Loans Elevated

Can you actually buy a home in 2025 with no money out of pocket? The answer is YES, and it might be the smartest financial move you make this decade.

In this week’s episode of Loans Elevated, we dismantle the biggest myth in real estate (“you need 20% down”) and walk through real client strategies for buying homes with $0 cash out of pocket—even paying off debt along the way.

You’ll learn:

• The truth about 100% financing (VA, USDA, Utah Housing)
• How to use seller concessions, silent seconds, and grants
• Joint ventures: how family members are investing in real estate together
• Why waiting to buy could cost you $50K+ in lost equity
• How to calculate total cost vs just monthly payment

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.

Everyone’s talking about affordability, but most of the conversation is dead wrong. It’s not just about the monthly payment. It’s about control, stability, and long-term financial leverage.

In this episode of F.U.E.L. by Loans Elevated, we sit down with real estate agent (and former compliance officer) Jon Bass to unpack the real definition of affordability in 2025 and why homeownership is still the ultimate move, even with today’s rates.

Plus: Hear the real client stories behind creative refi strategies, equity leverage, and what not to believe from the media.

📘 Get the free eBook: loanselevated.com

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.

A client walked into our office this week ready to pay 4 points on his loan, all because Google told him to. But here’s the problem: not only would it not get him the rate he wanted… it would’ve cost him thousands in the long run.

In this week’s episode, we’re breaking down the real math and strategy behind mortgage points. You’ll learn the difference between discount points, origination points, and temporary buydowns—and when (if ever) you should use them.

We cover:

• When discount points make sense (and when they’re a trap)
• Why most break-even periods make buying points a loss
• How 2-1 buydowns work and more!

💡 Plus, we introduce our new Strategic Mortgage Audit Tool—a free, no-obligation second opinion to help you avoid overpaying or getting stuck in a bad structure.

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.

Listing inventory is rising. Days on market are climbing. Price reductions are creeping in. If you’re a real estate agent feeling the pressure, this episode is for you.

In this tactical episode of Loans Elevated, we break down what we learned at Tom Ferry’s Listing Edge event and how we’re helping agents fight back using our Sell Like The Builder strategy. Spoiler: It’s not just about photos or price.

You’ll learn:

• Why 24% of Utah listings are seeing price cuts
• How to prevent “days on market death”
• How interest rate buydowns + appraisal certainty = more offers

We give you the exact system: flyers, scripts, approved MLS remarks, and a custom cost-sharing incentive that helps both buyers and sellers win.

Get started in less than 5 minutes → loanselevated.com/sell-like-the-builders

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.

Are you prepared if the next recession hits? In this episode of the Loans Elevated Podcast, we break down exactly how to recession-proof your finances before it’s too late.

We cover:

• Strategic mindset shifts that build resilience
• How to analyze your true monthly expenses
• Real-world hacks to reduce spending and boost savings
• Why a recession isn’t the end—it's a wealth transfer opportunity
• How debt consolidation and HELOCs can free up cashflow
• How to use our free tools to build your own plan

📥 Download the Financial Freedom Worksheet: https://loanselevated.com/tools
📘 Download our free eBook: A Simple Path to Financial Freedom https://HMPbook.com

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.

Most people think building wealth through real estate is complicated or out of reach, but what if all it took was two homes?

In this special episode of Loans Elevated, we unpack a live talk we gave to the Salt Lake Board of Realtors about transformational real estate planning. You’ll learn why real estate is still the #1 path to wealth, how to shift your thinking from transactional to strategic, and how a basic buyer can turn two lifetime purchases into over $4 million in assets.

We break down:

• Why “holistic mortgage planning” > lowest rate
• The Two Homes to Generational Wealth scenario
• How realtors and lenders confuse relationships with results
• What most lenders and agents get wrong about advice

💡 This episode is for buyers, homeowners, and professionals who are ready to play the long game and win.

BONUS: Download the eBook → https://hmpbook.com

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.

What if your income dropped by 50%… tomorrow? What if the banks froze your credit lines and you had no access to cash? Could you survive the financial storm?

In this episode of Loans Elevated, we run a complete financial fire drill—inspired by our latest blog post—to help you simulate worst-case scenarios before they happen. We cover the 9 critical questions everyone should ask to protect their income, assets, family, and sanity.

1. What would we do if our income dropped by 50% tomorrow?

2. If the market crashed, what assets could we actually access quickly?

3. What is our monthly essential burn rate (food, housing, insurance, utilities)?

4. How long could we sustain our lifestyle with no new income?

5. What expenses could we cut immediately?

6. What are our backup plans for cash flow or credit, and how reliable are they?

7. Where are we assuming too much stability?

8. What would we do differently if we knew this scenario was 90 days away?

9. Are we emotionally prepared to lead through that kind of storm?

🔗  Read the full blog post → loanselevated.com

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.

Buying a home isn’t just about the payment. In this episode, we break down the truth behind holistic mortgage planning, why liquidity trumps low payments, and how smart leverage creates wealth—not stress. We cover:

• How to plan for future income (and avoid buyer’s remorse)
• When it’s smarter to pay off a car vs. put more down
• Why putting all your money into a house can backfire
• How to structure your plan for life stages: early career, mid-life, and retirement

Plus, we drop a free tool: the Financial Freedom Worksheet and a brand-new ebook on holistic mortgage planning.

🎯 Download the worksheet and ebook here → LoansElevated.com
🎧 Subscribe for more: Spotify | Apple | YouTube

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.

Is your credit score actually accurate? If you're relying on Credit Karma, there's a good chance the number you see isn’t even close to what lenders use. In this bonus F.U.E.L. episode from The Loans Elevated Podcast, we sit down with JP from UQUAL to break down the truth behind credit scores in 2025.

→ Follow Juan on Instagram: @madaboutcredit
→ Learn more about UQUAL: https://uqual.com

About F.U.E.L. -
F.U.E.L. is a new segment of the Loans Elevated Podcast for real estate agents and professionals looking to learn from industry leaders, gain valuable strategies, and grow their businesses. New episodes drop monthly—be sure to tune in!

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.

Selling a home in 2025 isn't one-size-fits-all, especially in this market. In part two of our Match & Mirror series, we break down the 4 most common types of sellers agents will face and exactly how to win them over.

We unpack how to identify each type, exactly what they need from you, and how to adapt your sales approach to WIN.

If you're tired of losing clients to other agents or struggling to convert leads, this episode will change how you sell forever.

👉 Want our full Client Match & Mirror cheat sheet?
Visit loanselevated.com and request your copy 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.