This episode is brought to you by Real Estate Made Simple: A Beginner’s Playbook for Building Wealth, One Property at a Time.

In today’s episode, I break down one of the most common questions borrowers ask:
“How long does the mortgage approval process really take?”

Whether you’re buying your first home or expanding your real estate portfolio, understanding how lenders work behind the scenes can save you time, money, and stress. In just a few minutes, you’ll learn what most banks, lenders, and mortgage brokers actually do during the approval process—and how to avoid the delays that hold borrowers back. If you want faster approvals, smoother closings, and a more confident homebuying experience, this episode will show you exactly how to get there.

For personalized guidance, mortgage education, or to start your pre-approval, connect with me directly. And don’t forget to tune in every Wednesday at 7 PM CST on YouTube for Wine Down Wednesday—your weekly live session for mortgage tips, real estate strategies, and open Q&A.

Contact Information:
Ebonie Beaco – Mortgage Loan Originator
NMLS #2389954
Home Loans Network – Powered by Morty | NMLS #1429243
Linktree: https://linktr.ee/homeloansnetwork

#MortgageTips #HomeBuying101 #RealEstateInvesting #LoanApprovalProcess #MortgageEducation #FirstTimeHomebuyers #RealEstateMadeSimple #WineDownWednesday #HomeLoansNetwork #EbonieBeaco

At Home Loans Network, we are always looking to partner with realtors, insurance agents, builders, developers, and real estate attorneys to interview and feature on the podcast. If you're a professional who wants to share your expertise, we’d love to collaborate with you. BOOK HERE

And to our listeners — your questions matter. We want to hear from you, feature your questions, and answer them on future episodes. Don’t hesitate to reach out and let us know what you’d like to learn more about!

📞 Call or Text: 312-392-0664
🌐 www.HomeLoansNetwork.com

👩‍💼 Ebonie Beaco – NMLS #2389954
🏢 Home Loans Network – Powered by Morty (NMLS #1429243)

Are you trying to figure out which mortgage loan is right for you? Whether you're a first-time homebuyer, real estate investor, or someone rebuilding your credit, this episode breaks down FHA, Conventional, VA, USDA, Jumbo, and Non-QM loans in a way that’s easy to understand and based on real industry experience.

Mortgage Loan Officer Ebonie Beaco (NMLS #2389954) explains how each program works, who qualifies, and how to avoid the common mistakes borrowers make when choosing a loan.

Most buyers make these mistakes — but you won’t after this episode:

• Thinking FHA is only for “low income borrowers”
• Assuming Conventional is always better because it sounds “standard”
• Believing you need 20% down for ANY mortgage
• Not knowing VA loans require zero mortgage insurance
• Overlooking USDA because they assume they don’t live “rural enough”
• Choosing a loan based on the lowest rate, instead of the best long-term cost
• Misunderstanding how credit scores truly affect interest rates
• Believing they “don’t qualify for anything” without seeing real numbers first
• Using online calculators and thinking the estimate is accurate for their situation
• Not realizing self-employed borrowers often qualify under Non-QM or bank statement loans

These mistakes cost people thousands of dollars and delay their ability to buy a home or expand their portfolio.
This episode ensures you don’t make them.

You’ll learn how lenders actually match borrowers with the right loan, what red flags to avoid, and how to position yourself to qualify for the best financing possible — whether you're buying your first home or your fifth investment property.

Ready to explore your loan options, understand what you qualify for, or start your pre-approval?

📍 Visit: www.HomeLoansNetwork.com

📞 Call/Text: 312-392-0664
👤 Loan Officer: Ebonie Beaco – NMLS #2389954
🏡 Home Loans Network – Powered by Morty (NMLS #1429243)

👉 LIVE every Wednesday at 7 PM CST on YouTube @HomeLoansNetwork
Bring your mortgage and real estate questions and get expert guidance LIVE.

At Home Loans Network, we are always looking to partner with realtors, insurance agents, builders, developers, and real estate attorneys to interview and feature on the podcast. If you're a professional who wants to share your expertise, we’d love to collaborate with you. BOOK HERE

And to our listeners — your questions matter. We want to hear from you, feature your questions, and answer them on future episodes. Don’t hesitate to reach out and let us know what you’d like to learn more about!

📞 Call or Text: 312-392-0664
🌐 www.HomeLoansNetwork.com

👩‍💼 Ebonie Beaco – NMLS #2389954
🏢 Home Loans Network – Powered by Morty (NMLS #1429243)

In this episode, I’m breaking down everything you need to know about Down Payment Assistance and how it can help you buy a home with less money upfront. I’m covering:

• How Down Payment Assistance Works
• Whether you can use any lender with DPA
• If you can apply for DPA on your own
• Whether you can get pre-approved with one lender and use DPA from another source
• The most common questions homebuyers ask about DPA
• How to buy a home with little to no money out of pocket
• What costs you still need to pay, like the appraisal or inspection
• Whether DPA slows down the loan process
• How DPA works for duplexes and multifamily properties
• How long you may need to stay in the home to keep the assistance
• My professional blueprint for buying a home with minimal cash

You’ll learn exactly what programs look for, what lenders require, and how to position yourself to qualify. And if you want to explore down payment assistance programs available in your area—or instantly check your eligibility—you can visit:

👉 www.DownPaymentLoanAssistance.com

AND DON'T FORGET!

Every Wednesday at 7 PM CST, I go live for Wine Down Wednesdays on YouTube. It’s your chance to ask your mortgage and real estate questions in real time and get expert advice to help you move forward with confidence.

Subscribe on YouTube: @HomeLoansNetwork

At Home Loans Network, we are always looking to partner with realtors, insurance agents, builders, developers, and real estate attorneys to interview and feature on the podcast. If you're a professional who wants to share your expertise, we’d love to collaborate with you. BOOK HERE

And to our listeners — your questions matter. We want to hear from you, feature your questions, and answer them on future episodes. Don’t hesitate to reach out and let us know what you’d like to learn more about!

📞 Call or Text: 312-392-0664
🌐 www.HomeLoansNetwork.com

👩‍💼 Ebonie Beaco – NMLS #2389954
🏢 Home Loans Network – Powered by Morty (NMLS #1429243)

Guide to Down Payment Assistance Programs: What Buyers Need to Know Now To Purchase A Home? This episode discuss how Many first-time buyers are surprised to learn they can receive:
✔ Down Payment Assistance (DPA)
✔ Closing Cost Assistance
✔ Grants That Don’t Need to Be Repaid
✔ Low Down Payment Loans (3%–3.5%)
✔ Lower Credit Score Options
✔ Programs for Renters & First-Time Buyers

LISTEN HERE TO GET A BETTER UNDERSTANDING OF DOWN PAYMENT ASSISTANCE PROGRAMS.

PROPERTY TYPES THAT QUALIFY FOR DOWN PAYMENT ASSISTANCE

Most DPA programs allow you to purchase:
🏡 Single-Family Homes
🏘 Townhomes
🏢 Condominiums
🏠 2–4 Unit Multi-Family Properties (you must live in one unit)
🧱 New Construction Homes (depending on the program)

If it will be your primary residence, it may qualify.

WHO QUALIFIES?

You may qualify if you are:
✓ A first-time homebuyer
✓ Renting now and ready to own
✓ Have a steady job or consistent income
✓ Have fair credit or need credit help
✓ Planning to buy within the next 3–12 months

If your credit isn’t perfect — we can help repair and guide you to qualify.

My goal is to help you become a homeowner with as little stress — and as little money out of pocket — as possible.

SEE WHAT DPA PROGRAMS ARE AVAILABLE IN YOUR AREA

Check eligibility, learn how the programs work, and see how much assistance you can receive:

🌐 Visit: www.DownPaymentLoanAssistance.com

START YOUR HOMEOWNERSHIP JOURNEY TODAY

📞 Call or Text: 312-392-0664
🌐 www.HomeLoansNetwork.com

👩‍💼 Ebonie Beaco – NMLS #2389954
🏢 Home Loans Network – Powered by Morty (NMLS #1429243)

At Home Loans Network, we are always looking to partner with realtors, insurance agents, builders, developers, and real estate attorneys to interview and feature on the podcast. If you're a professional who wants to share your expertise, we’d love to collaborate with you. BOOK HERE

And to our listeners — your questions matter. We want to hear from you, feature your questions, and answer them on future episodes. Don’t hesitate to reach out and let us know what you’d like to learn more about!

📞 Call or Text: 312-392-0664
🌐 www.HomeLoansNetwork.com

👩‍💼 Ebonie Beaco – NMLS #2389954
🏢 Home Loans Network – Powered by Morty (NMLS #1429243)

In this video, Ebonie Beaco breaks down one of the most common questions buyers are asking in today’s market. You’ll learn the real factors that matter beyond just interest rates, the pros and cons of buying now vs. waiting, and how to make a smart financial decision based on your goals, your budget, and your timeline.

Tune in to get clear, honest, and practical guidance that cuts through the noise—whether you’re a first-time buyer or growing your real estate portfolio.

👉 Don’t forget to watch live every Wednesday at 7 PM CST for Wine Down Wednesdays on YouTube @HomeLoansNetwork for real-time mortgage + real estate Q&A.

📞 Ready to talk about your options?
Contact Ebonie Beaco – NMLS #2389954 at 312-392-0664 or visit www.HomeLoansNetwork.com for more information or click here to schedule a complimentary 1 on 1 complimentary consultation and see what you qualify for.

At Home Loans Network, we are always looking to partner with realtors, insurance agents, builders, developers, and real estate attorneys to interview and feature on the podcast. If you're a professional who wants to share your expertise, we’d love to collaborate with you. BOOK HERE

And to our listeners — your questions matter. We want to hear from you, feature your questions, and answer them on future episodes. Don’t hesitate to reach out and let us know what you’d like to learn more about!

📞 Call or Text: 312-392-0664
🌐 www.HomeLoansNetwork.com

👩‍💼 Ebonie Beaco – NMLS #2389954
🏢 Home Loans Network – Powered by Morty (NMLS #1429243)

If you’re thinking about buying a home—whether it's your first or your next—understanding the difference between a pre-qualification and a pre-approval can make or break your entire buying experience. Most buyers don’t realize how much this one step impacts everything:
✔ your budget
✔ your negotiating power
✔ your ability to win an offer
✔ your overall confidence in the process

In this episode, I break it all down in simple, practical terms. You’ll learn what lenders are really looking for, what sellers expect, and why showing up with the wrong type of approval can cost you time, money, and even the home you want.

You’ll walk away knowing:

• Which one actually puts you in a position to win.
• Which one sellers trust (and which one they ignore).
• How to avoid delays, surprises, and denied deals.
• How to get pre-approved the right way so your offer stands out.

If you want to shop smart, make confident decisions, and avoid costly mistakes—this episode is a must-listen.

Call to Action

Ready to start your pre-approval the right way?
Let’s make sure you’re fully prepared before you start touring homes.

Home Loans Network – Powered By Morty

Contact Ebonie Beaco (NMLS ID: 2389954)
📞 Direct: 312-392-0664
Website: www.HomeLoansNetwork.com

And don’t forget—join me LIVE every Wednesday at 7pm CST on YouTube @HomeLoansNetwork for Wine Down Wednesdays to get real-time mortgage and real estate tips, ask questions, and stay ahead of the market.

Let’s get you approved and ready to buy with confidence.

At Home Loans Network, we are always looking to partner with realtors, insurance agents, builders, developers, and real estate attorneys to interview and feature on the podcast. If you're a professional who wants to share your expertise, we’d love to collaborate with you. BOOK HERE

And to our listeners — your questions matter. We want to hear from you, feature your questions, and answer them on future episodes. Don’t hesitate to reach out and let us know what you’d like to learn more about!

📞 Call or Text: 312-392-0664
🌐 www.HomeLoansNetwork.com

👩‍💼 Ebonie Beaco – NMLS #2389954
🏢 Home Loans Network – Powered by Morty (NMLS #1429243)