"I Heard That" (Podcast) with Coach Clarence

"I Heard That" (Podcast) with Coach Clarence

Facts, Humor, and Fitness: And Honest Dialogue" with Coach Clarence If you're over 40 and ready to level up your health, wealth, and mindset, you're in the right place.I'm Coach Clarence—Certified Mortgage Advisor, Personal Fitness Coach, and someone who's walked the walk. This podcast is for you—the high-performer, the career-pivoting parent, the go-getter who knows there’s more life (and success) after 40.Every week, I bring you real talk, real strategies, and real stories from industry insiders in fitness, finances, and mindset coaching. We’ll dig into everything from: Mortgage strategies and credit repair tips Staying fit over 40 and fighting inflammation Career pivots, personal growth, and building financial freedom Honest, no-fluff conversations to keep you motivatedWhether you're chasing better health, making smarter money moves, or just want to feel good and crush your goals, this show gives you the tools to thrive.No gimmicks. No fluff. Just straight-up facts, humor, and game-changing advice to help you dominate your 40s and beyond.

Episodes

May 26, 2026 18 mins
Think you need a 700 credit score to buy a home in Phoenix? Think again. In this episode, I break down the truth about credit scores, FHA, VA, USDA, conventional loans, down payment assistance, and Non-QM options. The biggest mistake buyers make is self-disqualifying before they know their real options. Your credit score matters, but it is not the whole story. Lenders also look at income, debt, payment history, affordability, and...
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Everybody keeps saying the same thing right now: “Just wait.” Wait for rates to drop. Wait for prices to fall. Wait for the market to get better. But what happens when everybody jumps back in at the same time? In this episode, we talk about the real cost of waiting to buy a home… And why fear might be the thing actually holding buyers back. No hype. No fake urgency. Just an honest conversation about: • Rising competition • B...
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Everybody keeps saying the same thing right now: “Just wait.” Wait for rates to drop. Wait for prices to fall. Wait for the “perfect” time to buy. But what if waiting is actually costing you more? In this episode, we break down the real financial and emotional cost of sitting on the sidelines in today’s housing market. We talk about: • Why lower interest rates could create MORE competition • How waiting can quietly price buyer...
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In this episode, we break down how seasonal income, contract income, travel nurse income, overtime, commission, and other types of variable income may be reviewed when applying for a mortgage. Many first-time homebuyers and homeowners looking to refinance assume that inconsistent income automatically disqualifies them from getting approved. That is not always the case. Seasonal income may be used to qualify for a home loan, but ...
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Summer expenses are coming fast: camps, vacations, sports, groceries, home repairs, and all the surprise costs that seem to hit at once. But before those bills start stacking up, there may be one place homeowners forget to look: their mortgage. In this episode, we talk about why a low mortgage rate does not always mean your full financial picture is healthy. You’ll hear the story of a homeowner with a 2.99% mortgage who was still ...
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If you’re going through a divorce, separation, or property split and trying to figure out what happens to the house, this episode breaks it down in plain English. We’re talking about equity buyouts, how one person may be able to stay in the home, and why that doesn't always mean a traditional cash-out refinance. In this episode, we unpack the difference between ownership, mortgage liability, and equity payout… because those are th...
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Most real estate investors think they have to qualify for a mortgage the same way they did for their primary home. That old-school thinking keeps a lot of people stuck. In this episode, Coach Clarence from Team Ferguson reveals how DSCR loans give investors a different and often smarter way to finance rental properties. Instead of focusing heavily on your personal income, these loans look at whether the property can pay for itself...
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Think you need perfect credit or 20% down to buy a home in Phoenix? Think again. In this episode, we break down one of the biggest questions first-time homebuyers face: FHA vs. Conventional loans — and which one actually gives you the advantage. There’s a lot of bad information floating around. Some people think FHA loans are only for buyers with bad credit, while others believe conventional loans require massive down payments an...
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Think being self-employed means you can’t qualify for a mortgage? Think again. Too many entrepreneurs, freelancers, and business owners assume their tax write-offs, inconsistent income, or credit history will keep them from buying a home. And sometimes… banks don’t exactly make the process easy. In this episode, we break down the real formula lenders use to approve mortgages—something most buyers never learn. It’s called the Fo...
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The real estate market right now is confusing for many buyers… but it’s also full of opportunity.

In this episode, we break down how today’s market can benefit both buyers and sellers, how supply and demand are shaping home prices, and why many buyers hold themselves back with outdated assumptions about credit scores and down payments.

We also explain why a strong pre-approval matters more than ever and how it can help your offer sta...

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Is now really the worst time to buy a home… or the biggest opportunity? 

In this episode of the I Heard That Podcast, Clarence breaks down the 2026 housing market, tackling rising interest rates, high home prices, and the fear keeping buyers stuck on the sidelines. 

If you’ve been waiting for rates to drop or prices to crash, this episode challenges that thinking—and explains why hesitation could cost you more than action

Discover ...

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Are you being told that you need a 20% down payment, a credit score of 700 or higher, and perfect timing to buy a home?

That belief is keeping thousands of qualified buyers stuck on the sidelines.

In this episode of The I Heard That Podcast, Coach Clarence breaks down the biggest mortgage myths dominating today’s market — from down payment misconceptions to credit score confusion to the belief that high interest rates mean you should...

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Over 2 million borrowers just lost 100+ credit points, and most never saw it coming. If your score slid from a 700 to a 550 overnight, this episode is your playbook to reverse it.

Inside, we unpack exactly how post-October 2024 reporting torpedoed scores—retroactive lates, skipped notices, duplicate tradelines, and how those same violations can be used to dispute and delete the damage.

What you’ll learn:

  • The reporting rules federa...
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JR—Arizona’s go-to home insurance specialist—breaks down how your policy can speed or stall a mortgage, refi, or HELOC. He shows what lenders verify (coverage limits, deductibles, replacement cost vs. ACV, effective dates, the mortgagee clause) and the gaps that jam closings—missing binders, wrong clauses, roof exclusions, HOA “walls-in” misunderstandings. Then he walks through the simple fixes he used on my policy to tighten cover...

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Crypto Meets Real Estate?!
You can now buy a home using your Bitcoin, without selling it.

No, this isn’t hype.
 Starting mid-2025, a new rule from the Federal Housing Agency allows Bitcoin stored on U.S.-regulated exchanges to be used as mortgage collateral.

✅ Keep your crypto
 ✅ Avoid capital gains
 ✅ Skip the credit check (in some cases)

I break it all down in the latest episode of Coach’s Corner—from how the process works to who qual...

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You’ve been lied to.
No, you don’t need perfect credit.
No, you don’t need 20% down.
And no, you don’t need a six-figure salary to become a homeowner.

In this straight-shooting episode, Coach Clarence busts the biggest myths that have been holding people back from buying a home. Whether you’re living paycheck to paycheck or just unsure where to start, this one’s for you.

✅ Learn the truth about what it takes to get qualified
 ✅ Discov...

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Let’s be real… Most people are drowning in content but starving for impact.

In this episode of Coach’s Corner, we get raw with David Griffiths—gospel artist, former youth pastor, and ex-middle school teacher turned digital disruptor. If you think passion is enough to win online, think again. David breaks down how most creators are doing it wrong and why authenticity without strategy is a waste of time in the age of AI and algorithm ...

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She’s a powerhouse mom, a top-performing realtor, and a no-BS life coach — and she’s not holding back.

In this episode of Coach’s Corner, Shelly Lawhorn gets real about what it’s like juggling real estate, single motherhood, and personal growth in a world full of distractions and double standards.

We talk about:
 * The truth behind modern dating & the “narcissist” buzzword
 * Why real estate is still a smart move (even with today’s rat...

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In this powerhouse episode of Coach’s Corner, we sit down with Brandon Cullen, CEO and co-founder of MADabolic. From pro hockey roots to building a national boutique fitness brand, Brandon shares how he went from the rink to the boardroom. We unpack:

●     Why movement trumps macros.
 
 

●     How Metabolic attracts high-achievers and keeps it exclusive by design.
 

●     The challenge of scaling without sacrificing culture.
 
 

●     His r...

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In this episode of  Coaches Corner, Coach Clarence dives into a powerful but often overlooked homebuying strategy—the mortgage buy-down. With rising interest rates sidelining buyers and scaring off first-timers, Clarence breaks down how a 2-1 buy-down can put real cash back in your pocket.

You’ll learn:
 ✅ What a mortgage buy-down is (in plain English)
 ✅ How a 2-1 strategy works and who it’s best for
 ✅ Why this could be the game-chan...

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