In this episode of The Loveland Report & Loan Arranger Show, Cleve Loveland and Bruce Woodburn break down what’s changing in the Central Florida market—and where the real opportunities are right now for buyers, sellers, and homeowners. • Orlando inventory numbers and what they signal about a more balanced market

• Why deal cancellations are rising nationally—and how to avoid them
• Interest rate shifts, refinance opportunities (especially VA/FHA), and why waiting can cost you
• How insurance trends and property tax proposals could impact affordability
• Practical negotiation and inspection strategies to keep your contract on track

💰Mortgage help (purchase/refi/VA/FHA/HELOC/reno/construction-to-perm): Bruce Woodburn — (407) 250-9144 or WeBringYouHome.com

🏠Real estate plan, listing strategy, and Cleve’s checklist: Cleve Loveland — (407) 352-8118 or CleveLoveland.com

#TheLovelandReport #LoanArranger #OrlandoRealEstate #CentralFloridaRealEstate #MortgageRates #Refinance #VALoan #FHALoan #HomeBuying #HomeSelling #RealEstateTips #WeBringYouHome

In this episode of The Loveland Report / Loan Arranger Show, Cleve Loveland and Bruce Woodburn break down what they’re seeing right now in Central Florida—and why the 2026 outlook is strong.

They cover why local inventory has been trending down (even while many parts of the country are still climbing), what that means for pricing and negotiation, and why waiting can cost buyers real money as prices push higher. Bruce also shares what’s happening in lending—from rate reality vs headlines, to when refinancing actually makes sense, to strategies like one-time PMI buyouts, 90% LTV options for debt consolidation, and smart solutions for self-employed borrowers using bank statements instead of tax returns.

Plus: real examples of buyers getting seller-paid closing costs, why you should bring representation into new construction, and how to avoid getting stuck with the wrong agent or contract.

Episode Highlights
• 2026 outlook: why the trends look strong for Central Florida
• Inventory: why it’s dropping locally—and why that matters
• Buyers vs sellers: what a tighter market does to negotiations
• Rates: “headlines vs bond market” reality check
• Refinancing: when it’s smart—and when to skip it
• PMI strategy: one-time buyout options (and when it makes sense)
• Debt consolidation: how a 90% LTV option can help some homeowners
• Self-employed: 12-month bank statement programs (skip tax returns)
• New construction: why you should NOT go in unrepresented
• Avoiding bad contracts: how to protect yourself with easy-exit terms
• Pro tips: new construction taxes/insurance surprises and how to plan ahead

Cleve Loveland | Loveland Properties | 407.352.8118 | CleveLoveland.com
Bruce Woodburn, The Loan Arranger | 407.250.9144 | WeBringYouHome.com

#LovelandReport #LoanArrangerShow #CentralFloridaRealEstate #OrlandoRealEstate #FloridaHousingMarket #MortgageRates #HomeBuyingTips #RealEstateInvesting #FirstTimeHomeBuyer #Refinance #PMI #NewConstruction #DSCRLoans #BankStatementLoan #CrossCountryMortgage

In this episode of The Loveland Report & The Loan Arranger Show, Cleve Loveland and Bruce Woodburn break down what’s really happening in the Central Florida real estate and mortgage markets—and how buyers, sellers, and investors can take advantage of today’s conditions.

In this episode, you’ll hear:
• Why advertised mortgage rates don’t always reflect real-world pricing
• What tightening inventory and longer days on market mean for negotiations
• Why waiting for lower rates could cost buyers more in the long run
• How sellers are still contributing to closing costs in the right scenarios
• The risks of “cash offer, no showing” Wall Street buyers
• Featured Central Florida listings and current buying opportunities
• Low down payment loan options, renovation loans, and bridge loan strategies
• Why experienced local professionals matter more than ever in this market

Bruce Woodburn, The Loan Arranger | 407.250.9144 | WeBringYouHome.com
Cleve Loveland | Loveland Properties | 407.352.8118 | CleveLoveland.com

#LovelandReport #LoanArrangerShow #BruceWoodburn #CleveLoveland #CentralFloridaRealEstate #FloridaHousingMarket #MortgageRates #HomeBuyingStrategy #BuyerOpportunity #SellerStrategy #RealEstateNegotiation #FirstTimeHomeBuyer #MoveUpBuyer #RealEstateInvesting #WeBringYouHome

In this episode of the Loveland Report and Loan Arranger Show, Cleve Loveland and Bruce Woodburn break down what’s actually happening in today’s real estate and mortgage market. From a 50% surge in January purchase activity to smart investor strategies using DSCR loans, this conversation pulls back the curtain on negotiations, market psychology, and why waiting on the sidelines could cost you real money in 2026. Whether you’re a buyer, seller, investor, or first-time homeowner, this episode delivers practical insight from two professionals who are in the trenches every day.

What You’ll Hear in This Episode:
▪ Why purchase business is already up nearly 50% to start the year
▪ How buyers and sellers should really negotiate in today’s market
▪ DSCR loans explained — why investors only need the property’s rent to qualify
▪ How investors are getting up to 6% in seller-paid closing costs
▪ Why waiting for rates in the “fours” could cost you thousands
▪ First-time buyer challenges and why buying young matters long-term
▪ 1031 exchanges and how investors defer capital gains taxes
▪ Renovation loans, multi-generational housing, and creative financing options
▪ Why 2026 looks like a true market reset — not a crash or a boom

📞 The Loan Arranger – Bruce Woodburn: (407) 250-9144
🌐 Apply anytime: WeBringYouHome.com
📞 Cleve Loveland: (407) 352-8118

#LoanArranger #LovelandReport #RealEstate2026 #MortgageStrategy #DSCRLoans #RealEstateInvesting #CentralFloridaRealEstate #HomeBuyingTips #SellerNegotiation #BuyerNegotiation #1031Exchange #FirstTimeHomeBuyer #RenovationLoans #WeBringYouHome #CrossCountryMortgage

In the first show of 2026, Cleve Loveland and Bruce Woodburn dive into what’s really happening in today’s real estate and mortgage markets. From commercial opportunities and 1031 exchanges to estate planning pitfalls and why long-term renters fall behind, this episode delivers real-world strategy, not theory. If you’re planning to build wealth, reposition assets, or finally buy instead of rent, this is a must-listen.🎯 In this episode, you’ll hear:

• Why the commercial market is quietly rebounding and where the real opportunities are
• How office-warehouse properties are outperforming traditional commercial buildings
• When and how to use 1031 exchanges to defer massive capital gains taxes
• Smart strategies for handling “mom and dad’s house” during downsizing, assisted living, or inheritance
• Why DSCR loans are fueling investor activity—even with rates in the 6% range
• The truth about AI, banks, and why human expertise still wins in real estate & mortgages
• Why renting delays wealth and how homeowners build equity faster—even in flat markets
• How fast-track loan approvals help buyers compete like cash
• Why estate planning, trusts, and deeds matter more than most families realize

📞 Thinking about buying, selling, investing, or restructuring your real estate plan for 2026?
Cleve Loveland | Loveland Properties | 407.352.8118 | CleveLoveland.com
Bruce Woodburn, The Loan Arranger | 407.250.9144 | WeBringYouHome.com

#TheLovelandReport #LoanArrangerShow #RealEstate2026 #CommercialRealEstate #1031Exchange #DSCRLoans #RealEstateInvesting #StopRenting #WealthBuilding #EstatePlanning #CentralFloridaRealEstate #MortgageStrategy #PassiveIncome #Homeownership

On this episode of The Loveland Report & Loan Arranger Show, Cleve Loveland and Bruce Woodburn kick off the New Year with a deep dive into what 2026 could mean for buyers, sellers, investors, and homeowners. From falling interest rates and insurance relief to property tax proposals, bridge loans, and refinance strategies, this episode breaks down why the market may finally be turning a corner — and how to position yourself ahead of it.

In This Episode You’ll Hear

• Why 2026 looks better — and why that’s enough to restart market momentum
• How rates drifting into the high-5% range could unleash pent-up buyer demand
• What proposed Florida property tax changes could mean for homeowners
• Why insurance costs are easing and how that impacts affordability
• How tax refunds and rising confidence could fuel buying power
• When refinancing makes sense — and when it doesn’t
• How HELOCs, 15-year conversions, and blended strategies fit today’s market
• Why bridge loans are solving the biggest fear move-up buyers face
• Real-world pricing, staging, and market-position strategies for sellers
• Why new construction incentives only work when structured correctly

Bruce Woodburn, The Loan Arranger | 407.250.9144 | WeBringYouHome.com
CrossCountry Mortgage | 407.869.8830 | WeBringYouHome.com

#LovelandReport #LoanArrangerShow #BruceWoodburn #CleveLoveland #FloridaRealEstate #2026HousingMarket #MortgageRates #RefinanceStrategy #BridgeLoans #HomeBuyingTips #MarketUpdate #CentralFloridaRealEstate #RealEstatePlanning #WeBringYouHome

In this pre-Christmas episode of The Loveland Report & Loan Arranger Show, Cleve Loveland and Bruce Woodburn break down the early signs of a shifting real estate market. With rates easing, buyer activity picking up, and inventory changing, they share what it all means for buyers, sellers, and investors heading into 2026.

In this episode you’ll hear:

• Why rates near 6% may not last much longer
• What current inventory and pending sales reveal
• How buyer confidence is quietly returning
• Common financial mistakes holding buyers back
• Why waiting too long could cost leverage and opportunity
• Smart strategies for buying, refinancing, and investing in 2026

Bruce Woodburn, The Loan Arranger | 407.250.9144 | WeBringYouHome.com
CrossCountry Mortgage | 407.869.8830 | WeBringYouHome.com

#TheLovelandReport #LoanArrangerShow #BruceWoodburn #CleveLoveland #CentralFloridaRealEstate #MortgageMarketUpdate #InterestRates #HousingMarket2026 #HomeBuyingStrategy #RealEstateInvesting #WeBringYouHome #LeapfrogStrategy #NewConstructionHomes #RefinanceStrategy #WealthBuilding

What really happened in the 2025 real estate market, and what should buyers, sellers, and investors be doing right now to prepare for 2026? In this episode of The Loveland Report & Loan Arranger Show, Cleve Loveland and Bruce Woodburn break down market realities, interest rates, and proven strategies to help you stop waiting and start building real estate wealth.

In this episode, you’ll hear:
• Why 2025 was one of the slowest real estate years—and why 2026 looks stronger
• How renters fall behind while homeowners and investors build long-term wealth
• Florida homestead exemption mistakes that can cost you thousands
• Bridge loans, builder flex programs, and how to compete without selling first
• DSCR loans, renovation strategies, and creative financing for investors
• How to plan your next move—buying, selling, building, or becoming a landlord

📞 Cleve Loveland: 407-352-8118 | CleveLoveland.com
📞 Bruce Woodburn – The Loan Arranger: 407-250-9144 | WeBringYouHome.com

#TheLovelandReport #LoanArrangerShow #BruceWoodburn #CleveLoveland #CentralFloridaRealEstate #MortgageAdvice #RealEstatePlanning #RealEstateInvesting #DSCRLoans #BridgeLoans #BuilderIncentives #HomesteadExemption #RentVsOwn #WealthBuilding #FloridaHousingMarket

Cleve Loveland, Central Florida’s best real estate planner, and Bruce Woodburn, The Loan Arranger, are back on The Loveland Report & Loan Arranger Show cutting through the drama from the TV talking heads and giving you the real story on today’s market. From a new Fed chair and rate cuts to nationwide price reductions and powerful loan strategies, they show you exactly how real buyers and sellers are winning right now in Central Florida and beyond. Here’s what you’ll hear in this episode:

• How the new Fed chair and potential Fed cuts could impact mortgage rates and affordability
• Why some lenders are asking for 6 weeks to close (and why that’s a red flag)
• How Bruce’s team can still get qualified buyers into a home by New Year’s
• The truth behind “prices are being slashed nationwide” vs Central Florida’s still-healthy market
• Smart strategies for cutting your list price without “slashing” your home’s value
• Real Central Florida listing highlights: pool homes, big lots, no HOA, and opportunity buys
• Why fear kept people from buying after 2008—and how not to repeat that mistake now
• How down payment assistance, seller credits, and small debt tweaks can turn a renter into an owner
• Bridge loans that let you buy before you sell—and a program where Bruce’s team will buy your home if it doesn’t sell in time
• Asset-based loans, 1099 loans, and DSCR loans for investors, self-employed buyers, and high-net-worth clients
• The danger of “we’ll buy your house for cash” offers and how one seller made $80K more by using Cleve
• Why Bruce refuses bait-and-switch rate quotes and starts with a soft credit pull to protect clients
• Co-signing for tenants or family: when a gift makes more sense than a guarantee
• Why Central Florida is still relatively affordable vs the rest of Florida—and why that window won’t last
• How Bruce and Cleve are “creating millionaires with real estate” through long-term planning, not get-rich-quick schemes

Whether you’re a first-time buyer, move-up seller, investor, or just a fence-sitter watching the headlines, this episode gives you a clear, practical roadmap to make smart moves in today’s market.

Cleve Loveland | Loveland Properties | 407.352.8118 | CleveLoveland.com
Bruce Woodburn, The Loan Arranger | 407.250.9144 | WeBringYouHome.com

#TheLoanArranger #LovelandReport #OrlandoRealEstate #CentralFloridaHomes #MortgageRates #FedCut #RealEstateInvesting #BridgeLoans #DownPaymentAssistance #FirstTimeHomeBuyer #MoveUpBuyer #FloridaRealEstate #HomeBuyingTips #Refinance #DSCRLoans #AssetLoans #SelfEmployedBorrower #WeBringYouHome #CrossCountryMortgage

Cleve Loveland and Bruce Woodburn, The Loan Arranger, are back on The Loveland Report & Loan Arranger Show breaking down what today’s buyers and sellers really need to know. From competing with new construction to setting yourself up for maximum resale value the day you buy, this episode is packed with practical, Central Florida–focused strategies you can use right now—whether you’re a first-time buyer, a move-up seller, or an investor planning for 2025–2026. Here’s what you’ll hear in this episode:

• Why sales are up nationwide—and why Central Florida is outperforming the rest of the country
• How to “bake in” resale value the day you buy (waterfront, views, floor plans, and smart upgrades)
• New construction vs resale: why builders are winning on affordability with rate buydowns and closing cost credits
• How sellers can actually compete with builders using closing cost strategies and interest rate buydowns
• Real-world listing examples: great buys, homes that need polish, and how to think about “project” houses
• Current rate talk: where 30-year fixed rates are landing and what the upcoming Fed cut really means
• The holiday money trap: overspending, car payments, and why debt is the enemy of wealth
• Using equity wisely: HELOCs, debt consolidation, and leveraging 100% financing on investment properties
• Long-term wealth strategies: 1031 exchanges, rental property game plans, and the Leapfrog program
• Reverse mortgages: when they’re a smart retirement tool—and when they’re not the right fit
• Estate and legacy planning: why you need a trust if you own property and want to protect your family
• Why helping adult children and grandchildren buy a home is better than leaving them cash later
• Builder partners, special incentives, and how Bruce’s Builder Flex program helps small and mid-size builders compete

#TheLoanArranger #LovelandReport #BruceWoodburn #CleveLoveland #CentralFloridaRealEstate #OrlandoRealEstate #MortgageTips #HomeBuying #HomeSelling #NewConstruction #RealEstateInvesting #WeBringYouHome #Refinance #WealthBuilding #ReverseMortgage #1031Exchange #BuilderIncentives #RealEstatePodcast




Cleve Loveland | Loveland Properties | 407.352.8118 | CleveLoveland.com
Bruce Woodburn, The Loan Arranger | 407.250.9144 | WeBringYouHome.com