Stephen Brock And Derick Brown

Shows

The Brutally Honest Loan Officers: The Unfiltered Mortgage MindsShould Jerome Powell Resign?In this episode of The Brutally Honest Loan Officers Podcast, Stephen Brock and Derick Brown dive into a question that could shake the markets: What happens if Jerome Powell resigns as Chair of the Federal Reserve? This isn’t just a political hot take—it’s a serious conversation about leadership at the top of the economic food chain and how it impacts mortgage rates, homebuyers, and the housing market as a whole. They break down what the FED actually does, how Powell's policies have shaped the market, and what kind of chaos—or opportunity—could follow a sudden c...2025-07-2122 min

The Brutally Honest Loan Officers: The Unfiltered Mortgage MindsDavid Custons on Loyalty, Local Expertise, and Doing Real Estate the Right WayIn this episode of The Brutally Honest Loan Officers Podcast, we sit down with David Custons to talk about what it really means to do real estate the right way. David shares how decades of experience in construction, property management, and home services gave him the foundation to finally step into real estate full-time—when he knew he could truly add value. We dive into the importance of loyalty, why relationships (not just transactions) matter, and what makes South Florida such a unique market. If you value straight talk, local expertise, and long-term thinking in this business, you’ll want...2025-07-1534 min

The Brutally Honest Loan Officers: The Unfiltered Mortgage MindsLet Freedom Ring with The American DreamIn this episode of The Brutally Honest Loan Officers, Derick and Stephen explore what the American Dream really means today — and how homeownership is still one of its most powerful cornerstones. From building equity and gaining tax advantages to creating generational wealth, they break down why owning a home is more than just having a roof over your head. 2025-07-0223 min

The Brutally Honest Loan Officers: The Unfiltered Mortgage MindsTwo Brutally Honest Loan Officers, One Mission: Derick’s BackstoryWhat makes Derick brutally honest? Stephen gets the unfiltered backstory in this episode of truth, grit, and growth. This week, the spotlight flips as Stephen interviews fellow Brutally Honest Loan Officer, Derick. From humble beginnings to building a mortgage career rooted in transparency and grit, Derick shares the mindset, lessons, and defining moments that shaped his brutally honest approach to lending—and life. It’s real talk between two professionals who don’t hold back. 2025-06-2352 min

The Brutally Honest Loan Officers: The Unfiltered Mortgage MindsHurricane Season is HereHurricane season is officially here—and if you're in the mortgage or real estate world, this one’s a must-listen. In this episode, Stephen and Derick break down what every buyer, homeowner, agent, and loan officer needs to know to keep deals on track during storm season. From insurance binding deadlines to home prep checklists and deal-saving tips, we’re giving you the brutally honest truth about how hurricanes impact the mortgage process. Don’t let one storm blow up your closing—get ahead of it now 2025-06-0924 min

The Brutally Honest Loan Officers: The Unfiltered Mortgage MindsIs Florida Really Eliminating Property Taxes?There’s a lot of buzz around Governor DeSantis’ push to overhaul property taxes in Florida—but what’s actually happening, and what’s just talk? In this episode, Derick breaks down the headlines and the real impact behind the proposals. From the $1,000 rebate check to a long-term plan to eliminate property taxes for lifelong residents, we unpack what this could mean for homeowners, the housing market, and the mortgage industry. If you're buying, selling, or just trying to make sense of Florida's tax shake-up, this one's for you. 2025-06-0627 min

The Brutally Honest Loan Officers: The Unfiltered Mortgage MindsReal Talk on Money, Mortgages & Market MovesDive headfirst into the real challenges homeowners and buyers face today. From the rising costs of daily living and how small spending habits (hello, Doordash) can derail homeownership dreams, to what it really means to make your mortgage work for you—this one’s packed with brutally honest advice. 2025-05-2927 min

The Brutally Honest Loan Officers: The Unfiltered Mortgage MindsFrom Surviving the Crash to Thriving in Florida – Brett Boettge’s Real Estate PlaybookIn this episode, Brett Boettge shares his journey from weathering the 2008 housing crash in Wisconsin to establishing a successful real estate career in Florida. He emphasizes the significance of data-driven consulting, high-quality marketing, and building lasting client relationships through programs like the "Happiness Guarantee." Brett also offers advice for new agents on commitment, consistency, and focusing on exceptional client service to build a referral-based business. 2025-05-2050 min

The Brutally Honest Loan Officers: The Unfiltered Mortgage MindsTariffs, Rates & Real Talk with Sheri Nedley: What’s Next for the Mortgage Market?In this episode of The Brutally Honest Loan Officers: The Unfiltered Mortgage Minds, Derick and Stephen are joined by Sheri Nedley, COO of The Mortgage Firm, for a no-BS breakdown of what’s really moving the mortgage market right now. From the ripple effects of tariffs and the Fed’s interest rate decisions to the rise of a potential buyer’s market, they tackle the tough questions: Should you buy now or wait? What’s a “float down” policy and why should your clients care? Plus, Derick and Stephen open up about their own realtor coaching playbook, sharing strategies like the pow...2025-05-1229 min

The Brutally Honest Loan Officers: The Unfiltered Mortgage MindsFrom Corporate to Chlorine: Oscar’s Dive into Pool Service & Small Business GritIn this brutally honest conversation, Stephen and Derick sit down with Oscar, a seasoned entrepreneur who made the bold leap from the corporate world into running a pool service and retail business. They unpack the highs and lows of small business ownership—from managing staff and educating clients to the real challenges of leak detection and hardscaping. Whether you're a homeowner thinking of DIY pool maintenance or a business owner navigating service-based work, this episode pulls back the curtain on what it really takes to stay afloat in a competitive industry. 2025-05-0650 min

The Brutally Honest Loan Officers: The Unfiltered Mortgage MindsHometown Heroes & DPA Programs UncoveredThink you need 20% down to buy a home? Think again. In this episode, we’re diving into one of Florida’s best-kept secrets: the return of the Hometown Heroes Program—offering up to $35,000 in down payment and closing cost assistance. We’ll break down the eligibility requirements, credit score tips, and why so many buyers are missing out on this opportunity. We also talk about other DPA programs like the FL Bond, Essex Fund, Cheona Fund, and local county options that might surprise you. If you're a first-time buyer, veteran, or full-time employee in Flori...2025-05-0218 min

The Brutally Honest Loan Officers: The Unfiltered Mortgage MindsWild Ways to Fund a Down PaymentIn this brutally honest (and highly entertaining) episode, Derick and Stephen dive into the craziest real-life stories of how homebuyers have scraped together money for their down payments. From setting up GoFundMe pages to cashing in on crypto spikes, selling plasma, and even living out of their car—this one is packed with creativity, hustle, and a little bit of madness. Whether you're a first-time buyer or just here for the wild ride, these stories show there’s more than one way to close the deal. Tune in and maybe you’ll find a new (less extreme) idea t...2025-04-2224 min

The Brutally Honest Loan Officers: The Unfiltered Mortgage MindsSpring Market Surge: Why Florida Real Estate Is On FireThe Florida market is heating up—and fast. In this episode of The Brutally Honest Loan Officer Podcast, Derick Brown breaks down what Realtors, buyers, and loan officers need to know right now. From bidding wars to low inventory, it’s game time in the Sunshine State. Learn why affordability is tightening, how to win deals in a competitive market, and what buyers must do before they shop for homes. This one’s short, real, and brutally honest. 2025-04-1419 min

The Brutally Honest Loan Officers: The Unfiltered Mortgage MindsTariffs & Rates: Is the Trade War Hitting Your Mortgage?In this episode of The Brutally Honest Loan Officers, Derick and Stephen break down how international tariffs—yeah, those trade taxes—are impacting mortgage rates in ways most people never consider. From inflation ripple effects to how global negotiations might cool things off, they give you the brutally honest truth about whether this is just a short-term spike or something to watch in the long run. If you're a homebuyer, seller, or just rate-curious, this one's a must-listen. 2025-04-0722 min

The Brutally Honest Loan Officers: The Unfiltered Mortgage MindsThey Said What?! Tackling the Top 10 First-Time Homebuyer ConcernsFirst-time buyers are freaked out—and honestly, we get it. In this episode of The Brutally Honest Loan Officers: The Unfiltered Mortgage Minds, Stephen and Derick break down the top 10 concerns they hear every day from nervous first-time homebuyers—and deliver the truth, straight up. From the 20% down payment myth to “I’ll wait for the market to crash,” we tackle the fears, explain the facts, and give you real-world advice to move forward confidently. Whether you're buying your first home, helping someone who is, or you're a loan officer learning how to educate your clien...2025-04-0441 min

The Brutally Honest Loan Officers: The Unfiltered Mortgage MindsBuying New Construction: The Hidden Truth Behind the ShineNew construction sounds like a dream—brand new everything, no bidding wars, and builder incentives galore. But beneath that fresh paint and granite countertops are some serious details buyers must understand before signing on the dotted line. In this episode of The Brutally Honest Loan Officers Podcast, Stephen and Derick pull back the curtain on buying new construction. From builder lender traps to costly upgrades, delayed timelines, and must-do inspections—we break it all down with our no-BS approach. 2025-03-2429 min

The Brutally Honest Loan Officers: The Unfiltered Mortgage MindsDon’t Piss Off Your Loan Officer!🚨 Want to keep your loan officer happy (and your home purchase on track)? Then DON’T make these mistakes! 🚨 In this brutally honest (and hilarious) episode, Derick and Stephen break down the biggest things that drive loan officers insane—from chasing low rates without understanding the real cost to making huge financial moves at the worst possible time. 👉 Why that “too good to be true” interest rate will cost you thousands 👉 The #1 question to ask when shopping lenders (that most buyers forget!) 👉 Why ghosting your loan officer is the fastest way to torpedo your deal 2025-03-1040 min

The Brutally Honest Loan Officers: The Unfiltered Mortgage MindsFrom Battlefield to Real Estate: Grace Gutierrez Fearless Approach to Real EstateIn this episode of The Brutally Honest Loan Officers Podcast, Derick and Stephen sit down with Grace Gutierrez, a Realtor with an impressive background. From serving in the Army to working at the Social Security Administration, Grace brings a no-nonsense approach to real estate. She shares her journey into full-time real estate, her fearless attitude towards tough transactions, and even recounts the story of selling a home for a client who was serving time in prison. Tune in to hear how Grace's diverse experience helps her navigate the most challenging deals with confidence and integrity!. 2025-03-0543 min

The Brutally Honest Loan Officers: The Unfiltered Mortgage MindsHow Much Home Should You Buy?Just because you can afford a certain home doesn’t mean you should buy it. In this episode of The Brutally Honest Loan Officers Podcast, we break down the difference between what you qualify for and what’s actually comfortable for your budget and lifestyle. We cover the 28/36 rule, the hidden costs of homeownership, how interest rates impact affordability, and why buying at the top of your budget isn’t always the best move. Before you sign that mortgage, listen in and make sure you’re setting yourself up for long-term financial success! 2025-02-2429 min

The Brutally Honest Loan Officers: The Unfiltered Mortgage MindsTax Season & Home Buying: Are You Setting Yourself Up for Success?It’s tax season! But are you making the right financial moves to set yourself up for homeownership? In this episode of The Brutally Honest Loan Officer Podcast, Stephen and Derick break down how tax returns impact your ability to qualify for a mortgage—especially if you're self-employed. They’ll cover the do’s and don’ts of income reporting, tax deductions, and how to use your tax refund strategically. Whether you're a W-2 employee or a 1099 contractor, this episode is packed with insights to help you navigate tax season like a pro! 2025-02-1720 min

The Brutally Honest Loan Officers: The Unfiltered Mortgage MindsInsurance Secrets Unlocked: What Every Homeowner Should Know with Public Adjuster James CoyneIn this episode of The Brutally Honest Loan Officers: The Unfiltered Mortgage Minds, Derick and Stephen sit down with James Coyne, a seasoned Public Adjuster who once worked for one of the biggest insurance companies in Florida before switching sides to advocate for homeowners. With 5 years of experience and thousands of claims under his belt, James shares insider tips on how to navigate the complex world of property insurance. From common mistakes homeowners make when filing claims to how natural disasters impact policies, this episode is a must-listen for homeowners, real estate professionals, and loan officers alike. 2025-02-1148 min

The Brutally Honest Loan Officers: The Unfiltered Mortgage MindsThe Good, The Bad & The Rent: Tere Alvarez on Residential ManagementIn this episode, we get Brutally Honest with Tere Alvarez, a seasoned residential manager, to dive into the challenges and insights of managing residential properties. From market trends to tenant relations, Tere shares valuable perspectives that every real estate professional needs to hear. Don't miss this one! 🎙️🏡 #BrutallyHonest #RealEstate #PropertyManagement #Podcast 2025-02-0447 min

The Brutally Honest Loan Officers: The Unfiltered Mortgage MindsJanuary Recap & Spring 2025 Forecast: What’s Next for Buyers, Sellers, and Rates?As January 2025 winds down, Derick and Stephen take a deep dive into the key trends shaping the housing and mortgage markets. In this episode of The Brutally Honest Loan Officers, they explore: Why mortgage rates are staying near 7% and how that impacts buyers The ongoing home shortage of 4.5 million properties and its effect on prices Slowing home price appreciation in 2025—what buyers and sellers should know Changes in buyer demographics: The rise of multigenerational homes and all-cash purchases New tech in real estate: How AI, blockchain, and borrower portals are streamlining the process What’s next for spring 2025: Regi...2025-01-3029 min

The Brutally Honest Loan Officers: The Unfiltered Mortgage MindsWhat The Title? With Jillian Montague of Core Titlen this episode of "The Brutally Honest Loan Officers: The Unfiltered Mortgage Minds," hosts Derick and Stephen sit down with his "sister from another mister," Jillian Montague, Director of Business Development at CoreTitle. With over a decade of experience in the title industry, Jillian brings a wealth of knowledge and a personal touch to the conversation. They'll delve into the intricacies of title insurance, share stories from the field, and discuss how CoreTitle's commitment to competence and hospitality sets them apart in the industry. Don't miss this engaging and informative chat with one of the leading professionals in the...2025-01-2159 min

The Brutally Honest Loan Officers: The Unfiltered Mortgage MindsMeet Guardian Angel Inspections: Raising the Standard in Home Inspections!In this heartfelt episode of The Brutally Honest Loan Officers, Derick and Stephen sit down with Ricky and Jessica Smith, the inspiring founders of Guardian Angel Inspections. From a family tragedy to creating a business that serves and protects families, the Smiths share their incredible journey. They discuss the importance of home inspections, the hidden risks they uncover, and why their personal story fuels their passion for keeping homeowners safe. It’s an episode full of resilience, family values, and practical tips for homebuyers and sellers alike. 2025-01-1340 min

The Brutally Honest Loan Officers: The Unfiltered Mortgage MindsJames Hackman’s Cold Call SuccessIn this episode of “The Brutally Honest Loan Officers: The Unfiltered Mortgage Minds,” Derick and Stephen sit down with James Hackman, a rising star in real estate who skyrocketed to success after getting licensed in 2021. James shares how his fearless approach to cold calling landed him a $3 million deal and the strategies he uses to stay consistent and motivated in a competitive industry. From building rapport with clients to overcoming rejection, James offers invaluable insights for anyone looking to level up their real estate game. Don’t miss this inspiring story of grit, determination, and making things happen! 2025-01-0651 min

The Brutally Honest Loan Officers: The Unfiltered Mortgage MindsGoals for 2025 – Write It, Achieve It!In this reflective and forward-focused episode of The Brutally Honest Loan Officers: The Unfiltered Mortgage Minds, Derick Brown and Stephen Brock dive into the power of goal-setting just days before the new year. They explore why writing down your goals can increase your chances of success by 42%, backed by compelling research. The duo shares their own wins and lessons from 2024, including Stephen’s goal reflections and Derick’s journey of building diverse referral partnerships. Whether it’s crushing professional milestones, improving personal habits, or leveling up in 2025, this episode provides actionable tips to turn aspirations into achievements. Tune i...2024-12-3127 min

The Brutally Honest Loan Officers: The Unfiltered Mortgage Minds2025 Mortgage Market Forecast: What Every Homebuyer and Loan Officer Should Known this episode of The Brutally Honest Loan Officers: The Unfiltered Mortgage Minds, Derick and Stephen take out their crystal ball to forecast the mortgage landscape for 2025. From economic shifts and interest rate trends to housing inventory and homebuyer demand, they tackle the key factors shaping the industry. Will rates stabilize? Will inventory challenges ease? What trends should loan officers and homebuyers prepare for? Tune in to hear their brutally honest insights, predictions, and strategies to stay ahead in a rapidly evolving market. 2024-12-2424 min

The Brutally Honest Loan Officers: The Unfiltered Mortgage MindsMastering the Chaos: Inside the Life of a Transaction Coordinator with Kerry StaffordIn this episode of The Brutally Honest Loan Officers: The Unfiltered Mortgage Minds, we’re joined by the one and only Kerry Stafford — founder of Paperchain Transactions, and the ultimate transaction coordinator (T.C.) powerhouse. From managing deadlines to taming paperwork madness, Kerry shares how she keeps real estate deals on track and agents sane. Hosts Derick and Stephen dig deep with Kerry on what it really means to be a T.C., how she balances it all, and how modern technology is shaping the future of real estate transactions. Ever wonder what happens behind the scenes of a...2024-12-1751 min

The Brutally Honest Loan Officers: The Unfiltered Mortgage MindsChristine Wilson: The Catalyst for The Brutally Honest Loan Officer PodcastIn this episode of The Brutally Honest Loan Officer Podcast, Stephen Brock and Derick Brown welcome the incredible Christine Wilson—a mentor, coach, and the inspiration behind this very podcast! Christine has been a dedicated Mortgage Advisor with The Mortgage Firm for over 17 years, growing her business across multiple states and earning over 1,000 5-star reviews. As a Master Coach and leader in the mortgage industry, Christine shares how she helped Stephen and Derick launch the podcast during their time in her coaching program. She also dives into her journey, favorite client success stories, and advice for thriving in...2024-12-0948 min

The Brutally Honest Loan Officers: The Unfiltered Mortgage MindsDon’t Delay Your Closing: How to Avoid Homebuying PitfallsIn this episode of The Brutally Honest Loan Officers, Derick and Stephen tackle the critical factors that can derail your home closing—and how to sidestep them. From financial missteps and appraisal challenges to title issues and documentation delays, they share insider tips to keep your homebuying journey on track. Whether you’re a first-time buyer or a seasoned homeowner, this episode is packed with practical advice to ensure a smooth and timely closing. Don’t let avoidable mistakes cost you your dream home—tune in now! 2024-12-0630 min

The Brutally Honest Loan Officers: The Unfiltered Mortgage MindsGratitude in Life and Business: A Thanksgiving SpecialWelcome to a heartfelt episode of The Brutally Honest Loan Officer Podcast! With Thanksgiving around the corner, Stephen and Derick dive into the power of gratitude in life, work, and the ever-evolving mortgage industry. In this episode, they share personal reflections on thankfulness—family, health, and the relationships that make the grind worthwhile. From meaningful client connections to exciting opportunities for growth, this conversation will inspire you to embrace a mindset of gratitude in every aspect of your journey. Don’t miss this chance to pause, reflect, and celebrate the things that truly matter. Like, subs...2024-11-2714 min

The Brutally Honest Loan Officers: The Unfiltered Mortgage MindsTime Blocking Secrets: Master Productivity as a Loan Officer!Struggling to stay productive and end your day feeling accomplished? In this episode of The Brutally Honest Loan Officer Podcast, we’re diving deep into time blocking—the ultimate tool to organize your day, crush your goals, and create balance in your life. 💡 What you’ll learn: How to create a "perfect week" tailored to your personal and professional goals The importance of color-coding your calendar for clarity and focus Strategies to balance family, work, and prospecting effectively Real-world examples of how Stephen and Derek use time blocking to maximize success Whether you're a loan officer...2024-11-1825 min

The Brutally Honest Loan Officers: The Unfiltered Mortgage MindsFrom Agent to COO: Jonathan Lickstein on Building Real Estate SuccessIn this episode of The Brutally Honest Loan Officer Podcast, Stephen Brock and Derek Brown sit down with Jonathan Lickstein, COO of LoKation Real Estate. Jonathan shares his unconventional journey from the Caribbean to COO, insights into building a solid support team in real estate, and tips for preparing your business for 2025. From busting industry myths to sharing personal stories of resilience, this episode is packed with wisdom for anyone in the real estate industry. Tune in to learn how to build a winning team that ensures client satisfaction and long-term success. 2024-11-1445 min

The Brutally Honest Loan Officers: The Unfiltered Mortgage MindsTop 10 Mortgage Myths Debunked: What You Need to Know!Are you navigating the mortgage process and unsure what's fact or fiction? In this episode of The Brutally Honest Loan Officers Podcast, we debunk the top 10 mortgage myths that could be holding you back. From the belief that you need 20% down to misconceptions about pre-approvals and student loans, we set the record straight so you can move forward with confidence. Don't let misinformation keep you from achieving homeownership! 2024-11-0440 min

The Brutally Honest Loan Officers: The Unfiltered Mortgage MindsSeller Credits Explained: How Buyers Can Save Big on Closing Costs!Wondering what seller credits are and how they can help reduce your out-of-pocket expenses when buying a home? In this episode of 'The Brutally Honest Loan Officers,' Stephen and Derick break down everything you need to know about seller credits, how they’re negotiated, and why they’re making a comeback. Learn how you can use seller credits to buy down interest rates, cover closing costs, and get the most out of your home purchase. Plus, we share real examples of how buyers are benefiting in today’s market. 2024-10-2823 min

The Brutally Honest Loan Officers: The Unfiltered Mortgage MindsThe Election and What it means for Home Buyers & SellersIn this episode of "The Brutally Honest Loan Officers," Derick and Stephen discuss how the upcoming presidential election impacts the real estate market for buyers and sellers. They explore how uncertainty around policies and potential shifts in economic stability lead many potential buyers to hold off until after the election. They also review stats on buyer behavior, the potential impact of housing plans (e.g., down payment assistance), and how factors like supply, demand, and interest rates will be influenced. Their key advice? Stay informed and make decisions based on your personal situation. 2024-10-2122 min

The Brutally Honest Loan Officers: The Unfiltered Mortgage MindsHurricanes Suck!!!In this episode of The Brutally Honest Loan Officer Podcast, Derick and Stephen return after a brief hiatus due to Hurricane Helene and Milton hitting Florida. They share their personal experiences with the storm and express their support for those affected. The hosts dive into practical storm preparation tips for homeowners and renters, emphasizing the importance of documenting your property before a storm for potential insurance claims. They also provide a comprehensive hurricane prep checklist, covering everything from securing your home and assembling a supply kit to protecting your roof and preparing for power outages. ...2024-10-1522 min

The Brutally Honest Loan Officers: The Unfiltered Mortgage MindsBuilding Real Estate Success: Coaching, Innovation & Value with Dan DemottIn this episode of The Brutally Honest Loan Officer Podcast, we chat with real estate coach and entrepreneur Dan Demott. From starting his real estate journey in South Florida to building a team that closed over 128 transactions a year, Dan shares the key strategies that fueled his success and his passion for coaching agents across the country. We dive deep into the evolving real estate landscape, including the impact of the recent NAR settlement, and how agents can stay competitive through innovation and delivering unparalleled value to clients. What You’ll Learn in This Episode: Dan’s jo...2024-09-3050 min

The Brutally Honest Loan Officers: The Unfiltered Mortgage MindsBeing Brutally Honest with Ricky CarruthOn this episode of The Brutally Honest Loan Officer Podcast, we are thrilled to welcome real estate superstar Ricky Carruth. Ricky shares his raw and unfiltered journey from a college dropout to becoming a top real estate agent and coach. Known for his "relationships over transactions" philosophy, Ricky dives deep into why building genuine connections is the key to success in real estate—and how this approach helped him survive the 2008 market crash and come back stronger than ever. We also discuss the recent NAR commission settlement and how Ricky believes it could reshape the industry (for th...2024-09-241h 11

The Brutally Honest Loan Officers: The Unfiltered Mortgage MindsWHO the Heck is the FED? and When will they Lower the Rates?In this episode of "The Brutally Honest Loan Officers: The Unfiltered Mortgage Minds," Stephen and Derick demystify the Federal Reserve. They break down what exactly the Fed does, why they’re such a big deal, and how their decisions affect your mortgage rates. Spoiler alert: the Fed doesn't set mortgage rates directly, but their moves ripple across the economy. The big question everyone’s asking is, “When will they lower rates?” Tune in as Stephen and Derick offer brutally honest insights into what’s really driving the Fed's decisions and how you can plan ahead for when rates may finally dr...2024-09-1621 min

The Brutally Honest Loan Officers: The Unfiltered Mortgage MindsUnfiltered Talk with Holly Meyer LucasIn this episode, Stephen Brock and Derek Brown sit down with the dynamic Holly Meyer Lucas, a Real Estate Baddie, Leader, and Hype Boss, to discuss the evolving real estate landscape. Holly shares her journey into real estate, starting from a pivotal moment in her life when she transitioned from the corporate world to building a powerhouse real estate team. The conversation touches on her strategies for success, the importance of personal branding, and how to stand out in a crowded industry. Holly gives candid insights on market changes, real estate agent best practices, and the value of coaching...2024-09-101h 21

The Brutally Honest Loan Officers: The Unfiltered Mortgage MindsSAVING & SPENDING (The Dos and Don’ts)Stephen and Derick discuss the critical impact of saving and spending habits on your financial health and credit score. Derick shares a cautionary tale about a buyer, "Jill," who misunderstood key financial concepts like credit utilization and balance transfers. They break down the consequences of late payments, improper use of credit, and the pitfalls of relying on potential student loan forgiveness. The episode underscores the importance of saving over spending on unnecessary wants and how creating better financial habits can significantly improve your credit score. By the end, listeners will understand how saving just $193 a week can lead to $10,000...2024-09-0332 min

The Brutally Honest Loan Officers: The Unfiltered Mortgage MindsAdvice for Loan OfficersIn this episode of the Brutally Honest Loan Officer Podcast, Stephen and Derick share practical tips for loan officers to succeed in any market, especially challenging ones. They emphasize the importance of tracking leads, staying organized by monitoring weekly activities, and maintaining detailed lists of realtors, VIPs, and clients. They also discuss the necessity of knowing loan programs inside and out, but stress that regular communication with clients and partners is key. The hosts offer actionable advice on time management, setting goals, and asking the right questions to recommend the best loan programs. Tune in for expert guidance on...2024-08-2627 min

The Brutally Honest Loan Officers: The Unfiltered Mortgage MindsRealtor Success with Shannon RivaIn this episode of "The Brutally Honest Loan Officers: The Unfiltered Mortgage Minds," Derick and Stephen sit down with Shannon Riva, a dynamic realtor with Coldwell Banker, to dive into the world of real estate and beyond. Shannon shares her journey into the real estate industry, juggling her roles as a mom, wife, and successful realtor, and dishes on her favorite aspects of the job. The conversation gets candid as they discuss market trends, pricing strategies, and the challenges realtors face today. Plus, a surprise question about aliens kicks off the interview, adding a fun twist to this insightful...2024-08-1942 min

The Brutally Honest Loan Officers: The Unfiltered Mortgage MindsHow Quickly Can You Get Pre-Approved and Under Contract?In this episode of The Brutally Honest Loan Officers: The Unfiltered Mortgage Minds, Derick and Stephen dive into the speed and efficiency of getting pre-approved and under contract for a home. Derick shares a recent experience where a couple went from loan application to being under contract in just 15 hours. The duo emphasizes the importance of submitting all necessary documents promptly to expedite the pre-approval process. They discuss what documents are needed for both W-2 employees and self-employed borrowers, highlighting the potential pitfalls of working with online lenders who may not provide accurate pre-approvals. The episode wraps up with...2024-08-1228 min

The Brutally Honest Loan Officers: The Unfiltered Mortgage MindsRealtor Success With Shannon Burrows: Finding Purpose: The Intersection of Passion and PainIn this compelling episode of "The Brutally Honest Loan Officers: The Unfiltered Mortgage Minds," we sit down with Shannon Burrows, a dynamic realtor with an inspiring journey. Shannon shares her story of growing up in East Aurora, NY, and transitioning to the sunny lifestyle of Palm Beach Gardens, FL. Following in her mother's footsteps, Shannon has carved out a successful career in real estate, driven by her passion for helping others. The conversation takes a poignant turn as Shannon opens up about her battle with breast cancer in 2017. She reveals how this life-changing experience led her to...2024-08-0633 min

The Brutally Honest Loan Officers: The Unfiltered Mortgage MindsUnlocking Homeownership with Non-QM MortgagesIn this episode of “The Brutally Honest Loan Officers: The Unfiltered Mortgage Minds,” Stephen and Derick explore the world of Non-QM (Non-Qualified Mortgage) loans. They break down various Non-QM options such as bank statement loans, investor cash flow mortgages, 1099 income loans, and more. Discover how these flexible mortgage solutions cater to the unique needs of self-employed individuals, freelancers, investors, and even foreign nationals. Whether you're struggling with traditional income verification or looking to expand your investment portfolio, this episode has the insights you need. 2024-07-2923 min

The Brutally Honest Loan Officers: The Unfiltered Mortgage MindsVA Loans Explained: Unlocking Benefits for Veterans and Service MembersIn this episode of “The Brutally Honest Loan Officers: The Unfiltered Mortgage Minds,” hosts Stephen Brock and Derick Brown dive into the incredible benefits of VA Home Loans for veterans and active military members. They explain why VA loans are often considered the best in America, highlighting key advantages such as zero down payment, no mortgage insurance, and higher chances of approval for those with higher debt-to-income ratios. The hosts clarify eligibility criteria, discuss the concept of entitlement, and dispel common misconceptions about VA loans. Tune in to learn how VA loans can be a game-changer for veterans looking to p...2024-07-2227 min

The Brutally Honest Loan Officers: The Unfiltered Mortgage MindsHomeowners Insurance with Kris AllanIn this episode of "The Brutally Honest Loan Officers: The Unfiltered Mortgage Minds," Derick and Stephen dive into the intricacies of homeowners insurance with special guest Kris Allan from Brightway Insurance. Kris shares his expertise on the basics of homeowners insurance, essential coverages for Florida residents, and the impact of living in Florida on insurance rates. The discussion also covers hurricane coverage, flood insurance, factors influencing insurance costs, discounts, and tips for filing claims. Kris provides invaluable advice for first-time homebuyers and highlights common mistakes to avoid when it comes to insurance. Tune in to gain a comprehensive understanding...2024-07-1647 min

The Brutally Honest Loan Officers: The Unfiltered Mortgage MindsWhat is PMI and How Long Do I Have to Pay It?In this episode of "The Brutally Honest Loan Officers," Derick and Stephen break down everything you need to know about Private Mortgage Insurance (PMI). They explain why PMI is required when you put less than 20% down on a home, how much it typically costs, and the differences between PMI for Conventional Loans and Mortgage Insurance Premiums (MIP) for FHA loans. Derick and Stephen also discuss how long you need to pay PMI and ways to potentially remove it earlier. Tune in to get the facts and tips to navigate your mortgage more effectively. Listen on Apple: https...2024-07-0815 min

The Brutally Honest Loan Officers: The Unfiltered Mortgage MindsAimee Lee Lucas - Realtor SuccessIn this episode of "The Brutally Honest Loan Officers" Derick and Stephen sit down with Aimee Lee Lucas, a top real estate agent in Knoxville, TN. Aimee shares her journey from growing up in a real estate family in California to becoming a successful realtor in Knoxville. She dives into her unique approach to the market, favorite real estate stories, and the evolving landscape of the industry. Aimee also discusses her strategies for balancing motherhood with a thriving career and offers invaluable advice for aspiring realtors. Tune in for an insightful conversation packed with tips on navigating the real...2024-07-0352 min

The Brutally Honest Loan Officers: The Unfiltered Mortgage MindsMarisa Falk - Realtor SuccessIn this episode, Derick and Stephen sit down with Marisa Falk, a dynamic real estate agent whose unique background brings a fresh perspective to the industry. Marisa shares her journey from collegiate soccer star to elementary school teacher and finally to a successful real estate career, highlighting how each experience has shaped her approach to helping families find their dream homes. The conversation delves into Marisa's favorite aspects of being a realtor, her most memorable real estate stories, and her insights on market trends. She also opens up about balancing her career with being a mother of four and...2024-06-2531 min

The Brutally Honest Loan Officers: The Unfiltered Mortgage MindsUnlocking Homeownership: Hometown Heroes and Downpayment Assistance in FloridaIn this eye-opening episode of "The Brutally Honest Loan Officers: The Unfiltered Mortgage Minds," hosts Stephen and Derick dive into the exciting news for Florida homebuyers—the reopening of the Hometown Heroes Loan program and the latest downpayment assistance opportunities. Tune in as they break down how these programs can help you achieve your dream of homeownership, the eligibility requirements, and the steps to take advantage of these incredible benefits. Whether you're a first-time buyer, a veteran, or a local hero, this episode is packed with essential information to get you closer to your new home. Don't miss out on...2024-06-1925 min

The Brutally Honest Loan Officers: The Unfiltered Mortgage MindsRealtor Success with Tammy AgniniIn this episode of “The Brutally Honest Loan Officers: The Unfiltered Mortgage Minds,” hosts Stephen and Derick sit down with the dynamic and successful realtor, Tammy Agnini. Tammy shares her journey from a rookie agent to a top performer in the real estate market. She discusses the key strategies and mindsets that have driven her success, including the importance of building strong client relationships, staying resilient in a competitive industry, and continually adapting to market changes. 2024-06-1049 min

The Brutally Honest Loan Officers: The Unfiltered Mortgage MindsNavigating June's Market and Contract ContingenciesStephen Brock and Derick Brown provide a comprehensive update on the current real estate market as we hit the midpoint of the year. They discuss significant trends such as rising home prices, increased sales activity, and the ongoing demand fueled by Florida's population growth. The hosts also dive into the critical topic of contingencies in real estate contracts, explaining various types like financing, inspection, and appraisal contingencies. Whether you're a seasoned homeowner or a first-time buyer, this episode offers valuable insights to help you navigate today's market and understand the importance of contingencies in protecting your real estate investments...2024-06-0338 min

The Brutally Honest Loan Officers: The Unfiltered Mortgage MindsTitle Talk: Navigating Homeownership OptionsIn this episode of The Brutally Honest Loan Officer Podcast, Derick Brown and Stephen Brock break down the essential aspects of holding title to your home. They discuss various title options, such as tenants by the entirety and joint tenancy, highlighting their benefits for legal protection, inheritance planning, tax savings, and more. Whether you're a new homeowner or looking to optimize your property ownership, this episode will help you understand how different title choices can impact your financial and personal goals. Tune in for a straightforward, insightful guide to making the best decisions for your home. 2024-06-0324 min

The Brutally Honest Loan Officers: The Unfiltered Mortgage MindsCo-signing a Mortgage: Financial Lifeline or Liability? Co-signing for a mortgage can help improve loan approval chances and secure better terms, but it comes with significant financial risks and potential credit impact for the co-signer. This episode of "The Brutally Honest Loan Officers: The Unfiltered Mortgage Minds" breaks down the pros and cons, offering crucial insights for anyone considering this decision. Tune in to understand the responsibilities and make an informed choice about co-signing a mortgage. Don’t miss it! 2024-05-2123 min

The Brutally Honest Loan Officers: The Unfiltered Mortgage MindsThe Investor's Edge: Smart Financing & Managing Investment PropertiesIn this episode, hosts Derick and Stephen dive into the world of investment properties, offering a wealth of insights for both seasoned investors and newcomers. They start by addressing the challenges of financing investment properties, emphasizing the importance of a solid down payment and strategies like leveraging equity from existing properties. The discussion then shifts to property management, weighing the pros and cons of DIY management versus hiring a property management company. Location, they stress, is crucial—choosing areas with strong rental demand can significantly impact your investment's success. The duo also highlights the importance of...2024-05-2037 min

The Brutally Honest Loan Officers: The Unfiltered Mortgage MindsDown Payments: How much do you really need?In this episode of "The Brutally Honest Loan Officers: The Unfiltered Mortgage Minds," hosts Stephen and Derick explore the crucial topic of down payments for homebuyers. 2024-05-0630 min

The Brutally Honest Loan Officers: The Unfiltered Mortgage MindsLoan Officer Lowdown: Your Questions, Our Answers! In this episode, Derick and Stephen discuss the importance of networking, even for those who are a bit shy about it. They'll share personal stories and tips on overcoming the fear of public speaking, emphasizing how crucial communication is in building a successful career. They also delve into whether focusing on niche loan products or sticking to the basics like Conventional and FHA loans is more advantageous for a budding loan officer. Our hosts will also tackle the effectiveness and tracking of advertising on platforms like Google and Facebook, providing insight into budget-friendly marketing strategies. Lastly, they...2024-04-2943 min

The Brutally Honest Loan Officers: The Unfiltered Mortgage MindsCondos, Condos, Condos- What is going on?!In this episode of "The Brutally Honest Loan Officers: The Unfiltered Mortgage Minds," Stephen and Derick explore the ins and outs of condo living. They discuss the pros and cons of buying a condo. Additionally, they provide essential insights on the mortgage process for condos, highlighting how it differs from financing single-family homes. This episode is a must-listen for anyone considering a move into a condo or seeking to understand more about the condo market. Tune in to make sure you’re fully informed before making such a significant decision. 2024-04-2240 min

The Brutally Honest Loan Officers: The Unfiltered Mortgage MindsWhat's Happening in the Mortgage Rate World?In this pivotal episode of "The Brutally Honest Loan Officers: The Unfiltered Mortgage Minds," hosts Stephen and Derick dive into the complex dynamics of the 2024 mortgage market. They explore the current state of mortgage rates, which are showing signs of fluctuation. The duo discusses the impact of economic indicators like inflation and Federal Reserve policies on these rates, shedding light on how these factors interplay to shape borrowing costs. They also tackle buyer and seller behaviors influenced by rate changes, including the significant 'mortgage rate lock-in' effect, and the legislative efforts aimed at making home buying more accessible. This...2024-04-1627 min

The Brutally Honest Loan Officers: The Unfiltered Mortgage MindsCredit Scores when Buying a HomeUnlocking the Doors to Homeownership," Stephen and Derick dive deep into the critical role credit scores play in the home buying process. They unpack how a credit score can significantly impact your ability to secure a mortgage, affect your interest rates, and ultimately, influence the overall cost of purchasing a home. Through a blend of expert insights and practical tips, they guide listeners on how to understand, improve, and leverage their credit scores for better loan terms. Whether you're a first-time homebuyer or looking to refinance, this episode sheds light on the often-overlooked aspects of credit scores, providing valuable...2024-04-0939 min

The Brutally Honest Loan Officers: The Unfiltered Mortgage MindsHOA Havens or HeadachesIn this eye-opening episode of "The Brutally Honest Loan Officers: The Unfiltered Mortgage Minds," we dive deep into the intricacies of buying or selling a home within a Homeowners Association (HOA) community. Our hosts, the candid mortgage lenders from The Mortgage Firm, unpack the bag of mixed blessings that HOAs bring to the table. From maintaining property value and providing access to upscale amenities to the potential financial burdens of fees, assessments, and the limitations on personal freedoms due to strict community rules, this episode covers it all. Listeners will gain insight into the pros, such as...2024-04-0232 min

The Brutally Honest Loan Officers: The Unfiltered Mortgage MindsFirst-Time HomebuyersDiving into the world of home ownership? "First-Time Homebuyer Tips: Navigating the Purchase Process" is your ultimate guide! Join Derick and Stephen, your brutally honest loan officers, as they unravel the mysteries of mortgages, down payments, and everything in between. Whether you're deciphering pre-approvals or strategizing on making an offer, this episode is packed with insider knowledge to empower your journey to the front door of your dream home. Don't navigate this path alone; let "The Unfiltered Mortgage Minds" illuminate the way with essential advice and tips. Click play now to transform confusion into confidence in your home-buying adventure!2024-03-2546 min

The Brutally Honest Loan Officers: The Unfiltered Mortgage MindsDebunking Home Buying MythsIn episode 16 of "The Brutally Honest Loan Officers: The Unfiltered Mortgage Minds," Derick and Stephen tackle the pervasive myths surrounding home buying, debunking common misconceptions to provide listeners with a clearer understanding of the real estate process. They discuss why a perfect credit score isn't necessary to buy a home, the reality of down payments which can be as low as 3.5%, and the often overlooked benefits of renting. The hosts challenge the seasonal myth of spring being the best time to buy, highlight the additional upfront costs beyond the down payment, and explain the significance of the debt-to-income ratio...2024-03-1943 min

The Brutally Honest Loan Officers: The Unfiltered Mortgage MindsIs it ever a good idea to rent?🏠✨ Is Renting Really Worth It? Dive into the Great Debate with us on this episode of The Brutally Honest Loan Officers Podcast. Derick and Stephen break down the myths and truths about renting versus buying, sharing personal experiences and professional insights that might just change the way you think about your next move. Whether you're a free spirit craving flexibility or someone eyeing the long-term gains of homeownership, this episode has something for everyone. Tune in to make your next big decision an informed one. 🎧💼 #RentOrBuy #RealEstateTalk" 2024-03-1225 min

The Brutally Honest Loan Officers: The Unfiltered Mortgage MindsThe Power of Networking In this engaging episode of "The Brutally Honest Loan Officers: The Unfiltered Mortgage Minds," hosts Derick Brown and Stephen Brock dive deep into the invaluable world of networking. With a mix of humor and personal anecdotes, they share how building relationships within Realtor Associations, local Chamber of Commerce, BNI, and other groups has been crucial to their success in the mortgage industry. Tune in to "The Power of Networking" episode for an honest, unfiltered look at the strategies that have allowed these loan officers to thrive in a competitive industry. It's a must-listen for anyone lo...2024-03-0419 min

The Brutally Honest Loan Officers: The Unfiltered Mortgage MindsNavigating the Future: The Fed's Impact on Home BuyingStephen and Derick tackle the intricate dance between the Federal Reserve's policies and the home buying process. "Navigating the Future: The Fed's Impact on Home Buying" delves into how the Fed's rate decisions influence mortgage rates, and consequently, buyers' decisions in the housing market. Despite a common misconception, it's not the Fed that directly sets mortgage interest rates; it's inflation's interplay with Fed rate adjustments that buyers should watch. This episode breaks down the federal funds rate, its ripple effects on borrowing costs, and what this means for both current and prospective homeowners. 2024-02-2623 min

The Brutally Honest Loan Officers: The Unfiltered Mortgage MindsI Bought a Home, Now What?In this eye-opening episode, Derick and Stephen tackle the often overlooked aspects of post-home purchase life. From the importance of rebuilding your savings and setting up an emergency fund, to creating a home maintenance schedule that could save you thousands down the line. Plus, they share insider tips on upgrades that pay off, annual policy reviews, and why getting involved in your neighborhood isn't just good for your social life but for your investment too. 🛠️ Key Takeaways: Emergency Fund: Why it's your new best friend. Maintenance Schedule: The checklist you didn't know you needed. Smart Upgrades: Inves...2024-02-2130 min

The Brutally Honest Loan Officers: The Unfiltered Mortgage MindsThe Myth, the Legend, the CEO: A Candid Conversation with Brett LindquistIn this groundbreaking episode of the Brutally Honest Loan Officer Podcast, hosts Stephen Brock and Derick Brown sit down with the legendary Brett Lindquist, CEO of The Mortgage Firm, for an enlightening and entertaining conversation. From his days as an FSU superstar and 2022 inductee into the FSU Business Hall of Fame to the helm of one of Florida's premier mortgage companies, Brett shares the journey, the vision, and the innovative strategies propelling The Mortgage Firm forward. Tune in as we kick off with our signature icebreaker – Brett's take on aliens – and dive deep into the origins of The Mortgage Firm...2024-02-1337 min

The Brutally Honest Loan Officers: The Unfiltered Mortgage MindsIs All Debt Bad?Think all debt is a financial trap? Think again!" Dive into a compelling discussion with Derick Brown and Stephen Brock on the Brutally Honest Loan Officers Podcast. We unravel the myths of 'good debt' versus 'bad debt,' providing insights on how strategic borrowing can actually fuel your financial freedom. This episode is a must-listen for anyone looking to navigate the complexities of debt with confidence. Tune in to transform your perspective on borrowing and investment. 2024-02-0918 min

The Brutally Honest Loan Officers: The Unfiltered Mortgage MindsInsights from the Top: A Conversation with COO Sheri Nedley" Join us on "The Brutally Honest Loan Officers Podcast" as hosts Stephen Brock anJoin us on "The Brutally Honest Loan Officers Podcast" as hosts Stephen Brock and Derick Brown welcome a very special guest, Sheri Nedley, the Chief Operating Officer of The Mortgage Firm. Celebrating her 25 years with the company, Sheri shares her journey and insights into the mortgage industry. 🌟 This episode covers everything from the company's strategies and priorities for the future to how it navigated a challenging economic climate while maintaining profitability. Dive into discussions about the impact of technology on operations, the importance of staying ahead of regulatory changes, and the firm's commitment to exceptional customer service. ...2024-01-2925 min

The Brutally Honest Loan Officers: The Unfiltered Mortgage MindsEpisode 8: "Refinance: When Should You?"Refinancing can seem like a financial puzzle. Is it just about lower rates, or is there more to consider? Join us as we unravel the intricacies of refinancing, from evaluating your current mortgage to understanding market trends. We'll explore the key signs that it's time to refinance, and when it might be better to hold off. Packed with practical advice and real-world scenarios, this episode is a must-listen for homeowners contemplating a refinance decision. Tune in for an insightful, light-hearted conversation that simplifies a complex decision! 2024-01-2321 min

The Brutally Honest Loan Officers: The Unfiltered Mortgage MindsWho the Heck are Derick and Stephen?Dive in deeper into who are the host of The Brutally Honest Loan Officers!!! 2024-01-1121 min

The Brutally Honest Loan Officers: The Unfiltered Mortgage MindsInterest Rates Unveiled: More Than Just NumbersJoin Stephen and Derick on "The Brutally Honest Loan Officers Podcast" as they dive into the ever-evolving world of interest rates. Why do they change, and why should you care? 🤔 This episode unravels the mystery behind interest rate fluctuations, exploring everything from economic conditions to the impact of the bond market and monetary policies. Discover how these rates affect your home buying power, the long-term cost of loans, and the overall housing market. Don't miss this insightful discussion that turns a seemingly dull topic into a captivating conversation. 2024-01-0619 min

The Brutally Honest Loan Officers: The Unfiltered Mortgage MindsGifts Galore: Navigating Family Contributions in Home BuyingThis episode unwraps the often-overlooked topic of using family gifts to fund home purchases. 🎁 🤔 Ever wondered how receiving a financial gift from family can impact your home-buying process? We delve into everything from Fannie Mae's rules on family gifts to tax implications and sourcing requirements. Plus, we'll cover some lesser-known facts about property types and down payments! Tune in for invaluable insights and guidance on smartly navigating family contributions in real estate. Let's make your home-buying journey a gift that keeps on giving! 2023-12-2814 min

The Brutally Honest Loan Officers: The Unfiltered Mortgage MindsBeyond the Conventional: Exploring Alternative Mortgage OptionsThis episode of "The Brutally Honest Loan Officers" is a must-listen for anyone interested in the mortgage industry's less-trodden paths, offering deep insights and practical advice for navigating the complex world of alternative mortgage options. Listen now on Apple Podcasts and Spotify, and don't forget to subscribe for more brutally honest mortgage wisdom! #AlternativeMortgages #BeyondConventional #TheBrutallyHonestLoanOfficers 2023-12-2515 min

The Brutally Honest Loan Officers: The Unfiltered Mortgage MindsHidden Treasures: Uncovering Overlooked Income Sources🎙️ Episode 3: "Hidden Treasures: Uncovering Overlooked Income Sources" Welcome back to another episode of "The Brutally Honest Loan Officer Podcast," where your hosts Stephen Brock and Derick Brown take you on a journey through the lesser-known paths of mortgage qualification. 🌟 📈 Income Qualification 101: Derick starts us off by breaking down how borrowers are qualified based on standard incomes - from full-time salaried employees to those with overtime and part-time workers. It's not just about your salary; it's about understanding the nuances of income calculation. 🧮 💼 Commission and Bonus Income: Stephen then dives into the intricacies of commission and bo...2023-12-1819 min

The Brutally Honest Loan Officers: The Unfiltered Mortgage MindsDebunking Dave Ramsey - Practical or Problematic?🎙️ Episode 2: "Debunking Dave Ramsey - Practical or Problematic?" Join us on "The Brutally Honest Loan Officers: The Unfiltered Mortgage Minds" as we dissect the ever-popular Dave Ramsey financial plan. 🤔 Is following Dave's path the key to financial freedom or a road filled with unrealistic expectations? Let's find out! 🌟 Stephen's Take on Baby Steps: We dive into Dave's famous Baby Steps, from that initial $1,000 emergency fund to the grand finale of wealth building and generosity. Stephen shares his perspective - maybe some steps are out of order, or perhaps there's a better way? Hear firsthand experiences and get rea...2023-12-1134 min

The Brutally Honest Loan Officers: The Unfiltered Mortgage MindsWho Is Fannie, Freddie and Ginnie?🌟 Welcome to a rollercoaster ride through the mortgage universe with your favorite podcast, "The Brutally Honest Loan Officers: The Unfiltered Mortgage Minds!" 🎢 This Episode, we're playing detective and unearthing the secrets of the elusive trio: Fannie Mae, Freddie Mac, and Ginnie Mae. 🕵️‍♂️🔍 Who are they? Financial superheroes? Secret agents of the housing market? Or just complex entities with confusing names? 🦸‍♀️🤷‍♂️ We're here to break it down for you in a way that's more entertaining than your favorite sitcom. In this episode, you'll discover: The 'superpowers' of these mortgage giants. How they keep the wheels of the housing market turning. Why the...2023-12-0514 min