for.
The most popular use is for a single-family residence, but you can also use a VA loan on a multi-family property like a duplex or triplex, but you can’t go higher than four units in one building. To use it on a multi-family home, the ca...2017-05-2210 minReal Estate Podcast with Patrick FitzgeraldCan You Still Get a VA Loan Post-Bankruptcy?If you had a bankruptcy in the past and it involved a home that you used a VA loan to purchase, you haven’t lost your eligibility. Here’s the situation you’ll face instead.
It doesn’t cost a penny to talk….so call me right now and I will answer your questions!
Apply Now
If you’ve had a bankruptcy in the past and it involved a home you used a VA loan to finance—have you lost your eligibility?
No, you haven’t. The Department of Veterans Affairs has a heart. They’ll always note that they lost money in that...2017-05-0510 minReal Estate Podcast with Patrick FitzgeraldWho Qualifies for VA Loans?Who can qualify for a VA loan? Do you have to have military benefits? I’ll go over the answers to those questions today.
It doesn’t cost a penny to talk….so call me right now and I will answer your questions!
Apply Now
Who qualifies for a VA loan? I get asked this question quite often, and I’ll go over the details behind qualifying today.
It’s true that in order to qualify for a VA loan, you have to be a veteran. However, a lot of veterans have spouses that are not associated with the military. Can they b...2017-04-2410 minReal Estate Podcast with Patrick FitzgeraldAnswering Some Common VA Loan QuestionsI get a lot of questions about VA loans and the eligibility restrictions. Can you use a second VA loan? Can you rent a home purchased with a VA loan? Find out here.
It doesn’t cost a penny to talk….so call me right now and I will answer your questions!
Apply Now
I’ve been getting a lot of questions lately from people, which is great. I wanted to answer a few of them today. One of the most common questions I get asked about VA loans goes like this: “Pat, I have used my VA loan to buy a ho...2017-04-0610 minReal Estate Podcast with Patrick FitzgeraldI Specialize in Working with Military ClientsI offer all types of mortgages, but my specialty is making sure military personnel can buy their dream homes.
It doesn’t cost a penny to talk….so call me right now and I will answer your questions!
Apply Now
I’m a loan officer here at Guild Mortgage in San Antonio and a mortgage expert. Although I do offer conventional, FHA, and all other different types of loans, my specialty is helping military personnel with their home loan needs. I’ve been doing this for the past 15 years.
One of the unique things I do is meet with my clients...2017-03-1610 min
Cutting the CurdEpisode 19: Patrick FitzgeraldThis week on Cutting The Curd, actor & playwright Patrick Fitzgerald talks James Joyce & cheese.
2010-02-2131 min