『The Mortgage Athlete』のカバーアート

The Mortgage Athlete

The Mortgage Athlete

著者： Tracy Hayes
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概要

 The Mortgage Athlete is a podcast where highly experienced and respected mortgage loan officers collaborate. We will weekly discuss the real estate market, new loan products, and industry tips to help our fellow loan originators.2025 マネジメント・リーダーシップ リーダーシップ 経済学
エピソード
  • VA Construction Loan Made Simple

    VA Construction Loan Made Simple
    2026/03/03
    If you could build on your own land without making payments during construction, would you stop shopping listings and start creating the home you actually want? In this episode of The Mortgage Athlete Podcast, Tracy Hayes and Tom Reber welcome John Adams, this episode focuses on construction perm loans and why they matter in land rich areas like Northeast Florida and South Georgia where many buyers cannot find the perfect listing. John Adams and Tom Reber explain how one time close construction perm lending works across VA, FHA, USDA, and conventional, and why the VA construction perm option stands out for eligible veterans who want to build on their own lot and avoid HOA living. They walk through how a land home package can be combined into a single VA construction perm loan, with soft costs and interest carry baked in so the veteran is not stuck paying two shelter costs during the build. The conversation also highlights manufactured and modular housing as a major affordable housing path, especially in areas like Nassau County, with competitive conventional style financing rather than higher rate manufactured home servicer options. If you are buying in a land rich area, ask your lender and agent to price out a land home package and see if a one-time close construction perm loan can replace months of listing hunting. Highlights: 00:00 - 02:42 VA construction perm basics and why veterans love it Construction loans vital in the regionVeterans building a final home planEscaping HOA life and owning landPlanet Home Lending in house option100 percent VA construction perm mention 02:42 - 04:43 One-time close land home package and zero down structure Hybrid close land plus buildVA soft costs wrapped into loanAppraisal based on total acquisitionNo money down if it appraisesDraws with veteran and lender sign off 04:43 - 06:54 Built in interest and long-term options after completion VA loan from start to finishNo payments during constructionOne closing cost set and one closingFive percent holdback for overrunsVA interest rate reduction refinance option 06:54 - 09:20 Other construction perm options and advice for agents USDA rural no down optionFHA construction perm mentionConventional construction perm inclusionMimic VA by rolling interest inFind the dirt and use a 90-day plan 09:20 - 12:41 Manufactured and modular housing as affordable housing Manufactured under construction listingsUnderserved market and pricing issuesCompetitive rates and better serviceLot development utilities septic electricLess than three months start to finish claim 12:41 - 15:43 Affordable housing mindset and closing takeaways Affordable key word of 2026Rent easing but ownership traps costsManufactured cost lower than stick builtBudget reality champagne taste beer budgetCollaboration and team driven outcomes Quotes: "Construction loans are a vital part of the fabric Florida Northeast Florida South Georgia." – John Adams "VA construction perm is a game changer for a lot of veterans." – John Adams "Manufactured homeowners are statistically the ones that are in the most underserved market." – John Adams "Affordable is like the key the key word of 2026." – John Adams Connect with John Adams! Website: https://planethomelending.com Website: https://www.johnadamsmortgage.com Connect with me! Website: toprealtorjacksonville.com Website: toprealtorstaugustine.com SUBSCRIBE & LEAVE A 5-STAR REVIEW as we discuss real estate excellence with the best of the best. #MortgageAthlete #ConstructionPerm #VAConstructionLoan #VALoan #VeteranBenefits #OneTimeClose #NewConstruction #LandHomePackage #NoMoneyDown #SoftCosts #InterestCarry #HomeBuild #BuilderDraws #USDALoan #FHAConstruction #ConventionalConstruction #ManufacturedHousing #ModularHomes #AffordableHousing #NassauCounty
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    16 分
  • House Hacking Made Simple: How to Leverage Real Estate

    House Hacking Made Simple: How to Leverage Real Estate
    2026/02/24
    What would change in your life if your home could help pay for itself? In this episode of The Mortgage Athlete Podcast, Tracy Hayes and Tom Reber welcome John Adams to talk about mortgage hacking and how buyers can use real estate strategies like the BRRR method and house hacking to offset the true cost of ownership. John shares how his early years in real estate led to mistakes during the 2008 era, and how renovation and smarter structure helped him claw back and build a repeatable playbook that he later poured into his book. The conversation breaks down who the book is for and why building the right team matters. John explains practical ways to reduce shelter costs through multigenerational living, ADU and efficiency units, and renting strategies that can turn a primary or even a second home into a cost offsetting asset. They close with a reminder that wealth transfer planning matters too, and that the right professionals help turn a home into a long term generational wealth tool. Pick one mortgage hacking move you can act on this week and talk with a trusted lender and realtor about how to structure it the right way. Highlights 00:00 - 01:22 Welcome back and who John Adams is · Show kickoff with Tracy and Tom · John Adams introduction and roles · Mortgage Athlete energy and mindset · Why his lane matters right now · Quick rapport and context 01:22 - 03:18 Cycles feel like 2009 and lessons from 2008 · Market cycles returning in 2026 · Opportunity inventory shows up · Less investor concentration today · John shares mistakes and recovery · Renovation experience becomes the teacher 03:18 - 05:41 What the book covers and who should read it · John explains book purpose · Customer success stories shape it · One program approach to BRRR · Avoiding assumptions on value · Best fit for first time buyers and VA renovation readers 05:41 - 07:25 What house hacking really means today · Offset total cost of ownership · Multigenerational housing examples · ADU or efficiency for boarder income · Tenant plan when you move out · Repeatable path to the next home 07:25 - 08:54 Build your team and think bigger than the mortgage · Importance of trusted professionals · Realtor lender contractor insurance · Compliance reminder results vary · Florida probate and trust awareness · Plan to transition property to heirs 08:54 - 10:11 Closing thoughts and where to learn more · Generational and transitional wealth · Team can include CPA and planners · Have a plan for the inevitable · Thanks and wrap up Quotes: "The BRRR method Kawasaki always been a passion of mine in being able to house hack." – John Adams "House hacking is the ability to buy a home figure out how to offset the cost of it where you're not paying for the total cost of ownership." – John Adams "You always kind of want the smallest house in the best neighborhood or the one that needs the most fixing that's the way you can leverage in equity." – John Adams "If you don't have your home in a trust it will have to go through probate even if you have a will." – John Adams Connect with John Adams! Website: https://planethomelending.com Website: https://www.johnadamsmortgage.com Connect with me! Website: toprealtorjacksonville.com Website: toprealtorstaugustine.com SUBSCRIBE & LEAVE A 5-STAR REVIEW as we discuss real estate excellence with the best of the best. #MortgageAthlete #MortgageAthlete #MortgageHacking #HouseHacking #BRRRMethod #RealEstateInvesting #FirstTimeHomeBuyer #VALoan #VARenovation #RenovationLending #MultigenerationalLiving #ADU #AccessoryDwellingUnit #BoarderIncome #RentalStrategy #SecondHome #ShortTermRental #LongTermRental #GenerationalWealth #WealthPlanning #HomeEquity
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    10 分
  • Renovation Loans Made Simple: Your Dream House at Your Dream Address

    Renovation Loans Made Simple: Your Dream House at Your Dream Address
    2026/02/18
    If the perfect home is priced out of reach, what if the best deal is the house nobody else wants because it needs work? In this episode of The Mortgage Athlete Podcast, Tracy Hayes and Tom Reber talks about Renovation Loans. Renovation loans are becoming relevant again as the market corrects, inventory stays tight, and more homes hit the market needing repairs. John Adams explains how this shift creates opportunity for primary buyers, especially first-time buyers, to purchase properties that need love and roll the upgrades into the mortgage instead of paying out of pocket while living through a construction mess. Tom and John break down how conventional, VA, and FHA renovation options can unlock affordability and value. They cover low down payment conventional renovation for house hacking, a powerful VA renovation path for veterans who have been wrongly told they can only buy perfect homes, and FHA flexibility that can even help solve appraisal gaps while allowing payment abatements and energy improvement allowances. Ask your lender and real estate agent to show you homes that need work, then request a renovation loan strategy so you can buy the deal, upgrade smart, and build equity faster? Highlights: 00:00 - 02:48 Renovation loans comeback and why now Investor pullback creates openingsHomes needing love become opportunitiesStress sale style listings and affordabilityForeclosures and short sales returningRemote work needs like home offices 02:48 - 04:54 Conventional renovation loans and flexibility Works for primary second home and investorsAs little as 5 percent down for primaryUp to four-unit options for house hackingBRRR style equity capture conceptsBundle kitchen bath and code updates 04:54 - 06:46 VA renovation loans for veterans Veterans can buy homes that are not perfectRepairs like roofs and wood rot can be financedZero down plus possible seller concessionsAs improved appraisal unlocks equityLower long term insurance risk with upgrades 06:46 - 08:50 FHA renovation power and appraisal solutions Strong fit for primary occupantsHandles higher renovation amounts110 percent of after improved value conceptPayment abatements to avoid double housingExtra room for energy improvement allowances 08:50 - 09:26 Pro tip for real estate partners Use renovation to solve appraisal debaclesTurn buyer wish list into financed scopeHelp sellers keep deals aliveCreate listings that do not exist yetWin in tight affordable inventory markets 09:26 - 09:41 Closing and key takeaway Renovation loans are seeded not searchedSell the dream with a clear planEmphasize value and usabilityAlign contractor appraisal and scopeWrap up and thanks Quotes: "There's an opportunity in the market today and that's for homes that have a little less love or need that love." – John Adams "We're in a now society, so a lot of folks don't want to have the delayed gratification of waiting on improvements." – John Adams "That is the ticket for a veteran to be able to buy a home and get some equity in a deal on a home." – John Adams "This allows people to start thinking about and outside the box, so stop showing houses, they can create the listing that doesn't exist." – John Adams Connect with John Adams! Website: https://planethomelending.com Website: https://www.johnadamsmortgage.com Connect with me! Website: toprealtorjacksonville.com Website: toprealtorstaugustine.com SUBSCRIBE & LEAVE A 5-STAR REVIEW as we discuss real estate excellence with the best of the best. #MortgageAthlete #MortgageAthlete #RenovationLoans #HomeRenovation #FirstTimeHomeBuyer #RealEstateStrategy #HousingMarket #Affordability #HomeEquity #ConventionalLoans #VALoan #VeteranHomebuyer #FHALoan #AppraisalGap #HouseHacking #MultiUnit #BRRRR #RemoteWorkHomeOffice #ContractorRenovation #RealEstateAgents #LendingTips
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    10 分
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