Real Estate is an increasingly complex, highly competitive, and fast-paced industry, and tomorrow’s professionals require advanced knowledge and training to excel in this field. Graduate studies in real estate are in demand more than ever because an MBA in real estate can open doors to greater job and career opportunities. Developed especially for working real estate professionals, Longwood University’s NEW online MBA in real estate will take you to the next level! Subscribe with your favorite p...
Aug 18, 2014•28 min
Credit and Credit Scores have to be the most understood element in the entire home buying/credit process. Actually, anytime you want or need a loan your stress level begins to climb! As you sit and wait for the lender to describe your fate many thoughts cross your mind. “Do I even know what’s on my credit report? Will it be good news or once again will there be bad news?” Subscribe with your favorite podcast player Android RSS The most difficult part of the credit process is “What actually IS go...
Aug 11, 2014•24 min
If you have ever bought or sold a home…or are about to buy your first home, I’m sure you’ve seen a charge on your Good Faith Estimate or HUD1 Closing Statement for title insurance and escrow fees. But what actually is title insurance? And…what does it cover? Subscribe with your favorite podcast player Android RSS Join me today as my guests, Charlie Cookson and Sharon Kunkel of Western Title and Escrow Company as we discuss everything you need to know about these valuable resources. Western Title...
Aug 04, 2014•32 min
With the philosophy that the perfect way to calm the housing fears of today’s home buyer is to provide them with the tools they need to be successful, I decided to begin a monthly question and answer session here on “Surviving the Credit Crisis.” Subscribe with your favorite podcast player Android RSS Here, I dedicate an entire show to answering your questions! Last month was the first show where the listening audience could email me, ask me on Facebook, or LinkedIn any questions that they have ...
Jul 28, 2014•31 min
With the rising cost of college and the financial illiteracy of both parents and students, student loans are becoming an unspoken cycle of debt for many Americans, both young and old! Subscribe with your favorite podcast player Android RSS Is adequate financial education, the importance of career and credit planning, and the necessity of budgeting being discussed by educators, parents, and the student loan industry as a whole? Is getting a degree in an area that you’re passionate about a guarant...
Jul 21, 2014•28 min
I was recently reading an article about Payday Loans written by my guest, Aaron Crowe and I knew I had to have him on the show! Aaron is a personal finance freelance writer that writes for many different financial blogs and media sources. In the article entitled, “Smarter Alternatives to Payday Loans,” Aaron researched the fact that a typical two-week payday loan with a fee of $15 for every $100 borrowed can equate to an annual percentage rate of almost 400%! That is an incredibly high interest ...
Jul 14, 2014•30 min
Real estate prices are on the rise and Central Oregon is no exception. Inventory is down and demand is causing prices to climb! Everywhere you look in the media, the city of Bend and the entire Central Oregon area is being touted as the place to live! The “quality of life” and “the outdoor recreation opportunities” are making national media! Area population is growing at a very fast pace and it’s definitely having an impact on the real estate economy here! Subscribe with your favorite podcast pl...
Jul 07, 2014•31 min
Buying a home can be one of the most challenging investments we make in our lifetime. The complexity of the transaction combined with your own unique financial goals and the lender’s depth of knowledge can leave everyone in a state of confusion. The solution is understanding how to determine the best lender and loan for your long or short-term goals. Subscribe with your favorite podcast player Android RSS Unfortunately, with this roller coaster economy, a large percentage of consumers are not on...
Jun 23, 2014•32 min
What actually is that “Wow” factor when it comes to making money and taking your income to a whole new level? There are several traits that people who make a lot of money exhibit on a consistent basis. Do you know what those factors are? Do you see the world as a world filled with abundance and possibility or are you living from paycheck to paycheck? It really is possible to have all your dreams comes true…with just a few simple changes to your mindset and the way you see your world! Subscribe w...
Jun 09, 2014•33 min
You want to buy a home, but you just can’t seem to find the funds for down payment. I’ve got you covered! As one of only a few NHF-approved lenders, Academy Mortgage is pleased to offer an exclusive loan solution and grant program for low- to moderate-income individuals and families in California, Oregon, Washington, Idaho, and Colorado. Through the NHF Platinum Program, a qualified home buyer can obtain a 30-year home loan and a GRANT that can be used toward down payment and/or closing costs. A...
May 19, 2014•31 min
You are a financially wise woman and you are smarter, wise, stronger, and more powerful than you think! Don’t let your financial past dictate your financial future. Subscribe with your favorite podcast player Android RSS Join me today as my guest, Brittney Castro , a certified financial planner and personal financial expert for women, and I discuss the “10 Things Every Female Should Know About Money” and their money mindset! Money, budgeting, home ownership , and financial literacy can really be...
May 05, 2014•31 min
Real estate is about location, location, location! However, there are unusual location factors that can affect a home’s value that you may not think about. Don’t get caught unprepared! Subscribe with your favorite podcast player Android RSS Join the conversation as my guests, Dr. Bennie Waller and Dr. Scott Wentland, Professors of Real Estate and Economics at Longwood University and I discuss how registered sex offenders, rehab treatment centers, foreclosures/short sales, and other location fact...
Apr 21, 2014•31 min
Buying a newly constructed home is a big decision and you want to get full value for your investment. This means choosing an established and reputable builder – someone you can trust, someone who has the technical skills and knowledge to build a good home, and someone who will deal with you fairly and professionally. Subscribe with your favorite podcast player Android RSS Remember that when you buy a home you are also “buying” the builder! Before you enter into a legal agreement with anyone, you...
Apr 07, 2014•28 min
The Home Loan Process is defined by what takes place before, during, and after you have an accepted sales agreement. During the entire process, your realtor will play a critical role in making this a fun, exciting, and safeguarded experience, where every aspect of the transaction flows smoothly and on time. But…It’s important to work with the RIGHT realtor! So I thought what better way to discuss this important role than by asking a realtor? Subscribe with your favorite podcast player Android RS...
Mar 24, 2014•31 min
Credit, both good and bad, can be a very confusing reality in our financial lives. But…bad credit does not need to kill your dreams! It just takes some very necessary action steps to get you back on course! Subscribe with your favorite podcast player Android RSS Join me today as my guest, Kerry Lutz ; attorney, author, and the radio talk show host of “Financial Survival Network” and I discuss your questions and options when it comes to improving your credit profile. We will be discussing: • What...
Mar 10, 2014•31 min
Are you sick & tired of being in debt? Subscribe with your favorite podcast player Android RSS Do you feel your spouse or significant other is on the same page when it comes to finances? Do you feel you’ve achieved financial oneness? Do you have a financial accountabilty partner? Is your accountability partner your spouse or maybe….someone else? Do you have bank accounts or debt that NO ONE knows about? Do you have adequate residual income for emergencies and/or living expenses? Or…do you li...
Feb 24, 2014•26 min
You’re out shopping for a home and you see a home that you like with a For-Sale yard sign. The first thing you do is call the real estate agent listed on the sign. But…is that really the best thing to do? Subscribe with your favorite podcast player Android RSS Join me today as my guest, Bennie Waller , Professor of Finance and Real Estate at Longwood University , and I discuss the definition of a dual agency transaction, as well as, the advantages and disadvantages of this type of transaction. I...
Jan 27, 2014•25 min
Have you ever felt that you have too much month at the end of your money? Are you making more money in your business, but wondering where it all went? Subscribe with your favorite podcast player Android RSS Do you ever wonder how your money can start working for you instead of you always working for money? The truth is, you probably bring in enough, but unknowingly money is leaking out of your life, in ways you don’t even know! Now is the time to stop it! The real key to wealth is learning how t...
Jan 13, 2014•30 min
Year end is a time of reflection, and it brings with it the desire to start fresh and the habit of making resolutions with the hope of a new and prosperous year! But, when we really sit down and plan our new year, do we really do anything different? Subscribe with your favorite podcast player Android RSS The same is true when comes to money and debt! A lot of people find themselves today buried in debt to the banks, feeling hopeless…and that’s exactly where the banks want to keep YOU? A slave…in...
Dec 23, 2013•30 min
It’s that time of year again when everyone is busy shopping and preparing for Christmas. I know for me, the stress of trying to get everything done between Thanksgiving and Christmas can be overwhelming! You’re trying to share your time, gifts, and good wishes with everyone you care about and the Christmas spending can get out-of-control! The media, TV, commercialism, and large retailers make us believe the more expensive the gift the more you love! Leaving consumers feeling pressured that they ...
Dec 09, 2013•28 min
With the continuing tightening of underwriting requirements very few zero down payment options remain for home buyers! Introducing the U.S.D.A. Guaranteed Rural Housing Program! It can be a wonderful option for low to moderate income home buyers and the best part is….you don’t have to be a first-time home buyer! The program is also available to repeat buyers as long as you qualify under the program income and property guidelines. Subscribe with your favorite podcast player Android RSS Join us To...
Nov 18, 2013•29 min
The real estate and mortgage industry is changing almost on a daily basis like we’ve never seen before with the implementation of new rules by the Consumer Financial Protection Bureau (CFPB) and their Qualified Mortgage Rule (QMR) that will take effect on January 10, 2014. Subscribe with your favorite podcast player Android RSS Everyone in the industry is talking about it and how those changes will affect home buyers in the new year! Today’s markets have been stabilizing and growing, prices are ...
Nov 04, 2013•27 min
There are a lot of properties on the market today needing tender loving care due to the housing/credit crisis these past few years. Subscribe with your favorite podcast player Android RSS We’ve always been told that when shopping for real estate, it’s all about location, location, location! But what do you do if you’re shopping for a home and you find that dream location, but the house just doesn’t fit your vision? It may need basic repairs, updating, or be in need of a major face lift. A renova...
Oct 21, 2013•22 min
Home ownership is a privilege, not a right, one that comes with huge responsibility, financial and otherwise. It involves a certain mindset and may not fit every personality or lifestyle! Have you ever asked yourself should I buy or should I rent? And…how do I know the difference? Where do I need to be financially to know for sure that I am ready to buy my first home? Subscribe with your favorite podcast player Android RSS Join me today as my guest, Bennie Waller, PhD , Professor of Finance and ...
Oct 07, 2013•27 min
We continue our discussion on financial literacy and the damage it can play in our lives and in our relationships! Subscribe with your favorite podcast player Android RSS Have you ever wanted to take control of your money, but haven’t known where to start? If so, this show is for YOU! Join me and financial empowerment experts, Dr. Bonita & Bradley Vinson , as we discuss how YOU can be empowered to do what it takes to get out of debt, build a budget that works and take control of your finance...
Sep 23, 2013•31 min
With continued instability with our economy, the value of the dollar, risk involved with long-term investments, and the stock market, more experts are recommending adding gold and silver to self-directed IRA portfolios. Subscribe with your favorite podcast player Android RSS My guest today is, Todd Dudkevitch , Senior Account Executive with American Bullion . American Bullion is a trusted leader in adding gold and silver to individual retirement accounts. As a listed dealer of the United States ...
Sep 09, 2013•30 min
It’s time to take a dive into your financial story! Yes! You have a story…we all have them! It’s what we do with our stories and how they affect us that makes all the difference. You never know what story your neighbors, co-workers, friends, or even your closest relatives may be living with. But your story does not have to define you or limit you! Our ideas about money are deeply rooted all the way back to our childhood and this perspective can have a tremendous impact on our relationships, care...
Aug 19, 2013•29 min
Buying a home is a complicated process, and it can be very intimidating for the first-time home buyer! In Today’s mortgage and real estate environment filled with media hype and negative press, it’s hard to know where to start. Subscribe with your favorite podcast player Android RSS But…it doesn’t have to be that way! Join me as my guest, Kahren Oxner, Oxner Mortgage Group at Academy Mortgage* in Lake Oswego, Oregon, and I discuss the 9 critical questions that you should ask when interviewing a ...
Aug 05, 2013•28 min
One of the biggest causes of divorce in our country today is relationship breakdown due to financial hardship and our own personal relationship with money. As a 37 year mortgage veteran , consumer advocate, and life coach, I can’t tell you how many times I’ve seen couples fighting over money. Counseling couples at the time of home purchase or refinance can be a very stress filled environment when I pull a credit report and there are spending habits, poor credit scores, or undisclosed debt that t...
Jul 22, 2013•32 min
You’ve just been turned down for credit from your local lender. The denial letter indicates the reason code to be “Poor Credit Performance” or “Delinquent Past or Present Credit Obligations.” You shake your head in confusion and your blood pressure begins to rise because there shouldn’t be any derogatory information on your credit report! Is it a mistake? Are you a victim of Identity Theft? Who knows…and no one can seem to give you any answers. All you’re told is that it’s your responsibility to...
Jul 08, 2013•30 min
