『The Brutally Honest Loan Officers: The Unfiltered Mortgage Minds』のカバーアート

The Brutally Honest Loan Officers: The Unfiltered Mortgage Minds

The Brutally Honest Loan Officers: The Unfiltered Mortgage Minds

著者： Stephen Brock and Derick Brown
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 ”The Brutally Honest Loan Officers: The Unfiltered Mortgage Minds” is a refreshingly candid podcast hosted by two seasoned mortgage lenders, Stephen Brock NMLS 1926015 and Derick Brown NMLS 1640146, from The Mortgage Firm. This podcast cuts through the jargon and complexity of the mortgage industry, offering unfiltered insights and straightforward advice. Each episode delves into the often-overlooked aspects of mortgage lending, from navigating market trends to understanding credit scores. Our hosts bring their extensive experience and a touch of humor to demystify the mortgage process for consumers and realtors alike. Whether you’re a first-time homebuyer, a seasoned investor, or a real estate professional seeking to enhance your knowledge, this podcast is your go-to source for honest, actionable mortgage wisdom. Join us as we break down the walls of the lending world, one truth at a time. The Mortgage Firm NMLS 189233 Equal Housing Lender NC License # I-219794 CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE BANKER OR A LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550. THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV.Copyright 2023 All rights reserved. 経済学
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  • The Fed, the Forecast, and Your Mortgage in 2026

    The Fed, the Forecast, and Your Mortgage in 2026
    2025/12/15

    The Fed just cut rates — again — but if you’re expecting mortgage rates to drop like a rock, think again.

    In this Brutally Honest episode, Stephen and Derick break down the latest Federal Reserve meeting in plain English, and explain what it really means for mortgage rates, affordability, and the housing market going into 2026.

    Inside:

    • Why the Fed cut by 0.25% — and what drove the decision

    • Why mortgage rates don’t follow Fed rates directly

    • What to expect for the rest of 2025 (and beyond)

    • The real 2026 outlook — and why waiting might cost buyers more

    • Straightforward advice for buyers, homeowners, and agents right now

    Spoiler: The direction is finally looking better. But no, we’re not going back to 3%.

    🎧 Tune in for truth, not clickbait — just the way you like it.
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    30 分
  • Reacting to Your Spiciest Comments – Brutally Honest Style

    Reacting to Your Spiciest Comments – Brutally Honest Style
    2025/12/08

    We read the comments… and we’ve got thoughts.

    In this episode of The Brutally Honest Loan Officers Podcast, Derick and Stephen respond to some of your hottest takes, misconceptions, and truth bombs — straight from the comments section of their videos.

    They break down:

    • Whether banks are really cheaper than mortgage companies

    • A killer real-life equity story that proves why homeownership works

    • The brutal truth about over-renovating your home

    • And why Grant Cardone’s “never buy real estate” advice is complete garbage (especially since he buys ALL the real estate himself)

    From misinformation to mic drops, we’re breaking it all down — and keeping it brutally honest.
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    28 分
  • Why You Can’t Take Your Mortgage With You (But Other Countries Can)

    Why You Can’t Take Your Mortgage With You (But Other Countries Can)
    2025/12/02

    Could portable mortgages be the answer to our locked-up housing market? In this episode of The Brutally Honest Loan Officers Podcast, Derick and Stephen dive into the idea of portable mortgages — loans you can take with you when you move — and why they’re used in other countries but not in the U.S.

    They break down:

    • What portable mortgages actually are (and how they work)

    • The potential benefits: mobility, affordability, inventory relief

    • The big challenges: secondary market resistance, investor rules, and lender risk

    • What would really need to change for this to happen in the U.S.

    If you’ve ever asked, “Why can’t I keep my 3% mortgage when I move?” — this episode explains it all. It’s a smart, eye-opening look at how our mortgage system actually works… and what it would take to evolve it.
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    23 分
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