Your Mortgage Matters
28 episodes - English - Latest episode: over 1 year ago - ★★★★★ - 1 ratingWhy stay in the know about the mortgage industry? It could make a difference in getting the home of your dreams with a quick close. Learn tips on buying a home regardless of market challenges, loan options for specific types of homebuyers and industry news important to know. We go beyond just lending – it is our pleasure to keep you educated and ready to purchase a home as easily as possible. Your goals matter to us!
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Episodes
It’s Not Just A Closed Loan. It’s Personal.
September 22, 2022 09:00 - 28 minutes - 38.6 MBThe best reason to choose a mortgage lender (aside from their expertise in lending of course) is their reason for being a mortgage lender! In the words of our host SVP, Divisional Manager Mac Cregger, "our job is about finding the best and most caring way to help position people to put their families in a home." Realtor Amy Gretenstein, Licensed Branch Manager Jo Anna Walker and Area Manager Rick Dail talk about how it is a pleasure to walk alongside a homebuyer - whether they are buying no...
Non-QM Is Not Going Away
September 15, 2022 09:00 - 24 minutes - 33.3 MBChief Marketing Officer Steven Winokur talks to Mac Cregger, host of Your Mortgage Matters, about why non-QM is here to stay. The demand is strong for it in the market and always will be. Steven has been invited to various events around the country speaking on the benefits and demand for non-QM. He shares his insights, why Realtors and loan officers can count on it to increase earnings, and the types of borrowers that need non-QM to get a home loan. Non-QM is a game changer and this podcast...
The Importance Of Non-QM In Today’s Market
September 08, 2022 09:00 - 18 minutes - 25.1 MBThis episode of Your Mortgage Matters dives into why Angel Oak's non-QM portfolio loans make a difference! They help our Realtors, our team, our customers and the industry thrive. Two of our mortgage experts here with Angel Oak Home Loans, Holly St. Germain and Amanda Callaghan, join host Mac Cregger and detail how it has improved their business and their clients' business. They also explain the importance of customers to "marry the house and date the rate" in today's market.
A Full-Service Lender - Bridging The Gap Between Just Doing A Loan And Offering Valuable Resources
July 28, 2022 09:00 - 24 minutes - 34.3 MBWhen we say we are full-service, we are talking beyond the transaction. Customers come to us ready to buy and others approach us not sure if they can afford a home asking for guidance to help them get there. And we do. Sometimes it takes a few years, but we see them to the closing table. Success for us means to getting to know you, your family and finding out how to make the loan process as smooth as possible. We end up with relationships past the closing table and meet again for future ho...
Angel Oak’s Solutions Provide Opportunities for Investors, Borrowers and Mortgage Professionals
July 21, 2022 09:00 - 24 minutes - 45.7 MBAngel Oak is comprised of an entire ecosystem supporting investors, loan officers, Realtors, builder developers and consumers. Adam Beeler, head of institutional sales at Angel Oak, explains how there is a direct line from our asset management team to our lending team. This symbiotic relationship results in more mortgage product solutions for more types of borrowers and differentiates us from any other mortgage company. In today's market, a lender backed by an entire ecosystem such as ours ...
Inflation, Interest Rates and The Mortgage Industry
June 23, 2022 16:35 - 35 minutes - 48.2 MBEfforts by the Federal Reserve to curb inflation will take time. Interest rates will likely continue to increase slightly for the near future. Your Mortgage Matters host Mac Cregger talks to Managing Director in Lending Capital Markets, Shayan Salahuddin, on how that affects the mortgage industry. As well, Shayan explains how Angel Oak's business model helps with affordability and commits to surety of execution throughout the loan process. Anyone planning to buy a home or those working in t...
Your Mortgage Matters Is Back With New Host Mac Cregger!
June 17, 2022 16:25 - 3 minutes - 4.91 MBWe are excited to bring you a brand new series of our podcast Your Mortgage Matters hosted by Senior Vice President, Divisional Manager Mac Cregger! The market is quite a challenge this year for everyone - Realtors, loan officers, builders and homebuyers. We are addressing these challenges in each episode that will include interest rates, inflation, inventory and how to buy a home easily in trying times. Realtors and builders can count on information to help them continue to sell homes and ...
2022 New Construction And Why A Home Builder’s Lender Is A Smart Choice
February 17, 2022 11:00 - 42 minutes - 38.9 MBToday's podcast is all about the great news in housing starts! Construction for new homes is looking very positive and there is more movement in labor and supply chains. Nicollette Chapman, VP, National Sales – Mortgage, with Zonda tells our host of Your Mortgage Matters Michael Chabot all about it. Learn which markets are seeing the most new construction, what to expect from supply and labor issues this year, and how carefully builders vet their preferred lenders. This is a great show for ...
Success In Today’s Real Estate Market! It’s Possible And Here’s How To Make It Happen.
January 27, 2022 11:00 - 59 minutes - 81.8 MBWith so many changes in the housing market today, how does a Realtor or a consumer adapt to achieve their goals whether for personal financial growth or to increase income? It’s all talked about in this episode of Your Mortgage Matters with guest Broker, Private Real Estate Advisor Stephen Christie. Listen and hear great advice for Realtors, homebuyers, predictions for inventory, interest rates and growth in equity. There is so much opportunity in the market today. The key is to get educated...
2022 Predictions: Interest Rates, Home Prices, Supply Chain, Labor Market And More
January 20, 2022 10:00 - 9 minutes - 8.83 MBToday's episode is super quick - less than 10 minutes. But full of information regarding interest rates, home prices, housing supply chain and the labor market. We have predictions and stats from experts in their field with the Mortgage Bankers Association, National Association of Realtors, and others. And of course.....what that means to you. Is it still worth it to buy or sell a home.....find out why the answer is a definite yes.
An Expert’s Guide To Investments, Inflation and Interest Rates in 2022....All Right Here!
January 13, 2022 09:15 - 56 minutes - 77.9 MBLawrence (Larry) McDonald founder of The Bear Traps Report, noted economist, New York Times bestselling author and CNBC contributor joined us on Your Mortgage Matters! Larry is well-known for his expertise regarding investments across all asset classes, risk management and the economy in general. With so much going on in the market today, we squeezed as much information from him as time would allow. He was a very gracious guest indulging us with answers to everything from Federal Reserve a...
Underserved Homebuyers Aren’t Underqualified - They Just Need The Right Lender With The Right Loan Products. Learn What That Means!
January 06, 2022 09:41 - 42 minutes - 57.8 MBToday we talk about borrowers who are turned away and the growing number of Agency fall-out deals. Hear about actual loan scenarios that include the largest overreaching categories of non-QM borrowers: self-employed, real estate investors and those who are credit challenged. Many of these homebuyers have A-paper profiles and can show their ability-to-repay their loan, they just miss traditional Agency guidelines. Our guests, Licensed Mortgage Advisors Chris Philmon and Tim Horst, know first...
Environmental, Social and Governance Investing – A Responsibility We Take Seriously
December 30, 2021 10:00 - 48 minutes - 66.8 MBEnvironmental, Social and Governance (ESG) Investing is a phrase you might start hearing more often as it continues to gain importance. It's important to deploy capital to meet a social or environmentally impactful need to help underserved borrowers or areas affected by extreme environmental changes. Learn why it is important to create special programs and lending strategies to address underserved borrowers. As well, understand more about the governance framework and regulatory requirements ...
The Best Time To Buy Or Sell A Home? In The Winter When Others Don’t!
December 21, 2021 10:00 - 47 minutes - 66.1 MBPutting off buying or selling a home because it is the holidays and winter is coming up? Not so fast! This time of the year can provide excellent opportunities for homebuyers, sellers and real estate investors.We talk to Licensed Branch Manager with Angel Oak Ivy Eilerman and her husband, Rickey Eilerman, who is a highly successful Realtor. They have expert advice on buying, selling and building real estate portfolios.
Find Out You‘re Buying A Non-Warrantable Condo? This One’s For You!
December 16, 2021 10:00 - 51 minutes - 70.3 MBToday's podcast is all about hope! We are talking about non-warrantable condos. What happens when you find out the condo you want is non-warrantable? Not going to happen under Fannie and Freddie!Mortgage expert Lauren Patin, Underwriting Scenario Desk Analyst for Angel Oak, delivers a message of hope explaining how borrowers with this common challenge can get a loan for a condo that is non-warrantable.
Why More Borrowers Now Fall In The Jumbo Range And Why This Trend Will Continue
December 09, 2021 08:00 - 52 minutes - 72 MBAs we all know, the price of homes increased all across the country over the past year. Many borrowers who never thought they were Jumbo borrowers, all of a sudden, became a Jumbo borrower! The challenge….not all Jumbo borrowers fall neatly into Prime qualifications. They need a non-QM Jumbo option to purchase a home. This is not trend, but a scenario that will become more and more common. The answer…..a lender who has multiple Jumbo options including a non-QM product. Angel Oak Home Loans...
Climate Change – Is It Affecting The Mortgage Industry?
December 02, 2021 12:17 - 1 hour - 87.2 MBHost Michael Chabot talks to Sean Becketti, Vice President and Head of Portfolio Analytics at Freddie Mac, about a Research Institute For Housing America (RIHA) special report he authored on climate change and the mortgage industry. According to recent research, climate change triggered by global warming could have an impact on the behavior of portfolio lenders, GSEs, the federal government’s FHA / VA loan program and mortgage investors. This is due to extreme flooding, rising sea levels, and...
Our Top Ten Things We Are Thankful For!
November 25, 2021 11:00 - 4 minutes - 4.42 MBWe have a quick message for our listeners regarding why we are grateful for you and the ever-changing, always busy mortgage industry. Please listen, like, share and then feel free to share your thankful list! We'd love to see it and so would others. Happy Thanksgiving!
Federal Reserve Tapering Announcement - What You Need To Know About It
November 22, 2021 11:00 - 6 minutes - 9.27 MBThe Federal Reserve held a pivotal meeting in early November regarding their plan to begin reducing purchases of Treasury bonds and Agency mortgage backed securities. The Federal Reserve currently buys $80 billion worth of Treasury and $40 billion worth of mortgage backed securities each month to add liquidity and keep the economy healthy. This is the largest asset purchase in Fed history due to the severity of the pandemic induced recession. Michael Chabot discusses how they will start tape...
Realtors - Trust Growing Your Business to the University of Lending - Angel Oak Home Loans! | Ep 05
November 18, 2021 11:00 - 57 minutes - 106 MBHow does a Realtor stand out and beat the competition in today's fierce market? Watch the latest Your Mortgage Matters podcast hosted by Angel Oak's Michael Chabot. He is joined by veteran expert Licensed Branch Manager of Angel Oak Richard Staley and a highly accomplished Realtor Marybeth Henderson. Marybeth is a broker and owner of City Homes Realty in Atlanta as well as a leader in the real estate industry. This is a great episode for any seasoned Realtor looking to add volume or a new Re...
To The Self-Employed Mortgage Borrower – We Get You And We’ve Got You! | Ep 004
November 11, 2021 11:00 - 50 minutes - 69 MBWe have another exciting podcast this week dedicated to self-employed borrowers including 1099 earners. This market represents a huge underserved population of people. Why? Because those who take allowed deductions on tax returns can't qualify for a home loan under Agency guidelines. Homebuyers who work in the gig economy or with 1099 earning statements can also have a difficult time purchasing a home. What is the answer? A Bank Statement loan! Host Michael Chabot talks to SVP, Portfolio Tra...
To The Self-Employed Mortgage Borrower – We Get You And We’ve Got You! | Ep 04
November 11, 2021 11:00 - 50 minutes - 69 MBWe have another exciting podcast this week dedicated to self-employed borrowers including 1099 earners. This market represents a huge underserved population of people. Why? Because those who take allowed deductions on tax returns can't qualify for a home loan under Agency guidelines. Homebuyers who work in the gig economy or with 1099 earning statements can also have a difficult time purchasing a home. What is the answer? A Bank Statement loan! Host Michael Chabot talks to SVP, Portfolio Tra...
Real Estate Investors….You Can Win The Single Family Rental Race With Us! | Ep 03
November 04, 2021 10:00 - 55 minutes - 76.1 MBAngel Oak specializes in loan options for real estate investors. In fact, we provide many resources for real estate investors helping them to build their portfolios. This episode of Your Mortgage Matters is all about real estate investing today, the single family rental market, and how to beat the competition. This is perfect for seasoned investors, those just beginning, Realtors and anyone just interested in what this market looks like right now. Hear from an expert on the subject, Financi...
Private Capital, Skin in the Game, Hail Marys and a Hockey Puck | Ep 02
October 28, 2021 10:00 - 43 minutes - 59.4 MBThe latest episode of Your Mortgage Matters is available to watch and it’s one that answers many questions about what we do, why non-QM and how we are setting records in volume. Michael Chabot, VP licensed area manager and podcast host talks to Angel Oak’s John Hsu, chief risk officer, head of treasury strategies about all of these details. Non-QM is here to stay and growing more crucial as the market brings forth more challenges for homebuyers to purchase and Realtors to protect their earni...
Private Capital, Skin in the Game, Hail Marys and a Hockey Puck
October 28, 2021 10:00 - 43 minutes - 59.4 MBThe latest episode of Your Mortgage Matters is available to watch and it’s one that answers many questions about what we do, why non-QM and how we are setting records in volume. Michael Chabot, VP licensed area manager and podcast host talks to Angel Oak’s John Hsu, chief risk officer, head of treasury strategies about all of these details. Non-QM is here to stay and growing more crucial as the market brings forth more challenges for homebuyers to purchase and Realtors to protect their earni...
Who is Angel Oak and how are we revolutionizing the mortgage industry? Ep 1
October 21, 2021 10:00 - 51 minutes - 71.5 MBWelcome to our very first episode of Your Mortgage Matters with Angel Oak Home Loans! We are a lending powerhouse helping borrowers purchase and refinance who didn't think it was possible. Realtors have increased their earning potential working with us and selling more homes to more people. How? Listen to the episode! Managing Partner of Angel Oak Lending Steven Schwalb tells you our story of how we revolutionized the mortgage industry and continue to do so today. Tune in to find out what ...
Who is Angel Oak and how are we revolutionizing the mortgage industry? | Ep 01
October 21, 2021 10:00 - 51 minutes - 71.5 MBWelcome to our very first episode of Your Mortgage Matters with Angel Oak Home Loans! We are a lending powerhouse helping borrowers purchase and refinance who didn't think it was possible. Realtors have increased their earning potential working with us and selling more homes to more people. How? Listen to the episode! Managing Partner of Angel Oak Lending Steven Schwalb tells you our story of how we revolutionized the mortgage industry and continue to do so today. Tune in to find out what ...
Your Mortgage Matters - The Beginning!
October 06, 2021 14:56 - 52 seconds - 1.6 MBYour Mortgage Matters podcast is a must see for anyone interested or concerned about the mortgage industry today. This is not just another podcast by another lender. It's unlike anything else out there. Find out what that means by tuning in now. Vice President Licensed Area Manager Michael Chabot is excited to tell you all about it and why you won't want to miss an episode.