In this episode of Head in the Clouds, Heather Fowler sits down with Tim Arrington, a seasoned mortgage broker and owner of Mortgage Core, to unravel the truth about home loans, down payment myths, and how buyers and agents can finally stop losing deals to financing chaos.

Guest Bio:
Tim Arrington is the owner and broker at Mortgage Core. With over 25 years of experience, Tim is a trusted partner for real estate agents and buyers who need transparency, strategy, and a path to the closing table.

We cover:

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  Why the mortgage game has changed—and how to play it smart

  
  


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  Common buyer misconceptions that cost them their dream home

  
  


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  A behind-the-scenes look at what lenders actually look at

  
  


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  The truth about down payment assistance (and who should avoid it)

  
  


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  Real talk on rates, refis, DTI, and what’s next in the 2025 market

  
  

Whether you’re a first-time homebuyer, a seasoned agent, or somewhere in between, this episode will arm you with the clarity and strategy to win in today’s housing market.

Don’t forget to like, subscribe, and share with a fellow agent or home shopper who needs this clarity.

Episode Links:

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  Apply with Tim at https://mortgagecore.com/

  
  


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  Call/Text Tim: (770) 856-6397 

  
  


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Chapters

• (00:00:00 ) - Head in the Clouds: Mortgages
• (00:01:15 ) - Timothy Miller on Becoming a Mortgage Agent
• (00:02:04 ) - How Has the Real Estate Industry Changed?
• (00:03:03 ) - What's Your Favorite Part of the Job?
• (00:03:54 ) - How to Get a Homeowners Loan
• (00:05:52 ) - Do You Need a Mortgage From a Bank or a Broker?
• (00:08:07 ) - Mortgage Options for Buying a House
• (00:11:55 ) - Timid Mortgage Corp: Help Your Homeowner Buy a Home
• (00:14:19 ) - Buying a House in the Gig Economy
• (00:19:28 ) - The Interest Rate on a Home Loan
• (00:21:26 ) - Real Estate Agents: I Wish More Agents Knew About Appra
• (00:23:23 ) - Homebuyers: Down Payment Assistance
• (00:28:00 ) - DPA: Down Payment Assistant
• (00:31:31 ) - House Buyers: Debt to Income
• (00:37:01 ) - One thing to be sure of is your offer letter
• (00:38:05 ) - FHA Loans, How Do They Work?
• (00:41:39 ) - Real Estate Comment: Rates and the Housing Market
• (00:45:23 ) - What is REFINANCING?
• (00:49:08 ) - Mortgage Corp.