Dollars and Sensibility with Tom Stone

What’s wrong with “At Least I’m Doing SOMETHING”

Wed, 30 Sep 2026 16:50:13 GMT

Tom and Brandon talk about something that may be controversial - the phrase they hear often “at least I’m doing ____”

If we don’t know our WHY or WHERE we are going, that statement can just be a justification and block you from growing more.

Listen in and learn with Tom and Brandon as they discuss what they’ve been learning in their coaching programs!

Learn more at https://applywithstone.com/

What We’ve Learned through Coaching

Thu, 10 Sep 2026 19:37:22 GMT

EVERYONE should have a coach! Hear about Tom’s and Brandon’s recent experiences with a coach and why it’s a good idea for everyone. They discuss some nuggets of wisdom they’ve learned and how it all applies to real estate!

Learn more at https://applywithstone.com/

How almost ANYONE can help their child buy a home

Tue, 11 Aug 2026 21:24:36 GMT

The average first time homebuyer in the US is now at age 40! Tom and Brandon come together to talk about how this is actually a big problem. Tom shares how he personally helps his kids and suggests other people help their kids that does NOT require you to put down a huge downpayment for them!

Come chat more with Tom and Brandon! Learn more at ApplyWithStone.com

Hedging Debt against Inflation - and why it works

Tue, 04 Aug 2026 19:49:01 GMT

Tom and Brandon talk numbers and what it means to "hedge your debt against inflation" - a question brought up by Tom's youngest son.

If you're worried about a 6% interest rate, this episode will bring you a lot of peace and perspective!

Learn more at ApplyWithStone.com

Is it a Problem or an Opportunity?

Thu, 23 Jul 2026 22:44:53 GMT

In this episode Tom and Brandon talk about problem solving - something we all have to do every day. We talk making decisions while also dealing with fear, especially when it comes to business and real estate problems (or opportunities, depending on how you look at it)

Learn more at ApplyWithStone.com

How I EMPOWER My Kids to Buy Their First Home

Mon, 13 Jul 2026 20:17:56 GMT

Join Tom and his daughter in law, Elizabeth, as she talks about the experience of buying their first home. They walk through the specifics of how Tom empowered and helped them get a leg up and get their first home back in 2021.

This episode has great tips for parents wanting to help (but not enable) their kids, but also great encouragement for first time home buyers - you can do more than you think!!

Learn more at ApplyWithStone.com

Should I Buy Down my Rate?

Wed, 08 Jul 2026 16:50:26 GMT

Tom and Brandon sit down to answer clearly a question they get all the time - should I buy down my rate? After quickly answering the question, they dive into WHY as well as diving into some market predictions!

Learn more at ApplyWithStone.com

Does Bargain Bias Exist When Shopping for a Loan?

Mon, 29 Jun 2026 17:18:47 GMT

Bargain bias - or what we call “discount delusion disorder” - is REAL when getting a loan. Real estate purchases are some of the biggest purchases of your life, so going just for the “cheapest” loan is often something that will bite you in the butt later on!

Listen in Tom and Brandon discuss what to look for when shopping for a loan for the best long-term VALUE!

Learn more at ApplyWithStone.com

Should I Pay Off My House?

Thu, 28 May 2026 04:08:17 GMT

Join Tom on this quick podcast episode where he gives you his honest answer to this common question: “Should I pay off my house??”

He speaks from experience and has a clear answer for you!

Learn more and chat with us!

ApplyWithStone.com

Know vs No: The Truth about Reverse Mortgages

Wed, 22 Apr 2026 20:19:54 GMT

When we mention reverse mortgages, we often hear an immediate “NO”

But do they really know what they are saying no to? Usually not!

In this episode Tom dives into how Reverse Mortgages ACTUALLY work, so you’re in the KNOW instead of just saying NO

Learn more at ApplyWithStone.com

Mortgage Loan Officer's MARKET PREDICTIONS

Wed, 22 Apr 2026 19:23:53 GMT

Listen in to this quick solo podcast where Tom gives his market predictions for the rest of 2026 and beyond. With so many years in the industry, he's got a great pulse on things and has seen these trends before!

Should I Trust Someone NEW in the Real Estate Industry?

Mon, 13 Apr 2026 19:42:08 GMT

Meet Tori, our new loan officer! She’s been in the business for a couple of weeks now. Hiring someone BRAND new is not something Tom ever planned on. But you can’t teach customer service, integrity, and likability. Tori has all that, and with the years of experience with the Stone team, Tori will be GREAT loan officer to trust.

Learn more at ApplyWithStone.com

Loans on UNIQUE Real Estate Properties

Wed, 08 Apr 2026 17:06:09 GMT

Unique properties comes with unique loans - today we talk about something that has come up multiple times this week! Log homes, manufactured homes, cabins, and barndominiums.

It's good to have experts behind you when purchasing unique properties!

Learn more about us at ApplyWithStone.com

Kids These Days: She Bought a House at NINETEEN

Wed, 01 Apr 2026 16:50:07 GMT

Mariah bought a house at 19. No, she’s not a trust fund baby. Now, she is 27 and looks back on this decision and how it’s impacted her life. Tom and Mariah discuss anxieties, age limits, and the realities of buying a house.

Kids these days are pretty amazing!

Learn more and contact us at https://www.guildmortgage.com/the-stone-team/

Kids These Days: 18 year old Entrepreneur

Tue, 24 Mar 2026 18:03:13 GMT

Luci Rand is a senior at Wasatch High School, and the owner of Lens By Luci (https://www.instagram.com/lensbyluci/) (https://lensbyluci.mypixieset.com/)

Luci is wise beyond her years and discusses starting a business, managing school and work, future real estate plans, and even if college is optional or not.

Listen in and gain more confidence in this rising generation!

Learn more at ApplyWithStone.com

Kids These Days: High School Senior's Perspective

Wed, 18 Mar 2026 15:35:59 GMT

Part 2 of Tom’s “Kids These Days” series brings a Wasatch High School senior, McCoy. McCoy’s mom, Ashley, was just on the podcast and getting a second generation perspective was insightful and encouraging.

Hear about where high school seniors are at mentally with their ideas of the future. McCoy’s plans are encouraging to anyone that says “kids these days” with a negative connotation.

Learn more or talk with us by heading to our website: ApplyWithStone.com

Kids These Days: Advice from my 7 Year Old Granddaughter

Wed, 11 Mar 2026 19:46:00 GMT

Join Tom and his 7 year old granddaughter on this short, fun episode! They talk all about learning, building businesses, and the importance of a home.

You can never start educating too early!

Learn more or get ahold of us at ApplyWithStone.com!

Finally BUYING After Renting for 20 Years

Tue, 10 Mar 2026 20:52:36 GMT

Join Tom and Ashley, who has worked at the office for 11 years. 5 years ago, she bought a home for the first time (after 20 years of renting and thinking buying would be impossible). Since then, she’s been able to pay off student loan debt and acquire more properties, transforming her finances and future. Ashley is here to say that if she could do it, you can too.

Learn more or get in contact with us at ApplyWithStone.com

YOUR Mortgage Question: Is 2026 a Good Time to Buy?

Mon, 12 Jan 2026 19:40:03 GMT

Welcome to our first recording of 2026! The number 1 question we are getting right about now is, “What kind of mortgage trends do you foresee in 2026? Is now a good time to buy?”

Join Tom and Brandon as they discuss their advice based on years of experience, including interest rate expectations, investor roles and trends, and understanding your personal market.

Learn more or get ahold of us at ApplyWithStone.com!

YOUR Mortgage Question: What in the world is a ADJUSTABLE Rate Mortgage??

Mon, 12 Jan 2026 19:39:56 GMT

Whenever we mention an “ARM” (Adjustable Rate Mortgage) - the reaction is “no way, not for me.”

Well, let us tell you a little more about itand THEN you should decide!

In this episode we dive into the plusses and minuses and WHEN an ARM is a great option for you. Our answers may surprise you!

Give us a call with your mortgage question at 435-654-9979 or check us out at ApplyWithStone.com

YOUR Mortgage Question: Should I Think About Buying a Condominium?

Mon, 08 Dec 2025 20:26:33 GMT

In this episode, the team takes opposite views and debates it out to answer the VERY common question: should I buy a condo??

They also dive into the education and questions YOU need to ask before buying a condo - there is more that goes into it than you think!

Come chat with us and learn more at ApplyWithStone.com!

YOUR Mortgage Question: All About AFFORDABLE HOUSING

Thu, 04 Dec 2025 21:14:23 GMT

Talking about how to define what is “affordable” for you (including formulas!), government programs and how to afford them, downpayment assistance, USDA loans, veteran housing, self-help homes, and much more. This episode is bursting with need-to-know info for people searching for affordable housing.

Learn more about us at ApplyWithStone.com, and come ask us your questions!

YOUR Mortgage Question: How do I help MY PARENTS?

Wed, 12 Nov 2025 22:04:40 GMT

Diving into one of our most frequently asked questions - how do I help my PARENTS with their retirement? Diving into Reverse Mortgages, the Stone Team discusses the misconceptions and facts about this amazing product that is a perfect fit for so many people who would love some extra $$$ during their retirement.

The Mortgage Question We Get Asked the MOST

Tue, 04 Nov 2025 19:57:26 GMT

Today we are going over our most commonly asked question BY FAR! Our in-house expert, Danielle, goes over how to determine how much to “put down” on your real estate investments. In this episode, we go over the loan products and options. It’s chock-full of NEED TO KNOW real estate info!

Get more info at https://applywithstone.com/

3 Mortgage Questions We Got Asked Today

Wed, 29 Oct 2025 20:07:19 GMT

In this quick episode we answer 3 questions we literally got asked today - from real people with real mortgage questions! From deed restrictions to blended rates, we quickly answer your questions in this episode!

If You Want It, Go and Get It

Thu, 27 Feb 2025 22:44:41 GMT

We were lucky enough to have Brandon's younger brother, Preston, join us for an episode! Preston owns many properties in Heber Valley and talks about how he got started doing so at a very young age. His practical and specific advice is great for anyone looking to build wealth through real estate.

Learn more at GoApplyWithTom.com

The Self-Made Man

Thu, 20 Feb 2025 20:31:53 GMT

We're lucky to have Tracy Sabey with us this week - a well-loved man in the community who has an incredible story. Listen in and hear some wisdom from a truly self-made man and how he has built his real estate portfolio.

Learn more at GoApplyWithTom.com

Bad News is Good News in Real Estate

Tue, 28 Jan 2025 21:24:55 GMT

Listen in to this quick episode where Tom and Danielle explain what they mean when they say "bad news is good news," especially when it comes to investing in real estate!

Learn more at GoApplyWithTom.com

Mortgage Loan Officer ORIGIN STORES

Thu, 23 Jan 2025 21:07:24 GMT

Join us for an episode of ORIGIN STORIES!

We are welcoming Brandon Hicken, our newest Mortgage Loan Officer, to our office. We are taking the opportunity to talk about how in the world we got into doing Mortgages and where it's taken us!

Learn more at GoApplyWithTom.com

Investing in Your 50s

Thu, 16 Jan 2025 22:03:19 GMT

Join the team as they chat with longtime friend, Keith Wills, about starting investments at an "older" age!

Full of do's and don'ts, this episode is chock-full of great advice and tips from people who have been there.

Learn more at GoApplyWithTom.com

Waiting is NOT a Strategy

Fri, 10 Jan 2025 01:11:46 GMT

The number 1 thing we are hearing right now is that people want to WAIT to buy. While that may be smart in some circumstances, we are here to warn against the risks of waiting!

Join us in this quick episode as we break down TIMING of taking opportunities.

Learn more at GoApplyWithTom.com

Some People See Problems, Others See Opportunities

Wed, 18 Dec 2024 00:02:52 GMT

Join us as we speak with a very special guest, Kam Kohler! This local legend started as a dairy farmer and became an entrepreneur and real estate investor. Join us as we talk about his career path and more!

Learn more at GoApplyWithTom.com

You Train People How to Treat You

Wed, 11 Sep 2024 16:47:10 GMT

Learn more at GoApplyWithTom.com

From parenting to friendships to being a Landlord, you TRAIN people how to treat you. Join Tom and Danielle as they discuss strategies to make the most of this truth, especially in regards to owning real estate.

The Golden Handcuffs: a Low Interest Rate

Thu, 22 Aug 2024 23:00:37 GMT

Owning a home with a 2-3% rate is a magical thing.

But this golden opportunity can turn into "golden handcuffs" if you aren't careful.

Join Tom and Danielle this episode to understand your options with your low-interest-rate property and how to make the most of it for your family.

Learn more at GoApplyWithTom.com

Upgrade Homes: Rent Yours, Buy New with No Down

Thu, 18 Jul 2024 13:21:35 GMT

Here's an idea: convert your current home into rental and buy a new house with no down payment.

Yes, it's totally possible and Tom talks all about it in this new episode!

Learn more at goapplywithtom.com

Financial Options for Retirement

Fri, 14 Jun 2024 04:45:10 GMT

Would you encourage your grandma get a Reverse Mortgage? Tom and Danielle would.

Join in as these mortgage lenders talk about the myths, advantages, and negatives of Reverse Mortgages.

Learn more at goapplywithtom.com!

Art of Selling and Negotiating

Wed, 29 May 2024 15:48:03 GMT

Join Tom on this quick solo episode where he talks about SALES - something we ALL have to do (even if we aren't technically sales people!)

Learn more at https://branches.guildmortgage.com/ut/hebercity/thomas-stone-409-skts.html

Fiscal Conservatism vs Fiscal Progressiveness

Wed, 22 May 2024 14:09:34 GMT

We're back after a big move and a busy season of life! Join Tom as he touches on some big questions like:

-Is it really in my best interest to pay off my loan?

-What kind of real estate investment is for me (if any)?

-How is my financial attitude affecting my life?

Learn more at https://goapplywithtom.com/

Is a Realtor really worth the money?

Fri, 03 Nov 2023 16:50:42 GMT

We all have a love/hate relationship with realtors. Listen in to hear our professional opinion on whether or not they are worth the money (and if we use them ourselves!)

Learn more about Tom Stone at https://goapplywithtom.com/
Learn More about Jalayne Bassett at https://bassettrealtygroup.com/

Stocks, bonds, and getting rich slowly

Fri, 22 Sep 2023 21:58:33 GMT

We are all tempted by the "get rich quick" schemes out there- and our guest Scott Phillips knows all about them. As an experienced and successful financial advisor, he has some insights that are proven to get you rich... slowly. But good things take time, right?

Learn more about Tom:

https://branches.guildmortgage.com/ut/hebercity/thomas-stone-409-skts.html

Learn more about Scott:
https://www.dscottphillips.com/

Nightly Rentals - Worth It?

Thu, 27 Jul 2023 18:05:25 GMT

Nightly Rentals (VRBO, AirBNB, etc) are all the rage. Listen in as Tom gives his very honest professional opinion on whether or not nightly rentals are a good investment!

Learn more at https://branches.guildmortgage.com/ut/hebercity/thomas-stone-409-skts.html

SPEC HOUSE is FRAMED! What is 4 way?

Wed, 19 Jul 2023 21:55:33 GMT

The conversations continues! Listen in as designer, contractor, and investor talk about bumps in the road, successes, and next steps on the newly framed SPEC HOUSE in Midway, Utah

Spec House listing: https://www.zillow.com/homedetails/391-Brinton-Ct-Midway-UT-84049/2063256705_zpid/?view=public

Learn more about Tom: https://branches.guildmortgage.com/ut/hebercity/thomas-stone-409-skts.html

Learn more about Tate: https://berg.construction/

Learn more about Bri: https://www.midway.design/

WAITING vs. TIMING

Tue, 30 May 2023 20:50:09 GMT

Waiting and timing are not synonyms for your investment strategy! In this solo podcast, Tom dives into his TIMING with the spec house and some other insider tips for investing in real estate.

Learn more at
GoApplyWithTom.com

@dollarsandsensibility on instagram

Buy a home in THIS economy?

Wed, 17 May 2023 20:52:16 GMT

I've had 4 people come talk to me in the last week saying essentially this: "my adult children don't know if it will ever be possible to buy a home with these rates and these prices."

In this episode we tell you exactly what we told them - HOW to buy a home in this economy. It's definitely possible and definitely still a great investment!

SPEC HOUSE UPDATE

Thu, 04 May 2023 20:38:21 GMT

We're doing a part 2 on our most popular episode! Listen in with Tom (the investor), Tate (the contractor), and Bri (the designer) as they give updates on and share experiences about the spec house they are working on!

Learn more at:
www.GoApplyWithTom.com
www.berg.construction
www.midway.design

YOUR personal economy

Wed, 26 Apr 2023 17:01:48 GMT

YOUR day to day is effected by economies. Global, national, local, and personal economies. These are all related, but NOT the same. Listen in as Tom discusses your personal economy - what that means, looks like, and how you can magnify it.

Learn more at GoApplyWithTom.com
or call 435-654-9979

35 years in business to learn “it always works out”

Wed, 19 Apr 2023 16:59:42 GMT

Pam Metcalf is Tom's boss. She is the District Manager of Guild Mortgage - and has become a very close friend of Tom's.

They've been in the business a long time - and this one thing is for sure. It ALWAYS works out!

Learn more at GoApplyWithTom.com

Headache Factor with Owning Real Estate

Tue, 11 Apr 2023 20:15:31 GMT

In this episode, we go over a quantifiable analysis of all things considered in owning real estate. Is it worth it?

As always, learn more at GoApplyWithTom.com

Recessions and Real Estate

Thu, 06 Apr 2023 15:41:05 GMT

Rather than fixate on the "recession," let's talk facts and figure out how you REALLY are affected. How can you spend this time getting ahead? What is YOUR personal recession? How can we make this a positive thing financially? Listen in on this solo episode with Tom Stone.

Learn more at GoApplyWithTom.com

So… What is an Underwriter?

Fri, 31 Mar 2023 15:54:51 GMT

Tom and Guild Mortgage's Regional Operations Manager sit down to discuss the BEHIND THE SCENES of what happens when you apply + go through the mortage process.

Learn more at GoApplyWithTom.com

The Loan Process

Wed, 22 Mar 2023 22:38:30 GMT

Building wealth through real estate can be daunting, not only because of the investment, but because of the loan process. Knowledge about the loan process lessens your anxiety and helps you make great decisions!

Learn more at GoApplyWithTom.com

Pre-Qualified or Pre-Approved?

Thu, 16 Mar 2023 22:42:21 GMT

Join Tom and his long-time employee, Ashley Anderson as they break down the jargon that might make things frustrating when you are beginning the process of buying a piece of real estate!

Get expert advice and learn more at GoApplyWithTom.com

Real Estate Retirements

Thu, 02 Mar 2023 00:05:53 GMT

Listen in as Tom sits down with his close friends, Jason & Jen Price. This awesome couple dives into their challenges + successes of owning rental properties, especially through the 2008 recession onto a huge boom in recent years.

Who has the title to my house?

Tue, 21 Feb 2023 21:06:39 GMT

Join Tom as he sits down with Mike Brown from Atlas Title. Mike is an expert at what he does and his advice can help you get on the right track with your investment properties!

Learn more at:
GoApplyWithTom.com
AtlasTitle.com

Get off the sidelines

Tue, 14 Feb 2023 22:30:36 GMT

Being fiscally conservative is a great thing... until it prevents you from bettering your life. Join Tom and his team member, Danielle, as they talk about their personal journeys with finding success when they've taken (smart) financial risks.

Learn more at
GoApplyWithTom.com

or call Tom at (435) 654-9979

Here comes the “dreaded” tax season

Fri, 10 Feb 2023 23:46:16 GMT

Tom is here with Jeff Bradshaw CPA, proving that taxes don't have to be boring. Jeff's job is to ethically and legally help you pay as little tax as possible. Listen in as they talk about a few strategies and tips to help you as you line up all of your documents this tax season!

Learn more at:
GoApplyWithTom.com

JeffBradshawCPA.com

instagram.com/dollarsandsensibility

Jumping ALL in

Tue, 31 Jan 2023 18:04:55 GMT

Join Tom and Travis as they discuss building wealth through real estate, schooling decisions, and keeping that entrepreneural spark alive!

Learn more at:
goapplywithtom.com
strongpropertymgt.com

Follow along on Instagram:
https://www.instagram.com/dollarsandsensibility/

No margins, no mission

Thu, 26 Jan 2023 19:15:56 GMT

Listen in as Tom interviews Jonathan Burton about his story, the beginnings of being an entrepreneur, and insights into running a service-driven business (while still being strategic).

Learn more at:
innovativeharbor.com/
instagram.com/innovativeharbor/

goapplywithtom.com
instagram.com/dollarsandsensibility/

Dream Home Builder

Mon, 23 Jan 2023 22:44:47 GMT

Want to learn more about starting a construction business, navigating that with family, and what it's like behind the scenes of a popular Netflix series? Take it from Tyler Farrell, an expert on all of the above.

Learn more at:
goapplywithtom.com
killowenco.com

Watch Tyler on Netflix:
https://www.netflix.com/us/title/81088239?s=i&trkid=13747225&vlang=en&clip=81640526

Follow along on Instagram:

Dollars & Sensibility Podcast: https://www.instagram.com/dollarsandsensibility/
Killowen Construction: https://www.instagram.com/killowenconstruction/

What art, therapy, and real estate have in common

Wed, 18 Jan 2023 03:49:13 GMT

Tom met Natalie & Levi while adventuring in Southern Utah and knew he had to have them on the podcast. Listen in as they discuss relationships and how people from 3 very different fields view building wealth.

Learn more:
goapplywithtom.com
crossleyfineart.com
levischomas.com

Life-defining moments

Sun, 08 Jan 2023 04:24:02 GMT

Tom has been close friends with Danny Labrum for a long time and through a lot of different life stages. Listen in to hear Danny's story of pivoting from an aspiring doctor to a car dealership owner and all of the growing pains + successes that came from it.

Learn more at goapplywithtom.com and labrumford.com

When is it time to PIVOT?

Thu, 05 Jan 2023 00:32:11 GMT

Join Tom as he sits down with Ashley, who has been on his team for over 8 years. Over the years, they've pivoted multiple times to reach the right people - and they are currently implimenting the biggest change yet. Listen in as they discuss the big changes in Guild Mortgage and how to decide when anyone else's business should consider pivoting as well.

Learn more at goapplywithtom.com

What’s my first move? Insurance!

Sat, 31 Dec 2022 22:21:23 GMT

Insurance, while not the most glamorous topic, has more to it than we sometimes think. Being strategic about your assets and responsibilites doesn't have to be expensive - but can give you incredible peace of mind. And who can put a price on that?
Learn more at goapplywithtom.com and stoneinsurance1.com

Training people how to treat you

Mon, 26 Dec 2022 22:24:34 GMT

Nicole Ferguson, owner of Mountain Refined in Heber City, Utah is well-known in the community for being dependable, fun, and professional. What many don't know is that she's had to overcome some seriously difficult obstacles to be where she is at today.
Join in with Tom and Nicole as they talk about boundaries, growing a business, pivoting to prepare for a recession, and overcoming personal difficulties.

Learn more at goapplywithtom.com and mtnrefined.com

What kind of lifestyle do you want when you grow up?

Mon, 19 Dec 2022 23:50:54 GMT

Some may call it nepotism, but my son, Tate Stone, has some seriously smart insights. Join us as we dive into Tate’s story and the business he just started.

We’re building a SPEC HOME

Tue, 29 Nov 2022 00:16:34 GMT

Tom, Bri, and Tate sit down to discuss building a Spec Home in today’s market, nailing down designs, and how to choose the right people to work on your home. Learn more about the hosts: Tom Stone: https://goapplywithtom.com Tate Berg: https://berg.construction/ Bri Duncan: https://www.midway.design/

Should I build or buy a home?

Wed, 09 Nov 2022 00:58:48 GMT

If you are in the market or may be in the market in the next couple of years, let's analyze what may be the best option for you and how to do get it done! This episode features advice from custom home builder, Tate Berg (https://berg.construction/)

When is a good time to start a business?

Tue, 08 Nov 2022 21:59:17 GMT

Listen to first-hand advice about starting a business, pivoting, and timing. Learn more about our guest, Elizabeth Stone, at sociasavvy.com or reach out to Tom at goapplywithtom.com

Get Real With Me

Tue, 08 Nov 2022 21:55:10 GMT

Let’s get to know each other - I’ll go first! In this intro episode I’ll tell a bit about how I grew up, how I raised my family, and experiences I’ve had with my clients. These experiences have defined my relationship with money and have given me the know-how to help others improve their relationship with money as well. Contact me at goapplywithtom.com

Dollars and Sensibility with Tom Stone

What’s wrong with “At Least I’m Doing SOMETHING”

What We’ve Learned through Coaching

How almost ANYONE can help their child buy a home

Hedging Debt against Inflation - and why it works

Is it a Problem or an Opportunity?

How I EMPOWER My Kids to Buy Their First Home

Should I Buy Down my Rate?

Does Bargain Bias Exist When Shopping for a Loan?

Should I Pay Off My House?

Know vs No: The Truth about Reverse Mortgages

Mortgage Loan Officer's MARKET PREDICTIONS

Should I Trust Someone NEW in the Real Estate Industry?

Loans on UNIQUE Real Estate Properties

Kids These Days: She Bought a House at NINETEEN

Kids These Days: 18 year old Entrepreneur

Kids These Days: High School Senior's Perspective

Kids These Days: Advice from my 7 Year Old Granddaughter

Finally BUYING After Renting for 20 Years

YOUR Mortgage Question: Is 2026 a Good Time to Buy?

YOUR Mortgage Question: What in the world is a ADJUSTABLE Rate Mortgage??

YOUR Mortgage Question: Should I Think About Buying a Condominium?

YOUR Mortgage Question: All About AFFORDABLE HOUSING

YOUR Mortgage Question: How do I help MY PARENTS?

The Mortgage Question We Get Asked the MOST

3 Mortgage Questions We Got Asked Today

If You Want It, Go and Get It

The Self-Made Man

Bad News is Good News in Real Estate

Mortgage Loan Officer ORIGIN STORES

Investing in Your 50s

Waiting is NOT a Strategy

Some People See Problems, Others See Opportunities

You Train People How to Treat You

The Golden Handcuffs: a Low Interest Rate

Upgrade Homes: Rent Yours, Buy New with No Down

Financial Options for Retirement

Art of Selling and Negotiating

Fiscal Conservatism vs Fiscal Progressiveness

Is a Realtor really worth the money?

Stocks, bonds, and getting rich slowly

Nightly Rentals - Worth It?

SPEC HOUSE is FRAMED! What is 4 way?

WAITING vs. TIMING

Buy a home in THIS economy?

SPEC HOUSE UPDATE

YOUR personal economy

35 years in business to learn “it always works out”

Headache Factor with Owning Real Estate

Recessions and Real Estate

So… What is an Underwriter?

The Loan Process

Pre-Qualified or Pre-Approved?

Real Estate Retirements

Who has the title to my house?

Get off the sidelines

Here comes the “dreaded” tax season

Jumping ALL in

No margins, no mission

Dream Home Builder

What art, therapy, and real estate have in common

Life-defining moments

When is it time to PIVOT?

What’s my first move? Insurance!

Training people how to treat you

What kind of lifestyle do you want when you grow up?

We’re building a SPEC HOME

Should I build or buy a home?

When is a good time to start a business?

Get Real With Me

YOUR Mortgage Question: All About AFFORDABLE HOUSING