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Finance with Fernando

by Fernando "The Mortgage Maverick" DaCunha

An in depth discussion on residential real estate financing. Walk through of the mortgage process, what to expect when buying real estate, and input from industry professionals.

Copyright: Fernando "The Mortgage Maverick" DaCunha

Episodes

The New Year Episode - What 2023 has in store for Real Estate

57m · Published 10 Jan 13:53

Happy New Year!

In this episode I discuss new loan limits for the mortgage industry, increasing inventory (because homes are sitting on the market longer), and how homeowner's have a ton of equity in their homes. Jeffrey Green from Compass joins me for the conversation.

This episode is PACKED with great information & data to prepare you for 2023.

Thank you for your support and I'll catch you on the next one!

--- Support this podcast: https://anchor.fm/mortgagemaverick/support

Is 2023 the Year for First Time Homebuyers? What you need to know...

38m · Published 09 Nov 20:36

I chat with my realtor friend Jeffrey Green (jeffrey_green_ny) about what motivates clients to buy or sell a home in a low inventory market. 

We also explain how first time homebuyers were dictating offers during the COVID real estate market (against buyers paying cash).

How temporary rate buy downs can make your home purchase more affordable, and much more!

Enjoy the conversation and DM me @RealMortgageMaverick with questions!

--- Support this podcast: https://anchor.fm/mortgagemaverick/support

Income, Assets, Credit - Part 3 - Credit

31m · Published 04 Oct 15:38

This is a revamp of my popular 3 part series - Income, Assets, Credit. In part 3 (Credit), I explain the importance of credit history when applying for a home loan and how you can prepare you credit before applying. 

  • What is revolving utilization? 
  • What needs to be done if I have derogatory items on my credit? 
  • What are some ways to repair credit in the short term? 

We cover it all in this episode. Feel free to email me if you'd like me to discuss a specific topic or have questions. [email protected].

Enjoy!

--- Support this podcast: https://anchor.fm/mortgagemaverick/support

Income, Assets, Credit - Part 2 - Assets

24m · Published 31 Aug 17:58

This is a revamp of my popular 3 part series - Income, Assets, Credit. In part 2 I explain the importance of reviewing your assets (bank accounts, investments, etc.) when applying for a loan and how much may be needed to close. What are liquid assets? What are illiquid assets? What accounts can be used to purchase real estate? We cover it all in this episode. Feel free to email me if you'd like me to discuss a specific topic. [email protected].

Enjoy!

--- Support this podcast: https://anchor.fm/mortgagemaverick/support

Income, Assets, Credit - Part 1 - Income

24m · Published 28 Jul 21:35

This is a revamp of my popular 3 part series - Income, Assets, Credit. In part 1 I explain the importance of discussing your income when applying for a loan and what lenders look for. You'll hear some real life scenarios and what can derail your deal, so you're prepared. Feel free to email me if you'd like me to discuss a specific topic. [email protected].

Enjoy!

--- Support this podcast: https://anchor.fm/mortgagemaverick/support

Real Estate Crash or Correction? - Interview with Rahhim Shillingford

15m · Published 22 Jun 22:10
I speak with my guest Rahhim Shillingford (Vision Alliance Realty Inc.) about whether real estate is due for a crash or correction. Rates are increasing and home prices are still high. Will the supply and demand for real estate level out naturally, or is an economic-level event in the cards? --- Support this podcast: https://anchor.fm/mortgagemaverick/support

Inflation - How to Navigate Rising Rates and Higher Home Prices

38m · Published 18 May 14:17

Dizzy Parker and I have a conversation related to interest rates, home prices and what my opinion is on the future market. Similar to other episodes I provide some insight on how to improve your debt to income ratio and what I'm dealing with as a buyer in my personal life (the pain points of a seller's market). If you'd like me to cover a topic or collaborate with me on a future episode, please email me at [email protected]. Be well!

--- Support this podcast: https://anchor.fm/mortgagemaverick/support

Anthony Lise & Jeff Green Interview - Winning a Bid Without Paying Cash!

30m · Published 20 Apr 00:28
In this episode I chat with Anthony Lise Esq. (Lise Law & Mediation PLLC) and Jeffrey Green (Compass Real Estate) to provide 3 ways that you can make your offer more attractive in today's market - without being a cash buyer! We'll also cover waiving contingencies & other tips so you're in the know. Enjoy! Anthony's Info.: https://www.instagram.com/liselaw/?hl=en Jeffrey's Info.: https://www.compass.com/agents/jeffrey-green/ or on IG: https://www.instagram.com/jeffrey_green_ny/?hl=en --- Support this podcast: https://anchor.fm/mortgagemaverick/support

Jeff Green from Compass Interview - 1st Quarter 2022 Update - Make your Offer Count

29m · Published 12 Mar 17:51

Jeff Green, Top Producer from Compass Real Estate joins me in this episode to discuss affordability, inventory & how you can make your offer to purchase real estate as strong as possible. Sit back, relax and enjoy the conversation!

--- Support this podcast: https://anchor.fm/mortgagemaverick/support

Why Honesty is Important When Applying for a Loan

6m · Published 23 Jan 17:46

Have you ever applied for a loan and inflated your income or maybe didn't mention something to avoid follow up questions? 

It's quite common.

In this episode I break down why it's important to bring up different aspects of your finances at the application stage for your home loan, instead of avoiding the conversation. When you're working with a lending advisor, we need to uncover the full picture of your finances to make recommendations and provide the probability of approval.

Finding out if we may face issues at the beginning of the process allows us to make changes and prepare accordingly.

This is the audio from my YouTube video which can be accessed here: https://www.youtube.com/watch?v=z-jWh8Nddrw

Now, let's get your home journey started!

Enjoy!

--- Support this podcast: https://anchor.fm/mortgagemaverick/support

Finance with Fernando has 49 episodes in total of non- explicit content. Total playtime is 16:59:27. The language of the podcast is English. This podcast has been added on August 25th 2022. It might contain more episodes than the ones shown here. It was last updated on March 30th, 2024 05:44.

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