Money Matters With Dino

Today on Money Matters with Dino, Eric Morgenson from Angel Oak Mortgage Solutions talks with Dino Non-qualified mortgages. What is a non-qualified loan? Well simply, when the borrower's debt to income ratio exceeds more than 35%.  

For more information: 

Call Dino at 949-720-1616 or send an email at [email protected]

Here are just a few things you will learn:

• If a loan is not done properly meaning the consumer does not have the income to repay loan, then the lender can be sued for the full amount of the loan, so lenders must be careful.
• Taxes are not a good indicator of income.  A better indicator than taxes of someone’s income is bank statements and deposits. 
• Add up 12 months of deposits minus the client expenses and divide by 12, that’s the income. 
• These are not the same loans that caused the last recession, because there is no sub-prime credit.  The loans are private money and interest rates are based on the risk to the lender.  The more the borrower puts down and the better their credit score, the lower the rate. 
• When considering Alternative Loans look at the dollar cost average over the life of the loan.
• What happens when there’s a bankruptcy?  It can be as soon as 2 years out of a bankruptcy. 
• There are even programs for foreign investors wanting to buy property.

For more information: 

Call Dino at 949-720-1616 or send an email at [email protected]

Parents beware that student loan debt is now higher than credit card debt in America. Start with a plan for your child early and make sure that everyone understands the goal...avoiding student loans!  Here’s an idea. Instead of buying toys and gifts, contribute to the higher education savings account.  In this episode Financial Executive from Trilogy Financial Services Daniel Lungu gives great tips for parents and their kids alike to help avoid the crushing results of high student loan debt.  Also in studio with Daniel and Dino is Shelley, a real life example of the student loan crisis. Here’s just a few examples of what you’ll hear:

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Now is the time to review your finances particularly how taxes during the distribution of retirement will affect your nest egg.  Having the right Financial Planner on your side can literally mean millions in tax savings if things are handled properly and at the right time. In this episode Regional Vice President of Trilogy Financial Services Kevin Leon comes on to set the record straight.  He and Dino discuss:

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How can an alternative investment such as Mortgage Funds and Trust Deeds be less risky than the traditional investing?  Dino’s guest the CEO of Alliance Portfolio James Perry tells us why Real Estate Investing is not only a safer way to invest, but he shows us how it can completed managed and stress free for the investor.  In this episode you’ll learn:

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A Self-Directed IRA is an IRA that can invest alternative assets such as Trust Deeds and Mortgage Funds.  This is why on today’s show, Dino invited on the perfect combination of experts to talk about the marriage of this terrific investment vehicle with a fantastic alternative investment. As always, there’s a lot to consider, but when set up properly this type of strategy can yield great results.  In this episode Kaaren Hall from UDirect IRA Services and James Perry CEO of Alliance Portfolio discuss:

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The number one reason that people don’t invest in Real Estate is fear. Fear of picking the wrong property, fear of being a landlord and fear of a down market.  What if you could invest in prime Orange County Real Estate without the fear or the hassle? Our guest CEO of Alliance Portfolio, James Perry is here to us about how this is accomplished by utilizing Trust Deed Investments.  Here’s a few things you’ll learn:

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Are you a frustrated investor because it’s too difficult to predict the market?  What if you could invest in a fund that is secured by prime Orange County Real Estate without the hassle? Our guest CEO of Alliance Portfolio, James Perry is here to us why a diversified Private Mortgage Fund is the answer to your frustration and a greta investment. Here’s a few things you’ll learn:

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After hurting herself badly, Noelle Hipke began aquatic therapy where she was exposed to and was given a real affinity and understanding of seniors.   Soon she decided that her career would transition towards helping seniors with the different challenges that they face.  In this show Noelle speaks with Dino with authority on the following topics:

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When you don’t understand how your money works, you will never have any.  James Harnsberger is an Enrolled Tax Agent and has discovered the keys to getting wealthy, by mastering your time, committing to a plan and getting started now.  Poverty to some degree is a choice in this country because people don’t know where to start.

Check out the “Richest Man In Babylon”

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How do you ensure that you work with the highest level of productivity at all times? Why is that important in Real Estate when you have the option to work when you want?  Selling Real Estate is competitive and you must set a high standard of integrity if you want to serve your clients properly and receive referral after referral.   If you want to be your own boss with a successful Real Estate career, stay tuned.  

On today's show Valerie Torelli from Torelli Realty talks to Dino about the value a top realtor brings to their clients!  Here are some of the things he discussed:

Selling or buying propertyin Orange County?  Call Valerie Torelli at 714-540-7355 or email him at [email protected]

Check out our past shows and learn more about the Money matters With Dino community, at www.moneymatterswithdino.com 

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Help us spread the word. Please rate our show on itunes and leave comments for us. Tell us what insights you took from this episode.