Shows
Helping Heroes Become HomeownersEpisode 28: The 2025 Housing Market: What Buyers and Sellers Need to KnowIn this episode of Helping Heroes Become Homeowners, host Richard Sarey sits down with Chris Cox, a seasoned real estate agent with Compass, to break down what 2025 has in store for the housing market. With nearly two decades of experience in the North Texas real estate scene, Chris brings expert insights on what buyers and sellers need to know to navigate the upcoming year.From market trends and interest rates to strategies for making the most of your home purchase or sale, Chris shares insider knowledge that will help you make smart real estate moves in 2025. Whether...2025-02-1350 min
Helping Heroes Become HomeownersEpisode 27: Unveiling the Top-Searched Mortgage Questions: What Homebuyers Are Asking Right NowIn this insightful episode of the Helping Heroes Become Homeowners Podcast, host Richard Sarey is joined by Ryan Gibson, Loan Officer at Alliance Mortgage Group, to explore the top-searched mortgage questions that homebuyers are asking right now. Ryan breaks down the most common queries and misconceptions people have when navigating the home loan process. Whether you're a first-time homebuyer or a seasoned investor, this episode has invaluable advice to help you better understand your mortgage options.Connect with our Guest at https://www.ryangibsonmortgages.com/Company Name: Alliance Mortgage GroupHost: Richard Sarey2024-10-2458 min
Helping Heroes Become HomeownersEpisode 26: Market Pulse: Your Essential Housing UpdateIn this exciting episode of the Helping Heroes Become Homeowners podcast, Richard Sarey sits down with Rene Sanchez-Mosley, a skilled real estate agent from Crew Real Estate, and Ryan Gibson, an experienced loan officer from Alliance Mortgage Group, to dive deep into the current housing market trends. Together, they explore how shifts in the market are affecting buyers, sellers, and investors alike. Whether you’re a first-time homebuyer or a seasoned real estate professional, this episode is packed with valuable insights you can’t afford to miss!Connect with our Guests:Rene Sanchez-Mosley: www.facebook.com...2024-10-0338 min
Helping Heroes Become HomeownersEpisode 25: New Settlement Rulings for Buying and Selling Real EstateIn this exciting episode of the Helping Heroes Become Homeowners podcast, host Richard Sarey sits down with Chris Cox, a seasoned Realtor with over 19 years of experience, and a key member of the Carrie Himel Group. Chris, who has been recognized as part of one of North Texas' top real estate teams, shares his insights on new settlement rulings that affect both buyers and sellers in the real estate market.With his extensive knowledge of the North Texas area, Chris discusses how these rulings will impact the homebuying and selling process, and what you need to know...2024-09-0542 min
Helping Heroes Become HomeownersEpisode 24: Should you be in the market right now to refinance your VA home loan?In this episode of the "Helping Heroes Become Homeowners Podcast," host Richard Sarey dives deep into the current market conditions and discusses whether it's the right time to refinance your VA home loan.With over 25 years of experience in the mortgage industry, Richard offers expert insights to help you make an informed decision about refinancing. Whether you're considering lowering your monthly payments, tapping into home equity, or simply exploring your options, this episode is packed with valuable information tailored specifically for veterans.Tune in to hear Richard's take on interest rates, refinancing benefits, and the...2024-08-2909 min
Helping Heroes Become HomeownersEpisode 23: Credit Blueprint: Paving the Way to Your Mortgage ApprovalIn this exciting episode of the Helping Heroes Become Homeowners Podcast, host Richard Sarey sits down with Ron Reed, Business Owner of The Credit Specialists, to explore the essential steps to boost your credit score and secure mortgage approval. Whether you’re a first-time homebuyer or a seasoned investor, understanding how your credit impacts your ability to obtain a mortgage is crucial.Ron shares invaluable insights into credit management, offering a detailed blueprint to help you navigate the often complex credit landscape. From dispelling common myths to providing actionable tips, this episode is packed with the knowledge yo...2024-08-2246 min
Helping Heroes Become HomeownersEpisode 22: Rethinking Home: The Military Guide to Affordable Rural Living and Market TrendsJoin us for Episode 22 of the "Helping Heroes Become Homeowners Podcast," hosted by Richard Sarey. In this episode, we welcome two distinguished guests: Ryan Gibson, Loan Officer at Alliance Mortgage Group, and Billy Medlock, Broker/Owner at Crew Real Estate LLC.Ryan Gibson brings his expertise from Alliance Mortgage Group, sharing valuable insights into the current market trends. Billy Medlock from Crew Real Estate LLC dives into the advantages of affordable rural living for military families. This episode is packed with practical advice and professional perspectives that will benefit veterans and real estate professionals alike.2024-06-1340 min
Helping Heroes Become HomeownersEpisode 21: Common Misconceptions About The VA Home Loan OfferHelping Heroes Become Homeowners Podcast | Episode 21: "Common Misconceptions About The VA Home Loan Offer" with Ryan GibsonWelcome to Episode 21 of the "Helping Heroes Become Homeowners Podcast" where we demystify the VA home loan process with our guest, Ryan Gibson. Ryan, a seasoned Mortgage Broker at Alliance Mortgage Group, joins host Richard Sarey to tackle the most common myths and misconceptions surrounding VA home loans. In this episode, Ryan shares his expert insights and debunks the fears related to qualification difficulties, extensive paperwork, and the challenges of securing favorable rates. He's here to assure veterans that...2024-05-0940 min
Helping Heroes Become HomeownersEpisode 20: The Impact of NAR's Latest Ruling on VA & First-Time Homebuyers in a Surging MarketEpisode 20: The Impact of NAR's Latest Ruling on VA & First-Time Homebuyers in a Surging MarketIn this compelling new episode of the Helping Heroes Become Homeowners Podcast, we dive deep into the recent National Association of Realtors (NAR) rulings and their profound impact on VA and first-time homebuyers. Joining us is Charles Vamadeva, a distinguished Founder & Broker at Patriot Pacific Financial Corp, who brings over two decades of mortgage lending expertise and an unwavering dedication to homeownership.Charles's journey in the mortgage industry is nothing short of inspiring. His relentless commitment to facilitating...2024-04-0456 min
Helping Heroes Become HomeownersEpisode 19: How To Build Wealth Through Real EstateWelcome to Episode 19 of "Helping Heroes Become Homeowners," the podcast where we turn dreams of homeownership into reality, especially for our community's heroes. Hosted by the ever-insightful Richard Sarey, this week's episode takes a deep dive into the lucrative world of real estate. 🏡💼 Whether you're a seasoned investor or just getting your feet wet, Richard's insights and expert advice will open doors to new opportunities and perspectives on building wealth.In today's episode, titled "How To Build Wealth Through Real Estate," we're not just talking about buying your first home. We're exploring how strategic investments in real estate...2024-03-0708 min
Helping Heroes Become HomeownersEpisode 18: Welcome Home: Essential Tips for Veterans & First-Time Home Buyers🎙️ Calling all heroes on the path to homeownership! Join host Richard Sarey and guest expert Jason Binyon, Insurance Agent at Binyon Insurance Agency, in Episode 18 of "Helping Heroes Become Homeowners."In this episode, "Welcome Home: Essential Tips for Veterans & First-Time Home Buyers," we're on a mission to empower our brave veterans and enthusiastic first-time buyers with the knowledge they need to make their home dreams a reality.From understanding the unique benefits of VA loans to demystifying insurance essentials, we've got the insider tips and expert insights to guide you every step of the way. Get r...2024-02-2239 min
Helping Heroes Become HomeownersEpisode 17: Ready to Unlock Your Wealth? Explore Your Financial Journey with JR Foreman!Welcome to "Helping Heroes Become Homeowners," the podcast dedicated to empowering our heroes with the tools and knowledge they need to achieve homeownership. In Episode 17, your host Richard Sarey sits down with JR Foreman, Founder and Senior Wealth Manager at Featured Wealth Management.Hailing from the picturesque landscapes of Casper, Wyoming, JR Foreman's journey to success is nothing short of inspiring. A former standout athlete, JR excelled both on and off the field during his time at Dickinson State University in North Dakota, where he earned his bachelor's degree in business. As captain of the university's football...2024-02-0837 min
Helping Heroes Become HomeownersEpisode 16: Homefront Highlights: Michelle Garfield's Expertise in DFW Real EstateWelcome to another inspiring episode of "Helping Heroes Become Homeowners," the podcast that empowers our everyday heroes on their journey to homeownership. I'm your host, Richard Sarey, and today, we have a special guest who brings 15 years of invaluable experience in the mortgage industry to our conversation.Joining us is the dedicated and passionate real estate agent, Michelle Garfield, from Genesis Realty Group. Michelle is not just a realtor; she's a trusted partner committed to helping you achieve your home-buying or selling goals. In this episode, we delve into Michelle's wealth of knowledge and expertise, exploring her...2024-02-0141 min
Helping Heroes Become HomeownersEpisode 15: Navigating the World of Homeowners Insurance with Jason BinyonWelcome to Episode 15 of "Helping Heroes Become Homeowners" with your host Richard Sarey. In this insightful episode, Richard sits down with special guest Jason Binyon, a seasoned Farmers Insurance Agent. Together, they dive into the intricate world of homeowners insurance, offering invaluable insights and expert advice.Navigating the complexities of homeowners insurance can be a daunting task, but fear not – Richard and Jason break it down for you. From understanding policy options to demystifying coverage types, they provide a comprehensive guide to help you protect your most significant investment – your home.Whether you're a first-time home...2024-01-2550 min
Helping Heroes Become HomeownersEpisode 14: Decoding the Dilemma - Purchase or Refinance for Your Home Sweet Home?Welcome to "Helping Heroes Become Homeowners," the podcast that empowers our everyday heroes to navigate the journey of homeownership. I'm your host, Richard Sarey, and in Episode 14, we're diving deep into a crucial decision many prospective homeowners face: "Decoding the Dilemma - Purchase or Refinance for Your Home Sweet Home?"Join me as I unravel the complexities of this decision, providing insights, expert advice, and real-life stories to guide you through the process. Whether you're a first-time homebuyer, a seasoned homeowner, or someone considering refinancing, this episode is packed with valuable information to help you make informed...2024-01-1811 min
Helping Heroes Become HomeownersEpisode 13: Keys to Kinship: Real Estate Radiance with Robert & Stephanie IrvinWelcome to the 13th episode of the Helping Heroes Become Homeowners podcast! Your go-to destination for all things related to VA Home Loans! Whether you're a military service member, veteran, or simply interested in the ins and outs of VA Home Loans, we've got you covered.In this episode, your host Richard Sarey, welcomes the husband-and-wife team of Robert and Stephanie Irvin, realtors at The Irvin Team at KW Central. With over 25 years of combined experience in the real estate industry, Robert and Stephanie delve into the art of seamlessly guiding clients through the intricacies of buying a...2023-12-2145 min
Helping Heroes Become HomeownersEpisode 12: Property Perspectives: Troy Sage's Trailblazing Insights in Real Estate DynamicsWelcome to the 12th episode of the Helping Heroes Become Homeowners podcast! Your go-to destination for all things related to VA Home Loans! Whether you're a military service member, veteran, or simply interested in the ins and outs of VA Home Loans, we've got you covered.In this episode, your host Richard Sarey, welcomes Troy Sage, a real estate expert at Competitive Edge Realty, to share his insights, expertise, and the latest trends in the ever-evolving real estate landscape.With a philosophy centered on service and staying attuned to market dynamics, Troy has become a...2023-12-1548 min
Helping Heroes Become HomeownersEpisode 11: From Service to Home Sweet Home: The Ultimate Guide to VA LoansWelcome to the 11th episode of the Helping Heroes Become Homeowners podcast! Your go-to destination for all things related to VA Home Loans! Whether you're a military service member, veteran, or simply interested in the ins and outs of VA Home Loans, we've got you covered.In this episode, your very own host delves into the nuances of VA Home Loans, providing valuable insights, tips, and expert advice to help you navigate the home buying process with confidence. From understanding eligibility criteria to maximizing your benefits, this discussion cover it all.Useful Link for Lenders...2023-12-0810 min
Helping Heroes Become HomeownersEpisode 10: Beyond the Rate: TPO GO's Mortgage Mastery UnveiledWelcome to another enlightening episode of the "Helping Heroes Become Homeowners" podcast, your trusted companion on the journey to unlocking homeownership secrets for veterans and real estate professionals. Our seasoned host, Richard Sarey, with over 25 years of mortgage industry expertise, sits down with Trey Van de Bogart, Vice President of TPO GO, as they delve into the core principles and exceptional services that make TPO GO the preferred choice for mortgage brokers and borrowers alike.Useful Link for Lenders To Bookmark:https://www.benefits.va.gov/warms/pam26_7.asphttps://www.benefits.va.gov/homeloans...2023-11-2424 min
Helping Heroes Become HomeownersEpisode 9: Unlocking Opportunities: A Conversation with VA Underwriter Jami KennedyWelcome to another enlightening episode of the "Helping Heroes Become Homeowners" podcast, your trusted companion on the journey to unlocking homeownership secrets for veterans and real estate professionals. Our seasoned host, Richard Sarey, with over 25 years of mortgage industry expertise, sits down with Jami Kennedy, an adept VA Underwriter, for a deep dive into the underwriting sphere of VA home loans.Jami meticulously unveils critical aspects such as income assessment, qualification criteria, and the extensive benefits associated with VA Home Loans. This episode is tailored to provide a clearer understanding of what underwriting entails for those on...2023-11-0747 min
Helping Heroes Become HomeownersAbilene's Real Estate Potential with VA Loans ft. Jennifer SnodgrassAre you interested in learning about VA loans and how they can help you achieve your homeownership dreams?
Join us in this episode as we delve into the world of VA loans, uncovering common misconceptions, negotiation strategies, and wealth-building opportunities for veterans. Get expert insights on the path to homeownership and financial wisdom, all while exploring Jennifer's inspiring journey into homeownership and community engagement.
Jennifer Snodgrass is a real estate agent/team leader, and she connects well with people from all walks of life. She strives to provide friendly a...2023-11-0141 min
Helping Heroes Become HomeownersReal Estate Market Dynamics and Mortgage Alternatives ft. Donna MagroUnlock the secrets to homeownership with VA loans! Join Richard and Donna in this engaging podcast episode, where you'll discover how to secure the best deal, qualify for loans, and navigate the real estate market. Get ready for expert insights, insider tips, and a clear path to your dream home.
Donna spent nearly three decades specializing in Dallas real estate and cultivating meaningful relationships with her clients. She is a relocation specialist and values being a trusted partner for her clients during their transitions. Her family is very active in dog rescue; they get s...2023-10-1627 minHelping Heroes Become HomeownersListener Q&A: Navigating VA Home Loan EssentialsAre you a service member dreaming of owning your own home?
We're delving deep into the world of VA home loans, your key to unlocking the doors of homeownership. Join us as we explore what a VA home loan is, who qualifies for this fantastic opportunity, and the substantial savings it can bring your way. We'll guide you through the Certificate of Eligibility process, demystify the appraisal process, and unveil cash-out options that extend beyond the Lone Star State. Stick around to discover the credit score requirements, uncover property tax exemptions specific to Texas, a...2023-10-0212 minHelping Heroes Become HomeownersGetting Qualified For a VA IRRRL
Are you a veteran with a mortgage? Have you been making payments on time for the last 12 months? If so, you may qualify to refinance your VA loan and enjoy the many benefits this can offer!
In this episode, Richard discusses the ins and outs of refinancing a VA loan, from the eligibility requirements to the potential savings you could enjoy. He explores how you can reduce your interest rate, lower your payments, and potentially save money each month. Richard also explains why veterans have already qualified for their VA loan w...2023-09-2009 minHelping Heroes Become HomeownersNavigating through the VA Loan ProcessDo you need help with the process of what each entity does in a VA home loan?
This episode focuses on the VA loan application process and the additional information that may be required. Learn how to gather and provide complete details, submit all conditions left in underwriting, and prepare the closing disclosure.
Become a homeowner with your VA home loan entitlement!
[00:00 - 01:28] Opening Segment
[03:57 - 08:42] Finding the Right Loan Officer and Realtor for Your VA Home Loan
2023-09-0116 minHelping Heroes Become HomeownersWhy VA Loans Are a Powerful Tool for VeteransDo you want to know the golden ticket for veterans dreaming of homeownership? Dive deep into the unbeatable benefits of VA loans!
In this episode, Richard discusses the advantages of VA home loans. He'll talk about the lower interest rate than conventional loans, no down payment requirement, and higher approval rate than other loans. Richard will also cover the ability to buy a property with no money down and refinance without having to qualify again. Plus, he'll review the median FICO score for a borrower, average loan amount, and more.
2023-08-1411 minHelping Heroes Become HomeownersUnveiling the Power of VA LoansAre you a veteran looking to purchase a home but need help knowing where to start?
Join Richard as he discusses the many advantages of VA loans and why veterans often overlook them. He dives into the myths that surround VA loans. He reveals why they have a lower denial rate than conventional or FHA loans, better portfolio performance with a lower default rate, and can often be cheaper for the veteran due to closing cost caps. He'll also talk about how putting nothing down doesn't make veterans weak buyers and how they can d...2023-05-1113 minHelping Heroes Become HomeownersDemystifying VA Appraisals for Veteran Home BuyersImagine securing your dream home, only to have the appraisal value come in lower than expected - it's a scenario that can spell disaster, or it can be a hurdle easily navigated if you're equipped with the right knowledge.
In this episode, Richard dives deep into the importance of the VA appraisal process for veterans. He covers how it determines the home's sales price and that there is no difference between a VA appraisal and an FHA appraisal regarding value. Learn about the option to pay the appraisal gap and the important details of a...2023-04-2415 minHelping Heroes Become HomeownersUnlocking Benefits and Debunking Myths of VA LoansDo you want to help our veterans unlock the potential of a VA home loan? Welcome to the first episode of Helping Heroes Become Homeowners! Richard will discuss the benefits of a VA loan and how to qualify and debunk the myths surrounding it. Veterans can purchase a home without a down payment or mortgage insurance with their Certificate of Eligibility. He'll cover what that document is, how to get it, and what credit score you need to get pre-qualified for a VA loan. He'll also discuss all the different factors lenders consider when qualifying an applicant, such as...2023-04-0810 min
You Have PermissionIntegrating Theology & Psychology; Christian Existentialism (#132)Dr. Brad Strawn (Fuller) joins me today for essentially a two-parter. First, we talk about the integration of psychology and theology broadly, including Brad’s own story of coming to that work in particular. After the break, we talk about how a Christian might also be an existentialist in some ways, a field of thought commonly associated with atheism or agnosticism. Finally, Sarey Concepcion, Communications Director for Blueprint 1543, joins me for a brief interview about some very high-quality free courses around psychology and theology that their organization is offering.Blueprint 1543's free courses: theopsych.comBrad's Author Page: https://fullerstudio.fuller.ed...2021-08-301h 39You Have PermissionIntegrating Theology & Psychology; Christian Existentialism (#132)Dr. Brad Strawn (Fuller) joins me today for essentially a two-parter. First, we talk about the integration of psychology and theology broadly, including Brad’s own story of coming to that work in particular. After the break, we talk about how a Christian might also be an existentialist in some ways, a field of thought commonly associated with atheism or agnosticism. Finally, Sarey Concepcion, Communications Director for Blueprint 1543, joins me for a brief interview about some very high-quality free courses around psychology and theology that their organization is offering.Blueprint 1543's free courses: theopsych.comBrad's Author Page: https://fullerstudio.fuller.ed...2021-08-301h 39