Clear 2 Close Podcast

Clear 2 Close Podcast EP057 - Mortgage Closing Costs- Loan Estimate

Join host Ryan Bolton, the Mortgage N3rd from Patriot Home Mortgage, in this episode of the Clear 2 Close podcast as he unravels the complexities of mortgage fees and loan estimates. Ryan provides a detailed breakdown of every section of the required loan estimate form, explaining what each box means to help you navigate the mortgage process with confidence. Tune in for valuable insights that will empower you in your home-buying journey!  
RyanBolton.com
0:00 Intro
0:45 Mortgage Closing Costs
1:46 Page 1 of the Loan Estimate
5:35 Page 2 of the Loan Estimate
15:29 Page 3 of the Loan Estimate
18:55 Loan Estimate and Closing Disclosure
22:00 Final Thoughts
 
 
 

Clear 2 Close Podcast EP056 - Expert Appraiser Guest Jeff Morley

In today's Clear 2 Close Podcast, Ryan Bolton The Mortgage N3rd with Patriot Home Mortgage has a special expert guest.  Jeff Morley is a local real estate appraiser with Morley & McConkie and is a second-generation appraiser. We will talk about what got Jeff into the real estate appraisal business.  We also talk about the issues facing the appraiser industry.  We will talk about the differences between an appraisal and a home inspection.  We will hit on the local market as well.  All kinds of good stuff in today's show!  #Apprasier  #ROV #AVM #RealEstate #Mortgage

Clear 2 Close EP055- Debunking Mortgage Myths

Join us for an insightful episode of the Clear 2 Close podcast, hosted by Ryan Bolton, also known as The Mortgage N3rd from Patriot Home Mortgage. In this engaging episode, Ryan dives deep into the world of mortgage misconceptions to help you make informed decisions as a homebuyer.
Ryan will tackle key topics, including:
Down Payment Myths: Learn the truth about down payment requirements and the options available that might surprise you.
Credit Scores Explained: Discover what credit scores mean for your mortgage application and why you don’t need to have a perfect score to qualify.
Renting vs. Owning: Explore the common belief that renting is cheaper than owning a home and uncover the long-term financial benefits of homeownership.
Whether you're a first-time homebuyer or looking to refresh your knowledge, this episode is packed with valuable insights and practical advice. Don't miss out on dispelling these myths with The Mortgage N3rd! Tune in now!
If you are looking for a home loan or mortgage to buy or refinance go to RyanBolton.com  Equal Housing Lender NMLS# 299717

Clear 2 Close EP054- Mortgage SECRETS Revealed! Mortgage N3rd is answering your questions!

Join us for an insightful episode of the Clear 2 Close podcast, where your host, Ryan Bolton, known as The Mortgage N3rd from Patriot Home Mortgage, dives deep into the questions that matter most to you! In today's episode, Ryan addresses a variety of topics surrounding mortgages, credit, and the ever-evolving real estate market. Whether you're a first-time homebuyer or looking to refinance your existing mortgage, Ryan has the expertise to guide you through the complexities of the lending process.
Tune in as he offers valuable advice, breaks down intricate financial concepts, and shares practical tips to empower you on your journey towards homeownership. Don’t miss out on the chance to have your burning questions answered and to gain insights that can lead you to make informed decisions in your real estate endeavors.
If you're ready to take the next step towards securing a home loan, whether for purchasing a new home or refinancing your current one, visit RyanBolton.com for personalized support and resources tailored to your needs. Let’s embark on this journey together and achieve your homeownership dreams!
Equal Housing Lender NMLS# 299717

Clear 2 Close EP053- Refinancing Your Mortgage: When and Why to Consider

Welcome to today's episode of the Clear 2 Close podcast! Join Ryan Bolton, The Mortgage N3rd from Patriot Home Mortgage, as he dives into the topic of refinancing.
In this episode, you'll discover what refinancing really means and explore the various types available. Ryan will discuss the key reasons why homeowners consider refinancing their mortgages, helping you understand whether it could be a beneficial move for your financial situation.
Tune in to learn the right circumstances under which refinancing makes sense, and gain insights that could guide your decision-making process. Don't miss this informative episode that will empower you to make educated choices regarding your mortgage!  RyanBolton.com

Clear 2 Close EP052- Understanding Mortgage Rate: What Affects Them

In today's show, I discuss what a Mortgage Interest Rate is and what determines the rate that you will actually get! 
My name is Ryan Bolton and I am a Mortgage Nerd! Check out my website at RyanBolton.com if you are looking to buy or refinance a home in Utah or Nevada! 
Please like, subscribe, and submit your comments, questions, or topics for future episodes. https://RyanBolton.com Equal Housing Lender NMLS# 299717 The views expressed in this episode do not necessarily reflect the views of Patriot Home Mortgage CoNMLS# 715386
 

Clear 2 Close Podcast EP052- 3rd Quarter 2024 Recap with Special Guest Jared Plewe

In today's episode of the Clear 2 Close Podcast, Ryan Bolton, Local Mortgage Expert, brings on special guest Jared Plewe with Infinity Title to break down the 3rd quarter and year-to-date housing stats.  To watch the video of today's show go to YouTube.com/@MortgageN3rd
We will talk about the housing market in Southern Utah including the pending home sales and listings, days on the market and our thoughts on what's ahead of Real Estate in St George and surrounding areas! 
#mortgage #realestate #preapproval #mortgagerates #WashingtonCounty #atozion #StGeorge #Utah

Clear 2 Close Podcast EP051- Explaining the Changes to Buyer Agent Commissions

In today's episode of the Clear 2 Close Podcast, Ryan Bolton with Patriot Home Mortgage brings on special guest Tammy Houchen with Red Rock Realty and the Board President of the Washington County Board of Realtors. Tammy has been in Real Estate since 2005 and has worked in every role from transaction coordinator to real estate agent, to now a broker with over 350 agents. With her expertise, she really has seen and done it all! We talk about the changes to Buyer Broker Agreements and how that is affecting agents, buyers, and the housing market in Southern Utah. #buyeragent
 
Please subscribe and submit your comments, questions, or topics for future episodes. https://www.RyanBolton.com Equal Housing Lender NMLS# 299717 The views expressed in this episode do not necessarily reflect the views of Patriot Home Mortgage CoNMLS# 715386
#mortgage #realestate #mortgageprocess #mortgagebroker #firsttimehomebuyer #firsttimehomebuyertips #homeownership #homeloantips #homebuying #homeselling #stgeorgeutah #cedarcity #greaterzion

Clear 2 Close Podcast EP050- Reviewing Harris Housing Proposal

In today's episode, Ryan Bolton with Patriot Home Mortgage reviews the Kamala Harris Housing Proposal. Ryan will break down the good intentions of the plan along with the bad.  Check out the video for this show- YouTube.com/@MortgageN3rd

Clear 2 Close Podcast EP048 - Jim Burch Estate Planner- You Need a Trust!

Clear 2 Close Podcast EP048 - Jim Burch Estate Planning
In today's episode, we bring on special guest Jim Burch with Easy Estate Planning and talk about a trust in and why you NEED to have one especially if you have real estate!