Shows
Your Path to Nonprofit Leadership322: How Can You Make Your Nonprofit’s Message Stick? (Salvatore Manzi)322: How Can You Make Your Nonprofit’s Message Stick? (Salvatore Manzi)SUMMARYSpecial thanks to TowneBank for bringing these conversations to life, and for their commitment to strengthening nonprofit organizations. Learn more about how they can help you at TowneBank.com/NonprofitBanking.Why do even the most passionate nonprofit leaders struggle to cut through the noise and communicate a message that truly inspires action, and what can they do to make it stick? In episode 322 of Your Path to Nonprofit Leadership, leadership communication coach Salvatore Manzi sh...2025-06-2644 minYour Path to Nonprofit Leadership321: How to be an Adaptive Leader in Turbulent Times (Theo Ellington & Genevieve Leighton-Armah)321: How to be an Adaptive Leader in Turbulent Times (Theo Ellington & Genevieve Leighton-Armah)SUMMARYSpecial thanks to TowneBank for bringing these conversations to life, and for their commitment to strengthening nonprofit organizations. Learn more at TowneBank.com/NonprofitBanking.What does it take to lead with purpose when resources are stretched, burnout is high, and the future feels uncertain? In episode #321 of Your Path to Nonprofit Leadership, Genevieve Leighton-Armah and Theo Ellington share how Black Citizen is redefining leadership development through trust-based philanthropy, flexible funding, and deep...2025-06-1939 minYour Path to Nonprofit Leadership320: From Paper to Progress: 4 Steps to Actionable Strategy (Rebecca White)320: From Paper to Progress: 4 Steps to Actionable Strategy (Rebecca White)SUMMARYSpecial thanks to TowneBank for bringing these conversations to life, and for their commitment to strengthening nonprofit organizations. Learn more about how they can help you at TowneBank.com/NonprofitBanking.Why do so many strategic plans gather dust instead of driving impact? In episode #320 of Your Path to Nonprofit Leadership, nonprofit strategist Rebecca White unpacks why well-intentioned plans often fail, and what to do about it. She offers a practical, four-step approach to move strategy...2025-06-1238 minYour Path to Nonprofit Leadership319: Become Fireproof: Negotiate Your Salary, Severance & Sanity (Sean Kosofsky)319: Become Fireproof: Negotiate Your Salary, Severance & Sanity (Sean Kosofsky)SUMMARYSpecial thanks to TowneBank for bringing these conversations to life, and for their commitment to strengthening nonprofit organizations. Learn more about how they can help you at TowneBank.com/NonprofitBanking.Are you protecting yourself as well as your nonprofit’s mission? In episode #319 of Your Path to Nonprofit Leadership, nonprofit leader and consultant Sean Kosofsky breaks down the critical, but too often overlooked, topics of executive compensation, board accountability, and employment protection. Drawing from decades of ex...2025-06-0543 min
Cape Fear ReportEp. 394 | Tyler Becomes a Loan OfficerSUMMARY: Tyler announces the news that he is a full-time Loan Officer at TowneBank Mortgage! It's also jobs week after a positive week for rates, thanks to Japan, tariff pauses, and a positive inflation report. Also, rent in Wilmington holds steady for the second consecutive month... DISCLAIMER: TowneBank Mortgage, NMLS #512138, is an equal housing lender. This podcast is for informational purposes only. Hosted by Tyler Cralle #20282012025-06-0224 minYour Path to Nonprofit Leadership318: AI for Nonprofit Leaders – Beyond the Hype (Andrew Gossen & Stamie Despo)318: AI for Nonprofit Leaders – Beyond the Hype (Andrew Gossen & Stamie Despo)SUMMARYSpecial thanks to TowneBank for bringing these conversations to life. Learn more at TowneBank.com/NonprofitBanking.How can nonprofit leaders cut through the noise and start using AI to strengthen relationships, increase efficiency, and stay mission-driven? AI is reshaping how nonprofits engage donors, manage data, and build relationships. In episode #318 of Your Path to Nonprofit Leadership, nonprofit marketing and fundraising experts Andrew Gossen and Stamie Despo share why nonprofit leaders can’t afford to igno...2025-05-2947 minYour Path to Nonprofit Leadership317: Crisis-Proof Your Leadership (Mary Kelly)317: Crisis-Proof Your Leadership (Mary Kelly)SUMMARYSpecial thanks to TowneBank for bringing these conversations to life, and for their commitment to strengthening nonprofit organizations. Learn more at TowneBank.com/NonprofitBanking.Why do so many nonprofit leaders feel unprepared when crisis strikes and what can they do today to ensure they’re ready to lead with confidence when it inevitably does? In episode 317 of Your Path to Nonprofit Leadership, Mary Kelly offers a masterclass in crisis-ready leadership for nonprofit executives. Drawing from her 25-year naval career and de...2025-05-2241 minYour Path to Nonprofit Leadership316: Building a Mission-Driven Nonprofit That Pays the Bills (Maggie Kane)316: Building a Mission-Driven Nonprofit That Pays the Bills (Maggie Kane)SUMMARYSpecial thanks to TowneBank for bringing these conversations to life, and for their commitment to strengthening nonprofit organizations. Learn more about how they can help you at TowneBank.com/NonprofitBanking.How do you stay true to your mission while keeping the lights on? In episode 316 of Your Path to Nonprofit Leadership, we dive into that question and others with Maggie Kane, who shares the story behind A Place at the Table, a nonprofit café in R...2025-05-1549 minYour Path to Nonprofit Leadership315: Lessons Nonprofit Leaders Can Teach the Business World (Nick Grono)315: Lessons Nonprofit Leaders Can Teach the Business World (Nick Grono)SUMMARYSpecial thanks to TowneBank for bringing these conversations to life, and for their commitment to strengthening nonprofit organizations. Learn more about how they can help you at TowneBank.com/NonprofitBanking.Let’s flip the usual script! Rather than learning from business practices, what if the business world learned from you? In episode #315 of Your Path to Nonprofit Leadership, Nick Grono shares powerful insights on why purpose-driven leadership is nonprofits' greatest strength, and why corporations are st...2025-05-0843 minYour Path to Nonprofit Leadership314: It’s Time to Rethink How Your Nonprofit Does Marketing (Lou Kotsinis)314: It’s Time to Rethink How Your Nonprofit Does Marketing (Lou Kotsinis)SUMMARYSpecial thanks to TowneBank for bringing these conversations to life, and for their commitment to strengthening nonprofit organizations. Learn more about how they can help you at TowneBank.com/NonprofitBanking.Many nonprofits treat marketing as a luxury or an afterthought, but doing so limits their impact. In episode #314 of Your Path to Nonprofit Leadership, digital strategist Lou Kotsinis challenges nonprofit leaders to rethink their approach, emphasizing that marketing must be mission-critical, not secondary. Lo...2025-05-0137 minYour Path to Nonprofit Leadership313: What They Don’t Tell You About Being a Nonprofit Leader (Kevin Dean)313: What They Don’t Tell You About Being a Nonprofit Leader (Kevin Dean)SUMMARYSpecial thanks to TowneBank for bringing these conversations to life, and for their commitment to strengthening nonprofit organizations. Learn more about how they can help at TowneBank.com/NonprofitBanking.What happens when your first day as an executive director ends in tears - and your second day requires laying off most of the staff? In episode #313 of Your Path to Nonprofit Leadership, Kevin Dean shares the raw truths about the loneliness, imposter sy...2025-04-2448 minYour Path to Nonprofit Leadership312: Moving Your Organization from Toxic Stress to Radical Resilience (Brett Loftis)312: Moving Your Organization from Toxic Stress to Radical Resilience (Brett Loftis)SUMMARYSpecial thanks to TowneBank for bringing these conversations to life, and for their commitment to strengthening nonprofit organizations. Learn more about how they can help you at TowneBank.com/NonprofitBanking.Why are so many nonprofit leaders exhausted, irritable, or dealing with chronic health issues—and not realizing the deeper cause? In episode 312 of Your Path to Nonprofit Leadership, Brett Loftis explores how unacknowledged trauma and toxic stress infiltrate nonprofit organizations, often masked as burnout or...2025-04-1742 minYour Path to Nonprofit Leadership311: Leading with Systems: The Secret to Mission-Driven, High-Performing Nonprofits (Kevin Wilkins)311: Leading with Systems: The Secret to Mission-Driven, High-Performing Nonprofits (Kevin Wilkins)SUMMARYSpecial thanks to TowneBank for bringing these conversations to life, and for their commitment to strengthening nonprofit organizations. Learn more about how they can help at TowneBank.com/NonprofitBanking.Are you so focused on keeping your nonprofit running that you don’t have time to step back and fix the systems holding you back? In episode 311 of Your Path to Nonprofit Leadership, organizational expert Kevin Wilkins shares how to break free from these constraints an...2025-04-1047 minYour Path to Nonprofit Leadership310: Why is Now the Time for Future Thinking? (Trista Harris)310: Why is Now the Time for Future Thinking? (Trista Harris)SUMMARYSpecial thanks to TowneBank for bringing these conversations to life, and for their commitment to strengthening nonprofit organizations. Learn more about how they can help at TowneBank.com/NonprofitBanking.How can nonprofit leaders break free from the exhausting cycle of putting our fires to create a clear, future-focused strategy that drives long-term impact? In episode 310 of Your Path to Nonprofit Leadership, philanthropic futurist, Trista Harris dives into why many in the sector struggle to think...2025-04-0344 min
Chatter with BNCChatter with BNC | Billy Foster & Will Morrison, TowneBankWelcome to Chatter with BNC, Business North Carolina's weekly podcast, serving up interviews with some of the Tar Heel State's most interesting people. Today's episode features an interview with two leaders at TowneBank, which has become a big player in North Carolina banking with offices in Cary, Charlotte, Greenville, Raleigh and the Outer Banks. Billy Foster is the president and CEO, while Will Morrison oversees Towne Financial’s residential mortgage, insurance, real estate brokerage and wealth management units. Formed as a new bank in 1999, Suffolk, Virginia-based TowneBank has $17 billion in assets. It ranks sixth in market share in th...2024-09-2531 minChatter with BNCChatter with BNC | Billy Foster & Will Morrison, TowneBankWelcome to Chatter with BNC, Business North Carolina's weekly podcast, serving up interviews with some of the Tar Heel State's most interesting people. Today's episode features an interview with two leaders at TowneBank, which has become a big player in North Carolina banking with offices in Cary, Charlotte, Greenville, Raleigh and the Outer Banks. Billy Foster is the president and CEO, while Will Morrison oversees Towne Financial’s residential mortgage, insurance, real estate brokerage and wealth management units. Formed as a new bank in 1999, Suffolk, Virginia-based TowneBank has $17 billion in assets. It ranks sixth in market share in th...2024-09-2531 min
Banking on Disruption DailyVisa Faces Antitrust Lawsuit, Record Credit Union Mergers, TowneBank's Expansion, and Mastercard's AI Fraud SolutionsThe Justice Department filed a lawsuit against Visa Tuesday, accusing the company of maintaining an illegal monopoly in the debit-card market through restrictive tactics and inflated fees.ESL Federal Credit Union plans to acquire Generations Bancorp, setting a record for credit union-bank mergers. TowneBank also announced its acquisition of Village Bank for $120 million, aiming to expand its presence in Richmond.Visa has launched new AI-powered tools in its dispute processing platform to help merchants manage disputes more efficiently as dispute volumes surged 50% since 2019. Across the pond, Mastercard introduced AI-driven protections to combat real-time payment scams...2024-09-2505 min
Real Estate ExcellenceDebi Honeycutt: Credit Enhancment SpecialistHow can a credit score of 347 be transformed into a 720 within a matter of weeks? Discover the incredible true story and credit enhancement strategies revealed in this episode. In this captivating episode of the Real Estate Excellence podcast, host Tracy Hayes is joined by Debi Honeycutt, the Vice President and Credit Enhancement Specialist at Towne Bank. With nearly 40 years of experience in the credit industry, Debi shares her extensive knowledge and passion for helping individuals improve their credit scores and achieve their dreams of homeownership. Throughout the conversation, Debi and Tracy dive deep into the w...2024-04-1946 minReal Estate ExcellenceDebi Honeycutt: Credit Enhancment SpecialistHow can a credit score of 347 be transformed into a 720 within a matter of weeks? Discover the incredible true story and credit enhancement strategies revealed in this episode. In this captivating episode of the Real Estate Excellence podcast, host Tracy Hayes is joined by Debi Honeycutt, the Vice President and Credit Enhancement Specialist at Towne Bank. With nearly 40 years of experience in the credit industry, Debi shares her extensive knowledge and passion for helping individuals improve their credit scores and achieve their dreams of homeownership. Throughout the conversation, Debi and Tracy dive deep into the w...2024-04-1946 min
Talk of The TowneShirvan Speaks: Women's History Month SpecialShirvan Speaks is back in a special episode to celebrate Women's History Month this March! In this episode, Shirvan speaks with loan officers Lisa O'Hagan (NMLS #200506), Ann Fisher (NMLS #476411), and Sandra D'Zmura (NMLS #496313) about their experience as women in the mortgage industry.
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The Shirvan Speaks Podcast is brought to you by FitzGerald Financial Group, a division of TowneBank Mortgage. NMLS #512138. Shirvan Joseph, our host, is NMLS registered, NMLS #188513. The contents of this podcast are for informational and educational purposes only. We are not financial advisors. Shirvan Joseph and FitzGerald Financial Group are Equal Housing Lenders. Th...2024-03-1830 min
Talk of The TowneShirvan Speaks - FitzGerald Financial 20th Anniversary SpecialShirvan Speaks is back in a special episode to celebrate the 20th anniversary of FitzGerald Financial Group with founder Dan FitzGerald (NMLS #276013).
Tune in as they discuss what sets FitzGerald Financial apart, the secrets to longevity in business, and some of Dan's personal favorite stories and memories with Fitz. This is truly an episode that you do NOT want to miss!
The Shirvan Speaks Podcast is brought to you by FitzGerald Financial Group, a division of TowneBank Mortgage.. NMLS #512138. Shirvan Joseph, our host, is NMLS registered, NMLS #188513. The contents of this podcast...2024-02-2719 min
Atlanta Real Estate Forum RadioTowneBank Mortgage: Hometown Mortgage LenderMike Rose, a senior loan officer with TowneBank Mortgage, joins the Atlanta Real Estate Forum Radio podcast for its 12th-anniversary episode to share an overview of the mortgage company. On the All About Real Estate segment, Rose sits down with host Carol Morgan to discuss special promotional programs offered by TowneBank Mortgage and how to use the company’s mobile app.
Rose is a rare Atlanta native born and raised in the area, and he currently resides with his family in Dunwoody. Before transitioning into the mortgage industry, Rose had a long-time career in radio broadcasting – starting at the Georgia Stat...2023-10-1126 minAtlanta Real Estate Forum RadioKeller Williams Atlanta North: A Top Real Estate Brokerage in the SoutheastRealtor with Keller Williams Atlanta North Mariam DePriest and Senior Loan Officer Mike Rose with TowneBank Mortgage join the Atlanta Real Estate Forum Radio podcast to share an overview of the real estate agency and its Live Luxury Division. DePriest and Rose sit down to chat with host Carol Morgan on the All About Real Estate segment.
Before pursuing a career in real estate, DePriest studied broadcasting and worked as a news anchor, broadcaster and radio host before pivoting to advertising and marketing sales. DePriest dove headfirst into the real estate realm after 20 years in the sales industry to pursue a...2023-10-0428 min
Talk of The TowneShirvan Speaks| FHA Mythbusters: Debunking Common MisconceptionsListen to this month's episode of Shirvan Speaks, where Shirvan brings on Dan FitzGerald, Founder of FitzGerald Financial, to discuss the surprising benefits of FHA loans in today's housing market. 2023-08-0726 min
Talk of The TowneWMN Ep. 6 Fed Pauses as Labor Market Stands StrongDavid and Tyler break down all the economic data from June: The much hotter-than-expected jobs report, the Fed's decision to not raise rates, inflation slowing to 4.0%, construction activity drastically improving halfway through the year, and the ongoing housing inventory problem.
- U.S. Job Growth Remains Strong Despite Economic Clouds (https://www.nytimes.com/2023/06/02/business/economy/jobs-report-may-2023.html)
- Fed Holds Rates Steady but Expects More Increases (https://www.wsj.com/articles/fed-holds-rates-steady-but-expects-more-increases-b1be87f2) - Inflation rose at a 4% annual rate in May, the lowest in 2 years (https://www.cnbc.com...2023-07-0627 min
Talk of The TowneShirvan Speaks - Spanish Homeownership Resources
To learn more about our resources to help our Spanish Speaking Community with accessible homeownership opportunities, click here: https://bit.ly/FitzSpanishResources
Shirvan Joseph
571-278-8351
NMLS ID #: 188513
https://fitzgeraldfinancial.net/shirvanjoseph/
301-213-7239
NMLS ID #: 658909
https://fitzgeraldfinancial.net/wilmerpalacios/
240-305-8446
NMLS ID #: 189758
https://fitzgeraldfinancial.net/keniaescobar/
The Shirvan Speaks Podcast is brought to you by FitzGerald Financ...2023-06-3034 min
State of the WaterState Of The Water - May 21, Topic: Towne Bank's Community Financial Literacy ProgramsState Of The Water - May 21, Topic: TowneBank's Community Financial Literacy Programs, Special Guest: Yvonne T. Allmond TowneBank, Executive VP, Community Engagement Officer2023-05-2229 min
Talk of The TowneShirvan Speaks | Life After Graduation ft. Chris BostonGraduation is exciting for everyone; students and families, but what happens after you cross the stage?Listen to this month's episode of Shirvan Speaks, where Shirvan brings on Chris Boston, a fellow Loan Officer who shares a passion for educating college students about life and finances after graduation. Together, the pair provides insight on what to expect after the diploma and how to use those financial skills to prepare for homeownership early.
Shirvan Joseph
571-278-8351
NMLS ID #: 188513
https://fitzgeraldfinancial.net/shirvanjoseph/
...2023-05-0133 minTalk of The TowneWMN Episode 4: The Spring Buying Season Is HereDavid Macaione and Tyler Cralle discuss the start of the spring buying season with data from March that shows inflation continuing to cool was met with signs of a loosening labor market, the importance of the spread between the 10-year treasury and a 30-year mortgage rate, the big jump in rate locks in March, and the continued lack of housing inventory not just nationwide but in Wilmington.
Show Notes:
U.S. Inflation Eased to 5% in March
US Producer Prices Fell in March by Most Since Start of Pandemic
U.S. Job Growth Eases, but Ext...2023-04-2529 min
Talk of The TowneShirvan Speaks | Grant Options for Most BuyersGrants are a great option for buyers looking for more opportunities for homeownership. In this month's episode of Shirvan Speaks, Shirvan discusses the benefits of utilizing a grant and some of the local options available in the VA/DC/MD markets.
For more information regarding grant options near you, contact a loan officer to learn more!
Shirvan Joseph
Phone: 240-335-0170
Shirvan.Joseph@fitzgeraldfinancial.netwww.fitzgeraldfinancial.net/shirvanjoseph
The Shirvan Speaks Podcast is brought to you by FitzGerald F...2023-04-1423 minTalk of The TowneFirst-Time Buyer Experience with Jordan HolmesWe are so excited for this one too! We had the pleasure of talking with the one of newest homeowners in Towne, Jordan Holmes!
Jordan is a member of our Marketing Team, 24 years old and bought her first home on her own!
In this episode, we discussed what the mortgage process was like for Jordan, how she prepared, her experience working with a Towne local lender and what led her on this exciting journey! We hope to inspire all renters looking to make the leap into homeownership by listening to Jordan’s st...2023-04-1125 minTalk of The TowneWomen Empowering Women ft. Sheri Husser, Shirley Sasser and Wendy LewisWe are back with another very special episode of The Talk of the Towne Podcast. In this episode, we spoke with three very influential women on our team who had a lot of perspective to provide in honor of Women's History Month.
Shirley Sasser, SEVP/Director of National Sales, Sheri Husser, SEVP/Mortgage Chief Operating Officer, and Wendy Lewis, SEVP/Director of Mortgage Marketing, sat down with us for our first panel to answer some questions regarding women in the industry and what led them to where they are today.
TowneBank Mortgage...2023-03-1430 min
Talk of The TowneShirvan Speaks | Credit Questions from a Gen Z Buyer ft. Sean HigginsMarch is Credit Education Month, so we met with Shirvan Joseph and Sean Higgins, EVP at United One, to answer some pressing Credit Questions from a Gen Z Buyer's perspective.
Not Gen Z? Not a problem! The topics that Shirvan and Sean discuss go beyond the generational divide and can apply to anyone!
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The Shirvan Speaks Podcast is brought to you by FitzGerald Financial Group, a division of TowneBank Mortgage.. NMLS #512138. Shirvan Joseph, our host, is NMLS registered, NMLS #188513. The contents of this podcast are for informational and educational purposes only. We are...2023-02-2830 minTalk of The TowneWMN Episode 3: A Confusing FebruaryDavid & Tyler discuss the latest decision by the Fed and the bizarre market reaction, the very surprising jobs report that showed the labor market is still as hot as ever, the CPI report that showed inflation cooling but not as fast as expected, the cooling housing market, and the jump in homebuilder confidence.
Show Notes:
The Fed Raises Rates a Quarter Point and Signals More Ahead https://www.nytimes.com/2023/02/01/business/federal-reserve-interest-rates.html
Unemployment Falls to 3.4%, Lowest in 53 Years, Jobs Report Shows https://www.wsj.com/articles/january-jobs-report-unemployment-rate-economy-growth-2023-11675374490
Inflation Cooled Just Slightly, Wit...2023-02-2121 min
Talk of The TowneShirvan Speaks | The FITZ Difference ft. Dan FitzGeraldShirvan Speaks is back in a new year and a new season with a new and exciting guest - DAN FITZGERALD (NMLS #276013).
Tune in as they discuss what sets FitzGerald Financial apart and some of Dan's personal favorite stories and memories with Fitz. This is truly an episode that you do NOT want to miss!
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The Shirvan Speaks Podcast is brought to you by FitzGerald Financial Group, a division of TowneBank Mortgage.. NMLS #512138. Shirvan Joseph, our host, is NMLS registered, NMLS #188513. The contents of this podcast are for informational and educational purposes only...2023-02-1523 minTalk of The TowneEp. 7 Denise Counce and Diversity, Equity and InclusionDenise Counce, Senior Vice President and Diversity and Inclusion Officer, guest stars on the latest episode of the #TalkOfTheTowne Podcast.
Listen as we discuss the importance of Diversity, Equity and Inclusion (DEI) in the workplace, and the positive impact that the DEI initiative has had on Towne. Denise's unique role at Towne and bubbly personality makes her an excellent addition to our podcast lineup!
TowneBank Mortgage is an Equal Housing Lender. NMLS #512138. This is for informational and educational purposes only. This is not a commitment to lend. Member FDIC2023-02-1327 minTalk of The TowneEp. 6 Black History Month and the History of Black HomeownershipIn this episode of the Talk of the Towne Podcast, we are honoring the black community with a very special episode for Black History Month. We spoke with Shirvan Joseph (NMLS #188513) with FitzGerald Financial Group and Carla Holmes (NMLS #346828) with TowneBank Mortgage - two Loan Officers who take pride in their initiatives for fair lending and equal housing.
TowneBank Mortgage is an Equal Housing Lender. NMLS #512138. This is for informational and educational purposes only. This is not a commitment to lend. 2023-02-0135 minTalk of The TowneWMN Episode 2: Good News in JanuaryDavid & Tyler discuss the latest jobs report that shows the labor market holding strong heading into 2023. The latest inflation data shows consumer and producer prices slowing faster than expected. Mortgage demand jumps to start the year and homebuilder confidence jumps for the first time in 13 months.
David Macaione # 117378 and Tyler Cralle # 2028201 | TowneBank Mortgage is an Equal Housing Lender. NMLS # 512138. This not a commitment to lend. The content of this video are for educational and informational purposes only. TowneBank Mortgage is not a financial advisor. 2023-01-2321 minTalk of The TowneWMN: The Fed’s Final Decision for 2022David Macaione # 117378 and Tyler Cralle # 2028201 discuss the Federal Reserve’s last rate hike of 2022 and their predictions for the economy over the next three years, the latest CPI report that showed inflation slowing to 7.1%, the latest jobs report that continues to show strength in the labor market, and what this all means for mortgage rates and the housing market.
Show Notes:
Wall Street Journal: Fed Raises Rate by 0.5 Percentage Point, Signals More Increases Likely https://on.wsj.com/3hLEIbr
New York Times: Inflation Cooled Notably in November, Good News for the...2022-12-2319 minCape Fear ReportEp. 236 | Mortgage Demand Falls For 7 Straight WeeksSUMMARY: Total mortgage demand fell for the 7th straight week but purchase demand was up slightly, golden handcuffs are confirmed with 99% of outstanding mortgages under 6.0%, and Redfin announces layoffs for over 800 workers...Sources: Mortgage Demand Down For 7th Straight WeekHigher Mortgage Rates Lead to Strong Lock-in EffectRedfin Announces Layoffs & End of iBuyingDISCLAIMER: TowneBank Mortgage, NMLS #512138, is an equal housing lender. This website is for informational purposes only. Hosted by Tyler Cralle #2028201DISCLAIMER: TowneBank Mortgage, NMLS #512138, is an equal housing lender. This podcast is...2022-11-1017 minCape Fear ReportEp. 235 | New Home Inventory Hits Record High In Q3SUMMARY: New home inventory hit a record high in the third quarter of 2022, potential buyers have misconceptions about what is going to happen with rates and home prices, and all eyes are on the big CPI report on Thursday...Sources:New Home Inventory Hits Record High in Q3Home Buyers' and Sellers' Biggest Misconceptions in a Shifting MarketHappening This WeekDISCLAIMER: TowneBank Mortgage, NMLS #512138, is an equal housing lender. This website is for informational purposes only. Hosted by Tyler Cralle #2028201DISCLAIMER: TowneBank Mortgage, NMLS #512138, is an e...2022-11-0916 minCape Fear ReportEp. 234 | Home Prices & Equity Fall in SeptemberSUMMARY: Home prices and equity fall in September, consumer confidence in housing falls to new lows, and inventory levels hold for the first time in three weeks...Sources:Home Prices & Equity Fall in SeptemberConsumer Confidence in Housing Falls to Record LowsInventory Levels Fall Slightly for the WeekDISCLAIMER: TowneBank Mortgage, NMLS #512138, is an equal housing lender. This website is for informational purposes only. Hosted by Tyler Cralle #2028201DISCLAIMER: TowneBank Mortgage, NMLS #512138, is an equal housing lender. This podcast is for informational purposes only. H...2022-11-0820 minCape Fear ReportEp. 233 | Home Equity Rises in Q3SUMMARY: Home equity rises in the third quarter despite rising rates, initial jobless claims drop slightly for the week, and mortgage falls under 7.0%…Sources:Home Equity Was Up Slightly in Q3Jobless Claims Basically Unchanged for the WeekMortgage Rates Dip Under 7.0%DISCLAIMER: TowneBank Mortgage, NMLS #512138, is an equal housing lender. This website is for informational purposes only. Hosted by Tyler Cralle #2028201DISCLAIMER: TowneBank Mortgage, NMLS #512138, is an equal housing lender. This podcast is for informational purposes only. Hosted by Tyler Cralle #20282012022-11-0418 minCape Fear ReportEp. 232 | Fed Says 75 Bips...AgainSUMMARY: The Federal Reserve announces a 75 basis point hike to the federal funds rate, ADP reports that the economy created 239k jobs in October, and mortgage demand falls for the sixth straight week...Sources:Federal Reserve Announces 75 Basis Point Hike239k Jobs Created in OctoberMortgage Demand Falls for the Sixth Straight WeekDISCLAIMER: TowneBank Mortgage, NMLS #512138, is an equal housing lender. This website is for informational purposes only. Hosted by Tyler Cralle #2028201DISCLAIMER: TowneBank Mortgage, NMLS #512138, is an equal housing lender. This podcast is for i...2022-11-0322 minCape Fear ReportEp. 231 | Job Openings & Construction Spending Jump UnexpectedlySUMMARY: Home prices fell month-over-month for the third consecutive month in September, construction spending was much better than expected, job openings were up unexpectedly, and Tyler spends a whole minute trying to figure out if Selma is a woman's name (not kidding)...Sources:Home Prices Fall for the Third Straight MonthConstruction Spending Unexpectedly Rises in SeptemberJob Openings Jump Back Up to 10.7MDISCLAIMER: TowneBank Mortgage, NMLS #512138, is an equal housing lender. This website is for informational purposes only. Hosted by Tyler Cralle #2028201DISCLAIMER: TowneBank M...2022-11-0222 minCape Fear ReportEp. 230 | Rent Prices See Biggest Monthly DropSUMMARY: Rent prices see the biggest monthly decline in October, housing inventory increases again as buyer demand falls, and it's jobs and the fed week so we get a ton of jobs data along with the FOMC decision on Wednesday...Sources:Rent Prices See Record Decline in OctoberHousing Inventory Continues to ClimbHappening This WeekDISCLAIMER: TowneBank Mortgage, NMLS #512138, is an equal housing lender. This website is for informational purposes only. Hosted by Tyler Cralle #2028201DISCLAIMER: TowneBank Mortgage, NMLS #512138, is an equal h...2022-11-0116 minCape Fear ReportEp. 229 | Home Prices Slow at Fastest Pace on RecordSUMMARY: Home price growth sees the biggest declaration on record in August, consumer confidence falls more than expected in October, and homebuilders who learned their lesson in 2008 are prepared for the 2022 housing slowdown...Sources:Home Price Growth Deceleration Largest on RecordConsumer Confidence Falls More Than ExpectedBuilders Say They Are Prepared for Slow DownDISCLAIMER: TowneBank Mortgage, NMLS #512138, is an equal housing lender. This website is for informational purposes only. Hosted by Tyler Cralle #2028201DISCLAIMER: TowneBank Mortgage, NMLS #512138, is an equal housing l...2022-10-2616 minCape Fear ReportEp. 228 | Rates & Sales Both Surprise to End the WeekSUMMARY: Existing-home sales in September fell but also fell less than expected with the South (of course) dominating all other regions, mortgage rates were up but not as much as expected, and initial jobless claims fell unexpectedly...Sources Existing-Home Sales Fall Less Than ExpectedMortgage Rates Stay Under 7.0%Jobless Claims Fall to 214kDISCLAIMER: TowneBank Mortgage, NMLS #512138, is an equal housing lender. This website is for informational purposes only. Hosted by Tyler Cralle #2028201DISCLAIMER: TowneBank Mortgage, NMLS #512138, is an equal housing lender. This podcast is fo...2022-10-2124 minCape Fear ReportEp. 227 | A Surprisingly Good Construction ReportSUMMARY: The Census Bureau's September construction was better than expected and the South (of course) continues to dominate, mortgage demand falls to a 25-year low, and the Fed's beige book tells us what we already know about the housing market...Sources:Housing Starts Are Down but Permits & Completions Are UpMortgage Demand Falls to 25-Year LowFed's October Beige Book: Housing is CoolingDISCLAIMER: TowneBank Mortgage, NMLS #512138, is an equal housing lender. This website is for informational purposes only. Hosted by Tyler Cralle #2028201DISCLAIMER: TowneBank Mortgage, N...2022-10-2020 minCape Fear ReportEp. 226 | Homebuilder Confidence Plummets...AgainSUMMARY: Homebuilder confidence fell more than expected and not even the South could save this October report, rent growth slows for the fourth month, and the suburbs are now more valuable than the cities...Sources:Home Builder Confidence Falls for 10th Straight MonthRent Growth Slows for a Fourth Consecutive MonthSuburban Space Now More Valuable Than CitiesDISCLAIMER: TowneBank Mortgage, NMLS #512138, is an equal housing lender. This website is for informational purposes only. Hosted by Tyler Cralle #2028201DISCLAIMER: TowneBank Mortgage, NMLS #512138, is an equal housing lender. This p...2022-10-1921 minCape Fear ReportEp. 225 | It was a Flat Friday for Retail SalesSUMMARY: Retail sales were flat in September according to the mixed report from the Census Bureau however when adjusted for inflation sales were actually down 0.4% for the month, New York may finally be breaking free from the NIMBYs, and we got reports on homebuilder confidence, housing starts, and existing-home sales later this week...Sources:Retail Sales Were Flat in SeptemberHappening This WeekIs New York Ditching NIMBYism?DISCLAIMER: TowneBank Mortgage, NMLS #512138, is an equal housing lender. This website is for informational purposes only. Hosted by Tyler Cralle #20282012022-10-1714 minCape Fear ReportEp. 224 | Inflation & Mortgage Rates Coming In HotSUMMARY: No spinning September's CPI report was bad across the board from food to energy to shelter costs it was just bad, mortgage rates hit a 22-year high after another quarter point jump, and social security recipients get an 8.7% COLA increase that is likely to hasten the demise of the entitlement program...Sources:Inflation Hotter Than Expected in SeptemberMortgage Rates Hit 20-Year HighSocial Security Recipients To Recieve An 8.7% IncreaseDISCLAIMER: TowneBank Mortgage, NMLS #512138, is an equal housing lender. This website is for informational purposes only. Hosted by Tyler Cralle #20282012022-10-1419 minCape Fear ReportEp. 223 | Mortgage Credit Availability Falls in SeptemberSUMMARY: Mortgage standards tighten to a level not seen since 2013, rising rates are burning home flippers, and consumer expectations about inflation fall to a low not seen since September 2021...Sources:Mortgage Availability Decreases in SeptemberHome Flippers Getting Burned By Housing SlowdownDISCLAIMER: TowneBank Mortgage, NMLS #512138, is an equal housing lender. This website is for informational purposes only. Hosted by Tyler Cralle #2028201DISCLAIMER: TowneBank Mortgage, NMLS #512138, is an equal housing lender. This podcast is for informational purposes only. Hosted by Tyler Cralle #20282012022-10-1215 minCape Fear ReportEp. 222 | Rate Locks Fall Double DigitsSUMMARY: Rate locks fall double digits in September thanks to mortgage rates skyrocketing, inventory leveled off after three weeks of gains, and another great piece from the New York Times on the death of the starter home...Sources:Rate Locks Fall 10% in SeptemberInventory Levels Off for the WeekIf America Needs Starter Homes, Why Are Perfectly Good Ones Being Torn Down?DISCLAIMER: TowneBank Mortgage, NMLS #512138, is an equal housing lender. This website is for informational purposes only. Hosted by Tyler Cralle #2028201DISCLAIMER: TowneBank Mortgage, NMLS #512138, is an equal h...2022-10-1119 min
Talk of The TowneEP. 5 Paige Campion - Heart of a Champion and Breast Cancer AwarenessWe're going PINK this mont on the Talk of the Towne Podcast!
Paige Campion, (NMLS #557394) Senior Mortgage Loan Officer at Towne Mortgage of the Carolinas, is this month's podcast guest of honor, sharing her story as a breast cancer survivor in honor of #BreastCancerAwarenessMonth.
We are honored that Paige wanted to tell her story in order to raise awareness and remind others to schedule their annual appointments. Early detection is vital and every day matters. 🎗️
Thank you, Paige Campion for inspiring us and others who listen to this episode.
TowneBank Mortgage is an E...2022-10-0632 minCape Fear ReportEp. 221 | Is The Labor Market Finally Softening?SUMMARY: The second report in as many days finds that home prices fell for two months in a row at the end of the summer and the latest JOLTS report brings hope to those looking for relief from inflation but the data is incomplete...Sources:Home Prices Fall for the Second MonthJob Openings Plummet in AugustDISCLAIMER: TowneBank Mortgage, NMLS #512138, is an equal housing lender. This website is for informational purposes only. Hosted by Tyler Cralle #2028201DISCLAIMER: TowneBank Mortgage, NMLS #512138, is an e...2022-10-0514 minCape Fear ReportEp. 220 | Two-month Home Price Slide Biggest Since ’09SUMMARY: Home prices fall for the second month and the two-month slide is now the biggest since January 2009, rising rates are pushing buyers off the table which means slightly higher inventory levels, and Axios writes about the golden handcuffs keeping the housing market stuck...Sources:Two-month Home Price Slide Biggest Since '09Rising Rates Pushes Inventory Levels UpThe Housing Market Is StuckDISCLAIMER: TowneBank Mortgage, NMLS #512138, is an equal housing lender. This website is for informational purposes only. Hosted by Tyler Cralle #2028201DISCLAIMER: TowneBank Mortgage, NM...2022-10-0416 minCape Fear ReportEp. 219 | Pending Home Sales Saw a Slight Dip of 2.0%SUMMARY: August was a great month for new home sales but pending home sales fell 2.0%, mortgage demand returned to its downward trend, and waiting to buy could have cost some homeowners $120k...Sources:Pending Home Sales Fall 2.0% in AugustMortgage Demand Returns to Downard TrendAn Almost $120,000 SwingDISCLAIMER: TowneBank Mortgage, NMLS #512138, is an equal housing lender. This website is for informational purposes only. Hosted by Tyler Cralle #2028201DISCLAIMER: TowneBank Mortgage, NMLS #512138, is an equal housing lender. This podcast is for informational purposes only. Hosted by Tyler Cralle #20282012022-09-2919 minCape Fear ReportEp. 218 | Home Prices Slow While New Home Sales SkyrocketSUMMARY: A bizarre day for housing data started with the Case-Shiller index reporting that home prices in July slowed at the fastest pace in the index's history while. This was expected. However, what was not expected was New Home Sales skyrocketing 28.2% in August thanks to a huge jump in sales in the South which now represents 68% of all new home sales in the country...Sources: Biggest Home Price Deceleration on Record in JulyNew Home Sales Skyrocket in AugustDISCLAIMER: TowneBank Mortgage, NMLS #512138, is an equal housing lender. This podcast is f...2022-09-2819 minCape Fear ReportEp. 217 | The Fed's Housing ProblemSUMMARY: Chairman Jerome Powell has made it very clear that they are trying to rebalance supply and demand with their latest action. There is just one problem, it's not working. If the Fed really wants to bring back more balance to housing they need to cause a recession which will reduce household formation and help reduce demand AND increase supply.Sources:The Fed's Housing ProblemInventory Rises for the Second WeekRents Drop for First Time in Two YearsDISCLAIMER: TowneBank Mortgage, NMLS #512138, is an equal housing lender. Thi...2022-09-2718 min
Talk of The TowneEp. 4 Chris Busching and Renovation LoansWe're BACK with another episode of the Talk of the Towne Podcast!
Chris Busching (NMLS #609816), Towne's National Renovation Manager, hopped on the pod to talk about Renovation Loans, and we promise it's worth a listen!
If you love watching HGTV, then you'll definitely be a fan of this episode!
His Favorite Quote? It’s difficult to find the perfect home, but it’s easy to make every home perfect. (Chef kiss)
Listen Now!
TowneBank Mortgage is an Equal Housing Lender. NMLS# 512138. The contents of this podcast are for...2022-08-2221 min
Talk of The TowneEp. 3 Kim Pate and Construction LoansWe sat with Kim Pate, SVP Director of Residential Construction Lending (NMLS# 305553) , to discuss the lesser-known Construction Loan!
DID YOU KNOW? We have a team dedicated to helping buyers build their dream homes? Learn more in our newest podcast episode!
Listen Here!2022-06-3026 minTalk of The TowneEp. 2 Mary White and First-Time BuyersTowneBank Mortgage is an Equal Housing Lender. NMLS# 512138.
In this episode, we speak with Mary White, Vice President and Mortgage Loan Officer. (NMLS # 239330)
Listen to Mary provide her insights and expertise on the mortgage industry and her work with First-time homebuyers.
Enjoy!
https://townebankmortgage.com/officers/mary-white/
2022-05-1026 min
Talk of The TowneEp. 1 Kristen Smith and Women in the Mortgage IndustryTowneBank Mortgage is an Equal Housing Lender. NMLS# 512138.
In this episode, we speak with Kristen Smith, VP of Mortgage Lending in Suffolk, VA. (NMLS # 306103).
Kristen dives into discussing the mortgage industry, motherhood, and being a successful woman in mortgage.
Enjoy!2022-03-3119 min
Talk of The TowneGetting Pre-QualifiedUnsure what happens when you're about to start the mortgage podcast? No worries! Shirvan Joseph, NMLS# 188513, is here to discuss what to expect when getting pre-qualified, what happens during the initial mortgage process, and more!
TowneBank Mortgage and Fitzgerald Financial Group, LLC a division of TowneBank, NMLS #512138. Equal Housing Lender. This is not a commitment to lend.2022-02-2223 min
Talk of The TowneUnderstanding Your CreditIn this episode, Shirvan Joseph, NMLS# 188513, breaks down the importance of credit towards the homebuying process. We know that the process may seem daunting, but with Shirvan’s guidance, understanding credit and homeownership just got a little easier.
TowneBank Mortgage and Fitzgerald Financial Group, LLC a division of TowneBank, NMLS #512138. Equal Housing Lender. This is not a commitment to lend.2022-02-1412 min
Talk of The TowneThe Value Of HomeownershipListen in to Shirvan Joseph, NMLS# 188513, discuss the importance of homeownership. TowneBank Mortgage and Fitzgerald Financial Group, LLC a division of TowneBank, NMLS #512138. Equal Housing Lender. This is not a commitment to lend.2022-02-0817 minCape Fear ReportEp. 30 | Debt is BackConsumer debt is back, Mortgage rates fell for the second straight week, jobless claims jumped slightly, and could the U.S. see a 4-day workweek?Read about all these stories in the companion newsletterDISCLAIMER: TowneBank Mortgage, NMLS #512138, is an equal housing lender. This podcast is for informational purposes only. Hosted by Tyler Cralle #20282012021-07-0912 minCape Fear ReportEp. 29 | The Under 2 Million ClubHome prices jump 15.4% in May, loans in forbearance fall under 2 million, and the hot housing market didn't cause the home affordability problems it just exacerbated it.Read about all these stories in the companion newsletterDISCLAIMER: TowneBank Mortgage, NMLS #512138, is an equal housing lender. This podcast is for informational purposes only. Hosted by Tyler Cralle #20282012021-07-0709 minCape Fear ReportEp. 28 | Good & Bad News For MillennialsWe got some good and bad news for millennials. The bad news is the hot housing market is pricing many first-time homeowners out of the market, but the good news is they are about to be the recipient of the largest transfer of wealth in U.S. history. And speaking of good news, the June jobs report beat expectations with 850,000 jobs.DISCLAIMER: TowneBank Mortgage, NMLS #512138, is an equal housing lender. This podcast is for informational purposes only. Hosted by Tyler Cralle #20282012021-07-0614 minCape Fear ReportEp. 27 | All-Time HighHome price appreciation hits an all-time high, Kevin Erdmann at Barron's explains why the housing market is not going to collapse, and consumer confidence reaches pre-pandemic levels.- Home Price Growth Hits All-Time High- Is The Housing Market About To Crash?- Consumer Confidence Up in JuneDISCLAIMER: TowneBank Mortgage, NMLS #512138, is an equal housing lender. This podcast is for informational purposes only. Hosted by Tyler Cralle #20282012021-06-3015 min