<![CDATA[RAM Real Estate and Mortgage]]>Real Estate and Mortgage, "Beyond the Bank". Mortgage and Real Estate education for consumers. Education for all, Knowledge is power and when it comes to power, knowledge in Real Estate or mortgage products, how they work, and what options are available.

]]>https://www.youtube.com/channel/UCzJTKEQ6X0cz457A5QOfE6wRiverside.fm (https://riverside.com)Fri, 12 Jun 2026 13:06:59 GMTMon, 22 Dec 2025 17:49:20 GMT60Craig Steel<p>Real Estate and Mortgage, "Beyond the Bank". Mortgage and Real Estate education for consumers. Education for all, Knowledge is power and when it comes to power, knowledge in Real Estate or mortgage products, how they work, and what options are available.</p><p></p>episodicCraig Steelrealestateandmortgagepodcast@gmail.comno<![CDATA[Utah's Home Finder]]>The conversation covers a range of topics related to the real estate market, including the challenges faced by buyers and sellers, the impact of low interest rates, the importance of due diligence in home purchases, market conditions, and the trend of townhomes and condos vs. single-family detached homes. It also emphasizes the significance of financial qualification as the most important step in the home purchase process. The conversation explores the concept of the perfect home and how it is a myth. It delves into the emotional attachment people have to finding the ideal home and the unrealistic expectations that can result from this attachment.

Takeaways

  • Buyer's Market
  • Seller's Market Perfect home is a myth
  • Emotional attachment to a home can lead to unrealistic expectations

Chapters

  • 00:00 Introduction and Expert Introduction
  • 05:08 Challenges Faced by Home Buyers Due to Low Interest Rates
  • 10:56 Market Conditions for Buyers and Sellers
  • 18:18 Trends in Townhomes and Condos vs. Single Family Detached Homes
  • 24:33 The Myth of the Perfect Home
]]>fcea7699-5a28-46ed-a803-1c82c8bd76d1Tue, 14 Apr 2026 17:44:36 GMT<p>The conversation covers a range of topics related to the real estate market, including the challenges faced by buyers and sellers, the impact of low interest rates, the importance of due diligence in home purchases, market conditions, and the trend of townhomes and condos vs. single-family detached homes. It also emphasizes the significance of financial qualification as the most important step in the home purchase process. The conversation explores the concept of the perfect home and how it is a myth. It delves into the emotional attachment people have to finding the ideal home and the unrealistic expectations that can result from this attachment.</p><p></p><p>Takeaways</p><ul><li>Buyer's Market</li><li>Seller's Market Perfect home is a myth</li><li>Emotional attachment to a home can lead to unrealistic expectations</li></ul><p></p><p>Chapters</p><ul><li>00:00 Introduction and Expert Introduction</li><li>05:08 Challenges Faced by Home Buyers Due to Low Interest Rates</li><li>10:56 Market Conditions for Buyers and Sellers</li><li>18:18 Trends in Townhomes and Condos vs. Single Family Detached Homes</li><li>24:33 The Myth of the Perfect Home</li></ul>no00:49:40112Utah's Home Finderfull<![CDATA[Buy the house, get 13k.]]>Craig and Shain discuss the FHA solar program when purchasing or refinancing a house and the benefits of getting the 13k earned income payable at closing when you take advantage of the program. Affordable housing Advocates put together a great program to help client minimize their monthly outgo and help teach savings.

]]>4f04557d-47da-4bb7-b3e3-1caaa4238a0fTue, 03 Mar 2026 19:04:52 GMT<p>Craig and Shain discuss the FHA solar program when purchasing or refinancing a house and the benefits of getting the 13k earned income payable at closing when you take advantage of the program. Affordable housing Advocates put together a great program to help client minimize their monthly outgo and help teach savings.</p>no00:21:55110Buy the house, get 13k.full<![CDATA[Wholesaling Real Estate]]>The conversation covers an introduction to real estate and mortgage, Phyllis Rodriguez's background and experience, her real estate investing journey, and a detailed exploration of wholesaling in real estate. The discussion provides insights into creative real estate investing and the process of wholesaling, offering valuable knowledge for both professionals and individuals interested in real estate. The conversation delves into the importance of disclosure and compliance in real estate wholesaling, emphasizing the need for due diligence and clear documentation to ensure legal and ethical practices.

Takeaways

  • Creative Real Estate Investing
  • Wholesaling in Real Estate Disclosure is crucial
  • Compliance and due diligence are essential

Chapters

  • 00:00 The Process of Wholesaling and Finding Buyers
  • 22:56 Real Estate Wholesaling and Disclosure
]]>c3784f92-6514-416c-86d6-d6db4d649b09Wed, 25 Feb 2026 17:21:39 GMT<p>The conversation covers an introduction to real estate and mortgage, Phyllis Rodriguez's background and experience, her real estate investing journey, and a detailed exploration of wholesaling in real estate. The discussion provides insights into creative real estate investing and the process of wholesaling, offering valuable knowledge for both professionals and individuals interested in real estate. The conversation delves into the importance of disclosure and compliance in real estate wholesaling, emphasizing the need for due diligence and clear documentation to ensure legal and ethical practices.</p><p></p><p>Takeaways</p><ul><li>Creative Real Estate Investing</li><li>Wholesaling in Real Estate Disclosure is crucial</li><li>Compliance and due diligence are essential</li></ul><p></p><p>Chapters</p><ul><li>00:00 The Process of Wholesaling and Finding Buyers</li><li>22:56 Real Estate Wholesaling and Disclosure</li></ul>no00:46:3419Wholesaling Real Estatefull<![CDATA[Appraisals, why and what.]]>Get to know the ins and outs of appraisals in the real estate and mortgage transaction. 32 yr expert in appraisals including what adds value and what doesnt.

]]>c4458587-4294-41cd-a424-5216d3856e95Tue, 24 Feb 2026 01:45:00 GMT<p>Get to know the ins and outs of appraisals in the real estate and mortgage transaction. 32 yr expert in appraisals including what adds value and what doesnt.</p>no00:43:4718Appraisals, why and what.full<![CDATA[Why Title Insurance is important]]>Two seasoned veteran real estate professionals talk about the reason title insurance exists and why its a good Idea to have it on any real estate transaction.

Deep dive

]]>be44bd12-9fed-459b-97ee-c816fc077e00Wed, 04 Feb 2026 22:17:24 GMT<p>Two seasoned veteran real estate professionals talk about the reason title insurance exists and why its a good Idea to have it on any real estate transaction.</p><p>Deep dive</p>no00:32:5118Why Title Insurance is importantfull<![CDATA[Navigating the Mortgage Maze: Insights from Industry Experts]]>In this conversation, Craig Steel hosts Bryce Long and Steve Wilkinson of Veritas Funding to discuss the intricacies of the mortgage industry, focusing on direct lending, capital markets, and the factors influencing mortgage rates. They explore the current landscape of mortgage rates, affordability challenges for homebuyers, and the potential resurgence of adjustable-rate mortgages. The discussion also touches on the economic events that impact the housing market and offers advice for first-time homebuyers.

]]>35cf6110-cb49-4a82-b93c-60f8fb96b04eThu, 08 Jan 2026 22:54:58 GMT<p>In this conversation, Craig Steel hosts Bryce Long and Steve Wilkinson of Veritas Funding to discuss the intricacies of the mortgage industry, focusing on direct lending, capital markets, and the factors influencing mortgage rates. They explore the current landscape of mortgage rates, affordability challenges for homebuyers, and the potential resurgence of adjustable-rate mortgages. The discussion also touches on the economic events that impact the housing market and offers advice for first-time homebuyers.</p>no00:42:0017Navigating the Mortgage Maze: Insights from Industry Expertsfull<![CDATA[So you want to buy a Home in UT]]>Sarah Parris with EXP realty and RAM real Estate and Mortgage talk about the general market and our favorite clients which is first time home buyers. We even talk about a joint client that got into their first home with literally no money and walked away with a check.

]]>c9ab108c-388a-4ed0-91af-6b866cbed566Thu, 08 Jan 2026 01:31:08 GMT<p>Sarah Parris with EXP realty and RAM real Estate and Mortgage talk about the general market and our favorite clients which is first time home buyers. We even talk about a joint client that got into their first home with literally no money and walked away with a check.</p>no00:23:4316So you want to buy a Home in UTfull<![CDATA[When to upgrade your home!]]>When you've outgrown your current home or just want a new one, Edge homes has some great deals.

]]>db97e9a7-910a-4679-9635-f441851a35c0Tue, 06 Jan 2026 23:28:17 GMT<p>When you've outgrown your current home or just want a new one, Edge homes has some great deals.</p>no00:03:4115When to upgrade your home!full<![CDATA[Courageous Investing.]]>Investing in what you are passionate about. True life sotry about investing out of your area and some of the pitfalls. Follow your passion but educate yourself.

]]>c8e6bcfc-79f1-4683-bed7-4d08806ae868Tue, 30 Dec 2025 00:41:33 GMT<p>Investing in what you are passionate about. True life sotry about investing out of your area and some of the pitfalls. Follow your passion but educate yourself.</p>no00:34:2214Courageous Investing.full<![CDATA[FHA 3.5% down]]>The conversation covers the different down payment options for FHA, VA, USDA, and conventional loans, as well as income restrictions for certain loan programs.

Takeaways

  • FHA loan allows for a 3.5% down payment
  • VA and USDA loans require no down payment
  • Conventional loans have different down payment options, including 5% and 3%
  • Income restrictions may apply to the 3% down program through Fannie or Freddie

Chapters

  • 00:00 Exploring Conventional Loan Programs
]]>49ec542b-578b-47bf-b94a-fcd0228761dbMon, 29 Dec 2025 22:16:36 GMT<p>The conversation covers the different down payment options for FHA, VA, USDA, and conventional loans, as well as income restrictions for certain loan programs.</p><p></p><p>Takeaways</p><ul><li>FHA loan allows for a 3.5% down payment</li><li>VA and USDA loans require no down payment</li><li>Conventional loans have different down payment options, including 5% and 3%</li><li>Income restrictions may apply to the 3% down program through Fannie or Freddie</li></ul><p></p><p>Chapters</p><ul><li>00:00 Exploring Conventional Loan Programs</li></ul>no00:01:0713FHA 3.5% downtrailer<![CDATA[9% Seller concessions New Homes]]>The conversation covers a range of topics including Riley's health, builder incentives, real estate market trends, Edge Homes and community offerings, Tesla and real estate investment, realtor representation, and market predictions for 2026.

Takeaways

  • Real estate market trends
  • Builder incentives

Chapters

  • 00:00 Introduction and Personal Update
  • 06:36 Edge Homes and Community Offerings
  • 11:51 Tesla and Real Estate Investment
  • 19:58 Realtor Representation and Market Predictions
]]>f19f684d-3d9a-4d40-8cdf-f37789245404Tue, 23 Dec 2025 19:01:52 GMT<p>The conversation covers a range of topics including Riley's health, builder incentives, real estate market trends, Edge Homes and community offerings, Tesla and real estate investment, realtor representation, and market predictions for 2026.</p><p></p><p>Takeaways</p><ul><li>Real estate market trends</li><li>Builder incentives</li></ul><p></p><p>Chapters</p><ul><li>00:00 Introduction and Personal Update</li><li>06:36 Edge Homes and Community Offerings</li><li>11:51 Tesla and Real Estate Investment</li><li>19:58 Realtor Representation and Market Predictions</li></ul>no00:23:51129% Seller concessions New Homesfull<![CDATA[Shoes for Soldiers]]>Now might be the right time to buy a house, as sellers are willing to help with closing costs or even temporary buydowns on your interest rate. Join me with Shain Davis from the Davis realty team in Phoenix Arizona, as we discuss home buying and giving back to the community through a Veterans program.

]]>c23ad489-2467-41c0-a3a6-a4eec4525b4eMon, 22 Dec 2025 19:37:47 GMT<p>Now might be the right time to buy a house, as sellers are willing to help with closing costs or even temporary buydowns on your interest rate. Join me with Shain Davis from the Davis realty team in Phoenix Arizona, as we discuss home buying and giving back to the community through a Veterans program.</p>no00:03:5811Shoes for Soldiersfull