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Addy & Casey sit down to cover the true cost of purchasing a home, and the cost of homeownership. Are you ready to purchase knowing the real cost? 

Mikal Mele Mikal Ashley Mele
Loan Officer & Mortgage Advisor
NMLS 963197
Casey Carpenter Casey Carpenter
Loan Officer & Mortgage Advisor
NMLS 1458123
Addy Nett
Loan Officer & Mortgage Advisor
NMLS 1542184
Mortgage Express, LLC NMLS ID 40831 | Equal Housing Lender
Not a commitment to lock or lend.  Terms and conditions apply.  Not all applicants will qualify.  Licensed in OR/WA/CA/AZ/ID with licensing in California by the Department of Financial Protection and Innovation (DFPI) under the Residential Mortgage Act.  Questions and concerns may be directed to our Corporate Office or [email protected].  Visit www.nmlsconsumeraccess.org for more information.

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Mikal and Addy discuss the risks of switching mortgage lenders while home shopping or in transaction. Learn the pros and cons of navigating a switch as a homebuyer. 

Mikal Mele
Loan Officer & Mortgage Advisor
NMLS 963197
 
Casey Carpenter
Loan Officer & Mortgage Advisor
NMLS 1458123
 
Addy Nett
Loan Officer & Mortgage Advisor
NMLS 1542184
 
Mortgage Express, LLC NMLS ID 40831 | Equal Housing Lender
Not a commitment to lock or lend.  Terms and conditions apply.  Not all applicants will qualify.  Licensed in OR/WA/CA/AZ/ID with licensing in California by the Department of Financial Protection and Innovation (DFPI) under the Residential Mortgage Act.  Questions and concerns may be directed to our Corporate Office or [email protected].  Visit www.nmlsconsumeraccess.org for more information.

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Addy & Casey discuss their favorite tips and tricks to combat the pitfalls of inflation. 

1. Introduction

- The hosts, Casey and Addy discuss the impact of inflation on American households.

- They emphasize the importance of taking action to combat the effects of rising costs.

2. Importance of Tracking Spending

- The hosts recommend getting comfortable with reviewing your spending through banking apps and digital tools.

- They suggest building habits like checking your accounts daily or on specific dates (1st and 15th) to stay on top of your finances.

3. Budgeting and Expense Tracking

- The hosts encourage creating a budget, even if it's a simple one, to understand your spending patterns.

- They recommend reviewing your past 2-3 months of expenses to identify areas for potential savings.

4. Grocery Shopping Strategies

- Making a shopping list and avoiding grocery shopping while hungry can help reduce impulse purchases and food waste.

- The hosts suggest leaving the kids at home to minimize additional spending temptations.

5. Managing Credit Card Debt

- The hosts discuss the high interest rates and fees charged by major credit card companies, highlighting the importance of addressing this debt.

- They recommend exploring options like balance transfer offers or debt consolidation loans to reduce interest rates and pay down the balances more effectively.

6. Refinancing Auto Loans

- The hosts note that the auto industry has seen a significant drop in used car values, leading to opportunities to refinance high-interest auto loans.

- They emphasize the importance of avoiding multiple hard credit checks when exploring refinancing options.

7. Maintaining Vehicles

- The hosts suggest prioritizing regular maintenance, such as oil changes and air filter replacements, to avoid costly repairs down the line.

- They highlight the potential savings of doing some maintenance tasks yourself, like replacing air filters.

8. Reviewing Insurance Policies

- The hosts recommend reviewing your auto and home insurance policies, as loyalty may not be rewarded, and there may be opportunities for savings by switching providers.

- They note that credit scores can also impact insurance rates, so it's essential to maintain a good credit profile.

9. Conclusion

- The hosts summarize the key tips for combating inflation, including getting comfortable with your finances, patching up spending leaks, and exploring opportunities to reduce interest rates and payments.

- They emphasize the importance of taking action and staying vigilant to stay ahead of the challenges posed by rising costs.

Mikal Mele

Loan Officer & Mortgage Advisor

NMLS 963197

Casey Carpenter

Loan Officer & Mortgage Advisor

NMLS 1458123

Addy Nett

Loan Officer & Mortgage Advisor

NMLS 1542184

Not a commitment to Lock or Lend. Terms and conditions apply. Not all applicants will qualify. Mortgage Express, LLC. is an Equal Housing Lender. Company ID# 40831

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The MLO crew dives into some creative alternative financing options. Specifically geared towards bank statement loans, self employed individuals and Military Veterans. 

Mikal Mele

Loan Officer & Mortgage Advisor

NMLS 963197

Casey Carpenter

Loan Officer & Mortgage Advisor

NMLS 1458123

Addy Nett

Loan Officer & Mortgage Advisor

NMLS 1542184

Mortgage Express, LLC NMLS ID 40831 | Equal Housing Lender

Not a commitment to lock or lend.  Terms and conditions apply.  Not all applicants will qualify.  Licensed in OR/WA/CA/AZ/ID with licensing in California by the Department of Financial Protection and Innovation (DFPI) under the Residential Mortgage Act.  Questions and concerns may be directed to our Corporate Office or [email protected].  Visit www.nmlsconsumeraccess.org for more information.

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Post Fed Meeting discussing between Mikal, Casey and Addy. Reviewing the impact on the recent reduction of interest rates and how to create a strategy to survive 2025.

Mikal Mele

Loan Officer & Mortgage Advisor

NMLS 963197

Casey Carpenter

Loan Officer & Mortgage Advisor

NMLS 1458123

Addy Nett

Loan Officer & Mortgage Advisor

NMLS 1542184

Mortgage Express, LLC NMLS ID 40831 | Equal Housing Lender

Not a commitment to lock or lend.  Terms and conditions apply.  Not all applicants will qualify.  Licensed in OR/WA/CA/AZ/ID with licensing in California by the Department of Financial Protection and Innovation (DFPI) under the Residential Mortgage Act.  Questions and concerns may be directed to our Corporate Office or [email protected].  Visit www.nmlsconsumeraccess.org for more information.

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After a long break and a physical move of our studio, MLO is back and with a new Co-Host, Mikal Mele. Our director and President of Mortgage Express welcomes us to our new home and then we dive into some brewing topics within Real Estate & Mortgage:

Refinancing: what to know and the importance of breakeven points

Social Media Content from Realtors and Mortgage Lenders (what can you believe?)

Election Period and 2025 FED/Interest Rate Predictions

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Mikal Mele

Loan Officer & Mortgage Advisor

NMLS 963197

Casey Carpenter

Loan Officer & Mortgage Advisor

NMLS 1458123

Addy Nett

Loan Officer & Mortgage Advisor

NMLS 1542184

Mortgage Express, LLC NMLS ID 40831 | Equal Housing Lender

Not a commitment to lock or lend.  Terms and conditions apply.  Not all applicants will qualify.  Licensed in OR/WA/CA/AZ/ID with licensing in California by the Department of Financial Protection and Innovation (DFPI) under the Residential Mortgage Act.  Questions and concerns may be directed to our Corporate Office or [email protected].  Visit www.nmlsconsumeraccess.org for more information.

Send us a text

Breaking down the details of work history - self employed, W2, job changes, etc. - and how they impact a loan approval.

Addison Nett
Mortgage Loan Originator
NMLS 1542184
New American Funding
Website/Contact
https://www.newamericanfunding.com/mortgage-loans/addisonnett

Casey Carpenter
Mortgage Loan Originator
NMLS 1548123
New American Funding
Website/Contact
https://www.newamericanfunding.com/mortgage-loans/caseycarpenter

New American Funding NMLS #6606
© 2024 New American Funding, LLC. All Rights Reserved
NMLS Website:
https://www.nmlsconsumeraccess.org/

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How to avoid getting blindsided in the home buying process.

Addison Nett
Mortgage Loan Originator
NMLS 1542184
New American Funding
Website/Contact
https://www.newamericanfunding.com/mortgage-loans/addisonnett

Casey Carpenter
Mortgage Loan Originator
NMLS 1548123
New American Funding
Website/Contact
https://www.newamericanfunding.com/mortgage-loans/caseycarpenter

New American Funding NMLS #6606
© 2024 New American Funding, LLC. All Rights Reserved
NMLS Website:
https://www.nmlsconsumeraccess.org/

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Media adds to the confusion with their highlights, low lights and interpretations. 

The big news. What you need to know and what you should probably forgot.

Addison Nett
Mortgage Loan Originator
NMLS 1542184
New American Funding
Website/Contact
https://www.newamericanfunding.com/mortgage-loans/addisonnett

Casey Carpenter
Mortgage Loan Originator
NMLS 1548123
New American Funding
Website/Contact
https://www.newamericanfunding.com/mortgage-loans/caseycarpenter

New American Funding NMLS #6606
© 2024 New American Funding, LLC. All Rights Reserved
NMLS Website:
https://www.nmlsconsumeraccess.org/

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Job Report Data

Inflation Figures

Election Period

All Time Credit Card Debt

Managing your Budget

Addison Nett
Mortgage Loan Originator
NMLS 1542184
New American Funding
Website/Contact
https://www.newamericanfunding.com/mortgage-loans/addisonnett

Casey Carpenter
Mortgage Loan Originator
NMLS 1548123
New American Funding
Website/Contact
https://www.newamericanfunding.com/mortgage-loans/caseycarpenter

New American Funding NMLS #6606
© 2024 New American Funding, LLC. All Rights Reserved
NMLS Website:
https://www.nmlsconsumeraccess.org/