In this episode, comedian and tea enthusiast Jesse Appell of Jesse's Teahouse takes us on a journey from studying Chinese comedy to building an online tea business. He shares how navigating different cultures shaped his perspective on laughter, authenticity, and community. From mastering traditional Chinese cross-talk comedy to reinventing himself after a life-changing move, Jesse and host Brian Lowery discuss adaptation and the unexpected paths that bring meaning to our lives. For more on Jesse, visit jessesteahouse.com and for more on Brian and the podcast go to brianloweryphd.com.…
Home equity has proven to be one of the strongest ways for families to build and pass on intergenerational wealth and MKG Enterprises Corp Mortgage Brokerage NLMS 1370394 is committed to guiding clients through the mortgage process while promoting equal and fair access to homeownership.
Home equity has proven to be one of the strongest ways for families to build and pass on intergenerational wealth and MKG Enterprises Corp Mortgage Brokerage NLMS 1370394 is committed to guiding clients through the mortgage process while promoting equal and fair access to homeownership.
Why Homeownership Matters for Generational Wealth Owning a home is a key step toward building Generational Wealth. Real estate provides several long-term benefits: • Physiological Needs: Homeownership fulfills basic needs for shelter and stability. • Safety and Security: A home offers job security, personal safety, and financial stability. • Love and Belonging: It fosters family relationships, creates a sense of belonging, and provides a secure environment for future generations. • Self-Actualization: Achieving homeownership represents living the American dream, as it empowers individuals to take control of their financial future and build equity. Homeownership directly ties into Maslow’s Hierarchy of Needs, providing both basic and higher-level psychological fulfillment, from safety to self-actualization. Helping Disadvantaged Communities: A Black Mortgage Professional’s Role When a Black mortgage professional is perceived to be “pro-Black” for helping disadvantaged homebuyers, it’s essential to understand the difference between promoting equity and exclusion. By assisting historically marginalized communities, these professionals work to close the wealth gap created by systemic practices like redlining, focusing on ensuring everyone has an equal opportunity to own a home. 1. Addressing Historical Discrimination: Black mortgage professionals help correct the historical injustices of redlining by supporting disadvantaged buyers who have been systematically denied homeownership. 2. Promoting Equity, Not Exclusion: Focusing on helping disadvantaged communities is about leveling the playing field, not excluding others. Equity is about ensuring all individuals receive the support they need based on their circumstances. 3. Empowering the Disadvantaged: Programs and services aimed at helping Black homebuyers empower families to achieve financial stability and homeownership, helping to reverse the effects of redlining. 4. Correcting the Effects of Redlining: The legacy of redlining continues to affect Black communities today, and Black mortgage professionals play a critical role in providing access to homeownership opportunities and promoting economic mobility. Tune into the Dough Bess Podcast Show Want to learn more about building generational wealth through real estate? Tune into the Dough Bess Podcast Show on Friday, September 20, 2024, at 7:45 PM, where special guest Mar shawn Govan from MKG Enterprises Corp will discuss how first-time homebuyers in Fresno, California, can start their journey toward homeownership and financial success. Conclusion The Fresno DMA real estate market, shaped by the history of redlining and evolving federal policies, presents both challenges and opportunities for homebuyers. By promoting generational wealth through real estate and addressing systemic inequalities, mortgage professionals like Marshawn Govan are helping disadvantaged communities achieve financial stability and homeownership. MKG Enterprises Corp is dedicated to monitoring market trends and offering the best rates to support your homeownership journey. Visit www.mkgenterprisescorp.com to check your rates and start building a secure future for you and your family. Apply today https://www.mkgenterprisescorp.com/…
"Maximize Your Income as a Real Estate Referral Agent: Join Our Realtor Agent Referral Program Today!" Are you a licensed real estate professional seeking to enhance your earnings? Our exclusive Real Estate Referral Agent Program offers an excellent opportunity to earn additional income through real estate referrals that successfully close escrow. **Maximum Referral Reward**: Benefit from a maximum agent referral of up to $10,000 per transaction, offering significant earnings for your referrals. https://bit.ly/3SJtX81…
One closing! Which means one interest rate (with the option to modify down if the market improves), one down payment, one full credit report to order and one approval. Eligible on 15-and 30-year fixed conventional and high balance loans and 7- and 10-year ARMs Available on primary, second and investment property purchases and rate/term refinances 700+ FICO, up to 95% LTV 11-month maximum build period with 1-month modification period Loan amounts up to the conforming loan limits $726,200 for regular one-unit loans (increased from $647,200 in 2022) $1,089,300 for one-unit high-balance loans (increased from $970,800 in 2022) City/ County Zoning/ Permitted as a single family residence Allowance for Duplexes 1-4 units Detached condos Prohibited one-time construction loans property types Owner-Builder ADUs Manufactured homes Unique property types Brandominium homes Shipping containers homes Start your one-time close new construction loan application process by creating an account at https://bit.ly/3PyuXss…
Standalone HELOCs are available on primary and second home loans as 20-year loans, in amounts up to $350,000. MKG Enterprises Corp Third-Party Originator is please to offers Home Equity Lines of Credit up to 85% LTV with 640 credit score minimum loan amount $75,000 can be a standalone or Piggyback HELOC Standalone HELOCs are a popular option for homeowners looking to access cash to consolidate and pay down debt, allocate money to home improvements, or cover life events. A minimum 640 FICO score is required, as is a $25,000 minimum credit line, the initial draw must be 75% of the credit line. For line amounts up to $250,000, only an approved automated valuation model (AVM) is required. For amounts over $250,000, a full appraisal is required. Piggyback HELOCs allow qualified conventional borrowers to secure a new mortgage on the home while opening a home equity line simultaneously. This is an option for borrowers who want to split up a first and second mortgage to avoid mortgage insurance, or to keep their first in a conforming loan. Piggyback HELOCs are available on primary and second home purchases, rate/term and cash-out refinances on conventional loans. Loan amounts can be up to $350,000, and a minimum 680 FICO score is required. The minimum line amount is $10,000 and the initial draw must be 75% of the line amount. For line amounts up to $250,000, an appraisal waiver is accepted with an approved AVM. Both the Piggyback and Standalone HELOCs are not applicable in Texas. Apply for a HELOC today Easy and Secure On-Line Loan Application https://bit.ly/3NP4bwC…
MKG Enterprise Corp is proud to announce the availability of Round 2 Funding for the Dream For All Shared Appreciation Loan program, providing up to 20% down payment assistance (DPA) specifically for black families and individuals aiming to achieve homeownership in California. The Dream For All Shared Appreciation Loan program is designed to empower first-time homebuyers by offering up to 20% for down payment or closing costs, with a maximum limit of $150,000. This invaluable assistance can be utilized in conjunction with the Dream For All Conventional first mortgage, facilitating the realization of homeownership dreams. For more information about the Dream For All Shared Appreciation Loan program and to ascertain eligibility criteria, please visit MKG Enterprise Corp's website at Learn more online www.mkgenterprisescorp.com/blog/fair-lending-with-artificial-intelligence/…
Fast Financing For a Fast-Paced Market MKG Enterprises Corp bridge loans can provide the leverage on both your purchase and repairs that you need to grow your real estate portfolio. Benefits include: Up to 90% of your Purchase and Repairs*. Receive Financing in as little as a week Build a trusted partnership with one mortgage broker for all your properties Strategic planning to help scale your business Advantages of our Fix and Flip Loans No hurdles – flexible loan options designed to meet your strategic needs Fix to Rent (Buy-Rent-Rehab-Repair) friendly - easy options to convert to Rental loans Up to 24 months interest only terms No pre-payment penalty Portfolio Rental Loans For real estate investors interested in financing rental portfolio deals of 5 properties or more, consider our portfolio rental loans. Investors have the option of either recourse or non-recourse portfolio loans when they apply. Experience the benefits of combining multiple rental deals into one loan for either new purchases, rate and term refinances, or cash-out refinances. For investors with portfolios looking for the longest term possible with more prepayment flexibility. 30-Year Fixed Rate Term and 5/1 30-Year Amortizations Max LTV: Up to 75% of the stabilized value Minimum $500K to Maximum $2M For investors with larger portfolios looking for the best rate possible and non-recourse options. 5 and 10-Year Fixed Rate 30-Year Amortizations or Interest Only Max LTV: Up to 75% Purchase/Refinance Minimum $1M to Maximum $50M Additional Terms for All Portfolio Rental Loans Allowable Transactions: Purchase, Rate/Term Refinance, Cash-Out Refinance Eligible Properties: Single Family Residence, 2-4 Unit Properties, PUDs, Condos (with restrictions) and Townhomes Eligible Borrowers: LLC and Corporations. Sponsor: US Citizens and Permanent Resident Alien, Foreign Nationals w/ restrictions. Apply online https://www.mkgenterprisescorp.com/fix-and-flip-bridge-loans/…
Make the right choice for your future Are you torn between buying or renting a home? The decision is never easy, but we're here to help you make an informed choice. Introducing Buy vs Rent Comparison - your ultimate guide to making the right decision for your future. With Buy vs Rent Comparison, you'll get access to a free market report that goes beyond just comparing monthly payments. Our mortgage advisors will provide you with valuable analytics and insights that will help you understand the long-term benefits of buying a home. Through our market report, you'll not only get an estimate of your potential monthly payments for both renting and buying, but also gain valuable knowledge about the future value of your dream home. Plus, we'll highlight the possible tax savings that come with homeownership. Don't let uncertainty hold you back from achieving your dreams. https://youtu.be/3rhnV8xnvBo Buying vs Rent Presentation: http://mbshighway.com/view/1KJu-br Contact a mortgage advisor today: https://www.mkgenterprisescorp.com/contact-us/ now and choose your starting point towards a brighter future!…
Take control of your finances with Debt Consolidation Are you tired of juggling multiple debts and high-interest rates? It's time to take charge and start fresh! Introducing Debt Consolidation - the solution to your financial worries. With Debt Consolidation, you can refinance or cash-out refinance your mortgage at a great rate. Start the new year with a clear path to financial freedom by consolidating your debt and paying off your mortgage faster. Our team of experts are here to guide you through the process. Whether you have a minimum FICO score of 620 for Conventional loans or 500 for FHA loans, we have options that suit your needs. Imagine the peace of mind that comes from rolling all your credit card and car loan debts into one manageable monthly payment. Say goodbye to high-interest rates and hello to savings! Contact our mortgage advisors today to explore the best loan options for you. Don't let debt hold you back any longer. Take advantage of our Debt Consolidation presentation to gain insights into how this life-changing solution can transform your financial future. Visit http://mbshighway.com/view/1KMH-dc-1 now! Contact a mortgage advisor now to explore your loan options (559) 337-5990 Debt Consolidation Presentation http://mbshighway.com/view/1KMH-dc-1 Contact us https://www.mkgenterprisescorp.com/home-refinance/…
Unleash Your Real Estate Potential with DSCR Loans for LLCs and Entities Real estate investment is a powerful wealth-building strategy, and for business owners, it just got even more accessible. MKG Enterprises Corp proudly presents DSCR Loans, short for Debt Service Coverage Ratio Loans, designed to transform your real estate ambitions. Unlike conventional mortgages that hinge on personal income, DSCR Loans revolutionize the game by evaluating the cash flow generated from investment properties to secure your mortgage. Apply online https://mkgenterprisescorp.com/dscr-loans- / **The Advantages of DSCR Loans:** 1. **No Income Verification:** One of the most remarkable benefits of DSCR Loans is the freedom from the traditional hassle of proving your income or sharing employment details. This is a game-changer for investors with variable income sources. 2. **Gift Funds Welcome:** We understand the need for flexibility in financing your real estate ventures, and we go the extra mile by embracing gift funds. That's the kind of support you can expect from us. 3. **Customized Down Payment Options:** Tailor your investment strategy to your specific needs with a choice of minimum down payments set at 20%, 25%, or 30%. Your real estate goals, your way.…
The Counterintuitive Wisdom of Buying a House When Interest Rates Are High How Rates Impact the Housing Market In general, when interest rates are higher or increasing, the housing market slows down. When interest rates are going up, the cost of owning a home becomes more expensive due to the higher interest rate, which reduces demand. This reduction in demand then results in a drop in home prices. When the Fed increases rates to slow down the economy, particularly in times of inflation, the above goal is what it's looking for; a reduction in consumer spending that results in a drop in prices. Conversely, when interest rates drop, the cost of buying a house becomes cheaper, which increases the demand for housing. Lower interest rates go hand in hand with a bustling housing market. This increase in demand then slowly increases home prices. Why Buying is Still Better Than Renting? As a renter, you don't build equity over the long term and if you leave, you don't get to take any profits with you. Owning a home can be empowering and emotionally rewarding. The money you spend on your mortgage every month and improving your home yields a long-term investment benefit for you instead of a landlord. Great News for First-Time Homebuyers! In the world of real estate, conventional wisdom has long held that the best time to buy a house is when interest rates are low. It's an understandable assumption, given the seemingly logical relationship between interest rates and housing prices. When interest rates rise, it becomes more expensive to borrow money for a mortgage, and this, in turn, should reduce the demand for housing and cause home prices to fall. Conversely, when interest rates drop, the cost of buying a house becomes cheaper, which should stimulate demand and drive home prices up. And here's some great news for first-time homebuyers: MKG Enterprises Corp is excited to introduce our new down payment assistance programs that come with NO income limits! Eligibility is open to U.S. citizens, permanent resident aliens, non-permanent resident aliens, and even DACA recipients. Plus, we've got you covered with various eligible property types: 1-unit residences, 2-4 unit properties, FHA approved Condos, and both single-wide and double-wide manufactured homes. With a minimum credit score requirement of just 580, you're closer to homeownership than you think. And guess what? This program isn't limited to first-time homebuyers! You can apply even if you own other properties. To apply for these amazing programs, use our easy and secure online loan application https://mkgenterprisescorp.com Please note that specific loan program availability and requirements may vary, so it's best to get in touch with your mortgage advisor for more information. Don't miss out on this opportunity to own your dream home, even when interest rates are high!…
Unlock new possibilities with Fannie Mae's Multifamily Home Financing Update In a game-changing policy shift, Fannie Mae is ushering in a new era of multifamily homeownership. Starting November 18, 2023, homeownership dreams become more achievable with a reduced 5% down payment requirement, coupled with a minimum FICO score of 580. MKG Enterprises Corp is also offering 5% percent down payment assistance, further expanding your financing choices for multifamily homes. This policy overhaul extends to standard purchases, no-cash-out refinances, HomeReady, and HomeStyle Renovation loans for owner-occupied transactions. It opens doors for first-time buyers and those seeking respite from burdensome mortgage payments. The financial horizon widens, providing you with flexible options. Notably, the maximum loan amount for 2-4 unit properties is now set at $1,396,800, giving you the flexibility to invest in larger and more valuable properties. Additionally, the removal of the FHA self-sufficiency test for 3-4 unit properties simplifies the pre-approval process, streamlining your path to multifamily homeownership. Don't miss the opportunity to explore your multifamily homeownership options. With these changes taking effect after November 18, 2023, prospective buyers have time to prepare and assemble the necessary documents for a seamless application process. Apply Now https://mkgenterprises.my1003app.com/1370676/register Contact Us (559) 337-5990…
MKG Enterprises Corp. Third-Party Originators NLMS 1370494 understands that great people are the key to great companies. We are looking for intelligent, hard-working, passionate individuals that want to be part of something very different. We need people that dream big and possess a work ethic that will inspire those around them. We are seeking forward thinking people, who produce results rather than wait for them. You will not be micromanaged; but you will need to meet specific expectations and it will be entirely up to you to make sure that this happens. You will be backed by one of the strongest, most supportive and technical investment transactions leadership teams in the industry and we are all committed to the success of the wholesale broker enterprise. We are currently looking for energetic, hardworking and knowledgeable team members for the position of Mortgage Loan Officer at MKG Enterprises Corp** Apply online https://www.mkgenterprisescorp.com/employment/…
FHA, VA Loans Starting at 580 FICO City of Fresno DPA Available. FHA loan limits apply $472,030. 33/43 percent of "MAP" Mortgage Assistance Program Income limits 1 Person - $46,200 Maximum Purchase Limit $200,000 2 People - $52,800 Maximum Purchase Limit $225,000 3 People- $59,400 Maximum Purchase Limit $250,000 4 People - $65,950 Maximum Purchase Limit $280,000 5 People - $71,250 Maximum Purchase Limit $300,000 6 People - $76,550 Maximum Purchase Limit $325,000 7 People - $81,800 Maximum Purchase Limit $346,000 8 People - $87,100 Maximum Purchase Limit $370,000 Get Pre-Qualified https://bit.ly/3PyuXss Determines borrowers Capacity ability to make interest and principal repayments on a loan, using his or her disposable income or cash flow. Specific loan program availability and requirements may vary. Please get in touch with the mortgage loan officer for more information. All products are subject to credit and property approval. Program terms and conditions are subject to change without prior notice. Not all products are available in all states or for all amounts. Other restrictions and limitations apply. The following content is for informational purposes only and not meant for legal, tax or professional accounting advice. Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act, 1370394 Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act, 1370676 or Licensed by the Department of Business Oversight under the California Finance Lenders Law, 60DBO-45224…
MKG Enterprises Corp. Wholesale Channel is excited to announce its partnership with Sun West Mortgage to offer first-time homebuyers a unique opportunity called TRU Approval. TRU Approval stands for Thoroughly Reviewed and Underwritten Approval, providing buyers with a level of confidence and strength comparable to cash offers. With TRU Approval, homebuyers can place offers on properties without the need for a loan contingency. This means that their offer carries the same weight and assurance as a cash offer, making them stand out in competitive real estate markets. By eliminating the loan contingency, buyers can increase their chances of securing the property they desire. What sets TRU Approval apart is the thorough review and underwriting process conducted by Sun West Mortgage. The mortgage application is meticulously assessed, including a comprehensive review of the borrower's financial documents, credit history, and income verification. This thorough evaluation ensures that the buyer is well-qualified and capable of fulfilling their financial obligations. Additionally, TRU Approval comes with a Sun West Conditional Guarantee, providing an added layer of assurance. This guarantee demonstrates the confidence that Sun West Mortgage has in the loan approval process and further strengthens the buyer's position. By offering TRU Approval, MKG Enterprises Corp. Wholesale Channel and Sun West Mortgage aim to empower first-time homebuyers and provide them with a competitive edge in the real estate market. The ability to submit an offer without a loan contingency can expedite the buying process and increase the likelihood of a successful transaction. If you are a first-time homebuyer seeking a home loan, consider exploring the TRU Approval option through the MKG Enterprises Corp. Wholesale channel. With this unique opportunity, you can enhance your purchasing power and confidently pursue homeownership with the strength of a cash offer and the support of a Desktop Underwriter (DU) approval conditional guarantee. Apply for a home loan with down payment assistance. FHA limits apply $472,030 https://bit.ly/3BHBaxc…
Welcome to Player FM!
Player FM is scanning the web for high-quality podcasts for you to enjoy right now. It's the best podcast app and works on Android, iPhone, and the web. Signup to sync subscriptions across devices.