In this episode of Real Estate Makes Us Drink, we sit down with Josh Navarro from Union Home Mortgage for a lively and insightful conversation about tequila, marathon training, and the world of mortgage banking. 

We break down non-delegated mortgage banking, discussing loan sales, interest rates, first payment defaults, and how they impact borrowers. Plus, we explore the future of adjustable-rate mortgages (ARMs), CFPB regulations, and the true cost of loans in today's housing market. If you're curious about the inner workings of mortgage lending, compliance, and industry trends, this episode is packed with valuable insights!

Topics Covered:

• ✅ The tequila-mortgage connection


• ✅ Challenges of running a marathon ‍♂️


• ✅ The loan process & non-delegated mortgage banking


• ✅ How mortgage sales affect borrowers


• ✅ The impact of CFPB regulations on loan costs


• ✅ Adjustable-rate mortgages & the future of lending

Whether you're in real estate, lending, or just love a good financial deep dive, this episode is for you! Grab your favorite drink and enjoy. Cheers!

Schedule a consultation with Brian or Brad https://calendly.com/therealtorindy

#RealEstatePodcast #MortgageBanking #HomeLoans #RealEstateInvesting #MortgageRates #LoanOfficer #HousingMarket #FirstTimeHomeBuyer #TequilaAndMortgages

00:00 Welcome and Introductions

02:58 Tequila Tales and Bar Stories

05:58 Marathon Challenge and Personal Goals

09:09 Understanding Non-Delegated Mortgage Banking

12:08 The Loan Process Explained

14:56 Impact of Loan Sales on Borrowers

16:18 Understanding Loan Value and Payment Issues

18:36 The Dynamics of Mortgage Sales and Interest Rates

20:45 The Future of Adjustable Rate Mortgages

22:08 Interest Rates and Economic Influences

23:52 The Role of the CFPB in Mortgage Regulation

25:43 The Impact of Regulations on Loan Costs

27:14 The Future of Mortgage Processes and Compliance

29:10 The Nature of Mortgage Banking