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If you have questions about the mortgage process of buying a home or the ins and outs of refinancing then this is the show for you. Join CrossCountry Mortgage Regional President Bill Litton as he breaks down key lending terms, answers listener questions, and provides you tons of tips and education about the mortgage world. You could save thousands of dollars on your next mortgage decision just by tapping into some of the great information on the Smart Mortgage Show. Schedule a time to meet w ...
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Talking Grit: A Detroit Lions Podcast

Jacob Litton and Jason Harwood

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Are you looking for a Detroit Lions podcast where the hosts give their honest opinions and don't shout over each other and give ridiculous hot takes? If you are, then welcome to Talking Grit. Hosts Jason Harwood and Jacob Litton share their thoughts on the latest Detroit Lions news and games. It's real football talk for real Detroit Lions fans.
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You’ve found your dream house, the one you’ve been hoping for. But there’s one problem: you’re not pre-approved. In a market where homes can go under contract in hours, hesitation can cost you everything. Many buyers assume they can get pre-approved on the fly, but is that realistic? Bill breaks it all down and shares how you can be ready to make t…
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Send us a text Summary In this episode of Talking Grit, Jason Harwood and Jacob Litton discuss various aspects of coaching changes, and team dynamics. They delve into insights from coordinators and coaches, focusing on defensive strategies, player roles, and offensive strategies. The conversation also touches on the use of trick plays and the impor…
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Is owning a home still possible for the average family or has it become out of reach? For parents trying to raise kids, build stability, and plan for the future, understanding what it really takes to buy a home is more important than ever. In this episode, we’ll look at new research from Realtor.com showing how much a family of four in Pennsylvania…
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Send us a text Summary In this episode of Talking Grit, hosts Jason Harwood and Jacob Litton celebrate the one-year anniversary of their podcast. They discuss the Detroit Lions' upcoming schedule, including prime time games, bye weeks, and tough stretches. The hosts analyze potential trap games and highlight the matchups players are looking forward…
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Home values across the country have been on the rise for the past five years, and Pennsylvania has been outperforming the national average. Today we’re going to dive into eye-opening data on 50 towns across the state, revealing just how much home values have climbed in recent years. Here’s what we discuss in this episode: 🏡 Rent vs. buy: why owners…
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Send us a text Summary In this episode of Talking Grit, hosts Jason Harwood and Jacob Litton welcome special guest Tom Grossi, a prominent NFL fan and YouTube creator. The conversation covers Tom's experiences as an NFL fan, his journey through 30 stadiums in 30 days, and his insights into the NFL Draft and the Green Bay Packers' offseason moves. T…
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With Fed decisions, mortgage rate fluctuations, and rising buyer interest, May is already shaping up to be a dynamic month. In this month’s market update, Bill shares the latest market trends, including the Fed’s decision to hold rates steady and how mortgage applications continue to rise year over year, even amid economic uncertainty. Here’s what …
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Send us a text In this episode of Talking Grit, hosts Jason Harwood and Jacob Litton celebrate reaching a milestone on their podcast. They delve into the recent Kerbycontract, discussing its structure and implications for the Lions' salary cap. The conversation shifts to the need for an edge rusher, analyzing the Lions' defensive strategy and the p…
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Send us a text In this episode of Talking Grit, hosts Jason Harwood and Jacob Litton discuss the recent NFL Draft, focusing on the Detroit Lions' picks and their experiences at Ford Field during the draft weekend. They analyze the Lions' selections, including Tyliek Williams, Tate Ratledge, and Isaac Tesla, while sharing their thoughts on the playe…
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Traditionally, homebuyers have targeted 20% as the ideal down payment but does that still hold true today? We meet with people all the time who want to know how much they need to put down on a home, so let’s look at the current trends nationally and talk about what percentage might be best for you. Here’s what we discuss in this episode: 📉 Why 68% …
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Send us a text In this episode of Talking Grit, hosts Jason Harwood and Jacob Litton, along with guest Morgan Cannon, discuss the latest developments in Detroit sports, focusing on the Lions, Pistons, and Tigers. They delve into Kerby Joseph's record-setting contract, the implications for the Lions' defense, and the ongoing trade rumors surrounding…
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Going through a divorce is incredibly emotional and it brings a lot of uncertainty, especially around housing. Trying to figure out what to do next about where to live is stressful. So what do you need to know if you’re trying to buy a home during or after a divorce? This is a highly sensitive time and we want to help you avoid the common pitfalls …
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Send us a text In this episode of Talking Grit, hosts Jason Harwood and Jacob Litton discuss the upcoming NFL Draft, player updates, jersey number changes, and insights into the Lions' draft strategy. They reflect on their weekend experiences, analyze edge players in free agency, and share thoughts on the new NFL uniform rules. The conversation als…
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With interest rates fluctuating, many homeowners are considering refinancing, but it’s essential to approach this decision with caution. People often ask us about what they need to know so they can avoid making any mistakes during the process. From paying unnecessary points to chasing misleading online rate quotes, Bill walks through real-life exam…
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Send us a text In this episode of Talking Grit, hosts Jason Harwood and Jacob Litton welcome Erik Schlitt, managing editor at Pride of Detroit, to discuss the Detroit Lions, their offseason strategies, and the upcoming NFL draft. Erik shares his journey as a Lions fan, his insights on player comparisons between the Lions and Tigers, and his thought…
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It’s time for a much-needed update on the mortgage market for April 2025. With ongoing uncertainties driven by tariffs, inflation, and market volatility, we’ll explain how these factors are impacting mortgage rates and what potential homebuyers and homeowners need to know. Here’s what we discuss in this episode: 🏡 Increased Inventory: More homes on…
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Send us a text In this episode of Talking Grit, hosts Jason Harwood and Jacob Litton discuss the latest happenings in the NFL and NBA, including the Lions' recent player moves, the Pistons' game reactions, and the implications of celebration bans in football. They delve into player contracts, team dynamics, and share their opinions on sportsmanship…
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Is a lender credit a smart way to save money on your mortgage, or does it cost you more in the long run? In this episode, Bill explains how lender credits work, when they make sense, and when you should avoid them. A lender credit can help cover closing costs, but it comes with a trade-off: a higher interest rate. Bill shares real-life scenarios, i…
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Send us a text In this episode of Talking Grit, hosts Jason Harwood and Jacob Litton discuss their weekends, local sports achievements, and the latest updates on the Detroit Lions' free agency. They delve into the Lions' cornerback room, analyzing player performances and expectations for the upcoming season. The conversation highlights the importan…
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The decision to rent or buy gets tougher as your time horizon gets shorter. At what point does the pendulum swing from buy to rent? Today we’re going to talk about a specific scenario where someone plans to move to a new city for five years. Would they be better off renting or buying? Bill breaks down the key factors and runs the math to help answe…
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Send us a text In this episode of Talking Grit, hosts Jason Harwood and Jacob Litton discuss the latest developments in NFL free agency, focusing on the Detroit Lions' signings and player movements. They highlight key signings such as Levi Onwuzurike and DJ Reed, analyze the implications of these moves, and reflect on the attitudes of new players j…
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If you're selling a home and planning to use your equity to pay off debt before buying a new home, what’s the best way to handle the transition? In this episode, we’re going to look at the two common scenarios where home sellers need to pay off debt—either by necessity to qualify for a mortgage or by choice to improve their financial situation – an…
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Send us a text In this episode, Jason and Jacob discuss the latest developments in NFL free agency, focusing on the Detroit Lions' strategic moves, including the signing of cornerback DJ Reed and the re-signing of linebacker Derrick Barnes. They analyze the implications of these signings, the competition in the NFC North, and the potential future c…
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Uncertainty is the theme of the month as mortgage rates, economic policies, and market conditions continue to shift. In this episode, Bill provides a timely March market update, breaking down how recent policy changes, employment trends, and inflation rates are shaping the mortgage industry. Here are some key takeaways from the show: 📉 Mortgage rat…
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Send us a text n this episode, Jason and Jacob discuss various topics surrounding the NFL, including the recent NFL Combine, player performances, and the Lions' draft strategy. They delve into the results of the NFLPA survey, highlighting the Lions' grades and areas for improvement. The conversation shifts to free agency predictions, potential play…
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Send us a text In this episode of Talking Grit, Jason Harwood and Jacob Litton delve into the complexities of the NFL salary cap, particularly in relation to the Cleveland Browns and their star player, Miles Garrett. They discuss the implications of Garrett's contract, the potential for a trade, and the compensation that would be required. The conv…
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In this video, we’re going to play lively game of "Overrated, Underrated, or Rightly Rated?" with Bill Litton, regional president at Cross Country Mortgage. Join us as we tackle key concepts that every potential homebuyer should understand. This episode explores various aspects of homebuying, from credit scores to pre-qualifications, real estate ag…
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Send us a text Talking Grit is joined by Meko Scott and Morgan Cannon from Pride of Detroit. The boys pick there favorite plays of the season in a "fantasy" draft style. Re-live the best plays from 2025 Detroit Lions season. Want to support us? Item Shop Visit us on Facebook Visit us on X: @talkinggritpod Jason - @Jason_TGPod Jacob - @jmallitton Yo…
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Send us a text Join Jason Harwood and Jacob Litton as they discuss the new coaching staff, Aiden Hutchinson, and Jamo. What will they be looking for at the combine. Want to support us? Item Shop Visit us on Facebook Visit us on X: @talkinggritpod Jason - @Jason_TGPod Jacob - @jmallitton YouTube Talking Grit Website Talking Grit Subreddit Email Us: …
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When it comes to buying a home, many couples assume that applying for a mortgage together is the best route to take. While that might be true for some, some couples are better off going the individual route. Today we’ll take you through the key pillars of a mortgage loan and explain how they’re evaluated in a joint application. Here’s what we discu…
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For many prospective homebuyers, the path to homeownership begins with securing a pre-approval, which not only indicates how much you can borrow but also sets the stage for a smoother homebuying experience. Once you’ve been pre-approved, how much information do you need to share with your lender before the closing date arrives? Today we’re going to…
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Send us a text In this episode of 'Talking Grit,' co-hosts Jason Harwood and Jacob Litton discuss various topics. They review the NFL awards and Super Bowl game, sharing their setups and game experiences. They analyze the Super Bowl commercials and key plays, highlighting controversial calls while expressing their disdain for Super Bowl parties. Th…
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It’s been a busy first few weeks of the year as the Trump administration takes office and gets to work. What’s the latest as it relates to the mortgage world and homebuying? Hear from Bill Litton at Cross Country Mortgage on economic changes, interest rates, and the impact of federal policies on home buying. Here’s what we discuss in this episode: …
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Send us a text In this episode of 'Talking Grit,' hosts Jason Harwood and Jacob Litton discuss various topics related to the Detroit Lions during the NFL offseason. They begin by examining the newly released list of the top 50 free agents and how these potential acquisitions could affect the Lions and their division rivals. The conversation then sh…
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One of the main pillars for securing a loan is income and a strong housing market means you might need a little more to qualify for the home you have your eyes on. Can picking up a second job help you qualify and how long do you need to have it before it starts counting towards your application? Today we’re talking all about income and the factors …
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Send us a text In this episode of 'Talking Grit,' Jason Harwood and Jacob Litton dive into the eventful offseason of the Detroit Lions. They are joined by Morgan Cannon, who shares his insights. The discussion covers the loss and hiring of coaches, including Morgan's article 'Pain is Part of the Process.' The conversation shifts to evaluating Aaron…
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One ​of ​the ​biggest ​questions, ​first ​time ​home ​buyers ​have ​is ​how ​much ​can ​I ​actually ​afford? Today ​we're ​going ​to ​​look ​at a specific ​situation ​and a common scenario for young couples, ​break ​down ​the ​numbers, ​and discuss how to determine how much they can afford. And that’s the most important thing because what you are a…
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Send us a text Jason Harwood and Jacob Litton from 'Talking Grit' discuss the Detroit Lions' crushing loss to the Washington Commanders, plunging the Lions into their off-season. They go through the stages of grief regarding the loss, sharing personal experiences and reactions. Both highlight key game incidents, such as a controversial non-call on …
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Is 2025 the year you hope to buy your first home? It looks like it could be a good year for homebuying and you want to be prepared when the time comes to put an offer in on that dream house. But if you’ve never bought a home before, you might not know what the first step should be. In our latest episode, we’ll explain why the most important first s…
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Send us a text Podcast hosts Jason Harwood and Jacob Litton discuss the Detroit Lions' upcoming playoff game against the Washington Commanders. The hosts interview Steve Lim and Dev from the Command This Podcast to get insights on the Commanders. Key highlights include a review of the Lions' all-pro team selections, high ticket prices for the game,…
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Send us a text In this episode of 'Talking Grit,' hosts Jason Harwood and Jacob Litton discuss the Detroit Lions' playoff outlook, having clinched a first-round bye. They welcome guest Morgan Cannon to review the team's recent victory and delve into topics such as the coaching carousel, NFC quarterback rankings, and potential playoff opponents. The…
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As we step into 2025, the mortgage landscape is evolving, and understanding the market trends is key for prospective homebuyers and those considering refinancing. We’re kicking off the new year by sharing expectations for interest rates, some important economic indicators, and mortgage planning strategies. Here’s what we discuss in this episode: 0:…
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Send us a text In this episode of Biting Recaps with hosts Jason Harwood and Jacob Litton, the duo dive into the Lions' season finale win over the Vikings. They discuss the game play-by-play, highlighting the Lions' dominant performance, Goff's clutch throws, and Gibbs' record-breaking touchdowns. They debate Dan Campbell's qualifications for Coach…
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Send us a text The script discusses the Detroit Lions' Pro Bowl selections, a significant representation for the team. Highlighted players include Jared Goff, Amon-Ra St. Brown, Frank Ragnow, Penei Sewell, Jack Fox, Jahmyr Gibbs, and Brian Branch. The discussion emphasizes KerbyJoseph's significant performance as a safety, his Pro Bowl snub, and sp…
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Send us a text In this episode of Talking Grit, hosts Jacob and Jason preview the upcoming Week 18 matchup between the Detroit Lions and the Minnesota Vikings, a game with critical implications for the NFC North division title and playoff seeding. The hosts discuss the importance of the game, key players and injuries, and strategies the Lions need …
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Send us a text In this episode of 'Biting Recaps' on Talking Grit, hosts Jason Harwood and Jacob Litton, joined by guest Morgan Cannon from Pride of Detroit, discuss the Lions' exciting 40-34 victory over the 49ers in Week 17. The discussion delves into player performances, particularly focusing on Christian Mahogany and Melifonwu's recent games. K…
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Send us a text In this episode of 'Talking Grit,' hosts Jason Harwood and Jacob Litton discuss the Lions' upcoming Monday Night Football matchup against the 49ers, revisiting the site of last season's NFC Championship game. They start with a light-hearted segment on their new Lions-themed Christmas gifts. They also talk about Teddy Bridgewater's su…
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As we approach the new year, many of us are setting goals and making plans for 2025. For some, this might mean taking the exciting step of purchasing a new home. Whether you're a first-time buyer or looking to refinance, we want you to be well-prepared for the journey ahead. In our latest show, we’ll give you three essential homebuying tips for the…
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Send us a text In this episode of Talking Grit, hosts Jason Harwood and Jacob Litton celebrate the Detroit Lions' 34-17 victory over the Chicago Bears, bringing their record to an unprecedented 13-2. They analyze the Lions' chances of clinching the NFC North and a top seed in the playoffs, highlighting key performances by players like Jared Goff, J…
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Navigating the complex world of home buying can be especially challenging when unique situations arise that don’t fit the traditional mortgage mold. Sometimes there are unique buying situations that you need to overcome, and a good lender will help you find the right solutions. In this show, Bill discusses common challenges like managing debt-to-in…
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