In this episode, Jeff will be discussing why real estate can be a more profitable and stable investment than stocks. He will be focusing on three key reasons: leverage of money, access to cash, and tax benefits including depreciation.

First, Jeff will discuss the leverage of money in real estate. By using leverage, or borrowing money to purchase property, investors can increase their returns on investment. Jeff will compare the amount of investment returns you get on $50,000 in the stock market versus $50,000 on a $500,000 property, highlighting the potential for much higher returns in real estate through the use of leverage.

Next, Jeff will talk about how real estate can provide access to cash. Unlike stocks which can be difficult to liquidate quickly, real estate can provide cash flow through rental income and the ability to borrow against the equity of the property. This can provide more flexibility and financial stability for the investor.

Lastly, Jeff will delve into the tax benefits of real estate investment. Real estate investors can take advantage of tax deductions including depreciation, mortgage interest, and property expenses. This can significantly reduce the amount of taxes an investor has to pay and increase their overall returns.

While it's important to keep in mind that, like any other investment, real estate also has its own set of risks and challenges, Jeff will be providing tips and strategies on how to minimize these risks and maximize returns.

So if you're considering investing in real estate or just curious about how it compares to stocks, tune in to this episode of "3 Reasons Why Real Estate is a Better Investment than Stocks" with Jeff Smith and learn about the benefits of investing in real estate, including the leverage of money.

Please note that this podcast episode is for informational purposes only and should not be considered as financial advice. Before making any financial decisions, it is important to consult with a financial advisor or certified public accountant (CPA) who can advise you on your specific financial situation. The host of this podcast and any guests do not assume any liability for any loss or damage resulting from the use of the information provided. Always do your own research and seek professional advice before making any investment decisions.

Important Links & Info:
Follow Jeff:
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Jeff Smith - Tiger Home Loans
📲 480.909.4000
📩 [email protected]
🔗 www.tigerhomeloans.com
Equal Housing Opportunity
Tiger Home Loans NMLS:  2425582 NMLS:  413643

Important Links & Info:
Follow Jeff:
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LinkedIn: https://www.linkedin.com/in/jeff-smith-40627016/

Jeff Smith - Tiger Home Loans
📲 480.909.4000
📩 [email protected]
🔗 www.tigerhomeloans.com
Equal Housing Opportunity
Tiger Home Loans NMLS: 2425582 NMLS: 413643

Are you considering a career in the mortgage industry? If so, you won't want to miss this podcast! In it, Jeff discusses five compelling reasons to consider becoming a mortgage broker. From the potential for high earnings to the ability to work independently, a career as a mortgage broker can be incredibly rewarding. Jeff also touches on the increasing demand for mortgage brokers and the flexible work options available in this field. Whether you're just starting out in your career or looking to make a change, this podcast is a must-listen. Tune in to learn more about the exciting opportunities available as a mortgage broker.

Important Links & Info:
Follow Jeff:
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Jeff Smith - Tiger Home Loans
📲 480.909.4000
📩 [email protected]
🔗 www.tigerhomeloans.com
Equal Housing Opportunity
Tiger Home Loans NMLS:  2425582 NMLS:  413643

Important Links & Info:
Follow Jeff:
Instagram: https://www.instagram.com/jeffsmithaz/
Facebook: https://www.facebook.com/profile.php?id=100002927397116
LinkedIn: https://www.linkedin.com/in/jeff-smith-40627016/

Jeff Smith - Tiger Home Loans
📲 480.909.4000
📩 [email protected]
🔗 www.tigerhomeloans.com
Equal Housing Opportunity
Tiger Home Loans NMLS: 2425582 NMLS: 413643

A 2-1 buy down mortgage is a type of mortgage in which the interest rate is reduced for the first two years of the loan term. This is done by paying additional points upfront. After the initial two years, the interest rate will adjust to its original rate, which will be higher than the initial rate but lower than market rates at the time.

For homebuyers, this can be an attractive option because it can provide lower monthly payments during those first two years. It can also be a good option for people who expect their income to increase during that time frame, as they'll be able to qualify for a loan with a higher starting interest rate.

Benefits of a 2-1 Buy Down Mortgage
There are several benefits that come with choosing a 2-1 buy down mortgage. As we mentioned, the biggest benefit is that your monthly payments will be lower during those first two years. This can free up some extra cash each month that you can use to pay off other debts or save for other expenses.

Another benefit is that you'll have an opportunity to build equity more quickly. With each mortgage payment, you're not only paying the interest and principal on your loan, but you're also building equity in your home. By making lower monthly payments during those first two years, you'll be able to put more money towards building equity.

Lastly, this type of mortgage can help you qualify for a loan that you might not otherwise qualify for. If you're expecting your income to increase in the near future, opting for a 2-1 buy down mortgage can help you qualify for a loan with a higher starting interest rate.

A 2-1 buy down mortgage can be a good option for homebuyers who want lower monthly payments during those first two years and who expect their income to increase during that time frame. There are several benefits that come with choosing this type of mortgage, but there are also some drawbacks that should be considered before making a decision.

Important Links & Info:
Follow Jeff:
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LinkedIn: https://www.linkedin.com/in/jeff-smith-40627016/

Jeff Smith - Tiger Home Loans
📲 480.909.4000
📩 [email protected]
🔗 www.tigerhomeloans.com
Equal Housing Opportunity
Tiger Home Loans NMLS:  2425582 NMLS:  413643

Important Links & Info:
Follow Jeff:
Instagram: https://www.instagram.com/jeffsmithaz/
Facebook: https://www.facebook.com/profile.php?id=100002927397116
LinkedIn: https://www.linkedin.com/in/jeff-smith-40627016/

Jeff Smith - Tiger Home Loans
📲 480.909.4000
📩 [email protected]
🔗 www.tigerhomeloans.com
Equal Housing Opportunity
Tiger Home Loans NMLS: 2425582 NMLS: 413643

Our recent family trip began in Nashville, Tennessee. We soon found ourselves centrally located and with live music everywhere we went. We stayed downtown at The Conrad, rode bird scooters with the kids, found great food spots, and enjoyed all that the city had to offer. Our time in Nashville was great! Next we took the short trip down to Destin, Florida where we were quickly upgraded from our condo to a $6M house which was a great surprise! The beaches in Destin blew us away - they were even better than the beaches in Mexico! We had an amazing time on our family trip and would definitely recommend both Nashville and Destin as family vacation destinations.

Important Links & Info:
Follow Jeff:
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Important Links & Info:
Follow Jeff:
Instagram: https://www.instagram.com/jeffsmithaz/
Facebook: https://www.facebook.com/profile.php?id=100002927397116
LinkedIn: https://www.linkedin.com/in/jeff-smith-40627016/

Jeff Smith - Tiger Home Loans
📲 480.909.4000
📩 [email protected]
🔗 www.tigerhomeloans.com
Equal Housing Opportunity
Tiger Home Loans NMLS: 2425582 NMLS: 413643

Ben Gottlieb joins Jeff again in studio for a great episode today. This time they discuss the LIV Golf tour and how they think it's affecting the PGA and golf as a whole. They discuss real estate, how the market has changed, and if we're looking at another 2008-like crash. Ben and Jeff get in to inflation, interest rates, and mortgage rates. They talk about Jeff's home in Torreon that has turned into a form of income, home law, working out, and more golf!

Attorney Benjamin Gottlieb earned his undergraduate degree in Finance from the business program at Michigan State University, and went on to earn his Juris Doctor degree from the Sandra Day O’Connor College of Law at Arizona State University, where he served as the Managing Editor for the Arizona State Law Journal. Benjamin has extensive experience in the areas of real estate litigation and civil litigation. He also has experience in corporate and transactional law. As a litigator Benjamin holds an undefeated jury trial record, having prevailed in multiple jury trials as lead counsel. He also has successfully handled multiple appeals at the Arizona Court of Appeals. Benjamin has been selected to the 2017, 2018, 2019, 2020, 2021 and 2022 Southwest Super Lawyers Rising Star list. He also was the recipient of America’s Top 100 Attorneys Lifetime Achievement Award – less than one- half percent (0.5%) of active attorneys in the United States will receive this honor. Selected by AZ Business Magazine, he is also a Top 100 Attorney in 2020, 2021 and 2022. Benjamin is also an Arizona Department of Real Estate (ADRE) approved instructor. In his “free time,” Benjamin enjoys spending time with his family and playing golf.

If you enjoy this episode and know someone who would benefit from hearing it, please share it with them! Jeff is excited to pull the curtains back on his success and help others, but in order to do that we need to grow the show! Your 5 star review and share goes a long way!

Important Links & Info:
Contact Ben's Office: https://www.mandglawgroup.com
Follow Jeff:
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The Smith Team at CCM
Call Us: 480.909.4000
Email Us: [email protected]
APPLY NOW @ www.smith-team.com
CCM NMLS 3029 NMLS 1642793 NMLS 413643

Important Links & Info:
Follow Jeff:
Instagram: https://www.instagram.com/jeffsmithaz/
Facebook: https://www.facebook.com/profile.php?id=100002927397116
LinkedIn: https://www.linkedin.com/in/jeff-smith-40627016/

Jeff Smith - Tiger Home Loans
📲 480.909.4000
📩 [email protected]
🔗 www.tigerhomeloans.com
Equal Housing Opportunity
Tiger Home Loans NMLS: 2425582 NMLS: 413643

The mortgage market is a complex system that is constantly in flux. The factors that affect mortgage rates can be difficult to understand, but here is a basic overview of how it works.

The price of long-term bonds on Wall Street affects mortgage rates. When investors buy these bonds, it drives the price up and the interest rate down. This is because when the economy is doing well, people move their money out of bonds and into stocks. When the economy is doing poorly, people move their money from stocks into bonds. This movement of money causes the interest rate on bonds to go down, and since mortgage rates are based on the interest rate on bonds, mortgage rates go down as well.

Money flows from Mortgage Banks to entities like Fannie Mae or Freddie Mac. These entities package up the mortgages and sell them as securities to Wall Street. When the housing market crashed in 2008, many of these securities became worthless, which caused the market for mortgages to collapse.

Jumbo loans and non-qualified mortgages are also having a big impact on the mortgage market right now. Jumbo loans are mortgages that are larger than $647,200, and they have been growing in popularity as home prices have been increasing. Non-qualified mortgages are mortgages that don't meet the standards set by Fannie Mae or Freddie Mac, and they have been growing in popularity as well because they offer more lenient terms than traditional mortgages.

The Federal Reserve raising interest rates doesn't directly impact mortgage rates, but it does indirectly affect them. When the Fed raises interest rates, it makes it more expensive for banks to borrow money. This makes it more difficult for banks to lend money, which makes it harder for people to get mortgages.

Topics Covered:

• Independent mortgage bankers
• Fannie Mae and Freddie Mac
• How long term bonds on wall street determine mortgage rates
• Everyone makes their money on margin
• As investors buy long term bonds it drives the price up and the rate down
• When the economy is doing well, where people move their money
• When the economy is down, where people move their money
• When mortgage rates come down
• Money flow from Mortgage Banks, to Fannie or Freddie, packaged up and sold to Wall Street
• Bad mortgage products that crushed market in 2008
• Jumbo loans and non qualified mortgages
• The fed raising interest rates

Important Links & Info:
Follow Jeff:
Instagram: https://www.instagram.com/jeffsmithaz/
Facebook: https://www.facebook.com/profile.php?id=100002927397116
LinkedIn: https://www.linkedin.com/in/jeff-smith-40627016/

The Smith Team at CCM
Call Us: 480.909.4000
Email Us: [email protected]
APPLY NOW @ www.smith-team.com
CCM NMLS 3029 NMLS 1642793 NMLS 413643

Important Links & Info:
Follow Jeff:
Instagram: https://www.instagram.com/jeffsmithaz/
Facebook: https://www.facebook.com/profile.php?id=100002927397116
LinkedIn: https://www.linkedin.com/in/jeff-smith-40627016/

Jeff Smith - Tiger Home Loans
📲 480.909.4000
📩 [email protected]
🔗 www.tigerhomeloans.com
Equal Housing Opportunity
Tiger Home Loans NMLS: 2425582 NMLS: 413643

Robert Oglesby is the Chief Executive Officer & Founder of AppraisalTek - a successful Appraisal Management Company based in Phoenix, AZ. Robert takes a dynamic role supervising all appraisal management operations, including as a quality control reviewer. 

Active and current in his profession, Robert has obtained SRA, Al-RRS designations from the Appraisal institute, he also an AQB Certified USPAP instructor, in the field he specializes in the valuation of high-performing and luxury housing.

In addition to his work in the office and in the field, Robert organizes and presents continuing education seminars for real estate professionals, in which he covers current underwriting guidelines, appraisal methods, approaches to value, and thorough explanations of the appraisal process. Robert is an AQB Certified USPAP Instructor and has received his certification to teach in Arizona and Texas.

As a Designated member of the Appraisal Institute, Robert is committed to continuing education. He participates in many of the courses and professional seminars from the Appraisal Institute, completing significantly more than the required number or hours to ensure that he is well-informed and current with the ever-evolving real estate field.

Topics Covered:

• Appraisal Tech - Becoming a successful business owner
• The truth about being successful in business - doing the simple things well
• Appraisal Management Company (AMC) & Lender relationship
• The future of AMC & Lender relationship & technology
• Appraisal Disputes
• Subjective vs objective on appraisals
• New technology coming down the pipeline for appraisal world
• What does it take to do a credible appraisal for a lender
• Technology is going to disrupt the appraisal process
• Common question Jeff gets when appraisal comes in low
• What happens when an appraisal comes up short on a home
• What are some new market factors getting taken into account for appraisals
• Robert’s forecast for the home market next 12 months. Ignore 08-09
• Jeff: You don’t want to time a market, the best investors don’t time a market. It’s almost impossible to time
• Jeff asking about Robert selling his company as a general entrepreneur 
• Jeff: how do you continue to add value to employees over a long period of time
• How to become a licensed appraiser

Important Links & Info:
Follow Jeff:
Instagram: https://www.instagram.com/jeffsmithaz/
Facebook: https://www.facebook.com/profile.php?id=100002927397116
LinkedIn: https://www.linkedin.com/in/jeff-smith-40627016/

The Smith Team at CCM
Call Us: 480.909.4000
Email Us: [email protected]
APPLY NOW @ www.smith-team.com
CCM NMLS 3029 NMLS 1642793 NMLS 413643

Important Links & Info:
Follow Jeff:
Instagram: https://www.instagram.com/jeffsmithaz/
Facebook: https://www.facebook.com/profile.php?id=100002927397116
LinkedIn: https://www.linkedin.com/in/jeff-smith-40627016/

Jeff Smith - Tiger Home Loans
📲 480.909.4000
📩 [email protected]
🔗 www.tigerhomeloans.com
Equal Housing Opportunity
Tiger Home Loans NMLS: 2425582 NMLS: 413643

Jeff Smith understands that a successful client experience revolves around two key interactions: the initial consultation and the pre qualification consultation. By having a consistent process in place, Jeff is able to provide a great experience for his clients every time. Jeff is a top 1% loan officer nationwide, so his consistent process has had a large role in providing a great experience for clients every time. 

Key Points:

• Same process with clients every time for a while, which has led to refining it over time
• Questions from clients have led to addressing certain topics at different points in the presentation
• Doing things the same way each time helps ensure a consistent experience for clients, regardless of mood or energy levels
• The goal is for every client to have a great experience and feel informed
• Questions from clients are generally answered by the presentation
• Create a process to deliver a great client experience every time
• Have the same templates and tools for each step in the process
• Refine the process over time based on client feedback
• Answer all client questions to avoid confusion
• Create a presentation that is tailored to each client's needs

Important Links & Info:
Follow Jeff:
Instagram: https://www.instagram.com/jeffsmithaz/
Facebook: https://www.facebook.com/profile.php?id=100002927397116
LinkedIn: https://www.linkedin.com/in/jeff-smith-40627016/

The Smith Team at CCM
Call Us: 480.909.4000
Email Us: [email protected]
APPLY NOW @ www.smith-team.com
CCM NMLS 3029 NMLS 1642793 NMLS 413643

Important Links & Info:
Follow Jeff:
Instagram: https://www.instagram.com/jeffsmithaz/
Facebook: https://www.facebook.com/profile.php?id=100002927397116
LinkedIn: https://www.linkedin.com/in/jeff-smith-40627016/

Jeff Smith - Tiger Home Loans
📲 480.909.4000
📩 [email protected]
🔗 www.tigerhomeloans.com
Equal Housing Opportunity
Tiger Home Loans NMLS: 2425582 NMLS: 413643

After 7 years into his dream job at Intel Corporation as engineer, Kiran has found his passion in real estate investing. He has been a licensed real estage agent since 2005 and started his own real estate company Kirans and Associates Realty in 2010. Kiran began critically studying the real estate industry and within a short time became one of the top agencies in Arizona, ranked #113 in the USA by Wall Street Journal/Real Trends in 2011. Kiran was ranked 4th in Maricopa County in 2011 for most closings and is in the top 0.5% of agents overall for sales dollar volume. Kiran Vedantam was ranked in the top 150 in the country by Real Trends in 2013.

• Recipient of AZ Real Estate Achievement Award 2013
• Recognized as “Top 100 Most Influential Agents in Arizona”
• 5-star reviews from previous clients
• National Best selling author. Authored “Cracking the code to success” with Brian Tracey
• On TV – Featuring Homes for sale on “Listings of the Desert SouthWest“
• On RadioGoogly – featured on staging and selling
• On Radio Talk – featured on KFNX 1100; KQCK; KKNT 990
• Full service real estate team – with Luxury and Commercial (Office/Medical and retail) divisions

Topics Covered:

• Kiran’s Entrepreneurship Journey (00:07:00)
• Relationship Dynamics (00:13:10
• Business Funnel (00:15:10)
• Triangle of trust (00:27:00)
• Stick to a niche (00:29:00)
• How to develop business relationships (00:31:00)
• Why personal connections matter (00:40:00)
• How to stay top of mind with clients (00:47:00)
• Pay it forward in business (00:50:00)
• How does Jeff set up his team (00:55:00)

Important Links & Info:
Follow Kiran:
Instagram: https://www.instagram.com/kiranvedantam/
Facebook: https://www.facebook.com/kiran.vedantam.1
LinkedIn: https://www.linkedin.com/in/kiranvedantam/
http://kiranandkiran.com/

Follow Jeff:
Instagram: https://www.instagram.com/jeffsmithaz/
Facebook: https://www.facebook.com/profile.php?id=100002927397116
LinkedIn: https://www.linkedin.com/in/jeff-smith-40627016/

The Smith Team at CCM
Call Us: 480.909.4000
Email Us: [email protected]
APPLY NOW @ www.smith-team.com
CCM NMLS 3029 NMLS 1642793 NMLS 413643

Important Links & Info:
Follow Jeff:
Instagram: https://www.instagram.com/jeffsmithaz/
Facebook: https://www.facebook.com/profile.php?id=100002927397116
LinkedIn: https://www.linkedin.com/in/jeff-smith-40627016/

Jeff Smith - Tiger Home Loans
📲 480.909.4000
📩 [email protected]
🔗 www.tigerhomeloans.com
Equal Housing Opportunity
Tiger Home Loans NMLS: 2425582 NMLS: 413643

There are many benefits to owning a primary residence. For one, it can be a source of pride and satisfaction. It can also be a great way to build equity and wealth over time. In this podcast, Jeff explores the reasons why you should own a primary residence, the average net worth of homeowners, and Jeff's system for pre-qualifying clients. Jeff will also share some of his most successful marketing systems and strategies that you can use to reach your target audience.

Reasons to Own a Home
There are many reasons to own a home. One reason is that it can be a source of pride and satisfaction. Owning your own home can give you a sense of accomplishment and stability. It's also a great way to build equity and wealth over time. Homeownership also comes with other benefits, such as the potential for lower taxes and the opportunity to live in a desirable neighborhood. If you're thinking about buying a home, there are several things you should consider before making the decision.

The Average Net Worth of Homeowners
According to CNBC, the average net worth of homeowners is $231,000. This is over 41 times the average net worth of renters, which is $5,000. The median net worth of homeowners age 65 and older is $264,000, and the median net worth of renters in the same age group is $6,300.

Jeff's System for Pre-Qualifying Clients
If you're in the mortgage business, then you know that pre-qualifying clients is an important part of the process. Mortgage lenders use various methods to pre-qualify their clients. One method is to require borrowers to complete a loan application and provide financial documentation, such as pay stubs and tax returns.  Another method used by mortgage lenders is to pull a borrower's credit report. This gives the lender an idea of the borrower's credit history and ability to repay the loan. Mortgage lenders will also look at factors such as employment history and income levels when pre-qualifying borrowers.

Marketing Systems and Strategies
One way to reach potential borrowers and referral partners is by building your personal brand, and establishing yourself as an expert on real estate or finance. You should also use all social media platforms, such as Instagram, Facebook, Twitter, LinkedIn, etc to promote your expertise, mortgage products and services. Jeff also shares his Letter Of The Heart which has been a hit for years with previous clients as a way of staying in front of them.

Important Links & Info:

Follow Jeff:
Instagram: https://www.instagram.com/jeffsmithaz/
Facebook: https://www.facebook.com/profile.php?id=100002927397116
LinkedIn: https://www.linkedin.com/in/jeff-smith-40627016/

The Smith Team at CCM
Call Us: 480.909.4000
Email Us: [email protected]
APPLY NOW @ www.smith-team.com
CCM NMLS 3029 NMLS 1642793 NMLS 413643

Important Links & Info:
Follow Jeff:
Instagram: https://www.instagram.com/jeffsmithaz/
Facebook: https://www.facebook.com/profile.php?id=100002927397116
LinkedIn: https://www.linkedin.com/in/jeff-smith-40627016/

Jeff Smith - Tiger Home Loans
📲 480.909.4000
📩 [email protected]
🔗 www.tigerhomeloans.com
Equal Housing Opportunity
Tiger Home Loans NMLS: 2425582 NMLS: 413643