Financial Tips: She's an independent mortgage broker focusing on accountability, consistency, and her innovative tools.
The Steve Harvey Morning Show31 Joulu 2024

Financial Tips: She's an independent mortgage broker focusing on accountability, consistency, and her innovative tools.

Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Latrease Price Gistard.

Aan independent mortgage broker based in Houston, Texas. Here are some key highlights and themes from the conversation:

🎙️ Guest Background: Latrease Price Gistard

  • Originally from San Antonio, Texas.
  • Background in finance since 1999, including investment operations and auto financing.
  • Co-owned a car dealership with her husband, focusing on first-time buyers.
  • Transitioned into mortgage financing, licensed in 2018, and became an independent broker in 2022.

🏡 Mortgage Expertise

  • Independent Mortgage Broker: Works with multiple lenders to find the best loan products for clients, including those with unique needs (e.g., self-employed, first-time buyers, citizenship issues).
  • Reverse Mortgages:
    • Typically for seniors 62+ with significant home equity.
    • No monthly payments; debt is repaid when the home is sold or refinanced.
    • Useful for those with limited retirement funds or high medical costs.
  • Zero Down Payment Programs:
    • Offers up to 3–5% assistance, either rolled into the mortgage or used for closing costs.
  • Credit Score Considerations:
    • Programs available for scores as low as 500, though higher down payments are required.
    • Offers “what-if” scenarios to help clients improve credit over time.

🛠️ Special Loan Programs

  • FHA 203(k) Loans:
    • Allows buyers to finance both the purchase and renovation of a home in one loan.
    • Covers anything from minor repairs to major remodeling.
  • One-Time Construction Loans:
    • Offered through United Wholesale Mortgage.
    • Combines land purchase and home construction into a single loan.

💡 Advice for Aspiring Mortgage Brokers

  • Ensure sufficient capital before going independent.
  • Build a strong client pipeline.
  • Be mindful of economic conditions (e.g., interest rates).
  • Avoid hiring unqualified friends or family—focus on business needs.

#STRAW

#BEST

#SHMS

Support the show: https://www.steveharveyfm.com/

See omnystudio.com/listener for privacy information.

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