Best Melinda Payan Podcasts (2024)

1
Banks vs Mortgage Brokers Understanding the Differences 12:39

4d ago12:39

12:39

Welcome to Mortgages with Melinda! Today, we're discussing the differences between banks and mortgage brokers and why you might want to choose a mortgage broker over a bank. Key Differences: When you go to a bank, you're limited to the products they offer, which are typically standard options. Banks often don't provide better rates or experiences c…

1
Getting Mortgage Ready: Boost Your Credit 14:18

8d ago14:18

14:18

Welcome to today’s episode! We're sharing key tips to boost your credit score, making you mortgage-ready, whether for a new home or refinancing. Why It Matters: A higher credit score means better loan terms and lower interest rates. Key Tips: Manage your debt by paying more than the minimum on your credit cards. Keep your balance below 30% of your …

1
A Closer Look at Financing Differences in the Florida Condo Market 17:19

15d ago17:19

17:19

Today, we're diving into the specifics of financing a condo in Florida. Our YouTube channel is packed with information on condo financing, but in this episode, we're taking a closer look to see if anything has changed and to share some crucial tips to help you navigate the process. Whether you're a buyer, seller, or an agent assisting clients, unde…

1
The Comprehensive Guide to Buying Investment Properties 14:39

25d ago14:39

14:39

Welcome to today’s episode! We’re covering everything you need to know about buying investment properties and accessing equity if you already own one. First, determine your budget and discuss financing options with our loan officers. Investment property financing differs from primary residences, with conventional loans having stricter rules and alt…

1
Is Consolidating Debt Through Refinancing a Smart Move 40:17

1M ago40:17

40:17

In today's episode, we're diving into whether it's a smart decision to consolidate debt through refinancing, especially considering the recent spike in interest rates. Many homeowners currently enjoy low mortgage rates but face higher rates on other debts. We'll explore your options: What actions can you take, and under what circumstances does refi…

1
Guide to the Mortgage Pre-qualification Process in Florida 8:32

1M ago8:32

8:32

Welcome to this week's session on navigating the mortgage pre-qualification process! I'm Melinda Payan, proud owner of The Truth About Lending, and I'm thrilled to have you join us for this crucial discussion. In today's session, we're unraveling the mystery behind getting pre-qualified or pre-approved for a mortgage. What exactly does that entail?…

1
Smart Moves for Managing Student Debt When Applying for a Mortgage in Florida 5:40

2M ago5:40

5:40

Understanding how student loan debt affects qualifying for a mortgage and strategies that can be used. Join us for an insightful discussion on the intersection of student loan debt and mortgage applications! When you're gearing up to get prequalified for a mortgage, your total student debt becomes a crucial factor in the equation. Whether you're ac…

1
Exploring Loan Options for Foreign Nationals in Florida 17:22

2M ago17:22

17:22

Welcome to this week's insightful session on foreign national loans! In today's discussion, we're diving deep into understanding the nuances between permanent resident aliens and non-permanent resident aliens, alongside exploring the diverse landscape of foreign national loans. If you've ever wondered about the distinction between these classificat…

1
Don't Buy the Hype - Florida Real Estate Today vs. 2008 25:59

2M ago25:59

25:59

Welcome to this week's podcast with The Truth About Lending! Join us as we take a deep dive into the complex landscape of the current housing market. We're here to debunk common misconceptions and provide you with the facts you need to make informed decisions. Firstly, let's address the elephant in the room: It is not 2008 and we are not on the ver…

1
Your Guide to Understanding No Income Verification Loan Choices in Florida 28:57

2M ago28:57

28:57

Welcome to this week's Lunch & Learn with Melinda! Today, we're diving into a comprehensive guide on no income verification loans, exploring the options available to you. What exactly is a no income verification loan or alternative income documentation loan? How does it differ from loans of the past? Who is it for? These are all excellent questions…

1
Expectations Versus Reality in Multifamily Property Investments in Florida 32:51

3M ago32:51

32:51

Welcome to this week's Lunch and Learn with Melinda! In today's episode, we're delving into the intriguing realm of multifamily properties. Join us as we explore the stark contrasts between expectations and reality when it comes to purchasing and investing in these types of properties. We'll tackle the fundamental question: What exactly constitutes…

1
Adapting to National Association of Realtors (NAR) Evolution: Lenders' Insights 24:56

3M ago24:56

24:56

Welcome to Lunch and Learn with Melinda - your go-to channel for insightful discussions on the world of lending and real estate in Florida. In our second look at the implications of the National Association of Realtors (NAR) $418 Million settlement, we will offer a lender's unique perspective. It's important to note that the situation is still evol…

1
A Lender's Perspective on the National Association of Realtors (NAR) Changes 48:29

3M ago48:29

48:29

Welcome to Lunch and Learn with Melinda - your go-to channel for insightful discussions on the world of lending and real estate in Florida. Currently, we're exploring the implications of the National Association of Realtors (NAR) $418 Million settlement and offering a lender's perspective. It's important to note that the situation is still evolving…

1
Condo Financing in Florida: Embracing the Changes and Challenges 43:30

3M ago43:30

43:30

Today, we're diving deep into the intricacies of condo financing in Florida. Why is condo financing different, and what challenges and changes have occurred over the years? The uniqueness stems from the high concentration of condos in Florida compared to other states, leading to stricter guidelines post the economic crisis of 2008-2010 and further …

1
The Complete Roadmap to Purchasing a House in Florida 57:06

3M ago57:06

57:06

An in-depth look at the house buying process. In today's Lunch & Learn, Melinda will walk you through the entire process of buying a house in Florida. From pre-approval to the underwriting process to inspections to closing, this video contains a bevy of valuable information for anyone looking to purchase a home. With a lack of clear education about…

1
FHA and VA Loans: Separating Myths from Facts 42:30

4M ago42:30

42:30

In today's Lunch & Learn with Melinda, we're exploring FHA and VA loans, demystifying common misconceptions and highlighting their unique benefits. We'll start by differentiating between conventional loans, such as those offered by Fannie Mae, and government-backed FHA and VA loans. FHA loans, insured by HUD, provide lenders with a level of securit…

1
Down Payment Assistance Programs for Florida Homeowners 22:28

4M ago22:28

22:28

Join us in this informative 30 minute episode of Lunch & Learn with Melinda, brought to you by The Truth About Lending. We're diving deep into the world of down payment assistance for Florida homeowners. Whether you're a first-time homebuyer or someone looking to understand the various programs available, this session is for you. Melinda, with her …

1
Understanding Escrow Shortages in Florida Homeownership 28:40

4M ago28:40

28:40

Join Melinda in this informative 30-minute Lunch & Learn session as we delve into the topic of resolving escrow shortages in homeownership. Learn about the basics of escrow, what it means to escrow for taxes and insurance, and the implications of not putting down 20% on a property. Discover the importance of maintaining a cushion in your escrow acc…

1
Smart Credit Moves to Unlock Lower Rates & Down Payment 46:53

5M ago46:53

46:53

In our latest podcast, we delve deep into the world of credit reports, debts, and how they impact your financial standing. We'll cover the essentials of installment and revolving debts, and how they differ in terms of their effect on your credit score. We'll explore strategies for managing your debts effectively, such as paying down balances on cre…

1
Dream Home Within Reach, Tactics to Boost Your Buying Potential 27:18

5M ago27:18

27:18

In this episode, we're diving into strategies to help you qualify for a larger loan amount and purchase a property with a higher value, while potentially putting down less money. We'll cover tactics to improve your debt-to-income ratio, manage your monthly debts, and navigate different loan programs. We'll discuss the importance of understanding yo…

1
Welcome to The Truth About Lending 1:08

5M ago1:08

1:08

Welcome to The Truth About Lending Podcast, your weekly deep dive into Florida's dynamic real estate, loan and mortgage world, hosted by seasoned expert Melinda Payan, owner and president of TTAL. A licensed Loan Originator for over 25 years, Melinda offers practical, honest advice and guidance that is perfect for both loan specialists and homebuye…

Podcasts Worth a Listen

Melinda Payan Podcasts

Podcasts Worth a Listen

1
The Truth About Lending

Melinda Payan

1
Banks vs Mortgage Brokers Understanding the Differences 12:39

1
Getting Mortgage Ready: Boost Your Credit 14:18

1
A Closer Look at Financing Differences in the Florida Condo Market 17:19

1
The Comprehensive Guide to Buying Investment Properties 14:39

1
Is Consolidating Debt Through Refinancing a Smart Move 40:17

1
Guide to the Mortgage Pre-qualification Process in Florida 8:32

1
Smart Moves for Managing Student Debt When Applying for a Mortgage in Florida 5:40

1
Exploring Loan Options for Foreign Nationals in Florida 17:22

1
Don't Buy the Hype - Florida Real Estate Today vs. 2008 25:59

1
Your Guide to Understanding No Income Verification Loan Choices in Florida 28:57

1
Expectations Versus Reality in Multifamily Property Investments in Florida 32:51

1
Adapting to National Association of Realtors (NAR) Evolution: Lenders' Insights 24:56

1
A Lender's Perspective on the National Association of Realtors (NAR) Changes 48:29

1
Condo Financing in Florida: Embracing the Changes and Challenges 43:30

1
The Complete Roadmap to Purchasing a House in Florida 57:06

1
FHA and VA Loans: Separating Myths from Facts 42:30

1
Down Payment Assistance Programs for Florida Homeowners 22:28

1
Understanding Escrow Shortages in Florida Homeownership 28:40

1
Smart Credit Moves to Unlock Lower Rates & Down Payment 46:53

1
Dream Home Within Reach, Tactics to Boost Your Buying Potential 27:18

1
Welcome to The Truth About Lending 1:08

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