Saving Big with Homebuyer Credits and Lower Rates
Release Date: 11/18/2024
Dream Home, Clean Credit: Your Guide to Getting Both
The Financial Rebound Podcast
Most homebuyers think good credit is enough to get a mortgage. But that 750 score? It might still get denied. In this episode, I bring on Sam Parker, co-founder of My Credit Guy, to cut through the confusion. We talk about credit repair scams, why DIY bots won’t fix your score, and how focusing only on deletions sets buyers up for failure. Sam breaks down the full process of getting mortgage-ready, from proper debt paydown strategies to avoiding the #1 mistake that tanks scores, closing out credit cards. If you're serious about buying a home and want to make sure your...
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The Property Tax Trap: The Hidden Cost Homebuyers Aren't Told
The Financial Rebound Podcast
Buying a home can feel like a dream until the tax bill hits. And most buyers never see it coming: property tax uncapping. In this episode, I team up with Christine Lucian, Founder of Property Tax Academy, to expose what real estate pros often miss. We dig into why seller taxes aren't your taxes, how uncapping works, and what simple questions could save you thousands of dollars. You’ll also hear real stories of buyers blindsided by five-figure tax hikes and how it all could have been avoided. If you’re buying, selling, or planning your mortgage, learn the one question...
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From Survival to Scaling: Built a Construction Brand with Purpose and Grit
The Financial Rebound Podcast
Construction projects often go awry due to missed deadlines and costly mistakes. In this episode, I speak with Sterling Hughey, the founder of Sterling Construction. He shares his journey of building a powerful construction brand after nearly losing everything. Sterling explains how punctuality and a clear system can distinguish professionals in the field. We also discuss the red flags homeowners should look out for when hiring a builder, the importance of straightforward contracts, and what effective communication truly means. You’ll learn how to choose the right builder! So,...
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Turning Setbacks into Systems: How AI Is Reshaping the Game of Business
The Financial Rebound Podcast
You don’t have to choose between hustle and peace of mind. You just need the right systems with AI. In this episode, I sit down with Luke Shankula, CEO of Loans on Demand and founder of Direct Authority AI, to talk about how a major business setback helped him create systems that fueled growth. We talk about using AI to save time, get better information, and make smart financial moves. Learning how to organize your info, ask the right questions, and use AI tools to plan better. Use AI as your assistant, not your replacement. Don’t miss this episode of The Financial...
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More Than a Realtor: The Real Story Behind Success in Real Estate with Brittany Racine
The Financial Rebound Podcast
Buying a home is one of the biggest decisions you’ll ever make. And it’s not just about the house or the mortgage—it’s about your mindset. In this episode, I talk with Brittany Racine, real estate agent at Real Estate One, about what it really takes to succeed in real estate and life. We talk about what keeps people from moving forward: doubt, fear, and listening to the wrong voices, and how Brittany found clarity by learning to trust herself again. You need to block out the noise, focus on your goals, and know when it’s time to act. Whether it’s...
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Mastering Mindset Shifts for Real Estate Triumph
The Financial Rebound Podcast
The right mindset can make or break your success in real estate. In this episode, I'm joined by Giovanna Special, a Real Estate Agent with License ID: 324253, one of Michigan's top real estate agents, to uncover the transformative power of mindset shifts in achieving real estate success. Together, we delve into how embracing challenges, cultivating resilience, and shifting your perspective from obstacles to opportunities can lead to remarkable outcomes. Giovanna shares key mindset shifts that every aspiring homebuyer, seller, or real estate professional should...
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The Mortgage Strategies Most People Miss Out On
The Financial Rebound Podcast
When buying a home, understanding mortgage strategies can mean the difference between financial success and falling into common pitfalls. In this episode, I sit down with my good friend and mortgage industry expert, Rob Ziebart, Branch Manager of Landmark Mortgage Planners (NMLS #305375). Together, we uncover the mortgage strategies most people overlook. Rob offers valuable insights into leveraging home equity, strategic equity repositioning, and why the conventional wisdom of paying off your mortgage early might not always be the best approach. We also address common...
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How Personal Growth Fuels Real Estate Mastery
The Financial Rebound Podcast
Real estate is more than buying and selling properties—it's a personal and professional growth journey. In this episode, I sit down with Cody Roark, Real Estate Specialist at Epique Realty, to explore how personal transformation can shape success in the real estate industry. Cody shares his inspiring journey from being a casino dealer to becoming one of Michigan's most sought-after real estate agents. We also dive into the crucial role of understanding your options as an aspiring homebuyer, whether you plan to buy soon or prepare for the future. As Cody puts it, "Sometimes...
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Key Mindset Principles For Success
The Financial Rebound Podcast
Success starts with the right mindset. Whether buying a home or striving for personal growth, how you think can make all the difference. In this episode, I sit down with my mentor, Anthony Casillas, to break down the key mindset principles for success. With over 32 years in the mortgage industry, he knows exactly how powerful a positive perspective can be for success. We dive into practical strategies that help homebuyers and real estate professionals develop consistency, overcome self-imposed blockages, and stay true to their goals. Learn how to build a...
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Buying a Home? Avoid These Common Mistakes
The Financial Rebound Podcast
Buying a home is one of the most significant financial decisions you'll ever make, but it's also one of the trickiest. In this episode, Mike Hajjar is joined by top Real Estate Agent Stephanie Sacco and Property Tax Assessor Christine Lucian to dive into some of the homebuyers' biggest mistakes and how to avoid them. From waiting for interest rates to drop to misunderstanding how property taxes work, they discuss the pitfalls that could cost homebuyers more than expected. You'll get practical advice on navigating interest rates, property taxes, and timing your...
info_outlineBuilder credits and smart mortgage strategies can significantly reduce your monthly payments, saving you money right from the start.
In this episode, I talk with Stephanie Sacco of Michigan Power Brokers and Ray Nouhan III of Allen Edwin Homes about how first-time homebuyers and investors can benefit from using builder credits to lower their interest rates through a 2-1 buy-down strategy. This approach can cut your mortgage rate by up to 2% in the first year, saving you hundreds each month.
We’ll walk you through how it works and explain why this is a game-changer for anyone looking to make their home purchase more affordable.
If you're ready to save big on your next home, don't miss this episode. Tune in now to learn how you can start saving!
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Mike Hajjar is a seasoned Mortgage Advisor with over 17 years of lending experience, having successfully guided more than 2,500 families through the home loan process. His approach to mortgage planning goes beyond the transaction, focusing on long-term financial freedom by helping clients select the right mortgage, debt, and cash-flow strategies. Known for his integrity, transparency, and trust, Mike builds lifelong relationships with clients, offering support before, during, and well after the transaction. At Landmark Mortgage Planners, Mike's team leverages in-house underwriting, local appraisers, and a streamlined system to ensure loans close quickly—often in as little as 14 days. Whether working with first-time homebuyers, veterans, or retirees, Mike's commitment to communication and professionalism makes him a trusted advisor for all.
Mortgage Advisor NMLS# 382906
Website: https://www.afncorp.com/
LinkedIn: https://www.linkedin.com/in/mikephajjar/
Instagram: https://www.instagram.com/mikehajjar_mortgage/
Facebook: https://www.facebook.com/thefinancialrebound
Youtube: https://www.youtube.com/channel/UCnZXFuubVNOsYiZEodZ7kzQ
TikTok: https://www.tiktok.com/@mikehajjar
Twitter/X: https://x.com/MikePaulHajjar
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Stephanie Sacco is the Broker Owner of Michigan Power Brokers, bringing over 30 years of real estate expertise in the Metro Detroit area. With deep market knowledge, master negotiation skills, and a passion for client communication, Stephanie is dedicated to helping clients achieve their real estate goals—whether they are buying, selling, investing, or leasing. Her personalized approach has built lasting relationships, resulting in consistent referrals and repeat clients year after year. From your first conversation to closing and beyond, Stephanie is committed to delivering an exceptional customer experience, leveraging her vast understanding of local communities, school systems, and housing options to meet the diverse needs of her clientele.
Website: https://stephaniesaccosells.com/
LinkedIn: https://www.linkedin.com/in/stephanie-sacco-a06a29153/
Instagram: https://www.instagram.com/stephanie.sacco.sells
Facebook: https://www.facebook.com/stephaniesaccosellsrealestate/
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Ray Nouhan III is a dedicated Sales Consultant at Allen Edwin Homes, where his passion for people and personal service shines through in every interaction. With a strong commitment to understanding his customers' needs and concerns, Ray works tirelessly to make each home-buying experience exceptional. Bringing his expertise and enthusiasm to Michigan’s #1 builder, Allen Edwin Homes, Ray is focused on helping clients find their perfect home. As a graduate of Grant Cardone University, Ray incorporates top-tier sales training into his approach, ensuring professional and personalized service every step of the way.
Website: https://www.allenedwin.com/
LinkedIn: https://www.linkedin.com/in/raynouhaniii/
Instagram: https://www.instagram.com/raynouhan3
Twitter: https://x.com/AllenEdwinMI
Facebook: https://www.facebook.com/Raynouhan3/
Youtube: https://www.youtube.com/channel/UCYkroSvI-748GvFoNFb--vw
#Finance #FirstTimeHomeBuyer #AffordableNewHomes #RealEstateInvesting