In this episode, Rich talks with Michael Sieja (“Mortgage Mike”) about how to navigate the home lending process smarter. Whether you’re a first-time buyer, refinancing, or tapping your home equity, they break down different mortgage options, what documents to prepare, why your credit score matters, and the best strategies to strengthen your offer.

Takeaways:

• Understand mortgage options: conventional, FHA, VA, HELOCs
• How much you should really put down
• The surprising impact of credit scores on loan approval
• PMI: what it costs and when it ends
• Using home equity lines smartly
• Why pre-approvals (& commitment letters) matter
• How to shop smarter beyond your local bank

Want to Know More About Our Guest?
Michael Sieja, Mortgage Loan Originator
CrossCountry Mortgage
[email protected]
+19145758304
Website
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Michael Sieja is a dedicated loan officer based in Purchase, NY, helping clients navigate the mortgage process with clarity and confidence. With over two decades of experience, Michael and his team at CrossCountry Mortgage offer a wide range of home financing options, including conventional, FHA, VA, and unique specialty programs. His commitment is simple: to guide each client through every step, from pre-approval to closing, with straightforward advice and personalized support.

Disclaimer: Examples and information provided in this interview are for illustration purposes only and are not intended to provide mortgage or other financial advice specific to the circumstances of any individual and should not be relied upon in that regard. All loans subject to underwriting approval. Certain restrictions apply. Call for details. All borrowers must meet minimum credit score, loan-to-value, debt-to-income, and other requirements to qualify for any mortgage program. CrossCountry Mortgage, LLC NMLS3029 NMLS64666 (www.nmlsconsumeraccess.org). Equal Housing Opportunity.

Filmed and recorded at Studio on the Avenue/LMC Media
Mamaroneck, NY
https://lmcmedia.org/
Produced and Edited by Vekterly
https://www.vekterly.com/
Disclaimer: This podcast is for informational and educational purposes only and should not be considered as financial advice, a recommendation for any specific investment, strategy, or financial decision, or legal advice. By engaging with this material, you acknowledge and agree with its intended purpose. Any examples provided are hypothetical and for illustration purposes only. Neither Rich Leimgruber, the EnRich Your Life Podcast, nor its representatives are advising or suggesting any specific action or decision. Before making any financial, legal, or tax decisions, individuals should consult their own financial advisor, accountant, legal professional, or other qualified professional before making financial decisions. All opinions expressed are those of the host and guests and do not reflect the views of any affiliated financial institutions. The views shared may not be suitable for every individual or situation. Past performance is not indicative of future results, and all investments carry risk. Please note that any strategies discussed may not be suitable for all investors, and the appropriateness of any specific investment or strategy will depend on individual circumstances.