Are you being told that you need a 20% down payment, a credit score of 700 or higher, and perfect timing to buy a home?

That belief is keeping thousands of qualified buyers stuck on the sidelines.

In this episode of The I Heard That Podcast, Coach Clarence breaks down the biggest mortgage myths dominating today’s market — from down payment misconceptions to credit score confusion to the belief that high interest rates mean you should wait.

The problem isn’t that people can’t qualify.

The problem is they’re getting their information from the wrong sources.

Clarence explains how Non-QM loans, bank statement programs, and down payment assistance are helping self-employed buyers, first-time homebuyers, and everyday earners purchase homes without 20% down or flawless credit.

You’ll learn:

• Whether you really need 20% down to buy a house
• What credit score do you actually need to qualify for a mortgage
• Why high interest rates don’t automatically mean it’s a bad time to buy
• How alternative lending solutions are changing the game

This episode also shares the story behind the podcast’s name and the personal meaning of “I Heard That,” honoring Clarence’s late business partner while continuing the mission of educating and empowering buyers.

If you’re serious about homeownership, wealth building, and making informed financial decisions, this episode is for you.

If you found value in this conversation, subscribe, leave a 5-star review, and share this episode with someone who needs to hear it.

Support the show

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YouTube: Coach Clarence TV
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Over 2 million borrowers just lost 100+ credit points, and most never saw it coming. If your score slid from a 700 to a 550 overnight, this episode is your playbook to reverse it.

Inside, we unpack exactly how post-October 2024 reporting torpedoed scores—retroactive lates, skipped notices, duplicate tradelines, and how those same violations can be used to dispute and delete the damage.

What you’ll learn:

• The reporting rules federal vs. private servicers keep breaking—and how to prove it
• The step-by-step dispute stack: bureaus, servicer validation, CFPB complaint
• When consolidation resets the board (and when it doesn’t)
• How to escalate for fast corrections and permanent removals

Who it’s for: borrowers, first-time homebuyers, agents, and LOs advising clients—anyone who needs credit points back now.

Make sure you share this episode with anyone who needs it

Support the show

Please subscribe give us a review and share the show. Email show ideas or apply to be a guest at: [email protected]. We love your feedback.
YouTube: Coach Clarence TV
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JR—Arizona’s go-to home insurance specialist—breaks down how your policy can speed or stall a mortgage, refi, or HELOC. He shows what lenders verify (coverage limits, deductibles, replacement cost vs. ACV, effective dates, the mortgagee clause) and the gaps that jam closings—missing binders, wrong clauses, roof exclusions, HOA “walls-in” misunderstandings. Then he walks through the simple fixes he used on my policy to tighten coverage and cut costs: aligning limits with the appraisal, cleaning up endorsements, and timing the policy with closing so escrow stays smooth. Insurance built around your financing—not the other way around. An advisor beats a policy pusher every time. 

Join us for a conversation about one of Arizona's leading advisors, how his passion, love for God guides his business model.

You can find out more about JR here: https://comparioninsurance.onemob.com/p/jrtheadvisor

Support the show

Please subscribe give us a review and share the show. Email show ideas or apply to be a guest at: [email protected]. We love your feedback.
YouTube: Coach Clarence TV
Instagram: www.instagram.com/clarencemferguson
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Crypto Meets Real Estate?!
You can now buy a home using your Bitcoin, without selling it.

No, this isn’t hype.
 Starting mid-2025, a new rule from the Federal Housing Agency allows Bitcoin stored on U.S.-regulated exchanges to be used as mortgage collateral.

✅ Keep your crypto
 ✅ Avoid capital gains
 ✅ Skip the credit check (in some cases)

I break it all down in the latest episode of Coach’s Corner—from how the process works to who qualifies and why this could change the game for smart buyers and investors.

Would you use your crypto to buy a home? Drop your thoughts in the comments ⬇️

Support the show

Please subscribe give us a review and share the show. Email show ideas or apply to be a guest at: [email protected]. We love your feedback.
YouTube: Coach Clarence TV
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Facebook:https://www.facebook.com/groups/fitover40withcoachclarence
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You’ve been lied to.
No, you don’t need perfect credit.
No, you don’t need 20% down.
And no, you don’t need a six-figure salary to become a homeowner.

In this straight-shooting episode, Coach Clarence busts the biggest myths that have been holding people back from buying a home. Whether you’re living paycheck to paycheck or just unsure where to start, this one’s for you.

✅ Learn the truth about what it takes to get qualified
 ✅ Discover loan options you probably didn’t know existed
 ✅ Walk away with 3 powerful, actionable steps that could have you holding the keys to your new home in just 30–45 days

Renting is not the only option.
 ✅ Ownership is possible—sooner than you think.

Subscribe now for weekly no-fluff tips that make homeownership real and reachable.

Download my first-time Homebuyer guide here:

https://drive.google.com/file/d/1XSAShPVyS5WsVQk9Zr7Mz4PaR8Gw0mkU/view?usp=drive_link

Support the show

Please subscribe give us a review and share the show. Email show ideas or apply to be a guest at: [email protected]. We love your feedback.
YouTube: Coach Clarence TV
Instagram: www.instagram.com/clarencemferguson
Instagram: www.instagram.com/tharealcoachclarence
Facebook:https://www.facebook.com/groups/fitover40withcoachclarence
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Pinterest: https://www.pinterest.com/CoachClarence/
Twitter: https://twitter.com/fitnusbiznus

Let’s be real… Most people are drowning in content but starving for impact.

In this episode of Coach’s Corner, we get raw with David Griffiths—gospel artist, former youth pastor, and ex-middle school teacher turned digital disruptor. If you think passion is enough to win online, think again. David breaks down how most creators are doing it wrong and why authenticity without strategy is a waste of time in the age of AI and algorithm overload.

 Discover:

• Why your “safe” content isn’t connecting
• The brutal truth about attention in 2025
• How David turned low engagement into real influence
• The mindset shift creators must make to stay relevant

If you’re tired of watching mediocre content blow up while your meaningful posts get ignored, this episode is your wake-up call.

Hit play and learn how to stop posting and start dominating.

https://quickwinschallenge.com/

Support the show

Please subscribe give us a review and share the show. Email show ideas or apply to be a guest at: [email protected]. We love your feedback.
YouTube: Coach Clarence TV
Instagram: www.instagram.com/clarencemferguson
Instagram: www.instagram.com/tharealcoachclarence
Facebook:https://www.facebook.com/groups/fitover40withcoachclarence
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Twitter: https://twitter.com/fitnusbiznus

She’s a powerhouse mom, a top-performing realtor, and a no-BS life coach — and she’s not holding back.

In this episode of Coach’s Corner, Shelly Lawhorn gets real about what it’s like juggling real estate, single motherhood, and personal growth in a world full of distractions and double standards.

We talk about:
 * The truth behind modern dating & the “narcissist” buzzword
 * Why real estate is still a smart move (even with today’s rates)
 * Building a mindset business from personal mess to message
 * Accountability, boundaries, and raising boys with backbone

This one’s raw, real, and full of fire — especially if you're navigating business, motherhood, and dating with your head held high.

Support the show

Please subscribe give us a review and share the show. Email show ideas or apply to be a guest at: [email protected]. We love your feedback.
YouTube: Coach Clarence TV
Instagram: www.instagram.com/clarencemferguson
Instagram: www.instagram.com/tharealcoachclarence
Facebook:https://www.facebook.com/groups/fitover40withcoachclarence
Linkedin:https://www.linkedin.com/in/clarencef/
Pinterest: https://www.pinterest.com/CoachClarence/
Twitter: https://twitter.com/fitnusbiznus

In this powerhouse episode of Coach’s Corner, we sit down with Brandon Cullen, CEO and co-founder of MADabolic. From pro hockey roots to building a national boutique fitness brand, Brandon shares how he went from the rink to the boardroom. We unpack:

●     Why movement trumps macros.
 
 

●     How Metabolic attracts high-achievers and keeps it exclusive by design.
 

●     The challenge of scaling without sacrificing culture.
 
 

●     His refreshing take on leadership, fatherhood, and creating routines that last.
 
 

●     Why the fitness industry is noisy—and what you need to focus on to stay consistent.
 
 

Whether you're a coach, entrepreneur, or simply someone who wants to move better and lead stronger, this one’s packed with value.

Support the show

Please subscribe give us a review and share the show. Email show ideas or apply to be a guest at: [email protected]. We love your feedback.
YouTube: Coach Clarence TV
Instagram: www.instagram.com/clarencemferguson
Instagram: www.instagram.com/tharealcoachclarence
Facebook:https://www.facebook.com/groups/fitover40withcoachclarence
Linkedin:https://www.linkedin.com/in/clarencef/
Pinterest: https://www.pinterest.com/CoachClarence/
Twitter: https://twitter.com/fitnusbiznus

In this episode of  Coaches Corner, Coach Clarence dives into a powerful but often overlooked homebuying strategy—the mortgage buy-down. With rising interest rates sidelining buyers and scaring off first-timers, Clarence breaks down how a 2-1 buy-down can put real cash back in your pocket.

You’ll learn:
 ✅ What a mortgage buy-down is (in plain English)
 ✅ How a 2-1 strategy works and who it’s best for
 ✅ Why this could be the game-changing move you need in today’s market
 ✅ How one buyer saves nearly $4,400 in one year on a $300K home

This is the real estate cheat code nobody taught you in school. Hit play and arm yourself with tools to buy smarter, not harder.

Here is the link to my First Time Homebuyer Guide

https://drive.google.com/file/d/1XSAShPVyS5WsVQk9Zr7Mz4PaR8Gw0mkU/view?usp=sharing

Support the show

Please subscribe give us a review and share the show. Email show ideas or apply to be a guest at: [email protected]. We love your feedback.
YouTube: Coach Clarence TV
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Instagram: www.instagram.com/tharealcoachclarence
Facebook:https://www.facebook.com/groups/fitover40withcoachclarence
Linkedin:https://www.linkedin.com/in/clarencef/
Pinterest: https://www.pinterest.com/CoachClarence/
Twitter: https://twitter.com/fitnusbiznus

In this episode, we dive into the flaws of the traditional education system and its approach to preparing students for financial success. The host highlights the disconnect between years of academic training and practical financial knowledge, questioning why essential topics like wealth building, credit use, and investment strategies are often overlooked. The discussion critiques the outdated narrative of going to college for a secure future, illustrating how many degrees no longer guarantee job security and how the burden of student loan debt has skyrocketed to over $1.7 trillion in the U.S. The episode emphasizes the urgent need for a shift in how financial literacy is taught, as many graduates find themselves struggling with debt and financial instability right out of school. Tune in to explore why the conventional path may lead to financial struggle and what alternatives could better equip the next generation for success.

Support the show

Please subscribe give us a review and share the show. Email show ideas or apply to be a guest at: [email protected]. We love your feedback.
YouTube: Coach Clarence TV
Instagram: www.instagram.com/clarencemferguson
Instagram: www.instagram.com/tharealcoachclarence
Facebook:https://www.facebook.com/groups/fitover40withcoachclarence
Linkedin:https://www.linkedin.com/in/clarencef/
Pinterest: https://www.pinterest.com/CoachClarence/
Twitter: https://twitter.com/fitnusbiznus