Send us a text

Mortgage rates are falling, and refinances are booming.

But for many homeowners, refinancing isn’t the best solution.

In this episode, we break down a powerful but often ignored strategy: selling and rebuying to reset your financial life.

Using real-world math, we explain how homeowners are:

• Paying thousands each month in unnecessary consumer debt
• Sitting on trapped equity, they don’t know how to access
• Making emotional decisions instead of strategic ones

We also discuss why:

• Mortgage debt is fundamentally different from credit card debt
• Homeownership creates leverage that renters may never have
• First-time buyers waiting on the sidelines may be falling behind

This conversation isn’t about timing the market — it’s about understanding how housing can be used as a financial tool.

If you’re feeling stuck, stressed, or unsure of your next move, this episode gives you clarity.

🎙 Loans Elevated Podcast

Clear, strategic conversations on mortgages, real estate, and home financing — designed to help you make confident, informed decisions without the hype.

Hosted by Loans Elevated, presented by The Lassig Team at CrossCountry Mortgage.

🔗 Resources & links: https://lassigteam.com
📲 Follow us on Instagram & Facebook: @loanselevated

Hosts:
Broch Lassig - Branch Manager | NMLS 340314
TJ Heidenreich - Sales Manager | NMLS 1802412
Ryan King - Loan Officer | NMLS 1870771
Branch NMLS 2048956

Equal Housing Opportunity.
All loans subject to underwriting approval. Certain restrictions may apply.

CrossCountry Mortgage, LLC | NMLS 3029
www.nmlsconsumeraccess.org

This podcast is for educational purposes only and does not constitute financial, legal, or tax advice. Consult a qualified professional regarding your individual situation.

Send us a text

Mortgage rates don’t move because of politics—they move because of markets, incentives, and supply & demand.

In this episode of the Loans Elevated Podcast, we break down recent headlines surrounding Trump, mortgage-backed securities, and housing affordability, and explain what actually matters beneath the noise.

You’ll learn:

• How mortgage-backed securities influence rates
• Why a $200B MBS purchase is meaningful
• The difference between real demand vs money printing
• Why banning institutional buyers won’t fix affordability

This episode is about thinking clearly, staying objective, and making decisions based on math—not fear.

🎙 Loans Elevated Podcast

Clear, strategic conversations on mortgages, real estate, and home financing — designed to help you make confident, informed decisions without the hype.

Hosted by Loans Elevated, presented by The Lassig Team at CrossCountry Mortgage.

🔗 Resources & links: https://lassigteam.com
📲 Follow us on Instagram & Facebook: @loanselevated

Hosts:
Broch Lassig - Branch Manager | NMLS 340314
TJ Heidenreich - Sales Manager | NMLS 1802412
Ryan King - Loan Officer | NMLS 1870771
Branch NMLS 2048956

Equal Housing Opportunity.
All loans subject to underwriting approval. Certain restrictions may apply.

CrossCountry Mortgage, LLC | NMLS 3029
www.nmlsconsumeraccess.org

This podcast is for educational purposes only and does not constitute financial, legal, or tax advice. Consult a qualified professional regarding your individual situation.

Send us a text

Where are mortgage rates headed in 2026?

Instead of guessing exact numbers, this episode focuses on what actually drives rates and how buyers and homeowners can win regardless of volatility.

We break down inflation, job data, AI-driven economic shifts, housing demand, and the real wild cards shaping the market this year. More importantly, we explain why strategy, structure, and execution matter far more than timing the perfect rate.

If you’re waiting for certainty, this episode is for you.

Key themes:

• Why rate predictions are usually wrong
• Why lower rates haven’t unlocked buyers yet
• How fear and uncertainty stall housing markets
• The smartest way to refinance in a falling-rate environment
• Why readiness beats waiting in 2026

🎙 Loans Elevated Podcast

Clear, strategic conversations on mortgages, real estate, and home financing — designed to help you make confident, informed decisions without the hype.

Hosted by Loans Elevated, presented by The Lassig Team at CrossCountry Mortgage.

🔗 Resources & links: https://lassigteam.com
📲 Follow us on Instagram & Facebook: @loanselevated

Hosts:
Broch Lassig - Branch Manager | NMLS 340314
TJ Heidenreich - Sales Manager | NMLS 1802412
Ryan King - Loan Officer | NMLS 1870771
Branch NMLS 2048956

Equal Housing Opportunity.
All loans subject to underwriting approval. Certain restrictions may apply.

CrossCountry Mortgage, LLC | NMLS 3029
www.nmlsconsumeraccess.org

This podcast is for educational purposes only and does not constitute financial, legal, or tax advice. Consult a qualified professional regarding your individual situation.

Send us a text

Property taxes can quietly cost Utah homeowners thousands of dollars over time, and most people don’t even realize they can challenge them.

In this episode of the Loans Elevated Podcast, we break down how property taxes actually work in Utah, what it means to live in a non-disclosure state, and how homeowners can dispute over-assessed values to reduce their monthly payments.

We cover:
• What a non-disclosure state really means
• When and how to challenge your property tax assessment
• Common mistakes counties make when valuing homes
• New construction tax surprises
• Veteran, senior, disability, and hardship tax abatements
• How escrow shortages happen and how refinancing can help

This episode is packed with actionable insights that could save you hundreds (or even thousands) per year.

Resources:
• Learn more: https://www.LoansElevated.com
• Questions about your property taxes or escrow? Contact our team

🎙 Loans Elevated Podcast

Clear, strategic conversations on mortgages, real estate, and home financing — designed to help you make confident, informed decisions without the hype.

Hosted by Loans Elevated, presented by The Lassig Team at CrossCountry Mortgage.

🔗 Resources & links: https://lassigteam.com
📲 Follow us on Instagram & Facebook: @loanselevated

Hosts:
Broch Lassig - Branch Manager | NMLS 340314
TJ Heidenreich - Sales Manager | NMLS 1802412
Ryan King - Loan Officer | NMLS 1870771
Branch NMLS 2048956

Equal Housing Opportunity.
All loans subject to underwriting approval. Certain restrictions may apply.

CrossCountry Mortgage, LLC | NMLS 3029
www.nmlsconsumeraccess.org

This podcast is for educational purposes only and does not constitute financial, legal, or tax advice. Consult a qualified professional regarding your individual situation.

Send us a text

Portable mortgages are back in the news — but can they actually work in the United States?

In this episode, the Loans Elevated squad breaks down why this “solution” sounds appealing but falls apart once you understand the U.S. mortgage system, MBS, investor risk, and how modern housing finance works.

We cover:

• What a portable mortgage is (and why borrowers love the idea)
• Why the U.S. financial system and MBS make portability nearly impossible
• How other countries use portable mortgages — and why they rely on balloon-style terms
• Why assumable mortgages don’t fix the lock-in effect
• The real affordability issue no one is talking about
• When a higher rate actually creates more household wealth
• Why financial education matters more than new loan products

If you want clarity—not clickbait—around affordability solutions, this episode will help reset expectations and show you what truly drives better financial outcomes.

Have questions or want us to run your scenario? Visit loanselevated.com.

🎙 Loans Elevated Podcast

Clear, strategic conversations on mortgages, real estate, and home financing — designed to help you make confident, informed decisions without the hype.

Hosted by Loans Elevated, presented by The Lassig Team at CrossCountry Mortgage.

🔗 Resources & links: https://lassigteam.com
📲 Follow us on Instagram & Facebook: @loanselevated

Hosts:
Broch Lassig - Branch Manager | NMLS 340314
TJ Heidenreich - Sales Manager | NMLS 1802412
Ryan King - Loan Officer | NMLS 1870771
Branch NMLS 2048956

Equal Housing Opportunity.
All loans subject to underwriting approval. Certain restrictions may apply.

CrossCountry Mortgage, LLC | NMLS 3029
www.nmlsconsumeraccess.org

This podcast is for educational purposes only and does not constitute financial, legal, or tax advice. Consult a qualified professional regarding your individual situation.

Send us a text

This week we’re recording from Mexico and talking about the one topic nearly everyone has an opinion on: timeshares.

Are they worth it? Are they ever a smart financial move? Do they actually save you money on vacations? And most importantly… How do they affect your mortgage and credit?

In this candid episode, we share:
 • Why timeshares prey on emotions
 • The “exclusivity” lie
 • The hidden financing trap (16%+ interest!)
 • Why timeshare debt counts as a mortgage
• And how most owners lose money on resale

If you’ve ever been approached on vacation, this episode is your lifeline.

🎙 Loans Elevated Podcast

Clear, strategic conversations on mortgages, real estate, and home financing — designed to help you make confident, informed decisions without the hype.

Hosted by Loans Elevated, presented by The Lassig Team at CrossCountry Mortgage.

🔗 Resources & links: https://lassigteam.com
📲 Follow us on Instagram & Facebook: @loanselevated

Hosts:
Broch Lassig - Branch Manager | NMLS 340314
TJ Heidenreich - Sales Manager | NMLS 1802412
Ryan King - Loan Officer | NMLS 1870771
Branch NMLS 2048956

Equal Housing Opportunity.
All loans subject to underwriting approval. Certain restrictions may apply.

CrossCountry Mortgage, LLC | NMLS 3029
www.nmlsconsumeraccess.org

This podcast is for educational purposes only and does not constitute financial, legal, or tax advice. Consult a qualified professional regarding your individual situation.

Send us a text

Are rising foreclosure and bankruptcy headlines signaling a housing crash?

 In this episode of the Loans Elevated Podcast, we break down the actual data — not the fear-based headlines — to reveal what’s really happening in the housing market across Utah and nationwide.

We cover:
 • How today’s delinquencies compare to pre-COVID normals
 • Why foreclosure inventory is FAR below historical averages
 • The real story behind rising bankruptcy filings
 • How negative equity remains near historic lows (2% vs. 26% in 2009)
 • Why vacancy rates matter — and what they tell us today
 • The unemployment “trigger point” that could shift the market
 • What would actually need to happen for a housing collapse

Spoiler: Many of the metrics would need to double or triple before we hit legitimate red-flag territory.

We also discuss:
 • Why consumer debt — not mortgage debt — is straining households
 • How homeowners can use equity strategically during uncertain times
 • Why liquidity and planning matter more than ever
 • The danger of making decisions from headlines instead of data

If you’re a homeowner, buyer, investor, or real estate professional, this is your deep dive into the truth behind today’s housing market.

🎧 Tune in to stay informed, not influenced.

🎙 Loans Elevated Podcast

Clear, strategic conversations on mortgages, real estate, and home financing — designed to help you make confident, informed decisions without the hype.

Hosted by Loans Elevated, presented by The Lassig Team at CrossCountry Mortgage.

🔗 Resources & links: https://lassigteam.com
📲 Follow us on Instagram & Facebook: @loanselevated

Hosts:
Broch Lassig - Branch Manager | NMLS 340314
TJ Heidenreich - Sales Manager | NMLS 1802412
Ryan King - Loan Officer | NMLS 1870771
Branch NMLS 2048956

Equal Housing Opportunity.
All loans subject to underwriting approval. Certain restrictions may apply.

CrossCountry Mortgage, LLC | NMLS 3029
www.nmlsconsumeraccess.org

This podcast is for educational purposes only and does not constitute financial, legal, or tax advice. Consult a qualified professional regarding your individual situation.

Send us a text

Everyone’s talking about Trump’s floated idea of 50-year (and even 100-year) mortgages, but do longer loan terms actually solve the affordability problem? In this episode, we break down the math, the psychology, and the reality behind why housing feels unaffordable… and what’s truly driving the crisis.

Inside the episode:
 • The emotional vs mathematical side of affordability
 • Hidden ownership costs skyrocketing beyond rates & prices
 • Why stretching to a 50-year mortgage barely changes your payment
 • How to get into a home strategically
 • The #1 reason most buyers still feel stuck
 • Tactical strategies: subsidy accounts, co-investing, house hacking & more

If you want real strategies (not headlines) to make homeownership work in 2025, this episode is for you.

👉 Get the Holistic Mortgage Planning eBook: hmpbook.com

👉 Follow Loans Elevated on YouTube & Instagram for weekly market updates

🎙 Loans Elevated Podcast

Clear, strategic conversations on mortgages, real estate, and home financing — designed to help you make confident, informed decisions without the hype.

Hosted by Loans Elevated, presented by The Lassig Team at CrossCountry Mortgage.

🔗 Resources & links: https://lassigteam.com
📲 Follow us on Instagram & Facebook: @loanselevated

Hosts:
Broch Lassig - Branch Manager | NMLS 340314
TJ Heidenreich - Sales Manager | NMLS 1802412
Ryan King - Loan Officer | NMLS 1870771
Branch NMLS 2048956

Equal Housing Opportunity.
All loans subject to underwriting approval. Certain restrictions may apply.

CrossCountry Mortgage, LLC | NMLS 3029
www.nmlsconsumeraccess.org

This podcast is for educational purposes only and does not constitute financial, legal, or tax advice. Consult a qualified professional regarding your individual situation.

Send us a text

Big changes are hitting the solar industry.

2025 legislation is ending key federal tax credits and reshaping how solar systems are sold and financed.

In this episode, TJ and Broch share what every Utah homeowner should know:
☀️ How the 2025 law impacts solar incentives
🏠 When solar actually makes financial sense (and when it doesn’t)
💰 The new solar-assist mortgage programs that can fund down payments, roofs, or rate buydowns
⚡ How to calculate your breakeven and avoid paying for someone’s commission

If you’ve ever wondered whether solar is worth it—or how to do it strategically—this episode breaks it all down in true Loans Elevated fashion: no fluff, just facts.

🎧 Listen now and share your thoughts on Instagram → @LoansElevated

🎙 Loans Elevated Podcast

Clear, strategic conversations on mortgages, real estate, and home financing — designed to help you make confident, informed decisions without the hype.

Hosted by Loans Elevated, presented by The Lassig Team at CrossCountry Mortgage.

🔗 Resources & links: https://lassigteam.com
📲 Follow us on Instagram & Facebook: @loanselevated

Hosts:
Broch Lassig - Branch Manager | NMLS 340314
TJ Heidenreich - Sales Manager | NMLS 1802412
Ryan King - Loan Officer | NMLS 1870771
Branch NMLS 2048956

Equal Housing Opportunity.
All loans subject to underwriting approval. Certain restrictions may apply.

CrossCountry Mortgage, LLC | NMLS 3029
www.nmlsconsumeraccess.org

This podcast is for educational purposes only and does not constitute financial, legal, or tax advice. Consult a qualified professional regarding your individual situation.

Send us a text

Utah is entering what experts call “The Decade of Decision.”
With the 2034 Winter Olympics officially on the horizon, every choice we make today—about growth, housing, water, and infrastructure—will shape the Utah we live in tomorrow.

In this episode, the Loans Elevated team breaks down highlights from the new KEM C. Gardner Institute report and explores:
🏔️ What we learned from the 2002 Winter Games
🏘️ How population growth and housing supply will impact affordability
💧 The Great Salt Lake and Utah’s water plan
💡 The Magnificent 7 strengths that make Utah’s economy resilient
⚠️ The Troubling 7 challenges we must address before 2034

Whether you’re a homeowner, investor, or just proud to call Utah home—this conversation will help you see what’s coming and how to prepare for it.

🎧 Listen now and join the conversation about Utah’s future.

🎙 Loans Elevated Podcast

Clear, strategic conversations on mortgages, real estate, and home financing — designed to help you make confident, informed decisions without the hype.

Hosted by Loans Elevated, presented by The Lassig Team at CrossCountry Mortgage.

🔗 Resources & links: https://lassigteam.com
📲 Follow us on Instagram & Facebook: @loanselevated

Hosts:
Broch Lassig - Branch Manager | NMLS 340314
TJ Heidenreich - Sales Manager | NMLS 1802412
Ryan King - Loan Officer | NMLS 1870771
Branch NMLS 2048956

Equal Housing Opportunity.
All loans subject to underwriting approval. Certain restrictions may apply.

CrossCountry Mortgage, LLC | NMLS 3029
www.nmlsconsumeraccess.org

This podcast is for educational purposes only and does not constitute financial, legal, or tax advice. Consult a qualified professional regarding your individual situation.