Clear 2 Close Podcast

I Found the SHOCKING Truth About Housing Affordability in Southern Utah

Join your host, Ryan Bolton, a local mortgage expert, on the Clear to Close Podcast as he navigates the intricacies of buying and selling real estate. In each episode, Ryan brings you insightful discussions packed with tips, tricks, do’s and don’ts, and expert guests who share their knowledge on various aspects of the housing market.
In this episode, Ryan is joined by Jared Blue from Infinity Title to tackle the pressing issue of housing affordability. They delve into current market trends influenced by rising interest rates, fluctuating home prices, and stagnant household incomes. Together, they explore the effects of government policies, local land regulations, and the dynamics of income versus home value to provide a comprehensive understanding of the challenges facing prospective homeowners today.
Whether you're a first-time buyer, a seasoned investor, or simply interested in real estate trends, this podcast is your go-to resource for making informed decisions in the ever-evolving world of real estate. Tune in to stay current on essential topics that affect your housing journey!
For comments or questions, reach out to clear to close clear2closepod@gmail.com or visit RyanBolton.com. Don’t forget to like, follow, and share!
#ClearToClose #RealEstatePodcast #HousingAffordability #MortgageExpert #HomeBuyingTips #RealEstateAdvice #MarketTrends #HomeOwnership #RealEstateInvesting #InterestRates #RealEstateNews #PropertyMarket #HousingMarket #HomeBuyingJourney #MortgageRates #Utah #SouthernUtah
 
 
 

Get Ahead of the Game with Mortgage N3rd's Expert Advice!

Clear 2 Close episode 61- Mortgage N3rd Q&A! In today's show Ryan Bolton, Mortgage N3rd, takes on the internets mortgage questions!
Please 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 #mortgage #realestate #mortgageprocess #mortgagebroker #firsttimehomebuyer #firsttimehomebuyertips #homeownership #homeloantips #homebuying #homeselling #stgeorgeutah #cedarcity #greaterzion

Clear 2 Close Podcast EP060- Closing the Deal: Mortgage Insights and Strategies

Welcome to the "Clear 2 Close" podcast, hosted by Mortgage N3rd Ryan Bolton. With over two decades of experience in the mortgage industry, Ryan provides invaluable insights into the real estate transaction process, from buying your first home to refinancing. Each episode is packed with tips, tricks, and expert advice on the mortgage loan process, including the essential steps, common pitfalls, and frequently asked questions.
This episode #60 is designed to empower listeners with the knowledge they need to navigate the complexities of real estate. Join Ryan as he breaks down critical concepts like the "Three C's of Lending," essential mortgage documents, the importance of credit, and more. Whether you’re looking to buy, sell, or refinance, the "Clear 2 Close" podcast is your go-to resource for all your mortgage questions. Tune in and take the first step toward your real estate goals today!
In addition to his mortgage expertise, Ryan shares his passion for all things nerdy in the community, featuring his fun side project, N3RDMerch.com, which celebrates diverse interests through unique apparel and accessories. Whether you’re a car nerd, science enthusiast, or gaming aficionado, there’s something for everyone!
For more information and resources, visit Ryan's website at ryanbolton.com

Clear 2 Close Podcast EP059- Year in Review: 2024 Real Estate and Mortgage Market Insights

Join Ryan Bolton, local mortgage expert from Patriot Home Mortgage, as he welcomes Jared Plewe from Infinity Title for a year-in-review episode of the Clear to Close Podcast. In this enlightening discussion, they explore the key trends and statistics from 2024 in the real estate and mortgage markets. Discover insights on the current mortgage rate landscape, real estate transactions per agent, foreclosure data, and cash flow considerations for rental properties.  We also hit on mortgage license renewals that are down so far by almost 50%. With a focus on what lies ahead for 2025, this episode equips listeners with essential knowledge to navigate the ever-evolving real estate landscape.
RyanBolton.com  Equal Housing Lender NMLS# 299717
#ClearToClosePodcast #MortgageRates #RealEstateTrends #HomeBuying #InvestmentProperties #ForeclosureData #2025MarketForecast #PatriotHomeMortgage #InfinityTitle #HomeFinance #RealEstateInsights #SouthernUtahRealEstate #MortgageExpert #RealEstateStatistics

Clear 2 Close Podcast EP058 Nerding Out on Credit: Tips, Tricks, and Common Questions

In this episode of the "Clear to Close Podcast," Mortgage N3rd, Ryan Bolton, a mortgage expert from Patriot Home Mortgage, dives deep into the world of credit scores while having some fun with his passion for all things 'nerdy.' Ryan discusses the fundamentals of building and improving credit, answering listener questions about the best strategies to boost credit scores quickly, the impact of using and managing credit cards, and misconceptions around credit repair. He tackles common concerns like the implications of canceling credit cards. The episode also emphasizes the importance of understanding credit reports and encourages listeners to be proactive about their financial health. Join Ryan as he shares valuable insights and practical advice to put you on the path to financial literacy and success.  If you are looking for a Mortgage N3rd for your next Home Loan in Utah or Nevada then Ryan is your guy!  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 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