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The Brutally Honest Loan Officers: The Unfiltered Mortgage Minds

The Brutally Honest Loan Officers: The Unfiltered Mortgage Minds

Auteur(s): Stephen Brock and Derick Brown
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À propos de cet audio

 ”The Brutally Honest Loan Officers: The Unfiltered Mortgage Minds” is a refreshingly candid podcast hosted by two seasoned mortgage lenders, Stephen Brock NMLS 1926015 and Derick Brown NMLS 1640146, from The Mortgage Firm. This podcast cuts through the jargon and complexity of the mortgage industry, offering unfiltered insights and straightforward advice. Each episode delves into the often-overlooked aspects of mortgage lending, from navigating market trends to understanding credit scores. Our hosts bring their extensive experience and a touch of humor to demystify the mortgage process for consumers and realtors alike. Whether you’re a first-time homebuyer, a seasoned investor, or a real estate professional seeking to enhance your knowledge, this podcast is your go-to source for honest, actionable mortgage wisdom. Join us as we break down the walls of the lending world, one truth at a time. The Mortgage Firm NMLS 189233 Equal Housing Lender NC License # I-219794 CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE BANKER OR A LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550. THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV.Copyright 2023 All rights reserved. Économie
Épisodes
  • Don’t Toss That TRIM Notice What Florida Homeowners Need to Know

    Don’t Toss That TRIM Notice What Florida Homeowners Need to Know
    Sep 16 2025

    In this episode of The Brutally Honest Loan Officers Podcast, Derick and Stephen break down one of the most overlooked pieces of mail Florida homeowners receive every year: the TRIM Notice.

    They explain:

    • What a TRIM Notice actually is (and why it’s not your tax bill).

    • How mistakes on your assessed value can cost you thousands in property taxes.

    • Why changes to your TRIM Notice can directly increase your monthly mortgage payment.

    • Common homeowner questions on exemptions, millage rates, and appeals.

    • How Realtors can use TRIM season as a smart client touchpoint.

    If you own a home in Florida—or you’re a Realtor advising clients—this episode gives you the knowledge to save money and avoid surprises before the tax bill shows up in November.
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    27 min
  • Mortgage Rates Drop After a Shocking Jobs Report

    Mortgage Rates Drop After a Shocking Jobs Report
    Sep 8 2025

    This week, Stephen Brock and Derick Brown break down the shocking jobs report that shook the markets and sent mortgage rates lower. What does this really mean for buyers, sellers, and realtors? Stephen explains why the bond market moves faster than the Fed, how labor data is finally showing cracks, and why this might be the opportunity buyers have been waiting for.

    In this episode, you’ll learn:

    • Why mortgage rates dropped immediately after the jobs report

    • How the bond market leads while the Fed lags

    • What “labor over inflation” really means for housing

    • The brutally honest truth buyers and realtors need to hear right now

    📌 Don’t wait for the Fed’s blessing. The market has already moved.
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    23 min
  • The Million-Dollar Math of a 25-Year-Old

    The Million-Dollar Math of a 25-Year-Old
    Sep 5 2025

    In this episode of The Brutally Honest Loan Officers Podcast, Derick and Stephen unpack the inspiring story of a 25-year-old first-time homebuyer who’s already building wealth through smart money habits.

    They break down:

    • How starting with just $130 a month can grow into over $1 million by retirement.

    • The power of compound interest and why time—not income—is the real multiplier.

    • Why waiting for the “perfect” situation in real estate or investing can cost you years of growth.

    • How homeownership + consistent investing can work together to build generational wealth.

    Whether you’re in your 20s or 40s, this episode will change how you think about money, investing, and real estate.
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    30 min
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