Listen to HomeWise Radio Sunday mornings at 9amCT on NewsTalkSTL 101.9, 94.1, and 99.1 HD3

0:00 SEG 1 Clients don't know what questions to ask a mortgage broker | Most bankers are stuffy | Will the call be scary? | Mike recently had a dishwasher break | Making a call can feel like torture and an obstacle course | The repairman’s definition of an emergency is different than the homeowner’s | The world of conversion marketing and quiz funnels | A lead aggregation platform doesn't actually fund you | Getting leads is a numbers game for the big companies

15:14 SEG 2 Bigger mortgage loan companies refuse to share the details of the process with the client. Michael is open and transparent | It is possible to get pre-approved over the phone | Michael has adopted a paperless process | Michael can cover a lot of ground talking to you for only 15 minutes | Downsizing and upsizing homes | Loan Applications don’t ask why you are moving | Michael can explain the loan in different ways | Michael is the person you tell everything to. Legally he doesn't have the ability to turn you down

35:24 SEG 3 20% down payments are no longer necessary | Putting some money down on a new house until the old house sells | Taking a loan against your 401k | A gift from a blood family member | Being self employed and having 2 years of work history | Birthday and social security number

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Listen to HomeWise Radio Sunday mornings at 9amCT on NewsTalkSTL 101.9, 94.1, and 99.1 HD3

0:00 SEG 1 Affordability now is lower than at any time since the banking crisis 15 years ago | Rates need to come down to restore affordability | The cost of a home plus the cost of financing it | Optimizing the cost of buying a home | Putting down less money for a home in order to invest money elsewhere | Looking at your financial picture as a whole | Putting extra money in your 401K | Paying off credit cards

22:50 SEG 2 Wages are not keeping up with inflation | Closing costs | The rate/price combination | points on a loan | Calculating the break-even point

39:16 SEG 3 Shopping around for settlement service providers | Most consumers don’t know what title insurance is or how to shop for it 

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Listen to HomeWise Radio Sunday mornings at 9amCT on NewsTalkSTL 101.9, 94.1, and 99.1 HD3

0:00 SEG 1 Have you seen the movie ‘Steve Jobs’ starring Michael Fassbender? | “Computers are like a bicycle for our minds” - Steve Jobs | Making the RIGHT computer 

11:36 SEG 2 Warren Buffett says 30-year fixed-rate mortgages are a great investment | Homes appreciate in value | What life was like before mortgages | Mortgages make homeownership available to the masses

39:17 SEG 3 A home is a great way to store wealth | Gauging home demand based on birth and death rates | Michael finances efficiently

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Michael Miget will be giving new meaning to the word transparency when he pulls back the curtain on the back-room, inner workings of Mortgage Companies and the interest rates they charge.

Unless you are an industry insider, Michael seriously doubts you've heard any of this before or heard it explained in this way.

0:00 SEG 1 Bank failures | Where do you go to get a mortgage? | Cleaning up Bank of America's messes | owning a loan VS servicing a loan | Mortgage-backed securities | Rocket Mortgage | What does a mortgage broker do? | Wholesale lender | Being interviewed on Paul Cook's show https://open.spotify.com/episode/1Y9MjVlOu2tSKV4Yw2Nk5U?si=voAyVoEDRZ6v3Vd51q_DoQ

21:03 SEG 2 It doesn't matter where you go, it's the same product | Why is it harder to get a loan at a bank? | Michael always tries to match or beat the competitor and treats everyone like family | How can Michael compete with Wells Fargo? | Michael's vetting process | Brokers are tough customers and want to be the best borrower for their clients | Wholesalers will pick and choose how competitive they want to be each week

44:30 SEG 3 A higher mortgage rate means the company gets paid more | Brokers are limited by law on how much they can spend on advertising which means you won't see Michael buying Super Bowl commercials | Why pay more for a mortgage because just because they have a fancy desk in the office

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On today's episode, Michael Miget gives an update on the rates and market, FHA mortgage insurance premiums coming down (significantly), a refresher on what strategy means, plus he shares a whole new strategy called the Debt Consolidation Purchase.

13:41 SEG 2

30:08 SEG 3

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In this episode, Michael Miget outlined the most popular subject in the real estate industry, mortgage rates. Rates are really volatile right now, with wide swings over short periods of time -and- this is expected to continue. Make sure you have an experienced, skilled professional on your side, to help you navigate this market!

You also got to meet long-time On-Air radio personality, Stel Pontikes.

Listen to HomeWise Radio Sunday mornings at 9amCT on NewsTalkSTL 101.9, 94.1, and 99.1 HD3

19:02 SEG 2

34:56 SEG 3

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HomeWise Radio with Michael Miget - Ep 18 - What Paul Learned!

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HomeWise Radio with Michael Miget - Ep 17 - Private Mortgage Insurance (PMI)

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HomeWise Radio with Michael Miget - Guest: Dave George - Worth Clark Realty

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Listen to HomeWise Radio, Sunday mornings at 9am CT on NewsTalkSTL 101.9 FM | 94.1 FM

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HomeWise Radio - Ep 15 - Home Affordability - Guest: Josh Voyles of Keller Williams Realty

https://joshvoyles.com

https://facebook.com/VoylesRealtyLLC

https://www.linkedin.com/in/joshvoyles

Listen to Homewise Radio Sunday mornings at 9amCT on NewsTalkSTL 101.9, 94.1, and 99.1 HD3

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