Uncuffed empowers people in California prisons to tell their own stories. The award-winning collaboration between incarcerated student producers and professional journalists shines light on the human experience of people before, during, and after their prison terms. The new Season 4 is hosted by formerly incarcerated producer Greg Eskridge. https://www.WeAreUncuffed.org
Welcome back to the Fire to Landlord podcast with Jesse Smith and Jerry Lutz! In this episode, we are joined by Johnny Lowy, founder of Align Right Realty, to discuss the journey from being a first-time homebuyer to achieving financial independence through real estate. Johnny shares valuable insights on the importance of understanding the motivations behind buying a home, the benefits of homeownership over renting, and strategic advice on navigating current market conditions. Don't miss this opportunity to learn how to make your dream of owning a home a reality!…
Welcome back to another informative episode of the Fire Your Landlord Podcast with your hosts Jesse Smith and Jerry Lutz. This time, we dive into crucial do's and don'ts while in the process of purchasing your dream home. Jerry offers practical tips to evade common potholes that prospective homeowners often fall into, from applying for new credit to transferring money between bank accounts. When preparing to become a homeowner, your financial habits take center stage. Jerry emphatically advises against applying for new credit, co-signing for others or damaging your credit score by maxing out your credit cards. He also brings awareness to the pitfalls of transferring large sums between accounts and making significant career changes during the mortgage application process. Jesse takes over from Jerry to stress the importance of maintaining timely payments, safeguarding your credit scores and limiting new inquiries. Important tips are shared on why changes in employment during the mortgage application process can create unnecessary complications and delays. To ensure a smooth home purchase journey, Jesse Smith highly recommends keeping your loan officer informed about any vacation plans, as these may impact your financial state and hence the mortgage application. Furthermore, large sums of money need to be deposited in the bank in order to create a clear, traceable path. Equipped with these tips from Jesse and Jerry, you are better prepared for your home-buying journey. For further consultation or any questions, feel free to reach out to the Fire the Landlord contact number at (513) 655-3473. Jesse Smith and the Fire Your Landlord Podcast are here to make the home-purchasing process easier for you.…
Take a crucial step towards owning your dream home in this episode of 'Fire the Landlord'. Join our host, Bill Lutz, along with financial gurus, Jerry Lutz and Jesse Smith. Discover top advice and strategies to pave your way towards financial independence and a home of your own. Jerry initiates the conversation by stressing the importance of credit scores in determining the type of mortgage programs available. Uncover various credit requirements and how understanding your status will guide you better in choosing the program best suited for your needs. Next, delve into understanding your income and its affordability. Recognize the significance of assessing your income, acknowledging your monthly bills, and understanding your debt to income ratio. The discussion debunks the misconception of counting subscription-based expenses towards your affordability calculation. Explore alternate pathways for people with zero credit. Expand your understanding of a ‘manual build’ on credit scores. Recognize the importance of showing a reliable track record of regular payments and gain your chance at becoming a homeowner. Grasp the basics of leveraging additional income sources like "gig jobs" and compare how these incomes are considered differently from regular W-2 employees in the eyes of lenders. Learn about the concept of down payments and gift funds, how they're sourced, and requirements for acquiring them. Potential homeowners will gain clarity on various community programs and grants available for down payments and how they can affect your loan. The conversation also sheds light on key advantages of having higher down payments to save on mortgage insurance payment. Begin your transition from a renter to a homeowner with 'Fire the Landlord'. Reach out to our experts at 513-655-3473 and get the start you need to achieve your dream of homeownership today.…