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. Certain restrictions apply. Call for details. Certificate of Eligibility required for VA loans. NMLS3029 (www.nmlsconsumeraccess.org). Equal Housing Opportunity.
Episodes
February 24, 2024 • 53 mins
Total Home Authority Member, Collette Biedenkopf, the Queen of Insurance joins the show! This week we're talking Insurance. Home Owners insurance, Flood Insurance, and more. Later Dwayne and Collette do a Rapid Fire Q&A session. Like, what is a deductible, the difference between replacement cost and actual cash value, and so much more! Get in touch with Collette's office by calling 985-951-2070
All that and more on Mortgage Gumbo ...
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February 17, 2024 • 53 mins
Credit Awareness Month rolls on! This week your Chef Dwayne Stein Debunks Credit Myths. What's the difference between a Soft credit pull versus a Hard credit pull? Dwayne also answers the questions you sent in via email, or social media messages. Dwayne kicks off the show with some intresting data he found. What is the Average FICO score for your Generation?
All that and more on Mortgage Gumbo w/ Dwayne Stein 2/17/24
Personal NML...
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Credit Awareness Month Continues. Last week broke down HOW your Credit Score was determined. This Week your Chef Dwayne Stein revisits that information, but gives you the Tips & Tricks you need to know to Increase your Score! Later Dwayne shares his thoughts on Jerome Powell and his 15 minutes of fame. Also Dwayne breaks down the Debt numbers for Americans.....and it is UGLY with a capital U.
All that and more on Mortgage Gumbo w/...
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February 17, 2024 • 50 mins
February is Credit Awareness Month. All month long your Chef Dwayne Stein will be giving you education and options, and most of all the Truth about you Credit Score and More. We kick off Credit Awareness month by explaining HOW your Credit is Scored. Later Dwayne talks about the the latest news from the Fed. The September Jobs report came out and Dwayne calls it Baloney...he would say worse, but the FCC is listening. Home Sales num...
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January 27, 2024 • 52 mins
Is a Refinance Right for You? Your Chef Dwayne Stein is always bringing you education and options, and his favorite phrase is Marry the House, Date the Rate. We can't all have a 2% rate, but you can maximize your savings by considering a refi. Dwayne kicks off the show with the full data from 2023 on New Home Sales...that means new builds that have never been lived in. Later Dwayne talks about the rise of Debt in 2023...are you on ...
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January 20, 2024 • 53 mins
So you Offer was accepted, and you're under Contract. So now what? Never Fear when your Chef Dwayne Stein is here! As always he's bringing you education and options, and today's show is no different. But we kick off today's show talking about Santa Claus....yes. Santa Claus. Later he covers the latest housing, data, the attacks on shipping in the Middle East, and how it affects the US economy. And of course his weekly segment Rate ...
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January 13, 2024 • 53 mins
How are Mortgage rates determined? Your Chef Dwayne Stein is going to explain why it's so much more than just a phone call asking..."What are your rates?"
The latest CPI Numbers (Consumer Price Index) came out, and Dwayne breaks them down for you.
PRE-Qualified Versus PRE-Approved. What's the difference? Those two little words can mean the difference between home ownership and homelessness.
All that and more on Mortgage Gumbo w/ D...
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January 6, 2024 • 54 mins
Happy New Year!!! It's time to get Financially Fit! Your Chef Dwayne Stein, as always, brings you education and options on getting yourself financially fit in 2024. Todays main topic is for Homebuyers. What are Contingencies and what do they mean for you when you are purchasing a home. Dwayne also talks about the new BS Report...uh...the B L S Report. Later Dwayne has his weekly segment "Rate Watch" brought to you by Tito's Handmad...
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December 30, 2023 • 52 mins
It's the Final show of 2023! Your Chef Dwayne Stein closes out the year with a look at the future. What will the 2024 Housing Market look like? What can you expect for the value of your home or future home? Later Dwayne explains what the Fed cuts mean for Home Buyers. What is the Lock In Effect, and what does CDC stand for? Finally we close out the year with our last Rate Watch segment brought to you by Tito's Handmade Vodka.
All t...
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December 23, 2023 • 53 mins
Merry Christmas from your Chef Dwayne Stein! On today's menu...Why 2024 is Your Year for Home Ownership! Santa Stein dips into his goodie bag for Stocking Stuffers of info for home buyers. Later Dwayne talks about the New Home Sales numbers, and separate's the Headlines from Facts! The new info on Student Loan Debts will boggle your brain. Finally Dwayne does his weekly segment "Rate Watch" brought to you by Tito's Handmade Vodka.
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December 16, 2023 • 52 mins
Merry Christmas from your Chef Dwayne Stein. There's still time to join the Gumbo Nation and get registered to win from a cornucopia of prizes! Sign up here---> https://mortgagegumbo.com/
On the menu this week...What is a Gift of Equity? Who can give a gift? How do they work? What types are there? Dwayne will explain it all. Jerome Powell spoke this week, and for once it was some good news. Later Dwayne is talking about Prediction...
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December 9, 2023 • 52 mins
The Trend is our Friend! Rates are falling, but what does it mean? It means your buying power just increased. Your Chef Dwayne Stein is going to explain how that works, and why it works. Also, for all you homeowners out there. You may just be sitting on a Gold Mine! Later Dwayne goes over the Job Report data aka the BLS Report, or as Dwayne affectionately refers to as the BS Report. Finally we bring you Rate Watch brought to you by...
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December 2, 2023 • 53 mins
Rates are Falling, and your Chef Dwayne Stein continues to provide education and options backed with actual data. First off, new existing home sales numbers are out and they're at a 15 year low. New Loan Limits are working in your favor. Later Dwayne explains how to compete in todays market. How can you get the most for your home in this market. Finally Dwayne has his weekly segment "Rate Watch" brought to you by Tito's
All that an...
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November 18, 2023 • 53 mins
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, j...
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November 11, 2023 • 53 mins
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 ...
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November 11, 2023 • 53 mins
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
Per...
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October 28, 2023 • 53 mins
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 dat...
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October 21, 2023 • 53 mins
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'...
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October 14, 2023 • 52 mins
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 we...
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October 7, 2023 • 53 mins
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/...
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