Greatest Asset Community Podcast
71 episodes - English - Latest episode: 23 days ago -The greatest asset in the world is Real Estate. We're giving you the tools to prepare you for homeownership and equipping you with the knowledge to improve other areas of your life. It's the other areas that matter more and we're committed to aiding your growth and development.
#RealEstate #MortgageTips #Financing #LifeSkills
Frederick Middlebrooks (NMLS #2379466) is affiliated with:
Thrive Mortgage, Branch NMLS 2403247, Equal Housing Lender, Georgia Residential Mortgage Licensee, 100 World Drive, Suite 103, Peachtree City, GA 30269
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Episodes
How Lower Interest Rates Cost More
April 05, 2024 04:00 - 25 minutes - 17.5 MBWhen it comes to interest rates, the right answer is not as easy as selecting the lowest rate. There's the price you pay for your rate, the rate you actually get, and the opportunities for you to refinance at a future date that must all be considered. I'm breaking down the considerations to help you best decide the route you should take. If you did not see last week's episode, click the link below to watch it first as that episode will lay the foundation for what we are talking about in this...
What LENDERS Are NOT TELLING You About Interest Rates
March 30, 2024 01:00 - 17 minutes - 12.3 MBSo many people pay lenders without knowing what they're paying for. Head over to our Youtube channel, Greatest Asset Community, and hit the subscribe button to stay updated on information that you don't want to miss. Check us out on Social Media: Instagram TikTok LinkedIn Take Care & Be Blessed
How To Increase Your Qualification Amount
March 21, 2024 09:00 - 26 minutes - 18.3 MBEveryone wants more and more is attainable. But you have to know how to navigate the financial system and make it work for you. **Check out our Monthly Webinars. Listen to previous podcasts on our Youtube channel. **Follow us on Eventbrite to stay up-to-date on future webinars or in-person events. Check us out on Social Media: Instagram TikTok LinkedIn Take Care & Be Blessed
The Secret To Having More
March 15, 2024 03:00 - 26 minutes - 18.5 MBHaving more is not a complex problem for the few to figure out. One way to achieve growth is by investing your money, and subsequently your time, into things that increase in value. **Check out our Monthly Webinars. Listen to previous podcasts on our Youtube channel. **Follow us on Eventbrite to stay up-to-date on future webinars or in-person events. Check us out on Social Media: Instagram TikTok LinkedIn Take Care & Be Blessed
Failure Is Your OPPORTUNITY
March 08, 2024 01:00 - 40 minutes - 27.9 MBFailure is something that some people fear and some people avoid, but few people use it as the opportunity to propel you into the level of success that you dream of. **Check out our Monthly Webinars. Listen to previous podcasts on our Youtube channel. **Follow us on Eventbrite to stay up-to-date on future webinars or in-person events. Check us out on Social Media: Instagram TikTok LinkedIn Take Care & Be Blessed
Making Moves That Create Opportunity
March 01, 2024 15:00 - 27 minutes - 18.8 MBThe intersection of Preparation and Opportunity is where life-changing things happen that can propel you into the accomplishment of your dreams and the fulfillment of your purpose. However, the opportunity never comes if the preparation does not happen. Time is the most valuable thing we have and how we spend it directly correlates to how we live. Waiting on the economy or circumstances to change before deciding to act often leaves you in a constant state of lack. There are times in which w...
Timing Is EVERYTHING
February 23, 2024 04:00 - 18 minutes - 13 MBWhen it comes to buying a house, starting a business, or taking on any endeavor in life, Timing Is Everything.....but not in the sense that you may have learned. This episode, we are opening your mind to view timing and the opportunities in front of you through a different lens that will allow you to think bigger and achieve more than you ever have before. Give us a thumbs up and subscribe to the podcast to help us educate more people on the road to homeownership. **Check out our Monthly ...
Skin In The Game
February 15, 2024 10:00 - 18 minutes - 12.9 MB"Your level of commitment determines your level of success." This was a saying that one of my high school track coaches would say to us at practice. It's true, not just in sports but in life. In this episode we're discussing the impact and benefit of having skin in the game. Give us a thumbs up and subscribe to the podcast to help us educate more people on the road to homeownership. **Check out our Monthly Webinars and take a deeper dive into various topics that will help inform your deci...
Positioning Yourself To Purchase
February 08, 2024 22:00 - 22 minutes - 15.2 MBPreparation is most of the battle when it comes to purchasing a home. Those who have prepared themselves beforehand are best positioned to succeed in the housing market, In this episode we're discussing three areas that should be your focus prior to starting your house-hunting journey. Doing the proper work beforehand will help guide you through a better home financing process, culminating with a safe landing at the closing table. Give us a thumbs up and subscribe to the podcast to help us...
Down Payment Assistance: The Essential Details
February 01, 2024 10:00 - 26 minutes - 18.2 MBAs home prices continue to rise, down payment assistance becomes an ever more important piece to some individuals homeownership journey. We're talking about what you need to consider when it comes to down payment assistance. There's no "one size fits all." The costs and the benefits of down payment assistance can vary from program to program. It's important to link up with a knowledgeable loan officer who can walk this path with you so you make the best and most informed decision. Give us ...
Get Invested, Stay Invested
January 25, 2024 10:00 - 23 minutes - 15.9 MBWe're picking up where we left off in last week's episode and putting some fire under you to get you motivated to invest in yourself and in your future. It's not enough to know what needs to be done, you have to do it. Time is your ally when it comes to investing. Albert Einstein called compound interest the "eighth wonder of the world". The more time your money has to compound, the greater your wealth will multiply. It's not just math, it's smart! Give us a thumbs up and subscribe to the ...
Avoid Hardships: Save & Invest
January 18, 2024 10:00 - 23 minutes - 16.1 MBIt's one of the toughest things for many Americans to do. Save & Invest. I've heard all the reasons why it is not being done. Regardless of the reason, at the end of the day the outcome is the same. Tens of millions of Americans are left unprepared for life in the coming decades. You don't have to be one of them. You're one or two habits away from making sure your financial future is solid. Give us a thumbs up and subscribe to the podcast to help us educate more people on the road to homeo...
Me, Myself & Real Estate
January 11, 2024 10:00 - 35 minutes - 24.3 MBWe're taking a step back from the numbers, the loan programs, and the reasons to purchase a home. In this episode we are discussing our own personal experiences with homeownership to give you insight into what this journey has been like for us. If you find this information beneficial, give us a thumbs up and subscribe to the podcast to help us educate more people on the road to homeownership. **Check out our Monthly Webinars and take a deeper dive into various topics that will help inform...
Your First Step To Homeownership
January 04, 2024 10:00 - 28 minutes - 19.7 MBWe're off to the races in 2024. My hope is that homeownership is a goal of yours this year or sometime in the near future. To prepare you as you look toward homeownership, we are discussing what your first step should be. The first step you take is important because it can literally make the difference between "if" you purchase a home and "when" you purchase a home. We are thankful that you have chosen to join us for this episode. If you find this information beneficial, give us a thumbs ...
2024 Housing Forecast
December 28, 2023 10:00 - 35 minutes - 24.4 MBWe are nearing the end of 2023 and taking a peek into what is on the horizon for 2024. Get ready for next year's real estate and mortgage forecast. The subject matter experts in the real estate and mortgage industries have made their predictions and we're discussing the things you need to consider as a future homebuyer. It's not all doom and gloom but it's not all roses either. We're here to help you make the most informed decisions to get you where you want to be financially and along your...
2023 Review & Should I Buy
December 21, 2023 10:00 - 28 minutes - 19.7 MBWe're taking a brief moment to discuss some of the things that have transpired in the mortgage and real estate industries throughout 2023 and also looking a whether or not now is still a good time to buy a home The housing market has presented it's fair share of challenges throughout the pandemic until now. However it's my belief that we are beginning to see the light at the end of the tunnel. Be sure to tune in next week as we discuss future predictions for 2024 and what that means for you...
Finding A Good Loan Officer
December 14, 2023 20:00 - 26 minutes - 18.5 MBThere's so much more to finding a good lender than the interest rate they can offer you. In this episode we're talking about several factors that you need to consider when determining who to select as your loan officer. Selecting the right loan officer could make the difference in you qualifying for a mortgage and staying on track to accomplish your homeownership and financial goals. If you are listening to this episode via audio only, I want to encourage you to check out this Link to watch...
Will I Ever Own A Home?
December 04, 2023 00:00 - 38 minutes - 26.3 MBMillennials are talking about it, Gen Z is talking about it, so let's talk about it. Several surveys have been conducted and there are a lot of Millennials and Gen Z who feel they may never own a home due to ever rising home prices and the effect that inflation is having on all other monthly expenses. We're answering the question, "Will I Ever Own A Home?", right off the bat and letting you know what you need to consider when determining if now is a good time to purchase a home. The answer ...
Today vs 2008 Housing Market
November 27, 2023 02:00 - 21 minutes - 14.7 MBWe're taking a look at three reasons why this housing market is different than 2008 and discussing a little of what you can expect in the foreseeable future of the housing market. If you are waiting for interest rates to come down, or if you are unsure about purchasing because you think housing prices will come down, you'll want to tune in to this episode to get the facts on the condition of the housing market. If you are listening to this episode via audio only, I want to encourage you ...
Rent vs Own Comparison
November 10, 2023 15:00 - 34 minutes - 23.5 MBHome prices are high, interest rates are higher than the previous few years, and many potential homebuyers are asking if it's still a good decision to buy a home. In this episode we are going to be showing you some of the things that you should consider when determining if you should become a homeowner. It's more to it than just the monthly costs. You also need to look at the long term impact of appreciation, amortization, maintenance and repairs. If you are listening to this episode via...
Could This Change Real Estate
November 02, 2023 03:00 - 18 minutes - 13 MBWe're discussing a potential, real estate industry shifting decision that was made on Oct. 31, 2023. A Missouri jury found the National Association of Realtors, Home Services of America, and Keller Williams guilty of colluding to inflate or maintain high commission rates through NAR's Clear Cooperation Rule. The defendants have been ordered to pay damages of $1.78 billion. In this episode we'll be discussing what the real estate industry might look like if this ruling becomes permanent and ...
Interest Rates and the Secondary Mortgage Market
October 27, 2023 02:00 - 22 minutes - 15.4 MBIn this episode we will be taking a behind the scenes journey into the world of mortgage-backed securities and some of what's causing the interest rates that we are seeing in the market today. Interest rates and their ties to mortgage-backed securities form the backbone of our real estate and mortgage industry. Gaining a general understanding of how the pieces come together can help paint a picture of where things may be headed and how we can best navigate the road ahead. **Check out our ...
Building Wealth Through Homeownership
October 18, 2023 01:00 - 22 minutes - 15.4 MBThe typical American has more than 70% of their net worth in equity in their home. There is a reason why many put an emphasis on the importance of homeownership. Building wealth through real estate predominantly happens in two ways. In this episode we discuss both ways of how wealth is traditionally built through homeownership and a third method of how increased wealth can be accomplished as an investor. **Check out our Monthly Webinars and take a deeper dive into various topics that wi...
Rent Control Laws: The Good & Bad
October 06, 2023 15:00 - 52 minutes - 36.1 MBIn this episode we will be discussing rent control laws which are currently in place in several cities around the country. The purpose of these laws is to limit how much homeowners can increase their rent in a 12-month period. We discuss some of the positives and negatives of rent control and the effect that it has on landlords and tenants. For homeowner's who are looking to sell, we also discuss in this episode, 5 reasons why your home may not be selling and what you can do to improve you...
Are You Ready For Homeownership?
October 02, 2023 13:00 - 20 minutes - 13.8 MBThe questions you need to ask yourself when you are preparing to purchase a home go far beyond, "How many bedrooms/bathrooms and what part of town do I want to live in?" In this episode we discuss some essential questions that you need to have answers for to discover whether or not you are even ready to purchase a home. Our goal is to help everyone obtain the dream of homeownership and then maintain that dream by positioning yourself for success prior to signing on the dotted line and getti...
Timeshares: What You Wish You Knew
September 17, 2023 02:00 - 47 minutes - 32.8 MBTimeshares have been a source of vacation freedom for some, and have been a cause of pain & frustration for others that has created a barrier for many people desiring to purchase a home. We are discussing the things that you will want to know about timeshares before you decide to travel down that road. I have first-hand experience with timeshares and as a mortgage loan officer, I've seen first-hand the affect that timeshares have on individuals who are trying to purchase a home. The decis...
Buying Investment Homes Without Income
September 05, 2023 16:00 - 27 minutes - 19.1 MBIf purchasing an investment property is something you are aiming to achieve, you will want to tune in to this episode. If you have thought about owning investment property on any level, DSCR loans are making it possible for more people to get into real estate investing. NO INCOME REQUIRED. This is one of the biggest selling points with this loan product. Check out the podcast and learn more about how this loan product could open doors for you. **Check out our Monthly Webinars and take a d...
Why & What You Need To Learn
August 25, 2023 18:00 - 28 minutes - 19.4 MBBuying a home is on the to-do list for most people. However, thousands and tens of thousands are spent unnecessarily because of undereducation in areas associated with homeownership. In this podcast we aim to shed light on some areas of importance in real estate and why education in these areas can cause a substantial difference, not only in money spent, but in the accomplishment of life goals. **Check out our Monthly Webinars and take a deeper dive into various topics that will help info...
Let's Talk Home Equity Loans
August 17, 2023 15:00 - 13 minutes - 9.33 MBWe're discussing Home Equity Loans, the pros, cons, and highlighting some of the key differences between the Home Equity Loan and a Home Equity Line of Credit (HELOC). If you are considering pulling cash out of your home, you will want to listen to this episode as well as the previous episode on HELOCs. As with any loan, it's important to be well informed before borrowing money and we aim to do just that so that you can make the best decision for your financial future moving forward. Pleas...
HELOC: The Pros & Cons
August 09, 2023 17:00 - 24 minutes - 17 MBAre you a homeowner looking to leverage your home's equity to achieve your financial goals or cover other expenses? Tune in and learn about the pros and cons of a Home Equity Line Of Credit (HELOC). As with any loan, it's important to be well informed before borrowing money and we aim to do just that so that you can make the best decision for your financial future moving forward. Please like and subscribe to the podcast and share it with your family and friends. Check out the Monthly Web...
Creative Financing
July 24, 2023 13:00 - 32 minutes - 22.3 MBIf purchasing a home through the traditional means of an FHA, VA, or conventional loan is currently not an option for you, it may be worth it to consider some creative financing options that can put homeownership within reach. We're discussing five areas of creative financing worth researching. Please like and share this podcast with your family and friends. Follow me @GALoanOfficer on Instagram & TikTok Frederick Middlebrooks on LinkedIn Visit the website GALoanOfficer.com for additional...
Loan Options You Don't Know About
July 13, 2023 14:00 - 34 minutes - 23.5 MBThere are a lot of products that lenders have to qualify you to purchase a home. Not every lender has every product mentioned in this episode but it's important to know what your options are because it could be the difference maker on your homeownership journey. A no from one lender does not mean a no from every lender as requirements and standards can differ from one company to another. What makes the biggest difference is your education of the options available to you so that you can make...
Supercharge Your Bank Account
July 07, 2023 16:00 - 29 minutes - 20.4 MBIn this episode we delve into the world of saving money for a down payment on your home. If you've been longing to turn the key to your very own front door, but find yourself wondering how to make that down payment a reality, this episode is for you. There are a number of tips and tricks that, if done consistently, will supercharge your bank account and put you well on your way to purchasing a home. We give you 10 methods that will help you save for a down payment. Listen till the end as #1...
A Changing Real Estate Market
June 26, 2023 16:00 - 21 minutes - 14.9 MBThe Real Estate market is changing. Always has, and will continue to change for the unforeseeable future. The key to succeeding in any real estate market is knowing how to recognize the changes and make the appropriate adaptations so that you can make informed decisions when buying a home. We're discussing changes that you should focus on in the real estate market and how you may want to research certain changes or decisions before purchasing in a particular area. As always, please like an...
Education: What You Don't Know, Hurts
June 14, 2023 14:00 - 53 minutes - 37 MBKnowledge is not power. The application of knowledge is where power can be derived from. However, you still have to have the knowledge before you can apply it. In this episode we're talking about the things in Real Estate that many people are uneducated on which tends to cost them a lot. I'm also giving you a few secrets to help you succeed in real estate by seeing things different. Becoming more educated and applying what you know allows you to accomplish so much more. As always, please l...
Overcoming Mistakes
June 06, 2023 13:00 - 31 minutes - 21.4 MBIt's often the fear of potential mistakes that can be made that keep many people from purchasing a home or accomplishing anything of significance. While we can't speak to every walk of life, we can dive into those fears as it relates to homebuying and see if they're founded on reason. Please like and share this podcast with your family and friends. Follow me @GALoanOfficer on Instagram & TikTok Frederick Middlebrooks on LinkedIn Visit the website GALoanOfficer.com for additional mortgage i...
Opportunities That You're Missing
June 02, 2023 14:00 - 32 minutes - 22.5 MBIf you are sitting on the sideline waiting on the right opportunity to come along, this podcast is for you. If you know someone who is sitting on the sideline waiting on that "big break", share this podcast with them. We are discussing the opportunities in real estate that you may be missing as well as some opportunities in life. This episode is packed with information that can get you moving in the direction that will take you to the next level in real estate and in life. Everyday presents...
Surrounded By Leaders & Leeches
May 25, 2023 12:00 - 23 minutes - 16.3 MB"Show me who your friends are and I'll tell you who you are", "Your network determines you net worth", and "Birds of a feather flock together" all point to the importance of the people that you surround yourself with. This importance proves true in business, in life, and in real estate. We're diving into your inner circle and what you should consider when selecting your friends as well as what to consider when it comes to whether or not you should keep the friends that you have. If you fin...
The Truth About Down Payment Assistance
May 17, 2023 02:00 - 31 minutes - 21.7 MBWe're talking down payment assistance because as a loan officer, I run into a lot of people who need down payment assistance and rightfully so. Housing is expensive. However many people don't understand how down payment assistance works or that there are costs associated with using down payment assistance. The goal is that after this episode you will leave more educated on whether down payment assistance is the right path for you in your journey to become a homeowner. Please like us on you...
No Excuses: Get After It
May 10, 2023 05:00 - 30 minutes - 21.2 MBAn application to life as well as real estate is something that we aim to achieve with many of our episodes. This one definitely proves true to that goal. Excuses prevent so many of us from accomplishing what we are more than capable of. Whether it's personal fitness, advancing in your career, or purchasing a home. Most unfulfilled dreams and goals have one or more excuses to accompany them. I hope this episode encourages you and helps you see that it is possible for you to achieve more....
Timing When To Buy
May 02, 2023 13:00 - 26 minutes - 18.4 MBKnowing when it's the right time to buy a home is key to starting a successful journey as a homeowner. The problem is, many people focus on the economical environment to determine that timing when they should be focused on the things that are within their control. In this episode, we discuss where you should place your focus and how to know if & when you should purchase a home. Please like us on your platform of choice and for more good content follow me: @GALoanOfficer on Instagram & TikT...
Homeownership Budgeting
May 01, 2023 13:00 - 24 minutes - 17 MBWe're talking about upfront costs in purchasing a home and a great way to budget for monthly expenses. We'll also touch on down payment assistance and what you should consider. Equally important, we'll wrap up by discussing calculating the costs of not purchasing a home. We often get consumed with the cost of purchasing something that we often neglect what it costs to not purchase something. Stability and peace of mind are things that don't easily translate into a monetary cost. Please lik...
Build With Vision - The Blueprint to Homebuying
April 25, 2023 15:00 - 28 minutes - 19.7 MBWe are relaunching the Real Estate For All podcast and kicking things off with this episode on how to create your blueprint to accomplish your dreams to purchase a home. As is the goal with all REFA episodes, the principles will not only apply to real estate but also to other professions as well as your personal life. My name is Frederick Middlebrooks and I'm a licensed loan officer in Georgia and Florida. Please like us on your platform of choice and for more good content follow me: @GA...
FHA Assists Owner-Occupants; HOAs Seek To Deter Investors
May 24, 2022 04:00 - 28 minutes - 19.7 MBThis week on the Real Estate For All Podcast we'll be discussing: - Recording breaking rental rates and bidding wars that are the result of the current market conditions. - FHA gives owner-occupants an opportunity to buy foreclosures before investors. - Some HOAs are working to block investor buying sprees by rewriting their rules to prevent or deter investors from buying in their community. Like us on Facebook and follow us on Instagram and Twitter. Submit questions or comments to 1real...
Homebuyers Top Regrets, Inflation On The Rise, & Lumber Prices Falls
May 14, 2022 22:00 - 15 minutes - 10.9 MBIn this episode we're discussing the results of a survey which identified homebuyers top regrets after purchasing a home during the pandemic. We'll also discuss the effects of steadily rising inflation. Rounding out the episode, we'll talk lumber prices which are still above historic norms, but have fallen about 30% year to date. Like us on Facebook and follow us on Instagram and Twitter. Submit questions or comments to [email protected]
Americans Fear Increased Rents
April 25, 2022 03:00 - 30 minutes - 20.9 MBIn this episode we'll be discussing: 1. Increased rents and the effect it could be having on the housing market. 2. What some renters and homeowners are having to do to ensure rents or mortgages are being paid. 3. A federal court issues a ban blocking Oregon's law against love letters, siting that the law infringes on First Amendment rights. Like us on Facebook and follow us on Instagram and Twitter. Submit questions or comments to [email protected]
Inflation, Housing Costs & Bidding Wars
March 24, 2022 20:00 - 20 minutes - 13.9 MBIn this episode we are discussing recent news in the housing market concerning inflation, housing costs, and who have been the main beneficiaries of the wealth increase that has taken place particularly during the pandemic. We also discuss how the Federal Reserve rate increase could affect potential home buyers. Like us on Facebook and follow us on Instagram and Twitter. Submit questions or comments to [email protected]
Built To Rent And The Investor Squeeze
March 03, 2022 04:00 - 27 minutes - 18.9 MBIn this episode, we'll be discussing the growing rental market. Particularly, homes that are being bought and turned into long-term rentals as well as single-family homes that are being built just for rent. We'll also discuss some legislation that directly affects the "for rent" and "for sale" market. Like us on Facebook and follow us on Instagram and Twitter. Submit questions or comments to [email protected]
What You Should Know About A CMA
February 16, 2022 02:00 - 13 minutes - 9.36 MBIn this episode we'll be discussing what you should know about a comparative market analysis (CMA) and how it differs from an appraisal. There are benefits to having a CMA but you should also be aware of it's weaknesses. In any case, make sure you are working with a real estate agent who will freely provide you with a CMA. Like us on Facebook and follow us on Instagram and Twitter. Submit questions or comments to [email protected]
Should You Get A Home Inspection
January 29, 2022 23:00 - 9 minutes - 6.48 MBIn this super charged seller's market, many buyers are cutting their due diligence period and forgoing home inspections in an effort to win bidding wars. Though this may increase your chances of getting the home you want, it may also increase your cost of needed repairs which could have been discovered by a home inspector and negotiated in the purchase/sale agreement. Good home inspectors have the potential to save you a lot of money and headaches by revealing present or potential issues wi...