Bästa Hartbeat podcaster (2024)

1
FHA or Conventional- Which One is Right for Me? | Finding The Best Loan Type for You 5:12

9M ago5:12

5:12

We get asked this a lot from first time home buyers, “Is FHA the best loan for me?” and today we are going to talk about it! The truth is… it depends! Every situation is different, and every loan is different. So, we are going to talk about some reasons why FHA or Conventional may be better for you!I do Mortgages for a living, if I can ever help yo…

1
Delayed Cash Out | Get Your Cash Back From Your Home Purchase 2:54

11M ago2:54

2:54

If you are considering paying cash for your home, but don’t want to be stuck depleting your asset accounts, we have a product that can help! Maybe you planned to pay with financing, but it fell through, and you had to use your retirement account. Or maybe you wanted to have an edge over financed buyers and decided to take your money out of your 401…

1
Let’s Talk Income | Qualifying with Different or Complex Income Situations 4:51

12M ago4:51

4:51

Do you get bonuses? How about overtime, or maybe even commission? Today we are going to talk about these unique income situations and why your lender will want to see a strong history of these types of income. Let’s go!I do Mortgages for a living, if I can ever help you buy or refinance a home let me know!• Apply for a mortgage now https://myvandyk…

1
Refinance to Payoff Debt | Paying Off Credit Cards with Your Home Equity 6:06

12M ago6:06

6:06

We have talked about it before, but there is always someone out there who needs to hear this. If you are stuck under debt, whether its credit cards, student loans or medical bills, your house just might be the answer. We can talk about how you could use the equity in your home to pay off these accounts and get out from under the debt! We just helpe…

1
Local Lenders Vs Big Banks | Why Use a Local Lender? 5:35

1y ago5:35

5:35

When it comes to getting a mortgage, who you use matters. We have talked about it before but there are some big differences between using a local lender and a big bank. Today I want to talk about some of those points, because getting a mortgage is one of the biggest purchases you will make, and we want your experience to be as smooth and painless a…

1
Qualify Vs Afford, what is the Difference? | What is the Right Payment for You? 4:16

1y ago4:16

4:16

Most of the time people who are looking to get pre-approved are focused on finding out what they can qualify for. BUT today I want to talk to you about the difference between what you can afford, and what you can qualify for because they are not always the same. Getting your payments where they need to be is a huge part of the mortgage process, so …

1
What Goes Into Your DTI?| How Do Lenders Calculate Your Debt To Income Ratio? 3:51

1y ago3:51

3:51

You may have heard the term DTI: Debt to Income Ratio. You may have even tried to start figuring out and calculating what your debt to income is for your loan. But what does this really mean, how do you figure out what your ratio is? The first step is to understand what goes into your ratio, we’re talking about it today! I do Mortgages for a living…

1
Does The Seller Get a Copy of Your Appraisal? | Seller's Rights to Your Appraisal? 2:23

1y ago2:23

2:23

he other day we had a listing agent and seller ask us for a copy of the appraisal. Is there anything wrong with that? No, there isn’t anything wrong with the seller’s requesting a copy of the appraisal. BUT, the kicker is it really isn’t ours to give. As a buyer, when you pay for your appraisal, it belongs to you! So as the lender we always refer t…

1
Looking to Take Cash Out from Your Manufactured Home? | We Can Help! 3:17

1y ago3:17

3:17

Cash out for manufactured homes, there is a lot of buzz around this topic lately, some lenders may not offer any products that cater to manufactured homes. If you have a manufactured home, and you own the land as well we have some loan options that can help you tap into the equity in your home and pull cash out. Let’s talk about how that could bene…

1
Saving Over a Thousand Dollars a Month! | Ending the Debt Cycle with HUGE Savings! 4:47

1y ago4:47

4:47

I always love it when we can close these types of loans. Recently we had a past client of ours talk to us about doing a cash out refinance to pay off credit cards and some other debts she had. She was buried and it would have taken her a very long time to get out from under the debt she had hanging over her. We know that can be a tough struggle and…

1
Were You Affected By Hurricane Ian? | Tax Tips for Hurricane Recovery with Matt Caldwell 9:45

1+ y ago9:45

9:45

If you live in Lee county and you had any damage due to Hurricane Ian, this video is for you! I'm talking with Matt Caldwell from Lee County Property Appraiser about what they are doing to help out Lee County residents effected by the hurricane. If you have any damage, no matter if its missing shingles and a ripped screen, or if you took on 3 ft of…

1
Tax Breaks for Lee County Residents With Matt Caldwell | LEEPA Exemptions YOU Should Know! 25:31

1+ y ago25:31

25:31

Are you a homeowner in Lee County? Or purchasing a new property and moving to Lee County? You won't want to miss this video I did with Matt Caldwell of Lee County Property Appraisers. He was nice enough to come on and talk to us about all of the different exemptions for Lee County residents to take advantage of. We cover how homestead exemption wor…

1
Accepting FHA and VA Offers | DON'T Count Them Out! 3:05

1+ y ago3:05

3:05

We see this a lot, Sellers concerned about accepting offers from an FHA or VA financed buyer. Let me tell you, you SHOULD consider these offers just as carefully as the rest! FHA and VA buyers have to go through the same pre-approval process with us that conventional buyers do, and that means they are also verified and qualified to buy your home! L…

1
Does Credit Repair Work? | Your Credit Questions Answered 16:14

1+ y ago16:14

16:14

Is credit repair really worth it? What does credit repair really do? How is my credit score calculated? You might have asked yourself some of those questions before. Today we are talking with Alyssa Scott to get the answers to those and other credit questions. Credit repair can absolutely be worth it, but its important you understand how it works, …

1
The Mortgage Process Isn't Over When You Sign: Understanding Loan Funding 4:05

2y ago4:05

4:05

Are you about to close on your mortgage ? Signing the documents might feel like the end of the journey, but it's not over yet. You still have to wait for the loan to fund. In this video, we'll explain what loan funding is and why your not quite done at the closing table. We'll also discuss the factors that can affect the loan funding and share some…

1
Private Roads Take Me Home | Buying a Home on a Private Road 4:11

2y ago4:11

4:11

In this video, we'll cover private roads and how they affect your ability to secure an FHA, VA or Conventional loan. We'll discuss challenges, requirements, and tips buying a home on a private road. Whether you're a first-time homebuyer or an experienced investor, this is a must-watch for anyone considering a home on a private road.I do Mortgages f…

1
Realtors: Help Your Buyers Purchase for a Disabled Loved One | Purchase a Second Primary 2:53

2y ago2:53

2:53

REALTORS: Do you have a client who is looking to purchase a home for their handicapped or disabled parent or child? GOOD NEWS! We can get them primary residence rates! Florida allows for a parent to purchase a home for their handicapped or disabled child, as a primary residence. This means they wont have to deal with vacation home, or investment pr…

1
Realtors: How To Be A Team Player 3:58

2y ago3:58

3:58

During a financing transaction, there are a million moving parts and industries all involved in the closing transaction. Title, lender, appraisal, insurance, both agents, buyer, seller, surveyor, home inspector and on and on. If you do enough deals, you will have some go sideways. When this happens, it is our advice that everyone involved maintain …

1
REALTORS: What Your Buyer Needs To Know To Have A Smooth Mortgage Process! 4:47

2y ago4:47

4:47

Financed deals can be a lot of work with many moving parts. It can be very cumbersome and there are tips you can convey to your borrower to help them have a successful mortgage transaction. I touch on many different mortgage tips for your buyer in this episode. Don’t pull credit, quit jobs, change pays, pay off random debt, move around and many mor…

1
Are Seller Concessions Making a Comeback? | Signs Of A Buyers Market? 3:10

2y ago3:10

3:10

Are Seller concessions making a comeback? Maybe… I have seen several contracts come in with seller concessions which has been a rare sight the last couple years. Signs of a buyers’ market creeping in? I’m not sure but I do like it for our borrowers that have been struggling to get under contract for a couple years. Each loan type has different amou…

1
Are Your Buyer Leads Being Sold To Competitors? 4:26

2y ago4:26

4:26

When you refer your buyer to a preferred lender, that lender will need to pull credit. When that credit pull happens the credit bureaus sell that information to other lenders. We have been hearing rumblings of other lenders joining up with lenders to work those buyers together. Listen to this episode to hear what you can do to stop it. You will wan…

1
Never Disqualify A Buyer Without Talking To A Lender 3:58

2y ago3:58

3:58

Have you ever thought you can’t get approved for something and so you don’t try? It happens all the time in the mortgage business. We talk to a borrower, and they give us all the reasons we won’t pre-approve them. We do the application, and they get pre-approved. Don’t get me wrong, there are times where they borrower still gets denied but we can t…

1
Unlimited Properties For Investors | No Income Verification 1:32

2y ago1:32

1:32

Are you a real estate investor that is looking to acquire more properties but do not claim enough income on your tax returns? This loan may be for you! Our investor loan will allow you to buy unlimited properties if your mortgage payment does not exceed the market rent on the property. You also must currently own a home. Check out this episode to l…

1
FHA Flipping Rule Explained | Conventional Flipping Rule | VA Flipping Rule 2:20

2y ago2:20

2:20

With our market in SWFL having more rehabbed properties coming onto the market, it is a good time to remind you of FHA Flipping Rule. If the Seller has owned the property for 90 days or less, then you can’t go under contract with an FHA buyer. You will need the buyer to go under contract on Day 91. This rule does not apply to Conventional or VA. If…

1
Can You Finance A House AND Include The Lot Beside It? 1:59

2y ago1:59

1:59

I see this situation often. Seller is selling a house and they own the land beside or behind it. They want to include the land in the sale BUT the land is a separate parcel. Can this all be financed with one mortgage, or does the lot have to be joined with the house on the same parcel? The short answer is that as long as the lot is connected to the…

1
HomeTown Heroes | Down Payment Assistance In Florida 6:40

2y ago6:40

6:40

Down Payment Assistance is available in Florida for certain professions like Teacher, Police Officer, Veterans, Firefighter, Nurse and many others. This program started on June 1st and is available to First Time Homebuyers in Florida. The buyer can get 5% of the loan amount up to $25,000, whichever is less. First Time Homebuyer is someone that has …

1
What Is The Punishment For Texting & Driving? | Driving While Texting 24:00

2y ago24:00

24:00

What will happen if you get in an accident while texting while driving? This question was on my mind and I decided to talk to my friend, Leland Garvin with Garvin Law Firm. You and I both see it when you are driving. Car after car driving by, head down, reading their phone while driving. It happens a lot! Leland and I discuss the penalties for driv…

1
Realtors- Would You Refer Buyers To A Lender Owned By A Real Estate Company? 3:26

2y ago3:26

3:26

Question for Realtors. Would You Refer Buyers To A Lender Owned By A Real Estate Company? This question has been on my mind for the last several months as I watch another real estate company start up a mortgage company. I don’t blame the real estate for doing it and it is perfectly legal. I do wonder if this affects the lender getting outside busin…

1
Hurricane Ian Homeowners Insurance Claim Tips | Should I Make An Insurance Claim For Hurricane Ian? 4:53

2y ago4:53

4:53

We just finished a Facebook Live video and it is loaded with great information for anyone that is thinking about filing a claim or is in the process of filing a claim due to Hurricane Ian. I wanted to share this with you right away. Brian Chapman of Chapman Insurance covered so many parts of the claims process. Please share this episode with someon…

1
When The Same Loan Amount Equals Different Payments 4:26

2+ y ago4:26

4:26

When The Same Loan Amount Equals Different Payments If you are out shopping for a home then you will want to listen to this episode! Let’s just say you have a pre-approval for $500k and are doing 20% down. Loan amount of $400k. In this episode, I explain how the same loan amount can equal much different monthly payment amounts. Here is a short test…

1
What is a Certificate of Deposit? | What is a CD? 12:33

2+ y ago12:33

12:33

Erin Fusco from Valley Bank gave a presentation to our networking group and I thought it was really good. She answered the question “What is a Certificate of Deposit?” As usual, when I see or hear interesting content, I like to share it. Check out the video to learn more about CD’s. You can also reach out to Erin at if you have any other questions …

1
New Loan Officer Interview: Jerry Roames 9:07

2+ y ago9:07

9:07

Get to know one of our new Loan Officers, Jerry Roames. He joined our team in August and is located in Ocala, Florida. We got a chance to discuss why he got back into the mortgage business, his goals and how being a pastor has helped him in the mortgage business. We also get to ask him some less serious questions like his favorite food and movie. S…

1
Meet Our Loan Officer: Nelson Fernandez 9:10

2+ y ago9:10

9:10

Today we get to know Nelson Fernandez. Nelson has been a Loan Officer with us for over a year now. He is bi-lingual speaking Spanish and English. Nelson has been a great asset to our team. He is licensed in PA and Florida and will be happy to help you anytime. In this interview we get to hear what Nelson hopes client know about him, his favorite mo…

1
I Applied For A Mortgage. Why Are Lenders Blowing My Phone Up? 2:52

2+ y ago2:52

2:52

You may have applied for a mortgage or car loan in the past and the next thing you know, lenders or dealers are blowing up your phone to apply. It happens all the time when people apply for a mortgage, credit card or car loan. In the mortgage business these are called Trigger Leads. When a borrower has their credit pulled the bureaus, Equifax, Expe…

1
Meet Our New Loan Officer: Anthony Bellegante 8:00

2+ y ago8:00

8:00

Get to know our new Loan Officer, Anthony Bellegante. Anthony is a Loan Officer that joined us in 6/22 and is licensed in Indiana, Michigan and Florida. Get to know our new Loan Officer, Anthony Bellegante. Anthony is a Loan Officer that joined us in 6/22 and is licensed in Indiana, Michigan and Florida. We got to spend some time with him to get hi…

1
Manufactured Home Cash Out Refinance 2:23

2+ y ago2:23

2:23

Manufactured Homes are limited in options when you pertains to refinancing or purchasing. We are able to help with several different programs. Cash out refinance is an option as well. There limitations and I discuss them in this episode. Main points is that your limited on loan to value of 70% AND can only do a 20 year term. You will still have the…

1
I Have a Fixed Rate Mortgage. Why Did My Payment Go Up? 4:37

2+ y ago4:37

4:37

We have been getting calls like this over the last couple weeks so this may or may not have happened to you. A mortgage with escrows get reviewed once a year by your mortgage holder. When this review happens, the lender needs to ensure that they are collecting enough money to cover your real estate taxes and insurances when that bill comes due. Man…

1
BUYER TIP: What Are Escrows? | Can I Waive My Escrows? 3:00

2+ y ago3:00

3:00

What are escrows? Do you need them? What does it mean when you waive escrows? Were going over everything you need to know about escrows today. If you have questions on how escrows work to help pay your property taxes and homeowners insurance, I hope this helps! Let us know if you have any questions, happy to help! I do Mortgages for a living, if I …

1
REALTOR TIP: Current Reasons To Call Your Database 3:35

2+ y ago3:35

3:35

I know most Realtors will try to keep in touch with their database so I thought I would throw you a few ideas if you wanted to reach out to them. Having something to say can get tough. Here are a few ideas for you if you wanted to call, text or email them this week. • Homeowners insurance rates- Ask if they have shopped their insurance this year? L…

1
Who Is On Your Team? 2:47

2+ y ago2:47

2:47

I was reminded last week on how important it is for all of us to control the transaction as much as we can. As a Realtor, you get a lot of say in who your buyer or seller will use. In this video I discuss the importance of having a reliable team around you to help ensure your transaction closing in a smooth and timely fashion. Listen in to learn mo…

1
Buyer Is Forced To Use Builders Lenders 4:05

2+ y ago4:05

4:05

Oh boy is this a rough one for us lenders. We pre-approve the buyer. Underwrite the entire file. Super pumped because the buyers are serious and making offers. Then the find a new construction the love and the builder offers them $5k in closing costs if they use the Builders lender OR they can use us and get ZERO. Lol Happens all the time and it st…

1
What Is Going On With Mortgage Rates & Where Are They Heading? | Mortgage Interest Rates 18:46

2+ y ago18:46

18:46

Mortgage rates have been increasing this year off the all-time lows of 2020 and 2021. It stinks because those couple years were amazing but that was maybe a once in a lifetime type of situation. Now we are entering back into a normal market. There still is concern with where the interest rate market is going so I brought on our Vice President of Se…

1
Solutions For High Net Worth Buyers WITH No Income | Asset Depletion 16:55

2+ y ago16:55

16:55

Many times high net worth borrowers will have large amount of assets but not be able to prove the income needed to qualify for the mortgage. They can probably pay for the mortgage 5 or 10 times with their assets but they want to use someone else’s money for the mortgage. If you have someone like that, please listen to this video I did with Jerry Sa…

1
Buyer Advice: Apply Today If You Want To Buy & Are In A Rental Lease 4:12

2+ y ago4:12

4:12

Here is the situation you want to avoid as a buyer. Buyer wants to buy a home and their rental lease is up in 10 months. They wait until about the 8 month mark to start the pre-approval process. Surprise! Two collections showed up that they were not aware of. Their credit score is not high enough and there is not enough time to fix it before their …

1
We Can Do Bridge Loans! | How To Buy A Home WITHOUT Having Current Home Sold 16:45

2+ y ago16:45

16:45

Many times people want to buy a new home but do not want to go thru the stress of having their current home sold or they worry the house won’t be sold in time. This Bridge Loan will allow them to buy the new home while waiting for their current home to be sold. Be sure to check out the video I did with Elizabeth Schermerhorn explaining the product.…

1
Foreign National Loans | ITIN Loans 8:18

2+ y ago8:18

8:18

Foreign National loans are for people that are not residents of the US. In this video, myself and Stacy Flanigan explain Foreign National and ITIN loans. No income or credit score is required for the foreign national loan. The ITIN loan will require income. Check out this episode to learn more. Be sure to share this with anyone you know that may be…

1
Investor Cash Flow Loan | DSCR Explained 8:24

2+ y ago8:24

8:24

In this video myself and Stacey Flanigan discuss the Investor Cash Flow Loan aka DSCR. Don’t worry, we explain what DSCR means. This video is a must watch for any real estate investor. Check out this video to learn more. Call my office at 239-437-4278 or email me at timteam@vandykmortgage.com with any questions or concerns that you may have. Be sur…

1
Medical Collections Being Removed From Credit Reports 10:01

2+ y ago10:01

10:01

Medical Collections Being Removed From Credit Reports Starting on July 1, 2022 there are some big changes coming to the credit reporting for consumers. This is great news for consumers! Medical collections will not be able to report to the consumer credits report for 365 days. This will give the consumer more time to work with their insurance compa…

1
Bank Statement Loan Explained | Self Employed Mortgage Loans 9:22

2+ y ago9:22

9:22

In this episode myself and Stacey Flanigan explain Bank Statement loans for self employed borrowers. This is an excellent way for self employed borrowers to finance property. No tax returns are required and the average deposits into your personal or business accounts become your income. This loan will work for anyone that is 1099 as well. It can be…

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