Sign up to save your podcasts
Or
Share HomeWise Radio with Michael Miget on NewsTalkSTL
Share to email
Share to Facebook
Share to X
Share to email
Share to Facebook
Share to X
Or
HomeWise Radio with Michael Miget on NewsTalkSTL
By Michael MigetBusiness
HomeWise Radio with Michael Miget on NewsTalkSTL episodes
- Ep 34 - How to Get the Lowest Mortgage Rate
Listen to HomeWise Radio Sunday mornings at 9amCT on NewsTalkSTL 101.9, 94.1, and 99.1 HD3
Coming up this weekend on HomeWise Radio... mortgage rates, how they work, "points" and how they work + one of the most effective ways to get the lowest mortgage interest rate possible (beyond having good credit)...
0:00 SEG 116:37 SEG 2
35:21 SEG 3
https://goshelter.com/
https://homewiseradio.com/
https://www.youtube.com/@homewiseradio
https://newstalkstl.com/home-wise-radio-with-michael-miget/
https://www.facebook.com/homewiseradio
55 min - Ep 33 - Discrimination Against the Self-Employed
Listen to HomeWise Radio Sunday mornings at 9amCT on NewsTalkSTL 101.9, 94.1, and 99.1 HD3
Coming up this week on HomeWise Radio... oh yeah, I'm gonna 'shine a light' on yet another kind of DISCRIMINATION that has taken place in mortgage lending since the beginning of time + my unique way of "fixing it". Curious at all... ???
0:00 SEG 1
19:28 SEG 2
37:41 SEG 3
https://goshelter.com/
https://homewiseradio.com/
https://www.youtube.com/@homewiseradio
https://newstalkstl.com/home-wise-radio-with-michael-miget/
https://www.facebook.com/homewiseradio
52 min - Ep 32 - Helping People Buy and Afford Homes
Listen to HomeWise Radio Sunday mornings at 9amCT on NewsTalkSTL 101.9, 94.1, and 99.1 HD3
In this week's episode, Michael Miget of Shelter Mortage reveals the key to business success and how that relates to "helping" people buy/afford homes PLUS he gives a throwback to an (old) movie - almost as old as him!
0:00 SEG 1 It's been a hectic year in the real estate market | The movie 'Mr. Mom' struck a chord with Michael this past weekend | Michael Keaton plays an executive that gets laid off
21:30 SEG 2 Even if you've purchased a home before, the process has become even more complex | Strategy is playing a bigger role
40:48 SEG 3 Shopping for title services | Industry calculators leave out important items so Michael still has to do things by hand | How to get FREE money
https://goshelter.com/
https://homewiseradio.com/
https://www.youtube.com/@homewiseradio
https://newstalkstl.com/home-wise-radio-with-michael-miget/
https://www.facebook.com/homewiseradio
52 min - Ep 31 - Yes, You Can Shop for Title Services
Listen to HomeWise Radio Sunday mornings at 9amCT on NewsTalkSTL 101.9, 94.1, and 99.1 HD3
0:00 SEG 1 Shopping for title services can save you money
20:20 SEG 2 Brian McGovern with Title Resources, Inc
https://www.facebook.com/TitleResourcesInc
https://titleresourcesinc.com/
https://www.instagram.com/titleresources/
41:20 SEG 3 Brian McGovern with Title Resources, Inc
180 S Weidman Road
Suite 136
Manchester, MO 63021
636-527-9670
https://goshelter.com/
https://homewiseradio.com/
https://www.youtube.com/@homewiseradio
https://newstalkstl.com/home-wise-radio-with-michael-miget/
https://www.facebook.com/homewiseradio
55 min - Ep 30 - The BIGGEST Mortgage Mistake of All
Listen to HomeWise Radio Sunday mornings at 9amCT on NewsTalkSTL 101.9, 94.1, and 99.1 HD3
0:00 SEG 1 Homes for Heroes | Shopping for your settlement charges
18:47 SEG 2 Loan estimate | Can you shop for settlement charges? | Not able to pick the appraiser anymore | Not able to question the appraiser | Disputing the appraisal | What if the square footage or number of rooms is wrong?
37:14 SEG 3 What happens when there are no consumer-facing systems set up in order to shop around? | Shopping for title insurance
https://goshelter.com/
https://homewiseradio.com/
https://www.youtube.com/@homewiseradio
https://newstalkstl.com/home-wise-radio-with-michael-miget/
https://www.facebook.com/homewiseradio
54 min - Ep 29 - Mortgage Mistakes and Pitfalls
Listen to HomeWise Radio Sunday mornings at 9amCT on NewsTalkSTL 101.9, 94.1, and 99.1 HD3
0:00 SEG 1 It is a unique time to buy a house | Home affordability is down | Inflation news varies depending on who you are getting it from | The Fed tightened again | The cashier at Walmart has a different perspective on inflation | Fixed-rate mortgages are generally cheaper as time goes on | The buy down craze | Buy downs are often explained incorrectly
18:12 SEG 2 Situations that look like they will save you money on your mortgage but will actually cost you money | The adjustable-rate mortgage | Military personnel sometimes know how long they will be stationed somewhere
34:24 SEG 3 Owning a home is a marathon, not a sprint | Cash out refinance | Debt consolidation | Refinancing during the pandemic | Bi-Weekly payments
https://goshelter.com/
https://homewiseradio.com/
https://www.youtube.com/@homewiseradio
https://newstalkstl.com/home-wise-radio-with-michael-miget/
https://www.facebook.com/homewiseradio
55 min - Ep 28 - Real Estate Is a Safe Haven
Listen to HomeWise Radio Sunday mornings at 9amCT on NewsTalkSTL 101.9, 94.1, and 99.1 HD3
0:00 SEG 1 How shutting down everything during the pandemic affected the economy | Bank failure domino effect | Real estate is a safe haven
18:15 SEG 2 We have solutions | Brian Sacks is the author of ‘The Real Estate Loophole’ | Brian has done over 6,000 mortgage transactions | Home affordability gap
https://www.therealestateloophole.com/
39:43 SEG 3 Buying a house to live in that is also an investment property | Reverse mortgages | Many retiring Americans are ill-prepared for the major inflation we are seeing | If you think buying is expensive, try renting
https://goshelter.com/
https://homewiseradio.com/
https://www.youtube.com/@homewiseradio
https://newstalkstl.com/home-wise-radio-with-michael-miget/
https://www.facebook.com/homewiseradio
55 min - Ep 27 - Rates Going Up for Those With Good Credit?
Listen to HomeWise Radio Sunday mornings at 9amCT on NewsTalkSTL 101.9, 94.1, and 99.1 HD3
0:00 SEG 1 Will mortgage rates be going up for people with good credit? | This only affects conventional loans
20:00 SEG 2 Angie Wilder with Realy Executives, gives a market update | Angie just had 17 offers on one house | The importance of communication
http://angiewilder.com/
573-579-6548
39:12 SEG 3 Sellers want more qualified borrowers | Putting less money down to get a better rate | Gap insurance | FHA Loan on the second home
https://goshelter.com/
https://homewiseradio.com/
https://www.youtube.com/@homewiseradio
https://newstalkstl.com/home-wise-radio-with-michael-miget/
https://www.facebook.com/homewiseradio
52 min - Ep 26 - How to Stop Credit Marketing Spam and Junk Mail
Listen to HomeWise Radio Sunday mornings at 9amCT on NewsTalkSTL 101.9, 94.1, and 99.1 HD3
0:00 SEG 1 Why do we receive so much junk mail from credit companies? | Unwanted spam phone calls | Trigger leads | Why are unknown agents asking me to sell my house? | Auto dialers | A.I. can create automated voices that replicate real humans including your loved ones | How do these spammers get your credit data | Buying credit reports | A firm offer of credit | Fair Credit Reporting Act (FCRA) | Permissible purpose
18:17 SEG 2 What data can be obtained from a credit report? | If a company buys your data, they are required to make a firm offer to you | What if you are uncomfortable with credit companies having your data? | Do these credit companies have my social security number? | Identity theft
37:07 SEG 3 All the credit bureaus sell your information | How to opt out of credit marketing emails, phone calls, and mail | How does Opt Out Pre Screen work? https://www.optoutprescreen.com/ | How long does OptOutPreScreen work? | How long does it take for OptOutPreScreen.com to kick in? | 1-888-5 Opt Out (1-888-567-8688) is a phone number you can call to opt out of credit marketing | The official government website to stop credit marketing https://consumer.ftc.gov/articles/how-stop-junk-mail
https://goshelter.com/
https://homewiseradio.com/
https://www.youtube.com/@homewiseradio
https://newstalkstl.com/home-wise-radio-with-michael-miget/
https://www.facebook.com/homewiseradio
55 min - Ep 25 - How Credit Reports Affect Homebuying
Listen to HomeWise Radio Sunday mornings at 9amCT on NewsTalkSTL 101.9, 94.1, and 99.1 HD3
0:00 SEG 1 Doing credit reports in person | Michael Miget has been helping people buy homes for over 31 years | Finding the humanistic side of home loans | The 3 C’s of underwriting a loan are collateral, character, and capacity | FICO owns the formula used to calculate credit scores | The 3 credit bureaus are Experian, Transunion, and Equifax
18:46 SEG 2 Payment history is only 30% of the formula | There are 5 FICO models | Credit score will dictate what type of loans are available | FHA loan | Conventional loan | Credit score can affect PMI (private mortgage insurance) | HUD (United States Department of Housing and Urban Development) | What number is considered a good credit score? | How a maxed-out Best Buy store credit card affects your credit score | How a longer credit history affects your credit score | The old 10/10 rule | Debt ratio exception
38:33 SEG 3 A tri-merge credit report of the three credit bureaus | Married people don’t have the same credit score | A closed credit card account doesn’t fall off your credit history | Leaving the spouse with the lower credit score of the application is an option | Never assume you have a high credit score
https://goshelter.com/
https://homewiseradio.com/
https://www.youtube.com/@homewiseradio
https://newstalkstl.com/home-wise-radio-with-michael-miget/
https://www.facebook.com/homewiseradio
56 min
About HomeWise Radio with Michael Miget on NewsTalkSTL
From the publisher's feed
What if everything you thought and believed about buying, selling, financing – and owning a home – was WRONG? This question is the inspiration for HomeWise Radio. Michael Miget is the founder of Shelter Mortgage, Inc. (1996) and creator of the “Better Home Financing” system of strategies. As a native St. Louis resident, he’s spent the last 32 years applying his knowledge and home loan expertise throughout the real estate, mortgage and finance industries.
(314) 275-0314
https://goshelter.com/michael-miget/
Licensed In: MO | NMLS# 205402 | CoNMLS# 192609 | Equal Housing Lender