Jill Paddock, Lead Buyer's Agent with the TJK Team & Heather Oliboni, Executive Assistant on the TJK Team both talk about the current market for buyers, the struggles, & what it takes to buy a home right now in this (still) seller's market. With inventory at record lows, the buyers having a lot of struggles, but working with an experienced agent is key.

How can we help?? If you are looking to buy or sell, let us know how we can give our experience to your real estate journey. Have questions about this podcast, real estate or getting your real estate license? Reach out to us! Jill Paddock- 520.260.8545 | [email protected] OR Heather Oliboni- [email protected]

www.TheTJKTeam.comKeller Williams Southern Arizona1745 E River #245 Tucson, AZ 85718

Curious about what the current real estate market is looking like? This is a great podcast to see what is happening with buyers and seller, plus some looking into the crystal ball from current market data.

This episode was cast with Seanna Cormier, NMLS # 1433188 of Guild Mortgage company LLC is an Equal Housing Lender, Company NMLS # 3274. Guild Mortgage is not affiliated with Keller Williams, Keller Williams Southern Arizona, The Tom J Krieger Team or Tom Krieger. If you have any mortgage or lending questions feel free to reach out to Seanna- 520.820.0560 | [email protected]

Have questions about this podcast, real estate or getting your real estate license? Reach out to us! Tom Krieger- 520.907.5305 | [email protected]

www.TheTJKTeam.com Keller Williams Southern Arizona 1745 E River #245 Tucson, AZ 85718

This week we tackle the complicated & forever changing world of the different loan types. This is where we scratch the surface on the differences between a FNMA (Fannie Mae), FHLMC (Freddie Mac), GNMA (Ginnie Mae), conventional, FHA, VA, & USDA loans. As you may know, it can get complicated, so as always, please feel free to reach out to us if you have any questions, we would love to answer them!

This episode was cast with Seanna Cormier, NMLS # 1433188 of Guild Mortgage company LLC is an Equal Housing Lender, Company NMLS # 3274. Guild Mortgage is not affiliated with Keller Williams, Keller Williams Southern Arizona, The Tom J Krieger Team or Tom Krieger. If you have any mortgage or lending questions feel free to reach out to Seanna- 520.820.0560 | [email protected]

Have questions about this podcast, real estate or getting your real estate license? Reach out to us!

Tom Krieger- 520.907.5305 | [email protected] Williams Southern Arizona1745 E River #245 Tucson, AZ 85718

Have you ever wondered the difference between banks, lenders, servicers, and brokers? There are different lending practices and models to get buyers their mortgages. This episode is a primer into the complicated world of lending institutions.

This episode was cast with Seanna Cormier, NMLS # 1433188 of Guild Mortgage company LLC is an Equal Housing Lender, Company NMLS # 3274. Guild Mortgage is not affiliated with Keller Williams, Keller Williams Southern Arizona, The Tom J Krieger Team or Tom Krieger. If you have any mortgage or lending questions feel free to reach out to Seanna- 520.820.0560 | [email protected]

Have questions about this podcast, real estate or getting your real estate license? Reach out to us!

Tom Krieger- 520.907.5305 | [email protected] www.TheTJKTeam.com Keller Williams Southern Arizona 1745 E River #245 Tucson, AZ 85718

What is a credit score and why does it have so much affect on the mortgage loan process? We dive into what makes up a credit score, tips on repairing it, and some do's & don'ts. 

For more information on your Annual Credit Report, go to www.consumer.ftc.gov/articles/free-credit-reports it is your right to see it for free without affecting it!

This episode was cast with Seanna Cormier, NMLS # 1433188 of Guild Mortgage company LLC is an Equal Housing Lender, Company NMLS # 3274. Guild Mortgage is not affiliated with Keller Williams, Keller Williams Southern Arizona, The Tom J Krieger Team or Tom Krieger. If you have any mortgage or lending questions feel free to reach out to Seanna- 520.820.0560 | [email protected]

Have questions about this podcast, real estate or getting your real estate license? Reach out to us! Tom Krieger- 520.907.5305 | [email protected]

www.TheTJKTeam.com Keller Williams Southern Arizona 1745 E River #245 Tucson, AZ 85718

The Millennial is the often forgotten generation and often underestimated economic force, since they are the ones who have endured some tough economic times. They still remain the largest home purchasers on the market. The bottom line is speak to a pro about what the next steps you should take in your real estate goals.

This episode was cast with Seanna Cormier, NMLS # 1433188 of Guild Mortgage company LLC is an Equal Housing Lender, Company NMLS # 3274. Guild Mortgage is not affiliated with Keller Williams, Keller Williams Southern Arizona, The Tom J Krieger Team or Tom Krieger. If you have any mortgage or lending questions feel free to reach out to Seanna- 520.820.0560 | [email protected]

Have questions about this podcast, real estate or getting your real estate license? Reach out to us! Tom Krieger- 520.907.5305 | [email protected]

www.TheTJKTeam.com Keller Williams Southern Arizona 1745 E River #245 Tucson, AZ 85718

Tom Krieger welcomes Jill Paddock as our newest agent on the team! This is her first ever podcast, so we talked about what she knows best: FIRST-TIME HOMEBUYERS! Right now especially there are a few things to think about if you are getting ready to buy a home. This podcast is a good primer for that.

Are you looking for some supplements to help you buy or sell? Be sure to check out our seasonal guides that can help you understand where the current market is at with our Google Drive Link

Thinking about buying or selling in AZ? Reach out to us! Are you out of state? We are connected to over 4000 agents around the globe, so we can connect you with quality agents anywhere. Thinking about getting your license? Let us help! All you need to do is call text or email Tom Krieger 520.907.5305 | [email protected] 

The Tom J Krieger Team is a part of Keller Williams Southern Arizona1745 E River Rd #245Tucson, AZ 85718www.thetjkteam.com

Downpayment assistance can be a phenomenal tool to help people attain the dream of homeownership. Homebuyers listen up! Matt Barré & Seanna Cormier bring you some valuable information that could apply to you. This is a great episode especially for people living in Pima County, Arizona. There are many programs nationwide to help you get assistance, so please reach out to us and we can get you connected with quality agents in your area to help you out.

This episode was cast with Seanna Cormier, NMLS # 1433188 of Guild Mortgage company LLC is an Equal Housing Lender, Company NMLS # 3274. Guild Mortgage is not affiliated with Keller Williams, Keller Williams Southern Arizona, The Tom J Kieger Team, or Matt Barré.

For the resources mentioned in this episode go to our Google share drive to download- Google Share Drive Link

If you have any mortgage or lending questions feel free to reach out to Seanna- 520.820.0560 | [email protected]

Have questions about this podcast, real estate or getting your real estate license? Reach out to us! Matt Barré- 520.288.0144 | [email protected] 

The Tom J Krieger Teamwww.thetjkteam.com1745 E River Rd #245Tucson, AZ 85718

Now that you've listened to Mortgage 101 in Episode 31, take a deeper dive into mortgage lending. Learn about processes, lending jargon, and scenarios from lending expert, Seanna Cormier with Guild Mortgage. The cogs that work behind the scenes when buying a home are constantly moving. Take a listen to this illuminating episode.

This episode was cast with Seanna Cormier, NMLS # 1433188 of Guild Mortgage company LLC is an Equal Housing Lender, Company NMLS # 3274. Guild Mortgage is not affiliated with Keller Williams, Keller Williams Southern Arizona, The Tom J Kieger Team, or Matt Barré.

For the resources mentioned in this episode go to our Google share drive to download- Google Share Drive Link

If you have any mortgage or lending questions feel free to reach out to Seanna- 520.820.0560 | [email protected]

Have questions about this podcast, real estate or getting your real estate license? Reach out to us! Matt Barré- 520.288.0144 | [email protected] 

 

The Tom J Krieger Teamwww.thetjkteam.com1745 E River Rd #245Tucson, AZ 85718

Once a buyer qualifies for a mortgage & gets under contract on a home, what happens next? Seanna Cormier with Guild Mortgage is back again with Matt Barré to explain the process of what happens during the homebuying process.

This episode was cast with Seanna Cormier, NMLS # 1433188 of Guild Mortgage company LLC is an Equal Housing Lender, Company NMLS # 3274. Guild Mortgage is not affiliated with Keller Williams, The Tom J Kieger Team, or Matt Barré.

For the resources mentioned in this episode go to our Google share drive to download- Google Share Drive Link

If you have any mortgage or lending questions feel free to reach out to Seanna- 520.820.0560 | [email protected]

Have questions about this podcast, real estate or getting your real estate license? Reach out to us! Matt Barré- 520.288.0144 | [email protected] 

 

The Tom J Krieger Teamwww.thetjkteam.com1745 E River Rd #245Tucson, AZ 85718