Cracking the Mortgage Code with Tim Arrington: Secrets Every Agent & Buyer Should Know

In this episode of Head in the Clouds, Heather Fowler sits down with Tim Arrington, a seasoned mortgage broker and owner of Mortgage Core, to unravel the truth about home loans, down payment myths, and how buyers and agents can finally stop losing deals to financing chaos.

Guest Bio:
Tim Arrington is the owner and broker at Mortgage Core. With over 25 years of experience, Tim is a trusted partner for real estate agents and buyers who need transparency, strategy, and a path to the closing table.

We cover:

• Why the mortgage game has changed—and how to play it smart

• Common buyer misconceptions that cost them their dream home

• A behind-the-scenes look at what lenders actually look at

• The truth about down payment assistance (and who should avoid it)

• Real talk on rates, refis, DTI, and what’s next in the 2025 market

Whether you’re a first-time homebuyer, a seasoned agent, or somewhere in between, this episode will arm you with the clarity and strategy to win in today’s housing market.

Don’t forget to like, subscribe, and share with a fellow agent or home shopper who needs this clarity.

---

Episode Links:

• Apply with Tim at https://mortgagecore.com/

• Call/Text Tim: [phone] 

• Book a 1-on-1 Session:

  • With Heather: Schedule with Heather

   

  Never Miss a Show:

  Subscribe at RealTalkHA.live

   

  Join Our Community:

  Head in the Clouds Agent Group – A free space to collaborate, grow, and get inspired with other driven agents.

   

Chapters

• (00:00:00) - Head in the Clouds: Mortgages
• (00:01:15) - Timothy Miller on Becoming a Mortgage Agent
• (00:02:04) - How Has the Real Estate Industry Changed?
• (00:03:03) - What's Your Favorite Part of the Job?
• (00:03:54) - How to Get a Homeowners Loan
• (00:05:52) - Do You Need a Mortgage From a Bank or a Broker?
• (00:08:07) - Mortgage Options for Buying a House
• (00:11:55) - Timid Mortgage Corp: Help Your Homeowner Buy a Home
• (00:14:19) - Bu