Get Moving!
Angela Tourville
This audiobook is narrated by a digital voice.
Get moving with the knowledge, confidence, and insider insight you need to buy your home.
Buying a home is one of life’s biggest milestones—but the mortgage process doesn’t have to be overwhelming. In...
Location:
United States
Networks:
Angela Tourville
Digital Voice Melissa G
Burning Bulb Publishing
English Audiobooks
INAudio Audiobooks
Description:
This audiobook is narrated by a digital voice. Get moving with the knowledge, confidence, and insider insight you need to buy your home. Buying a home is one of life’s biggest milestones—but the mortgage process doesn’t have to be overwhelming. In Get Moving!: A Personal Guide to Get You in TOP Home Buying Shape, mortgage professionals Angela and Mike Tourville simplify the lending world and walk you step by step with clarity, encouragement, and expert advice. Unlike what you’ll find on Google, AI, or scattered online articles, this guide brings everything together in one place. With insights from Realtors, attorneys, inspectors, builders, and financial planners, you’ll understand not just the what but the why behind each decision. Inside, you’ll discover how to: • Strengthen your credit, income, and assets for approval • Compare FHA, VA, USDA, Conventional, and other loan options • Navigate closing costs, PMI, insurance, and interest rates with confidence • Build the right team—Realtor, attorney, and financial advisor—to guide you • Plan ahead with strategies to refinance, build equity, or even use reverse mortgages Whether you’re buying your first home, upgrading for a growing family, or investing in property, Get Moving! equips you with the tools to avoid pitfalls, save money, and achieve homeownership with confidence. Clear, practical, and empowering—this book turns the mortgage maze into a straight path home. Duration - 4h 6m. Author - Angela Tourville. Narrator - Digital Voice Melissa G. Published Date - Sunday, 19 January 2025. Copyright - © 2025 Burning Bulb Publishing ©.
Language:
English
Opening Credits
Duration:00:00:32
Introduction
Duration:00:03:42
Chapter 1 Qualifying Criteria: Putting All the Puzzle Pieces Together
Duration:00:00:07
Understanding Your Credit Score (and why it’s the very first thing we’ll talk about)
Duration:00:01:07
The Components of a FICO Score
Duration:00:01:39
How Credit Affects Your Mortgage
Duration:00:01:16
Managing Credit for Mortgage Success
Duration:00:04:02
Experts From the Field
Duration:00:01:37
Debt-to-Income Ratio: Knowing Your Limits
Duration:00:00:48
What Is a Debt-to-Income Ratio (DTI)?
Duration:00:01:14
What Are Acceptable DTI Limits?
Duration:00:00:26
Why the DTI Matters — To You and the Lender
Duration:00:00:34
Types of Income That Count
Duration:00:01:52
Assets: What Lenders Look for and Why
Duration:00:00:25
What Are Assets in Mortgage Lending?
Duration:00:00:49
What Documentation Will the Lender Request?
Duration:00:00:34
What Are They Looking For?
Duration:00:00:56
Using Gift Funds Toward a Home Purchase
Duration:00:00:42
Equity as an Asset in Refinancing
Duration:00:01:15
Chapter 2 Exploring Loan Programs: Finding the Right Fit for You
Duration:00:00:41
Conventional Loans
Duration:00:00:59
Government Loans
Duration:00:00:03
FHA (Federal Housing Administration)
Duration:00:00:50
VA Loans (Department of Veterans Affairs)
Duration:00:00:48
USDA Loans: Rural Homeownership Made Accessible
Duration:00:02:40
First Time Home Buyer Programs: Down Payment Assistance (DPA) Programs
Duration:00:01:05
Qualifying Criteria
Duration:00:01:16
What are the benefits of being a first-time buyer?
Duration:00:00:57
Basic steps for first-time buyers
Duration:00:02:00
DSCR Loans: For Real Estate Investors
Duration:00:00:55
Qualified vs. Non-Qualified Mortgages
Duration:00:00:23
What Is a Qualified Mortgage (QM)?
Duration:00:01:01
What Is a Non-Qualified Mortgage (Non-QM)?
Duration:00:01:25
Jumbo Loans: Going Big and Beyond
Duration:00:02:01
How Do Jumbo Rates Compare?
Duration:00:00:49
Underwriting Guidelines: What Changes Between Loan Types?
Duration:00:01:16
Chapter 3 New Construction Loans
Duration:00:00:31
Building From the Ground Up
Duration:00:01:00
What’s in the Details: Escrows, Holdbacks, and Disbursements
Duration:00:00:56
Timelines, Estimates, and Expectations
Duration:00:00:41
Other Construction Options
Duration:00:00:23
Spec Homes: A Ready-Made New Construction
Duration:00:01:41
Tract Homes: What You Need to Know
Duration:00:01:56
Pros & Cons: Build New or Buy Existing?
Duration:00:03:00
Chapter 4 Working with the Right Realtor
Duration:00:02:27
Ask for Trusted Recommendations
Duration:00:00:25
Why a Connected Team Matters
Duration:00:00:58
Full-Time vs. Part-Time: Availability Matters
Duration:00:00:44
Making Sense of the New Real Estate Commission Rules
Duration:00:00:28
What Changed?
Duration:00:01:54
Which Property Type is Right for You?
Duration:00:00:04
Single-Family Home
Duration:00:02:01
Multi-Family Home
Duration:00:02:05
Condominiums
Duration:00:02:25
Relocating
Duration:00:00:33
Local Knowledge Is Everything
Duration:00:00:55
Be Aware of State or Regional Differences
Duration:00:01:52
Explore Before You Move
Duration:00:00:55
Chapter 5 The Mortgage Loan Journey — From Application to Closing
Duration:00:01:28
Step 1: The Application
Duration:00:00:22
Step 2: Pre-Qualification
Duration:00:00:37
Step 3: Pre-Approval
Duration:00:02:18
Step 4: Underwriting
Duration:00:00:20
What Does an Underwriter Do?
Duration:00:01:16
Typical Questions Underwriters May Ask
Duration:00:01:01
Step 5: Closing
Duration:00:01:09
If Only We Lived in a Perfect World: What Can Go Wrong?
Duration:00:00:45
Unsatisfactory Inspection Reports
Duration:00:00:53
Title issues
Duration:00:00:28
Septic System Inspection Failure (Title 5)
Duration:00:01:12
Change of Circumstances
Duration:00:00:51
Chapter 6 Dollars and Sense: Understanding Rates, Points, and Terms
Duration:00:01:36
Aiming for a Moving Target
Duration:00:01:12
How Mortgage Interest Rates Are Determined.
Duration:00:01:54
APR vs Interest Rate: What’s the Difference?
Duration:00:02:53
Fixed vs Adjustable Rates
Duration:00:02:40
Discount Points and Rate Buydowns: When Paying Now Can Save You Later
Duration:00:00:21
What Are Discount Points?
Duration:00:00:44
Why Pay Points?
Duration:00:00:37
The Break-Even Point: Your Decision-Making Tool
Duration:00:03:30
How Rate Buydowns Work
Duration:00:00:58
Who Pays for the Buydown?
Duration:00:01:09
Is It Right for You?
Duration:00:00:59
How Amortization Works
Duration:00:02:47
Chapter 7 Understanding Closing Costs — No Surprises at the Finish Line
Duration:00:00:43
What Are Closing Costs?
Duration:00:00:32
Common Closing Costs You Might See
Duration:00:04:22
Loan Estimates and Closing Disclosures - Know What to Expect
Duration:00:00:35
Opportunities to reduce closing costs
Duration:00:01:34
Chapter 8 What Is PMI and When Is It Required?
Duration:00:00:59
How is PMI Paid?
Duration:00:01:01
FHA Loans and MIP
Duration:00:00:55
Calculating PMI
Duration:00:00:03
Examples with 95% and 85% LTV
Duration:00:02:12
Removing PMI
Duration:00:01:21
Chapter 9 The Role of Attorneys, Escrow Agents, and Title Insurance
Duration:00:00:53
What Does a Closing Attorney or Escrow Agent Do?
Duration:00:00:53
What Is Title Insurance?
Duration:00:00:32
Lender’s Title Insurance vs. Owner’s Title Insurance
Duration:00:01:40
Chapter 10 Homeowner’s Insurance
Duration:00:00:53
Deductibles, Premiums, and Coverage— Find Your Sweet Spot
Duration:00:01:07
Replacement Cost vs. Actual Cash Value
Duration:00:00:53
Questions to Ask Before You Choose a Policy
Duration:00:01:10
Why It’s Smart to Work with a Reputable, Local Insurance Company
Duration:00:01:03
Chapter 11 Why a Financial Advisor Should Be Part of Your Mortgage Decision
Duration:00:00:40
A Financial Advisor Sees the Bigger Picture
Duration:00:00:44
Down Payment Decisions: More Isn't Always Better
Duration:00:01:03
Points, Programs, and Payment Options
Duration:00:01:06
Tax Considerations
Duration:00:02:02
An Objective Look
Duration:00:00:21
Avoiding Regret After Closing
Duration:00:01:06
Chapter 12 Post Closing: Your Mortgage Relationship is Just Getting Started
Duration:00:00:49
Understanding Your Statement
Duration:00:01:19
Strategies to Pay Off Your Mortgage Early
Duration:00:01:10
Bi-Weekly Payments: A Simple Shift with Big Impact
Duration:00:00:46
Round Up Your Payments
Duration:00:01:31
Refinancing
Duration:00:04:00
Recasting
Duration:00:00:52
How a Recast Works
Duration:00:00:31
An Illustrative Example
Duration:00:00:54
Recasting vs. Refinancing
Duration:00:01:12
Home Equity Loans and HELOCs: Flexibility After You Buy
Duration:00:01:38
Mortgage Life Insurance Protection
Duration:00:03:45
Chapter 13 Time Doesn’t Reverse – But Your Mortgage Can
Duration:00:01:00
What Is a Reverse Mortgage?
Duration:00:01:16
Who Qualifies?
Duration:00:00:49
Dispelling Common Myths
Duration:00:00:56
Benefits
Duration:00:00:32
Pros and Cons
Duration:00:01:38
Chapter 14 The Transformative Power of Homeownership: Inside the Mind (and Heart) of a Mortgage Veteran
Duration:00:06:28
Chapter 15 Mortgage Glossary: 50 Essential Terms Every Borrower Should Know
Duration:00:06:32
Acknowledgements, Gratitude, and Respect
Duration:00:03:47
About the Authors
Duration:00:02:25