Mortgage Matters Transistor (https://transistor.fm) https://feeds.transistor.fm/mortgage-matters Mortgage Matters is a Las Vegas, Nevada–based mortgage and homeownership podcast hosted by licensed loan officers Roland Daniels (NMLS #355859) and Heidi Griffith (NMLS #2247754) with Geneva Financial. Airing every Sunday at 7:30 AM on KUNV 91.5 and available wherever you listen to podcasts, the show covers real mortgage questions, down payment assistance programs in Nevada, VA loans, FHA loans, first-time homebuyer strategies, and building generational wealth through homeownership. But Mortgage Matters is more than a mortgage show. Roland and Heidi regularly bring in community voices—organizations and individuals doing meaningful work across Las Vegas and Nevada—because they believe homeownership doesn't happen in a vacuum. Housing advocacy, community resources, and economic empowerment are part of every conversation. Roland and Heidi are active community educators who lead free homebuyer workshops across Nevada in partnership with the Nevada Housing Division, Chicanos Por La Causa (CPLC), and Nevada Rural Housing Authority, plus a series of other housing and finance classes, covering programs like Home Is Possible and Worker Advantage. Roland Daniels is a director with the local chapter of the National Association of Real Estate Brokers (NAREB), Black Realtists of Southern Nevada — an organization both Roland and Heidi are proud members of. Heidi Griffith currently serves as acting President of the Silver State Fair Housing Council, where Roland also serves as a board member. Together, they bring decades of Las Vegas mortgage expertise — and a deep commitment to closing the racial and economic homeownership gap — to every episode. © 2026 Mortgage Matters 380f3f2e-75f6-5054-b56f-f2e083eebc09 no en Sun, 29 Mar 2026 08:00:02 -0700 Sun, 29 Mar 2026 08:03:09 -0700 https://img.transistorcdn.com/0TNK-l9jD2KZUe1pgkdRTlyZeg0We-hKT1y87CtV1hI/rs:fill:0:0:1/w:1400/h:1400/q:60/mb:500000/aHR0cHM6Ly9pbWct/dXBsb2FkLXByb2R1/Y3Rpb24udHJhbnNp/c3Rvci5mbS80NjE5/ZWYxZDJjNjViZGNm/YTdmN2NjZjFiNGFi/NjFkOC5wbmc.jpg Mortgage Matters episodic Mortgage Matters Mortgage Matters is a Las Vegas, Nevada–based mortgage and homeownership podcast hosted by licensed loan officers Roland Daniels (NMLS #355859) and Heidi Griffith (NMLS #2247754) with Geneva Financial. Airing every Sunday at 7:30 AM on KUNV 91.5 and available wherever you listen to podcasts, the show covers real mortgage questions, down payment assistance programs in Nevada, VA loans, FHA loans, first-time homebuyer strategies, and building generational wealth through homeownership. But Mortgage Matters is more than a mortgage show. Roland and Heidi regularly bring in community voices—organizations and individuals doing meaningful work across Las Vegas and Nevada—because they believe homeownership doesn't happen in a vacuum. Housing advocacy, community resources, and economic empowerment are part of every conversation. Roland and Heidi are active community educators who lead free homebuyer workshops across Nevada in partnership with the Nevada Housing Division, Chicanos Por La Causa (CPLC), and Nevada Rural Housing Authority, plus a series of other housing and finance classes, covering programs like Home Is Possible and Worker Advantage. Roland Daniels is a director with the local chapter of the National Association of Real Estate Brokers (NAREB), Black Realtists of Southern Nevada — an organization both Roland and Heidi are proud members of. Heidi Griffith currently serves as acting President of the Silver State Fair Housing Council, where Roland also serves as a board member. Together, they bring decades of Las Vegas mortgage expertise — and a deep commitment to closing the racial and economic homeownership gap — to every episode. Mortgage Matters is a Las Vegas, Nevada–based mortgage and homeownership podcast hosted by licensed loan officers Roland Daniels (NMLS #355859) and Heidi Griffith (NMLS #2247754) with Geneva Financial. Las Vegas mortgage, Nevada mortgage, Las Vegas down payment assistance, Nevada down payment assistance, first-time homebuyer Las Vegas, homebuyer class Las Vegas, VA loan Nevada, mortgage help Las Vegas, buying a home in Nevada Roland Daniels & Heidi Griffith No No What Families Are Really Facing in Las Vegas Schools - A Conversation with Ruby Thomas Elementary 77 77 What Families Are Really Facing in Las Vegas Schools - A Conversation with Ruby Thomas Elementary full 438482f7-fbef-4ef0-ba1b-d7d9adb578af https://share.transistor.fm/s/2c9778a4 This episode of Mortgage Matters focuses on what families and students are really facing in Las Vegas schools, with a conversation featuring Melissa Marzan from Ruby Thomas Elementary.

The discussion highlights the realities of student homelessness in Southern Nevada, where more than 13,000 students are experiencing housing instability. It explores what that looks like day to day, how it impacts children and families, and the role schools and community support systems play in creating stability.

The episode also reflects on the Ruby Thomas Elementary toy drive and the impact it had on students, along with the importance of community involvement beyond the holiday season.

Also discussed is the Title I HOPE documentary, Learning to Survive: A Lesson in Student Homelessness, which shares real stories from students and families across the district. A screening will be held on April 27 at 10:30 AM at the West Charleston Library, providing an opportunity to better understand the challenges many families are facing and how the community can support.

At the beginning of the show, upcoming Nevada homebuyer education opportunities are covered, including the Path to Homeownership workshop and the Nevada Housing Division Home Is Possible class. The Worker Advantage program is also discussed, including how eligible buyers may access up to $20,000 for down payment assistance and interest rate buydown options.

This episode connects housing, education, and stability, and highlights why access to all three matters.

Heidi Griffith (NMLS #2247754) and Roland Daniels (NMLS #355859) are mortgage advisors with Geneva Financial (NMLS #42056) in Las Vegas and hosts of Mortgage Matters Radio on KUNV 91.5. Through their radio show and homebuyer education workshops, they focus on helping people understand credit, finances, and how to prepare for homeownership.

They regularly teach homebuyer education classes that cover financial readiness, credit preparation, and programs available to Nevada homebuyers.

]]> This episode of Mortgage Matters focuses on what families and students are really facing in Las Vegas schools, with a conversation featuring Melissa Marzan from Ruby Thomas Elementary.

The discussion highlights the realities of student homelessness in Southern Nevada, where more than 13,000 students are experiencing housing instability. It explores what that looks like day to day, how it impacts children and families, and the role schools and community support systems play in creating stability.

The episode also reflects on the Ruby Thomas Elementary toy drive and the impact it had on students, along with the importance of community involvement beyond the holiday season.

Also discussed is the Title I HOPE documentary, Learning to Survive: A Lesson in Student Homelessness, which shares real stories from students and families across the district. A screening will be held on April 27 at 10:30 AM at the West Charleston Library, providing an opportunity to better understand the challenges many families are facing and how the community can support.

At the beginning of the show, upcoming Nevada homebuyer education opportunities are covered, including the Path to Homeownership workshop and the Nevada Housing Division Home Is Possible class. The Worker Advantage program is also discussed, including how eligible buyers may access up to $20,000 for down payment assistance and interest rate buydown options.

This episode connects housing, education, and stability, and highlights why access to all three matters.

Heidi Griffith (NMLS #2247754) and Roland Daniels (NMLS #355859) are mortgage advisors with Geneva Financial (NMLS #42056) in Las Vegas and hosts of Mortgage Matters Radio on KUNV 91.5. Through their radio show and homebuyer education workshops, they focus on helping people understand credit, finances, and how to prepare for homeownership.

They regularly teach homebuyer education classes that cover financial readiness, credit preparation, and programs available to Nevada homebuyers.

]]> Sun, 29 Mar 2026 08:00:00 -0700 Mortgage Matters Mortgage Matters 1704 This episode of Mortgage Matters focuses on what families and students are really facing in Las Vegas schools, with a conversation featuring Melissa Marzan from Ruby Thomas Elementary.

The discussion highlights the realities of student homelessness in Southern Nevada, where more than 13,000 students are experiencing housing instability. It explores what that looks like day to day, how it impacts children and families, and the role schools and community support systems play in creating stability.

The episode also reflects on the Ruby Thomas Elementary toy drive and the impact it had on students, along with the importance of community involvement beyond the holiday season.

Also discussed is the Title I HOPE documentary, Learning to Survive: A Lesson in Student Homelessness, which shares real stories from students and families across the district. A screening will be held on April 27 at 10:30 AM at the West Charleston Library, providing an opportunity to better understand the challenges many families are facing and how the community can support.

At the beginning of the show, upcoming Nevada homebuyer education opportunities are covered, including the Path to Homeownership workshop and the Nevada Housing Division Home Is Possible class. The Worker Advantage program is also discussed, including how eligible buyers may access up to $20,000 for down payment assistance and interest rate buydown options.

This episode connects housing, education, and stability, and highlights why access to all three matters.

Heidi Griffith (NMLS #2247754) and Roland Daniels (NMLS #355859) are mortgage advisors with Geneva Financial (NMLS #42056) in Las Vegas and hosts of Mortgage Matters Radio on KUNV 91.5. Through their radio show and homebuyer education workshops, they focus on helping people understand credit, finances, and how to prepare for homeownership.

They regularly teach homebuyer education classes that cover financial readiness, credit preparation, and programs available to Nevada homebuyers.

]]> Las Vegas mortgage, Nevada mortgage, Las Vegas down payment assistance, Nevada down payment assistance, first-time homebuyer Las Vegas, homebuyer class Las Vegas, VA loan Nevada, mortgage help Las Vegas, buying a home in Nevada No Breaking Down Nevada's Down Payment Assistance Programs, Income Limits, Credit Requirements, and the $20,000 Workers Advantage Benefit 76 76 Breaking Down Nevada's Down Payment Assistance Programs, Income Limits, Credit Requirements, and the $20,000 Workers Advantage Benefit full b98781e2-9442-4e93-928b-6c9a38d93d91 https://share.transistor.fm/s/5c7567d2 Roland Daniels and Heidi Griffith, discuss the Nevada Housing Division's down payment assistance programs. They highlight the importance of these programs in bridging the gap to homeownership, noting that it typically takes seven years to save for a down payment. The Nevada Housing Division's programs offer up to 5% down payment assistance, with a minimum FICO score of 640. They clarify misconceptions, such as the income limit  and the need for perfect credit. The Workers Advantage program offers $20,000 in assistance to essential workers. They emphasize the importance of education and resources for improving credit and understanding homeownership responsibilities.

]]> Roland Daniels and Heidi Griffith, discuss the Nevada Housing Division's down payment assistance programs. They highlight the importance of these programs in bridging the gap to homeownership, noting that it typically takes seven years to save for a down payment. The Nevada Housing Division's programs offer up to 5% down payment assistance, with a minimum FICO score of 640. They clarify misconceptions, such as the income limit  and the need for perfect credit. The Workers Advantage program offers $20,000 in assistance to essential workers. They emphasize the importance of education and resources for improving credit and understanding homeownership responsibilities.

]]> Sun, 22 Mar 2026 08:00:00 -0700 Mortgage Matters Mortgage Matters 1733 Roland Daniels and Heidi Griffith, discuss the Nevada Housing Division's down payment assistance programs. They highlight the importance of these programs in bridging the gap to homeownership, noting that it typically takes seven years to save for a down payment. The Nevada Housing Division's programs offer up to 5% down payment assistance, with a minimum FICO score of 640. They clarify misconceptions, such as the income limit  and the need for perfect credit. The Workers Advantage program offers $20,000 in assistance to essential workers. They emphasize the importance of education and resources for improving credit and understanding homeownership responsibilities.

]]> Las Vegas mortgage, Nevada mortgage, Las Vegas down payment assistance, Nevada down payment assistance, first-time homebuyer Las Vegas, homebuyer class Las Vegas, VA loan Nevada, mortgage help Las Vegas, buying a home in Nevada No From Broke to Budgeting: How Down Payment Assistance Helps First-Time Buyers Buy a Home 75 75 From Broke to Budgeting: How Down Payment Assistance Helps First-Time Buyers Buy a Home full 37dd2467-6567-40ac-9d8e-dd9d99658d48 https://share.transistor.fm/s/ad33e971 On this episode of Mortgage Matters, hosts Roland Daniels and Heidi Griffith build on last week’s conversation with guest Jill Avilez, whose journey from a cash-only, credit-free lifestyle to building financial stability highlights how everyday financial habits can change the path toward homeownership.

Roland and Heidi discuss practical budgeting strategies that can help people take control of their finances - from tracking spending and reviewing recurring bills to cutting unnecessary subscriptions and reducing delivery spending. Small adjustments can create room to save and move closer to long-term goals like buying a home.

They also highlight an upcoming Nevada Housing Division homebuyer education class, where attendees can learn about down payment assistance programs, credit requirements, and the homebuying process.

In recognition of Women’s History Month, the episode also shares a powerful statistic: single women have purchased more homes than single men every year since 1981, reflecting the growing role women play in building financial stability through homeownership.

Mortgage Matters is a weekly public radio show hosted by Roland Daniels and Heidi Griffith that airs Sunday mornings on KUNV 91.5 in Las Vegas. The show focuses on housing, financial literacy, community conversations, and helping people understand the path to homeownership.

]]> On this episode of Mortgage Matters, hosts Roland Daniels and Heidi Griffith build on last week’s conversation with guest Jill Avilez, whose journey from a cash-only, credit-free lifestyle to building financial stability highlights how everyday financial habits can change the path toward homeownership.

Roland and Heidi discuss practical budgeting strategies that can help people take control of their finances - from tracking spending and reviewing recurring bills to cutting unnecessary subscriptions and reducing delivery spending. Small adjustments can create room to save and move closer to long-term goals like buying a home.

They also highlight an upcoming Nevada Housing Division homebuyer education class, where attendees can learn about down payment assistance programs, credit requirements, and the homebuying process.

In recognition of Women’s History Month, the episode also shares a powerful statistic: single women have purchased more homes than single men every year since 1981, reflecting the growing role women play in building financial stability through homeownership.

Mortgage Matters is a weekly public radio show hosted by Roland Daniels and Heidi Griffith that airs Sunday mornings on KUNV 91.5 in Las Vegas. The show focuses on housing, financial literacy, community conversations, and helping people understand the path to homeownership.

]]> Sun, 15 Mar 2026 08:00:00 -0700 Mortgage Matters Mortgage Matters 1778 On this episode of Mortgage Matters, hosts Roland Daniels and Heidi Griffith build on last week’s conversation with guest Jill Avilez, whose journey from a cash-only, credit-free lifestyle to building financial stability highlights how everyday financial habits can change the path toward homeownership.

Roland and Heidi discuss practical budgeting strategies that can help people take control of their finances - from tracking spending and reviewing recurring bills to cutting unnecessary subscriptions and reducing delivery spending. Small adjustments can create room to save and move closer to long-term goals like buying a home.

They also highlight an upcoming Nevada Housing Division homebuyer education class, where attendees can learn about down payment assistance programs, credit requirements, and the homebuying process.

In recognition of Women’s History Month, the episode also shares a powerful statistic: single women have purchased more homes than single men every year since 1981, reflecting the growing role women play in building financial stability through homeownership.

Mortgage Matters is a weekly public radio show hosted by Roland Daniels and Heidi Griffith that airs Sunday mornings on KUNV 91.5 in Las Vegas. The show focuses on housing, financial literacy, community conversations, and helping people understand the path to homeownership.

]]> Las Vegas mortgage, Nevada mortgage, Las Vegas down payment assistance, Nevada down payment assistance, first-time homebuyer Las Vegas, homebuyer class Las Vegas, VA loan Nevada, mortgage help Las Vegas, buying a home in Nevada No Financial Literacy: From No Credit to 697 | Mortgage Matters 74 74 Financial Literacy: From No Credit to 697 | Mortgage Matters full 23cb8960-504b-489e-92aa-5efa99dc5aae https://share.transistor.fm/s/266c1130 Most people were never taught how money actually works.

Credit. Budgeting. Debt. Saving. These things shape our financial future, yet many of us grow up learning about them through trial and error.

In this episode of Mortgage Matters, Heidi Griffith talks about financial literacy and why understanding your finances can change the direction of your life.

Heidi is joined by Jill Avilez, who shares her personal journey of going from having no credit at all to building her score to nearly 700. Jill talks honestly about what it felt like to realize she didn’t fully understand how money worked - and the steps she took to change that.

From negotiating bills and reviewing bank statements to building credit and starting her first real savings, Jill’s story shows how small changes can create real momentum.

This conversation is a reminder that many people aren’t struggling because they’re irresponsible - they’re struggling because nobody ever taught them how the system works.

If you’ve ever felt behind financially, this episode is for you.

If you have questions about anything discussed on today’s show, you can call or text 702-210-2057.
You can also visit Mortgage Matters Radio on Facebook to find links to upcoming classes and resources.

]]> Most people were never taught how money actually works.

Credit. Budgeting. Debt. Saving. These things shape our financial future, yet many of us grow up learning about them through trial and error.

In this episode of Mortgage Matters, Heidi Griffith talks about financial literacy and why understanding your finances can change the direction of your life.

Heidi is joined by Jill Avilez, who shares her personal journey of going from having no credit at all to building her score to nearly 700. Jill talks honestly about what it felt like to realize she didn’t fully understand how money worked - and the steps she took to change that.

From negotiating bills and reviewing bank statements to building credit and starting her first real savings, Jill’s story shows how small changes can create real momentum.

This conversation is a reminder that many people aren’t struggling because they’re irresponsible - they’re struggling because nobody ever taught them how the system works.

If you’ve ever felt behind financially, this episode is for you.

If you have questions about anything discussed on today’s show, you can call or text 702-210-2057.
You can also visit Mortgage Matters Radio on Facebook to find links to upcoming classes and resources.

]]> Sun, 08 Mar 2026 08:00:00 -0700 Mortgage Matters Mortgage Matters 1800 Most people were never taught how money actually works.

Credit. Budgeting. Debt. Saving. These things shape our financial future, yet many of us grow up learning about them through trial and error.

In this episode of Mortgage Matters, Heidi Griffith talks about financial literacy and why understanding your finances can change the direction of your life.

Heidi is joined by Jill Avilez, who shares her personal journey of going from having no credit at all to building her score to nearly 700. Jill talks honestly about what it felt like to realize she didn’t fully understand how money worked - and the steps she took to change that.

From negotiating bills and reviewing bank statements to building credit and starting her first real savings, Jill’s story shows how small changes can create real momentum.

This conversation is a reminder that many people aren’t struggling because they’re irresponsible - they’re struggling because nobody ever taught them how the system works.

If you’ve ever felt behind financially, this episode is for you.

If you have questions about anything discussed on today’s show, you can call or text 702-210-2057.
You can also visit Mortgage Matters Radio on Facebook to find links to upcoming classes and resources.

]]> Las Vegas mortgage, Nevada mortgage, Las Vegas down payment assistance, Nevada down payment assistance, first-time homebuyer Las Vegas, homebuyer class Las Vegas, VA loan Nevada, mortgage help Las Vegas, buying a home in Nevada No Down Payment Assistance Nevada: Worker Advantage, Rural Rocks & the Path to Homeownership Workshop | Mortgage Matters Radio 73 73 Down Payment Assistance Nevada: Worker Advantage, Rural Rocks & the Path to Homeownership Workshop | Mortgage Matters Radio full df35a56e-3718-4900-88d3-b16495eeccfa https://share.transistor.fm/s/99dd10a5 Roland Daniels and Heidi Griffith teach homebuyer education classes across Nevada every month. This episode of Mortgage Matters covers what they're hearing and seeing right now.

They spend real time on the Worker Advantage Program, Nevada Housing Division's $20,000 down payment assistance for essential workers in healthcare, education, construction, and public safety. With roughly 600 loans remaining statewide, they walk through how the funds work, how to use them to buy down your interest rate, and why the current rate environment makes the buy-down option worth a serious look.

They also cover Rural Rocks 20K, Nevada Rural Housing Authority's $20,000 program with buy-down options, and explain which parts of the Las Vegas Valley (Whitney, Winchester, Summerlin South) actually qualify as rural, which catches most people off guard.

They talk through the WISH Fund, a 4-to-1 match program through CPLC (Chicanos Por La Causa) returning in April, and how it can be layered with Nevada Housing Division and Nevada Rural Housing down payment programs for maximum assistance.

The episode also previews the upcoming Path to Homeownership Workshop on Saturday, March 7, 2026 from 8:30 AM to 3:00 PM, a free full-day homebuyer education class in Las Vegas offered in partnership with CPLC, covering credit, budgeting, homeowners insurance, real estate representation, new home sales, and down payment assistance programs.

The episode closes with a reminder about the Silver State Fair Housing Council's housing tester program and how to get involved in the fight against housing discrimination in Nevada.

📅 Path to Homeownership Workshop: Saturday, March 7, 2026 | 8:30 AM – 3:00 PM 📞 Register or ask questions: 702-210-2057 

Roland Daniels NMLS #355859 | Heidi Griffith NMLS #2247754 | Geneva Financial NMLS #42056

]]> Roland Daniels and Heidi Griffith teach homebuyer education classes across Nevada every month. This episode of Mortgage Matters covers what they're hearing and seeing right now.

They spend real time on the Worker Advantage Program, Nevada Housing Division's $20,000 down payment assistance for essential workers in healthcare, education, construction, and public safety. With roughly 600 loans remaining statewide, they walk through how the funds work, how to use them to buy down your interest rate, and why the current rate environment makes the buy-down option worth a serious look.

They also cover Rural Rocks 20K, Nevada Rural Housing Authority's $20,000 program with buy-down options, and explain which parts of the Las Vegas Valley (Whitney, Winchester, Summerlin South) actually qualify as rural, which catches most people off guard.

They talk through the WISH Fund, a 4-to-1 match program through CPLC (Chicanos Por La Causa) returning in April, and how it can be layered with Nevada Housing Division and Nevada Rural Housing down payment programs for maximum assistance.

The episode also previews the upcoming Path to Homeownership Workshop on Saturday, March 7, 2026 from 8:30 AM to 3:00 PM, a free full-day homebuyer education class in Las Vegas offered in partnership with CPLC, covering credit, budgeting, homeowners insurance, real estate representation, new home sales, and down payment assistance programs.

The episode closes with a reminder about the Silver State Fair Housing Council's housing tester program and how to get involved in the fight against housing discrimination in Nevada.

📅 Path to Homeownership Workshop: Saturday, March 7, 2026 | 8:30 AM – 3:00 PM 📞 Register or ask questions: 702-210-2057 

Roland Daniels NMLS #355859 | Heidi Griffith NMLS #2247754 | Geneva Financial NMLS #42056

]]> Sun, 01 Mar 2026 08:00:00 -0800 Mortgage Matters Mortgage Matters 1732 Roland Daniels and Heidi Griffith teach homebuyer education classes across Nevada every month. This episode of Mortgage Matters covers what they're hearing and seeing right now.

They spend real time on the Worker Advantage Program, Nevada Housing Division's $20,000 down payment assistance for essential workers in healthcare, education, construction, and public safety. With roughly 600 loans remaining statewide, they walk through how the funds work, how to use them to buy down your interest rate, and why the current rate environment makes the buy-down option worth a serious look.

They also cover Rural Rocks 20K, Nevada Rural Housing Authority's $20,000 program with buy-down options, and explain which parts of the Las Vegas Valley (Whitney, Winchester, Summerlin South) actually qualify as rural, which catches most people off guard.

They talk through the WISH Fund, a 4-to-1 match program through CPLC (Chicanos Por La Causa) returning in April, and how it can be layered with Nevada Housing Division and Nevada Rural Housing down payment programs for maximum assistance.

The episode also previews the upcoming Path to Homeownership Workshop on Saturday, March 7, 2026 from 8:30 AM to 3:00 PM, a free full-day homebuyer education class in Las Vegas offered in partnership with CPLC, covering credit, budgeting, homeowners insurance, real estate representation, new home sales, and down payment assistance programs.

The episode closes with a reminder about the Silver State Fair Housing Council's housing tester program and how to get involved in the fight against housing discrimination in Nevada.

📅 Path to Homeownership Workshop: Saturday, March 7, 2026 | 8:30 AM – 3:00 PM 📞 Register or ask questions: 702-210-2057 

Roland Daniels NMLS #355859 | Heidi Griffith NMLS #2247754 | Geneva Financial NMLS #42056

]]> Las Vegas mortgage, Nevada mortgage, Las Vegas down payment assistance, Nevada down payment assistance, first-time homebuyer Las Vegas, homebuyer class Las Vegas, VA loan Nevada, mortgage help Las Vegas, buying a home in Nevada No Supporting Homeless Students in Southern Nevada - Inside the Title I HOPE Program at Clark County School District 72 72 Supporting Homeless Students in Southern Nevada - Inside the Title I HOPE Program at Clark County School District full ce703b55-0695-4f94-bcc4-7dfe7eedf6b9 https://share.transistor.fm/s/8fc6d9ba Roland and Heidi sit down with Meg Pike, Coordinator of Title I HOPE (Homeless Outreach Program for Education) at Clark County School District.

Meg explains how the Title I HOPE Program supports students experiencing homelessness in Southern Nevada, including the federal protections that allow for immediate school enrollment, transportation assistance, and access to essential resources such as school supplies and academic support. The conversation highlights the real challenges housing instability creates for families and how schools play a critical role in maintaining consistency and opportunity for children.

Roland and Heidi also talk about their upcoming online Home Is Possible Down Payment Assistance class with the State of Nevada Housing Division and highlight the new $20,000 Worker Advantage Program. 

Because stable housing impacts every part of a family’s life, including education, the episode connects student support with long-term housing opportunities. 

]]> Roland and Heidi sit down with Meg Pike, Coordinator of Title I HOPE (Homeless Outreach Program for Education) at Clark County School District.

Meg explains how the Title I HOPE Program supports students experiencing homelessness in Southern Nevada, including the federal protections that allow for immediate school enrollment, transportation assistance, and access to essential resources such as school supplies and academic support. The conversation highlights the real challenges housing instability creates for families and how schools play a critical role in maintaining consistency and opportunity for children.

Roland and Heidi also talk about their upcoming online Home Is Possible Down Payment Assistance class with the State of Nevada Housing Division and highlight the new $20,000 Worker Advantage Program. 

Because stable housing impacts every part of a family’s life, including education, the episode connects student support with long-term housing opportunities. 

]]> Sun, 15 Feb 2026 08:00:00 -0800 Mortgage Matters Mortgage Matters 1745 Roland and Heidi sit down with Meg Pike, Coordinator of Title I HOPE (Homeless Outreach Program for Education) at Clark County School District.

Meg explains how the Title I HOPE Program supports students experiencing homelessness in Southern Nevada, including the federal protections that allow for immediate school enrollment, transportation assistance, and access to essential resources such as school supplies and academic support. The conversation highlights the real challenges housing instability creates for families and how schools play a critical role in maintaining consistency and opportunity for children.

Roland and Heidi also talk about their upcoming online Home Is Possible Down Payment Assistance class with the State of Nevada Housing Division and highlight the new $20,000 Worker Advantage Program. 

Because stable housing impacts every part of a family’s life, including education, the episode connects student support with long-term housing opportunities. 

]]> Las Vegas mortgage, Nevada mortgage, Las Vegas down payment assistance, Nevada down payment assistance, first-time homebuyer Las Vegas, homebuyer class Las Vegas, VA loan Nevada, mortgage help Las Vegas, buying a home in Nevada No Mortgage Matters Explores Marble Manor Redevelopment, $50M Grant Drives Affordable Housing Expansion, Community-Centered Revitalization, and Fair Housing Compliance Efforts 71 71 Mortgage Matters Explores Marble Manor Redevelopment, $50M Grant Drives Affordable Housing Expansion, Community-Centered Revitalization, and Fair Housing Compliance Efforts full a735077d-3171-4262-804a-f2c92d629288 https://share.transistor.fm/s/309c3c2f Roland and Heidi are joined by Kathi Thomas, Chief Housing Officer at Southern Nevada Regional Housing Authority, and Kate Zook, Executive Director at Silver State Fair Housing Council. They discuss the redevelopment of Marble Manor, a historic public housing site in Las Vegas, which received a $50 million Choice Neighborhood Initiative Grant. The project will transform the 235 cinder block units into 625, with 235 households returning. The redevelopment includes green space, childcare, and resident-run retail. Kathi Thomas and Kate Zook emphasize the importance of community involvement and accessibility, noting the project's alignment with the city's 100 Plan. They also highlight the need for housing discrimination testers to ensure compliance with the Fair Housing Act.

]]> Roland and Heidi are joined by Kathi Thomas, Chief Housing Officer at Southern Nevada Regional Housing Authority, and Kate Zook, Executive Director at Silver State Fair Housing Council. They discuss the redevelopment of Marble Manor, a historic public housing site in Las Vegas, which received a $50 million Choice Neighborhood Initiative Grant. The project will transform the 235 cinder block units into 625, with 235 households returning. The redevelopment includes green space, childcare, and resident-run retail. Kathi Thomas and Kate Zook emphasize the importance of community involvement and accessibility, noting the project's alignment with the city's 100 Plan. They also highlight the need for housing discrimination testers to ensure compliance with the Fair Housing Act.

]]> Sun, 08 Feb 2026 08:00:00 -0800 Mortgage Matters Mortgage Matters 1783 Roland and Heidi are joined by Kathi Thomas, Chief Housing Officer at Southern Nevada Regional Housing Authority, and Kate Zook, Executive Director at Silver State Fair Housing Council. They discuss the redevelopment of Marble Manor, a historic public housing site in Las Vegas, which received a $50 million Choice Neighborhood Initiative Grant. The project will transform the 235 cinder block units into 625, with 235 households returning. The redevelopment includes green space, childcare, and resident-run retail. Kathi Thomas and Kate Zook emphasize the importance of community involvement and accessibility, noting the project's alignment with the city's 100 Plan. They also highlight the need for housing discrimination testers to ensure compliance with the Fair Housing Act.

]]> Las Vegas mortgage, Nevada mortgage, Las Vegas down payment assistance, Nevada down payment assistance, first-time homebuyer Las Vegas, homebuyer class Las Vegas, VA loan Nevada, mortgage help Las Vegas, buying a home in Nevada No Affordable Housing, Vouchers, Fair Housing Protections, and the Path to Homeownership in Southern Nevada 70 70 Affordable Housing, Vouchers, Fair Housing Protections, and the Path to Homeownership in Southern Nevada full 4a547d07-6733-4d46-8779-ada3c4170d13 https://share.transistor.fm/s/87f02305 Roland and Heidi were joined by Kathi Thomas from the Southern Nevada Regional Housing Authority and Kate Zook from the Silver State Fair Housing Council. Kathi oversees public housing and the Housing Choice Voucher program, which has 13,000 vouchers in Southern Nevada. Kate focuses on fair housing laws and discrimination. They highlight the need for 80,000 affordable housing units in Nevada and the importance of training for landlords and housing providers. Upcoming events include a Path to Homeownership workshop on February 7.

]]> Roland and Heidi were joined by Kathi Thomas from the Southern Nevada Regional Housing Authority and Kate Zook from the Silver State Fair Housing Council. Kathi oversees public housing and the Housing Choice Voucher program, which has 13,000 vouchers in Southern Nevada. Kate focuses on fair housing laws and discrimination. They highlight the need for 80,000 affordable housing units in Nevada and the importance of training for landlords and housing providers. Upcoming events include a Path to Homeownership workshop on February 7.

]]> Sun, 01 Feb 2026 08:00:00 -0800 Mortgage Matters Mortgage Matters 1736 Roland and Heidi were joined by Kathi Thomas from the Southern Nevada Regional Housing Authority and Kate Zook from the Silver State Fair Housing Council. Kathi oversees public housing and the Housing Choice Voucher program, which has 13,000 vouchers in Southern Nevada. Kate focuses on fair housing laws and discrimination. They highlight the need for 80,000 affordable housing units in Nevada and the importance of training for landlords and housing providers. Upcoming events include a Path to Homeownership workshop on February 7.

]]> Las Vegas mortgage, Nevada mortgage, Las Vegas down payment assistance, Nevada down payment assistance, first-time homebuyer Las Vegas, homebuyer class Las Vegas, VA loan Nevada, mortgage help Las Vegas, buying a home in Nevada No Preparing for Homeownership: Building Financial Readiness, Credit Strength, and Fair Housing Awareness 69 69 Preparing for Homeownership: Building Financial Readiness, Credit Strength, and Fair Housing Awareness full 4f534147-de22-4116-8214-3a6c11a09400 https://share.transistor.fm/s/3ed4abde Roland and Heidi discuss the importance of homeownership readiness and the emotional aspects of buying a home. They emphasize the need to prepare financially by saving for future mortgage payments and building reserves for home improvements and emergencies. They highlight the significance of credit checks, noting common errors like name spellings and duplicate student loans. They explain the concept of debt-to-income ratio (DTI) and its impact on mortgage approval. Additionally, they stress the importance of understanding lender overlays, such as minimum credit scores, and the benefits of working with HUD-certified credit counselors. The program also touches on fair housing laws and the role of the Silver State Fair Housing Council.

]]> Roland and Heidi discuss the importance of homeownership readiness and the emotional aspects of buying a home. They emphasize the need to prepare financially by saving for future mortgage payments and building reserves for home improvements and emergencies. They highlight the significance of credit checks, noting common errors like name spellings and duplicate student loans. They explain the concept of debt-to-income ratio (DTI) and its impact on mortgage approval. Additionally, they stress the importance of understanding lender overlays, such as minimum credit scores, and the benefits of working with HUD-certified credit counselors. The program also touches on fair housing laws and the role of the Silver State Fair Housing Council.

]]> Sun, 25 Jan 2026 08:00:00 -0800 Mortgage Matters Mortgage Matters 1790 Roland and Heidi discuss the importance of homeownership readiness and the emotional aspects of buying a home. They emphasize the need to prepare financially by saving for future mortgage payments and building reserves for home improvements and emergencies. They highlight the significance of credit checks, noting common errors like name spellings and duplicate student loans. They explain the concept of debt-to-income ratio (DTI) and its impact on mortgage approval. Additionally, they stress the importance of understanding lender overlays, such as minimum credit scores, and the benefits of working with HUD-certified credit counselors. The program also touches on fair housing laws and the role of the Silver State Fair Housing Council.

]]> Las Vegas mortgage, Nevada mortgage, Las Vegas down payment assistance, Nevada down payment assistance, first-time homebuyer Las Vegas, homebuyer class Las Vegas, VA loan Nevada, mortgage help Las Vegas, buying a home in Nevada No Fair Housing Advocacy, MLK Legacy, and Practical Paths to Homeownership 68 68 Fair Housing Advocacy, MLK Legacy, and Practical Paths to Homeownership full 71c60c22-b7a0-4819-a064-36b64da5f13b https://share.transistor.fm/s/841fd3f5 Roland and Heidi discuss housing options and the importance of fair housing. They highlight the upcoming 44th annual Dr. Martin Luther King Jr. birthday parade and the role of the National Association of Real Estate Brokers (NAREB) in promoting fair housing. They emphasize the importance of budgeting, including saving for a mortgage, and checking credit reports for errors. They explain VA loans, FHA loans, and conventional loans, noting VA loans offer no down payment and no mortgage insurance for veterans, while FHA loans require a minimum credit score of 500 with a 10% down payment or 580 for 3.5%. Conventional loans have varying credit score requirements and loan level price adjustments.

]]> Roland and Heidi discuss housing options and the importance of fair housing. They highlight the upcoming 44th annual Dr. Martin Luther King Jr. birthday parade and the role of the National Association of Real Estate Brokers (NAREB) in promoting fair housing. They emphasize the importance of budgeting, including saving for a mortgage, and checking credit reports for errors. They explain VA loans, FHA loans, and conventional loans, noting VA loans offer no down payment and no mortgage insurance for veterans, while FHA loans require a minimum credit score of 500 with a 10% down payment or 580 for 3.5%. Conventional loans have varying credit score requirements and loan level price adjustments.

]]> Sun, 18 Jan 2026 08:00:00 -0800 Mortgage Matters Mortgage Matters 1753 Roland and Heidi discuss housing options and the importance of fair housing. They highlight the upcoming 44th annual Dr. Martin Luther King Jr. birthday parade and the role of the National Association of Real Estate Brokers (NAREB) in promoting fair housing. They emphasize the importance of budgeting, including saving for a mortgage, and checking credit reports for errors. They explain VA loans, FHA loans, and conventional loans, noting VA loans offer no down payment and no mortgage insurance for veterans, while FHA loans require a minimum credit score of 500 with a 10% down payment or 580 for 3.5%. Conventional loans have varying credit score requirements and loan level price adjustments.

]]> Las Vegas mortgage, Nevada mortgage, Las Vegas down payment assistance, Nevada down payment assistance, first-time homebuyer Las Vegas, homebuyer class Las Vegas, VA loan Nevada, mortgage help Las Vegas, buying a home in Nevada No Making Homeownership More Accessible: Budgeting, Improving Credit and Working on Mortgage Readiness 67 67 Making Homeownership More Accessible: Budgeting, Improving Credit and Working on Mortgage Readiness full 5af817e7-52e0-409c-ac5d-236d6302f125 https://share.transistor.fm/s/f84e1ce6 Roland and Heidi discuss housing options and the challenges of homeownership. They emphasize how down payment assistance programs can help make homeownership more accessible,  talk about budgeting strategies, including mortgage readiness savings plans, and stress the importance of checking and correcting credit reports. They also promote the Silver State Fair Housing Council's housing tester program to combat discrimination. 

]]> Roland and Heidi discuss housing options and the challenges of homeownership. They emphasize how down payment assistance programs can help make homeownership more accessible,  talk about budgeting strategies, including mortgage readiness savings plans, and stress the importance of checking and correcting credit reports. They also promote the Silver State Fair Housing Council's housing tester program to combat discrimination. 

]]> Sun, 11 Jan 2026 08:00:00 -0800 Mortgage Matters Mortgage Matters 1792 Roland and Heidi discuss housing options and the challenges of homeownership. They emphasize how down payment assistance programs can help make homeownership more accessible,  talk about budgeting strategies, including mortgage readiness savings plans, and stress the importance of checking and correcting credit reports. They also promote the Silver State Fair Housing Council's housing tester program to combat discrimination. 

]]> Las Vegas mortgage, Nevada mortgage, Las Vegas down payment assistance, Nevada down payment assistance, first-time homebuyer Las Vegas, homebuyer class Las Vegas, VA loan Nevada, mortgage help Las Vegas, buying a home in Nevada No Nevada’s $20K Worker Advantage Program, First-Time Buyer Support, and Smart Refinancing Strategies 66 66 Nevada’s $20K Worker Advantage Program, First-Time Buyer Support, and Smart Refinancing Strategies full 2ff9174e-ddd2-49d6-b6d1-e15e0f3f6a48 https://share.transistor.fm/s/ee9f6352 Roland and Heidi discuss homeownership opportunities and resources for 2026. They highlight the Nevada Housing Division's $20,000 Worker Advantage program, available to healthcare, construction, education, and public safety workers, offering down payment assistance and interest rate reduction options. They also mention the First Time Home Buyer program and the HIP DPA, which can provide up to 5% down payment assistance. Additionally, they discuss refinancing options, including HELOCs and cash-out refinancing, emphasizing the importance of understanding one's financial goals and long-term implications.

]]> Roland and Heidi discuss homeownership opportunities and resources for 2026. They highlight the Nevada Housing Division's $20,000 Worker Advantage program, available to healthcare, construction, education, and public safety workers, offering down payment assistance and interest rate reduction options. They also mention the First Time Home Buyer program and the HIP DPA, which can provide up to 5% down payment assistance. Additionally, they discuss refinancing options, including HELOCs and cash-out refinancing, emphasizing the importance of understanding one's financial goals and long-term implications.

]]> Sun, 04 Jan 2026 08:00:00 -0800 Mortgage Matters Mortgage Matters 1730 Roland and Heidi discuss homeownership opportunities and resources for 2026. They highlight the Nevada Housing Division's $20,000 Worker Advantage program, available to healthcare, construction, education, and public safety workers, offering down payment assistance and interest rate reduction options. They also mention the First Time Home Buyer program and the HIP DPA, which can provide up to 5% down payment assistance. Additionally, they discuss refinancing options, including HELOCs and cash-out refinancing, emphasizing the importance of understanding one's financial goals and long-term implications.

]]> Las Vegas mortgage, Nevada mortgage, Las Vegas down payment assistance, Nevada down payment assistance, first-time homebuyer Las Vegas, homebuyer class Las Vegas, VA loan Nevada, mortgage help Las Vegas, buying a home in Nevada No Nevada Housing DivisionWorker Advantage Program, Expanding Down Payment Access, and Fair Housing 65 65 Nevada Housing DivisionWorker Advantage Program, Expanding Down Payment Access, and Fair Housing full 54058bc3-fdfa-416c-b33e-d34c4c8d2905 https://share.transistor.fm/s/7ebbe426 Roland and Heidi discuss the Worker Advantage Program in Nevada, which offers $20,000 down payment assistance to essential workers in healthcare, education, public safety, and construction. The program has already reserved 50 of the 900 available loans. They highlight the importance of credit and financial preparation for homeownership, noting that 68% of people cite a lack of down payment as the primary barrier. They also emphasize the role of fair housing and the Silver State Fair Housing Council's housing tester program in promoting equal opportunities. Upcoming Home is Possible home buyer education class with the Nevada Housing Division is scheduled for January 7.

]]> Roland and Heidi discuss the Worker Advantage Program in Nevada, which offers $20,000 down payment assistance to essential workers in healthcare, education, public safety, and construction. The program has already reserved 50 of the 900 available loans. They highlight the importance of credit and financial preparation for homeownership, noting that 68% of people cite a lack of down payment as the primary barrier. They also emphasize the role of fair housing and the Silver State Fair Housing Council's housing tester program in promoting equal opportunities. Upcoming Home is Possible home buyer education class with the Nevada Housing Division is scheduled for January 7.

]]> Sun, 28 Dec 2025 08:00:00 -0800 Mortgage Matters Mortgage Matters 1684 Roland and Heidi discuss the Worker Advantage Program in Nevada, which offers $20,000 down payment assistance to essential workers in healthcare, education, public safety, and construction. The program has already reserved 50 of the 900 available loans. They highlight the importance of credit and financial preparation for homeownership, noting that 68% of people cite a lack of down payment as the primary barrier. They also emphasize the role of fair housing and the Silver State Fair Housing Council's housing tester program in promoting equal opportunities. Upcoming Home is Possible home buyer education class with the Nevada Housing Division is scheduled for January 7.

]]> Las Vegas mortgage, Nevada mortgage, Las Vegas down payment assistance, Nevada down payment assistance, first-time homebuyer Las Vegas, homebuyer class Las Vegas, VA loan Nevada, mortgage help Las Vegas, buying a home in Nevada No Spotlight on the Nevada Housing Division Worker Advantage Program | Expanding Down Payment Assistance for Essential Workers 64 64 Spotlight on the Nevada Housing Division Worker Advantage Program | Expanding Down Payment Assistance for Essential Workers full 954c30f9-2ff0-42d8-a8d1-3e015021805d https://share.transistor.fm/s/7834e4dc Heidi discusses the challenges of home ownership, particularly the down payment, which takes an average of six years to save. She and her guest, Josie Hatem, Homebuyer Programs Specialist with Nevada Housing Division, highlight the new Worker Advantage Program. The program offers $20,000 in down payment assistance with the potential to buy down the interest rate. This program is available to essential workers in healthcare, education, public safety, and construction. The Nevada Housing Division programs have helped over 31,000 families since 2014. They also talk about other programs like the HIP DPA and the Teachers Program, which offer varying levels of assistance.

]]> Heidi discusses the challenges of home ownership, particularly the down payment, which takes an average of six years to save. She and her guest, Josie Hatem, Homebuyer Programs Specialist with Nevada Housing Division, highlight the new Worker Advantage Program. The program offers $20,000 in down payment assistance with the potential to buy down the interest rate. This program is available to essential workers in healthcare, education, public safety, and construction. The Nevada Housing Division programs have helped over 31,000 families since 2014. They also talk about other programs like the HIP DPA and the Teachers Program, which offer varying levels of assistance.

]]> Sun, 21 Dec 2025 08:00:00 -0800 Mortgage Matters Mortgage Matters 1792 Heidi discusses the challenges of home ownership, particularly the down payment, which takes an average of six years to save. She and her guest, Josie Hatem, Homebuyer Programs Specialist with Nevada Housing Division, highlight the new Worker Advantage Program. The program offers $20,000 in down payment assistance with the potential to buy down the interest rate. This program is available to essential workers in healthcare, education, public safety, and construction. The Nevada Housing Division programs have helped over 31,000 families since 2014. They also talk about other programs like the HIP DPA and the Teachers Program, which offer varying levels of assistance.

]]> Las Vegas mortgage, Nevada mortgage, Las Vegas down payment assistance, Nevada down payment assistance, first-time homebuyer Las Vegas, homebuyer class Las Vegas, VA loan Nevada, mortgage help Las Vegas, buying a home in Nevada No Community Advocates Drive the Ruby Thomas Toy Giveaway and Advance Fair Housing, Education, and Homeownership Support Across Nevada 63 63 Community Advocates Drive the Ruby Thomas Toy Giveaway and Advance Fair Housing, Education, and Homeownership Support Across Nevada full feb8ecdf-d157-4637-85ed-c34906c51457 https://share.transistor.fm/s/a1d44a86 Roland Daniels and Heidi Griffith discuss the Ruby Thomas toy drive, which has collected over 700 gifts for children at Ruby Thomas, a school where all students receive free meals and many are unhoused. They also highlight the Silver State Fair Housing Council, which ensures equal housing opportunities. Kate Zook, the council's executive director, explains the Fair Housing Act, which prohibits discrimination based on race, color, national origin, religion, sex, familial status, and disability. The council offers training and testing to identify housing discrimination and provides resources and support for those affected. They also mention the Workers Advantage Program, offering up to $20,000 in down payment assistance for eligible Nevada residents.

]]> Roland Daniels and Heidi Griffith discuss the Ruby Thomas toy drive, which has collected over 700 gifts for children at Ruby Thomas, a school where all students receive free meals and many are unhoused. They also highlight the Silver State Fair Housing Council, which ensures equal housing opportunities. Kate Zook, the council's executive director, explains the Fair Housing Act, which prohibits discrimination based on race, color, national origin, religion, sex, familial status, and disability. The council offers training and testing to identify housing discrimination and provides resources and support for those affected. They also mention the Workers Advantage Program, offering up to $20,000 in down payment assistance for eligible Nevada residents.

]]> Sun, 14 Dec 2025 08:00:00 -0800 Mortgage Matters Mortgage Matters 1704 Roland Daniels and Heidi Griffith discuss the Ruby Thomas toy drive, which has collected over 700 gifts for children at Ruby Thomas, a school where all students receive free meals and many are unhoused. They also highlight the Silver State Fair Housing Council, which ensures equal housing opportunities. Kate Zook, the council's executive director, explains the Fair Housing Act, which prohibits discrimination based on race, color, national origin, religion, sex, familial status, and disability. The council offers training and testing to identify housing discrimination and provides resources and support for those affected. They also mention the Workers Advantage Program, offering up to $20,000 in down payment assistance for eligible Nevada residents.

]]> Las Vegas mortgage, Nevada mortgage, Las Vegas down payment assistance, Nevada down payment assistance, first-time homebuyer Las Vegas, homebuyer class Las Vegas, VA loan Nevada, mortgage help Las Vegas, buying a home in Nevada No Driving Community Support and Expanding Homeownership: Roland and Heidi Champion Toy Giving, Buyer Education, and New Assistance Programs 62 62 Driving Community Support and Expanding Homeownership: Roland and Heidi Champion Toy Giving, Buyer Education, and New Assistance Programs full 38cbb7eb-8429-4454-bfe1-d09ea92402d4 https://share.transistor.fm/s/b59ab01a Rolandand Heidi discussed the Ruby Thomas Holiday Toy Drive, aiming to provide toys for all 683 students at Ruby Thomas Elementary, a school with many unhoused students. They highlighted the upcoming final Path to Home Ownership workshop on December 6, which covers comprehensive home-buying topics and offers a homebuyer certificate. They also addressed the 50-year mortgage concept, noting it doesn't exist yet and may not be beneficial due to extended interest payments. New programs from Nevada Housing and Nevada Rural Housing offer $20,000 in down payment assistance, with options to buy down interest rates, benefiting healthcare workers, educators, public safety, and construction industry workers.

]]> Rolandand Heidi discussed the Ruby Thomas Holiday Toy Drive, aiming to provide toys for all 683 students at Ruby Thomas Elementary, a school with many unhoused students. They highlighted the upcoming final Path to Home Ownership workshop on December 6, which covers comprehensive home-buying topics and offers a homebuyer certificate. They also addressed the 50-year mortgage concept, noting it doesn't exist yet and may not be beneficial due to extended interest payments. New programs from Nevada Housing and Nevada Rural Housing offer $20,000 in down payment assistance, with options to buy down interest rates, benefiting healthcare workers, educators, public safety, and construction industry workers.

]]> Sun, 30 Nov 2025 08:00:00 -0800 Mortgage Matters Mortgage Matters 1800 Rolandand Heidi discussed the Ruby Thomas Holiday Toy Drive, aiming to provide toys for all 683 students at Ruby Thomas Elementary, a school with many unhoused students. They highlighted the upcoming final Path to Home Ownership workshop on December 6, which covers comprehensive home-buying topics and offers a homebuyer certificate. They also addressed the 50-year mortgage concept, noting it doesn't exist yet and may not be beneficial due to extended interest payments. New programs from Nevada Housing and Nevada Rural Housing offer $20,000 in down payment assistance, with options to buy down interest rates, benefiting healthcare workers, educators, public safety, and construction industry workers.

]]> Las Vegas mortgage, Nevada mortgage, Las Vegas down payment assistance, Nevada down payment assistance, first-time homebuyer Las Vegas, homebuyer class Las Vegas, VA loan Nevada, mortgage help Las Vegas, buying a home in Nevada No Empowering Nevada Home Buyers: Spotlight on The Nevada Housing Division Worker Advantage Program, Financial Readiness, and Community Giving 61 61 Empowering Nevada Home Buyers: Spotlight on The Nevada Housing Division Worker Advantage Program, Financial Readiness, and Community Giving full 3f0164bf-6844-414e-8461-d19703d679aa https://share.transistor.fm/s/4d1b78d5 Roland and Heidi discuss upcoming events and opportunities for Nevada home buyers. They highlight the Path to Home Ownership workshop on December 6, which covers budgeting, credit maintenance, and various down payment assistance programs. This workshops provides attendees with their Homebuyer Certificate, making them eligible for the down payment programs offered. The Nevada Housing Division's new Worker Advantage Program, opening for reservations on December 1, 2025, provides $20,000 per family, benefiting 900 families with $18 million. Nevada Rural Housing will also be offering a similar program, Rural Rocks $20,000. Both programs offer the ability to permanently buy down the interest rate. 

]]> Roland and Heidi discuss upcoming events and opportunities for Nevada home buyers. They highlight the Path to Home Ownership workshop on December 6, which covers budgeting, credit maintenance, and various down payment assistance programs. This workshops provides attendees with their Homebuyer Certificate, making them eligible for the down payment programs offered. The Nevada Housing Division's new Worker Advantage Program, opening for reservations on December 1, 2025, provides $20,000 per family, benefiting 900 families with $18 million. Nevada Rural Housing will also be offering a similar program, Rural Rocks $20,000. Both programs offer the ability to permanently buy down the interest rate. 

]]> Sun, 23 Nov 2025 08:00:00 -0800 Mortgage Matters Mortgage Matters 1642 Roland and Heidi discuss upcoming events and opportunities for Nevada home buyers. They highlight the Path to Home Ownership workshop on December 6, which covers budgeting, credit maintenance, and various down payment assistance programs. This workshops provides attendees with their Homebuyer Certificate, making them eligible for the down payment programs offered. The Nevada Housing Division's new Worker Advantage Program, opening for reservations on December 1, 2025, provides $20,000 per family, benefiting 900 families with $18 million. Nevada Rural Housing will also be offering a similar program, Rural Rocks $20,000. Both programs offer the ability to permanently buy down the interest rate. 

]]> Las Vegas mortgage, Nevada mortgage, Las Vegas down payment assistance, Nevada down payment assistance, first-time homebuyer Las Vegas, homebuyer class Las Vegas, VA loan Nevada, mortgage help Las Vegas, buying a home in Nevada No Nevada Housing Division Worker Advantage Down Payment Assistance Program, and Strategic Homebuying Wins 60 60 Nevada Housing Division Worker Advantage Down Payment Assistance Program, and Strategic Homebuying Wins full 0b5b4e7d-62bb-451c-9cdd-98050e75738e https://share.transistor.fm/s/c173e585 Heidi sat down with Starla Jordan, a realtor with Coldwell Banker Premier Realty, to discuss the upcoming Nevada Housing Division Home is Possible class on Monday, November 17, which will cover all the Nevada Housing Division down payment assistance programs. They highlighted the brand new Worker Advantage Program, starting December 1, offering up to $20,000 in assistance for down payments or interest rate buy-downs. Heidi emphasized the importance of the Ruby Thomas Elementary School Toy Drive, aiming to provide gifts for almost 700 underprivileged students. They also shared a success story of a recent buyer's home purchase for under $1,000 out-of-pocket, emphasizing the value of seller credits and negotiation skills. The Silver State Fair Housing Council's tester program was also mentioned, with upcoming online training on November 25.

]]> Heidi sat down with Starla Jordan, a realtor with Coldwell Banker Premier Realty, to discuss the upcoming Nevada Housing Division Home is Possible class on Monday, November 17, which will cover all the Nevada Housing Division down payment assistance programs. They highlighted the brand new Worker Advantage Program, starting December 1, offering up to $20,000 in assistance for down payments or interest rate buy-downs. Heidi emphasized the importance of the Ruby Thomas Elementary School Toy Drive, aiming to provide gifts for almost 700 underprivileged students. They also shared a success story of a recent buyer's home purchase for under $1,000 out-of-pocket, emphasizing the value of seller credits and negotiation skills. The Silver State Fair Housing Council's tester program was also mentioned, with upcoming online training on November 25.

]]> Sun, 16 Nov 2025 08:00:00 -0800 Mortgage Matters Mortgage Matters 1569 Heidi sat down with Starla Jordan, a realtor with Coldwell Banker Premier Realty, to discuss the upcoming Nevada Housing Division Home is Possible class on Monday, November 17, which will cover all the Nevada Housing Division down payment assistance programs. They highlighted the brand new Worker Advantage Program, starting December 1, offering up to $20,000 in assistance for down payments or interest rate buy-downs. Heidi emphasized the importance of the Ruby Thomas Elementary School Toy Drive, aiming to provide gifts for almost 700 underprivileged students. They also shared a success story of a recent buyer's home purchase for under $1,000 out-of-pocket, emphasizing the value of seller credits and negotiation skills. The Silver State Fair Housing Council's tester program was also mentioned, with upcoming online training on November 25.

]]> Las Vegas mortgage, Nevada mortgage, Las Vegas down payment assistance, Nevada down payment assistance, first-time homebuyer Las Vegas, homebuyer class Las Vegas, VA loan Nevada, mortgage help Las Vegas, buying a home in Nevada No Nevada Down Payment Assistance, Fair Housing, and the Power of Community Giving 59 59 Nevada Down Payment Assistance, Fair Housing, and the Power of Community Giving full 9469ff48-b7a9-4d72-aa09-f521d165a12f https://share.transistor.fm/s/89616c4b Roland and Heidi talk about how the Home Is Possible down payment assistance programs and other homebuyer programs are helping families achieve affordable homeownership. They share how two recent buyers used these programs to purchase their homes with seller credits and minimal out-of-pocket costs, one spending less than $1,000 and another under $3,000.

They highlight their upcoming online homebuyer class on Monday, November 17, 2025, from 3:30 to 5 p.m., hosted with the Nevada Housing Division, where participants can learn more about first-time buyer assistance and ask questions during a live Q&A.

In the spirit of giving back, they share details about the Ruby Thomas Holiday Toy Drive, a community effort to bring joy to local students, and talk about the importance of fair housing rights and housing equality through the work of the Silver State Fair Housing Council and its tester program, a vital resource for ensuring fair housing in Nevada.

It’s an episode about homeownership, community, and creating lasting opportunities.

]]> Roland and Heidi talk about how the Home Is Possible down payment assistance programs and other homebuyer programs are helping families achieve affordable homeownership. They share how two recent buyers used these programs to purchase their homes with seller credits and minimal out-of-pocket costs, one spending less than $1,000 and another under $3,000.

They highlight their upcoming online homebuyer class on Monday, November 17, 2025, from 3:30 to 5 p.m., hosted with the Nevada Housing Division, where participants can learn more about first-time buyer assistance and ask questions during a live Q&A.

In the spirit of giving back, they share details about the Ruby Thomas Holiday Toy Drive, a community effort to bring joy to local students, and talk about the importance of fair housing rights and housing equality through the work of the Silver State Fair Housing Council and its tester program, a vital resource for ensuring fair housing in Nevada.

It’s an episode about homeownership, community, and creating lasting opportunities.

]]> Sun, 09 Nov 2025 08:00:00 -0800 Mortgage Matters Mortgage Matters 1775 Roland and Heidi talk about how the Home Is Possible down payment assistance programs and other homebuyer programs are helping families achieve affordable homeownership. They share how two recent buyers used these programs to purchase their homes with seller credits and minimal out-of-pocket costs, one spending less than $1,000 and another under $3,000.

They highlight their upcoming online homebuyer class on Monday, November 17, 2025, from 3:30 to 5 p.m., hosted with the Nevada Housing Division, where participants can learn more about first-time buyer assistance and ask questions during a live Q&A.

In the spirit of giving back, they share details about the Ruby Thomas Holiday Toy Drive, a community effort to bring joy to local students, and talk about the importance of fair housing rights and housing equality through the work of the Silver State Fair Housing Council and its tester program, a vital resource for ensuring fair housing in Nevada.

It’s an episode about homeownership, community, and creating lasting opportunities.

]]> Las Vegas mortgage, Nevada mortgage, Las Vegas down payment assistance, Nevada down payment assistance, first-time homebuyer Las Vegas, homebuyer class Las Vegas, VA loan Nevada, mortgage help Las Vegas, buying a home in Nevada No Spreading Holiday Joy to Ruby Thomas Elementary: A Las Vegas Toy Drive for Students in Need 58 58 Spreading Holiday Joy to Ruby Thomas Elementary: A Las Vegas Toy Drive for Students in Need full 34ebf953-3135-4865-a73b-5ad75e4b7bba https://share.transistor.fm/s/c8afbdde Roland and Heidi launched a toy drive for Ruby Thomas Elementary, a school in Las Vegas serving nearly 700 students,  many of whom are experiencing homelessness or living in severe hardship, 100% of whom receive free breakfast and lunch. The school represents more than 20 languages and cultures, reflecting the true diversity of Clark County. Joining Roland and Heidi is Melissa Marzan, Student Success Facilitator at Ruby Thomas Elementary, who shares what these children face every day and how even the smallest act of giving can make a lasting difference.


Together, they discuss the new $30 million campus, which has brought hope to the community, and how this toy drive aims to bring joy, comfort, and dignity to every student this holiday season.


Learn how you can help make a difference by donating toys, volunteering, or spreading the word, because every child deserves to feel seen, supported, and celebrated.

.

]]> Roland and Heidi launched a toy drive for Ruby Thomas Elementary, a school in Las Vegas serving nearly 700 students,  many of whom are experiencing homelessness or living in severe hardship, 100% of whom receive free breakfast and lunch. The school represents more than 20 languages and cultures, reflecting the true diversity of Clark County. Joining Roland and Heidi is Melissa Marzan, Student Success Facilitator at Ruby Thomas Elementary, who shares what these children face every day and how even the smallest act of giving can make a lasting difference.


Together, they discuss the new $30 million campus, which has brought hope to the community, and how this toy drive aims to bring joy, comfort, and dignity to every student this holiday season.


Learn how you can help make a difference by donating toys, volunteering, or spreading the word, because every child deserves to feel seen, supported, and celebrated.

.

]]> Sun, 02 Nov 2025 08:00:00 -0800 Mortgage Matters Mortgage Matters 1698 Roland and Heidi launched a toy drive for Ruby Thomas Elementary, a school in Las Vegas serving nearly 700 students,  many of whom are experiencing homelessness or living in severe hardship, 100% of whom receive free breakfast and lunch. The school represents more than 20 languages and cultures, reflecting the true diversity of Clark County. Joining Roland and Heidi is Melissa Marzan, Student Success Facilitator at Ruby Thomas Elementary, who shares what these children face every day and how even the smallest act of giving can make a lasting difference.


Together, they discuss the new $30 million campus, which has brought hope to the community, and how this toy drive aims to bring joy, comfort, and dignity to every student this holiday season.


Learn how you can help make a difference by donating toys, volunteering, or spreading the word, because every child deserves to feel seen, supported, and celebrated.

.

]]> Las Vegas mortgage, Nevada mortgage, Las Vegas down payment assistance, Nevada down payment assistance, first-time homebuyer Las Vegas, homebuyer class Las Vegas, VA loan Nevada, mortgage help Las Vegas, buying a home in Nevada No Nevada’s Down Payment and Tax Credit Programs with Kevin Hickey of Nevada Rural Housing 57 57 Nevada’s Down Payment and Tax Credit Programs with Kevin Hickey of Nevada Rural Housing full b5ac34b6-8295-4e02-836f-e60f05132945 https://share.transistor.fm/s/79826344 Roland and Heidi speak with Kevin Hickey, Homeownership Program Manager at Nevada Rural Housing, about programs that help Nevadans buy homes. Kevin explains the Home At Last and Launch Pad programs, which provide down payment support and affordable interest rates, as well as the Mortgage Credit Certificate (MCC) that offers buyers a 20% annual tax credit on mortgage interest. He also shares details on an upcoming  $20,000 program funded by AB 540, expanding opportunities across Nevada. 

]]> Roland and Heidi speak with Kevin Hickey, Homeownership Program Manager at Nevada Rural Housing, about programs that help Nevadans buy homes. Kevin explains the Home At Last and Launch Pad programs, which provide down payment support and affordable interest rates, as well as the Mortgage Credit Certificate (MCC) that offers buyers a 20% annual tax credit on mortgage interest. He also shares details on an upcoming  $20,000 program funded by AB 540, expanding opportunities across Nevada. 

]]> Sun, 26 Oct 2025 08:00:00 -0700 Mortgage Matters Mortgage Matters 1759 Roland and Heidi speak with Kevin Hickey, Homeownership Program Manager at Nevada Rural Housing, about programs that help Nevadans buy homes. Kevin explains the Home At Last and Launch Pad programs, which provide down payment support and affordable interest rates, as well as the Mortgage Credit Certificate (MCC) that offers buyers a 20% annual tax credit on mortgage interest. He also shares details on an upcoming  $20,000 program funded by AB 540, expanding opportunities across Nevada. 

]]> Las Vegas mortgage, Nevada mortgage, Las Vegas down payment assistance, Nevada down payment assistance, first-time homebuyer Las Vegas, homebuyer class Las Vegas, VA loan Nevada, mortgage help Las Vegas, buying a home in Nevada No Mortgage Matters: How to Take Control of Your Credit and Buy a Home- with Eric Chavez, Chicanos Por La Causa 56 56 Mortgage Matters: How to Take Control of Your Credit and Buy a Home- with Eric Chavez, Chicanos Por La Causa full 6b464456-dbcf-4c9f-87b0-f07d30d77398 https://share.transistor.fm/s/c532075d Mortgage Matters airs every Sunday at 7:30 am on KUNV 91.5. We bring real conversations about housing, wealth, and legacy to Las Vegas and beyond.


]]> Mortgage Matters airs every Sunday at 7:30 am on KUNV 91.5. We bring real conversations about housing, wealth, and legacy to Las Vegas and beyond.


]]> Sun, 19 Oct 2025 08:00:00 -0700 Mortgage Matters Mortgage Matters 1799 Mortgage Matters airs every Sunday at 7:30 am on KUNV 91.5. We bring real conversations about housing, wealth, and legacy to Las Vegas and beyond.


]]> Las Vegas mortgage, Nevada mortgage, Las Vegas down payment assistance, Nevada down payment assistance, first-time homebuyer Las Vegas, homebuyer class Las Vegas, VA loan Nevada, mortgage help Las Vegas, buying a home in Nevada No Nevada Housing Division Programs Empower Homebuyers Through Education and Down Payment Assistance 55 55 Nevada Housing Division Programs Empower Homebuyers Through Education and Down Payment Assistance full db4f36ab-3490-4882-a192-4c27bfd4683f https://share.transistor.fm/s/3f76ad64 Roland and Heidi discuss the Nevada Housing Division's homebuyer programs with Josie Hatem. They highlight success stories, including a 79-year-old grandmother, a young teacher, and a ride-share driver who improved his credit score. The programs, like the Home Is Possible and Teacher Homeownership Assistance, offer down payment assistance and credit counseling. Upcoming online classes on October 13 from 3:30 to 5:00 PM will provide detailed information and certificates required for these programs. The hosts emphasize the importance of these resources in making homeownership accessible to various demographics.

]]> Roland and Heidi discuss the Nevada Housing Division's homebuyer programs with Josie Hatem. They highlight success stories, including a 79-year-old grandmother, a young teacher, and a ride-share driver who improved his credit score. The programs, like the Home Is Possible and Teacher Homeownership Assistance, offer down payment assistance and credit counseling. Upcoming online classes on October 13 from 3:30 to 5:00 PM will provide detailed information and certificates required for these programs. The hosts emphasize the importance of these resources in making homeownership accessible to various demographics.

]]> Sun, 12 Oct 2025 08:00:00 -0700 Mortgage Matters Mortgage Matters 1799 Roland and Heidi discuss the Nevada Housing Division's homebuyer programs with Josie Hatem. They highlight success stories, including a 79-year-old grandmother, a young teacher, and a ride-share driver who improved his credit score. The programs, like the Home Is Possible and Teacher Homeownership Assistance, offer down payment assistance and credit counseling. Upcoming online classes on October 13 from 3:30 to 5:00 PM will provide detailed information and certificates required for these programs. The hosts emphasize the importance of these resources in making homeownership accessible to various demographics.

]]> Las Vegas mortgage, Nevada mortgage, Las Vegas down payment assistance, Nevada down payment assistance, first-time homebuyer Las Vegas, homebuyer class Las Vegas, VA loan Nevada, mortgage help Las Vegas, buying a home in Nevada No Demystifying Mortgage Rates and Fair Housing Education 54 54 Demystifying Mortgage Rates and Fair Housing Education full 54e2ceaa-6f08-4472-87e5-7ee0118e54f6 https://share.transistor.fm/s/7159447b Roland Daniels and Heidi Griffith discussed upcoming education workshops, including a path to home ownership workshop on the first Saturday of each month and a Nevada Housing Division class on October 13. They highlighted the impact of the recent Fed rate cut on short-term rates, noting that mortgage rates actually increased post-announcement. They also addressed the government shutdown's potential impact on lending and the economy. Additionally, they explained the complexities of mortgage rates, emphasizing the importance of pre-approval and understanding loan level price adjustments (LLPAs). They concluded by highlighting the Silver State Fair Housing Council's efforts to combat housing discrimination.

]]> Roland Daniels and Heidi Griffith discussed upcoming education workshops, including a path to home ownership workshop on the first Saturday of each month and a Nevada Housing Division class on October 13. They highlighted the impact of the recent Fed rate cut on short-term rates, noting that mortgage rates actually increased post-announcement. They also addressed the government shutdown's potential impact on lending and the economy. Additionally, they explained the complexities of mortgage rates, emphasizing the importance of pre-approval and understanding loan level price adjustments (LLPAs). They concluded by highlighting the Silver State Fair Housing Council's efforts to combat housing discrimination.

]]> Sun, 05 Oct 2025 08:00:00 -0700 Mortgage Matters Mortgage Matters 1761 Roland Daniels and Heidi Griffith discussed upcoming education workshops, including a path to home ownership workshop on the first Saturday of each month and a Nevada Housing Division class on October 13. They highlighted the impact of the recent Fed rate cut on short-term rates, noting that mortgage rates actually increased post-announcement. They also addressed the government shutdown's potential impact on lending and the economy. Additionally, they explained the complexities of mortgage rates, emphasizing the importance of pre-approval and understanding loan level price adjustments (LLPAs). They concluded by highlighting the Silver State Fair Housing Council's efforts to combat housing discrimination.

]]> Las Vegas mortgage, Nevada mortgage, Las Vegas down payment assistance, Nevada down payment assistance, first-time homebuyer Las Vegas, homebuyer class Las Vegas, VA loan Nevada, mortgage help Las Vegas, buying a home in Nevada No Home Is Possible: Nevada Housing Division Down Payment Programs with Josie Hatem 53 53 Home Is Possible: Nevada Housing Division Down Payment Programs with Josie Hatem full 1f7cb720-7a04-4fa7-a496-e2dcdb097c63 https://share.transistor.fm/s/3f182298 Roland and Heidi welcome Josie Hatem from the Nevada Housing Division to talk about the Home Is Possible programs. From first-time buyers to teachers, veterans, and essential workers, Josie explains how these options make homeownership more attainable for Nevadans. Tune in and learn how these programs can help you move forward, and don’t miss our next online Home Is Possible class on Monday, October 13th.

]]> Roland and Heidi welcome Josie Hatem from the Nevada Housing Division to talk about the Home Is Possible programs. From first-time buyers to teachers, veterans, and essential workers, Josie explains how these options make homeownership more attainable for Nevadans. Tune in and learn how these programs can help you move forward, and don’t miss our next online Home Is Possible class on Monday, October 13th.

]]> Sun, 28 Sep 2025 08:00:00 -0700 Mortgage Matters Mortgage Matters 1793 Roland and Heidi welcome Josie Hatem from the Nevada Housing Division to talk about the Home Is Possible programs. From first-time buyers to teachers, veterans, and essential workers, Josie explains how these options make homeownership more attainable for Nevadans. Tune in and learn how these programs can help you move forward, and don’t miss our next online Home Is Possible class on Monday, October 13th.

]]> Las Vegas mortgage, Nevada mortgage, Las Vegas down payment assistance, Nevada down payment assistance, first-time homebuyer Las Vegas, homebuyer class Las Vegas, VA loan Nevada, mortgage help Las Vegas, buying a home in Nevada No Mortgage Matters: Nevada Real Estate Trends, the Fed's Recent Rate Cut & How It May (or May Not) Affect Mortgage Rates 52 52 Mortgage Matters: Nevada Real Estate Trends, the Fed's Recent Rate Cut & How It May (or May Not) Affect Mortgage Rates full c0c1af78-920b-4854-86d9-084fa25255ba https://share.transistor.fm/s/409b8f7d Roland and Heidi discussed down payment assistance programs in Nevada, highlighting an upcoming online class on September 22 at 3:30 PM. They emphasized the importance of these programs in overcoming the barrier of saving for a down payment. They also talked about the Fed's recent decision to reduce short-term rates by 0.25%, but it may not immediately impact long-term mortgage rates.

]]> Roland and Heidi discussed down payment assistance programs in Nevada, highlighting an upcoming online class on September 22 at 3:30 PM. They emphasized the importance of these programs in overcoming the barrier of saving for a down payment. They also talked about the Fed's recent decision to reduce short-term rates by 0.25%, but it may not immediately impact long-term mortgage rates.

]]> Sun, 21 Sep 2025 08:00:00 -0700 Mortgage Matters Mortgage Matters 1800 Roland and Heidi discussed down payment assistance programs in Nevada, highlighting an upcoming online class on September 22 at 3:30 PM. They emphasized the importance of these programs in overcoming the barrier of saving for a down payment. They also talked about the Fed's recent decision to reduce short-term rates by 0.25%, but it may not immediately impact long-term mortgage rates.

]]> Las Vegas mortgage, Nevada mortgage, Las Vegas down payment assistance, Nevada down payment assistance, first-time homebuyer Las Vegas, homebuyer class Las Vegas, VA loan Nevada, mortgage help Las Vegas, buying a home in Nevada No Mortgage Matters with guest Aprille Noble: Helping Veterans through VA financing, services and resources 51 51 Mortgage Matters with guest Aprille Noble: Helping Veterans through VA financing, services and resources full 9dc082c7-2176-4425-bb25-01541429078a https://share.transistor.fm/s/49e6f487 Roland and Heidi discussed an upcoming Nevada Housing Division class on September 22, 2025, from 3:30 to 5:00 PM, which will cover down payment programs and first-time homebuyer assistance. They highlighted a $7,500 down payment program for K-12 public school teachers and a zero-down payment VA loan for veterans. Aprille Noble, a retired US Air Force Major and mortgage loan officer, emphasized the benefits of VA loans, including zero down payment and flexible credit requirements. They also discussed the importance of fair housing and resources for female veterans and homeless veterans.

]]> Roland and Heidi discussed an upcoming Nevada Housing Division class on September 22, 2025, from 3:30 to 5:00 PM, which will cover down payment programs and first-time homebuyer assistance. They highlighted a $7,500 down payment program for K-12 public school teachers and a zero-down payment VA loan for veterans. Aprille Noble, a retired US Air Force Major and mortgage loan officer, emphasized the benefits of VA loans, including zero down payment and flexible credit requirements. They also discussed the importance of fair housing and resources for female veterans and homeless veterans.

]]> Sun, 14 Sep 2025 08:00:00 -0700 Mortgage Matters Mortgage Matters 1800 Roland and Heidi discussed an upcoming Nevada Housing Division class on September 22, 2025, from 3:30 to 5:00 PM, which will cover down payment programs and first-time homebuyer assistance. They highlighted a $7,500 down payment program for K-12 public school teachers and a zero-down payment VA loan for veterans. Aprille Noble, a retired US Air Force Major and mortgage loan officer, emphasized the benefits of VA loans, including zero down payment and flexible credit requirements. They also discussed the importance of fair housing and resources for female veterans and homeless veterans.

]]> Las Vegas mortgage, Nevada mortgage, Las Vegas down payment assistance, Nevada down payment assistance, first-time homebuyer Las Vegas, homebuyer class Las Vegas, VA loan Nevada, mortgage help Las Vegas, buying a home in Nevada No Meet Mortgage Matters: Support Fair Housing, and Empower Underserved Communities 50 50 Meet Mortgage Matters: Support Fair Housing, and Empower Underserved Communities full 87575c69-4622-42c8-9e39-6affb2236938 https://share.transistor.fm/s/d69ac96c Roland and Heidi discussed their upcoming events and services. They highlighted the "Path to Homeownership" class on September 6, covering home buying and living, including credit and budgeting. They also mentioned a session at the Center on September 13, focusing on homeownership for the LGBTQIA+ community. Additionally, they noted a packed online class with the Nevada Housing Division, which covered down payment assistance programs. Roland shared his background in serving veterans and underserved individuals, while Heidi discussed her experience in real estate and her role in helping clients during the 2008 housing crash and COVID-19. They emphasized their commitment to fair housing and encouraged listeners to volunteer as testers for the Silver State Fair Housing Council.

]]> Roland and Heidi discussed their upcoming events and services. They highlighted the "Path to Homeownership" class on September 6, covering home buying and living, including credit and budgeting. They also mentioned a session at the Center on September 13, focusing on homeownership for the LGBTQIA+ community. Additionally, they noted a packed online class with the Nevada Housing Division, which covered down payment assistance programs. Roland shared his background in serving veterans and underserved individuals, while Heidi discussed her experience in real estate and her role in helping clients during the 2008 housing crash and COVID-19. They emphasized their commitment to fair housing and encouraged listeners to volunteer as testers for the Silver State Fair Housing Council.

]]> Sun, 24 Aug 2025 08:00:00 -0700 Mortgage Matters Mortgage Matters 1723 Roland and Heidi discussed their upcoming events and services. They highlighted the "Path to Homeownership" class on September 6, covering home buying and living, including credit and budgeting. They also mentioned a session at the Center on September 13, focusing on homeownership for the LGBTQIA+ community. Additionally, they noted a packed online class with the Nevada Housing Division, which covered down payment assistance programs. Roland shared his background in serving veterans and underserved individuals, while Heidi discussed her experience in real estate and her role in helping clients during the 2008 housing crash and COVID-19. They emphasized their commitment to fair housing and encouraged listeners to volunteer as testers for the Silver State Fair Housing Council.

]]> Las Vegas mortgage, Nevada mortgage, Las Vegas down payment assistance, Nevada down payment assistance, first-time homebuyer Las Vegas, homebuyer class Las Vegas, VA loan Nevada, mortgage help Las Vegas, buying a home in Nevada No Mortgage Matters: Refinance Options, Market Shifts, and Fair Housing Advocacy 49 49 Mortgage Matters: Refinance Options, Market Shifts, and Fair Housing Advocacy full 42c6fec5-84b2-490b-adb3-d8f0c5875872 https://share.transistor.fm/s/fef63a71 Roland and Heidi discussed the upcoming Path to Homeownership and Financial Literacy Workshop on September 6, 2025, covering budgeting, credit preparedness, and loan programs. They clarified that down payment assistance involves one lender and multiple mortgage options. They highlighted a client's success with a cash-out refinance, reducing monthly payments by $1,500. They also addressed the impact of corporate relocations to Nevada, such as Dropbox and TripAdvisor, on housing demand and affordability. Finally, they emphasized the importance of fair housing and the role of the Silver State Fair Housing Council in ensuring equal access to housing.

]]> Roland and Heidi discussed the upcoming Path to Homeownership and Financial Literacy Workshop on September 6, 2025, covering budgeting, credit preparedness, and loan programs. They clarified that down payment assistance involves one lender and multiple mortgage options. They highlighted a client's success with a cash-out refinance, reducing monthly payments by $1,500. They also addressed the impact of corporate relocations to Nevada, such as Dropbox and TripAdvisor, on housing demand and affordability. Finally, they emphasized the importance of fair housing and the role of the Silver State Fair Housing Council in ensuring equal access to housing.

]]> Sun, 17 Aug 2025 08:00:00 -0700 Mortgage Matters Mortgage Matters 1735 Roland and Heidi discussed the upcoming Path to Homeownership and Financial Literacy Workshop on September 6, 2025, covering budgeting, credit preparedness, and loan programs. They clarified that down payment assistance involves one lender and multiple mortgage options. They highlighted a client's success with a cash-out refinance, reducing monthly payments by $1,500. They also addressed the impact of corporate relocations to Nevada, such as Dropbox and TripAdvisor, on housing demand and affordability. Finally, they emphasized the importance of fair housing and the role of the Silver State Fair Housing Council in ensuring equal access to housing.

]]> Las Vegas mortgage, Nevada mortgage, Las Vegas down payment assistance, Nevada down payment assistance, first-time homebuyer Las Vegas, homebuyer class Las Vegas, VA loan Nevada, mortgage help Las Vegas, buying a home in Nevada No Unlocking Home Equity: Managing Debt, Cutting Costs, and Making Homeownership Possible 48 48 Unlocking Home Equity: Managing Debt, Cutting Costs, and Making Homeownership Possible full 003a4703-0b07-4cc4-abed-240358c98756 https://share.transistor.fm/s/38c9fd7a Roland and Heidi discussed the potential of using home equity to manage rising costs and debt. They highlighted the "Home is Possible" program, which offers down payment assistance and low-interest rates for first-time homebuyers and teachers. The program's maximum purchase price is $806,500, and income limits extend up to $165,000. They shared a case study of a client with a $220,000 mortgage at 3.25% and $3,307 in monthly payments, who opted for a cash-out refinance to save $1,500 monthly by eliminating $20,000 in credit card debt and other costs. They also emphasized the importance of fair housing and the Silver State Fair Housing Council's tester program.

]]> Roland and Heidi discussed the potential of using home equity to manage rising costs and debt. They highlighted the "Home is Possible" program, which offers down payment assistance and low-interest rates for first-time homebuyers and teachers. The program's maximum purchase price is $806,500, and income limits extend up to $165,000. They shared a case study of a client with a $220,000 mortgage at 3.25% and $3,307 in monthly payments, who opted for a cash-out refinance to save $1,500 monthly by eliminating $20,000 in credit card debt and other costs. They also emphasized the importance of fair housing and the Silver State Fair Housing Council's tester program.

]]> Sun, 10 Aug 2025 08:00:00 -0700 Mortgage Matters Mortgage Matters 1751 Roland and Heidi discussed the potential of using home equity to manage rising costs and debt. They highlighted the "Home is Possible" program, which offers down payment assistance and low-interest rates for first-time homebuyers and teachers. The program's maximum purchase price is $806,500, and income limits extend up to $165,000. They shared a case study of a client with a $220,000 mortgage at 3.25% and $3,307 in monthly payments, who opted for a cash-out refinance to save $1,500 monthly by eliminating $20,000 in credit card debt and other costs. They also emphasized the importance of fair housing and the Silver State Fair Housing Council's tester program.

]]> Las Vegas mortgage, Nevada mortgage, Las Vegas down payment assistance, Nevada down payment assistance, first-time homebuyer Las Vegas, homebuyer class Las Vegas, VA loan Nevada, mortgage help Las Vegas, buying a home in Nevada No Mortgage Matters:Navigating Housing Market Shifts and Unlocking Homeownership Resources 47 47 Mortgage Matters:Navigating Housing Market Shifts and Unlocking Homeownership Resources full 1920786d-56e5-4b7b-af3f-7aac52f148be https://share.transistor.fm/s/6177af86 Roland and Heidi discuss the shift from a balanced to a buyer's market in Las Vegas, noting that sellers are offering concessions, including covering closing costs and reducing prices. They highlight the upcoming Home is Possible online class on August 11, which covers down payment assistance programs, including up to 5% help and income limits of $165,000. They also discuss the Mortgage Credit Certificate (MCC) program, which provides a tax credit for mortgage interest, and emphasize the importance of fair housing, encouraging listeners to volunteer as testers to help uncover subtle forms of discrimination.

]]> Roland and Heidi discuss the shift from a balanced to a buyer's market in Las Vegas, noting that sellers are offering concessions, including covering closing costs and reducing prices. They highlight the upcoming Home is Possible online class on August 11, which covers down payment assistance programs, including up to 5% help and income limits of $165,000. They also discuss the Mortgage Credit Certificate (MCC) program, which provides a tax credit for mortgage interest, and emphasize the importance of fair housing, encouraging listeners to volunteer as testers to help uncover subtle forms of discrimination.

]]> Sun, 03 Aug 2025 08:00:00 -0700 Mortgage Matters Mortgage Matters 1681 Roland and Heidi discuss the shift from a balanced to a buyer's market in Las Vegas, noting that sellers are offering concessions, including covering closing costs and reducing prices. They highlight the upcoming Home is Possible online class on August 11, which covers down payment assistance programs, including up to 5% help and income limits of $165,000. They also discuss the Mortgage Credit Certificate (MCC) program, which provides a tax credit for mortgage interest, and emphasize the importance of fair housing, encouraging listeners to volunteer as testers to help uncover subtle forms of discrimination.

]]> Las Vegas mortgage, Nevada mortgage, Las Vegas down payment assistance, Nevada down payment assistance, first-time homebuyer Las Vegas, homebuyer class Las Vegas, VA loan Nevada, mortgage help Las Vegas, buying a home in Nevada No Mortgage Matters: Financial Readiness and Equal Access at Homeownership Workshop 46 46 Mortgage Matters: Financial Readiness and Equal Access at Homeownership Workshop full b2bd4215-ecde-45d0-86b1-e1f13b3c317d https://share.transistor.fm/s/d789dfc2 Roland and Heidi discussed their upcoming Path to Homeownership workshop on August 2nd. The workshop, held monthly, covers the home-buying process, down payment assistance, and closing costs. They emphasized the importance of accurate information, budgeting, and understanding the long-term implications of owning a home. They also highlighted the role of HUD-certified counselors and the Silver State Fair Housing Council in ensuring equal access to housing. The hosts emphasized the importance of preparing financially and making informed decisions to minimize financial strain after purchase.

]]> Roland and Heidi discussed their upcoming Path to Homeownership workshop on August 2nd. The workshop, held monthly, covers the home-buying process, down payment assistance, and closing costs. They emphasized the importance of accurate information, budgeting, and understanding the long-term implications of owning a home. They also highlighted the role of HUD-certified counselors and the Silver State Fair Housing Council in ensuring equal access to housing. The hosts emphasized the importance of preparing financially and making informed decisions to minimize financial strain after purchase.

]]> Sun, 27 Jul 2025 08:00:00 -0700 Mortgage Matters Mortgage Matters 1759 Roland and Heidi discussed their upcoming Path to Homeownership workshop on August 2nd. The workshop, held monthly, covers the home-buying process, down payment assistance, and closing costs. They emphasized the importance of accurate information, budgeting, and understanding the long-term implications of owning a home. They also highlighted the role of HUD-certified counselors and the Silver State Fair Housing Council in ensuring equal access to housing. The hosts emphasized the importance of preparing financially and making informed decisions to minimize financial strain after purchase.

]]> Las Vegas mortgage, Nevada mortgage, Las Vegas down payment assistance, Nevada down payment assistance, first-time homebuyer Las Vegas, homebuyer class Las Vegas, VA loan Nevada, mortgage help Las Vegas, buying a home in Nevada No Credit Truths and Mortgage Myths: Navigating the New Landscape of Homeownership 45 45 Credit Truths and Mortgage Myths: Navigating the New Landscape of Homeownership full 69dd71a9-6b56-4a3c-9c5b-8b4aa375748f https://share.transistor.fm/s/87aff87d Roland and Heidi break down the buzz around the newly approved VantageScore 4.0 and explain what it really means for mortgage lending. They offer practical guidance on understanding credit scores, navigating loan types, and why waiting for “perfect” conditions can delay your homeownership goals. With clear distinctions between pre-qualification and pre-approval, and a heartfelt invitation to their free Path to Homeownership workshop, this episode empowers listeners to stop guessing and start taking action, regardless of where they are on their journey.

]]> Roland and Heidi break down the buzz around the newly approved VantageScore 4.0 and explain what it really means for mortgage lending. They offer practical guidance on understanding credit scores, navigating loan types, and why waiting for “perfect” conditions can delay your homeownership goals. With clear distinctions between pre-qualification and pre-approval, and a heartfelt invitation to their free Path to Homeownership workshop, this episode empowers listeners to stop guessing and start taking action, regardless of where they are on their journey.

]]> Sun, 20 Jul 2025 08:00:00 -0700 Mortgage Matters Mortgage Matters 1768 Roland and Heidi break down the buzz around the newly approved VantageScore 4.0 and explain what it really means for mortgage lending. They offer practical guidance on understanding credit scores, navigating loan types, and why waiting for “perfect” conditions can delay your homeownership goals. With clear distinctions between pre-qualification and pre-approval, and a heartfelt invitation to their free Path to Homeownership workshop, this episode empowers listeners to stop guessing and start taking action, regardless of where they are on their journey.

]]> Las Vegas mortgage, Nevada mortgage, Las Vegas down payment assistance, Nevada down payment assistance, first-time homebuyer Las Vegas, homebuyer class Las Vegas, VA loan Nevada, mortgage help Las Vegas, buying a home in Nevada No Congresswoman Susie Lee Champions Housing, Health, and Water Equity for Nevada 43 43 Congresswoman Susie Lee Champions Housing, Health, and Water Equity for Nevada full e11011c6-e854-45fd-871c-1bc5d7dc6f70 https://share.transistor.fm/s/78c40810 Congresswoman Susie Lee discussed the impact of the Senate's reconciliation bill on Nevada, highlighting $7 billion in Medicaid cuts over a decade, affecting 115,000 residents. She emphasized the need for affordable housing, proposing the Southern Nevada Economic Development and Conservation Act to develop 25,000 acres over 50 years. Lee also addressed the ACE Act, which expedites land appraisals, and the importance of water conservation, noting Nevada's 3% draw from the Colorado River. She stressed the need for bipartisan efforts and community engagement to address housing and water challenges. Roland and Heidi end the show discussing the Silver State Fair Housing Council's efforts to combat housing discrimination.

]]> Congresswoman Susie Lee discussed the impact of the Senate's reconciliation bill on Nevada, highlighting $7 billion in Medicaid cuts over a decade, affecting 115,000 residents. She emphasized the need for affordable housing, proposing the Southern Nevada Economic Development and Conservation Act to develop 25,000 acres over 50 years. Lee also addressed the ACE Act, which expedites land appraisals, and the importance of water conservation, noting Nevada's 3% draw from the Colorado River. She stressed the need for bipartisan efforts and community engagement to address housing and water challenges. Roland and Heidi end the show discussing the Silver State Fair Housing Council's efforts to combat housing discrimination.

]]> Sun, 06 Jul 2025 08:00:00 -0700 Mortgage Matters Mortgage Matters 1648 Congresswoman Susie Lee discussed the impact of the Senate's reconciliation bill on Nevada, highlighting $7 billion in Medicaid cuts over a decade, affecting 115,000 residents. She emphasized the need for affordable housing, proposing the Southern Nevada Economic Development and Conservation Act to develop 25,000 acres over 50 years. Lee also addressed the ACE Act, which expedites land appraisals, and the importance of water conservation, noting Nevada's 3% draw from the Colorado River. She stressed the need for bipartisan efforts and community engagement to address housing and water challenges. Roland and Heidi end the show discussing the Silver State Fair Housing Council's efforts to combat housing discrimination.

]]> Las Vegas mortgage, Nevada mortgage, Las Vegas down payment assistance, Nevada down payment assistance, first-time homebuyer Las Vegas, homebuyer class Las Vegas, VA loan Nevada, mortgage help Las Vegas, buying a home in Nevada No Mortgage Matters: Promoting Homeownership Access and Advocating for Consumer Protections in Housing Policy 42 42 Mortgage Matters: Promoting Homeownership Access and Advocating for Consumer Protections in Housing Policy full d84277f4-327d-476b-9b1f-f779c6a4b8d6 https://share.transistor.fm/s/dfb3b7ee Roland and Heidi discussed the upcoming Path to Homeownership workshop on July 12, which offers a HUD home buyer education certificate. They shared Joss's journey to homeownership, highlighting the importance of down payment assistance programs. They also addressed the issue of trigger leads, which flood consumers with unsolicited calls from lenders, and the Home Buyers Privacy Protection Act, which aims to ban such practices. Additionally, they discussed the Nevada Housing Act, which allocated $133 million for attainable housing, and the vetoed rent cap pilot bill. Finally, they mentioned a proposal to sell federal land for housing, which was removed due to budget rule violations.

]]> Roland and Heidi discussed the upcoming Path to Homeownership workshop on July 12, which offers a HUD home buyer education certificate. They shared Joss's journey to homeownership, highlighting the importance of down payment assistance programs. They also addressed the issue of trigger leads, which flood consumers with unsolicited calls from lenders, and the Home Buyers Privacy Protection Act, which aims to ban such practices. Additionally, they discussed the Nevada Housing Act, which allocated $133 million for attainable housing, and the vetoed rent cap pilot bill. Finally, they mentioned a proposal to sell federal land for housing, which was removed due to budget rule violations.

]]> Sun, 29 Jun 2025 08:00:00 -0700 Mortgage Matters Mortgage Matters 1765 Roland and Heidi discussed the upcoming Path to Homeownership workshop on July 12, which offers a HUD home buyer education certificate. They shared Joss's journey to homeownership, highlighting the importance of down payment assistance programs. They also addressed the issue of trigger leads, which flood consumers with unsolicited calls from lenders, and the Home Buyers Privacy Protection Act, which aims to ban such practices. Additionally, they discussed the Nevada Housing Act, which allocated $133 million for attainable housing, and the vetoed rent cap pilot bill. Finally, they mentioned a proposal to sell federal land for housing, which was removed due to budget rule violations.

]]> Las Vegas mortgage, Nevada mortgage, Las Vegas down payment assistance, Nevada down payment assistance, first-time homebuyer Las Vegas, homebuyer class Las Vegas, VA loan Nevada, mortgage help Las Vegas, buying a home in Nevada No Mortgage Matters: Decode Market Shifts, and Celebrate Homeownership Month 41 41 Mortgage Matters: Decode Market Shifts, and Celebrate Homeownership Month full 7f6d3ace-92d0-4c10-bf73-ff3b2e4bb0b0 https://share.transistor.fm/s/bbfab239 Roland and Heidi discuss the significance of National Homeownership Month in June, highlighting the 65% homeownership rate and the affordability challenges. They emphasize the importance of education through classes and workshops, such as the "Home is Possible" and "Path to Homeownership" programs. They address the potential privatization of Fannie Mae and Freddie Mac, which could impact loan qualification. Locally, they note a shift towards a buyer's market with increased inventory, affecting negotiation power. They also discuss strategies for current homeowners to leverage equity through HELOCs, home equity loans, and cash-out refinances to manage debt and financial stress.

]]> Roland and Heidi discuss the significance of National Homeownership Month in June, highlighting the 65% homeownership rate and the affordability challenges. They emphasize the importance of education through classes and workshops, such as the "Home is Possible" and "Path to Homeownership" programs. They address the potential privatization of Fannie Mae and Freddie Mac, which could impact loan qualification. Locally, they note a shift towards a buyer's market with increased inventory, affecting negotiation power. They also discuss strategies for current homeowners to leverage equity through HELOCs, home equity loans, and cash-out refinances to manage debt and financial stress.

]]> Sun, 15 Jun 2025 08:00:00 -0700 Mortgage Matters Mortgage Matters 1605 Roland and Heidi discuss the significance of National Homeownership Month in June, highlighting the 65% homeownership rate and the affordability challenges. They emphasize the importance of education through classes and workshops, such as the "Home is Possible" and "Path to Homeownership" programs. They address the potential privatization of Fannie Mae and Freddie Mac, which could impact loan qualification. Locally, they note a shift towards a buyer's market with increased inventory, affecting negotiation power. They also discuss strategies for current homeowners to leverage equity through HELOCs, home equity loans, and cash-out refinances to manage debt and financial stress.

]]> Las Vegas mortgage, Nevada mortgage, Las Vegas down payment assistance, Nevada down payment assistance, first-time homebuyer Las Vegas, homebuyer class Las Vegas, VA loan Nevada, mortgage help Las Vegas, buying a home in Nevada No Mortgage Matters Accessible Homeownership and Common Myths 40 40 Mortgage Matters Accessible Homeownership and Common Myths full 13320835-4290-4d03-81b7-4aa373149ebd https://share.transistor.fm/s/e5f2513b Roland and Heidi discuss the importance of homeownership during National Homeownership Month. They highlight programs like the Nevada Housing Division's "Home is Possible" initiative, which offers down payment assistance up to $165,000 annual income and can be used by veterans. They debunk myths about homeownership, emphasizing that age is not a barrier, with the average first-time homebuyer age being 38. They also address the misconception that 20% down payment is required, noting that programs can cover up to 5%. The conversation underscores the benefits of homeownership over renting, including equity and stability.

]]> Roland and Heidi discuss the importance of homeownership during National Homeownership Month. They highlight programs like the Nevada Housing Division's "Home is Possible" initiative, which offers down payment assistance up to $165,000 annual income and can be used by veterans. They debunk myths about homeownership, emphasizing that age is not a barrier, with the average first-time homebuyer age being 38. They also address the misconception that 20% down payment is required, noting that programs can cover up to 5%. The conversation underscores the benefits of homeownership over renting, including equity and stability.

]]> Sun, 08 Jun 2025 08:00:00 -0700 Mortgage Matters Mortgage Matters 1717 Roland and Heidi discuss the importance of homeownership during National Homeownership Month. They highlight programs like the Nevada Housing Division's "Home is Possible" initiative, which offers down payment assistance up to $165,000 annual income and can be used by veterans. They debunk myths about homeownership, emphasizing that age is not a barrier, with the average first-time homebuyer age being 38. They also address the misconception that 20% down payment is required, noting that programs can cover up to 5%. The conversation underscores the benefits of homeownership over renting, including equity and stability.

]]> Las Vegas mortgage, Nevada mortgage, Las Vegas down payment assistance, Nevada down payment assistance, first-time homebuyer Las Vegas, homebuyer class Las Vegas, VA loan Nevada, mortgage help Las Vegas, buying a home in Nevada No Plan Smart, Protect Homeownership: Demystify Estate Planning and Probate 39 39 Plan Smart, Protect Homeownership: Demystify Estate Planning and Probate full 99fb9995-a1c9-46fd-9a7b-2c863918114c https://share.transistor.fm/s/a18cac91 Roland and Heidi discuss the importance of estate planning for homeowners, emphasizing the need to avoid probate to save loved ones from legal fees and potential property loss. They highlight an upcoming online class on June 10, 2025, and a housing fair on June 7, 2025, both aimed at providing down payment assistance and homeownership resources. They explain the complexities of probate, the benefits of trusts and transfer-on-death deeds, and the implications of inheriting properties with mortgages or reverse mortgages. They also stress the importance of clear estate planning to ensure smooth transitions and minimize family conflicts.

]]> Roland and Heidi discuss the importance of estate planning for homeowners, emphasizing the need to avoid probate to save loved ones from legal fees and potential property loss. They highlight an upcoming online class on June 10, 2025, and a housing fair on June 7, 2025, both aimed at providing down payment assistance and homeownership resources. They explain the complexities of probate, the benefits of trusts and transfer-on-death deeds, and the implications of inheriting properties with mortgages or reverse mortgages. They also stress the importance of clear estate planning to ensure smooth transitions and minimize family conflicts.

]]> Sun, 01 Jun 2025 08:00:00 -0700 Mortgage Matters Mortgage Matters 1739 Roland and Heidi discuss the importance of estate planning for homeowners, emphasizing the need to avoid probate to save loved ones from legal fees and potential property loss. They highlight an upcoming online class on June 10, 2025, and a housing fair on June 7, 2025, both aimed at providing down payment assistance and homeownership resources. They explain the complexities of probate, the benefits of trusts and transfer-on-death deeds, and the implications of inheriting properties with mortgages or reverse mortgages. They also stress the importance of clear estate planning to ensure smooth transitions and minimize family conflicts.

]]> Las Vegas mortgage, Nevada mortgage, Las Vegas down payment assistance, Nevada down payment assistance, first-time homebuyer Las Vegas, homebuyer class Las Vegas, VA loan Nevada, mortgage help Las Vegas, buying a home in Nevada No Las Vegas Housing Market Expands: Rising Inventory, Flexible Deals, and Buyer Opportunities 38 38 Las Vegas Housing Market Expands: Rising Inventory, Flexible Deals, and Buyer Opportunities full 6501ba2e-3beb-46b2-8e61-70b82e7bc9b8 https://share.transistor.fm/s/3706c948 Roland and Heidi discussed the current housing market trends in Las Vegas, highlighting a significant increase in housing inventory, with over 6,200 homes listed without offers in April. They noted the impact of economic factors like Moody's downgrade and tariffs on materials, which have pushed mortgage rates higher. The median home price dipped slightly to $480,000, offering potential buyers more options. They emphasized the importance of seller credits and flexible strategies for both buyers and sellers. They also promoted their upcoming Path to Homeownership Workshop on May 31, which provides comprehensive guidance on buying a home and leveraging available programs and resources.

]]> Roland and Heidi discussed the current housing market trends in Las Vegas, highlighting a significant increase in housing inventory, with over 6,200 homes listed without offers in April. They noted the impact of economic factors like Moody's downgrade and tariffs on materials, which have pushed mortgage rates higher. The median home price dipped slightly to $480,000, offering potential buyers more options. They emphasized the importance of seller credits and flexible strategies for both buyers and sellers. They also promoted their upcoming Path to Homeownership Workshop on May 31, which provides comprehensive guidance on buying a home and leveraging available programs and resources.

]]> Sun, 25 May 2025 08:00:00 -0700 Mortgage Matters Mortgage Matters 1446 Roland and Heidi discussed the current housing market trends in Las Vegas, highlighting a significant increase in housing inventory, with over 6,200 homes listed without offers in April. They noted the impact of economic factors like Moody's downgrade and tariffs on materials, which have pushed mortgage rates higher. The median home price dipped slightly to $480,000, offering potential buyers more options. They emphasized the importance of seller credits and flexible strategies for both buyers and sellers. They also promoted their upcoming Path to Homeownership Workshop on May 31, which provides comprehensive guidance on buying a home and leveraging available programs and resources.

]]> Las Vegas mortgage, Nevada mortgage, Las Vegas down payment assistance, Nevada down payment assistance, first-time homebuyer Las Vegas, homebuyer class Las Vegas, VA loan Nevada, mortgage help Las Vegas, buying a home in Nevada No Mortgage Matters: Navigating Commercial Real Estate with Expert Guidance 37 37 Mortgage Matters: Navigating Commercial Real Estate with Expert Guidance full 7f1a95d3-03d7-44c1-a19f-985e57ff6cb2 https://share.transistor.fm/s/4ae79c96 Roland and Heidi discuss the upcoming online home ownership class, Home is Possible, on May 12th at 4 PM, covering Nevada Housing Division's down payment assistance programs, including a first-time buyer program, programs that allow ownership in other states, a $7,500 grant for teachers, as well as income limits up to $165,000. They also highlight the benefits of VA loans, which offer zero down payment. Guest Dertrez Pressley, a commercial real estate advisor, emphasizes the importance of proper representation for mom-and-pop businesses, the need for a solid business plan, and the significance of financial documentation. He also discusses current trends in commercial real estate, particularly mixed-use properties.

]]> Roland and Heidi discuss the upcoming online home ownership class, Home is Possible, on May 12th at 4 PM, covering Nevada Housing Division's down payment assistance programs, including a first-time buyer program, programs that allow ownership in other states, a $7,500 grant for teachers, as well as income limits up to $165,000. They also highlight the benefits of VA loans, which offer zero down payment. Guest Dertrez Pressley, a commercial real estate advisor, emphasizes the importance of proper representation for mom-and-pop businesses, the need for a solid business plan, and the significance of financial documentation. He also discusses current trends in commercial real estate, particularly mixed-use properties.

]]> Sun, 11 May 2025 08:00:00 -0700 Mortgage Matters Mortgage Matters 1800 Roland and Heidi discuss the upcoming online home ownership class, Home is Possible, on May 12th at 4 PM, covering Nevada Housing Division's down payment assistance programs, including a first-time buyer program, programs that allow ownership in other states, a $7,500 grant for teachers, as well as income limits up to $165,000. They also highlight the benefits of VA loans, which offer zero down payment. Guest Dertrez Pressley, a commercial real estate advisor, emphasizes the importance of proper representation for mom-and-pop businesses, the need for a solid business plan, and the significance of financial documentation. He also discusses current trends in commercial real estate, particularly mixed-use properties.

]]> Las Vegas mortgage, Nevada mortgage, Las Vegas down payment assistance, Nevada down payment assistance, first-time homebuyer Las Vegas, homebuyer class Las Vegas, VA loan Nevada, mortgage help Las Vegas, buying a home in Nevada No Nevada Housing Coalition Drives Affordable Housing Solutions with Home Means Nevada and AB540 36 36 Nevada Housing Coalition Drives Affordable Housing Solutions with Home Means Nevada and AB540 full bcf5e544-7218-4fb3-998a-8ca7319d1c4c https://share.transistor.fm/s/637661ad Roland and Heidi discuss the Nevada Housing Coalition's efforts to promote affordable housing. Maurice Page, the coalition's Executive Director, highlights the state's shortage of 78,000 affordable housing units, with only 36,000 pre-COVID. The coalition's $500 million Home Means Nevada initiative aims to increase affordable housing by 3,400 units by 2026. They also discuss the Governor's housing attainability bill, AB540, which allocates $250 million to support homeownership and rental assistance. The coalition's membership starts at $45 per year, offering access to policy updates and events.

]]> Roland and Heidi discuss the Nevada Housing Coalition's efforts to promote affordable housing. Maurice Page, the coalition's Executive Director, highlights the state's shortage of 78,000 affordable housing units, with only 36,000 pre-COVID. The coalition's $500 million Home Means Nevada initiative aims to increase affordable housing by 3,400 units by 2026. They also discuss the Governor's housing attainability bill, AB540, which allocates $250 million to support homeownership and rental assistance. The coalition's membership starts at $45 per year, offering access to policy updates and events.

]]> Sun, 04 May 2025 08:00:00 -0700 Mortgage Matters Mortgage Matters 1747 Roland and Heidi discuss the Nevada Housing Coalition's efforts to promote affordable housing. Maurice Page, the coalition's Executive Director, highlights the state's shortage of 78,000 affordable housing units, with only 36,000 pre-COVID. The coalition's $500 million Home Means Nevada initiative aims to increase affordable housing by 3,400 units by 2026. They also discuss the Governor's housing attainability bill, AB540, which allocates $250 million to support homeownership and rental assistance. The coalition's membership starts at $45 per year, offering access to policy updates and events.

]]> Las Vegas mortgage, Nevada mortgage, Las Vegas down payment assistance, Nevada down payment assistance, first-time homebuyer Las Vegas, homebuyer class Las Vegas, VA loan Nevada, mortgage help Las Vegas, buying a home in Nevada No Mortgage Matters: Champion Fair Housing, Promote Homeownership Resources, and Advance Equity 35 35 Mortgage Matters: Champion Fair Housing, Promote Homeownership Resources, and Advance Equity full 77623330-a2d5-493b-b266-c43d661b6c5b https://share.transistor.fm/s/57dd10e8 Roland and Heidi discussed the importance of Fair Housing Month, emphasizing equity and access to safe housing. They were joined in studio by Gil Sanchez, Director and head of new membership efforts, and Allen Shelton, 1st Vice President and Political Advocacy Chair, with NAREB, who shared insights on the critical role of homeownership in building wealth and stability in Black and Brown communities. The conversation also highlighted the Silver State Fair Housing Council’s resources and Roland and Heidi’s new roles on its board. They closed the show by promoting upcoming workshops, including the May 3rd Path to Homeownership Workshop, which features programs like the WISH matching grant and the Nevada Rural Housing Mortgage Credit Certificate (MCC) offering valuable tax benefits to homeowners. 

]]> Roland and Heidi discussed the importance of Fair Housing Month, emphasizing equity and access to safe housing. They were joined in studio by Gil Sanchez, Director and head of new membership efforts, and Allen Shelton, 1st Vice President and Political Advocacy Chair, with NAREB, who shared insights on the critical role of homeownership in building wealth and stability in Black and Brown communities. The conversation also highlighted the Silver State Fair Housing Council’s resources and Roland and Heidi’s new roles on its board. They closed the show by promoting upcoming workshops, including the May 3rd Path to Homeownership Workshop, which features programs like the WISH matching grant and the Nevada Rural Housing Mortgage Credit Certificate (MCC) offering valuable tax benefits to homeowners. 

]]> Sun, 27 Apr 2025 08:00:00 -0700 Mortgage Matters Mortgage Matters 1786 Roland and Heidi discussed the importance of Fair Housing Month, emphasizing equity and access to safe housing. They were joined in studio by Gil Sanchez, Director and head of new membership efforts, and Allen Shelton, 1st Vice President and Political Advocacy Chair, with NAREB, who shared insights on the critical role of homeownership in building wealth and stability in Black and Brown communities. The conversation also highlighted the Silver State Fair Housing Council’s resources and Roland and Heidi’s new roles on its board. They closed the show by promoting upcoming workshops, including the May 3rd Path to Homeownership Workshop, which features programs like the WISH matching grant and the Nevada Rural Housing Mortgage Credit Certificate (MCC) offering valuable tax benefits to homeowners. 

]]> Las Vegas mortgage, Nevada mortgage, Las Vegas down payment assistance, Nevada down payment assistance, first-time homebuyer Las Vegas, homebuyer class Las Vegas, VA loan Nevada, mortgage help Las Vegas, buying a home in Nevada No Mortgage Matters: Demystify Title, Escrow, and Homebuyer Protection with Stewart Title 34 34 Mortgage Matters: Demystify Title, Escrow, and Homebuyer Protection with Stewart Title full 16af13ee-3dc5-4629-bad9-4494303b477f https://share.transistor.fm/s/e9e305fc Roland and Heidi discuss the importance of Title and Escrow in home buying. They introduce guests Desiree Holmes and Brian Holland from Stewart Title. Desiree explains her role as an escrow officer, emphasizing the neutrality of Title and Escrow services. They address wire fraud prevention, stressing the importance of verifying wire instructions. Brian highlights Stewart Title's 132-year history and the necessity of title insurance, which protects both lenders and owners. They also discuss FIRPTA, a 15% tax on purchases from foreign sellers, and the importance of proper title vesting to avoid probate. Contact information for further questions is provided.

]]> Roland and Heidi discuss the importance of Title and Escrow in home buying. They introduce guests Desiree Holmes and Brian Holland from Stewart Title. Desiree explains her role as an escrow officer, emphasizing the neutrality of Title and Escrow services. They address wire fraud prevention, stressing the importance of verifying wire instructions. Brian highlights Stewart Title's 132-year history and the necessity of title insurance, which protects both lenders and owners. They also discuss FIRPTA, a 15% tax on purchases from foreign sellers, and the importance of proper title vesting to avoid probate. Contact information for further questions is provided.

]]> Sun, 20 Apr 2025 08:00:00 -0700 Mortgage Matters Mortgage Matters 1724 Roland and Heidi discuss the importance of Title and Escrow in home buying. They introduce guests Desiree Holmes and Brian Holland from Stewart Title. Desiree explains her role as an escrow officer, emphasizing the neutrality of Title and Escrow services. They address wire fraud prevention, stressing the importance of verifying wire instructions. Brian highlights Stewart Title's 132-year history and the necessity of title insurance, which protects both lenders and owners. They also discuss FIRPTA, a 15% tax on purchases from foreign sellers, and the importance of proper title vesting to avoid probate. Contact information for further questions is provided.

]]> Las Vegas mortgage, Nevada mortgage, Las Vegas down payment assistance, Nevada down payment assistance, first-time homebuyer Las Vegas, homebuyer class Las Vegas, VA loan Nevada, mortgage help Las Vegas, buying a home in Nevada No Mortgage Matters: Unlocking Homeownership Opportunities with Nevada Rural Housing's Home at Last 33 33 Mortgage Matters: Unlocking Homeownership Opportunities with Nevada Rural Housing's Home at Last full 71f197d1-39ad-4e71-9cbb-e3244c1c68bc https://share.transistor.fm/s/74bb0d6b Roland and Heidi discuss various home-buying programs and upcoming educational opportunities. They sit down with Kevin Hickey, Homeownership Programs Manager with Nevada Rural Housing, to talk about exciting changes to the Home at Last down payment program, which offers down payment assistance up to 4% and permanent rate reduction through seller concessions and a 5-year forgivable term. Nevada Rural Housing has financed $2.4 billion in mortgages and provided over $60 million in assistance. They also mention the Mortgage Credit Certificate (MCC) program, which provides a tax credit for mortgage interest.

]]> Roland and Heidi discuss various home-buying programs and upcoming educational opportunities. They sit down with Kevin Hickey, Homeownership Programs Manager with Nevada Rural Housing, to talk about exciting changes to the Home at Last down payment program, which offers down payment assistance up to 4% and permanent rate reduction through seller concessions and a 5-year forgivable term. Nevada Rural Housing has financed $2.4 billion in mortgages and provided over $60 million in assistance. They also mention the Mortgage Credit Certificate (MCC) program, which provides a tax credit for mortgage interest.

]]> Sun, 13 Apr 2025 08:00:00 -0700 Mortgage Matters Mortgage Matters 1462 Roland and Heidi discuss various home-buying programs and upcoming educational opportunities. They sit down with Kevin Hickey, Homeownership Programs Manager with Nevada Rural Housing, to talk about exciting changes to the Home at Last down payment program, which offers down payment assistance up to 4% and permanent rate reduction through seller concessions and a 5-year forgivable term. Nevada Rural Housing has financed $2.4 billion in mortgages and provided over $60 million in assistance. They also mention the Mortgage Credit Certificate (MCC) program, which provides a tax credit for mortgage interest.

]]> Las Vegas mortgage, Nevada mortgage, Las Vegas down payment assistance, Nevada down payment assistance, first-time homebuyer Las Vegas, homebuyer class Las Vegas, VA loan Nevada, mortgage help Las Vegas, buying a home in Nevada No Mortgage Matters: Fair Housing, VA Loan Myths, and Expand Access to Homeownership 32 32 Mortgage Matters: Fair Housing, VA Loan Myths, and Expand Access to Homeownership full 2ab935ce-17ec-4544-98c2-a6eae199180e https://share.transistor.fm/s/5faef62a Roland and Heidi discuss the importance of Fair Housing Month in April, highlighting the Fair Housing Act's 1968 enactment and its significance in civil rights. They emphasize that discrimination can be subtle and affect access to wealth, safety, and stability. Upcoming classes include a down payment support class on April 18 and a VA home loan class on April 19. They debunk myths about VA loans, noting no down payment, no mortgage insurance, and no minimum FICO score requirements. The Nevada Housing Division has waived fees for VA loans, making them more accessible.

]]> Roland and Heidi discuss the importance of Fair Housing Month in April, highlighting the Fair Housing Act's 1968 enactment and its significance in civil rights. They emphasize that discrimination can be subtle and affect access to wealth, safety, and stability. Upcoming classes include a down payment support class on April 18 and a VA home loan class on April 19. They debunk myths about VA loans, noting no down payment, no mortgage insurance, and no minimum FICO score requirements. The Nevada Housing Division has waived fees for VA loans, making them more accessible.

]]> Sun, 06 Apr 2025 08:00:00 -0700 Mortgage Matters Mortgage Matters 1723 Roland and Heidi discuss the importance of Fair Housing Month in April, highlighting the Fair Housing Act's 1968 enactment and its significance in civil rights. They emphasize that discrimination can be subtle and affect access to wealth, safety, and stability. Upcoming classes include a down payment support class on April 18 and a VA home loan class on April 19. They debunk myths about VA loans, noting no down payment, no mortgage insurance, and no minimum FICO score requirements. The Nevada Housing Division has waived fees for VA loans, making them more accessible.

]]> Las Vegas mortgage, Nevada mortgage, Las Vegas down payment assistance, Nevada down payment assistance, first-time homebuyer Las Vegas, homebuyer class Las Vegas, VA loan Nevada, mortgage help Las Vegas, buying a home in Nevada No Mortgage Matters: Fair Housing with Silver State Fair Housing Council 31 31 Mortgage Matters: Fair Housing with Silver State Fair Housing Council full 91e1589d-b293-4f97-ac11-9d16a1cdaaa8 https://share.transistor.fm/s/4908ac10 Roland and Heidi discuss upcoming educational opportunities in April, including a Path to Home Ownership workshop, a VA loan class for veterans, a down payment assistance class for realtors, and an A to Z class on down payment programs. They highlight the importance of fair housing, noting that April is Fair Housing Month. Fernanda Heki from Silver State Fair Housing Council explains the council's role in assisting with housing discrimination complaints and providing resources. They also mention a community resource fair on April 5 at the East Las Vegas Community Center and the availability of fair housing training sessions.

]]> Roland and Heidi discuss upcoming educational opportunities in April, including a Path to Home Ownership workshop, a VA loan class for veterans, a down payment assistance class for realtors, and an A to Z class on down payment programs. They highlight the importance of fair housing, noting that April is Fair Housing Month. Fernanda Heki from Silver State Fair Housing Council explains the council's role in assisting with housing discrimination complaints and providing resources. They also mention a community resource fair on April 5 at the East Las Vegas Community Center and the availability of fair housing training sessions.

]]> Sun, 30 Mar 2025 08:00:00 -0700 Mortgage Matters Mortgage Matters 1800 Roland and Heidi discuss upcoming educational opportunities in April, including a Path to Home Ownership workshop, a VA loan class for veterans, a down payment assistance class for realtors, and an A to Z class on down payment programs. They highlight the importance of fair housing, noting that April is Fair Housing Month. Fernanda Heki from Silver State Fair Housing Council explains the council's role in assisting with housing discrimination complaints and providing resources. They also mention a community resource fair on April 5 at the East Las Vegas Community Center and the availability of fair housing training sessions.

]]> Las Vegas mortgage, Nevada mortgage, Las Vegas down payment assistance, Nevada down payment assistance, first-time homebuyer Las Vegas, homebuyer class Las Vegas, VA loan Nevada, mortgage help Las Vegas, buying a home in Nevada No Navigating Homeownership: Workshops, Assistance Programs, and Mortgage Insights 30 30 Navigating Homeownership: Workshops, Assistance Programs, and Mortgage Insights full df4879e0-0ce9-4d52-b83e-4e30c45aaf20 https://share.transistor.fm/s/3ac06923 Roland and Heidi discuss upcoming educational classes and workshops in April, including the Path to Home Ownership workshop and a real estate class for realtors. They were joined by Kevin Hickey, Nevada Rural Housing's Homeownership Programs Manager, highlighting the Launch Pad program, which offers down payment and closing cost assistance for rural Nevadans, with options ranging from 2% to 5%. They clarify that VA loans can use down payment assistance for closing costs. The Mortgage Credit Certificate (MCC) program offers a tax credit on mortgage interest, benefiting first-time homebuyers and veterans. The Launch Pad program is funded through private activity bonds and will continue to be available.

]]> Roland and Heidi discuss upcoming educational classes and workshops in April, including the Path to Home Ownership workshop and a real estate class for realtors. They were joined by Kevin Hickey, Nevada Rural Housing's Homeownership Programs Manager, highlighting the Launch Pad program, which offers down payment and closing cost assistance for rural Nevadans, with options ranging from 2% to 5%. They clarify that VA loans can use down payment assistance for closing costs. The Mortgage Credit Certificate (MCC) program offers a tax credit on mortgage interest, benefiting first-time homebuyers and veterans. The Launch Pad program is funded through private activity bonds and will continue to be available.

]]> Sun, 23 Mar 2025 08:00:00 -0700 Mortgage Matters Mortgage Matters 1797 Roland and Heidi discuss upcoming educational classes and workshops in April, including the Path to Home Ownership workshop and a real estate class for realtors. They were joined by Kevin Hickey, Nevada Rural Housing's Homeownership Programs Manager, highlighting the Launch Pad program, which offers down payment and closing cost assistance for rural Nevadans, with options ranging from 2% to 5%. They clarify that VA loans can use down payment assistance for closing costs. The Mortgage Credit Certificate (MCC) program offers a tax credit on mortgage interest, benefiting first-time homebuyers and veterans. The Launch Pad program is funded through private activity bonds and will continue to be available.

]]> Las Vegas mortgage, Nevada mortgage, Las Vegas down payment assistance, Nevada down payment assistance, first-time homebuyer Las Vegas, homebuyer class Las Vegas, VA loan Nevada, mortgage help Las Vegas, buying a home in Nevada No Mortgage Matters: Market Trends, Buyer Representation, and Homeownership Strategies with Starla Jordan 29 29 Mortgage Matters: Market Trends, Buyer Representation, and Homeownership Strategies with Starla Jordan full 51265272-8814-42d7-8755-654a9702df63 https://share.transistor.fm/s/dcf7b46e Roland and Heidi discuss the Las Vegas real estate market with Starla Jordan from Coldwell Banker. The median home price in January was $485,000, with approximately 5,600 homes on the market. The average days on the market is 47 days. The National Association of Realtors' settlement in August 2024 changed how commissions are negotiated, requiring buyers to sign a buyer brokerage representation agreement. Starla emphasizes the importance of representation for buyers to protect their interests. The Path to Home Ownership workshop, led by HUD-certified counselors CPLC, covers budgeting, homeowners insurance, and credit improvement. The next workshop will be on Saturday, April, 5th, 2025. 

]]> Roland and Heidi discuss the Las Vegas real estate market with Starla Jordan from Coldwell Banker. The median home price in January was $485,000, with approximately 5,600 homes on the market. The average days on the market is 47 days. The National Association of Realtors' settlement in August 2024 changed how commissions are negotiated, requiring buyers to sign a buyer brokerage representation agreement. Starla emphasizes the importance of representation for buyers to protect their interests. The Path to Home Ownership workshop, led by HUD-certified counselors CPLC, covers budgeting, homeowners insurance, and credit improvement. The next workshop will be on Saturday, April, 5th, 2025. 

]]> Sun, 16 Mar 2025 08:00:00 -0700 Mortgage Matters Mortgage Matters 1775 Roland and Heidi discuss the Las Vegas real estate market with Starla Jordan from Coldwell Banker. The median home price in January was $485,000, with approximately 5,600 homes on the market. The average days on the market is 47 days. The National Association of Realtors' settlement in August 2024 changed how commissions are negotiated, requiring buyers to sign a buyer brokerage representation agreement. Starla emphasizes the importance of representation for buyers to protect their interests. The Path to Home Ownership workshop, led by HUD-certified counselors CPLC, covers budgeting, homeowners insurance, and credit improvement. The next workshop will be on Saturday, April, 5th, 2025. 

]]> Las Vegas mortgage, Nevada mortgage, Las Vegas down payment assistance, Nevada down payment assistance, first-time homebuyer Las Vegas, homebuyer class Las Vegas, VA loan Nevada, mortgage help Las Vegas, buying a home in Nevada No Privatizing Fannie Mae and Freddie Mac: Aaron VanTrojen on Mortgage Costs, Home Affordability, and Policy Impacts 28 28 Privatizing Fannie Mae and Freddie Mac: Aaron VanTrojen on Mortgage Costs, Home Affordability, and Policy Impacts full 73092e0c-f363-4dc0-8546-0956bc97715a https://share.transistor.fm/s/2a46663b The discussion on Mortgage Matters focused on the potential privatization of Fannie Mae and Freddie Mac. Aaron Vantrojen, CEO of Geneva Financial, explained the historical context, noting Fannie Mae's creation in 1938 and their role in providing inexpensive mortgages. He highlighted that privatization could increase interest rates, impacting home affordability. Currently, Fannie and Freddie handle about 60% of home loans. The conversation also touched on the broader implications, including potential inflation from Trump administration policies and the impact of government loans like FHA, VA, and USDA. Upcoming workshops and events for homebuyers and veterans were also mentioned.

]]> The discussion on Mortgage Matters focused on the potential privatization of Fannie Mae and Freddie Mac. Aaron Vantrojen, CEO of Geneva Financial, explained the historical context, noting Fannie Mae's creation in 1938 and their role in providing inexpensive mortgages. He highlighted that privatization could increase interest rates, impacting home affordability. Currently, Fannie and Freddie handle about 60% of home loans. The conversation also touched on the broader implications, including potential inflation from Trump administration policies and the impact of government loans like FHA, VA, and USDA. Upcoming workshops and events for homebuyers and veterans were also mentioned.

]]> Sun, 09 Mar 2025 08:00:00 -0700 Mortgage Matters Mortgage Matters 1780 The discussion on Mortgage Matters focused on the potential privatization of Fannie Mae and Freddie Mac. Aaron Vantrojen, CEO of Geneva Financial, explained the historical context, noting Fannie Mae's creation in 1938 and their role in providing inexpensive mortgages. He highlighted that privatization could increase interest rates, impacting home affordability. Currently, Fannie and Freddie handle about 60% of home loans. The conversation also touched on the broader implications, including potential inflation from Trump administration policies and the impact of government loans like FHA, VA, and USDA. Upcoming workshops and events for homebuyers and veterans were also mentioned.

]]> Las Vegas mortgage, Nevada mortgage, Las Vegas down payment assistance, Nevada down payment assistance, first-time homebuyer Las Vegas, homebuyer class Las Vegas, VA loan Nevada, mortgage help Las Vegas, buying a home in Nevada No CFPB Changes, HUD Cuts, and the Future of Consumer Protection 27 27 CFPB Changes, HUD Cuts, and the Future of Consumer Protection full ea63e7e2-1531-4fed-87a1-569af0cad66e https://share.transistor.fm/s/a3ee6249 Roland and Heidi discuss the potential impact of changes to the Consumer Financial Protection Bureau (CFPB) and HUD on the mortgage industry. Aaron VanTrojen, CEO of Geneva Financial, explains the CFPB's role in regulating the mortgage industry post-2008 financial crisis and the challenges of its current state. He highlights the necessity of consumer protection regulations and the potential risks of deregulation, including increased consumer costs and the potential for predatory lending. They also discuss the implications of HUD staffing cuts and the potential for state-level regulation, which could lead to increased compliance costs and inefficiencies.

]]> Roland and Heidi discuss the potential impact of changes to the Consumer Financial Protection Bureau (CFPB) and HUD on the mortgage industry. Aaron VanTrojen, CEO of Geneva Financial, explains the CFPB's role in regulating the mortgage industry post-2008 financial crisis and the challenges of its current state. He highlights the necessity of consumer protection regulations and the potential risks of deregulation, including increased consumer costs and the potential for predatory lending. They also discuss the implications of HUD staffing cuts and the potential for state-level regulation, which could lead to increased compliance costs and inefficiencies.

]]> Sun, 02 Mar 2025 08:00:00 -0800 Mortgage Matters Mortgage Matters 1580 Roland and Heidi discuss the potential impact of changes to the Consumer Financial Protection Bureau (CFPB) and HUD on the mortgage industry. Aaron VanTrojen, CEO of Geneva Financial, explains the CFPB's role in regulating the mortgage industry post-2008 financial crisis and the challenges of its current state. He highlights the necessity of consumer protection regulations and the potential risks of deregulation, including increased consumer costs and the potential for predatory lending. They also discuss the implications of HUD staffing cuts and the potential for state-level regulation, which could lead to increased compliance costs and inefficiencies.

]]> Las Vegas mortgage, Nevada mortgage, Las Vegas down payment assistance, Nevada down payment assistance, first-time homebuyer Las Vegas, homebuyer class Las Vegas, VA loan Nevada, mortgage help Las Vegas, buying a home in Nevada No The CFPB and Consumer Protection, Down Payment Programs, Nevada Rural Housing Mortgage Credit Certificates 26 26 The CFPB and Consumer Protection, Down Payment Programs, Nevada Rural Housing Mortgage Credit Certificates full 972fbb96-89d7-4f66-94ac-225dab41e7cb https://share.transistor.fm/s/ec7d7f50 Roland and Heidi discuss the importance of homeownership and the challenges faced by potential home buyers. They highlight the Path to Home Ownership workshop, which includes education on budgeting, mortgage processes, and credit improvement. Kevin Hickey from Nevada Rural Housing explains their programs, including down payment assistance and the Mortgage Credit Certificate (MCC), which offers a tax credit on mortgage interest. They emphasize the need for borrowers to work with approved lenders and stress the importance of fair housing and consumer protection, particularly in light of potential changes to the Consumer Financial Protection Bureau (CFPB) and HUD.

]]> Roland and Heidi discuss the importance of homeownership and the challenges faced by potential home buyers. They highlight the Path to Home Ownership workshop, which includes education on budgeting, mortgage processes, and credit improvement. Kevin Hickey from Nevada Rural Housing explains their programs, including down payment assistance and the Mortgage Credit Certificate (MCC), which offers a tax credit on mortgage interest. They emphasize the need for borrowers to work with approved lenders and stress the importance of fair housing and consumer protection, particularly in light of potential changes to the Consumer Financial Protection Bureau (CFPB) and HUD.

]]> Sun, 23 Feb 2025 08:00:00 -0800 Mortgage Matters Mortgage Matters 1763 Roland and Heidi discuss the importance of homeownership and the challenges faced by potential home buyers. They highlight the Path to Home Ownership workshop, which includes education on budgeting, mortgage processes, and credit improvement. Kevin Hickey from Nevada Rural Housing explains their programs, including down payment assistance and the Mortgage Credit Certificate (MCC), which offers a tax credit on mortgage interest. They emphasize the need for borrowers to work with approved lenders and stress the importance of fair housing and consumer protection, particularly in light of potential changes to the Consumer Financial Protection Bureau (CFPB) and HUD.

]]> Las Vegas mortgage, Nevada mortgage, Las Vegas down payment assistance, Nevada down payment assistance, first-time homebuyer Las Vegas, homebuyer class Las Vegas, VA loan Nevada, mortgage help Las Vegas, buying a home in Nevada No Mortgage Matters Spotlight on NAREB Black Realtists of Southern Nevada: Fair Housing, and Homeownership Advocacy 25 25 Mortgage Matters Spotlight on NAREB Black Realtists of Southern Nevada: Fair Housing, and Homeownership Advocacy full 61efed4c-f8d2-4480-88d4-a29633954957 https://share.transistor.fm/s/ea8231e8 Roland and Heidi are joined by the Black Realtists of Southern Nevada (NAREB) discussing its mission to promote home ownership among Black and minority communities. Special guests, including Allen Shelton, Aprille Noble, Rhonda Tolbert, and Gil Sanchez, highlighting NAREB's efforts in advocating for fair housing, providing educational resources, and organizing events to support first-time home buyers. They discuss the importance of democracy in housing, the history of NAREB, and the need for continued advocacy to address disparities in home ownership. Upcoming events include a first-time home buyer workshop on February 22 at Nevada Partners from 10 a.m. to noon.

]]> Roland and Heidi are joined by the Black Realtists of Southern Nevada (NAREB) discussing its mission to promote home ownership among Black and minority communities. Special guests, including Allen Shelton, Aprille Noble, Rhonda Tolbert, and Gil Sanchez, highlighting NAREB's efforts in advocating for fair housing, providing educational resources, and organizing events to support first-time home buyers. They discuss the importance of democracy in housing, the history of NAREB, and the need for continued advocacy to address disparities in home ownership. Upcoming events include a first-time home buyer workshop on February 22 at Nevada Partners from 10 a.m. to noon.

]]> Sun, 16 Feb 2025 08:00:00 -0800 Mortgage Matters Mortgage Matters 1647 Roland and Heidi are joined by the Black Realtists of Southern Nevada (NAREB) discussing its mission to promote home ownership among Black and minority communities. Special guests, including Allen Shelton, Aprille Noble, Rhonda Tolbert, and Gil Sanchez, highlighting NAREB's efforts in advocating for fair housing, providing educational resources, and organizing events to support first-time home buyers. They discuss the importance of democracy in housing, the history of NAREB, and the need for continued advocacy to address disparities in home ownership. Upcoming events include a first-time home buyer workshop on February 22 at Nevada Partners from 10 a.m. to noon.

]]> Las Vegas mortgage, Nevada mortgage, Las Vegas down payment assistance, Nevada down payment assistance, first-time homebuyer Las Vegas, homebuyer class Las Vegas, VA loan Nevada, mortgage help Las Vegas, buying a home in Nevada No Mortgage Matters: Building Generational Wealth, Financial Education, and Estate Planning 24 24 Mortgage Matters: Building Generational Wealth, Financial Education, and Estate Planning full aa4f04b3-b512-4e17-b1e3-3e74430c7227 https://share.transistor.fm/s/aea51378 Roland and Heidi discuss the importance of generational wealth. They emphasize the need for financial education, starting with children, and the importance of credit and life insurance in building wealth. They also highlight the challenges of probate and the necessity of estate planning.  They talk about their upcoming class on Monday, February 10, 2025, with the State of Nevada Housing Division. The class covers the home buying process and down payment assistance programs offered by the Nevada Housing Division. The programs include 2% to 5% down payment assistance, with income limits raised to $165,000 annually. K-12 teachers in Clark County School District can receive $7,500 in forgivable assistance. Upcoming classes and contact information for further assistance are provided.

]]> Roland and Heidi discuss the importance of generational wealth. They emphasize the need for financial education, starting with children, and the importance of credit and life insurance in building wealth. They also highlight the challenges of probate and the necessity of estate planning.  They talk about their upcoming class on Monday, February 10, 2025, with the State of Nevada Housing Division. The class covers the home buying process and down payment assistance programs offered by the Nevada Housing Division. The programs include 2% to 5% down payment assistance, with income limits raised to $165,000 annually. K-12 teachers in Clark County School District can receive $7,500 in forgivable assistance. Upcoming classes and contact information for further assistance are provided.

]]> Sun, 09 Feb 2025 08:00:00 -0800 Mortgage Matters Mortgage Matters 1799 Roland and Heidi discuss the importance of generational wealth. They emphasize the need for financial education, starting with children, and the importance of credit and life insurance in building wealth. They also highlight the challenges of probate and the necessity of estate planning.  They talk about their upcoming class on Monday, February 10, 2025, with the State of Nevada Housing Division. The class covers the home buying process and down payment assistance programs offered by the Nevada Housing Division. The programs include 2% to 5% down payment assistance, with income limits raised to $165,000 annually. K-12 teachers in Clark County School District can receive $7,500 in forgivable assistance. Upcoming classes and contact information for further assistance are provided.

]]> Las Vegas mortgage, Nevada mortgage, Las Vegas down payment assistance, Nevada down payment assistance, first-time homebuyer Las Vegas, homebuyer class Las Vegas, VA loan Nevada, mortgage help Las Vegas, buying a home in Nevada No Mortgage Matters: Smart Strategies for Your Tax Refund, Q&A and Upcoming Education Opportunities 23 23 Mortgage Matters: Smart Strategies for Your Tax Refund, Q&A and Upcoming Education Opportunities full 9c5385f1-358a-4f69-8d12-e418a4b2e143 https://share.transistor.fm/s/846117d4 Roland and Heidi discuss upcoming homeownership education classes and address listener questions. They highlight the importance of down payment assistance (DPA) programs, debunking myths like the need for a 20% down payment. Upcoming classes include an online DPA session on February 8 and an in-person Nevada Housing class on February 10. They also address strategies for helping adult children buy homes, such as co-signing, down payment gifts, and setting up emergency funds. Additionally, they advise using tax refunds for down payments, closing costs, and debt reduction, emphasizing the importance of emergency funds and smart home improvements.

]]> Roland and Heidi discuss upcoming homeownership education classes and address listener questions. They highlight the importance of down payment assistance (DPA) programs, debunking myths like the need for a 20% down payment. Upcoming classes include an online DPA session on February 8 and an in-person Nevada Housing class on February 10. They also address strategies for helping adult children buy homes, such as co-signing, down payment gifts, and setting up emergency funds. Additionally, they advise using tax refunds for down payments, closing costs, and debt reduction, emphasizing the importance of emergency funds and smart home improvements.

]]> Sun, 02 Feb 2025 08:00:00 -0800 Mortgage Matters Mortgage Matters 1509 Roland and Heidi discuss upcoming homeownership education classes and address listener questions. They highlight the importance of down payment assistance (DPA) programs, debunking myths like the need for a 20% down payment. Upcoming classes include an online DPA session on February 8 and an in-person Nevada Housing class on February 10. They also address strategies for helping adult children buy homes, such as co-signing, down payment gifts, and setting up emergency funds. Additionally, they advise using tax refunds for down payments, closing costs, and debt reduction, emphasizing the importance of emergency funds and smart home improvements.

]]> Las Vegas mortgage, Nevada mortgage, Las Vegas down payment assistance, Nevada down payment assistance, first-time homebuyer Las Vegas, homebuyer class Las Vegas, VA loan Nevada, mortgage help Las Vegas, buying a home in Nevada No Mortgage Matters: Mortgage Q&A, Home Buying Tips, and Upcoming Homebuyer Education Opportunities 22 22 Mortgage Matters: Mortgage Q&A, Home Buying Tips, and Upcoming Homebuyer Education Opportunities full 679c7092-52a3-4531-9049-9a0531a54f99 https://share.transistor.fm/s/8a924c37 Roland and Heidi discuss the upcoming HUD-certified home ownership workshop on February 1, 2025, at CPLC from 8:30am to 3pm. They address Quincy's question about whether to buy a home now or wait for lower interest rates, emphasizing that while rates are higher, home prices may also be lower compared to 2023. They debunk mortgage myths, such as the need for a 20% down payment, and explain the importance of understanding good and bad debt. They highlight the impact of high-interest credit cards and payday loans on credit scores and mortgage approval. Registration details for the workshop are available at 702-210-2057 or on their Facebook page at Mortgage Matters Radio

]]> Roland and Heidi discuss the upcoming HUD-certified home ownership workshop on February 1, 2025, at CPLC from 8:30am to 3pm. They address Quincy's question about whether to buy a home now or wait for lower interest rates, emphasizing that while rates are higher, home prices may also be lower compared to 2023. They debunk mortgage myths, such as the need for a 20% down payment, and explain the importance of understanding good and bad debt. They highlight the impact of high-interest credit cards and payday loans on credit scores and mortgage approval. Registration details for the workshop are available at 702-210-2057 or on their Facebook page at Mortgage Matters Radio

]]> Sun, 26 Jan 2025 08:00:00 -0800 Mortgage Matters Mortgage Matters 1774 Roland and Heidi discuss the upcoming HUD-certified home ownership workshop on February 1, 2025, at CPLC from 8:30am to 3pm. They address Quincy's question about whether to buy a home now or wait for lower interest rates, emphasizing that while rates are higher, home prices may also be lower compared to 2023. They debunk mortgage myths, such as the need for a 20% down payment, and explain the importance of understanding good and bad debt. They highlight the impact of high-interest credit cards and payday loans on credit scores and mortgage approval. Registration details for the workshop are available at 702-210-2057 or on their Facebook page at Mortgage Matters Radio

]]> Las Vegas mortgage, Nevada mortgage, Las Vegas down payment assistance, Nevada down payment assistance, first-time homebuyer Las Vegas, homebuyer class Las Vegas, VA loan Nevada, mortgage help Las Vegas, buying a home in Nevada No Upcoming Homeownership Classes, Using Your 401K & Understanding Closing Costs 21 21 Upcoming Homeownership Classes, Using Your 401K & Understanding Closing Costs full 70b2e231-6cc8-4c67-a408-941912f925c5 https://share.transistor.fm/s/613d85f8 Roland and Heidi highlight upcoming homebuyer opportunities, including an online class with the Nevada Housing Division on Thursday, January 23, from 4-5 pm, and the Path to Homeownership Workshop on Saturday, February 1, from 8:30 am to 3 pm with CPLC. They discuss the advantages of using your 401(k) as an asset to help with down payment or closing costs and answer listener Cynthia’s Question of the Week: “What are closing costs?” They also explore the Mortgage Credit Certificate from Nevada Rural Housing, which reduces tax liability and potentially helps homebuyers qualify for more. Upcoming classes and contact information for registration are provided.

]]> Roland and Heidi highlight upcoming homebuyer opportunities, including an online class with the Nevada Housing Division on Thursday, January 23, from 4-5 pm, and the Path to Homeownership Workshop on Saturday, February 1, from 8:30 am to 3 pm with CPLC. They discuss the advantages of using your 401(k) as an asset to help with down payment or closing costs and answer listener Cynthia’s Question of the Week: “What are closing costs?” They also explore the Mortgage Credit Certificate from Nevada Rural Housing, which reduces tax liability and potentially helps homebuyers qualify for more. Upcoming classes and contact information for registration are provided.

]]> Sun, 19 Jan 2025 08:00:00 -0800 Mortgage Matters Mortgage Matters 1799 Roland and Heidi highlight upcoming homebuyer opportunities, including an online class with the Nevada Housing Division on Thursday, January 23, from 4-5 pm, and the Path to Homeownership Workshop on Saturday, February 1, from 8:30 am to 3 pm with CPLC. They discuss the advantages of using your 401(k) as an asset to help with down payment or closing costs and answer listener Cynthia’s Question of the Week: “What are closing costs?” They also explore the Mortgage Credit Certificate from Nevada Rural Housing, which reduces tax liability and potentially helps homebuyers qualify for more. Upcoming classes and contact information for registration are provided.

]]> Las Vegas mortgage, Nevada mortgage, Las Vegas down payment assistance, Nevada down payment assistance, first-time homebuyer Las Vegas, homebuyer class Las Vegas, VA loan Nevada, mortgage help Las Vegas, buying a home in Nevada No Navigating Homeownership: Strategies for Self-Employed Borrowers and Resources from Nevada Rural Housing 20 20 Navigating Homeownership: Strategies for Self-Employed Borrowers and Resources from Nevada Rural Housing full 1d652dab-f8ac-4efe-9f5a-763c87cd63ff https://share.transistor.fm/s/67749abf Roland and Heidi discuss strategies for self-employed individuals like truck drivers to qualify for home loans, emphasizing the use of tax returns and potential bank statement loans. They introduce Kevin Hickey from Nevada Rural Housing, highlighting his role and the agency's programs. Nevada Rural Housing offers down payment assistance up to 3% and a 6.17% interest rate through the Launch Pad program, which is forgivable after five years. They also discuss the Mortgage Credit Certificate, which provides a tax credit for mortgage interest, potentially saving borrowers thousands annually. Upcoming classes and contact information for registration are provided.

]]> Roland and Heidi discuss strategies for self-employed individuals like truck drivers to qualify for home loans, emphasizing the use of tax returns and potential bank statement loans. They introduce Kevin Hickey from Nevada Rural Housing, highlighting his role and the agency's programs. Nevada Rural Housing offers down payment assistance up to 3% and a 6.17% interest rate through the Launch Pad program, which is forgivable after five years. They also discuss the Mortgage Credit Certificate, which provides a tax credit for mortgage interest, potentially saving borrowers thousands annually. Upcoming classes and contact information for registration are provided.

]]> Sun, 12 Jan 2025 08:00:00 -0800 Mortgage Matters Mortgage Matters 1790 Roland and Heidi discuss strategies for self-employed individuals like truck drivers to qualify for home loans, emphasizing the use of tax returns and potential bank statement loans. They introduce Kevin Hickey from Nevada Rural Housing, highlighting his role and the agency's programs. Nevada Rural Housing offers down payment assistance up to 3% and a 6.17% interest rate through the Launch Pad program, which is forgivable after five years. They also discuss the Mortgage Credit Certificate, which provides a tax credit for mortgage interest, potentially saving borrowers thousands annually. Upcoming classes and contact information for registration are provided.

]]> Las Vegas mortgage, Nevada mortgage, Las Vegas down payment assistance, Nevada down payment assistance, first-time homebuyer Las Vegas, homebuyer class Las Vegas, VA loan Nevada, mortgage help Las Vegas, buying a home in Nevada No Mortgage Matters: Guiding the Path- 25 in 2025 19 19 Mortgage Matters: Guiding the Path- 25 in 2025 full 6284d1c1-2451-400b-b4d7-d5effdab8fed https://share.transistor.fm/s/057b52db Roland and Heidi discussed upcoming homeownership workshops and classes. The first Path to Home Ownership workshop of 2025 was held on January 1, with the next scheduled for February 1. Additional classes include a session on down payment assistance programs on January 13 and an online class on January 23. They emphasized the importance of HUD counselors and down payment assistance, which can help first-time and experienced buyers. They also highlighted the benefits of VA loans, including no down payment and no monthly mortgage insurance for eligible veterans. The conversation concluded with a brief mention of refinancing options and their potential benefits.

]]> Roland and Heidi discussed upcoming homeownership workshops and classes. The first Path to Home Ownership workshop of 2025 was held on January 1, with the next scheduled for February 1. Additional classes include a session on down payment assistance programs on January 13 and an online class on January 23. They emphasized the importance of HUD counselors and down payment assistance, which can help first-time and experienced buyers. They also highlighted the benefits of VA loans, including no down payment and no monthly mortgage insurance for eligible veterans. The conversation concluded with a brief mention of refinancing options and their potential benefits.

]]> Sun, 05 Jan 2025 08:00:00 -0800 Mortgage Matters Mortgage Matters 1781 Roland and Heidi discussed upcoming homeownership workshops and classes. The first Path to Home Ownership workshop of 2025 was held on January 1, with the next scheduled for February 1. Additional classes include a session on down payment assistance programs on January 13 and an online class on January 23. They emphasized the importance of HUD counselors and down payment assistance, which can help first-time and experienced buyers. They also highlighted the benefits of VA loans, including no down payment and no monthly mortgage insurance for eligible veterans. The conversation concluded with a brief mention of refinancing options and their potential benefits.

]]> Las Vegas mortgage, Nevada mortgage, Las Vegas down payment assistance, Nevada down payment assistance, first-time homebuyer Las Vegas, homebuyer class Las Vegas, VA loan Nevada, mortgage help Las Vegas, buying a home in Nevada No Mortgage Matters: Financial Strategies, Home Ownership, and Wealth Building for 2025 18 18 Mortgage Matters: Financial Strategies, Home Ownership, and Wealth Building for 2025 full 0b653bc3-e035-4037-9737-2a4e0189252a https://share.transistor.fm/s/d6d1b23d In the final episode of 2024, Roland and Heidi discuss strategies for financial planning in the upcoming year. They highlight upcoming workshops, including a Path to Home Ownership workshop on January 4th and a Down Payment Assistance class on January 13th. They emphasize the importance of building generational wealth through home ownership and the benefits of starting an emergency fund. They also discuss leveraging unclaimed property and side hustles to boost income. Despite the unpredictability of the housing market, they advise considering home purchases now to lock in current prices and build equity. They conclude by thanking listeners and wishing them a prosperous 2025.

]]> In the final episode of 2024, Roland and Heidi discuss strategies for financial planning in the upcoming year. They highlight upcoming workshops, including a Path to Home Ownership workshop on January 4th and a Down Payment Assistance class on January 13th. They emphasize the importance of building generational wealth through home ownership and the benefits of starting an emergency fund. They also discuss leveraging unclaimed property and side hustles to boost income. Despite the unpredictability of the housing market, they advise considering home purchases now to lock in current prices and build equity. They conclude by thanking listeners and wishing them a prosperous 2025.

]]> Sun, 29 Dec 2024 08:00:00 -0800 Mortgage Matters Mortgage Matters 1772 In the final episode of 2024, Roland and Heidi discuss strategies for financial planning in the upcoming year. They highlight upcoming workshops, including a Path to Home Ownership workshop on January 4th and a Down Payment Assistance class on January 13th. They emphasize the importance of building generational wealth through home ownership and the benefits of starting an emergency fund. They also discuss leveraging unclaimed property and side hustles to boost income. Despite the unpredictability of the housing market, they advise considering home purchases now to lock in current prices and build equity. They conclude by thanking listeners and wishing them a prosperous 2025.

]]> Las Vegas mortgage, Nevada mortgage, Las Vegas down payment assistance, Nevada down payment assistance, first-time homebuyer Las Vegas, homebuyer class Las Vegas, VA loan Nevada, mortgage help Las Vegas, buying a home in Nevada No Empowering Homeowners: Mortgage Advice, Down Payment Assistance, and Affordable Clean Energy Solutions 17 17 Empowering Homeowners: Mortgage Advice, Down Payment Assistance, and Affordable Clean Energy Solutions full c8ab83ce-e78c-477c-b881-447ea5cdc9c4 https://share.transistor.fm/s/7e710708 Roland and Heidi discuss upcoming homebuyer education classes, including a workshop on January 4 and a class on January 13 at the Whitney Library, which will cover down payment assistance programs. They introduce Rhonda Tolbert and Janette Zambrano from Nevada Clean Energy Fund, who explain their programs to help homeowners with energy efficiency and solar installations. The fund offers budget-based financing for air conditioning, heating, insulation, and solar, with loans based on disposable income rather than credit score. They also discuss the Solar for All program, which aims to bring solar energy to low-income households and create 900 jobs in Nevada over five years. Contact information for the Nevada Clean Energy Fund is provided.

]]> Roland and Heidi discuss upcoming homebuyer education classes, including a workshop on January 4 and a class on January 13 at the Whitney Library, which will cover down payment assistance programs. They introduce Rhonda Tolbert and Janette Zambrano from Nevada Clean Energy Fund, who explain their programs to help homeowners with energy efficiency and solar installations. The fund offers budget-based financing for air conditioning, heating, insulation, and solar, with loans based on disposable income rather than credit score. They also discuss the Solar for All program, which aims to bring solar energy to low-income households and create 900 jobs in Nevada over five years. Contact information for the Nevada Clean Energy Fund is provided.

]]> Sun, 22 Dec 2024 08:00:00 -0800 Mortgage Matters Mortgage Matters 1797 Roland and Heidi discuss upcoming homebuyer education classes, including a workshop on January 4 and a class on January 13 at the Whitney Library, which will cover down payment assistance programs. They introduce Rhonda Tolbert and Janette Zambrano from Nevada Clean Energy Fund, who explain their programs to help homeowners with energy efficiency and solar installations. The fund offers budget-based financing for air conditioning, heating, insulation, and solar, with loans based on disposable income rather than credit score. They also discuss the Solar for All program, which aims to bring solar energy to low-income households and create 900 jobs in Nevada over five years. Contact information for the Nevada Clean Energy Fund is provided.

]]> Las Vegas mortgage, Nevada mortgage, Las Vegas down payment assistance, Nevada down payment assistance, first-time homebuyer Las Vegas, homebuyer class Las Vegas, VA loan Nevada, mortgage help Las Vegas, buying a home in Nevada No Mortgage Matters: Workshops, Financial Planning, Seller Credits & Upcoming Events 16 16 Mortgage Matters: Workshops, Financial Planning, Seller Credits & Upcoming Events full a8316335-4402-47aa-8693-d815f5d40797 https://share.transistor.fm/s/1a5fdf5f Roland and Heidi discussed the success of their December Path to Home Ownership workshop, which saw a full room and provided attendees with home buyer education certificates. Upcoming workshops are scheduled for January 4 and January 13. They highlighted the Clark County School District's Title 1 Homeless Outreach Program, which supports 13,000 homeless students. The hosts emphasized the importance of financial planning, including checking credit reports, setting savings goals, and considering cash-out refinancing to leverage home equity. They also explained the benefits of seller credits and down payment assistance programs in reducing out-of-pocket costs for home buyers.

]]> Roland and Heidi discussed the success of their December Path to Home Ownership workshop, which saw a full room and provided attendees with home buyer education certificates. Upcoming workshops are scheduled for January 4 and January 13. They highlighted the Clark County School District's Title 1 Homeless Outreach Program, which supports 13,000 homeless students. The hosts emphasized the importance of financial planning, including checking credit reports, setting savings goals, and considering cash-out refinancing to leverage home equity. They also explained the benefits of seller credits and down payment assistance programs in reducing out-of-pocket costs for home buyers.

]]> Sun, 15 Dec 2024 08:00:00 -0800 Mortgage Matters Mortgage Matters 1799 Roland and Heidi discussed the success of their December Path to Home Ownership workshop, which saw a full room and provided attendees with home buyer education certificates. Upcoming workshops are scheduled for January 4 and January 13. They highlighted the Clark County School District's Title 1 Homeless Outreach Program, which supports 13,000 homeless students. The hosts emphasized the importance of financial planning, including checking credit reports, setting savings goals, and considering cash-out refinancing to leverage home equity. They also explained the benefits of seller credits and down payment assistance programs in reducing out-of-pocket costs for home buyers.

]]> Las Vegas mortgage, Nevada mortgage, Las Vegas down payment assistance, Nevada down payment assistance, first-time homebuyer Las Vegas, homebuyer class Las Vegas, VA loan Nevada, mortgage help Las Vegas, buying a home in Nevada No Mortgage Matters: Maximizing VA Loans, Benefits, Myths Debunked, and Financial Tips for 2025 15 15 Mortgage Matters: Maximizing VA Loans, Benefits, Myths Debunked, and Financial Tips for 2025 full 09026781-0085-4336-b8cf-c0fde5d7b4aa https://share.transistor.fm/s/6ade877e Heidi discusses VA loans, highlighting their benefits for veterans, including zero down payment, no mortgage insurance, and competitive interest rates.  Myths about VA loans, such as complexity and higher fees for sellers, are debunked. Heidi also explains mortgage insurance for conventional and FHA loans, contrasting it with VA loans. Additionally, she provides tips on setting financial goals for 2025, emphasizing specificity and measurability. The episode concludes with advice on budgeting using the 50/30/20 rule and protecting earnest money deposits through contingencies in purchase agreements.

]]> Heidi discusses VA loans, highlighting their benefits for veterans, including zero down payment, no mortgage insurance, and competitive interest rates.  Myths about VA loans, such as complexity and higher fees for sellers, are debunked. Heidi also explains mortgage insurance for conventional and FHA loans, contrasting it with VA loans. Additionally, she provides tips on setting financial goals for 2025, emphasizing specificity and measurability. The episode concludes with advice on budgeting using the 50/30/20 rule and protecting earnest money deposits through contingencies in purchase agreements.

]]> Sun, 08 Dec 2024 08:00:00 -0800 Mortgage Matters Mortgage Matters 1606 Heidi discusses VA loans, highlighting their benefits for veterans, including zero down payment, no mortgage insurance, and competitive interest rates.  Myths about VA loans, such as complexity and higher fees for sellers, are debunked. Heidi also explains mortgage insurance for conventional and FHA loans, contrasting it with VA loans. Additionally, she provides tips on setting financial goals for 2025, emphasizing specificity and measurability. The episode concludes with advice on budgeting using the 50/30/20 rule and protecting earnest money deposits through contingencies in purchase agreements.

]]> Las Vegas mortgage, Nevada mortgage, Las Vegas down payment assistance, Nevada down payment assistance, first-time homebuyer Las Vegas, homebuyer class Las Vegas, VA loan Nevada, mortgage help Las Vegas, buying a home in Nevada No Planning for Homeownership in 2025: Budgeting, Assistance Programs, and Holiday Spending Tips 14 14 Planning for Homeownership in 2025: Budgeting, Assistance Programs, and Holiday Spending Tips full 134eaaf4-d6ed-4883-aee6-d57228b94ec5 https://share.transistor.fm/s/12f76bba Heidi discusses the importance of planning for homeownership in 2025. She highlights down payment assistance programs like Nevada Housing Division and Nevada Rural Housing, which can help cover costs. Griffith emphasizes the need for a solid budget, financial discipline, and understanding credit scores. She advises against overspending during the holidays to avoid debt that could impact mortgage qualifications. Griffith also promotes an upcoming HUD-certified workshop on December 7 to provide comprehensive guidance on homeownership. She shares a success story of a family who bought their first home together and encourages listeners to set clear goals and take small steps towards their dream home.

]]> Heidi discusses the importance of planning for homeownership in 2025. She highlights down payment assistance programs like Nevada Housing Division and Nevada Rural Housing, which can help cover costs. Griffith emphasizes the need for a solid budget, financial discipline, and understanding credit scores. She advises against overspending during the holidays to avoid debt that could impact mortgage qualifications. Griffith also promotes an upcoming HUD-certified workshop on December 7 to provide comprehensive guidance on homeownership. She shares a success story of a family who bought their first home together and encourages listeners to set clear goals and take small steps towards their dream home.

]]> Sun, 01 Dec 2024 08:11:54 -0800 Mortgage Matters Mortgage Matters 1549 Heidi discusses the importance of planning for homeownership in 2025. She highlights down payment assistance programs like Nevada Housing Division and Nevada Rural Housing, which can help cover costs. Griffith emphasizes the need for a solid budget, financial discipline, and understanding credit scores. She advises against overspending during the holidays to avoid debt that could impact mortgage qualifications. Griffith also promotes an upcoming HUD-certified workshop on December 7 to provide comprehensive guidance on homeownership. She shares a success story of a family who bought their first home together and encourages listeners to set clear goals and take small steps towards their dream home.

]]> Las Vegas mortgage, Nevada mortgage, Las Vegas down payment assistance, Nevada down payment assistance, first-time homebuyer Las Vegas, homebuyer class Las Vegas, VA loan Nevada, mortgage help Las Vegas, buying a home in Nevada No Mortgage Matters: Breaking the Rent Trap, Wealth Building, and Overcoming Buying Fears 13 13 Mortgage Matters: Breaking the Rent Trap, Wealth Building, and Overcoming Buying Fears full ebec2762-a216-4eee-9fdb-86ff60c5cd93 https://share.transistor.fm/s/c8e55449 Roland and Heidi discuss the benefits of home ownership versus renting in Las Vegas, highlighting a 40% increase in average rent from $1,190 in 2019 to nearly $2,100 today. They emphasize the financial advantages of home ownership, such as building equity and wealth, with homeowners' net worth being nearly 40 times that of renters. They also address common fears about buying, such as market uncertainty and credit concerns, and provide tips for improving credit scores. Additionally, they promote an upcoming homeownership workshop on December 7, 2024, and discuss down payment assistance programs, debunking myths and encouraging potential buyers to explore available resources.

]]> Roland and Heidi discuss the benefits of home ownership versus renting in Las Vegas, highlighting a 40% increase in average rent from $1,190 in 2019 to nearly $2,100 today. They emphasize the financial advantages of home ownership, such as building equity and wealth, with homeowners' net worth being nearly 40 times that of renters. They also address common fears about buying, such as market uncertainty and credit concerns, and provide tips for improving credit scores. Additionally, they promote an upcoming homeownership workshop on December 7, 2024, and discuss down payment assistance programs, debunking myths and encouraging potential buyers to explore available resources.

]]> Mon, 25 Nov 2024 13:00:55 -0800 Mortgage Matters Mortgage Matters 1714 Roland and Heidi discuss the benefits of home ownership versus renting in Las Vegas, highlighting a 40% increase in average rent from $1,190 in 2019 to nearly $2,100 today. They emphasize the financial advantages of home ownership, such as building equity and wealth, with homeowners' net worth being nearly 40 times that of renters. They also address common fears about buying, such as market uncertainty and credit concerns, and provide tips for improving credit scores. Additionally, they promote an upcoming homeownership workshop on December 7, 2024, and discuss down payment assistance programs, debunking myths and encouraging potential buyers to explore available resources.

]]> Las Vegas mortgage, Nevada mortgage, Las Vegas down payment assistance, Nevada down payment assistance, first-time homebuyer Las Vegas, homebuyer class Las Vegas, VA loan Nevada, mortgage help Las Vegas, buying a home in Nevada No Mortgage Matters: The Benefits of Seller Credits, Homeownership Tools and Financial Literacy 12 12 Mortgage Matters: The Benefits of Seller Credits, Homeownership Tools and Financial Literacy full 3b5d3849-6dc4-457a-9901-a518e3c308e1 https://share.transistor.fm/s/813c261c Roland and Heidi discuss their mission to help clients achieve home ownership and financial stability. They emphasize the importance of education and financial literacy in navigating the home buying process. They highlight tools like seller credits, which can significantly reduce upfront costs, and down payment assistance programs that make homeownership more accessible. The advisors also stress the role of credit improvement and the availability of resources for those facing foreclosure or financial challenges. Contact details for further assistance are provided.

]]> Roland and Heidi discuss their mission to help clients achieve home ownership and financial stability. They emphasize the importance of education and financial literacy in navigating the home buying process. They highlight tools like seller credits, which can significantly reduce upfront costs, and down payment assistance programs that make homeownership more accessible. The advisors also stress the role of credit improvement and the availability of resources for those facing foreclosure or financial challenges. Contact details for further assistance are provided.

]]> Sun, 17 Nov 2024 08:07:00 -0800 Mortgage Matters Mortgage Matters 1286 Roland and Heidi discuss their mission to help clients achieve home ownership and financial stability. They emphasize the importance of education and financial literacy in navigating the home buying process. They highlight tools like seller credits, which can significantly reduce upfront costs, and down payment assistance programs that make homeownership more accessible. The advisors also stress the role of credit improvement and the availability of resources for those facing foreclosure or financial challenges. Contact details for further assistance are provided.

]]> Las Vegas mortgage, Nevada mortgage, Las Vegas down payment assistance, Nevada down payment assistance, first-time homebuyer Las Vegas, homebuyer class Las Vegas, VA loan Nevada, mortgage help Las Vegas, buying a home in Nevada No Mortgage Matters: Financial Preparedness and Long-Term Planning 11 11 Mortgage Matters: Financial Preparedness and Long-Term Planning full e6b7739e-7408-4441-8e56-88dd935b35e6 https://share.transistor.fm/s/7623d9e0 Roland and Heidi discuss upcoming down payment assistance classes with the Nevada Housing Division (Friday 11/15/24) and Nevada Rural Housing (Monday, 11/18/24). Both classes take place from 11am-noon, and lunch is provided. The show emphasizes the importance of understanding WHY one wants to buy a home. They advise potential buyers to consider their long-term goals, budget, and the additional costs of homeownership, such as maintenance and property taxes. Pre-approval for a mortgage is recommended before house hunting to set a realistic price range.

]]> Roland and Heidi discuss upcoming down payment assistance classes with the Nevada Housing Division (Friday 11/15/24) and Nevada Rural Housing (Monday, 11/18/24). Both classes take place from 11am-noon, and lunch is provided. The show emphasizes the importance of understanding WHY one wants to buy a home. They advise potential buyers to consider their long-term goals, budget, and the additional costs of homeownership, such as maintenance and property taxes. Pre-approval for a mortgage is recommended before house hunting to set a realistic price range.

]]> Sun, 10 Nov 2024 08:00:00 -0800 Mortgage Matters Mortgage Matters 1778 Roland and Heidi discuss upcoming down payment assistance classes with the Nevada Housing Division (Friday 11/15/24) and Nevada Rural Housing (Monday, 11/18/24). Both classes take place from 11am-noon, and lunch is provided. The show emphasizes the importance of understanding WHY one wants to buy a home. They advise potential buyers to consider their long-term goals, budget, and the additional costs of homeownership, such as maintenance and property taxes. Pre-approval for a mortgage is recommended before house hunting to set a realistic price range.

]]> Las Vegas mortgage, Nevada mortgage, Las Vegas down payment assistance, Nevada down payment assistance, first-time homebuyer Las Vegas, homebuyer class Las Vegas, VA loan Nevada, mortgage help Las Vegas, buying a home in Nevada No Mortgage Matters: Boosting Your Credit- Key Insights on Scores, Assistance Programs, and Credit Strategies 10 10 Mortgage Matters: Boosting Your Credit- Key Insights on Scores, Assistance Programs, and Credit Strategies full 1c9e6e0e-b052-4a9e-a58b-f5ebe24385e6 https://share.transistor.fm/s/c83f6897 Roland and Heidi discuss the importance of credit scores. They highlight upcoming classes on down payment assistance, including one on November 15 and another on November 18, both offering home buyer education certificates. They emphasize the need to check annual credit reports from Experian, Equifax, and TransUnion and monitor credit scores using services like Experian.com. They explain the significance of credit utilization, aiming for 30% or below, and the impact of late payments. They also discuss strategies for improving scores, such as paying bills early and negotiating with creditors to remove collections.

]]> Roland and Heidi discuss the importance of credit scores. They highlight upcoming classes on down payment assistance, including one on November 15 and another on November 18, both offering home buyer education certificates. They emphasize the need to check annual credit reports from Experian, Equifax, and TransUnion and monitor credit scores using services like Experian.com. They explain the significance of credit utilization, aiming for 30% or below, and the impact of late payments. They also discuss strategies for improving scores, such as paying bills early and negotiating with creditors to remove collections.

]]> Sun, 03 Nov 2024 07:31:41 -0800 Mortgage Matters Mortgage Matters 1799 Roland and Heidi discuss the importance of credit scores. They highlight upcoming classes on down payment assistance, including one on November 15 and another on November 18, both offering home buyer education certificates. They emphasize the need to check annual credit reports from Experian, Equifax, and TransUnion and monitor credit scores using services like Experian.com. They explain the significance of credit utilization, aiming for 30% or below, and the impact of late payments. They also discuss strategies for improving scores, such as paying bills early and negotiating with creditors to remove collections.

]]> Las Vegas mortgage, Nevada mortgage, Las Vegas down payment assistance, Nevada down payment assistance, first-time homebuyer Las Vegas, homebuyer class Las Vegas, VA loan Nevada, mortgage help Las Vegas, buying a home in Nevada No Mortgage Matters: Frequently Asked Mortgage Questions You Didn't Know You Needed to Know 9 9 Mortgage Matters: Frequently Asked Mortgage Questions You Didn't Know You Needed to Know full 78c7d510-e0f3-4ee3-9658-d0ed076ab97d https://share.transistor.fm/s/4b9166f4 Roland and Heidi discuss the importance of voting and announce an upcoming homebuyer education class on November 2nd, in collaboration with CPLC. The class, from 8:30 am to 3:00 pm, covers home ownership, budgeting, and credit, and includes a raffle for UNLV football tickets. They emphasize the difference between pre-qualification and pre-approval, highlighting that pre-approval involves thorough verification and is more reliable. They also discuss additional home buying costs such as earnest money deposits, home inspections, appraisals, and closing costs, which typically amount to 4% of the purchase price. 

]]> Roland and Heidi discuss the importance of voting and announce an upcoming homebuyer education class on November 2nd, in collaboration with CPLC. The class, from 8:30 am to 3:00 pm, covers home ownership, budgeting, and credit, and includes a raffle for UNLV football tickets. They emphasize the difference between pre-qualification and pre-approval, highlighting that pre-approval involves thorough verification and is more reliable. They also discuss additional home buying costs such as earnest money deposits, home inspections, appraisals, and closing costs, which typically amount to 4% of the purchase price. 

]]> Sat, 02 Nov 2024 06:23:42 -0700 Mortgage Matters Mortgage Matters 1553 Roland and Heidi discuss the importance of voting and announce an upcoming homebuyer education class on November 2nd, in collaboration with CPLC. The class, from 8:30 am to 3:00 pm, covers home ownership, budgeting, and credit, and includes a raffle for UNLV football tickets. They emphasize the difference between pre-qualification and pre-approval, highlighting that pre-approval involves thorough verification and is more reliable. They also discuss additional home buying costs such as earnest money deposits, home inspections, appraisals, and closing costs, which typically amount to 4% of the purchase price. 

]]> Las Vegas mortgage, Nevada mortgage, Las Vegas down payment assistance, Nevada down payment assistance, first-time homebuyer Las Vegas, homebuyer class Las Vegas, VA loan Nevada, mortgage help Las Vegas, buying a home in Nevada No Mortgage Matters: Homeownership and Energy Savings- Insights with Nevada Clean Energy Fund 8 8 Mortgage Matters: Homeownership and Energy Savings- Insights with Nevada Clean Energy Fund full b8403e38-5338-4c79-a686-8a5bb75e593b https://share.transistor.fm/s/9e45477f Roland and Heidi discuss upcoming events and classes on down payment assistance and homeownership education. They introduce Will Pregmen and Rhonda Tolbert from the Nevada Clean Energy Fund, which helps Nevadans save on energy costs and improve home efficiency. The fund offers loans for energy upgrades, including air conditioning, plumbing, solar, and weatherization. They also announced a new energy audit forgivable loan program. Contact details for further information are provided.

]]> Roland and Heidi discuss upcoming events and classes on down payment assistance and homeownership education. They introduce Will Pregmen and Rhonda Tolbert from the Nevada Clean Energy Fund, which helps Nevadans save on energy costs and improve home efficiency. The fund offers loans for energy upgrades, including air conditioning, plumbing, solar, and weatherization. They also announced a new energy audit forgivable loan program. Contact details for further information are provided.

]]> Sun, 20 Oct 2024 08:00:00 -0700 Mortgage Matters Mortgage Matters 1762 Roland and Heidi discuss upcoming events and classes on down payment assistance and homeownership education. They introduce Will Pregmen and Rhonda Tolbert from the Nevada Clean Energy Fund, which helps Nevadans save on energy costs and improve home efficiency. The fund offers loans for energy upgrades, including air conditioning, plumbing, solar, and weatherization. They also announced a new energy audit forgivable loan program. Contact details for further information are provided.

]]> Las Vegas mortgage, Nevada mortgage, Las Vegas down payment assistance, Nevada down payment assistance, first-time homebuyer Las Vegas, homebuyer class Las Vegas, VA loan Nevada, mortgage help Las Vegas, buying a home in Nevada No Mortgage Matters: Understanding Property Valuation and Taxation with Clark County Assessor Briana Johnson 7 7 Mortgage Matters: Understanding Property Valuation and Taxation with Clark County Assessor Briana Johnson full ef74ba64-84b5-40c3-8b63-dddab8ac963c https://share.transistor.fm/s/87441cf7 Roland and Heidi welcome Briana Johnson, Clark County Assessor, who explains the role of the assessor's office in valuing and taxing properties. Johnson highlights the office's mission to perform accurate and equitable assessments, covering over 830,000 parcels, including 750,000 residential parcels. She details the process of valuing properties, the importance of the 3% tax cap for primary residences, and the impact of new home construction on property taxes. Contact information for the assessor's office is provided for further inquiries.

]]> Roland and Heidi welcome Briana Johnson, Clark County Assessor, who explains the role of the assessor's office in valuing and taxing properties. Johnson highlights the office's mission to perform accurate and equitable assessments, covering over 830,000 parcels, including 750,000 residential parcels. She details the process of valuing properties, the importance of the 3% tax cap for primary residences, and the impact of new home construction on property taxes. Contact information for the assessor's office is provided for further inquiries.

]]> Sun, 13 Oct 2024 08:00:00 -0700 Mortgage Matters Mortgage Matters 1777 Roland and Heidi welcome Briana Johnson, Clark County Assessor, who explains the role of the assessor's office in valuing and taxing properties. Johnson highlights the office's mission to perform accurate and equitable assessments, covering over 830,000 parcels, including 750,000 residential parcels. She details the process of valuing properties, the importance of the 3% tax cap for primary residences, and the impact of new home construction on property taxes. Contact information for the assessor's office is provided for further inquiries.

]]> Las Vegas mortgage, Nevada mortgage, Las Vegas down payment assistance, Nevada down payment assistance, first-time homebuyer Las Vegas, homebuyer class Las Vegas, VA loan Nevada, mortgage help Las Vegas, buying a home in Nevada No Understanding Down Payment Assistance: Insights on Launchpad 1.0 and Home at Last Programs with Kevin Hickey 6 6 Understanding Down Payment Assistance: Insights on Launchpad 1.0 and Home at Last Programs with Kevin Hickey full bec9074a-fa79-440c-ab04-8eaa380533f9 https://share.transistor.fm/s/9b073d72 Roland and Heidi discuss upcoming classes on down payment assistance and introduce Kevin Hickey from Nevada Rural Housing. Kevin explains the Launchpad 1.0 program, which offers 4% down payment assistance with a 6.17% interest rate and a five-year silent second. The program has $7 million remaining out of an initial $25 million. He also details the Home at Last program, which provides up to 4% assistance and is not limited by funding. Both programs have income limits and eligibility criteria. Additionally, Kevin mentions the Mortgage Credit Certificate program, which offers tax credits to help borrowers qualify for loans.

]]> Roland and Heidi discuss upcoming classes on down payment assistance and introduce Kevin Hickey from Nevada Rural Housing. Kevin explains the Launchpad 1.0 program, which offers 4% down payment assistance with a 6.17% interest rate and a five-year silent second. The program has $7 million remaining out of an initial $25 million. He also details the Home at Last program, which provides up to 4% assistance and is not limited by funding. Both programs have income limits and eligibility criteria. Additionally, Kevin mentions the Mortgage Credit Certificate program, which offers tax credits to help borrowers qualify for loans.

]]> Sun, 06 Oct 2024 08:00:00 -0700 Mortgage Matters Mortgage Matters 1771 Roland and Heidi discuss upcoming classes on down payment assistance and introduce Kevin Hickey from Nevada Rural Housing. Kevin explains the Launchpad 1.0 program, which offers 4% down payment assistance with a 6.17% interest rate and a five-year silent second. The program has $7 million remaining out of an initial $25 million. He also details the Home at Last program, which provides up to 4% assistance and is not limited by funding. Both programs have income limits and eligibility criteria. Additionally, Kevin mentions the Mortgage Credit Certificate program, which offers tax credits to help borrowers qualify for loans.

]]> Las Vegas mortgage, Nevada mortgage, Las Vegas down payment assistance, Nevada down payment assistance, first-time homebuyer Las Vegas, homebuyer class Las Vegas, VA loan Nevada, mortgage help Las Vegas, buying a home in Nevada No Mortgage Matters: Comprehensive Homebuyer Strategies—Understanding DPA, Refinancing, and Market Trends 5 5 Mortgage Matters: Comprehensive Homebuyer Strategies—Understanding DPA, Refinancing, and Market Trends full 81df4778-3737-4798-a723-69a5e3347861 https://share.transistor.fm/s/dabe50b5 Roland and Heidi highlighted an upcoming health and housing fair on October 5, offering free health screenings, housing information, and early voting registration. They also discussed down payment assistance programs with minimum FICO scores as low as 600, noting higher interest rates for lower scores. Kevin Hickey from the Nevada Rural Housing Authority will join the show next week to discuss down payment assistance and mortgage credit certificates. The conversation also covered the rent vs. buy debate, emphasizing the financial benefits of homeownership, and the potential for refinancing to alleviate debt pressure. 

]]> Roland and Heidi highlighted an upcoming health and housing fair on October 5, offering free health screenings, housing information, and early voting registration. They also discussed down payment assistance programs with minimum FICO scores as low as 600, noting higher interest rates for lower scores. Kevin Hickey from the Nevada Rural Housing Authority will join the show next week to discuss down payment assistance and mortgage credit certificates. The conversation also covered the rent vs. buy debate, emphasizing the financial benefits of homeownership, and the potential for refinancing to alleviate debt pressure. 

]]> Sun, 29 Sep 2024 08:52:28 -0700 Mortgage Matters Mortgage Matters 1799 Roland and Heidi highlighted an upcoming health and housing fair on October 5, offering free health screenings, housing information, and early voting registration. They also discussed down payment assistance programs with minimum FICO scores as low as 600, noting higher interest rates for lower scores. Kevin Hickey from the Nevada Rural Housing Authority will join the show next week to discuss down payment assistance and mortgage credit certificates. The conversation also covered the rent vs. buy debate, emphasizing the financial benefits of homeownership, and the potential for refinancing to alleviate debt pressure. 

]]> Las Vegas mortgage, Nevada mortgage, Las Vegas down payment assistance, Nevada down payment assistance, first-time homebuyer Las Vegas, homebuyer class Las Vegas, VA loan Nevada, mortgage help Las Vegas, buying a home in Nevada No Mortgage Matters: Fed Rate Cuts, Mortgage Impacts, and Down Payment Assistance for Nevada Teachers 4 4 Mortgage Matters: Fed Rate Cuts, Mortgage Impacts, and Down Payment Assistance for Nevada Teachers full 58873e5b-b35a-4e5b-ad4c-206536506fc5 https://share.transistor.fm/s/240175de Roland and Heidi discuss the recent 0.5% interest rate cut by the Fed and its impact on mortgage rates, which saw a slight increase. They explain that mortgage rates are tied to Treasury yields and economic conditions, not directly to the Fed's rate. They highlight the "Home is Possible" program for Nevada teachers, offering $7,500 in down payment assistance. They also emphasize the importance of credit scores, noting that a minimum score of 580 is required for a 3.5% down payment on FHA loans, and provide tips on improving credit, such as paying bills on time and keeping credit utilization below 30%.

]]> Roland and Heidi discuss the recent 0.5% interest rate cut by the Fed and its impact on mortgage rates, which saw a slight increase. They explain that mortgage rates are tied to Treasury yields and economic conditions, not directly to the Fed's rate. They highlight the "Home is Possible" program for Nevada teachers, offering $7,500 in down payment assistance. They also emphasize the importance of credit scores, noting that a minimum score of 580 is required for a 3.5% down payment on FHA loans, and provide tips on improving credit, such as paying bills on time and keeping credit utilization below 30%.

]]> Sun, 22 Sep 2024 08:00:15 -0700 Mortgage Matters Mortgage Matters 1800 Roland and Heidi discuss the recent 0.5% interest rate cut by the Fed and its impact on mortgage rates, which saw a slight increase. They explain that mortgage rates are tied to Treasury yields and economic conditions, not directly to the Fed's rate. They highlight the "Home is Possible" program for Nevada teachers, offering $7,500 in down payment assistance. They also emphasize the importance of credit scores, noting that a minimum score of 580 is required for a 3.5% down payment on FHA loans, and provide tips on improving credit, such as paying bills on time and keeping credit utilization below 30%.

]]> Las Vegas mortgage, Nevada mortgage, Las Vegas down payment assistance, Nevada down payment assistance, first-time homebuyer Las Vegas, homebuyer class Las Vegas, VA loan Nevada, mortgage help Las Vegas, buying a home in Nevada No Exploring Reverse Mortgages, Becoming a Successful Homeowner and Upcoming Classes 3 3 Exploring Reverse Mortgages, Becoming a Successful Homeowner and Upcoming Classes full 46a2cd9d-076f-4226-be52-61043e37436f https://share.transistor.fm/s/704083ab Roland and Heidi discuss the upcoming Health and Housing Fair on October 5, highlighting its activities, including free vaccines and housing resources. They focus on reverse mortgages, explaining that they are for homeowners aged 62 or older and allow borrowers to convert home equity into cash without monthly payments. They emphasize the importance of property tax payments to avoid foreclosure. The conversation also covers down payment assistance programs, debunking myths about income limits and encouraging people to attend their free classes for more information. They stress their commitment to helping clients become successful homeowners.

]]> Roland and Heidi discuss the upcoming Health and Housing Fair on October 5, highlighting its activities, including free vaccines and housing resources. They focus on reverse mortgages, explaining that they are for homeowners aged 62 or older and allow borrowers to convert home equity into cash without monthly payments. They emphasize the importance of property tax payments to avoid foreclosure. The conversation also covers down payment assistance programs, debunking myths about income limits and encouraging people to attend their free classes for more information. They stress their commitment to helping clients become successful homeowners.

]]> Sun, 15 Sep 2024 08:00:00 -0700 Mortgage Matters Mortgage Matters 1674 Roland and Heidi discuss the upcoming Health and Housing Fair on October 5, highlighting its activities, including free vaccines and housing resources. They focus on reverse mortgages, explaining that they are for homeowners aged 62 or older and allow borrowers to convert home equity into cash without monthly payments. They emphasize the importance of property tax payments to avoid foreclosure. The conversation also covers down payment assistance programs, debunking myths about income limits and encouraging people to attend their free classes for more information. They stress their commitment to helping clients become successful homeowners.

]]> Las Vegas mortgage, Nevada mortgage, Las Vegas down payment assistance, Nevada down payment assistance, first-time homebuyer Las Vegas, homebuyer class Las Vegas, VA loan Nevada, mortgage help Las Vegas, buying a home in Nevada No Building Generational Wealth Through Homeownership: Insights and Strategies 2 2 Building Generational Wealth Through Homeownership: Insights and Strategies full 660f4f59-299b-4070-8cc6-f2793092bc1d https://share.transistor.fm/s/00b4e2da In this episode of "Mortgage Matters," Roland and Heidi dive into the concept of generational wealth and how homeownership can play a pivotal role in building it. They explore the benefits of real estate as a tool for creating lasting financial stability, discuss current real estate market trends, and address common questions about refinancing and reverse mortgages. Tune in for expert advice on leveraging property investments to secure a prosperous future for your family. 

]]> In this episode of "Mortgage Matters," Roland and Heidi dive into the concept of generational wealth and how homeownership can play a pivotal role in building it. They explore the benefits of real estate as a tool for creating lasting financial stability, discuss current real estate market trends, and address common questions about refinancing and reverse mortgages. Tune in for expert advice on leveraging property investments to secure a prosperous future for your family. 

]]> Sun, 08 Sep 2024 08:00:00 -0700 Mortgage Matters Mortgage Matters 1680 In this episode of "Mortgage Matters," Roland and Heidi dive into the concept of generational wealth and how homeownership can play a pivotal role in building it. They explore the benefits of real estate as a tool for creating lasting financial stability, discuss current real estate market trends, and address common questions about refinancing and reverse mortgages. Tune in for expert advice on leveraging property investments to secure a prosperous future for your family. 

]]> Las Vegas mortgage, Nevada mortgage, Las Vegas down payment assistance, Nevada down payment assistance, first-time homebuyer Las Vegas, homebuyer class Las Vegas, VA loan Nevada, mortgage help Las Vegas, buying a home in Nevada No Mortgage Matters: Insights, Strategies, and Success Stories from Las Vegas Experts 1 1 Mortgage Matters: Insights, Strategies, and Success Stories from Las Vegas Experts full eac21217-f985-4964-84c0-e369df1f36a9 https://share.transistor.fm/s/e3b23dc0 Join Roland and Heidi as they dive into the dynamic world of real estate and mortgages in Las Vegas. With over 30 years of combined experience, they share invaluable tips on building generational wealth through homeownership, discuss the current market trends, and offer practical advice for first-time buyers and seasoned investors alike. In this episode, they also highlight inspiring client success stories and the importance of making informed financial decisions. Whether you're looking to buy your first home or expand your real estate portfolio, Roland and Heidi provide the knowledge and guidance you need to navigate the market with confidence. 

]]> Join Roland and Heidi as they dive into the dynamic world of real estate and mortgages in Las Vegas. With over 30 years of combined experience, they share invaluable tips on building generational wealth through homeownership, discuss the current market trends, and offer practical advice for first-time buyers and seasoned investors alike. In this episode, they also highlight inspiring client success stories and the importance of making informed financial decisions. Whether you're looking to buy your first home or expand your real estate portfolio, Roland and Heidi provide the knowledge and guidance you need to navigate the market with confidence. 

]]> Sun, 01 Sep 2024 08:00:00 -0700 Mortgage Matters Mortgage Matters 1784 Join Roland and Heidi as they dive into the dynamic world of real estate and mortgages in Las Vegas. With over 30 years of combined experience, they share invaluable tips on building generational wealth through homeownership, discuss the current market trends, and offer practical advice for first-time buyers and seasoned investors alike. In this episode, they also highlight inspiring client success stories and the importance of making informed financial decisions. Whether you're looking to buy your first home or expand your real estate portfolio, Roland and Heidi provide the knowledge and guidance you need to navigate the market with confidence. 

]]> Las Vegas mortgage, Nevada mortgage, Las Vegas down payment assistance, Nevada down payment assistance, first-time homebuyer Las Vegas, homebuyer class Las Vegas, VA loan Nevada, mortgage help Las Vegas, buying a home in Nevada No