ZABE Smart Mortgage Podcast
You're listening to the ZABE Smart Mortgage Podcast, a podcast that inspires and educates you about the lending process, what trends we're seeing, how to get the best rate, and so much more. My name is Fidel Dorado, and I'm a Mortgage Planner at ZABE Mortgage Group. I've helped hundreds of people with their mortgages, and now I want to help you become Mortgage Smart!
Episodes
Private Mortgage Insurance (PMI) is required by lenders on most home loans to protect themselves if a home buyer defaults on their loan. However, there will come a point when you have a choice to cancel PMI (depending on your loan terms).
Canceling (PMI) can save you money and help you build equity in your home. Although canceling PMI can be a good financial decision, you should make this choice after carefully considering the deta...
Mortgage insurance is a great way to protect yourself from rising interest rates and the risk of losing your home if you can't keep up with payments. But there are different types of mortgage insurance, and it can be difficult to know which one is right for you.
In this episode of the ZABE Smart Mortgage Podcast, Fidel Dorado, team leader at ZABE Mortgage Group, talks with Jeremy Goodson from Essent about the four different typ...
In this episode of the ZABE Smart Mortgage Podcast, Jeremy Goodson from Essent discusses private mortgage insurance (PMI). There's a lot of misconception and misinformation about PMI out there. Jeremy will help clarify what PMI can do and the types of protection it can offer homeowners.
Thank you for joining us on today's episode of the ZABE Smart Mortgage Podcast. If you've enjoyed this podcast, please take a moment t...
Home Equity is a big topic! Right now, homeowners have more equity in their homes than we’ve seen in the history of our country. In fact, homeowners in the United States are sitting on $10 trillion of home equity wealth. To give you an idea of how fast this growth happened, just in the first half of 2020, home equity increased by $620 billion. So, yes…this is a BIG TOPIC!
But is now the right time to pull equity out of your home? W...
The housing market is in a state of flux, with multiple factors contributing to constant change. It seems like ever since the pandemic started, the market has been going crazy with people buying and refinancing homes, but what will the market look like in 2022 and beyond? Will it cool down, or will the market grow stronger? Or will it be a mix of both?
That's what we're talking about in today's episode of the ZABE Smart...
It's 2022! A new year! Which means new opportunities for people looking to purchase their new home.
Now you've done everything – paid off debt, created an emergency fund, pre-paid for future taxes but you're still struggling with being able to purchase your first home. There ARE solutions to help you achieve your goal of owning a home in the near future.
In today's episode of the ZABE Smart Mortgage Podcast, Fidel Dor...
On the latest episode of the ZABE Smart Mortgage Podcast, Fidel chats with Realtor/Agent Jorge Cuevas of Village Homes Realty about his perspective as a realtor and how he approaches the business side of real estate. Fidel and Jorge will also discuss the current "seller's market" and take an in-depth look into the home buying process.
Did you know that 47% of homes in America are Mortgage Free? Incredible, and best of all, it's not an impossible dream. It can be a reality. You just have to be smart about your mortgage and your credit.
In this ZABE Smart Mortgage Podcast episode, Fidel Dorado talks about how your credit score affects mortgage loans and tips to improve your credit score.
Understanding how to manage your credit is important. Credit is not there...
In today's ZABE Smart Mortgage Podcast episode, Fidel Dorado breaks down the 6 Types of Mortgage Loans available and which one may be the best one for your situation.
Here's a short rundown but be sure to listen or watch the podcast for an in-depth breakdown of each loan from Fidel.
FHA Loans are more lenient towards people with lower credit score requirements while still keeping a low-down payment, typically a 3.5% down paym...
Owning a home is the ultimate American dream. But where should you start, and what is the first thing you should do?
First, you need to do a bit of self-reflect and say, "OK, am I ready to buy a home? Am I paying too much in rent to save for a house? What can I afford? Where am I in my career with my job? Where am I at with my credit? Do I need help establishing credit, or am I looking to improve or do something to put me on th...
Welcome to the first episode of the ZABE Smart Mortgage Podcast, a podcast that inspires and educates you about the lending process, what trends we're seeing, how to get the best rate, and so much more. Hosted by Fidel Dorado, team leader for the Fidel Dorado team at ZABE Mortgage Group, Fidel has helped hundreds of people with their mortgages, and now he wants to help you become mortgage smart.
Purchasing a home is a BIG invest...
In this episode of the ZABE Smart Mortgage Podcast, we talk about our Do's and Don't List that we send to every single claim that comes in, even two to three times, depending on the file, as we want to stress how important it is.
● DO - Notify your Mortgage Loan Officer with changes OR possible changes in your employment or income.
● DO - Notify your Mortgage Loan Officer of any new open credit accounts not appeari...
Hi this is Fidel Dorado, team lead at ZABE Mortgage Group.
I am happy to announce we will be launching the ZABE Smart Mortgage Podcast.
We are hoping to do two things:
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