If you think getting a mortgage is all about interest rates—think again.In this episode of the BuildX Podcast, Buz sits down with Kathleen Caddell, a Senior Mortgage Consultant at Fairway Home Mortgage with over 21 years of experience in the financial world. She’s not your average loan officer—she’s a full-blown strategist helping families navigate credit repair, multi-generational living, divorce, aging parents, and everything life throws at you between the closing docs.From first-time buyers to homeowners looking to tap into their “lazy equity,” Kathleen delivers the kind of no-BS advice that can save people thousands. She’s walked the walk too—serving as a full-time caregiver to both her parents and her sister while running a top-producing mortgage business.You’ll learn:✅ Why closing credit cards is one of the worst financial mistakes✅ What HECM loans (modern reverse mortgages) really do✅ How to start planning early and avoid pre-approval panic✅ What buyers get wrong when house shopping✅ How the right mortgage strategy can change someone’s retirement👇Learn more about Kathleen:🌐 kathleenloans.com📲 Instagram: @kathleenloans📧 Email: [email protected]📞 Call: 617-780-9297📺 Subscribe to the BuildX Podcast:    / @buildx_usa  🎧 Listen on Spotify: Search The BuildX Podcast🌐 Read the blog: BuildX.com/PodcastJust Build Baby! 🇺🇸⏱️ CHAPTERS00:00 – Welcome & intro to Kathleen02:45 – Kathleen’s path from finance to mortgages06:10 – What makes her approach different09:30 – Helping people fix credit without shame13:15 – How closing cards can tank your score18:50 – Divorce, aging parents & housing stress22:40 – Using HECM loans as a living strategy27:00 – Advice for multi-generational planning30:20 – Credit game hacks for first-time buyers34:50 – Why the pre-approval process matters38:40 – Kathleen’s rapid fire round41:30 – Final thoughts & contact info#BuildX #KathleenCaddell #MortgageTips #HECM #ReverseMortgage #HomeBuying #DivorcePlanning #CreditScoreFix #FinancialCoach #SandwichGeneration #BuzArtiano #JustBuildBaby #MassachusettsHomes #HomeLoans #RealEstateHelp