Mortgage 101: Unlocking The Basics Of Home Financing BRICKbyBRICK: Building Homeownership W/ Suzi Beaver podcast

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Mortgage 101: Unlocking the Basics of Home Financing

23d ago 7:14

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Did you know that over 60% of homebuyers don’t understand the difference between fixed and adjustable-rate mortgages? In this episode of BRICK by BRICK: Building Homeownership, Suzi Beaver, your energetic branch manager at Castle & Cooke Mortgage in Marshville, NC, breaks down the essentials of mortgages with passion and care!

Join Suzi as she guides first-time buyers through a relatable journey from college graduation to homeownership.
Learn what a mortgage is: an agreement where a lender can take the property if you don’t repay the borrowed money plus interest.
Explore key terms like PITI, HOA fees, and mortgage insurance.
Discover the differences between:
- Fixed-rate mortgages
- Adjustable-rate mortgages
- Government-backed loans
- Conventional loans
- Non-QM loans
Get the insider scoop on the mortgage application process:
- Pre-approval: a sneak peek at how much you can borrow, showing sellers you’re serious.
- Documents needed: proof of income, employment, and assets (pay stubs, tax returns, bank statements).
- Credit score: your financial report card—higher scores mean better rates (hint: future episode covers improving it!).
Suzi shares expert tips for first-time buyers:
- Get pre-approved with a lender before a realtor.
- Treat your first home as a starter home, not your forever home.
With 30+ years of mortgage experience, Suzi emphasizes choosing a lender who listens to your unique story, because everyone has the right to own a home!

Tune in, like, and subscribe for weekly empowering content to build your homeownership journey, brick by brick!

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Blessings!

Suz

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6 episodes

Join Suzi as she guides first-time buyers through a relatable journey from college graduation to homeownership.
Learn what a mortgage is: an agreement where a lender can take the property if you don’t repay the borrowed money plus interest.
Explore key terms like PITI, HOA fees, and mortgage insurance.
Discover the differences between:
- Fixed-rate mortgages
- Adjustable-rate mortgages
- Government-backed loans
- Conventional loans
- Non-QM loans
Get the insider scoop on the mortgage application process:
- Pre-approval: a sneak peek at how much you can borrow, showing sellers you’re serious.
- Documents needed: proof of income, employment, and assets (pay stubs, tax returns, bank statements).
- Credit score: your financial report card—higher scores mean better rates (hint: future episode covers improving it!).
Suzi shares expert tips for first-time buyers:
- Get pre-approved with a lender before a realtor.
- Treat your first home as a starter home, not your forever home.
With 30+ years of mortgage experience, Suzi emphasizes choosing a lender who listens to your unique story, because everyone has the right to own a home!