Episode 37 — Bricks, Bucks & Buying Power

With Dave Stead, Jen Fox & Kerry Morton

In this episode, we’re breaking down one of the most important (and misunderstood) parts of the buying process: financing. Whether you're a first-time buyer, an investor, or just real estate-curious, understanding how lending works—and how to use it strategically—can change everything.

To unpack it all, I brought in a powerhouse trio of local lending experts: Dave Stead, Jen Fox, and Kerry Morton. These three know the market, know the numbers, and—maybe most importantly—know how to talk to clients like real people.

💡 What We Talked About:

We covered a lot of ground in this one—from credit scores and debt-to-income ratios to the role local lenders play in making or breaking deals. But one core message came through: buying power isn’t just about your bank account—it’s about your team, your timing, and your mindset.

Here are just a few of the key takeaways:

• Local lenders vs. big banks: Why working with a local expert can make the process smoother, faster, and less stressful for everyone involved.

• Credit confusion: The difference between what you think your credit score is and what actually matters to a lender.

• Pre-approval myths: What it really means to be "pre-approved" and why it's more than just an online form.

• Debt-to-income ratios: How this number is calculated, and why buyers with student loans or other debts aren’t automatically disqualified.

• Mindset shifts: How to move away from "waiting for rates to drop" and instead focus on buying smart now—with the option to refinance later.

🎧 Whether you're a seasoned investor or just curious about building wealth, this episode delivers real-world takeaways, watch on YouTube or listen wherever you get your podcasts!

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