:15 Intro to Libby Kyros who is a loan officer with Guaranteed Rate, her line of work, and tips for non W2 workers

2:07 Types of clients she works with and the process of helping them through the loan process

2:51 If the client needs guidance through the process financial goals are discussed

3:35 Her company offers a concierge refinance team

5:49 Being comfortable in your current mortgage payment is a priority

6:38 It's an incredible opportunity to be able to invest in real estate right now

8:00 Being denied the opportunity to refinance and the complex feelings around that

8:48 Being an independent contractor and buying a property and navigating write offs

9:50 Maine has lots of hidden wealth

10:20 Jumbo Loans

12:00 Coming from a long line of Mainers and learning from their financial mistakes

12:19 The Microsoft Regret

15:24: "Hey, I think we should build a house" conversation with her husband

16:28 "That's your Grandfather in you" feeling your intuition to make a decsion

17:24 You gotta take a little bit of risk

23:14 The difference between buying the first home and buying a second

23:30 Wrapping Up

Get in contact with Libby on Instagram

All Ships Rising Website