#019 - On today's episode, we are talking about Credit Scores.  Specifically, how they help your purchasing power when it comes time to securing a loan to purchase your next home.  Kirk and Tab also discuss some of the items that can help, and hurt, your scores.  You want to make sure you don't make a mistake that can adversely affect your score.

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

#018 - We hope everyone had a great Memorial Day Weekend.  Kirk and Tab kick off the show recapping their weekend and how things are going as the country begins to re-open for business.

On this episode, the duo discusses the importance of saving your money when it comes to making that home purchase.  Given that many people have been staying home for the past couple of months, saving habits (or spending habits, in some cases) have adjusted, depending on how you and your household operate.  It's not only important for the down-payment, but also those unexpected expenses that may turn up (and they usually do) as a result of being a homeowner.

As mortgage professionals, the team at First Commerce Financial have made it their mission to help their clients build their net worth.  They will take the time to go over a plan for you, that will help you, whether you are looking to purchase within the next 6 months, or 2 years from now.

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, Cass, 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

#017 - Giving a Quick Update in the mortgage world.  As the country begins to re-open, new opportunities are coming.

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, Cass, 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

#016 - Discussing the Homebot Tool.

While America is waiting to get back to normalcy, the First Commerce crew is still pushing forward to assist customers and our real estate partners with a tool that can help stay top of mind, while allowing them to see their home's worth, along with a variety of scenarios with their current mortgage.

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 Cass at 813-943-4663
Contact Tab at 734-735-3889

You can also learn more about Kirk, Cass, 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

#015 - Taking Your Questions during this Quarantine.

The crew is answering your mortgage and refi questions on this episode.  What is Forbearance Vs. Deferment?  What steps should I take to refi or get a loan once this is over?  Are property values going to be severely affected?  Plus additional questions we took from our Facebook Live Stream.

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 Cass at 813-943-4663
Contact Tab at 734-735-3889

You can also learn more about Kirk, Cass, 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

#014 - It's a new world right now, one that is definitely much different than it was a couple of weeks ago.  Today, Kirk, Cass, and Eric discuss the current state of the mortgage industry, how Covid-19 has been affecting it, and what to expect going forward.

You can also learn more about Kirk, Cass 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

#013 - Quick Note, this podcast was recorded and produced prior to the Covid-19 Outbreak. 

In this episode, Kirk, Cass & Tab discuss the advantages of working with a mortgage broker for your home loan or refinance, as opposed to going through a traditional banking institution.  The crew breaks down some of the things a bank won't tell you during the process, and why you need to know them.  In order to make the best decision possible (aka, saving money) these are some aspects that will help you.

You can also learn more about Kirk, Cass, 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

#012 - Covid-19 (also known as the Coronavirus) has been affecting just about every area of life as we've known it.  First and foremost, we hope everyone is safe, practicing social distancing, and taking the advice from Federal and Local Officials.

Kirk, Cass, and Tab have recorded a brief podcast dedicated to this ongoing pandemic, as it pertains to the mortgage industry.  While we know this has a much bigger impact on people's lives, businesses, etc., we wanted to at least address how it will affect our industry.   Please be safe everyone.

You can also learn more about Kirk, Cass, 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

#011 - Kirk, Cass & Tab are talking refinances on this episode.  Particularly, how to know when it's time to refinance your mortgage.  Obviously, rates are a big part of the decision, but other factors will play a role in each individual case.

You can also learn more about Kirk, Cass, 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

#010 - Kirk, Cass, and Tab welcome Julia Dees of The Dees Insurance Group in Sarasota, Florida to the podcast.

On today's episode, we are talking about all things insurance as it relates to the home buying process, along with a few other tidbits.  Julia also discusses how Dees Insurance Group came about, the history, and how things are moving forward.

To learn more about Dees, we invite you to check them out online.  They are also some of the best in the business in getting their clients amazing insurance policies, while helping them save money along the way.

Visit them online at www.DeesInsurance.com

They are also very active on social media, providing tips, highlighting industry news, and so much more. 
Follow them here on Instagram at www.instagram.com/deesinsurance/
Like them on Facebook at www.facebook.com/deesinsurance

You can also learn more about Kirk, Cass, 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