CT Real Estate Edge Podcast

Reaching Your Financial Goals in 2022

Did you accomplish your 2021 financial goals as you had hoped for? 
What if I told you a mortgage would be one of the key components to help you achieve that goal over the next 12 months? 
In today’s episode, I'm sharing a lesson with you on the importance of goal setting and talking to you about some of the opportunities that are available to you so that you can ultimately have a lasting change in your trajectory and financial future!
If you find our content helpful, be sure to stay tuned to our podcast for more! You can also follow us on social media on Facebook and Instagram: @weinbergmortgage. Mortgage questions? You can reach out to my office directly by call or text: 860-413-3938.
If you'd like to be signed up for a FREE HomeBot report to track your home's value and give insights to wealth-building and money-savings strategies you can implement with your mortgage-- EMAIL MortgageMattersRadioShow@gmail.com with your Full Name, Property Address, and Phone Number, and we'll get that out to you as a New Year's gift!

2021 Year in Review

2021 has been a very busy and crazy year for a lot of us – home values skyrocketing, a really challenging home buying market, and tons of opportunities for homeowners to refinance their properties.
Listen in to learn more! And for more information, be sure to visit our website, www.connecticutmortgagelending.com

Sticker Shock! Know Your Costs When Buying a Home

If you’re planning to be a homeowner, there are some things you need to be aware of: the costs, fees, and expenses all associated with owning a home.
In today’s episode, I’m walking you through different sorts of fees you can expect in the home buying process–hidden charges included!
If you have any further questions, do not hesitate to contact my office directly, 860-413-3938.

Answering Our Listener‘s Questions! (Mortgage, Home Buying, and Refinance)

Today we're answering our CT listener's questions! You wrote to us at mortgagemattersradioshow@gmail.com and we've got some expert mortgage and financial strategies to help you achieve your Home Buying or Refinance goals!
You can follow along each question below:0:00    Mark from East Hartford writes: "I am newly engaged. I would like to buy a home with my fiance. How can I take money out of my home I've lived in for 10 years and use it to put down on a new property? Will I need to see if I can qualify for two mortgages?"
6:11    Leslie from Windsor writes: “My partner of 10 years and I split up last year and I have accumulated a significant amount of credit card debt (to the tune of $30,000) since. I was on track to have my home paid off within 10 years but now I am contemplating whether it makes sense to refinance or sell my home. What option would make the most sense for me?”
12:28      Baldeo from New Britain writes: “I have wanted to buy a home for the last several years but I am discouraged. I have about 15k saved but my credit has major issues. The last time I tried to get pre-approved, the bank didn’t even call me back.  What is a good plan of action for me to achieve my goal of homeownership as soon as possible?"
16:15     Susan from Thomaston writes: “My husband and I are in our late 20s and have no debt. We bought our starter home a few years ago and put 5% down. We were planning on upgrading to a nicer home but with as high as prices have gone, we feel priced out of the market. Should we keep saving to buy another property or put money towards our mortgage to pay it off sooner? We have no other debt besides our cars and mortgage.”
20:30     Robert from New York writes: “I found your show via the CT Real Estate Podcast and really enjoy all the information you share. My fiancé and I are planning to move to Central CT from Manhattan sometime in the next 6 months. We have excellent credit, high six-figure incomes, plenty saved up to put 20% down, and no debt to speak of. My question is about the type of mortgage to get—the interest rates seem to be a lot lower on 15-year loans. With us being in our mid-30s, we could pay our home off very quickly using a 15-year loan. I have heard you mention that 30-year loans are better for first-time homebuyers. Would you still recommend a 30-year mortgage in our circumstance?”
22:30      Mark from West Hartford writes: “I have been wanting to do an addition to my home for a while. I am contemplating whether I should take either a loan from my 401k, a home equity line of credit, or do a cash-out refinance on my home.  Can you help me determine which option is best?”
24:30     Tony from Watertown writes: “I want to help my son buy his first home. He has a good-paying job and a good amount of money saved. I know he can afford the payments, but I'm afraid his credit score may be too low to qualify. Will co-signing a mortgage for him be a solution so I can help him buy a home?”
25:40    Jane from Suffield writes: “I am currently paying a mortgage interest rate of 6.5% from when I bought my home 10 years ago. I have looked at refinancing to lower my rate a few times but I am scared by all of the closing costs. I know it will save me money but is it really worth it? How can I tell if I should refinance my home?”
For Mortgage and FInancial advice, please reach out to our office directly! Phone number: (860) 413-3938. Let us know you found us on the CT Real Estate Edge Podcast.

Home Mortgages 101 - Back to Basics!

Are you overwhelmed by all the information about mortgages, interest rates, and loan programs?
Wouldn't it be great to know everything you needed to know about your new mortgage and the home-buying or refinancing process before you started?
In today’s episode, I’ll be explaining everything you need to know about mortgage programs, how they work, and how the entire mortgage process works so that you can be best prepared!
For mortgage, real estate, or financial advice, feel free to contact me directly at my office: 860-413-03938 or by email, rob.weinberg@benchmark.us 

Building Wealth With a Mortgage

🏡 Do you currently have a mortgage but don't know how to use it to your advantage? 🤔
💭 What if you had a strategy to help you pay less, invest more, and build your wealth?
In this interview, I am going to walk you through my top ☝️ wealth-building mortgage strategies 💰 that have helped my private clients get similar results. ✔️
👉 Learn how a Mortgage Advisor can help you implement these strategies in your personal situation to achieve your financial goals!
Looking for mortgage or wealth-building advice? Reach out to my office directly by call or text: 860-413-3938.

Getting a Mortgage with Student Loan Debt

💭 You may be thinking, what if there was an easier way to get a mortgage while carrying student loans? 👨‍🎓
What if your mortgage lender had home loan programs or strategies to help you through this?
Let’s walk you through the different formulas used to calculate student loan payments, and how underwriters use that to determine if someone qualifies for a mortgage....I have helped many clients with six figures or more of student loan debt get mortgages to buy or refinance. If you're someone with student loan debt, reach out to my office for advice: 860-413-3938.

Divorce Mortgage Strategies

💭 Wondering what happens to your real estate, mortgage and finances, after getting a divorce with your spouse? 🤔 👉 Divorce can be a very emotional time to go through, and one of the biggest questions that come up is what will happen with the home. Today we’re going to help make that path a little clearer. In this episode, I am going to walk you through the different choices a couple has when they’re separating, to get through the mortgage issues swiftly.

Why You Need a Mortgage ADVISOR

💭 So… how can you get personalized mortgage advice? 👉 Is it best to choose a Mortgage Advisor, bank loan officers, or call center lender? ✔️ This video will explain why you should seek out a professional Mortgage Advisor if you want to capitalize 🤩 on the best possible opportunity for your mortgage and real estate needs! A mortgage advisor is someone who does this as a career 👨‍🏫and focuses on exceptional service over everything. They have a smaller clientele base so they have the time to give you the personalized service that so many people are searching for today. Learn more in this episode!

When is the BEST Time to Buy, Sell or Refinance?

💭 Did you know there is a lot of seasonality when it comes to buying or selling a home?
👉We'll be discussing that and more in this episode.
You’ll learn how to score a great deal on a home 🏡 as a buyer as well as how to maximize 💰 your profits as a seller!
Not to mention I’ll be sharing a few of my personal clients’ case studies – how we timed ⌛ their appraisals to reap the greatest reward on their home values.