Najlepsze podcasty z kategorii: Bill Litton (2024)

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The Three Pillars of Mortgage Approval 10:29

7d ago10:29

10:29

What will a mortgage lender look for when determining whether you will be approved for a loan? The approval process involves three key pillars, which every buyer will need to be prepared for and we’ll break that all down in this episode. Here’s some of what we discuss in this episode: 0:00 – Intro 1:57 – Credit 5:19 – Income 6:58 – Assets CONTACT: …

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Should you buy or rent? Here’s what the math says 15:59

14d ago15:59

15:59

The debate over whether it’s better to buy or rent isn’t a new one, but it’s picked up in recent years as interest rates have risen and property values have soared. Which is the better option financially? The answer might lie in a number of considerations, but the math makes a very compelling argument in one direction. Here’s some of what we discus…

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Are we still in a seller’s market? 10:02

21d ago10:02

10:02

As we head into spring, history tells us that inventory will start to pick up again. But are we still in a seller’s market? Today is our market update for April and we’re focused in on interest rates, home prices, and inventory. We’ll share some data that shows the latest trends in values across the country and give you another visual to capture th…

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Rolling Renovation Costs Into Your Mortgage 10:57

1M ago10:57

10:57

With less inventory on the market right now, many people are having to make a few concessions on what they’re looking for and deciding to make a few renovations instead. So whether you want to add a patio, put in a pool, or remodel a kitchen, can you roll those renovation costs into your mortgage loan? Today, Bill Litton from Cross Country Mortgage…

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Homebuying and Divorce 12:25

1M ago12:25

12:25

Going through a divorce is hard and having to sort out the home and the future only adds to the stress and uncertainty. If you keep the home, what happens to the mortgage and what changes? If you are the one needing a new place to live, how difficult is it to buy a new home and should you wait until the divorce is finalized? Bill Litton, Regional P…

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March Market Update – Spring Inventory & Rate Movement 10:18

2M ago10:18

10:18

As March begins, mortgage rates have ticked back up and new inflation data is out. Bill will provide you with a market update as we get ready for spring to arrive and activity to ramp up. Is inventory still low? How competitive are the offers right now? We’ll bring you up to speed on that plus we’ll give you our opinion on a recent comment made by …

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Buying a home? Think about these mortgage lending tax strategies 17:58

3M ago17:58

17:58

Have you ever thought about how your tax planning might positively or negatively impact your next mortgage? You might be surprised to learn that aligning your tax prep with your mortgage process could benefit you in ways you didn’t think about. Since the beginning of the year means tax preparation is top of my mind, let’s talk about how Cross Count…

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Mortgage Resolutions for 2024 11:51

4M ago11:51

11:51

If you are someone who likes to set resolutions for the new year, we have a few that you might want to consider as it relates to real estate and mortgages in 2024. We’ll talk savings, credit, and income goals you can set in the coming year to put yourself in a better position to secure your next home. Sometimes the hardest part is just taking that …

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Building Wealth With Real Estate 16:11

5M ago16:11

16:11

You don’t have to own multiple properties to make real estate a key piece of your retirement nest egg. In fact, we always say that anyone who owns a home is a real estate investor, and that can put you in a great position many years down the road. Today we’re going to talk about building wealth through real estate and explain a mortgage can help yo…

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Are We In a Housing Bubble? 30:46

6M ago30:46

30:46

In this episode, we’re going to provide you with a market update and some historical data to explain why we don’t feel like there’s a housing bubble. We’ll also share with you reasons that it could actually be a good time to buy a home. If you’re worried about home prices and your market timing, this episode should help answer some of your question…

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Problem Solving Your New Home Purchase 27:21

7M ago27:21

27:21

This month’s full podcast will tackle the problems that typically pop up during the mortgage process along with the top mistakes that we usually see people make. We lead things off with an October mortgage update, which will talk about rates remaining higher than many economists predicted. Will they be coming down soon or should you anticipate fixe…

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Having the Right Agent-Lender Team 28:47

8M ago28:47

28:47

Anyone in the market for a home wants to do everything they can to close the deal, especially in a market with low supply and competitive bidding. It’s common that not only will your real estate agent help with that, but they’ll do so in tandem with a mortgage lender. The main focus for today’s show is on that agent-lender relationship and what ben…

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3 Underappreciated Benefits of a Mortgage Lender 26:45

9M ago26:45

26:45

In this episode, we’ll tell you about three core principles of our business at Cross Country Mortgage and why they’re often underappreciated. Plus, we’ll give you a market update for August as we continue to watch rates and the Fed’s actions. We’ll also tackle two great questions on the show today about using mortgage calculators and whether it’s a…

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Ask Your Mortgage Lender These Questions 21:21

10M ago21:21

21:21

No matter how prepared you are going into an early meeting with your mortgage lender, there’s bound to be something you forget to ask. Everyone will have their own set of questions that pertain to their homebuying process, but there are a few that we encourage everyone to ask and get answered. Here’s some of what we’ll discuss in this episode: 0:00…

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Questions Your Mortgage Lender Should Be Asking You 23:18

11M ago23:18

23:18

While most lenders will provide you with everything you need, not everyone will ask the questions that will help you best determine what mortgage will fit you and your family best. In this episode, Bill is going to share a few of the questions that your lender should be asking you. If they aren’t or haven’t, it could raise a red flag and should req…

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Ep 29: Busting 5 Mortgage Myths 23:51

1y ago23:51

23:51

There are a lot of myths out there in the mortgage world, and today we’re going to debunk the five most common ones. While some of this information might’ve been true at one point in time, it is important to stay updated on how this information has changed as you navigate the home-buying process. In today’s episode, Bill will touch on a few myths f…

1
Ep 28: 9 Tips for a Smooth Loan Closing 21:01

1y ago21:01

21:01

Everyone wants to have a smooth closing day without any hiccups, but a lot of what could go wrong is in your control. In this episode, we’re going to give you nine tips to ensure that you have a loan closing that goes as expected without any surprises. Before we do that, we want to address the big financial news in March, which was the Silicon Vall…

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Ep 27: Ready for Pre-Approval? Here’s What to Expect 22:10

1y ago22:10

22:10

In this episode, Bill will take you through the process that we go through with clients at Cross Country Mortgage and explain the different types of approval that typically happens. Plus, he’ll provide a market update and share the economic data he’s paying closest attention to. Here’s some of what we’ll discuss on this episode: • A market update o…

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Ep 26: Building Wealth Through Homeownership 20:29

1+ y ago20:29

20:29

Many people weigh the decision of whether they should buy a home or continue renting, but there are some great benefits to homeownership that will allow you to build wealth over time. In this episode of the Smart Mortgage Show, Bill will share some of the numbers that show how wealth can grow through ownership and we’ll spend time talking about the…

1
Ep 25: What to Expect from 2023 14:55

1+ y ago14:55

14:55

2022 has been a volatile year. People did not expect rates to increase as much as they did, which has many wondering what 2023 has in store for us. In this episode, we will go over 2022 and how it affected the market. We will then look ahead into 2023 and contemplate what economists have been predicting will be in store for us. Listen to this week’…

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Ep 24: How 2-1 Buydowns Could Lower Your Interest Rates 20:07

1+ y ago20:07

20:07

With interest rates being the highest they have been in many years, Adjustable Rate Mortgages, or ARMs, are becoming more popular. There is a lot of stigma around ARMs due to the housing crash in 2008. In this episode, we are going to address some common concerns with ARMs and explain how they can be great resources for the right borrower. Listen t…

1
Ep 23: The Rise of the Adjustable Rate Mortgage 15:14

1+ y ago15:14

15:14

With interest rates being the highest they have been in many years, Adjustable Rate Mortgages, or ARMs, are becoming more popular. There is a lot of stigma around ARMs due to the housing crash in 2008. In this episode, we are going to address some common concerns with ARMs and explain how they can be great resources for the right borrower. Listen t…

1
Ep 22: Should I Use Points to Save Money? 12:51

1+ y ago12:51

12:51

Our current market has a lot of people seeking ways to save money. As the Feds work to bring inflation down, many are in anticipation of the interest rates eventually decreasing. Utilizing points has become increasingly more common and you may be wondering how effective they really are. In this episode, we will help you learn the fundamentals of po…

1
Ep 21: What to Expect from the Homebuying Process 14:49

1+ y ago14:49

14:49

First-time homebuyers can easily get caught off guard by the homebuying process. It can be long, exhausting, and requires a lot of documentation. To get through the process from start to finish as smoothly as possible, it is important to know what to be prepared for, what to expect from a lender, and what kind of realtor you should connect with. In…

1
Ep 20: Is It Still a Good Time to Buy a Home? 15:48

1+ y ago15:48

15:48

With interest rates on the rise and home values still holding their values, we’ve been hearing the question a lot: “Is it still a good time to buy?” Let’s take a deeper look at this question and share some of the historical data to give you a better perspective of where we are. The real estate market is constantly changing, and it’s important to al…

1
Ep 19: Services for First-Time Homebuyer 15:55

1+ y ago15:55

15:55

On this episode, Bill Litton will take you through the different services his team at CrossCountry Mortgage offer first-time homebuyers. About a third of the people we work with are doing this for the first time so we have a great idea of the needs you’ll be facing. Listen to this week’s show to learn more about: How we help educate homebuyers thro…

1
Ep 18: 6 Reasons to Buy a Home 17:50

1+ y ago17:50

17:50

A lot of people are worried that the housing market has been slowing down. But houses are still selling quickly and the market is still very strong. Rates are higher, but it still makes sense to buy. Mortgages are still cheaper than rent on average and there are various other benefits to owning a home. On today’s episode, we’ll explore 6 major reas…

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Ep 17: Mailbag – Closing Costs, Down Payments, and More 19:35

2y ago19:35

19:35

Let’s open up the mailbag on today’s show to answer some questions we have from potential home buyers in this high-interest rate market. What you’ll learn on this episode: “A friend told me I shouldn’t buy a home unless I can put 20% down. Is this wise advice?” (2:58) “Can closing costs be higher at one lender and lower at another?” (5:53) “Do you …

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Ep 16: What to Consider in This New Higher Rate Market 14:54

2y ago14:54

14:54

Interest rates are rising and it seems likely that they will continue to do so. Historically, rates are still not bad. But a jump from 2.5% to 6% is a big jump and it’s changing the housing market and the trends we are seeing. With inflation still very high, we should expect to see these higher rates for a while. So, what are some of the things you…

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Ep 15: Mailbag – Inheriting a Mortgage, Home Improvements, and More 14:27

2y ago14:27

14:27

With various changes in the market, many listeners have questions about the mortgage process and what they should expect in the coming weeks and months. On today’s episode, we’ll break down each question and the vital things you need to consider when looking for your next home. What you’ll learn on this episode: Sean is inheriting a home that has a…

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Ep 14: 2022 Issues and Mortgage Rate Increases 14:55

2y ago14:55

14:55

Interest rates for mortgages have crept over 6% and it’s been the big story as we head into the summer. Anyone looking to buy or sell a home right now is probably wondering what these rate hikes will mean for the real estate market that’s been going strong for some time. We’ll get Bill’s thoughts on these upward trends and their impact moving forwa…

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Ep 13: Mailbag - Co-Buying, Pre-Qualification, and More 13:54

2y ago13:54

13:54

Today, we’re going to open up the mailbag to answer some questions from our listeners. Abby’s friend told her that a 20% downpayment is financially necessary. Is this true? This is a common misconception and we see even those with 20% available don’t choose to. Right now rates are still low and it’s going to come back to your financial plan. Carl i…

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Ep 12: Mailbag – Second Mortgages, Home Equity Loans, and More 9:10

2y ago9:10

9:10

We are opening up the mailbag today to answer some listener questions about the mortgages and refinancing. Alice asks whether there is a difference between getting a mortgage for one home versus a second home? They are going to look at a lot of the same things: income, credit, and debt ratio. But you want to be aware of new interest rate regulation…

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Ep 11: Agree or Disagree - Mortgage Frustrations From A Buyer's Perspective 15:38

2y ago15:38

15:38

A lot of people out there don’t know much about the mortgage process, which can lead to frustration once you are looking for a home. On today’s episode, we are going to break down a recent article by Architectural Digest, What No One Tells You About a Mortgage, and see whether Bill agrees or disagrees with some of the main points made in the articl…

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Ep 10: The Resurgence of Adjustable-Rate Mortgages 14:19

2y ago14:19

14:19

With inventory still low, the market is still rough out there for buyers. At the same time, interest rates are rising with inflation proving to be a bigger issue than anticipated. On today’s episode, we are going to discuss a CBS article that relates to some of these issues. With rising interest rates are borrowers returning to adjustable-rate mort…

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Ep 9: Top 7 Mortgage Tips 14:07

2y ago14:07

14:07

What should future home buyers know? On today’s episode, we discuss the top 7 mortgage tips out there and how they apply to the home buying process. Don’t let a non-exceptional credit score prevent you from applying for a mortgage. Even with a perfect score, you may be facing higher interest rates in the near future. Just like when you are shopping…

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Ep 8: True or False? Renting Costs Less Than Owning a Home 14:16

2y ago14:16

14:16

Spring is just around the corner and many people are starting to get pre-approved for the busy season. There is a lot of questions that come up during the home buying process. So, on today’s episode, we are going to play a fun round of true or false with some mortgage and refinancing topics. "It’s better to look at the APR and not just the interest…

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Ep 7: All About Credit – Part 2 11:15

2y ago11:15

11:15

How do lenders analyze credit for couples? Does a Co-signer help with credit? You’ve probably heard about the difference between a soft credit hit and a hard credit hit. Whenever you get pre-approved for a home, it’s a hard credit check. But this is different than an auto loan or student loan. There’s no way to shop for mortgages without having you…

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Ep 6: All About Credit – Part 1 9:12

2y ago9:12

9:12

A lot of people have questions about credit when it comes to buying a home. On today’s episode, we’ll explore some common questions, concerns, and misconceptions about credit. How does a credit score directly impact your ability to obtain a mortgage? If it’s too low you may not qualify for a mortgage loan. Having a good score can help you get the b…

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Ep 5: Market Updates - Cooldowns, Interest Rates, and More 9:04

2+ y ago9:04

9:04

What do you need to know about the current real estate market? It doesn’t seem that the market is cooling down just yet. We are still seeing bidding wars and multiple offers. While it may not be as intense in the market as it was a few months ago, you still need to be creative to stand out from other offers. Since September we’ve seen a steady clim…

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Ep 4: Mortgage Mythbusting - What's True and What is a Myth? 10:46

2+ y ago10:46

10:46

What’s true and what’s a myth when it comes to home buying and mortgages? On today’s episode, Bill is going to play myth-buster as we go through 7 different statements. Is it true you need to put 20% down? Does your down payment cover closing costs? While you don’t necessarily need to put all 20% down, it’s all going to depend on your situation. We…

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Ep 3: First Time Buyer Mistakes 12:13

2+ y ago12:13

12:13

Being a first-time homebuyer can be an overwhelming and confusing process. So, on today's episode, we will go over some first-time homebuyer mistakes. Now, these are not mistakes exclusively made by first-time buyers alone, they could happen to people buying their second or third home as well. Do you know how much house you can afford? We're here t…

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Ep 2: Refinancing Your Home Loan 101 14:36

2+ y ago14:36

14:36

In 2020 and 2021, you've probably heard a lot about refinancing. So, what does it actually mean to refinance your home loan? How can it help you and what are the qualifications? On today's episode, Bill is going to discuss refinancing and its implications. Whether you are looking for a lower interest rate or a shorter-term loan, there are valuable …

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Ep 1: Get To Know Bill Litton 17:04

2+ y ago17:04

17:04

If you have questions about the mortgage process of buying a home or the ins and outs of refinancing then this is the show for you. Join LendUS® Regional President Bill Litton as he breaks down key lending terms, answers listener questions, and provides you tons of tips and education about the mortgage world. You could save thousands of dollars on …

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