In this episode, we interview Paul Sian. Pual is a realtor and attorney based out of Cincinnati Ohio. We specifically talk about new home construction for first time homebuyers. How doe new home construction work for first time homebuyers and what to watch out for. We talk about having an attorney on your team and whether or not that’s necessary. You’ll learn a ton from this episode!
\n\n\n\nEnjoy and make sure to ask us any questions you have.
\n\nCheck out Paul's Blog: www.realcincy.com
","summary":"Paul Sion ","date_published":"2020-02-07T15:00:00.000-07:00","attachments":[{"url":"https://aphid.fireside.fm/d/1437767933/f6c745e4-9ad4-41b9-b80e-43887ca3b8d2/68aff9ac-84af-40cf-a81f-bd5abda0f336.mp3","mime_type":"audio/mp3","size_in_bytes":46273422,"duration_in_seconds":1424}]},{"id":"2fbdf33f-5648-4820-96cd-8dd4eedd5aad","title":"Episode 15: David Sidoni: How To Buy a House","url":"https://closingday.fireside.fm/davidsidoni","content_text":"In this episode, we interview David Sidoni: known as the “How to Buy a Home Guy.” Certainly the perfect guest for Closing Day! We talk about the 20% rule and why it's more of a guideline than a rule in some cases. We debate Dave Ramsey's thoughts on real estate and we dive head first into the myths of real estate. David has a wealth of knowledge that he shared on the topics of saving, starting your home buying process and building your team.\n\nhttps://www.facebook.com/HowtoBuyaHomeGuy/\nhttps://www.listennotes.com/podcasts/how-to-buy-a-home-david-sidoni-yl2PaSwqfxv/\nhttps://davidsidoni.com/\n\nVisit our website to contact us and for more information about Closing Day!\nYou can also find us on Instagram @Closing_Day_Podcast and on Facebook at Closing Day Podcast.","content_html":"In this episode, we interview David Sidoni: known as the “How to Buy a Home Guy.” Certainly the perfect guest for Closing Day! We talk about the 20% rule and why it's more of a guideline than a rule in some cases. We debate Dave Ramsey's thoughts on real estate and we dive head first into the myths of real estate. David has a wealth of knowledge that he shared on the topics of saving, starting your home buying process and building your team.
\n\nhttps://www.facebook.com/HowtoBuyaHomeGuy/
\nhttps://www.listennotes.com/podcasts/how-to-buy-a-home-david-sidoni-yl2PaSwqfxv/
\nhttps://davidsidoni.com/
Visit our website to contact us and for more information about Closing Day!
\nYou can also find us on Instagram @Closing_Day_Podcast and on Facebook at Closing Day Podcast.
We’re back with Closing Day! We sat down with Tia Moore, Realtor and owner of NextView home professionals. When are you ready to buy a house? What percentage of first-time homebuyers land 100% of their must-haves on their list, and what are the first steps, like step zero-one to getting started. We answer all of these quesitons and more. Oh, and the audio cut out at the beginning of the episode so we sort of jump right in :)
\n\n*Resources: *
\nBankRate Mortgage Calculator
\nThree Factors to Consider
Visit our website to contact us and for more information about Closing Day!
\nYou can also find us on Instagram @Closing_Day_Podcast and on Facebook at Closing Day Podcast.
We’re back with another episode of Closing Day featuring Chris Naro. Chris Naro is a realtor and Co-Founder of The Montana Real Estate Consultants. He’s in the business of helping people and he helps us understand why some markets take-off with high home prices and others cruise right along. We specifically dive into first time homebuying strategies and building your team. Make sure to listen to the part where we discuss the topic of whether a home is an asset or a liability.
\n\nhttps://www.coldwellbanker.com/Coldwell-Banker-Distinctive-Properties-11781c/Chris-Naro-7453787a
\n\nVisit our website to contact us and for more information about Closing Day!
\nYou can also find us on Instagram @Closing_Day_Podcast and on Facebook at Closing Day Podcast.
Welcome back to closing day!
\n\nWe took a break there from the end of season one to figure out what to do next. Our answer, bring in more experts to help make first time homebuyers confident savers, seekers and negotiators. And what better way to kick things off than with a real-estate investor.
\n\nIn this episode, we talk with Matt Walker. Matt is a full time real estate investor and partner at Gallatin Capital Group. Matt lives in Big Sky Montana and took time out of his ski-day to chat with us. Matt and I first met at the Bigger Pockets conference in Nashville and of course, both being from Montana: connected pretty quickly on the growth and opportunity happening in the real estate world that is the Big Sky State.
\n\nWe talk about first time homebuyers and how Matt purchased his first condo without a realtor. How does that work? We talk about condo vs. single family in red-hot markets and we talk about the Dave Ramsey theory of owning your house without any debt.
\n\nEnjoy the episode and as always, let us know if you have any questions we can help with.
\nhttps://www.instagram.com/gallatincapitalgroup/
Visit our website to contact us and for more information about Closing Day!
\nYou can also find us on Instagram @Closing_Day_Podcast and on Facebook at Closing Day Podcast.
Kassi and Kyle work together to recap all ten episodes from season one. They highlight the guests and major takeaways from each episode to create a comprehensive review of season one before jumping into season two!
\n\n*Resources: *
\n\nFirst-Time Home Buyer Programs By State - https://www.nerdwallet.com/blog/mortgages/first-time-home-buyer-programs-by-state/
\nBuying a Home - https://www.hud.gov/topics/buying_a_home
Visit our website to contact us and for more information about Closing Day!
\nYou can also find us on Instagram @Closing_Day_Podcast and on Facebook at Closing Day Podcast.
On the tenth episode of Closing Day, we talk all about the home selection process. Kyle interviews Julie Gardner, a realtor with ERA Lambros Real Estate here in Missoula, Montana where she helps individuals sell and buy both commercial and residential property. Julie is a third generation realtor and was a practicing attourney before she jumped into real estate.
\n\nTopics addressed in this episode:
\n\nKyle and Julie dive into these topics and more giving listeners great information and tangible action steps that can be taken to help them reach their own Closing Day on their first home!
\n\n*Resources: *
\nQuiet by Susan Cain - https://www.quietrev.com/quiet-the-book/
\nThe Five Most Common Home-Buying Contingencies, Explained - https://www.forbes.com/sites/taramastroeni/2018/08/27/the-five-most-common-home-buying-contingencies-explained/#48d4b85f3786
\nA Home Buying Checklist: Organize Your Wants and Needs - https://www.moneyunder30.com/home-buying-checklist-wants-vs-needs
\n10 First-Time Home Buyer Grants and Programs - https://thelendersnetwork.com/8-first-time-home-buyer-grants-programs/
You can contact Julie by visiting her website.
\nVisit our website to contact us and for more information about Closing Day!
\nYou can also find us on Instagram @Closing_Day_Podcast and on Facebook at Closing Day Podcast.
Special Guest: Julie Gardner.
","summary":"Julie Gardner, a realtor with ERA Lambros Real Estate, joins our host Kyle Pucko to share her industry knowledge. They talk about the buy-sell contract, backing out of an offer, setting priorities, and much more. Listen to this episode for more information on how a realtor helps you get to closing day! ","date_published":"2019-05-10T11:00:00.000-06:00","attachments":[{"url":"https://aphid.fireside.fm/d/1437767933/f6c745e4-9ad4-41b9-b80e-43887ca3b8d2/5b4711d8-629d-4027-9c01-6215e46fc0d9.mp3","mime_type":"audio/mp3","size_in_bytes":38668437,"duration_in_seconds":2253}]},{"id":"79a65033-66e0-4bc1-b8f2-ef5739b29477","title":"Closing Day Podcast 9: Home Loan Programs for All Shapes and Hourly Rates","url":"https://closingday.fireside.fm/episode-9-down-payment-assistance","content_text":"On the ninth episode of Closing Day, we discuss downpayment assistance programs. Kyle interviews Dave Glaser, the President and CEO of MoFi here in Missoula, Montana where he helps make funding opportunties available to many people throughout the community, state and region. MoFi's program, HomeNow, is a great example of a downpayment assistance program and Dave shares very valuable information on the topic. \n\nTopics addressed in this episode: \n\n\nWhat down payment assistance actually is\nWho can receive down payment assistance\nHow you can find it in your own community\nHow it works with your lender of choice \n*BONUS: Dave shares a very intersting story about his real-life experience in a mutiny at sea! \n\n\nDave and Kyle dive into these topics and more giving listeners great information and tangible action steps that can be taken to help them reach their own Closing Day on their first home! \n\n*Resources: *\nMoFi HomeNow - https://www.mofi.org/homenow/homenow-down-payment-assistance/\nWhat Are Some Down Payment Assistance Programs?\nA New Angle Podcast - https://smartasset.com/mortgage/down-payment-assistance-programs)\n[A New Angle Podcast](http://anewanglepodcast.com/\nThe Millionaire Next Door by Thomas J. Stanley, Ph.D. and William D. Danko Ph.D. - http://www.thomasjstanley.com/publication/the-millionaire-next-door/\n\nYou can contact Dave at 406-728-9234. \nVisit our website to contact us and for more information about Closing Day!\nYou can also find us on Instagram @Closing_Day_Podcast and on Facebook at Closing Day Podcast.Special Guest: Dave Glaser.","content_html":"On the ninth episode of Closing Day, we discuss downpayment assistance programs. Kyle interviews Dave Glaser, the President and CEO of MoFi here in Missoula, Montana where he helps make funding opportunties available to many people throughout the community, state and region. MoFi's program, HomeNow, is a great example of a downpayment assistance program and Dave shares very valuable information on the topic.
\n\nTopics addressed in this episode:
\n\nDave and Kyle dive into these topics and more giving listeners great information and tangible action steps that can be taken to help them reach their own Closing Day on their first home!
\n\n*Resources: *
\nMoFi HomeNow - https://www.mofi.org/homenow/homenow-down-payment-assistance/
\nWhat Are Some Down Payment Assistance Programs?
\nA New Angle Podcast - https://smartasset.com/mortgage/down-payment-assistance-programs)
\n[A New Angle Podcast](http://anewanglepodcast.com/
\nThe Millionaire Next Door by Thomas J. Stanley, Ph.D. and William D. Danko Ph.D. - http://www.thomasjstanley.com/publication/the-millionaire-next-door/
You can contact Dave at 406-728-9234.
\nVisit our website to contact us and for more information about Closing Day!
\nYou can also find us on Instagram @Closing_Day_Podcast and on Facebook at Closing Day Podcast.
Special Guest: Dave Glaser.
","summary":"Dave Glaser, President and CEO of MoFi joins our host Kyle Pucko to talk about down payment assistance programs. Dave loves to see his community and the state of Montana flourish thanks to home ownership and has great information to share about today's topic. ","date_published":"2019-05-07T12:00:00.000-06:00","attachments":[{"url":"https://aphid.fireside.fm/d/1437767933/f6c745e4-9ad4-41b9-b80e-43887ca3b8d2/79a65033-66e0-4bc1-b8f2-ef5739b29477.mp3","mime_type":"audio/mp3","size_in_bytes":28839474,"duration_in_seconds":1671}]},{"id":"dff8c042-7461-4222-9c96-7dd175e6d4f8","title":"Closing Day Podcast 8: What's a Title and Should I Care?","url":"https://closingday.fireside.fm/episode-8-title-company","content_text":"On the eighth episode of Closing Day, we talk about title companies. Kyle interviews Nissa Liesz, the Business Development Professional at First American Title Company here in Missoula, Montana where she has experience in basically every roll within the company. Full of experience and knowledge from her time working her way up in the company, Nissa has a lot of great tips for the Closing Day listeners! \n\nTopics addressed in this episode: \n\n\nWhat a title company actually does\nEarnest money\nEscrow\nWhat happens on closing day\nSettlement statements and closing disclosures\nFinances\nHow to create a strong team\n\n\nKyle and Nissa dive into these topics and more giving listeners great information and tangible action steps that can be taken to help them reach their own Closing Day on their first home! \n\n*Resources: *\nFirst Amerian Title Company - https://www.gofirstam.com/index.html\nFirst American Title Company: Montana Homebuyer's Guide - http://www.gofirstam.com/resources/montana-homebuyer-guide.html\nFirst American Title Company Calculators (Calculate Your Rate, Mortgage, and Closing Costs) - https://www.gofirstam.com/tools.html\nEarnest Money: What You Need To Know And How Much Is Enough? - https://thecollegeinvestor.com/22426/earnest-money/\nYou Are a Badass by Jen Sincero - https://jensincero.com/\n\nYou can find Nissa's contact information here. \n\nVisit our website to contact us and for more information about Closing Day!\nYou can also find us on Instagram @Closing_Day_Podcast and on Facebook at Closing Day Podcast.Special Guest: Nissa Liesz.","content_html":"On the eighth episode of Closing Day, we talk about title companies. Kyle interviews Nissa Liesz, the Business Development Professional at First American Title Company here in Missoula, Montana where she has experience in basically every roll within the company. Full of experience and knowledge from her time working her way up in the company, Nissa has a lot of great tips for the Closing Day listeners!
\n\nTopics addressed in this episode:
\n\nKyle and Nissa dive into these topics and more giving listeners great information and tangible action steps that can be taken to help them reach their own Closing Day on their first home!
\n\n*Resources: *
\nFirst Amerian Title Company - https://www.gofirstam.com/index.html
\nFirst American Title Company: Montana Homebuyer's Guide - http://www.gofirstam.com/resources/montana-homebuyer-guide.html
\nFirst American Title Company Calculators (Calculate Your Rate, Mortgage, and Closing Costs) - https://www.gofirstam.com/tools.html
\nEarnest Money: What You Need To Know And How Much Is Enough? - https://thecollegeinvestor.com/22426/earnest-money/
\nYou Are a Badass by Jen Sincero - https://jensincero.com/
You can find Nissa's contact information here.
\n\nVisit our website to contact us and for more information about Closing Day!
\nYou can also find us on Instagram @Closing_Day_Podcast and on Facebook at Closing Day Podcast.
Special Guest: Nissa Liesz.
","summary":"Nissa Liesz, the Business Development Professional at First American Title Company joins our host Kyle Pucko to talk about what it is like to work with a title company. They talk vocab words you should know, financial advice, and what happens on closing day! So your offer has been accepted - what happens next? Find out here! ","date_published":"2019-05-06T10:00:00.000-06:00","attachments":[{"url":"https://aphid.fireside.fm/d/1437767933/f6c745e4-9ad4-41b9-b80e-43887ca3b8d2/dff8c042-7461-4222-9c96-7dd175e6d4f8.mp3","mime_type":"audio/mp3","size_in_bytes":30476040,"duration_in_seconds":1922}]},{"id":"2f82a300-a9ce-488c-92b6-d332317e976d","title":"Closing Day Podcast 7: Home Inspection: Just Do It!","url":"https://closingday.fireside.fm/episode-7-home-inspection","content_text":"On the seventh episode of Closing Day, we talk about home inspections. Kyle interviews Emmon Snyder, a home inspector from ES Ventures, INC. here in Missoula, Montana. With experience in both construction and insurance and as the owner of his own home inspection business, Emmon has a wealth of knowledge to share!\n\nTopics addressed in this episode: \n\n\nWhat a home inspection is \nWhen to contact a home inspector\nWhat the home inspector does when in the home\nWhether or not it is required to get an inspection\nHow to choose an inspector\nImportant questions to ask your inspector such as: \n\n\nDo you have construction experience? Do you have general liability insurance? Do you have error and omission insurance? Are you a member of a national organization? \n\n\n\nKyle and Emmon dive into these topics and more giving listeners great information and tangible action steps that can be taken to help them reach their own Closing Day on their first home! \n\nThe average price for a home inspection is about $400 in Montana, but it depends on square footage of the home and additional tests you might choose to purchase.\n\n*Resources: *\nES Ventures, INC. - http://esventuresinc.com/\n8 Tips to Find the Best Home Inspector - https://realestate.usnews.com/real-estate/articles/tips-to-find-the-best-home-inspector\nWhat Is A Home Inspection And How Do I Hire An Inspector? - https://www.forbes.com/sites/jordanlulich/2018/06/18/what-is-a-home-inspection-and-how-do-i-hire-an-inspector/#62c1e69d1934\nWhat Does a Home Inspector Look For? A Whole Lot - https://www.realtor.com/advice/buy/what-does-a-home-inspector-look-for/\n\nYou can contact Emmon at 406-506-2280 or Emmon@ESVenturesINC.com.\n\nVisit our website to contact us and for more information about Closing Day!\nYou can also find us on Instagram @Closing_Day_Podcast and on Facebook at Closing Day Podcast.Special Guest: Emmon Snyder.","content_html":"On the seventh episode of Closing Day, we talk about home inspections. Kyle interviews Emmon Snyder, a home inspector from ES Ventures, INC. here in Missoula, Montana. With experience in both construction and insurance and as the owner of his own home inspection business, Emmon has a wealth of knowledge to share!
\n\nTopics addressed in this episode:
\n\nKyle and Emmon dive into these topics and more giving listeners great information and tangible action steps that can be taken to help them reach their own Closing Day on their first home!
\n\nThe average price for a home inspection is about $400 in Montana, but it depends on square footage of the home and additional tests you might choose to purchase.
\n\n*Resources: *
\nES Ventures, INC. - http://esventuresinc.com/
\n8 Tips to Find the Best Home Inspector - https://realestate.usnews.com/real-estate/articles/tips-to-find-the-best-home-inspector
\nWhat Is A Home Inspection And How Do I Hire An Inspector? - https://www.forbes.com/sites/jordanlulich/2018/06/18/what-is-a-home-inspection-and-how-do-i-hire-an-inspector/#62c1e69d1934
\nWhat Does a Home Inspector Look For? A Whole Lot - https://www.realtor.com/advice/buy/what-does-a-home-inspector-look-for/
You can contact Emmon at 406-506-2280 or Emmon@ESVenturesINC.com.
\n\nVisit our website to contact us and for more information about Closing Day!
\nYou can also find us on Instagram @Closing_Day_Podcast and on Facebook at Closing Day Podcast.
Special Guest: Emmon Snyder.
","summary":"Emmon Snyder from ES Ventures, INC. joins our host Kyle Pucko to talk about home inspections. They talk about finding a good inspector, when the inspection takes place, and some not-so-obvious questions you should be asking. Should you get a home inspection? Find out here! ","date_published":"2019-05-03T13:00:00.000-06:00","attachments":[{"url":"https://aphid.fireside.fm/d/1437767933/f6c745e4-9ad4-41b9-b80e-43887ca3b8d2/2f82a300-a9ce-488c-92b6-d332317e976d.mp3","mime_type":"audio/mp3","size_in_bytes":29602833,"duration_in_seconds":1922}]},{"id":"9490f01f-ced4-4f2f-baf6-11c197d04c97","title":"Closing Day Podcast 6: 30 Years to Life. The Mortgage Episode.","url":"https://closingday.fireside.fm/episode-6-what-is-a-broker","content_text":"On the sixth episode of Closing Day, we discuss the difference between a lender and a broker and what happens after you make an offer. Kyle interviews Cathy Swofford, a broker at Missoula Mortgage where she helps people find the loan they need to get into a home. She is a vetern of the US Air Force and has many years of experience as a broker in the state of Montana. \n\nTopics addressed in this episode: \n\n\nThe difference between a lender and a broker\nHome inspections \nChoosing a broker/lender\nHome improvements and bad inspection reports\nAsking the seller to make improvements\nUsing loans to pay for repairs\nEarnest money\nTitle companies\nThe underwriting process\n\n\nKyle and Cathy dive into these topics and more giving listeners great information and tangible action steps that can be taken to help them reach their own Closing Day on their first home! \n\n*Resources: *\nMissoula Mortgage - https://www.missoulamortgage.net/\nEarnest Money: What You Need to Know and How Much is Enough? - https://thecollegeinvestor.com/22426/earnest-money/\nWhat are Title Companies and What Do They Do? - https://thelendersnetwork.com/what-does-a-title-company-do/\nMortgage Underwriting: How to Ensure a Smooth Underwriting Process - https://thelendersnetwork.com/what-is-mortgage-underwriting/\n\nVisit our website to contact us and for more information about Closing Day!\nYou can also find us on Instagram @Closing_Day_Podcast and on Facebook at Closing Day Podcast.\n\nCathy can be contacted at:\nEmail: mslamtg@gmail.com \nPhone: 406-721-0331 Special Guest: Cathy Swofford.","content_html":"On the sixth episode of Closing Day, we discuss the difference between a lender and a broker and what happens after you make an offer. Kyle interviews Cathy Swofford, a broker at Missoula Mortgage where she helps people find the loan they need to get into a home. She is a vetern of the US Air Force and has many years of experience as a broker in the state of Montana.
\n\nTopics addressed in this episode:
\n\nKyle and Cathy dive into these topics and more giving listeners great information and tangible action steps that can be taken to help them reach their own Closing Day on their first home!
\n\n*Resources: *
\nMissoula Mortgage - https://www.missoulamortgage.net/
\nEarnest Money: What You Need to Know and How Much is Enough? - https://thecollegeinvestor.com/22426/earnest-money/
\nWhat are Title Companies and What Do They Do? - https://thelendersnetwork.com/what-does-a-title-company-do/
\nMortgage Underwriting: How to Ensure a Smooth Underwriting Process - https://thelendersnetwork.com/what-is-mortgage-underwriting/
Visit our website to contact us and for more information about Closing Day!
\nYou can also find us on Instagram @Closing_Day_Podcast and on Facebook at Closing Day Podcast.
Cathy can be contacted at:
\nEmail: mslamtg@gmail.com
\nPhone: 406-721-0331
Special Guest: Cathy Swofford.
","summary":"Cathy Swofford from Missoula Mortgage joins our host Kyle Pucko to talk about what brokers do in the home buying process. They talk earnest money, interest rates, and title companies. Does the process of actually purchasing your home stress you out? Listen to this episode for some tips on what happens post-offer.","date_published":"2019-04-05T08:00:00.000-06:00","attachments":[{"url":"https://aphid.fireside.fm/d/1437767933/f6c745e4-9ad4-41b9-b80e-43887ca3b8d2/9490f01f-ced4-4f2f-baf6-11c197d04c97.mp3","mime_type":"audio/mp3","size_in_bytes":31458096,"duration_in_seconds":1896}]},{"id":"7c6268a2-9244-4c5d-bba2-a69538466a51","title":"Closing Day Podcast 5: Real Talk. Real Estate Agents.","url":"https://closingday.fireside.fm/episode-5-your-realtor","content_text":"On the fifth episode of Closing Day, we talk about what it looks like to work with a realtor! Kyle interviews Andrew Squires, a realistate advisor with Engel & Volkers Western Frontier here in Missoula. Andrew has a background in business, education, and real estate, all of which have given him a powerful outlook on the home-buying process, helping our listeners get into their first home! \n\nTopics addressed in this episode: \n\n\nWhat a realtor does\nHow to choose a realtor\nMeeting with your realtor\nTaking hold of the authority you have as a buyer\nHow many houses to look at before buying\nHow long it takes to get into your new home\nHow a realtor makes money \nErnest money \nMaking an offer on a home\n\n\nKyle and Andrew dive into these topics and more giving listeners great information and tangible action steps that can be taken to help them reach their own Closing Day on their first home! \n\n*Resources: *\nHow to choose the perfect real estate agent - https://www.washingtonpost.com/brand-studio/wp/2018/10/03/how-to-choose-the-perfect-real-estate-agent/?utm_term=.33b07ee186f2\n9 Things To Look For When Touring An Open House - https://www.forbes.com/sites/trulia/2014/06/20/9-things-to-look-for-when-touring-an-open-house/#16a82d23f94f\nShoe Dog by Phil Knight - https://www.amazon.com/Shoe-Dog-Memoir-Creator-Nike-ebook/dp/B0176M1A44\nHow Realtors Work - https://home.howstuffworks.com/real-estate/buying-home/realtor5.htm\n\nVisit our website to contact us and for more information about Closing Day!\nYou can also find us on Instagram @Closing_Day_Podcast and on Facebook at Closing Day Podcast.\n\n*Contact Andrew Squires: *\nDirect: 1-406-531-9682\nInternet: https://andrewsquires.evusa.com/en/about-me.php\nEmail: andrew.squires@evusa.com\nFacebook: @andrewsquiresrealty\nInstagram: @andrewsquiresrealestateSpecial Guest: Andrew Squires.","content_html":"On the fifth episode of Closing Day, we talk about what it looks like to work with a realtor! Kyle interviews Andrew Squires, a realistate advisor with Engel & Volkers Western Frontier here in Missoula. Andrew has a background in business, education, and real estate, all of which have given him a powerful outlook on the home-buying process, helping our listeners get into their first home!
\n\nTopics addressed in this episode:
\n\nKyle and Andrew dive into these topics and more giving listeners great information and tangible action steps that can be taken to help them reach their own Closing Day on their first home!
\n\n*Resources: *
\nHow to choose the perfect real estate agent - https://www.washingtonpost.com/brand-studio/wp/2018/10/03/how-to-choose-the-perfect-real-estate-agent/?utm_term=.33b07ee186f2
\n9 Things To Look For When Touring An Open House - https://www.forbes.com/sites/trulia/2014/06/20/9-things-to-look-for-when-touring-an-open-house/#16a82d23f94f
\nShoe Dog by Phil Knight - https://www.amazon.com/Shoe-Dog-Memoir-Creator-Nike-ebook/dp/B0176M1A44
\nHow Realtors Work - https://home.howstuffworks.com/real-estate/buying-home/realtor5.htm
Visit our website to contact us and for more information about Closing Day!
\nYou can also find us on Instagram @Closing_Day_Podcast and on Facebook at Closing Day Podcast.
*Contact Andrew Squires: *
\nDirect: 1-406-531-9682
\nInternet: https://andrewsquires.evusa.com/en/about-me.php
\nEmail: andrew.squires@evusa.com
\nFacebook: @andrewsquiresrealty
\nInstagram: @andrewsquiresrealestate
Special Guest: Andrew Squires.
","summary":"Andrew Squires with Engel & Volkers Western Frontier joins our host Kyle Pucko to discuss the role of a realtor in the home buying process. They talk how to choose a realtor, what to expect when viewing houses, and how to find the home for you! ","date_published":"2019-03-26T08:00:00.000-06:00","attachments":[{"url":"https://aphid.fireside.fm/d/1437767933/f6c745e4-9ad4-41b9-b80e-43887ca3b8d2/7c6268a2-9244-4c5d-bba2-a69538466a51.mp3","mime_type":"audio/mp3","size_in_bytes":42290303,"duration_in_seconds":2305}]},{"id":"4a27bfea-71ca-49a9-903c-5dd5a9c69bba","title":"Closing Day Podcast 4: Your New Best Friend: Loan Officers 101","url":"https://closingday.fireside.fm/episode-4-understanding-your-mortgage","content_text":"On the fourth episode of Closing Day, we talk about what it looks like to work with your lender as closing day approaches. Kyle interviews Julie Lapham, a loan officer with Mann Mortgage here in Missoula, Montana. With over 20 years of experience as a loan officer, Julie is an advocate for a simple, educational experience throughout the lending process. \n\nTopics addressed in this episode: \n\n\nSelecting a lender\nSafeguards in place to protect the buyer\nPre approval \nLoan rate locks\nBuying down interest rates and mortgage insurance\nUnderstanding closing costs, origination fees, and taxes\nDownpayment gifting\nThe 4 types of mortgages\nThe dos and don’ts of the lending process\n\n\nKyle and Julie dive into these topics and more giving listeners great information and tangible action steps that can be taken to help them reach their own Closing Day on their first home! \n\n*Resources: *\nMann Mortgage (Missoula) - https://missoula.mannmortgage.com/\nJulie's Website - https://julielapham.mannmortgage.com/\nWhich Type of Mortgage is Right for You? A Guide for Home Buyers - https://www.realtor.com/advice/finance/which-type-of-mortgage-is-right/\nWhat are Mortgage Points and How Do They Work? - https://www.daveramsey.com/blog/what-are-mortgage-points\n\nVisit our website to contact us and for more information about Closing Day!\nYou can also find us on Instagram @Closing_Day_Podcast and on Facebook at Closing Day Podcast.Special Guest: Julie Lapham.","content_html":"On the fourth episode of Closing Day, we talk about what it looks like to work with your lender as closing day approaches. Kyle interviews Julie Lapham, a loan officer with Mann Mortgage here in Missoula, Montana. With over 20 years of experience as a loan officer, Julie is an advocate for a simple, educational experience throughout the lending process.
\n\nTopics addressed in this episode:
\n\nKyle and Julie dive into these topics and more giving listeners great information and tangible action steps that can be taken to help them reach their own Closing Day on their first home!
\n\n*Resources: *
\nMann Mortgage (Missoula) - https://missoula.mannmortgage.com/
\nJulie's Website - https://julielapham.mannmortgage.com/
\nWhich Type of Mortgage is Right for You? A Guide for Home Buyers - https://www.realtor.com/advice/finance/which-type-of-mortgage-is-right/
\nWhat are Mortgage Points and How Do They Work? - https://www.daveramsey.com/blog/what-are-mortgage-points
Visit our website to contact us and for more information about Closing Day!
\nYou can also find us on Instagram @Closing_Day_Podcast and on Facebook at Closing Day Podcast.
Special Guest: Julie Lapham.
","summary":"Julie Lapham from Mann Mortgage joins our host Kyle Pucko to tell you what you need to know when acquiring a mortgage. They talk loan rate locks, closing costs and taxes, and the safeguards put in place to protect buyers throughout the process. Listen to this episode for the confidence you need in order to approach your mortgage.","date_published":"2019-03-13T10:00:00.000-06:00","attachments":[{"url":"https://aphid.fireside.fm/d/1437767933/f6c745e4-9ad4-41b9-b80e-43887ca3b8d2/4a27bfea-71ca-49a9-903c-5dd5a9c69bba.mp3","mime_type":"audio/mpeg","size_in_bytes":38621423,"duration_in_seconds":2307}]},{"id":"845cd495-558e-46a2-9d5c-3dc9da8714cf","title":"Closing Day Podcast 3: Bills Bills Bills: How Much House Can I Afford","url":"https://closingday.fireside.fm/episode-3-finding-a-lender","content_text":"On episode three of Closing Day, we address the process of choosing a lender and how to approach the financial piece of buying your first home all from a bank lender’s point of view. Kyle interviews Ronnie Stevens, a home lender at First Interstate Bank here in Missoula, Montana who has been working in this role for over 17 years. As a lender, Ronnie considers herself to be an educator, helping home buyers through this process that is often very confusing. She believes you can never be too early or too late when it comes to meeting with a lender so take advantage of the, often free, pre-qualification process\n\nTopics addressed in this episode: \n\n\nWhere to start when approaching the lending process\nThe pre-qualification process\nHow your credit score is determined and how to raise it\nWhat makes a good lender and benefits of a local lender\nHOA dues\nDifferent types of loans\nProperty taxes and other pieces of a mortgage payment\n\n\nRonnie and Kyle address the above topics and more as they dive into the lending process for first time homebuyers. \n\n*Resources: *\nCredit Karma - https://www.creditkarma.com/\nFirst Interstate Bank Home Mortgage Information - https://www.firstinterstatebank.com/personal/borrowing/mortgage/\nForbes Article - A look Behind the Curtain: How to Choose a Mortgage Lender - https://www.forbes.com/sites/moneybuilder/2013/03/26/a-look-behind-the-curtain-how-to-choose-a-mortgage-lender/#61e48e6f2a30\nHome Buying Kit for Dummies by Eric Tyson and Ray Brown - https://www.dummies.com/store/product/Home-Buying-Kit-For-Dummies-6th-Edition.productCd-111919170X.html\nHomeword Financial Education - http://www.homeword.org/our-services/financial-education/\n\nYou can contact Ronnie at veronica.stevens@fib.com or (406)523-4377\nVisit our website to contact us and for more information about Closing Day!\nYou can also find us on Instagram @Closing_Day_Podcast and on Facebook at Closing Day Podcast.Special Guest: Ronnie Stevens.","content_html":"On episode three of Closing Day, we address the process of choosing a lender and how to approach the financial piece of buying your first home all from a bank lender’s point of view. Kyle interviews Ronnie Stevens, a home lender at First Interstate Bank here in Missoula, Montana who has been working in this role for over 17 years. As a lender, Ronnie considers herself to be an educator, helping home buyers through this process that is often very confusing. She believes you can never be too early or too late when it comes to meeting with a lender so take advantage of the, often free, pre-qualification process
\n\nTopics addressed in this episode:
\n\nRonnie and Kyle address the above topics and more as they dive into the lending process for first time homebuyers.
\n\n*Resources: *
\nCredit Karma - https://www.creditkarma.com/
\nFirst Interstate Bank Home Mortgage Information - https://www.firstinterstatebank.com/personal/borrowing/mortgage/
\nForbes Article - A look Behind the Curtain: How to Choose a Mortgage Lender - https://www.forbes.com/sites/moneybuilder/2013/03/26/a-look-behind-the-curtain-how-to-choose-a-mortgage-lender/#61e48e6f2a30
\nHome Buying Kit for Dummies by Eric Tyson and Ray Brown - https://www.dummies.com/store/product/Home-Buying-Kit-For-Dummies-6th-Edition.productCd-111919170X.html
\nHomeword Financial Education - http://www.homeword.org/our-services/financial-education/
You can contact Ronnie at veronica.stevens@fib.com or (406)523-4377
\nVisit our website to contact us and for more information about Closing Day!
\nYou can also find us on Instagram @Closing_Day_Podcast and on Facebook at Closing Day Podcast.
Special Guest: Ronnie Stevens.
","summary":"Ronnie Stevens from First Interstate Bank joins our host Kyle Pucko to share expert tips and tricks that will help you start the process of acquiring a mortgage. They talk pre-qualification, credit scores, and what makes a good lender. Listen to this episode and take the first step towards a down payment. ","date_published":"2019-03-12T12:00:00.000-06:00","attachments":[{"url":"https://aphid.fireside.fm/d/1437767933/f6c745e4-9ad4-41b9-b80e-43887ca3b8d2/845cd495-558e-46a2-9d5c-3dc9da8714cf.mp3","mime_type":"audio/mpeg","size_in_bytes":48677556,"duration_in_seconds":2554}]},{"id":"9f7dcc2c-46f9-4eda-83be-8d7c8bf10318","title":"Closing Day Podcast 2: 20% Say What?!","url":"https://closingday.fireside.fm/episode-2-budgeting","content_text":"On the second episode of Closing Day, we tackle the topic of budgeting! Kyle interviews Katie Sadowski who teaches the Financial Fitness course at Homeword here in Missoula, Montana. Katie has a background in accounting and outdoor education, helping her become an excelent financial \"quarterback\" for the people who take her course. \n\nTopics addressed in this episode: \n\n\nPreventing debt vs. recovering from debt\nBudgeting on dreams not goals\nSurprising facts about credit card debt\nRisk assessment\nRaising your checking floor\nBudgeting wants vs. needs\nFinding your own “financial quarterback”\n\n\nKatie brings a ton of energy to the podcast as she dives into these topics and more, helping you get closer to closing day! \n\n*Resources: *\nHomeword - http://www.homeword.org/\nBankRate Mortgage Calculator - https://www.bankrate.com/calculators/mortgages/mortgage-calculator.aspx\nSmart about Money - https://www.smartaboutmoney.org/\nDave Ramsey's EveryDollar - https://www.everydollar.com/\nMoney Rules by Jean Chatzky - http://www.jeanchatzky.com/books/\nSwitch by Dan and Chip Heath - https://heathbrothers.com/books/switch/\nMONEY Master the Game by Tony Robbins - https://www.tonyrobbins.com/money-master-game/\nThe Little Book of Common Sense Investing: The Only Way to Guarantee Your Fair Share of Stock Market Returns by John C. Bogle - https://www.amazon.com/Little-Book-Common-Sense-Investing/dp/1119404509/ref=sr_1_1?keywords=little+book+for+common+sense+investing&qid=1552334574&s=books&sr=1-1\nSmart Women Finish Rich by David Bach - https://davidbach.com/books/\n\nVisit our website for more information about Closing Day!\nYou can also find us on Instagram @Closing_Day_Podcast and on Facebook at Closing Day Podcast.Special Guest: Katie Sadowski.","content_html":"On the second episode of Closing Day, we tackle the topic of budgeting! Kyle interviews Katie Sadowski who teaches the Financial Fitness course at Homeword here in Missoula, Montana. Katie has a background in accounting and outdoor education, helping her become an excelent financial "quarterback" for the people who take her course.
\n\nTopics addressed in this episode:
\n\nKatie brings a ton of energy to the podcast as she dives into these topics and more, helping you get closer to closing day!
\n\n*Resources: *
\nHomeword - http://www.homeword.org/
\nBankRate Mortgage Calculator - https://www.bankrate.com/calculators/mortgages/mortgage-calculator.aspx
\nSmart about Money - https://www.smartaboutmoney.org/
\nDave Ramsey's EveryDollar - https://www.everydollar.com/
\nMoney Rules by Jean Chatzky - http://www.jeanchatzky.com/books/
\nSwitch by Dan and Chip Heath - https://heathbrothers.com/books/switch/
\nMONEY Master the Game by Tony Robbins - https://www.tonyrobbins.com/money-master-game/
\nThe Little Book of Common Sense Investing: The Only Way to Guarantee Your Fair Share of Stock Market Returns by John C. Bogle - https://www.amazon.com/Little-Book-Common-Sense-Investing/dp/1119404509/ref=sr_1_1?keywords=little+book+for+common+sense+investing&qid=1552334574&s=books&sr=1-1
\nSmart Women Finish Rich by David Bach - https://davidbach.com/books/
Visit our website for more information about Closing Day!
\nYou can also find us on Instagram @Closing_Day_Podcast and on Facebook at Closing Day Podcast.
Special Guest: Katie Sadowski.
","summary":"Katie Sadowski from Homeword joins our host Kyle Pucko to share expert tips and tricks that will help you start budgeting for your down payment. They talk wants vs. needs, helpful resources, and how to make budgeting a part of your financial playbook. Listen to this episode and take the first step towards a down payment. ","date_published":"2019-03-11T13:00:00.000-06:00","attachments":[{"url":"https://aphid.fireside.fm/d/1437767933/f6c745e4-9ad4-41b9-b80e-43887ca3b8d2/9f7dcc2c-46f9-4eda-83be-8d7c8bf10318.mp3","mime_type":"audio/mpeg","size_in_bytes":52708254,"duration_in_seconds":2933}]},{"id":"18a2698f-c6d0-4014-8a29-44e16b687903","title":"Closing Day Podcast 1: Should I Just Rent for the Rest of My Life?","url":"https://closingday.fireside.fm/episode-1-rent-or-buy","content_text":"On the first episode of Closing Day, we tackle the question, “how do I know if I should rent or buy?” Kyle interviews Julie Pavlish, a homebuyer educator from Homeword here in Missoula, Montana where she teaches a HUD certified class for first time homebuyers. She has a background teaching financial literacy to everyone from small children to people making the largest purchase of their life- a home! \n\nTopics addressed in this episode: \n\n\nThe difference between renting and buying\nWho should consider buying\nWhat you can do to take the next step\nWhat it means to build equity\nHow to start saving for a home\nFront-end vs. back-end ratios\nWhy a 20% downpayment is a myth\nHomeword and other HUD certified classes \n\n\nKyle and Julie dive into these topics and more giving listeners great information and tangible action steps that can be taken to help them reach their own Closing Day on their first home! \n\n*Resources: *\nHomeword: http://www.homeword.org\nBankRate Mortgage Calculator: https://www.bankrate.com/calculators/mortgages/mortgage-calculator.aspx\nThree Factors to Consider: https://smartasset.com/mortgage/buying-vs-renting-three-factors\nBroke Millennial: Stop Scraping by and Get Your Financial Life Together by Erin Lowry : https://brokemillennial.com/\n\nVisit our website to contact us and for more information about Closing Day!\nYou can also find us on Instagram @Closing_Day_Podcast and on Facebook at Closing Day Podcast.Special Guest: Julie Pavlish.","content_html":"On the first episode of Closing Day, we tackle the question, “how do I know if I should rent or buy?” Kyle interviews Julie Pavlish, a homebuyer educator from Homeword here in Missoula, Montana where she teaches a HUD certified class for first time homebuyers. She has a background teaching financial literacy to everyone from small children to people making the largest purchase of their life- a home!
\n\nTopics addressed in this episode:
\n\nKyle and Julie dive into these topics and more giving listeners great information and tangible action steps that can be taken to help them reach their own Closing Day on their first home!
\n\n*Resources: *
\nHomeword: http://www.homeword.org
\nBankRate Mortgage Calculator: https://www.bankrate.com/calculators/mortgages/mortgage-calculator.aspx
\nThree Factors to Consider: https://smartasset.com/mortgage/buying-vs-renting-three-factors
\nBroke Millennial: Stop Scraping by and Get Your Financial Life Together by Erin Lowry : https://brokemillennial.com/
Visit our website to contact us and for more information about Closing Day!
\nYou can also find us on Instagram @Closing_Day_Podcast and on Facebook at Closing Day Podcast.
Special Guest: Julie Pavlish.
","summary":"Julie Pavlish from Homeword joins our host Kyle Pucko to tackle the big topic of renting versus buying. They talk pros and cons, building equity, and why saving 20% for a down payment is a myth. Should you just rent for the rest of your life? Find out here! ","date_published":"2019-03-11T12:00:00.000-06:00","attachments":[{"url":"https://aphid.fireside.fm/d/1437767933/f6c745e4-9ad4-41b9-b80e-43887ca3b8d2/18a2698f-c6d0-4014-8a29-44e16b687903.mp3","mime_type":"audio/mpeg","size_in_bytes":40087806,"duration_in_seconds":2307}]}]}