On this edition of the Loan Doctor podcast, Rich Brandt, the Loan Doctor, speaks with John Tolly of the JT Law Firm about property insurance claims, especially concerning recent changes in legislation and its impact on homeowners.

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The Loan Doctor, Rich Brandt, breaks down what makes buying a condominium different from buying a single family home, and why condo financing can get tricky, especially in Florida. He explains how lenders approve not only the borrower, but the entire condo project, and why things like HOA financial health, owner occupancy, investor concentration, single owner concentration, and even unanswered condo questionnaires can determine whether a loan gets approved.

This episode covers the key difference between warrantable and non warrantable condo projects, what FHA, Fannie Mae, Freddie Mac, and Ginnie Mae guidelines actually mean, and how down payment and property use impact your financing options. Rich also dives into the post Surfside changes that pushed HOA fees and assessments higher, why lenders are asking tougher structural questions, and how buyers and owners can navigate big assessments, including using equity when it makes sense.

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https://www.northpointe.com/home-lending/get-started/richard-brandt/

The Loan Doctor, Rich Brandt, sits down with financial advisor Noah Sharp of The Sharp Group at Oppenheimer & Co. Inc. to discuss how real estate, insurance, and annuities fit into a well-rounded financial plan. Noah shares how he helps clients clarify retirement goals, assess risk tolerance, and manage liquidity. The conversation covers practical strategies like using bond ladders for cash management before purchasing a home, why term insurance matters, and how small allocations to gold and cryptocurrency can act as a hedge. They also explore how AI is improving efficiency in financial planning and break down the key differences between short-term and long-term interest rates.

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https://www.linkedin.com/in/richard-brandt/

https://www.northpointe.com/home-lending/get-started/richard-brandt/