Confused about credit scores, down payments, or closing costs? You’re not alone. In this episode of Real Talk with Andres & Heather, we’re joined by bilingual loan officer Myriam Rosas to debunk the biggest mortgage myths and help you buy smarter in 2025.

✅ Top 4 misconceptions we tackle:

You need perfect credit to qualify

You must have 20% down

Car loans will disqualify you

You only need the down payment upfront

Plus, we break down the 5 biggest mistakes that can derail your loan approval...like quitting your job, opening credit lines, or co-signing for someone else.

Whether you’re buying this year or planning ahead, Myriam shares actionable tips on budgeting, soft credit pulls, and working with a lender early to save time and money.

Perfect for: First-time buyers, renters considering ownership, and real estate agents guiding clients through the lending process.

Connect with Myriam Rosas
Bilingual Loan Officer | NMLS#: 2052132
Call or Text: (615) 761‑6797
Apply Now: https://myloan.southwestfunding.com/dr/c/4sfho

New Episodes: Tuesdays & Thursdays at 11:30 AM ET
➕ Follow, subscribe, and share if you're ready to thrive, not just survive.

Join the Community Now → https://heatherfowler.realestateus.co/realtalkwebinar

In this powerful episode of Real Talk with Heather and Andres, we unpack the five core reasons 75% of new real estate agents don't make it past their first year—and how to flip that stat in your favor. Whether you're just getting started or feeling stuck, you'll discover how to treat your business like a business, create consistent lead flow, budget smarter, follow up like a pro, and stay mentally tough in the face of setbacks. Heather and Andres share personal stories, hard-earned lessons, and practical systems that actually move the needle.

What you'll learn:

Why inconsistent lead gen kills your pipeline & how to fix it

Smart ways to stretch every dollar without burnout

How poor follow-up silently steals deals

The mindset shift that changed everything for Andres

Systems that separate top agents from hobbyists

New episodes Tuesdays & Thursdays at 11:30am ET.
️ Follow, subscribe, and share if you're ready to thrive, not just survive.

Join now!!

Today’s Head in the Clouds episode is a must-listen for agents and homebuyers who think insurance is something you deal with after the deal is done. Heather is joined by trusted insurance advisor Malachi Loyal of Comparion Insurance Agency to reveal what really matters when it comes to protecting the biggest investment of your life—your home. From roof age and ZIP code risks to renters and mobile home policies, this episode will shift how you think about coverage.

Intro

Host Heather and guest Malachi Loyal from Comparion Insurance

Why insurance goes beyond paperwork—protecting belongings and peace of mind

Homeowner’s Insurance Essentials

Mortgage lenders require it; no insurance = no protection

Explanation of Coverage A–F: dwelling, other structures, personal property, loss of use, liability, medical payments

Risk Transfer & Coverage Options

Deductibles, rebuild vs. market value

Appraisals for high-value items (e.g., fine art)

Bundling auto and home policies—trust but compare

Timing & Location Considerations

When agents/buyers should contact insurance—day one under contract

ZIP code, flood zones, and roof age heavily impact premiums

Renters’ Insurance

Covers tenant property and liability—don’t rely on landlord’s policy

Overlooked Points During Due Diligence

Age of roof, plumbing, HVAC systems

Hazards: trees, overgrown limbs, driveway cracks, debris

Examples from real claims—when good coverage made all the difference

Mobile & Vacant Lot Insurance

Separate policies for mobile/manufactured homes, boats, jet-skis, dirt bikes

Vacant land still needs liability coverage

Agent–Insurer Workflow

What happens after agents pass along property details

Gathering data: roof, age, utilities, location

Customizing policies with clear client conversations

Staying calm and acting as voice of reason during client claims

Final Takeaways

Roof age (15+ years), tree & debris hazards, well-maintained yard = smoother underwriting

Agents can differentiate themselves by guiding clients through these factors

Contact info:

Phone: (404) 543‑4826

Email: [email protected]

Guest: Malachi Loyal, Sales Representative at Comparion Insurance Agency 
Serving all of Georgia

Learn more or get a quote
Direct: (678) 926-5645
Cell: (404) 543-4826
[email protected]

️

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Head in the Clouds Agent Group – A free space to collaborate, grow, and get inspired with other driven agents.

️ Welcome to *Real Talk with Heather & Andres*

where what you hear is what you get.

This isn’t your polished, pre-recorded podcast. We go LIVE every Tuesday & Thursday to bring you raw, unfiltered conversations on what it *really* takes to succeed in real estate, business, and life.

Live means real mistakes, real advice, and real growth in real time.

In this first episode:
- Why we launched this unedited, unscripted podcast
- Heather’s struggle balancing divorce, kids, and being an agent
- Andres’s backstory immigration, mindset, and building behind-the-scenes systems at Cloud Realty
- Why so many agents burn out and how to stay in the game
- Embarrassing real estate stories (yes, we all have them)
- What this podcast is *really* about: building trust, telling the truth, and helping entrepreneurs stop feeling stuck

Tune in LIVE every Tuesday & Thursday at 11:30 AM ET. Ask questions. Send topics. Or just show up and listen in we're here for it all.

Want us to cover a specific challenge?  Contact us!

In this episode of Head in the Clouds, Heather Fowler sits down with Tim Arrington, a seasoned mortgage broker and owner of Mortgage Core, to unravel the truth about home loans, down payment myths, and how buyers and agents can finally stop losing deals to financing chaos.

Guest Bio:
Tim Arrington is the owner and broker at Mortgage Core. With over 25 years of experience, Tim is a trusted partner for real estate agents and buyers who need transparency, strategy, and a path to the closing table.

We cover:

Why the mortgage game has changed—and how to play it smart

Common buyer misconceptions that cost them their dream home

A behind-the-scenes look at what lenders actually look at

The truth about down payment assistance (and who should avoid it)

Real talk on rates, refis, DTI, and what’s next in the 2025 market

Whether you’re a first-time homebuyer, a seasoned agent, or somewhere in between, this episode will arm you with the clarity and strategy to win in today’s housing market.

Don’t forget to like, subscribe, and share with a fellow agent or home shopper who needs this clarity.

Apply with Tim at https://mortgagecore.com/

Call/Text Tim: (770) 856-6397 

Book a 1-on-1 Session:

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Head in the Clouds Agent Group – A free space to collaborate, grow, and get inspired with other driven agents.

In this episode of Head in the Clouds, Heather sits down with Georgia-based real estate agent Tony Holden — a top producer who pivoted from residential sales to investor-focused real estate deals.

Tony opens up about:

Why the 2022 market shift pushed him into working with investors

The exact process he follows to find, vet, and flip properties

What agents need to know before jumping into the investing game

How he built rock-solid trust with buyers who spend $400K sight unseen

The biggest myths new investors believe (and how to avoid costly mistakes)

Whether you're an agent looking to work with investors or a first-time buyer eyeing your first flip, this episode is packed with real talk, tactical advice, and golden nuggets you won’t want to miss.

Guest: Tony Holden
Location: Cumming, Georgia
Website: HoldenHomesRE.com
Instagram: @tonyholdenrealtor
Facebook: Tony Holden

Contact Tony: 770-800-8216

Learn more about how you can transition from traditional real estate to the investment side and create consistent cash flow—even in shifting markets.

Ready to ditch the hustle and scale smarter? Join us at Cloud Realty and get your own Pipeline on Demand.

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Head in the Clouds Agent Group – A free space to collaborate, grow, and get inspired with other driven agents.

Discover how former military logistics expert turned real estate agent, Andres Castro, scaled his real estate business using Cloud Realty’s lead generation system. Learn the secrets behind warm transfers, automated follow-up, agent attraction, and converting leads like a pro. Whether you're new to real estate or managing a team, this episode breaks down exactly how to scale without burning out. 

Ready to stop renting and start owning in Huntsville?
Let’s make homeownership your reality.
Schedule your free consultation with Andres today: acastroproperties.com

Serving Huntsville, Madison, and beyond. Spanish-speaking? ¡Hablo Español!

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Head in the Clouds Agent Group – A free space to collaborate, grow, and get inspired with other driven agents.

‍♀️ Heather helps agents build systems that work—even when you're off the clock.

In this conversation, Heather Fowler discusses the challenges faced by real estate agents, particularly the exhaustion from managing all aspects of their business alone. She introduces Cloud's solutions, which consist of three engines designed to help agents generate leads, recruit other agents, and streamline their operations. The discussion emphasizes the importance of leveraging technology and support systems to achieve success in real estate, while also addressing the investment required to utilize these tools effectively.

takeaways

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Head in the Clouds Agent Group – A free space to collaborate, grow, and get inspired with other driven agents.