Jim Lao and Ryan Genoe discuss the complexities of navigating the mortgage landscape with guest Josh Brooks from TVH Mortgages. The conversation explores the differences between working with mortgage agents and banks, the benefits of choosing an agent, and common misconceptions about mortgage brokers. The hosts

emphasize the importance of understanding financial goals beyond just securing the best rate and highlight the personalized service that mortgage agents provide. They also address the myths surrounding mortgage brokers and clarify the fee structures involved in the mortgage process. In this conversation, Jim Lao and Josh Brooks discuss the intricacies of mortgages, emphasizing the importance of understanding mortgage penalties, the advantages of working with mortgage brokers over banks, and the critical role of pre-approvals in the home buying process. They highlight the need for personalized financial solutions

tailored to individual circumstances, and the value of experience in navigating the mortgage landscape.