#029 - This week, the All About the Money crew is diving into the scaling of their mortgage business at First Commerce Financial.  Kirk and Ken discuss their past in the company, and the fluctuation of the company’s size, and how they’ve built it to what it is in 2020.  As 2021 approaches, there will be opportunities to add more staff, as First Commerce Financial handles home loans and refinances in Arizona, Florida, California, and Michigan.

You can also view the All About The Money Podcast on YouTube, along with the rest of the videos we produce.   We invite you to subscribe to the channel at http://www.YouTube.com/FirstCommerce.

We invite you to join the All About The Money Podcast Facebook Group – https://bit.ly/2F9d0Sx

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The First Commerce Financial team is here to help, and answer any questions you have regarding mortgages, refinancing, or building wealth.  You can reach each team member at the following:

To reach Kirk Chivas 248-207-2404
Follow Kirk on Instagram @kirkchivas

To reach Ken Turkington 248-459-5511
Follow Ken on Instagram @kenturkington

To Reach Tab Diedrich-Cummings 734-735-3889
Follow Tab on Instagram @tabdiedrich

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First Commerce Financial is licensed in Arizona, Florida, Michigan, and California.
Visit us online at http://www.firstcommercefinancial.com

We invite you to follow First Commerce Financial on our social media platforms.

Follow Us on Instagram – http://www.instagram.com/firstcommercefinancial

If you are in Arizona, like us on our Arizona Facebook Page
http://www.facebook.com/firstcommercefinancialAZ

If you are in Florida, like us on our Florida Facebook Page
http://www.facebook.com/firstcommercefinancialFL

If you are in Michigan, like us on our Michigan Facebook Page
http://www.facebook.com/firstcommercefinancialMI

If you are in California, like us on our California Facebook Page 
http://www.facebook.com/firstcommercefinancialCA

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If you live, or are looking to buy a home in Arizona, Florida, California or Michigan, and would like to see how much home you can afford, you can click here to begin (it only takes about 60 seconds) https://bit.ly/36Erc19

#028 - A common question from most individuals applying for a mortgage is, “How quickly can we get this loan complete?”  In this episode, we will discuss the factors that go into the mortgage process, and what you can expect as your loan moves towards through the process.  The bottom line, with any mortgage transaction, is that the satisfaction that you will have is driven by the communication you receive from your mortgage broker, or the lender.

You can also listen to the All About The Money Podcast on iTunes.  We invite you to subscribe to the podcast at https://apple.co/34lHY2p

We invite you to join the All About The Money Podcast Facebook Group – https://bit.ly/2F9d0Sx

The First Commerce Financial team is here to help, and answer any questions you have regarding mortgages, refinancing, or building wealth.  You can reach each team member at the following:

To reach Kirk Chivas 248-207-2404

Follow Kirk on Instagram @kirkchivas

To reach Ken Turkington 248-459-5511

Follow Ken on Instagram @kenturkington

To Reach Tab Diedrich-Cummings 734-735-3889

Follow Tab on Instagram @tabdiedrich

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First Commerce Financial is licensed in Arizona, Florida, Michigan, and California.

We invite you to follow First Commerce Financial on our social media platforms.

Follow Us on Instagram – http://www.instagram.com/firstcommercefinancial

If you are in Arizona, like us on our Arizona Facebook Page

http://www.facebook.com/firstcommercefinancialAZ

If you are in Florida, like us on our Florida Facebook Page

http://www.facebook.com/firstcommercefinancialFL

If you are in Michigan, like us on our Michigan Facebook Page

http://www.facebook.com/firstcommercefinancialMI

If you are in California, like us on our California Facebook Page 

http://www.facebook.com/firstcommercefinancialCA

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If you live, or are looking to buy a home in Arizona, Florida, California or Michigan, and would like to see how much home you can afford, you can click here to begin (it only takes about 60 seconds) https://bit.ly/36Erc19

#027 - In the spirit of Halloween, the podcast crew has decided to resurrect a few mortgage stories from the past that still sends chills down their spines.  As mortgage professionals, we pride ourselves on guiding our clients through the process as seamlessly as possible.  But, every once in a while, there is a situation that sticks out, and lives on in infamy.  The names remain anonymous to protect the innocent, but the stories are real.

The takeaway from this episode is that you can learn from the situations so that you can avoid making the same mistakes.  So sit back, relax, and enjoy some horror stories from the mortgage industry.

You can also view the All About The Money Podcast on YouTube, along with the rest of the videos we produce.   We invite you to subscribe to the channel at http://www.YouTube.com/FirstCommerce.

We invite you to join the All About The Money Podcast Facebook Group – https://bit.ly/2F9d0Sx

The First Commerce Financial team is here to help, and answer any questions you have regarding mortgages, refinancing, or building wealth.  You can reach each team member at the following:

To reach Kirk Chivas 248-207-2404
Follow Kirk on Instagram @kirkchivas

To reach Ken Turkington 248-459-5511
Follow Ken on Instagram @kenturkington

To Reach Tab Diedrich-Cummings 734-735-3889
Follow Tab on Instagram @tabdiedrich

-----

First Commerce Financial is licensed in Arizona, Florida, Michigan, and California.
Visit us online at http://www.firstcommercefinancial.com

We invite you to follow First Commerce Financial on our social media platforms.

Follow Us on Instagram – http://www.instagram.com/firstcommercefinancial

If you are in Arizona, like us on our Arizona Facebook Page
http://www.facebook.com/firstcommercefinancialAZ

If you are in Florida, like us on our Florida Facebook Page
http://www.facebook.com/firstcommercefinancialFL

If you are in Michigan, like us on our Michigan Facebook Page
http://www.facebook.com/firstcommercefinancialMI

If you are in California, like us on our California Facebook Page
http://www.facebook.com/firstcommercefinancialCA

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If you live, or are looking to buy a home in Arizona, Florida, California or Michigan, and would like to see how much home you can afford, you can click here to begin (it only takes about 60 seconds) https://bit.ly/36Erc19

#026 - Preparing to purchase your first home, or upgrading your home for the next stage in your life, can be exciting.  But, we all have financial challenges that we deal with throughout the course of our lives.  Many homeowners (or future homeowners) have debt, some don’t have the necessary savings set aside for a down payment, while others may need to take a few steps to improve their overall credit score.  The bottom line is, most people have work to do in order to be in the best possible shape for qualifying for a home loan.

On this episode, the team examines a real-world scenario that Tab dealt with earlier this year.  A newly married couple, with debt, was looking to purchase their first home.  While they had some work to do, all parties discussed a plan which allowed them to tackle their debt, and work towards the ultimate goal of home ownership.  While spending money is certainly fun, you can also generate satisfaction from saving your money, reducing your debt, and working towards your ultimate wealth building goals.

You can also view the All About The Money Podcast on YouTube, along with the rest of the videos we produce.   We invite you to subscribe to the channel at http://www.YouTube.com/FirstCommerce.

We invite you to join the All About The Money Podcast Facebook Group – https://bit.ly/2F9d0Sx

The First Commerce Financial team is here to help, and answer any questions you have regarding mortgages, refinancing, or building wealth.  You can reach each team member at the following:

To reach Kirk Chivas 248-207-2404

Follow Kirk on Instagram @kirkchivas

To reach Ken Turkington 248-459-5511

Follow Ken on Instagram @kenturkington

To Reach Tab Diedrich-Cummings 734-735-3889

Follow Tab on Instagram @tabdiedrich

-----

First Commerce Financial is licensed in Arizona, Florida, Michigan, and California.

Visit us online at http://www.firstcommercefinancial.com

We invite you to follow First Commerce Financial on our social media platforms.

Follow Us on Instagram – http://www.instagram.com/firstcommercefinancial

If you are in Arizona, like us on our Arizona Facebook Page

http://www.facebook.com/firstcommercefinancialAZ

If you are in Florida, like us on our Florida Facebook Page

http://www.facebook.com/firstcommercefinancialFL

If you are in Michigan, like us on our Michigan Facebook Page

http://www.facebook.com/firstcommercefinancialMI

If you are in California, like us on our California Facebook Page 

http://www.facebook.com/firstcommercefinancialCA

-----

If you live, or are looking to buy a home in Arizona, Florida, California or Michigan, and would like to see how much home you can afford, you can click here to begin (it only takes about 60 seconds) https://bit.ly/36Erc19 

#025 - In addition to helping you secure a mortgage for a home purchase, the First Commerce Financial team also believes in using your mortgage as a tool to help grow your overall net worth.  In this episode of the All About the Money Podcast, we discuss how you can use your annual mortgage review to help with that goal.  As a part of that review, we talk about evaluating your CPA, your Financial Planner, your Real Estate Agent, and you Insurance Agent.  Ultimately, the team you surround yourself with will be key in helping you grow your overall net worth.

Do you have any friends or associates that may be buying, or refinancing a home within the next 6 months?  We would love to have a conversation with them.  You can reach any of the All About The Money team members at the contact information, or social media outlets, listed below.

You can also view the All About The Money Podcast on YouTube, along with the rest of the videos we produce.   We invite you to subscribe to the channel at http://www.YouTube.com/FirstCommerce.

We invite you to join the All About The Money Podcast Facebook Group – https://bit.ly/2F9d0Sx

The First Commerce Financial team is here to help, and answer any questions you have regarding mortgages, refinancing, or building wealth.  You can reach each team member at the following:

To reach Kirk Chivas 248-207-2404
To follow Kirk on Instagram @kirkchivas

To reach Ken Turkington 248-459-5511
To follow Ken on Instagram @kenturkington

To Reach Tab Diedrich-Cummings 734-735-3889
To follow Tab on Instagram @tabdiedrich

-----

First Commerce Financial is licensed in Arizona, Florida, Michigan and California.

Visit us online at https://www.firstcommercefinancial.com

We invite you to follow First Commerce Financial on our social media platforms.

Follow Us on Instagram – http://www.instagram.com/firstcommercefinancial

If you are in Arizona, like us on our Arizona Facebook Page

http://www.facebook.com/firstcommercefinancialAZ

If you are in Florida, like us on our Florida Facebook Page

http://www.facebook.com/firstcommercefinancialFL

If you are in Michigan, like us on our Michigan Facebook Page

http://www.facebook.com/firstcommercefinancialMI

If you are in California, like us on our California Facebook Page 

http://www.facebook.com/firstcommercefinancialCA

----- 

If you live, or are looking to buy a home in Arizona, Florida, California or Michigan, and would like to see how much home you can afford, you can click here to begin (it only takes about 60 seconds) https://bit.ly/36Erc19

#024- We are excited to be sharing real world, mortgage qualification scenarios with our listening audience.  It is our goal to share a variety of situations we deal with on a day-to-day basis, so that you can have a better understanding of what to expect when you are looking to secure a loan for your next home purchase.  On today’s show, we want to demonstrate to our audience how an hourly worker, moving from out of state, can qualify for a new mortgage in the amount of $510,400 in 2020.

As is typical in all real estate transactions, multiple conversations with Real Estate agents were required to provide confidence for all parties to proceed to achieve a successful closing.

----

You can also view the All About The Money Podcast on YouTube, along with the rest of the videos we produce.   We invite you to subscribe to the channel at http://www.YouTube.com/FirstCommerce.

Join the Conversation on the All About The Money Podcast Facebook Group

The First Commerce Financial team is here to help, and answer any questions you have regarding mortgages, refinancing, or building wealth.  You can reach each team member at the following:

To reach Kirk Chivas 248-207-2404
Follow Kirk on Instagram

To reach Ken Turkington 248-459-5511
Follow Ken on Instagram

To Reach Tab Diedrich-Cummings 734-735-3889
Follow Tab on Instagram

-----

First Commerce Financial is licensed in Arizona, Florida, Michigan and California.

Visit us online at http://www.firstcommercefinancial.com

We invite you to follow First Commerce Financial on our social media platforms.

Follow Us on Instagram – http://www.instagram.com/firstcommercefinancial

If you are in Arizona, like us on our Arizona Facebook Page

http://www.facebook.com/firstcommercefinancialAZ

If you are in Florida, like us on our Florida Facebook Page

http://www.facebook.com/firstcommercefinancialFL

If you are in Michigan, like us on our Michigan Facebook Page

http://www.facebook.com/firstcommercefinancialMI

If you are in California, like us on our California Facebook Page 

http://www.facebook.com/firstcommercefinancialCA

-----

If you live, or are looking to buy a home in Arizona, Florida, California or Michigan, and would like to see how much home you can afford, you can click here to begin (it only takes about 60 seconds) 

#023 - Pending home sales are at an all time high, and that leads to both excitement and frustration...depending on what you're trying to do.  Kirk and Ken, co-founders of the Mortgage Brokerage, First Commerce Financial, give some perspective of what that means for the lenders, and what that means for the consumer.

You can also view the video version of this podcast on YouTube.  We invite you to watch, share, and subscribe to  First Commerce Financials' YouTube Channel.

The First Commerce Financial team is here to help, and can be reached at the contact info below

To reach Kirk Chivas 248-207-2404
To reach Ken Turkington 248-459-5511
To reach Tab Diedrich 734-735-3889

You can visit us online at FirstCommerceFinancial.com

On Facebook

On Instagram

#022 - When applying for a mortgage, or going through a refi, it's typically easier for those who are employees that receive a W-2.  But for those who are self-employed, it can be a process that requires more than your average home loan.

Kirk, Ken, and Tab go over what to expect as a self-employed borrower.  Specifically, how long you've been in business, and how you can go about proving how successful your business is.  There are also limitations on what funds you can use to qualify, and what funds you won't be able to use.

The Covid-19 pandemic has made things even more challenging, mainly because many self-employed businesses have been significantly impacted.  You credit score will need to be higher, and you can certainly expect a higher level of scrutiny.

Of course, the First Commerce Financial team knows the in's and out's of this process, and can help you with those questions.  They also making it easy to see if it's time to refinance your current mortgage, or if they can put you into their system so that you can be notified when it's the perfect time, given your particular scenario. You can contact any member of the team.

Contact Kirk at 248-207-2404
Contact Ken at 248-459-5511
Contact Tab at 734-735-3889

You can also learn more about Kirk, Tab and the First Commerce Financial Team at www.FirstCommerceFinancial.com

You can connect with them on Facebook at www.facebook.com/firstcommercefinancialfl

Follow them on Instagram at www.Instagram.com/FirstCommerceFinancial

#021 - Even though Covid-19 has made many aspects of life, problematic to say the least, the rates we are experiencing has kept the housing and refinancing markets going strong.

Kirk, Ken & Tab start things off discussing the current state of the market, particularly issues that are important to borrowers.  They also go over supply and demand, and how there is an excess of buyers in many markets, and how that affects the process.  They round out the conversation with talks about concessions, and how it comes into play when you are making an offer on a home when that home has multiple offers.

The First Commerce Financial Team is also making it easy to see if it's time to refinance your current mortgage, or if they can put you into their system so that you can be notified when it's the perfect time, given your particular scenario. You can contact any member of the team.

Contact Kirk at 248-207-2404
Contact Ken at 248-459-5511
Contact Tab at 734-735-3889

You can also learn more about Kirk, Tab and the First Commerce Financial Team at www.FirstCommerceFinancial.com

You can connect with them on Facebook at www.facebook.com/firstcommercefinancialfl

Follow them on Instagram at www.Instagram.com/FirstCommerceFinancial

#020 - Ken Turkington, Co-Owner of First Commerce Financial, finally joins the All About The Money Podcast.  Kirk and his crew are in Florida, while Ken and his team are in the Greater Phoenix Arizona area.

On the show, Kirk, Ken & Tab discuss the current state of the market, the decision-makers in the refinancing process, and escrow accounts (Tab's favorite).

The First Commerce Financial Team is also making it easy to see if it's time to refinance your current mortgage, or if they can put you into their system so that you can be notified when it's the perfect time, given your particular scenario. You can contact any member of the team.

Contact Kirk at 248-207-2404
Contact Ken at 248-459-5511
Contact Tab at 734-735-3889

You can also learn more about Kirk, Tab and the First Commerce Financial Team at www.FirstCommerceFinancial.com

You can connect with them on Facebook at www.facebook.com/firstcommercefinancialfl

Follow them on Instagram at www.Instagram.com/FirstCommerceFinancial