🚀 In this inspiring episode of Mortgage On My Mind, host Natalie Salins sits down with Karla Ukman, a wealth planner and financial coach breaking barriers in the financial industry. Karla, founder of Artemis Wealth Management, shares her personal story from financial struggle to becoming an advocate for women and marginalized communities in wealth planning. She explains why not all debt is bad, how to use money as a tool, and the difference between a financial advisor vs. financial planner. We also dive into homeownership’s role in building generational wealth, the myths holding women back financially, and how to align money with values and purpose.

🎧 Hosted by: Natalie Salins

👤 Guest: 🏡 Karla Ukman – Wealth Planner, Financial Coach & Founder of Artemis Wealth Management

Karla Ukman is “Not your father’s advisor”™️. After being dismissed early in her financial journey for not having “enough money,” she experienced firsthand how traditional finance excludes those without generational wealth. She founded Artemis Wealth Management to change that. As a wealth planner and financial coach with over 13 years of experience, Karla partners with women and marginalized communities to help them align their money with their values.

💡 What You’ll Learn:

✔️ Why not all debt is bad—using it as leverage to build wealth

✔️ Financial advisor vs. financial planner – what's the difference?

✔️ How to use money as a tool, not a stressor

✔️ Financial barriers women still face—and how to break them

✔️ How to align money with values, purpose, and legacy

🎵 Whether you're planning your first home purchase, managing debt, or building financial freedom—this episode is packed with real, practical guidance.

💼 Connect with Karla Ukman:

🌎 Website → https://www.artemiswealth.net/

📷 Instagram → https://www.instagram.com/karlaukman

🔗 LinkedIn → https://www.linkedin.com/in/karlaukman

📘 Facebook → https://www.facebook.com/artemiswealthmanagement

🎙 Follow Natalie Salins – Mortgage On My Mind:

🌎 Website → https://movement.com/lo/natalie-salins

📘 Facebook → https://www.facebook.com/natalie.salins/

📷 Instagram → https://www.instagram.com/natalie_salins/?hl=en

🔗 LinkedIn → https://www.linkedin.com/in/natalie-salins-1029583b

💎 Produced by Icons of Real Estate – https://iconsofrealestate.com/

🚀 In this episode of Mortgage On My Mind, host Natalie Salins sits down with Rachel Clark, Executive Director of the Broker Action Coalition (The BAC). Rachel breaks down how The BAC is actively shaping mortgage legislation in Washington D.C. to protect both consumers and mortgage professionals. She reveals the inside story of how the Trigger Lead Ban was passed into law, ending the sale of consumer data after credit pulls — a major victory for privacy and the mortgage industry. Rachel also discusses upcoming legislation that could eliminate lifetime FHA mortgage insurance, improve VA loan awareness, and reform LO compensation to level the playing field for brokers.

🎧 Hosted by: Natalie Salins

👤 Guest: 🏡 Rachel Clark – Executive Director, Broker Action Coalition

Rachel Clark is the Executive Director of the Broker Action Coalition, where she oversees day-to-day advocacy operations. With deep expertise in grassroots organizing and legislative strategy, she leads efforts to advance the coalition’s mission of protecting consumers and supporting mortgage professionals nationwide.

💡 What You’ll Learn:

✔️ What The Broker Action Coalition does and why it matters

✔️ How the Trigger Lead Ban became federal law

✔️ How consumer data is bought, sold, and finally protected

✔️ Upcoming bills: FHA Mortgage Insurance Freedom Act & VA loan awareness

✔️ Possible changes to LO compensation and APR fairness

✔️ How brokers can get involved in legislative advocacy

🎵 Whether you’re a mortgage professional, real estate agent, or consumer — this episode sheds light on the laws that affect your business, your clients, and your privacy.

💼 Connect with Rachel Clark:

🌎 Website → https://brokeractioncoalition.com/

📘 Facebook → https://www.facebook.com/groups/brokeractioncoalition

📷 Instagram → https://www.instagram.com/brokeractioncoalition

🔗 LinkedIn → https://www.linkedin.com/company/broker-action-coalition

🎙 Follow Natalie Salins – Mortgage On My Mind:

🌎 Website → https://movement.com/lo/natalie-salins

📘 Facebook → https://www.facebook.com/natalie.salins/

📷 Instagram → https://www.instagram.com/natalie_salins/?hl=en

🔗 LinkedIn → https://www.linkedin.com/in/natalie-salins-1029583b

💎 Produced by Icons of Real Estate – https://iconsofrealestate.com/

🚀 In this episode of Mortgage On My Mind, host Natalie Salins sits down with Valerie Van de Zilver, a seasoned real estate professional and senior transition specialist. With over four decades in the industry, Valerie shares her journey from running a mortgage company to creating two radio shows — Always Ageless Radio and SoCal with Val. She opens up about her personal inspiration from her 106-year-old mother, lessons in longevity, and her mission to help seniors transition gracefully through life’s major changes.

🎧 Hosted by: Natalie Salins

👤 Guest: 🏡 Valerie Van de Zilver – Real Estate Professional & Senior Transition Specialist

Valerie Van de Zilver is a seasoned real estate professional and Senior Transition Specialist based in Southern California. With over four decades of experience and more than $21 million in closed transactions, she has become a trusted guide for clients navigating major life changes, especially seniors transitioning to new living situations. Valerie is also the host of Always Ageless Radio, where she shares insights on thriving at every stage of life and highlights resources for aging gracefully. As the founder of Powermarketing, Inc., she combines her deep knowledge of real estate with a passion for education and community support.

💡 What You’ll Learn:

✔️ How Valerie built a 40-year career in real estate and mortgage lending

✔️ The inspiration behind her Always Ageless brand and radio show

✔️ Lessons in longevity and sustaining success through mindset

✔️ Insights on working with seniors and supporting family transitions

✔️ The importance of service, purpose, and protecting clients with care

🎵 Whether you're an investor, agent, or simply passionate about purposeful living, this episode offers heartfelt inspiration and timeless wisdom.

💼 Connect with Valerie Van de Zilver:

📘 Facebook → https://facebook.com/valerievdz

📷 Instagram → https://instagram.com/therealvaleriev

🔗 LinkedIn → https://linkedin.com/in/valerievdz

🎙 Follow Natalie Salins – Mortgage On My Mind:

🌎 Website → https://movement.com/lo/natalie-salins

📘 Facebook → https://www.facebook.com/natalie.salins/

📷 Instagram → https://www.instagram.com/natalie_salins/?hl=en

🔗 LinkedIn → https://www.linkedin.com/in/natalie-salins-1029583b

💎 Produced by Icons of Real Estate – https://iconsofrealestate.com/

🚀 In this episode of Mortgage On My Mind, host Natalie Salins sits down with Robbyn Battles, a California-based real estate expert with over 30 years of experience. From serving as a Commissioner on the LA County Tax Appeals Board to understanding generational market shifts, Robbyn shares lessons on client relationships, community service, and adapting to evolving technology in real estate. This conversation is filled with stories, humor, and real-life wisdom from decades of navigating the housing industry.

🎧 Hosted by: Natalie Salins

👤 Guest: 🏡 Robbyn Battles – Senior & Luxury Real Estate Specialist

Robbyn Battles is based in California with over 30 years of industry experience who began assisting in her parents’ real estate business at age 13 and later took over their operations. She holds certification as a Senior Real Estate Specialist and as a Luxury Home Marketing Specialist. In 2022, she was ranked among the Top 1% of agents in the U.S. by RealTrends. She also served as a Commissioner on the LA County Tax Appeals Board, appointed by the LA County Supervisor’s Office.

💡 What You’ll Learn:

✔️ What it’s like serving on the LA County Tax Appeals Board

✔️ How real estate has evolved over 40 years

✔️ The biggest generational and technological shifts in the housing market

✔️ Strategies for helping senior and boomer clients transition

✔️ How authenticity and storytelling build long-term client trust

🎵 Whether you're an investor, agent, or homebuyer, this episode offers valuable insights!

💼 Connect with Robbyn Battles:

🌎 Website → https://thehouseagent.com/

📘 Facebook → https://www.facebook.com/RobbynBattlesTheHouseAgent

📷 Instagram → https://instagram.com/RobbynBattles

🔗 LinkedIn → https://www.linkedin.com/in/robbynbattles

🎙 Follow Natalie Salins – Mortgage On My Mind:

🌎 Website → https://movement.com/lo/natalie-salins

📘 Facebook → https://www.facebook.com/natalie.salins/

📷 Instagram → https://www.instagram.com/natalie_salins/?hl=en

🔗 LinkedIn → https://www.linkedin.com/in/natalie-salins-1029583b

💎 Produced by Icons of Real Estate – https://iconsofrealestate.com/

🚀 In this episode of Mortgage On My Mind, host Natalie Salins sits down with Adam Brawer, founder of Brawer Estates and one of Los Angeles’ most innovative luxury real estate agents. Adam shares expert insights on how buyers can successfully buy before they sell, the strategies to win bidding wars, and creative ways to structure financing in today’s market. With his background in entertainment and a reputation for relationship-driven dealmaking, Adam reveals how creativity, honesty, and strategy can help both agents and clients thrive — even in competitive luxury markets.

🎧 Hosted by: Natalie Salins

👤 Guest: 🏡 Adam Brawer – Founder of Brawer Estates | Luxury Real Estate Expert, Los Angeles

Adam Brawer is the President and Founder of Adam Brawer Estates, affiliated with Compass in Los Angeles. He specializes in luxury residential transactions in Malibu, Pacific Palisades, Santa Monica, Brentwood, and Venice, with a track record of representing A-list clients and off-market deals. Adam was awarded the “Fastest-Growing Agent” distinction by Homesnap from among over one million agents nationwide.

💡 What You’ll Learn:

✔️ Why “buying before selling” gives you a competitive edge in today’s market

✔️ How to structure contingent and non-contingent offers effectively

✔️ Creative financing solutions: cash-out refis, HELOCs, and margin loans

✔️ How to win a bidding war — even against all-cash offers

✔️ Why communication and transparency build trust with clients

🎵 Whether you’re a realtor or homeowner, this episode gives you the insider edge to navigate buying, selling, and winning in real estate.

📇 Connect with Adam Brawer:

📷 Instagram → https://www.instagram.com/adambrawer/?hl=en

🔗 LinkedIn → https://www.linkedin.com/in/adambrawer/

🌐 Website → https://adambrawerestates.com/

🎙 Follow Natalie Salins – Mortgage On My Mind:

🌎 Website → https://movement.com/lo/natalie-salins

📘 Facebook → https://www.facebook.com/natalie.salins/

📷 Instagram → https://www.instagram.com/natalie_salins/?hl=en

🔗 LinkedIn → https://www.linkedin.com/in/natalie-salins-1029583b

💎 Produced by Icons of Real Estate – https://iconsofrealestate.com/

🚀 In this episode of Mortgage On My Mind, host Natalie Salins chats with Jon Swire, top-producing real estate advisor and UCLA instructor. Jon shares how he pivoted from tech startups to building a thriving real estate business with over a billion dollars in transactions. From his cold-calling grind to teaching investment real estate and writing his own book, Jon reveals the mindset, structure, and discipline behind long-term success in multifamily real estate.

🎧 Hosted by: Natalie Salins

👤 Guest: 🏡 Jon Swire – Real Estate Advisor, Author & UCLA Instructor

Jon Swire is a top-producing real estate advisor at The Agency specializing in Los Angeles multi-family properties. His distinguished career includes closing over 500 transactions for more than $1 billion in sales, earning him the remarkable ranking of #3 Agent in the United States. A consistent top 5% international producer, Swire is also a published author and a respected real estate instructor at UCLA Extension, cementing his status as a leading authority in investment real estate. 

💡 What You’ll Learn:

✔️ How Jon transitioned from software sales to real estate success

✔️ The power of discipline, structure, and goal setting in business

✔️ The real value of multifamily investing vs. residential

✔️ Lessons from the 2008 market crash and adapting in downturns

✔️ How to overcome fear and take action in real estate investments

🎵 Whether you’re an investor, agent, or aspiring entrepreneur, this episode offers valuable lessons on mindset, risk-taking, and financial growth.

💼 Connect with Jon Swire:

🌐 Website →https://www.jonswire.com/

🌐 Website → https://www.theagencyre.com/agent/jon-swire

🎙 Follow Natalie Salins – Mortgage On My Mind:

🌎 Website → https://movement.com/lo/natalie-salins

📘 Facebook → https://www.facebook.com/natalie.salins/

📷 Instagram → https://www.instagram.com/natalie_salins/?hl=en

🔗 LinkedIn → https://www.linkedin.com/in/natalie-salins-1029583b

💎 Produced by Icons of Real Estate – https://iconsofrealestate.com/

🚀 In this episode of Mortgage On My Mind, host Natalie Salins welcomes Matias Baker Masucci, a seasoned Beverly Hills realtor with Berkshire Hathaway. Known for his expertise in luxury, trust, and probate sales, Matias brings over two decades of experience helping clients navigate complex real estate transactions with clarity, integrity, and discretion. Matias shares insider knowledge about fraud prevention, taxation advantages, and why estate planning is the ultimate key to protecting generational wealth.

🎧 Hosted by: Natalie Salins

👤 Guest: 🏡 Matias Baker Masucci – Luxury Realtor | Probate & Trust Specialist | Host of The Probate Realtor Show

Matias Baker Masucci - A seasoned Beverly Hills Realtor® with Berkshire Hathaway HomeServices, Matias specializes in luxury real estate across Los Angeles. Fluent in Italian and known for his integrity and results, Matias also hosts The Probate Realtor Show, sharing insights on navigating complex legacy transactions.

💡 What You’ll Learn:

✔️ What probate really means and why it matters in real estate

✔️ The difference between full authority and limited authority probates

✔️ How to avoid fraud and protect estates from exploitation

✔️ The tax advantages of selling inherited properties

✔️ How investors find opportunities in probate and trust sales

✔️ Common misconceptions and how long the probate process really takes

🎵 Whether you’re an agent, investor, or family member managing an estate, this episode offers practical, real-world advice for navigating probate confidently.

💼 Connect with Matias Baker Masucci:

🌐 Website → https://everyla.com/

📷 Instagram → https://www.instagram.com/matiasbroker

📘 Facebook → https://www.facebook.com/matiasbakermasucci/

🔗 LinkedIn → https://www.linkedin.com/in/matiasbroker/

🎙 Follow Natalie Salins – Mortgage On My Mind:

🌎 Website → https://movement.com/lo/natalie-salins

📘 Facebook → https://www.facebook.com/natalie.salins/

📷 Instagram → https://www.instagram.com/natalie_salins/?hl=en

🔗 LinkedIn → https://www.linkedin.com/in/natalie-salins-1029583b

💎 Produced by Icons of Real Estate – https://iconsofrealestate.com/

🚀 In this episode of Mortgage On My Mind, host Natalie Salins sits down with Rudy Herrera, a Fresno-based realtor and real estate investor who specializes in helping veterans and first-time homebuyers achieve homeownership through VA and FHA loans. Rudy shares his inspiring journey from maintaining Navy aircraft to becoming one of the most trusted realtors on the base, along with valuable insights into assumable loans, flipping homes, and staying motivated in today’s market.

🎧 Hosted by: Natalie Salins

👤 Guest:

🏡 Rudy Herrera – Realtor & Real Estate Investor

Rudy Herrera is a Fresno-based realtor and real estate investor who has successfully built a diverse investment portfolio across the Central Valley. With over a decade of experience in the industry, his expertise includes multiple flips, rental properties, and multi-family units. He specializes in helping investors identify cash-flowing opportunities and maximize ROI through market analysis, rehab planning, and strategic acquisitions. Rudy is also a licensed agent with deep local market knowledge, and he regularly mentors first-time investors looking to break into real estate.

💡 What You’ll Learn:

✔️ How VA and FHA loans differ — and when to use each

✔️ The process and challenges of assumable VA loans

✔️ How to turn your first home into an investment opportunity

✔️ Tips for managing renovations and financing

✔️ The power of education and trust in real estate

✔️ What keeps Rudy motivated to serve veterans and families

🎵 If you’re a veteran, first-time buyer, or aspiring investor, this episode is filled with practical and inspiring advice!

💼 Connect with Rudy Herrera:

🌐 Website → https://linktr.ee/rudy_the_realtor

📸 Instagram → https://www.instagram.com/_rudy_the_realtor

📘 Facebook → https://www.facebook.com/Rudy.Herrera.12

🎙 Follow Natalie Salins – Mortgage On My Mind:

🌎 Website → https://movement.com/lo/natalie-salins

📘 Facebook → https://www.facebook.com/natalie.salins/

📷 Instagram → https://www.instagram.com/natalie_salins/?hl=en

🔗 LinkedIn → https://www.linkedin.com/in/natalie-salins-1029583b

💎 Produced by Icons of Real Estate – https://iconsofrealestate.com/

🚀 In this episode of Mortgage On My Mind, host Natalie Salins welcomes Brittney Shull – licensed real estate advisor and founder of Your RE Bestie. Serving both Minnesota’s Twin Cities and California’s Central Valley, Brittney brings a wealth of knowledge on navigating two very different real estate landscapes. With over $64M in closed sales and 180 transactions in just five years, she’s not only a top-performing agent but also the founder of Central Valley Real Producers, a platform connecting agents with local vendors. Together, Natalie and Brittney dive into escrow vs. title states, the challenges of HOA/condo financing, and how collaboration beats competition in real estate.

🎧 Hosted by: Natalie Salins

👤 Guest: 🏡 Brittney Shull – Realtor, Founder of Your RE Bestie & Central Valley Real Producers

Brittney Shull is the founder of “Your R.E. Bestie” and a licensed real estate advisor serving both the Twin Cities in Minnesota and Central Valley in California. With a background in interior design and a passion for real estate, Brittney is known for creating a friendly, fun, and faith-driven home buying and selling experience. She is also the owner of Central Valley Real Producers, connecting top-performing agents with local businesses. With over $64 million in sales and 180+ transactions in just five years, Brittney has built a reputation as a trusted, approachable expert—your go-to "Real Estate Bestie."

💡 What You’ll Learn:

✔️ The differences between escrow states and title states in real estate

✔️ Key contrasts in closing timelines between California and Minnesota

✔️ How HOAs and condo financing impact buyers and sellers today

✔️ Why collaboration among real estate professionals benefits everyone

✔️ Brittney’s journey from social work and design into real estate success

🎵 Whether you’re an agent, buyer, or seller, this episode is packed with insights to guide your real estate journey!

💼 Connect with Brittney Shull:

🌐 Website → https://yourbstfriends.com/

📷 Instagram → https://www.instagram.com/brittneyyourrebestie/

📘 Facebook → https://www.facebook.com/centralvalleyrealproducers

🎙 Follow Natalie Salins – Mortgage On My Mind:

🌎 Website → https://movement.com/lo/natalie-salins

📘 Facebook → https://www.facebook.com/natalie.salins/

📷 Instagram → https://www.instagram.com/natalie_salins/?hl=en

🔗 LinkedIn → https://www.linkedin.com/in/natalie-salins-1029583b

💎 Produced by Icons of Real Estate – https://iconsofrealestate.com/

🚀 In this episode of Mortgage On My Mind, host Natalie Salins sits down with Sammy Lyon, a Los Angeles–based real estate broker and founder of Good Rents, to talk about socially conscious real estate, house hacking, and creating pathways to homeownership. Sammy shares their journey from educator to real estate investor, explains how Good Rents reinvests 5% of profits into social and racial justice initiatives, and breaks down the realities of buying in LA versus out of state. They also dive into ADUs, appreciation versus cash flow, and long-term wealth-building strategies.

🎧 Hosted by: Natalie Salins

👤 Guest: 🏡 Sammy Lyon – Real Estate Broker, Educator & Founder of Good Rents

Sammy Lyon is a Los Angeles-based real estate broker and the founder of GoodRents, a socially conscious real estate initiative that reinvests 5% of gross profits into social and racial justice work. Since entering the industry in 2018, Sammy has built a thriving multi-unit portfolio through house hacking and now helps first-time buyers and small investors across L.A. navigate the market with confidence. With a background in education and construction project management, Sammy brings educator-style guidance to real estate and has earned praise across platforms like HGTV’s House Hunters, Newsweek, US News & World Report, and Yahoo Finance.

💡 What You’ll Learn:

✔️ How Sammy transitioned from teaching to real estate investing

✔️ The mission behind Good Rents and its 5% give-back model

✔️ House hacking strategies and FHA financing tips

✔️ The role of ADUs in Los Angeles real estate

✔️ Why appreciation often outweighs cash flow in LA markets

✔️ How to align real estate investing with social justice values

🎵 Whether you’re a first-time buyer, aspiring investor, or socially conscious entrepreneur, this episode will inspire you to align values with real estate success

💼 Connect with Sammy Lyon:

🌎 Website → https://www.lyonideas.com/

📘 Facebook → https://www.facebook.com/lyonides

📷 Instagram → https://www.instagram.com/lyonides

🔗 LinkedIn → https://www.linkedin.com/in/sammylyon/

🎙 Follow Natalie Salins – Mortgage On My Mind:

🌎 Website → https://movement.com/lo/natalie-salins

📘 Facebook → https://www.facebook.com/natalie.salins/

📷 Instagram → https://www.instagram.com/natalie_salins/?hl=en

🔗 LinkedIn → https://www.linkedin.com/in/natalie-salins-1029583b

💎 Produced by Icons of Real Estate – https://iconsofrealestate.com/