Best Dda Podcasts (2025)

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watch the 10 year treasury and you will see what interest rates do 5:33

Play Pause

8h ago5:33

5:33

When the 10-year Treasury yield goes down, it generally signals lower interest rates and increased demand for safe-haven assets like U.S. government bonds. Here’s what typically happens across different areas of the economy and markets: 🔻 Why the 10-Year Treasury Yield Drops Increased demand for bonds: Investors buy Treasuries during uncertain time…

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Mixed Use and Multi Family 3:42

8d ago3:42

3:42

Key Characteristics of a Mixed-Use Property: Feature Description Use Types Typically includes residential, commercial, retail, office, and sometimes hospitality or industrial components. Zoning Must be zoned for mixed-use by the local municipality. Layout Different uses are separated vertically (e.g., retail on bottom, housing on top) or horizontal…

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What really happens when the Fed drops the rates? 5:06

14d ago5:06

5:06

Businesses can borrow more cheaply to invest in growth. 💸 2. Consumer Spending Increases Since borrowing is cheaper and savings earn less interest, people are more likely to spend money rather than save it. This can boost demand for goods and services, helping to stimulate economic activity. 🏦 3. Savings Yield Less Savings accounts, CDs, and bonds …

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What about all the disclosures I get during the loan process 4:00

21d ago4:00

4:00

During the mortgage process, several disclosure documents are provided to help you understand the terms of the loan, your rights, and the costs involved. These disclosures are required by law and are designed to promote transparency and protect you as a borrower. Here’s a breakdown of the key disclosures you'll receive: 1. Loan Estimate (LE) When: …

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I Only See in Black and White - A Book by Keara Farnan 25:41

23d ago25:41

25:41

Navigating this often troubled world can be difficult. As an Autistic person who sees things differently, it can be an obstacle course when it comes to even the simple things like making friends. To build herself up and understand her place in the world is the author and person with autism, Keara Farnan.…

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Buying a home and keeping your present home 3:14

29d ago3:14

3:14

Buying a new home while keeping your current one can be a smart investment strategy—but it does come with financial challenges, especially when it comes to managing debt. Here are ways you can offset or manage the debt to make this dual-home scenario work: 🔑 1. Rent Out Your Current Home Offset: Use rental income to cover the mortgage on your exist…

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Audio: Chairperson’s concluding remarks

1M ago

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Trade Policy Review: Norway The eighth review of the trade policies and practices of Norway takes place on 30 June and 2 July 2025. The basis for the review is a report by the WTO Secretariat and a report by the Government of Norway.By WTO

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How does a specific power of attorney work with a mortgage closing 3:48

1M ago3:48

3:48

A Specific Power of Attorney (POA) for a mortgage closing is a legal document that allows one person (the principal) to authorize another person (the agent or attorney-in-fact) to act on their behalf only for the purpose of completing a mortgage transaction—typically when the principal cannot be physically present at the closing. Key Points of How …

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AI and Second Mortgages 6:15

1M ago6:15

6:15

Here’s a simple and clear breakdown of how AI is making second mortgages easier for homeowners and lenders alike: 🔍 What Is a Second Mortgage? A second mortgage lets homeowners borrow against their home's equity, without replacing their existing mortgage. Common types: Home Equity Loan (lump sum) HELOC (Home Equity Line of Credit) 🤖 How AI Makes Se…

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What mortgage programs do we offer 2:44

2M ago2:44

2:44

We offer 2nd mortgages on primary, secondary, and investment properties we do purchases or refinances on Conventional, FHA, VA, and Non- Qm mortgages, We do Reverse Mortgages, Construction Permanent loans, FHA203k, and Conventional Renovation loans. Let me know how we can help you or someone you know tune in and learn at https://www.ddamortgage.com…

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The Feeding Group - Helping Families Navigate ARFID 42:09

2M ago42:09

42:09

ARFID - Avoidant/Restrictive Food Intake Disorder can affect neurodiverse populations more often than typically developed individuals. In this podcast, we chat with Lauren Hershfield and Elise Fairey, who lead a team of experts in diet and nutrition with their business “The Feeding Group”. Their team supports families who have the disorder to lead …

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What else should I know about buying a condo 2:22

2M ago2:22

2:22

Buying a condo is different from purchasing a single-family home, and it's important to understand the unique considerations involved. Here’s a comprehensive list of what you should know before buying a condo: 1. Understand What You're Buying Ownership: With a condo, you own the interior of your unit, but share ownership of common areas (lobby, poo…

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Wally Jackson and the Probability of Love and Car Accidents 36:10

2M ago36:10

36:10

Making a movie is tough. Making one about one's life experiences through the lens of autism, even tougher. We caught up with Austin Wolf, writer and producer of an upcoming independent film, Wally Jackson and the Probability of Love and Car Accidents, which he hopes adds to the greater understanding of the neurodiversity community. And, you know, r…

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With Tariffs and bad auctions should I lock in my interest rate? 3:15

2M ago3:15

3:15

Locking in your interest rate can be a smart move under the right circumstances—especially when there's economic uncertainty, like tariffs, geopolitical tension, or volatile inflation. Here are a few key considerations to help you decide: ✅ Reasons to Lock in Now: Rising Rate Environment: If inflation is persistent and the Fed continues to signal r…

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Where do I do Mortgages? 2:39

2M ago2:39

2:39

I do Residential Mortgages in the State of Florida only, that is where I am licensed. Most of my business is from Pinellas, Hillsborough, and Pasco County. I am doing more loans all over the State as time goes on. I love to go to my closings and will drive up to 1 hour to be there at your closing. I do Fnma/FHMC, FHA, VA, C/p, Nonqm mortgages. On t…

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How to choose a mortgage broker when buying or refinancing 5:04

3M ago5:04

5:04

When choosing a mortgage lender, it's important to carefully compare several key factors to ensure you get the best deal and the right fit for your financial situation. Here’s who you might consider and how to evaluate them: 1. Types of Lenders to Consider Banks: Traditional option; may offer relationship discounts if you have accounts there. Credi…

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How does a Bridge loan work 3:04

3M ago3:04

3:04

A bridge loan is a short-term loan used to "bridge the gap" between buying a new home and selling your current one. It's typically used by homebuyers who need funds for a down payment on a new home before their existing home sells. Here's how it works: You own a current home and want to buy a new one. You haven't sold your current home yet, so your…

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Different options on getting cashout on your investment property 3:47

3M ago3:47

3:47

How it works: Short-term, high-interest loan based on property value, not personal credit. Pros: Fast funding (days instead of weeks). Less strict underwriting. Cons: Very high interest rates (often 8%–15%+). Short loan terms (often 6–24 months). 7. Seller Financing (if you're buying another property) How it works: If you own a property free and cl…

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Don't use all your funds to close on your mortgage, keep some money on the side 3:48

3M ago3:48

3:48

When you're buying a home, it's not just about affording the purchase price or down payment. You’ve got closing costs, moving expenses, and all the “surprise” things that come up after you move in — like needing a new appliance, fixing a plumbing issue, or just furnishing the place. Keeping some cash reserves is smart. A good rule of thumb is to ha…

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Frequently asked questions regarding job history and funds to close on a mortgage 3:51

4M ago3:51

3:51

Are you a salaried employee, hourly, self-employed, or a contractor? Do you receive bonuses, commissions, or overtime? How consistent is that income? Can you provide recent pay stubs, W-2s, or tax returns? Self-Employment (if applicable): How long have you been self-employed? Can you provide two years of business tax returns and profit/loss stateme…

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Rates! Rates! Rates! is it time to refinance your mortgage 4:12

4M ago4:12

4:12

With the recent dip in mortgage rates, you might be contemplating whether refinancing your mortgage is a prudent move. Currently, the average U.S. rate for a 30-year fixed mortgage stands at approximately 6.64%, marking the second consecutive weekly decline . Key Considerations for Refinancing: Interest Rate Reduction: A common guideline suggests …

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Which loan product is better for you if you have lower credit scores when buying a home 3:58

4M ago3:58

3:58

1. FHA Loan (Federal Housing Administration Loan) Credit Score Requirement: As low as 500 (with 10% down) or 580+ (with 3.5% down). Best For: First-time homebuyers and those with lower credit. Pros: Low down payment, flexible credit requirements. Cons: Requires mortgage insurance premiums (MIP). 2. VA Loan (Veterans Affairs Loan) (For eligible mili…

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Where are interest rates today and what do you think will happen 3:37

4M ago3:37

3:37

As of March 24, 2025, the Federal Reserve has maintained the federal funds rate at a target range of 4.25% to 4.50%. This decision reflects the central bank's ongoing efforts to balance economic growth with inflation control. Looking ahead, Federal Reserve policymakers anticipate implementing two quarter-point rate cuts later this year. These pro…

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Warrantable and Non-Warrantable Condos 4:54

4M ago4:54

4:54

The difference between warrantable and non-warrantable condos primarily relates to whether a condominium project meets the eligibility requirements set by Fannie Mae, Freddie Mac, or other government-backed entities like the FHA (Federal Housing Administration) and VA (Veterans Affairs). These classifications impact the availability of financing fo…

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What is happening with Ai and mortgage origination 7:48

5M ago7:48

7:48

AI is transforming the mortgage industry in several ways, making processes faster, more efficient, and more customer-friendly. Here are some key impacts: 1. Streamlining Loan Origination & Underwriting AI-powered algorithms can quickly analyze an applicant’s financial history, credit score, and risk factors, reducing the time it takes to approve lo…

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What is a Reverse Mortgage 4:40

5M ago4:40

4:40

A reverse mortgage is a type of loan available to homeowners aged 62 and older that allows them to convert part of their home equity into cash. Unlike a traditional mortgage, where the homeowner makes monthly payments to a lender, a reverse mortgage pays the homeowner. The loan is repaid when the homeowner sells the home, moves out permanently, or …

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What are all the disclosures that come to you during the loan process 3:59

5M ago3:59

3:59

When you apply for a loan, you receive several important disclosures that outline key terms, costs, and your rights as a borrower. These disclosures are required by law to ensure transparency and help you make informed decisions. Here are some common disclosures you might encounter: 1. Loan Estimate (LE) Provides details about the loan terms, inter…

1
Using rental income only to qualify for a mortgage 6:09

5M ago6:09

6:09

A DSCR loan (Debt-Service Coverage Ratio loan) is a type of real estate investment loan primarily used for income-producing properties. It evaluates a borrower’s ability to repay the loan based on the cash flow generated by the property rather than the borrower’s personal income or credit score. Here’s a breakdown of how it works: 1. Debt-Service C…

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Offering second mortgages on primary, secondary and invrstment properties 3:48

6M ago3:48

3:48

A second mortgage is a loan taken out against a property that already has an existing mortgage. It allows homeowners to tap into their home equity, which is the difference between the home's market value and the amount owed on the primary mortgage. Here are some key points about second mortgages: Types of Second Mortgages Home Equity Loan – A lump …

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Respect - A Chat with Down syndrome Self-Advocate Paul Sawka 30:00

6M ago30:00

30:00

From writing blogs for the Canadian Down Syndrome Society to planning an autobiography, CDSS Awareness Leader, Paul Sawka does it all. We caught up with the staunch self-advocate in Calgary.By communicationsz8

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How to increase your credit score with a rapid rescore 4:34

6M ago4:34

4:34

A rapid rescore is a service offered by lenders to quickly update your credit report with the latest information, potentially improving your credit score in a matter of days rather than waiting for the usual reporting cycle. Here’s how it works: How Rapid Rescoring Works: Correct Errors or Update Balances – If you've recently paid off debt, had inc…

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10% down and possible to get an appraisal waiver 2:50

6M ago2:50

2:50

An appraisal waiver with Fannie Mae (FNMA) is part of their Desktop Underwriter® (DU®) system. It allows eligible borrowers to bypass the need for a traditional home appraisal as part of the mortgage approval process. This can save time, money, and simplify the loan process. Here's a breakdown: What Is an Appraisal Waiver? Definition: It’s an offer…

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Adelle Purdham: I Don't Do Disability and Other Lies I've Told Myself 59:21

6M ago59:21

59:21

Receiving the news that your unborn child has Down syndrome can be a shock to parents. In this Encouraging Abilities podcast, we chat with author Adelle Purdham and her emotionally driven book about what it's like as a parent raising a child with the condition, and how most issues are created largely within ourselves.…

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Isn't it time to get prequalfied for a mortgage 5:34

6M ago5:34

5:34

1. Assess Your Financial Health Credit Score: Check your credit score (usually 620 or higher is required, though higher scores get better rates). Debt-to-Income Ratio (DTI): Calculate your monthly debt payments compared to your gross monthly income (lenders typically prefer a DTI below 43%). Savings: Ensure you have enough for a down payment (typic…

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The Future is Bright - Students Developing Apps to Aid Disabilities 27:31

7M ago27:31

27:31

Not your typical high school students. Jora Singh Nahal and Inbal Tzafrir are motivated and atruistic. The pair of award-winning students are developing applications to benefit the disability community.By communicationsz8

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Is it the right time to buy now 4:10

7M ago4:10

4:10

Down Payment & Savings: A larger down payment can reduce your loan size and help lower the impact of higher interest rates. If you have substantial savings, it could make sense to buy now, as you’ll likely have more equity and lower monthly payments. 2. Long-Term Investment Housing Market Trends: If you plan to stay in the home for several years, y…

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Cadarnhad in 2025 31:12

7M ago31:12

31:12

Iwan talks to John Ewart about Prosiect Cadarnhad and its sister project, Puffin Learning. Midway through the cuurent term of this National Lottery Funded project, John talks about its beginning stages and then discusses future hopes for continuing Agored Cymru accreditation within PLANED. You can find out more about Prosiect Cadarnhad here and als…

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Rising from the Ashes - One Man's Life Turns to Advocacy 48:25

7M ago48:25

48:25

Mike Shoreman was a regular guy running a paddle-boarding business in Ontario until Ramsay Hunt syndrome struck him down and forced him to re-evaluate his life. Since then he has become a staunch advocate for the disability and mental health communities, showing how overcoming adversity is in all of us. TRANSCRIPT Evan: so welcome back to DDA encou…

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Eliminate your home sales contingency? 2:29

7M ago2:29

2:29

What if you had access to a solution that allows your clients to eliminate their home sales contingency? They could make non-contingent or cash offers on a new home, while also removing their current mortgage payment from qualification. This would enable them to tap into their home equity for down payments, closing costs, or even debt payoff—all wh…

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working with small businesses is so important and when it comes from a realtor, that is key 6:19

7M ago6:19

6:19

Working with small businesses in your community is a great way to build local relationships, foster economic growth, and contribute to the development of the area. Here are several ways you can collaborate and support small businesses: 1. Support Local Shopping Buy Local: Make an effort to purchase from small businesses rather than large chains. Th…

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Are you having diffuclty qualifying for a mortgage, let me help 3:49

7M ago3:49

3:49

To structure your loan effectively and qualify for a mortgage, there are several steps you can take to improve your financial situation and increase the likelihood of approval. Here’s a comprehensive guide: 1. Check Your Credit Score Why it matters: Your credit score plays a significant role in mortgage approval. Lenders typically prefer a score of…

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Not all questions are being answered on the condo questionnaire which is creating a major problem 3:29

7M ago3:29

3:29

A condo questionnaire is a critical document that lenders use during the mortgage approval process for condominium purchases. It provides detailed information about the condo complex's financial health, rules, regulations, and overall condition. Problems with the condo questionnaire can create delays or complications during the closing process. Her…

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Which is better to close in December or January for the property taxes 2:36

8M ago2:36

2:36

Closing in December: Tax Deduction for Current Year: If you close in December, you may be able to deduct property taxes and mortgage interest on your current year’s tax return. This can reduce your taxable income and potentially lower your overall tax liability. Pro-rated Taxes: At closing, you’ll typically reimburse the seller for property taxes t…

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What is my prediction for interest rates in 2025 4:44

8M ago4:44

4:44

Predicting interest rate movements in 2025 depends on various economic factors, including inflation, employment trends, central bank policies, and global financial conditions. Here's a general overview: Key Factors Affecting Interest Rates: Inflation: Central banks like the Federal Reserve adjust interest rates to manage inflation. If inflation sta…

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WE can close your loan in December 2:51

8M ago2:51

2:51

We can close your loan in December, we need just a min of 2 weeks and we all work together loan application taken appraisal ordered documents uploaded, title work ordered insurance chosen We can make it happen based on teamwork and working together Our process is stream-line to where we move on all cylinders and concentrate on meeting all closing d…

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what happens with lower appraised values on FHA, Conventional, and 4:24

8M ago4:24

4:24

When a property appraisal comes in lower than the agreed-upon purchase price, it can complicate financing for the buyer. Here's what typically happens for FHA, Conventional, and VA mortgages: 1. FHA Mortgages Impact of a Low Appraisal: The loan amount is limited to the lower of the purchase price or the appraised value. A low appraisal means the bu…

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Small Business Emergency Bridge Loan 3:51

9M ago3:51

3:51

The Florida Small Business Emergency Bridge Loan Program is a state-funded short-term loan program that provides immediate, temporary assistance to small businesses impacted by a disaster, such as hurricanes, floods, or other emergencies. Administered by the Florida Department of Economic Opportunity (DEO), the program is designed to "bridge the ga…

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BC Artist and Author Creates Kids' Books that Focus on Diversity 35:56

9M ago35:56

35:56

Roz Maclean is a wonderful artist who hails from the Comox Valley. She has turned her passion and vision into a successful line of children's books that teach inclusion and diversity. www.rozmaclean.com TRANSCRIPT Evan: welcome back to DDA encouraging abilities podcast. I'm your host. DDA communications manager Evan Kelly, today, we're talking with…

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1% down to purchase a home with the lender giving you 2% down, tune in 3:57

9M ago3:57

3:57

Lender's 1% Down Payment program is designed to make homeownership more accessible for eligible first-time buyers by lowering the upfront costs typically required for a mortgage. Here's a breakdown of how the program generally works: How It Works 1% Down from the Borrower: The borrower contributes just 1% of the home purchase price as a down paymen…