Your Mortgage Matters

Everyone loves a complicated story with a happy ending. That is what this podcast is about! Challenging loan scenarios that were saved at the last hour. Homebuyers that almost lost their dream home and thousands of dollars....but didn't because we saved it. VP Licensed Branch Manager Richard Staley and Licensed Mortgage Advisor Emily Franke talk about homebuyers who were turned away by other lenders and sent their way to save the deal. We're talking people with declining income,...

This episode of Your Mortgage Matters dives into how it is absolutely possible to purchase a home in today's market - especially if you have the right lender with the right loan products! Licensed Sales Manager Rick Fantucci and Licensed Mortgage Advisor Chris Philmon each have 20 years of experience in mortgage lending. They use Angel Oak's loan products to solve challenging loan circumstances and get homebuyers to the closing table. They detail actual scenarios where they have helped...

The best reason to choose a mortgage lender (aside from their expertise in lending of course) is their reason for being a mortgage lender! In the words of our host SVP, Divisional Manager Mac Cregger, "our job is about finding the best and most caring way to help position people to put their families in a home." Realtor Amy Gretenstein, Licensed Branch Manager Jo Anna Walker and Area Manager Rick Dail talk about how it is a pleasure to walk alongside a homebuyer - whether they are buying now...

Chief Marketing Officer Steven Winokur talks to Mac Cregger, host of Your Mortgage Matters, about why non-QM is here to stay. The demand is strong for it in the market and always will be. Steven has been invited to various events around the country speaking on the benefits and demand for non-QM. He shares his insights, why Realtors and loan officers can count on it to increase earnings, and the types of borrowers that need non-QM to get a home loan. Non-QM is a game changer and this podcast...

This episode of Your Mortgage Matters dives into why Angel Oak's non-QM portfolio loans make a difference! They help our Realtors, our team, our customers and the industry thrive. Two of our mortgage experts here with Angel Oak Home Loans, Holly St. Germain and Amanda Callaghan, join host Mac Cregger and detail how it has improved their business and their clients' business. They also explain the importance of customers to "marry the house and date the rate" in today's market.

When we say we are full-service, we are talking beyond the transaction. Customers come to us ready to buy and others approach us not sure if they can afford a home asking for guidance to help them get there. And we do. Sometimes it takes a few years, but we see them to the closing table. Success for us means to getting to know you, your family and finding out how to make the loan process as smooth as possible. We end up with relationships past the closing table and meet again for future...

Angel Oak is comprised of an entire ecosystem supporting investors, loan officers, Realtors, builder developers and consumers. Adam Beeler, head of institutional sales at Angel Oak, explains how there is a direct line from our asset management team to our lending team. This symbiotic relationship results in more mortgage product solutions for more types of borrowers and differentiates us from any other mortgage company. In today's market, a lender backed by an entire ecosystem such as ours...

Efforts by the Federal Reserve to curb inflation will take time. Interest rates will likely continue to increase slightly for the near future. Your Mortgage Matters host Mac Cregger talks to Managing Director in Lending Capital Markets, Shayan Salahuddin, on how that affects the mortgage industry. As well, Shayan explains how Angel Oak's business model helps with affordability and commits to surety of execution throughout the loan process. Anyone planning to buy a home or those working in...

We are excited to bring you a brand new series of our podcast Your Mortgage Matters hosted by Senior Vice President, Divisional Manager Mac Cregger! The market is quite a challenge this year for everyone - Realtors, loan officers, builders and homebuyers. We are addressing these challenges in each episode that will include interest rates, inflation, inventory and how to buy a home easily in trying times. Realtors and builders can count on information to help them continue to sell homes and...

Today's podcast is all about the great news in housing starts! Construction for new homes is looking very positive and there is more movement in labor and supply chains. Nicollette Chapman, VP, National Sales – Mortgage, with Zonda tells our host of Your Mortgage Matters Michael Chabot all about it. Learn which markets are seeing the most new construction, what to expect from supply and labor issues this year, and how carefully builders vet their preferred lenders. This is a great show for...

With so many changes in the housing market today, how does a Realtor or a consumer adapt to achieve their goals whether for personal financial growth or to increase income? It’s all talked about in this episode of Your Mortgage Matters with guest Broker, Private Real Estate Advisor Stephen Christie. Listen and hear great advice for Realtors, homebuyers, predictions for inventory, interest rates and growth in equity. There is so much opportunity in the market today. The key is to get educated...

Today's episode is super quick - less than 10 minutes. But full of information regarding interest rates, home prices, housing supply chain and the labor market. We have predictions and stats from experts in their field with the Mortgage Bankers Association, National Association of Realtors, and others. And of course.....what that means to you. Is it still worth it to buy or sell a home.....find out why the answer is a definite yes.

Lawrence (Larry) McDonald founder of The Bear Traps Report, noted economist, New York Times bestselling author and CNBC contributor joined us on Your Mortgage Matters! Larry is well-known for his expertise regarding investments across all asset classes, risk management and the economy in general. With so much going on in the market today, we squeezed as much information from him as time would allow. He was a very gracious guest indulging us with answers to everything from Federal Reserve...

Today we talk about borrowers who are turned away and the growing number of Agency fall-out deals. Hear about actual loan scenarios that include the largest overreaching categories of non-QM borrowers: self-employed, real estate investors and those who are credit challenged. Many of these homebuyers have A-paper profiles and can show their ability-to-repay their loan, they just miss traditional Agency guidelines. Our guests, Licensed Mortgage Advisors Chris Philmon and Tim Horst, know...

Environmental, Social and Governance (ESG) Investing is a phrase you might start hearing more often as it continues to gain importance. It's important to deploy capital to meet a social or environmentally impactful need to help underserved borrowers or areas affected by extreme environmental changes. Learn why it is important to create special programs and lending strategies to address underserved borrowers. As well, understand more about the governance framework and regulatory requirements...

Putting off buying or selling a home because it is the holidays and winter is coming up? Not so fast! This time of the year can provide excellent opportunities for homebuyers, sellers and real estate investors.We talk to Licensed Branch Manager with Angel Oak Ivy Eilerman and her husband, Rickey Eilerman, who is a highly successful Realtor. They have expert advice on buying, selling and building real estate portfolios.

Today's podcast is all about hope! We are talking about non-warrantable condos. What happens when you find out the condo you want is non-warrantable? Not going to happen under Fannie and Freddie!Mortgage expert Lauren Patin, Underwriting Scenario Desk Analyst for Angel Oak, delivers a message of hope explaining how borrowers with this common challenge can get a loan for a condo that is non-warrantable.

As we all know, the price of homes increased all across the country over the past year. Many borrowers who never thought they were Jumbo borrowers, all of a sudden, became a Jumbo borrower! The challenge….not all Jumbo borrowers fall neatly into Prime qualifications. They need a non-QM Jumbo option to purchase a home. This is not trend, but a scenario that will become more and more common. The answer…..a lender who has multiple Jumbo options including a non-QM product. Angel Oak Home Loans...

Host Michael Chabot talks to Sean Becketti, Vice President and Head of Portfolio Analytics at Freddie Mac, about a Research Institute For Housing America (RIHA) special report he authored on climate change and the mortgage industry. According to recent research, climate change triggered by global warming could have an impact on the behavior of portfolio lenders, GSEs, the federal government’s FHA / VA loan program and mortgage investors. This is due to extreme flooding, rising sea levels,...

We have a quick message for our listeners regarding why we are grateful for you and the ever-changing, always busy mortgage industry. Please listen, like, share and then feel free to share your thankful list! We'd love to see it and so would others. Happy Thanksgiving!