THIS EPISODE WAS RECORDED 2 YEARS AGO we recently retrieved the data and files so excuse the quality may not be up to speed 

In this episode of The Code To Winning, we’re joined by The Bank Brothers — the Duboe twins — identical entrepreneurs originally from Argentina who have made a name for themselves in the mortgage and real estate world out of Las Vegas. From dropping out of college to building their own branch of Harmony Home Loans, these brothers have crafted a unique brand focused on helping people achieve homeownership and financial freedom.

The twins dive deep into how they help clients qualify for home loans even when faced with challenges like low credit scores, bankruptcies, or other financial setbacks. They break down loan options such as FHA, VA, and conventional loans, and share insights on credit repair and how to navigate the confusing mortgage process with clarity and confidence.

One of the key highlights is their explanation of smart mortgage tools like the 2-1 buydown program — a creative solution that lowers monthly payments in the first two years, helping buyers manage costs while interest rates fluctuate. They also discuss personal stories, including host KG’s experience buying a Tesla with a 680 credit score, illustrating how real people can succeed despite imperfect credit histories.

Beyond home loans, the Bank Brothers explore real estate investing strategies, including Airbnb and rental arbitrage, weighing the risks and rewards for new investors. They caution listeners about the flood of “fake gurus” online and stress the importance of doing proper research and surrounding yourself with knowledgeable, experienced mentors.

Finally, the twins reveal how technology and AI are revolutionizing the mortgage industry by streamlining application processes and enhancing customer experience, allowing smaller lenders to compete with big banks. This episode is packed with actionable advice, authentic stories, and forward-thinking insights for anyone looking to buy a home, improve their finances, or get started in real estate investing.