Live from the zoom town studios in beautiful Bend, Oregon, it’s Truth in Lending! The podcast for mortgage people, by mortgage people. Today the CE legend himself, the one and only Ken Perry, joined us to provide some insight as to how he was able to pivot from a top producing loan originator to creating the mortgage education empire we all know today as the Knowledge Coop. Tune in to find out why mortgage industry workers need compliance, Ken's two-sense on the CFPB's funding being ruled unconstitutional, and his opinion on how the new LLPA's taking effect in May might affect our industry. We promise this is an episode you're not going to want to miss!  

Randy Vance NMLS 1455628, Hixon Mortgage Company a subsidiary of American Pacific Mortgage Corp NMLS 1850 Equal Housing Lender.

Katie Pelchar NMLS 1588514, Loan Depot NMLS 174457, Equal Housing Lender.

Live from the zoom town studios in beautiful Bend, Oregon, it’s Truth in Lending! The podcast for mortgage people, by mortgage people. Holy Loan Level Price Adjustments Batman! Fannie & Freddie have decided to make it a bit more expensive for some and cheaper for others that are looking to get a mortgage in 2023. What will this means for your borrowers? Who will it benefit and who is better off purchasing before this comes into effect?  Tune in for a deep dive into all the upcoming changes headed our way as of May 2023. 

Randy Vance NMLS 1455628, Hixon Mortgage Company a subsidiary of American Pacific Mortgage Corp NMLS 1850 Equal Housing Lender.

Katie Pelchar NMLS 1588514, Loan Depot NMLS 174457, Equal Housing Lender.

Live from the zoom town studios in beautiful Bend, Oregon, it’s Truth in Lending! The podcast for mortgage people, by mortgage people. It’s a brand new year full of surprises including our surprise guest Heather Lowrie from Pahlisch Homes who joined us in the studio to talk all things new construction. Will we see builders get out of the business or see companies merging? Inventory continues to be an issue with existing homes. What is inventory like for new builds? Tune in for a deep dive into all things new construction in 2023 as well as as some tips on bargain hunting from Randy, and a much needed positive pep talk to our fellow mortgage peers from Katie. 

Randy Vance NMLS 1455628, Hixon Mortgage Company a subsidiary of American Pacific Mortgage Corp NMLS 1850 Equal Housing Lender.

Katie Pelchar NMLS 1588514, Loan Depot NMLS 174457, Equal Housing Lender.

Live from the zoom town studios in beautiful Bend, Oregon, it’s Truth in Lending! The podcast for mortgage people, by mortgage people. It’s the end of the year and we can’t wait to say goodbye to 2022! It has been a year of ups and downs for a lot of us. Tune into this week's episode for the highs and lows of the last year, some of our favorite and not-so-favorite changes, and our predictions for 2023. 

Randy Vance NMLS 1455628, Hixon Mortgage Company a subsidiary of American Pacific Mortgage Corp NMLS 1850 Equal Housing Lender.

Katie Pelchar NMLS 1588514, Loan Depot NMLS 174457, Equal Housing Lender.

Live from the zoom town studios in beautiful Bend, Oregon, it’s Truth in Lending! The podcast for mortgage professionals, by mortgage professionals. On this week's episode we are joined by Jacob Fain w/ Morgan Stanley as he helps us connect the dots between different markets. How does CPI and the Fed Rate decision affect the financial advising side of things? How do loans work against my assets? And what is Jacob's advise for the first time homeowner when it comes to diversifying their portfolio and net worth? Tune if for an episode packed full of knowledge from the finance world, a discussion on the 2023 loan limits, and a deep dive into interest only loans. 

Randy Vance NMLS 1455628, Hixon Mortgage Company a subsidiary of American Pacific Mortgage Corp NMLS 1850 Equal Housing Lender.

Katie Pelchar NMLS 1588514, Loan Depot NMLS 174457, Equal Housing Lender.

Live from the zoom town studios in beautiful Bend, Oregon, it’s Truth in Lending! The podcast for mortgage professionals, by mortgage professionals. Today we have James Fleming with Payne West to answer all of our questions about insurance. Why do we need it? What is and isn't covered for homeowners? and does bundling really save?  Holidays are also just around the corner! What are you doing to get in front of your clients? Tune in for some ideas of touch-points and to top it all off, a hearty discussion on how to opt out of trigger lead phone calls. 

Randy Vance NMLS 1455628, Hixon Mortgage Company a subsidiary of American Pacific Mortgage Corp NMLS 1850 Equal Housing Lender.

Katie Pelchar NMLS 1588514, Loan Depot NMLS 174457, Equal Housing Lender.

Live from the zoom town studios in beautiful Bend, Oregon, it’s Truth in Lending! The podcast for mortgage professionals, by mortgage professionals. Today we are talking all things first time home buyers, low income loans and down payment assistance. Tune in for an episode packed with tips and tricks for first time home buyers and special loan programs. 

Randy Vance NMLS 1455628, Hixon Mortgage Company a subsidiary of American Pacific Mortgage Corp NMLS 1850 Equal Housing Lender.

Katie Pelchar NMLS 1588514, Loan Depot NMLS 174457, Equal Housing Lender.

Live from the zoom town studios in beautiful Bend, Oregon, it’s Truth in Lending! The podcast for mortgage professionals, by mortgage professionals. Today we are saluting our men and women who have served, or are currently serving in America’s military. Thank you for your service and your sacrifice. Tune in for a little Veteran's day history and a lot of talk about the VA loan and how those of us in the mortgage industry can help our veterans. 

Randy Vance NMLS 1455628, Hixon Mortgage Company a subsidiary of American Pacific Mortgage Corp NMLS 1850 Equal Housing Lender.

Katie Pelchar NMLS 1588514, Loan Depot NMLS 174457, Equal Housing Lender.

We're back for season two! Live from the zoom town studios in beautiful Bend, Oregon, it’s Truth in Lending! The podcast for mortgage professionals, by mortgage professionals. It has been nearly two months since our last show and boy have there been some interesting things going on… rates hit and passed 7%, layoffs in the industry, and the great mortgage migration, and as always don't miss the Truth in Lending Mortgage News for updates on this crazy market. 

Randy Vance NMLS 1455628, Hixon Mortgage Company a subsidiary of American Pacific Mortgage Corp NMLS 1850 Equal Housing Lender. 

Katie Pelchar NMLS 1588514, Loan Depot NMLS 174457, Equal Housing Lender.

Live from the zoom town studios in beautiful Bend, Oregon, it’s Truth in Lending! The podcast for mortgage professionals, by mortgage professionals. It's our season finale ladies and germs and today we are saluting our heroes. Jenna Jacobsen with Nine-Bark Real Estate joined us in studio to talk all things Homes 4 Heroes and what the program can do for your business as well as how you can help your community. 

Tune back in in a few weeks for the start of Season 2! 

Randy Vance NMLS 1455628 | Synergy One Lending NMLS 907235 Equal Housing Lender.

Katie Pelchar NMLS 1588514 | Loan Depot NMLS 174457 Equal Housing Lender.