Best Tecnologico De Monterrey Podcasts (2024)

1
WARNING: What every homeowner needs to know about Homeowner's Insurance 40:24

2M ago40:24

40:24

In this episode, we dive into the world of homeowners insurance. Let’s address a common concern: why are homeowners insurance premiums rising so sharply? Different carriers might have varying rates based on the type and location of the property and the purpose of homeowners insurance is to cover repairs, rebuild homes, replace belongings, and somet…

1
Experian Boost Bad for Mortgages 3:17

2M ago3:17

3:17

If you're thinking about buying a house and you've sparked up your credit with Experian Boost, you might run into some turbulence. Turns out, lenders don't always see it as a good thing. They might ask you to take those boosted items off your report because they consider it manipulating the system. Although this seems unfair, it's how our current s…

1
When Will Interest Rates Drop? 8:56

2M ago8:56

8:56

Interest rates have been a topic of great concern for homeowners and buyers alike. The Federal Reserve recently held a meeting, and while they did not lower rates at this time, they hinted at potential decreases later in the year. However, with only six more meetings left in 2024, the window for action is narrowing. Economic indicators like a stron…

1
Home Values vs. Interest Rates 11:33

3M ago11:33

11:33

Are you thinking about buying a home but unsure if now is the right time, or if waiting might be better? With home prices continually shifting, it's normal to question if they might drop soon, especially with changes in interest rates on the horizon. It's also crucial to consider the current housing inventory — is there an abundance of homes availa…

1
Who Can Co-Sign for a Mortgage? 8:08

3M ago8:08

8:08

Are you considering adding a co-signer to your loan application to improve your chances of approval? Incorporating a co-signer can indeed increase the apparent income on your application, potentially making you a more attractive candidate to lenders. However, the criteria for who can serve as a co-signer can vary significantly depending on the type…

1
Refinancing MIGHT GET Cheaper? 12:03

3M ago12:03

12:03

Exciting news for homeowners! President Biden's recent proposal promises big savings on refinancing by eliminating title fees for low-risk borrowers. This change, announced during the State of the Union Address, could significantly lower refinancing costs, especially in states where these fees are a major expense. If you bought or refinanced your h…

1
Buy a House with Low Income! USDA 502 Direct Loan Program 9:32

4M ago9:32

9:32

Ever thought owning a home was out of reach because your income isn't sky-high? Well, we've got some great news for you. The federal government has got your back with a special program that's like a helping hand to make your homeownership dreams come true, especially if your budget is tight. It's all about the USDA's 502 Direct loan, a gem that mig…

1
Don't Pay Capital Gains / 1031 Exchange Basics 5:54

4M ago5:54

5:54

Have you ever felt that pang of regret when a chunk of your investment gain ends up with the tax folks? Well, let's chat about the 1031 Exchange, a nifty strategy that might just be your new best friend in the investing world. Imagine keeping more of your hard-earned money to invest in the next big opportunity. That's the magic of the 1031 Exchange…

1
Should I Use A Realtor®? 13:29

5M ago13:29

13:29

If you're in the middle of deciding whether to bring a realtor into your home buying or selling adventure - Realtors® are instrumental in securing the best price for a home, uncovering the ideal property to call home, or simplifying the intricate paperwork involved. The thought of compensating a realtor® with a commission might initially cause hesi…

1
When Will Mortgage Rates go Down? 10:19

5M ago10:19

10:19

When will mortgage rates dip in 2024? It could be earlier than you anticipate. Last December 2023, J. Powell, the head of the Federal Reserve, announced the end of rate hikes. Looking ahead, we're anticipating at least three rate cuts starting around May. While the Feds rates don't exactly match mortgage rates, they definitely influence them. So, w…

1
2024 Housing Prediction Houston, TX 10:24

5M ago10:24

10:24

In this episode, we dive into housing predictions for Houston, Texas in 2024. Jen interviews a 25 year veteran of the homebuilding industry about the market conditions for builders last year and an upcoming proactive approach some home builders are implementing to keep ahead of market trends. Jen and guest Benita Owens of Meritage Homes explore loc…

1
Will the Housing Market Crash in 2024? 12:08

6M ago12:08

12:08

Will the housing market crash in 2024? We address a common misconception: those anticipating a steep drop in home prices may find themselves disappointed. Fluctuations don't necessarily indicate a market crash, as defined by a rapid and significant drop in prices due to an oversupply of homes and a lack of buyers. We also discuss Federal Reserve po…

1
Mortgage Loan Limits in 2024 9:18

6M ago9:18

9:18

In this episode, we delve into the topic of increased loan limits for 2024. We explain the role of financing agencies like FHA (Federal Housing Administration) and FHFA (Federal Housing Finance Agency) in adjusting loan limits annually in response to inflation and rising home prices. What is the importance of these changes for homebuyers and the co…

1
How to Reduce Real Estate Taxes in Texas 45:35

6M ago45:35

45:35

If you own real estate in Texas, whether residential or commercial, this episode will give you the behind the scenes as to why you should protest your property tax. We interview an expert with Home Tax Shield, a company in Texas that protests taxes for property owners. Craig is an industry expert and releases statistics and valuable information you…

1
Rates Starting to Fall - What’s Ahead in 2024 10:27

7M ago10:27

10:27

On December 13, after the Federal Reserve meeting, interest rates started to fall! It became evident that the Fed will likely stop raising interest rates, and start to lower the fed funds rate in 2024! The market needed this news so badly! In this episode I will help make sense of some complex financial terms and focus on what this means for the av…

1
Should I Sell My Home or Keep As A Rental 25:03

7M ago25:03

25:03

In this episode, we delve into the dilemma faced by sellers in the current real estate market: should they sell their homes now or rent them out in hopes of better values in the future? The episode features Lyndel Johnson from Real Property Management Luxury in Houston. We also focus on the importance of landlord-tenant relationships, which not onl…

1
FHA Mortgage Insurance Premiums – How to Calculate 10:08

7M ago10:08

10:08

In this episode, we offer an in-depth analysis of FHA (Federal Housing Administration) loans, particularly highlighting the aspects of mortgage insurance premiums. Created during the Great Depression, FHA loans facilitate homeownership with a minimum down payment of 3.5%. It's clear that FHA loans pack a lot of value, especially for those stepping …

1
MCC Credit First Time Home Buyers 12:12

8M ago12:12

12:12

In this episode, I explain what is a Mortgage Credit Certificates (MCC), a valuable federal tax credit for first-time homebuyers seeking to ease the financial burden of purchasing a home. I will cover the eligibility criteria, calculation, distribution, and the overall impact of the MCC on homeowners. Who qualifies for the MCC, what are some benefi…

1
Foreclosures On the Rise 25:17

8M ago25:17

25:17

In this episode, we're joined by real estate and mortgage veteran Tarl Anderson to discuss the rise in Texas foreclosures for 2023. We hit the ground running with some straight talk about today's wobbly housing scene. We dove into the big question on everyone’s mind—should you grab that set of shiny new house keys now, or is it smarter to cool your…

1
8 Tips to a Smooth Home Closing Part 2 10:23

9M ago10:23

10:23

This is Part 2 of our podcast episode where Jen is a guest on Not Just a Daydream podcast by Kristi Winfree, Owner & Transaction Coordinator at Legacy Transactions. We share more valuable tips for a smoother home buying process. We emphasize the importance of referrals, to expect inevitable bumps in the road, but stresses that with the right team, …

1
8 Tips to a Smooth Home Closing Part 1 9:32

9M ago9:32

9:32

In this podcast episode, Jen is a guest on Not Just a Daydream podcast by Kristi Winfree, Owner & Transaction Coordinator at Legacy Transactions. We share eight valuable tips for a smooth home buying process - starting with beginning early, many mistakes happen when people rush the process at the last minute. Next is being prepared in submitting ne…

1
Why Every Homeowner Needs a Will 11:46

10M ago11:46

11:46

In this podcast episode we discuss the importance of having a will for homeowners. John Strohmeyer, a licensed attorney, probate and estate issues, emphasizes the significance of having a will or an official document to clarify property ownership and inheritance. We will also address the misconception that wills are only necessary for those with si…

1
FIRPTA with John Strohmeyer 14:42

10M ago14:42

14:42

In this episode of the Loan with Jen podcast, we are joined by attorney John Strohmeyer to discuss the Foreign Investment in Real Property Tax Act (FIRPTA). FIRPTA caters to anyone interested in the world of real estate, especially those who aren't US citizens or permanent residents but are considering buying property in the United States. John, wi…

1
Closing Costs When Selling a Home 6:22

11M ago6:22

6:22

In this episode of the Loan with Jen podcast, we deliver a no-nonsense breakdown of closing costs when selling your home, free from any corporate buzzwords. We delve into the intricacies of prorated property taxes, emphasizing that even if you've been escrowing your taxes and insurance, they must be settled at the closing table. We emphasize the im…

1
Roll in improvements with FHA 203k Loan 6:34

11M ago6:34

6:34

Buying a home that might need some improvements? The FHA 203(k) loan is like a mini construction loan bundled with your mortgage. If you're looking to roll in at least $5,000 of improvements – think paint, carpet, even bigger fixes like foundations – this loan might be your answer. It's all about beautifying your space while enjoying benefits like …

1
How to Free Up Cash Flow with Oliver Pereira 13:40

11M ago13:40

13:40

Whether you're eyeing a new home, a big purchase, college expenses, or just some extra financial wiggle room - today's guest, Oliver Pereira from Limitless Cash Flow, is here to guide us. He breaks down the game plan for enhancing your cash flow without upending your life. It's about understanding your budget, trimming excess spending, and directin…

1
Caretaker Income - How to Earn Govt Income to Care for Elderly Parents 12:01

11M ago12:01

12:01

In this podcast episode, discover a unique and often overlooked way to support elderly parents while also earning government income. Jen Hernandez welcomes Ugo Eziefule from Providers of Texas, a passionate advocate for underserved communities. Ugo sheds light on a game-changing opportunity for caregivers through state programs, where family member…

1
Probate Issues for Sellers 12:42

11M ago12:42

12:42

Today we are talking to John Strohmeyer, a licensed attorney, probate and estate issues. We discuss the implications of property ownership within trusts, shedding light on what happens to a house when someone passes away. Whether or not you have a will in place, the episode breaks down the intricacies of probate, highlighting the importance of esta…

1
Buying Home In Name of a Trust 14:51

12M ago14:51

14:51

In this episode, Jen Hernandez interviews John Strohmeyer, a specialist in real estate, probate, and estate issues. They explore the difference between revocable and irrevocable trusts and discuss why lenders prefer properties in revocable trusts. This episode is for homeowners, potential homebuyers, and anyone seeking to understand the implication…

1
No Unfinished Business Podcast: Leveraging Your Home Equity w/ Jen Hernandez 14:54

12M ago14:54

14:54

Whether you're a homeowner seeking to unlock your home's potential or a professional advisor understanding the risks and rewards of leveraging home equity, this episode is a must-listen for invaluable insights! Join mortgage expert Jen Hernandez in this thrilling episode with No Unfinished Business Podcast by John Strohmeyer, as she unravels the po…

1
Property Taxes in Texas | How Property Taxes Work 9:59

1y ago9:59

9:59

In Texas, property tax is zero at the state level. However, various districts like county, city, water districts, school, and emergency services have the authority to levy their own taxes. These taxes are assessed independently by each district and later collected by the county taxing office. In this episode, we will go into the different types of …

1
Construction Loans | The Basics | 2023 31:21

1y ago31:21

31:21

We are incredibly excited to introduce our special guest, Michelle Garcia. Michelle is an esteemed authority in construction financing, and she is here to share her valuable insights and expertise with all of you. Whether you're a homeowner embarking on the journey of building your dream home or a real estate investor venturing into the world of co…

1
Building Real Estate Wealth For Your Kids 16:56

1y ago16:56

16:56

There are three simple ways to start building real estate wealth early with your children. In this informative episode, Jennifer and realtor Kathy Crosby discuss these three strategies in more detail, offering valuable insights for your real estate journey with your children. The first strategy is to buy a rental property when your kids are born an…

1
Home Loans for Foreigners Buying in USA 7:34

1y ago7:34

7:34

In this compelling episode video, we have the privilege of hosting the renowned Cara Eubank, a distinguished Account Executive with a wealth of experience in facilitating home loans for foreign buyers in the United States. If you're contemplating the idea of purchasing a home in the USA as a foreign buyer, this episode is an absolute must-watch for…

1
DSCR loans for Investors - The Basics 10:06

1y ago10:06

10:06

In this episode, Jennifer discusses DSCR loans with Cara Eubank, an expert in financing for investment properties. DSCR stands for Debt Service Coverage Ratio, and these loans are designed specifically for investors. The loans consider the property's cash flow and have unique features such as no employment or income requirements, no debt-to-income …

1
Bank Statement Loans - The Basics 13:31

1y ago13:31

13:31

Welcome to another episode of Loan With Jen. Whether you're listening to us on the podcast or watching us on YouTube, we've got an exciting topic to talk about today: bank statement loans. We've received many questions about this popular trend, so we've brought in a special guest, Cara Eubank. She has been working in the mortgage industry since the…

1
Homeowners Save With Mortgage Tax Deductions 2023 8:14

1y ago8:14

8:14

Are you a homeowner with a mortgage? Did you know that you may be eligible for some tax deductions? In this episode, we'll cover the basics of mortgage tax deductions and how they can benefit you. First of all, let's define what a tax deduction is. A tax deduction is a reduction in the amount of taxable income you have, which can lower your overall…

1
Down Payment Assistance in Texas 2023 9:06

1y ago9:06

9:06

If you're a first-time buyer or non-first-time buyer in Texas looking for down payment assistance, this episode is for you. Jennifer Hernandez, a lender for almost three decades, discusses down payment assistance programs for homebuyers in Texas. She provides an overview of the most popular state-run programs - TDHCA and TSAHC - which offer up to 5…

1
Investment Properties Financing Options (Part 2) 14:41

1y ago14:41

14:41

When purchasing an investment property, there are 2 main types of financing. Conventional, or Private. Are you a new property investor looking to make your mark in the real estate market? This is perfect for you! In this episode, we have a special guest, private investor Scott Roberts, sharing his insights and expertise on property investment. Whet…

1
Buying Your First Investment Property (The Basics 2023) 13:06

1y ago13:06

13:06

Are you a new property investor looking to make your mark in the real estate market? This video is perfect for you! In this episode, we have a special guest, private investor Scott Roberts, sharing his insights and expertise on property investment. Join us for an informative and engaging conversation as we dive into the world of property investment…

1
Property Management Fraud and Eviction (Part 2) 13:59

1y ago13:59

13:59

In this episode, we'll cover everything you need to know about the basics of property management. Are you a landlord or a property manager looking to improve your property management skills? Or are you someone who’s thinking about property management but needs some questions answered first? Look no further! In this episode, we have a special guest,…

1
Property Management Basics (Part 1) 17:05

1+ y ago17:05

17:05

Want to know more about the basics of property management? Are you a landlord or a property manager looking to improve your property management skills? Or are you someone who’s thinking about property management but needs some questions answered first? Look no further! In this episode, we have a special guest, Chase Coleman, sharing his expertise a…

1
Applying for a Mortgage 2023 9:32

1+ y ago9:32

9:32

This episode is about applying for a mortgage in 2023… So if you're looking to buy your next home, whether it's your first home or a multiple home or you want to know where to start the process, then this episode is for you. We're going to cover the basic requirements to apply for a loan, what are the documents that you need to start gathering an…

1
FHA Loans 2023 16:38

1+ y ago16:38

16:38

In this episode, we'll cover everything you need to know about FHA loans in 2023. Are you considering an FHA loan and not sure what the basic requirements are? This podcast episode is going to cover the basics of an FHA loan. How to get a pre-approval, how to potentially qualify and so much more… In this episode, you’ll also hear: What is FHA and w…

1
Mortgage Points, What are They and How to Calculate 9:17

1+ y ago9:17

9:17

Want to know more about buying down your mortgage interest rate using mortgage points? We'll explain what mortgage points are and how they work. We'll show you how they're calculated and what factors to consider. And lastly, we'll help you determine if buying down your interest rate using mortgage points is right for you! With this comprehensive gu…

1
VA Loan Requirements 2023 24:19

1+ y ago24:19

24:19

This episode is about veterans. So if you are a veteran and you're looking to buy either the first time or multiple times, this is the podcast for you. We're gonna go over exactly what is required. The nuts and the bolts of a VA loan. Today, I talked with Terry Brown, an underwriter for Legacy Mutual Mortgage, the company I work for. In this episod…

1
Short Term Rentals / AIRBNB Tips 16:52

1+ y ago16:52

16:52

In this episode, we'll cover everything you need to know about short term rentals and AIRBNB tips. Our guest is Yvonne Fedee of iTrip, they manage property for short term rentals. If you're thinking of renting your property out for a short term rental, like an Airbnb, this is the episode for you. We're going to talk about steps to rent your home - …

1
How do Solar Panels Work / What are Solar Panels? 29:55

1+ y ago29:55

29:55

Want to know more about solar panels and if they are right for you? In this episode Jen talks to a solar panel expert, Kelly Kokora. Kelly is with Sunrun, one of the most seasoned and trusted solar panel companies. Kelly and Jen discuss who makes solar panels, the benefits of solar, why solar is not for everyone, and lastly which questions consumer…

1
What are Discount Points or Origination Points 7:39

1+ y ago7:39

7:39

In this episode, we'll cover everything you need to know about buying down your mortgage interest rate using mortgage points. We'll explain what mortgage points are and how they work. We'll show you how they're calculated and what factors to consider. And we'll help you determine if buying down your interest rate using mortgage points is right for …

1
How Property Taxes Work 16:15

1+ y ago16:15

16:15

In this episode, we'll be covering all things property tax! We'll start by defining what property tax is, how it's calculated, how property tax can increase, and how that might affect you down the road if you're purchasing a commercial or residential property. Let's jump in! In this episode, you’ll learn: Property taxes rates and specifics vary by …

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