THEPODZONE.COM http://www.realestateinfocus.com Your home is one of the greatest liabilities or assets you will ever have. Therefore, understanding the intricacies of real estate is essential. * Buying a home or investment property? * Wondering how to obtain the best information available before you take on additional responsibility? * Need to refinance? * Confused about terms, rates, closing costs and real estate lingo all the professionals use? Real Estate in Focus is a weekly radio broadcast that provides timely information regarding the real estate process; focusing from start to finish on: * purchasing or refinancing * credit issues and questions * market trends * prudent financial practices * investment questions and more Weekly guests from all fields in the real estate industry can answer your questions: * What is my property worth? Tell me about market conditions. What are the benefits of using a real estate agent? * What does a title company do for me? What are their fees? What services do they perform? * Explain the mortgage process. What is the difference between prequalification and pre-approval? How do I determine what loan is right for me? What is LTV/CLTV, DTI, FICO, ratios, MI? * How safe is real estate investing? Where can I find real estate legal advice? What determines the appraisal value of a home? We have answers to these questions and many more, all from qualified professionals. Your home is one of the greatest liabilities or assets you will ever have. Therefore, understanding the intricacies of real estate is essential. * Buying a home or investment property? * Wondering how to obtain the best information available before you take on additional responsibility? * Need to refinance? * Confused about terms, rates, closing costs and real estate lingo all the professionals use? Real Estate in Focus is a weekly radio broadcast that provides timely information regarding the real estate process; focusing from start to finish on: * purchasing or refinancing * credit issues and questions * market trends * prudent financial practices * investment questions and more Weekly guests from all fields in the real estate industry can answer your questions: * What is my property worth? Tell me about market conditions. What are the benefits of using a real estate agent? * What does a title company do for me? What are their fees? What services do they perform? * Explain the mortgage process. What is the difference between prequalification and pre-approval? How do I determine what loan is right for me? What is LTV/CLTV, DTI, FICO, ratios, MI? * How safe is real estate investing? Where can I find real estate legal advice? What determines the appraisal value of a home? We have answers to these questions and many more, all from qualified professionals. Your Radio Resource for All Things Real Estate Sam Bushman en-us You have the right to copy - please do! sambushman@envisionlending.com http://www.accentradionetwork.com/images/rif_banner.gif http://www.realestateinfocus.com 144 144 clean no Education Sat, 16 Jan 2010 07:41:23 -0800 podzone-5011 Sam Bushman Sam talks about the complicated details of ethics. It is vital to be ethical but is not always black and white as one might think. Are the big banks/lenders, Fannie Mae, Freddie Mac and FHA ethical? When the housing market drops on a macro scale, is it ethical for big lenders to refuse to work with homeowners who have equity in order to foreclose and take that equity and be more willing to work with homeowners who have no equity to create shortsales? Both cases benefit the bank and not necessarily the consumer. Is this ethical? Sam Bushman Your Radio Resource for All Things Real Estate Sam talks about the complicated details of ethics. It is vital to be ethical but is not always black and white as one might think. Are the big banks/lenders, Fannie Mae, Freddie Mac and FHA ethical? When the housing market drops on a macro scale, is it ethical for big lenders to refuse to work with homeowners who have equity in order to foreclose and take that equity and be more willing to work with homeowners who have no equity to create shortsales? Both cases benefit the bank and not necessarily the consumer. Is this ethical? clean 00:47:48 no Sat, 09 Jan 2010 10:29:58 -0800 podzone-4956 Sam Bushman Part two of the below stories which are in the New York Times on 1/2/10. U.S. Loan Effort Is Seen As Adding To Housing Woes. U.S. to Lose $400 Billion on Fannie, Freddie, Wallison Says. In America today, hunger is very real. Renters win as vacancy rate climbs. Sam Bushman Your Radio Resource for All Things Real Estate Part two of the below stories which are in the New York Times on 1/2/10. U.S. Loan Effort Is Seen As Adding To Housing Woes. U.S. to Lose $400 Billion on Fannie, Freddie, Wallison Says. In America today, hunger is very real. Renters win as vacancy rate climbs. clean 00:47:48 no Sat, 02 Jan 2010 10:28:11 -0800 podzone-4955 Sam Bushman Sam talks about the news of the day. First: personal news...Sam leaves Envision Lending and joins Castle & Cooke Mortgage, LLC. The below articles are in the New York Times 01/02/2010 U.S. Loan Effort Is Seen As Adding To Housing Woes. U.S. to Lose $400 Billion on Fannie, Freddie, Wallison Says. In America today, hunger is very real. Renters win as vacancy rate climbs Sam Bushman Your Radio Resource for All Things Real Estate Sam talks about the news of the day. First: personal news...Sam leaves Envision Lending and joins Castle & Cooke Mortgage, LLC. The below articles are in the New York Times 01/02/2010 U.S. Loan Effort Is Seen As Adding To Housing Woes. U.S. to Lose $400 Billion on Fannie, Freddie, Wallison Says. In America today, hunger is very real. Renters win as vacancy rate climbs clean 00:47:48 no Sat, 26 Dec 2009 09:53:04 -0800 podzone-4883 Sam Bushman Guest: Mike Schiano Managing Partner of Green Rain Marketing, LLC www.greenrainmarketing.com "You run the Business...we'll bring the Rain!" www.MoneyTalkNetwork.com Money advice when YOU want it! www.askthedebtbuster.com When you need help with mortgage modification or getting out of debt, watch out for many pit falls. New Credit Card with a 79.9% Interest Rate Premier Bank is marketing this card which features a $300 balance. It’s the highest interest rate ever seen! Why would anyone even consider this card? Why the new Federal CARD Act, meant to protect consumers actually caused this. Why credit card fees are expanding for all consumers – even the ones who are paying their bills. How to avoid debt traps especially during the holidays. -What your options are if your Credit Card Company raises your interest rates Sam Bushman Your Radio Resource for All Things Real Estate Guest: Mike Schiano Managing Partner of Green Rain Marketing, LLC www.greenrainmarketing.com "You run the Business...we'll bring the Rain!" www.MoneyTalkNetwork.com Money advice when YOU want it! www.askthedebtbuster.com When you need help with mortgage modification or getting out of debt, watch out for many pit falls. New Credit Card with a 79.9% Interest Rate Premier Bank is marketing this card which features a $300 balance. It’s the highest interest rate ever seen! Why would anyone even consider this card? Why the new Federal CARD Act, meant to protect consumers actually caused this. Why credit card fees are expanding for all consumers – even the ones who are paying their bills. How to avoid debt traps especially during the holidays. -What your options are if your Credit Card Company raises your interest rates clean 00:47:48 no Sat, 19 Dec 2009 09:28:36 -0800 podzone-4859 Sam Bushman Guest: Jay Shafer Jay Shafer is leading a movement that is changing the way America views housing. His revolutionary approach to house design has stirred international dialogue. In his "The Small House Book" (self-published 2000), Shafer explains why smaller dwellings make good sense and how superior design can be achieved with less space. He has continued to share his philosophy by creating Tumbleweed Tiny House Company and through such venues as Fine Homebuilding, The Wall Street Journal, The Oprah Winfrey Show, and at the University of Iowa’s School of Art, where he served as Adjunct Assistant Professor of Drawing for more than a decade. Professor Shafer currently lives in an eighty-five square foot home of his own creation. www.tumbleweedhouses.com Sam Bushman Your Radio Resource for All Things Real Estate Guest: Jay Shafer Jay Shafer is leading a movement that is changing the way America views housing. His revolutionary approach to house design has stirred international dialogue. In his "The Small House Book" (self-published 2000), Shafer explains why smaller dwellings make good sense and how superior design can be achieved with less space. He has continued to share his philosophy by creating Tumbleweed Tiny House Company and through such venues as Fine Homebuilding, The Wall Street Journal, The Oprah Winfrey Show, and at the University of Iowa’s School of Art, where he served as Adjunct Assistant Professor of Drawing for more than a decade. Professor Shafer currently lives in an eighty-five square foot home of his own creation. www.tumbleweedhouses.com clean 00:47:48 no Sat, 05 Dec 2009 09:24:13 -0800 podzone-4767 Sam Bushman Guest: Michael White Michael White is the founder of New Observations dot Net and the CEO of The New Mortgage Company. Mortgage brokers are the most transparent in the business. newobservations.net/property-price-index/ Based on real data and projections, property values will drop much further. Sam has a plan that can fix it. Sam Bushman Your Radio Resource for All Things Real Estate Guest: Michael White Michael White is the founder of New Observations dot Net and the CEO of The New Mortgage Company. Mortgage brokers are the most transparent in the business. newobservations.net/property-price-index/ Based on real data and projections, property values will drop much further. Sam has a plan that can fix it. clean 00:47:48 no Sat, 28 Nov 2009 15:03:33 -0800 podzone-4725 Sam Bushman Sam talks about his memories learning about the real estate business from his father. Sam has 4 brothers all in the construction business. The Mortgage broker/loan officer as we know it will be completely destroyed. The mortgage LO/broker has become (unfairly I might add) the whipping boy of the mortgage melt-down. Happy Thanksgiving! Sam Bushman Your Radio Resource for All Things Real Estate Sam talks about his memories learning about the real estate business from his father. Sam has 4 brothers all in the construction business. The Mortgage broker/loan officer as we know it will be completely destroyed. The mortgage LO/broker has become (unfairly I might add) the whipping boy of the mortgage melt-down. Happy Thanksgiving! clean 00:47:43 no Sat, 21 Nov 2009 15:02:23 -0800 podzone-4724 Sam Bushman Interview: ANDY FELD His new book: Wake-Up! Your Life is Calling! Andy, you say the financial crisis is "our most wonderful wake-up call ever" Get a new view - opportunities are everywhere. www.andyfeld.net Sam Bushman Your Radio Resource for All Things Real Estate Interview: ANDY FELD His new book: Wake-Up! Your Life is Calling! Andy, you say the financial crisis is "our most wonderful wake-up call ever" Get a new view - opportunities are everywhere. www.andyfeld.net clean 00:47:48 no Sat, 07 Nov 2009 15:00:58 -0800 podzone-4723 Sam Bushman Guest: Charles Butch Grimes Sam and Butch talk about all things real estate. It's a great time to buy. Next year and beyond, think foreclosure and opportunity. Butch has a show about Real Estate as well, Monday evenings. www.wetalkrealestate.com Sam Bushman Your Radio Resource for All Things Real Estate Guest: Charles Butch Grimes Sam and Butch talk about all things real estate. It's a great time to buy. Next year and beyond, think foreclosure and opportunity. Butch has a show about Real Estate as well, Monday evenings. www.wetalkrealestate.com clean 00:47:48 no Sat, 24 Oct 2009 09:33:56 -0700 podzone-4511 Sam Bushman Sam talks about the state of the mortgage industry. He tells the story of the almost perfect GFE (Good Faith Estimate) and TIL (Truth In Lending Statement). What does an LO (Loan Officer)do? How much is fair to pay a Loan Officer? Most important tip for all financial transactions: Find a trusted advisor. Sam Bushman Your Radio Resource for All Things Real Estate Sam talks about the state of the mortgage industry. He tells the story of the almost perfect GFE (Good Faith Estimate) and TIL (Truth In Lending Statement). What does an LO (Loan Officer)do? How much is fair to pay a Loan Officer? Most important tip for all financial transactions: Find a trusted advisor. clean 00:47:48 no Sat, 17 Oct 2009 08:38:47 -0700 podzone-4475 Sam Bushman Sam focuses on updates in real estate news. "Banks With 20% Unpaid Loans at 18-Year High Amid Recovery Doubt" - Bloomberg "Millions more foreclosures coming" - Reuters A briefing on how the federal reserve works. Now the the US federal government is the housing market. What happens when the foreigners who hold the US debt decide they want the colateral? Drywall from China will cause 10s of thousands of foreclosures because they are now not insurable. MA Judge Rules Against Wells Fargo and U.S. Bank - Threatens Millions of Foreclosures Sam Bushman Your Radio Resource for All Things Real Estate Sam focuses on updates in real estate news. "Banks With 20% Unpaid Loans at 18-Year High Amid Recovery Doubt" - Bloomberg "Millions more foreclosures coming" - Reuters A briefing on how the federal reserve works. Now the the US federal government is the housing market. What happens when the foreigners who hold the US debt decide they want the colateral? Drywall from China will cause 10s of thousands of foreclosures because they are now not insurable. MA Judge Rules Against Wells Fargo and U.S. Bank - Threatens Millions of Foreclosures clean 00:47:48 no Sat, 10 Oct 2009 08:39:17 -0700 podzone-4429 Sam Bushman Sam talks about all the troubles in the economy; foreclosures increasing and at an unprecedented level. FHA, Fannie Mae and Freddie Mac are all having problems. More banks closing and more lenders imploding. But, we can meet this challenge with a positive outlook instead of saying, "why us", we can say "what shall we do." Multi-generational housing is one of the main solutions. A must listen broadcast to overcome the economic bad news. Sam Bushman Your Radio Resource for All Things Real Estate Sam talks about all the troubles in the economy; foreclosures increasing and at an unprecedented level. FHA, Fannie Mae and Freddie Mac are all having problems. More banks closing and more lenders imploding. But, we can meet this challenge with a positive outlook instead of saying, "why us", we can say "what shall we do." Multi-generational housing is one of the main solutions. A must listen broadcast to overcome the economic bad news. clean 00:47:48 no Sat, 03 Oct 2009 12:51:20 -0700 podzone-4406 Sam Bushman * Sam educates about Option arms adjustable Rate Mortgages * Talks about the fact that these loans have been miss-used. * When they are used as they were intended they are great. * When miss-used expect foreclosure. * Borrows who have these loans should push for converting there mortgage to a fixed rate ASAP. Sam Bushman Your Radio Resource for All Things Real Estate * Sam educates about Option arms adjustable Rate Mortgages * Talks about the fact that these loans have been miss-used. * When they are used as they were intended they are great. * When miss-used expect foreclosure. * Borrows who have these loans should push for converting there mortgage to a fixed rate ASAP. clean 00:47:48 no Sat, 26 Sep 2009 13:53:02 -0700 podzone-4416 Sam Bushman Beware of Mortgage Modifications! The old saying if it seems to good to be true then it probabally is applies here. According to the USA today article only 8% of mortgage modifications result in principal reduction. The principal reduction solution is with out question best for borrowers. Reducing interest rates, adding payments to the back end of the loan, defering interest etc; all sounds good but, most likely put the borrower in more debt and most often actually insure that the loan will go in to default some time down the line. So if you get a principal reduction with no strings attached it's worth it. Most often the lender will try to recover the principal reduction of the home is sold ... you need to push for principal reduction with no strings attached or it's not in the borrowers best interest to engage in Mortgage modification. Sam Bushman Your Radio Resource for All Things Real Estate Beware of Mortgage Modifications! The old saying if it seems to good to be true then it probabally is applies here. According to the USA today article only 8% of mortgage modifications result in principal reduction. The principal reduction solution is with out question best for borrowers. Reducing interest rates, adding payments to the back end of the loan, defering interest etc; all sounds good but, most likely put the borrower in more debt and most often actually insure that the loan will go in to default some time down the line. So if you get a principal reduction with no strings attached it's worth it. Most often the lender will try to recover the principal reduction of the home is sold ... you need to push for principal reduction with no strings attached or it's not in the borrowers best interest to engage in Mortgage modification. clean 00:47:48 no Sat, 12 Sep 2009 13:50:26 -0700 podzone-4415 Sam Bushman Interview: Valerie Faltas - www.propertytaxlady.com PAYING TOO MUCH IN PROPERTY TAXES? FORMER ASSESSOR CAN HELP Expert guest Valerie Faltas is a property tax expert and was a certified property tax appraiser. While working for the Los Angeles County Assessor 's Office, Valerie assessed over 6,000 properties and learned about little-known financial loopholes that can literally save homeowners thousands every year. She has put together the "The Property Tax Little Black Book" crammed with useful info for homeowners that she's happy to share with listeners. Sam Bushman Your Radio Resource for All Things Real Estate Interview: Valerie Faltas - www.propertytaxlady.com PAYING TOO MUCH IN PROPERTY TAXES? FORMER ASSESSOR CAN HELP Expert guest Valerie Faltas is a property tax expert and was a certified property tax appraiser. While working for the Los Angeles County Assessor 's Office, Valerie assessed over 6,000 properties and learned about little-known financial loopholes that can literally save homeowners thousands every year. She has put together the "The Property Tax Little Black Book" crammed with useful info for homeowners that she's happy to share with listeners. clean 00:47:48 no Sat, 15 Aug 2009 13:54:18 -0700 podzone-4417 Sam Bushman Guest: Dwan Bent-Twyford Short-Sale Pre-Foreclosure Investing: How to Buy Properties Directly from the Bank at Huge Discounts HOW TO SELL A HOUSE WHEN IT’S WORTH LESS THAN THE MORTGAGE OPTIONS FOR UNDERWATER HOMEOWNERS AND INVESTORS Get started today. www.1234closures.com Sam Bushman Your Radio Resource for All Things Real Estate Guest: Dwan Bent-Twyford Short-Sale Pre-Foreclosure Investing: How to Buy Properties Directly from the Bank at Huge Discounts HOW TO SELL A HOUSE WHEN IT’S WORTH LESS THAN THE MORTGAGE OPTIONS FOR UNDERWATER HOMEOWNERS AND INVESTORS Get started today. www.1234closures.com clean 00:47:48 no Sat, 01 Aug 2009 13:48:56 -0700 podzone-4414 Sam Bushman Sam talks about the market. The Chiller report is bogus and doesn't reflect reality. Fed Proposes Fee Restrictions for Brokers Mortgage brokers are not getting a fair shake from the indestry. What if we put Loan Officers/mortgage brokers on the side of the borrower and protected the consumer from the lenders? What if we could get Loan Officers fair pay for every loan they work on? Sam Bushman Your Radio Resource for All Things Real Estate Sam talks about the market. The Chiller report is bogus and doesn't reflect reality. Fed Proposes Fee Restrictions for Brokers Mortgage brokers are not getting a fair shake from the indestry. What if we put Loan Officers/mortgage brokers on the side of the borrower and protected the consumer from the lenders? What if we could get Loan Officers fair pay for every loan they work on? clean 00:47:48 no Sat, 25 Jul 2009 13:45:53 -0700 podzone-4413 Sam Bushman Sam talks about the hard work that finance perfessionals put in to there training etc. Did you know that there are actual mortgage banking degrees and certifications? The 4 main factors to a loan, principal, interest, payment and term / duration. How to make extra room for guests! Sam Bushman Your Radio Resource for All Things Real Estate Sam talks about the hard work that finance perfessionals put in to there training etc. Did you know that there are actual mortgage banking degrees and certifications? The 4 main factors to a loan, principal, interest, payment and term / duration. How to make extra room for guests! clean 00:47:48 no Sat, 18 Jul 2009 13:44:26 -0700 podzone-4412 Sam Bushman Guest: Lance Puig How To Convert A Good Credit Score Into A Great Retirement Plan www.yorkstreetproperties.com Partner with York Street, reduce your risk and build your financial future! Sam Bushman Your Radio Resource for All Things Real Estate Guest: Lance Puig How To Convert A Good Credit Score Into A Great Retirement Plan www.yorkstreetproperties.com Partner with York Street, reduce your risk and build your financial future! clean 00:47:48 no Sat, 11 Jul 2009 13:42:47 -0700 podzone-4411 Sam Bushman Guest: John Colson Sam and John talk about the general state of the market. John is currently a mortgage broker but, was an account executive for a large bank for five years before the mortgage crisis. Congressman Frank proposes home loan plan for jobless. We say it will be a disaster. We have solutions but, the government and the indestry as a whole aren't willing to try them. We believe the market will get much worse. Finished up with several items of good news. Sam Bushman Your Radio Resource for All Things Real Estate Guest: John Colson Sam and John talk about the general state of the market. John is currently a mortgage broker but, was an account executive for a large bank for five years before the mortgage crisis. Congressman Frank proposes home loan plan for jobless. We say it will be a disaster. We have solutions but, the government and the indestry as a whole aren't willing to try them. We believe the market will get much worse. Finished up with several items of good news. clean 00:47:48 no Sat, 20 Jun 2009 13:41:19 -0700 podzone-4410 Sam Bushman Sam talks about the market, mentions that Obama's push for regulation is not a good thing, and tells some stories (personal examples) of how even new programs are being miss used. The mortgage modification programs are now being used by A-credit borrowers only because the guide lines are way to tight (over regulation in effect). Utah County businessman pleads not guilty to fraud charges. Sam talks about the big bankers and gov groups are all doing the same things and they all get a pass. Why attack the businessman? Remember he is innocent until proven guilty! Sam Bushman Your Radio Resource for All Things Real Estate Sam talks about the market, mentions that Obama's push for regulation is not a good thing, and tells some stories (personal examples) of how even new programs are being miss used. The mortgage modification programs are now being used by A-credit borrowers only because the guide lines are way to tight (over regulation in effect). Utah County businessman pleads not guilty to fraud charges. Sam talks about the big bankers and gov groups are all doing the same things and they all get a pass. Why attack the businessman? Remember he is innocent until proven guilty! clean 00:47:48 no Sat, 30 May 2009 13:39:43 -0700 podzone-4409 Sam Bushman Sam talks about how to get started in the relestate business, how to look for properties, and how to detect a good deal. Get rich slow; forget the get-rich-fast bogus ideas. If you can win fast and big you can also loose bigger and faster! Learn to become street smart and use common sense. Learn to put your self in the shoes of those who can make you money. Start small, make friends and look for mentors. Sam Bushman Your Radio Resource for All Things Real Estate Sam talks about how to get started in the relestate business, how to look for properties, and how to detect a good deal. Get rich slow; forget the get-rich-fast bogus ideas. If you can win fast and big you can also loose bigger and faster! Learn to become street smart and use common sense. Learn to put your self in the shoes of those who can make you money. Start small, make friends and look for mentors. clean 00:47:48 no Sat, 23 May 2009 13:38:14 -0700 podzone-4408 Sam Bushman We have an interview with Terry Sprouse. Terry Sprouse buys fix-up houses, repairs them and rents them out in his spare time. He is author of the book "Fix 'em Up, Rent 'em Out: How to Start Your Own House Fix-Up and Rental Business in Your Spare Time." Fixer Uppers and Rental Houses. This blog discusses aspects of buying, repairing and renting out fix-up houses. Practical advice from some one who does it every day. His web site is a how-to blog. You can even ask him questions for free - www.fixemup.org Sam Bushman Your Radio Resource for All Things Real Estate We have an interview with Terry Sprouse. Terry Sprouse buys fix-up houses, repairs them and rents them out in his spare time. He is author of the book "Fix 'em Up, Rent 'em Out: How to Start Your Own House Fix-Up and Rental Business in Your Spare Time." Fixer Uppers and Rental Houses. This blog discusses aspects of buying, repairing and renting out fix-up houses. Practical advice from some one who does it every day. His web site is a how-to blog. You can even ask him questions for free - www.fixemup.org clean 00:47:48 no Sat, 16 May 2009 13:36:26 -0700 podzone-4407 Sam Bushman Sam talks about the stories in the media: Case-shiller index indicates continued housing price free fall. Lenders are more open to short sales. In my view, this is all good and should have been done a long time ago. We would not have near the problem on our hands if we would have not tried to prop up the price of housing as we have. Sam Bushman Your Radio Resource for All Things Real Estate Sam talks about the stories in the media: Case-shiller index indicates continued housing price free fall. Lenders are more open to short sales. In my view, this is all good and should have been done a long time ago. We would not have near the problem on our hands if we would have not tried to prop up the price of housing as we have. clean 00:47:48 no