In this episode of Work Hard, Play Hard, and Give Back, Mike Litzner sits down with Scott Rosenberg of CrossCountry Mortgage, a mortgage professional with 35 years of experience navigating every type of market cycle.

Scott breaks down today's mortgage landscape with clarity and candor from why Fed rate cuts don t always translate to lower mortgage rates, to the real differences between pre-approvals and commitment letters, rate locks, VA loans, first-time buyer programs, and jumbo financing.

He also shares practical advice for agents on strengthening offers, reducing deal risk, and educating buyers for smoother closings. The conversation goes beyond numbers, touching on ethics, long-term financial responsibility, market misconceptions, and the importance of doing right by clients even when it means saying no. If you re a real estate agent, buyer, or industry professional looking for real-world mortgage insight without the noise, this episode delivers real advice you can use.

Thank you for listening

Stay connected with us:

• Facebook: facebook.com/cbamhomes
• Instagram: instagram.com/cbamhomes
• Twitter: twitter.com/cbamhomes
• LinkedIn: linkedin.com/company/cbamhomes

Visit our website:

• cbamhomes.com

Interested in a career in real estate?

• Join our team: careers.cbamhomes.com

Need to get licensed?

• New York Real Estate Salesperson Classes: resnys.com/77-hr-new-york-real-estate-salesperson-classes-cb/

In this episode of Work Hard, Play Hard, and Give Back, Mike Litzner sits down with Sandra Caruso, Regional Manager of the Mount Sinai and Wading River offices for Coldwell Banker American Homes.

Sandra shares what it really takes to lead 100+ agents across two distinct markets, how her experience as an agent shapes her leadership style, and why understanding people, not just transactions, is the foundation of long-term success.

The conversation also goes inside the brand new Mount Sinai office, built from the ground up, including how modern spaces and in-house studios are helping agents elevate their marketing and better serve their clients.

From fiduciary responsibility and negotiation nuance to community involvement, mentorship, and giving back, this episode offers a behind the scenes look at leadership in today’s real estate landscape.

Thank you for listening

Stay connected with us:

• Facebook: facebook.com/cbamhomes
• Instagram: instagram.com/cbamhomes
• Twitter: twitter.com/cbamhomes
• LinkedIn: linkedin.com/company/cbamhomes

Visit our website:

• cbamhomes.com

Interested in a career in real estate?

• Join our team: careers.cbamhomes.com

Need to get licensed?

• New York Real Estate Salesperson Classes: resnys.com/77-hr-new-york-real-estate-salesperson-classes-cb/

Thank you for listening

Stay connected with us:

• Facebook: facebook.com/cbamhomes
• Instagram: instagram.com/cbamhomes
• Twitter: twitter.com/cbamhomes
• LinkedIn: linkedin.com/company/cbamhomes

Visit our website:

• cbamhomes.com

Interested in a career in real estate?

• Join our team: careers.cbamhomes.com

Need to get licensed?

• New York Real Estate Salesperson Classes: resnys.com/77-hr-new-york-real-estate-salesperson-classes-cb/