Helping Heroes Become Homeowners

In this episode of Helping Heroes Become Homeowners, host Richard Sarey sits down with Chris Cox, a seasoned real estate agent with Compass, to break down what 2025 has in store for the housing market. With nearly two decades of experience in the North Texas real estate scene, Chris brings expert insights on what buyers and sellers need to know to navigate the upcoming year.From market trends and interest rates to strategies for making the most of your home purchase or sale, Chris shares insider knowledge that will help you make smart real estate moves in 2025. Whether you're a first-time homebuyer, a seasoned investor, or a homeowner looking to sell, this episode is packed with valuable advice to help you make informed decisions.Chris is a key member of the Carrie Himel Group, one of the top-producing real estate teams in North Texas, and has been recognized by Dallas Best Magazine and Real Trends for his outstanding work. Beyond real estate, he’s a dedicated family man, former college athlete, and passionate coach for young baseball and softball players.Connect with our Guest:Visit Chris Cox’s Compass profile: https://www.compass.com/agents/chris-cox/Podcast Information📢 Company Name: Alliance Mortgage Group🎙 Host: Richard Sarey🏡 Podcast Name: Helping Heroes Become Homeowners🔗 Podcast URL: https://www.helpingheroesbecomehomeownerspodcast.com/💼 Sponsor Name: Alliance Mortgage Group🌐 Sponsor URL: https://www.alliancemtggroup.net📜 NMLS Numbers:Richard Sarey NMLS# 291309Company NMLS: 292257📍 Address: Main St. Ste 221, Frisco, TX 75033📞 Contact Number: 214-872-2188🔗 Social Media Links:Facebook: https://www.facebook.com/alliancemortgagegroupfriscotxLinkedIn: https://www.linkedin.com/in/richard-sarey-2abb918/YouTube: https://www.youtube.com/@richardsareyhomeloans📢 Hashtags:#HomeOwnership #RealEstateInvesting #MortgageTips #BuyingAHome #SellingAHome #MortgageAdvisor #HomeLoanHelp #VAHomeLoan #InvestmentProperty #HomeFinancing #RichardSarey #AllianceMortgageGroup #HelpingHeroesBecomeHomeownersDisclaimer:The information is intended to be viewed for informational purposes only. The content contained herein is not guaranteed or endorsed by the company or any company mentioned, nor is this content meant to be an offer of credit. The information contained in this video may not be wholly or at all applicable to every situation or jurisdiction. You are strongly encouraged to consult your professional mortgage advisor before acting upon any information in this video. The information provided is for use as a training tool only. The information is not intended, nor should it be relied upon for any other purpose.🚀 Tune in now to stay ahead of the 2025 housing market! 🎧🏡

In this insightful episode of the Helping Heroes Become Homeowners Podcast, host Richard Sarey is joined by Ryan Gibson, Loan Officer at Alliance Mortgage Group, to explore the top-searched mortgage questions that homebuyers are asking right now. Ryan breaks down the most common queries and misconceptions people have when navigating the home loan process. Whether you're a first-time homebuyer or a seasoned investor, this episode has invaluable advice to help you better understand your mortgage options.Connect with our Guest at https://www.ryangibsonmortgages.com/Company Name: Alliance Mortgage GroupHost: Richard SareyPodcast Name: Helping Heroes Become Homeowners PodcastPodcast Description: Welcome to the Helping Heroes Become Homeowners podcast, where we unlock the secrets to homeownership for veterans and real estate professionals. Hosted by Richard Sarey, a mortgage industry veteran with over 25 years of experience, this podcast aims to simplify the often complex world of home loans, especially the VA home loan program.Podcast URL: https://www.helpingheroesbecomehomeownerspodcast.com/Sponsor Name: Alliance Mortgage GroupSponsor URL: https://www.alliancemtggroup.netNMLS Numbers: Richard Sarey NMLS#291309, Company NMLS: 292257Licensing Information: We've been helping customers afford the home of their dreams for many years, and we love what we do. NMLS Consumer Access | Equal Housing OpportunityContact Number: 214-872-2188Social Media Links:Facebook: https://www.facebook.com/alliancemortgagegroupfriscotxLinkedIn: https://www.linkedin.com/in/richard-sarey-2abb918/YouTube Link: https://www.youtube.com/@richardsareyhomeloansHashtags:#HomeOwnership#FirstTimeHomeBuyer#MortgageQuestions#MortgageTips#RealEstateInvesting#HomeLoanHelp#VAHomeLoan#HelpingHeroesBecomeHomeowners#AllianceMortgageGroup#RichardSareyDisclaimer:The information is intended to be viewed for informational purposes only. The content contained herein is not guaranteed or endorsed by the company or any company mentioned, nor is this content meant to be an offer of credit. The information contained in this episode may not be wholly or at all applicable to every situation or jurisdiction. You are strongly encouraged to consult your professional mortgage advisor before acting upon any information in this episode. The information provided is for use as a training tool only. The information is not intended, nor should it be relied upon for any other purpose.

In this exciting episode of the Helping Heroes Become Homeowners podcast, Richard Sarey sits down with Rene Sanchez-Mosley, a skilled real estate agent from Crew Real Estate, and Ryan Gibson, an experienced loan officer from Alliance Mortgage Group, to dive deep into the current housing market trends. Together, they explore how shifts in the market are affecting buyers, sellers, and investors alike. Whether you’re a first-time homebuyer or a seasoned real estate professional, this episode is packed with valuable insights you can’t afford to miss!Connect with our Guests:Rene Sanchez-Mosley: www.facebook.com/profile.php?id=100084827779648Ryan Gibson: www.ryangibsonmortgages.comCompany Name: Alliance Mortgage GroupHost: Richard SareyPodcast Name: Helping Heroes Become Homeowners PodcastPodcast Description: Welcome to the Helping Heroes Become Homeowners Podcast, where we unlock the secrets to homeownership for veterans and real estate professionals. Hosted by mortgage expert Richard Sarey, this podcast simplifies the often complex world of home loans, especially the VA home loan program.Podcast URL: www.helpingheroesbecomehomeownerspodcast.comSponsor Name: Alliance Mortgage GroupSponsor URL: www.amglending.comNMLS Numbers: Richard Sarey NMLS#291309, Company NMLS: 1423395Licensing Information: We've been helping customers afford the home of their dreams for many years and we love what we do. NMLS Consumer Access | Equal Housing OpportunityContact Number: (661) 810-3362Social Media Links:Facebook: www.facebook.com/alliancemortgagegroupfriscotxLinkedIn: www.linkedin.com/in/richard-sarey-2abb918YouTube: www.youtube.com/@richardsareyhomeloansHashtags:#HomeOwnership #FirstTimeHomeBuyer #ReverseMortgage #VeteranHomeLoans #RealEstateInvesting #MortgageTips #SeniorLiving #FinancialFreedom #RealEstateEducation #HomeEquity #RetirementPlanning #PropertyInvestment #BuyingAHome #SellingAHome #MortgageAdvisor #HomeLoanHelp #VAHomeLoan #AgingInPlace #InvestmentProperty #HomeFinancing #alliancemortgagegroup #richardsarey #helpingherosbecomehomeowners #helpingheroesbecomehomeownerspodcastDisclaimer:The information is intended to be viewed for informational purposes only. The content contained herein is not guaranteed or endorsed by the company or any company mentioned, nor is this content meant to be an offer of credit. The information contained in this video may not be wholly or at all applicable to every situation or jurisdiction. You are strongly encouraged to consult your professional mortgage advisor before acting upon any information in this video. The information provided is for use as a training tool only. The information is not intended, nor should it be relied upon for any other purpose.

In this exciting episode of the Helping Heroes Become Homeowners podcast, host Richard Sarey sits down with Chris Cox, a seasoned Realtor with over 19 years of experience, and a key member of the Carrie Himel Group. Chris, who has been recognized as part of one of North Texas' top real estate teams, shares his insights on new settlement rulings that affect both buyers and sellers in the real estate market.With his extensive knowledge of the North Texas area, Chris discusses how these rulings will impact the homebuying and selling process, and what you need to know to stay ahead in this competitive market.Beyond real estate, Chris opens up about his journey from college baseball player to top-tier Realtor, his love for the North Texas community, and how his personal experiences have shaped his career. Whether you’re a first-time homebuyer, seasoned investor, or real estate professional, this episode is packed with valuable insights!Connect with our guest: https://www.compass.com/agents/chris-cox/Company Name: Alliance Mortgage GroupHost: Richard SareyPodcast Name: Helping Heroes Become Homeowners PodcastPodcast Description: Welcome to the Helping Heroes Become Homeowners podcast, where we unlock the secrets to homeownership for veterans and real estate professionals. Hosted by mortgage expert Richard Sarey, we break down the often complex world of home loans, with a special focus on the VA home loan program.Podcast URL: https://www.helpingheroesbecomehomeownerspodcast.com/Sponsor Name: Alliance Mortgage GroupSponsor URL: https://alliancemtggroup.net/NMLS Numbers: Richard Sarey NMLS: 291309; Company NMLS: 292257Licensing Information: We've been helping customers afford the home of their dreams for many years and we love what we do... NMLS: 1423395 NMLS Consumer Access | Equal Housing OpportunityContact Number:  (214) 872-2188Social Media Links:Facebook: https://www.facebook.com/alliancemortgagegroupfriscotxLinkedIn: https://www.linkedin.com/in/richard-sarey-2abb918/YouTube: https://www.youtube.com/@richardsareyhomeloansHashtags:#HomeOwnership #FirstTimeHomeBuyer #ReverseMortgage #VeteranHomeLoans #RealEstateInvesting #MortgageTips #SeniorLiving #FinancialFreedom #RealEstateEducation #HomeEquity #RetirementPlanning #PropertyInvestment #BuyingAHome #SellingAHome #MortgageAdvisor #HomeLoanHelp #VAHomeLoan #AgingInPlace #InvestmentProperty #HomeFinancing #AllianceMortgageGroup #RichardSarey #HelpingHerosBecomeHomeowners #HelpingHereosBecomeHomeownersPodcastDisclaimer: The information is intended to be viewed for informational purposes only. The content contained herein is not guaranteed or endorsed by the company or any company mentioned, nor is this content meant to be an offer of credit. The information contained in this video may not be wholly or at all applicable to every situation or jurisdiction. You are strongly encouraged to consult your professional mortgage advisor before acting upon any information in this video. The information provided is for use as a training tool only. The information is not intended, nor should it be relied upon for any other purpose.

In this episode of the "Helping Heroes Become Homeowners Podcast," host Richard Sarey dives deep into the current market conditions and discusses whether it's the right time to refinance your VA home loan.With over 25 years of experience in the mortgage industry, Richard offers expert insights to help you make an informed decision about refinancing. Whether you're considering lowering your monthly payments, tapping into home equity, or simply exploring your options, this episode is packed with valuable information tailored specifically for veterans.Tune in to hear Richard's take on interest rates, refinancing benefits, and the steps you should take to ensure you're making the best financial decision for you and your family.Connect with Richard for more insights at www.amglending.comCompany Name: Alliance Mortgage GroupHost: Richard SareyPodcast Name: Helping Heroes Become Homeowners PodcastPodcast Description: Welcome to the "Helping Heroes Become Homeowners" podcast, where we unlock the secrets to homeownership for veterans and real estate professionals. Hosted by Richard Sarey, a mortgage industry veteran with over 25 years of experience, this podcast aims to simplify the often complex world of home loans, especially the VA home loan program.Podcast URL: www.helpingheroesbecomehomeownerspodcast.comSponsor Name: Alliance Mortgage GroupSponsor URL: https://alliancemtggroup.net/NMLS Numbers: Richard Sarey NMLS: 291309; Company NMLS: 292257Licensing Information: We've been helping customers afford the home of their dreams for many years, and we love what we do... NMLS Consumer Access | Equal Housing OpportunityContact Number: (214) 872-2188Social Media Links:Facebook: www.facebook.com/alliancemortgagegroupfriscotxLinkedIn: www.linkedin.com/in/richard-sarey-2abb918/YouTube: www.youtube.com/@richardsareyhomeloansHashtags:#HomeOwnership #FirstTimeHomeBuyer #ReverseMortgage #VeteranHomeLoans #RealEstateInvesting #MortgageTips #SeniorLiving #FinancialFreedom #RealEstateEducation #HomeEquity #RetirementPlanning #PropertyInvestment #BuyingAHome #SellingAHome #MortgageAdvisor #HomeLoanHelp #VAHomeLoan #AgingInPlace #InvestmentProperty #HomeFinancing #alliancemortgagegroup #richardsarey #helpingherosbecomehomeowners #helpinghereosbecomehomeownerspodcastDisclaimer: The information is intended to be viewed for informational purposes only. The content contained herein is not guaranteed or endorsed by the company, or any company mentioned, nor is this content meant to be an offer of credit. The information contained in this video may not be wholly or at all applicable to every situation or jurisdiction. You are strongly encouraged to consult your professional mortgage advisor before acting upon any information in this video. The information provided is for use as a training tool only. The information is not intended, nor should it be relied upon for any other purpose.

In this exciting episode of the Helping Heroes Become Homeowners Podcast, host Richard Sarey sits down with Ron Reed, Business Owner of The Credit Specialists, to explore the essential steps to boost your credit score and secure mortgage approval. Whether you’re a first-time homebuyer or a seasoned investor, understanding how your credit impacts your ability to obtain a mortgage is crucial.Ron shares invaluable insights into credit management, offering a detailed blueprint to help you navigate the often complex credit landscape. From dispelling common myths to providing actionable tips, this episode is packed with the knowledge you need to pave your way to homeownership.Connect with our Guest at: https://tcs720.com/Company Name: Alliance Mortgage GroupHost: Richard SareyPodcast Name: Helping Heroes Become Homeowners PodcastPodcast Description: Welcome to the "Helping Heroes Become Homeowners" podcast, where we unlock the secrets to homeownership for veterans and real estate professionals. Hosted by Richard Sarey, a mortgage industry veteran with over 25 years of experience, this podcast aims to simplify the often complex world of home loans, especially the VA home loan program.Podcast URL: helpingheroesbecomehomeownerspodcast.comSponsor Name: Alliance Mortgage GroupSponsor URL: https://alliancemtggroup.net/NMLS Numbers: Richard Sarey NMLS: 291309; Company NMLS: 292257Licensing Information: We've been helping customers afford the home of their dreams for many years, and we love what we do. NMLS Consumer Access | Equal Housing OpportunityContact Number: (214) 872-2188Social Media Links:Facebook: facebook.com/alliancemortgagegroupfriscotxLinkedIn: linkedin.com/in/richard-sarey-2abb918/YouTube: youtube.com/@richardsareyhomeloansHashtags: #HomeOwnership #CreditScore #MortgageApproval #FirstTimeHomeBuyer #RealEstateInvesting #MortgageTips #FinancialFreedom #HelpingHeroesBecomeHomeowners #alliancemortgagegroup #richardsareyDisclaimer: The information is intended to be viewed for informational purposes only. The content contained herein is not guaranteed or endorsed by the company, or any company mentioned, nor is this content meant to be an offer of credit. The information contained in this video may not be wholly or at all applicable to every situation or jurisdiction. You are strongly encouraged to consult your professional mortgage advisor before acting upon any information in this video. The information provided is for use as a training tool only. The information is not intended, nor should it be relied upon for any other purpose.

Join us for Episode 22 of the "Helping Heroes Become Homeowners Podcast," hosted by Richard Sarey. In this episode, we welcome two distinguished guests: Ryan Gibson, Loan Officer at Alliance Mortgage Group, and Billy Medlock, Broker/Owner at Crew Real Estate LLC.Ryan Gibson brings his expertise from Alliance Mortgage Group, sharing valuable insights into the current market trends. Billy Medlock from Crew Real Estate LLC dives into the advantages of affordable rural living for military families. This episode is packed with practical advice and professional perspectives that will benefit veterans and real estate professionals alike.Connect with our guests:Ryan Gibson: alliancemtggroup.net/about-us/ryan-gibsonBilly Medlock: facebook.com/p/Crew-Real-Estate-100084827779648/?paipv=0&eav=Afbn9DvbQHRr7V6JXkJRs_LjT4SclRjLh14YqlNuNcSLuS-A738wGvtfpdn3VlmkbrQ&_rdrPodcast Information:Company Name: Alliance Mortgage GroupHost: Richard SareyPodcast Name: Helping Heroes Become Homeowners PodcastPodcast Description: Welcome to the "Helping Heroes Become Homeowners" podcast, where we unlock the secrets to homeownership for veterans and real estate professionals. Hosted by Richard Sarey, a mortgage industry veteran with over 25 years of experience, this podcast aims to simplify the often complex world of home loans, especially the VA home loan program.Podcast URL: helpingheroesbecomehomeownerspodcast.comSponsor Name: Alliance Mortgage GroupSponsor URL: https://alliancemtggroup.net/NMLS Numbers: Richard Sarey NMLS: 291309; Company NMLS: 292257Licensing Information: We've been helping customers afford the home of their dreams for many years, and we love what we do... NMLS: 1423395 NMLS Consumer Access | Equal Housing OpportunityContact Number: (214) 872-2188Social Media Links:Facebook: facebook.com/alliancemortgagegroupfriscotxLinkedin: linkedin.com/in/richard-sarey-2abb918/YouTube Link: youtube.com/@richardsareyhomeloansHashtags:#HomeOwnership #FirstTimeHomeBuyer #ReverseMortgage #VeteranHomeLoans #RealEstateInvesting #MortgageTips #SeniorLiving #FinancialFreedom #RealEstateEducation #HomeEquity #RetirementPlanning #PropertyInvestment #BuyingAHome #SellingAHome #MortgageAdvisor #HomeLoanHelp #VAHomeLoan #AgingInPlace #InvestmentProperty #HomeFinancing #alliancemortgagegroup #richardsarey #helpingherosbecomehomeowners #helpinghereosbecomehomeownerspodcastDisclaimer: The information is intended to be viewed for informational purposes only. The content contained herein is not guaranteed or endorsed by the company, or any company mentioned, nor is this content meant to be an offer of credit. The information contained in this video may not be wholly or at all applicable to every situation or jurisdiction. You are strongly encouraged to consult your professional mortgage advisor before acting upon any information in this video. The information provided is for use as a training tool only. The information is not intended, nor should it be relied upon for any other purpose.

Helping Heroes Become Homeowners Podcast | Episode 21: "Common Misconceptions About The VA Home Loan Offer" with Ryan GibsonWelcome to Episode 21 of the "Helping Heroes Become Homeowners Podcast" where we demystify the VA home loan process with our guest, Ryan Gibson. Ryan, a seasoned Mortgage Broker at Alliance Mortgage Group, joins host Richard Sarey to tackle the most common myths and misconceptions surrounding VA home loans. In this episode, Ryan shares his expert insights and debunks the fears related to qualification difficulties, extensive paperwork, and the challenges of securing favorable rates. He's here to assure veterans that obtaining a VA home loan can be a smoother and more accessible journey than you might expect.Connect with our Guest at: https://www.ryangibsonmortgage.com/At the end of this enlightening episode, veterans and prospective homeowners will better understand the benefits and process of VA loans, empowering them with the knowledge to pursue their homeownership dreams confidently.Company Name: Alliance Mortgage GroupHost: Richard SareyPodcast Name: Helping Heroes Become Homeowners PodcastPodcast Description: Welcome to the "Helping Heroes Become Homeowners" podcast, where we unlock the secrets to homeownership for veterans and real estate professionals. Hosted by Richard Sarey, a mortgage industry veteran with over 25 years of experience, this podcast aims to simplify the often complex world of home loans, especially the VA home loan program.Podcast URL: https://www.helpingheroesbecomehomeownerspodcast.com/Sponsor Name: Alliance Mortgage GroupSponsor URL: https://alliancemtggroup.net/NMLS Numbers: Richard Sarey NMLS: 291309; Company NMLS: 292257Licensing Information: NMLS Consumer Access | Equal Housing OpportunityContact Number: (214) 872-2188Social Media Links: Facebook, LinkedInYouTube Link: https://www.youtube.com/@richardsareyhomeloansHashtags: #HomeOwnership #VeteranHomeLoans #MortgageTips #VAHomeLoan #RealEstateEducation #helpingherosbecomehomeowners #helpinghereosbecomehomeownerspodcastDisclaimer: The information is intended to be viewed for informational purposes only. The content contained herein is not guaranteed or endorsed by the company, or any company mentioned, nor is this content meant to be an offer of credit. The information contained in this video may not be wholly or at all applicable to every situation or jurisdiction. You are strongly encouraged to consult your professional mortgage advisor before acting upon any information in this video. The information provided is for use as a training tool only. The information is not intended, nor should it be relied upon for any other purpose.

Episode 20: The Impact of NAR's Latest Ruling on VA & First-Time Homebuyers in a Surging MarketIn this compelling new episode of the Helping Heroes Become Homeowners Podcast, we dive deep into the recent National Association of Realtors (NAR) rulings and their profound impact on VA and first-time homebuyers. Joining us is Charles Vamadeva, a distinguished Founder & Broker at Patriot Pacific Financial Corp, who brings over two decades of mortgage lending expertise and an unwavering dedication to homeownership.Charles's journey in the mortgage industry is nothing short of inspiring. His relentless commitment to facilitating homeownership, combating obstacles like bad credit habits, past mistakes, and restrictive underwriting guidelines, makes him a beacon of hope in the complex world of real estate financing. With an approach that emphasizes hard work, integrity, and unmatched skill, Charles has become the go-to lender for many, especially our valued military buyers.In this episode, The Impact of NAR's Latest Ruling on VA & First-Time Homebuyers in a Surging Market, we explore how these rulings affect the buying power and opportunities for veterans and first-time buyers in today's market. Charles's insights and experiences promise to enlighten and empower our listeners, guiding them through the intricacies of homeownership.Connect with our Guest at https://charlesvamadeva.com/ and witness firsthand the testimonials of those he's helped achieve their homeownership dreams.Company Name: Alliance Mortgage GroupHost: Richard SareyPodcast Name: Helping Heroes Become Homeowners PodcastPodcast Description: Welcome to the "Helping Heroes Become Homeowners" podcast, where we unlock the secrets to homeownership for veterans and real estate professionals. Hosted by Richard Sarey, a mortgage industry veteran with over 25 years of experience, this podcast aims to simplify the often complex world of home loans, especially the VA home loan program.Podcast URL: https://www.helpingheroesbecomehomeownerspodcast.com/Sponsor Name: Alliance Mortgage GroupSponsor URL: https://alliancemtggroup.net/NMLS Numbers: Richard Sarey NMLS: 291309; Company NMLS: 292257Licensing Information: NMLS Consumer Access | Equal Housing OpportunityContact Number: (214) 872-2188Social Media Links: Facebook, LinkedInYouTube Link: https://www.youtube.com/@richardsareyhomeloansHashtags: #HomeOwnership #FirstTimeHomeBuyer #ReverseMortgage #VeteranHomeLoans #RealEstateInvesting #MortgageTips #SeniorLiving #FinancialFreedom #RealEstateEducation #HomeEquity #RetirementPlanning #PropertyInvestment #BuyingAHome #SellingAHome #MortgageAdvisor #HomeLoanHelp #VAHomeLoan #AgingInPlace #InvestmentProperty #HomeFinancing #alliancemortgagegroup #richardsarey #helpingherosbecomehomeowners #helpinghereosbecomehomeownerspodcastDisclaimer: The information is intended to be viewed for informational purposes only. The content contained herein is not guaranteed or endorsed by the company or any company mentioned, nor is this content meant to be an offer of credit. The information contained in this video may not be wholly or at all applicable to every situation or jurisdiction. You are strongly encouraged to consult your professional mortgage advisor before acting upon any information in this video. The information provided is for use as a training tool only. The information is not intended, nor should it be relied upon for any other purpose.

Welcome to Episode 19 of "Helping Heroes Become Homeowners," the podcast where we turn dreams of homeownership into reality, especially for our community's heroes. Hosted by the ever-insightful Richard Sarey, this week's episode takes a deep dive into the lucrative world of real estate. 🏡💼 Whether you're a seasoned investor or just getting your feet wet, Richard's insights and expert advice will open doors to new opportunities and perspectives on building wealth.In today's episode, titled "How To Build Wealth Through Real Estate," we're not just talking about buying your first home. We're exploring how strategic investments in real estate can serve as a powerful tool for wealth accumulation over time. 🚀💰 Richard will walk you through the essentials of real estate investment, from identifying promising properties to understanding the market dynamics that influence property values. Plus, you'll hear firsthand stories of individuals who've successfully built their wealth through savvy real estate moves.But that's not all! Richard also breaks down the common pitfalls and challenges that come with real estate investment, offering practical solutions and tips to navigate these hurdles. Whether it's securing financing, managing properties, or making informed decisions based on market trends, this episode is packed with valuable insights to help you build a solid real estate portfolio. 📈🔑So, tune in to "Helping Heroes Become Homeowners" and let Richard Sarey guide you on your journey to financial freedom through real estate. This is more than just a podcast; it's a roadmap to building lasting wealth and achieving your homeownership dreams. Don't miss out on this transformative episode! 🌟🏠Useful Link for Lenders To Bookmark:https://www.benefits.va.gov/warms/pam26_7.asphttps://www.benefits.va.gov/homeloans/lenders.asphttps://yourit.va.gov/csmhttps://www.benefits.va.gov/homeloans/index.asphttps://www.benefits.va.gov/HOMELOANS/resources_circulars.aspPrivate roads: Maintenance agreements or documentation from HOA no longer required: Change from last November that people are still not aware of:https://www.benefits.va.gov/HOMELOANS/documents/circulars/26-22-17.pdfOur mission echoes through each episode - to educate and shed light on the unparalleled opportunities the VA home loan program offers.About the Host:Richard Sarey is more than just a mortgage maven; he's a family man, a venerated community leader, and a teacher at heart. Residing in Frisco, Texas, with his high school sweetheart, Beth, and their two college-aged sons, Richard's essence is deeply rooted in his community. His active involvement at St. Philip's Episcopal Church and his love for competitive sports are testaments to his well-rounded persona.Connect with Us:For all your purchase or refinancing needs, venture over to http://www.AllianceMortgageGroup.netNMLS#291309 #292257http://www.nmlsconsumeraccess.orgDisclaimer:This episode is for training purposes only. For more detailed information and personalized guidance, it's imperative to consult with your mortgage lender and adhere to the respective VA guidelines.Subscribe for more videos link this:https://www.youtube.com/channel/UCt0sK8jaqvrj4gTFMa6J3Sw?sub_confirmation=1 #RealEstateInvesting #WealthBuilding #FinancialFreedom #PropertyPortfolio 

🎙️ Calling all heroes on the path to homeownership! Join host Richard Sarey and guest expert Jason Binyon, Insurance Agent at Binyon Insurance Agency, in Episode 18 of "Helping Heroes Become Homeowners."In this episode, "Welcome Home: Essential Tips for Veterans & First-Time Home Buyers," we're on a mission to empower our brave veterans and enthusiastic first-time buyers with the knowledge they need to make their home dreams a reality.From understanding the unique benefits of VA loans to demystifying insurance essentials, we've got the insider tips and expert insights to guide you every step of the way. Get ready for a dynamic conversation packed with practical advice, inspiring stories, and actionable strategies that will set you on the path to homeownership success.Whether you've served your country or you're stepping into the real estate market for the first time, this episode is your roadmap to achieving your homeownership goals. So, tune in, buckle up, and let's make those home dreams come true! 🏡🌟Useful Link for Lenders To Bookmark:https://www.benefits.va.gov/warms/pam26_7.asphttps://www.benefits.va.gov/homeloans/lenders.asphttps://yourit.va.gov/csmhttps://www.benefits.va.gov/homeloans/index.asphttps://www.benefits.va.gov/HOMELOANS/resources_circulars.aspPrivate roads: Maintenance agreements or documentation from HOA no longer required: Change from last November that people are still not aware of:https://www.benefits.va.gov/HOMELOANS/documents/circulars/26-22-17.pdfOur mission echoes through each episode - to educate and shed light on the unparalleled opportunities the VA home loan program offers.About the Host:Richard Sarey is more than just a mortgage maven; he's a family man, a venerated community leader, and a teacher at heart. Residing in Frisco, Texas, with his high school sweetheart, Beth, and their two college-aged sons, Richard's essence is deeply rooted in his community. His active involvement at St. Philip's Episcopal Church and his love for competitive sports are testaments to his well-rounded persona.Connect with Us:For all your purchase or refinancing needs, venture over to http://www.AllianceMortgageGroup.netNMLS#291309 #292257http://www.nmlsconsumeraccess.orgDisclaimer:This episode is for training purposes only. For more detailed information and personalized guidance, it's imperative to consult with your mortgage lender and adhere to the respective VA guidelines.Subscribe for more videos link this:https://www.youtube.com/channel/UCt0sK8jaqvrj4gTFMa6J3Sw?sub_confirmation=1#valoans #homeloan #homeownership #mortgage #veteranbenefits #veterans

Welcome to "Helping Heroes Become Homeowners," the podcast dedicated to empowering our heroes with the tools and knowledge they need to achieve homeownership. In Episode 17, your host Richard Sarey sits down with JR Foreman, Founder and Senior Wealth Manager at Featured Wealth Management.Hailing from the picturesque landscapes of Casper, Wyoming, JR Foreman's journey to success is nothing short of inspiring. A former standout athlete, JR excelled both on and off the field during his time at Dickinson State University in North Dakota, where he earned his bachelor's degree in business. As captain of the university's football team, JR garnered accolades as an All-Conference and All-American offensive lineman, ultimately earning a well-deserved place in the University Athletic Hall of Fame in 2014.Today, JR's passion for serving others extends beyond the gridiron. As the founder of Featured Wealth Management, an independent wealth management practice based in McKinney, Texas, JR leverages his expertise to guide clients toward financial success. Moreover, JR remains deeply committed to his community, actively engaging in educational initiatives and philanthropic endeavors.Join Richard Sarey as he delves into JR Foreman's remarkable journey, exploring the intersection of athleticism, entrepreneurship, and community leadership. Tune in to gain invaluable insights and discover how JR's experiences can empower you on your path to homeownership and financial well-being.Useful Link for Lenders To Bookmark:https://www.benefits.va.gov/warms/pam26_7.asphttps://www.benefits.va.gov/homeloans/lenders.asphttps://yourit.va.gov/csmhttps://www.benefits.va.gov/homeloans/index.asphttps://www.benefits.va.gov/HOMELOANS/resources_circulars.aspPrivate roads: Maintenance agreements or documentation from HOA no longer required: Change from last November that people are still not aware of:https://www.benefits.va.gov/HOMELOANS/documents/circulars/26-22-17.pdfOur mission echoes through each episode - to educate and shed light on the unparalleled opportunities the VA home loan program offers.About the Host:Richard Sarey is more than just a mortgage maven; he's a family man, a venerated community leader, and a teacher at heart. Residing in Frisco, Texas, with his high school sweetheart, Beth, and their two college-aged sons, Richard's essence is deeply rooted in his community. His active involvement at St. Philip's Episcopal Church and his love for competitive sports are testaments to his well-rounded persona.Connect with Us:For all your purchase or refinancing needs, venture over to http://www.AllianceMortgageGroup.netNMLS#291309 #292257http://www.nmlsconsumeraccess.orgDisclaimer:This episode is for training purposes only. For more detailed information and personalized guidance, it's imperative to consult with your mortgage lender and adhere to the respective VA guidelines.Subscribe for more videos link this:https://www.youtube.com/channel/UCt0sK8jaqvrj4gTFMa6J3Sw?sub_confirmation=1#valoans #homeloan #homeownership #mortgage #veteranbenefits #veterans

Welcome to another inspiring episode of "Helping Heroes Become Homeowners," the podcast that empowers our everyday heroes on their journey to homeownership. I'm your host, Richard Sarey, and today, we have a special guest who brings 15 years of invaluable experience in the mortgage industry to our conversation.Joining us is the dedicated and passionate real estate agent, Michelle Garfield, from Genesis Realty Group. Michelle is not just a realtor; she's a trusted partner committed to helping you achieve your home-buying or selling goals. In this episode, we delve into Michelle's wealth of knowledge and expertise, exploring her proactive and results-driven approach to real estate.Discover the importance of Michelle's local expertise in the DFW area, as she shares insights into market conditions, schools, amenities, and more. Learn how she stays ahead in today's dynamic real estate market by staying up-to-date with the latest industry trends and utilizing cutting-edge technology. Don't miss this opportunity to gain valuable insights into the world of real estate with Michelle Garfield on Episode 16 of "Helping Heroes Become Homeowners." Whether you're a hero in uniform or simply someone dreaming of your own place to call home, this episode is packed with tips and guidance to make your homeownership journey a success. Tune in now! Useful Link for Lenders To Bookmark:https://www.benefits.va.gov/warms/pam26_7.asphttps://www.benefits.va.gov/homeloans/lenders.asphttps://yourit.va.gov/csmhttps://www.benefits.va.gov/homeloans/index.asphttps://www.benefits.va.gov/HOMELOANS/resources_circulars.aspPrivate roads: Maintenance agreements or documentation from HOA no longer required: Change from last November that people are still not aware of:https://www.benefits.va.gov/HOMELOANS/documents/circulars/26-22-17.pdfOur mission echoes through each episode - to educate and shed light on the unparalleled opportunities the VA home loan program offers.About the Host:Richard Sarey is more than just a mortgage maven; he's a family man, a venerated community leader, and a teacher at heart. Residing in Frisco, Texas, with his high school sweetheart, Beth, and their two college-aged sons, Richard's essence is deeply rooted in his community. His active involvement at St. Philip's Episcopal Church and his love for competitive sports are testaments to his well-rounded persona.Connect with Us:For all your purchase or refinancing needs, venture over to http://www.AllianceMortgageGroup.netNMLS#291309 #292257http://www.nmlsconsumeraccess.orgDisclaimer:This episode is for training purposes only. For more detailed information and personalized guidance, it's imperative to consult with your mortgage lender and adhere to the respective VA guidelines.Subscribe for more videos link this:https://www.youtube.com/channel/UCt0sK8jaqvrj4gTFMa6J3Sw?sub_confirmation=1#valoans #homeloan #homeownership #mortgage #veteranbenefits #veterans

Welcome to Episode 15 of "Helping Heroes Become Homeowners" with your host Richard Sarey. In this insightful episode, Richard sits down with special guest Jason Binyon, a seasoned Farmers Insurance Agent. Together, they dive into the intricate world of homeowners insurance, offering invaluable insights and expert advice.Navigating the complexities of homeowners insurance can be a daunting task, but fear not – Richard and Jason break it down for you. From understanding policy options to demystifying coverage types, they provide a comprehensive guide to help you protect your most significant investment – your home.Whether you're a first-time homebuyer or a seasoned homeowner looking to optimize your coverage, this episode is a must-listen. Gain confidence in your insurance decisions and learn how to safeguard your home against unexpected challenges.Useful Link for Lenders To Bookmark:https://www.benefits.va.gov/warms/pam26_7.asphttps://www.benefits.va.gov/homeloans/lenders.asphttps://yourit.va.gov/csmhttps://www.benefits.va.gov/homeloans/index.asphttps://www.benefits.va.gov/HOMELOANS/resources_circulars.aspPrivate roads: Maintenance agreements or documentation from HOA no longer required: Change from last November that people are still not aware of:https://www.benefits.va.gov/HOMELOANS/documents/circulars/26-22-17.pdfOur mission echoes through each episode - to educate and shed light on the unparalleled opportunities the VA home loan program offers.About the Host:Richard Sarey is more than just a mortgage maven; he's a family man, a venerated community leader, and a teacher at heart. Residing in Frisco, Texas, with his high school sweetheart, Beth, and their two college-aged sons, Richard's essence is deeply rooted in his community. His active involvement at St. Philip's Episcopal Church and his love for competitive sports are testaments to his well-rounded persona.Connect with Us:For all your purchase or refinancing needs, venture over to http://www.AllianceMortgageGroup.netNMLS#291309 #292257http://www.nmlsconsumeraccess.orgDisclaimer:This episode is for training purposes only. For more detailed information and personalized guidance, it's imperative to consult with your mortgage lender and adhere to the respective VA guidelines.Subscribe for more videos link this:https://www.youtube.com/channel/UCt0sK8jaqvrj4gTFMa6J3Sw?sub_confirmation=1#valoans #homeloan #homeownership #mortgage #veteranbenefits #veterans

Welcome to "Helping Heroes Become Homeowners," the podcast that empowers our everyday heroes to navigate the journey of homeownership. I'm your host, Richard Sarey, and in Episode 14, we're diving deep into a crucial decision many prospective homeowners face: "Decoding the Dilemma - Purchase or Refinance for Your Home Sweet Home?"Join me as I unravel the complexities of this decision, providing insights, expert advice, and real-life stories to guide you through the process. Whether you're a first-time homebuyer, a seasoned homeowner, or someone considering refinancing, this episode is packed with valuable information to help you make informed choices.We'll explore the benefits and considerations of both purchasing a new home and refinancing your existing one, shedding light on the nuances that could significantly impact your financial future. From interest rates and market trends to personal financial goals, we'll cover it all.Useful Link for Lenders To Bookmark:https://www.benefits.va.gov/warms/pam26_7.asphttps://www.benefits.va.gov/homeloans/lenders.asphttps://yourit.va.gov/csmhttps://www.benefits.va.gov/homeloans/index.asphttps://www.benefits.va.gov/HOMELOANS/resources_circulars.aspPrivate roads: Maintenance agreements or documentation from HOA no longer required: Change from last November that people are still not aware of:https://www.benefits.va.gov/HOMELOANS/documents/circulars/26-22-17.pdfOur mission echoes through each episode - to educate and shed light on the unparalleled opportunities the VA home loan program offers.About the Host:Richard Sarey is more than just a mortgage maven; he's a family man, a venerated community leader, and a teacher at heart. Residing in Frisco, Texas, with his high school sweetheart, Beth, and their two college-aged sons, Richard's essence is deeply rooted in his community. His active involvement at St. Philip's Episcopal Church and his love for competitive sports are testaments to his well-rounded persona.Connect with Us:For all your purchase or refinancing needs, venture over to http://www.AllianceMortgageGroup.netNMLS#291309 #292257http://www.nmlsconsumeraccess.orgDisclaimer:This episode is for training purposes only. For more detailed information and personalized guidance, it's imperative to consult with your mortgage lender and adhere to the respective VA guidelines.Subscribe for more videos link this:https://www.youtube.com/channel/UCt0sK8jaqvrj4gTFMa6J3Sw?sub_confirmation=1#valoans #homeloan #homeownership #mortgage #veteranbenefits #veterans

Welcome to the 13th episode of the Helping Heroes Become Homeowners podcast! Your go-to destination for all things related to VA Home Loans! Whether you're a military service member, veteran, or simply interested in the ins and outs of VA Home Loans, we've got you covered.In this episode, your host Richard Sarey, welcomes the husband-and-wife team of Robert and Stephanie Irvin, realtors at The Irvin Team at KW Central. With over 25 years of combined experience in the real estate industry,  Robert and Stephanie delve into the art of seamlessly guiding clients through the intricacies of buying and selling homes. As proud Keller Williams associates, they unveil the cutting-edge technology and nationwide network that sets them apart.Beyond the property transactions, discover the heart and soul of Robert and Stephanie – from their diverse backgrounds to community leadership and the joy they find in food, music, and travel. Join them for an engaging exploration of real estate, friendship, and the path to your next chapter.Useful Link for Lenders To Bookmark:https://www.benefits.va.gov/warms/pam26_7.asphttps://www.benefits.va.gov/homeloans/lenders.asphttps://yourit.va.gov/csmhttps://www.benefits.va.gov/homeloans/index.asphttps://www.benefits.va.gov/HOMELOANS/resources_circulars.aspPrivate roads: Maintenance agreements or documentation from HOA no longer required: Change from last November that people are still not aware of:https://www.benefits.va.gov/HOMELOANS/documents/circulars/26-22-17.pdfOur mission echoes through each episode - to educate and shed light on the unparalleled opportunities the VA home loan program offers.About the Host:Richard Sarey is more than just a mortgage maven; he's a family man, a venerated community leader, and a teacher at heart. Residing in Frisco, Texas, with his high school sweetheart, Beth, and their two college-aged sons, Richard's essence is deeply rooted in his community. His active involvement at St. Philip's Episcopal Church and his love for competitive sports are testaments to his well-rounded persona.Connect with Us:For all your purchase or refinancing needs, venture over to http://www.AllianceMortgageGroup.netNMLS#291309 #292257http://www.nmlsconsumeraccess.orgDisclaimer:This episode is for training purposes only. For more detailed information and personalized guidance, it's imperative to consult with your mortgage lender and adhere to the respective VA guidelines.Subscribe for more videos link this:https://www.youtube.com/channel/UCt0sK8jaqvrj4gTFMa6J3Sw?sub_confirmation=1#valoans #homeloan #homeownership #mortgage #veteranbenefits #veterans

Welcome to the 12th episode of the Helping Heroes Become Homeowners podcast! Your go-to destination for all things related to VA Home Loans! Whether you're a military service member, veteran, or simply interested in the ins and outs of VA Home Loans, we've got you covered.In this episode, your host Richard Sarey, welcomes Troy Sage, a real estate expert at Competitive Edge Realty, to share his insights, expertise, and the latest trends in the ever-evolving real estate landscape.With a philosophy centered on service and staying attuned to market dynamics, Troy has become a trusted Real Estate Insider. His commitment to being of service has transcended geographical boundaries, allowing him to assist sellers and buyers across the country. Useful Link for Lenders To Bookmark:https://www.benefits.va.gov/warms/pam26_7.asphttps://www.benefits.va.gov/homeloans/lenders.asphttps://yourit.va.gov/csmhttps://www.benefits.va.gov/homeloans/index.asphttps://www.benefits.va.gov/HOMELOANS/resources_circulars.aspPrivate roads: Maintenance agreements or documentation from HOA no longer required: Change from last November that people are still not aware of:https://www.benefits.va.gov/HOMELOANS/documents/circulars/26-22-17.pdfOur mission echoes through each episode - to educate and shed light on the unparalleled opportunities the VA home loan program offers.About the Host:Richard Sarey is more than just a mortgage maven; he's a family man, a venerated community leader, and a teacher at heart. Residing in Frisco, Texas, with his high school sweetheart, Beth, and their two college-aged sons, Richard's essence is deeply rooted in his community. His active involvement at St. Philip's Episcopal Church and his love for competitive sports are testaments to his well-rounded persona.Connect with Us:For all your purchase or refinancing needs, venture over to http://www.AllianceMortgageGroup.netNMLS#291309 #292257http://www.nmlsconsumeraccess.orgDisclaimer:This episode is for training purposes only. For more detailed information and personalized guidance, it's imperative to consult with your mortgage lender and adhere to the respective VA guidelines.Subscribe for more videos link this:https://www.youtube.com/channel/UCt0sK8jaqvrj4gTFMa6J3Sw?sub_confirmation=1#valoans #homeloan #homeownership #mortgage #veteranbenefits #veterans

Welcome to the 11th episode of the Helping Heroes Become Homeowners podcast! Your go-to destination for all things related to VA Home Loans! Whether you're a military service member, veteran, or simply interested in the ins and outs of VA Home Loans, we've got you covered.In this episode, your very own host delves into the nuances of VA Home Loans, providing valuable insights, tips, and expert advice to help you navigate the home buying process with confidence. From understanding eligibility criteria to maximizing your benefits, this discussion cover it all.Useful Link for Lenders To Bookmark:https://www.benefits.va.gov/warms/pam26_7.asphttps://www.benefits.va.gov/homeloans/lenders.asphttps://yourit.va.gov/csmhttps://www.benefits.va.gov/homeloans/index.asphttps://www.benefits.va.gov/HOMELOANS/resources_circulars.aspPrivate roads: Maintenance agreements or documentation from HOA no longer required: Change from last November that people are still not aware of:https://www.benefits.va.gov/HOMELOANS/documents/circulars/26-22-17.pdfOur mission echoes through each episode - to educate and shed light on the unparalleled opportunities the VA home loan program offers.About the Host:Richard Sarey is more than just a mortgage maven; he's a family man, a venerated community leader, and a teacher at heart. Residing in Frisco, Texas, with his high school sweetheart, Beth, and their two college-aged sons, Richard's essence is deeply rooted in his community. His active involvement at St. Philip's Episcopal Church and his love for competitive sports are testaments to his well-rounded persona.Connect with Us:For all your purchase or refinancing needs, venture over to http://www.AllianceMortgageGroup.netNMLS#291309 #292257http://www.nmlsconsumeraccess.orgDisclaimer:This episode is for training purposes only. For more detailed information and personalized guidance, it's imperative to consult with your mortgage lender and adhere to the respective VA guidelines.Subscribe for more videos link this:https://www.youtube.com/channel/UCt0sK8jaqvrj4gTFMa6J3Sw?sub_confirmation=1#valoans #homeloan #homeownership #mortgage #veteranbenefits #veterans

Welcome to another enlightening episode of the "Helping Heroes Become Homeowners" podcast, your trusted companion on the journey to unlocking homeownership secrets for veterans and real estate professionals. Our seasoned host, Richard Sarey, with over 25 years of mortgage industry expertise, sits down with Trey Van de Bogart, Vice President of TPO GO, as they delve into the core principles and exceptional services that make TPO GO the preferred choice for mortgage brokers and borrowers alike.Useful Link for Lenders To Bookmark:https://www.benefits.va.gov/warms/pam26_7.asphttps://www.benefits.va.gov/homeloans/lenders.asphttps://yourit.va.gov/csmhttps://www.benefits.va.gov/homeloans/index.asphttps://www.benefits.va.gov/HOMELOANS/resources_circulars.aspPrivate roads: Maintenance agreements or documentation from HOA no longer required: Change from last November that people are still not aware of:https://www.benefits.va.gov/HOMELOANS/documents/circulars/26-22-17.pdfOur mission echoes through each episode - to educate and shed light on the unparalleled opportunities the VA home loan program offers.About the Host:Richard Sarey is more than just a mortgage maven; he's a family man, a venerated community leader, and a teacher at heart. Residing in Frisco, Texas, with his high school sweetheart, Beth, and their two college-aged sons, Richard's essence is deeply rooted in his community. His active involvement at St. Philip's Episcopal Church and his love for competitive sports are testaments to his well-rounded persona.Connect with Us:For all your purchase or refinancing needs, venture over to http://www.AllianceMortgageGroup.netNMLS#291309 #292257http://www.nmlsconsumeraccess.orgDisclaimer:This episode is for training purposes only. For more detailed information and personalized guidance, it's imperative to consult with your mortgage lender and adhere to the respective VA guidelines.Subscribe for more videos link this:https://www.youtube.com/channel/UCt0sK8jaqvrj4gTFMa6J3Sw?sub_confirmation=1#valoans #homeloan #homeownership #mortgage #veteranbenefits #veterans

Welcome to another enlightening episode of the "Helping Heroes Become Homeowners" podcast, your trusted companion on the journey to unlocking homeownership secrets for veterans and real estate professionals. Our seasoned host, Richard Sarey, with over 25 years of mortgage industry expertise, sits down with Jami Kennedy, an adept VA Underwriter, for a deep dive into the underwriting sphere of VA home loans.Jami meticulously unveils critical aspects such as income assessment, qualification criteria, and the extensive benefits associated with VA Home Loans. This episode is tailored to provide a clearer understanding of what underwriting entails for those on the cusp of applying for a VA home loan or just gathering information. Her insights are a treasure trove of knowledge, intending to equip our heroic veterans and diligent real estate professionals on their path to homeownership.Useful Link for Lenders To Bookmark:https://www.benefits.va.gov/warms/pam26_7.asphttps://www.benefits.va.gov/homeloans/lenders.asphttps://yourit.va.gov/csmhttps://www.benefits.va.gov/homeloans/index.asphttps://www.benefits.va.gov/HOMELOANS/resources_circulars.aspPrivate roads: Maintenance agreements or documentation from HOA no longer required: Change from last November that people are still not aware of:https://www.benefits.va.gov/HOMELOANS/documents/circulars/26-22-17.pdfOur mission echoes through each episode - to educate and shed light on the unparalleled opportunities the VA home loan program offers. As we navigate through the underwriting intricacies with Jami, we inch closer to empowering you to make informed decisions, thereby nurturing wealth creation through homeownership.About the Host:Richard Sarey is more than just a mortgage maven; he's a family man, a venerated community leader, and a teacher at heart. Residing in Frisco, Texas, with his high school sweetheart, Beth, and their two college-aged sons, Richard's essence is deeply rooted in his community. His active involvement at St. Philip's Episcopal Church and love for competitive sports are testaments to his well-rounded persona.Connect with Us:For all your purchase or refinancing needs, venture over to http://www.AllianceMortgageGroup.netNMLS#291309 #292257http://www.nmlsconsumeraccess.orgDisclaimer:This episode is for training purposes only. For more detailed information and personalized guidance, it's imperative to consult with your VA underwriter and adhere to the respective VA guidelines.Subscribe for more videos link this:https://www.youtube.com/channel/UCt0sK8jaqvrj4gTFMa6J3Sw?sub_confirmation=1#valoans #homeloan #homeownership #mortgage #veteranbenefits #veterans

Unlock the secrets to homeownership with VA loans! Join Richard and Donna in this engaging podcast episode, where you'll discover how to secure the best deal, qualify for loans, and navigate the real estate market. Get ready for expert insights, insider tips, and a clear path to your dream home.  Donna spent nearly three decades specializing in Dallas real estate and cultivating meaningful relationships with her clients. She is a relocation specialist and values being a trusted partner for her clients during their transitions. Her family is very active in dog rescue; they get so much joy from connecting lost or abandoned dogs with their owners and new homes. Don't miss out – tune in now! [00:01 - 14:41] VA Home Loan Benefits, Misconceptions, and Negotiating Tactics Prices near list price, open houses less fruitful Competitive rates, fewer multiple offers, agent trends vary VA loans offer 100% financing, consider credit, income, and assets, allow immediate refinancing, and meet industry standards. Disclosing down payment funds is often unnecessary with VA loans, and home inspections are crucial [14:42 - 21:44] Don't Get Down - Explore Your Options for Home Buying Seller concessions are increasingly common in specific areas Homes within the price range of 3.5 to 5 million are typically easier to sell To navigate home buying effectively, initiate by consulting a lender, exploring various programs Understanding market dynamics related to home sales and rentals [21:45 - 27:16] Reaching Out to a Lender Brokers offer diverse options and expertise for clients Loan programs include bank statement, debt service ratio, and land loans Qualification factors: down payment, credit score, and appraisal-based gross rents. Connect with Donna Direct: (972) 898-3424 Email: Magrodon@airmail.net Quote: "The first step to homeownership is talking to a lender. It's the foundation of your journey." - Donna Magro Have you got questions? Please email me at rsarey@alliancemtggroup.net or visit www.alliancemtggroup.net. 

Are you a service member dreaming of owning your own home?  We're delving deep into the world of VA home loans, your key to unlocking the doors of homeownership. Join us as we explore what a VA home loan is, who qualifies for this fantastic opportunity, and the substantial savings it can bring your way. We'll guide you through the Certificate of Eligibility process, demystify the appraisal process, and unveil cash-out options that extend beyond the Lone Star State. Stick around to discover the credit score requirements, uncover property tax exemptions specific to Texas, and gain valuable insights for selecting the right loan officer. Plus, we'll be addressing some burning questions from our listeners and encourage you to share your thoughts with us through reviews.  As we wrap up, remember this: with the right knowledge and preparation, your homeownership dreams can become a reality. Tune in now to get the lowdown on all things VA home loans! [00:00 - 04:00] How VA Home Loans Can Help Service Members Achieve Home Ownership Maximum VA loan amount is determined by lender and entitlement A down payment may be required depending on the remaining entitlement A VA home loan can be used to purchase a primary residence or second/investment property Funding fee ranges from 2.1% to 1.25%, disabled veterans are exempt [04:01 - 08:07] Understanding the VA Loan Certificate of Eligibility and Refinancing Options VA loan funding fee can be paid in full by seller concession The VA appraisal process requires a certificate of eligibility to be obtained VA loans can be used to refinance an existing mortgage with two types of cash out options (outside Texas) Credit score requirements vary depending on lender overlays and manual underwrite Certificate of Eligibility is required for a VA loan and can be obtained electronically by the lender [08:08 - 12:34] VA Home Loans: Everything You Need to Know About Obtaining and Using Them VA home loans can be used for new construction or renovation of an existing property Approval process typically takes 24 to 48 hours, or up to 5 days if manual underwriting is needed Choose a loan officer with experience in VA home loans - let the loan officer know if you have a disability rating Reach out if you have any more questions! Quote: “Your certificate of eligibility is the golden ticket. Without that you wouldn't qualify for a VA home loan." - Richard Sarey Have you got questions? Please email me at rsarey@alliancemtggroup.net or visit www.alliancemtggroup.net. 

Are you a veteran with a mortgage? Have you been making payments on time for the last 12 months? If so, you may qualify to refinance your VA loan and enjoy the many benefits this can offer!  In this episode, Richard discusses the ins and outs of refinancing a VA loan, from the eligibility requirements to the potential savings you could enjoy. He explores how you can reduce your interest rate, lower your payments, and potentially save money each month. Richard also explains why veterans have already qualified for their VA loan when they bought their home, so there's no need to requalify. Plus, he discusses how appraisals are unnecessary for VA Streamline loans and how the process is fast and straightforward.  Join us as Richard covers all things related to refinancing your VA loan! [00:00 - 04:06] Refinancing Your VA Mortgage: What You Need to Know to Qualify VA Streamline/VA IRRRL refinancing is available for veterans who have had their mortgage for at least six months and made payments on time There must be a minimum of 0.5% reduction in interest rate to qualify Closing costs must be recouped within 36 months If the payment amount increases, no closing costs can be charged (excluding prepaid, taxes & insurance, and VA funding fee) [04:07 - 07:31] The Benefits of VA Refinancing VA Streamline Refinance allows veterans to lower their mortgage rates and payments The savings from lower payments can be used to pay off debt faster or put into savings Escrow accounts will be set up accordingly based on the first payment Credit score and mortgage history determine qualification [07:32 - 09:21] The Best Time of the Year to Refinance Your escrow for taxes is lightest during the first quarter of the year Quote: As a veteran, you've already qualified for the loan when you bought the house. All that we're going to look for is that you've made the payments on time for the last 12 months." - Richard Sarey Have you got questions? Please email me at rsarey@alliancemtggroup.net or visit www.alliancemtggroup.net. 

Do you need help with the process of what each entity does in a VA home loan?  This episode focuses on the VA loan application process and the additional information that may be required. Learn how to gather and provide complete details, submit all conditions left in underwriting, and prepare the closing disclosure. Become a homeowner with your VA home loan entitlement! [00:00 - 01:28] Opening Segment [03:57 - 08:42] Finding the Right Loan Officer and Realtor for Your VA Home Loan VA loan application process is similar to other loan types A letter of explanation may be needed for the manual underwriting process Interview loan officers and do due diligence to find one with VA experience Lock rate, get disclosed, and put documents together Get a certificate of eligibility from the VA portal or Regional Loan Center Wait for underwriting approval (24-48 hours) [08:43 - 14:49] Tips for a Smooth Loan Process and What to Expect from Your Lender VA guarantees the loan, but the lender funds it First payments are usually due 30-45 days after closing Loan processes nowadays are automated and paperless A loan officer should be available to help speed up the process Once conditions are signed off, we can get the file ready for closing and prepare the closing disclosure After signing the documents, you will get a funding authorization and become a homeowner [14:48 - 16:04] Closing Segment Quotes: "At the end of the day, you will be a homeowner using your VA home loan benefit, getting the best terms that you possibly can get on that loan versus taking any other type of loan." - Richard Sarey "Do your due diligence on your loan officer. Find one that has some VA experience and not just a little bit; someone who's been doing it for a very long time." - Richard Sarey Have you got questions? Please email me at rsarey@alliancemtggroup.net or visit www.alliancemtggroup.net. 

Do you want to know the golden ticket for veterans dreaming of homeownership? Dive deep into the unbeatable benefits of VA loans! In this episode, Richard discusses the advantages of VA home loans. He'll talk about the lower interest rate than conventional loans, no down payment requirement, and higher approval rate than other loans. Richard will also cover the ability to buy a property with no money down and refinance without having to qualify again. Plus, he'll review the median FICO score for a borrower, average loan amount, and more.  Tune in now for everything you need to know about VA home loans! [00:01 - 04:31] VA Loans: A Powerful Tool for Veterans with Lower Interest Rates and Higher Approval Rates Richard shares the pros of VA loans VA loans have lower interest rates than conventional loans VA loans have a higher approval rate than conventional loans VA loans have a zero down payment feature No private mortgage insurance is required on VA loans [04:32 - 11:04] Put Nothing Down and Build Wealth with Real Estate VA home loan allows you to buy a property with no money down After 12 months, you can refinance the home into a conventional loan and restore entitlement to use on your next purchase VA loans allow for an Interest Rate Reduction Loan (ERL) which does not require an appraisal, income, or assets The median FICO score for a VA home loan is 736, with median household income of $90,000 and an average loan amount of $344,000 [11:05 - 11:37] Closing Segment Quotes: "Underwriters are encouraged to consider every possible appropriate factor in seeking a proper basis for approving loan applications for every qualified veteran that is specifically written in the guidelines for VA." - Richard Sarey "The veteran has earned the right to put nothing down. They may have money to put down, but they don't have to. It's zero down. That's the feature. That's the benefit of becoming a homeowner using your VA entitlement." - Richard Sarey Have you got questions? Please email me at rsarey@alliancemtggroup.net, or visit www.alliancemtggroup.net. 

Are you a veteran looking to purchase a home but need help knowing where to start?  Join Richard as he discusses the many advantages of VA loans and why veterans often overlook them. He dives into the myths that surround VA loans. He reveals why they have a lower denial rate than conventional or FHA loans, better portfolio performance with a lower default rate, and can often be cheaper for the veteran due to closing cost caps. He'll also talk about how putting nothing down doesn't make veterans weak buyers and how they can dispute the value if an appraisal comes in lower than the list price. Additionally, he'll cover closing costs charged to veterans and how they can work with inspectors and title companies to eliminate or lower escrow fees.  Tune in to learn why VA loans may be the best option for you when it comes to purchasing a home! [00:01 - 06:58] Why VA Loans Are Better Than FHA and Conventional Mortgages VA home loan denial rate is 6.5%, compared to 9.6% for conventional and 10.2% for FHA loans It has better portfolio performance with a default rate of 1.98% Closing costs are capped at 1%, with the average net charges and credits being 878 VA loans are cheaper and more beneficial for veterans than other loan types [06:59 - 08:32] Understanding the Benefits of VA Loans and How to Rebut Appraisal Values If the house comes in for less than the list price, they can pay the difference VA loans have two options to get appraisal value back up to the list price Sellers don't have to worry about non-allowable costs if total fees to veterans are under 1% The origination fee is usually less than 1%, so there is no issue for the seller A non-veteran spouse can be on a loan with some down payment requirement Quotes: "We need to understand exactly what our VA loan can do for our client and our VA community and help them become homeowners." - Richard Sarey "Don't listen to the noise about the VA loan being horrible because they're putting nothing down. It takes longer to get through underwriting. It takes longer to get the appraisal, or the appraisal is always low." - Richard Sarey

Imagine securing your dream home, only to have the appraisal value come in lower than expected - it's a scenario that can spell disaster, or it can be a hurdle easily navigated if you're equipped with the right knowledge.  In this episode, Richard dives deep into the importance of the VA appraisal process for veterans. He covers how it determines the home's sales price and that there is no difference between a VA appraisal and an FHA appraisal regarding value. Learn about the option to pay the appraisal gap and the important details of an appraisal waiver as an addendum to the contract.  Please tune in to learn how veterans can protect their earnest money! [00:01 - 05:01] Understanding the Importance of the Appraisal Process for Veterans VA appraisals are important for veterans when purchasing a property An appraisal is ordered through the VA portal, not an appraisal management company Appraiser usually accepts orders within 24 hours and has ten business days to deliver to VA [05:02 - 10:51] VA, FHA, and Conventional Loans If appraisal value is not met, a Tidewater is issued to both parties for additional sales info Reconsideration of Value can be requested with VA if comps support it The appraiser does a head and shoulders inspection for safety issues Exposed wiring and smoke/carbon monoxide detectors must be fixed for any loan If the appraisal comes in lower than the sales price, renegotiate or pay the gap between the two [10:52 - 15:04] The VA Appraisal Process and Requirements for Home Buying Veterans have the option of paying the appraisal gap A VA escape clause is built into the contract to protect the veteran's earnest money if the house doesn't appraise for the sales price Appraisal waiver is an addendum to the contract that states that no matter what the house appraises for, they're going to pay X price for the home The seller should make sure improvements are known to the appraiser before inspection Termite inspection needs to be done on the VA loan to determine if there is any problem Quotes: "There's not one difference between a VA appraisal and an FHA appraisal regarding value. They have to use the comps to make their adjustments on the comps that they're using." - Richard Sarey "The other item that needed to be completed was to have smoke and carbon monoxide detectors. That's a safety issue. All homes should have that." - Richard Sarey "You want to get the property ready in the best condition that it can be in before the appraiser comes out there." - Richard Sarey

Do you want to help our veterans unlock the potential of a VA home loan? Welcome to the first episode of Helping Heroes Become Homeowners! Richard will discuss the benefits of a VA loan and how to qualify and debunk the myths surrounding it. Veterans can purchase a home without a down payment or mortgage insurance with their Certificate of Eligibility. He'll cover what that document is, how to get it, and what credit score you need to get pre-qualified for a VA loan. He'll also discuss all the different factors lenders consider when qualifying an applicant, such as income, assets, back-end ratio, housing ratio, and more.  Tune in for helpful tips and advice on using your entitlement to purchase a home with a VA loan. [00:01 - 05:21] Debunking Myths About VA Home Loans VA loan benefits usually outweigh conventional or FHA loans A certificate of Eligibility is the "golden ticket" to prequalification VA home loan is a great loan for veterans as it provides a guarantee of 25% of the loan amount Interest rates on VA home loans are lower than on conventional or FHA loans Certificate of Eligibility and credit score are important factors in getting a VA home loan Minimum credit score requirements may vary from lender to lender. [05:22 - 10:41] Maximizing Your VA Loan Benefits Veteran or active duty member's income and spouse's income will be taken into account for joint application The debt ratio and housing ratio will be determined by gross monthly income divided by debt load and housing maintenance, respectively Richard shares the steps to get pre-qualified for a home loan Quotes: "What better way to say thank you than to give veterans a benefit to purchasing a home with nothing down?" - Richard Sarey "The more reserves you have, the better chances of the qualification you're going to receive from the lender on your purchase price." - Richard Sarey