Child support is one of the most misunderstood—and emotionally charged—topics in family law. In this episode of Real Talk with Reggie, we sit down with Alfonso from Hearn’s Law Group to break down what child support really is, how it’s calculated, and the common misconceptions that often land parents back in court.

From custody arrangements and income changes to modifying payments and handling arrears, Alfonso explains the laws in states like Maryland and DC, and why legal counsel is essential for navigating this complex process. Whether you’re a custodial or non-custodial parent, this conversation offers valuable insights to help you protect your rights, meet your obligations, and avoid costly mistakes.

Alphonso Hearns is the founding attorney of The Hearns Law Group, a client-focused law firm committed to delivering trusted legal counsel with integrity and precision. With a strong background in real estate, business, and civil litigation, Alphonso provides strategic guidance to individuals, families, and professionals navigating complex legal matters. The Hearns Law Group is known for its personalized approach, attention to detail, and dedication to achieving successful outcomes.

Visit: www.hearnslawgroup.com

Alphonso Hearns is the founding attorney of The Hearns Law Group, a client-focused law firm committed to delivering trusted legal counsel with integrity and precision. With a strong background in real estate, business, and civil litigation, Alphonso provides strategic guidance to individuals, families, and professionals navigating complex legal matters. The Hearns Law Group is known for its personalized approach, attention to detail, and dedication to achieving successful outcomes.

Visit: www.hearnslawgroup.com

In this powerful follow-up episode of RealTalk with Reggie, we dive deeper with mortgage expert Billy to explore special programs designed specifically for public service professionals—like teachers, medical staff, firefighters, and military personnel—who are ready to take their first steps toward homeownership.

We unpack the Homes for Heroes program, unique doctor loan options, and the Maryland SmartBuy 3.0 initiative that can help buyers eliminate student debt when purchasing a home. Billy also breaks down how student loan debt is now calculated more favorably when applying for a mortgage—and why this change could be a game-changer for so many young professionals.

Plus, we clear the air on down payment assistance programs, interest rate trade-offs, and how to strategically refinance using your home’s future equity.

✅ Who qualifies for hero-focused loan programs

✅ How student loans impact (or don’t impact) your approval

✅ Tips for maximizing equity and loan strategy

✅ Why working with the right lender makes all the difference

Whether you're a first-time buyer or a public servant navigating financial barriers, this episode is packed with value and real-life strategies to turn your dream of owning a home into reality.

Welcome to "Real Talk with Reggie," where real estate meets real life. In this session, we dive into the intricacies of government loan programs and grants available to first-time home buyers. With our expert panel, Tyrone Eugene from Century 21 Envision, Brian Creighton from the Creighton Group at Century 21 Envision, and Billy Saunders from Gud Mortgage—we aim to equip you with the knowledge you need to make informed decisions.

Reggie Butler is the Broker/Owner of CENTURY 21 Envision, bringing over 20 years of real estate experience to the DMV area. Known for his strategic leadership, market expertise, and commitment to service, Reggie is passionate about empowering clients and agents alike. He specializes in residential and commercial real estate, community engagement, and agent development—guiding others to succeed while delivering exceptional results.

Visit: www.butlerresidentialandcommercial.net

Billy Saunders is a trusted mortgage professional with Guild Mortgage, known for providing personalized lending solutions and expert guidance throughout the home financing process. With a focus on transparency, education, and client success, Billy works closely with homebuyers, real estate agents, and investors to ensure smooth and timely closings. Whether you're purchasing your first home or refinancing, Billy is committed to helping you find the right mortgage to fit your needs.

https://branches.guildmortgage.com/md/dunkirk/bill-saunders-935-rgwsa.html

Brian Crayton is a passionate and reliable real estate agent with CENTURY 21 Envision, dedicated to delivering exceptional service and results. With a strong commitment to client satisfaction, Brian guides buyers, sellers, and investors through every step of the real estate journey. His local market insight, attention to detail, and clear communication make him a trusted partner for all your real estate needs.

https://www.century21.com/real-estate-agent/profile/brian-crayton-P416539579

Tyrone Eugene is a dedicated real estate professional with CENTURY 21 Envision, committed to helping clients navigate the buying, selling, and investing process with confidence and care. Known for his integrity, responsiveness, and market knowledge, Tyrone brings a people-first approach to real estate, ensuring that each transaction is smooth, informed, and successful. Whether you're a first-time buyer or a seasoned investor, Tyrone is here to guide you every step of the way.

https://www.century21.com/real-estate-agent/profile/tyrone-eugene-P416551368

Reggie Butler is the Broker/Owner of CENTURY 21 Envision, bringing over 20 years of real estate experience to the DMV area. Known for his strategic leadership, market expertise, and commitment to service, Reggie is passionate about empowering clients and agents alike. He specializes in residential and commercial real estate, community engagement, and agent development—guiding others to succeed while delivering exceptional results.

Visit: www.butlerresidentialandcommercial.net

Billy Saunders is a trusted mortgage professional with Guild Mortgage, known for providing personalized lending solutions and expert guidance throughout the home financing process. With a focus on transparency, education, and client success, Billy works closely with homebuyers, real estate agents, and investors to ensure smooth and timely closings. Whether you're purchasing your first home or refinancing, Billy is committed to helping you find the right mortgage to fit your needs.

https://branches.guildmortgage.com/md/dunkirk/bill-saunders-935-rgwsa.html

Brian Crayton is a passionate and reliable real estate agent with CENTURY 21 Envision, dedicated to delivering exceptional service and results. With a strong commitment to client satisfaction, Brian guides buyers, sellers, and investors through every step of the real estate journey. His local market insight, attention to detail, and clear communication make him a trusted partner for all your real estate needs.

https://www.century21.com/real-estate-agent/profile/brian-crayton-P416539579

Tyrone Eugene is a dedicated real estate professional with CENTURY 21 Envision, committed to helping clients navigate the buying, selling, and investing process with confidence and care. Known for his integrity, responsiveness, and market knowledge, Tyrone brings a people-first approach to real estate, ensuring that each transaction is smooth, informed, and successful. Whether you're a first-time buyer or a seasoned investor, Tyrone is here to guide you every step of the way.

https://www.century21.com/real-estate-agent/profile/tyrone-eugene-P416551368