Listen Now

The holidays brings much pressure to over spend and unfortunately put families in debt situations which can be near impossible to recover from. Today we revolve around the topic of Debt, specifically to Holiday Credit Card Spending and how this impacts the US Household. Can our spending habits prevent us from purchasing a home? Is the equity in our homes a realistic plan to save us from credit card debt? Curious If you Should to Buy or Refi?Text or Call the MLO VIP Line for Your 10 minute No Obligation Review:503.847.9038Guests are NMLS Licensed Mortgage Advisors:Brie Fisher NMLS 266979Addison Nett NMLS 1542184Casey Carpenter NMLS 145813Christian Kemp NMLS 633627All Guests work for Finance of America Mortgage:Additional Company Notes:© Finance of America Mortgage LLC is licensed nationwide |  | NMLS ID #1071 | This is not a commitment to Lend. All scenarios are subject to approval, loan program, and underwriting decisions. Finance of America is an Equal Opportunity Lender

The new Mortgage Limits have been announced for 2021. In many cases around the nation, this directly impacts the buying power and budgets for families planning to buy and sell. Curious If you Should to Buy or Refi?Text or Call the MLO VIP Line for Your 10 minute No Obligation Review:503.847.9038 Guests are NMLS Licensed Mortgage Advisors: Brie Fisher NMLS 266979Addison Nett NMLS 1542184Casey Carpenter NMLS 145813Christian Kemp NMLS 633627 All Guests work for Finance of America Mortgage:Additional Company Notes:© Finance of America Mortgage LLC is licensed nationwide |  | NMLS ID #1071 | This is not a commitment to Lend. All scenarios are subject to approval, loan program, and underwriting decisions. Finance of America is an Equal Opportunity Lender

Today we are taking time to show our appreciation for all of our Service Members. MLO breaks down the top benefits of the VA Loan. Bonus Coverage Includes: Other VA Benefits outside of Mortgage and Real Estate to Know!Curious If you Should to Buy or Refi?Text or Call the MLO VIP Line for Your 10 minute No Obligation Review:503.847.9038Guests are NMLS Licensed Mortgage Advisors:Brie Fisher NMLS 266979Addison Nett NMLS 1542184Casey Carpenter NMLS 145813Christian Kemp NMLS 633627All Guests work for Finance of America Mortgage:Additional Company Notes:© Finance of America Mortgage LLC is licensed nationwide |  | NMLS ID #1071 | This is not a commitment to Lend. All scenarios are subject to approval, loan program, and underwriting decisions. Finance of America is an Equal Opportunity Lender

How can you prepare to take advantage of either outcome? With results currently pending, MLO discusses the impact on the markets of Stocks, Rates and Real Estate post election. Were the team's predictions from last week correct? Guests are NMLS Licensed Mortgage Advisors:Brie Fisher NMLS 266979Addison Nett NMLS 1542184Casey Carpenter NMLS 145813Christian Kemp NMLS 633627All Guests work for Finance of America Mortgage:Additional Company Notes:© Finance of America Mortgage LLC is licensed nationwide |  | NMLS ID #1071 | This is not a commitment to Lend. All scenarios are subject to approval, loan program, and underwriting decisions. Finance of America is an Equal Opportunity Lender

Can you purchase a complete tear down and finance in the renovation and repairs? How does this process work?Renovation Loans can be a strategic way minimize costly out of pocket repairs and potentially upgrade a house to exactly what you are needing in a home.Curious If you Should to Buy or Refi?Text or Call the MLO VIP Line for Your 10 minute No Obligation Review:503.847.9038Guests are NMLS Licensed Mortgage Advisors:Brie Fisher NMLS 266979Addison Nett NMLS 1542184Casey Carpenter NMLS 145813Christian Kemp NMLS 633627All Guests work for Finance of America Mortgage:Additional Company Notes:© Finance of America Mortgage LLC is licensed nationwide |  | NMLS ID #1071 | This is not a commitment to Lend. All scenarios are subject to approval, loan program, and underwriting decisions. Finance of America is an Equal Opportunity Lender

Approaching 1 week from the Presidential Election how will this impact your mortgage? What will happen to interest rates and the real estate market?MLO explores the past, current and potential future of how this impacts home owners and industry partners.Curious If you Should to Buy or Refi?Text or Call the MLO VIP Line for Your 10 minute No Obligation Review:503.847.9038Guests are NMLS Licensed Mortgage Advisors:Brie Fisher NMLS 266979Addison Nett NMLS 1542184Casey Carpenter NMLS 145813Christian Kemp NMLS 633627Additional Company Notes:© Finance of America Mortgage LLC is licensed nationwide |  | NMLS ID #1071 | This is not a commitment to Lend. All scenarios are subject to approval, loan program, and underwriting decisions. Finance of America is an Equal Opportunity LenderThe Historical Data Referenced in this episode was sourced from the following website articles:http://www.rpm-mtg.com/PDFs/POI-Interest-Rates-Election-Online.pdfhttps://www.thestreet.com/personal-finance/october-mortgage-rates-forecast-a-possible-pre-election-pause-nw

Season 2 Episode 1MLO introduces the newest team member Brie Fisher AKA the Mother of Mortgage to the Team. Brie guides us through the 3 Biggest Mistakes When Buying a Home in 2020. All Episodes Broadcasted on Video. Visit:www.facebook.com/MLOpodcastTake Advantage of our No Obligation Strategy Sessions:If you are considering to buy, sell, or refinance do not hesitate to call text or DM: 503.847.9038 info@modernloanofficers.com503.VIP.9038Guests are NMLS Licensed Mortgage Advisors:Brie Fisher NMLS 266979Addison Nett NMLS 1542184Casey Carpenter NMLS 145813Christian Kemp NMLS 633627All Guests work for Finance of America Mortgage:Additional Company Notes:© Finance of America Mortgage LLC is licensed nationwide |  | NMLS ID #1071 | This is not a commitment to Lend. All scenarios are subject to approval, loan program, and underwriting decisions. Finance of America is an Equal Opportunity Lender

MLO Rounds Out Season 1 by Reviewing the Top 5 Take Aways From All 40 Episodes. Conversation includes FHA & VA Loans, Shopping Your Lender, The Biggest Mistakes Made By Applicants in the Mortgage Process, why this isn't the right time to buy a house.  Take Advantage of our No Obligation Strategy Sessions:If you are considering to buy, sell, or refinance do not hesitate to call text or DM: 503.847.9038 info@modernloanofficers.com503.VIP.9038Additional Notes:Both guests are NMLS Licensed Mortgage Advisors:Addison Nett NMLS 1542184Casey Carpenter NMLS 145813Christian Kemp NMLS 633627All Guests work for Finance of America Mortgage:Additional Company Notes:© Finance of America Mortgage LLC is licensed nationwide |  | NMLS ID #1071 | This is not a commitment to Lend. All scenarios are subject to approval, loan program, and underwirting decisions. Finance of America is an Equal Opportunity Lender

What happens within the mortgage process after you have an accepted offer from the sellers? Many individuals get confused, are left in the dark or simply have too much going on to remember! Today MLO works through explaining the complexities of the process and how to feel more comfortable with the milestones from Accepted offer to Keys in your Hands!Don't have time to watch, Listen #MLOpodcast grab the newest episode wherever you grab your podcasts!Take Advantage of our No Obligation Strategy Sessions:If you are considering to buy, sell, or refinance do not hesitate to call text or DM:503.847.9038info@modernloanofficers.com503.VIP.9038Additional Notes:Both guests are NMLS Licensed Mortgage Advisors:Addison Nett NMLS 1542184Casey Carpenter NMLS 145813Both Guests work for Finance of America Mortgage:Additional Company Notes:© Finance of America Mortgage LLC is licensed nationwide | | NMLS ID #1071 | This is not a commitment to Lend. All scenarios are subject to approval, loan program, and underwirting decisions. Finance of America is an Equal Opportunity Lender

Today MLO has special guest, Heather Listy. Heather is one of the top Relocation Real Estate Agents for the Real Agent Now Team and is taking time to provide her top tips when relocating. If you are planning to move locally, to a new state or cross county, Heather has experienced the Good, Bad and Ugly when moving in 2020. Take Advantage of our No Obligation Strategy Sessions:If you are considering to buy, sell, or refinance do not hesitate to call text or DM: 503.847.9038 info@modernloanofficers.com503.VIP.9038Additional Notes:Both guests are NMLS Licensed Mortgage Advisors:Addison Nett NMLS 1542184Casey Carpenter NMLS 145813Both Guests work for Finance of America Mortgage:Additional Company Notes:© Finance of America Mortgage LLC is licensed nationwide |  | NMLS ID #1071 | This is not a commitment to Lend. All scenarios are subject to approval, loan program, and underwirting decisions.

As our Country continues to navigate through dozens of natural disasters nation wide, MLO is narrowing their focus today on Insurance Claims. Standard homeowners policies cover a wide range of potential disasters, today Greg Beery & Tyler Ross from Payne West Insurance join us for the need to know information on insurance claims specific to Natural DisastersWatch any of our Podcast on Video at: www.facebook.com/mlopodcastTake Advantage of our No Obligation Strategy Sessions:If you are considering to buy, sell, or refinance do not hesitate to call text or DM: 503.847.9038 info@modernloanofficers.com503.VIP.9038Additional Notes:All 3 guests are NMLS Licensed Mortgage Advisors:Christian Kemp NMLS 633627Addison Nett NMLS 1542184Casey Carpenter NMLS 145813All 3 Guests work for Finance of America Mortgage:Additional Company Notes:© Finance of America Mortgage LLC is licensed nationwide |  | NMLS ID #1071.

In this episode MLO reviews the loan documents a lender will likely request for your loan application. The agenda runs through simplistic basics, self employed applicants and unique scenarios. It is never too early to have an understanding of what potentially could be requested and why. Being prepared and organized can save you stress, time and money throughout the Home Buying, Selling and Refinancing Process  Take Advantage of our No Obligation Strategy Sessions:If you are considering to buy, sell, or refinance do not hesitate to call text or DM: 503.847.9038 info@modernloanofficers.com503.VIP.9038Additional Notes:All 3 guests are NMLS Licensed Mortgage Advisors:Christian Kemp NMLS 633627Addison Nett NMLS 1542184Casey Carpenter NMLS 145813Scott Kurahara NMLS 888734All 3 Guests work for Finance of America Mortgage:Additional Company Notes:© Finance of America Mortgage LLC is licensed nationwide |  | NMLS ID #1071

In this episode MLO reviews the top 10 home improvement projects that historical give the best return on investment.  What is worth our time and money?What maintenance projects should we Never overlook? Open Houses: what improvements get noticed and sell for more?Investors: How Navigate through budgets of improvement for rental propertiesWhat Financing Options Should we Consider for Home Improvements?Most Episodes Broadcasted Live in Studio and available to watch on Facebook or YouTube:www.facebook.com/MLOpodcastTake Advantage of our No Obligation Strategy Sessions:If you are considering to buy, sell, or refinance do not hesitate to call text or DM: 503.847.9038 info@modernloanofficers.com503.VIP.9038Additional Notes:All 3 guests are NMLS Licensed Mortgage Advisors:Christian Kemp NMLS 633627Addison Nett NMLS 1542184Casey Carpenter NMLS 145813All 3 Guests work for Finance of America Mortgage:Additional Company Notes:© Finance of America Mortgage LLC is licensed nationwide |  | NMLS ID #1071

What is cheap insurance? Are you covered for the average homeowner claim? We will talking about the types of coverages that usually aren't on a homeowners policy.  Ask yourself, do I have a basic policy or a policy for me.Grab the Episode wherever you get your Podcasts. Or directly listen on www.modernloanofficers.comMost Episodes Broadcasted Live in Studio and available to watch on Facebook or YouTube Take Advantage of our No Obligation Strategy Sessions:If you are considering to buy, sell, or refinance do not hesitate to call text or DM: 503.847.9038 info@modernloanofficers.com503.VIP.9038

Even with Low Interest Rates, many Home Owners are determined not to be a salve to debt and interest payments. Strategically understanding your payment options and positioning yourself for an early pay off of your mortgage could be the difference retiring early or never.....Grab the Episode wherever you get your Podcasts. Or directly listen on www.modernloanofficers.comMost Episodes Broadcasted Live in Studio and available to watch on Facebook or YouTube Take Advantage of our No Obligation Strategy Sessions:If you are considering to buy, sell, or refinance do not hesitate to call text or DM: 503.847.9038 info@modernloanofficers.com503.VIP.9038Additional Notes:All 3 guests are NMLS Licensed Mortgage Advisors:Christian Kemp NMLS 633627Addison Nett NMLS 1542184Casey Carpenter NMLS 145813All 3 Guests work for Finance of America Mortgage:Additional Company Notes:© Finance of America Mortgage LLC is licensed nationwide |  | NMLS ID #1071

Advertising, Social Media and word of mouth can spread like wildfire. Backyard opinions of the mortgage process and industry are not worthy sources to trust when it comes to one of the largest investments of your lifetime. On today's episode MLO bullets the 5 most common myths of Mortgages. Grab the Episode wherever you get your Podcasts. Or directly listen on www.modernloanofficers.comMost Episodes Broadcasted Live in Studio and available to watch on Facebook or YouTube Take Advantage of our No Obligation Strategy Sessions:If you are considering to buy, sell, or refinance do not hesitate to call text or DM: 503.847.9038 info@modernloanofficers.com503.VIP.9038Additional Notes:All 3 guests are NMLS Licensed Mortgage Advisors:Christian Kemp NMLS 633627Addison Nett NMLS 1542184Casey Carpenter NMLS 145813All 3 Guests work for Finance of America Mortgage:Additional Company Notes:© Finance of America Mortgage LLC is licensed nationwide |  | NMLS ID #1071

It is no secret that the United States has and will continue to have a Housing Crisis. According to JLL commercial real estate company, Quarter 2 of 2020 demonstrated a 53.4% drop in gross leasing volume.Will this be our solution to the Residential Housing Crisis? How will these building covert over time and improve the chances for home buyers with increased inventory?Grab the Episode wherever you get your Podcasts. Or directly listen on www.modernloanofficers.comWatch this LIVE Studio Broadcast on Video:https://www.facebook.com/MLOpodcastMost Episodes Broadcasted Live in Studio and available to watch on Facebook or YouTube Take Advantage of our No Obligation Strategy Sessions:If you are considering to buy, sell, or refinance do not hesitate to call text or DM: 503.847.9038 info@modernloanofficers.com503.VIP.9038Additional Notes:All 3 guests are NMLS Licensed Mortgage Advisors:Christian Kemp NMLS 633627Addison Nett NMLS 1542184Casey Carpenter NMLS 145813All 3 Guests work for Finance of America Mortgage:Additional Company Notes:© Finance of America Mortgage LLC is licensed nationwide |  | NMLS ID #1071

Numerous homebuyers feel the mortgage experience is overwhelming and stressful. Today MLO discusses 5 ways home buyers make the process even more difficult than it needs to be.Live Broadcast Available to be viewed on: https://www.facebook.com/MLOpodcastTake Advantage of our No Obligation Strategy Sessions:If you are considering to buy, sell, or refinance do not hesitate to call text or DM: 503.847.9038 info@modernloanofficers.com503.VIP.9038Additional Notes:All 3 guests are NMLS Licensed Mortgage Advisors:Christian Kemp NMLS 633627Addison Nett NMLS 1542184Casey Carpenter NMLS 145813All 3 Guests work for Finance of America Mortgage:Additional Company Notes:© Finance of America Mortgage LLC is licensed nationwide |  | NMLS ID #1071

Refinancing just became more Expensive! Fannie & Freddie announced a 0.5% fee to all refinances. This roughly translates into an average $1,400 added onto the cost of a refinance, but can be higher or lower, depending on the size of the loan. The new charge is likely to go into effect on Sept. 1.The change is being made by the Federal Housing Finance Agency, which oversees Fannie and Freddie, as a way to ward off potential losses as a result of the pandemic-induced recession.Take Advantage of our No Obligation Strategy Sessions:If you are considering to buy, sell, or refinance do not hesitate to call text or DM: 503.847.9038 info@modernloanofficers.com503.VIP.9038Additional Notes:All 3 guests are NMLS Licensed Mortgage Advisors:Christian Kemp NMLS 633627Addison Nett NMLS 1542184Casey Carpenter NMLS 145813All 3 Guests work for Finance of America Mortgage:Additional Company Notes:© Finance of America Mortgage LLC is licensed nationwide |  | NMLS ID #1071

VA Indicates Millennials Accounted for 1/3 of all VA Loans Last YearIt is important to understand the major benefits to VA loans. Today we are unloading the TOP 3 reasons why Millennials are taking advantage of this Home Buying Program.Take Advantage of our No Obligation Strategy Sessions:If you are considering to buy, sell, or refinance do not hesitate to call text or DM: 503.847.9038 info@modernloanofficers.com503.VIP.9038Additional Notes:All 3 guests are NMLS Licensed Mortgage Advisors:Christian Kemp NMLS 633627Addison Nett NMLS 1542184Casey Carpenter NMLS 145813All 3 Guests work for Finance of America Mortgage:Additional Company Notes:© Finance of America Mortgage LLC is licensed nationwide |  | NMLS ID #1071