Can you imagine a world void of financial crisis! A world where money, and our individual relationship with it, uplifts, supports and even nourishes our lives! Wow…hard to believe isn’t it? Subscribe with your favorite podcast player Android RSS The truth is that a lot of our thoughts, habits, and beliefs about money originate all the way back to our birth. We are often taught as children to never talk about it. If our family struggled, it can often be a source of shame and guilt to the point th...
Jun 17, 2013•29 min
The phone rings. You glare at the phone, you begin to sweat and little by little panic begins to set in with each ring. You don’t know what to do! You are afraid to answer it, because it just might be a creditor or a collection company calling looking for payment? Subscribe with your favorite podcast player Android RSS Maybe if you ignore it, they will stop calling? If you have ever found yourself here…you’re not alone. But don’t let fear, embarrassment, or the emotional and physical anchor of d...
Jun 03, 2013•28 min
In the last several years of credit crisis and the burst of America’s housing bubble, we’ve witnessed the collapse of the mortgage industry as we know it. Change, change and more change has haunted the mortgage industry pretty much on a daily basis. Changes that were actually a reversion back to original lending guidelines from years past and NEW federally mandated policy and disclosures designed to protect us from ourselves have complicated the home buying process and continue to muddy the wate...
May 20, 2013•32 min
I was reading an article yesterday entitled “Homeownership Rate Declines to Lowest Level since 1995” and I can’t help but question how the continued wave of foreclosures, media hype and negativity about the housing market, and restrictive lending policies are playing a part in the decision making process for today’s home buyer. Remember the old saying, “Once burned, twice shy?” and…well, do you blame them? You may be there yourself! Today, consumers contemplating the dream of homeownership feel ...
May 06, 2013•32 min
Are you fed up with the credit crisis? Does your financial life feel totally out of control? When you begin to think about buying a home or getting a mortgage , do the stories you hear from friends, family, or the media leave you feeling confused, frustrated, and not sure where to turn? Today’s NEW mortgage environment can be overwhelming and leave you feeling completely lost, but it doesn’t have to be that way and education is the key! Take back your control and the dream of homeownership can b...
Apr 22, 2013•29 min
Buying a home is usually one of the biggest dreams we have as adults, but signing and closing on a mortgage loan is really just the beginning of your homeowner responsibilities. Subscribe with your favorite podcast player Android RSS I recently ran across a great blog post on How to Budget for Home Maintenance by Adam Faughn and I just had to share it with you. It’s always important to factor into your life the unpredictable or unexpected things that can show up and blindside you, if you are not...
Apr 08, 2013•30 min
Have you ever wanted to own a piece of land to grow your own food? Maybe…your dream is cleaner air, sunny skies, and starlight nights on a water property where you can retire? Today, Rural America is becoming more and more popular among new home buyers, but…do you know that homes with land come with their own set of requirements when it comes to financing! You’ll eliminate a lot of stress and headaches, if you do your homework before you begin the process! Subscribe with your favorite podcast pl...
Mar 25, 2013•30 min
Your child is headed off to college and the moment they arrive, they are bombarded with the continued threat of debt as student loans and credit card promotions compete to occupy their mind! Will they be ready? Do they have a financial success plan already in place? Join me today as my guest, Gail Haynes, Author of The Lemonade Stand Millionaire discuss how parents can start conversations about money, how to get a mortgage, and business with our kids at any age—even as early as two years old. Su...
Mar 11, 2013•32 min
Most people borrow money to purchase something they can’t afford to pay for in a lump sum with cash, usually consisting of a home, autos, and college. When used properly, debt can be a very valuable tool in achieving your financial goals and can even make you money over time. But, used incorrectly…it has the power to wreak havoc on our financial life, emotional life, and relationships that can be devastating! So…the big question really is, how do we know the difference between good debt and bad ...
Feb 25, 2013•32 min
You are standing in a local department store and you’re about to make a purchase. You pull out your credit card to pay for the item. You want it and you want it NOW!!! The gratification that we get from plastic is just like any other form of drug, it feeds our needs when we’re happy, sad, hungry, depressed, worried, confused and the list goes on… Subscribe with your favorite podcast player Android RSS But… what kind of affect does it have on our overall financial health? As I reviewed the statis...
Feb 11, 2013•33 min
You’re sitting across the desk from a lender and they’re about to pull a credit report. You find yourself beginning to sweat as you wait for the number that may change your life! Subscribe with your favorite podcast player Android RSS It’s your credit score! You ask yourself, “Do I even know what’s on my credit report?” Will it be good news or bad news? And…what’s even more concerning, it seems like every creditor has their own definition of what they consider “good vs. bad” credit, so how are y...
Jan 28, 2013•21 min
It’s month end…time to pay bills and you ask yourself, “Where does all our money go? I work hard, I make good money, but there is always more month than money?” Subscribe with your favorite podcast player Android RSS In today’s reeling economy, more and more consumers are struggling to get control of their finances. Most people don’t realize it, but it all begins with a belief system deeply rooted within each of us that shapes our views and feelings about money. We are taught as children that it...
Dec 17, 2012•28 min
Imagine yourself sitting at your kitchen table in shock as you break into a sweat, asking yourself, “How did this happen to me?” Subscribe with your favorite podcast player Android RSS You’ve just been laid off, down-sized, or your employer has gone out of business due to the economy. You’re unable to make your house payment this month and the future is looking grim! Fear sets in and you’re quickly becoming numb and panicked. STOP!!! Don’t go there… Don’t let fear get the best of you and allow i...
Dec 03, 2012•31 min
Have you ever been so overwhelmed with emotion or a problem that you’re paralyzed with fear? Has the mortgage credit crisis left your head spinning as the value of your home dropped by 50 to 60%, leaving you upside down with no equity? Are you falling behind on your house payments and you’re afraid to answer the phone, because…it may be the bank calling? Subscribe with your favorite podcast player Android RSS If so, YOU’RE NOT ALONE! Join me today as my guest, Christine Browning of Home Smart Ce...
Nov 19, 2012•32 min
As I watched the news coverage on Hurricane Sandy, I was overwhelmed with the destruction and force of this super storm! Subscribe with your favorite podcast player Android RSS It made me realize how blessed I am to live where Mother Nature’s wrath is a lot more forgiving! But, then I got to thinking about how being PREPARED can help us weather any type of storm! In a mortgage/housing market where power, money, and greed are around every corner…having a dedicated professional in your corner can ...
Nov 05, 2012•29 min
Today on “Surviving the Credit Crisis” we will be discussing one of the hottest, most controversial topics in the mortgage business “Shopping for a Lender – The Interview Process.” Subscribe with your favorite podcast player Android RSS One of the biggest decisions that you will make in the Home Buying Process will be choosing and working with a lender. Not only picking a reliable financial institution, but more importantly a knowledgeable, experienced loan officer within that financial institut...
Oct 22, 2012•27 min
Have you ever experienced that sick, panicky feeling in the pit of your stomach when you realize you’re lost? Does the whole idea of buying a home or getting a mortgage leave you with the same feeling? If so, you’re not alone! Subscribe with your favorite podcast player Android RSS But, just like with any other journey, if you don’t know where you’re going…you’re going to need a map! Today, we will be discussing topics such as: What can you really afford? Reviewing your credit and credit score. ...
Oct 07, 2012•31 min
Did you know it’s what consumers don’t know…they don’t know…that puts them at risk? Subscribe with your favorite podcast player Android RSS Join me today…as I share with you a recent powerful interview with Kate Dalley of FOXS NEWS 1450 KZNU as we discuss how recent changes in the mortgage industry are impacting today’s home buyers, sellers, and well…actually, everyone! It’s pretty intense stuff…you’re gonna see the emotion behind my mission…as I protect the consumer in today’s outrageous mortga...
Sep 24, 2012•21 min
Are you fed up the credit crisis? Does your financial life feel totally out of control? Does even thinking about buying a new home or getting a mortgage send you running for the hills? If so, you’re not alone! Join me as we discuss “Why walking into your local bank and taking the first loan they offer…may not be a safe option! Listen as my “undisclosed guest caller” graciously shares her revealing story of frustration, so YOU don’t experience the same heartache as your dream home slips away! The...
Sep 10, 2012•29 min
