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  • Divorce, Mortgages & Your Financial Future

    Divorce, Mortgages & Your Financial Future
    2026/07/21
    Divorce, Mortgages & Your Financial Future Episode Description Divorce is one of life's most emotional transitions, and it's also one of the most financially complex. In this episode, we discuss one of the biggest questions homeowners ask during a divorce: Can I buy a house or refinance while my divorce is still in progress? The answer isn't always simple. As a mortgage professional, I've helped clients navigate divorce-related home financing, and I've also seen emotional decisions create unnecessary financial setbacks. In this episode, I'll explain what lenders are really looking for, why your marital separation agreement matters, how child support and alimony affect mortgage qualification, and why rushing into a home purchase can sometimes do more harm than good. I also share a real client story about helping someone refinance their home during a divorce using a special circumstances refinance to remove a spouse from the mortgage. Whether you're currently going through a divorce, thinking about buying your next home, or simply want to better understand your mortgage options, this episode is packed with practical guidance that can help you make informed financial decisions. What You'll Learn • Can you qualify for a mortgage during a divorce? • What lenders need before approving your loan • Why debt-to-income ratio changes during divorce • How child support and alimony impact mortgage approval • Common financial mistakes divorcing couples make • Why emotions often create expensive mortgage problems • When refinancing may be the right solution • How to protect your financial future while navigating divorceIf you're going through a divorce and have questions about buying a home or refinancing your mortgage, I'd be happy to help you understand your options. 📞 Phone: 602-299-9357 📧 Email: admin@coachclarence.com 🌐 Website: www.clarenceferguson.com You can also connect with me on YouTube, LinkedIn, Facebook, Instagram, and Substack for weekly mortgage education, homebuying tips, and market updates. If you found this episode helpful, please follow the podcast, leave a review, and share it with someone who could benefit from this information. Every review helps more homeowners discover practical mortgage advice they can trust. Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.
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    9 分
  • Don't Buy a House Until You Listen to This

    Don't Buy a House Until You Listen to This
    2026/07/14
    Think getting pre-approved means you're in the clear? Not so fast. In this episode, I share the nine biggest mistakes that can jeopardize your mortgage before closing and explain why lenders continue reviewing your finances all the way to the finish line. I also share a real client story where a last-minute purchase and reduced overtime nearly caused the buyer to lose their home and earnest money. If you're planning to buy, refinance, or invest in real estate, this episode could save you from making an expensive mistake. For Direct question email me: Clarence@firstratehomeloans.com Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.
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    9 分
  • Credit Report Changes Came in July That Could Affect Millions

    Credit Report Changes Came in July That Could Affect Millions
    2026/07/07
    Starting July 1, 2026, several major credit and debt changes could affect millions of Americans. In this episode, we break down four important updates involving student loans, credit reports, credit scores, medical debt, mortgage approvals, collections, wage garnishments, tax refund offsets and Social Security offsets. Some of these changes may help consumers, including a federal student loan autopay interest rate reduction and expanded mortgage credit scoring options. But other changes could create serious financial risks for borrowers with medical debt or defaulted student loans. In this episode, you will learn: What changes on July 1, 2026 How the student loan autopay interest rate reduction works Why VantageScore 4.0 may matter for mortgage approvals What is happening with medical debt and credit reports How student loan collections could return for defaulted borrowers What wage garnishment, tax refund offsets and Social Security offsets mean Why you should check your student loan status and credit report now If you have student loans, medical collections, or you are planning to buy a home, this episode is important. Do not wait until these changes hit your credit report. Take time now to review your accounts, contact your loan servicer, and understand your options. This content is for educational purposes only and should not be considered legal, financial, or credit advice. Always review your personal situation with a qualified professional or your loan servicer. Reach out to : admin@coachclarence.com or www.clarenceferguson.com Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.
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    10 分
  • Don't Buy a House Until You Understand These Hidden Costs

    Don't Buy a House Until You Understand These Hidden Costs
    2026/06/30
    In this episode of the "I Heard that!" Podcast, Coach Clarence tackles one of the biggest mistakes homebuyers make: confusing mortgage pre-approval with true affordability. Just because a lender approves you for a certain loan amount doesn't mean it's the right financial decision. Buying a home should help you build wealth—not leave you stressed over every monthly payment. In this episode, you'll learn: • Why being pre-approved doesn't mean you should spend the maximum amount • The real cost of homeownership beyond your principal and interest payment • How property taxes, homeowners insurance, HOA fees, maintenance, and utilities affect your monthly budget • How to determine a comfortable home payment that still allows you to save, invest, and enjoy your lifestyle • Practical strategies to avoid becoming house poor in today's housing market Whether you're a first-time homebuyer, moving up to your next home, or planning to buy in Phoenix or anywhere in Arizona, this episode will help you make a confident financial decision that supports your long-term goals. 🎧 Tune in and learn how to buy a home you can truly afford—not just one you qualify for. Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.
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    14 分
  • Boss Lady Tina Marie Built an Empire Out of Her Pain

    Boss Lady Tina Marie Built an Empire Out of Her Pain
    2026/06/25
    Learn how Boss Lady Tina Marie balances successful entrepreneurship with critical advocacy for human trafficking survivors. Coach Clarence hosts this raw conversation with Boss Lady Tina Marie to discuss the reality of building a brand while serving the community. They first crossed paths at an event dedicated to supporting women recovering from domestic violence and human trafficking, sparking a dialogue on how to reclaim one's narrative after crisis. This episode moves past standard business advice to address the mental fortitude required when your professional life intersects with deep social responsibility. Listeners will walk away with practical strategies for maintaining focus on personal goals while engaging in survivor advocacy. Dana Marie explains the specific challenges of entrepreneurship after trauma and how she uses her platform to give others a voice. If you are looking for an honest perspective on professional growth combined with a commitment to social impact, this conversation offers a blueprint for turning past pain into a sustainable business mission. Subscribe for weekly I Heard That Podcast breakdowns, and comment below on which guest or topic you want Coach Clarence to feature next. Find out more about Tina here: https://thewsallc.square.site/ Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.
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    42 分
  • First-Time Homebuyer Tips: How to Know If You’re Ready to Buy in Phoenix

    First-Time Homebuyer Tips: How to Know If You’re Ready to Buy in Phoenix
    2026/06/16
    Is now actually a good time to buy a house in Phoenix, or should first-time homebuyers wait? In this episode, we break down what today’s market really means for first-time buyers and how to decide if buying now makes sense for your personal situation. We’ll talk about affordability, monthly payment comfort, new construction incentives, builder rate buydowns, first-time homebuyer programs, and why you should never rush into buying without a plan. You’ll also hear a real-world example of how a first-time homebuyer used the right program and a clear plan to purchase a home in just 90 days. Before you let interest rates, home prices, social media, or pressure from a builder make the decision for you, this episode will help you understand what to look at first so you can buy with more confidence. Join our Facebook Group : https://www.facebook.com/groups/fitover40withcoachclarence Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.
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    14 分
  • Why the Wealthy Want You to Rent While They Buy Real Estate

    Why the Wealthy Want You to Rent While They Buy Real Estate
    2026/06/09
    Are you being told that renting is smarter than buying? Before you sign another lease, you need to understand who really benefits when you keep renting. In this episode, we break down why wealthy investors, landlords, and corporations continue buying real estate while everyday renters are told to “wait,” “rent,” or “avoid buying right now.” We talk about how your monthly rent may be helping someone else build equity, why luxury apartments can quietly keep renters stuck, and how waiting too long could potentially price you out of homeownership. You will also hear a real-world example of someone paying $2,800 a month for a luxury apartment who may have had the ability to buy a home with a backyard and pool using down payment assistance. This episode is not about saying renting is always bad. It is about helping you understand your options, run the numbers, and make a smarter decision for your future. Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.
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    13 分
  • Can You Afford That House? A 3-Step Payment Formula Before You Buy

    Can You Afford That House? A 3-Step Payment Formula Before You Buy
    2026/06/02
    Before you fall in love with a home, know what payment actually fits your life. In this episode, we break down three simple ways to estimate your affordable house payment using your gross income, your current monthly debt, and your desired comfort-zone payment. You’ll learn how the 45% income guideline can give you a quick starting point, then how to subtract existing debt to get a more realistic number before you start shopping. Lets discuss your numbers: https://tidycal.com/coachclarence/30-minute-mortgage-and-credit-consultation-strategy-call20251111195249 Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.
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    10 分