#56 Give Me Some Credit

Path to Progress with Paul Heintzman and John Ackerman

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6y ago 36:19

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JON SANDERS, MORTGAGE LOAN OFFICER AT STOCK YARDS BANK & TRUST, SITS DOWN WITH US TO EXPLAIN MORTGAGES. JON BREAKS DOWN THE TERMINOLOGY AND GIVES US TIPS ON HOW TO GET A MORTGAGE FOR YOUR DREAM HOME.

Some questions answered in this episode?

How did Jon Sanders first get into the mortgage business?
How are mortgage rates determined?
How often do rates change and what are the current rates?
What are the most important things to think about when you're looking to buy a house?
How do you know if you're ready to purchase a house?
What advice would Jon give to somebody purchasing their first house?
What is the debt ratio and why is it important?
- What is a good debt ratio?
How much should you save for your down payment?
What is Fannie Mae?
What is mortgage insurance and how big does your down payment need to be to avoid it?
What information do you need to provide to get a mortgage?
- How does it change if you're an entrepreneur?
What is a good credit score and when should you be worried about it?
What is Jon's opinion on 15-year vs. 30-year mortgages and people paying off their mortgages early?
What is the biggest issue Jon sees with millennials purchasing houses?
When is somebody ready to reach out to Jon about purchasing a house?
What is refinancing and when should somebody refinance?
What is a home equity line of credit?
How does an escrow account work?
What are unexpected fees when purchasing a house?
Who is the perfect person to buy a house?
Should somebody pay off their mortgage early?

LAST CALL QUESTIONS AND ANSWERS:

What's the best career advice you've received?
- Be yourself.
What advice would you give to your 22 year old self?
- Be yourself.
What's the best purchase you've made in the last six months?
- Begonias (flowers).
What is your definition of success?
- Doing something you genuinely care about.
What book/documentary would you recommend?
- Wendell Berry poetry
What's your favorite thing to drink?
- LaCroix with Vodka
- West Sixth IPA

SHOUTOUTS:

Be sure to learn more about Jon and say hey by connecting with him on Linkedin or Twitter, or email him at jon.sanders@syb.com.

Have any topics you want to be covered or amazing people you’d like us to interview? Let us know! You can email us at info@drunkenmoney.com. You can also find us on Facebook, Instagram, Twitter, and Linkedin. Please be sure to subscribe to our weekly mailing list at drunkenmoney.com/subscribe.

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#Business #Drunken Money #Fitness #John Ackerman #Paul Heintzman