Not Your Average Financial Podcast™

Episode 157: I Love Leverage! I Love Liquidity! with Matt Shanlian


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In this episode, we ask:

  • What if some information changed the trajectory of your life?
  • What if you knew?
  • What about your family?
  • Who is Matt Shanlian, and what does he do everyday?
  • What is happening with this pandemic?
  • What happened with the mortgage marketplace?
  • What happened with Fannie and Freddie?
  • Are the lenders busy?
  • What’s happening with the rates?
  • What’s the outlook?
  • What about volatility?
  • What’s keeping rates really low?
  • Are we seeing a downturn in value?
  • Are families taking advantage of this time?
  • What about the next six months?
  • What are the opportunities?
  • Do you have equity?
  • When is the time to act?
  • Are we having all time low interest rates?
  • What is Matt’s philosophy around home equity?
  • When should we keep money in the drywall?
  • What is the difference between this year and last year?
  • Is this artificial?
  • How does proactive thought affect the decision to get a mortgage?
  • What cripples the American family?
  • What is the hamster wheel?
  • What’s the plan to get out of credit card debt?
  • How does this affect retirement and getting a mortgage?
  • How might we free up cash flow?
  • What about debt consolidation?
  • What is the game?
  • What’s the risk of a cash out refinance?
  • How much can you pull out with a cash out refi?
  • How does debt affect your financial picture?
  • What are the two things that will make one successful in business?
  • What about liquidity?
  • What about leverage?
  • What is the average American’s net worth at age 65?
  • What is a HECM loan?
  • How might we maximize cash flow?
  • What about the spend down time in retirement?
  • What about after peak income?
  • What is a reverse mortgage?
  • What happens at age 62?
  • Can you get a reverse mortgage if you’re a millionaire?
  • What is the stigma around reverse mortgage?
  • What are added protections for the borrower?
  • What is the required reverse mortgage counseling session?
  • What changed in the recent past around the reverse mortgage?
  • What about soliciting?
  • Did your grandparents have credit card debt?
  • What about an example?
  • Do you have to pay tax on an equity account?
  • What about the line of credit option?
  • Do kids want to inherit “this old house”?
  • What about the next generation?
  • What about probate?
  • What about first right of refusal?
  • How does home equity dance with Bank on Yourself® type life insurance policies?
  • What about safety?
  • What about liquidity?
  • What about leverage?
  • How is home equity built?
  • How might outside factors affect your equity?
  • Who has the control?
  • What do you have the ability to do?
  • Who makes the rules?
  • What is the safe place?
  • What is in the walls?
  • What erodes the value of a home?
  • What advice does Matt have?
  • Do you do an annual mortgage “check up”?
  • What opportunity presents itself?
  • What is your mindset?
  • What is your plan?
  • What might supercharge your financial outlook?
  • How might you be proactive (rather than reactive)?
  • How much wealth might you build?
  • What are the takeaways?
  • Does a cash out refi make sense?
  • Would you like to read Wade Pfau’s book?
  • Would you like to review your home equity numbers with Mark or one of Mark’s associates?
  • Would you like to join our mailing list?
  • Matthew Shanlian received his bachelor’s degree in finance from Liberty University before working full time in the mortgage industry starting in 2007. Matt began as a Loan officer assistant and has worked his way up to Division President with Primary Residential Mortgage, INC.  Matthew is a nationally recognized speaker, frequent podcast guest, and also serves on the board of directors for NIME, a non-profit , financial services education organization. These activities have helped him earn the achievement of being ranked by Mortgage Executive Magazine as a Top 1% Mortgage Originator in America. In his time away from the office, Matthew loves serving in his local church’s children’s ministry with his wife, Maria.  Together they have 3 children, Miles, Millie, and Maverick.

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