Mike continues the 'Nancy Chronicles' with Nancy Levine from Mortgage Equity Partners. Together, they dive deep into the mortgage process, explaining the critical distinctions between prequalification and pre-approval, and discussing the steps involved after an offer is accepted. Nancy shares insights on the role of underwriters, appraisers, and the importance of detailed documentation in securing a mortgage. They also discuss the value of pre-underwriting for prospective buyers and the stringent regulations that now govern the mortgage industry. The episode is filled with practical tips for first-time homebuyers, as well as personal anecdotes and a fun discussion about their 'walk-up' songs. Tune in for a comprehensive guide on making the mortgage process smooth and successful.

Nancy Levine

Lic #40494

(781) 608-7220 email

nLevine@MEPLoans.com

Mike Freeman

(617) 759-1513

mike.freeman@nemoves.com

mikefreemanhomes.com

Topics

00:43 Meet Nancy Levine from Mortgage Equity Partners

01:43 Understanding Prequalification vs. Pre-Approval

02:22 The Importance of Pre-Approval Letters

04:36 Navigating the Mortgage Application Process

05:53 The Role of Appraisers and Underwriters

10:28 Strict Banking Regulations and Documentation

13:28 Understanding Mortgage Requirements

13:48 Changes in Mortgage Processes Over the Years

14:54 Pre-Approval and Underwriting Benefits

15:36 The Importance of Education in Real Estate

17:09 Licensing and Market Insights

17:58 Fun and Personal Insights

22:34 Contact Information and Final Thoughts

Mike welcomes leadership coach Mel Cidado from Breakthrough Coaching for the second part of their discussion. They delve into specific strategies Mel employs to assist her clients in real estate, focusing on managing pressures, maintaining a positive mindset, and adapting to industry changes. The conversation includes insights on balancing personal and professional life, the impact of AI in real estate practices, and the challenges associated with compliance and regulatory issues. Mike and Mel also share personal anecdotes, including their first concert experiences, adding a personal touch to the engaging and informative session.

Visit https://www.getbreakthroughcoaching.com/

 Email Mel at mel@getbreakthroughcoaching.com

Contact Mike at (617) 759-1513

mikefreeman@nemoves.com

www.mikefreemanhomes.com

Topics

01:21 Guest Introduction: Mel Cidado from Breakthrough Coaching

01:49 Challenges in Real Estate Leadership

07:14 Navigating Real Estate Compliance and AI

07:45 Changes in Real Estate Laws and Their Impact

11:06 The Emotional Side of Real Estate Transactions

12:17 The Importance of Listening and Validation

12:35 Real Estate Market Slowdown

13:07 Mindset and Self-Care in Tough Times

14:03 Personal Routines and Work-Life Balance

15:13 Unique Approach to Coaching

16:04 Navigating Change and Leadership

17:39 First Concert Experiences

21:17 Contact Information and Closing Remarks

Mike welcomes Mel Cidado from Breakthrough Coaching. Mel shares her journey from a 25-year corporate career to becoming an executive coach, highlighting the importance of networking and personal development. They discuss the value of Chambers of Commerce, the transition to self-employment, and methods to find and work with clients. The episode also touches on Mel's coaching program details and her approach to guiding clients through professional growth. The show concludes with light-hearted discussions on favorite guilty pleasure TV shows and contact information for both Mel and Mike.

Visit https://www.getbreakthroughcoaching.com/

 Email Mel at mel@getbreakthroughcoaching.com

Contact Mike at (617) 759-1513

mikefreeman@nemoves.com

www.mikefreemanhomes.com

Topics

01:03 Meet Mel Cidado: Executive Coach

01:33 Mel's Journey to Coaching

03:27 Challenges and Successes in Coaching

04:45 Networking and Client Acquisition

11:02 Coaching Certification and Methods

17:32 Guilty Pleasure TV Shows

21:30 Conclusion and Contact Information

Mike welcomes back Larry Seggelin, who shares his extensive experience in real estate investing. Larry discusses his first investment in a multifamily property in Attleboro, lessons learned from different types of tenants, and his philosophy on buy-and-hold investing. He also shares his journey through economic downturns, leveraging equity lines, and managing multiple properties. The episode provides valuable insights for both novice and seasoned investors, emphasizing the importance of taking calculated risks and understanding tenant dynamics. Additionally, Mike and Larry engage in a fun segment on time travel, exploring historical and futuristic scenarios.

Larry Seggelin can be reached at 781-290-9292 or LarrySeggelin@comcast.net

Mike can be reached at (617) 759-1513 or Mike.Freeman@nemoves.com and MikeFreemanHomes.com

Topics

00:24 Guest Introduction and Previous Episode Recap

01:00 Larry's First Multifamily Investment

01:42 Insights on Tenants and Section 8 Housing

03:01 Larry's Real Estate Journey and Challenges

04:59 Real Estate Investing Tips and Strategies

11:27 Evaluating New Property Investments

12:36 Business Decisions in Tenant Management

12:52 Challenges of Tenant-Friendly States

13:56 Screening Tenants Beyond Credit Scores

15:35 Real Estate Investment Strategies

17:22 More About Mike Segment

17:48 Time Travel and Future Inventions

22:56 Closing Remarks and Contact Information

The guest is real estate investor Larry Seggelin. Larry shares his journey into real estate investment, starting from buying his first house in Brockton to acquiring multiple properties through auctions. He discusses the ups and downs of his career, his mother's influence, and the importance of understanding one's buying power. The episode also touches on personal anecdotes about their families and experiences. Stay tuned for the next episode to learn more about Larry's multifamily property investments.

Larry Seggelin can be reached at 781-290-9292 or LarrySeggelin@comcast.net

Mike can be reached at (617) 759-1513 or Mike.Freeman@nemoves.com and MikeFreemanHomes.com

Topics

00:39 Casual Chat: Weather and Summer Plans

01:29 Guest Introduction: Larry Seggelin

02:35 Larry's Journey into Real Estate Investing

04:20 First Real Estate Investment: Lessons Learned

04:52 Navigating Real Estate Auctions

08:41 Family and Military Connections

10:37 Expanding Real Estate Investments

16:12 More About Mike: Fun Segment

18:56 Contact Information and Wrap-Up

Mike welcomes back guest Zoe Haley, a representative from Sunrun. Zoe discusses her transition from private lending to joining Sunrun, the largest residential solar company in the US known for its robust market presence in Massachusetts. With insights into the daily challenges of door-to-door sales, Zoe emphasizes the importance of educating customers about solar energy benefits, addressing concerns like high electricity rates, and offering tailored solutions. The episode also touches upon Sunrun's competitive edge, including their integrated service model and community-focused approach, and concludes with a light-hearted segment on unusual pets' names.

Topics

00:28 Meet the Special Guest: Zoe's Journey to Sunrun

01:06 Zoe's Role and Experience at Sunrun

03:35 Challenges and Rewards of Door-to-Door Sales

05:36 Customer Experience and Solar Panel Installation Process

11:06 Why Choose Sunrun?

14:09 Exploring Solar Purchase Options

14:39 Understanding Lease Terms and Ownership

15:45 Tax Rebates and Market Credits

16:13 Neighborhood Suitability for Solar

17:19 Expanding Solar Services Across Towns

18:02 Customer-Centric Approach

20:00 Fun Segment: Best and Worst Pet Names

23:58 Contact Information and Closing Remarks

Zoe Haley from Sun Run Solar Panels. Zoe shares her powerful personal journey from struggling with addiction to celebrating over a year of sobriety. She discusses her experience with various recovery programs, the habits she developed to maintain her sobriety, and her current role as a sober house manager. Zoe’s story is inspiring, highlighting the importance of setting goals, building positive daily habits, and learning from failures.

Topics

01:29 Introducing Guest Zoe Haley from Sunrun

01:51 Zoe's Journey: From Biotechnology to Real Estate

02:44 Struggles with Addiction and Path to Sobriety

07:05 Implementing New Habits for a Better Life

16:22 Life in a Sober House and Future Goals

22:58 More About Mike: Advice to Past Self

26:16 Closing Remarks and Contact Information

Mike discusses the current state of the real estate market, addressing the perceptions of a slow market. Drawing on his 10 years of experience and financial expertise, Mike elaborates on critical factors affecting low inventory, high prices, and the cyclical nature of the market. He examines the lack of new construction, the skew toward luxury homes, and regulatory obstacles. Mike also highlights the impact of rising interest rates and changing demographics, offering a five-point strategy to improve the housing market. The episode concludes with a lighthearted discussion on favorite Boston sports coaches, sharing anecdotes and insights into their legacies.

Topics

01:33 Current Market Perceptions and Realities

03:25 Factors Affecting Inventory and Prices

08:55 Interest Rates and Their Impact

10:02 The Vicious Cycle of the Housing Market

14:01 Potential Solutions and Strategies

16:42 Sports Talk: New England Patriots and Favorite Coaches

26:49 Conclusion and Contact Information