Loans Elevated

On this episode of The Loans Elevated Podcast, Broch is joined by Landin Arnett. For Part One of Inside the Mind of an Appraiser! Landin is an appraiser and real estate investor based in Utah. Landin shares how he has been appraising in Utah for six years now and is married to a very successful and high producing agent so he has a broad range of knowledge that he is excited to share with you today. 

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🎙 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.

On this episode of The Loans Elevated Podcast, Broch speaks about down payments and explains if they make a difference or not. This topic is truly at the root of what loans elevated is all about, creating wealth through real estate and understanding how to properly leverage. Broch states that there isn’t a perfectly linear answer to this question as every situation will have different circumstances and what’s right for one person may not be right for another. So should you put more money down? Broch states that generally, no, you shouldn’t. Broch explains that the fact is on mortgage financing every $1,000 you put down only saves you $5-$5.50.  

Send us Fan Mail

🎙 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.

On this episode of The Loans Elevated Podcast, Broch shares the top three Home Financing myths he regularly hears. Broch explains why these are myths and shares his best advice on how you can start your roadmap to becoming a home owner now. Broch states that the sooner you can become a home owner the better. 

Send us Fan Mail

🎙 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.

On this episode of The Loans Elevated Podcast, Broch discusses if recession is looming. Broch states that economist can’t agree if recession is looming or not but what we are seeing blow up in the news is that 10 year treasury bonds and 2 year treasury bonds have inverted. This means that short term loans are now paying better returns than long term investments. Broch states that since the 60’s every time this has happened it has led to a recession within and around 12 months. Broch explains what this means for real estate, home prices and mortgage rates. Broch mentions that historically mortgage rates drop by around 30%-50% and states that we might even see mortgage rates drop back down into the mid twos which is so significant. Broch speaks about 2008 and how things are different now to then. In terms of real estate, in 2008 there was an oversupply of homes which stagnated when 2008 came which caused a massive undersupply of homes. Mortgage companies were qualifying home buyers and borrowers for loans that they were not qualified for. Broch states that mortgage companies have now corrected themselves and will only give loans to people who actually qualify for them. With regards to home prices, since the 60’s recession has almost always led to increasing home prices either during or right after the recession. The big take away from this episode is that there will never be a perfect time to buy a home but Broch highly encourages you to buy now and lock todays home prices in. Broch states that based on history we will likely see mortgage rates drops and that’s where you can bake in your savings through a re-finance which is very inexpensive and easy to do. If you would like more information and links to the resources Broch studies please reach out today! 

Send us Fan Mail

🎙 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.

On this episode of The Loans Elevated Podcast, Broch discusses adjustable rate mortgages. Broch debunks some common misunderstandings about adjustable rate mortgages and shares how you can actually use them to strategically ensure that you’re not exposing yourself to more risk, despite them seeming more risky in the beginning, if you just plan for the future and set goals. Broch speaks about how a lot of people have a bad perception of adjustable rate mortgages because of what we seen during the mortgage meltdown. Broch reminds you that ARM loans look incredible different in modern day than they did back then. ARM’s used to be fixed for only a year and didn’t have caps on them and would often reach double digit rates easily. Broch states that ARM’s are not risky as long as you have done your research and understand what you’re getting into. Broch also mentions how the biggest difference from then to now is that the rate is not fixed for the entire 30 year term and recommends that you agree to a maximum of a 7 year fixed rate ARM. Speaking from an advantage point and Broch is constantly watching what’s happening in this area, Broch states that personally he has had more adjustable rate mortgages than fixed due to the fact that ARM’s oftentimes are lower in rate, meaning lower payment, than a 30 year fixed option. Broch advises you to investigate, educate yourself and ensure you know your options. 

Send us Fan Mail

🎙 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.

On this episode of The Loans Elevated Podcast, Broch is joined by his first guest Jacob Graff! Jacob is a long-term past client and current team member of Broch. Throughout this episode Jacob shares his success story from working with Broch and how Broch was able to completely elevate his life by being a great friend and holistic mortgage strategist.  

Jacob speaks about how until meeting and working with Broch, he had never met anyone who really cared about a customer from the beginning of transaction to the end of transaction and who continued the relationship whilst building wealth. Jacob states that he trusted Broch initially because he treated him like a friend from day 1 and has really helped him create wealth through real estate since knowing each other.

Send us Fan Mail

🎙 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.

On this episode of The Loans Elevated Podcast, Broch speaks about house hacking! Before sharing his best house hacking tips that will allow you to amplify your wealth through home owner ship and simple strategies, Broch encourages you to leave some feedback about the podcast! Broch encourages you to let him know on Instagram if you have found the content so far valuable. Broch’s first house hacking tip is for those who want to build a rental portfolio, the buy rent, buy rent strategy. Broch discusses the importance of primary residences and how they allow you to put the least amount of money down whilst offering the best possible financing terms. Broch shares how you can purchase a primary residence with 5% down payment, live in it for 1 year, move out and purchase a second primary residence and rent the first one out with optimal loan terms. However, if you are someone who doesn’t want to build a rental portfolio but still want to create wealth through real estate then Broch’s second house hacking strategy is for you. This one is all about riding the appreciation wave. If you purchase a home and live in it for two years then you can benefit off the15% year over year appreciation that we are currently seeing. Broch shares a final house hacking strategy before expressing how everyone situation is different. Broch is here to help so if you would like him to walk you through what your specific options are then reach out through email or Instagram!

Send us Fan Mail

🎙 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.

On this episode of the Loans Elevated Podcast Broch speaks about Eliminating PMI. Can you get rid of your mortgage insurance?... In some cases yes. Broch takes us through the possible options for doing this. Broch states that most of the FHA loans can be eliminated within 11 years but there are some exceptions. Broch speaks about how it used to make sense to re-finance in order to get rid of PMI but because of the rate rising environment we are living in right now, for most people re-financing is not the best option. Broch mentions the CFPB have a rule that states that every lender must eliminate the PMI automatically once the loan hits 78% loan to value based on the original a—-- and not including the appreciation on the home in the future. Broch shares that one of the solutions to this is through the use of appreciation. You need to call your mortgage company to instigate this process and begin with discussing their policies around their borrower initiated removal of mortgage insurance. Also, if you are at 75% or less to value, you have owned your home and have paid your mortgage on time for at least 2 years then there is the ability to get rid of the mortgage insurance.  Broch shares a second option which can be only be done if you have bought the home and improved it dramatically to create more value. Broch encourages you to reach out and use your lending resources like himself, to get all the facts and be guided through the entire process. Broch also encourages you to reach out and let him know if there are any topics you would like him to discuss and share information on in future episodes. 

Send us Fan Mail

🎙 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.

On this episode of The Loans Elevated Podcast, Broch debates if buying is more risky than renting. Broch designed this podcast with the aim of helping others create more wealth through home ownership by empowering others with information, addressing common myths and debunking anything that is holding people back from home ownership. 

A huge bonus to buying instead of renting is that you can generate wealth creation through home ownership! If you have been inspired by this episode to take action or want to understand what your options are reach out to Broch and his team. 

Send us Fan Mail

🎙 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.

On this episode of The Loans Elevated Podcast, Broch shares information about FEB funds rates and mortgage rates – and what they actually mean. Broch encourages you to seek advice and speak to a mortgage professional instead of listening to mainstream media and their emotion targeted headlines. Broch states that the media is guilty of instilling whatever is going to drive the most emotional reaction from people and it’s regularly done within the real estate world. 

Broch takes us through FEB rates and their relation to mortgage rates. In March 2020 FEB dropped their rates to 0% right when the pandemic hit despite them being increasing since 2018 and during 2019. Broch mentions how FEB increase their rates to change the behaviour of the markets, slow down the economy and curve inflation. 

Broch reminds us that it’s important to know that FEB funds rates are going to increase because of inflation – mortgage rates are not the same as FEB funds rates. Broch explains how the FEB funds rate is the overnight borrowing rate for banks and how they’re mostly related to business and commercial loans. 

Broch shares how FEB funds rates and mortgage rates are correlated indirectly due to the behaviour of the markets, he also shares how we can expect to see FEB funds rates increasing over the year. Broch provides some final advice and strongly encourages you to use more logic and less emotion when making your investments. 

Send us Fan Mail

🎙 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.