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:

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

• Common buyer misconceptions that cost them their dream home

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

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

• 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.

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

• Call/Text Tim: (770) 856-6397

• Link with Heather, Let's Connect!

• Got questions or want to work with Heather? Book a

  Strategy Session

In this episode of Head in the Clouds, Heather sits down with Georgia-based real estate agent Tony Holden — a top producer who pivoted from residential sales to investor-focused real estate deals.

Tony opens up about:

• Why the 2022 market shift pushed him into working with investors

• The exact process he follows to find, vet, and flip properties

• What agents need to know before jumping into the investing game

• How he built rock-solid trust with buyers who spend $400K sight unseen

• The biggest myths new investors believe (and how to avoid costly mistakes)

Whether you're an agent looking to work with investors or a first-time buyer eyeing your first flip, this episode is packed with real talk, tactical advice, and golden nuggets you won’t want to miss.

Guest: Tony Holden
Location: Cumming, Georgia
Website: HoldenHomesRE.com
Instagram: @tonyholdenrealtor
Facebook: Tony Holden

Contact Tony: 770-800-8216

Learn more about how you can transition from traditional real estate to the investment side and create consistent cash flow—even in shifting markets.

Ready to ditch the hustle and scale smarter? Join us at Cloud Realty and get your own Pipeline on Demand.

Discover how former military logistics expert turned real estate agent, Andres Castro, scaled his real estate business using Cloud Realty’s lead generation system. Learn the secrets behind warm transfers, automated follow-up, agent attraction, and converting leads like a pro. Whether you're new to real estate or managing a team, this episode breaks down exactly how to scale without burning out.

Ready to stop renting and start owning in Huntsville?
Let’s make homeownership your reality.
Schedule your free consultation with Andres today: acastroproperties.com

Serving Huntsville, Madison, and beyond. Spanish-speaking? ¡Hablo Español!

Agents: Drowning in dead leads and DIY marketing?
It’s time to scale smarter—not harder.
Book your strategy call with Heather: https://heatherfowler.realestateus.co/Main-Heather

‍♀️ Heather helps agents build systems that work—even when you're off the clock.

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