Shows
The Mortgage Reports PodcastHow To Use Home Equity to Buy a Smaller Home and DownsizeIn this episode, mortgage expert Ivan Simental NMLS# 1762746 tackles the topic of downsizing your home and explores the strategic use of home equity to facilitate a seamless transition to a smaller property. Whether you're an empty-nester looking to simplify your lifestyle or someone seeking to optimize your finances, downsizing can offer a range of benefits.Ivan discusses the various options available, including selling your current home, using the equity to make a cash purchase, or utilizing it as a down payment for a new property. Discover the potential financial advantages of downsizing and learn about the important...2023-07-2511 minThe Mortgage Reports PodcastPros and Cons: Waiting for Lower Rates vs. Buying a House NowIn this episode, mortgage expert Arjun Dhingra NMLS# 1166050 dives into one of the most common dilemmas faced by prospective homebuyers and investors: Should you wait for lower interest rates or make a purchase now?Arjun explores the factors that influence this choice and provide valuable perspectives for listeners. Discover the potential risks and rewards associated with timing the market and the advantages and disadvantages of waiting for lower interest rates. Whether you're a prospective homebuyer or an investor, you'll gain practical insights to help you make informed decisions.Learn more about home buying, refinancing and...2023-07-1107 minThe Mortgage Reports PodcastThis is why the housing market has NOT crashed in 2023In this episode, mortgage expert Arjun Dhingra NMLS# 1166050 explores the captivating world of real estate and tackles the burning question on everyone's minds: Why hasn't the housing market crashed?Over the past few years, the housing market has experienced remarkable growth and resilience, defying expectations of a significant downturn. Despite economic uncertainties, rising interest rates, and occasional bubbles in the market, the housing sector has remained steadfast. Join Arjun as he dives into the factors contributing to the housing market's remarkable stability despite economic uncertainties and potential pitfalls. Whether you're a prospective homebuyer...2023-07-0407 minThe Mortgage Reports PodcastHow to Buy and Sell a Home at the Same TimeIn this episode, Mortgage Expert Ivan Simental NMLS# 1762746 dives into the intricacies of buying and selling a home simultaneously, a real estate juggling act that requires careful planning and strategy. Whether you're upgrading, downsizing, or relocating, the challenge of coordinating the sale of your current home with the purchase of a new one can be daunting.Ivan explores the crucial steps involved in successfully managing both sides of the equation, offering valuable insights and practical tips to make your dual transaction a smooth and stress-free experience. He also discusses how to make financing work from different options...2023-06-2707 minThe Mortgage Reports PodcastHow To Set a Budget For Buying a Home | Deciding How Much You Can Really AffordIn this episode, mortgage expert Ivan Simental NMLS# 1762746 delves into the critical task of determining your budget and finding the perfect price range for your dream home. Whether you're a first-time buyer or a seasoned homeowner looking to upgrade, understanding your financial limits and aligning them with your housing aspirations is key to a successful home purchase.Join Ivan as he discusses:The factors that impact how much you can spend on a homeCalculating how much you can actually affordWhat lenders look for when qualifying a mortgageTips to find a comfortable home price range and obtain...2023-06-2010 minThe Mortgage Reports PodcastUsing Home Equity to Start a Business: Tips and ConsiderationsIn this episode, Mortgage Expert, Ivan Simental NMLS# 1762746 explores a unique strategy for aspiring entrepreneurs: utilizing home equity to kick-start their business dreams. He shares his insights on how to navigate the process of using home equity and discusses the potential advantages, such as lower interest rates and flexible repayment options, as well as the risks and challenges associated with this approach.From understanding the eligibility criteria and the impact on your home ownership to calculating the ideal loan amount and considering alternative funding sources, Ivan covers the key factors you need to know before leveraging home...2023-06-1607 minThe Mortgage Reports PodcastDealing With a Stubborn Seller: Tips To Negotiate and When To Walk AwayIn this episode Mortgage Expert, Ivan Simental NMLS# 1762746 tackles the delicate art of negotiating with a stubborn seller and explores when it's best to walk away from a deal that's just not working out.Ivan explores tactics for dealing with stubborn sellers and guides listeners through the intricacies of negotiating with finesse, providing invaluable advice on when to stay and when to walk away from a deal. He also discusses the consequences of not walking away, such as overpaying or ending up with a less-than-desirable deal.Whether you're a prospective homebuyer, an investor, or...2023-06-0606 minThe Mortgage Reports PodcastHow Do Student Loans Impact Your Ability To Buy a House?In this episode Mortgage Expert, Ivan Simental NMLS# 1762746 discusses the common challenge faced by many first-time home buyers: buying a home while carrying the burden of student debt. Ivan provides valuable insights and practical tips for those eager to become homeowners despite their educational loans including:Managing debt-to-income ratiosImproving credit scoresFinding mortgage options that cater to individuals with student loansIncreasing income and reducing expensesDon't let student debt hold you back from owning a home. Start your journey toward homeownership today by listening to this insightful episode.Learn more about the home...2023-05-3006 minThe Mortgage Reports PodcastHomeowners Gained $1 Trillion in Equity. How Can You Tap Into It? The value of homes has increased collectively by $1 Trillion. If you're looking to tap into that equity, there are several options to consider. In this episode Mortgage Expert, Ivan Simental NMLS# 1762746 discusses ways to tap into equity including, Home Equity LoanHome Equity Line of Credit (HELOC)Cash-Out RefinanceReverse MortgageSell or DownsizeHome Equity InvestmentIt's important to consider the potential risks and costs associated with each option. Before proceeding, you should consult with a financial advisor or mortgage professional to determine which method best suits your financial goals and circumstances.>> Read the article "Homeowners Gained $1 Trillion in...2023-05-2405 minThe Mortgage Reports PodcastBest Renovations for Adding Value to Your HomeWhether you're planning to sell your house or just looking to upgrade, there are certain improvements that can significantly increase your property's worth. In this episode, mortgage loan expert Ivan Simental NMLS# 1762746, explores the best renovations to consider if you want to add value to your home. Ivan covers everything from simple cosmetic upgrades to more extensive renovations, such as adding a new bathroom or renovating your kitchen. He offers valuable insights and tips on how to budget, plan, and execute successful home renovation projects that will pay off in the long run. >> Read the...2023-05-1606 minThe Mortgage Reports PodcastHow the Federal Reserve Impacts You (and why you should pay attention)In this episode, mortgage loan expert Ivan Simental NMLS# 1762746 breaks down the role of the Federal Reserve in regulating the country's monetary policy and provides insights into how its decisions impact interest rates, inflation, and the overall economy.The Mortgage Reports Podcast is operated by Full Beaker, inc. NMLS# 1019791 Learn more about home buying, refinancing, and real estate investing at themortgagereports.com2023-05-0908 minThe Mortgage Reports PodcastShould You Rent or Buy Right Now? Advice to make an informed decisionIn this episode, mortgage loan expert Ivan Simental NMLS# 1762746 breaks down the pros and cons of renting vs. buying and provides practical advice on how to make the best decision for your particular situation. Ivan also shares some common misconceptions about renting and buying and offers insights on factors to consider, such as location, finances, and personal goals. Whether you're a first-time homebuyer or a seasoned renter, this episode will provide valuable insights to help you make an informed decision.The Mortgage Reports Podcast is operated by Full Beaker, inc. NMLS# 1019791Learn more about home...2023-05-0209 minThe Mortgage Reports PodcastIs Now a Good Time to Consider an Adjustable-Rate Mortgage (ARM)?In this episode, mortgage expert Ivan Simental NMLS# 1762746, explores the benefits and drawbacks of adjustable-rate mortgages (ARMs) in the current economic climate. They discuss how ARMs differ from fixed-rate mortgages, and how they can be a good option for certain borrowers who are looking for lower initial payments or who plan to sell their home before the rate adjusts. Ivan also offers advice on how to determine whether an ARM is the right choice for a particular borrower's financial situation, taking into account factors such as the current interest rate environment and the borrower's plans for the future. 2023-04-2409 minThe Mortgage Reports PodcastPros and Cons of a 40-Year Loan TermIn this podcast episode, mortgage expert Shivani Peterson NMLS# 866955 discusses the topic of a 40-year loan term, including its advantages and disadvantages. She delves into how this extended loan term can affect a borrower's overall financial situation and explores some alternative loan options that may be more suitable for certain individuals. Shivani also offers some tips on how to determine the best loan term for your unique financial needs and goals. The Mortgage Reports Podcast is operated by Full Beaker, inc. NMLS# 1019791Learn more about home buying, refinancing, and real estate investing at themortgagereports.com2023-04-1905 minThe Mortgage Reports PodcastSelf-Employed Mortgage Loan Requirements in 2023In this episode, mortgage loan expert Ivan Simental NMLS# 1762746, shares insights into the requirements and challenges involved in obtaining a mortgage loan as a self-employed individual in 2023. Listeners will learn about the different types of mortgage loans available to self-employed individuals, the documentation required to qualify for a loan, and tips on how to increase their chances of qualifying. This episode is a valuable resource for self-employed individuals who are considering applying for a mortgage loan.>> Read the article "Self-Employed Mortgage Loan | Requirements 2023"Learn more about home buying, refinancing, and real estate investing at themortgagereports...2023-04-1005 minThe Mortgage Reports PodcastWhat To Do If You Hate Your House (but love your low payment)Do you own a home that you hate living in, but choose to stay because your payment is low? If so, you might be wondering what your options are. In this episode, mortgage expert Shivani Peterson NMLS# 866955 discusses the following points: Americans are moving less than at any time since 1948. What are the possible reasons?If you feel trapped in a house you hate because of the super low rate – could you use it as a rental and use the increased cash flow to offset a higher mortgage payment on your new primary?How much equity do you have...2023-04-0304 minThe Mortgage Reports Podcast39% of Home Buyers Can’t Afford 5% Down PaymentIn this episode, mortgage expert Shivani Peterson NMLS# 866955 discusses a concerning statistic in the real estate market: 39% of home buyers cannot afford a 5% down payment. She dives into the reasons behind this trend, including rising housing prices and stagnant wages. Shivani also explores potential solutions to help more people achieve homeownership, such as government programs and alternative financing options. The Mortgage Reports Podcast is operated by Full Beaker, inc. NMLS# 1019791>> Read the article "39% of Home Buyers Can't Afford 5% Down Payment"Learn more about home buying, refinancing, and real estate investing at themortgagereports.com2023-03-3107 minThe Mortgage Reports PodcastHousing Inventory Problems To Be Aware of in 2023If you are searching for a home you've likely run into problems with low inventory. Mortgage rates are higher than they've been in years, new home construction has decreased, and many homeowners are staying put.In this episode, Ivan Simental NMLS# 1762746 discusses the issue of low housing inventory right now, what to expect in the coming months, and offers his advice to first-time home buyers who are buying in this volatile market. >> Read the article "Housing market predictions for 2023: Rates, prices, and inventory"The Mortgage Reports Podcast is operated by Full Beaker...2023-03-2711 minThe Mortgage Reports PodcastHow bank failures could impact real estate in 2023With the recent news of SVB bank filing for bankruptcy, you might be wondering how bank failure might impact real estate now and in the future. In this episode mortgage expert, Shivani Peterson NMLS# 866955 covers the following talking points, The role the Fed playsThe impact we’ve seen on interest rates and how that could continueHow this may sway buyer confidence and demand for housingThe Mortgage Reports Podcast is operated by Full Beaker, inc. NMLS# 1019791Learn more about home buying, refinancing, and real estate investing at themortgagereports.com2023-03-2111 minThe Mortgage Reports PodcastMajor Changes To Mortgage Costs Happening in May 2023 - Key TakeawaysHomeowners and potential homeowners will see some major changes impacting mortgage costs in May 2023. While loan-level price adjustments have always existed, in this episode mortgage expert, Shivani Peterson NMLS# 866955 dives deeps into these NEW changes. She discusses how they will impact mortgage interest rates and what they mean for homeowners. Later, she discusses strategies potential homeowners can use to save on costs or take advantage of these changes. The Mortgage Reports Podcast is operated by Full Beaker, inc. NMLS# 1019791Learn more about home buying, refinancing, and real estate investing at themortgagereports.com...2023-03-2008 minThe Mortgage Reports PodcastHome Equity Line of Credit (HELOC) vs. Credit Card - which is the better option?Looking to make a big purchase? Need extra cash? Home equity lines of credit (HELOCs) are one of the cheapest forms of borrowing while credit cards are one of the most expensive. However, sometimes a credit card might be a better option. Other times, tapping your home equity could make more sense. In this episode mortgage expert, Ivan Simental NMLS# 1762746 helps you to discover which may be a better match for your needs.>>Read the article "HELOCs vs Credit Cards: Which is The Better Option?"The Mortgage Reports Podcast is o...2023-03-1303 minThe Mortgage Reports PodcastIs Private Mortgage Insurance Bad? Here Are The Benefits Of PMINew homeowners might try to avoid private mortgage insurance (PMI) at all costs. It's usually thought of as a "bad" thing that you don't want as a homeowner. However, there are many benefits to having PMI. In this episode mortgage expert, Shivani Peterson NMLS# 866955 discusses the benefits of having private mortgage insurance. >> Read the article "Is PMI Bad? No. Here Are The “Silent” Benefits Of Mortgage Insurance" The Mortgage Reports Podcast is operated by Full Beaker, inc. NMLS# 1019791Learn more about home buying, refinancing, and real estate investing at themortgagereports.com2023-03-0605 minThe Mortgage Reports PodcastMortgage assistance and relief programs | 2023Mortgage relief can come in many forms. Whether you need a lower rate and payment or a break from making payments altogether, there are options. In this episode, Ivan Simental NMLS# 1762746>> Read the article "Mortgage assistance and relief programs | 2023"Learn more about home buying, refinancing, and real estate investing at themortgagereports.comThe Mortgage Reports Podcast is operated by Full Beaker, inc. NMLS# 10197912023-03-0304 minThe Mortgage Reports Podcast3 Tax Deductions for Homeowners 2023Buying a home can make tax deductions a little better for homeowners! In this episode, Ivan Simental NMLS# 1762746 discusses 3 important tax deductions for homeowners. >>Read the article "How The Mortgage Interest Deduction Helps Homeowners" now on themortgagereports.comThe Mortgage Reports Podcast is operated by Full Beaker, inc. NMLS# 1019791Learn more about home buying, refinancing, and real estate investing at themortgagereports.com2023-02-2804 minThe Mortgage Reports Podcast2023 Mortgage rate predictions: Will mortgage rates fall?Have mortgage rates peaked? Will they continue to increase? When will they go down? In this episode mortgage expert, Ivan Simental NMLS# 1762746 provides a mortgage interest rates forecast for the rest of 2023.>>Read the article now on themortgagereports.comThe Mortgage Reports Podcast is operated by Full Beaker, inc. NMLS# 1019791Learn more about home buying, refinancing, and real estate investing at themortgagereports.com2023-02-0805 minThe Mortgage Reports PodcastIf You Invest In Real Estate in 2023 Will You Lose Money?With mortgage rates increasing, you might be wondering if buying a house or investing in real estate is even worth it this year. The big question is, If you buy a home in 2023, will it appreciate in the long run? The bigger question is, should you buy now or wait? In this episode, mortgage expert Shivani Peterson NMLS# 866955 answers these questions and more: If you buy a home in 2023, is it likely to appreciate?How long will you have to wait in order to see appreciation and amortization gains?Will you get the same return as so...2023-02-0207 minThe Mortgage Reports PodcastHome prices are dropping, but is it too risky to buy right now?Home prices dropping dramatically nationwide. If you're thinking about buying a house in the future, you're probably wondering if you should buy now at a discounted price. You're probably also wondering if it's too risky to buy in today's higher-rate market. In this episode, mortgage expert Shivani Peterson NMLS# 866955 answers those questions and more: How will rates impact supply and demand this year?If you didn’t qualify in the price range you wanted due to higher rates, should you wait for them to come down?How will lower rates impact your ability to negotiate with a seller?How...2023-01-2606 minThe Mortgage Reports PodcastHow Much Money Should You Save To Buy a House | Tips To Start SavingBuying a house is a major financial commitment that comes with costs that you might now be aware of. Of course, there's the downpayment. However, there are other costs associated with owning a home. In this episode, Ivan Simental NMLS# 1762746 discusses how much money you should realistically have saved before buying your first home. Later, he gives some great tips for starting to save money for your first home. The Mortgage Reports Podcast is operated by Full Beaker, inc. NMLS# 1019791Learn more about home buying, refinancing, and real estate investing at themortgagereports.com2023-01-1906 minThe Mortgage Reports PodcastWhat NOT To Do Before Buying a House in 2023When preparing to get a mortgage and buy a new home, it’s important to do things beforehand in order to present yourself as a strong borrowing candidate. In this episode, Ivan Simental NMLS# 1762746 tells you what NOT to do before buying a house. Or, you can read the article What not to do before buying a house: 7 Mistakes to avoidThe Mortgage Reports Podcast is operated by Full Beaker, inc. NMLS# 1019791Learn more about home buying, refinancing, and real estate investing at themortgagereports.com2023-01-1208 minThe Mortgage Reports PodcastWhat Happens To Home Values During a RecessionIf you own a home you are probably worried about what will happen to your home value during a recession. With a recession predicted in 2023, let's discuss how that could affect your home value. In this episode mortgage expert Ivan Simental NMLS# 1762746 has the answer to your question, "what will happen to my home value during a recession?"The Mortgage Reports Podcast is operated by Full Beaker, inc. NMLS# 1019791Learn more about home buying, refinancing, and real estate investing at themortgagereports.com2023-01-0906 minThe Mortgage Reports Podcast5 Things To Know About Buying a House in 2023Are you getting ready to buy your first home in 2023? Maybe you're just now getting prepared? Are you confused about how to start the home-buying process? In this episode mortgage expert Ivan Simental NMLS# 1762746 talks about the 5 most important things to know about buying a house in 2023. The Mortgage Reports Podcast is operated by Full Beaker, inc. NMLS# 1019791Learn more about home buying, refinancing, and real estate investing at themortgagereports.com2023-01-0606 minThe Mortgage Reports PodcastShould You Buy The Best House In a "Bad" Neighborhood?We hear the same advice all the time - buy the worst house, in the best neighborhood. Is this always true? Are there times when it's actually better to buy the BEST house in the worst neighborhood? Is there a middle ground? In this episode, mortgage expert Ivan Simental NMLS# 1762746 talks about the situations when buying the ugliest house on the block have paid off big time. Later, he discusses the pros and cons of buying the nicest house in a "bad" neighborhood. The Mortgage Reports Podcast is operated by Full Beaker, inc. NMLS# 1019791...2022-12-3007 minThe Mortgage Reports PodcastYou Do Not Want To Be "House Poor" - Here's How To Avoid ItWe don't know about you, but the thought of sitting in a big new house without furniture or a completed yard sounds like a pretty bad situation. That is why when preparing to buy a house it's super important to account for all expenses. We're talking everything - beyond the downpayment and closing costs. You do not want to be "house poor" after purchasing your first home. Keep in mind that, yes, while the idea of buying your dream home might cloud your judgment, you'll still have an entire life to finance even after the sale is finalized. 2022-12-2708 minThe Mortgage Reports PodcastTop 5 Cities to Invest in Real Estate 2023If you're looking to invest in real estate it's important to know which cities offer the most potential and return on your investment. In this episode, Ivan Simental NMLS# 1762746 discusses the top 5 cities to invest in real estate. The Mortgage Reports Podcast is operated by Full Beaker, inc. NMLS# 1019791Learn more about home buying, refinancing, and real estate investing at themortgagereports.com 2022-12-2309 minThe Mortgage Reports PodcastReasons NOT To Buy The Most Expensive House You Can AffordBuying a brand new, expensive, dream-home sounds amazing- in theory. However, in the long run, paying a mortgage on the home at the top of your budget is probably not the best decision. This doesn't mean you could never own your dream home, it just means that there is a more sound strategy to get you into that home over time. In this episode, mortgage expert Ivan Simental NMLS# 1762746 discusses the reason why you should probably pass on the home that will max out your budget and what to do instead. The Mortgage Reports Podcast is...2022-12-1806 minThe Mortgage Reports PodcastPros and Cons of Selling (or buying) a House During The HolidaysMost home sellers and buyers wait until the warmer months to either list their homes or start house-hunting. With the changing housing market, maybe you don't want to wait that long. There are definite pros to entering the housing market in the Winter and over the holidays. In this episode, mortgage expert Ivan Simental NMLS# 1762746 goes over the benefits and disadvantages you might face while listing or shopping for a new home during the holiday season. The Mortgage Reports Podcast is operated by Full Beaker, inc. NMLS# 1019791Learn more about home buying, refinancing, an...2022-12-1807 minThe Mortgage Reports PodcastTips To Help you Track and Understand Mortgage Interest RatesThere are a lot of headlines in the news about mortgage interest rates. Some of these headlines are confusing while others are downright scary. It's important for you, as a current or future home buyer, to properly understand how to track and understand interest rates. In this episode, mortgage expert Shivani Peterson NMLS# 866955 talks about some of the current headlines that may be misleading, and how you can track mortgage rates like a pro. Mortgage rates don't have to be scary, there are lots to learn - if you have the right tools! The...2022-12-0506 minThe Mortgage Reports PodcastCredit Card Debt and Home Ownership - How a HELOC Might Help You Get Out of DebtAs inflation continues, Americans are turning to their credit cards to survive. If you already own a home and are looking to pay down your credit card debt, a HELOC might be an option for you. If you are looking to buy a home or own a home, here's what you need to know about your credit card debt and how it impacts your home loan applications and chances to buy a property. Shivani Peterson discusses the following topics: - Credit utilization - what percentage should future homeowners aim for? - Is credit card debt bad...2022-11-3007 minThe Mortgage Reports PodcastWhy You Shouldn't Obsess Over Mortgage Rates Right NowHow much do mortgage rates really matter in the grand scheme of things? Yes, mortgage rates have risen and may continue to rise. However, mortgage rates never stay the same, they will always change. Furthermore, the housing market is constantly transitioning. There's a lot more to think about when buying a home than the rate of your current mortgage. In this episode, mortgage expert Arjun Dhingra NMLS# 1166050 dives into the current mortgage rates and why it's important to look at the big picture. The Mortgage Reports Podcast is operated by Full Beaker, inc. NMLS# 1019791...2022-11-2205 minThe Mortgage Reports PodcastWhy The Housing Market Is Unlikely To Crash in 2023Everyone, especially homeowners and potential buyers are wondering if the housing market will crash in 2023? In this episode mortgage expert Arjun Dhingra NMLS# 1166050 explains what would cause the housing market to crash and why it's probably unlikely to happen soon. The Mortgage Reports Podcast is operated by Full Beaker, inc. NMLS# 1019791Learn more about home buying, refinancing, and real estate investing at themortgagereports.com2022-11-2207 minThe Mortgage Reports PodcastIs It Better to Rent or Buy a House During a Recession?If you want to buy a home, but are on the fence due to the looming recession you might be asking yourself - should I continue to rent during the recession or should I buy a home instead? What makes the best sense for you? In this episode, mortgage expert Ivan Simental NMLS# 1762746 discusses the pros and cons of renting vs. owning a home during a recession. He'll help you decide what is the best choice for you. The Mortgage Reports Podcast is operated by Full Beaker, inc. NMLS# 1019791Learn more about home bu...2022-11-0406 minThe Mortgage Reports PodcastCan You Sell Your House Before Paying Off The Mortgage?If you're thinking about buying a house, you might be wondering about what happens if you want to sell your future home, but still, owe a mortgage.In this episode mortgage expert, Ivan Simental NMLS# 1762746 discusses this scenario. The Mortgage Reports Podcast is operated by Full Beaker, inc. NMLS# 1019791Learn more about home buying, refinancing, and real estate investing at themortgagereports.com2022-11-0404 minThe Mortgage Reports PodcastShould You Sell Your House Before or During a Recession?If you are thinking about selling your house you might be worried about the looming recession. If you're thinking about selling your house right now, you probably have a lot of questions about what will happen to your home value during a recession, and what will happen to rates...should you sell now, or wait?In this episode, mortgage expert Ivan Simental NMLS# 1762746 discusses everything you need to know about selling a house during a recession - or, even, before a recession hits. The Mortgage Reports Podcast is operated by Full Beaker, inc. NMLS# 10197912022-11-0406 minThe Mortgage Reports PodcastWhen To Rate Shop For A MortgageAt what point in the home-buying process should you shop around for rates? How do you even go about shopping for mortgage interest rates? In this episode, mortgage expert Ivan Simental NMLS# 1762746 gives his best professional advice for shopping for a mortgage, comparing interest rates and even choosing the best lender for you. Learn more about home buying, refinancing, and real estate investing at themortgagereports.com2022-10-1406 minThe Mortgage Reports PodcastKey Facts About HELOCS (home equity line of credit)If you have equity in your home you've probably heard of home equity lines of credit. So, what is a HELOC? How does a HELOC work? Should you use a HELOC? In this episode, mortgage expert Ivan Simental NMLS# 1762746 breaks down the HELOC option and helps you decide if you should tap into your home equity with a HELOC. The Mortgage Reports Podcast is operated by Full Beaker, inc. NMLS# 1019791Learn more about home buying, refinancing, and real estate investing at themortgagereports.com2022-10-1406 minThe Mortgage Reports PodcastCommon Real Estate Contingencies (which ones to waive and which ones to keep)Real estate contingencies - what does that even mean? How are contingencies changing in today's housing market? What contingencies do mortgage loan officers recommend be included and never removed before buying and which ones should you waive? In this episode, mortgage expert Ivan Simental NMLS# 1762746 answers these questions and many more about real estate contingencies. Learn more about home buying, refinancing, and real estate investing at themortgagereports.com2022-10-1406 minThe Mortgage Reports PodcastIs the Housing Market Going To Crash Like in 2008?The housing market is correcting. Interest rates are rising. We are in a buyer's market. Home prices are dropping. But, could all this change lead to a housing meltdown or financial crash like what happened during the Great Recession of 2008?In this episode mortgage expert, Ivan Simental NMLS# 1762746, discusses the current market, compares it to the housing market of 2008, and shares his prediction about the housing market possibly melting down (or not.) The Mortgage Reports Podcast is operated by Full Beaker, inc. NMLS# 1019791Learn more about home buying, refinancing, and real estate investing a...2022-10-0408 minThe Mortgage Reports PodcastSteps To Take if You Lock a Mortgage Before Rates FallWhat are your options if you lock a mortgage and then rates fall? Unfortunately, you can't just unlock your rate and get the lower rate. However, there are various options to take to get a lower rate. In this episode mortgage expert, Ivan Simental NMLS# 1762746, discusses the steps to take if you lock a mortgage in a higher interest rate market and what to do once they drop. The Mortgage Reports Podcast is operated by Full Beaker, inc. NMLS# 1019791Learn more about home buying, refinancing, and real estate investing at themortgagereports.com2022-10-0306 minThe Mortgage Reports PodcastWhy It's Better To Buy a House Now, In a Buyers Market, Instead of Waiting For Rates To DropThe housing market has recently shifted into a buyer's market. This could put some home buyers in a prime position to get the best deals on their mortgages. What does the shift mean for home buyers and sellers? Will home prices be lower? Are houses on the market longer? Is it easier to negotiate prices and concessions? In this episode mortgage expert, Ivan Simental NMLS# 1762746, discusses why right now in buyers market is the best time to buy a house, even with higher interest rates. The Mortgage Reports Podcast is operated by Full Bea...2022-10-0307 minThe Mortgage Reports Podcast10 Tips To Buy a Home in a Higher Interest Rate MarketWith rising interest rates in today's market, it might take first-time home buyers a bit more financial planning to prepare to get approved for a mortgage. In this episode, mortgage expert Ivan Simental NMLS# 1762746 discusses ten tips to take before you purchase a home in a higher interest-rate market. The Mortgage Reports Podcast is operated by Full Beaker, inc. NMLS# 1019791Learn more about home buying, refinancing, and real estate investing at themortgagereports.com2022-10-0212 minThe Mortgage Reports PodcastHow To Use Your 401K To Help Buy Your First HomeSome first-time home buyers use their 401K to help with the fees associated with buying a house - such as down payments and closing costs. Is this the right choice? How do you access your 401K funds? Do you have to pay back the 401K loan?In this episode, Ivan Simental NMLS# 1762746, discusses how to use your 401K to help buy your first home - from borrowing from your 401K to withdrawing your 401K. The Mortgage Reports Podcast is operated by Full Beaker, inc. NMLS# 1019791Learn more about home buying, refinancing, and real e...2022-10-0209 minThe Mortgage Reports PodcastNegotiation Tips When Buying a Home in a Buyers Market: Seller Buy Downs vs. Price ReductionsIn today's market, home buyers have some freedom to negotiate. It's easy to jump to simply negotiating a lesser price for the home, but there are other ways to negotiate that can save you money in the long run. In this episode, Mortgage expert Shivani Peterson NMLS# 866955, discusses negotiation tactics for home buyers and seller buy down vs. price reductions. She also answers the following questions: If you have room to negotiate with a seller, how are the dollars best spent? What are the short and long terms pros and cons of a seller rate buy-down?If...2022-09-2705 minThe Mortgage Reports PodcastHow To Shop For The Best Mortgage Lender For YouShopping for a mortgage takes some time, but it’s worth it in the long run. In this episode, mortgage expert Shivani Peterson NMLS# 866955 discusses why choosing the right mortgage lender for your circumstances is one of the most important steps in the home-buying process. She details a plan for shopping for and ultimately choosing the right mortgage lender for you. The Mortgage Reports Podcast is operated by Full Beaker, inc. NMLS# 1019791Learn more about home buying, refinancing, and real estate investing at themortgagereports.com2022-09-2706 minThe Mortgage Reports PodcastStep-By-Step Guide To Buying a Home After Age 30If you're over 30 and thinking about starting the home-buying process, this episode is for you! Mortgage expert, Ivan Simental NMLS# 1762746 waited until he was 33 to buy his first house. In this episode, he discusses the exact steps he took to buy his first home. The Mortgage Reports Podcast is operated by Full Beaker, inc. NMLS# 1019791Learn more about home buying, refinancing, and real estate investing at themortgagereports.com2022-09-1111 minThe Mortgage Reports PodcastTop 3 Reasons To Buy a House in 2022The housing market has changed a lot this year and has introduced some challenges to those who are looking to buy a home in 2022. However, there are still plenty of reasons why 2022 is a great year to buy a home. In this episode, mortgage expert Ivan Simental NMLS# 1762746, shares the top 3 reasons to buy a house this year. The Mortgage Reports Podcast is operated by Full Beaker, inc. NMLS# 1019791Learn more about home buying, refinancing, and real estate investing at themortgagereports.com2022-09-1106 minThe Mortgage Reports PodcastHome Buying Tips No One Talks AboutIf you're hoping to learn how to save money on your first home, get the most bang for your buck, and have the best home-buying process possible, this episode is for you! Mortgage expert, Ivan Simental NMLS# 1762746 reveals little-known home buying tips for first-time home buyers.Learn more about home buying, refinancing, and real estate investing at themortgagereports.com2022-09-1109 minThe Mortgage Reports PodcastWhy it Could Be Easier For First-Time Home Buyers To Buy a Home in 2022With the cooling housing market, buying a home in 2022 and beyond could become a lot easier for first-time home buyers, and here's why. In this episode, Ivan Simental NMLS# 1762746 explains why right now is a great time to buy. He dives into the current market, credit scores, and down payment assistance programs that are back this year. The Mortgage Reports Podcast is operated by Full Beaker, inc. NMLS# 1019791Learn more about home buying, refinancing, and real estate investing at themortgagereports.com2022-09-1106 minThe Mortgage Reports PodcastWe Are Not Entering a BAD Housing Market, We Actually Just Left OneThe housing market of the past 2 years was NOT normal or healthy. Housing was the hottest sector in the economy during the past two years. This was an artificial housing market that was being kept low on purpose to keep the economy going. Now we are entering a more "normal" market, and the news is full of fearful headlines. In this episode mortgage expert Arjun Dhingra NMLS# 1166050 gets real about the previous market, the current market, and what that means for hopeful home buyers. The Mortgage Reports Podcast is operated by Full Beaker, inc. NMLS# 1019791...2022-09-0806 minThe Mortgage Reports PodcastWhy a Home Equity Line of Credit (HELOC) Might Be Better Than Moving Right NowIf you already own a home, buying a new home might not be the right move for everyone right now. For those who are looking to add some upgrades to their current home, a home equity line of credit (HELOC) might be a good option. In this episode mortgage expert, Shivani Peterson NMLS# 866955 explains how you can tap into the equity in your current home to make it more enjoyable. She also discusses HELOCs and cash-out refinancing.The Mortgage Reports Podcast is operated by Full Beaker, inc. NMLS# 1019791Learn more about home buying, re...2022-09-0607 minThe Mortgage Reports PodcastCosts That Surprise First-Time Home Buyers (Besides the Down Payment)Most first-time home buyers are concerned with having enough down payment funds, but that's only part of the total cost of homeownership. In this episode mortgage expert, Shivani Peterson NMLS# 866955, breaks down all the expenses you need to be prepared for when buying a house such as closing costs and other fees. Later, Shivani shares great strategies to save and be prepared for these costs so you're not surprised.The Mortgage Reports Podcast is operated by Full Beaker, inc. NMLS# 1019791Learn more about home buying, refinancing, and real estate investing at themortgagereports.com 2022-09-0606 minThe Mortgage Reports PodcastGood News For Homebuyers in 2022These home buyers are feeling relief in the current volatile housing market. In late 2022, rates are higher, inventory is still low and some home buyers have been priced out of the market. With all of these changes, some home buyers who were struggling with purchasing a home last year due to high housing prices and multiple offers on a single home are now able to secure homes. In this episode mortgage expert, Shivani Peterson NMLS# 866955, discusses the current housing market of 2022, upcoming predictions for home prices and rates, and recent home buyer success stories including, How a...2022-07-1906 minThe Mortgage Reports PodcastPros and Cons of Buying a House in a RecessionIs buying a house during a recession a good or bad idea? An economic downturn could be an opportune time to buy a house, but it could also bring along financial instability and stress. In this episode mortgage expert Shivani Peterson NMLS# 866955 discusses the pros and cons of buying a house in a recession. He goes into detail about- Home prices during a recession- Mortgage rates - Financial stabilityThe Mortgage Reports Podcast is operated by Full Beaker, inc. NMLS# 1019791Learn more about home buying, refinancing and real es...2022-07-1909 minThe Mortgage Reports Podcast"House Hacking" How Roommates Can Help You Pay a Mortgage and Live Rent-FreeLiving with roommates? Why not buy a home and have your roommates pay rent to you!? This "house hack" is a path to homeownership that not a lot of people use. In this episode, Ivan Simental NMLS# 1762746 talked about house hacking: - What mortgage loans are available? - What rules and other requirements are there? - How can this help make home-buying more affordable? The Mortgage Reports Podcast is operated by Full Beaker, inc. NMLS# 1019791Learn more about home buying, refinancing, and real estate investing at themortgagereports.com2022-07-1408 minThe Mortgage Reports PodcastHome Buyer Tax Credits 2022 ExplainedHome buyers in 2022 can receive tax benefits and tax credits that could reduce the cost of buying a home. In this episode Ivan Simental NMLS# 1762746, discusses: - Updates on President Biden's proposed home buyer credit- Advice for buyers who are wondering about potential tax credits- How tax advantages associated with purchasing a home might reduce the cost of buying and homeownership- How home buyers can apply for tax creditsThe Mortgage Reports Podcast is operated by Full Beaker, inc. NMLS# 1019791Learn more about home buying, refinancing, an...2022-06-2811 minThe Mortgage Reports PodcastWhat a Recession Means For Home Prices and The Housing MarketMany homebuyers and homeowners are wondering how the housing market might be impacted if the economy turns into a recession. In this episode, mortgage expert Arjun Dhingra NMLS# 1166050, discusses the questions that are on everyone's mind as forecasts of a recession loom: Will home prices decrease or increase during a recession? Should you buy a home during a recession or wait? Should you refinance during a recession or wait? The Mortgage Reports Podcast is operated by Full Beaker, inc. NMLS# 1019791Learn more about home buying, refinancing, and real estate investing at themortgagereports.com2022-06-2110 minThe Mortgage Reports PodcastIs It Worth It To Refinance At a Higher Rate To Access Home Equity?Homeowners are sitting on a lot of equity. You might be wondering if now is a good time to refinance in order to access that equity - even with rates being higher? In this episode, mortgage expert Shivani Peterson NMLS# 866955, goes over scenarios where refinancing at a higher rate might be worth it and scenarios where you should wait to refinance. Homeowner equity is at an all-time high – so people may be wondering what they can do with it.Reasons you shouldn’t pull equity out.Reasons it would make sense to pull equity out, even if you...2022-06-2105 minThe Mortgage Reports PodcastWhy Interest Rate Hikes Could Mean GOOD News For Homebuyers (with Shivani Peterson)The fed continues to increase mortgage interest rates. The good news is that it might now be bad news for home buyers. There is a silver lining here! So if you're hoping to buy a home in the current market, this episode is for you. Mortgage expert, Shivani Peterson NMLS# 866955, breaks down the current housing market with rising rates: The economics of how the Fed has to tackle inflationHow inflation drives long-term rates and what this means for today's buyersHistorically how interest rate hikes have played out What we can expect for the rest of the yea...2022-06-2006 minThe Mortgage Reports PodcastWhat is a Closing Disclosure? Why You Should Pay Attention to This Important Document.The Closing Disclosure can be confusing at first glance. It is an overview of your final home loan costs - including your closing costs. This important document should be read thoroughly to ensure that you fully understand the costs associated with your new home loan. The closing disclosure includes explanations for costs, such as - closing costs, loan fees, interest rate, real estate taxes, home purchase price, and other costs regarding your loan. In this episode, mortgage expert Ivan Simental NMLS# 1762746 goes into detail about the Closing Disclosure, why you should take the time to read it, w...2022-06-1613 minThe Mortgage Reports PodcastFinancial Tips For Buying Your First Home (with Shivani Peterson)Financial planning is key to buying your first home and securing a financially successful future with a new home. From ways to save money with mortgage loan products, to tips to possibly reduce your mortgage and advice to plan a monthly budget while factoring in your new mortgage. In this episode, Shivani Peterson NMLS# 866955 reveals some great budgeting tips and homebuying hacks to save you money. Tips Shivani discusses: How to ask for a rate buydown, instead of a price reduction from the seller.A look into all loan products – ARMs, buydowns, long-term locks.Tips t...2022-05-2105 minThe Mortgage Reports PodcastHow To Finance an Investment Property (with Shivani Peterson)Real estate investing can be very expensive and may feel unattainable to some potential investors. However, it remains one of the best investments to make. Rental properties can be lucrative and profitable. The good news is that there are several ways to finance an investment property even if you don't have loads of cash on hand.In this episode, mortgage expert Shivani Peterson NMLS# 866955 breaks down: What’s the difference between a rental property purchase versus a home you are going to live in? (Down payment, interest rate, underwriting)How do mortgage loan experts decid...2022-05-2106 minThe Mortgage Reports PodcastIs Now a Good Time To Refinance? Or, should you wait? (with Ivan Simental NMLS# 1762746)Different scenarios exist for homeowners to improve their loans through a refinance even as inflation pushes rates higher. So, is now a good time for YOU to refinance? In this episode, Ivan Simental NMLS# 1762746 discusses who would benefit the most from refinancing in 2022 - and, who should wait. Most industry experts predict interest rates will rise throughout the rest of 2022 given the Federal Reserve’s likely actions to offset inflation — which could ultimately help home buyers.Read the full article Four smart reasons to refinance with rates above 5% now on th...2022-05-1111 minThe Mortgage Reports PodcastWill The Housing Bubble Pop in 2022? (with Ivan Simental Ivan Simental NMLS# 1762746)With home prices skyrocketing over the last two years, and interest rates on the rise, many folks in the mortgage industry — and outside of it — have been heard using the term "housing bubble." As a homeowner or home buyer, how concerned should you be when you hear that term? We explain why real estate buyers shouldn't worry about a housing bubble in the near future.The Mortgage Reports Podcast is operated by Full Beaker, inc. NMLS# 1019791Learn more about home buying, refinancing and investing at themortgagereports.com2022-05-1115 minThe Mortgage Reports PodcastScared To Buy a House in 2022? Advice for working through your fears (with Shivani Peterson NMLS# 866955)If you're feeling uneasy with the current housing market in 2022 - you're not alone. Lots of new and experienced home buyers are struggling to decide if they should buy now or wait. It's natural to feel scared to make a large purchase in uncertain times. In this episode, mortgage expert Shivani Peterson NMLS# 866955 addresses the biggest fears plaguing home buyers today and how to work through those fears to actualize your dream of owning a home. Concerns about a “bubble”Concerns about Personal FinanceConcerns about living somewhere you don’t like, and why you need to in order...2022-05-1007 minThe Mortgage Reports PodcastHow High Will Mortgage Rates Go in 2022? (with Shivani Peterson NMLS# 866955)Mortgage rates have been increasing since the beginning of 2022. Now, it's May 2022 - and you probably have lots of questions. In this episode Shivani Peterson NMLS# 866955, answers some of the most important questions about rising rates: When will mortgage interest rates stop rising? How high will rates get before they plateau?How will rising rates impact the housing market? Why is the Fed taking action to raise mortgage interest rates? Learn more about home buying, refinancing, and real estate investing at themortgagereports.comThe Mortgage Reports Podcast is operated by Full Beaker, inc. NMLS...2022-05-1005 minThe Mortgage Reports Podcast2 Major Reasons Why Housing Inventory is Extremely Low Right Now (with Arjun Dhingra NMLS# 1166050)There are simply not enough houses right now to meet the demand of home buyers. This shortage tips the housing market in the seller's favor - driving inflated home prices. But, what exactly is driving the lack of inventory?In this episode, mortgage expert Arjun Dhingra NMLS# 1166050 discusses the 2 main reasons why inventory is so low and what to expect going forward. Learn more about home buying, refinancing and real estate investing at themortgagereports.comThe Mortgage Reports Podcast is operated by Full Beaker, inc. NMLS# 10197912022-05-1006 minThe Mortgage Reports PodcastLetters to the home seller COULD help you - here's whyIf you've found your dream home and are desperate to buy it, writing a letter to the seller could definitely benefit you says themortgagereports.com podcast host Ivan Simental NMLS# 1762746. Learn more in this episode!The Mortgage Report Podcast is presented and operated by FULL BEAKER, INC. NMLS# 1019791Learn more about home buying and refinancing at themortgagereports.com2022-04-2707 minThe Mortgage Reports PodcastWhere will mortgage rates stop? Mortgage rates are already well above 4% -- which, previously, was the highest many experts thought they'd go in 2022.Now, how high do we think rates could go before the end of the year? Will they plateau, and when? In this episode, Ivan Simental NMLS# 1762746 delivers the best insight on mortgage rates rising in 2022 and beyond.The Mortgage Report Podcast presented and operated by FULL BEAKER, INC. NMLS# 1019791Learn more about home buying and refinancing at themortgagereports.com2022-04-2708 minThe Mortgage Reports PodcastHow will inflation affect the housing market in 2022?Rising inflation will impact home buyers and homeowners alike, but don't expect a crash. Here's how inflation is affecting housing in 2022. In this episode, Ivan Simental NMLS# 1762746 discusses inflation and homeownership. The Mortgage Report Podcast is presented and operated by FULL BEAKER, INC. NMLS#1019791Learn more about buying and refinancing your home at themortgagereports.com2022-04-2509 minThe Mortgage Reports PodcastHow to Beat an All-Cash OfferIt's a common problem for buyers in the market today: Find a house you love. Make an offer. Get beat out by an all-cash offer. But you don't have to relive the same scenario again and again. Believe it or not, it is possible to win against an all-cash offer. In this episode, Ivan Simental NMLS# 1762746 discusses his tips and strategies you can use to beat an all-cash offer. Learn more at https://themortgagereports.com/The Mortgage Reports Podcast is operated by Full Beaker, inc. NMLS# 10197912022-04-0807 minThe Mortgage Reports PodcastCan You Buy a Home With Low Down Payment in 2022?The real estate market has seen a lack of inventory, resulting in bidding wars and causing house values to rapidly increase. Does a higher purchase price automatically mean a higher down payment? Is it even possible to buy a home with a low down payment in 2022? In this episode, Ivan Simental NMLS# 1762746 discusses how to make financed offers with low down payments or down payment assistance more appealing to sellers.Learn more at https://themortgagereports.com/The Mortgage Reports Podcast is operated by Full Beaker, inc. NMLS# 10197912022-04-0808 minThe Mortgage Reports PodcastWill Rising Interest Rates Help (or hurt) Home Buyers and Sellers?While rising rates can hurt affordability, will they also help buyers by reducing demand? Will competition for homes be less due to high rates? Will home values drop?In this episode, Ivan Simental NMLS# 1762746 discusses the current and future state of home buying and the increasing interest rates.Learn more at https://themortgagereports.com/The Mortgage Reports Podcast is operated by Full Beaker, inc. NMLS# 10197912022-04-0108 minThe Mortgage Reports PodcastShould You Wait To Buy a House Until 2023, or Buy Now?Over the past couple of years, home prices have grown exponentially. And now, interest rates are rising, too. If you're looking to buy a house soon you might be wondering if you should buy ASAP or wait and see if the market cools in 2023. In this episode, Ivan Simental NMLS# 1762746 breaks it all down for those of you who are weighing a decision like this and helps you decide if homeownership makes sense right now, or if it’s better to wait. Learn more home buying, selling, and refinancing tips, tricks, and hacks at themortgagereports.com2022-03-3105 minThe Mortgage Reports PodcastWill Home Prices Go Up In 2022 and Beyond?Home prices have been surging for the past few years. Will this trend continue into 2022 and beyond?In this episode, Ivan Simental NMLS# 1762746 discusses his predictions in the real estate market. Learn more home buying, selling, and refinancing tips, tricks, and hacks at themortgagereports.comThe Mortgage Reports Podcast is operated by Full Beaker, inc. NMLS# 10197912022-03-3005 minThe Mortgage Reports PodcastWill inflation and rising rates cause a housing market crash?With interest rates going up, will home price growth finally go down?It’s a fair question. And while it’s something home buyers desperately hope for after what we’ve seen over the past year, the answer isn’t totally black and white.In this episode Arjun Dhingra NMLS# 1166050 discusses the following points:How will home prices be affected by inflation?Where does affordability go from here?Is the housing market going to crash?Advice for your next moveRead the full article...2022-03-2406 minThe Mortgage Reports PodcastSix More Fed Rate Hikes Expected in 2022 - what it means for your mortgageThe Federal Reserve will move forward with tightening its fiscal policies in 2022, just not as aggressively as originally planned. In this episode, Arjun Dhingra NMLS# 1166050 discusses why borrowers looking to refinance or buy a home should act quickly before interest rates likely increase in the months ahead.The Mortgage Reports Podcast is operated by Full Beaker, inc. NMLS# 1019791Read the full article at themortgagereports.com 2022-03-2206 minThe Mortgage Reports PodcastHow To Buy a House With No Credit: First Time Home BuyersCall it the unintended consequence of debt-free living: With no visible evidence that you’ve managed credit accounts in the past, mortgage lenders will be nervous about your ability to repay a loan in the future. There’s no history for them to go on.Thankfully, you may not need a traditional credit profile to get a mortgage–approved.In this episode, Ivan Simental NMLS# 1762746 discusses how to get a mortgage if you have no credit history. Read our complete guide to buying a home with no credit history on themortgagereports.comTh...2022-02-0712 minThe Mortgage Reports PodcastWhat upcoming Fed rate hikes mean for your mortgageMany experts now speculate the Fed will raise interest rates sooner than initially planned; maybe as early as March. And it could hike rates four times (up from three) over the course of the year.In this episode, In this episode, Ivan Simental NMLS# 1762746 discusses why significant mortgage rate growth could take off in the next few months. It also means if you’re betting on interest rates to decline before you buy a home or you pushed off refinancing, the interest rate environment might never be lower than it is now.2022-02-0308 minThe Mortgage Reports PodcastMortgage Insurance Basics: how it works and strategies to avoid itAre you wondering about mortgage insurance and if it's actually required? Maybe you want to know how to avoid it altogether? In this episode, Ivan Simental NMLS# 1762746 breaks down everything you need to know about mortgage insurance:- The basics of mortgage insurance: how it works and why it's required- Conventional PMI vs FHA MIP, USDA mortgage insurance, VA funding fee- Is mortgage insurance bad?- When can you get rid of mortgage insurance?- Should you save 20% to avoid PMI?- Strategies to avoid PMI if you really want...2022-01-2709 minThe Mortgage Reports PodcastMortgage Loan Officer Answers The Most Common Questions From First Time Home BuyersIn this episode, Ivan Simental NMLS# 1762746 answers the most common questions he is asked by first-time home buyers. - How much mortgage can you afford? - What will your mortgage payment be?- What do I need to qualify for a home loan? - What is my interest rate? Learn more about home buying tips and advice at themortgagereports.comThe Mortgage Report Podcast presented and operated by FULL BEAKER, INC. NMLS#10197912022-01-2608 minThe Mortgage Reports PodcastThe Mortgage Loan Process Explained From Start To FinishDo you feel confused about the whole mortgage loan process? We get it, it can feel daunting. In this episode, Ivan Simental NMLS# 1762746 breaks down the entire process so you can feel confident applying for a mortgage loan. The Mortgage Report Podcast presented and operated by FULL BEAKER, INC. NMLS#1019791Learn more at themortgagereports.com2021-12-2312 minThe Mortgage Reports PodcastHow To Shop For a Home Loan: don't skip these 10 stepsIn a competitive market like today, you might feel pressured to lock in a mortgage rate especially if you find a home you love. It's important to prepare and to slow down. In this episode, Ivan Simental NMLS# 1762746 discusses the most important steps to take before buying a home.The Mortgage Report Podcast presented and operated by FULL BEAKER, INC. NMLS#1019791 Learn more about home buying tips and advice at themortgagereports.com2021-12-2210 minThe Mortgage Reports PodcastWhat will drive mortgage rates higher in 2022?Mortgage rates have started to rise and should go higher in 2022. In this episode, Arjun Dhingra NMLS#1166050 explains why and what it means for you.Visit themortgagereports.com for more tips, tricks, advice, and knowledge on purchasing or refinancing your home!The Mortgage Report Podcast presented and operated by FULL BEAKER, INC. NMLS#1019791Read more at themortgagereports.com2021-12-2003 minThe Mortgage Reports PodcastWill Home Prices Drop in 2022? Our PredictionsHome prices and rent are skyrocketing, it's anything but normal right now. What will happen in 2022? What could turn things around and cause a drop in prices or increase inventory? Arjun Dhingra NMLS#1166050 discusses all of this and more.The Mortgage Report Podcast presented and operated by FULL BEAKER, INC. NMLS#1019791 Learn more at themortgagereports.com2021-11-2405 minThe Mortgage Reports PodcastCONSIDERING AN FHA LOAN? tips, tricks and advice for first time home buyersIn this episode, Ivan Simental NMLS# 1762746 discusses the FHA loan and offers amazing advice for first-time homebuyers who are considering an FHA loan. Visit themortgagereports.com for more tips, tricks, advice, and knowledge on purchasing or refinancing your home!The Mortgage Report Podcast presented and operated by FULL BEAKER, INC. NMLS#10197912021-11-1909 minThe Mortgage Reports PodcastFHA ANNOUNCES NEW GUIDELINES ON STUDENT LOAN DEBT: it's now EASIER to buy a home if you have student loansIf your student loans have stopped you from buying your first home, this episode is for you! A recent change to the FHA home loan guidelines has made it much easier for borrowers with student loans to own a home. Ivan Simental NMLS# 1762746 breaks down all the changes and why this is great news for those who are hoping to purchase their first home soon! Visit themortgagereports.com for more. The Mortgage Report Podcast presented and operated by FULL BEAKER, INC. NMLS#1019791 2021-11-1107 minThe Mortgage Reports PodcastHOUSE HACKING ADVICE: how to live for free in a house you ownHouse hacking allows the owner to live for free, renters pay the mortgage, and allows the homeowner to start an investment property. In this episode, Ivan Simental NMLS# 1762746 breaks down the topic of house hacking. What is house hacking? Is house hacking worth it? How do you get qualified to own an investment property? Can you buy a second home after purchasing your investment property? What's the difference between house hacking and traditional investing? Get all these questions answered in this episode!Visit themortgagereports.com for more. The Mortgage Report Podcast presented and op...2021-11-0910 minThe Mortgage Reports PodcastBUYING A HOME WHILE WORKING IN THE CANNABIS INDUSTRY: how to do itBuying a home if you work in the cannabis industry might be challenging. Even in states that have decriminalized marijuana/cannabis, many mortgage lenders are not able to qualify loans for people who work in the cannabis industry. This is due to the federal prohibition on cannabis. In some cases, buying a home may still be possible - even if you are a cannabis industry worker. In this episode, Ivan Simental NMLS# 1762746 explains how YOU can get qualified for a home mortgage if you work in the cannabis industry. The Mortgage Report Podcast presented and op...2021-10-1404 minThe Mortgage Reports PodcastHOW TO BUY A HOUSE IF YOU HAVE STUDENT LOAN DEBT: tips to get approved for a mortgage right out of collegeThe short answer is YES! You can buy a house with student loan debt. But, it's going to take a bit more planning. In this episode, Ivan Simental NMLS# 1762746 dives deep into what it takes to get pre-qualified for a home loan if you are right out of college and have student loan debt. The Mortgage Report Podcast presented and operated by FULL BEAKER, INC. NMLS#1019791Visit themortgagereports.com for more home buying tips!2021-10-1210 minThe Mortgage Reports PodcastSHOULD YOU REFINANCE? top 4 reasons to refinance nowRefinancing has boomed in the last year, and it’s no wonder why. With rates at historic lows and homeowners sitting on record amounts of equity, many borrowers have saved thousands.And if you haven’t refinanced yet? It’s not too late. Over 15 million homeowners are still ‘in the money to refi according to data firm Black Knight.As mortgage expert Arjun Dhingra NMLS# 1166050 says, now may be the perfect time to do it. The Mortgage Report Podcast presented and operated by FULL BEAKER, INC. NMLS#1019791Visit themortgagereports.com for more hom...2021-09-1403 minThe Mortgage Reports PodcastBAD CREDIT: 3 tips to buy a house if your credit score is lowIf you’re looking to buy a house but you have bad credit, we have some good news for you: you may still be able to get a mortgage loan. In this episode, Mortgage Expert Ivan Semintal NMLS # 1762746, gives the best advice on buying a house with a low credit score. Bad credit, or even not-so-great credit isn’t the automatic deterrent for a home loan that it once was says Ivan Simental, mortgage advisor at @theivansimental and host of themortgagereports.com podcast. In a recent episode, Ivan discussed how exactly you can still buy a house, even...2021-07-1409 min