Mortgage Gumbo with Dwayne Stein

What is a Point? Specifically a Mortgage Point. What do they do? When do you use them? Well your Chef Dwayne Stein is going to explain it all. The Pro's and Con's and everything in between. Dwayne starts the show talking about the lawsuits that are coming to a town near you. With Independent Mortgage Bankers losing almost one thousand dollars per loan, it could be a pretty big deal. Then Dwayne talks about the employment numbers, jobless claims, and builder confidence. All that and more on Mortgage Gumbo w/ Dwayne Stein 11/18/23 Personal NMLS175109 / Branch NMLS851695 / Company NMLS3029 CrossCountry Mortgage, LLC is an FHA Approved Lending Institution and is not acting on behalf of or at the direction of HUD/FHA or the Federal government. All loans subject to underwriting approval.

Veterans We Salute You! Happy Veterans Day to all our Vets from the Gumbo Nation and your Chef Dwayne Stein. Todays show is for our Veterans. Dwayne is talking everything VA Loan related. He's gonna break down the VA Loans like no one has done before! Who's eligible? What is it? What type of properties? What are the benefits? How does entitlement work? Of course Dwayne presents his weekly segment called "Rate Watch" brought to you by Tito's. All that and more on Mortgage Gumbo w/ Dwayne Stein 11/11/23 Personal NMLS175109 / Branch NMLS851695 / Company NMLS3029 CrossCountry Mortgage, LLC is an FHA Approved Lending Institution and is not acting on behalf of or at the direction of HUD/FHA or the Federal government. All loans subject to underwriting approval.

The Fed pauses...again. But what does that mean? Your Chef Dwayne Stein breaks it down for you. The new Jobs Report is in. But why must they Lie?!?! Dwayne does a Deep Dive into the report data, and explains why they feel the need to lie. Later Dwayne presents a few new programs for potential home buyers, and his weekly segment "Rate Watch" brought to you by Tito's. All that and more on Mortgage Gumbo w/ Dwayne Stein 11/04/23 Personal NMLS175109 / Branch NMLS851695 / Company NMLS3029 CrossCountry Mortgage, LLC is an FHA Approved Lending Institution and is not acting on behalf of or at the direction of HUD/FHA or the Federal government. All loans subject to underwriting approval.

Happy Halloween from the Hulkster! It's not just Halloween Season, but Halloween Buying Season! Why is now the best time to buy a new home or duplex? Most house sales happen in March and April, but the Hulkamaniac is going to tell you why you should look during the winter. Later Dwayne explains where all the money has gone, and why 84 Billion doesn't just get lost in the couch cushions. Later Dwayne goes over the latest housing data and as always we do the Tito's Vodka "Rate Watch. All that and more on Mortgage Gumbo w/ Dwayne Stein 10/28/23 Personal NMLS175109 / Branch NMLS851695 / Company NMLS3029 CrossCountry Mortgage, LLC is an FHA Approved Lending Institution and is not acting on behalf of or at the direction of HUD/FHA or the Federal government. All loans subject to underwriting approval.

This week your Chef Dwayne Stein wants you to Follow the Money! Projections indicate 2 million dollars less in sales. Which means Banks are doing less loans. So the question is "How can we rejuvenate the Market?" Here's where the procrastinators win. Banks have reduced the down payment from 20 percent to a whopping low of 5 percent. Now you can be a Real Estate Mogul too! Later Dwayne takes your questions, and does the weekly Tito's Vodka "Rate Watch" All that and more on Mortgage Gumbo w/ Dwayne Stein 10/21/23 Personal NMLS175109 / Branch NMLS851695 / Company NMLS3029 CrossCountry Mortgage, LLC is an FHA Approved Lending Institution and is not acting on behalf of or at the direction of HUD/FHA or the Federal government. All loans subject to underwriting approval.

On today's menu, your Chef Dwayne Stein is talking about the war in Israel and it's impact on the US Housing Market. Dwayne has been saying for years that World strife will always affect the Market. In this particular case we are seeing an immediate effect on Gas Prices. But we are also seeing rates drop. Later Dwayne responds to your questions via email and social media. Finally, Procrastinators may actually be winning. If you were waiting on purchasing a home, now you may want to consider buying a multi unit home. Become that Real Estate Mogul you've always dreamed of becoming. All that and more on Mortgage Gumbo w/ Dwayne Stein 10/14/23 Personal NMLS175109 / Branch NMLS851695 / Company NMLS3029 CrossCountry Mortgage, LLC is an FHA Approved Lending Institution and is not acting on behalf of or at the direction of HUD/FHA or the Federal government. All loans subject to underwriting approval.

Today we're doing a financial mirror check. What's going on with Debt and where are we at with it. Then we discuss what is your Household rate. Not your mortgage rate, but your household rate. The latest jobs report is in as well, and what that means for your Savings. Finally we take your questions via social media, and our weekly segment brought to you by Tito's Rate Watch. All that and more on Mortgage Gumbo w/ Dwayne Stein 10/7/23 Personal NMLS175109 / Branch NMLS851695 / Company NMLS3029 CrossCountry Mortgage, LLC is an FHA Approved Lending Institution and is not acting on behalf of or at the direction of HUD/FHA or the Federal government. All loans subject to underwriting approval.

OMG! What's up with Home Values? We have the Highest rates in a decade...how does that affect my homes value? Never fear, your Chef Dwayne Stein is here! Also on today's menu Dwayne shares the PCE numbers and gets cohost James Parkers rosy optimistic opinion. Then we find out what the impact of Student loans will be. Finally Dwayne has a very special guest on to talk about the 4th Annual Bluesberry Fest this October 7th. Daniel Munn, Realtor, Board Member and next level Promoter stops by to discuss this years Bluesberry Fest. Get more info and tickets at https://www.thebluesberryfest.com/ All that and more on Mortgage Gumbo w/ Dwayne Stein 9/30/23 Personal NMLS175109 / Branch NMLS851695 / Company NMLS3029 CrossCountry Mortgage, LLC is an FHA Approved Lending Institution and is not acting on behalf of or at the direction of HUD/FHA or the Federal government. All loans subject to underwriting approval.

This week your Chef Dwayne Stein is talking about Reverse Mortgages. What are they? What are they good for? Will the bank swoop in and take your house? Dwayne and cohost James Parker explain it all. They also dissect what the Fed had to say this week and give you the latest housing information. Specifically, existing home sale numbers versus new home sale numbers. All that and more on Mortgage Gumbo w/ Dwayne Stein 9/23/23 Personal NMLS175109 / Branch NMLS851695 / Company NMLS3029 CrossCountry Mortgage, LLC is an FHA Approved Lending Institution and is not acting on behalf of or at the direction of HUD/FHA or the Federal government. All loans subject to underwriting approval.

On this Day in History, Nine Years ago, The Gumbo Nation was Born! Mortgage Gumbo with Dwayne Stein celebrates nine years on the air, and it's all for YOU! The Gumbo Nation! Bringing you education and options for 1 year shy of a decade! Dwayne and cohost James Parker reminisce about the old days and start of the show, from picking Theme Music and the Origin story of the infamous DAT CAM! Later the guys are joined by a client and friend of the show Hiram, who shares his convoluted home buying experince, and how Dwayne swooped in and saved the day! The guys also squeeze in a fan fovorite...the Ten Commandments when Buying a Home! All that and more on Mortgage Gumbo w/ Dwayne Stein 9/23/23 Personal NMLS175109 / Branch NMLS851695 / Company NMLS3029 CrossCountry Mortgage, LLC is an FHA Approved Lending Institution and is not acting on behalf of or at the direction of HUD/FHA or the Federal government. All loans subject to underwriting approval.

On today's menu your Chef Dwayne Stein is serving up some Down Payment information. How much do you need to put down? What is a Down Payment and what does it do? What are the Types of down payments. What programs assist with down payments and where do they come from? Also cohost James Parker and Dwayne talk about the start of Football season, Fantasy football, Lakeshore Titan football, and next week's 9 year anniversary! All that and more on Mortgage Gumbo w/ Dwayne Stein 9/9/23 Personal NMLS175109 / Branch NMLS851695 / Company NMLS3029 CrossCountry Mortgage, LLC is an FHA Approved Lending Institution and is not acting on behalf of or at the direction of HUD/FHA or the Federal government. All loans subject to underwriting approval.

This week your Chef Dwayne Stein puts the real world on hold. Forget about inflation, rising rates and schmuckatelli's. Let's Talk Fantasy Football!! Once again the Doctor of Fantasy Football, Jason Fontenelle joins the show to share his best Picks, Busts, and Tips for a successful Fantasy Season. Who are his Top Ten Picks? Who are his best RB's and WR's? Finally, he offers his tips for a successful draft which can make or break your season. All that and more on Mortgage Gumbo w/ Dwayne Stein 9/2/23 Personal NMLS175109 / Branch NMLS851695 / Company NMLS3029 CrossCountry Mortgage, LLC is an FHA Approved Lending Institution and is not acting on behalf of or at the direction of HUD/FHA or the Federal government. All loans subject to underwriting approv

The Queen of Insurance Collette Biedenkopf is LIVE In Studio. From Hurricanes to Wildfires, to Insurance Renewal Costs Skyrocketing. Are they raising this rates for profit alone? Your Chef Dwayne Stein and the Queen explain the "why" of Insurance rates and renewals rate hikes. Also, is the Insurance of Last Resort worse than the big name companies. The answers might surprise you. To get in touch with the Queen go to https://themonarchins.com/ All that and more on Mortgage Gumbo w/ Dwayne Stein 8/26/23 Personal NMLS175109 / Branch NMLS851695 / Company NMLS3029 CrossCountry Mortgage, LLC is an FHA Approved Lending Institution and is not acting on behalf of or at the direction of HUD/FHA or the Federal government. All loans subject to underwriting approval.

Your Chef Dwayne Stein has a very special guest in studio today. Jeff LeSaicherre of Fleur de Lis Law & Title. He and Dwayne discuss all the great ways Fleur de Lis Law & Title can help to make your home buying process as easy as possible. Dwayne asks him about all the other services they provide. Such as Estate Planning, what is or is not acceptable as a last will and testament. He even talks about their staffs bilingual ability to help Spanish speaking clients. All that and more on Mortgage Gumbo w/ Dwayne Stein 8/19/23 Personal NMLS175109 / Branch NMLS851695 / Company NMLS3029 CrossCountry Mortgage, LLC is an FHA Approved Lending Institution and is not acting on behalf of or at the direction of HUD/FHA or the Federal government. All loans subject to underwriting approval.

What do first time home buyers need to know? Well your Chef Dwayne Stein has the answers. In a special treat cohost James Parker has traveled all the way from Bug Tussle to be live in studio today. Before the guys tell you what 1st time home buyers need to know they dig into the latest data on National Credit Card debt, and what it means for you. One trillion dollars in debt may sound like a lot....but how about 11 Trillion? All that and more on Mortgage Gumbo w/ Dwayne Stein 8/12/23 Personal NMLS175109 / Branch NMLS851695 / Company NMLS3029 CrossCountry Mortgage, LLC is an FHA Approved Lending Institution and is not acting on behalf of or at the direction of HUD/FHA or the Federal government. All loans subject to underwriting approval.

What's a Budget? What goes into it? What counts towards your budget? What doesn't apply? Cell phone bills? Insurance? Utilities? Your Chef Dwayne Stein breaks it all down. He and cohost James Parker breakdown the loan categories that best fit your budget, and what it takes to qualify. The guys share a story about a bad decision that cost someone a lot of money. Tito's Rate Watch and the Jobs Report numbers. All that and more on Mortgage Gumbo w/ Dwayne Stein. Personal NMLS175109 / Branch NMLS851695 / Company NMLS3029 CrossCountry Mortgage, LLC is an FHA Approved Lending Institution and is not acting on behalf of or at the direction of HUD/FHA or the Federal government. All loans subject to underwriting approval.

Dwayne starts off todays show with a huge "Thank You" to the Gumbo Nation. The Fed Raises Rates. What does that mean for you? Your Chef Dwayne Stein breaks down the latest data provided from the Fed Chairman. Later Dwayne and cohost James Parker dig into the latest inflation numbers, and the GDP (Gross Domestic Product) numbers are in as well. Finally the guys discuss Foreclosures, and end the show with your questions from the mailbag. All that and more on Mortgage Gumbo w/ Dwayne Stein 7/29/23 Personal NMLS175109 / Branch NMLS851695 / Company NMLS3029 CrossCountry Mortgage, LLC is an FHA Approved Lending Institution and is not acting on behalf of or at the direction of HUD/FHA or the Federal government. All loans subject to underwriting approval.

This week your Chef Dwayne Stein shares Home Price Predictions. Where are we going? What do the experts think? More importantly, what does Dwayne think. Also, how is Supply and Demand affecting the market. In continuing education Dwayne shares some new terminology that you should know. Finally Dwayne and Cohost James Parker discuss the real purpose of home ownership. We close out the show with our weekly segment "Rate Watch" sponsored by Tito's Handmade Vodka. All that and more on Mortgage Gumbo w/ Dwayne Stein 7/22/23 Personal NMLS175109 / Branch NMLS851695 / Company NMLS3029 CrossCountry Mortgage, LLC is an FHA Approved Lending Institution and is not acting on behalf of or at the direction of HUD/FHA or the Federal government. All loans subject to underwriting approval.

This week your Chef Dwayne Stein is talking about Assumable Mortgages. What are they? Well Dwayne is going to explain it better than the schmuckatelli's on Tik Tok. Since Social Media is driving it, there are a lot of things that need to be explained. There are a lot of Pros and Cons to Assumable Mortgages, so he breaks down the types, and which types are even eligible for them. There are 2 types...Simple and Novation. Later Dwayne and cohost James Parker discuss where the housing inventory is at, and where are the homes prices hovering. All that and more on Mortgage Gumbo with Dwayne Stein Personal NMLS175109 / Branch NMLS851695 / Company NMLS3029 CrossCountry Mortgage, LLC is an FHA Approved Lending Institution and is not acting on behalf of or at the direction of HUD/FHA or the Federal government. All loans subject to underwriting approval.

Today your Chef Dwayne Stein answers a question that many potential home owners haven't considered asking. What is the cost of Waiting to Buy? If Rates stay high, should I still buy? As you already know, Dwayne's opinions are Data Driven, so he and cohost James Parker look at the mid-year home sales projection numbers and give you an informed opinion. We also start the show with a very personal story of a single mother who was duped by a schmuckatelli and the need to trust but verify. All that and more on Mortgage Gumbo w/ Dwayne Stein 7/8/23 Personal NMLS175109 / Branch NMLS851695 / Company NMLS3029 CrossCountry Mortgage, LLC is an FHA Approved Lending Institution and is not acting on behalf of or at the direction of HUD/FHA or the Federal government. All loans subject to underwriting approval.